from Mediobanca CheBanca arrives!, current account and deposit
May 12, 08 by Mark75[AUTOMATIC TRANSLATION - SEE NOTE]
Comes a new entrant in the panorama of deposit accounts and current accounts online: Mediobanca CheBanca arrives!, which offers the possibility of opening a bank account, a deposit account, an account “Pocket” as well as apply for a mortgage .
I must say that I Opinion CheBanca site is valuable for good content clarity and information for those who want to understand something more about the different offerings: a positive sign, indicating that banks are realizing that transparency and clarity to customers (even potential) rewards. But we see in detail the types of account that CheBanca! offers. In a nutshell,
deposit account
The deposit account “CheInteressi ! offers base rate of 4.00% (2.92% net) and is zero costs (the client should not pay even the stamp). An offer is in line with the market (which should perhaps consider doing a little ‘ ING Direct which continues to offer 3.00% for Orange Account ), although it must be said that capitalization, however, is only on an annual basis : is the comparison with spontaneous IWPower , which also offers interest of 4.00% but capitalized monthly, thus arriving at a net effective rate of 2.97% pa against 2.92 for CheBanca. In short: an attractive offer, but not the “best market” .
In addition to the deposit account, also offers CheBanca investments with capital tied at 3, 6 and 12 months , with interests respectively (on an annual basis) of 4.30%, 4.50% and 4 70%, or respectively 3.139%, 3.285% and 3.431% net (taxation is always 27%). A return to “beat” is the current performance of the accounts tied IWPower SuperSave Fineco (who ‘s else has adjusted a bit ‘rates offered compared to last time which we have spoken), but – attention – bind the capital for less time: for CheInteressi of CheBanca, but the time constraint translates into higher interest more. The game can be worth the candle, in short, unlike other cases because if the customer does not retain all monies deposited for the agreed period, the capital (less the amount advanced, including a few lines you’ll understand what we speak) What is remunerated at the rate of interest! Base (4.00% gross). It must be said however that there are competing bids that should be considered as Santander Time Deposit which offers 5.40% gross rate as promotional (but not at zero cost: the mark remains with the customer).
An innovative aspect of the deposit account CheBanca is that the interests of the investment are tied advance (Actually it seems that a part of the investment, equal to interest at maturity, is left “liquid”) and credited to a rechargeable card that is sent to the customer. An innovative solution, although it is said that everyone is using this type of interest, but could also discourage anyone from using this form of investment.
Account
The current account is valuable because CheBanca all transactions (transfers, withdrawals from any ATM, etc..) are free. Unfortunately addition to the stamp law, is also provided a monthly fee of 1 euro (a bit ‘ Unicredit Genius One ). Which makes an account “cheap” but the fact remains that there are still accounts at no cost ( IWBank ) or resettable costs (such as Fineco ). < br />
Pocket Account
Account Pocket is evolution reloadable payment card . In fact, the multifunction card, in addition to being used by the owner to make payments and purchases from affiliated businesses, to withdraw cash and transfer money can be used (if you enable the “advanced features”) for receive refills (ie transfers) by a third party, to transfer and utility bills . Enabling this feature, however, involves a monthly fee of 1 Euro. Personally I find that such use is distorting the meaning of rechargeable card, and pays, rather point to a current account “real”, but probably there are some types of clients who may be comfortable with a solution of this kind.
Banking Saving [http://www.banknoise.com ]
Da Mediobanca arriva CheBanca!, conto corrente e di deposito
