Availability of basic banking services

Survey of availability and pricing of basic banking services

2018

Annual survey of basic banking services

Once a year, the FIN-FSA conducts a survey of basic banking services, with a particular focus on availability and pricing. One of the aim of the survey is to ensure that the right of customers to obtain basic banking services under the Act on Credit Institutions is met in practice and that this is not impaired by, for example, unfair pricing.

The 2018 survey is based mainly on pilot material available on the consumer payment account comparison website, launched on 31 October 2018, supervisory observations as well as feedback from customers, interest groups and supervised entities. The price and branch data were collected from the website's pilot material in October 2018 and covered a total of 212 banks.

An overall assessment by the FIN-FSA shows that the right of customers to obtain basic banking services under the Act on Credit Institutions is met appropriately overall. The availability of basic banking services is generally good. Digital online and mobile services are still developing strongly and are used extensively. It is however important that banks ensure the availability of basic banking services at fair prices and as an alternative to digital banking services.

Branch network

There were 854 bank branches providing services for retail customers. The number of branches serving retail customers has decreased in recent years. The cash services of these branches have also been reduced further, with nearly half of such branches providing only limited cash services and about 20% providing no cash services at all.   

The availability of cash at bank branches is partly compensated by the increasing number of cash ATMs and the cashback services at retail stores.

Digital banking services

Digital online and mobile banking services are part of the wider digitalisation trend in society. Many banks have demonstrated initiative in tailoring their services to accommodate various user groups, and are increasingly offering guidance and support to facilitate the use of digital banking services and to lower the threshold of using these services.

Pricing

The most common prices charged for banking services have changed only marginally from the previous year. The total costs that customers pay for banking services are determined to a considerable extent by the particular pricing model that applies to the customer relationship. Many banks offer their customers service packages that incorporate discounts given on the basis of, for example, the customer's age or the degree to which the customer concentrates his or her financial dealings with the bank. 

Pricing of basic banking service

Service

Price 
2018,
euro

Price 
2017,
euro

Price
2016,
euro

Account statement free free free
Statement of
transactions from an ATM​
​1.00–1.49
/month
1.00–1.49
/month
1.00–1.49
/month
Debit card 1) ​2.50-2.99
/month
​2.00–2.49
/month
​2.00–2.49
/month
Payment of invoices
  • ​​In cash over
    the counter

 

5.00–6.49
/invoice

 

7.00–7.49
/invoice

 

7.00–7.49
/invoice

  • ​​By credit transfer over the counter

5.00–5.49
/invoice

5.00–5.49
/invoice

5.00–5.49
/invoice

  • ​By payment ATM 2)

​0.50–1.49
/invoice

1.00-1.49
/invoice

0.50–0.99
/invoice

  • Direct debit

free

free

free

  • Payment services envelope

​2.00–2.49
/invoice

2.00–2.49
/invoice

2.00–2.49
/invoice

1) At most banks (approx. 75%) offline debit cards are not available.
2) At most banks (approx. 80 %) this service is not available.

Choice of banking arrangements

The availability of services and the costs of using them are also determined by the particular choices made by bank customers. Customers should therefore carefully consider the type of banking arrangements they need and compare the types of service available and the related fees. For comparing services, customers may for example refer to the independent consumer payment account comparison website (in finnish), where they can compare the most common payment account services provided by banks, the related prices and banks’ branch networks. It is also advisable to find out what other services and options are available elsewhere than in bank branches (e.g. for payment of invoices or for cash withdrawal) and the prices of those services.

After making such comparisons, it will be easier to select the most suitable and affordable arrangements for everyday banking. If the use of a payment card or access to online banking is out of the question due to, for example, illness, disability or some other reason, customers can contact their own bank and discuss alternative banking arrangements.

2017

Branch network and availability of basic banking services

There were 979 bank branches providing services for retail customers. The number of branches serving retail customers has decreased in recent years. The cash services of these branches have also been reduced, with approximately 30% of such branches providing only limited cash services and about 15% providing no cash services at all.

The number of cash dispenser ATMs, self-service points (customer terminals) and payment ATMs has also decreased. The number of cash dispenser ATMs has been reduced mainly in the cities and larger towns.

The most common prices of the banking services

Pricing

The most common prices charged for banking services have not changed significantly from the previous year. The total costs that customers pay for banking services are determined to a considerable extent by the particular pricing model that applies to the customer relationship. Many banks offer their customers service packages that incorporate discounts given on the basis of, for example, the customer's age or the degree to which the customer concentrates his or her financial dealings with the bank.

​Pricing of basic banking service

Service

Price 
2017,
euro

Price 
2016,
euro

Price
2015,
euro

Account statement free free free
Statement of
transactions from an ATM
1.00–1.49
/month
1.00–1.49
/month
1.00–1.49
/month
Online debit card (such as Visa Electron)​ 2.00–2.49
/month​
2.00–2.49
/month
2.00–2.49
/month
Debit card ​2.00–2.49
/month
​2.00–2.49
/month
​2.00–2.49
/month
Payment of invoices
  • ​​In cash over
    the counter

 

7.00–7.49
/invoice

 

7.00–7.49
/invoice

 

7.00–7.49
/invoice

  • ​​By credit transfer over the counter

5.00–5.49
/invoice

5.00–5.49
/invoice

5.00–5.49
/invoice

  • ​By payment ATM 1)

​1.00-1.49
/invoice

0.50–0.99
/invoice

0.50–0.99
/invoice

  • Direct debit

free

free

free

  • Payment services envelope

​2.00–2.49
/invoice

2.00–2.49
/invoice

2.00–2.49
/invoice

1) At most banks (approx. 80%), this service is not available.

Choice of banking arrangements

The availability of services and the costs of using them are also determined by the particular choices made by bank customers. Customers should therefore carefully consider the type of banking arrangements they need and compare the types of service available and the related fees. It is also advisable to find out what other services and options are available elsewhere than in bank branches (e.g. for payment of bills or for cash withdrawal) and the prices of those services.

After making such comparisons, it will be easier to select the most suitable and affordable arrangements for everyday banking. If the use of a payment card or access to online banking is out of the question due to, for example, illness, disability or some other reason, customers can contact their own bank and discuss alternative banking arrangements.

What are basic banking services?

Retail customers are entitled to basic banking services provided by deposit banks. These services include a payment account with basic features, the means by which the account can be used (e.g. debit card and online banking ID), the facility to withdraw cash and to make payments, and an electronic means of identification. Basic banking services do not include accounts with an overdraft facility or a range of credit cards.

