Collection of the bank's receivables

Expenses are the expenses incurred by the bank from debt collection, such as costs charged by authorities, document fees, copying expenses, and travel and phone expenses. If the bank assigns the debt collection to an agent, such as an attorney, a collection agency or other agent, the fees and expenses charged by the agent are also included in the collection costs. The hourly rates of agents may be higher than the rates of the bank listed below.

A fee is compensation for the work the bank has performed to collect the receivable. The charging basis of a fee is either a fixed price determined separately for each assignment or an hourly rate which is 50–175 euros depending on the type and the difficulty of the task. Below, there is a list of the assignments with a fixed price and of the assignments charged by the hour. 

As for the assignments with a fixed price, the bank has, however, the right to charge the actual debt collection costs in cases where the assignment has required more work than usually, thereby producing costs that exceed the fixed price of the assignment.

Legal expenses are composed of expenses and fees, and their amount is determined based on the amount ordered by the court.