Today it is very important that we know best bank accounts on the market to find out which is the best option for us and find the best type of bank account on the market that helps us have the lowest commissions.
The best bank accounts on the market
It is more than evident that everyone is obliged to have a bank account sooner or later, since it is where many people make our payments or collect.
Is where we direct all paymentsWhether they are for household services such as electricity, water, gas and where many companies pay us so it is rare that someone today does not have one.
Many companies force you to direct debit payments, which means that somehow you have to know what they are best bank accounts in the marketoy you should know which accounts have a lower commission and interest rate and what is the amount that they will charge you for maintenance and administration of said account.
This is one of the reasons why sYou should always have the best bank accounts in the market that give us the best results without interest and high commissionss. Today, we are going to find out which are the best accounts on the market.
Evo bank smart account
One of the first accounts that we are going to highlight is the smart evo bank account. This account pays 1% APR of the money you have in your bank account. In addition, once we are clients with more than 6 months in the bank and the account we have with them exceeds 3000 euros, the account is added 2% APR.
This type of account of the EVO smart account, happens to have a commission free policy, even in things that should be charged as transfers. However, for this account not to charge you any type of commission, you must have direct debit receipts or a payroll, either for pension or unemployment.
Another of the best bank accounts on the market that may interest you and which you can count on to be one of the best bank accounts is that of the Ethical and civic banking of the current account triodos.
This is an account that we found very interesting since does not have any type of commission and they do not have extra expenses included during the first 5 transfers that you make each month.
In addition, it gives you the option of being able to link your payroll without having the need to have any card linked to that account.
Deutsche Bank Demand Account db
Another of the best bank accounts on the market that we highlight as the best is the Deutsche Bank Demand Account db. This account will not give you any type of commission and it will not generate expenses of any kind for the entire time you have it. Also Demand Account db of Deutsche Bank It will not add expenses for the cards during the first year, that is, the ownership of the cards will be completely free.
This account is perfect to obtain the cheapest services, since the monthly income can be direct debited in Deutsche Bank's Demand Account db to get the best options in packages.
Openbank
Openbank It is another of the best bank accounts on the market with the most positive reviews in the world. These types of accounts do not have commissions and no service expense will be added to the account. In addition, it will not ask you to direct debit any type of account since you can enjoy all the benefits without this and it will not charge you extra commissions for not doing so.
Thanks to this medium you can have a Direct debit of payroll with an immediate line of credit, something that in the long run is quite useful to cover any type of unforeseen expense that we may have.
Premier Opportunity Account
Another of the accounts that we liked a lot is the Premier Opportunity Account sold by Barclays. This is one of the bank accounts that gives more benefits and above all that more people have as clients, thanks to its incredible advantages. The only bad thing about this type of account is that it has a payroll direct debit system that can take a bit longer since it is a bank that manages a payroll account.
The Premier Opportunity Account marketed by Barclays It gives you the opportunity to have great savings in everything you carry out in the account since it does not generate expenses or commissions of any extra type as long as the income you have in it is greater than 2500 euros or something is contracted within the entity worth 30.000 euros. In case this is not your case, then you will only have an account with normal commissions.
Basic Account that Bancopopular-e sells
Another of the best bank accounts on the market is the Basic Account marketed by Bancopopular-e. This account is completely online and has various account options available to all customers. One of the most popular Basic Accounts that Bancopopular-e sells is the payroll account that rewards holders of the same with an account with remuneration.
It also gives you 0,55 APR for your total account balance per month.
The Basic Account that Bancopopular-e sells is an account that is commission free and any type of expense associated with a card of any type. The customer card does not give you any additional cost.
Regarding only bank accounts
- Checking accounts. These types of bank accounts are widely used since they offer easy access to your money and also have extra protection for your cash because everything can be handled by checks. Customers who have these types of accounts can have their money to pay checks or any type of monthly charge they may have.
Checking accounts are recommended because they always have a great choice of packages within different banks. - Savings accounts. This type of account is one of the preferred by many people since it gives them the option of having one of the best options to accumulate interest. This helps clients a lot as interest rates can be compounded on a daily, weekly or yearly basis. In order for a bank account to be really good, you must take a good look at interest rates. Most of these types of accounts have the minimum interest calculation that you have in the account and based on that interest is given. So that you can get the most benefit from your account, you must understand very well all the benefits and terms that it gives you so that you have the best knowledge about what you are carrying out. You can also enjoy your account by taking the options that best suit your needs as you get to know it.
- Money market accounts. These bank accounts are very similar to the ones we discussed in the previous point, however, to receive this type of benefits, the account charge must be high if we compare it with what is requested in other banks; while in savings accounts, this is not taken into account. In addition, in this type of account the interest rates are given in a staggered way, which makes them favorable rates in very high balances.
- Individual retirement accounts. These bank accounts are known as IRAs and are retirement accounts. Through these accounts, you can save for your retirement with plans that give you many benefits.
The purpose of these types of accounts is that you can save for benefits during retirement. In many of these accounts, which are the best bank accounts on the market, the money can be withdrawn early without incurring any type of tax. In the traditions and those that are not so recommended, if a% is deducted.
Botton line
To choose the best bank accounts in the marketOr, something we must keep in mind is that we must know very well what bank accounts are about and above all that they are obliged to offer us so that they do not give us something that they should actually give us by law.
Most of the time, for everything with the entity to be free, payroll must be domiciled and have endless commitments with the entities, which ultimately leads to almost lifetime contracts with them. In the event that payroll cannot be linked, you can access the purchase of products that many times exceed 20.000 euros.
If we find an account that allows us to change the modality when we want and to which we don't have to link payroll or any other type of documents, then we are dealing with the correct account since these will be the best bank accounts on the market.