Value Proposition:
“Bank fees” are often recorded as a single line item in expenses, losing the ability to manage them effectively.
This template transforms it into an operational report:
Which bank is more expensive? Which type of fee recurs? What are the costs of transfers? And what is the cost of payment gateways as a percentage of sales?
It then provides you with a list of negotiation/routing actions to reduce costs.

In 20 seconds: What will you get?

• Bank fees analysis: Analysis of fees by bank/account/month.
• Transfer Fees: Bank transfer commissions by type (domestic/international/quick).
• Payment Gateway Fees: Payment gateway fees (Mada/Visa/MC/Stripe, etc.) as a percentage of collections.
• Fee Categorization: Categorization: account fees, transfer fees, checks, point of sale, SWIFT, FX spread, others.
• Unit Economics: Cost “per transaction” + cost “per 1,000” + average commission.
• Bank Comparison: Comparison of bank fees for the same activity and volume.
• Trend & Spikes: Monthly trend + identification of abnormal increases (spikes).
• Reconciliation: Matching bank statement fees with what has been recorded in the books (optional).
• Saving Opportunities: List of opportunities to reduce bank fees (changing transfer routes/service packages/minimum fees).
• Dashboard: Top 10 fees + cost per bank + gateway fee rate + savings estimate.

Suitable for

• Companies with high banking transactions (transfers/payment gateways/point of sale).
• Treasury and finance teams looking to reduce the cost of banking services with actual figures.
• E-commerce businesses wanting to measure payment gateway fees as a percentage of collections.

Not Suitable for

• Inactive bank accounts or those without recurring fees.
• Those looking to analyze “bank profitability” without transaction data or exportable bank statements.

Without Analysis / With Analysis

Before Use: 5 Symptoms That Bank Fees Are “Leaking”

• Bank fee expenses are rising without knowing the reason or channel.
• Inability to determine the cost of internal versus external transfers.
• Payment gateway fees are deducted from collections without measuring as a percentage of sales.
• Sudden increase in SWIFT/FX spread fees without early detection.
• Lack of a real bank comparison before renewing agreements.

After Implementation (Two Points Only)

• Clear Costs: Detailed fees + cost per transaction + accurate comparison.
• Actionable Reductions: Specific reduction opportunities based on top drivers, not general statements.

How Does the Bank Fees Analysis Template Work Practically?

1) Import Fee Statements

• Export Bank Statement or Fees report (CSV/Excel) from the bank/ERP.
• Key fields: Date + Bank + Account + Fee Description + Amount + Currency + Ref.

2) Classify Fees (Mapping Rules)

• Classify by fee type: transfers/account/SWIFT/point of sale/payment gateways/FX spread.
• Classify by channel: Branch/Online/Payment gateway/International.

3) Analysis and Comparison

• Pivot by bank/month/fee type.
• Unit cost: fees/number of transactions (if a transaction counter is available).
• Gateway rate: payment gateway fees ÷ total collections.

4) Detect Abnormal Increases (Spikes)

• Monthly comparison + thresholds.
• Top 10 fees by amount + potential reasons + follow-up.

5) Output Reduction Opportunities

• Redirect transfer routes to the lowest cost.
• Change service packages or reprice fixed fees.
• Reduce SWIFT/FX spread through an alternative bank or negotiate based on volume.

Deliverables Included in the File

1. Raw Fees Import
2. Mapping Rules (Fee Categories)
3. Bank & Gateway Summary
4. Trends & Spikes
5. Cost per Tx / Gateway Rate
6. Saving Opportunities Log
7. Dashboard

If you really want to reduce bank fees… start detailing them with numbers

Download the Bank Fees Analysis Template Now