{"id":54971,"date":"2020-09-11T12:02:13","date_gmt":"2020-09-11T10:02:13","guid":{"rendered":"https:\/\/www.asufin.com\/?page_id=54971"},"modified":"2022-06-27T05:31:24","modified_gmt":"2022-06-27T05:31:24","slug":"comisiones-bancarias","status":"publish","type":"page","link":"https:\/\/staging.asufin.com\/staging\/reclama\/comisiones-bancarias\/","title":{"rendered":"Comisiones Bancarias"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"54971\" class=\"elementor elementor-54971\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eed2bf9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eed2bf9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d67a12e\" data-id=\"2d67a12e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3497592c elementor-widget elementor-widget-heading\" data-id=\"3497592c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Comisiones Bancarias<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f037002 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f037002\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abaeb28\" data-id=\"abaeb28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d5fafe6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d5fafe6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4fbf0db\" data-id=\"4fbf0db\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d66792 elementor-widget elementor-widget-text-editor\" data-id=\"0d66792\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Las\u00a0<\/span><b>comisiones bancarias son libres<\/b><span style=\"font-weight: 400;\">\u00a0pero deben estar pactadas con el cliente y corresponder a servicios expresamente solicitados y efectivamente prestados o gastos habidos (transferencias, cambio de divisas, administrar una cuenta, tarjeta de cr\u00e9dito\u2026).\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Sin embargo, existen <\/span><b>comisiones que se han declarado nulas en los tribunales por su opacidad y falta de transparencia<\/b><span style=\"font-weight: 400;\">, porque suponen una duplicidad de cargos o porque no corresponden a ning\u00fan servicio concreto.<\/span><\/p><p>MODIFICAR LAS COMISIONES<\/p><p><span style=\"font-weight: 400;\">Asimismo, cabe destacar la posibilidad que tienen las entidades financieras de <\/span><b>modificar la cuant\u00eda de sus comisiones o la periodicidad de su liquidaci\u00f3n<\/b><span style=\"font-weight: 400;\">, eso s\u00ed, cumpliendo unas concretas exigencias: comunicaci\u00f3n individualizada al cliente con al menos<\/span><b> 2 meses de preaviso<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Por otra parte, la <\/span><b>Circular 2\/2019 <\/b><span style=\"font-weight: 400;\">gener\u00f3 nuevas obligaciones informativas para las entidades, con el fin de permitir la comparabilidad de las comisiones que afectan a los servicios asociados a cuentas de pago. En concreto, se exige a las entidades que utilicen una terminolog\u00eda y unos documentos normalizados en toda la informaci\u00f3n que faciliten al cliente, tanto en fase precontractual como contractual, todo ello para que <\/span><b>los consumidores puedan f\u00e1cilmente comparar las condiciones ofertadas por varias entidades<\/b><span style=\"font-weight: 400;\"> y as\u00ed elegir la opci\u00f3n que mejor se ajuste a sus necesidades.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9936fdb elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"9936fdb\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/panel.asufin.com\/signup\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">RECLAMA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-32aa5b4\" data-id=\"32aa5b4\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-41d23901 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41d23901\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-74b2f6bd\" data-id=\"74b2f6bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b43b002 elementor-widget elementor-widget-heading\" data-id=\"4b43b002\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 son las comisiones bancarias?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-307f1894\" data-id=\"307f1894\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3df2055 elementor-widget elementor-widget-text-editor\" data-id=\"3df2055\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Las\u00a0<\/span><b>comisiones bancarias son libres<\/b><span style=\"font-weight: 400;\">\u00a0pero deben estar pactadas con el cliente y corresponder a servicios expresamente solicitados y efectivamente prestados o gastos habidos (transferencias, cambio de divisas, administrar una cuenta, tarjeta de cr\u00e9dito\u2026).\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Sin embargo, existen <\/span><b>comisiones que se han declarado nulas en los tribunales por su opacidad y falta de transparencia<\/b><span style=\"font-weight: 400;\">, porque suponen una duplicidad de cargos o porque no corresponden a ning\u00fan servicio concreto.