Bank fees: BGH limits additional costs for savings bank customers

Sunday, 17.09.17 , written by Anja Schlicht Many bank customers not only pay an account maintenance fee for their current account, but also have to pay for other services, such as account statements sent by post. Many financial institutions are looking for new ways to charge additional fees. However, some of them go too far. The Federal Court of Justice (BGH) has now flipped numerous clauses of a savings bank. >  BGH tilts clauses at extra charges from Sparkasse

  • Banks and savings banks may charge additional fees for certain services in addition to any account management costs.
  • However, only the actual costs may be passed on to the customers, the BGH now confirms in a recent ruling.
  • Only very few financial institutions offer a free recently showed.

Sparkasse Freiburg / Nördlicher Breisgau recently demanded five euros per letter when informing customers that a bank transfer or direct debit had been rejected. Although it is regulated by law that it may charge additional costs. But from the perspective of the Federal Supreme Court shoots a fee of five euros beyond the target. Accordingly, the Karlsruhe judges tipped these and four other clauses. With all the bank wrote a charge that “is not geared to the actual costs, ” said the BGH.

For example, the Sparkasse may pass on the costs of postage and stationery to the customers . However, this does not apply to the administrative and personnel expenses behind the rejection. “On the contrary, the defendant has taken considerable account of cost items which, according to their own explanations, relate only to the decision not to execute the payment order, but not to informing the customer,” the Federal Court of Justice announces (Ref .: XI ZR 590 / 15).

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Invalid bank charges: Customers are entitled to a refund

A total of eight clauses on additional bank charges were criticized by the BGH with the current ruling. Accordingly, the protection community for bank customers can show that had sued against the Sparkasse. Since these price regulations, according to Stiftung Warentest, are also found in numerous other savings banks, many customers now have the option to reclaim overpaid fees . This is possible up to three years retroactively . Therefore, until the end of 2017 all sums paid as from 1 January 2014 can be recovered. The consumer organization has prepared a sample letter.

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Anja Schlicht

editorial staff

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