Discover with me the characteristics of Banca BPM’s bank account You
Do you need to open an account that is easy to manage and with costs within your reach or even better resets? If you are looking for an account on the Italian banking landscape, you need to consider the bpm bank account you web.
Index
- How much does the BPM You account cost
- The Plus ands
- Other costs
- Target: to whom they turn
- How to open your BPM account
- Type of management
- Popular Bank of Milan is safe
- Opinions on the BPM You account
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How much does the BPM You account cost
How much does it cost to open a BPM You account? For the BPM account, the costs are quite small mainly for young people!
In fact, the monthly cost of the current account is zero for those under 27 years old.
Only a stamp duty of €34.20 per year will be due annually.
For those over 27 years of age, the total annual cost of Banco BPM’s You account is 82.20 euros including stamp duty (mandatory by law).
The Plus ands
What are the main benefits of BPM You? This current account is on how advantageous, among the pluses that can corroborate the choice to rely on this bank there are:
- The possibility of not paying the fee until the age of 27. In addition, if you credit the salary or pension you get a discount of 1 euro on the monthly fee;
- The Internet and the Banking App are included in the fee. The web portal and app are ideal for performing major banking operations.
- Digital identity from a Green perspective: digital identity is a service that allows you to eliminate queues in the branch. Thanks to this functionality you have the possibility to sign the documents digitally or the contracts by application.
- Investments: With Banco BPM’s You account you have the possibility to access your investment plan, with the portfolio you can own shares and asset classes. The investment area also offers the possibility of having an overview of the portfolio depending on the instruments used.
Other costs
What are the other costs for those who open the account You? In addition to the costs for the fee, there are also other expenses to consider. Among the main ones are:
- 2.00 euros of monthly fee for the Mastercard debit card;
- 75 euros per year for the issue of credit card;
- 1.25 euros for sending the paper statement;
- 4.50 euros for the SEPA transfer;
- 1.30 euros for the transfer from mobile / online.
These are the main expenses provided for the management of the Account You.
Target: to whom they turn
The BPM Bank Account is aimed at a young target. The children who have not yet turned 27 in fact have the advantage of being able to avoid the payment of the monthly fee, moreover, young people are certainly more attracted by the possibility of managing the current account completely online.
The You account, in addition to young people, however, also refers to all salaried workers and pensioners who want to break down the fee by crediting the salary or pension, while obtaining the possibility of managing the account both online and in the branch.
How to open your BPM account
Opening the You Account is very simple and allows you to not deal too much with the bureaucracy, especially if you want to transfer your checking account from another bank.
In fact, the current account is transferred to Banco BPM directly by the bank’s experts, without any problems.
To open the online account you need:
- Access the website dedicated to the Account You;
- Activate the digital identity service;
- Open the account by identification by a small bank transfer.
If you already have an account at another bank or don’t want to open You online, you can opt for opening in the branch. In this case, it will be enough to choose the nearby branch by making the identification of person.
Type of management
The management of the current account is simplified thanks to the use of the website section for customers or from the application.
With YouApp you can carry out all the main operations of managing the current account from the transfers, to recurring payments up to the view of the expenses and credits received.
In addition, the application also provides a comprehensive support profile. You can ask for help from the virtual assistant “Paolo”, or you can talk to the voice assistant or call customer support.
In addition to the application and from a web browser, it is possible to manage operations directly in the branch or through the ATMs of the bank.
Payment management is also optimized by simplified online management, in fact, you can pay for postal slips simply by framing the QR Code. You can make fast transfers, and the payment of MAV and RAV, F24, Bubble Auto, Pago PA.
Popular Bank of Milan is safe
Is Banco BPM reliable? Banca Popolare di Milano, according to the latest published data from the European Central Bank, is sure
In fact, the precautionary requirements set by the ECB have been exceeded, with a Total Capital Ratio of 14.10%.
The choice of Banco BPM is therefore safe and allows you to save, make payments and investments quietly. Finally, also for the YOU account is guaranteed a coverage, as foreseen by the Interbank Fund, equal to 100 thousand euros.
Opinions on the BPM You account
BPM account for opinions? Opinions on the new BPM bank account You are quite positive.
Those who have chosen to open the account, especially the youngest have highlighted the considerable savings that can be obtained thanks to the discount on the annual fee. In addition, they appreciate the ability to open and manage the account completely online.
Even those over 27 years old have stressed, however, that the account is able to meet their needs, also with regard to the possibility of managing investments.
In general, the current account has an average cost and offers many services that are considered advantageous by users who have decided to open Account You.