<\/span><\/p><p>MODIFICAR LAS COMISIONES<\/p><p><span style=\"font-weight: 400;\">Asimismo, cabe destacar la posibilidad que tienen las entidades financieras de <\/span><b>modificar la cuant\u00eda de sus comisiones o la periodicidad de su liquidaci\u00f3n<\/b><span style=\"font-weight: 400;\">, eso s\u00ed, cumpliendo unas concretas exigencias: comunicaci\u00f3n individualizada al cliente con al menos<\/span><b> 2 meses de preaviso<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Por otra parte, la <\/span><b>Circular 2\/2019 <\/b><span style=\"font-weight: 400;\">gener\u00f3 nuevas obligaciones informativas para las entidades, con el fin de permitir la comparabilidad de las comisiones que afectan a los servicios asociados a cuentas de pago. En concreto, se exige a las entidades que utilicen una terminolog\u00eda y unos documentos normalizados en toda la informaci\u00f3n que faciliten al cliente, tanto en fase precontractual como contractual, todo ello para que <\/span><b>los consumidores puedan f\u00e1cilmente comparar las condiciones ofertadas por varias entidades<\/b><span style=\"font-weight: 400;\"> y as\u00ed elegir la opci\u00f3n que mejor se ajuste a sus necesidades.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ca4665 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-height-default elementor-section-height-default\" data-id=\"6ca4665\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2e4f7c9a\" data-id=\"2e4f7c9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76774aae elementor-widget elementor-widget-text-editor\" data-id=\"76774aae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #eb2b8e;\"><b>Educaci\u00f3n\u00a0<\/b><\/span>financiera<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d261568 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3d261568\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Estudios ASUFIN: comisiones bancarias<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/ESTUDIO_COMISIONES_MARZO_2020.pdf\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Descargar Estudio Completo<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banco de Espa\u00f1a<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Glosario Comisiones bancarias<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7f1544c6\" data-id=\"7f1544c6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12bed8d5 elementor-widget elementor-widget-text-editor\" data-id=\"12bed8d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Te ayudamos a reclamar cualquier comisi\u00f3n bancaria improcedente<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9755284 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9755284\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-36cc2a9\" data-id=\"36cc2a9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a244a07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a244a07\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dbae750\" data-id=\"dbae750\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b483b59 elementor-tablet-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b483b59\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Estudios ASUFIN: comisiones bancarias<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/ESTUDIO_COMISIONES_MARZO_2020.pdf\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Descargar Estudio Completo<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banco de Espa\u00f1a<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Glosario Comisiones bancarias<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7cbb4e2\" data-id=\"7cbb4e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-87bd929 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"87bd929\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2af2df7\" data-id=\"2af2df7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57a76bf elementor-widget elementor-widget-text-editor\" data-id=\"57a76bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">\u00bf<b>C\u00f3mo <\/b>reclamar?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4551b3 elementor-widget elementor-widget-text-editor\" data-id=\"e4551b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En ASUFIN tenemos formularios de reclamaci\u00f3n gratuitos para nuestros socios. Muchas veces la entidad devuelve el dinero con la mera reclamaci\u00f3n al servicio de atenci\u00f3n al cliente (SAC) o, en su caso, al Banco de Espa\u00f1a.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7cd2a2 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a7cd2a2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/staging.asufin.com\/staging\/contacto\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONT\u00c1CTANOS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5354b861 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5354b861\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68aa5f5e\" data-id=\"68aa5f5e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10eca490 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"10eca490\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #eb2b8e;\"><b>\u00bfQu\u00e9 comisiones <\/b><\/span>se pueden reclamar?