New commissions and portability in bank accounts

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Desde dentro de unas semanas, los usuarios bancarios pueden estar de enhorabuena debido a la nueva normativa bancaria que ha aprobado el ejecutivo español. Con el principal target from sight bank accounts. From two points of view, on the one hand, the derivative of your expenses. And on the other hand, the ease of changing your savings account at any time in your life. From both points of view, there is no doubt that it will benefit from the application of the new regulations.

One of the factors for the approval of such measures is the homologated with neighboring countries. And where, until now, Spanish users have clearly seen themselves as disadvantaged in their personal interests, as you will see from now on. On the other hand, you will have the possibility of compiling the best information to get out of your relationships with credit institutions. Something that will come in handy to boost your checking account balance at the end of the year.

From this general perspective, the first novelty that will affect you in terms of savings accounts is that after a few weeks you will have to pay fewer commissions and even all the administration and maintenance expenses of this type of banking products. To the point that it will affect all users, with the only requirement to become Account holder de estas características. No en vano, todo lo que rodea a estas importantes noticias está destinado a este instrumento financiero. No en vano, es el más contratado por cualquier perfil de client. Por encima de otros indudablemente popular entre los mismos.

Commissions: up to 3 euros

It is time for you to know what commissions you will have from now on for hiring basic bank accounts. The new regulation requires that financial organizations They will not be able to charge you more than 3 euros per month. Or what is the same, an annual cap of 36 euros. Even though it is not an excessively demanding amount, it will at least help you contain expenses and have more money in your balance each year. It is something that will benefit you from all points of view, as you will see in these precise moments.

Well, within this general environment presented by basic accounts, the main novelty is that banks will not be able to bend you truly abusive rates, as has been the case up to now with savings account fees. Because in effect, from the moment of its application, they will not be able to charge you any of the amounts that are charged to your basic account. From this point of view, there is no doubt that you will benefit from this measure. Because the scales of these rates will range between zero and three euros.

Claims for improper charges

As a result of the application of this banking measure, banks will no longer be able to exceed the amount of these promissory notes. Because if so, you can claim that amount for improper collection and financial organizations would have to we will get in touch with you as soon as possible las cantidades antes mencionadas. Más allá de otras incidencias que se generarían por esta mala práctica bancaria. No debe extrañarnos que la promoción de una mayor transparencia be uno de los principales objetivos de la implementación de este nuevo reglamento. Por encima de otras consideraciones técnicas derivadas de su implementación.

Despite everything, the date on which this banking measure will come into effect has not yet been defined. As we could expect, it will arrive in early fall, By the end of September or in the first days of October. From this dynamic, you will still have to wait a few weeks so that banks cannot exceed three euros in the payment of commissions on their basic accounts. It is not surprising that it is a plan to match other countries in our closest environment. As an example, in the nations of the euro zone. To this end, it must not be forgotten that it is a recommendation from community organizations and that its purpose is to protect bank users.

Free account portability

Whatever the case, the limitation in the commissions of the savings accounts is the only measure that you will notice in a few weeks. If not, on the contrary, it also has to do with the freedom to switch accounts. Because in reality, it is also considered that you can port your bank account to another of the same characteristics for free, as long as this procedure is not excessively complex. do not exceed 13 days. Through a performance very equivalent to that of mobile phones. In other words, you will have more facilities to change accounts and take advantage of the various offers that banks have been developing.

Whatever the case, there is a substantial difference in this entire procedure and that is the one that refers to the current account number. Because It will not be the same, if not that on the contrary they will be other different digits. This factor may have some other complication for the direct debits of domestic bills that you have at that time. As an example of water, electricity, gas, telephony or any other. Not in vain, you will have no other solution than to notify them of the change in your checking account so that they can correctly formalize the charges on account of these services for the home.

Advantages of this measure

In any house, the improvement to port your checking account to another entity implies a series of benefits that you have to take into account from now on. Some of them are very relevant and can help you manage this financial instrument with greater flexibility from the moment the aforementioned measure comes into force. Among which are the following benefits that we expose below.

• You will have a greater freedom to select the basic account that best suits you at all times. Within an important offer that banks have prepared for you and that are marketed under different modalities and services.
• From the beginning you will eliminate the biggest problems involved keep checking account. So that from those moments this procedure does not seriously affect you or at least the decision you have made regarding this financial instrument can be eternalized.
• You can do this procedure perform as many times as you wantIn other words, in an unlimited way and where your decision to select the one you consider the best checking account to defend your personal interests will prevail.
• Is a strategy muy efectiva que te ayudará accept promotions that banks have been encouraging. With more aggressive models where more services and benefits are included.
• You will not have to maintain any period of permanence. But on the contrary, you can change your bank account at any time and on the date that you consider convenient. Without restrictions of any kind and without canceling the services derived from your hiring.

How does interest affect?

On the other hand, the implementation of this measure has nothing to do with the profitability of your hiring. It will remain the same as until now, without any variation. Because the interest of the current accounts has nothing to do with the commissions and other expenses in its administration or maintenance. They are totally different things and in any case, they must respect the compensation they offer you at the time of the change. Always under very weak commercial margins as a result of the reduction in the price of money that the community organizations have put into practice.

From this perspective, the main effect that you will notice with the application of this new banking measure is that the real profitability generated by this product will be higher. As a result of the elimination of these expenses so little desired on your part and that they can reach up to 100 or 200 euros a year. Now that money will go in its entirety so that you can have it available in this banking product for the administration of your savings. In other words, you will have greater liquidity from that precise moment. It is not much, but it will be useful to defray other expenses at home or basically give yourself the odd personal whim.

Sea cual sea el caso, es muy conveniente que analices de ahora en más cuáles son las condiciones de contratación de tu cuenta personal para establecer si es rentable o no cambiar este instrumento financiero. Debido a que puede ser un trabajo sin costes, pero lleva un tiempo que podrías dedicar a otras tareas o actividades. Debido a que frecuentemente la respuesta a este problema no es cambiar de cuenta, sino básicamente negociarlo con tu banco usual. Siempre basado en sus intereses personales, que es en definitiva de lo que se trata. Sea cual sea el caso, es una buena noticia proteger su posición como Username bancario.