Client has difficulty to open account essential
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Consumers are still serious difficulties to open bank account with only essential services
Who wants to save and open a bank account with only essential services free of charge, determined by the Central Bank (BC), has serious difficulties. This is because the officials of banks or ignore this type of account or confused with other modalities.
This is in search of the Brazilian Institute of Consumer Defense (Idec) made with ten banks that have more than a million clients: Banco do Brasil (BB), Banrisul, Bradesco, Caixa Economica Federal, HSBC, Itaú, Nossa Caixa, Real, Santander and Unibanco.
For the survey, half of them do not offer the essential services free account with the simple fact that whoever attends the consumer ignores this possibility.
You can only account of a very persistent. The other half mixture essential services with other forms of accountability. "As half of the banks did not know about essential services, while opening the account the consumer needs to insist too much. Can work, but the economy is worth, "says Mark Diegues, legal advisor of Idec.
To learn how it can save the Idec compared two situations: the customer who wants to use only the most essential services a DOC per month and a renewal rate of registration with the case of client who hires packages of banking.
The packages used in the comparison are those that include at least one DOC per month. As in two cases (Itaú and Banrisul) the banks had no packages with DOC, the Idec chose to include the 10 sheets of checks. The result is that they can be 23% to 204% more expensive packages of tariffs. For example, the simple Itaú costs $ 19 per month, but if the client chooses the essential services pay U.S. $ 14.30 even as a DOC and to pay the renewal fee. In the case of HSBC Premier, the monthly cost of the package is $ 38 and fall to $ 12.50 with a DOC and rate.
Right guaranteed
Since April 30, 2008 you have the possibility to use a range of services such as drawings, extracts and leaves without paying the check charge. This right is guaranteed by Resolution 3518/2007 of BC. The account is not free only because the resolution allows the collection of a registration renewal fee of two times per year, even though there has been no update in the register.
'The resolution does not require that banks assemble a package with the essential services and the confusion arises with the basic package or the salary account, intended only to receive wages or pension and retirement benefits,' says Mark says Diegues, legal of Idec.
Rationale
Through his office, the Central Bank said that although the number of complaints about fees is small (around 500 per month in a universe of 100 million accounts), routinely monitors the various financial institutions located throughout the country
The other Brazilian banks is justified. Banco do Brasil, Nossa Caixa, Unibanco and Itaú said that following the rules of the resolution.
HSBC and Box say they follow the resolution, but strengthened guidelines in agencies. Real Santander and say that the analysis of Idec believes only a restricted profile of consumption. Bradesco and Banrisul not commented.
Source: Diário do Nordeste
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