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a52f91b elementor-widget elementor-widget-toggle\" data-id=\"7a52f91b\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2051\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2051\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Comisi\u00f3n por Testamentar\u00eda<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2051\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2051\"><p>El <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/podemosayudarte\/criterios\/comision-por-tramitacion-de-testamentaria.html\" target=\"_blank\" rel=\"noopener\">Banco de Espa\u00f1a<\/a> recuerda que l<span style=\"color: var( --e-global-color-text ); font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">a comisi\u00f3n por testamentar\u00eda&nbsp;<\/span><b style=\"color: var( --e-global-color-text ); font-size: 1rem;\">s\u00f3lo se puede cobrar si la entidad presta un servicio de asesoramiento similar al que har\u00eda un profesional externo<\/b><span style=\"color: var( --e-global-color-text ); font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">. Y para ello, adem\u00e1s, ser\u00e1 preciso que los herederos sean informados previamente de la comisi\u00f3n a cobrar por la entidad y acepten ese servicio.&nbsp;<\/span><\/p>\n<p><span style=\"color: var( --e-global-color-text ); font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">En muchos casos, sin embargo, los propios herederos recaban la documentaci\u00f3n necesaria por su cuenta o sirvi\u00e9ndose de profesionales externos como un notario, abogado o gestor\u00eda. As\u00ed, una vez presentada, la entidad se limita a realizar una mera comprobaci\u00f3n que los legitima para ejercer sus derechos. <\/span><span style=\"color: var( --e-global-color-text ); font-size: 1rem;\"><b>En este caso, la entidad no puede cobrar nada<\/b><\/span><span style=\"color: var( --e-global-color-text ); font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2052\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2052\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Comisi\u00f3n de Apertura<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2052\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2052\"><p><span style=\"font-weight: 400;\">Comisi\u00f3n que retribuye a la entidad por las <strong>gestiones administrativas realizadas para formalizar una operaci\u00f3n<\/strong> (v\u00edd.\u00a0<\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/Comision_de_apertura.html?producto=\/webcb\/ServiciosProductosBancarios\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banco de Espa\u00f1a<\/span><\/a><span style=\"font-weight: 400;\">). La m\u00e1s com\u00fan es la de apertura de pr\u00e9stamo hipotecario, que normalmente se trata de un porcentaje sobre el importe de la operaci\u00f3n, con un m\u00ednimo. Hay\u00a0tribunales que consideran que solo se justifica si la entidad acredita que se ha realizado una prestaci\u00f3n efectiva de un servicio de estudio, de tramitaci\u00f3n administrativa y de obtenci\u00f3n de fondos y puesta a disposici\u00f3n del cliente, ajust\u00e1ndose as\u00ed a la Circular 5\/2012 del Banco de Espa\u00f1a.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2053\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2053\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n de Cancelaci\u00f3n Anticipada<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2053\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2053\"><p><span style=\"font-weight: 400;\">Comisi\u00f3n que retribuye los tr\u00e1mites administrativos correspondientes a las actuaciones que debe realizar la entidad para poner fin a una operaci\u00f3n que ten\u00eda un plazo definido de duraci\u00f3n antes de que llegue el vencimiento pactado en el contrato (v\u00edd.\u00a0<\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/Comision_de_can_f12a5c9809cbe51.html?producto=\/webcb\/ServiciosProductosBancarios\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banco de Espa\u00f1a<\/span><\/a><span style=\"font-weight: 400;\">). <strong>Compensa a la entidad por lo que deja de ganar al no poder seguir cobrando intereses o comisiones<\/strong>.<\/span><\/p><p><span style=\"font-weight: 400;\">En nuestra opini\u00f3n, se genera una duplicidad con la comisi\u00f3n de compensaci\u00f3n de riesgo de tipos de inter\u00e9s.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2054\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2054\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n Compensaci\u00f3n de Riesgo de Tipos de Inter\u00e9s<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2054\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2054\"><p><span style=\"font-weight: 400;\">Comisi\u00f3n pactada que depende de si la cancelaci\u00f3n genera una ganancia o una p\u00e9rdida de capital a la entidad (v\u00edd.