“The lawyer if the bank change: it Should not be done in the heat of the moment”
“Want to change the bank, it is not difficult,” says Cecilia Blomqvist, a lawyer at the Consumers ‘ Bank and finance bureau.”
“– As a customer it is important, however, to not do anything rash, ” she says.”
“To switch the bank to take between three and five days if you have standard accounts, because banks have an agreement to make it easy for their customers.”
“– You contact the bank you want to switch to, ” says Cecilia Blomqvist.”
“if you Have housing loans with fixed interest rates, it may be worth to think carefully before switching to the other bank, otherwise it can be an expensive business.”
“You can’t just move over the loans, but you have to pay a so-called interest rate differential to solve them in advance,” explains Cecilia Blomqvist.”
“– It can actually get quite expensive, you might have to pay 100 000 sek to be able to transfer the loans to a new bank. But if you want to, it is not difficult, ” she says.”
“Then submit a loan application to the new bank, which will then do a credit check. When the new loan is granted, solves the bank of the old loan.”
“Consumers’ bank and finance bureau may, at the moment, many questions from Swedbank’s customers in, and with the turmoil in the bank. Part applies to savings and investment funds.”
“– Has securities it is not certain that you can move them from one institution to another, then you have to instead sell them.”
“– But we advise no one to act in the heat of the moment. Securities are segregated from the bank’s own assets and are not affected by what happens at the bank.”
“Not your savings are in danger if a bank, for example, are being investigated for suspected violations.”
“– There is a deposit guarantee and you need not be afraid that the bank will take your money, ” says Cecilia Blomqvist.”
“bank Statements – please bring the most recent report or statement from your old bank.”
“the Card number on credit and debit cards that you have in your old bank and you want to quit.”
“Credit – information on the account or credit card.”
“The autogyro, which is connected to the account in your old bank.”
“Standing orders are linked to your old account.”
“Regular deposits that are linked to the account, such as salary, pension, unemployment insurance, student loans and tax refunds.”
“Privatgiroblanketter which shall be cancelled and terminated.”
“Säkerhetsdosa for internet services takes you to the new bank.”
“securities account – the securities account or custody account which is connected to the account in your old bank.”
“Source: Consumer banking and finance bureau”
