Europejski Urząd Nadzoru Bankowego, Przegląd tematyczny - przejrzystość i poziom opłat i prowizji za produkty bankowości detalicznej

EBA/REP/2022/31

DECEMBER 2022

THEMATIC REVIEW ON THE TRANSPARENCY AND LEVEL OF FEES AND CHARGES FOR RETAIL BANKING PRODUCTS

Executive summary

In order to fulfil its mandate under Article 9 of its Founding Regulation to, inter alia, collect, analyse and report on consumer trends, such as the development of costs and charges of said products, the European Banking Authority (EBA), publishes a biennial Consumer Trends Report (CTR). The EBA repeatedly, and across several editions of its biennial CTRs, identified the level of fees and charges, including the lack of transparency thereof, as one of the topical issues that causes greatest detriment to consumers in the European Union (EU).

The concepts and terms related to fees and charges vary across jurisdictions and across institutions, and reliable data is difficult to ascertain. Comparisons are therefore challenging to make and robust conclusions difficult to arrive at. However, this thematic review represents a first attempt to gauge the...