consumers are Increasingly buying in the morning, the bread card, lunch food, stock up with the Girocard and the Pizza Takeaway service is also paid so. Know what the least customers: fees are often payable. In the top of € 0.70 per payment process.

A recent study by the consumer portal biallo.de results: Of 820 verified regional banks and savings banks, the half requires just such a charge. In the average of 0.34 Euro. What sounds at first glance, little, can add up over time to significant amounts.

banks and savings banks charge fees and which are not, is in a nationwide current account, comparison of biallo.de listed below www.biallo.de/girokonto/.

Several Hundred Euro a year

This statement. A customer who paid for three times a day – except on Sundays – instead of a bar with the Girocard comes to the end of the year to an average burden of around 220 Euro. He is, however, a customer at the lower Rhine Sparkasse Rhein Lippe in Wesel, Germany with the German maximum amount of € 0.70, are proud 462,00 Euro.

Not all of the customers of the 193 savings banks and 226 of the Volks - and Raiffeisen banks (VR banks), which collect these fees are affected. Have to pay usually only those who have opted for the traditional branch-based accounts-of-month price of just five euros and for a little cheaper online accounts. The Same is true for basic accounts, which are chosen especially from socially vulnerable consumers, and you can't put it on.

EUR 40 million in fees in a savings Bank?

from The consumer portal, confronted money houses argue similar to Stefanie, Carl castle, spokesperson for the Hamburger Sparkasse (Haspa). Only a minority of customers would be affected by these fees, since the majority of for an account would not have chosen with a higher base price, in which there were these fees. This can of course not verify. On the other hand, According to the Haspa 180.000 existence of such accounts. If per day, only two operations would be triggered, together come to the end of the year a total sum of 40 million euros. Not bad – at least for the Haspa.

Niels Nauhauser of the consumer advice centre of Baden-Württemberg, says: "The banks will receive money for each card payment from the consumer, as well as from the dealer, while you earn cash payments to nothing."

reported

is Fatal in practice, costs are rarely: Only a few institutions like the savings banks from Oberhausen and Bochum or the VR-Bank Kreis Steinfurt show these costs as such. Most hide this in your fee information – so, for example, the Munich-based Bank, the Hamburger Sparkasse, stadtsparkasse München or Freiburg Volksbank. Usually the speech is from fees for "paperless transactions". No mention is made, however, that the recording of card payments is meant to be.

The criticism of consumer advocates Nauhauser: "to call Instead of honestly and openly, the fees for card payments specifically, these are hidden in the price list regular posting items."

And what the bankers will say to this accusation? Martin Holzer, spokesman for the Freiburg Volksbank, actually writes that: "The payment card is a basic debit, and is shown as such on the account statement. The fee for a direct debit in Euro, is to be found in the on our Website provided pre-contractual remuneration information is clear and accessible to the public." Card payment equal to the base direct debit: you must first come on it.

Berliner Sparkasse is another way

While Haspa and Sparkasse Munich rather appease, the Berliner Sparkasse is a different way. In your very many customers are likely to have opted for the cheap "Giro Individual". This classic branch account with a single billing costs only one Euro per month. On the Website it communicates transparently at the prices, that card payment can trigger a fee of 0.30 euros. Spokeswoman Katja Holzer assured: "The monthly billing gives our clients a current Overview of your bookings. The account model can be retroactively changed for the current month." Or the customer do what the Sensible thing to do is: you simply pay more in cash.

This article was written by horst biallo

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*The contribution of "Every second Volksbank and savings Bank collects fee for card payments" is published by biallo.de. Contact with the executives here.

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Date Of Update: 27 May 2020, 09:27