9 fees that the bank may charge depending on the service it provides

Maintenance fee
This applies to accounts where there is no continuous revenue stream or they are very low. It usually exceeds 20 euros per month, but it depends on the policy of each bank.

Credit card commission
One of the main user services is also subject to commissions. They may appear due to the issuance or renewal of the card, due to unpaid fees by the customer or when requesting a duplicate card for theft or loss.

Checking income
Checking income is a common form of payment in areas such as a company. The Bank of Spain notes that a check issued from a bank other than an income account may incur expenses. On the contrary, if the source and target accounts belong to the same entity, no commission should be charged.

Bank transfer
Payment solutions like Bizum have overshadowed usage transfers, which remain common for high payments such as monthly house rent. As in the case of the service commission, which the bank fixes during the transfer, you can avoid having a product linked to our account, or wages.

Withdraw or deposit money
Organizations are increasingly insisting that the customer take money out of the cash register and avoid the window. Thus, those who choose the latter will cost about 2-3 euros.

Disclosure fee
It's the same as getting into red. And this, of course, affects the user. This is a commission with two parts: fixed (the amount that the bank charges for notifying that the account is open) and variable (a percentage of the negative amount, which depends on the time it takes the account to restore a positive balance).

Currency exchange
As a rule, banks charge a fee for currency exchange. On the one hand, this is the fee charged by the organization, then the value of the exchange rate at which this money is converted, and finally, the amount of the SWIFT network (the global network through which money travels). Some banks charge a fixed amount. Others apply a variable percentage to the amount of money exchanged.

Mortgage fees
The conclusion of a mortgage with the bank entails commissions, mainly 2: opening and early repayment (applies to the client who wants to repay the mortgage before the agreed date).

Mutual funds
Mutual funds are one of the products that bring the greatest profit to individuals, as well as banks. Individuals who subscribe to the bank's fund must pay certain fees, including some of them: management, subscription and refund, refund, storage, success (less common) and transfer (pension plans, on the contrary, avoid this commission).