Open an Ing Direct account: how, step by step and advantages. Ing Direct is one of the most popular online banks in Spain, with more than 1.5 million customers. It offers a wide variety of products and services, from payroll and savings accounts to credit cards and personal loans.
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What is needed to open an Ing Direct account?
To open an Ing Direct account, a valid identity document (passport, driving license or national identity card), a postal address and a telephone number is needed. A minimum income of $ 1,000 is also required for savings account and $ 5,000 for checking.
How much does Ing charge without payroll?
In these times when we are all attentive to our expenses, it is important to know what are the commissions charged by the banking entities for the services we use.
Ing Direct is one of the most popular online banks in Spain, and offers a payroll without very attractive conditions. But how much does Ing charge for this account?
The ING Direct payroll has no monthly commissions, no maintenance, or payroll domiciliation. In addition, it has no commissions for national and international transfers, or for reimbursements in ATMs of the 4B network.
The only commission that charges Ing for this account is a commission of 3 euros for reimbursements in cashiers from other networks.
Therefore, we can say that the ING Direct’s payroll is one of the most competitive market, since it has no commissions for the most used services.
What happens if I don’t income 700 euros ING?
What happens if I don’t income 700 euros ING?
If you do not enter the 700 euros in your ING account, you can have problems covering your expenses and paying your invoices. If you don’t have enough money in your account to cover your expenses, you can:
-Pasate important payments such as rent or mortgage.
-Cumulate debts with suppliers.
-Pagar fines for not paying your bills in time.
-To problems accessing credit in the future.
Entering 700 euros in your ING account is important to avoid financial problems. If you do not have enough money to do it, you can request a loan or use other sources of financing to obtain the money you need.
What is the best option to open a bank account?
Some people think it is better to open a bank account with a large bank, while others prefer a local bank. Here are some of the advantages and disadvantages of each option:
Advantages of large banks:
– They offer more services and products, so you can get everything you need in one place.
– They have branches everywhere, so it is easier to access their money.
– They usually have better interest rates.
Disadvantages of large banks:
– They can be impersonal and difficult to navigate.
– They often charge higher commissions.
Advantages of local banks:
– They are more personal and you can get better customer service.
– They usually have fewer commissions.
– It may be easier to get a loan in a local bank.
Disadvantages of local banks:
– You may not have all the services you need.
– They may not have branches everywhere, so you can go to another place to make certain transactions.
In general, the best option to open a bank account depends on your personal needs and preferences. If you need all the services of a big bank and do not mind paying a little more in commissions, then it is likely to be a good idea for you. However, if you prefer the personalized attention of a local bank and you can get everything you need, then it is possible to be a better option for you.
