Sotto quest’aspetto le banche online hanno rivoluzionato il nostro modo di vivere. Con un conto online infatti non hai bisogno di recarti di persone in banca e aspettare lunghe file. Potrai fare tutte le operazioni che vuoi in qualsiasi momento e in qualsiasi luogo, semplicemente con il tuo telefono, tablet o PC, con un solo click. Inoltre sempre più filiali stanno chiudendo, e quindi trovarne una vicino casa diventa davvero difficile. Anzi secondo alcune stime, negli ultimi anni hanno chiuso oltre 600 filiali, lasciando diverse città senza banca.
Tra i principali vantaggi dei conti online ci sono sicuramente anche i costi decisamente ridotti rispetto ad un conto corrente tradizionale. Alcune banche offrono addirittura dei conti online con zero spese. Questo si spiega naturalmente con il ridimensionamento dei costi delle stesse banche. Non hanno più bisogno di tanti dipendenti e filiali, e quindi le loro spese sono in netto calo.
Attenzione però a non farsi trarre in inganno. I canoni di alcune banche possono anche essere molto esigui, ma dietro si potrebbero nascondere diversi costi per le operazioni o per i prelievi. Per questo, leggi attentamente il contratto prima di aprire il tuo conto bancario online.
Naturalmente ci sono anche alcuni aspetti negativi, e riguardano in particolare la sicurezza. Al giorno d’oggi ognuno di noi salva i propri dati sul proprio smartphone, e in caso di furto o smarrimento, i rischi aumentano. Basterebbe infatti poco per accedere al tuo conto online e fare ogni tipo di operazione. Fortunatamente la tecnologia ci sta aiutando anche sotto questo punto di vista. I nuovi device infatti hanno la possibilità di accedere al proprio conto con l’impronta digitale: un metodo decisamente molto più sicuro della password. Per questo motivo, se non hai ancora attivato questa opzione, fallo subito e vivi con più tranquillità.
Presta anche molta attenzione a quando accedi al tuo contro dal PC. Assicurati, una volta che hai terminato, di effettuare il log out e di chiudere la pagina.
Attenzione ai prelevi in altre banche. Come dicevamo, uno dei vantaggi dei conti online, è quello dei costi ridotti. Ma devi prestare attenzione anche a dove vai a prelevare, per ogni operazione infatti potrebbero addebitarti alcuni euro di commissione, che a lungo andare potrebbero diventare una bella cifra.
Anche se tutti i conti online ti sembrano uguali, sappi che ci sono diverse differenze, sia per quanto riguarda i servizi, che i costi. Perciò valuta attentamente tutte le opzioni sul mercato e non rischiare di aprire un conto online inutilmente. Compara i prezzi e leggi bene i contratti prima di scoprire costi aggiuntivi di cui non sapevi niente.
Sul web troverai diversi siti che ti aiuteranno nella comparazione dei prezzi. Se poi hai dubbi, non esitare a contattare direttamente le banche attraverso i loro servizi clienti.
Per quanto riguarda la garanzia e la sicurezza, sappi che le banche online che operano in Italia, sono equiparate alle banche tradizionale, e quindi sono regolamentate dalla banca centrale italiana (la Banca d’Italia). Di conseguenza tutte le banche aderiscono per legge al Fondo di Tutela dei Depositi.
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