Today’s article seeks to reveal some tips and tricks on how to negotiate with the bank some commissions , especially the management and maintenance of account, you know , the kind of 6 euros for such management , 2 euros the seal of the letter , 4 transfer euros , 30 euros etc card .
Come on, about 200 euros a year so yourself silly .
Types of bank :
36 euros for account maintenance , at least 3 euros transfer 36 euros in total considering an average of 12 annual transfers ( rent, for example) , 2.6 euros fee to withdraw money from an ATM of another, 12 times a year is 31 euros annual fee credit and debit cards , the debit € 12 , 30 the credit , on average. According to a study by Consumer magazine , the average customer is left Spanish bank fees between 80 and 200 per year . Some money is significant . The problem is that the customer of the bank here in Spain is not usually question things . What we charge 500 euros? Well they have to, right? . No, gentlemen . You need to negotiate with the bank !
Tips and tricks for negotiating with the bank service charges :
- Make a list with unfair bank charges you would have your bank eliminated . Go with it (or memorize) to your bank manager. Above all , be clear what you want.
- If you have your salary paid into the bank and / or savings deposits some money interesting , you will have more chances of success in your trading .
- Instead of being begging to commercial account and begging , the best thing to do is simply find one of the many banks that offer ” zero fees ”
- Debit to the competition that exists in this world , is that the new offices , still very few customers are what make best deals.
- According Ausbanc (Association of Bank Users ) offices located in towns and urban centers usually offer a worse service, less personalized, due to its high number of customers , so they do not feel the ” desperation ” to keep their customers. What is commonly said is ” more than enough ” .
- The independent banks online ( internet banking ) are not generally apply any commissions.
- Almost all banks accept card override commissions (due and credit) for maintenance (removal of the annual fee ) . If your bank does not accept , consider hiring a credit card with no annual maintenance fee . There are several on the market.
- Check frequently your online bank account ( or the way that’s most comfortable) and watch the commissions that you apply your bank. Any commission that apply bank must appear in the contract signed at the time of hiring the product / service. If not , he claims. Then the claim made in the bank, if necessary , you can file a complaint to the Bank
- On the banks everything is negotiable.