Bank fees: the report covers 2025, but your personal tariff is in the menu
A small line in the account statement: "fee." Not a large amount, but it appears repeatedly. How much did you pay over the past year? Most people do not know. Banking Supervision's annual report sounds like the answer, but is actually only a starting point.
On 28 July 2026, Banking Supervision published its periodic report on prices of common household banking services for 2025. It is an industry report. It shows which services the supervisor chose to present as common and how their prices varied between banks in the completed year. It does not tell you what you paid.
The report does not know your account
The report is useful for comparison but has two limitations. First, it covers 2025. A bank can update fees after the reporting year, so the 2026 tariff is not necessarily identical. A fair comparison is between the report and the bank website's current tariff, not the report and memory.
Second, and more importantly, the cheapest bank in the table is not necessarily cheapest for you. A customer who never uses a teller gains nothing from a discount on teller transactions. A customer depositing cash in a branch does. Choose according to your actual transactions, not the average.
Where to find your own line
In the bank app or website, look for the fee breakdown, not the balance. Notice the channel: most tariffs price direct‑channel and teller transactions differently. If you joined a monthly fee plan, it replaces some lines, not all. A transaction outside the plan is still charged.
Some fees arise only occasionally: a returned standing payment, a bounced check, a warning letter. These are event fees. Because they do not recur monthly, an annual average can conceal a particularly expensive month. If they do recur every month, the problem is not the tariff but the funds available in the account.
Another distinction: a nonbank credit card fee does not always appear in the current‑account statement. Check it with the card company. Separate the statements before adding an annual total.
Ten minutes and you know
Here is a simple checking sequence. Open the past three months' fee breakdowns. Mark every unfamiliar charge. Compare with the bank website's tariff for the same channel you used. If you have a plan, check its contents. Only then open the 2025 report to see whether your price is unusual compared with the supervisor's figures.
Before approaching the bank, request the name of the plan applying to the account. Basic and expanded plans do not include the same number of transactions. A screenshot of the tariff for your channel settles an argument faster than any average.
When something does not match
If a charge does not match the tariff, the report will not refund your money. A refund requires contacting the bank and sometimes complaining to Banking Supervision. A complaint without a date or fee name takes longer to resolve. A screenshot of the line beats any description.
On 12 July 2026, Banking Supervision invited the public to online sessions on financial and banking conduct. This is a good channel for general questions, not for reading out an account number. Anyone who completed the ten‑minute check and found everything consistent has already saved themselves the session. The small "fee" line will no longer be a mystery.