\u00a0<\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/Compensacion_po_382a5c9809cbe51.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banco de Espa\u00f1a<\/span><\/a><span style=\"font-weight: 400;\">).\u00a0<\/span><b>Esta compensaci\u00f3n se est\u00e1 aplicando en pr\u00e1cticamente la totalidad de las\u00a0hipotecas fijas y mixtas, alcanzando\u00a0un 5% de inter\u00e9s.<\/b><\/p><p><span style=\"font-weight: 400;\">La normativa ha evolucionado en los \u00faltimos a\u00f1os, dependiendo de la fecha de la firma se aplica los siguientes par\u00e1metros:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Antes del 9.12.2007 \u2013 1% por cancelaci\u00f3n. 0% subrogaci\u00f3n<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Despu\u00e9s del 9.12.2007 (<\/span><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2007-21086\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Ley 41\/2007<\/span><\/a><span style=\"font-weight: 400;\">) \u2013 0,5% los primeros 5 a\u00f1os, 0,25% despu\u00e9s.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Despu\u00e9s del 16.06.2019\u00a0<\/span><a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2019-3814\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">(Ley 5\/2019 \u2013 LCCI)<\/span><\/a><span style=\"font-weight: 400;\">\u2013 0,25% a\u00f1os 1-3, 0,15% a\u00f1os 4-5, 0% despu\u00e9s<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Desde\u00a0ASUFIN\u00a0venimos denunciando la complejidad del c\u00e1lculo, similar al de un derivado financiero (swap), para determinar si se aplica o no esta comisi\u00f3n. En efecto, para saber si se aplica esta comisi\u00f3n, habr\u00e1 que calcular el \u2018valor de mercado\u2019 de la hipoteca, un c\u00e1lculo que no est\u00e1 al alcance de un consumidor medio. Por todo ello, ya hay\u00a0sentencias que declaran la nulidad de esta comisi\u00f3n\u00a0y los consumidores han podido recuperar f\u00e1cilmente entre 1.000 y 5.000 euros.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2055\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2055\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n Descubierto<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2055\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2055\"><p><span style=\"font-weight: 400;\">El descubierto es una facilidad crediticia concedida por la entidad al titular de una cuenta. Y es <strong>\u00e9sta, y no el cliente, quien decide su apertura<\/strong> (permitir cargos por encima del saldo contable de la cuenta).\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">La comisi\u00f3n de descubierto es distinta a la comisi\u00f3n por reclamaci\u00f3n de posiciones deudoras, pues remunera un servicio distinto. Mientras la segunda hace frente a los costes asumidos por la entidad para recuperar el saldo deudor, la primera remunera la facilidad crediticia que ofrece la entidad. As\u00ed, la comisi\u00f3n por descubierto tiene un l\u00edmite: <strong>La TAE no puede ser superior a 2,5 veces el inter\u00e9s legal del dinero.<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\">Finalmente, y en aras de la mayor transparencia de la entidad hacia su cliente, siempre <strong>se debe facilitar la liquidaci\u00f3n de esta comisi\u00f3n<\/strong>, con los d\u00edas de descubierto.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2056\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2056\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n o gasto de reclamaci\u00f3n de posiciones deudoras<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2056\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2056\"><p><span style=\"font-weight: 400;\">Se trata de una comisi\u00f3n que tiene por objeto<strong> resarcir a la entidad por los costes incurridos en la recuperaci\u00f3n de las posiciones deudoras o \u201cn\u00fameros rojos<\/strong>\u201d. El Tribunal Supremo la declar\u00f3 nula en octubre de 2019. Sin embargo, existen unos concretos criterios para su correcta aplicaci\u00f3n:<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Debe estar prevista en la informaci\u00f3n precontractual y contractual entregada al cliente, con el importe concreto, que debe ser acorde a los costes efectivamente soportados (podr\u00e1 ser distinto en funci\u00f3n del canal empleado, especific\u00e1ndose cada uno de ellos).<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Utilizarse el canal adecuado para las comunicaciones, guardando proporci\u00f3n con el saldo reclamado, pudiendo establecerse umbrales de deuda m\u00ednimos exentos de aplicaci\u00f3n de esta comisi\u00f3n. Las comunicaciones deber\u00e1n ser respetuosas con la privacidad del cliente.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Incompatibilidad de este gasto con otras penalizaciones.