Deposit banks process applications by retail customers for a basic payment account without undue delay and at the latest within 10 banking days. As a rule, a deposit bank may refuse to open a basic payment account and to provide related services only for reasons pertaining to money laundering regulations. This may be the case if, for example, the bank cannot reliably ascertain the identity of the customer.

The right to basic banking services only applies to retail customers and not to, for example, companies and associations.

Annual survey of basic banking services

Once a year, FIN-FSA conducts a survey of banking services, with a particular focus on the availability and pricing of basic banking services. One of the aims of the survey is to ensure that the right of customers to obtain basic banking services under the Act on Credit Institutions is met in practice and that this is not impaired by, for example, unfair pricing.

The survey is based on monitoring observations and feedback received from the markets, and also on an enquiry sent to deposit banks and branches of foreign credit institutions offering basic banking services. The survey is conducted annually and is based on the situation at the beginning of March. This year a total of 229 banks responded to the survey, which was based on the situation prevailing on 1 March 2017.​

2016

Availability

There were 1,048 bank offices providing services for private customers. The number of private customer offices has decreased in recent years, and the provision of cash services in offices has also been reduced: about 30% of private customer offices provide only limited cash services and some 15% do not provide these services at all.

Bank office network and availability of banking services

The number of cash dispensers and payment ATMs has also decreased. Cash dispensers have been reduced mainly in large cities. The number of customer terminals has increased slightly, after a significant contraction in recent years.

Bank office network and availability of banking services

Pricing

The prices of the most common banking services have largely remained unchanged. The total cost that a customer pays for banking services is affected considerably by different pricing models pertaining to customer relationships: many banks offer their customers service packages, where pricing is affected by discounts based on, for example, concentration of financial dealings or customer’s age.

​Pricing of basic banking service

Service

Price 
2016,
euro

Price 
2015,
euro

Price
2014,
euro

Account statement free free free
Statement of
transactions from an ATM
1.00–1.49
/month
1.00–1.49
/month
1.00–1.49
/month
Online debit card (such as Visa Electron)​ 2.00–2.49
/month​
2.00–2.49
/month
2.00–2.49
/month
Debit card ​2.00–2.49
/month
​2.00–2.49
/month
​1.50-1.99
/month
Payment of invoices
  • ​​In cash over
    the counter

 

7.00–7.49
/invoice

 

7.00–7.49
/invoice

 

6.00–6.49
/invoice

  • ​​By credit transfer over the counter

5.00–5.49
/invoice

5.00–5.49
/invoice

5.00–5.49
/invoice

  • ​By payment ATM 1)

​0.50–0.99
/invoice

0.50–0.99
/invoice

0.50–0.99
/invoice

  • Direct debit

free

free

free

  • Payment services envelope

​2.00–2.49
/invoice

2.00–2.49
/invoice

1.50-1.99
/invoice

1) For the majority (about 75%) of banks, not included in the selection of services.

Choice of banking arrangements

Bank customers can also, through their choices, influence the availability of services and the costs of using them. It pays to consider the possible banking arrangements and needs and to compare available service types as well as the fees involved. It is also advisable to explore newly available banking arrangements and services outside of bank offices (for example for paying of bills and withdrawing of cash) and the prices of those services.

After making those comparisons it is easier to choose the most appropriate and favourable daily banking arrangements. If use of a payment card or access to online banking is out of the question due to, for example, illness, disability or some other reason, it is wise to contact your own bank and discuss alternative banking arrangements.

What are basic banking services?

Basic banking services refer to normal deposit accounts, account facilities (for example online debit card with verification of the account balance in real time, in connection with a transaction) and execution of payment orders. Basic banking services do not include, for example, accounts with overdraft facility or credit cards.

A bank may decline to open an ordinary deposit account only if there is a weighty reason. The reason must relate to the customer, his or her previous behaviour, or an apparent lack of need for the customer relationship. In addition, the Act on Detecting and Preventing Money Laundering and Terrorist Financing may preclude the provision of basic banking services in certain situations.

The right to basic banking services only applies to natural persons, not to, for example, companies and associations.

Annual review of basic banking services

Once a year, FIN-FSA conducts a review of basic banking services, with a particular focus on the availability and pricing of those services. One of the aims of the review is to ensure that customers’ right to basic banking services under the Credit Institution Act is realised in practice and that such realisation is not impaired by, for example, unfair pricing.

The review is based on both supervision observations and feedback from the markets as well as an enquiry sent to deposit banks and branches of foreign credit institutions offering basic banking services.  The review is conducted annually on the basis of the situation at the beginning of March. This year the review was based on the situation as at 1 March 2016, and a total of 234 banks responded.

Payment Account Directive also affects basic Finnish banking services

In the future, the Payment Account Directive will also lay down the contents of basic banking services. Among other things, the Directive addresses services, pricing and price presentation related to so-called basic bank accounts. The Directive will be transposed into national law in 2016.​

2015

Banks must guide customers in choosing appropriate services

​On the basis of an annual review, the Financial Supervisory Authority (FIN-FSA) assesses the availability and pricing of basic banking services offered to private customers. The 2015 review is based on information as of the beginning of March.

Availability

There were 1,109 bank offices providing services for private customers. In recent years, the number of private customer offices has decreased by about 100 per year. The cash services provided by bank offices for private customers have also been reduced: about 40% of private customer banks provide only limited cash services or none at all.

Bank office network and availability of banking services

 

The number of cash dispensers (ATMs) has remained almost unchanged. The number of ATMs for payment of bills has also remained approximately unchanged. By contrast, the number of customer terminals has decreased significantly from the previous year, to less than half of the number in 2014.

Pricing

The prices of some basic banking services have risen in recent years. The total costs that customers pay for banking services are affected considerably by different pricing models pertaining to customer relationships: most banks offer their customers service packages, whose pricing is influenced by discounts based on, for example, concentration of financial dealings or customer’s age.

​Pricing of basic banking service

Service

Price 
2015,
euro

Price 
2014,
euro

Price
2013,
euro

Account statement free free free
Statement of
transactions from an ATM
1.00–1.49
/month
1.00–1.49
/month
0.50–0.99
/month
Online debit card (such as Visa Electron)​ 2.00–2.49
/month​
2.00–2.49
/month
2.00–2.49
/month
Debit card ​2.00–2.49
/month
​1.50-1.99
/month
​1.50-1.99
/month
Payment of invoices
  • ​​In cash over
    the counter

 

7.00–7.49
/invoice

 

6.00–6.49
/invoice

 

6.00–6.49
/invoice

  • ​​By credit transfer over the counter

5.00–5.49
/invoice

5.00–5.49
/invoice

3.50-3.99
/invoice

  • ​By payment ATM 1)

​0.50–0.99
/invoice

0.50–0.99
/invoice

0.50–0.99
/invoice

  • Direct debit

free

free

free

  • Payment services envelope

​2.00–2.49
/invoice

1.50-1.99
/invoice

1.00–1.49
/invoice

1) For the majority (about 75%) of banks, not included in the selection of services.

