BGH judgment: Sparkassen customers can now reclaim fees!
BGH judgment: Sparkassen customers can now reclaim fees!
A recent judgment of the Federal Court of Justice (BGH) brings a breath of fresh air for Sparkassen customers who have felt disadvantaged in recent years due to illegal account fees. On June 3, 2025, the court made a decision that enables affected customers to reclaim account fees. But be careful - the persons concerned must be active by December 31, 2025 at the latest if they want to have their money back. This is a great opportunity, especially for the fees from 2022 and the fees of the last quarter of 2021, which should now be targeted. The limitation period begins with the approval of the account statements and can reach up to six weeks after their creation, says Ruhr24 .
It becomes particularly exciting when you consider that many of the affected fees, such as account management fees, fees for deposits and withdrawals as well as fees for account statements, were often levied. Customers should urgently look at their documents and check for ineffective clauses, which may have been the basis for the fee increase. Those who have not given active approval to the increased fees have a good chance of reclaiming their money. The BGH has made clear specifications here: Banks must not simply increase prices in silence, as was determined in the judgment of May 20, 2025, which declared a clause on the prepayment penalty to be ineffective, as anwalt.de reported.steps to reclaim
The consumer protection centers recommend a structured approach to reclaim the fees paid. Here are the four steps that every customer should consider:
- Check your documents for ineffective clauses.
- document all contract changes since 2021.
- Calculate the wrongly paid amounts.
- contact your bank and use our sample letter for the recovery.
customers also have the option of requesting a detailed fee schedule at your bank. This significantly makes it easier to take back and assert the claims. But be careful: some banks have reacted to reimbursement claims with account announcements, which is legally permissible, so that the recovery remains unaffected.
keep an eye on
For all claims from 2022, they are time -barred on December 31, 2025. So if you paid illegally high fees last year, you should not hesitate. The BGH has also made it clear that the limitation period does not only begin with the debt of the fees, but with the approval of the balance degrees - and this happens regularly at the end of each quarter. Anyone who becomes active in time has the chance to get your money back without getting into the limitation vinegar. The new edition of the approval fiction clause also strengthens the rights of customers, since the banks now have to inform you clearly and understandably about price changes, as the consumer center describes in their analysis verivox.de .
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| Ort | Ossendorf, Deutschland |
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