1 – Branches, ATMs, they have an office close to home, near work, and also very important to have lots of cash. That will make life easier later.

2 – Commissions and fees: Not all banks charge the same commissions or in the same way. Miraroslo well because today, many banks do not charge absolutely no commission. Here enter management fees and account maintenance, commissions and fees of credit and debit cards, fees to withdraw money from ATM’s, etc. (Some see as we talked about banks and fees).

3 – Discovered: Most banks offer the possibility that if there comes a receipt and do not have sufficient funds in your account to pay, the bank will pay for you, as a kind of loan. This is also negotiable. There are people who negotiate with your bank does not pay any commission or interest on that money “borrowed” by the bank until it is for more than 1 week for example. Here you can play around with the subject.

4 – Online Banking: to choose a bank is important to look at whether they provide an online banking service, as this can save you many trips. On the other hand, do not charge you for using online banking service. (In a future post I would like to tell you about online banking services of the major Spanish banks, analyzing and discovering the advantages and disadvantages of each bank in appearance “online”).

5 – Safety: Before choosing a bank to consider the issue of security. For example, access to online banking secure? “SMS messages sent by the removal of the bank account any amount raised by way of warning label? (For those interested, we have a little theme about Internet security when using bank cards).

6 – Gifts: Given the competition between banks, now most offer gifts (TVs, computers, digital cameras / video, etc …) in exchange for the customer to transfer their salary, or savings deposits or any thing that the bank can make a profit. Bear that in mind to not have a bank account so wasted. (In our Blog Offers and Promotions put on a relationship with the banks who give gifts of household payroll.)

7 – Hours: Since it is sometimes difficult to come to the branch in person (sometimes it’s necessary) would not hurt to learn the office hours. Some banks are open one day a week until very late to allow working people to attend to their efforts, and some banks even open on Saturdays, but not all.

8 – Location: It is usually advised bank account open new branches, recently opened in new quarters, as these branches are often “desperate” and usually give in to any negotiation with the client. In contrast, if you go to a former branch, or in some very crowded, not much attention will make you, or will negotiate. And they treat the customer will be lousy.

9 – The golden advice to switch banks: NEGOTIATING: important. Do not let the bank thinking that I will not do you any favors, you who will do him a favor. It is a simple relationship of bilateral interest to you who are not happy with the conditions you need not to swallow anything. No more the banker gets cool and you look up and down before agreeing to open up an account. (Here we are some tips and tricks on how to negotiate with the banks).

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