Was passiert wenn man keine Kontoführungsgebühren bezahlen kann?
Guten tag ich habe eine ganz simple frage ich kann mit mrinem konto nicht ins minus gehen (nicht gedeckter Betrag wird zurück gebucht). Jetzt meine frage: was passiert wenn ich die Kontoführung nicht bezahlen kann?
Usually, the bank grants you an overdraft. This could also happen when your credit is not completely bad.
You pay higher interest than for the dispo. This is somewhere in the bank’s documents, e.g.
The fees will still be charged to the account, so the account will be covered and you will also be charged with interest.
Debits are paid by other beneficiaries, but not by the bank itself.
The account management fees are still charged and you have to pay them.
You owe the bank’s money, you don’t pay it, the bank will cancel the account.
Either you have an overdraft at the bank as a financial reserve.
Or your account will be blocked – shut down.
So fast but not because you go 1x short into the dispo. The bank will contact sooner or later
The bank will definitely get its money
Your account goes into minus even without granted dispo
See Difference Dispo / Patient Dispo
Then your account is covered. You go to the “Minus” with this amount.