Tang thu phi the chat luong co tang

Thứ ba, 10 Tháng chín 2013, 14:40 GMT+7

Mot so nha bang khac dang ram rich thu phi rut tien noi mang tai may ATM. Viec tang phi giup ngan hang co them nguon thu, nhung lieu khach hang co duoc cung cap dich vu the tot hon.

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>> Con 35 ngan hang chua thu phi ATM noi mang

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>> 22 ngan hang khong thu phi ATM noi mang tu 1/3

Theo thong bao cua Vietcombank, phi chuyen khoan cua the ghi no noi dia do Vietcombank phat hanh tai ATM ngoai mang tang tu 3.000 dong len 5.000 dong/giao dich. Muc phi nay chua bao gom 10% thue VAT va ap dung tu ngay 3/9.

"Tan thu" phi?

Theo Bieu khung muc phi dich vu the ghi no noi dia (ban hanh kem Thong tu 35 cua Ngan hang Nha nuoc), muc phi dich vu chuyen khoan dao dong tu 0 den 15.000 dong/giao dich. Viec tang phi chuyen khoan len 5.000 dong/giao dich cua Vietcombank lan nay van nam trong gioi han dieu chinh phi theo quy dinh. Co nghia, ngan hang hoan toan co the tang phi chuyen khoan them gap 3 lan muc hien tai.

Tang thu phi the chat luong co tang

Vietcombank la ngan hang dung dau ve thi phan dich vu the tai Viet Nam

Mot can bo phu trach the cap chi nhanh cua Vietcombank cho biet tu dau thang 9, hoi so da co cong van chi dao cac chi nhanh dieu chinh tang phi doi voi giao dich chuyen khoan qua may ATM tren toan he thong. "Le ra, ngan hang du kien se tang phi chuyen khoan tu thang 3/2013, nhung thoi diem do, da tang phi rut tien noi va ngoai mang roi. Den gio, sau 6 thang, ngan hang moi quyet dinh tang tiep phi chuyen khoan", vi can bo nay noi va cho biet viec dau tu ban dau cho he thong may rut tien, diem dat may cung cac chi phi van hanh, quan ly may… rat ton kem. Nhung suot nhieu nam qua, ngan hang da mien phi giao dich cho cac chu the cua Vietcombank.

Anh Tin (nhan vien o Ha Noi) - mot khach hang su dung the ATM cua Vietcombank, cho biet: "Toi khong bat ngo khi ngan hang tang phi cac dich vu the vi truoc do, ho da tang roi. Phi chuyen khoan tang them 2.000 dong/lan thi cung chi bang gia coc tra da thoi. Van de la chat luong dich vu the co tot hon, thuan tien hon khong?".

Truoc do, theo Thong tu 35 quy dinh ve phi dich vu the, tu ngay 1/3/2013, Vietcombank da ap dung muc phi "kich tran" doi voi mot so giao dich the tai ATM. Cu the, phi rut tien noi mang la 1.000 dong/lan, ngoai mang la 3.000 dong/lan; phi van tin tai khoan la 500 dong/lan... Den dau thang 9, phi chuyen tien tang len 5.000 dong/lan.

Hien nay, Vietcombank la mot trong so it ngan hang dang thuc hien thu phi cac loai giao dich the tai may ATM. Theo cong bo cua Vietcombank, ngan hang nay co mang luoi ATM rong lon voi gan 1.626 may ATM va khoang 11.000 diem chap nhan the tren ca nuoc. He thong may ATM nay khong chi phuc vu cho hon 5 trieu khach hang su dung the ghi no noi dia cua Vietcombank, ma con ca the cua ngan hang khac.

Co cai thien dich vu?

Voi so luong nguoi dung the lon, gia su moi thang, 5 trieu chu the Vietcombank chi phat sinh mot lan rut tien noi mang thi ngan hang thu ve 5 ty dong. Neu phat sinh mot lan chuyen khoan tu tai khoan Vietcombank sang tai khoan ngan hang khac, ngan hang co the thu duoc toi 25 ty dong. Hay noi cach khac, chi can mot lan tang phi chuyen khoan them 2.000 dong, ngan hang "bong dung" co the tang thu gan chuc ty dong. Di nhien, neu chu the giao dich cang nhieu thi so tien phi ngan hang thu duoc cang lon. Ai bao muc phi giao dich the bang "tra da" khong dem lai nguon thu lon cho ngan hang?

Ngoai Vietcombank, mot so ngan hang, nhu: BIDV, Vietinbank, Agribank, Seabank, Sacombank… da va dang ram rich ke hoach thu phi rut tien noi mang qua may ATM. Trong khi do, nhieu ngan hang co vua va nho khac hien van dang mien phi rut tien noi mang cho chu the do so luong the phat hanh va diem rut tien chua nhieu. Doi voi giao dich rut tien ngoai mang, muc phi hien hanh tai mot so ngan hang, nhu: Vietinbank, VP bank… la 3.000 dong/giao dich.

Theo nhieu chu the, viec ngan hang dieu chinh tang phi vai nghin dong cho moi giao dich qua the ATM khong anh huong nhieu den tui tien. Tuy nhien, dieu quan trong la sau moi lan tang phi, chat luong dich vu the co duoc cai thien tot hon khong? Hay la vao cac dip le tet, hang trieu cong nhan van phai chen chuc, xep hang dai cho rut tien? Roi may ATM luon ngung hoat dong, het tien vao ngay cuoi tuan? Tham chi, nhieu khach hang than phien phai "ngam dang nuot cay" khi rut duoc tien xau (rach, thung, chay…) tu cac may ATM.

Ngoai cac loai phi giao dich tai may ATM, nguoi su dung the co the phai tra them nhieu khoan phi phat sinh lien quan den chiec the da nang cua minh. Chang han, khach hang mo the ATM cua Vietcombank tai Ha Noi nhung rut tien tai phong giao dich (cung he thong ngan hang) o dia phuong khac se mat khoan phi la 11.000 dong (ap dung voi mon tien duoi 30 trieu dong). Nhan vien ngan hang giai thich rang day la khoan phi "dieu chuyen tien" trong he thong. Loai phi nay hien dang duoc nhieu ngan hang ap dung.

Trong truong hop the bi may ATM cua ngan hang khac "nuot" the, chu the muon thu hoi ngay the se phai tra khoan phi la 30.000 dong (chua gom 10% VAT). Neu thu hoi the sau 15 ngay, ngan hang moi mien phi.

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