For a long time Customers of banks are surprised by successive increases in the use of the basic services offered by banks. Crowning example of a financial institution that does not patyczkuje with their customers, it is Alior Bank . I recently took a smaller competitor – Merits, whose clients have just been informed that so far free debit card will cost 6 zł per month. Even worse are the owners of small businesses, which operate Merits tried to specialize. The accounts of the self-employed will cost 19 zł per month, and the fee can not be avoided in any way.
Commissions also increase other banks. For example, the mBank raised the fee for debetówkę issued to eKonto from 4 to 6 zł. Commissions can be avoided by performing non-cash transactions card to the correct amount. But there are also changes, because that amount has grown three times – from 100 to 300 zł. In the last weeks of increases also reported among Deutsche Bank, Orange Finance, Plus Bank and T-Mobile Banking Services.
According to analysts at the moment there is no chance that this trend would change significantly. – Earnings worsen, so the trend of raising the commission does not disappear, but rather on the rise – says Kamil Stolarski, a financial analyst with Grupo Novo Banco BESI. Institutions do not help the low interest rates at which harder to improve net interest income, and a decrease in the rate of interchange, which is the fee charged by shopkeepers disperse from the acceptance of payment cards.
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This does not mean, however, that customers are condemned to passive watching the decisions of bankers and humble donation to them their money . On the market you can still find institutions that offer free or very cheap basic services. The latest example is Raiffeisen Polbank , which introduced a free Dream of a debit card account for 3 zł per month in addition to the guaranteed lifetime constancy of conditions. – We decided on such an offer, because we want to stand out in the market offer not only innovative, but above all loyalty to clients – says Maciej Bardan, vice president of Raiffeisen Polbank. Previously introduced a similar offer Postal Bank. Free accounts also offer eg. Bank or Orange Smart Finance.
According to experts clients should be more attention given to the analysis of the current charges, incurred by the banks. – From my observation is that the majority of the holders of personal accounts and credit cards do not even know how much to pay for it. Information about changes in the tariff of fees and charges banks send a file fine print written documents that nobody wants to read. Customers throw them in the trash, and then lifts do not work exactly where commissions vanish among other transactions – explains Paul Majtkowski, principal analyst Aviva Finance Center.
The Polish Bank Association seem to suggest that customers actually rarely change banks. They do this even less than before. Last year, through Ogniva, or to change the system for banks, made it 17.5 thousand. It’s not much, considering that personal accounts There are more than 38 million. In addition, last year’s statistics worsened compared to 2013. When using bank Ogniva changed over 18 thousand. people.
What’s interesting statistics Polish National Bank for the first time since 2009. The number of accounts managed by the bank settlement decreased, and it’s about 200 thousand. According to analysts, the decline for two reasons lie: closing the accounts of customers who have multiple accounts so far, and some of them did not use. When they are free – it did not bother anyone. Now, however, when there were commissions, customers have decided to close it. – The second reason may be inactive cleaning portfolios by the banks themselves seeking cost savings – Kamil Stolarski said.
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