The checking account It is a contract, regulated by the Civil Code, useful for the management of certain transactions between the account holder and the bank: receive credit of salary, the charge of households, etc..
The Banca d'Italia (journalistically Bankitalia) held annually sull'onerosità survey of household current accounts; this survey takes account of fees and commissions actually charged to customers during the year.
So we find that in 2015, the cost of managing current accounts was averaged 76,5 EUR, a decrease of 5,8 euro over the previous year. They decreased both the fixed costs (3,9 €), driven by lower basic fees, both those variables (1,9 €); on the decrease of the latter influenced the smaller unit commissions, which more than offset the growth in the number of transactions (of 140,4 a 143,8 unit); in equal steps, variable expenses would have decreased by 2,1 EUR due to lower unit commissions.
The most recently opened contracts, probably as a result of trade policies practiced by banks in respect of new customers, generally they have more favorable economic conditions than the most senior contracts: customers with accounts opened for a year spend 27,6 euro less than the average value; customers with accounts opened at least ten years spend 16,7 Euros more than the average.
Io so e ho le prove: Confessioni di un ex manager bancario……….per scoprire i costi del tuo conto!
The result of the current survey is part of a phase of gradual reduction of expenditure: in the period 2010 – 2015 the management of accounts expenditure decreased by an average of 3,4 percent annually, with a total variation of 14,6 € (It was equal to 91,1 euro in 2010).
Resta valido, l’utilizzo dei siti comparatori, in search of the ideal current account.
Alex Gaetani