The opening fee, the maintenance fee, the expenses of the linked credit card… These are costs that, traditionally, have gone hand in hand with the fact of contracting bank accounts. Furthermore, to acquire them, the requirement for a regular payroll was another classic. In short, until recently, an operation so essential for anyone involved the recurring disbursement of money for concepts like these. However, the offer has been democratized and today it is possible to contract accounts without commissions or payroll.
At the same time, in recent years the cost of commissions and linked products that had to be contracted to open an account have become more expensive. In fact, there are still entities that include them in their products, causing “some clients to pay up to 240 euros per year for maintenance,” they point out from the financial products comparator HelpMyCash after analyzing the current panorama of the sector.
However, the current account offering is much more flexible than before. Now it is possible to contract this type of products not only without commissions, but also without having to have a regular payroll. That is, with a pension or self-employed income, for example. It is possible that the conditions or benefits of these accounts may vary for those who do not have a payroll, but the three presented below, at a minimum, will not charge anything to open them and even offer extra advantages to consider.
