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by Arcanum-XIII
32 days ago
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In reply to .3: bancontact is nearly free per operation, but credit card were percentage heavy fee per transaction... That's why. And don't forget that the Netherlands, Belgium and Luxembourg will prefer debit over credit for payment. Don't forget that the banking world is still under a lot of pressure from the various government (systemic risk assessment for example) and the stakeholders. It's a mess! |
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Suppose you have a double Debit/Credit card issued in Poland and you're doing typical shopping for €10 on your way home. You use your card, it presents itself as a debit card, which means that the maximum transaction fee is capped at 0,2% as per EU regulation in effect since mid-2015, so you're paying whole two cents for that transaction. Truly life-changing amount of wealth.
Suppose that you're average Johan and your net salary is €2830. Let's assume that half of that is spent on various types of shopping - this means you spend €1415 a month, which means that each month the card company takes €2,83 from you. I don't know what about you, but if I had €2,83 extra each month, I'd immediately feel ultra-rich.
My Dutch bank account costs €4,30 while my Polish bank accounts are free.
You might say "but anal_reactor, what if tragedy happens and the card shows itself as a credit card, not a debit card?"
I have to admit, you have a point. These fees can be 50% higher capped at 0,3% which means that such average Johan would spend €4,25 on card fees each month. As we all know, €4,25 is more than €4,30 by "negative five cents".
I'm sorry, but if "credit cards are expensive" is your best argument against dual Debit/Credit cards working in NL then you are truly retarded and god be my witness I'm stating this as a fact, not an insult.