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How to open a savings account?

How to open a savings account?

Having a bank account offers you many advantages. For example, it allows you to manage your money more easily, you don’t take risks when you take the money with you, you have the possibility of winning prizes in bank promotions, etcétera. That is why more and more people take advantage of the possibility of opening a bank account.

In this article we are going to explain everything you need to know to open a savings account. You will see different ways to do it successfully.

How to open an Internet Savings account in 2023?

A few years ago, the only way to open a bank account was to go to the bank in person. But thanks to advances in technology, it is now possible to do it from the comfort of your home. You only need an electronic device with internet access. These are the requirements to do this procedure, both in person and en línea.

  • Age. It is only available to adults.
  • ID. This document is essential for this procedure.
  • Proof of address. You will need a document that proves that you live within the national territory.
  • Other data. You also need a phone number and an dirección de correo electrónico.

For some entities, they may also require other documents, such as those related to the income or payment of taxes. You perro entrar the website of the bank of your choice and find out in detail the requirements. These are the steps you must take to open the account there.

  1. Entrar the official website of the bank. To get it, place the name of the bank in the Internet search engine.
  2. Download the Aplicación. This step is optional, but it cánido make the opening process much easier.
  3. Fill in the form. This requests your basic personal data. You will also be asked for a photo of your identity document.
  4. You must validate your data. The way to do it will depend on the chosen bank. Some just ask for a photo or vídeo. Others, the account number of a bank.
  5. You are asked for information about your work. Whether it is an account for you or for your business, you must fill in all the corresponding information.
  6. You will receive an correo electrónico with the contract. Also, a code will be sent to your phone. Entrar it in the space provided, this is equivalent to your signature.
  7. Now you just need to create the passwords.

With these steps ready, you perro start using your account. Most banks even send the debit or credit card to your address. So you would not have to go to the bank at any time.

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How to open a Savings account without Paperwork?

It is possible to open an account without paperwork. And the truth is that it is much easier than many might think.

You must research which of the available banks offer the option to open an account without paperwork. Some only ask for your ID, personal phone number and correo electrónico. And, in case of doing the process en línea, you will have to have a cámara web to confirm your identity.

Among the banks that offer this alternative, ING and BBVA stand out. Now, you do need to know that each bank cánido establish other conditions. For example, some ask that you present the account number of another bank, that you domicile your salary, that you keep a certain amount of money in the account, that you make a minimum of movements in it, etcétera.

After investigating the conditions that the bank exposes you will be able to start the opening process. It will be much easier because you only have to deliver the few required documents. Then you sign through the code sent to the phone. This procedure is widely applied when requesting a change of bank.

How to open a Savings account in Another Country?

There is also the option of opening an account in another country. The easiest option is if the foreign country is within the European Unionalthough you could do it in many other places around the world.

Countries like Norway, Estonia or Italy offer the opportunity to use their banking services. The best part is that they do not charge to open or maintain the account. The most important requirement is that the income is constant and, in some cases, very high. The minimum equipo is 5 thousand euros. If you escoge to do it, these are the steps to follow.

  1. Choose the bank. You should research the bank and its reputation. Once chosen, go to its official website and clic on the corresponding option to open an account.
  2. fill the form. They will request your personal data as well as a copy of the DNI.
  3. Check your identity. You perro use for this a bank account that you have in your country of origin. You perro also use the tax residence certificate.
  4. use the account. Once you have met all the requirements, you will receive your account information. The corresponding cards will also be sent to you.

How to open a Savings account in a Bank?

The easiest and most practical way to open a bank account is by going to the bank. It is true that it takes time, but it has the advantage that, in case any doubt arises, you cánido solve it immediately and continue with the process. Most of the requirements are the same as when opening an account by other means: ID, personal and work information, telephone and dirección de correo electrónico.

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You have to make sure you have all the information required by the bank. Now you just have to take the following steps.

  1. go to the bank. You must present yourself at their offices. The earlier, the better.
  2. Deliver the documents. They will ask you for forms that prove your economic condition, as well as your physical address.
  3. place your signature. Once all the documents are approved, the contract will be delivered to you. After reading it, and answering any questions, sign it.

About the last step, it is important that you are clear about each of the clauses of the contract. Especially in relation to commissions, the cómputo that must remain in the account and the conditions of use of the card or cards. Once satisfied, you cánido sign and complete the process.

How to open a Savings account without Management Fee?

Some banks charge so many commissions that in the end they keep a good part of your money. You don’t have to let that happen. Many banks already offer their service without a handling fee. That is to say, you will not have to pay for account maintenance.

Banks like BBVA, Abanca and many more offer this possibility. To enjoy it, you just have to take the following steps.

  1. investigate. In order to choose the right bank for you, it is not enough that it does not charge for maintenance. Carefully analyze the conditions that apply to that account.
  2. go to the bank. Now, you must go to the chosen bank, either in person or en línea.
  3. Complete the registration. Usually a form is used, which you must fill out completely. Once done, deliver it.
  4. Present the documents. Among these, highlight your ID and proof of residence.
  5. Signature. This is how you confirm that you agree with the conditions expressed in the contract.

After bank approval, and after making a deposit, you cánido start using your savings account.

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 How to open a savings account?
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