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The best commission-free accounts with which you can save 240 euros a year

Date: July 16, 2024 Time: 21:13:29

Nobody likes to pay commissions. The problem is that some clients end up paying up to 240 euros a year to their bank. And that figure only covers the maintenance of the account. If, in addition, the customer asks for a debit or credit card, the final bill may increase.

But having a totally free checking account is relatively easy. HelpMyCash.com.

Even the main banks in Spain market free accounts even if a payroll is not domiciled. So why are so many customers paying fees when most banks offer no-fee accounts? The customer is that these products, in many banks, are only for new people, so while longtime customers have to pay commissions or meet various requirements to get rid of them, new ones don’t have to worry about anything, HelpMyCash sources explain.

Seen what has been seen, the best way to stop paying is to change banks and open an account without commissions in another entity. That or accept all the demands that the bank puts in order to operate without paying.

What are the best free accounts?

The list of free accounts is long. BBVA, Banco Sabadell, Banco Santander, CaixaBank, Abanca, Cajamar, EVO Banco, ING… A large number of entities offer accounts without commissions and without conditions.

The Sabadell Online Account for new customers is one of the best at the moment. It has a return of 2.5% APR the first year for a balance of up to 30,000 euros and returns 3% of all purchases paid with the debit card in July, August and September. In addition, although it is not mandatory to direct deposit income, customers who receive a salary, a pension or an unemployment benefit of at least 700 euros each month will take an additional 200 euros. The Banco Sabadell Online Account has no maintenance fees and includes a free debit card.

The BBVA Online Account is also an alternative to stop paying commissions without having to meet requirements. Of course, like the previous one, it is only for new bank customers. In addition, customers will receive a free Aqua debit card. The advantage of this card is that it does not have numbers and its CVV will change, so it is safer to buy online. On the other hand, those who contract now the account with the code RECIBOS35 can take up to 210 euros. As? BBVA returns up to 35 euros per month for six months for direct debiting at least one electricity, gas, telephone or Internet bill and maintaining a balance of at least 400 euros in the account.

Also noteworthy is the EVO Banco Smart Account which, among other advantages, allows you to make free immediate transfers, withdraw money free of charge outside of Spain and has a remuneration of 2.5% APR for the first year up to 30,000 euros. In addition, EVO customers will receive a free Smart card that has the advantage of allowing them to pay with both debit and credit. This account has no maintenance fees or linking requirements.

Another option is the ING Account No Account, specially designed for users with a digital profile. It has no commissions or ties and includes a virtual debit card that can be associated with Google Pay and Apple Pay. It has the advantage that if the customer makes an online purchase and the order does not arrive or is received defective, the money can be recovered.

More advantages in exchange for the payroll

Customers who can direct deposit a salary can get more advantages, they say in HelpMyCash. For example, Abanca offers an account with no commissions and no conditions for new clients, but rewards those who direct deposit a salary of at least 1,200 euros with a 300-euro gift and a return of 2% APR for one year for a balance of up to 15,000 euros.

1% APR for a balance of up to 10 euros per month. It has no commissions and the cards are free. It also allows you to open a second free account if the client needs it. To enjoy all these advantages, you need to have at least 25,000 euros in investment funds, pension plans or life insurance, direct deposit of three monthly bills and be part of the Mediolanum A Tu Medida program, something that can be achieved by direct deposit of a salary.

* This website provides news content gathered from various internet sources. It is crucial to understand that we are not responsible for the accuracy, completeness, or reliability of the information presented Read More

Puck Henry
Puck Henry
Puck Henry is an editor for ePrimefeed covering all types of news.

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