{"id":22149,"date":"2009-01-23T00:00:00","date_gmt":"2009-01-22T23:00:00","guid":{"rendered":"https:\/\/new.barcelonatribuna.com\/otra_banca_es_posible\/"},"modified":"2009-01-23T00:00:00","modified_gmt":"2009-01-22T23:00:00","slug":"otra_banca_es_posible","status":"publish","type":"post","link":"https:\/\/www.amicsdelpais.com\/es\/otra_banca_es_posible\/","title":{"rendered":"Otra banca es posible"},"content":{"rendered":"         <p class=\"link_ariadna\"><a href=\"https:\/\/www.amicsdelpais.com\/es\/publicaciones\">Publicaciones<\/a><\/p>                   <h1 class=\"wp-block-post-title\">Otra banca es posible<\/h1>          <style>.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{column-gap:40px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:24px;grid-template-columns:minmax(0, calc(70% - ((40px * 1 )\/2)))minmax(0, calc(30% - ((40px * 1 )\/2)));}.kb-row-layout-id15198_fd4370-d2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15198_fd4370-d2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15198_fd4370-d2 alignnone header_article_agenda wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">         <style>.kadence-column15198_b1d053-1d > .kt-inside-inner-col,.kadence-column15198_b1d053-1d > 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.kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id15198_57c2d8-c9 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{grid-template-columns:minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id15198_57c2d8-c9 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id15198_57c2d8-c9 alignnone content_article_agenda 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.kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>         <div class=\"wp-block-kadence-column kadence-column15198_459565-82\">             <div class=\"kt-inside-inner-col\">             <div class=\"autor_post wp-block-post-author-name\"><a href=\"https:\/\/www.amicsdelpais.com\/es\/author\/david-rodriguezb\/\" target=\"_blank\" class=\"wp-block-post-author-name__link\">David Rodriguez Borr\u00e0s<\/a><\/div>             <div class=\"summary_post wp-block-post-excerpt\"><p class=\"wp-block-post-excerpt__excerpt\">Art\u00edculo escrito por David Rodr\u00edguez y publicado en Economing El sorteo de Navidad deja cada a\u00f1o postales irrepetibles. La de este a\u00f1o, sin embargo, pone de manifiesto algunas de las carencias de la pol\u00edtica comercial de las entidades financieras, y m\u00e1s concretamente la discrecionalidad en el cobro de comisiones. Uno de los agraciados con la&hellip; <\/p><\/div>                           El sorteig de Nadal cada any deixa postals irrepetibles. La d\u2019aquest any, per\u00f2, posa de manifest algunes de les mancances de la pol\u00edtica comercial de les entitats financeres, i m\u00e9s concretament la discrecionalitat en el cobrament de comissions. Un dels agraciats amb la Grossa mostra la seva llibreta d\u2019estalvis amb els 300.000 euros acabats d\u2019ingressar. Per\u00f2 a la llibreta es mostra com els 70 euros inicials van quedar gaireb\u00e9 en res a causa de comissions de manteniment i diverses.   Tenen dret les entitats banc\u00e0ries a establir comissions per emetre targetes de cr\u00e8dit, cobrar un xec o realitzar una transfer\u00e8ncia? Sobre el paper s\u00ed, ja que estan prestant uns serveis que tenen un cost. Ara b\u00e9, quin \u00e9s el cost real d\u2019una transfer\u00e8ncia que li costa 5 euros al client, o el manteniment d\u2019un compte? En alguns casos aquestes comissions res tenen a veure amb el cost del servei.  I aqu\u00ed entra un altre tema: la discrecionalitat de les comissions. Tenir bones relacions amb el director de l\u2019oficina pot representar el \u201cperd\u00f3\u201d o l\u2019\u201darreglo\u201d de for\u00e7a comissions. Per\u00f2 t\u00e9 sentit un esquema de relaci\u00f3 d\u2019aquest tipus en l\u2019actualitat, amb informaci\u00f3 que ens arriba de totes bandes? A mi em recorda una mica el que passava anys enrere, quan s\u2019anava a una ag\u00e8ncia de viatges a buscar un bitllet d\u2019avi\u00f3. Generalment un sortia pensant que no li havien venut el millor bitllet, per\u00f2 com no hi havia manera de contrastar la informaci\u00f3 (llevat de tenir un conegut treballant en ag\u00e8ncies de viatges), nom\u00e9s quedava en sospita. No \u00e9s cap casualitat que un dels primers \u00e8xits del comer\u00e7 per Internet van ser els bitllets per a vols\u2026                                          <style>.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:24px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id22850_b19245-db{background-color:#fecc8c;background-image:url('https:\/\/www.amicsdelpais.com\/wp-content\/uploads\/2025\/06\/bg_newsletter_01.svg');background-size:auto;background-position:100% 0%;background-attachment:scroll;background-repeat:repeat-y;}.kb-row-layout-id22850_b19245-db > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id22850_b19245-db > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id22850_b19245-db alignnone kt-row-has-bg block_newsletter wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column22850_a01aca-24 > .kt-inside-inner-col{padding-bottom:0px;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col,.kadence-column22850_a01aca-24 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column22850_a01aca-24 > .kt-inside-inner-col{flex-direction:column;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column22850_a01aca-24 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column22850_a01aca-24{position:relative;}@media all and (max-width: 1024px){.kadence-column22850_a01aca-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column22850_a01aca-24 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column22850_a01aca-24\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">Suscr\u00edbete al newsletter<\/h2>\n\n\n\n<p>Suscr\u00edbete al <strong>Newsletter de Amics del Pa\u00eds<\/strong> para estar al d\u00eda de todo lo que hacemos. 