We have already dealt with banks that have recently changed hands or are about to change. In this article we will show you which account packages and term deposits may be most attractive to the average customer from the offerings of these banks.
When examining the account packages outlined in this article, we set up our account comparison calculator as follows (“Average Usage”):
1 $ 10,000 off-line transfer outside the bank, 3 direct debits totaling $ 10,000, 10 credit card purchases totaling $ 10,000, and using the cheapest annual card and internet bank, requesting mobile notification and two free cash withdrawal statements. In our compilation, we expect to receive a monthly income of $ 160,000.
A smart decision comes with a smartphone
With the Faizen Bank Fee Zero Plus account, the bank expects to receive an income account of $ 50,000 a month (this can be done in two installments, for example, if a couple opens a joint account). Examining the average usage setting in our bank account calculator, you can see that the account management fee is 0 forints, and when making our transfers via netbank up to 100,000 forints per month, there is no need to pay a transfer fee. All you need to do is pay the annual fee for your credit card and the monthly fee for your mobile notification service, as well as the sms fees. This gives a total cost of $ 10,866 per year.
Faizen has just launched an action to give away a smartphone when it opens a new Prize Zero Plus account. As a condition of the promotion, the bank expects a minimum of $ 150,000 in income, which is a bit of a burden compared to the account income requirement, which states that it may take up to two installments to credit the income. This gift can be quite attractive due to the gift, especially for those who are looking for a favorable account package anyway and who decide to switch by the end of March at the latest. It’s also important to know that the bank is trying to insure itself, as customers who open an account with the promotion must make a loyalty statement that if the customer closes their account before the end of the 1-year loyalty period, they will pay a $ 23,000 . This is roughly equivalent to the value of the Lumia 532 as a gift.
Fair offer from Sharewin
The Sharewin Fair account package can also be an attractive offer for customers who are considering switching banks. Fair Category 2 requires at least $ 50,000 inbound credits and $ 50,000 in monthly transaction traffic. For this reason, the bank does not charge a monthly account management fee and gives the credit card free of charge in the first year, and only 3,009 forints on Maestro cards in subsequent years. Therefore, assuming average usage, the total annual cost of this account package is expected to be $ 8,400 in the first year and then $ 11,409 thereafter.
A noteworthy deposit offer at Sharewin is also noteworthy. The New Source Deposit offers an annual interest rate of 4.00% (EBKM: 4.00%) for a 90-day term. Among short-term deposits with a maturity of up to 6 months, this is a very favorable offer compared to the current 1-2% average deposit rates. If you deposit $ 1 million in this deposit, we will accrue $ 7,800 net interest within 3 months after deducting interest tax and EHO.
Ace in our hands
GrandWiz Bank offers several interesting account packages. In this article, we are examining the Ace account package with an assumed average customer income of 160,000 forints, as the slightly more favorable total cost of the Champion account package is a monthly credit of 280,000 forints or a minimum closing balance of 150,000 forints per day. The Ace Account Package is subject to a monthly credit of $ 50,000, which does not have to be income, so it is not just a transfer from the employer that is accepted when the condition is met. At Ász, the account management fee is 0 USD, and the fee for transfers via netbank is only 0.3%, so the expected total annual cost of the account package will be $ 4,908 in the first year and $ 7,298 in the following years. It includes the Granite Now bank card, which is free for the first year and will cost an additional $ 2,390 a year.
Zero account management fee
The most favorable total cost account of Hucarest Bank in this category is the Zero account package. We can fulfill this condition with a monthly credit of $ 50,000, which can be any regular transfer, it does not have to be income. An interesting feature of the account package is that the account management fee is $ 180 less if you purchase a credit card with a total value of at least $ 30,000 per month. Based on the Visa Electronic Bankcard’s annual fee of $ 3,590, the expected annual cost of the account package will be $ 8,048 in the first year, and thereafter $ 10,946.
Credit card is free
At Makemoney Bank, the Praktika and Perspective Service Packages are worth mentioning. If we look at the settings in this survey, we will have an estimated total annual cost of $ 50 for both accounts. The service packages include a Standard PayPass credit card, which you do not have to pay an annual card fee not only in the first year but also in subsequent years. The most interesting thing about Makemoney Bank accounts is that there are no credit terms, but the monthly fee for the service package depends on the amount of the monthly transfer to the account. In this case, assuming a monthly credit of $ 160,000, Praktika will charge you $ 800 per month, while Perspective will pay $ 1,000 per month as a monthly service plan fee.