The Organization of consumers and users (OCU) has denounced that “many” banking entities are applying “unjustifiamente low” limits in immediate transferswhich “prevents users from fully benefiting from this service,” according to a statement from the organization.
According to him European Regulation 2024/886all entities must offer immediate transfers Before October 9, 2025. This system allows you to send money in seconds, any day of the year, including weekends and holidays. In addition, since the aforementioned date, banks cannot charge more for an immediate transfer than for an ordinary.
According to the OCU, all banks have adapted to this standard. As almost none charges commissions for ordinary transfers When they are made online, Nor do they do it immediately. However, the organization warns that boundaries They impose some entities make this option lose utility.
Although the regulation sets a cap of 100,000 euros per operation, Engineers Box limits immediate transfers to 700 euros by operation, and banks such as BBVA and Bankinter do so at 1,000 euros.
The daily limits Nor are they much greater, which, according to OCU, forces many clients to fraction payments or resort to ordinary transfers, which may take up to two days to complete.
Given this situation, OCU has transferred his concern to Bank of Spain, who has already communicated his intention to Supervise the limits applied by entities. Specifically, the organization requests:
- Clear and technical criteria that avoid disproportionate limits that stop the use of this service.
- Equal conditionsso that if a customer can make an ordinary transfer of a certain amount, he can also perform it immediately.
- Transparency and flexibilityso that the limits can be modified and based solely on security reasons, not on commercial restrictions.
The OCU recalls that the objective of the European regulation is foster immediate payments and offer citizens the same accessibility They already have traditional transfers.
