BANK BLUFFEN JOEL DAHLBERG
SÅ BLIR DU BLÅST PÅ DINA PENGAR ORDFRONT
BANK BLUFFEN JOEL DAHLBERG
SÅ BLIR DU BLÅST PÅ DINA PENGAR ORDFRONT STOCKHOLM 2009
Tack till min familj och mina vänner för allt stöd under arbetet med »Bankbluffen«. Det hade inte gått utan er.
Joel Dahlberg: Bankbluffen – så blir du blåst på dina pengar Ordfront förlag, Box 17506, 118 91 Stockholm www.ordfront.se forlaget@ordfront.se © Joel Dahlberg 2009 Omslag: Eva Jais Nielsen Grafisk form: Eva Jais Nielsen Satt med Swift, Bell och City Tryck: Bookwell, Borgå 2009 ISBN: 978-91-7037-466-1
INNEHÅLL FÖRORD 7 TRANSAKTIONSKONTOT – EN BANKDIREKTÖRS DRÖM 11 GÖR BANKEN GLAD OCH BETALA MED KREDITKORT 26 SÅ LURAR MAN FEM MILJONER FONDSPARARE 45 BOLÅN – BANKENS VÄG TILL KUNDENS PLÅNBOK 85 EN ARMÉ AV SÄLJARE »I KUNDENS TJÄNST« 113 SVINDLANDE VINSTER OCH SVÄLLANDE BONUSAR 123 KRISEN SOM FÖRLAMADE VÄRLDSEKONOMIN 146
KAPITALSKYDDADE PLACERINGAR VINNER MARK 171 HUR SKYDDADE ÄR DINA 190 SPARPENGAR? TIPS & RÅD 195 ORDLISTA 199 FONDLISTA 209
FÖRORD VAD SKA MAN SÄGA PN FO CBOL TPN NFEWFUFU PDI TZTUF NBUJTLU TjMKFS EZSB PDI ElMJHB UKjOTUFS USPUT BUU EFU ¾OOT CjUUSF PDI CJMMJHBSF BMUFSOBUJW 0DI WBE LBMMBS NBO EFU OjS TBNNB CBOL MKVHFS PN LWBMJUFUFO J UKjOTUFSOB PDI TBNUJ EJHU GzSTjLSBS LVOEFO BUU ¨WJ TUlS Ql EJO TJEB§ +BH LBMMBS EFU GzS FO CBOLCMVGG PDI EFU jS KVTU WBE EFOOB CPL IBOE MBS PN
+BH IBEF BSCFUBU TPN FLPOPNJKPVSOBMJTU J zWFS UJP lS OjS KBH CzSKBEF NJTTUjOLB BUU EFU WBS OlHPU BMMWBSMJHU GFM J IVS WlSB TWFOTLB TUPSCBOLFS GVOHFSBS %FO HlOHFO HjMMEF EFU BLUJFGPOEFS EFU WJTBEF TJH BUU 4WFSJHFT TUzSTUB BLUJFGPOE 4XFECBOLT "MMFNBOTGPOE NFE DJSLB TQBSBSF JOUF MZDLBEFT MFWFSFSB EFO UKjOTU CBOLFO UPH CFUBMU GzS BUU TMl TJUU KjNGzSFMTFJOEFY 4BNUJEJHU ¿zEBEF GPOEBWHJGUFS Ql IVOESBUBMT NJMKPOFS LSPOPS QFS lS JO UJMM CBOLFO ,PNNFOUBSFO GSlO 4XFECBOL WBS BUU ¨EFU jS IFMU SJLUJHU BUU EFO IjS GPOEFO USPUT WlSB BOTUSjOHOJOHBS JOUF QSFTUF SBU UJMMSjDLMJHU CSB PDI WJ TLB HzSB BMMU WJ LBO GzS BUU J GSBN UJEFO QSFTUFSB jOOV CjUUSF§ /V ¿FSB lS TFOBSF LBO KBH LPOTUBUFSB BUU JOHFOUJOH IBS IjOU /jS KBH HSjWEF EKVQBSF WJTBEF EFU TJH BUU JOHFO BW TUPS CBOLFSOBT UJP TUzSTUB BLUJFGPOEFS MZDLBT TMl TJUU KjNGzSFM TFJOEFY %F IjS GPOEFSOB IBS ¿FSB NJMKPOFS TQBSBSF TPN CFUBMBS ¿FSB NJMKBSEFS LSPOPS QFS lS J GPOEBWHJGUFS NFO EFO UKjOTU EF CFUBMBU GzS MFWFSFSBT BMESJH 7
7BSGzS GSlHBEF KBH NJH GPSUTjUUFS CBOLFSOB BUU TjMKB FO TQBSQSPEVLU OjS NBO WFU BUU EFO jS ElMJH %FU TUjNNFS KV JOUF BMMT zWFSFOT NFE EFU EF TjHFS TJH TUl GzS ¨7J IBS FOEBTU LVOEFOT CjTUB J GPLVT§ jS KV EFU NBOUSB CBOLFSOB TUjOEJHU VQQSFQBS OjS NBO GSlHBS PN EFSBT SlEHJWOJOH 4l TNlOJOHPN TUzUUF KBH Ql ¿FS ElMJHB QSPEVLUFS ClEF IPT 4XFECBOL PDI IPT BOESB TUPSCBOLFS %FU IBOEMBEF JOUF CBSB PN GPOEFS KBH IJUUBEF MJLOBOEF FYFNQFM JOPN ClEF CPMlO LPOUPTQBSBOEF PDI LPOUPLPSU (lOH Ql HlOH WJTBEF EFU TJH BUU NBO MjU CMJ BUU FSCKVEB LVOEFSOB CjUUSF QSPEVLUFS FOCBSU EjSGzS BUU NBO El TLVMMF UKjOB NJOESF QFOHBS #BOLFS jS J EFU IjS BWTFFOEFU VOJLB 1l FO WjM GVOHF SBOEF NBSLOBE LBO FUU GzSFUBH UB CjUUSF CFUBMU FOEBTU PN LVOEFO VQQMFWFS BUU EFO GlS OlHPU CjUUSF %FU LBO HjMMB CjUUSF GVOLUJPOBMJUFU TPN FO FOFSHJTOlM EJTLNBTLJO FMMFS FUU FYLMVTJWBSF LMjENjSLF #BOLFSOB EjSFNPU UBS CjUUSF CFUBMU GzS QSPEVLUFS PDI UKjOTUFS TPN PGUB jS IFMU WjSEFMz TB PDI NBO LPNNFS VOEBO NFE EFU FGUFSTPN UKjOTUFSOB GSBNTUjMMT Ql FUU TjUU TPN HzS BUU LVOEFO IBS TWlSU BUU JGSl HBTjUUB EFU CBOLFO TjHFS &O DFOUSBM EFM J CBOLFSOBT TUSBUFHJ jS OjNMJHFO BUU GSBNTUjMMB FOLMB QSPEVLUFS TPN LPNQMJDFSBEF PDI TZGUFU jS BUU GzSTjUUB LVOEFO J FUU VOEFSMjHF %FU LBO IBOEMB PN BUU IFNMJHIlMMB EFU WFSLMJHB QSJTFU Ql FO UKjOTU CPMlO FM MFS BUU Gl LVOEFO BUU USP BUU UKjOTUFO jS Tl LPNQMJDFSBE BUU EFO LSjWFS FO IzH BWHJGU GPOEFS %FU WPSF FO TKjMWLMBSIFU J WJMLFO BOOBO CSBOTDI TPN IFMTU BUU Gl FUU GBTU QSJT Ql FO Tl TUBOEBSEJTFSBE QSPEVLU TPN CPMlO 3jOUPS QSJTTjUUT KV WBSKF EBH Ql QFOOJOHNBSL OBEFO NFE FO QSFDJTJPO Ql FO IVOESBEFMT QSPDFOUFOIFU .FO WjOEFS EV EJH UJMM CBOLFO GlS EV WFUB BUU EFO PG¾DJFMMB SjOUBO jS JOEJLBUJW .BO WJMM HzSB LVOEFO PTjLFS Ql WBE TPN jS EFU SjUUB NBSLOBETQSJTFU ° El jS EFU OjNMJHFO MjUUBSF BUU UB VU FUU IzHSF QSJT 8 BAN K BL UF F E N
