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Card payment surcharges should be banned for debit and credit payments, RBA says
(www.theguardian.com)
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this post was submitted on 15 Jul 2025
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Several neo-banks provide. free, instant SEPA transfers. Sure, it's not debit, but it's a form of free money transfer. Also monthly charge.
Yes, one might argue that you are the product then. But I really don't see what they might be getting from these clients. Must be something I'm not aware of. No ads, no upsell (apart from occasional offer to paid plan), ...