| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | bank fees | Germany | Customers are usually willing to pay for high-quality banking services | 1 |
| 2 | banking fees | Germany | More transparent and upfront, with detailed breakdowns of fees for different services | 1 |
| 3 | banking transaction fees | Germany | It's common to pay fees for withdrawing cash from ATMs that belong to a different bank network | 1 |