Consider the hypothesis of open a current account online means trying to understand how the savings you have available could be invested. From this point of view, online banking is no different from traditional banking, in the sense that it offers all the tools you may need to invest your assets and to manage savings. Even if the account is managed through the Internet, you still have the possibility of taking advantage of the support of an expert consultant in the sector.
How to communicate with your consultant
Depending on the credit institution you decide to opt for, you can interact with your consultant through different channels: by email or by phone, for example, but also by chatting via webcam or, if desired, by booking an appointment at a branch. In fact, online banks, despite virtual management, sometimes also have physical locations.
Why choose an online checking account?
Opting for a online current account with zero fees, therefore, you have the possibility to get information how and when you want, based on the time that are considered most appropriate, to carry out all the necessary assessments and compare different solutions: the result is a much more considered final decision. It should not be forgotten, then, that the online banks they make use of the services offered by consultants who are specialized in a very specific financial field. This is another advantage that should not be overlooked, because it means that the customer is certain of dealing with a true expert in the sector, with targeted skills.
How much does it cost to have an online account?
Online accounts mean lower costs for banks, which translates into an economic advantage for customers as well. The reason is easy to explain: banking groups whose business is mainly carried out digitally do not have many physical locations and have fewer employees than usual. As a result, management costs are lower. It is easy to understand, in short, why a traditional service is destined to cost more than a digital one. Of course, before choosing an online account it is still advisable compare the various proposals, to understand which is the most convenient. It may happen, in fact, to come across a high annual fee.
Are online accounts safe?
In most cases, the most popular online accounts are the digital version of the classic accounts offered by the most important banking groups. In this case, customers who hold an online account have the possibility of taking advantage of the support they may need. If there are no physical offices, written communications generally take place via PEC, i.e. Certified mail: obviously they are faster, as they do not require making an appointment. In terms of security, then, there is nothing to worry about, as online banks, just like traditional ones, are required to adhere to the Fitd, that is, the Interbank Deposit Protection Fund, which falls under the supervision of the Bank of Italy.
Managing an online account
In case you open an online account, all documents that need to be signed can be signed digitally. In fact, the legal value of the digital signature is the same as that of the handwritten signature. The digital signature also guarantees the highest safety standards, since it is protected thanks to temporary passwords or private credentials that are provided via SMS to a certified telephone number. The various consents, thus, are not expressed on sheets of paper but through the Internet; there is no need for the electronic tablet that is now widespread in all branches and that makes it possible to graphic signature.
- Article updated on 02/12/2025 at 14:00 - Article revised
Choose the channel you want to subscribe to