Choice of banking arrangements

Bank customers can also, through their choices, influence the availability of services and the costs of using them. It pays to consider the possible banking arrangements and needs and to compare available service types as well as the fees involved. It is also advisable to explore newly available banking arrangements and services outside of bank offices (for example for paying of bills and withdrawing of cash) and the prices of those services.

After making those comparisons it is easier to choose the most appropriate and favourable daily banking arrangements. If use of a payment card or access to online banking is out of the question due to, for example, illness, disability or some other reason, it is wise to contact your own bank and discuss alternative banking arrangements.

What are basic banking services?

Basic banking services refer to normal deposit accounts, account facilities (for example online debit card with verification of the account balance in real time, in connection with a transaction) and execution of payment orders. Basic banking services do not include, for example, accounts with overdraft facility or credit cards.

A bank may decline to open an ordinary deposit account only if there is a weighty reason. The reason must relate to the customer, his or her previous behaviour, or an apparent lack of need for the customer relationship. In addition, the Act on Detecting and Preventing Money Laundering and Terrorist Financing may preclude the provision of basic banking services in certain situations.

The right to basic banking services only applies to natural persons, not to, for example, companies and associations.

Annual review of basic banking services

Once a year, FIN-FSA conducts a review of basic banking services, with a particular focus on the availability and pricing of those services. One of the aims of the review is to ensure that customers’ right to basic banking services under the Credit Institution Act is realised in practice and that such realisation is not impaired by, for example, unfair pricing.

The review is based on both supervision observations and feedback from the markets as well as an enquiry sent to deposit banks and branches of foreign credit institutions offering basic banking services.  The review is conducted annually on the basis of the situation at the beginning of March. This year the review was based on the situation as at 1 March 2015, and a total of 248 banks responded.

Payment Account Directive also affects basic Finnish banking services

In the future, the Payment Account Directive will also lay down the contents of basic banking services. Among other things, the Directive addresses services, pricing and price presentation related to so-called basic bank accounts. The provisions of the Directive will be implemented in national legislation in 2016.

2014

As a rule, basic banking services still readily available

Basic banking services are for the most part still readily available. However, the number of bank branches for personal customers and the number of customer terminals has declined. Changes in the pricing of services have generally affected the prices of individual services. FIN-FSA assesses the availability and pricing of basic banking services offered to personal customers in an annual review. This year, the survey was based on the situation as at the beginning of March.

Decline in the number of branches and customer terminals

The number of bank branches serving personal customers totalled 1,208, representing a decline of about a hundred from the previous year (1,319). The number of self-service facilities – i.e. customer terminals – declined by almost two hundred.

The reduction in branches for personal customers and the services provided may locally compromise the availability of banking services, particularly for customers who do not have a payment card or access to online banking. This is often the case e.g. for older customers. FIN-FSA is monitoring developments in the availability of basic banking services.

Pricing of basic banking services

About two thirds of banks have revised the pricing of their basic services since the previous survey (1 March 2013). The changes were generally increases in prices of individual services. FIN-FSA considers it important that fees charged for basic banking services be affordable and that banks instruct their customers on the selection of suitable services.

The pricing of services depends to a considerable degree on different pricing models relating to the type of customer relationship. Most banks offer their customers different service packages whose pricing includes discounts, for example based on the concentration of personal finances or the customer’s age.

Most commonly, the fees charged for basic banking services were as follows:

Service

Price 
2014,
euro

Price
2013,
euro

Account statement free free
Statement of
transactions from an ATM
1.00–1.49
/month
0.50–0.99
/month
Debit card (online)​ 2.00–2.49
/month
2.00–2.49
/month
Debit card ​1.50-1.99
/month
​1.50-1.99
/month
Payment of invoices
  • ​​In cash over
    the counter

 

6.00–6.49
/invoice

 

6.00–6.49
/invoice

  • ​​By credit transfer over the counter

5.00–5.49
/invoice

3.50-3.99
/invoice

  • ​By payment terminal 1)

0.50–0.99
/invoice

0.50–0.99
/invoice

  • Online 2)

2.50-2.99
/month

2.50-2.99
/month

  • Direct debit

free

free

  • Payment services envelope

1.50-1.99
/invoice

1.00–1.49
/invoice

1) For the majority (about 75%) of banks, not included in the selection of services.
2) For the majority (about 55%) of banks, included in the monthly payment for online services.

Selection of ways to handle one’s banking business

Banking customers can affect the costs of their banking services by their own choices. It therefore pays to consider what one wants from their banking business and to compare

  • the availability and quality of the services provided by different banks,
  • fees charged by them for their services and
  • any other services potentially available.

Based on such a comparison, one can choose the most appropriate way to handle one’s banking business. It is also advisable to explore the new possibilities for banking and service points outside bank branches, and at what prices these services are offered.

The Payment Accounts Directive will also affect banking services in Finland

The European Parliament has adopted a so-called Payment Accounts Directive (PAD) which will govern the content of basic banking services. The PAD must be transposed into national law within two years after its entry into force. The PAD lays down rules relating e.g. to the services offered, the pricing of services and the provision of fee information.

What are basic banking services?

Basic banking services refer to normal deposit accounts, account facilities (e.g. online debit card verifying the account balance in real time in connection with a transaction) and execution of payment orders. Basic banking services do not include, for example, accounts with an overdraft facility or credit cards.

A bank may decline to open an ordinary deposit account only if there is a weighty reason. The reason must relate to the customer or their previous behaviour, or that there is apparently no real need for the customer relationship. In addition, the Act on the Prevention and Clearing of Money Laundering may preclude the provision of basic banking services in some situations.

The right to basic banking services applies only to natural persons, not, for example, to companies or associations.

Annual review of basic banking services

Once a year, FIN-FSA conducts a review of basic banking services, with a particular eye to the availability and pricing of these services. One of the aims of the review is to ensure that customers’ right to basic banking services under the Credit Institution Act is realised in practice and that such realisation is not impaired by, for example, unfair pricing.

The review is based on both supervision observations and feedback received from the markets as well as a survey sent to deposit banks and branches of foreign credit institutions offering basic banking services. The survey is conducted annually on the basis of the situation in March. This year, the survey was based on the situation as at 1 March 2014, and a total of 255 banks responded.

