The English term Internet banking brings together a new way of conceiving the Bank, that is no longer like a real building, made of corridors and long queues at the counters, the personal relationship with the branch manager, but a virtual world where you can manage your account current comfortably seated at your desk or while you are at the office.



WHAT IS INTERNET BANKING
L ' Internet banking is the "virtual bank", our bank that turns into an IT tool capable of erogarci a set of services, banking transactions and operations often cost-zero or a decent savings over traditional channels.

The service gives the possibility to the customer " enabled " and equipped with special passwords, to virtually connect to his online account and prepare the necessary operations. Exceeded the first times when we looked with skepticism towards the use of delicate operations related to our money via the web, today most of the Italian Banks is able to offer a range of specialized services able to meet the needs of any customer.

Thanks to recent technologies, such as fast broadband connection, contracts for increasingly convenient and competitive connections and the possibility of being able to connect from smartphones and tablets, the choice to rely on the Internet banking service is spreading to 'eye.



Internet banking

ADVANTAGES OF INTERNET BANKING
The internet banking service offers numerous advantages, some truly unimaginable until a few years ago. The customer, used to surfing the web, can use the service for one of the following reasons:

it is comfortable

The first aspect that is noted is the convenience of connecting to your current account online at any time of day, without waiting for the opening hours of the branch. The service is in fact reachable 24 hours a day, 7 days a week. Access to internet banking allows the customer to avoid long queues at the counters;

it is accessible everywhere

The customer enabled by his password can connect remotely from any computer and from anywhere in the world;

it's convenient

The costs of operating an online bank account are significantly lower than those of a traditional bank. Online banks, having eliminated bank branches and many expenses related to employees, also have the opportunity to offer customers services at cheaper and more competitive costs. Often the Internet banking service is offered free of charge and does not entail any management costs for the user;

offers higher rates

Banks that work exclusively remotely and which have cut down most of the costs related to employees, rents and management of the premises, are able to offer the client higher interest rates;

offers investment opportunities

Thanks to Internet banking, which offers speed and precision in financial transactions, investors and small savers have the opportunity to earn money through online trading , or the investment on the stock exchange through the web.

offers an assisted service

The internet banking service, although it does not involve any direct relationship with the Bank's personnel, is closely followed. In case of need, in fact, the customer can receive assistance quickly and professionally by connecting to a special toll-free number , or by e-mail or in chat with the Bank's operational service.

DISADVANTAGES OF INTERNET BANKING
The disadvantages of using internet banking are more related to the loss of interpersonal relationships and the doubts and perplexities inherent to our privacy that still persist, such as:



loss of that special relationship that, up until a few years ago, was established between the customer and the branch manager, made up of mutual esteem and trust. This situation can be avoided by choosing a hybrid institute , ie a bank that works with Internet banking but also has branches in the main centers;
Doubts and perplexities on the safety of online transactions. On this point we can say that lately the degree of security on online banking has reached a high degree of security, thanks to the intervention of ' ABI and the introduction of the best control systems;
POSSIBLE OPERATIONS WITH INTERNET BANKING
Thanks to the internet banking service it is possible to carry out any operation that is generally ordered at the branch office, including:

check the current account balance at any time;
transferring money from an account to another of the customer;
prepare national and international bank transfers to any destination;
pay bills online;
mobile phone charging operations;
invest in the stock exchange and keep the performance of its investments under control;
monitor the financial market;
TYPES OF INTERNET BANKING
We can distinguish three different types of service:

Informational : it is the most basic;
Communicative : allows interaction between the Bank and the customer, who can access certain online banking services;
Transactional : allows the execution of online debit / credit transactions;
HOW TO DEFEND YOUR ONLINE PRIVACY
One of the greatest dangers and fears of those who carry out banking transactions via the web is the loss of their identity . One of the most common scams that endanger e-banking is represented by phishing , the English term that expresses the attempt by an attacker to obtain sensitive data in order to violate the online account of others.

Is it possible to defend against the threat of phishing? Of course yes, just put into practice small but effective rules of behavior, such as:

never download programs of dubious origin, because they can hide malicious malware;
not to communicate to anyone their sensitive data , including passwords and data access to Internet banking. This also applies to requests that can be sent by e-mail . Generally, the phishing technique consists in sending an email containing a link to click. The customer, confused by the perfect graphics that reproduces the logo of his Bank, opens the email and provides sensitive data, giving the possibility to the scammers to access the current account online;
Always keep track of your balance and the latest banking transactions carried out via internet banking;
Install and keep up-to-date antivirus , firewell and antispyware programs;
HOW TO REQUEST THE SERVICE
The service is requested directly from your bank. Today there are many Banks that operate exclusively online or combine the activities of the counter to manage the accounts through Internet banking.

HOW TO ACCESS THE SERVICE
All customers of a bank that provides the internet banking service can access it, provided they have some basic requirements:

possession of a PC with relative Internet connection;
possession of a password and authorization from the Bank;
minimum knowledge of the web and surfing the net;

This is a rechargeable credit card, issued by Poste Italiane and also usable by those who do not hold a postal account to pay and shop in complete safety and convenience. With Postepay you can buy both in a traditional store and in many online stores. The practicality and ease of use of this card determine an indispensable tool for daily expenses. Thanks to the privacy protection systems, with Postepay you can take advantage of the convenience and convenience of the card with the security that our data is not violated by malicious people.



REQUIREMENTS FOR THE RELEASE OF POSTEPAY CARD
To become a Postepay holder, you must be an adult. If you are not yet 18 years of age you can request the release of a Postepay Junior, presenting at the counter accompanied by one of the parents who will deal with the request for release.

How to request the card

Even if you do not have a current account with Poste Italiane, you can apply for and become a cardholder of a postepay card. To activate it, simply go to one of the post offices with the necessary documents.



At the time of application for the release of the card will be necessary to present a valid identity document and your tax code. The renovation is just as easy.

Postepay

WHERE YOU CAN USE THE POSTEPAY
The spread of paper is such that it can be used everywhere, both in Italy and abroad. The postepay is accepted in many traditional shops that are part of the Visa circuit and is valid for any purchase on the internet.

