How much is spent now and what changes

Here are the increases. Meanwhile, From Tuesday 1 July 2025 the new ATM list of commissions, destined to undergo potential increases, enters into force. Similarly, The commission does not change at the counter, equal to 0.47 euros. Consequently, The novelty is that the online shopping commission becomes variable. Consequently, The new price price has been sent to banks. Meanwhile, intermediaries and, based on the new rules, the commissions are proportional to the value of the purchased asset, in a fixed range. For example, The agreements with Apple Pay and Amazon are also recorded to offer new payment options.

In a nutshell. Nevertheless, the company that manages the payments circuit has updated the commissions price list, after two years of stall. For example, The announcement had reached the beginning of the year. The new price list will be applied today: how much spent now what the commissions will be proportionate to the purchase value of the product (to give a trivial example: they will be higher for a designer bag. while they will remain low for small purchases such as a coffee at the bar). We try to clarify, going in order.

ATM commissions: what changes from 1 July – How much spent now what

The ATM circuit commissions have so far had an impact on the. cost of the transaction for the operator equal to 0.2-0.3%, lower than that of credit cards. With the novelty that starts from today, banks and intermediaries of payment could be reduced to the profit margins. The fear is that in the end the increase in costs on operators and. chain, on the price of the products and therefore on consumers is transferred. In any case. the set -up of the costs of the ATM commissions follows the equation of the costs of instant transfers how much spent now what to ordinary transfers, a rule that has entered into force from January 9 of this year and valid for all European citizens, with the diversification of expenditure based on contractual conditions.

What does it affect the commissions. And practical cases

First a small clarification. The interbank commissions are the sums that are exchanged between banks. specialized institutions that adhere to a given circuit of payment cards. They are exchanged when a withdrawal. “circularity payment” is made, that is, when the ATM and POS are managed by a bank or institute other than that/or that has issued the card. There are several factors that affect the value of the Commission: it depends on the type of paper used (consumer/commercial). the type of payment operation (standard, bill payment or prepaid top-ups) and by the channel used (e-commerce/no e-commerce).

And now let’s do some practical cases, starting from the commissions for purchases how much spent now what of up to 5 euros.

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