I can't get rid of the commissions

Sarer69

Of course! But you have to choose the bank to which you change carefully, so that they do not charge you obvious or hidden commissions . In this sense, the best thing you can do is go to a bank that has good references, such as ING or one of the neobanks that are so fashionable lately. These types of banks stand out for charging very few or no commissions to their clients.



How do they do it? Well, fundamentally, having very little or no physical structure. They do not have branches like the big banks and therefore do not need to spend money on office rentals or the like. Therefore, in addition, all its communications are online, which lowers Belgium WhatsApp Number List all its costs even more. All this leads to them being able to reduce the commissions they charge to their clients .





That is why these banks normally do not charge commissions of any kind, neither direct and clear nor hidden and veiled. Of course, perhaps they do require something, such as having a minimum amount of money in your account or paying your salary directly. However, since you won't be charged commissions of any kind, it's a good idea to do so. In fact, if you have an account with a traditional bank, it will be very worthwhile for you to change banks (not only for the card ).


And are there commissions that I can claim?
In general, if you have been charged commissions, it is normal for your contract to state that they were going to charge you . Therefore, even if you claim them, it is likely that they will not be returned to you. You can always give it a try, because if you do, sometimes it pays the bank more to return that money than to keep bothering you all the time (they are afraid of heavy customers). But, in general, the normal thing is that they do not return them to you, because you accepted those conditions.


There are some exaggeratedly high commissions that border on usury and, therefore, cannot be applied by law. If any of them apply to you, you can claim. But it is something very rare. It is also possible that they charge you a commission that you were not notified in the contract. In that case, you can also claim. However, again, it is not common. So most commissions are not claimable.


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As you can see, there are certain commissions that cannot be charged to you (and that, if you are charged, you can claim them). Others you won't be able to avoid . And others (the majority) you will not be able to avoid them as long as you continue to be with your current bank, but you will be able to avoid them if you change to another where that commission does not exist. And, really, the latter is the most effective option if you want your credit card to only offer you positive things.