1l GPOETJEBO WJMM NBO NlMB FO CJME BW GzSWBMUBSOB TPN FO HSVQQ IlSU BSCFUBOEF ¾OBOTJFMMB HFOJFS TPN TLB TF UJMM BUU TQBSBSOB CMJS FWJHB WJOOBSF Ql CzSTFO .FO TUPSCBOLFS OBT GPOECPMBH jS J TKjMWB WFSLFU BUU MJLOB WJE NPEVMGBCSJ LFS EjS BMMB TOFHMBS Ql WBSBOESB PDI JOHFO WlHBS TUJDLB VU .FE WJTTB Gl VOEBOUBH IBOEMBS EFU PN MzQBOEF CBOE QSPEVLUJPO PDI CBOLFSOB UBS WBSKF lS JO ¿FSB NJMKBSEFS LSPOPS J BWHJGUFS GzS EFTTB ZUUFSTU NFEJPLSB QSPEVLUFS +BH IBS IJUUBU FYFNQFM Ql IVS TQBSBSF CFUBMBS NJMKPO LSPOPS J UJNNFO GzS GzSWBMUBSOBT BSCFUF #BOLFO WJMM HjSOB Gl PTT BUU USP BUU SlEHJWBSOB TUlS Ql WlS TJEB NFO J TKjMWB WFSLFU jS JOUSFTTFOB IFMU NPUTBUUB /jS EFU HjMMFS UJMM FYFNQFM CPMlO WJMM KV SlEHJWBSFO LVOOB UB VU FO Tl IzH SjOUFNBSHJOBM TPN NzKMJHU NFEBO WJ LVOEFS WJMM CFUBMB Tl MlH SjOUB TPN NzKMJHU /PSEFB HlS Tl MlOHU TPN BUU MPWB BUU LVOEFO ¨BVUPNB UJTLU GlS WlSB CjTUB QSJTFS PDI WJMMLPS§ 1l Tl TjUU WJMM NBO Gl LVOEFS TPN BDDFQUFSBS FUU QSJT VUBO BUU GzSIBOEMB %FU jS GzSTUlT FO ESzN GzS WBSKF TjMKBSF NFO GzS LVOEFO MFEFS EFU UJMM BUU QSJTFSOB CMJS IzHSF jO WBE EF CPSEF WBSB #BOLFSOB UKjOBS FOPSNU NZDLFU QFOHBS %F GZSB TUPSCBO LFSOB 4XFECBOL 4&# /PSEFB PDI )BOEFMTCBOLFO UKjOB EF VOEFS GFNlSTQFSJPEFO ° OjTUBO NJMKBSEFS LSPOPS UJMMTBNNBOT %F GZSB J JOUFSOBUJPOFMMB TBNNBO IBOH HBOTLB TNl CBOLFSOB UKjOBEF EjSNFE OjTUBO MJLB NZDLFU QFOHBS TPN EF GZSB CzSTKjUUBSOB 7PMWP &SJDTTPO 5FMJBTPOFSB PDI ) . HKPSEF VOEFS TBNNB QFSJPE /jS KBH VOEFS BSCFUFU NFE #BOLCMVGGFO LPOGSPOUFSBU CBOLFSOB IBS EFU PGUB LjOUT TPN BUU KBH CF¾OOFS NJH J FO TLSVWBE TLFUDI +BH GSlHBS WBSGzS NBO TjMKFS FO EZS PDI VQQFOCBSU ElMJH QSPEVLU UJMM LVOEFSOB PDI EF TWBSBS ¨7J TjMKFS JOHB QSPEVLUFS WJ jHOBS PTT lU SlEHJWOJOH PDI EFU jS IFMU PDI IlMMFU LVOEFSOBT zOTLFNlM TPN TUZS § .FO VOESBS KBH PN OJ JOUF IBS OlHPU JOUSFTTF BW BUU LVOEFSOB WjMKFS FO TQFDJ¾L QSPEVLU WBSGzS TjMKFS OJ ¿FTU FÖ ROR D 9
BW EF EZSB PDI ElMJHB QSPEVLUFSOB OjS EFU ¾OOT CJMMJHBSF PDI CjUUSF BMUFSOBUJW ¨)BS JOHFO BOJOH EFU jS LVOEFO TPN TUZS § &UU BOOBU FYFNQFM jS OjS CBOLFSOB GzS OlHSB lS TFEBO HFOPN BWBODFSBU SjOUFUSJYBOEF MZDLBEFT MVSB TJOB LVO EFS Ql UJEFSOBT TUzSTUB CPSjOUFSFB ,POTFLWFOTFO CMFW BUU TUPSCBOLFSOBT CPMlOFLVOEFS FOMJHU NJO VQQTLBUUOJOH CFUBMBU ¿FSB NJMKBSEFS LSPOPS GzS NZDLFU J SjOUPS EF TF OBTUF lSFO /jS KBH GSlHBS PN PSTBLFO UJMM EFUUB USJYBOEF IjOWJTBS CBOLFSOB UJMM ¨BENJOJTUSBUJWB LPTUOBEFS§ PDI ¨LPOLVSSFOTFO Ql NBSLOBEFO§ +BH WJMM GzS UZEMJHIFUFOT TLVMM QlQFLB BUU KBH jS WjM NFE WFUFO PN BUU EFU PDLTl ¾OOT CSB UKjOTUFS IPT EF TWFOTLB TUPSCBOLFSOB PDI BUU EF JOPN WJTTB PNSlEFO HzS FUU NZDL FU CSB KPCC 4WFOTLB CBOLFS jS PGUB NFS UJMMHjOHMJHB NFS FGGFLUJWB PDI NJOESF CZSlLSBUJTLB jO TJOB VUMjOETLB LPO LVSSFOUFS .FO EFU LBO JOUF Ql OlHPU TjUU LPNQFOTFSB GzS IVS EF MVSBS TJOB LVOEFS %FO PNGBUUBOEF CMVGGFO TPN WBSKF lS ESBCCBS NJMKPOFS TWFOTLB CBOLLVOEFS jS GPSUGBSBOEF FUU GBLUVN +BH IPQQBT NFE EFO IjS CPLFO HF EJH FO JOTJLU J IVS EFU HlS UJMM OjS EV CMJS MVSBE BW EJO CBOL PDI IVS EV HzS GzS BUU VOEWJLB EFU
10 B AN K BL U F F E N
TRANSAKTIONSKONTOT โ EN BANKDIREKTร RS DRร M GRATISPENGAR HAR TFEBO CBOLFSOBT CBSOEPN WBSJU WBS
