Bank accounts free of charge

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Y77
Posts: 157
Joined: Mon Jan 09, 2012 10:52 am

Bank accounts free of charge

Post by Y77 » Sat Feb 02, 2019 2:47 pm

Hi!

Does anybody know any free of charge bank account, apart from S-pankki? Danske is actually charging me 1,60 euros a month, I'd like to close it down and open a free one. I wrote to them and ask them to remove the charge but they simply said "not possible", so they will learn the hard way.Thanks



Bank accounts free of charge

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heretostay
Posts: 190
Joined: Sat Apr 08, 2017 12:54 pm

Re: Bank accounts free of charge

Post by heretostay » Sat Feb 02, 2019 3:08 pm

:lol:


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agroot
Posts: 76
Joined: Sat Dec 22, 2018 5:04 pm

Re: Bank accounts free of charge

Post by agroot » Sat Feb 02, 2019 3:57 pm

What's with the laughing? Free banking feels quite normal, wouldn't you agree bankers should know better how to extract money in secret, not doing it openly?

OP why not S-pankki?


I'm also searching for a bank with lowest cost, in addition to a credit card with waivable fee.


vla
Posts: 106
Joined: Fri Nov 30, 2018 12:23 am

Re: Bank accounts free of charge

Post by vla » Sat Feb 02, 2019 9:18 pm

Y77 wrote:
Sat Feb 02, 2019 2:47 pm
Hi!

Does anybody know any free of charge bank account, apart from S-pankki? Danske is actually charging me 1,60 euros a month, I'd like to close it down and open a free one. I wrote to them and ask them to remove the charge but they simply said "not possible", so they will learn the hard way.Thanks
I don't think they care about losing €1,6 monthly. I don't think they would learn some kind of lesson, not hard way nor whatever.

Do you think €1,6 is too much money or you just don't want to give that money to the bank?


Y77
Posts: 157
Joined: Mon Jan 09, 2012 10:52 am

Re: Bank accounts free of charge

Post by Y77 » Sun Feb 03, 2019 10:31 am

agroot wrote:
Sat Feb 02, 2019 3:57 pm
What's with the laughing? Free banking feels quite normal, wouldn't you agree bankers should know better how to extract money in secret, not doing it openly?

OP why not S-pankki?


I'm also searching for a bank with lowest cost, in addition to a credit card with waivable fee.
I already have an account with s-pankki and I'm thinking of closing also that one down, they are making things more and more difficult, limited amount of free cash withdrawals and now they are pulling out of the otto system, which means they will force you to go their joyless prisma supermarkets full of people that look like they have just come out of a Jerry Springer show if you want to get some cash.

I would open an account like Revolut, but Nordnet requires a bank with a finnish IBAN as vastatiili, probably for money laundry issues.
1,6 euros a month is not a lot but why pay if you can get an account for free? i'll close the Danske account sooner or later and if more people would follow my example, then the fat cats will start to change their attitude. I'm really amazed how banks are willing to lose a customer over a dispute over a few euros monthly charge, now they will not get 1,6 euros /month AND they will have lost a customer...


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agroot
Posts: 76
Joined: Sat Dec 22, 2018 5:04 pm

Re: Bank accounts free of charge

Post by agroot » Sun Feb 03, 2019 2:13 pm

But if you use a package, wouldn't it be much cheaper?

- Danske Gold package is only €6.90 at level 1, with two accounts (a current and a rental deposit?), a debit card with EU withdraw, a gold credit card with insurance, and a bank identifier (cost €3 otherwise!)
- OP's banking services package costs €6.50, one account, one gold card with insurance, and presumably an identifier.
- Nordea's basic package is €7.50, one account with the most basic credit card.


I can't find anything cheaper. And credit cards cost money too!


Y77
Posts: 157
Joined: Mon Jan 09, 2012 10:52 am

Re: Bank accounts free of charge

Post by Y77 » Mon Feb 04, 2019 9:56 am

agroot wrote:
Sun Feb 03, 2019 2:13 pm
But if you use a package, wouldn't it be much cheaper?

- Danske Gold package is only €6.90 at level 1, with two accounts (a current and a rental deposit?), a debit card with EU withdraw, a gold credit card with insurance, and a bank identifier (cost €3 otherwise!)
- OP's banking services package costs €6.50, one account, one gold card with insurance, and presumably an identifier.
- Nordea's basic package is €7.50, one account with the most basic credit card.


I can't find anything cheaper. And credit cards cost money too!
thanks for the answer but that's not good, I already have a totally FREE credit card, with bank norwegian, which includes FREE travel insurance and FREE cash withdraw, so as you can see there are freebies when you know where to look. If I don't find a totally FREE finnish account I'll use my s-pankki account as a Nordnet vastatilli and take money out using the norwegian c.c., but ovboiusly having a normal free account would be better


Marsh04
Posts: 343
Joined: Tue Nov 11, 2014 10:04 pm

Re: Bank accounts free of charge

Post by Marsh04 » Mon Feb 04, 2019 6:50 pm

S- Bank is the best option. You can open many accounts and get two cards free of charge as well. Only older people want cash regularly, for occasional needs it shouldn't be a problem to pick it up from the shops.