2013

Further decline in bank branches for personal customers; however, as a rule, basic banking services are still readily available

FIN-FSA assesses the availability and pricing of basic banking services offered to personal customers in an annual review. According to the review conducted in March 2013, the number of bank branches for personal customers has continued to decline and the prices for certain banking services have risen.

FIN-FSA considers that basic banking services are, as a rule, still readily available. As regards the pricing of services, FIN-FSA has called particular attention to the processing fee charged for paying an invoice in cash.

Further decline in number of branches

The number of bank branches serving personal customers totalled 1,319, representing a decline of about a hundred from the previous year (1,411). The number of customer terminals showed a similar decline.

The number of different service points providing banking services was as follows:

FIN-FSA considers that basic banking services are, as a rule, still readily available. On the other hand, the reduction of branches for personal customers and, for example, the restriction of cash services at branches may locally compromise the availability of banking services, particularly if the customer does not have access to a payment card or online banking. This is often the case for older customers, for example. FIN-FSA continues to actively monitor developments in the availability of services.

A bank may decline to provide basic banking services only if there is a weighty reason. As the most common reason for declining to open an account, banks cited insufficient documentation for identification of the customer. No incidents have come to FIN-FSA's attention where a bank has declined to provide basic banking services without a valid reason.

The most expensive way to pay an invoice is in cash over the counter

The pricing of basic banking services has changed in a majority of banks: about two thirds of banks have revised the pricing of their basic services since 1 March 2012, and about two thirds also disclosed price revisions already planned for after 1 March 2013. Most of the revisions were price increases, but some reductions had also been made.

For example, paying an invoice in cash at a bank branch most commonly cost EUR 6.00–6.49, against EUR 5.00–5.49 a year earlier. Although the highest fees for paying an invoice in cash were reduced from as much as EUR 12 the previous year to EUR 7–8, FIN-FSA still considers that a fee of EUR 7–8 may compromise the availability of basic banking services at a reasonable price.

Customers can also choose from several alternative and more affordable methods of paying invoices, such as online banking or a payment service envelope, although the prices for these services are also showing signs of increasing. Direct debit continues to be a free-of-charge way to pay an invoice in every bank.

The monthly fees charged for some payment cards, and in some cases also for online banking, have also risen.

Less than half of banks responding to the survey (115 banks) offered a service package including basic banking services, and its monthly price varied from zero to EUR 5.49 depending on the payment card selected. The most common price for a service package was EUR 2.50–2.99 per month.

The pricing of services depends to a considerable degree on different pricing models relating to the type of customer relationship. Most banks offer their customers different service packages whose pricing includes discounts, for example based on the concentration of personal finances or the customer's age.

Most commonly, the fees charged for basic banking services were as follows:

Service

Price 
2013,
euro

Price
2012,
euro

Account statement free free
Statement of
transactions from an ATM
0.50–0.99
/month
0.50–0.99
/month
Debit card (online)​ 2.00–2.49
/month
1.50-1.99
/month
Debit card ​1.50-1.99
/month
​1.50-1.99
/month
Payment of invoices
  • ​​In cash over
    the counter

 

6.00–6.49
/invoice

 

5.00–5.49
/invoice

  • ​​By credit transfer over the counter

3.50-3.99
/invoice

3.50-3.99
/invoice

  • ​By payment terminal

0.50–0.99
/invoice

0.50–0.99
/invoice

  • Online

2.70
/month

2.50
/month

  • Direct debit

free

free

  • Payment services envelope

1.00–1.49
/invoice

1.00–1.49
/invoice

Selection of ways to conduct one’s banking business

Banking customers can affect the costs of their banking services by their own choices. It therefore pays to compare the fees charged by banks for services, the availability and quality of the services provided and any other services potentially available, and choose the individually most appropriate way to conduct one’s banking business based on the comparison. It is also advisable to explore what kind of new possibilities for banking and service points outside bank branches are available, and at what prices these services are offered.

What are basic banking services?

Basic banking services refer to normal deposit accounts, account facilities (eg online debit card verifying the account balance in real time in connection with a transaction) and execution of payment orders. Basic banking services do not include, for example, accounts with an overdraft facility or credit cards.

A bank may decline to open an ordinary deposit account only if there is a weighty reason. The reason must relate to the customer or their previous behaviour, or that there is apparently no real need for the customer relationship. In addition, the Act on the Prevention and Clearing of Money Laundering may preclude the provision of basic banking services in some situations.

The right to basic banking services applies only to natural persons, not, for example, to companies or associations.

Annual review of basic banking services

Once a year, FIN-FSA conducts a review of basic banking services, with a particular eye to the availability and pricing of these services. One of the aims of the review is to ensure that customers’ right to basic banking services under section 134 of the Credit Institutions Act is realised in practice and that such realisation is not impaired by, for example, unfair pricing.

The review is based on both supervision observations and feedback received from the markets as well as a survey sent to deposit banks and branches of foreign credit institutions offering basic banking services. The survey is conducted annually on the basis of the situation in March. This year, a total of 272 banks responded.

2012

Decline in the number of personal customer bank branches, focus of attention on invoice payment fees

The Financial Supervisory Authority (FIN-FSA) conducted a survey on the availability and pricing of basic banking services. According to the survey, the number of personal customer bank branches and payment ATMs has declined, but basic banking services can still be accessed without difficulty. As for the pricing of services, FIN-FSA has paid attention to the fees some banks charge for payment of invoices in cash.

Decline in the number of personal customer bank branches may impair the availability of banking services in some localities

The number of personal customer bank branches and payment ATMs has declined, and cash services have been reduced in several personal bank branches where cash services are provided only during a part of the business day. Consequently, the availability of banking services may have weakened in those localities, particularly for customers who do not use online banking services or payment cards.

Payment of invoices in cash over the counter is the most expensive option

Some banks charge as much as EUR 7–12 for making an invoice payment in cash over the counter. Such a high fee endangers the customers' right to obtain basic banking services at a reasonable price, and therefore FIN-FSA recommends that banks adjust these prices. The fees for payment services or online services had not otherwise changed significantly compared to 2011, and the payment of invoices via direct debit is still free of charge.

Annual survey of basic banking services

FIN-FSA surveyed the availability and pricing of basic banking services as at the start of March 2012. A total of 282 banks responded to the survey. The previous survey directed at deposit banks providing basic banking services was carried out at the same time of the year 2011. Besides the survey responses, account was taken of other inspection observations on the availability and pricing of services, and feedback from the market.

