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Fees, commissions and cards, when you open a current account it's important to have clear ideas about what you want from your product. If you are a customer who mostly uses the digital profile to operate online, you are looking for a product that offers you free wire transfers, while if you tend to go to the counters and make withdrawals to pay in cash, you will have to be careful about what the costs are. these transactions.
In the information sheets of the different accounts you will find every detail on the product, but if you want to get a first idea of which are the best current accounts if you live in Lombardy, you can also use the online comparison of offers. The SOStariffe.it comparator allows you to compare the promotions reserved for those who open an account in October.
The conditions for activating a new current account are more or less the same for each institution:
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The 5 best current accounts of October 2021
1. SelfyConto by Banca Mediolanum
With Banca Mediolanum you can open the SelfyConto, it's a zero-fee product with very low operating costs. In the first year, you can sign up for this current account contract and take advantage of the promotion that resets your fee for 12 months, after which you can continue to pay no account maintenance fees if you are under 30. For other customers, the monthly cost of this product is 3.75 euros. However, the bank gives you the possibility to reduce the monthly expense with an ad hoc discount program, for example if you activate a policy or take out a loan.
With the activation of this all digital account, the issuance of a debit card is also included at no cost. The procedure for opening the SelfyConto is entirely online, in order to proceed you must have your identity card, tax code, email and smartphone with you. In order to complete all the required steps, you must in fact start a video call to be able to carry out the recognition with an operator of the institute.
With Selfy you can make free online transfers, activate direct debit and credit to the account and enable the app for payments via the Google Pay or Apple Pay apps. Withdrawals for customers of this bank are also free at all automatic ATMs.
You can activate your account in a few minutes by clicking on the button below.
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2. ING's Orange Current Account
Another product that allows you to operate online with very advantageous conditions and which you can activate if you reside in Lombardy is the ING Orange Current Account. This account allows you to both manage autonomy for your operations and savings, and to contact the ING branches in the area.
The current conditions proposed by the bank allow you to open an account and not pay the fee for the first year. The monthly cost would then be 2 euros per month, but you can continue to have a zero-expense account if you credit your salary or pension to the account, or if you credit at least 1,000 euros every month.
With Conto Arancio you will have:
The credit card that you can combine with the account is the Mastercard Gold, if you activate it and request the Pagoflex service it becomes a revolving card that allows you to pay your purchases in installments (pay attention to interest).
You can request more information on the Orange Current Account by clicking on the link below.
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3. Conto Widiba
Another current account that may be right for you is the new Conto Widiba. This is another product that offers you great convenience if you use the app and website as your main base for transacting. With the promotion you can have this account and all the services offered by the bank at no fee, at the end of this period the cost will be 3 euros per quarter. Also with this bank you can count on a discount program that will allow you to eliminate the costs associated with maintaining the current account.
In the package you will get:
By opening this account you can also apply for a credit card, in particular the institute allows you to activate the Classic which offers you a credit limit of 1,500 euros per month. The cost of this credit instrument is 5 euros every 3 months. Or if you need a higher spending margin, you can subscribe to the Gold which will cost you 50 euros a year but will guarantee you a ceiling of 3,000 euros for your purchases. As a welcome bonus, the bank offers you free PEC and Digital Signature.
You can only activate this all-digital account online and to do so you will need to have an identity card, tax code and you will need to connect from your smartphone or PC, or you can proceed with the SPID.
For more details or to activate your Widiba account, click on the following link.
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4. DOTS current account
In this case it is a card account, this type of product can be activated even if you do not meet the requirements to have a current account. With DOTS you will have the main functions of a current account and you will not have to pay stamp duty.
Among the benefits associated with the DOTS card:
This issuer allows you to choose whether to use only the DOTS in the virtual format or if you also want to receive the physical card. For new customers there is a welcome Gift Card of 20 euros
The app designed in conjunction with this product offers you functions that help you better manage your funds. With Salvadanaio e Saldo Saggio you will be able to put aside savings and you will be able to set spending limits with notifications that will warn you if you approach the threshold you have programmed.
These are the features of the free DOTS plan, you can also choose to activate the paid DOTS and bring your annual top-up threshold to 50,000 euros.
By clicking on the green button below you can request more details on this product or decide to open your DOTS account.
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5. N26 account
The latest proposal for those who want to open one of the best current accounts for residents in Lombardy is an account of the German N26 virtual bank. The basic version of this product is free forever and to be able to open it you will need to download the N26 app on your smartphone, your mobile will be your contact with the bank.
This is also not a traditional account, but an account card with IBAN and this allows you to make and receive transfers and activate automatic debits or salary credits. Transfers between N26 customers are free and instant, even in foreign currencies.
You can have a debit card in digital or physical format, if you request a plastic card you will pay 10 euros for the issue. The fee will be zero and you can pause the card whenever you want. With N26's Standard formula, you only get 3 commission-free withdrawals per month. With the Smart version (which costs you 4.90 euros per month) you can have unlimited withdrawals in Italy and in the EU. There are also other formulas, YOU or Metal, with which you can get free withdrawals in Italy, the EU or around the world and you can also get travel and health insurance policies and advanced functions on the N26 app such as Spaces and Shared spaces. The costs range from 9.90 euros per month to 16.90 euros.
One of the conveniences that you will have with the opening of the N26 account is the CASH 26 service which allows you to deposit or withdraw cash even in the chain stores that have joined this project. You can use the app to track down the most convenient affiliated points for you.
Activate your account or request more information by clicking below.
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