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☰ × LOANSMORTGAGE MORTGAGE SUBROGATIONSMORTGAGE SUBROGATIONSMORTGAGE ASSETSCOUNTSDEPOSITSPENSION PLANSINVESTMENT FUNDSINVESTMENT FUNDSFINANCIAL ASSETSINVESTMENT ASSETSFAST LOANSFAST LOANSFINANCIAL ADVICESTriodos Bank× Triodos Bank branches and ATMs: where to withdraw money without commission168 people have read this post Isbelt Martín Entry updated on Tuesday, November 2, 2021

Triodos Bank branches and ATMs have certain particularities, both in their opening hours and, for example, on the application of commissions to cash withdrawals at ATMs. We review the main features of the operation of the bank’s branches and ATMs.

There are no fees for withdrawing cash from Triodos Bank ATMs. In addition, the bank has agreements with third parties to withdraw cash from ATMs up to three times a month without commission at the following banks:

From the third monthly cash withdrawal onwards, the commission applied by the entity of the ATM from which the cash withdrawal is made will be applied. The commission in question will appear on the ATM screen and we will be able to execute the operation or cancel it at that moment.

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A conventional bank bases its activity and investments on profitability and risk. Ethical banking incorporates a third variable. We look at the social and environmental impact of an activity and, if we see that it is positive, we analyze its risk and profitability and make a decision.

Indeed, anything that meets the profitability-risk binomial is acceptable to them, even if it is a polluting industry or one with undignified working conditions. We only invest in ecological agriculture, renewable energy, health, culture, education?

Both. Transparency in many products and services does not exist. Steps have been taken in the certification of fair trade or organic products. But there are other cases where there is no information. You are not going to do a thesis on everything you buy in the supermarket, we should have a system of traffic lights like the energy efficiency of household appliances.

It’s a simple individual decision: whether you want to know that your money is invested in line with your values and are willing to pay a fee, or whether you don’t mind not knowing what is being done with your money in exchange for not paying it. In the end the difference is one coffee a month. Besides, that free stuff is a trap: producing something has a cost and if I don’t pay it, it means that there is someone who doesn’t charge what he needs to do his job.

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We continue our series of posts dedicated to “ethical” financial institutions. Today’s post is dedicated to one of the best known “ethical” entities in our country, Triodos Bank, which we could qualify as the “other” Dutch bank among us.

If we browse their website, watch the videos with their presentations or read their publications, we can see that they insist on the concept of responsible savings, of avoiding the dissociation between the values of savers and what the entity to which they entrust their money does, and all this through information and coherence.

Triodos Bank is a bank, a Dutch public limited company (NV), whose shares are owned by the Foundation for the Administration of Triodos Bank Shares. For a better understanding of how the Triodos-Foundation binomial works, its relationship with the holders of share depository receipts, and my assessment of this system with respect to the investor I refer you to my post Triodos bank and its capital increase.