What seems fair is telling customers there will be a fee before they open an account. If they want to add a fee after the fact, they shouldn't be charging that fee without the customer opting-in.
Unfortunately not even banks do that. They change their fee structure all the time, only announcing that their new terms will come into effect starting date X.
Then you suddenly have to pay an account fee or pay a custody fee if you keep more than 50.000€ in your account.
In Germany banks are required to collect explicit agreement by their customers. Banks are sending out updated terms on paper, requesting a signature. Not just an "accept" checkbox.
That's probably why Paypal excludes German accounts from their fees. Would they even be able to process anything on paper?
> In der Vergangenheit sind wir von Ihrer Zustimmung ausgegangen, wenn Sie den mitgeteilten Änderungen nicht innerhalb von 2 Monaten widersprochen haben. Seit dem Urteil des Bundesgerichtshofs im April 2021 zu den Allgemeinen Geschäftsbedingungen der Banken benötigen wir nun Ihre ausdrückliche Zustimmung.
> Ab Ende November geht es los – dann brauchen wir das erste Mal Ihre Zustimmung. Im Online-Banking oder in der neuesten Version der App.
