Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-07-04-Speech-3-415-000"
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"en.20120704.25.3-415-000"2
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".
We agree that a basic account should be provided free of charge or at a reasonable cost. However, we should be realistic: we cannot make it obligatory for banks to provide accounts free of charge. This must apply in particular if, from the basic account, an account is created that includes remote payment procedures, in other words Internet and telebanking. Telebanking is not a basic option that should be made available to every consumer free of charge. If this was a basic facility, everyone would set up such a ‘basic account’ in future and there would be no need for other accounts. However, a majority has agreed today that remote payment procedures should be part of a basic account, in which case we can no longer expect an account that is free of charge. Moreover, a basic account should not be provided with an overdraft facility, not even a small one, as this is not a basic facility either. What is more important in my view is that the consumers for whom this account is intended – in other words the vulnerable members of society and students – should not be able to fall into debt. The risk of not being able to get out of debt again is high and that cannot be the intention here. Although the report mentions the fact that such an overdraft should only be a buffer to cover temporary negative balances, I would, however, expressly warn against going down this route."@en1
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