Do you want to change banks and have opted for a dematerialized branch? By consulting a comparison, like here , you can select the brand that best suits your needs. Each offers various services, from the online credit card to the savings account, via the stock market platform and ongoing assistance. How to choose the best?
One of the questions to ask yourself is: why choose an immaterial agency? This of course makes it possible to obtain a free online credit card or a sum offered when opening a first current account. But the financial incentives are not the only advantages of this kind of service and should not be decisive for you.
Of course, you may be seduced by the idea of not having to pay your credit card online. That a means of payment is not a source of loss of money is always interesting. But you need to look at your situation more broadly. For example, a professional will not have the same interests as an individual in opening an account on this type of platform.
The question of security is also all the more important as if bank robberies exist, hacking attempts are much more numerous and regular. Under these conditions, it is important to choose an agency in which it is possible to place your trust.
Be aware, however, that the vast majority of immaterial agencies are subsidiaries of traditional groups such as BNP or Société Générale. Which a priori is a guarantee of seriousness.
Most customers of these banks without an establishment choose them for two main reasons: the ease they provide in managing accounts, and the virtually free services.
At any time, on the internet, you are able to carry out the transactional operations you need (transfer, deposit, withdrawal, etc.). In addition, you have very few costs to pay. Such flexibility attracts people, especially with the entry into force of the Macron law on bank mobility assistance. Getting a credit card online has never been easier.
How do you compare to that? Does not having to go to an agency any longer seem interesting to you? Some people may regret that they no longer have a flesh-and-blood adviser in front of them. On the other hand, it may take longer to cash a check since you will have to mail it and wait for a processing time.
In addition, the brands compensate for this physical absence with a greater remote presence. They offer customer service that is available longer, sometimes at later times on weekdays, as well as on weekends. As you can see by visiting this link , the French judge all of these services positively.
Note that some service providers offer to centralize external accounts. In other words, you can manage from a single platform accounts opened in other agencies. An innovative practice that allows you to considerably simplify your banking operations!
Moreover, navigation on one of these sites is always more pleasant than on those of traditional establishments. As it is the only interface for exchange and communication with their customers, online banks pay particular attention to the conception and design of their portal.
Choose the one that seems most consistent with what you expect from your new service provider. The best way to make up your mind is to go ahead and get your first credit card online.