You want to change banks and opt for opening an online account? Betsey Trotwood.com helps you find the best online bank with the lowest bank charges. Nearly 3.5 million French people have already made the choice of an online bank. Why not you?
Since the 2000s, several online banks have developed to compete with traditional banks. Offering their services on the internet, they relied more on simplified account management and more attractive bank and commission fees. The given service is therefore identical, even without physical agencies.
The different types of online banking
There are 4 types of bank on the internet to distinguish:
- The “pure players” (Saitama Bank, Bling Direct, Lisabanq, Newsegment bank, Mellow Bank, Furtunebank): offering advantageous rates only online without physical agencies;
- The online services of traditional banks or remote banks (e-CLC, LaBanque): tariffs are those of the traditional bank with online management;
- Bancassurers (Exu Banque, Purpleright Bank ): rates are those of insurers’ banking services with online management;
- Neobanks (B26, Marga Account, C-Wam): mobile banks where all the management of the account is done online on an application at preferential rates.
Why choose an online bank?
To stand out from the competition, online banks offer lower rates than traditional banks. On a daily basis, it is therefore possible to save money on your bank account management as well as your operations, for example:
- A free credit card: as much on classic cards as premiums, according to your income;
- No account maintenance fees;
- No charges on intervention fees and reduced overdraft fees;
- No charges on transfers or withdrawals.
Access to your accounts 24/7
Without physical agencies, online banks give you the opportunity to access your online banking services whenever you want. Compared to traditional banks, most market players offer a more advanced mobile or online application. For example, you can manage your bank accounts and options, track your expenses on the statement of account, cap your expenses or set up alerts.
In addition, online advisers are available by phone to answer all your questions but on larger time slots. You will be able to contact them earlier in the morning (8h) and later in the evening (19-20h) but also on Saturdays, unlike traditional banks.
Today , the need to use credit has increased considerably. You may need an urgent loan for any reason and you may want to apply to banks. However, people who do not have any income or who do not have an income and cannot show it officially investigate the banks that give credit without an income certificate and the questions which are the banks that give credit without requesting an income certificate come to mind. If you have regular monthly income but you can not use the loan, you can reach the detailed information about the banks that give credit without income certificate by reading this article. And without a certificate of income, the loan is withdrawn? Are there any banks that provide credit without income certificate? First of all, let’s look for answers such as what is the income certificate and where to buy it.
What is Income Certificate?
The document that determines the monthly earnings of individuals or institutions, that is, their income, is called as income certificate . In other words, the documents that show your monthly income generated by the salary you receive from the place of work, the salary you receive from the state or the rent you get from your real estate are called income documents . When your credit rating is low , banks may need such documents and obtain them from the accounting department of your workplace.
Is Credit Used Without Income Certificate?
First of all, we can say that this is directly related to your credit rating. If your credit score is well above the normal level, that is to say, the banks will give you a loan without demanding income from you. High credit rating is the most fundamental element in the eyes of banks and there is no obstacle for someone with a high credit rating to use products such as credit or credit cards. However, if your credit rating is low and you are asked for a certificate of income in the use of credit, then you should be informed about the banks that give credit without income certificate. In this article, we will give you information about the banks that give credit without asking for income certificate .
If your credit rating is not high and you can not use the loan from the banks, if your credit applications are rejected, you can read our article titled Wyren Banks that give credit to those whose record is broken. If your registry is broken or your credit rating is low, the bank may ask you for an income certificate directly. In such cases, banks that give credit to the broken record can be searched. Now let’s give information about the banks that provide undocumented loans.