How to manage Postepay online

There are many exclusive services available, which can be accessed online. With access to the website the paper management operations will allow the holder to perform one of the following operations:

consult the card balance at any time;
recharge your card and mobile phone
make payments
To access the online services simply register on the Poste Italiane website. Once registered, the user can connect in total autonomy, using their username and password, to access the various services offered to customers.

BENEFITS OFFERED BY POSTEPAY
With Postepay you can quickly make any purchase, either on the internet or in a traditional store, without having money. It is possible to move and travel peacefully, without the thought of bringing money with you.

The economic conditions that regulate the Postepay

The Postepay activation has a cost of 5 euros. The management of the card also provides for limits regarding the amount of minimum recharge and the maximum amount of each individual transaction. Charging operations can be performed from any ATM Postamat or Sisal receivers.

Specifically, the limits and management costs are as follows:



Release of the card: 5 euros;
Minimum amount rechargeable on the card: 5 euros;
Maximum amount that can be credited to the card: up to 3.000 euros per single operation;
Maximum amount of recharge: 50,000 euros, recharged on the total of registered cards registered to the same holder;
Daily withdrawal limit: 250 euros from ATM postamat and bank, up to 3,000 euros from the Post Offices;
Daily payment limit: 3,000 euros;
Charging fees: 1 euro from Post Offices, ATM, Poste Italiane site - 2 euro from Sisal points of sale, points of sale connected to Banca ITB and SNAI sales points;
Free transactions offered by Postepay

The postepay card provides for a series of completely free transactions, such as extinction and reimbursement, card blocking in case of theft or loss, and payments from all authorized Post Offices, bank Pos and mobile phone top-ups.

TYPES OF POSTEPAY
Postepay cards are not all the same. In addition to the standard Postepay paper there are other types of paper, each one satisfying specific needs and characterized by specific operations. Depending on its use, you can choose from one of the following Postepay:

POSTEPAY TWIN
These are two twin postepay cards. The kit is purchased at any post office for € 8. One of the two cards remains in the possession of the holder, while the twin card can be sent to anyone who wishes, while retaining the activation codes. When the twin card is at its destination, a simple phone call will be enough to activate it and start transferring the money to the second card.

POSTEPAY NEWGIFT
This is the first rechargeable card that can be used personally or donated to those you want. The card has a maximum single top-up amount of 250 euros and a daily withdrawal limit of 500 euros.

MYPOSTEPAY
It is the prepaid card that can be personalized with your photography, with the image of our favorite team or our favorite singer. It lends itself well as a gift to remember a special moment or a loved one. The cost for customizing the card is set at 10 euros.

POSTEPAY MONEYGRAM REWARD
Prepaid and rechargeable card that allows you to send money abroad and take advantage of the 5% discount on the MoneyGram sending commissions.

POSTEPAY POSTEMOBILE
Prepaid and rechargeable MasterCard card to make all purchases, in total security and speed.

E-POSTEPAY
The first prepaid and rechargeable digital Postepay for shopping on the net.

THE SECURITY OF POSTEPAY
Holders of a Postepay prepaid card can proceed with complete peace of mind to pay for their purchases on the internet, as well as all other transactions. Personal data and those of Postepay are protected and protected from any danger thanks to constant attention and use of the best security systems that prevent data breaches.

The credit card is presented as a plastic card and is one of the tools used to carry out payment and withdrawal transactions using electronic money. The cards are issued by various companies present on the national and international circuit.



CREDIT CARD SECURITY: WHAT TO DO
To increase credit card security, it is also accompanied by an identifying and naming number of the holder that allows identification. The same can be associated with a bank account or can be issued regardless of the possession of a current account.

Through this tool the holder can make all the necessary payments without the direct outlay of cash. Depending on the type of customer and the frequency of use, you can choose the most appropriate credit card for your needs.

Credit card security



CREDIT CARD TYPES
There are credit cards designed for individuals, in this case take the name of personal credit card and letterheads to legal entities, corporate credit cards. The latter are also associated with a user, but the charge is associated with the current account of the company for which the person works.

In general, the choice of credit card type is taken according to the specific needs of the holder. The most important data to take into consideration is the amount of the monthly expense that is moved with the credit card.

The choice of credit card will also follow a careful analysis of other key points, such as the annual fee and opening costs, which vary from one bank to another. Other data to keep in mind in the costs of handling the card is stamp duty and any commissions on purchases or withdrawals.

Once this analysis has been carried out, it will be possible to decide for the most suitable paper for specific needs. In particular, the types of credit card are as follows:

Credit card . It is usually activated and connected to a current account, it is suitable for those with a fair frequency of use. The charge for the expenses carried out is counted the following month:
Prepaid card . It is recharged according to the needs of expenditure and is more suitable for young customers accustomed to purchases on the internet. The management costs are usually lower, but the costs for top-up must be assessed;
PERFORMABLE OPERATIONS AND CREDIT CARD SECURITY
With the credit card you can make payments in electronic money in all shops and stores that join the circuit. Generally, the logos of the circuits accepted for payment, are displayed well in sight at the entrance or near the cash register.

The payment transaction with the credit card is subject to a monthly spending limit, established with your bank. The monthly spending limit, also called the credit limit, is established by the credit institute on the basis of the credit card's credit rating.

CREDIT CARD SECURITY
Unfortunately, the danger of falling victim to credit card fraud is far from remote. One of the greatest dangers, after theft or loss, is that of cloning. But with some strategy it is possible to protect yourself as much as possible.



A good habit is to check the card statement often and, at the slightest anomaly, proceed with the suspension of the card. Today the Banks provide some additional services for the protection of the card, such as the Alert through SMS, which warns of every movement that is made with the card itself.

Unless you have a particular need, it is another good habit to maintain a minimum card limit. In this way, in the event of cloning, the damage will be limited to the monthly limit. In this regard, there are rechargeable credit cards, generally used for internet purchases. In addition to being very practical, they are also quite safe compared to traditional ones because they are recharged when necessary, and never contain large sums of money. In case of cloning the damage is reduced to a minimum.

