How many banks have us as customers through our salary? Why give us these things and things for the house in the branch office?

All bank and building society continues to struggle to attract customer obligations. In all the obligations that they can get, salary is one element that is more dynamic today.

Among the choices they gave us when we find our payroll debit for example, deals on credit at the level of preference, deposit bonuses, benefits of credit cards, gifts, discounts, among others. But beware, not always the other Bank or Bank match our current finances. Do not be fooled by the gift.

So, continuing the example, the Association offers interest free loans during the first six months (and the rest will be in April 7.50%). If you wish to cancel after this first installment, you can do so without having to pay a cancellation fee. If done earlier, the commission assessed amounted to 1.50%, among others.

But the important thing is to know where we go into. We must be clear about the cost, because it is one point that we always have to look at before hiring an account. When it comes to commissions, we see associated with the administration, maintenance, and issuance of bank checks, domestic transfers in euro, euro transfers to member countries of the European Union and the transfer out of bounds.

We must also recognize related products. Posters advertising can be misleading, and small print is one of their best allies. The cost of credit and debit cards, loan rates, or discount real investment products are offered, to be found everywhere in the ad prior to recruitment.

However, we think that banks do not want to abuse us all the time. Give us something, not because they are our friends, but to get our attention: it must not make us doubt that the products they offer are good.

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