3 years ago
Here, savers are attracted via an offer of clearly...
Here, savers are attracted via an offer of clearly higher interest rates than they have in another bank. When Skandiabanken has received many new customers in this way, the interest rate is gradually reduced. You trust the "inertia" of especially older people when it comes to changing banks again, and you lower in small steps to "irritate" as little as possible. Finally, one is as bad or worse than other banks in terms of savings rates.
In addition, this bank has been boasting for many years with a large portion of system errors that have affected and affected many. (Mentioned on SVT news some time ago) Tex. With their Visa cards linked to this bank, many have been told the excuses "are not allowed" even though there is enough money on the connected account. Not a few have been left without gasoline in the middle of the night at an unmanned station. This happened within our family several times recently. Promises that there are temporary problems are not kept.
Not only that, the bank discriminates against pensioners seeking mortgage loans. An elderly relative who never had financial problems and had good finances did not even get an answer to a request for a small bottom loan. Dept complaints left the answer "unfortunately your request is not allowed". He can borrow at another larger bank which also performs in a nice way.
Young people without financial planning may borrow 70 - 80%, a retired former math teacher with "coals" on finances, but low pensions due to many years of foreign work, do not even get a bottom loan of 20% of valuation.
The bank has only one office, which can also cause major problems.
There is no future in investing in this little disinterested problem-bank so good advice is to change, even if it may feel awkward.