{"id":184909,"date":"2026-03-08T12:37:14","date_gmt":"2026-03-08T12:37:14","guid":{"rendered":"https:\/\/www.europesays.com\/se\/184909\/"},"modified":"2026-03-08T12:37:14","modified_gmt":"2026-03-08T12:37:14","slug":"nya-eu-regler-nu-slipper-du-bankernas-dolda-avgifter","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/se\/184909\/","title":{"rendered":"Nya EU-regler: Nu slipper du bankernas dolda avgifter"},"content":{"rendered":"<p>Syftet med reglerna \u00e4r bland annat att st\u00e4rka s\u00e4kerheten vid digitala betalningar och f\u00f6rb\u00e4ttra konsumentskyddet mot bedr\u00e4gerier. Samtidigt ska de tvinga banker och andra finansiella akt\u00f6rer att bli tydligare med vilka avgifter kunder faktiskt betalar vid internationella \u00f6verf\u00f6ringar.<\/p>\n<p>\u201dBanker kan inte l\u00e4ngre d\u00f6lja kostnader i v\u00e4xelkursmarginalen\u201d, s\u00e4ger <strong>Magali Van Bulck<\/strong>, chef f\u00f6r EMEA Public Affairs p\u00e5 finanstj\u00e4nstebolaget Wise till nederl\u00e4ndska <a href=\"https:\/\/businessam.be\/nieuwe-europese-regel-banken-transparant-communiceren-kosten-internationale-betalingen\/\" rel=\"nofollow noopener\" target=\"_blank\">Business AM.<\/a><\/p>\n<p>Avgifter d\u00f6ljs i v\u00e4xelkursen<\/p>\n<p>N\u00e4r kunder g\u00f6r en internationell betalning tar banken vanligtvis ut en synlig transaktionsavgift. Men den avgiften ber\u00e4ttar inte alltid hela historien.<\/p>\n<p>Van Bulck menar att m\u00e5nga banker f\u00f6rst redovisar alla kostnader efter att betalningen redan har genomf\u00f6rts. Dessutom g\u00f6ms ofta ytterligare kostnader i sj\u00e4lva v\u00e4xelkursen.<\/p>\n<p>\u201dFinansinstitut anv\u00e4nder ofta en v\u00e4xelkurs som \u00e4r n\u00e5gra procent s\u00e4mre \u00e4n den som visas p\u00e5 till exempel Google. Skillnaden beh\u00e5ller banken sj\u00e4lv\u201d, f\u00f6rklarar hon.<\/p>\n<p>En rapport fr\u00e5n Wise uppskattar att konsumenter och f\u00f6retag i G20-l\u00e4nderna f\u00f6rlorade motsvarande 230 miljarder euro under f\u00f6rra \u00e5ret p\u00e5 grund av dolda v\u00e4xelkurskostnader. I Europa ber\u00e4knas f\u00f6rlusterna uppg\u00e5 till cirka 54 miljarder euro, varav 6,7 miljarder euro i Nederl\u00e4nderna och 4 miljarder euro i Belgien.<\/p>\n","protected":false},"excerpt":{"rendered":"Syftet med reglerna \u00e4r bland annat att st\u00e4rka s\u00e4kerheten vid digitala betalningar och f\u00f6rb\u00e4ttra konsumentskyddet mot bedr\u00e4gerier. Samtidigt&hellip;\n","protected":false},"author":2,"featured_media":184910,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[65],"tags":[4408,12606,72,70,71,73,15916,34,31,33,32,30],"class_list":["post-184909","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomi","tag-avgifter","tag-banker","tag-business","tag-economy","tag-ekonomi","tag-eu","tag-eu-regler","tag-se","tag-svenska","tag-sverige","tag-sweden","tag-swedish"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/116193594256877387","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/184909","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=184909"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/184909\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/184910"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=184909"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=184909"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=184909"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}