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Banking services cheaper from January 1

Believe it or not, compliance with EU regulations brings some benefits to bank clients. New payment transaction rules in domestic banks will come into effect on January 1, 2011, and involve the abolition and reduction of certain fees.

Although it is already mentioned in professional circles that banks will face a decline in fee income, most bankers claim they still do not know what the consequences of compliance will be. PBZ states that it cannot precisely determine which service prices will change, decrease, or be abolished at this moment. – It will certainly take into account the type of client, consumer or non-consumer, as the amount and method of calculating and charging fees can vary significantly depending on that – they say there. In Zaba, they are more specific: – Citizens will have the right to payment services under the same conditions as citizens of EU countries. It is important that the Payment Transactions Act further protects consumer rights and contributes to the transparency of information regarding conditions, which also includes business prices – they state from Zaba. They are the most specific in Hypo Bank. The law, they claim, protects the service user.

The entire law contains a provision that the bank may not charge the user of payment services fees for information it is obliged to provide. – The most important thing is that the payment service provider can specifically agree a whole set of provisions with its non-consumer client (legal entity), including the charging of information and the execution of payment services. A number of fees for providing information to individuals will be abolished – they explain. Only with the accession to the EU and EMU will there be a greater price change in fees, especially in cross-border transactions. It is stipulated that a payment transaction in euros up to the amount of 50 thousand euros may not be more expensive than any national transaction, which will bring clients a significant reduction in fees for payments abroad. (G. G)