Packages of services and you on the go offer most banks. These are the adjustments and the possibility of the law in such a way that they satisfy their individual needs as best as possible. How wide is the range of itch products on offer and how can it appropriately copy different life situations?
How to find out which of those balconies we hear about is the first one for us? What is good to know before dark, not to direct our steps to the banks?
Dtsk a studentsk konta
The first and relatively large group of bank accounts are designed for children and students, who are usually kept completely even without a fee. Children’s accounts can be found under various names, e.g. Sun, Fish, Xtra account, Mini and simply Dtsk account. Student accounts then appear under names such as Genius Student, Student +, Gaudeamus,
K-account, Junior, FREE account, Complete account Student and again only Student account with different attributes. Children and students use bn banking products and for banks they are a growing generation of clients with a strong connection to the banking world.
Children are businesses in the presence of parents (or legal representatives) with children aged 0 15, respectively. 10-15 years. Student accounts then include age categories between 15 and 30 years of age, ie young people studying secondary school, field of study, both professional and language schools, and full-time students studying various colleges, including foreign ones. The standard services offered with these programs for young people are a payment card, electronic banking, the possibility of a cash payment here (so-called overdraft) and often a refund of payment (ie wall and 100% refund of the cost) for the international student ISIC card.
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Bn bank account
He gave life to life in the name of productive. Our education is completed, we look for and find employment in real working life. We work, start families and raise our children. First, at this point, it is worth considering some package of services, which contains the standard structure of services offered by banks for a constant fee. As a rule, there are two or more basic types of packaging with the price and content, especially whether they provide and do not provide other above-standard, e.g. in the form of a better payment card.
If you are a member of one of the professional chambers, then you can make special offers for the first groups of clients. These are mainly those licensed free time, such as e.g. firsts, noti, exekutoi, dentists, veterinarians, but also small, architects, etc. He gave the information here.
The welcome exception is the Personal menu for commercial bank users, which is a package of services offered with suitable conditions to the first selected group of clients. To get started, you can own an International Credit Card (ITIC) and choose the Forte i Grand Personal Menu at the Trade Bank. This allows teachers to mention not only standard banking services, but also personal bank services. The personal menu for teachers can be compared to those students, where, among other things, a refund payment for the ISIC student is made, and the ITIC card for the teacher.
Starting a family, as most people can confirm, will change the financial situation of individuals and families in a relatively significant way. People are used to where they can use their own account, they can decide to continue. They can also consider one of the options for learning about fees connected with the management of two independent people and to receive an offer from HVB Bank with a FAMILY account. It is a package of services and a product that can be obtained for one month and where the client can choose from UNO, DUO and TRIO variants (single account, 2 or 3 sub-accounts).
Tab .: Fees within the Family, HVB Bank program
| Bank | Program | Alternative | Price in K / ms. |
| HVB Bank | FAMILY program | ONE | 94 |
| DUO | 114 | ||
| TRIO | 124 |
Source: banks
The Family package includes, as part of a single fee, 2 payment cards of various types, a Maestro payment card for children under 15 years of age with a 50% discount on the fee, 3 types of pmho banking, 5 banking information sent via GSM Banking via SMS and a guaranteed selection of ATM in R at prices of 9 K.
Potovná spořitelna offers, under suitable conditions, the name Handicap, and as the name suggests, it is intended for all natural persons over the age of 18 who are holders of an extraordinary benefits (TP, ZTP, ZTP / P). The package includes the issuance of payment cards, the establishment and maintenance of authorized cash, the number of deposits, term deposits, selected fees for the Max Mobil PS and Max Internetbanking PS services, and the creation and sending of a monthly entry here. The emphasis is logically placed primarily on the use of so-called pmho banking services. Msn fee for keeping here in the Handicap program in 15 K msn, including sending and processing of a monthly entry. Bn transactions are providers with a discount ranging from 20 to 50% on an individual fee.
And you don’t have to despair of a horse or two born, or some of our banks think of them as well. These are the ones named Senior and appear in the offer of both esk spoitelny and Potovn spoitelny. esk spoitelna this type is established here for clients aged 65 years or to people who are recipients of old age, pp. full disability pension paid by SSZ, MV R and MO R.
The savings bank and its postage Senior promises a favorable client from the age of 55, who has a cashless fixed income on their postage. The client Potovn spoitelny is automatically included in the program, while the client esk spoitelny has to show interest in changing the package. Charges for this species here in 15 K / ms. including the fee for sending and processing a monthly entry at Potovn spoitelny. Fees for current transactions here, as with the Handicap program, are provided by the bank with a discount ranging from 20 to 50%.
esk spoitelna charges a Senior of 25 K / ms., other payment transactions are the same in the same way as for other types charged by the bank.
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It is up to each individual to decide whether or not to use special banking services. The offer of our banks is varied and covers the whole of human life from childhood. Then it is only possible to make the first steps in the banking world and beyond, in which we become clients who are knowledgeable and experienced, but with far different needs. In the case of a financial salary, more than anywhere else, the gold rule doubles once. First, compare the bids of different banks, compare the bids within a single bank. Do not hesitate to turn to bank employees for advice, who will help you with the choice of a first-rate option.
How do you have experience with bank packages? Did you find a gap in their offer? Dark on your nzory.