Arrancar una vida financiera desde cero no es una tarea que se deba pasar a la ligera, pues es necesario tener un conocimiento claro de cómo puede tener un servicio bancario que responda a sus necesidades en corto, mediano y largo plazo.
Así las cosas, no se pueden pasar desapercibidos los servicios que una entidad financiera le puede ofrecer. Pese a que la Superintendencia Financiera de Colombia obliga a estas entidades a publicar los costos actualizados de sus productos y servicios, en el primer semestre del 2023, los colombianos radicaron 500.000 quejas en las entidades bancarias, siendo los costos que muchas veces no identifican los usuarios y pagan a las entidades tradicionales, una de las principales razones de la inconformidad.
Dentro de dichos costos se encuentran cobros indebidos como comisiones por mantenimiento de cuenta, comisiones por transacciones, intereses por deudas, comisiones por tarjetas de crédito, comisiones por envío y recepción de remesas, comisiones de cambio de moneda, comisiones por compras en línea, comisiones por el uso de tarjetas de crédito en línea y comisiones por transacciones internacionales.
De los datos de consulta de tarifas publicadas en la página oficial de la Superfinanciera, estas son las tarifas establecidas para estos productos:
– Cuota de manejo de cuenta de ahorros ($0 – $16.500): cinco bancos del país realizan un cobro de cuota de manejo de cuenta de ahorros, los montos van desde $9.580 hasta los $16.500.
– Cuota de manejo de tarjeta débito ($0 – $ 22.000): de 29 entidades en el país con tarjeta débito asociada a cuenta de ahorro, 20 realizan cobros de cuota de manejo que van desde los $7.500 hasta los $22.000.
– Consignación nacional ($0 – $20.300): los bancos pueden cobrar una comisión por cada envío de dinero. Esta comisión puede variar entre $10.000 y $12.000 pesos colombianos, dependiendo del destino, el monto enviado y el tipo de cuenta del remitente.
– Consulta de saldo en un cajero de otra entidad ($0 – $12.300): 13 bancos no lo cobran, otros cinco bancos realizan cobro por consulta desde $2.000 hasta $2.450.
– Solicitud de certificación bancaria ($0 – $15.827): Actualmente existen 8 establecimientos bancarios que cobran por este servicio. Los montos van desde $7.140 hasta $15.827.
Si se hace la correlación con los valores anteriores, un colombiano estaría pagando un promedio de $705.600 al año a su entidad bancaria sin estar enterado, en comisiones que pueden variar según el banco.
Por lo tanto, tenga presente que, dependiendo de la entidad financiera a la cual usted esté adscrito, estas tarifas pueden variar. Así las cosas, si tiene conocimiento de los precios que se manejan, podrá identificar más fácilmente si le están haciendo un cobro indebido.
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