Find out which business account of CheBanca is right for you with this practical guide
Are you undecided between a digital business account or one with more advanced operations? Thanks to Chebanca and its business account you can have both!
This institution, which is part of the Mediobanca financial group, has in fact several current account solutions aimed at freelancers and companies.
Let’s go straight to find out everything you need to know about the company account Che banca.
How much is the CheBanca business account cost
Currently, the lines of Company current account di ( thes What a Bank There are two of them:
- Digital Account: suitable for everyday banking operations and for those who prefer to have greater operation especially online;
- Premier Account: the Chebanca! business account dedicated to those looking for an account to manage daily banking operations, but also want to enhance their savings thanks to investment proposals.
What differentiates the two types of a company bank account? Without any doubt the costs:
- The Digital account has a fee of €2 per month which includes unlimited online transactions, free international debit card and included home and mobile banking services;
- The Premier Account instead has a monthly fee of zero only in the first month of activation, after which you pay 5 € monthly with the possibility of serving or resetting the fee depending on the promotions in progress.
The Plus ands
With a corporate account Che bank in addition to:
- Arrange and receive transfers;
- Paying the bulletins;
- Carry out withdrawals;
- Accredit salary or pension and do home utilities;
- Shop with your smartphone with mobile payment services;
- Request the match of the account with a debit card (always free) and credit cards;
- Do the main banking operations 24 hours a day on the internet in a completely free way;
- Pay bills and taxes with the CBILL service, also authorized to pay / PA, directly from the PC or from the smartphone;
- Request Telepass and charge uses on your current account;
- Book foreign currency from your CheBanca! Customer Area and withdraw it in one of the agreed Forexchange agencies;
- With the “Premier” account, finally, it is also possible to activate a securities dossier through which to make investments with which to see your capital grow and operate in a branch in an unlimited and, in the case of the main operations, even free.
Other costs
The The business account CheBanca provides in addition to the monthly fee the following other costs:
- Annual stamp tax currently equal to €34.20;
- Expenditure for issue cheque forms (from the second form, for each calendar year, only in case of shipment): 5,25 €;
- Sending statement by post at the request of the customer for each sending € 0.80;
- Commission for cash withdrawal at the ATM at another bank/intermediary in Italy: € 2.5 for withdrawals up to €100;
- Commission for cash withdrawal at the ATM at another bank/intermediary in Italy: €0 for levies greater than or equal to €100.
Target: to whom they turn
While the CheBanca Digital corporate current account meets the needs of a low-operational clientele that prefers to carry out their operations especially online, the Premier account certainly offers more options even for those who work at the counter and want to have a valid tool even from the point of investment.
In fact, it allows to activate at any time and at no additional cost a securities dossier that allows access to a wide range of funds from the main investment houses.
How to open the CheBanca business account
Both types of Corporate current account Che Bank can be opened in a few minutes online from the official website, having at your fingertips the following documents/data in paper or digital format:
- Valid recognition document (identity card or driver’s license or passport);
- Tax code or health card;
- Android or iOS smartphone with sim active;
- If you already have a checking account, your current IBAN.
Type of management
Both accounts can be managed directly online via the bank’s free internet and mobile banking services. Online payment is also allowed to pay MAV, RAV, F24, bills and phone top-ups.
Which Bank is safe?
CheBanca is part of Mediobanca, a historic financial group founded at the end of the Second World War to promote reconstruction in Italy.
However, the establishment of Che Banca, the Group’s first online bank, dates back only to 2008, when it received deposits of €5.3 billion and 170,000 accounts were opened.
A further step in the development of CheBanca, which in the meantime has become multi-channel by opening its own stores and offices, was the acquisition in 2016 of Barclays’ retail banking in Italy.
Looking at the financial data, it can be noted that the institution is in constant growth both in terms of revenues and in terms of profits.
As regards financial stability indicators, the CET1 is 16.3%.
Read the full CheBanca review.
Opinions on the company account of CheBanca
The business account CheBanca! It is designed specifically for small and medium-sized enterprises, individual companies and freelancers looking for a practical and fast tool to manage their finances.
From the point of view of costs, being a bank mainly online that also offers offline services in the branch, are all in all acceptable especially when there are promotions that allow to reset the fee.
However, if you are looking for a business account with greater operation and/or with lower costs perhaps you should look elsewhere.
