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NOTICIA: ¿Has recibido ya el resumen anual de comisiones e intereses? - Nieves Mateos Asesores

Ahora que acaba de comenzar el año te recordamos la información que tu banco tiene obligación de remitirte durante el mes de enero.

Debes recibir de forma separada información de tus cuentas y de los servicios bancarios que hayas contratado durante el año.

En el caso de las cuentas, tu banco debe facilitarte el estado de comisiones, uno por cada cuenta que tengas contratada. Cada documento incluirá todas las comisiones aplicadas durante el año natural anterior por los servicios asociados, con importes unitarios y totales; también te informarán de los tipos de interés acreedor y de descubierto aplicados al saldo de la cuenta y del importe total de los intereses devengados ese año.

En cuanto a los servicios bancarios, por ejemplo, si se trata de préstamos o créditos, debe venir un resumen detallado de todos los intereses cobrados y pagados y de las comisiones y de los gastos devengados por cada servicio bancario prestado durante el año anterior.

Puedes recibir estas comunicaciones por correo ordinario o de forma telemática si es esa la opción que has elegido para comunicarte con tu entidad bancaria por lo que es importante que revises la bandeja de entrada de tu correo en la página web o en la app de tu entidad.

La comunicación es personal y la recibirás de forma individualizada, aunque seas cotitular de cualquier producto bancario. En este caso, te indicará el número total de cotitulares y cada uno recibiréis la comunicación de forma separada.

El resumen anual debe ajustarse al modelo establecido en el Anejo 5 de la Circular 5/2012 de 27 de junioAbre en ventana nueva, del Banco de España.

FUENTE: https://clientebancario.bde.es/pcb/es/blog/has-recibido-ya-el-resumen-anual-de-comisiones-e-intereses-.html

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