Updated Wednesday, September 22, 2021 – 12:00
Opening a joint account to manage the expenses of life as a couple is usually the majority option to manage the daily economy. But you no longer need to go to a physical office or pay commissions. Today there are easier and cheaper alternatives.
There are banks that offer accounts ‘online’ for several holders and without links.
Managing expenses as a couple such as rent, household bills or shopping is usually easier with a joint account. And although many people think that to hire one it is necessary to go to an office or pay commissions, the truth is that there are easier and cheaper alternatives. In fact, today there are banks that offer accounts on-line for multiple holders without requiring linkage to eliminate commissions and they provide free cards. For this reason, before hiring one, the experts of the financial product comparator HelpMyCash.com recommend carefully reviewing the conditions of shared accounts and thus avoid unnecessary commissions. These are three accounts that can be opened with two holdersNo commissions and they hardly have any requirements.
TheBBVA Online Account Without Commissions has no connection requirements nor does it charge commissions for maintenance or administration. Of course, HelpMyCash experts point out that, in order not to pay commissions, the holders must be new clients of the bank and register through the entity’s website or app. Once the opening is confirmed, users will be able to manage the account from all digital channels and go to the offices to solve doubts or incidents.
In addition, each of the account holders may have an Aqua debit card. One of the plastics safest on the market because it does not come with printed numbers or expiration date. In fact, all this information must be consulted from the app and even the CVV is dynamic. Another advantage for the clients of this entity is that they will be able to use the bank’s more than 6,000 ATMs, use Bizum and pay with their mobile through Apple Pay, Google Pay and Samsung Pay.
To hire theING Payroll Account without commissions and enjoy all the advantages from the orange bank it is enough to domicile monthly income of 700 euros (a transfer from another bank is useful).
In addition to having a complete service without costs and with free debit and credit cards, the holders of this account will be able to enjoy other advantages. ING customers have at their disposal more than 50,000 ATMs throughout the national territory at no cost, two free overdraft days and a SEPA transfer service that arrive at your destination on the same day. And, if desired, it will also be possible to link the card with Apple and Google Pay, activate Bizum and have full attention through digital channels or in the office.
TheClara de Abanca account is another 100% alternative on-line that can be contracted without having to meet linkage requirements or pay commissions. With the free debit card associated with the account, it is possible to withdraw unlimited money at all Abanca ATMs. And outside Galicia it is possible to withdraw up to 5 times a month for free at the more than 17,000 ATMs offered by the network of banks associated with Abanca (Euro 6000, Bankia, Sabadell, Bankinter, Caja de Arquitectos and Caja de Ingenieros). In addition, Holders will be able to enjoy all the promotions of the Euro6000 Privileges to pay less for gas, restaurants or experiences.
As with the previous entities, Abanca customers will be able to send and receive money through Bizum, as well as activate mobile payment through Google, Apple and Samsung Pay. And if customers are under 35 years of age, they can request the T NX debit card with good conditions for travelers, since they can make up to five withdrawals per month at any ATM abroad.
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