Zła wiadomość: banki są coraz mniej hojne wobec oszczędzających. „Breaking news” to raczej nie jest i nikogo nie dziwi, że banki chcą zarobić jak najwięcej. Tyle, że w sytuacji kiedy akcja kredytowa spowalnia (mniej kredytów konsumpcyjnych, mniej kredytów hipotecznych – niższy niż przed laty popyt na mieszkania), banki swoją uwagę przenoszą z kredytobiorców na oszczędzających i zwykłych użytkowników kont osobistych.

Paradoksalnie, jest za to po części odpowiedzialna nasza skłonność do oszczędzania. Ograniczamy konsumpcję i oszczędzamy, więc potrzebujemy mniej kredytów. Zyski banków z tego tytułu spadają, toteż muszą sobie to jakoś „odbić”. I wybierają podwyżki podstawowych opłat lub ograniczenie bonusów. Tak w dużym uproszczeniu.

W ostatnim czasie banki były stosunkowo hojne jeżeli chodzi o różne premie. A to moneyback (cashback) za zakupy w wybranych miejscach: na stacjach benzynowych, w sklepach spożywczych, w internecie. Lub premia za przelew wynagrodzenia. Albo jeszcze dodatkowe bonusy za samo założenie konta w danym banku.

Ostatnie miesiące dają co najmniej dwa istotne przykłady ograniczeń w wypłacaniu tego typu premii.

Na początku kwietnia Alior Sync zmienił zasady wypłacania moneybacku za transakcje internetowe. Nadal jest to 5% zwrotu, ale tym razem obarczone bardzo ograniczającym limitem. Maksymalny zwrot może wynieść 50 zł miesięcznie i 200 zł rocznie. W porównaniu z poprzednimi limitami (w które mogli wpaść chyba tylko hurtownicy – zwrot do 1250 zł miesięcznie), jest to bardzo znacząca zmiana.

Z drugiej strony, bank BGŻ zmienia zasady funkcjonowania Konta z Premią. Dotychczas bank, w ramach tytułowej premii, „dopłacał” 1% do najwyższego wpływu na konto w miesiącu. W ten sposób maksymalnie można było „zarobić” 45 zł (górny limit 50 zł minus 5 zł opłaty za kartę). Od maja (28 maja zaczyna się pierwszy cykl rozliczeniowy na nowych zasadach) bank nie będzie już dopłacał do dowolnego przelewu, niezależnie od źródła. Według regulaminu premiowane będą tylko przelewy wynagrodzenia – od pracodawcy. Dodatkowo, wzrasta limit obowiązkowych płatności kartą (z 300 zł do 500 zł) uprawniający do otrzymania premii.

Ponadto, każdy kto regularnie oszczędza, widzi że coraz trudniej o dobrze oprocentowane lokaty i konta oszczędnościowe. Nowym standardem rynkowym stają się okolice 4% brutto. Nawet dbNET z końcem czerwca zetnie promocyjne oprocentowanie konta oszczędnościowego z 6% do właśnie 4%.

No i do tego wszystkiego, banki planują podwyżki podstawowych opłat i prowizji w nadchodzącym miesiącu. Jest to dobra motywacja do tego, aby przejrzeć swoje własne rachunki bankowe i być może rozstać się z tymi, których już nie potrzebujemy.

Jak nie dać się zaskoczyć zmianami?

Wiemy jak trudno jest na bieżąco śledzić wszystkie zmiany w regulaminach i taryfach opłat i prowizji bankowych. To, co wymieniliśmy powyżej, to tylko przykład kilku ostatnich zmian.

Jeżeli nie chcecie być zaskoczeni zmianami w taryfach (zwiększeniem opłat bankowych lub wprowadzeniem nowych), to Kontomierz ma na to bardzo wygodne rozwiązanie. A nawet kilka.

Alert o opłatach

Kontomierz może wysłać Wam alert (zarówno wewnątrz aplikacji jak i na mail) za każdym razem, gdy importowany bank naliczy Wam jakąkolwiek opłatę – czyli w momencie, gdy w historii transakcji pojawi się taka oznaczona kategorią „opłaty i prowizje bankowe”.

To ustawienie możecie włączyć/wyłączyć/zmienić klikając na dymek alertów przy nazwie konta (prawy górny róg) a następnie wybierając „ustawienia”.

Wyszukiwarka transakcji

Jeżeli chcecie odfiltrować opłaty bankowe z danego okresu, wystarczy zadać odpowiednie pytanie w wyszukiwarce transakcji.

Przy okazji Kontomierz wyświetli podsumowanie wydatków poniesionych w związku z wyszukanymi transakcjami.

Przeszukiwanie po kategoriach

 

Trzecia droga, to odszukanie opłat i prowizji bankowych w drzewku kategorii. Domyślnie znajduje się ona w grupie „Rachunki i media”.

--

Oczywiście, te wszystkie rozwiązania dzieją się „po fakcie” – czyli w momencie, w którym bank już daną opłatę naliczył. Ale to i tak dużo lepsza sytuacja od tej, kiedy logując się na zapomniane i nieużywane od miesięcy konto widzimy kilkudziesięciozłotowy debet (+ możliwe kary za zejście poniżej 0 zł w saldzie rachunku).

Dla tych, którzy absolutnie nie chcą pozwolić na naliczenie żadnej opłaty, pozostaje bieżące śledzenie komunikatów banków. Najprostsze rozwiązanie, to logować się na swój rachunek co najmniej raz w miesiącu i sprawdzać wiadomości przychodzące od banku.

Fot. Flickr/401(K) 2013


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