Can the bank change my contract conditions unilaterally?

In a mortgage contract, the spread cannot be changed unilaterally by the bank. On the other hand, for current accounts the bank may change its price list, provided it gives the legally required notice period, usually 2 months.

In practice, this means the essential terms of the mortgage cannot be changed without your consent, but other costs linked to banking services may be adjusted within the legal rules.

For example, the bank cannot increase the spread on your mortgage on its own, but it may update current account fees or other associated service costs, provided it respects the notice requirements.

If you receive a communication about a change, it is important to check whether it concerns a contractual mortgage term or an associated service, because that determines whether the change is valid and what options you have to respond.