In case of loss or theft, you must immediately contact the Bank to block the credit card. Each bank provides a toll-free number for its customers specifically for this event. However, the card blocking operation is not sufficient, who has suffered the theft or lost the card must report to the carabinieri or other competent body.

This operation allows the formation of a special black-list, that is the list of all credit cards blocked as a result of anomalies, which is sent periodically to the stores of the circuit.

To cope with the problem of cloning, the smart card was born, it is a credit card that has a microchip in addition to the magnetic strip. The use of the card is the same as for traditional cards. The presence of the microchip, however, makes paper even safer and cloning more difficult.

CREDIT CARD SECURITY RULES FOR CARDHOLDERS
With the respect of simple behavioral rules, it is also possible to reduce the danger of encountering something unexpected:

Keep the pin code secret. The same should not be brought with him, but remembered by heart. If we really can not memorize it, we can write the number in a small phone book to be kept separate from the purse or wallet that also contains the credit card;
Always have the toll-free number to call immediately in case of theft or loss. The more secure the card blocking operation will be and the more secure we will be from any unwanted withdrawals;
Sign the credit card. On the back there is the signature of the cardholder, with whom any falsification will be more difficult;
Before signing the receipt, it is a good idea to check the amount of the transaction so as not to incur errors;
Keep the receipts and check the monthly statement;
Cancel your credit card

To proceed with the cancellation of the credit card must comply with all the clauses provided and signed with the signing of the contract. In this case the rules may vary from Institute to Institute, but you must still proceed carefully and comply with some procedures:

Act in advance. The request for withdrawal must be presented at least two months in advance of the date on which we would like the service to cease definitively;
Always send the documentation by registered letter with acknowledgment of receipt;
Go to the counter and make the card invalid. This operation consists of cutting the paper into two parts so that it becomes unusable and is usually done by the desk clerk;

The Bank is a private company that provides financial services to its customers, through means of payment, financial intermediation and investments. The Bank's main gain derives from gains on services made available to customers, such as the interest rates charged on loans granted.



ONLINE BANK
Starting from the mid-70s, in order to facilitate the dispositive operations and dispose of the queues at the counters, special ATMs have been created, the ATM . These last years have seen a huge diffusion and, starting from simple operations, today they are able to allow numerous operations and reduce the costs of commissions. Another big step forward for the improvement of the service and the search for savings was the invention of the online bank.

This is essentially the result of the introduction of information technology and the telematic channel to eliminate staff costs and maintain branches. Today, thanks to the internet, there are more and more Banks operating exclusively online.

Online bank



Choosing an online bank offers the possibility of managing your online bank account in total freedom and without leaving home. The introduction of this new vision of banking management has also given significant results to the Banks, which have witnessed a considerable increase in their clients.

From traditional to online banking

The Bank today offers the possibility of carrying out various types of banking transactions and is distinguished by the method by which such transactions are carried out in:

Traditional bank , is the classic bank with branches throughout the country and operates exclusively through branch;
Hybrid band , in recent years there have been many Banks that have chosen to combine the traditional banking service with a value added service for their customers, Internet banking that offers the possibility of carrying out many operations by connecting to the Internet;
Banca online , it is a completely virtual bank that operates exclusively online. These Banks, thanks to the reduction of personnel costs, the maintenance of offices and branches, are able to offer very competitive services and higher interest rates;
ADVANTAGES OF AN ONLINE BANK ACCOUNT
Opening an account with an online bank has significant advantages, especially from an economic point of view . Thanks to the management of the operations through the electronic channel, the Bank has obtained the total reduction of the management costs of the offices and branches, as well as of part of the employees. In this way, it is possible for their account holders to take advantage of significantly higher interest rates compared to the average rates on the traditional banking market.

Managing the online current account, through the web channel, brings significant benefits to both the Bank and the customer. The latter has the possibility to access his account at any time of the day and from any place he / she is located, while the Bank, avoiding the costs of branch operators, is able to propose economic conditions significantly higher than a traditional bank.

HOW TO CHOOSE THE ONLINE BANK
Thanks to the Internet and to the numerous offers on the web, the customer is able to quickly find all the information necessary to choose the online bank to which to rely. By visiting the individual websites, each Bank provides all the operations to access the opening of an online bank account, close a current account, etc.



Before choosing an online bank, some points should be carefully assessed, the services offered by the various banks compared, and finally a ranking against the following requirements:

Accessibility to their savings. The degree of accessibility of one's own savings must be carefully assessed and, in case of need, the time and the operations necessary to withdraw them;
Annual interest . An online bank is able to offer significantly higher interest rates than traditional banks;
Possibility to create a network of online current accounts . Some Banks give the possibility, with maximum flexibility of action and minimum expense, to make transfers and transfers between different online current accounts in the name of the customer;
Granted operations . Banks that offer the possibility of additional transactions, such as purchases on the internet, payment of bills or the request for a loan, are preferred;
Support in case of need. The degree of availability of the online bank in case of need must be assessed very carefully and how long the information necessary to solve the problem can be found;
Security . Carefully evaluate the degree of security put in place by the Bank to counter any customer fraud;
Carefully assessed the various aspects and the specific offer of each online bank, it is possible to make an informed choice also, and above all, according to personal needs and priorities.

HOW TO ACCESS THE ONLINE BANK
This is a fairly simple operation, which can be completed by simple steps with the home computer. Once you have chosen the online bank that is right for us, just connect to the Bank's website and proceed with the registration phase.

During registration , almost all online banks require the inclusion of personal data, number of holders of the current account and consent to the processing of data, as well as the adherence to the contractual rules of the Bank. Once you have read the contract carefully , you can sign it and send the data.

Usually, within a few hours, you will receive your personal username and password from the Bank to access internet banking . Within a few days, you receive the instructions necessary for completing the operation by post, a PIN and a copy of the signed contract.

In order to comply with the anti-money laundering law , the Bank must provide for a final phase, namely that of recognition. This operation usually consists in making a simple transfer from a current account in the name of the user to the new online bank account.