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Solo se cobrar\u00e1 una comisi\u00f3n por cada saldo impagado, aunque se prorrogue en el tiempo y se necesiten sucesivas reclamaciones.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Se deber\u00e1 informar de ese gasto con car\u00e1cter previo a su cargo, preferiblemente en la propia comunicaci\u00f3n de la deuda.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Finalmente, cabe destacar que en el<\/span><a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/ESTUDIO_COMISIONES_MARZO_2020.pdf\" target=\"_blank\" rel=\"noopener\">\u00a0ESTUDIO ASUFIN: COMISIONES BANCARIAS<\/a><span style=\"font-weight: 400;\">, se pon\u00eda de manifiesto que esta comisi\u00f3n pod\u00eda llegar a suponer el\u00a010.000% TAE.\u00a0<\/span><b>El cobro de esta comisi\u00f3n se hace efectivo a las 48 horas del descubierto<\/b><span style=\"font-weight: 400;\">\u00a0y ronda unos 40 euros de media, desde los 30 euros de BBVA y Deutsche Bank hasta los 50 y 49 euros de Liberbank y Banco Santander.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2057\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2057\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n Ingreso Ventanilla<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2057\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2057\"><p><span style=\"font-weight: 400;\">Tal y como indica el Banco de Espa\u00f1a, &#8220;la aceptaci\u00f3n de ingresos en efectivo para abono en una cuenta de la propia entidad receptora constituye una prestaci\u00f3n del servicio de caja, inherente al contrato de cuenta, y, por tanto, no puede ser remunerada de forma independiente. El servicio de caja en estos supuestos se retribuye a trav\u00e9s de la comisi\u00f3n de mantenimiento&#8221;. Por tanto, como regla general, <strong>esta comisi\u00f3n no estar\u00eda permitida, a menos que se pacte con el cliente su cobro<\/strong> cuando el servicio prestado exceda de lo ordinario. <\/span><span style=\"font-weight: 400;\">Ahora bien, el propio regulador considera que s\u00ed es &#8220;un servicio adicional identificar el concepto del ingreso&#8221; por lo que se podr\u00eda cobrar comisi\u00f3n por ello.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">En <strong>ASUFIN<\/strong> no estamos de acuerdo con esta apreciaci\u00f3n y los tribunales ya han dictado sentencias al respecto, como la Sentencia de 10 de octubre de 2017 del Juzgado de lo Mercantil n\u00ba 1 de Vitoria-Gasteiz, que estima que la simple inclusi\u00f3n del concepto, tanto en el justificante como en la anotaci\u00f3n en cuenta, no supone una acci\u00f3n excesiva y fuera del servicio de caja b\u00e1sico.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2058\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2058\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n Mantenimiento<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2058\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2058\"><p><span style=\"font-weight: 400;\">Esta comisi\u00f3n remunera el servicio de caja b\u00e1sico: ingreso y reintegro de efectivo, disposiciones mediante cheque, adeudos e ingresos. Adem\u00e1s, en cuanto a su cobro, es pospagable y de devengo lineal, y en caso de cancelaci\u00f3n de cuenta, \u00fanicamente debe cobrarse la parte proporcional.<\/span><\/p><p><span style=\"font-weight: 400;\">En el <a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/ESTUDIO_COMISIONES_MARZO_2020.pdf\" target=\"_blank\" rel=\"noopener\">ESTUDIO ASUFIN: COMISIONES BANCARIAS<\/a> se pueden consultar los importes que cobran las entidades bancarias en nuestro pa\u00eds, que van desde los 200 euros al a\u00f1o de Banco Sabadell a los 48 euros anuales de CaixaBank.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Sin embargo, cuando se trata de una cuenta instrumental o vinculada, es decir, abierta para realizar los pagos de una hipoteca o recibir los ingresos de un dep\u00f3sito a plazo o producto de inversi\u00f3n, nos encontramos con dos situaciones. Si dicha cuenta fue abierta antes del 2012, no podr\u00e1 suponer coste alguno para su titular, siempre que se destine \u00fanica y exclusivamente para una obligaci\u00f3n de pago o derecho de cobro. A partir del 2012<\/span> <span style=\"font-weight: 400;\">se permite el cobro de comisiones en cuentas que se mantienen abiertas por exigencias de la entidad, pero se debe informar de este extremo al cliente en el momento de contratar el producto principal y las comisiones deben tenerse en cuenta para el c\u00e1lculo de la TAE del citado producto. Adem\u00e1s, estas comisiones no podr\u00e1n modificarse durante toda la vida del producto vinculado.