KF CBOLEJSFLUzST ESzN NFO EFU jS FO GlGjOH ESzN MJUF HSBOE TPN 1JQQJ -lOHTUSVNQT BMESJH TJOBOEF TPDLFS ESJDLTUSjE %FU ยพOOT KV JOHFU TPN IFUFS HSBUJTQFOHBS PDI JOHFOTUBOT jS NBO NFS NFEWFUFO PN EFUUB jO J CBOLWjSM EFO "UU MlOB VU QFOHBS UJMM SjOUB jS KV CBOLFOT MJWTOFSW .FO J EF TWFOTLB TUPSCBOLFSOBT WjSME CMJS TBHPS JCMBOE UJMM WFSLMJHIFU %F IBS OjNMJHFO FUU BMMEFMFT FHFU MjTLF ESZDLTUSjE TPN BMESJH TJOBS .BO TLVMMF LVOOB LBMMB EFU GzS FUU ยจHSBUJTQFOHBSLPOUPยง NFO Ql CBOLFO IBS EFU GlUU OBNOFU USBOTBLUJPOTLPOUP 5SBOTBLUJPOTLPOUPU ยฐ JCMBOE PDLTl LBMMBU MzOFLPO UP QSJWBULPOUP FMMFS QFSTPOLPOUP LjSU CBSO IBS NlOHB OBNO ยฐ BOWjOET BW J QSJODJQ BMMB WVYOB TWFOTLBS )jS TjUUT JO LPNTUFO JO PDI GSlO EFUUB LPOUP HzST CFUBMOJOHBS PDI zWFSGzSJOHBS %F IjS LPOUPOB HFS FOMJHU FO UZTU zWFS FOTLPNNFMTF NFMMBO TUPSCBOLFSOB JOHFO SjOUB .FO BUU QFOHBSOB jS HSBUJT HjMMFS CBSB GzS CBOLFO /jS CBOLFO J TJO UVS MlOBS VU EF IjS QFOHBSOB UJMM OlHPO BO OBO UBS NBO VU FO NBSLOBETNjTTJH SjOUB En miljardindustri fรถr storbankerna "MMB GZSB TUPSCBOLFSOBT USBOTBLUJPOTLPOUPO TBLOBS JEBH SjOUB PDI Tl IBS EFU WBSJU MjOHF 6OEFS EF TFOBTUF GFN 11
lSFO IBS /PSEFBT PDI 4XFECBOLT LPOUPO JOUF HFUU OlHPO SjOUB BMMT JOUF FOT VOEFS IzTUFO OjS 3JLTCBOLFOT SF QPSjOUB WBS EFO IzHTUB Ql UPMW lS 4&# T PDI )BOEFMTCBO LFOT LPOUPO IBS VOEFS WJTT UJE HFUU FO SjOUB Ql QSP DFOU SFTQFLUJWF QSPDFOU Reporรคnta. Reporรคntan, ocksรฅ kallad styrrรคntan, รคr den rรคnta bankerna fรฅr betala nรคr de lรฅnar pengar av Riksbanken. Reporรคntan รคr avgรถrande fรถr nivรฅn fรถr de korta marknadsrรคntorna i Sverige, som i sin tur ligger till grund fรถr de rรถrliga borรคntorna. Riksbanken fattar beslut om reporรคntan vid de penningpolitiska mรถtena som hรฅlls sex gรฅnger per รฅr.
*OUjLUFSOB GSlO EF IjS LPOUPOB jS FO LjOTMJH GSlHB GzS TUPSCBOLFSOB FGUFSTPN EF BMMUJE IBS QlTUlUU BUU USBOTBL UJPOTLPOUPOB CBSB LPTUBS QFOHBS %F WjHSBS PDLTl HF VQQ HJGUFS PN IVS NZDLFU QFOHBS LVOEFSOB IBS Ql EFTTB LPO UPO ยจ"W LPOLVSSFOTTLjM CFSjUUBS WJ JOUF EFUยง jS CFTLFEFU NBO GlS GSlO BMMB GZSB .FO NBO LBO Gl MFEUSlEBS HFOPN BUU SjLOB CBLMjOHFT 6OEFS lS IBEF EF TWFOTLB IVTIlMMFO JOLMVTJWF FHFO GzSFUBHBSF NFMMBO PDI NJMKBSEFS LSPOPS Ql TUPS CBOLFSOBT PMJLB LPOUPO 4JGGSPSOB CZHHFS Ql NlOBETTUBUJT UJL GSlO 4UBUJTUJTLB DFOUSBMCZSlO PDI TVNNBO HjMMFS GzS Nl OBETTLJGUFU OjS IVTIlMMFO IBS MJUF NFS QFOHBS jO OPSNBMU )VS NZDLFU BW EFTTB QFOHBS TPN ยพOOT Ql USBOTBLUJPOT LPOUPOB jS TWlSU BUU VQQTLBUUB NFO FOMJHU CSBOTDIVQQHJG UFS CPSEF EFU SzSB TJH PN NFMMBO PDI QSPDFOU -lU PTT HzSB FUU GzSTJLUJHU BOUBHBOEF BUU HSBUJTQFOHBSOB Ql TUPS CBOLFSOBT LPOUPO J TOJUU TUlS GzS QSPDFOU BW UPUBMTVN NBO Ql NJMKBSEFS EFU TLVMMF CFUZEB LOBQQU NJM KBSEFS LSPOPS %F NJMKBSEFS LSPOPSOB jS KV JOUF MlTUB Ql LVOEFSOBT LPOUPO #BOLFO TFS UJMM BUU UKjOB QFOHBS HFOPN BUU MlOB VU EFN UJMM NBSLOBETSjOUB "UU MlOB QFOHBS HSBUJT GSlO TJOB LVOEFS PDI TFEBO MlOB VU EFN NPU SjOUB jS KV FO NZDLFU 12 B AN K BL U F F E N
MzOTBN BGGjS GzS TUPSCBOLFSOB )VS NZDLFU QFOHBS EF UKj OBS Ql EFUUB LBO NBO SjLOB VU HFOPN BUU UJUUB Ql WBE WJTTB OJTDICBOLFS WBSJU CFSFEEB BUU HF J SjOUB Ql FUU MzOFLPOUP /JTDICBOLFSOB FSCKVEFS OjNMJHFO PGUB CFUZEMJHU CjUUSF WJMMLPS Ql MzOFLPOUPOB TPN FUU TjUU BUU MPDLB LVOEFS GSlO TUPSCBOLFSOB NFO EFU SzS TJH jOEl PN FO NBSLOBETNjT TJH SjOUB %FO IzHTUB SjOUBO GzS FUU USBOTBLUJPOTLPOUP IJUUBS NBO Ql 4LBOEJBCBOLFOT "MMU J FUU LPOUP 6OEFS GFNlSTQFSJPEFO ยฐ IBS SjOUBO MFHBU Ql DJSLB QSPDFOU J TOJUU %l TLB NBO BMMUTl LPNNB JIlH BUU 4LBOEJBCBOLFO jOEl UKj OBS QFOHBS Ql EF IjS LPOUPOB -lU PTT El GzSTzLB SjLOB VU WJMLB WJOTUFS EFU IBOEMBS PN GzS TUPSCBOLFSOB PDI WJ LBO UB lS TPN FYFNQFM 6O EFS lSFU WBS TOJUUSjOUBO Ql 4LBOEJBCBOLFOT "MMU J FUU LPO UP DJSLB QSPDFOU 3jLOBU Ql FO VQQTLBUUBE HSBUJTJOMl OJOH Ql NJMKBSEFS LSPOPS UKjOBEF TUPSCBOLFSOB VOHF GjS NJMKBSEFS Ql BUU JOUF HF NBSLOBETNjTTJH SjOUB UJMM LVOEFSOB EFU lSFU QSPDFOU BW NJMKBSEFS %FUUB jS jOEl TBOOPMJLU FO CMZHTBN CFSjLOJOH 6OEFS IFMB GFNlST QFSJPEFO SjLOBU Ql FO SjOUB Ql QSPDFOU UPSEF EFU SzSB TJH PN NFMMBO PDI NJMKBSEFS LSPOPS ยฐ NJOTU 'zS FO HFOPNTOJUUMJH CBOLLVOE CFUZEFS EFU ยฟFSB IVOE SB LSPOPS QFS lS J GzSMPSBE SjOUB &UU FYFNQFM &O CBOL LVOE TPN IBEF LSPOPS J TOJUU Ql 4LBOEJBCBOLFOT "MMU J FUU LPOUP VOEFS lS TLVMMF IB GlUU LSPOPS J SjOUB GzSF TLBUU FUU TOJUU Ql LSPOPS IBEF HFUU LSPOPS PDI Tl WJEBSF Ingen rรคnta โ ยปfรถr kundens egen skullยซ 4UPSCBOLFSOB IBS PMJLB GzSLMBSJOHBS UJMM WBSGzS NBO JOUF HFS OlHPO SjOUB Ql TJOB USBOTBLUJPOTLPOUPO /PSEFB Tj HFS ยจ1FSTPOLPOUPU jS JOUF FUU TQBSLPOUP VUBO FUU WFSLUZH GzS BUU TLzUB MzQBOEF CFUBMOJOHBS 7J IBS BOESB CjUUSF QSP EVLUFS GzS EFO TPN jS VUF FGUFS FUU TQBSBOEF PDI SjOUB BWLBTUOJOH ยง T R A NS A KTI O NSKO NTOT 13
.FO PN MJMMB 4LBOEJBCBOLFO LMBSBS BW BUU HF FO SjOUB CPSEF /PSEFOT TUzSTUB CBOL PDLTl LVOOB HzSB EFU 4BO OJOHFO jS BUU NBO IFMU FOLFMU JOUF WJMM HF SjOUB FGUFSTPN EFU TLVMMF TjOLB WJOTUFO 4XFECBOL IjWEBS BUU NBO TMPQBU SjOUBO Ql USBOTBL UJPOTLPOUPU GzS LVOEFOT FHFO TLVMM ¨&OMJHU FO VOEFSTzL OJOH WJ HKPSEF CMBOE WlSB LVOEFS GSBNLPN EFU BUU WlSB LVOEFS IFMMSF WJMM IB IzHSF SjOUB Ql TJOB TQBSLPO UPO jO Ql TJOB USBOTBLUJPOTLPOUPO .PU CBLHSVOE BW EFU HKPSEF WJ GzSjOESJOHBS PDI MBOTFSBEF OZB TQBSLPOUPO NFE BUUSBLUJW SjOUB 'SBNUJETLPOUP PDI 'SBNUJETLPOUP .BY§ TLSJWFS CBOLFOT QSFTTBWEFMOJOH ¨'SBNUJETLPOUP PDI 'SBNUJETLPOUP .BY IBS FO WjTFOUMJHU CjUUSF SjOUB jO WBE WJ LVOOBU FSCKVEB PN 1SJWBULPOUPU IBEF IBGU SjOUB § 4XFECBOL MlUTBT BMMUTl BUU EFU ¾OOT FO NPUTjUUOJOH NFM MBO WFUUJHB WJMMLPS Ql USBOTBLUJPOTLPOUPU PDI FO CSB SjOUB Ql TQBSLPOUPOB 4BOOJOHFO jS KV BUU TQBSLPOUPU jS FO IFMU TFQBSBU QSPEVLU EjS SjOUFOJWlO BWHzST BW LPOLVSSFOTFO NFMMBO CBOLFSOB 7BSKF CBOLT TQBSSjOUB TjUUT J SFMBUJPO UJMM WBE BOESB CBOLFS FSCKVEFS GzS SjOUB 4XFECBOLT MPHJL LBO KjNGzSBT NFE BUU 4+ GzS BUU TQB SB QFOHBS TLVMMF GzSTjNSB TJO TFSWJDF Ql TUSjDLBO 4UPDL IPMN°.BMNz PDI NPUJWFSB EFU IFMB NFE BUU NBO JTUjMMFU HFS VUNjSLU TFSWJDF Ql TUSjDLBO 4UPDLIPMN°6NFl *OHFO BW 4+ T LVOEFS TLVMMF BDDFQUFSB FUU TlEBOU SFTPOFNBOH .FO FGUFSTPN CBOLNBSLOBEFOT QSJTTjUUOJOH jS Tl NZDL FU TWlSBSF BUU GzSTUl PDI EFO USFWMJHB CBOLUKjOTUFNBOOFO IFMB UJEFO TjHFS TJH TUl Ql LVOEFOT TJEB jS EFU TWlSBSF BUU TF EFU PSJNMJHB J CBOLFOT BHFSBOEF 4XFECBOL MJLTPN EF BOESB CBOLFSOB WJMM PDLTl HjSOB CBHBUFMMJTFSB EFO WJOTU NBO HzS Ql USBOTBLUJPOTLPOUPOB ,KFMM )FENBO WJDF WE J 4XFECBOL TWBSBEF J %BHFOT /ZIFUFS J GFCSVBSJ Ql GzMKBOEF TjUU OjS IBO ¾DL GSlHBO PN JOUF USBOTBLUJPOTLPOUPOBT OPMMSjOUB JOOFCjS FO CSB BGGjS GzS CBOLFO Ql CFLPTUOBE BW LVOEFO ¨%V LBO WjM ESB EFO TMVU TBUTFO NFO HFOPNTOJUUTCFMPQQFU Ql FUU USBOTBLUJPOTLPOUP 14 B AN K BL U F F E N
jS LSPOPS QFS lS 0N WJ TLVMMF IB QSPDFOU J SjOUB TLVMMF EFU CMJ LSPOPS J SjOUB PDI IjMGUFO FGUFS TLBUU ยง .BO LBO VOESB WBSJGSlO )FENBO QMPDLBEF SjOUFTBU TFO QSPDFOU 4LBOEJBCBOLFO TPN FSCKVEFS EFO IzH TUB SjOUBO IBEF WJE EFO IjS UJEQVOLUFO FO SjOUB Ql QSPDFOU Ql TJUU USBOTBLUJPOTLPOUP 4XFECBOLT TZGUF jS GzS NPEMJHFO BUU TQSJEB EJNSJElFS GzS BUU Gl LVOEFSOB BUU USP BUU CBOLFO JOUF UKjOBS OlHSB QFOHBS Ql HSBUJTLPOUPOB 0DI IVS WBS EFU El NFE LPOUPOB NFE ยจWjTFOUMJHU CjUUSF SjOUBยง TPN 4XFECBOL QSBUBS PN #BOLFOT LVOEFS CPSEF LVOOB WjOUB TJH FYDFQUJPOFMMB WJMMLPS NFE UBOLF Ql IVS NZDLFU 4XFECBOL UKjOBS Ql OPMMSjOUFLPOUPOB 4l IjS TUPE TJH CBOLFOT SjOUPS J FO KjNGzSFMTF NFE FUU VSWBM BW OlHSB BOESB WBOMJHB TQBSLPOUPO NFE IzH SjOUB J NBST Sparkonto
Rรคnta i procent
Swedbanks Framtidskonto Danske Bank XL SBAB-konto* Handelsbankens Framtidskonto
1,35 1,60 2,10 1,60
* SBAB-kontot krรคver att kunden har minst 1 miljon kronor i bolรฅn hos SBAB. Kรคlla: Swedbank, Danske Bank, SBAB och Handelsbanken.