SECURITY OF AN ONLINE BANK ACCOUNT
Customers who work with an online bank can safely perform all online transactions, certain that the Bank itself carefully monitors the privacy and security of movements. It can be said that the Bank is interested as the customer in identifying increasingly effective technologies to improve online banking connections and operations.

In this case, the level of security offered by the Bank is a fundamental requirement and an important index to evaluate the value of the Bank itself. Today there are more and more Institutes that use the most technological cryptographic systems , able to protect sensitive data from possible frauds.

In recent years, more and more people are talking about PayPal and more and more people use this method of payment for their purchases and sales, both for security and practical reasons; but what is PayPal and how does it work?



How paypal works
WHAT IS PAYPAL AND HOW IT WORKS
PayPal is a company, controlled by eBay, which offers digital payment services and money transfer via the Internet. The strength of the system, and what differentiates it from others, lies in allowing transactions to be carried out without any sharing of credit card data with the recipient of the payment.

HOW DOES IT WORK
The first step in order to use the PayPal system is to register on the company's website; Registration is free and allows you to open an account with which you can make payments using only your e-mail address and password.
You can associate a credit card, a prepaid card with your account, or top up your bank account with a bank transfer (no charge).
Another advantage of the PayPal account is that you can also transfer money to your account or card; moreover, PayPal makes available to its customers that request a credit card (VISA) and a prepaid card (MASTERCARD).

HOW TO REGISTER
Once you have logged in to www.paypal.com, click on Signup Now and then select the type of account you wish to open; the choice will be between:
Personal Account, perfect if you want to use PayPal for online shopping or for small transfers of money;
Business Account, indicated for individuals or companies that need to receive payments on their sites or online stores.
Once this is done, you will be asked for your personal data, e-mail address and password.
You can choose the Premier account, which allows you to accept credit cards from users who wish to deposit money into your PayPal account; rates will be applied for the receipt of payments ranging from 1.8% to 3.4% of total sales, plus € 0.35 for each transaction.
After filling in these fields, click on Sign up.
Now you can decide whether to insert a credit or debit card; the card is mandatory if you wish to receive or send amounts over 750 euros.
After filling out the optional procedure you will need to check your e-mail inbox and click on the confirmation link and then enter your username and password in your PayPal account.





THE SECURITY
One of the distinctive features of PayPal services is the security program that the company offers; it is a protection for buyers and sellers that covers the entire purchase amount in case of non-delivery or delivery of an object other than the one described.
PayPal guarantees sellers effective protection against losses caused by claims for fraudulent payments or items not received.

THE COMFORTS
PayPal is supported by a wide range of online shops and Internet sites, first of all eBay which, as we said, has acquired ownership of the service and since 2002 PayPal is the default payment method for eBay auctions.
On all these sites you can pay with PayPal by simply clicking the service logo and entering the password for your account.
To send money you need to connect to the PayPal home page and select the text "Send money" and then enter the recipient's e-mail address. In the event of lack of liquidity in the PayPal account, the service will automatically pick up the money on the credit card associated with your account.
To receive payments to your PayPal account, simply communicate the e-mail address associated with your account.
Of course, you can also transfer money from your PayPal account to your bank account or to your card associated with your account by selecting "Transfer money to your bank account" instead of "Transfer money to your card" in the "Withdraw" menu.
If you wish to deposit money from your bank account to your PayPal account, you will need to select "Reload account" and make a bank transfer following the instructions provided by the service.
There is also an application developed specifically for PayPal that allows you to make transactions from mobile phones; it's called Send Money and is available for both iPhone and Windows Phone.

The deposit account is one of the tools that the bank makes available to its customers to put aside money, for the future or for different needs. Here is how to choose the right deposit account for your needs, with some advice on how to open it and how to manage it over time.



How to choose a deposit account
HOW TO CHOOSE A DEPOSIT ACCOUNT
A deposit account is a banking product very similar to the current account, but that unlike this only allows payments and withdrawals and does not allow instead of carrying out normal banking transactions, such as bank transfers, checks and payments. The request for the debit and credit card is also excluded from the deposit account.

Even if the deposit account differs greatly from the counter-current, it must necessarily be combined with the account in order to make deposits and withdrawals. The deposit account, unlike the current account, also offers higher interest rates, which is why it is considered a high yield and low risk account.

The deposit account is used for savings purposes and represents a rather convenient form of investment, which offers a certain possibility of gain over time.



You can choose between two types of deposit accounts: the free deposit account and the restricted deposit account. The free deposit account allows you to free the money from any time constraint, so you have immediate availability of money.

Instead, the restricted deposit account allows you to withdraw your money at the expiration of a predefined period, which can vary up to 36 months. This type has higher yields and is aimed only at those who have the ability to block their money for a certain period of time.



The longer the time, the greater the interest, while if the customer needs to take advantage of the money before the end of the bond, the bank requires the payment of a penalty.

Depending on the preferences and needs of each customer, you can open a deposit account at the branch of your bank, or proceed with an online deposit account. The latter can be stipulated and managed directly online through home banking.

The online deposit account is particularly convenient for those who often surf the Internet, and therefore has a certain familiarity with network operations, and those who need a lot of flexibility regarding the bank's schedules and the ability to perform operations.

In any case, it is necessary to choose the solution that suits you and to do it the only solution is to consider various proposals from multiple banks.

If instead you prefer to be able to interface with the counter operator for any need, the online deposit account is not for you; better open a traditional account taken the branch. This way you can get in touch with the bank whenever you need to solve any doubts.

In addition to this difference, before deciding which deposit account is right for you, you will need to evaluate the difference in options based on the interest rate paid, plus the costs for the various transactions. You can make an appointment directly with the lender and ask to speak with a consultant who will show you the best solutions for you.

Alternatively, especially if you intend to open an online account, you can consult the internet and you will be amazed to find out how many sites that are willing to help you in your choice exist. Just make a simple questionnaire online, which aims to gather the information needed to make a proposal, and the search engine will direct you to the solutions that could be for you.

