Thursday, August 25, 2005

A Wunch of Bankers

The bank we have been using (until now) has just started charging us to use their services. I hate banks, they act like you need to be beholden to them and that they are doing you this massive favour. Any other business treated its customers that way banks treat theirs and they’d quickly go out of business. If shops made you beg for the privilege of buying something or decided that they were going to charge people a fee for squeezing the tomatoes, no-one would go. There’s a reason why bankers rhymes with wankers.

Anyway, to get back to the point, they (and I think I can reveal the fact that it is BCR, pronounced Bay Chay Ray, and short for Banca Comerciala Romana) have created a raft of fees for various transactions. The most fascinating of these is the commission charted for withdrawing money. Everytime you withdraw money from them, the bank now pockets 0.05% of whatever it is you’re taking out. This really isn’t a vast amount of money, but it’s the principle of the thing. But there is a weird catch. They ask you if you want notes only or would be prepared to take some of the money in coins. If you take some of it in coins it remains at 0.05%. If you insist on only notes, and I swear I am not making this up, they charge 0.08%. It sounds like the kind of policy instituted one night by a couple of high ranking accountants who were high and started trying to outdo themselves. “Hey man, what do you think? We ask customers to pay extra unless they agree to walk away with 1 kilo of coins?” “Oh, like, that is so cool, dude. Let’s put it in the new policies”

We’ve moved to a new bank as of today.


Bobo said...

I doubt there are any banks that do not charge a fee when withdrawing your money. The bank I use (in Romania) - ING, charges me 0.2% (the interest rate for about 10 days)

Raoul Djukanovic said...

In the self-styled home of the free market, rampant competitive pressures appear not to have reined in the banking sector. HSBC charges its U.S. customers $1.50 per ATM withdrawal.

Anonymous said...

^^ nice blog!! ^@^

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