歐盟成員國居民可在任意成員國銀行開戶 且享受“後悔期”
歐盟委員會計劃推出一項新政，允許所有成員國的居民在任意成員國的銀行開設基礎賬戶；同時，歐盟委員會還希望各家銀行允許儲戶在比較收費細則後能在規定的時間內免費更換開戶行。新政將要求銀行爲儲戶提供基礎服務收費細則及過去12個月收取的各項費用明細，儲戶對比不同銀行的收費規定後可在15天內在本國各銀行間辦理轉戶，30天內可在歐盟成員國各銀行間免費辦理轉戶。目前，英國已有政策允許儲戶在7個工作日內免費在本國銀行間辦理轉戶。據估計，歐盟各國15歲以上的消費者中有5800萬沒有付款賬戶。歐盟希望通過此舉減少沒有銀行賬戶的人數，同時激勵銀行提供更好的服務並降低收費。
European residents will have the right to open a basic bank account in any country of the EU and compare the fees charged by providers, under new plans.
The European Commission is outlining proposals to make it easier for customers to compare charges and switch to another bank.
At present, many consumers find it difficult to open an account in another EU country where they are not resident.
The Commission also hopes to reduce the numbers who do not have accounts.
It estimates that about 58 million consumers across the EU, aged over 15, do not have a payment account. The levels vary hugely across different states of the EU.
Only France, Belgium and Italy have laws in place that ensure people have access to a basic bank account in line with the proposals.
The plans would mean anyone could open an account, even if they have been made bankrupt or unemployed, with at least one provider. This would allow them to perform basic operations such as to receive their salary, pensions and benefits, or to pay utility bills.
The Commission also wants banks to send information to customers that lists the fees for common services, and the charges that have been levied in the previous 12 months.
It also plans to set down rules that ensure an account is switched for free within 15 days between providers in the same country. The UK is already going further, with a speedier seven working-day switching plan.
The Commission wants to see free switching between providers in different EU countries to take place within 30 days.
"By making it easier to compare fees and change bank accounts, we also hope to see better offers from banks and lower costs," said EU Internal Market Commissioner Michel Barnier.
