the savings also pass through offers and promotions upon opening

Conventional current accounts have contracted over the last year and a half. This is reported by an in-depth analysis proposed by Corriere della Sera, which also highlights how – on the contrary – more and more people prefer online checking accounts, which are confirmed as the most economically advantageous option with which to manage their operations and savings.

In particular, with an online account it is possible to take advantage of a good reduction in costs, which, compared to a traditional account at the counter, can reach up to 40-50% less, using internet banking services.

Also, you can increase convenience by evaluating the offers for opening a new online account, analyzing the most interesting proposals made available by banks for new customers.

The best promotions for opening an online current account

Taking into consideration the offers and promotions for opening a current account currently made available by the main credit institutions, it is possible to note that one of the most interesting online proposals is that of Crédit Agricole. In fact, for those who open the zero fee account and activate the investment services by the end of the year, the institution offers advantageous conditions in the first two months with the Active Trader initiative.

On the other hand, the Italians who use the current account to invest online, a solution that nowadays allows you to operate independently on the financial markets. Thanks to new technologies, in fact, it is possible to make investments in such a way 100% digital, using the smartphone app or the web console for those who access online or from desktop and laptop PCs.

Even second the latest Consob report, technological innovation is making investments more and more accessible, with the possibility even for small investors to take advantage of lower commissions on financial transactions. Obtaining lower costs allows you to maximize performance, both when buying securities with long-term objectives, and when trading through instruments such as covered warrants and certificates.

In addition, with an online checking account you can benefit from a number of facilitated conditions for the ordinary management of expenses and paymentsIn fact, it is not uncommon to get a debit card included at no additional cost, or SEPA online transfers without commissions. Likewise, it comes to comfortable and practical services, to always have your savings and investments accessible with a touch from your smartphone.

How to choose the most advantageous online current account

When choosing an online current account, it is important to identify not only the most convenient product, but also the tool that can meet your needs, from operations to additional services. The zero fee undoubtedly represents an important aspect, however it is always necessary to analyze the operations that are included, which therefore do not involve extra costs that can increase monthly expenses.

A convenient online account should always provide theaccess to home and mobile banking services, providing efficient technologies for digital management, also providing free bank domiciliation for domestic users. An additional value is the presence of a certain number of withdrawals without commissions even in ATMs of other banks, as it can always happen that you have to withdraw cash from an ATM other than that of your credit institution.

After that, it is necessary to evaluate the transaction costs not included, such as bank transfers in the event that this circumstance could arise, including the expenses for instant transfers to deal with unexpected events and emergencies. Nowadays, it is also important to check the costs to get one credit card suitable for your spending needs, with an annual fee that should not exceed 50 euros to remain a sustainable expense.

Not to be underestimated are all complementary services manageable through the online current account, from investments to trading, from loans to insurance products that can help protect yourself against a number of risks. To make an informed decision, it is essential to carefully analyze all these factors, to choose the most advantageous online current account and able to offer a optimal service, perfectly suited to your needs.

Source: RSS Economia by

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