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2059\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2059\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comisi\u00f3n Administraci\u00f3n<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2059\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2059\"><p><span style=\"font-weight: 400;\">Se trata de una comisi\u00f3n vinculada al funcionamiento de la cuenta, consistente en una cuant\u00eda fija por cada apunte que se produce durante el plazo de liquidaci\u00f3n, que suele ser trimestral o semestral. En ocasiones el contrato incluye un n\u00famero determinado de apuntes exentos de cobro (los primeros 10, por ejemplo). La comisi\u00f3n de administraci\u00f3n debe cobrarse \u00fanicamente por apuntes no retribuidos ya con la comisi\u00f3n de mantenimiento, como pueden ser las transferencias (ejecutadas y recibidas) o los adeudos de recibos.<\/span><\/p><p><span style=\"font-weight: 400;\">Por otra parte, seg\u00fan el Banco de Espa\u00f1a, debe tenerse en cuenta la redacci\u00f3n de la cl\u00e1usula contractual de esta comisi\u00f3n para verificar que puede ser entendida por el cliente la existencia de dos comisiones sobre la cuenta, la de mantenimiento y la de administraci\u00f3n.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3dc76f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3dc76f8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8d9238c\" data-id=\"8d9238c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-539805e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"539805e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-557c5cb\" data-id=\"557c5cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-925ce92 elementor-widget elementor-widget-image\" data-id=\"925ce92\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-attachment-id=\"54779\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asociacion_experta_asufin-png\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/ASOCIACION_EXPERTA_ASUFIN.png?fit=156%2C146&amp;ssl=1\" data-orig-size=\"156,146\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"ASOCIACION_EXPERTA_ASUFIN.png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/ASOCIACION_EXPERTA_ASUFIN.png?fit=156%2C146&amp;ssl=1\" width=\"156\" height=\"146\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/ASOCIACION_EXPERTA_ASUFIN.png?fit=156%2C146&amp;ssl=1\" class=\"attachment-large size-large wp-image-54779\" alt=\"\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac80d8d elementor-widget elementor-widget-text-editor\" data-id=\"ac80d8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">ASOCIACI\u00d3N EXPERTA<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7969668 elementor-widget elementor-widget-text-editor\" data-id=\"7969668\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">En la defensa de abusos bancarios de consumidores y usuarios<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d783d20\" data-id=\"d783d20\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fd0e5c elementor-widget elementor-widget-image\" data-id=\"4fd0e5c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-attachment-id=\"54780\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/equipo_profesional_asufin-png\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/EQUIPO_PROFESIONAL_ASUFIN.png?fit=156%2C146&amp;ssl=1\" data-orig-size=\"156,146\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"EQUIPO_PROFESIONAL_ASUFIN.png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/EQUIPO_PROFESIONAL_ASUFIN.png?fit=156%2C146&amp;ssl=1\" width=\"156\" height=\"146\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/EQUIPO_PROFESIONAL_ASUFIN.png?fit=156%2C146&amp;ssl=1\" class=\"attachment-large size-large wp-image-54780\" alt=\"\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8b298c elementor-widget elementor-widget-text-editor\" data-id=\"f8b298c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">EQUIPO PROFESIONAL<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7607b38 elementor-widget elementor-widget-text-editor\" data-id=\"7607b38\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">La asociaci\u00f3n cuenta con un equipo de profesionales expertos comprometidos<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2ad2ad4\" data-id=\"2ad2ad4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b91edbc elementor-widget elementor-widget-image\" data-id=\"b91edbc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-attachment-id=\"54781\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/casos_de_exito_asufin-png\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/CASOS_DE_EXITO_ASUFIN.png?fit=156%2C146&amp;ssl=1\" data-orig-size=\"156,146\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"CASOS_DE_EXITO_ASUFIN.png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/CASOS_DE_EXITO_ASUFIN.png?fit=156%2C146&amp;ssl=1\" width=\"156\" height=\"146\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/CASOS_DE_EXITO_ASUFIN.png?fit=156%2C146&amp;ssl=1\" class=\"attachment-large size-large wp-image-54781\" alt=\"\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc5a1cd elementor-widget elementor-widget-text-editor\" data-id=\"fc5a1cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">CASOS DE \u00c9XITO<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d6a4c9 elementor-widget elementor-widget-text-editor\" data-id=\"0d6a4c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">\u00c9xitos judiciales comparables<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e64ec8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e64ec8f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-285abcb\" data-id=\"285abcb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3de613e elementor-widget elementor-widget-text-editor\" data-id=\"3de613e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">Si tu caso es viable, te presentaremos un presupuesto ajustado, muchas veces <span style=\"color: #eb2b8e;\"><strong>sin coste inicial.