To deposit the money, to be credited with the salary, the pension, or to proceed with the sending of wire transfers or receive them, the current account serves anyone. But not all are the same; in fact, the banks offer many options and it is important to choose the one that best meets your needs, based on the usual operations that you will perform and the potential benefits.



How to choose current account
HOW TO CHOOSE THE CURRENT ACCOUNT
When it comes to having to choose the current account, in an increasingly evolved and dominated by the Internet, the first obstacle to overcome is between choosing a traditional current account or an online account, an option that is always taking more foot because of the often very advantageous conditions it offers.

The online current account has more advantages of an economic nature, has less taxes, annual fees, often equal to zero, and is more suitable for younger customers, who are not afraid of managing all their operations on the Internet without assistance of a branch employee. The online account, in fact, relies on a virtual bank and everything from operations to assistance, when necessary, is managed via the Internet.

The traditional account, on the other hand, offers the customer the possibility of always interfacing with the bank in case of problems. Also in this case, many of the operations can be carried out online, thus avoiding files at the counters, but there is always the possibility to physically go to the branch, if you prefer or if you need to consult a consultant.



Once this first question has been resolved, all you have to do is compare the various offers that the bank puts on the market. According to your needs, several banks propose opening current accounts at favorable prices, especially for students, young people under 35 and retired people.



Current accounts designed exclusively for families and current accounts for companies also exist. The best thing to juggle in this finite range of options is to search the internet or, if you prefer, make an appointment at the potential branch where you would like to receive information about it.

If you start your search online, it is very useful to visit the sites where, through a quick survey, according to your needs, you can be directly directed to the banks that could be for you.

If instead you are looking for very advantageous offers and you need to open a bank account for work reasons, those that could be for you are the solutions to zero expenses. This is a particular type of account which, relying on those who trade, offers particularly advantageous conditions for withdrawals, payments and deposits of money.

To get an accurate idea, before starting your research, in any case the parameters to consider are these:

What are the requirements for opening a current account
Which financing operations will be more frequent in a month
Types of debits on the current account: electricity, gas and telephone bills
Possibility of accessing a credit facility in the case of an account discovered

It is very important to evaluate whether or not you need a credit card. In fact, unlike the debit card, the conditions for requesting a credit card meander through a more complex bureaucratic procedure and each bank provides different methods of concessions, to be assessed in this case according to your needs.

In the same way, the account can be combined with the possibility of obtaining a prepaid card, very useful for online purchases or as a deposit tool for money, at particularly advantageous conditions. Also in this case, each bank adopts its own policy towards customers at more or less advantageous conditions depending on the case.

Getting the mortgage from the bank may seem like an endless endless bureaucratic procedure and, in fact, the path to take can be long challenging, but following the practices, step by step, you can do everything calmly and in the best way. Here then how to do, from the choice of the bank to the presentation of the necessary documents.



How to make a mortgage
HOW TO MAKE A MORTGAGE
Anyone who wants to buy a property asking for a mortgage knows that it is essential to contact a bank to obtain the necessary financing. You need to choose the credit institution willing to make available to you the amount you need and willing to grant you the mortgage to buy the house or property.

First of all, it is necessary to carry out a sales compromise, which is essential for stipulating the public deed of sale; you must therefore look for a bank that meets the needs you have. At this stage it is necessary to use the advice of your bank of trust, so that you can remove any doubt about it.

Once you have chosen the bank, you will need to complete the application for funding. The document contains this important information:
Personal data
Residence
Current housing
Family unit
Occupation
Working sector
Type of worker (self-employed / independent)
Persons dependent
Income
Description and value of construction
Declaration of possible debts



At this point the bank will evaluate the grant or not of the loan. This will depend on the income of the applicant, the value of the property and the presence of any guarantees provided by third parties.

Guarantees from third parties are generally indispensable if there is no fixed and long-term salary contract, which is the worst condition for the bank. Not all banks are the same, however, and for this it is always good to compare the types of offers.



If the bank's opinion is positive, it is possible to move on to the next phase, which consists in determining the possible installment, calculated on the basis of income. Generally the mortgage payment does not exceed 35% of the applicant's monthly net income.

There are then different types of mortgage, based on the interest rate that the bank intends to apply. Interest rates can be fixed or variable, but there are also other types, such as the mixed rate and the balanced rate.

Also the installments can differentiate according to the type. For example, there is the constant-term option with variable duration and constant payment, with flexible repayment.

The next step is to provide the bank with all the documentation necessary to formalize the request for funding. After the bank has acquired all the documents, it can decide the financing. The maximum amount that the bank can grant is equal to 80% of the market value of the property, even if some banks are willing to grant up to 100%, at much higher rates.

The final phase of the practice is the mortgage contract, which is stipulated before a notary, in the presence of a bank representative and the applicant for funding. The notary prepares a public deed with which the applicant undertakes to return the established amount to the bank.

Together with the mortgage a mortgage is processed in favor of the bank, a sort of guarantee that protects the bank in the event of non-payment. The mortgage expires automatically, usually after 20 years, and in case the mortgage lasts for a longer period it will be necessary to renew it.

The mortgage, in addition to the money disbursed, also covers the interests, according to the agreements made with the bank, the default interest for late payment, or non-payment, court costs, should the bank assume the recovery of the amount due , and finally the notary fees, expenses and all taxes.

n the period of crisis that we are going through, every person has a particular attention to the liquidity that with so much sacrifice and daily commitment succeeds in accumulating as a saving in the future perspective. And there are many schools of thought on how to keep their savings, from those who invest them in securities to those who prefer the brick.



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Deposit accounts

Then, there are those who prefer to rely on deposit accounts , which allow them to set aside sums of money for longer or shorter periods so that they can accrue interest , even if the uncertainty of many banks can inhibit savers from entrust their savings to them.



In this context, therefore, it is increasingly important to understand which variables to take into consideration and how to choose carefully the deposit account to be relied on. In addition to the interest rate that the bank corresponds, in fact, it is good to also take into account the solidity index of the institution that provides the service , and cross the data in order to identify a deposit account that is able to offer both a good performance, both a high level of security guaranteed by the solidity of the bank that manages it.

