Paid too much in account fees? Get them back

Did your bank raise the account maintenance fees without you actively agreeing, on the motto 'whoever does not object agrees'? The Federal Court of Justice declared such clauses ineffective. You can reclaim fees paid in excess.

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Your chances of getting your money back

Fee increases based solely on a 'deemed consent' (silence equals consent) are ineffective according to the BGH. Extra fees charged on this basis, you can reclaim.

As a rule, what was overpaid within the limitation period (3 years) is reclaimable. A new, express consent to prices can end the claim for the future.

What you should do now

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1. Check your account statements
See which fees were raised and when, and whether you ever actively agreed.
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2. Demand repayment
Ask the bank in writing to refund the ineffectively raised fees, with a deadline and a reference to the BGH case law.
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3. Mind the limitation
Assert the claim promptly so that older amounts do not become time-barred (regularly 3 years).
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4. If refused
If the bank does not help, you can consider the banks' conciliation body or legal steps.

Frequently asked questions

Which fees can I reclaim?

Those raised through a mere deemed consent, without you actively agreeing. The BGH declared this practice ineffective. If you later expressly agreed, that applies for the time thereafter.

How far back can I claim?

As a rule within the three-year limitation period. So make your claim promptly so that older amounts are not lost to you.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.