\u00a0<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff2147 elementor-widget elementor-widget-text-editor\" data-id=\"2ff2147\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">Presentamos las demandas en defensa de nuestros asociados, siendo as\u00ed la parte actora del procedimiento y evitando el riesgo de condena en costas en caso de perder.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e6b9d9e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6b9d9e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a15674d\" data-id=\"a15674d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2e5736 elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"f2e5736\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/panel.asufin.com\/signup\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">RECLAMA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-842477a\" data-id=\"842477a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65b3342 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"65b3342\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/FICHA_PRODUCTO_COMISION_COMPENSACION_POR_TIPOS_DE_INTERES_2021.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FICHA DE PRODUCTO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d71d29 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d71d29\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d5a8e1f\" data-id=\"d5a8e1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae9d57c elementor-arrows-position-outside anwp-pg-widget-header-style--b anwp-pg-post-teaser__post-icon--size-16 elementor-pagination-position-outside elementor-widget elementor-widget-anwp-pg-classic-slider\" data-id=\"ae9d57c\" data-element_type=\"widget\" data-widget_type=\"anwp-pg-classic-slider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"anwp-pg-wrap\">\n\n\t\n\t<!-- Slider main container -->\n\t<div\n\t\tclass=\"anwp-pg-classic-slider anwp-pg-swiper-wrapper position-static swiper swiper-container anwp-pg-no-transform\"\n\t\tdata-pg-slides-per-view=\"3\"\n\t\tdata-pg-slides-per-view-mobile=\"1\"\n\t\tdata-pg-slides-per-view-tablet=\"2\"\n\t\tdata-pg-slides-per-group=\"1\"\n\t\tdata-pg-slides-per-group-mobile=\"1\"\n\t\tdata-pg-slides-per-group-tablet=\"1\"\n\t\tdata-pg-autoplay=\"yes\"\n\t\tdata-pg-autoplay-delay=\"5000\"\n\t\tdata-pg-space-between=\"20\"\n\t\tdata-pg-effect=\"slide\"\n\t\tdata-pg-show-read-more=\"no\"\n\t\tdata-pg-enable-observer=\"no\"\n\t\tdata-pg-loop=\"no\"\n\t\tdir=\"ltr\"\n\t>\n\t\t<!-- Additional required wrapper -->\n\t\t<div class=\"swiper-wrapper\">\n\t\t\t<!-- Slides -->\n\t\t\t<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"\u00bfPagaste los gastos de tu hipoteca y la comisi\u00f3n de apertura? Nuestros socios recuperan 2.740\u20ac\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/07\/comision_apertura_gastos.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/gastos-comision-apertura-socios-recuperan-2-740\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/gastos-comision-apertura-socios-recuperan-2-740\/\" aria-hidden=\"true\">\n\t\t\t\t\u00bfPagaste los gastos de tu hipoteca y la comisi\u00f3n de apertura? Nuestros socios recuperan 2.740\u20ac\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"\u00bfPagaste la comisi\u00f3n de apertura de tu hipoteca? Nuestra socia recupera 5.505\u20ac\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/07\/Comision-apertura-sentencia-asufin-palma.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/pagaste-comision-de-apertura-socia-recupera-5505\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/pagaste-comision-de-apertura-socia-recupera-5505\/\" aria-hidden=\"true\">\n\t\t\t\t\u00bfPagaste la comisi\u00f3n de apertura de tu hipoteca? Nuestra socia recupera 5.505\u20ac\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"Desde ASUFIN conseguimos que se declaren nulas la cl\u00e1usula suelo, los gastos hipotecarios y la comisi\u00f3n de apertura\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2016\/03\/bbva-1.