Whether you live as a couple, with friends or family, shared accounts are an excellent option to manage common expenses or to save. The financial comparator HelpMyCash remembers that with a joint account it will be easier to “manage common expenses such as rent payments, household bills or school fees by centralizing them in a single account.” In addition, they are also an excellent instrument for saving, since you can set common savings goals “such as buying a car or vacations,” they add from HelpMyCash.
However, as the experts at HelpMyCash.com remind us, “not all shared accounts are good” despite the fact that more and more banks offer gifts or extra benefits in these types of products, “since some joint accounts may have requirements or charge commissions”.
For this reason, and to make the selection easier, the comparator has selected the five best shared accounts. All the selected accounts do not have requirements such as direct deposit of payroll or receipts, but, in addition, they will not charge commissions on the most common day-to-day operations, and they will give a debit or credit card at no cost to each of their accounts. Headlines.
At the top of the list is BBVA’s Commission-Free Online Account. This account supports up to two account holders, but also offers the best promotion of the moment, since you can achieve 720 gross euros per year only by direct debiting the electricity, gas, Internet or mobile bills, since it refunds the amount of these bills up to 60 euros gross per month.
In addition, it gives access to an Aqua debit card, one of the safest as it has a dynamic CVV, at no cost.
Another equally interesting option is the EVO Welcome Smart Account. Likewise, it admits up to two owners and does not have any type of requirements or charges. Likewise, it offers other additional advantages such as a profitability of 2.85% for a maximum amount of up to 30,000 euros, which will allow the savings destined for these shared projects to grow.
The Revolut Joint Account is an alternative with no maintenance costs and does not require direct deposit of payroll. It is an ideal account for digital profiles, it allows you to manage shared finances completely online through the app, without requirements or commissions, being an excellent option for people who travel abroad frequently, as it allows you to withdraw money from any ATM in the world. for free. In order to open it, it is first necessary to sign up for an individual account.
The Santander Online Account also supports two account holders. It is an account without commissions and without any type of demands.
However, if you have a payroll of more than 2,500 euros, and you choose to domiciliate it with the entity along with two receipts, you can obtain 400 gross euros as a gift (for lower payrolls the prize is 300 gross euros).
Finally, the ING NoCuenta Account closes the ranking. It is also an account that supports up to two account holders without any requirements or maintenance costs. Additionally, each holder will receive a virtual debit card. The account comes accompanied by online shopping insurance.