Efficiency and solidity: rendimax solutions

The deposit accounts that best interpret these needs include rendimax, the deposit account of Banca IFIS . The credit institution, in fact, is one of the most solid on the Italian scene , to the point that it can boast a CET1 (Common Equity Tier 1) equal to 14.68% . The index expresses the ratio between ordinary paid-in capital and risk-weighted assets: the higher this index is, the more solid the bank is . If we consider that the minimum value established by the ECB for this index is 7%, it is even more evident that Banca IFIS can be considered a secure credit institution .



rendimax is a free, secure, profitable and guaranteed online deposit account, available to private savers , businesses and bankruptcy trustees . A financial solution that can be used by more than one type of saver, therefore, and designed precisely for those who want to get a high return from their savings without putting at risk the sacrifices of a lifetime.

Why choose rendimax

The solutions provided by rendimax are different, both in the free version and in the restricted version, which offer a nominal annual gross rate of 2.15% for the three-year restricted account , of 2.3% for the four-year account and 2.60% to five .

The high rate and soundness of Banca IFIS must also be added to the fact that the capital deposited by savers in rendimax can not be used in derivative financial instruments , avoiding possible dangers and exposures to risky investments.

rendimax can be conveniently opened and managed online , through the dedicated website, but also via a convenient app for smartphones and tablets.

It should also be considered that, in addition to other advantages, rendimax is an account that does not require opening and management fees , with stamp duty paid by the bank for the whole of 2016 and a dedicated customer service accessible through multiple channels, from the telephone to social network.

Banca IFIS, then, adheres to the Interbank Deposit Protection Fund which guarantees deposit protection up to a maximum of 100 thousand euros.

Everyone has heard about it at least once, but what are the bills? And how to use to pay? So here's all you need to know about it, how to compile one and how many types of bills exist in circulation.



How to pay with bills of exchange
HOW TO PAY WITH BILLS OF EXCHANGE
The bill is, in effect, an enforceable title that allows the holder to appropriate the assets of a defaulting debtor. To be valid, the bill must be filled in all its parts and must clearly indicate the date of payment.

A bill is used when there is a need to postpone the payment of a sum of money and for this reason the persons involved are two; the signer of the bill of exchange, the person who undertakes to delay but to return a sum of money, and the creditor.

The bill must be presented by the creditor on the first possible day or on the two immediately following working days indicated on the bill of exchange



There are two types of bills; the first is the bill of exchange, with which the holder exercises the right to demand payment of the sum indicated by contacting the debtor within one year from the date of issue indicated on the bill of exchange.

The second is the bill of exchange between two people, the tractor and the tract, which is imposed to pay a certain sum to the bearer of the thiol.

Almost always the bill is domiciled at the bank, which acts as an intermediary, and this means that the security must be presented at the counter indicated by the debtor, usually the branch of reference of the current account.

The bank can also anticipate the amount indicated on the bill, paying it immediately, thus avoiding the customer having to wait for the deadline. In doing so, the customer commits himself to the bank to repay a loan and a short term which, like all banking transactions, is subject to interest and commissions.



It is always the responsibility of the bank, if the institution agrees to discount the bill, to appear by the debtor for the collection of the sum written on the security.

The debtor exercises the right to issue the bill with a receipt once the payment has been paid. The receipt is usually written at the back of the bill. But what happens if the payment is not made within the pre-established terms?

The creditor has the right to contact the public official within two days following the non payment. The public official will take care to draw up the act of removal from the protest, which serves to inform the debtor what consequences will meet in the next 10 days if he does not pay the due payment.

The creditor also has the right to demand the recovery of the creditor's assets until the debt expires, if the payment has not yet been paid, and this is one of the main reasons why payment with bills of exchange is considered risky.

If you have signed one or more bills to obtain a loan, it is good to know that the law establishes strict and immediate rules in cases of non-compliance, even for one installment. But let's take a few examples.

If a bill is not paid, the creditor can apply within 48 hours to a public official, who can be a notary or a municipal secretary, if the notary is not available in the municipality of reference.

This proceeds to the extension, which is nothing but a notice sent by the creditor to the debtor who informs the legal consequences to which he will meet if he does not pay the payment within the next 10 days.

The law also establishes that the debtor must bear the payment of interest, which will accrue from the due date, in addition to legal fees necessary for the practice, which generally correspond to 10% of the amount of the bill.

After ten days have elapsed, if the debt has not yet been paid, the creditor can turn to a judge, who will act directly on the assets of the defaulting person. The debtor's assets are generally regulated by the auctioning of real estate and other properties, settled directly by the judge.a

Perhaps not everyone knows that deposit accounts are not only aimed at individuals, but can also be opened by companies wishing to put aside their savings to make them profit at a favorable rate, in order to accumulate interest.

rendimax quadr

Among the solutions that companies can choose there is also rendimax, the deposit account of Banca IFIS that allows you to choose between various solutions, from free to restricted, with interest rates ranging from 0.75% for the amounts not ties and can reach up to 2.60% for the 5-year bond, passing 2.15% of the three-year restricted account and 2.3% to four years.

HOW DO I OPEN RENDIMAX FOR COMPANIES?
To be able to request the opening of a rendimax account for companies, are all companies with registered office in Italy, and can do it in two different ways: by filling in the online form and then printing the relevant documentation, or by calling the toll-free number 800522122. In both cases the company's data will be requested, then VAT number, Fiscal Code and registration number to the Chamber of Commerce; personal data of the legal representative or attorney, then name, surname, tax code, identity document; the IBAN code of your company's bank account, then the default account. After sending the documentation, a salesman will go to the company for recognition and to have the contract signed.
Once opened, the deposit account for businesses works exactly like that intended for individuals, so it can be managed comfortably online, eliminating costs for annual fees and commissions on operations. rendimax, in fact, is an account that does not require fees for opening and management, with tax paid by the bank for 2016 and with a dedicated customer service accessible through multiple channels, from the phone to social networks.

