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Your costs. Your rights. Your refund.

Many borrowers in Austria pay unnecessarily high processing fees on loans – often between 1% and 3% of the loan amount. This can quickly amount to several thousand euros, even if the loan has already been repaid or refinanced.

You can reclaim your money. NUMMOS LTD will check if you are entitled to a refund and guide you step by step through the process of enforcing your claim – simply, securely and without risk.

Loan agreement fees are typically charged by banks and financial institutions as a one-time fee when a loan is granted. They are intended to cover the costs of reviewing, processing, or providing the loan. Fees of 1% to 3% of the loan amount are common.

However, many of these fees are not legally permissible because they do not adequately reflect the actual effort involved or are vaguely worded.

The Supreme Court (OGH) has clarified in several rulings that loan processing fees can be inadmissible if they are not transparent and comprehensible or if they significantly exceed the actual costs incurred. Flat-rate fees that are disproportionate to the services actually provided are particularly affected.

Non-transparent or disproportionate credit fees may therefore violate legal requirements and, under certain circumstances, be fully reclaimed.

Of particular relevance is:

Since claims for reimbursement in Austria can often be made retroactively for up to 30 years, it is worth checking even for loans that have already been paid off or are older.

Who would benefit from taking an exam?

Whether you can assert your claim for reimbursement depends on the individual terms of your loan agreement. Even older loan agreements may be affected.

Exercise your rights – get back any overpaid fees.

Check your loan fees now

Simply submit your loan agreement and let us review it. NUMMOS LTD analyzes the included processing fees, checks whether they are transparent and reasonably calculated, and determines whether a refund is legally enforceable.

If you have a valid claim, we will support you in enforcing it – both out of court and, if necessary, in court. This way, you can get your money back quickly and reliably.