Hello,
I suggest that banks should no longer send notifications to customers' postal addresses about the interest earned on time deposits, if the amount of interest earned is at least less than the actual cost of making the deposit, if not more (e.g. EUR 1, EUR 2, etc.).
Additional information on the proposal: Banks shall send to their customers by the end of January each year notifications of the interest earned for the previous year on savings deposits (deposits, savings, savings accounts) - the official title of the document is: 'Summary of the return of interest income on cash deposits for residents' and is defined in the Regulation on the delivery of information for the purposes of income tax. Interest rates on savings deposits have fallen sharply in recent years, which is disincentive to saving and increases the amount of funds on deposit. Banks have been producing the above-mentioned documents for several years. They are sent to customers via online banks, probably also to e-mail addresses, but also to postal addresses. It is precisely because of the postal addresses that I propose that documents on which the total interest earned does not exceed at least the actual production costs (paper, printing, labour, postage) or a few EUR (e.g. 1, 2 or more) should no longer be sent. A customer who receives "almost zero interest" usually rejects the document in a bad mood. However, their amount in total for all banks is certainly not negligible. This would help to reduce paper consumption, which is increasingly being sought. I believe that there are probably very few customers who have funds in several banks and, as a result of not receiving the document (op. if the proposal is implemented), would not reach EUR 1 000 and would not file a special return. Article 84 84 of the ZDOH-2 with the possibility of interest staggering (the bank reports interest data to the FURS on a year-by-year basis and not only at the end of the term of the deposit/savings) is already explicitly in favour of savers (especially relevant in times of high interest rates). The document, if/when the customer wants it (i.e. it only applies to the proposed ones), would be available to him/her at the bank itself.
Thank you and best regards.