One of the purposes of the survey on basic banking services is to ensure that customers’ rights to basic banking services under section 134 of the Credit Institutions Act are realised and that such realisation is not impaired by, for instance, unreasonable pricing. Basic banking services refer to normal deposit accounts, account facilities (one of each per person) and execution of payment orders. The right to basic banking services applies only to natural persons, not eg to companies or associations.

See also

For further information, please contact

  • Timo Peltonen, Head of Division, tel. +358 10 831 5551
2011, in Finnish

Asiakas voi usein vaikuttaa valinnoillaan peruspankkipalveluista maksamiinsa maksuihin

Finanssivalvonta arvioi vuosittaisen kyselyn avulla henkilöasiakkaille tarjottavien peruspankkipalveluiden hinnoittelua ja saatavuutta. Kyselyn lisäksi Finanssivalvonta saa tietoja pankkipalvelujen hinnoittelusta ja saatavuudesta pankkien asiakkailta ja useilta sidosryhmiltään.Uusimman kyselyn perusteella peruspankkipalveluita on edelleen hyvin saatavissa, vaikkakin laskunmaksuautomaattien määrä on vähentynyt ja käteisen rahan saantia on joissain pankkien toimipisteissä supistettu esimerkiksi tarjoamalla käteispalveluja vain joinakin viikonpäivinä tai tiettyyn kellonaikaan. Sen sijaan palvelumaksu laskun maksamisesta käteisellä pankin tiskillä voi joissakin tilanteissa muodostua kohtuuttomaksi.

Pankkikonttoreiden määrä ennallaan, laskunmaksuautomaattien määrä vähentynyt

Edelliseen kyselyyn verrattuna merkittävin muutos on asiakaspäätteiden ja erityisesti laskunmaksuautomaattien väheneminen. Toisaalta saataville on tullut uusia, pankkikonttorien ulkopuolisia asiointimahdollisuuksia ja palvelupisteitä. Pankkiasiointi on myös siirtynyt enenevässä määrin verkkopankkeihin, ja ostokset maksetaan yhä useammin käteisen rahan sijaan erilaisilla maksukorteilla. Käteisautomaattiverkosto on suhteellisen harva, mutta käteisautomaattien lukumäärä on säilynyt ennallaan useita vuosia. Myöskään pankkikonttoreiden lukumäärä ei ole muuttunut olennaisesti.

Erilaisia pankkipalveluja tarjoavia asiointipisteitä oli seuraavasti:

  • pankkikonttoreita 1 532
  • laskunmaksuautomaatteja 789
  • asiakaspäätteitä 1 263
  • käteisautomaatteja 1 690
  • muita palvelupisteitä 1 093

Finanssivalvonnan tietoon ei ole tullut peruspankkipalvelujen saatavuuteen liittyviä ongelmia taikka että peruspankkipalvelujen tarjoamisesta olisi perusteettomasti kieltäydytty. Peruspankkipalvelujen voidaankin katsoa olevan edelleen hyvin asiakkaiden saatavilla.

Kallein laskunmaksutapa on käteismaksu pankin tiskillä

Kyselyyn vastanneista pankeista noin puolet ilmoitti hintoihin tulleen korotuksia 1.3.2010 jälkeen (56 % eli164 pankkia). Muutokset koskivat pääosin erilaisten korttien hinnoittelua.

Laskun maksaminen suoraveloituksena oli edelleen kaikissa pankeissa maksuton. Muutoin edullisin laskunmaksutapa oli verkkopankki, jonka yleisin kuukausimaksu oli 2,50 euroa. Peruspankkipalvelut sisältävä palvelupaketti oli palveluvalikoimassa yli puolella selvitykseen vastanneista pankeista (54 % eli 157 pankilla), ja palvelupaketin kuukausihinta vaihteli maksuttomasta 5,00 euroon pakettiin valitusta kortista riippuen. Palvelujen hinnoitteluun voivat vaikuttaa huomattavasti erilaiset kanta-asiakasohjelmat ja asiakasryhmäkohtaiset paketit.

Kallein laskunmaksutapa oli yhä maksaminen käteisellä pankin konttorissa: sen hinta oli enimmillään oman pankin konttorissa 7,00 euroa ja vieraan pankin konttorissa 8,00 euroa laskulta. Finanssivalvonta arvioi 7,00–8,00 euron palvelumaksun laskun käteismaksusta voivan muodostua joissakin tilanteissa kohtuuttomaksi.  Finanssivalvonta julkaisee palvelumaksuista valvottavatiedotteen ja kiinnittää muutamien pankkien huomiota palvelumaksun mahdolliseen kohtuuttomuuteen. Vaihtoehtoisia, asiakkaan kannalta edullisempia laskunmaksutapoja on kuitenkin tarjolla (esimerkiksi verkkopankki, maksupalvelu ja suoraveloitus). Asiakkaiden kannattaa itse aktiivisesti selvittää ja vertailla tarjolla olevia palveluja.

Pankkipalveluista veloitettavat maksut olivat yleisimmin:

Palvelu

Hinta 2011

Tiliote maksuton
Tapahtumakysely automaatilla​ 0,50–0,99 euroa/kysely
Automaattikortti 0,50–0,99 euroa/kk
Pankkikortti 1,50-1,99 euroa/kk
Visa Electron tms. 1,50-1,99 euroa/kk
Laskunmaksu
  • ​konttorissa käteisellä

 

5,00–5,49 euroa/lasku

  • ​​konttorissa tilisiirtona

3,50-3,99 euroa/lasku

  • ​maksuautomaatilla

0,50–0,99 euroa/lasku

  • verkkopalvelussa

2,50 euroa/kk

  • puhelinpalveluna

5,00 euroa/lasku

  • suoraveloituksena

maksuton

  • maksupalveluna

1,00-1,49 euroa/lasku

Euroopan komissio on antanut suosituksen tavanomaisista maksutileistä

Euroopan komissio on antanut kuluvan vuoden heinäkuussa tavanomaista maksutiliä koskevan suosituksen. Asiakkaan näkökulmasta suositus ei aiheuta Suomessa olennaisia muutoksia peruspankkipalveluihin, joiden saanti on jo turvattu lainsäädännöllä. Suositus kuitenkin asettaa jäsenvaltioille velvoitteen määritellä kohtuuhintaisen palvelumaksun suuruus suosituksessa esitettyjen kriteerien pohjalta.

Mitkä peruspankkipalvelut?

Peruspankkipalveluilla tarkoitetaan tavanomaista talletustiliä, tilinkäyttövälinettä (esimerkiksi ns. on-line debit-korttia) sekä maksutoimeksiantojen hoitamista. Peruspankkipalveluita eivät ole esimerkiksi luotolliset tilit tai erilaiset luottokortit.

