Without payroll and without commissions, these are the best banks to open a free account

Hiring a bank account without commissions seems more and more a complicated mission. And if that is added the fact of not having fixed income every month, eve

Without payroll and without commissions, these are the best banks to open a free account

Hiring a bank account without commissions seems more and more a complicated mission. And if that is added the fact of not having fixed income every month, even worse. In fact, there are entities in which customers with less bonding must pay up to 240 euros a month just for enjoying the basic operation.

Luckily, there are banks that allow you to hire fully free accounts, even if you do not have fixed monthly income. Of course, as explained from the financial comparator HelpmyCash.com, these accounts are usually completely digital. In other words, users must operate through the APP, digital banking or bank cashs. What are the best?

No maintenance costs or by sending transfers SEPA, the Clara de Avanca account is free of commissions and does not require any type of link. In addition, being 100% online, it can be managed without leaving home, through digital channels. It offers a completely free debit card, even when there are two headlines. With the latter, the holder can pay through Google Pay, Apple Pay and Samsung Pay.

Customers in this account can take out money for free the times as necessary in the ATMs of ATANCA. However, those users who are out of Galicia have the possibility to take money, up to five times a month, in the EURO 6000 ATM network, Sabadell, Bankinter, architect box and engineering box. On the other hand, children under 35 can withdraw cash up to five times each month abroad without cost.

Digital, without commissions and linking free, as well is the online account without Libbank. In addition, it does not charge for the emission of the debit card or by making transfers. As in the case of ABANCA, it will be a requirement to operate through digital channels. Customers will have the possibility of making withdrawn by more than 16,000 cashiers throughout the national territory.

Libbank customers will be able to use the Apple Wallets, Google and Samsung to pay for purchases. And, as it admits even two holders, it is an account that can be opened as a couple and each one will have their own free debit card.

Hiring this account is possible through digital channels and, although it does not require payroll, those that domicilize the salary or pension of at least 600 euros and keep it for two years will take 150 euros as a gift, as indicated from HelpmyCash.

The online entity of Banco Santander, OpenBank, offers the Open Current Account free of maintenance commissions. With it it will be possible to operate free of charge and without relationships, make free transfers and use the debit card to take money out on the more than 7,000 cashies that Banco Santander has in Spain.

In addition, the entity customers will be able to link their card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay or OpenBank's Wallet himself to pay his shopping with his mobile phone or his smart watch. And one of the strengths of this entity is that your customers have access to a broad catalog of discounts, with which you can save money on purchases.

This account, in addition, is one of the few that allows to have up to five headlines. Of course, a single debit card is delivered free of charge. Each additional card can be contracted by paying an annual fee of 18 euros.

Although the name lends itself to confusion, the NOM account of ING does not apply maintenance commissions, or not. This account also supports up to two headlines and offers free cards to both, with which you can make withdrawn by more than 50,000 cashiers throughout Spain or pay with the mobile through Google Pay, Apple Pay or Twyp.

However, those people who decide to dominate the payroll, pension or provision of any amount or carry out monthly income from 700 euros will be able to achieve additional advantages. In fact, the holders who meet these conditions will be able to enjoy a free discovery service for two days and access the Orange Shopping discount package that allows to refuel at Galp and Shell gas station by saving 3%.

Updated Date: 26 November 2021, 06:05

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