In the Banking sector is much dynamic. Many services that were only yesterday free, today. Of course nobody’s happy about it, but you have to have a certain understanding: In times of negative interest rates, it has become for the banks, much more difficult to earn money. So you do not need to call it almost a good news is that the negative interest rates that have been at the private customers.
The flip side of the coin, however, is that the so-called “fees” of all kinds are shooting up like mushrooms out of the ground or already existing be increased. If these fees represent a reasonable fee for a service provided, then you still no cheers, but can be quite justified.
Unfortunately, there are also fees, in the case where it is difficult to identify plausible reasons for this: Why should I have to pay for example, if I close my account? If I cancel my rental, do I have to pay no cancellation fee. Exactly the Same with the mortgage, If the agreed contract period ends, the request of many of the banks, three or sometimes even four-digit amounts – the so-called mortgage closure fee. The contract was fulfilled – what justifies this charge?
Really expensive it can be, for example, to curb your securities. In times in which Transfers are performed fully electronically, and not even a stamp is used, I can understand the voices, the surmise, that these charges should serve to heights well first of all, prevention.
Not only the fees, but also the methods by which they are introduced are sometimes questionable. So just recently, a major Bank has notified its customers that a free-delivered tax statement for the securities account is not now (costs just). Without a counter-report with a short deadline, the customer will receive the tax statement together with an invoice. Not explicitly mentioned is that this “tax statement” is not required for the tax return – a rogue who thinks Evil of it.
Obviously, We are in a difficult Position. Anyone who has been reading anything with small print, or who can defend themselves, if General terms and conditions-Changes to flutter into the house? The state Secretariat for economic Affairs (Seco) has taken up the matter some time ago.
A good address for the individual problems of Bank customers, the Swiss banking Ombudsman is. He is a neutral and free information and mediation, which deals with specific complaints which are raised against banks based in Switzerland. On its Website, among other things, a well-documented case collection is released.
I stay tuned and will inform about progress in this area.