Hello, I’m sorry to hear that you feel frustrated by a bank.

You are not alone in feeling this way. Many people criticize the traditional banking system due to multiple fees that are often poorly explained. Here’s a clear explanation of why this seems abusive, but also what’s behind it:

🔍 Why do people say that "the banking system is a scam"?

1. Account maintenance fees

These fees are charged every month or every quarter just for keeping your account open.

However, you don’t always receive real service in return.

2. Transaction fees

For every sending or receiving of money, you pay a percentage or a fixed amount.

Even simple operations like a local transfer or an ATM withdrawal can incur charges.

3. Fees on failed transactions

Sometimes, if a transaction fails (e.g.: insufficient funds in the account), you still pay!

This is frustrating because you lose money on an operation that didn’t even succeed.

🏦 Why do banks apply these fees?

From the banks' perspective, these fees serve to:

Pay staff, security, premises, technology, etc.

Generate profit (since they are businesses).

Compensate for unprofitable customers (for example, those who leave their account empty).

But the truth is that these fees:

Often affect the poorest, those who have the least means.

Are not always transparent or justified.

Do not always keep up with the digital evolution of the sector.