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CRDB Bank charges ni usanii au utaratibu wao

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Hofstede, Feb 10, 2010.

  1. H

    Hofstede JF-Expert Member

    #1
    Feb 10, 2010
    Joined: Jul 15, 2007
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    Nimekuwa nikitumia CRDB savings account kwa muda mrefu sasa. Kabla ya kujiuinga na online banking services nilikuwa sifahamu kuwa hawa jamaa charges zao ni too much. Nimefuatilia Bank statement yangu online nimegundua kuwa hawa jamaa charges ni mara dufu kiasi kwamba hata majina mengine ya charges ni kama yanafanana

    Mfano ndani ya mwezi mmoja tu nimekatwa charges zifuatazo

    1. Service fees x 2 @ 1,400 = 2,400
    2. ATM withdrawal fee x 4 @ 400 = 1,600
    3. Commission x 2 @ 1,200 = 2,400
    4. Card Fee 3,000
    5. Internet banking fees = 1,000

    At the same time, I have never seen anything credited as interest earned.

    My take: I know that banks operate on fees charged to customers and interest charged to their borrowers, but on the side of customers, why shouldn't they be clear on their forms about these charges, apart from ATM which I agree with them on the charges per transaction.

    Mngekuwa na packages za huduma na charges zake bila kuwa na huu mlolongo wa makato ambayo mengine ni kama vile yanafanana( Mfano Service fee (should include all services eg, ATM, Card fees, Internet banking fees) kwani hizi zote ni huduma tu. Silalamikii kiasi wanachokata bali nalalamikia majina ya makato ambayo yanafana ni kama usanii vile, next time wataanzisha bank building fee, Security services fee, TV screen in bank fees, Music in the bank fee, Customer care fee etc. hebu CRDB kuweni serious acheni kuwa na mlolongo wa makato yanayofanana, Why not saying service fee TZS 10,000 pm that's all
     
  2. Cynic

    Cynic JF-Expert Member

    #2
    Feb 11, 2010
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    Hawa CRDB hata mimi siwaelewi. Kwa mfano iioni tofauti kati ya ATM withdrawal fee na Card Fee (Matumizi ya Card ni ku withdraw hela kwenye ATM!). Ni wizi wa kinamna. Kumbe ndo maana niliwahi kuweka kiasi kikubwa cha hela kwenye savings acc nilipocheck baada ya miaka miwili nikakuta hela zimepungua.
     
  3. Tripo9

    Tripo9 JF-Expert Member

    #3
    Feb 11, 2010
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    Mi nnampango wa kuwakacha niende standard charterd bank. Am not sure usanii wa stnd chatd ukoje but crdb nami wamenichosha siku nyingi
     
  4. Nsemwas Junior

    Nsemwas Junior Senior Member

    #4
    Feb 15, 2010
    Joined: Oct 23, 2009
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    Its true charges ziko juu mno,even if they give you interest say 4% per annum,you will not be able to enjoy because the charges are so high so that they offset the interest accrued in an account and even go further than that by debiting the account.It is the same case in loan application procedures,they tell you the interest charged for a certain personal loan is for instance 19% but the other charges they attach to your loan application procedures they make a loan of about 26% to 28% interest up to the last stage of loan disbursement.These banks are so tricky,got to dig some more information on how they operate,utagundua vitu vingi.
     
  5. S

    S. S. Phares JF-Expert Member

    #5
    Feb 15, 2010
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    Ni mpaka pale kutakapokuwa na Consumer Association zenye nguvu ndipo hizi banks na makampuni mengine kama ya simu wataanza kusikiliza Wateja.
     
  6. Kimbweka

    Kimbweka JF-Expert Member

    #6
    Feb 15, 2010
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    Hiyo internet banking unajiungaje nayo?
     
  7. B

    Boney E.M. JF-Expert Member

    #7
    Feb 15, 2010
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    Ukweli CRDB wananyonya wateja kupitia hizo monthly charges zao kwenye Account. Mimi nimewafungulia watoto wangu akaunti zao ila tumeshangaa zimepungua mno mpaka inatisha. Watoto wenyewe wamesema bora kufunga hizo akaunti kabisa.
     
  8. k

    kosamfe Member

    #8
    Feb 15, 2010
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    Kwa ufahamu wangu Savings account huwa haina service charge kwani hii ni aina ya ku-mobile savings kwa interest ndogo na ku-kopesha wengine kwa interest ya juu (traditional role ya banks). Hapo ndipo wanapaswa kupatia faida yao na si vinginevyo, huo unaofanywa ni uonevu na usanii wa kutufanya sisi kuwa hatufahamu kitu
     
  9. Kimbweka

    Kimbweka JF-Expert Member

    #9
    Feb 15, 2010
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    duh mkuu umenikatisha tamaa nilikuwa mbioni kufungulia machalii wangu akaunti CRDB kama ndo zinapungua hiyo saving ipo wapi sasa ! Mwenye kujua benki nzuri ya kufungulia watoto akaunti naomba atujuze na taratibu zote
     
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