THE SOLIDITY AT THE SERVICE OF COMPANIES
One of the reasons why a company should choose rendimax is that Banca IFIS is considered to be one of the safest credit institutions on the national scene. This is confirmed by the fact that its CET 1 (Common Equity Tier 1) ratio, ie the ratio between ordinary paid-in capital and risk-weighted assets, is 14.7%, when the minimum threshold set by the ECB is 7%.

In fact, even businesses, like private individuals, have the possibility to choose a secure and solid deposit account that does not put the hardly set aside money day after day at risk.

To learn more about the various options available, to save your savings click on the website  www.rendimax.it/aziende  and find the best solution for you and your company. Do not give up an intelligent and convenient deposit account, which will make your little nest egg a big capital.

When you have to decide what type of checking account you open, you may find yourself in great difficulty. In fact, to date there are many alternatives, compared to the types of current accounts, which can be turned on but it is also true that the current accounts are very different from each other.



How to choose an online bank account

How to choose the right one? There are some small tips you can follow to choose the current account tailored for you. In this article, we will try to explain how to do it.

TAKE A LOOK AT THE CURRENT ACCOUNTS IN THE PROMOTION
It is very important to contact the experts in the field, or a portal that can give you the right advice, such as Qualeconto.net , otherwise nothing will be left to waste time looking for individual online banking promotion sites. Many banks guarantee vouchers for the opening of their account, which is therefore possible, to turn on free with zero expenses and with interests that came out from 1 to 2%. These are the offers, which really should not be renounced.





THE POSSIBILITY OF OBTAINING DISCOUNTS
Promotions are the things that can incentivize the opening in a current account and that is why usually, to understand what is the right promotion, you have to choose the one that has an interest rate however limited compared to those of the currents. Furthermore, we must also pay attention to the presence of a possible fee, which however is not too high.

When you then ask for a checking account, which is in promotion, also try to know and ask immediately what the cost will be after the promotion, otherwise you will risk finding yourself with extra charges in the future.

OFFERS DEDICATED TO PARTNERS
Some online banks choose to refer to particular partners to try to grab a greater number of customers and then they will give you discounts, for example on another set of services guaranteed by one of their partners. It is a type of offer to consider when you want to start this type of journey and it is therefore important to keep in mind when choosing to open a new bank account.

CHOOSE THE RIGHT PROMOTION FOR YOU
The important thing is to always try to keep in mind what are the times of these promotions, or offers that you choose to accept to open a new current account and then you must also understand what are the gifts, any future costs, which should be covered with the current account that you have decided to switch on. Only by paying close attention and, above all, by asking many questions, will it be possible to choose the right bank for your current account.

The world of banks is often a taboo place for young people: many of them manage their savings through family members and are not interested in money management through a bank account. However, giving a young person the responsibility of managing a current account is a way to make it more responsible and to make him acquire the knowledge with an instrument with which in the future he will often have to deal with.



How to choose the current account for young people
The media often talk about offers dedicated to the world of young people: banks are in fact committed to creating tools that adapt to the needs of those facing for the first time in the banking world.
It is possible to summarize the best offers on the market thanks to the many information that can be easily found on the Affarimiei.biz specialized blog  .

For a young person, having a bank account can be useful both in the situation in which he receives an income, or if he is still supported by his family. This is the case, for example, of university students who carry out their commitments far from their family members. They are boys who, even if they do not receive income of any kind, find themselves having to face expenses of various kinds. A current account is therefore the ideal tool to receive money from your family and to use this money to pay for rent, meals and all expenses related to the University world. For these reasons, the current account of a university student must provide only a few  minimum services  useful for ensuring that sufficient economic autonomy for the child.



Unmissable in an account dedicated to young people is the presence of a  home banking  managed by smartphones, in order to conveniently pay bills, utilities and manage small payments.
But not only that, young people are also that category of people that more than any other buy directly on the internet, and do it at any time of day. Having the autonomy to carry out these operations is therefore a way to give a young person the opportunity to safely make purchases for clothing and textbooks.
Unlike a young person, you do not need a checking account that provides checks and credit cards.
On the other hand, it may prove extremely useful to put the boy in a position to use a payment card, to which he may associate spending limits such as to make it as unsafe as possible a possible loss or abuse by the boy himself.



Since there is not much money on a young person's account it is necessary that its costs are low: many commercials even speak of  zero-cost accounts dedicated to young people .
Before accepting a proposal to open a current account, it is advisable to ensure that variable costs, that is linked to individual transactions, also fall within the ordinary management costs of the account. If the bank charges commissions on such transactions, the risk is that the account is not effectively at zero expense but, substantially, costs more or less like a traditional current account.
To choose an account dedicated to young people you can use different methods: go to the nearest bank branches, or search the web, where you can find many offers.
Once you have identified the best and most suitable account for your needs, you need to send a series of documents to the bank: first of all personal documents, identity card and social security number; then the signing contract properly signed and accompanied by the forms related to information and privacy.
Once all the documents have been provided, the bank will take a short time before actually making the current account active and usable.

Like all consumers of electricity and gas whenever the bills of gas and electricity suppliers arrive at home, we always find ourselves having to pay a sum, or for one reason or another, equal or greater than what we had paid for. previous month. All efforts to reduce the amount to be paid always seem to be empty, whatever you do. Of course the possibilities to reduce payments are there, but to be able to use there is in many cases to invest discrete amounts of money.



ubroker
In comparing the various strategies that can be applied to save on the cost of electricity and gas, the one that has proved to be most effective and which has the potential to even zero the amount to be paid to suppliers has proved to be the use of ScelgoZero, a program created by uBroker, a company based in Turin, which easily and in a short time allows considerable savings on the amount of the sum to be paid.

The basic concept on which the idea of uBroker 's ScelgoZero program was born is: the greater the purchasing potential, the greater the bargaining power and therefore the discount that comes from the producer of the good or service that wants to acquire. This rule, after the liberalization of the light and gas market, is worth more than ever.

