Let’s discover Banca Sella’s Go Credit Line of Credit together
Do you need to have a money pool without the costs of managing a checking account or the bureaucracy of a credit card?
Go Credit Sella is the right solution for you. A reservoir of money to draw on for any eventuality!
You can realize your dream in the drawer, or buy that item you have always wanted thanks to the Banca Sella credit line. In just a few simple clicks you will have a reservoir of money that can meet your needs.
Let’s go immediately to see in detail how Go Credit works, what requirements to get it and what are the opinions on this line of credit. Read on this review to find out everything you need to know about Banca Sella’s Go Credit!
Index
How does Go Credit work
Go Credit saddle works exactly like a gas station, only instead of fuel, it delivers money.
The money you want to use can be credited to your bank account, or on other accounts or prepaid cards with IBAN that allow the crediting of sums of money, as long as they are in your name.
You can use your credit on Go Credit Banca Sella whenever you want, as long as available. Every time you use it, your money pool shrinks, just like a fuel tank that gradually empties.
You can still go and replenish your Go!Credit piggy bank through the payment of comfortable monthly installments. The installments will still be charged only in case of use of the credit, otherwise nothing will be reduced.
I immediately give an example to better understand: we put you in the amount of € 1,000 on Go!Credit and use only 300 € to incur an expense. The payment of instalments and related interest will be calculated only on the expenditure incurred, not on the remaining amount (700 €) until it remains intact.
How to request Go Credit
You can request the Banca Sella Go Credit directly from the site or from the Banca Sella App and from that moment the money will always be at your disposal
The choice of both the monthly instalment to be paid and the amount to be paid, within the maximum limit of € 2,000, depend on you. Instalments will be withdrawn from your current account on the 20th of each month.
How much does Go Credit cost
Go Credit Banca Sella is absolutely free. Even making the withdrawal costs nothing and you can do so at any time. If you don’t need to use it, you can still store it to keep it available, in case of an emergency.
The only costs are the following:
- 1 € per month for practical management;
- 0.70 % monthly commission for single use;
- 1.50 € for sending the paper report;
- 0.25% of substitute tax.
What are the requirements to apply for Go Credit
To request Go Credit Banca Sella You do not need to be a depositors of this bank but you have to be resident in Italy and be at least 18 years old.
The documents to be uploaded at the request of Go!Credit are:
- Identity card;
- The tax code;
- IBAN code of the account or the rechargeable card through which you want to reimburse the installments.
Is Banca Sella safe?
Go Credit is a safe product. It is managed by the banking group Banca Sella Holding, founded in 1886 in Biella and now present in 7 countries.
The group, which has over 300 branches in Italy and provides its services also through digital channels, closed 2020 with a positive balance sheet: net profit was 28.1 million euros, while direct funding increased by 9.1% to 12 billion euros.
Good performance also with regard to the asset strength indices: the Cet1 was equal to 16.09% while the Total Capital Ratio at 19.94%.
Read the review of Banca Sella.
Opinions about Go Credit Sella
We just have to go and see the opinions on Go Credit by Banca Sella.
The reviews published online are very positive and, among the most appreciated aspects, there are above all flexibility and ease of use.
Many claim to have used this tool to meet sudden expenses for health interventions or the purchase of furniture or small appliances in the event that it is not possible to apply for a personal loan from a financial institution or activate the sale of the fifth.
However, it is always necessary to pay attention to interest rates: even if the tan is rather low and calculated only on the amount actually spent, it is still necessary to consider the Taeg or ancillary expenses such as those for the investigation of the practice and the management.
