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Banks / Banke

 If there was one thing that the Slovenians do better than Germans I would have to say – banking. Yes, that is right. Although as a former employee of the Ministry of finance in Slovenia I fully realize the state our banks are in, I would still say that Slovenia has a much faster banking system than Germany. A far, far, far faster banking system – by far and I do mean BY FAAAAR.

 Our friend Edo warned us of this before we arrived – for instance that it takes several days for a payment of anything to get through the system. We said OK. Then our landlady told us that the rent should be always on their account by the third working day of every month, therefore we must take into account the days it takes for the bank to carry out the transaction. OK, so two days before the deadline should be just fine. WRONG!!!!

 Last week I bought a new computer (well technically my wife bought it for me as I am unemployed – so thank you darling, it is a nice machine). When I went to the cash machine to make a withdrawal on Monday, the transaction of the withdrawal still didn`t show up on the accounts information three day later. Actually we figured out there is no rule about the period it takes for a bank to process a transaction. Sometimes they do it in two day – never faster – and sometimes it takes more than four days. That for me is a slow banking system as I am used to the Slovenian system. In Slovenia your transaction will be carried out the same day if you make the payment order until one o`clock, if not, the payment will be done the next working day. I heard somewhere that Slovenia has one of the fastest banking systems in Europe. But alas we have messed it up with bad debts and money scandals. But still, it shows that we do know to do things up to the highest standards. We would just have to be more consistent on other fields.

 Slovenski bančni sistem:

Če bi moral izpostaviti eno stvari, ki jo imamo v Sloveniji bolje urejeno kot v Nemčiji, bi moral reči bančni sistem. Ja, tako je, bančni sistem. Čeprav se kot bivši uslužbenec Ministrstva za finance popolnoma zavedam v kakšnem stanju so naše banke, bi še vedno rekel, da ima Slovenija veliko hitrejši bančni sistem. Veliko, veliko veliko hitrejši. Resno mislim, VELIKO HITREJŠI.

Najin prijatelj Edo naju je opozoril v zvezi s tem, še preden sva se preselila. Npr. povedal je, da banke rabijo več dni, da sprovedejo plačilo denarja. Sva si rekla, v redu, bova upoštevala. Potem naju je tudi najina najemodajalka opozorila, da mora biti denar na njenem računu najkasneje tretji delovni dan v začetku meseca. Sva rekla, v redu, bova nakazala kakšna dva dni prej in bo super. NAPAKA!

Prejšnji teden sem kupil novi računalnik (v bistvu ga je kupila moja žena, ker sem pač nezaposlen – hvala draga, je lepa mašinica). Ko sem šel dvignit denar na bankomat, se transakcije še ni videlo štiri dni po dvigu. Paula me je celo vprašala, če sem sigurno dvignil iz njene kartice. Ugotovila sva, da ni nekega pravila v kakšnem roku bo banka izvedla nakazilo. Včasih je to dva dni – nikoli hitreje – včasih več kot štiri dni. To je zame zelo počasen bančni sistem, saj sem navajen na slovenskega. V Sloveniji je nakazilo skoraj praviloma izvedeno naslednji dan, če oddaš bančni nalog do ene ure popoldne. Če ne pa sigurno naslednji delovni dan. Spomnim se, da sem že prej slišal, da ima Slovenija hiter bančni sistem, čeprav nikoli nisem razumel kaj to pomeni – mi je bilo pač samoumevno, da se plačila izvedejo kar se da hitreje. Na žalost smo vse skupaj pokvarili s slabimi krediti in denarnimi aferami. Ampak kljub temu, je ta primer nazoren pokazatelj, da znamo nekaj delati po najvišjih standardih tudi v Sloveniji. Ko bi le bili bolj konsistentni pri kvaliteti tudi na drugih področjih dela in življenja.

Update 30.3.2015

Another good example of bad German banking was our effort to pay the rent money in advance for the house in UK we rented. First, when you want to do something quick, German banks will almost always let you down and so was the case here. Next to the slowness there was also incompetence. When we wanted to transfer a lot of money for rent (we had to pay one year in advance), we checked and then re-checked if we had enough money with our bank, that is responsible for tracking our money and savings. They assured us there was enough money. When we made the transaction, we got proof of the transaction, which was not cheap. Few days later, when the money was still not in the UK account, we got a letter from the bank that there was not enough money on the account to make the transaction. They said that a week old transaction was still not recorded in the books, so the estimation on the balance was wrong. We had to do the transaction again, the pound actually rose in the meantime and that meant new losses for us. The second time the transaction went through and this time we figured out that, the bank made the wrong calculations (although we warned them of this, making our simple calculations at home) and we transferred roughly 300 pounds too much. The lady at the bank assured us that their calculations are right and that they use a different currency exchange than the official exchange rate. She, bank employee, an expert, was wrong, and we were right. That for me is a slow and incompetent banking system as I am used to the Slovenian system. In Slovenia your transaction will be carried out the same day if you make the payment order until one o’clock, if not, the payment will be done the next working day. I heard somewhere that Slovenia has one of the fastest banking systems in Europe. I guess it is true…

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