Opening a current account is fairly simple. The process may vary slightly depending on the type of bank and/or the opening channel used (opening an account online, in a branch, or directly by phone). Let's take a look at how it's done.
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In general, to open an account it is necessary to carry out the following operations:
- Read the account conditions carefully
- Sign and deliver the contract
- Photocopy of identity document and tax code
- Financial identification
What are the currently advantageous offers?
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There are numerous offers on the market, especially for banks that operate exclusively or also online. Unicredit, Ing Direct, Webank, Widiba, Che Banca, IW Bank, Hello Bank, Banca Mediolanum, Fineco Bank, and N26 are some of them. To encourage opening a new current account, banks also offer bonuses or gifts. Banca Mediolanum rewards new customers with a smartphone, WidiBa with a €120 voucher to spend on Amazon, Webank, Ing Direct, Crédit Agricole , and Che Banca promise a nearly completely free service, and Che Banca offers a €100 voucher to spend on the tech shopping portal ePrice. Some tips…
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Beyond the momentary excitement a tempting offer may generate, it's always important to focus on the account's quality and its "full-service" features. This type of analysis is very simple if you check the information sheet for the main expense items that will be most affected by the type of use you'll make of it: Withdrawals? Bank transfers? Utility payments?
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