The demands on students today have led many banks to create more student accounts, with the benefits of free fees, access to tuition and easy tuition payments.
These bank accounts are a savings model designed to enable students between the ages of 14 and 30 to use banking services and work at no cost or commissions.
At the end of the day, these are young people who are making the most of their day-to-day technology, such as paying with their cell phones smartphone, Check your movements, or pay bills or receipts at any time.
At the core of the bank, students are a potential customer as part of their strategy to build loyalty from this phase of their lives, assisted by products without commissions, at low interest rates, and where fast and efficient.
We encourage you to take a look at the released article best apps for 2019 students. You can check again the 13 best laptops of 2019 If you are considering buying new equipment.
Student bank accounts, what should I consider?
Nearly all say the same motto: no administrative or maintenance fees for university students between the ages of 18 and 31. However, you should be able to print fine to avoid being surprised.
As a student, you should check the bank direct debit service for your tuition, tuition and other educational expenses, taking into account the possibility of disclosure of certain payments or receipts without having to bank or charge you interest.
Bank products are being exempted from commissions and administrative costs that provide an easy way to contact the bank, to avoid outbursts. You should easily check for tuition, tuition or receipts of any kind.
What happens when I study abroad?
Banks have chosen to focus on attracting students to know that they will get paid jobs in the short term. To make them want, they offer a series of offers and grants.
If it turns out you are leaving Erasmus or exchanging, you should focus on services such as bank transfers to get a certain amount of money from your family without a commission or interest payment.
We have confirmed that many bank accounts offer this possibility for free but to a certain extent. This means that from a calculation, the operation will be more cost-effective.
You should also remember that once you have completed your studies or reached the age limit set by the bank, the current account will become a regular account and you will lose some of the profits you have earned so far.
Discounts discounts and gifts
We have seen how gift vouchers and discounts for students who open an account at the bank's capital come in many different ways. From discounts used for the purchase of an app like a laptop, gift discounts on purchases.
There is also something offered by Openbank and Amazon Echo speaker gifts when opening a payment account, even if it's not directly related to students. Similarly, the bank also offers Amazon gift vouchers cost € 40 for the second year in a row, plus promotions to invite a friend.
Finally, before opening your account, check the payment methods supported by your bank, as not all of them support traditional methods of Apple Pay, Google Pay either Samsung Pay.
If you are more familiar with paying with your mobile device, the absence of this subsidy would mean a higher return, even if using conventional credit cards.
Best bank accounts for 2020 new students
BBVA
BBVA Young Blue Account
Do you have any fees? Well You Don't Have It Again. This is the motto of Blue account for BBVA bank It is aimed primarily at young people between the ages of 18 and 29 who give commissions zero through the card once a month.
To sign up for a Blue account with your credit card, you'll only need your mobile phone either tablet, notify yourself by a video call or account number you own, and upload a DNI or TIE image to speed up the identification.
By renting a BBVA Young Blue account, you receive a Blue BBVA debit card now. You can make a transfer online within the EEA without commission. In the same way, you will not have commission charges for cash withdrawals at BBVA ATMs.
Another benefit offered by Banco BBVA is the ability to use BBVA App on both iOS devices, as for Android mobiles, with opportunities to leverage and activate your cards, pay with your cell phone, and receipts that pay in one photo.
Santander
1,2,3 Smart
It was last year when Santander announced the important news on its accounts associated with new customers, so that all could be converted to 1,2,3 accounts including a university account.
In this way, the 1,2,3 Smart account has the same conditions as the University Superccount with zero account repair charges and the debit card associated with it. The age range has been extended from the age limit of 27 to 31 years.
However, the bank remains active the university network Universia, a platform with academic projects and university services where job promotion, training opportunities, and tools of all kinds are offered.
In fact, there is in our country, as in Latin America, a large number Universities are connected to the Universia network where international expansion of university-supported university courses, exchange programs and promotion of collaborative projects is developed
Sabadell Bank
ClickOK new account
Offer provided by Banco Sabadell For students between the ages of 14 and 25, called a small ClickOK account, you must provide a free debit card.
The bank also bases their strategy on using the Travel Club card, so by registering your account you get 5,000 points. Later, you can get one point for every € 10 spent using your credit card.
If you are one of those studying outside your country, the bank may have a Card Transfer to get a card to your account for conditional transfers that have the most benefit for each transaction.
Sabadell Bank supports large mobile payment platforms so you can integrate them with your VISA or Mastercard. Highlight partnership with the Apple Pay service secure payment using your iPhone ID or Face ID.
The bank has Sabadell Wallet so that with the app installed on your smart phone you can pay to buy and send or solicit money from your contacts.
EvoBank
Small Account
This digital bank does not directly provide student accounts, but focuses on its distribution to the public called Minimum Accounts. The bank's motto is: "We provide you with everything you need to move."
In this sense, the Minor Account gives the bank card absolutely free with the assurance that you will not pay any commission, savings or administration. You will also have no problems if your account is exposed for some time.
The bank allows you to enter or transfer money for free through its offices, as well as over 2,393 post offices throughout Spain. The service also supports the use of 1,107 Caja Rural ATMs. In all, there are over 3,500 places.
As a part of the split, you can make your transfer online and mobile for free at zero cost. This account offers these benefits to all legal users over the age of 25. After that you will go to Smart account
The bank has been launched Evo Assistant, an intelligent voice assistant You can talk to your mobile app to learn about your account, and to perform faster tasks with less interaction with the application.
N26
N26 Black
Another bank that has already been born in the digital age is interested in closely following the type of services offered by a very small community. Inside what they are your recruitment plans, You have a & # 39; personal and business mode & # 39;
This way, you can open an account with a few simple steps at a zero price by enjoying a free cash withdrawal and paying without equipment at any cash or cash.
If you are one of those travelers, there is another variable with a monthly cost of € 9.90 which, with the benefits outlined above, can add a free withdrawal to any Allianz-related insurance coverage.
Modesty N26 Black It is particularly sensitive to the profile of younger users because it includes, among other things, medical expenses abroad, security of theft, purchase protection, luggage insurance and phone theft.
The N26 Black Cardcard has NFC performance for unpaid payments. Mobile app display It's very transparent and allows real-time operations to block it, change your PIN, set daily limits, or make payments work overseas and online
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