9789170374661

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.

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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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G Ö R B A N K E N G LA D 27

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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.

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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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