Reclaim Loan Fees – Get Your Money Back!

According to the Supreme Court ruling GZ 7 Ob 169/24i, processing fees on loans are unlawful if charged without a specific service in return. This applies to mortgage loans, personal loans, consumer loans, hypothecary loans, building society loans and revolving credit.

You can reclaim loan fees up to 30 years retroactively. Even already repaid loans may be affected. What matters is when the fee was charged.

On average, our clients receive between €500 and €3,000 back. The exact amount depends on the originally charged fee and the loan volume.

No. The assessment is completely free and non-binding. We finance the entire process. A commission is only due upon success – you bear no financial risk.

Ideally, you have your loan contract at hand. If not, the bank name and approximate contract date are enough – we take care of the rest.

The free initial assessment is completed within 24 hours. The entire process takes between a few weeks and several months, depending on the bank and complexity.

Yes, you can reclaim unlawful fees even on fully repaid loans. The claim exists regardless of whether the loan is still active or not.

The Austrian Supreme Court (OGH) ruled in case GZ 7 Ob 169/24i (February 2025) that loan processing fees charged without a specific service in return are unlawful and must be refunded.