Sparkasse and Postbank: Customers are being terminated - because they have not agreed to the negative interest rates
Created: 04/07/2022, 10:41 am
By: Patricia Huber
Postbank and Sparkasse Dortmund have terminated customers because they did not agree to the negative interest rates.
© Steinach/Imago Images
Numerous banks are already demanding negative interest rates from their customers.
Anyone who does not agree must expect the account to be terminated, as the Postbank and a savings bank are now proving.
Munich/Berlin – If you have a lot of money in your account, you have to pay extra.
At least when the bank demands so-called negative interest rates.
As the comparison
portal Verivox
reports, 450 banks have already announced negative interest rates.
These include, for example, the Commerzbank*, a number of savings banks and Volksbanks and the Postbank.
Most banks grant an allowance of between 25,000 and 100,000 euros.
For every euro above this threshold, between 0.5 and 1 percent negative interest is then charged.
Sparkasse and Postbank terminate accounts due to a lack of a declaration of consent
However, customers must give their consent to the negative interest rates before the bank can charge them.
But what actually happens when customers don't agree?
Postabank has now proven that some banks don't hesitate too long.
She has terminated some customers' accounts for not providing consent*.
The Handelsblatt
reports on this
.
However, Postbank is not alone in this approach.
The Sparkasse Dortmund has also canceled customers' accounts for this reason.
A spokesman for Deutsche Bank*, to which Postbank belongs, told the
Handelsblatt
that an “amicable solution could be found” with most of the customers affected.
"To our regret, we have to end the banking relationship with the few customers who, after completing the multi-stage approach process, did not want to agree on a suitable investment alternative or a custody fee with us," he makes clear.
Negative interest rates: Commerzbank is not planning any terminations
But there are alternatives.
Commerzbank does not want to get rid of its customers so quickly and is currently not planning any terminations.
A spokesman said: "We will see that we can find good common solutions."
It is also disputed whether charging negative interest is even legal.
The consumer advice center* stands up for the rights of customers and repeatedly goes to court.
She is of the opinion that negative interest rates on money market and current accounts are not legal.
(ph) *Merkur.de is an offer from IPPEN.MEDIA.