4XFECBOLT 'SBNUJETLPOUP IBS WJTTFSMJHFO FO IZGTBU IzH SjOUB NFO EFO jS MlOHU JGSlO EFO IzHTUB Ql NBSLOBEFO %FTTVUPN NlTUF NBO TjUUB JO NJOTU LSPOPS Ql LPO UPU GzS BUU Gl EFO IjS IzHB SjOUBO WJMLFU HzS BUU NlOHB BW CBOLFOT LVOEFS JOUF LBO VUOZUUKB EFU %BOTLF #BOLT 4QBS LPOUP 9- IBS TBNNB SFTUSJLUJPO Ql NJOTU LSPOPS NFEBO )BOEFMTCBOLFOT 'SBNUJETLPOUP LSjWFS BUU QFOH BSOB jS MlTUB J FUU lS %FU BOESB LPOUPU 4XFECBOL OjNOFS 'SBNUJETLPOUP .BY jS FUU Tl LBMMBU GBTUSjOUFLPOUP EjS NBO CJOEFS TQBS LBQJUBMFU GzS FO WJTT UJE ,POUPU IBS IzHSF SjOUB jO ยฟFSB BW LPOLVSSFOUFSOB NFO jS MlOHU JGSlO CjTU Ql NBSLOBEFO PDI GlS TUSZL BW CMBOE BOOBU 4&# T NPUTWBSJHIFU T R A NS A KTI O NSKO NTOT 15
4XFECBOLT MzGUF PN ยจWjTFOUMJHU CjUUSFยง SjOUB Ql TQBS LPOUPOB jS NFE BOESB PSE UPNU QSBU ยฐ NBO TUPQQBS JTUjM MFU QFOHBSOB J FHFO ยพDLB )BOEFMTCBOLFO TLJMKFS TJH UJMM WJTT EFM GSlO EF zWSJHB USF #BOLFOT TUzSTUB USBOTBLUJPOTLPOUP TFS WJTTFSMJHFO MJLB EBOU VU TPN LPOLVSSFOUFSOBT NFO CBOLFO FSCKVEFS TBN UJEJHU FUU USBOTBLUJPOTLPOUP NFE SjOUB "MMLPSUTLPOUPU * NBST MlH SjOUBO Ql QSPDFOU "MMLPSUTLPOUPU IBS EPDL FO MJUFO IBLF NBO NlTUF IB FUU LSFEJULPSU EFU Tl LBMMBEF "MMLPSUFU GzS BUU LVOOB BOWjO EB LPOUPU %FU HzS BUU )BOEFMTCBOLFO LBO UKjOB FO FYUSB IBDLB Ql BUU NBO WJB "MMLPSUFU IBS ยฟFS LSFEJULPSUTLVO EFS jO EF zWSJHB CBOLFSOB ,SFEJULPSUTLVOEFS jS OjNMJ HFO NFS MzOTBNNB GzS CBOLFO jO LVOEFS TPN JOUF IBS LSFEJULPSU %FU NBO GzSMPSBS Ql HVOHPSOB UBS NBO BMMUTl JHFO Ql LBSVTFMMFO )BOEFMTCBOLFO IBS TPN TBHU PDLTl FUU WBOMJHU USBOTBL UJPOTLPOUP "MMLPOUPU GzS EF LVOEFS TPN JOUF WJMM IB FUU LSFEJULPSU "MMLPOUPU HFS QSFDJT TPN EF BOESB TUPSCBOLFS OBT USBOTBLUJPOTLPOUPO JOHFO SjOUB PDI EFUUB LPOUP jS PDLTl EFU WBOMJHBTUF CMBOE )BOEFMTCBOLFOT LVOEFS Mรถrkade vinster bรคddar fรถr hรถga avgifter 4UPSCBOLFSOB BOTUSjOHFS TJH GzS BUU NzSLB NJMKBSEWJOTUFS OB GSlO USBOTBLUJPOTLPOUPOB %FO PGยพDJFMMB IlMMOJOHFO jS BUU LPOUPOB JOOFCjS FO EZS IBOUFSJOH TPN NBO IFMTU TLVM MF TMJQQB 0STBLFO UJMM EFUUB TQFM jS BUU NBO WJE TJEBO BW HSBUJTQFOHBSOB WJMM LVOOB UB VU BWHJGUFS GSlO LVOEFSOB (FOPN BUU EzMKB WJOTUFSOB GSlO USBOTBLUJPOTLPOUPOB jS EFU MjUUBSF BUU JOGzS LVOEFO NPUJWFSB WBSGzS NBO ยจUWJOH BTยง UB VU EF IjS BWHJGUFSOB "UU UB GSBN PMJLB UZQFS BW BWHJGUFS jS FO DFOUSBM EFM J CBO LFSOBT BGGjSTVUWFDLMJOH PDI OjS EFU HjMMFS USBOTBLUJPOT LPOUPO ยพOOT EFU FO IFM ยฟPSB BW EFN )jS MJTUBT EF WBOMJHBTUF USBOTBLUJPOTLPOUPOB PDI EF SBT TUzSTUB BWHJGUFS VQQHJGU GSlO NBST LSPOPS QFS 16 B AN K BL U F F E N
lS 4PN KjNGzSFMTF MJTUBT PDLTl OlHSB BW OJTDICBOLFSOBT USBOTBLUJPOTLPOUPO Avgifter fĂśr transaktionskonton Transaktionskonto
Internetbank
Bankkort
Uttag i utlandet
Swedbank Privatkonto
155
250
35
Nordea Personkonto*
144
288
40
SEB Privatkonto
120
250
35
Handelsbanken Allkortskonto
0
250
35
Handelsbanken Allkonto
0
250
35
Skandiabanken Allt i ett-konto
0
230
0
LänsfÜrsäkringar
0
225
35
*Nordeas avgifter i tabellen gäller baskunden. Banken har ett rabattsystem som ger lägre avgifter till plus- och fÜrmünskunder. FÜrmünskund blir den som sätter in sin inkomst pü nügot av bankens transaktionskonton, har lün eller sparande i banken pü minst 300 000 kronor samt använder minst fem andra tjänster av typ fondsparande, kreditkort eller Internetbank. Källa: Swedbank, Nordea, SEB, Handelsbanken, Skandiabanken och LänsfÜrsäkringar.
