Question

10) Плата, которую платит банк за пользование деньгами вкладчика.

Answer 1

Bank Charges for Customer Deposits

The fee that a bank charges for the use of a customer's money is known as a bank charge. This fee is typically applied to the funds deposited by the customer into their bank account. Bank charges can vary depending on the type of account, the bank's policies, and the specific services provided to the customer.

Bank charges can include various types of fees, such as:

1. Account maintenance fees: These fees are charged for the general upkeep and administration of the customer's account. They may be charged on a monthly or annual basis.

2. Transaction fees: Banks may charge fees for specific transactions, such as withdrawals, transfers, or payments made from the customer's account. These fees can vary depending on the type and frequency of transactions.

3. Overdraft fees: If a customer spends more money than is available in their account, they may incur an overdraft fee. This fee is charged for the privilege of borrowing money from the bank to cover the shortfall.

4. ATM fees: Banks may charge fees for using ATMs that are not affiliated with their network. These fees are typically charged when a customer withdraws cash or performs other transactions at an ATM that is not owned by their bank.

5. Foreign transaction fees: When a customer uses their bank card to make purchases or withdraw cash in a foreign currency or outside their home country, the bank may charge a fee for the currency conversion or for processing the transaction.

It is important to note that bank charges can vary significantly between different banks and countries. Customers should carefully review the terms and conditions of their bank account to understand the specific charges that may apply to them.