With this initiative you become part of a purchasing group that, having more negotiating power, is able to receive from the various energy suppliers a price that otherwise is impossible to have. Once the application has been downloaded to manage all the aspects of ScelgoZero and the registration process is made, the more people who are able to get involved and get involved in the project, the higher the discount on the amount to pay for the supply of energy light and gas that is obtained. Many come to receive a discount of 100% and then to zero the amount of the sum due forever and saw the operation of this application, very intuitive, in a simple way.





The positive aspects of this initiative are not limited to the economic savings on gas and electricity bills, but you are able to do with the smartphone all those operations, how to pay the amount of the bill or communicate the meter reading, avoiding talking with an operator and all operations can be done freely and in total independence.
The operation and convenience of this project, as you can see on the website of this company, is all in its simplicity and in the chosen way to continue to grow and to allow those who are part of this program to save the maximum on its costs for energy.

Among the various strategies to increase the presence on a market that adopt the competitors, how to waste the economic resources in advertising campaigns or marketing that do not bring benefit to the end user, ScelgoZero of uBroker has decided to invest its resources on the power of word of mouth and to provide, to those who join the program, concrete savings, month after month. The growth of its members increases the bargaining potential and creates a virtuous circle, where both the supplier and the final user are the winners.

Once you have access to the webapp the procedure is very simple: just register and start saving. The savings already occur from the first bill: based on the increase of new users who are associated, you receive a monthly discount. Then enough, with word of mouth, increase the number of people who sign up for the service thanks to us. The more people enter the world of uBroker ScelgoZero, the more they increase the savings that accumulate and the amount that is reduced on the bills you receive.

Through the application you can pay the bill, check and consult consumption, communicate the meter reading thus avoiding all the waste of time and paper material that traditional managers force us to do.

This new way to save on utilities seems to have been much appreciated by users judging by the growth that has had since its creation, and proves to be the best among the tariff choices offered by "traditional" suppliers of light and gas energy.

Of course, to receive substantial discounts, even if you start to receive a modest discount immediately from registration, you need to have a little patience and above all use your own network of knowledge, but the effort is definitely worth the result: zero the bills forever.

Prepaid cards are a valid alternative to credit and debit cards, however they allow you to spend only the amount deposited on the payment instrument. In fact they are not connected to the current account and do not allow the opening of credit.



What are prepaid cards for?

At the same time they can be recharged within the limits set by the contractual conditions set by each individual operator. These solutions are much appreciated because they can also be requested by underage and protested users or who have had difficulty in repaying the installments of a loan or mortgage.

This is possible because there are no income controls and tax controls before accepting the issue application, unlike what happens with credit cards and current accounts. At the same time, these payment instruments are characterized by offering high levels of security and anonymity of transactions both for online and offline purchases.



BECAUSE PREPAID CARDS ARE SAFE
Very often users consider prepaid cards less secure than credit cards, however this is not true. This is also due to the fact that these payment instruments are mainly used for online purchases.

In reality, prepaid cards guarantee very high levels of security and are protected against cloning. Moreover it becomes possible to request the activation of some services that are used to maximize the security of the prepaid card. This category includes warning and notification modes such as SMS Alert and SecureCode.

These are services that send a notification to the user each time the prepaid card is used for an operation. This way you can counter fraud or scams and the payment instrument holder is always aware of when someone is using it.

Secondly, contactless prepaid cards also require the entry of an identification code when purchases made in physical points of sale thanks to POSs exceed a total amount of 25 euros. As a result, even in the event of theft or loss, you can protect your deposit.

Finally, it is good to keep in mind that prepaid cards guarantee a high degree of security, but it is necessary to adopt some precautions in its use to avoid rendering integrated protection measures ineffective.

This applies especially to online purchases. For example, you need to make sure that e-commerce sites are reliable and use secure communication protocols. Just check that the word https is present in the URL of the web page.

PREPAID CARDS: IBAN SOLUTIONS WITH NO CURRENT ACCOUNT
The original version of the prepaid cards consists of single-use, anonymous payment instruments (because they do not have the name of the cardholder on the front or back) and which can not be reloaded once the credit has been used up. As a result you can only spend the pre-set amount.



However, most of the models on the market are rechargeable. This solution is very useful in case of continued use. Please also note that there are some versions of prepaid cards with IBAN with no current account that can also be used to arrange and receive wire transfers in total security.

They guarantee most of the services and features of a current account, but there is no need to subscribe to this banking product and undergo the relevant income controls. As a result, users who do not hold a bank account can also purchase this payment instrument.

Prepaid cards with IBAN without current account are characterized by higher levels of security as they allow for absolutely secure money transfers to current accounts and other prepaid cards in Italy, the European Union or the Extra Euro Area. This also applies to credit transfers that are credited.

To receive the money it is sufficient to communicate to the person who has to send it the IBAN combined free of charge to the prepaid card. The code can be found in your own Reserved Area, by turning on your account with your credentials. It should also be remembered that this method also allows the crediting of salary or pension, the domiciliation of domestic utilities (gas, pay TV, water, electricity and telephone bills) and the payment of telephone top-ups.

In Italy there are more than one hundred different cards with IBAN issued (here you can find the complete list ): the most popular solution in Italy is represented by Poste Italian Postepay prepaid card and the now famous Hype card (Start and Plus) , available in different versions so as to meet the various needs of users. At the same time there are also cards made available by some Italian credit institutions.

USE AND DIFFUSION ABROAD AND IN ITALY
Each prepaid card has its own serial number: for this reason, it allows safe and anonymous purchases, both in physical stores and online, in Italy or abroad. In any case, the current account number is never provided. The security of transactions is guaranteed even when withdrawals are made at ATM or Postamat ATMs depending on which circuit you are joining. In fact, the prepaid card can be supported by the Visa or MasterCard system.

This also applies to Postepay cards issued by Poste Italiane. In this way payment instruments can guarantee all the security deriving from being part of these circuits. At the same time this fact also ensures their use abroad in the shops and ATMs that join the circuit in question. Precisely for this reason prepaid cards are more and more popular and widespread both among young people and adults who have to spend a longer or shorter period of time outside the Italian borders, in an EU country or in the Extra Euro