Serviciile bancare online si-au dovedit din plin utilitatea, in ultima perioada de timp, marcata de criza sanitara globala. Tot ca urmare a experientelor pe care le-am trait cu totii, in contextul pandemiei, interesul pentru siguranta zilei de maine a crescut, iar numarul celor care au considerat ca este util si intelept sa se gandeasca si la viitor, nu doar sa traiasca din plin prezentul, a crescut. Combinand cele doua aspecte, este evident ca varianta depozitului online este o solutie atractiva si plina de beneficii.
Serviciile bancare online au devenit o realitate. Sunt sigure, simple si mai ales foarte eficiente. Orice dispozitiv care are acces la internet poate permite gestionarea conturilor bancare. Operatiunile online sunt echivalentul teleportarii in fata unui functionar bancar, pentru a efectua orice fel de operatiuni bancare. De fapt, le poti face de acasa, oricand, 24 de ore din 24, sapte zile din sapte. Pentru ca toate serviciile bancare online sunt mai eficiente, costurile de administrare a acestor conturi sunt zero sau foarte mici.
Unul dintre marile beneficii ale serviciilor bancare online este comoditatea absoluta. Poti solicita un imprumut, poti deschide un cont de depozit, poti stabili plati lunare, fara sa mai fie nevoie sa ajungi efectiv intr-un sediu de banca. In plus, ai evidenta evolutiei conturilor, incasarilor, cheltuielilor si tranzactiilor pe care le faci, in timp real. Deseori, bancile ofera conditii mai atractive in cazul produselor online, indiferent ca este vorba despre depozite sau credite, iar toate serviciile sunt sigure, protejate si garantate.
A face economii probeaza o buna intelegere a realitatilor sociale si economice pe care le traim. Mai mult, se poate afirma ca este unul din demersurile care iti garanteaza siguranta si capacitatea de a trece fara mari complicatii peste eventuale perioade mai putin stabile. Toti specialistii in finante spun ca ideea de a face economii, punand ban peste ban, acasa, intr-un plic, este un demers care nu are cu adevarat sanse de izbanda. Mereu o sa fie ceva care te va determina sa apelezi la „rezerva”. Totusi, tentatia de a „strica” fondul de rezerva scade considerabil atunci cand economisesti cu ajutorul unui depozit online, iar dobanda astfel obtinuta asigura un venit suplimentar, care, in timp, iti va rotunji economiile.
In plus, varianta unui depozit online vine la pachet cu o multitudine de alte avantaje de care poti beneficia si cu ajutorul carora iti poti gestiona mai usor economiile. Iata cateva dintre ele:
Pentru depozitele online, dobanda incepe de la 2% la o luna si ajunge la 4,40% la 15, respectiv 36 de luni.
Calculatorul de dobanzi este un instrument foarte simplu, care ajuta la anticiparea beneficiilor financiare pe care le aduce un depozit online, in functie de suma depusa si de scadenta aleasa. Dobanzile standard se aplica pentru expuneri de pana la 100.000 euro per client. Pentru sume care depasesc acest prag, banca poate stabili o alta rata a dobanzii.
Este bine sa stii si aceste amanunte:
Sunt doua conditii esentiale, dar extrem de usor de indeplinit. Prima este varsta de minim 18 ani, a doua, aceea de a avea un cont deschis la orice alta banca din Romania. Din momentul in care aceste cerinte sunt indeplinite, poti constitui un depozit online in cateva minute.
Stabilesti de la inceput suma, perioada si optiunea de retragere care ti se potriveste cel mai bine, iar in urma aprobarii cererii tale, banca iti va trimite prin email contul IBAN aferent depozitului tau online.
Indata ce banii vor ajunge in cont, depozitul se va constitui automat, iar pe email vei primi contractul de depozit.
O mare parte din activitatile cotidiene, indiferent ca este vorba despre viata sociala, asistenta medicala sau servicii bancare, au migrat inevitabil, intr-o mare masura, in mediul online. Este de remarcat faptul ca serviciile financiare online au venit dintotdeauna in intampinarea consumatorilor cu multiple beneficii si avantaje.
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