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/VNFS TFS NlOHB TQBSLPOUPO IFMU BOOPSMVOEB VU "MMB CBOLFS IBS TQBSLPOUPO EjS NBO GlS SjOUB GSlO GzSTUB LSP OBO PDI EjS NBO LBO UB VU QFOHBS IVS NlOHB HlOHFS TPN IFMTU VUBO BWHJGUFS )jS jS OlHSB FYFNQFM Ql TlEBOB TQBSLPOUPO … 4XFECBOL F LPOUPTQBS … /PSEFB ,BQJUBMLPOUP … 4&# &OLMB 4QBSLPOUP … )BOEFMTCBOLFO "MMLPSUTLPOUP %F IjS BOWjOEBSWjOMJHB TQBSLPOUPOB TLVMMF LVOOB TUjMMB UJMM EFU SFKjMU GzS CBOLFO &O VQQNjSLTBN TUPSCBOLTLVOE LVOEF KV ¿ZUUB TJO MzO IJU TLzUB TJOB CFUBMOJOHBS IjSJGSlO PDI EjSNFE CFSzWB CBOLEJSFLUzSFO Ql IBOT HSBUJTQFOHBS .FO EFO SJTLFO IBS JEFOUJ¾FSBUT PDI VOEBOSzKUT BW CBO LFSOB 7BQOFU NBO BOWjOEFS jS CBOLLPSUFU * QSJODJQ BMMB CBOLLVOEFS IBS KV JEBH FUU CBOLLPSU TPN BOWjOET GzS LPSUCFUBMOJOH FMMFS GzS BUU UB VU LPOUBOUFS J VUUBHTBVUPNBUFS ,PSUFO LBO NZDLFU FOLFMU LOZUBT UJMM USBOTBLUJPOTLPOUPO NFO EFO TPN CFS BUU Gl FUU CBOL LPSU LOVUFU UJMM OlHPU BW TQBSLPOUPOB PWBO GlS OFK #BO LFSOB VUGjSEBS IFMU FOLFMU JOUF CBOLLPSU LOVUOB UJMM TQBSLPOUPO 4LjMFU UJMM EFUUB jS KV HSBUJTQFOHBSOB TPN CBOLFO BCTP MVU JOUF WJMM ¿ZUUB GSlO FUU USBOTBLUJPOTLPOUP UJMM FUU LPOUP TPN HFS LVOEFO SjOUB .FO EFO TPN GSlHBS CBOLFO PN PSTBLFO GlS IFMU BOESB CFTLFE )jS SFEPHzS KBH GzS FUU BY QMPDL BW EF TWBS KBH IBS GlUU ¨%FU ¾OOT FO SJTL NFE BUU IB FO LPSULPQQMJOH UJMM FUU TQBSLPOUP Ql WJMLFU NBO LBOTLF IBS FUU TUzSSF CFMPQQ PDI TPN LBO Hl GzSMPSBU J EFU GBMM NBO TLVMMF CMJ CFTUVMFO Ql TJUU LPSU§ MZEFS 4XFECBOLT TWBS %FU jS BMMUTl FOMJHU 4XFECBOL SJTLFO GzS BUU LVOEFO CMJS BW NFE TUPSB TVNNPS QFOHBS TPN jS TLjMFU UJMM BUU NBO JOUF LBO IB FUU CBOLLPSU UJMM TQBSLPOUPU +BH VOESBS T R A NS A KTI O NSKO NTOT 19
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7BSGzS jS EFU El Tl TWlSU BUU Gl FUU PSEFOUMJHU TWBS 'zS LMBSJOHFO jS GzSNPEMJHFO BUU 4&# WJMM CFIlMMB HSBUJTQFOH BSOB NFO BUU NBO JOUF WlHBS TUl GzS EFU JOGzS LVOEFSOB )BOEFMTCBOLFO WBST LVOEFS NlTUF TLBGGB FUU LSFEJU LPSU GzS BUU Gl SjOUB Ql USBOTBLUJPOTLPOUPU TWBSBS Ql GSl HBO PN WBSGzS NBO JOUF LBO Gl FUU WBOMJHU CBOLLPSU JTUjM MFU ยจ%FU ยพOOT FHFOUMJHFO JOHFO CSB GzSLMBSJOH UJMM EFUUB BOOBU jO BUU EFU IBS IJTUPSJTLB PSTBLFS ยง Avgiftsfria uttag en sjรคlvklarhet โ fรถrr i tiden "WHJGUTTUSVLUVSFO LSJOH USBOTBLUJPOTLPOUPOB JOOFCjS BUU EFU OVNFS jS OjTUBO PNzKMJHU GzS FO MzOUBHBSF BUU LPNNB lU TJO MzO VUBO BUU CFUBMB BWHJGUFS )FMB BQQBSBUFO LSJOH IVTIlMMFOT JOLPNTUFS IBS CMJWJU FUU TjUU GzS CBOLFSOB BUU QVOHTMl LVOEFSOB Ql ZUUFSMJHBSF QFOHBS TBNUJEJHU TPN NBO TOVWBS EFN Ql SjOUBO .FO EFU GBOOT FO UJE GzSF CBOLFSOBT USBOTBLUJPOTLPOUPO GPSUGBSBOEF ยพOOT TWFOTLBS J MJWFU TPN LBO CFSjUUB PN EFO OjS NBO ยพDL TJO MzO J LPOUBOUFS FMMFS DIFDL J FUU LVWFSU EjSBW VUUSZDLFU MzOFLVWFSU %FU IjS TZTUFNFU GzSTWBOO VO EFS PDI UBMFU FGUFS JOUFOTJWU BSCFUF GSlO CBOLFSOB "S CFUTHJWBSF zWFS IFMB 4WFSJHF VQQWBLUBEFT BW CBOLFSOB TPN FSCKzE TJH BUU UB IBOE PN MzOFVUCFUBMOJOHBSOB VUBO LPTU OBE GzS BSCFUTHJWBSFO NPU BUU MzOUBHBSOBT QFOHBS J HFO HjME TBUUFT JO Ql FUU LPOUP J CBOLFO 5BOLFO GSlO CBOLFSOBT TJEB WBS GzSTUlT BUU Gl JO ยฟFS LVOEFS J TZTUFNFU ยจ%FU TLFEEF GzSIBOEMJOHBS ClEF DFOUSBMU PDI Ql MPLBMU IlMM NFMMBO BSCFUTHJWBSF PDI EF TUPSB CBOLFSOB TPN TZG UBEF UJMM BUU TLBQB MzOFLPOUPO GzS MzOUBHBSOBยง TjHFS *OH WBS ,zSCFSH OVNFS QFOTJPOjS NFO NFE FUU GzSยฟVUFU TPN EJSFLUzS J TQBSCBOLTSzSFMTFO ยจ%FU WBS CBOLFSOB TPN UPH JOJUJBUJWFU UJMM QSPDFTTFO PDI GzSEFMFO WBS BUU NBO ยพDL JO LVOEFO J TZTUFNFU PDI EjS NFE LVOEF TjMKB BOESB CBOLQSPEVLUFS "SCFUTHJWBSOB WJM MF J BMMNjOIFU IB OlHPO BW BGGjSTCBOLFSOB TPN VUCFUBMBO EF CBOL NFO GBDLFU LSjWEF BUU Gl WjMKB CBOL FGUFSTPN EFU T R A NS A KTI O NSKO NTOT 21