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data-mdc-auto-init=\"MDCTextfield\">\n\t\t\t\t\t<label class=\"mdc-textfield__label\"><\/label>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<\/p>\n<p>\t\t<div class=\"cf7md-item cf7md-accept cf7md-is-wpcf7v5 mdc-layout-grid__cell mdc-layout-grid__cell--span-12 mdc-layout-grid__cell--span-12-desktop mdc-layout-grid__cell--span-8-tablet mdc-layout-grid__cell--span-4-mobile\">\n\t\t\t\t\t\t<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-273\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-273\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">He le\u00eddo y acepto la <a href=\"https:\/\/www.amicsdelpais.com\/es\/avis-legal\" title=\"Tratamiento de los Datos de Car\u00e1cter Personal\" target=\"_blank\">pol\u00edtica de privacidad (GDPR)<\/a>.<\/span><\/label><\/span><\/span><\/span><br \/>\n\t\t\t<label 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mdc-layout-grid__cell--span-4-mobile\">\n\t\t\t<br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Subscribirme\" \/><br \/>\n\t\t\t<svg class=\"cf7md-spinner\" width=\"25px\" height=\"25px\" viewBox=\"0 0 66 66\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t<circle class=\"cf7md-spinner-path\" fill=\"none\" stroke-width=\"6\" stroke-linecap=\"round\" cx=\"33\" cy=\"33\" r=\"30\"><\/circle>\n\t\t\t<\/svg>\n\t\t<\/div>\n\t\t<br \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>             <\/div>         <\/div>                   <style>.kadence-column15198_b55ca3-7f > .kt-inside-inner-col,.kadence-column15198_b55ca3-7f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{flex-direction:column;}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column15198_b55ca3-7f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column15198_b55ca3-7f{position:relative;}@media all and (max-width: 1024px){.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column15198_b55ca3-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>         <div class=\"wp-block-kadence-column kadence-column15198_b55ca3-7f\">             <div class=\"kt-inside-inner-col\">                                               <\/div>         <\/div>                  <\/div><\/div>                   <p><\/p>         ","protected":false},"excerpt":{"rendered":"<p><u><b>Art\u00edculo escrito por David Rodr\u00edguez y publicado en <a target=\"_new\" href=\"http:\/\/www.economing.com\">Economing<\/a><\/b><\/u><\/p>\n<p>El sorteo de Navidad deja cada a\u00f1o postales irrepetibles. La de este a\u00f1o, sin embargo, pone de manifiesto algunas de las carencias de la pol\u00edtica comercial de las entidades financieras, y m\u00e1s concretamente la discrecionalidad en el cobro de comisiones. Uno de los agraciados con la Grossa muestra su libreta de ahorros con los 300.000 euros reci\u00e9n ingresados. Pero en la libreta se muestra como los 70 euros iniciales quedaron casi en nada debido a las comisiones de mantenimiento y diversas.<\/p>\n","protected":false},"author":56,"featured_media":19934,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[194,732,735,193],"tags":[],"class_list":["post-22149","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos","category-cercle-per-al-coneixement-publicaciones","category-circulo-para-el-conocimiento-publicaciones","category-publicaciones"],"taxonomy_info":{"category":[{"value":194,"label":"Art\u00edculos"},{"value":732,"label":"Cercle per al Coneixement Publicaciones"},{"value":735,"label":"C\u00edrculo para el Conocimiento Publicaciones"},{"value":193,"label":"Publicaciones"}]},"featured_image_src_large":["https:\/\/www.amicsdelpais.com\/wp-content\/uploads\/2025\/07\/default_image_amics_del_pais-2.png",839,559,false],"author_info":{"display_name":"David Rodriguez Borr\u00e0s","author_link":"https:\/\/www.amicsdelpais.com\/es\/author\/david-rodriguezb\/"},"comment_info":0,"category_info":[{"term_id":194,"name":"Art\u00edculos","slug":"articulos","term_group":0,"term_taxonomy_id":194,"taxonomy":"category","description":"","parent":193,"count":252,"filter":"raw","cat_ID":194,"category_count":252,"category_description":"","cat_name":"Art\u00edculos","category_nicename":"articulos","category_parent":193},{"term_id":732,"name":"Cercle per al Coneixement Publicaciones","slug":"cercle-per-al-coneixement-publicaciones","term_group":0,"term_taxonomy_id":732,"taxonomy":"category","description":"","parent":193,"count":1138,"filter":"raw","cat_ID":732,"category_count":1138,"category_description":"","cat_name":"Cercle per al Coneixement Publicaciones","category_nicename":"cercle-per-al-coneixement-publicaciones","category_parent":193},{"term_id":735,"name":"C\u00edrculo para el Conocimiento Publicaciones","slug":"circulo-para-el-conocimiento-publicaciones","term_group":0,"term_taxonomy_id":735,"taxonomy":"category","description":"","parent":771,"count":602,"filter":"raw","cat_ID":735,"category_count":602,"category_description":"","cat_name":"C\u00edrculo para el Conocimiento Publicaciones","category_nicename":"circulo-para-el-conocimiento-publicaciones","category_parent":771},{"term_id":193,"name":"Publicaciones","slug":"publicaciones","term_group":0,"term_taxonomy_id":193,"taxonomy":"category","description":"","parent":0,"count":761,"filter":"raw","cat_ID":193,"category_count":761,"category_description":"","cat_name":"Publicaciones","category_nicename":"publicaciones","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/posts\/22149","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/users\/56"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/comments?post=22149"}],"version-history":[{"count":0,"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/posts\/22149\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/media\/19934"}],"wp:attachment":[{"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/media?parent=22149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/categories?post=22149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amicsdelpais.com\/es\/wp-json\/wp\/v2\/tags?post=22149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}