So it was to my dismay and annoyance that Dh100 was deducted from my account about two seconds after the money was moved. As is entirely predictable, I complained. Less predictably, someone from the bank actually called me as promised, and explained what was going on.
- Essentially, if the Dh50 charge is paid by the receiving bank, the price you see is the price you pay.
- However, if the Dh50 charge is paid by the transmitting bank, there’s an additional Dh50 fee.
At the bottom of the page of tariffs, there’s another entry that states:
“Additional charge to send payment in full within [Red Triangles] Group (Charges “OUR”) - Electronic / Manual" AED50”
I put it to the Bank that arranging the Schedule of Services and Tariffs in this way constitutes devious practice. Most people would look down a table to the item they’re interested in, and then across to the fee. There’s no indication to a customer that, having found the fee, he should refer elsewhere for additional fees. Be aware that Red Triangles’ customers should read the entire ten-page document in case there’s an additional fee buried elsewhere.
Of course, the Bank hides behind “It’s on the form in black and white”, so there’s no chance of a refund. At least they didn’t make any money out of the transaction. Sorting out my complaint cost the Bank Dh77: the cost of a 36-minute international phone call.