What to look for when choosing a personal account?

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When opening a bank account or transferring it to another bank, we have a tough nut to crack. We have to familiarize ourselves with the offers of many institutions available on the market. Meanwhile, when choosing a personal account, several individual factors really matter. Usually, these are, of course, the costs of maintaining, using the card and withdrawing from the ATM network. Your choice determines the fees you will pay for the account, as well as the comfort of its use, for the coming months or years.

Define your needs
Many of us also use ATMs abroad, currency conversions or express transfers. Therefore, before you decide to choose a specific personal account, make a list of your needs regarding the account. Perhaps the prices of non-standard operations that you perform are quite high. In such a case, it is worth choosing another personal account offer available on the market, where you denmark whatsapp database pay correspondingly less for the most frequently performed operations. Comparing only the technical functionalities of accounts does not always make sense. Because almost all banks in Poland have already introduced access to the transaction system via the Internet, mobile banking and the possibility of making transactions by phone.

Bank promotions
"Bank cherry eaters" hunt for promotions quite regularly. As a new customer, you will be able to take advantage of many of them. Therefore, first check the current promotions for opening personal accounts. Perhaps, in addition to a free account, you will also gain additional funds for card payments or meeting other activity conditions. These can be amounts of even several hundred zlotys to be obtained within a few months.

That's why it may turn out that if you choose the right personal account, you will not only pay nothing for it. But you will also earn money on it. Sometimes these are additional benefits in the form of cinema tickets, discounts in chain stores or higher interest rates on a savings account.

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Check the fee and commission schedule or a professional review of a given account online to see how much you will pay for the most common operations you perform. The basis is the cost of using a personal account, debit card and a network of own and third-party ATMs. Other important factors are, of course, fees for standing orders, regular and instant transfers.

Some banks do not charge a commission for maintaining an account and using a card from customers who actively use the account. They regularly make transactions with the card or through a payment application installed on the phone. Such information is crucial when choosing a personal account. At the same time, it is quite easy to find it, both on the bank's website and on the Internet, on financial websites.