{"id":445,"date":"2026-02-03T16:55:12","date_gmt":"2026-02-03T15:55:12","guid":{"rendered":"https:\/\/www.ra-weisser.at\/?p=445"},"modified":"2026-02-05T11:43:01","modified_gmt":"2026-02-05T10:43:01","slug":"reclaiming-loan-processing-fees-how-to-get-your-money-back-from-the-bank","status":"publish","type":"post","link":"https:\/\/www.ra-weisser.at\/en\/blog\/reclaiming-loan-processing-fees-how-to-get-your-money-back-from-the-bank\/","title":{"rendered":"Reclaiming Loan Processing Fees: How to Get Your Money Back from the Bank"},"content":{"rendered":"\n<p>In the past, banks almost standardly charged a so-called loan processing fee (<strong>Kreditbearbeitungsgeb\u00fchr<\/strong>) when concluding loan agreements. For a long time, this was considered legally undisputed. However, recent rulings by the <strong>Austrian Supreme Court (OGH) <\/strong>have significantly strengthened the position of borrowers. In many cases, a refund is now possible\u2014for both private individuals and companies.   <br\/><\/p>\n\n<h2 class=\"wp-block-heading\"><strong><strong>What Are Loan Processing Fees?<\/strong><\/strong><\/h2>\n\n<p>Loan processing fees are one-time charges levied by banks to cover the administrative effort associated with granting a loan. These typically include: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Consultations and offer preparation<\/li>\n\n\n\n<li>Creditworthiness and risk assessment<\/li>\n\n\n\n<li>Contract drafting and documentation<\/li>\n\n\n\n<li>Valuation of collateral and disbursement<\/li>\n<\/ul>\n\n<p><strong>The Problem<\/strong>: The effort required for a high loan amount often differs only marginally from that of a small loan. Therefore, a percentage-based fee without a cap is often not factually justified. <\/p>\n\n<p>Jurisprudence generally assesses unlawfulness based on three central criteria:<\/p>\n\n<h3 class=\"wp-block-heading\">Use of Standard Terms and Conditions (AGB)<\/h3>\n\n<p>The fee must be part of the <strong>General Terms and Conditions<\/strong> (GTC\/AGB) or a pre-formulated standard contract. The decisive factor is that you, as the customer, had no real choice (&#8220;take it or leave it&#8221;). If there is a significant imbalance in the contract drafting, legal protection applies.  <\/p>\n\n<h3 class=\"wp-block-heading\">Gross Disadvantage (Section 879 Para. 3 ABGB)<\/h3>\n\n<p>A fee is unlawful if it <strong>grossly exceeds the bank&#8217;s actual expenditure<\/strong>.<\/p>\n\n<p class=\"has-text-align-left\">Example: For a loan of \u20ac500,000 and a fee of 3%, the bank <strong>charges \u20ac15,000 just for processing<\/strong>. Since the time required for mortgage loans rarely justifies such an amount, the clause is usually considered &#8220;grossly disadvantageous.&#8221; <\/p>\n\n<p><strong>Important for companies<\/strong>: This provision applies not only to consumers but also in the B2B sector for entrepreneurs.<\/p>\n\n<h3 class=\"wp-block-heading\">Violation of the Transparency Requirement (Section 6 Para. 3 KSchG)<\/h3>\n\n<p>In the case of consumer transactions, <strong>transparency <\/strong>is a further key requirement. Consumer borrowers must be able to understand: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>specifically what they are paying for,<\/li>\n\n\n\n<li>which services are covered by the processing fee,<\/li>\n\n\n\n<li>and whether there are any overlaps with other fees.<\/li>\n<\/ul>\n\n<p>If it is not clearly identifiable which activities the fee covers, or if the scope of services remains vague, the clause may be deemed invalid.<\/p>\n\n<h2 class=\"wp-block-heading\">Refund Amount and Statute of Limitations<\/h2>\n\n<p><strong>How much money can I reclaim?<\/strong><\/p>\n\n<p>In principle, the <strong>entire unlawful fee can be reclaimed<\/strong>. Since the bank withheld the money unlawfully, you are also entitled to interest on these amounts. <\/p>\n\n<p><strong>Statutory Limitation Periods<\/strong><\/p>\n\n<p><strong>Main Claim<\/strong>: The claim for repayment of the fee expires only after 30 years. You can therefore reclaim fees from very old contracts. Interest on these amounts expires after 3 years.   <\/p>\n\n<h3 class=\"wp-block-heading\"><strong>Conclusion: Check Your Chances of Success<\/strong><\/h3>\n\n<p>The chances of a successful refund are particularly high if:<\/p>\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>The fee was calculated as a <strong>percentage<\/strong>.<\/li>\n\n\n\n<li><strong>No upper limit <\/strong>(cap) was agreed upon.<\/li>\n\n\n\n<li>The bank&#8217;s actual effort is disproportionate to the fee charged.<\/li>\n\n\n\n<li>The underlying clause is formulated in an intransparent manner (in the case of consumers).<\/li>\n<\/ol>\n\n<p>A legal review of your loan agreement can be financially very rewarding. Often, a well-founded demand letter is enough to convince the bank to settle. <\/p>\n\n<h2 class=\"wp-block-heading\"><strong><strong>Were you charged excessive fees on your loan?