Pankki voi kieltäytyä avaamasta tavanomaista talletustiliä vain, jos kieltäytymiselle on painava peruste. Perusteen tulee liittyä asiakkaaseen tai hänen aiempaan käyttäytymiseensä taikka siihen, ettei asiakassuhteelle ilmeisesti ole todellista tarvetta (esimerkiksi asiakkaalla on jo tili toisessa pankissa). Myös rahanpesun estämisestä ja selvittämisestä annettu laki saattaa estää peruspankkipalvelujen tarjoamisen joissakin tilanteissa.

Oikeus peruspankkipalveluihin koskee vain luonnollista henkilöä, ei sen sijaan esimerkiksi yrityksiä tai yhdistyksiä.

Vuosittainen selvitys peruspankkipalveluista

Finanssivalvonta tekee kerran vuodessa pankkipalveluita koskevan kyselyn peruspankkipalveluja tarjoaville talletuspankeille ja ulkomaisten luottolaitosten sivukonttoreille. Kyselyn avulla seurataan erityisesti peruspankkipalveluiden hinnoittelua ja saatavuutta. Selvityksen yhtenä tavoitteena on varmistua siitä, että luottolaitoslain 134 §:ssä säädetty asiakkaan oikeus peruspankkipalveluihin toteutuu eikä säännöksen tuoman oikeuden toteutumista vaikeuteta esimerkiksi kohtuuttomalla hinnoittelulla.

Kysely tehdään vuosittain maaliskuun alun tilanteesta. Kuluvan vuoden kyselyyn vastasi yhteensä 292 pankkia. Kyselytutkimuksen lisäksi selvityksessä on otettu huomioon myös muut saatavuutta ja hinnoittelua koskevat valvontahavainnot sekä markkinoilta saatu palaute.

Lisätietoja antaa

  • toimistopäällikkö Timo Peltonen, puhelin 010 831 5551
2010

Availability of basic banking services as before, no major changes in pricing

According to the view of the Financial Supervisory Authority (FIN-FSA), basic banking services continue to be readily available, and there have been no major changes in pricing, compared with 2009.

A comparison with the previous survey does not reveal any essential changes or problems in the availability of services. FIN-FSA has no knowledge of unfounded refusals to provide services.

Some minor price increases

About 68% of the respondents, ie deposit banks providing basic banking services, reported price increases during the period under review. However, the increases usually affected certain individual products. Most increases have occurred in fees for Visa Electron and bank cards. Price increases may reflect an effort to guide customers towards opting for new types of payment cards compliant with the Single European Payments Area (SEPA).

All banks still provide free payment of bills through direct debit. Otherwise, online payment continues to be the most favourable alternative for payment of bills, and the usual monthly fee is EUR 2.50. Payment of bills in cash over the counter is still the most expensive alternative. The highest price for cash payment at the customer’s own bank branch was EUR 7.00 per invoice.

A total of 148 banks, ie slightly below 50% of deposit banks that responded to the enquiry, include a basic banking service package in their service. The monthly fee for the package ranges from EUR 0.00 to EUR 5.00, depending on the card linked to the package.

Most common prices

Service

Price 2010,
euro

Account statement free
Statement of
transactions from an ATM
0.50/month
ATM card 1.00/month
Bank card​ 1.10-1.50/month
Visa Electron etc ​1.10-1.50/month
Payment of bills
  • ​​In cash over
    the counter

 

4.60-5.00/invoice

  • ​​By credit transfer over the counter

3.10-3.50/invoice

  • ​By payment terminal

0.60–1.00/invoice

  • Online

2.50/month

  • By phone

0-5.00

  • Direct debit

free

  • By standing order

1.10-1.50/invoice

Number of offices and devices

  • bank offices 1,524
  • payment terminals 1,253
  • customer terminals 1,372
  • ATMs (Otto and Nosto) 1,707

FIN-FSA surveyed the availability and prices of basic banking services as at the start of March 2010. The previous enquiry directed at deposit banks providing basic banking services was carried out at the corresponding time in 2009. Besides the enquiry responses, account was also taken of other inspection observations on the availability and pricing of services, and feedback from the market.

One of the purposes of the survey on basic banking services is to ensure that customers’ rights to basic banking services under section 134 of the Credit Institutions Act are realised and that such realisation is not impaired by, for example, unfair pricing. Basic banking services refer to normal deposit accounts, account facilities and execution of payment orders. The right to basic banking services applies only to natural persons, not eg to companies or associations.

2009

Prices and availability of basic banking services unchanged

According to the Financial Supervisory Authority (FIN-FSA), the availability of basic banking services is still good and no significant changes have occurred in the prices. Presently basic banking services are supplied in various packages for regular customers and comprising several services, which may affect the prices of the services and the transparency and comparability of pricing.  

Compared to the previous survey, no significant changes in the availability have occurred and neither have problems with availability been observed in any other sense. FIN-FSA has not heard of any groundless refusal to supply services.

Prices broadly unchanged

Also, there have been no major changes in the pricing compared to the previous survey in 2008. Mostly rises have occurred in, for example, monthly fees for additional Visa cards and some individual fees. All banks still provide free payment of bills through direct debit. Apart from that, online payment is the most favourable alternative for payment of bills and the monthly fee is usually EUR 2.50. Payment of bills in cash over the counter is still the most expensive alternative. The highest price for cash payment was EUR 6.60–7.00 per invoice.

Most common prices

Service

Price 2009,
euro

Account statement free
Statement of
transactions from an ATM
0.50/month
ATM card 0.60-1.00/month
Bank card​ 0.60-1.00/month
Visa Electron etc ​0.60-1.00/month
Payment of bills
  • ​​In cash over
    the counter

 

4.60-5.00/invoice

  • ​​By credit transfer over the counter

2.60-3.00/invoice

  • ​By payment terminal

0.60–1.00/invoice

  • Online

2.10.-2.50/month

  • By phone

3.60-4.00

  • Direct debit

free

  • By standing order

0.60-1.00/invoice

Number of offices and devices

  • bank offices 1,552
  • payment terminals 1,436
  • customer terminals 1,405
  • ATMs 1,650

FIN-FSA studied the availability and prices of basic banking services on the basis of the situation at the beginning of March 2009. The previous enquiry directed to deposit banks providing basic banking services was carried out at the corresponding time 2008. Not only were the enquiry responses considered in the survey but also inspection observations on the availability of services and the pricing of them as well as feedback from the market.

One purpose of the survey on basic banking services is to ensure that customer rights to such services according to section 134 of the Credit Institutions Act are implemented and that the implementation is not impaired through, for example, discriminating pricing.  Basic banking services refer to normal deposit accounts, account facilities and execution of payment orders. The rights to basic banking services concern only natural persons but do not, by contrast, comprise, for example, companies and associations.

