Having a personal bank account is already a standard. We can set them up in any bank serving individual clients. However, not all of them can offer us an account for free. Sometimes, in order not to pay, we must meet a number of conditions. What should we remember when looking for a good bank account?
A bank account allows the customer to dispose of the funds collected on it. We can deposit and withdraw, pay with a card, use it to create a deposit. Now, access to account information is even easier than years ago, because we can do it online. We will also perform a number of operations related to our account via the internet, for example, we can order transfers. A bank account, especially that with online access, is today a standard.
In the last year, most banks have raised fees for using the account or introduced additional conditions required to meet when we want to have an account for free. Finding the perfect account is therefore difficult, but not impossible.
Account for free – under certain conditions
In a number of banks, we can still find basic accounts for free, but many of them make the lack of fees dependent on meeting specific conditions. The main of them are defined incomes on the account, for example, 500 or even 2000 PLN per month. If no such amounts are deposited on the account, the bank will charge a fee of a few or even several zlotys depending on the price list.
Opening and closing an account is free in the vast majority of banks. The same applies to online transfers, but it is worth checking if the bank limits free transfers to a certain number, for example, 10 per month. Also, transfer fees often apply to savings accounts. The first transfer from such an account is usually free, and the next ones are quite expensive, for example, they cost PLN 5 each.
Payment card to account for free – when possible?
Subsequent fees are associated with the use of a payment card. Today offers with unconditionally free cards are virtually unheard of. In order not to expose yourself to a monthly fee for having a card, we must usually perform a certain number of operations or pay a specific sum with our card.
Additional fees are associated with withdrawals from ATMs. Withdrawing from a bank ATM or cooperating ATMs is generally free, although some banks have started to introduce fees in the case of low payments, for example below PLN 100. We will pay for withdrawals from other ATMs.
The perfect account is an account tailored to you
Therefore, finding an account that will not be associated with any fees is possible, but usually, we have to meet certain conditions. It is best to look for such a bank account, whose requirements we will be able to implement.
When we do not have an overview of current offers, we can help online rankings to find good bank accounts, which present the full range of offers on one website.