Bank accounts have evolved in the 21st century

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A bank account is currently an interchangeable name for an account set up on the basis of an agreement with a bank. It is used to collect and manage funds. A personal account is also called "ROR" or a basic "Savings and Settlement Account" for individuals. The cheapest bank accounts are currently personal online accounts, without most traditional fees. You can set up an account online. All you need to do is choose one that meets your expectations. We usually expect an account to offer a whole range of services at no additional cost. Below is a description of such a banking product with the option of setting it up online (by filling out an application).

Photo: flickr.com
Photo: flickr.com

Advantages of electronic accounts
A modern bank account and its basic benefits that cannot be found in many other banks:

PLN 0 for setting up an account online (contracts are delivered free of charge by courier)
PLN 0 monthly and annual account maintenance fee
PLN 0 for account access via the Internet and telephone
PLN 0 for transfers made via the Internet (confirmation via free SMS with a one-time password from the bank)
the ability to create an account with or without a card
PLN 0 for issuing and renewing a free debit (ATM) card to the account
0 PLN annual fee for using the card
0 PLN monthly card fee
PLN 0 for card withdrawals from ATM networks in Poland
PLN 0 fee for cash withdrawal at the store's cash register (cash back service)
The bank does not require regular inflows of funds into the account
A bank account in, for example, mBank allows you to set up an egypt whatsapp database savings account service with a higher interest rate on your funds to your basic eAccount. Also without fees for its maintenance. In turn, Nest Bank, which collects reviews, has good opinions about the NEST account. It does not require the holder to make card payments for minimum monthly amounts.

What is the procedure for setting up an account?
Photo: pixabay
Photo: pixabay

You can set up an account via courier or completely electronically, i.e. without signing paper agreements. To set up an account electronically, you must have another bank account (with your personal data) from which you will make a confirmation transfer (e.g. PLN 1) to the new account. You fill out an electronic account application. The bank contacts you and, at a time convenient for you, sends a courier (free of charge) with agreements for you to sign. The courier takes copies of the agreements to the bank. You receive instructions with the agreements on how to quickly activate the account via the Internet. If you selected a card when filling out the account application, the bank will send you a debit card prepared for you by post free of charge within a few days.