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Chestii bancare si ce nu le spun cei de la banci clientilor
Scris de Alex Sima | 15, 08, 2011
Dupa o vacanta maricica (evident ca si de pe blog), m-am intors la ce conteaza cu adevarat*.
Mai am putin si pierd sirul conturilor facute pe la diferite banci. Primul, pe care inca il am, l-am facut la BancPost prin 2002. De-a lungul timpului, am avut (pe unele inca le mai am) la BCR, la CEC, la Transilvania. La BCR de pilda am trei. Doua in lei si unul in valuta. Mi-am petrecut o buna bucata din timp citind contracte si primind informatii. Sincer, daca nu as avea nevoie sa fac plati cu cardul, mi-as tine banii intr-un ciorap ingropat.
Inca imi aduc aminte prin ce am trecut incercand sa fac un cont pentru firma, acum un an si ceva, cu cei de la Transilvania. Prima data au gresit optiunile pe care mi le-au prezentat (nu mai erau valabile) si cand am ales ceva, fata in fata cu reprezentantul lor, mi-au telefonat peste x zile ca nu mai pot face ce convenisem de comun acord. Bun, am trecut peste asta, le-am zis sa imi comunice alta varianta. Mi-au trimis altceva si am intrebat care sunt diferentele, comisioanele, etc. Apoi mi-au zis ca pentru cele din urma nu sunt diferente fata de ce cerusem initial. Mi s-a parut dubios, asa ca am cautat termenii contractului pe net. Si ca sa vezi, comisioanele erau duble. In loc sa recunoasca faptul ca au gresit, din nou, din nestiinta, mi-au spus ca de fapt am inteles eu altceva. Zis si facut, aveam totusi nevoie de card la cont, am ales o optiune si am asteptat, si am asteptat, si nici in ziua de azi nu il avem. Asa ca prefer sa ma duc frumos cu chitantierul si facturierul si sa iau banii cash cand e cazul. E mai putina bataie de cap decat as avea cu banca. Si sincer, cand o sa am nevoie sa folosesc cu adevarat contul si cardul pentru firma, il inchid frumos pe asta si o sa merg la fel de frumos la alta banca si o sa deschid unul nou, doar din principiu.
Bineinteles, am avut si experiente extrem, dar extrem de placute cu functionari ai bancilor. Si aici intra toti, dar absolut toti angajatii BCR. Din orice oras. Nu stiu ce training li se face, cum sunt selectati, insa nu am avut pana acum decat lucruri de bine de povestit dupa o intalnire cu ei. Indiferent ca as fi facut o simpla, plata, as fi deschis un nou cont, sau as fi cerut informatii suplimentare. Ce nu imi place insa: Daca nu stii ce sa intrebi, iti faci contul si e posibil ca intr-o anumita zi sa te trezesti cu el gol. Daca n-as fi intrebat eu precis un anumit lucru, acum cateva saptamani, nu l-as fi stiut niciodata. Si l-am intrebat doar pentu ca n-am mai folosit contul respectiv de jumatate de an si ma gandeam sa il inchid. Mai precis, taxa de administrare lunara pentru contul respectiv (in Euro) e de 0,59 Euro. Si in cazul meu, e de vreo patru ori si un pic mai mare decat dobanda pe care o primesc. Ceea ce inseamna ca dau bancii ~7 Euro pe an, ca sa imi tina banii, si “castig” ~1,5 Euro pe an din dobanda. Doar de pe la 10.000 de Euro in sus dobanda prinde din urma comisionul de administrare.
Morala: poate e mai indicat uneori sa inchizi un cont pe care nu il folosesti si sa il redeschizi cand ai nevoie de el. Intreaba la banca cifrele exacte si vezi daca iesi pe minus la sfarsitul unei luni fara tranzactii.
* = Ce conteaza nu sunt banii, ci a da o mana de ajutor oamenilor care nu stiu cu ce se mananca diferite chestii. Hai, sincer, cine nu s-a gandit ca e vorba de bani? 😀
Subiecte: Firme, Personal | 69 Comentarii »
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