Online current accounts are much cheaper than traditional ones. This is because they reduce the costs necessary for the presence of traditional branches in the area. In fact, the commissions, withdrawals, i wire transfers and, in general, all operations. Furthermore, to open this type of current account, the procedure is quite simple. However, it depends in part on the types of services required. However, in general, the following are enough: identity card, passport or driving license, tax code and certificate of residence or residence permit. It is therefore necessary to evaluate the various offers and choose the most convenient service according to your needs.
Another factor that can affect the convenience of the account is age. In fact, there are some promotions of accounts, at zero expenses, for the under 30s. But, let’s see, what are the current accounts with zero expenses for the month of September. Well, the best offers come from: Widiba, Unicredit, Conto BNL Smart, N26, Webank. But, let’s see, in more detail, what the banks offer this month online and no.
What are the current accounts with zero expenses for the month of September
The first offer to consider is that of the Widiba online bank. By activating the account by 29 September, it will be free of charge for the first 6 months. Thereafter, you will pay 9 euros every 3 months. This sum, however, is destined to decrease in the following cases:
1) for those who receive a pension or salary credit, the account will cost 8 euros per quarter;
2) it will cost 6 euros, for those under 30;
3) 8 euros for those with a balance of 25,000 euros;
4) 7 euros for those who have 10,000 euros invested in funds and shares.
Another advantage is the free PEC account and digital signature. You can also ask for a free debit card, while the credit card costs from 20 to 50 euros. The sum varies according to the type of requested service. Other services are: free wire transfers, free withdrawals over 100 euros and the account enabled for online trading.
Banks at no expense
Unicredit also offers the possibility to activate the current account at no cost, by 30 September. In this case, the promotion also includes, at 0 expenses: the activation of the Multichannel bank and the issuance of the My One debit card. In addition, SEPA transfers are always free.
Third option is offered by BNL, favorable for those under the age of 30. The zero Smart account provides for 0 expenses: withdrawals, recharge of the prepaid card combined with the account, stamp duty for 1 year. The fees applied for other transactions are:
1) ATM withdrawals from other banks and abroad: 2 euros;
2) online transfers: 1 euro;
3) credit card: 42 euros per year.
Another valid online account is called N26, a German virtual bank. The zero expense account can be requested simply by downloading the App on your smartphone. The benefits of N26 services are free wire transfers between N26 users. Then: a free debit card, associated with the account; free foreign currency payments. Finally: foreign currency transfers at favorable conditions; payments with App.
In the end
Another interesting online current account is the one offered by WeBank. However, it costs 2 euros per month. The conditions, however, can still be considered favorable if you think that they are free: the checkbook, bank transfers in Italy. Then: debit and credit cards, stamp duty, withdrawals in Italy and in the EU. Furthermore, the account is enabled for online trading. For other services, however, it is advisable to consult the site.
Deepening
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