2007, in Finnish

Pankkipalveluja edelleen hyvin saatavilla ja palvelujen hintataso kohtuullinen

Rahoitustarkastus (nykyinen Finanssivalvonta) selvitti peruspankkipalvelujen hinnoittelua ja saatavuutta vuoden 2007 maaliskuun alun tilanteesta. Edellinen kysely peruspankkipalveluja tarjoaville talletuspankeille tehtiin vuoden 2006 heinäkuussa. Kyselytutkimuksen lisäksi selvityksessä on otettu huomioon myös muut saatavuutta ja hinnoittelua koskevat valvontahavainnot sekä markkinoilta saatu palaute.

Peruspankkipalveluja koskevan selvityksen yhtenä tavoitteena on varmistua siitä, että luottolaitoslain 134 §:ssä säädetty asiakkaan oikeus peruspankkipalveluihin toteutuu eikä säännöksen tuoman oikeuden toteutumista vaikeuteta esim. kohtuuttomalla hinnoittelulla. Peruspankkipalveluilla tarkoitetaan tavanomaista talletustiliä, tilinkäyttövälineitä sekä maksutoimeksiantojen hoitamista. Oikeus peruspankkipalveluihin koskee vain luonnollista henkilöä, ei sen sijaan esimerkiksi yrityksiä tai yhdistyksiä.

Hinnoittelusta

Edelliseen selvitykseen verrattuna hinnoissa on tapahtunut jonkin verran muutoksia, jotka pääsääntöisesti olivat pieniä korotuksia. Tililtäotto omalta tililtä samoin kuin tilillepano omalle tilille omassa konttorissa sekä laskun maksaminen suoraveloituksena ovat edelleen maksuttomia palveluja. Kallein peruspankkipalvelu on laskun maksaminen käteisellä pankin konttorissa ja korkein hinta oli 6,10–6,50 euroa/lasku. Oheisesta taulukosta ilmenevät palveluista yleisimmin veloitetut hinnat.

Fivan käsityksen mukaan peruspankkipalveluja on edelleen saatavissa kohtuulliseen hintaan. Vaikka yksittäistä maksua olisi jossain tapauksissa pidettävä suurena, on otettava huomioon, että vaihtoehtoisia edullisempia toimintatapoja on olemassa. Laskunmaksun osalta on edelleen tarjolla useita vaihtoehtoja, joista suoraveloitus on kaikilla pankeilla maksuton. Lisäksi useilla pankeilla on palvelupaketteja erityisryhmille kuten nuorille ja senioreille.

Yleisimmin veloitetut palveluhinnat 1.3.2007

Palvelu

Hinta 2007

Pankit kpl

 

Tiliote maksuton 285
Tapahtumakysely automaatilla​ 0,50 euroa/kysely 203
Automaattikortti 0,60-1,00 euro/kk 167
Pankkikortti 0,60-1,00 euroa/kk 191
Visa Electron -kortti tms. 0,60-1,00 euroa/kk 226
Laskunmaksu
  • ​konttorissa käteisellä

 

4,60-5,00 euroa/lasku

 

110

  • ​​konttorissa tilisiirtona

2,60-3,00 euroa/lasku

142

  • ​maksuautomaatilla

0,60–1,00 euroa/lasku

147

  • verkkopalveluna

2,10-2,50 euroa/kk

 

  • puhelinpalveluna

maksuton

61

  • suoraveloituksena

maksuton

kaikki

  • maksupalveluna

0,60-1,00 euroa/lasku

187

Palvelujen saatavuudesta

Myös palvelujen saatavuuteen on tullut jonkin verran muutoksia edellisen selvityksen jälkeen. Konttoriverkostoa on joillakin pankeilla supistettu ja joillakin laajennettu. Asiakkaiden käytössä olevien päätteiden määrä on pysynyt jokseenkin ennallaan. Käteisautomaattien lukumäärä on jonkin verran laskenut. Suoraveloituksen osuus laskunmaksutavoista on hiukan kasvanut.

Palveluiden saatavuus 1.3.2007

Yhteensä noin kpl (lukumäärät perustuvat kyselyyn vastanneiden tietoihin):

  • Konttoreita, jotka tarjoavat palveluja henkilöasiakkaille 1 501
  • Laskunmaksuautomaatteja 1 526
  • Asiakaspäätteitä 1 446
  • Käteisautomaatteja 1 650

Johtopäätös

Fivan käsityksen mukaan (perus)pankkipalveluja on edelleen hyvin saatavilla ja palvelujen hintataso on kohtuullinen. Myöskään yksittäisiä hintaylilyöntejä Fivan tietoon ei ole tullut.

Fiva pitää myös tärkeänä, että asiakkaat itse ovat aktiivisia valitessaan palveluja ja palveluntarjoajia ja toivoo, että tämä selvitys osaltaan auttaa siinä.

2006, in Finnish

Peruspankkipalveluja edelleen hyvin saatavilla 

Ratan tekemän selvityksen mukaan peruspankkipalveluja on edelleen hyvin saatavilla. Palvelujen hintataso on Ratan käsityksen mukaan kohtuullinen, vaikkakin hinnat ovat jonkin verran muuttuneet edellisestä selvityksestä eli heinäkuusta 2005.

Tilinkäyttövälineeksi automaattikorttien tilalle näyttää yhä enenevässä määrin tulevan on-line-tilinkäyttöväline (yleensä Visa Electron), joka toimii myös maksukorttina.

Kaikilla pankeilla ei vielä ole palveluhinnastoa pankin kotisivulla. Rata tulee kiinnittämään pankkien huomiota siihen, että tämä puute korjataan mahdollisimman pikaisesti, jotta pankkipalveluiden hintavertailu helpottuisi.

Peruspankkipalvelujen saatavuutta ja hinnoittelua selvitettiin kyselytutkimuksella, joka perustui tammikuun 2006 tilanteeseen. Selvityksessä otettiin huomioon myös palvelujen saatavuutta ja hinnoittelua koskevat valvontahavainnot sekä markkinoilta saatu palaute. Edellisen tutkimuksen Rata teki heinäkuun 2005 tilanteesta.

Palveluiden hinnat nousseet hieman

Ratan edelliseen selvitykseen verrattuna peruspankkipalveluiden hinnat ovat jonkin verran muuttuneet. Muutokset olivat pääsääntöisesti pieniä korotuksia.

