This case describes the transfer of CHF 540 from Spain to Switzerland. My brother-in-law tries to transfer this amount to me through his bank, in this case ing.es, Spanish subsidiary of a large bank based in Holland.
This transfer is carried out on 6 February 2020 by the services of this bank. On 7 February I receive on my UBS bank account only 528 !
I contact my brother-in-law and he confirms that he has paid another 27 € in commissions, making a total of 39 € in fees for a transfer of 540 CHF (i.e. 7.22%).
- How is it possible to tax a simple transfer in Europe so much?
- Why hasn't my brother-in-law been referred to a SEPA transfer that only costs €1?
- What happened to the missing 12 CHF on arrival? (it wasn't UBS that took it from me!)
- How is it possible to be robbed by a bank in this day and age without having answers to these questions?
History of the facts:
29 February 2020: Seeing that the bank has a Twitter account, I try to contact them through it.
Good point, they respond quickly and give me a way to contact them by email. I write them an email on March 1st explaining my situation and after a few days, I ask them where things stand:
Well... it seems I have to wait 2 months for an answer. However, the email I sent was read on March 2nd.
On 25th May I send my email back to Spain.
On the 18th of June I try with the head office by sending my email in English directly to Holland.
On the 2nd of July I receive an answer... in Dutch !!!
As COVID-19 is involved, I wait another 2 months. Then I start to get impatient by sending a last email to Spain and then also on Twitter:
I explain my case to them once again and tell them that I still don't have an answer from them:
And here is their answer:
So it would seem that I should never receive an answer by email, it's nice of you to tell me after 5 months of waiting!
Yet the question is simple, it is a question of understanding why it is possible to be robbed so much for a simple electronic transfer. It's as if the transfer is still done in a horse-drawn carriage!
So they cannot confirm an official paper issued by their own bank?
Despite countless contacts with this bank, I still don't have any answers to these questions.
I therefore accuse this bank of stealing from me until I have satisfactory answers to these questions.