Change bank to be better.

It is especially young people who know about online banking. This new generation of banking has already been all the rage for several years. At the moment, adults, seniors and businesses are starting to take an interest in it or at least know the benefits well.

Online banking: what is it?

Let’s start at the beginning first. A so-called traditional bank is the bank that everyone has always known. It has a head office and subsidiaries across the country. To open an account there, you must make an appointment with an account manager that you will meet physically. All the meetings are face to face. The online bank, it’s quite the opposite : no office, no face-to-face meeting, no queue, Everything is done online. These few benefits of online banking are already happening to most people. change bank.

Why choose this type of bank in 2022?

Here are 5 reasons to adopt online banking this year:

• The prices : it is known, their prices are very attractive. Because these banks are subsidiaries of the big banks, but also because they do not pay rent and other charges allows them to offer excellent rates.
• the time saving : no more queues and appointments. Users save a lot of time regardless of the operations to be done. Balance consultation, loan application, credit card application, etc.
• Guarantees : online bank accounts and passbooks are protected up to € 100,000 by the FGDR. Other guarantees are given to their customers.
• The credits : the products are attractive with rates that beat all the competition, unprecedented guarantees and the validation of files is quick and easy.
• The bonuses : all online banks are in competition to attract new customers. They offer welcome bonuses which are very attractive.

How to choose the ideal bank?

Make a comparison

The majority of traditional banks have an online bank. However, it should not be taken for granted that the best traditional bank is the best online bank. There are online banks which are not attached to traditional banks and which offer attractive offers. For a first impression, the best is to make a comparison. There are sites specializing in this kind of comparison. It gives you the best bank of the moment based on several criteria such as the price, the loan rate or even customer reviews. Either way, it’s up to you to make your comparison according to your criteria.

Choose the best criteria

Between the top two or three banks on your list, the ultimate choice will be the one that meets all your criteria. It’s up to you. Some are more attracted to loans, others to international cards with no limit, and so on. Be careful, you still have to weigh the pros and cons. Is the bank that offers a card with no limit the best for you? Are there no additional or other costs behind it?

Multibankarization

If you are not yet ready to completely change your habit by opting for an online banking, why not multi-bank. That means open multiple accounts in multiple banks. This practice is being done more and more to benefit from the different advantages offered by each bank and each type of bank.