Spurring receipts from fees levied to clients for daily operations has been bankers’ main objective in the past two years, as plummeting loan sales have pushed them to seek alternative income sources.
Hence the situation where someone trying to deposit a small sum,
of 3 or 5 RON, will find there is nothing left to withdraw from the
bank.
Taxes for withdrawing cash at the banking desk go even as high as 6
RON per operation. The option of letting money “work” at the bank
is no longer good, as account management is taxed by 1-3 RON. At
the end of the year, clients may be happy if the bank closes their
accounts for free, as they are short of available cash and have
done no more operations, being considered inactive.
New fees have emerged in recent years, with cash operations mainly
targeted. Now, no bank allows cash withdrawal at the desk without
levying a fee, and some players have come to tax even cash
depositing or the payment of bills at the desk.
Bankers account for the levy of taxes on operations carried out at
the desk by the costs they imply. From operating the agency, to
paying personnel and keeping cash in the cash register, all of
these are reflected in the value of fees.