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/asufin-nulas-suelo-gastos-comision-apertura\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/asufin-nulas-suelo-gastos-comision-apertura\/\" aria-hidden=\"true\">\n\t\t\t\tDesde ASUFIN conseguimos que se declaren nulas la cl\u00e1usula suelo, los gastos hipotecarios y la comisi\u00f3n de apertura\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"La comisi\u00f3n media de la banca por mantener una cuenta sube un 24%, hasta los 174 euros\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/06\/La-comisio%CC%81n-se-encarece.jpeg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/comision-media-banca-sube-un-24-por-mantener-cuenta\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/comision-media-banca-sube-un-24-por-mantener-cuenta\/\" aria-hidden=\"true\">\n\t\t\t\tLa comisi\u00f3n media de la banca por mantener una cuenta sube un 24%, hasta los 174 euros\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"\u00bfQu\u00e9 es la comisi\u00f3n testamentaria por herencia?\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/06\/businessman-examining-papers-at-table-1-scaled.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/comision-testamentaria-por-herencia\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/comision-testamentaria-por-herencia\/\" aria-hidden=\"true\">\n\t\t\t\t\u00bfQu\u00e9 es la comisi\u00f3n testamentaria por herencia?\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"La nulidad de los gastos y de la comisi\u00f3n de apertura hace que nuestros socios recuperen 2.170\u20ac\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2017\/01\/CAIXABANK_EDIFICIO_-2.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/nulidad-gastos-comision-apertura-recuperen-2-170\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/nulidad-gastos-comision-apertura-recuperen-2-170\/\" aria-hidden=\"true\">\n\t\t\t\tLa nulidad de los gastos y de la comisi\u00f3n de apertura hace que nuestros socios recuperen 2.170\u20ac\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\">\n\t\t\t\t\t<svg class=\"anwp-pg-icon anwp-pg-icon--feather 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href=\"https:\/\/staging.asufin.com\/staging\/reclama\/tarjetas\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"54787\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/tarjetas_y_creditos_revoling-jpg\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"TARJETAS_Y_CREDITOS_REVOLING.jpg\" data-image-description=\"\" data-image-caption=\"\" 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href=\"https:\/\/staging.asufin.com\/staging\/reclama\/tarjetas\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"54787\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/tarjetas_y_creditos_revoling-jpg\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"TARJETAS_Y_CREDITOS_REVOLING.jpg\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" width=\"387\" height=\"114\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-54787\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d8eea15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d8eea15\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd58be2\" data-id=\"cd58be2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b5777b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6b5777b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9dba22e\" data-id=\"9dba22e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5226f14 elementor-widget elementor-widget-html\" data-id=\"5226f14\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<iframe src=\"https:\/\/panel.asufin.com\/listafront?l=SEMANAL%20ASUFIN&l1=COMISIONES&p=asufin&l2=COMISIONES%20BANCARIAS\" height=\"550\" frameborder=\"0\" style=\"overflow:none; width: 100%\" allowtransparency=\"true\" ;=\"\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comisiones Bancarias \u00bfQu\u00e9 son las comisiones bancarias? Las\u00a0comisiones bancarias son libres\u00a0pero deben estar pactadas con el cliente y corresponder a servicios expresamente solicitados y efectivamente prestados o gastos habidos (transferencias, cambio de divisas, administrar una cuenta, tarjeta de cr\u00e9dito\u2026).\u00a0 Sin embargo, existen comisiones que se han declarado nulas en los tribunales por su opacidad y [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":54714,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"class_list":["post-54971","page","type-page","status-publish","hentry"],"acf":[],"jetpack_shortlink":"https:\/\/wp.me\/PeayLa-eiD","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/pages\/54971","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=54971"}],"version-history":[{"count":139,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/pages\/54971\/revisions"}],"predecessor-version":[{"id":105073,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/pages\/54971\/revisions\/105073"}],"up":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/pages\/54714"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=54971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=54971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}