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Rolf42
4 months ago

192 Real-time transfers for 2.50 euros each?

This is actually comparatively expensive, about 50 cents are common for this. What savings bank is this about? To date, Sparkasse Hannover has been known as the top rider for a real-time transfer with 2.00 euros.

192 Real-time assignments also seem unusually much to me. What does it take?

Rolf42
4 months ago

… and to demand from it several 100 euros for a service offered elsewhere for a fraction of the price or even for free.

For comparison, I have also looked at the conditions of other savings banks from the region:

The Sparkasse Zollernalb writes “There are no additional costs for you when you make a real-time bank transfer.”

https://www.sparkasse-zollernalb.de/en/home/service/echtzeit-ueberweisung.html

The Kreissparkasse Tuttlingen writes “The real-time transfer is already included in the price of your Sparkassen-Girokonto and is not calculated separately from us.”

https://www.ksk-tut.de/en/home/service/echtzeit-ueberweisung.html

The Sparkasse Hegau-Bodensee is up to 30 cents.

https://www.sparkasse-hegau-bodensee.de/en/home/service/echtzeit-ueberweisung.html

There are 50 cents at the Ravensburg County Savings Bank.

https://www.kreissparkasse-ravensburg.de/en/home/service/echtzeit-ueberweisung.html

By contrast, the Hohenzollerische Landesbank Kreissparkasse Sigmaringen is also comparatively expensive at 1.95 euros.

https://www.ksk-sigmaringen.de/en/home/service/echtzeit-ueberweisung.html

Rolf42
4 months ago

Oha…

This savings bank is really very transparent with its terms: The price tag can only be retrieved after registration in online banking, the price/performance directory is apparently not available online at all.

On Product page for “Jugendgiro” a document “Delete information” linked, but there are no specific details in this. Apparently, this is a template for such information, but it has not been completed further.

Under https://www.sparkasse-pm.de/en/home/service/echtzeit-ueberweisung.html is actually called a price of 2.50 euros for a real-time transfer.

For me, this falls in the overall picture into the category “deterrent example”, and I would really think twice if I wanted to become a customer at this savings bank (or stay).

Whether it’s legal, I don’t like to judge, but I think it’s morally very questionable to take advantage of the inexperience of a youthful customer in such a way and to demand from him several 100 euros for a service offered elsewhere for a fraction of the price or even for free.

Maybe you can save something in a conversation with a consultant, but I can’t guess how the odds are.

Rolf42
4 months ago

What savings bank is this about?

I would like to take a look at their price and price/performance list to check whether these prices are contractually permissible for young people in an account. It can also simply be a mistake caused by the changeover.

Ifm001
4 months ago

There is no the Sparkasse. This is a combination of more than 150 independent companies, each of which has their individual tariff offer. In most cases, there are also several tariffs.

It is common to all, however, that when selecting the real-time transfer, reference is made to the cost-flight.

Bananamouse
4 months ago

Yes is perfectly normal. I had

Isuzu189
4 months ago

Yes, it’s normal that real-time transfers cost money.

Whether this is normal, you make 200 real-time transfers, but is another question.

Isuzu189
4 months ago

If you’re “just” 10 months, and you don’t have to pay any money today – at least no 20 pieces per month. Unfortunately, you have to look at the fee regulations here

Superhasenmaus
4 months ago
Reply to  Isuzu189

It’s 10 months. And if you’re on your way to EBay, it can be.

Isuzu189
4 months ago
Reply to  Superhasenmaus

It’s obvious. It’s just uncommon that someone really needs 20+ EIGHT TIME transfers a month.

At Ebay you can hardly pay with transfers

DaKaBo
4 months ago
Reply to  Isuzu189

I make about 3 to 4 real-time transfers per year (cost at my bank 0.50 €). You do it a week.

Why don’t you make normal transfers?

Rolf42
4 months ago
Reply to  Isuzu189

Yes, it’s normal that real-time transfers cost money.

But not 2.50 euros. Usually 50 cents.

So far I thought the Sparkasse Hannover has been the most expensive for a real-time transfer with 2 Euros, but the Sparkasse Pfullendorf-Meßkirch has actually managed to surpass this.

Singuli
4 months ago

This is what you have to do with the Sparkasse Demands, usually an invoice is made monthly.

christl10
4 months ago

Yes of course this is normal….Luxus and etxra Service is expensive.

No one needs a real-time transfer… something is unnecessary.

The money is at the receiver in 24 hours anyway….

…someone who needs it.

Singuli
4 months ago

If you’ve done so much real-time transfer, you’re actually guilty.

You have to pay. Because you agreed to the conditions.

But I wonder why you can be so many real-time transfers?

This is something of a lack of competence in finance, because you will be told about the costs every time you make a real-time transfer.

archibaldesel
4 months ago

Well, I guess you should have informed you before.

Normal is relative. There are about 400 savings banks in Germany. All have different price lists. I don’t pay for real-time transfers.

AngiedieSchlaue
4 months ago

Normal. Someone likes to give his money.