Guide to the Best Current Accounts 2024: Account Reviews in Promotion
The current top accounts of 2024
If you are looking for the best bank account in circulation you are in the right place. We will see together advantages, disadvantages and, of course, the costs of all the best offers of the banks.
But now we look in detail at the various current accounts to understand which one is best for your needs
Orange Current Account – The zero-feeling account that offers you up to 4% unconstrainted return
One of the best current accounts currently available on the market is undoubtedly the one offered by Ing Direct: the Orange Current Account.
The Credit Institute certainly knows it because it is one of the safest in Europe and boasts over 37 million customers worldwide. So at the safety level there is no doubt, but it is not the only positive aspect of the account; in fact, by activating the Zero Constraint Module you have included withdrawals at €0 in Italy and Europe, free transfers both online and through Customer Service and a cheques form.
By choosing to deposit part of your savings in Account Orange you also have the possibility to get up to 4% annual return without any constraint.
The Costs of Orange Current Account:
- Opening costs: 0 €.
- Monthly fee: € 0 (with the Zero Constraint Form after the first year continues to be free if you credit your salary/pension or a fixed income of €1,000, otherwise it costs €24 per year).
- Withdrawals: €0.95 in Italy and Europe; €0 with the Zero Constraint Module.
- Transfers : 0 € online.
- Bount tax costs: 0 € (for average stocks below 5,000 €).
Plus:
- Virtual prepaid card: 0 € (if you choose the physics has a cost of 10 €).
- Credit card : Mastercard Gold with zero fee.
How reliable is it:
Ing Direct is one of the strongest banks with a CET1 of 14% the highest in Europe.
I like it because:
- You can get up to 4% return by depositing a part of your unconstrained savings in Orange Account.
- A real account at 0 expenses: with Account Corrente Arancio you have all the peculiarities of the other accounts, but you can also take advantage of other services at 0 expenses such as the payments of MAV and F24 directly online and all transfers even if you decide to make them on the phone or in the branch by activating the Zero Vincoli Module.
- Credit Card: with Orange account you can request a classic credit card (a Gold Mastercard for clarification) at a cost of 2 € /month, which can become €0 reaching 500 € monthly expense or activating Pagoflex. In addition, the card can be activated and suspended during periods of non-use.
- Pay instalments: with the classic credit card you can activate Pagoflex a system that allows you to install your expenses.
- Home Banking: the online reserved area is easy to use; also you can download, always for free, the Ing Direct App on your smartphone with facial recognition or with a fingerprint to manage all your movements and all your cards in a simple way and wherever you are.
How to open Conto Corrente Orange:
You can open the account in a few minutes from any device in a few steps:
- Log in to the site.
- Fill out the form.
- Upload the digital signature and required documents (tax code and identity document).
- Activate the account with the webcam.
Open the Orange Current Account now
SelfyConto – The account you can withdraw with anywhere without commissions
Are you looking for an account that has the most possible but cost-effective operations?
I have the product for you: the SelfyConto current account, the innovative bank Mediolanum account that, in addition to allowing you to smart management all operations via smartphone, allows you to get loans in an easy way and in real time as well as to invest your savings.
Costs of SelfyConto :
- Transfers : 0 € in SEPA area (7 € in SEPA extra area).
- Monthly fee: € 0 (for the first year or until the age of 30; then 3.75 €/month).
- Withdrawals : 0 €.
- Opening costs: 0 €.
- A price of stamp duty: 34,20 €.
- Paper statement: 0,77 €.
Plus:
- Debit card: 0 €.
- Credit card: 0 € for the first year (from the second year 80,00 €/ year).
How reliable is it?
Banca Mediolanum is the first banking group in Italy for its solidity and also among the first in Europe. At the moment, in fact, the Mediolanum group’s solidity index has a CET1 of 21.8%.
Because I like it:
- The main operations are free.
- Request personal loans in real time with SelfyCredit Instant directly through the app.
- Management of funds online.
- Online trading: You can operate directly via smartphone on 24 real-time markets.
- The debit card is compatible with Apple Pay, Google Pay, Samsung Pay and Garmin Pay.
How to Open SelfyConto:
To open SelfyConto you have to go to the Banca Medionalum website and follow the wizard having at hand the identity document, the tax code and your smartphone.
Well, I have listed the best current accounts of the market and as you will have noticed all these products have a strong digital side (in some cases it is not just a side but its totality), this is because they are of the opinion that now the time is completely ripe to rely on an online management system of your money.
The services offered and the costs are incomparable compared to a traditional current account
Now you just have to find the product that best suits your needs and, I recommend, remember the cost of the stamp duty of 34.20 € per year (it is mandatory by law).
