One of the first financial decisions that we must make, and also one of the most important, is to choose the first bank in which we will open our bank account. On many occasions we usually make this decision following the steps of acquaintances or family, but other times because of the advertising that usually appears, but the most advisable thing is to always go further to be able to inform ourselves of the offer in the market and all the benefits that we can achieve in the various banks.
We should always look for compares the different types of products that are offered to us, this with their respective benefits and disadvantages, which is why thinking about that we have made a compilation of some of the best banks to open a bank account for the first time.
Banco Open Sand
The payroll account in this bank does not have commitments or permanence commissions, it is also one of the few that allows up to 5 headlines simultaneously, it gives its clients debit and free credit cards, bank transfers without additional costs and the return of 0.5% in the water, light and internet receipts regardless of the hired company.
This bank also offers a fairly competitive interest if you want to ask for personal loans, loans with an interest of 6.95% which does not include commissions, it also gives you the possibility of hiring a “Advisor theft” to help you invest in investment funds or in another type of investment of your choice.
Banco ING
The payroll account at the ING Bank does not have commissions or conditions of permanence commitment, in addition to this, it offers free debit and credit cards as well as transfers to other immediate banks in addition to completely free.
Banco Ing cards has the possibility of returning 3% of the amount spent on GALP and Shell gas stations, additionally to this, if you are then interested in hiring a mortgage, this bank offers its customers fixed, variable and mixed rates being one of the few entities that allows the hiring of mortgages to 40 years if they get to negotiate correctly.
Bank N26
The N26 account that you can get with this bank is an account that is ideal for those customers who usually travel followed, this because it does not usually apply additional commissions due to the change of currency or for removing cash in the euro zone, nor does it charge additional charges for making payments in other currencies.
If with this account you make international transfers you can get quite low prices in this type of changes, since the bank collaborates with the Wise platform. Bank N26 being a digital bank has an app designed to be able to do any types of operations from the mobile, something that provides greater comfort when making transactions with your account, as well as a greater speed in this section.