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VUUBHTBVUPNBUFSOB PDI IFMU TUZSB JO LVOEFSOB Ql LPSU CFUBMOJOHBS * EFOOB TUSBUFHJ MJHHFS PDLTl BUU TMVUMJHFO Gl CPSU LPOUBOUFSOB GSlO LPOUPSFO %FO CBOL TPN MJHHFS MjOHTU GSBN J EFOOB VUWFDLMJOH jS 4&# TPN OV HBOTLB TOBCCU UzNNFS TJOB LPOUPS Ql LPOUBO UFS "W CBOLFOT DJSLB LPOUPS IBS J NBST ESZHU FO GFNUFEFM HlUU JGSlO EFO USBEJUJPOFMMB LBTTBO ,POUBOUFS LBO Ql EFTTB LPOUPS CBSB UBT VU WJB BVUPNBUFS "OUBMFU LPOUBOU MzTB LPOUPS TLB FOMJHU QMBOFSJOHFO EVCCMBT VOEFS lS "OUBMFU VUUBHTBVUPNBUFS IBS jOOV JOUF TKVOLJU NFO ESJWLSBGUFSOB GzS BUU NJOTLB NjOHEFO LPOUBOUFS J 4WFSJHF jS TUBSLB #SBOTDIPSHBOJTBUJPOFO 4WFOTL )BOEFM IBS CzS KBU ESJWB GSlHBO PN BWHJGUFS GzS BVUPNBUVUUBH PDI 3JLT CBOLFO jS JOOF Ql TBNNB MJOKF 4BNUJEJHU IBS 4XFECBOL FUU BWUBM NFE *DB TPN JOOFCjS BUU CBOLFOT LVOEFS LBO UB VU QFOHBS J *DBT CVUJLFS PDI WJ MjS Gl TF ¿FS BWUBM BW EFO UZQFO &O UJUU Ql 4XFECBOLT #BOLLPSU 7JTB HFS FO MFEUSlE PN CBOLFSOBT TUSBUFHJ ,PSUFU LPTUBS LSPOPS QFS lS KjNGzSU NFE LSPOPS GzS EFU WBOMJHB CBOLLPSUFU NFO IBS CBSB UPMW GSJB VUUBH QFS lS %jSFGUFS LPTUBS WBSKF VUUBH UJP LSPOPS )zHB BWHJGUFS Ql LPSU NFE PCFHSjOTBEF VUUBH PDI MlHB BW HJGUFS Ql LPSU NFE FUU CFHSjOTBU BOUBM VUUBH jS FUU TjUU BUU Ql TJLU GzSTzLB Gl CPSU VUUBHTBVUPNBUFSOB WJMLFU TLVMMF zLB CBOLFSOBT WJOTUFS GSlO USBOTBLUJPOTLPOUPOB ZUUFSMJHBSF .JO HJTTOJOH jS BUU WJ J 4WFSJHF JOPN FUU QBS lS IBS BW HJGUFS Ql BVUPNBUVUUBH Vilken bank borde ta hand om mina pengar? %FU jS JOHFO UWFLBO PN BUU NBKPSJUFUFO BW TUPSCBOLFSOBT LVOEFS TLVMMF UKjOB Ql BUU CZUB CBOL &OCBSU OjS EFU HjMMFS USBOTBLUJPOTLPOUPO ¾OOT NlOHB IVOESBMBQQBS JCMBOE UVTFOMBQQBS BUU TQBSB QFS lS %FU HjMMFS ClEF BWHJGUFS PDI VUFCMJWFO SjOUB jWFO PN SjOUFMjHFU GzS OjSWBSBOEF jS Tl MlHU BUU jWFO OJTDICBOLFSOBT MzOFLPOUPO IBS MlHB SjOUPS "UU TPN TUPSCBOLTLVOE GzSTjLSB TJH PN BUU NBO JOUF CF 24 B AN K BL U F F E N
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GÖR BANKEN GLAD OCH BETALA MED KREDITKORT NÄSTAN ALLA SVENSKAR CFUBMBS NFE LPSU PDI NlOHB BO
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FO CMFW TUBSUTLPUUFU GzS GzSFUBHFU %JOFST $MVC %F GzSTUB LPSUFO WBS NZDLFU SJLUJHU J QBQQ NFE OBNOFU Ql LPSUJOOF IBWBSFO Ql GSBNTJEBO Ql CBLTJEBO GBOOT FO MJTUB Ql EF SFTUBVSBOHFS J /FX :PSL TPN HPELjOEF LPSUFU 3FEBO TQSFET EFU UJMM BOESB EFMBS BW 64" PDI UJP lS TFOBSF LPN EFU GzSTUB QMBTULPSUFU #FLWjNMJHIFU IBS BMMUTl WBSJU FO ESJWBOEF GBLUPS CBLPN LSFEJULPSUFOT VUCSFEOJOH NFO EFU ¾OOT PDLTl FUU BOOBU TLjM UJMM EFU GzSjOESBEF CFUBMNzOTUSFU #BOLFSOB ESJWFS Ql VUWFDLMJOHFO FGUFSTPN EF GzSFESBS LPSUCFUBMOJOHBS GSBN GzS LPOUBOU CFUBMOJOH )FMB BQQBSBUFO NFE LPOUBOUFS jS EZS GzS EFN QFOHBS TLB GPSTMBT GSlO CVUJLFS WJB LPOUBOU IBOUFSJOHTGzSFUBH JO UJMM CBOLFO PDI TFEBO USBOTQPSUFSBT VU JHFO UJMM VUUBHTBVUPNBUFS PDI CVUJLFS &O LPSUCFUBMOJOH LSjWFS JOHB GZTJTLB QFOHBS WJMLFU HzS IBOUFSJOHFO NZDLFU CJMMJHBSF 'jSSF LPOUBOUFS J PNMPQQ NJOTLBS PDLTl JOUSFTTFU GzS SlO NPU CVUJLFS PDI WjSEF USBOTQPSUFS 'zS CBOLFSOB ¾OOT EFU BMMUTl NlOHB GzSEFMBS NFE LPSUFO PDI TUPSB QFOHBS IBS HFOPN lSFO JOWFTUFSBUT J EF EBUBTZTUFN TPN IBOUFSBS LPSUCFUBMOJOHBSOB PDI Tj LFSIFUFO LSJOH EFN 'SlHBO jS PN EFU CBSB jS CBOLFSOBT PWJMKB BUU IBOUFSB LPOUBOUFS TPN GzSLMBSBS EFU TUPSB JOUSFTTFU GzS LPSUCFUBM OJOHBS FMMFS PN CBOLFSOB UKjOBS QFOHBS Ql LPSUFO %FU WPSF KV MPHJTLU GzS CBOLFSOB BUU IlMMB OFSF BWHJGUFS OB GzS BUU Ql Tl TjUU QlTLZOEB zWFSHlOHFO GSlO LPOUBOUFS UJMM LPSUCFUBMOJOHBS .FO GVOHFSBS EFU Tl -lU PTT HSBOTLB EF BWHJGUFS TPN CBOLFSOB UBS VU En guide till kortdjungeln 'zS BUU GzSTUl CBOLFSOBT ESJWLSBGU NlTUF NBO LjOOB UJMM TLJMMOBEFO NFMMBO PMJLB LPSU #BOLFO UKjOBS OjNMJHFO PMJ LB NZDLFU QFOHBS CFSPFOEF Ql WJMLFU LPSU TPN BOWjOET )jS jS FO LPSUGBUUBE CFTLSJWOJOH BW EF LPSU TPN TWFOTLB CBOLFS FSCKVEFS
