In recent years, traditional or online bank offers have begun to spread zero-fee or zero-fee checking accounts. This particular type of offer immediately won the trust of consumers and, more generally, determined a lowering of current account management costs.
Today it is common to find current accounts that offer free some of the most frequently used services, such as wire transfers, payment cards and the use of ATMs. The offers of the banks differ from each other and it is important compare the offers of different lenders to identify the current account that has the characteristics in line with its use.
Compare bank offers and find the perfect current account
Which current accounts offer free wire transfers?
Il transfer it is the main operation through which the funds available in the current account can be disposed of. The operation can be done over the counter or, if it is an online current account or with a home banking service, via the Internet.
L’zeroing of commissions on wire transfers it is the option that is most frequently offered by banks. In some cases all transactions made on the current account are free, but more often banks establish limits, offering only transactions made online free of charge or establishing a monthly limit of free transactions. Anyone who activates IBL Banca’s ControCorrrente product, for example, has a number of transactions included that varies depending on the version chosen.
Il savings that can be achieved activating a current account with free transfers depends on the number of operations that are carried out on average. For those who often handle the account, this is one of the free current account services to be considered more carefully.
Find out which accounts offer free wire transfers
Which current account to activate to get a free credit or debit card
Debit and credit cards they are very versatile tools: they allow you to pay in physical and online points of sale, they can be used to withdraw cash and simplify the management of payments when you are abroad. Generally these instruments require the payment of an annual or monthly fee, but in some cases they are offered free of charge when opening a current account.
Between checking accounts that offer a free debit or prepaid card are to be noted:
- the Webbank account;
- the Orange current account;
- IBL Banca’s Controcorrente product;
- the Crédit Agricole Online current account;
- the Tinaba account.
Those who want to activate a no-fee credit card can activate the Illimity Account or the Webank Account. The credit cards offered by these lenders are active on the Visa or Mastercard circuits and allow you to have a monthly limit of up to 7,800 euros.
Improve your money management by saving on current account services
Checking accounts with free ATMs
Thanks to the ATM you can withdraw cash and pay comfortably wherever you are. The ATM release it is free in practically all current accounts, but its use may not be free.
Generally banks allow you to withdraw cash for free if you operate in ATMs that belong to the same banking circuit as the credit institution that issued the ATM, while they require a commission for withdrawals made in different ATMs.
Find a current account that eliminates the expenses on withdrawals it is very useful, especially for those who need to withdraw cash frequently, even abroad. Those who wish to be able to withdraw money from all ATMs in Italy for free can consider the current accounts of BBVA, Webank, Tinaba and Illimity. If, on the other hand, you are looking for a current account with free withdrawals even abroad, within the euro area, the best options are Banca Mediolanum’s SelfyConto products and the Tinaba current account.
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