There are many credit cards available without any fee. But for the banks, it's only S-Pankki


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agroot
Posts: 76
Joined: Sat Dec 22, 2018 5:04 pm

Re: Bank accounts free of charge

Post by agroot » Mon Feb 04, 2019 7:10 pm

Y77 wrote:
Mon Feb 04, 2019 9:56 am
thanks for the answer but that's not good, I already have a totally FREE credit card, with bank norwegian, which includes FREE travel insurance and FREE cash withdraw, so as you can see there are freebies when you know where to look. If I don't find a totally FREE finnish account I'll use my s-pankki account as a Nordnet vastatilli and take money out using the norwegian c.c., but ovboiusly having a normal free account would be better
Ha are you saying banknorwegian is better? :D

But where is the long list of their service charges? Website looks over-simplistic and I dunno how to do site: search in Finnish.


Y77
Posts: 157
Joined: Mon Jan 09, 2012 10:52 am

Re: Bank accounts free of charge

Post by Y77 » Tue Feb 05, 2019 7:24 am

agroot wrote:
Mon Feb 04, 2019 7:10 pm
Y77 wrote:
Mon Feb 04, 2019 9:56 am
thanks for the answer but that's not good, I already have a totally FREE credit card, with bank norwegian, which includes FREE travel insurance and FREE cash withdraw, so as you can see there are freebies when you know where to look. If I don't find a totally FREE finnish account I'll use my s-pankki account as a Nordnet vastatilli and take money out using the norwegian c.c., but ovboiusly having a normal free account would be better
Ha are you saying banknorwegian is better? :D

But where is the long list of their service charges? Website looks over-simplistic and I dunno how to do site: search in Finnish.
of course norwegian is better, no charges at all if you pay the balance in full by the 15th of the following month. if you do that its FREE, GRATIS KOSTENLOOOOOOS


Y77
Posts: 157
Joined: Mon Jan 09, 2012 10:52 am

Re: Bank accounts free of charge

Post by Y77 » Tue Feb 05, 2019 7:29 am

agroot wrote:
Mon Feb 04, 2019 7:10 pm
Y77 wrote:
Mon Feb 04, 2019 9:56 am
thanks for the answer but that's not good, I already have a totally FREE credit card, with bank norwegian, which includes FREE travel insurance and FREE cash withdraw, so as you can see there are freebies when you know where to look. If I don't find a totally FREE finnish account I'll use my s-pankki account as a Nordnet vastatilli and take money out using the norwegian c.c., but ovboiusly having a normal free account would be better
Ha are you saying banknorwegian is better? :D

But where is the long list of their service charges? Website looks over-simplistic and I dunno how to do site: search in Finnish.
Moreover bank norwegian c.c. is totally red, the colour of sin and voluptous consumption, like a little square Ferrari


vla
Posts: 106
Joined: Fri Nov 30, 2018 12:23 am

Re: Bank accounts free of charge

Post by vla » Tue Feb 05, 2019 8:02 am

Y77 wrote:
Tue Feb 05, 2019 7:24 am
agroot wrote:
Mon Feb 04, 2019 7:10 pm
Y77 wrote:
Mon Feb 04, 2019 9:56 am
thanks for the answer but that's not good, I already have a totally FREE credit card, with bank norwegian, which includes FREE travel insurance and FREE cash withdraw, so as you can see there are freebies when you know where to look. If I don't find a totally FREE finnish account I'll use my s-pankki account as a Nordnet vastatilli and take money out using the norwegian c.c., but ovboiusly having a normal free account would be better
Ha are you saying banknorwegian is better? :D

But where is the long list of their service charges? Website looks over-simplistic and I dunno how to do site: search in Finnish.
of course norwegian is better, no charges at all if you pay the balance in full by the 15th of the following month. if you do that its FREE, GRATIS KOSTENLOOOOOOS
Cheap is not better, at least not always. Just saying.


Y77
Posts: 157
Joined: Mon Jan 09, 2012 10:52 am

Re: Bank accounts free of charge

Post by Y77 » Tue Feb 05, 2019 9:35 am

vla wrote:
Tue Feb 05, 2019 8:02 am
Y77 wrote:
Tue Feb 05, 2019 7:24 am
agroot wrote:
Mon Feb 04, 2019 7:10 pm


Ha are you saying banknorwegian is better? :D

But where is the long list of their service charges? Website looks over-simplistic and I dunno how to do site: search in Finnish.
of course norwegian is better, no charges at all if you pay the balance in full by the 15th of the following month. if you do that its FREE, GRATIS KOSTENLOOOOOOS
Cheap is not better, at least not always. Just saying.
Pay up for your golden packages then and be happy. I asked for suggestions to pay less, not more


vla
Posts: 106
Joined: Fri Nov 30, 2018 12:23 am

Re: Bank accounts free of charge

Post by vla » Wed Feb 06, 2019 12:08 am

Y77 wrote:
Tue Feb 05, 2019 9:35 am
vla wrote:
Tue Feb 05, 2019 8:02 am
Y77 wrote:
Tue Feb 05, 2019 7:24 am


of course norwegian is better, no charges at all if you pay the balance in full by the 15th of the following month. if you do that its FREE, GRATIS KOSTENLOOOOOOS
Cheap is not better, at least not always. Just saying.
Pay up for your golden packages then and be happy. I asked for suggestions to pay less, not more
You said "of course Norwegian is better" just because they are cheaper. That's what I mean.


tkt234
Posts: 77
Joined: Mon May 11, 2015 8:51 pm

Re: Bank accounts free of charge

Post by tkt234 » Tue Feb 12, 2019 3:09 pm

www.mistertango.com
as far as I know only they offer bank account free of charge, but you need a smartphone to register


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