Hallo allerseits, ich bin ein Student ohne Einkommen und ich benutze Girokonto von Commerzbank eine Weile ohne Gebühr.
Heute erhielt ich einen Brief, in dem ich besagte, dass ich 4,90 Euro pro Monat berechnet werde und sie meine Vereinbarung benötigen. Was wird passieren, wenn ich nicht mit einer Vereinbarung antworte? Wird die Gebühr automatisch angewendet oder blockiert sie mein Konto?
Wenn ich nicht berechnet werden will, soll ich mein Konto bald kündigen? Ich bin nicht gut in Deutsch und habe dafür eine Apps -App verwendet. Bitte lassen Sie mich wissen, ob ich etwas falsch verstehe.
https://i.redd.it/snh3g5txzjle1.jpeg
Von Huge_Communication58
18 Kommentare
Technically there is some court ruling that says they’re not allowed to charge you without your explicit consent. You can try never responding.
This doesn’t prevent them from closing your account, of course.
They will likely try to push you a few more times to sign, and then terminate the contract.
Honestly, just switch to C24. There’s no reason to pay for mediocre service.
The letter is saying that they can’t start charging you the monthly fee without your agreement.
The implied threat is that they will cancel your account if you don’t agree.
Basically, this is how banks have to do their price increases now – they aren’t allowed to just unilaterally raise prices anymore.
Don’t pay. There are free alternatives.
Most likely if you don’t react they will send more letters. After some time they will decide if they terminate your account or if they just keep you. This may depend on how important you are to them as a customer. If you only cost money, then the probability that they will terminate the account is high. If you have lots of money just lying around on the account without receiving interest then they might decide to keep you. I don’t know.
If they terminate the account, they will need to send you a message telling you the account will be terminated, and there will be a certain notice period. I would think that the notice period for termination is probably at least 4 weeks, possibly even 3 months. It is probably written somewhere in the Commerzbank AGB.
If you want to not pay 4,90 / month and also not risk having your account terminated, you should try to get an account somewhere else. For example ING is still free if you get wages of at least 1.000 Euro monthly on the account. They charge for a debit card though, I think it is 1,50 per month.
I’ve seen such posts already circulating. Should i also expect this? Currently my plan is free as long as i receive certain amount of money monthly.
Are banks doing this bad that they’re now charging students? Damn
Next time you can ask ChatGPT to explain in your language what some letter is about. Just copy text with Google translate’s camera and paste it into ChatGPT
I heard for students it is staying free. I am also a student and have not received anything till now.
I received the same letter. I’m just going to move my accounts else where, it’s not like commerzbank have been outstanding to be with, more like just competent enough that I haven’t bothered switching.
I only opened the account because they had branches next to my home and my job but they’ve since closed all but one location that’s not near either so the convenience isn’t even there anymore.
comdirect just mass canceled accounts in the last few months
Switch to dkb or ing. All the old big banks suck. Especially the local Sparkassen.
As you can hear in the last episode of Finanz-Szene Podcast you only need 70k of assets under management to be in the free scheme.
After way too much time with Deutsche Bank paying a lot for nothing I went to ING and could not be happier.
Move to n26 or trade republic. At least you can earn little interest on your money.
According to this website there is an exemption for students. Maybe you can go to a Commerzbank subsidiary and ask to be sure.
https://www.t-online.de/finanzen/aktuelles/verbraucher/id_100604928/commerzbank-verlangt-girokonto-gebuehren-ab-mai-das-koennen-kunden-tun.html
USE REVOLUT
All this due to the new EU banking rules that are supposed to save us money but I think the trick is for banks to get more money out of „being forced“ to charge subscription to everyone, ending up with a higher average revenue per client than they were before.
Now they will be taking money from you even if your money is just sitting there. There are many such accounts.