<\/strong><\/strong><\/h2>\n\n<p>Contact us for a legal assessment of your case. We help you enforce your claims against the bank and secure your refund. <\/p>\n\n<div class=\"wp-block-group alignfull has-base-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:0\">\n<div class=\"wp-block-group has-primary-light-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-602c858f wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9c22b1e3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);flex-basis:33.33%\">\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"524\" height=\"458\" src=\"https:\/\/www.ra-weisser.at\/app\/uploads\/2025\/07\/MarkusWeisser.jpg\" alt=\"Portrait photo of lawyer Markus Weisser\" class=\"wp-image-96\" srcset=\"https:\/\/www.ra-weisser.at\/app\/uploads\/2025\/07\/MarkusWeisser.jpg 524w, https:\/\/www.ra-weisser.at\/app\/uploads\/2025\/07\/MarkusWeisser-300x262.jpg 300w\" sizes=\"auto, (max-width: 524px) 100vw, 524px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30);flex-basis:66.66%\">\n<h3 class=\"wp-block-heading\">Markus Weisser<\/h3>\n\n\n\n<p>Attorney at law<\/p>\n\n\n\n<p>Mag. Markus Weisser has been practicing criminal law for several years. His work covers a broad range of focus areas, and he also regularly gives lectures on various legal topics.  <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-ff2c9ce1 wp-block-columns-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--40);margin-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-dce74dba wp-block-buttons-is-layout-flex\" style=\"margin-top:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.ra-weisser.at\/en\/blog\/\">Back to blog overview<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-dce74dba wp-block-buttons-is-layout-flex\" style=\"margin-top:0\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.ra-weisser.at\/ent\/contact-us\/\">Contact<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignfull has-secondary-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60);padding-top:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-867483a7 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"faq\">FAQ<\/h2>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-4f2155eb wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--30)\">\n<hr class=\"wp-block-separator has-text-color has-primary-color has-alpha-channel-opacity has-primary-background-color has-background\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--40);margin-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"schema-faq wp-block-yoast-faq-block\"><details class=\"schema-faq-section\"  id=\"faq-question-1753430067089\"><summary class=\"schema-faq-question\" ><strong><strong><strong>Are loan processing fees always unlawful?<\/summary><\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">No, they are permitted in principle. However, they must be <strong>appropriate<\/strong>, <strong>transparent<\/strong> and objectively justified. Flat-rate percentages without a cap often do not stand up to scrutiny.  <\/p> <\/details> <details class=\"schema-faq-section\"  id=\"faq-question-1753430103453\"><summary class=\"schema-faq-question\" ><strong><strong><strong>Who bears the burden of proof regarding the reclamation of loan processing fees<\/summary><\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">You only have to prove that the fee was paid. The <strong>bank must prove<\/strong> that the fee was reasonable and did not grossly exceed the actual expense &#8211; which is often difficult for banks. <\/p> <\/details> <details class=\"schema-faq-section\"  id=\"faq-question-1753430105594\"><summary class=\"schema-faq-question\" ><strong><strong><strong>Does the Supreme Court ruling also apply to loans that have already been concluded?<\/summary><\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, there is no restriction on retroactivity. As long as the 30-year limitation period is running, you can take action.  <\/p> <\/details> <\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-b2f0bcc3 wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-bottom:var(--wp--preset--spacing--60)\">\n<h2 class=\"wp-block-heading has-text-align-center\">Contact us for a consultation<\/h2>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-38c86160 wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\">\n<hr class=\"wp-block-separator has-text-color has-primary-color has-alpha-channel-opacity has-primary-background-color has-background\"\/>\n<\/div>\n\n\n\n<p class=\"has-text-align-center\">We provide comprehensive advice and are committed to representing your interests.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-d2a3880e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.ra-weisser.at\/ent\/contact-us\/\">Contact<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In the past, banks almost standardly charged a so-called loan processing fee (Kreditbearbeitungsgeb\u00fchr) when concluding loan agreements. For a long time, this was considered legally undisputed. However, recent rulings by the Austrian Supreme Court (OGH) have significantly strengthened the position of borrowers. In many cases, a refund is now possible\u2014for both private individuals and companies. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"featured_image_focal_point":[],"footnotes":""},"categories":[21,1],"tags":[],"class_list":["post-445","post","type-post","status-publish","format-standard","hentry","category-civil-law","category-nicht-kategorisiert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reclaiming Loan Processing Fees: How to Get Your Money Back from the Bank - Rechtsanwalt Markus Weisser<\/title>\n<meta name=\"description\" content=\"Loan processing fee unlawful? Find out how you can reclaim fees retroactively for up to 30 years.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ra-weisser.at\/en\/blog\/reclaiming-loan-processing-fees-how-to-get-your-money-back-from-the-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reclaiming Loan Processing Fees: How to Get Your Money Back from the Bank - Rechtsanwalt Markus Weisser\" \/>\n<meta property=\"og:description\" content=\"Loan processing fee unlawful? 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