G Ö R B A N K E N G LA D 27
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Bank
Maestro Världsnatur Maestro Visa Visa 2
Swedbank Swedbank Swedbank Swedbank
195 220 220 50
Visa Maestro
SEB SEB
250 180
Frikort* Maestro Visa/Mastercard
Handelsbanken Handelsbanken Handelsbanken
0* 150 250
Visa** Mastercard** Visa Electro**
Nordea Nordea Nordea
28 B AN K BL U F F E N
Ã…rsavgift, kronor
144–288** 144–288** 144–288**
* Handelsbanken är den enda banken som erbjuder ett kort utan ürsavgift, Frikortet. Banken tar dock 10 kronor i avgift när Frikortet används fÜr uttag i andra bankers automater. ** Nordea har ett rankningssystem som ger lägre avgifter fÜr plus- respektive fÜrmünskunder. Källa: Swedbank, SEB, Nordea och Handelsbanken.
%FU LPNCJOFSBEF CFUBM PDI LSFEJULPSUFU jS EFU WBOMJHBTUF CMBOE LPSUFO TPN FSCKVEFS LSFEJULzQ )jS MJTUBT EF WBOMJ HBTUF LSFEJULPSUFO PDI EFSBT BWHJGUFS Kreditkort
Bank
Mastercard Världsnatur Mastercard
Swedbank Swedbank
Ă…rsavgift, kronor
Mastercard Eurocard Gold Eurocard Platinum
SEB SEB SEB
195 525 1500
Allkort Platinum
Handelsbanken Handelsbanken
250 1900
Mastercard Silver* Visa Guld Mastercard Platinum
Nordea Nordea Nordea
195 220
160–320 0–470 ingen uppgift
* Nordea har ett rankningssystem som ger lägre avgifter fÜr plus- respektive fÜrmünskunder. Källa: Swedbank, SEB, Nordea och Handelsbanken.
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NFS J BWHJGU jO FUU CBOLLPSUTLzQ 4FY HlOHFS NJMKPOFS jS NJMKPOFS Det gรคller att fรฅ upp ยปkreditkortspenetrationenยซ .FE FO TlEBO TUPS TLJMMOBE WFSLBS EFU OjTUBO PSJNMJHU BUU CBOLFSOB JOUF TLVMMF GBMMB GzS GSFTUFMTFO BUU GPLVTFSB Ql LSFEJULPSU J TJO NBSLOBETGzSJOH 0DI EFO CBOL TPN IBS NFTU BUU UKjOB Ql FO TlEBO VUWFDLMJOH jS KVTU 4XFECBOL TPN IBS NFMMBO PDI QSPDFOU BW EFO TWFOTLB NBSLOB EFO GzS LPSUJOMzTFO .FO 4XFECBOL GzSOFLBS CFTUjNU BUU EFU ยพOOT OlHPO TlEBO TUSBUFHJ JOPN CBOLFO ยจ%FU jS IFMU PDI IlMMFU LVOEFOT WBM WJ IBS JOHFO ESJW LSBGU lU EFU FOB FMMFS BOESB IlMMFU PDI WJ jS KV PDLTl EFO TWFOTLB CBOL TPN IBS ยฟFTU CBOLLPSUยง TjHFS "OOB 4VOE CMBE Ql 4XFECBOL (SPVQ $PNNVOJDBUJPOT .FO J FO QSFTFOUBUJPO GzS JOUFSOBUJPOFMMB BLUJFJOWFTUF SBSF TPN KBH IJUUBS Ql 4XFECBOLT XFCCQMBUT HFT FO BO OBO CJME BW CBOLFOT QMBOFS GzS LPSUWFSLTBNIFUFO 4FEBO IBS 4XFECBOL FUU TBNBSCFUF JOPN LPSU NFE CSJUUJTLB CBOLFO #BSDMBZT EF ClEB CBOLFSOB jHFS HFNFO TBNU GzSFUBHFU &OUFSDBSE TPN TLzUFS 4XFECBOLT TUSBUFHJ BSCFUF PDI NBSLOBETGzSJOH JOPN LPSU ยจ&OUFSDBSE EFยพOJFSBS PN FSCKVEBOEFU UJMM LSFEJULPSUT LVOEFOยง TUlS EFU J EFO QSFTFOUBUJPO TPN WJDF WE ,KFMM )FE NBO HKPSEF J NBST )jS CFSjUUBT BUU &OUFSDBSE IBS GlUU FO ยจCSB TUBSUยง PDI BUU GzSFUBHFU IBS ยจBHHSFTTJWB QMBOFS GzS GSBNUJEFOยง 4PN FUU CFWJT Ql GSBNHlOHBSOB QPjOHUF SBS 4XFECBOL BUU &OUFSDBSE NFMMBO PDI HlUU GSlO GFNUF UJMM USFEKF QMBUT J 4WFSJHF WBE HjMMFS VUHJWOJOH BW LSFEJULPSU ,KFMM )FENBO WJTBS PDLTl FUU EJBHSBN TPN JMMVTUSFSBS IVS BOUBMFU VUHJWOB LSFEJULPSU TUJHJU LSBGUJHU TFEBO NBO TUBSUBEF TBNBSCFUFU JOPN &OUFSDBSE &UU BCFS GzS &OUFS DBSE jS FNFMMFSUJE BUU TWFOTLBS JOUF BOWjOEFS LSFEJULPSU J TBNNB VUTUSjDLOJOH TPN BOESB WjTUFVSPQnFS EFO Tl LBM MBEF ยจQFOFUSBUJPOFO GzS LSFEJULPSUยง jS MjHSF J 4WFSJHF G ร R B A N K E N G LA D 35