Maksuttomia palveluita ovat edelleen tililtäotto omalta tililtä, tilillepano omalle tilille omassa konttorissa sekä laskun maksaminen suoraveloituksena. Kallein peruspankkipalvelu on laskun maksaminen käteisellä pankin konttorissa: korkein hinta oli 6 euroa.

Ratan käsityksen mukaan peruspankkipalveluja on edelleen saatavissa kohtuulliseen hintaan. Vaikka yksittäistä maksua olisi joissain tapauksissa pidettävä suurena, on otettava huomioon, että vaihtoehtoisia edullisempia toimintatapoja on olemassa. Laskujen maksuun on edelleen tarjolla useita vaihtoehtoja. Esimerkiksi suoraveloitus on kaikilla pankeilla maksuton. Toinen vaihtoehto on maksupalvelu, jonka yleisin hinta on 0,60 - 1 euroa laskulta. Maksupalvelun kuukausiveloitus vaihtelee joillakin pankeilla 2 - 5 euroon. Lisäksi useilla pankeilla on palvelupaketteja erityisryhmille kuten nuorille ja senioreille.

Itsepalvelupisteitä aikaisempaa enemmän, mutta pankkikonttoreita vähemmän

Myös palvelujen saatavuus on muuttunut jonkin verran edellisestä selvityksestä. Joidenkin pankkien konttoriverkosto on supistunut ja joidenkin puolestaan laajentunut.

Pankkikonttoreiden kokonaislukumäärä on hiukan supistunut. Laskunmaksuautomaattien määrä on edelleen laskenut, mutta vastaavasti itsepalvelupisteiden määrä on kasvanut voimakkaasti. Käteisautomaattien lukumäärä on pysynyt ennallaan.

Mitä tarkoitetaan peruspankkipalveluilla?

Peruspankkipalveluilla tarkoitetaan tavanomaista talletustiliä, tilinkäyttövälineitä sekä maksutoimeksiantojen hoitamista. On huomattava, että luottolaitostoiminnasta annetun lain 50 a pykälässä tarkoitettu asiakkaan oikeus peruspankkipalveluihin koskee vain luonnollista henkilöä. Se ei sen sijaan koske esimerkiksi yrityksiä tai yhdistyksiä.

Lisätietoja antavat

  • lakimies Raija Railas, puhelin 010 831 5235 (30.6.2006 saakka)
  • lakimies Ilse Lampela, puhelin 010 831 5292 (3.7.2006 lähtien)

Liitteet

Appendix

2005, in Finnish

Peruspankkipalveluiden hinnoittelu kohtuullista, saatavuudessa ei muutoksia

Ratan selvityksen mukaan peruspankkipalvelujen hinnoittelu on keskimäärin kohtuullista eikä se ole muuttunut olennaisesti syksystä 2004. Myöskään peruspankkipalvelujen saatavuus ei ole muuttunut viimevuotisesta. Pankkipalvelujen saatavuutta ja hinnoittelua selvitettiin peruspankkipalveluja tarjoaville talletuspankeille tehdyllä kyselyllä. Hinnoittelua ja saatavuutta seurataan säännöllisin väliajoin. Edellinen selvitys tehtiin syksyllä 2004.

Peruspankkipalveluita ovat tavanomainen talletustili (ns. käyttelytili), tilinkäyttövälineet (automaatti- tai pankkikortti) sekä maksutoimeksiantojen hoitaminen.

Rahoitustarkastus voi tarvittaessa puuttua myös muuhun kuin peruspankkipalveluja koskevaan hinnoitteluun. Rata puuttuu tarpeen vaatiessa yksittäiseenkin hinnoitteluun, jos joku sen valvottava joko poikkeaa säännönmukaisesti tai olennaisesti vallitsevasta hintatasosta ilman erityistä perustetta. Tällöin Rata ensisijaisesti keskustelee valvottavan kanssa hinnoittelun perusteista.

Peruspankkipalveluiden hinnat yhä kohtuulliset

Selvityksen mukaan peruspankkipalvelujen hinnoittelu on keskimäärin kohtuullisella tasolla. Hinnoittelu ei ole selvityksen mukaan muuttunut olennaisesti vuodessa. Selvästi kalleinta on edelleen laskun maksaminen käteisellä pankin konttorissa kassapalveluna. Laskun maksamiselle on kuitenkin myös vaihtoehtoisia tapoja. Niistä esimerkiksi suoraveloitus on kaikissa pankeissa ilmaista, ja maksupalvelun hinta on 0–2 euroa/lasku.

Muiden peruspankkipalvelujen hinnat vaihtelevat ja ovat 0–3 euroa. Nosto omalta tililtä ja pano omalle tilille konttorissa ovat kaikissa pankeissa maksuttomia. Joillakin pankeilla on valikoimissaan ns. peruspankkipalvelut sisältävä palvelupaketti, jonka hinta vaihtelee välillä 0–2,90 euroa.

Myös erityisryhmille, jotka eivät pysty käyttämään esimerkiksi verkkopankkipalveluita, on tarjolla konttorissa asioimisen sijasta palveluvaihtoehtoja (suoraveloitus, maksupalvelu). Nämä palvelut ovat huomattavasti edullisempia kuin henkilökohtainen asiointi pankin konttorissa.

Peruspankkipalveluiden saatavuudessa ei merkittäviä muutoksia

Selvityksen mukaan palveluiden saatavuus ei ole muuttunut merkittävästi kuluneen vuoden aikana.

Pankeilla on yhteensä noin 1 640 henkilöasiakaskonttoria. Useilla pankeilla on lisäksi esimerkiksi kauppakeskuksissa palvelupisteitä, joista on saatavissa joitakin pankkipalveluja, mutta ei yleensä käteispalveluja. Laskunmaksuautomaatteja on yhteensä noin 1 800, eli niiden määrä on jonkin verran vähentynyt. Osa laskunmaksuautomaateista on korvattu asiakaspäätteillä, joita pankeilla on yhteensä noin 1 600. Käteistä rahaa voi nostaa 1 700 ottoautomaattipisteestä.

Lukumäärät eivät sinänsä suoraan osoita, että pankkipalveluja olisi saatavilla tasaisesti ympäri maata. Rahoitustarkastukselle ei kuitenkaan ole tullut yhteydenottoja, joissa olisi kerrottu palvelun puuttumisesta. Tämä johtunee siitä, että yhä useampi asiakas haluaa hoitaa päivittäiset raha-asiansa Internetin välityksellä itselleen parhaiten sopivana aikana. Samoin se johtunee siitä, että pankkikortilla tehtyjen ostosten määrä on edelleen kasvussa.

Lisätietoja antaa

  • lakimies Ilse Lampela, puhelin 010 831 5292

Liite

Appendix