Co-founder of Affari Miei
February 16, 2024
Are you looking for the best offer for you regarding current accounts? Continue reading, because today we are talking about the offers of BPER, a banking group that has always been very active in the banking sector for families and private citizens.
Below you will find everything you need to know about the BPER current account.
This article talks about:
Who is the BPER banking group?
Il BPER group for over 150 years it has been offering services and choosing to be alongside the people who place their trust in them.
It is a bank in the territory and for the territory.
To date the bank is very solid; it is a large national bank that is trying to consolidate and make changes its strong point.
Their mission is to be a large Italian bank, empathetic and evolved, capable of supporting people and connecting them to each other.
Theirs objective is to build relationships of trust that are based on transparency, clarity and listening to customer needs.
The bank also makes efficiency its strong point, and is able to offer prompt and decisive responses, suitable for accompanying each customer on their growth path.
Is the current account safe?
If I were to choose to open the BPER Banca current account you could certainly feel at ease regarding the solidity and security of the institute.
In fact, the bank in question currently signals a CET1 ratio of 13.3%, while regarding the total capital ratio it marks 17.4%.
Both of them prudential supervision indices are higher than the levels required by the ECB.
It is therefore unlikely that such a bank could fail or be in difficulty from the point of view of returning money to account holders.
Furthermore, to compensate for counterparty risk, the bank adheres to the guarantee system Interbank Deposit Protection Fundwhich ensures each account holder coverage of up to 100,000 euros.
BPER current accounts for individuals: BPER On Demand Current Account
The main products that the bank offers to its private customers are essentially four. Let’s start talking about BPER personalized current account.
This is the personalized current account that you can create as you wish: you pay only for what interests you, activating and deactivating when you prefer the extra products and services not included in the basic offer.
The current account is on promotion for under 35s with a monthly fee of €0.
L’basic offer of the on demand account foresees, for the under 35:
Monthly fee of €0; Debit card at €0; Unlimited online SEPA transfers; Unlimited BPER group ATM withdrawals; Dedicated consultancy online and in branch.
The same basic offer for over 35 it always provides the fee at zero for 3 months, then it remains at zero euros if I credit the salary or pension, otherwise the monthly fee amounts to 6.90 euros.
The offers are valid until June 30, 2024.
With the bill BPER On Demand Furthermore, it is possible to activate certain modules, based on your needs.
For example, online SEPA transfers for €1.50, the classic credit card for €3, or even a module for online trading based on your investment profile.
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Conto Teen!
This current account is intended for individuals only teenagers aged between 13 and 17.
This is an interesting solution for when the time comes to start making your children more responsible and more aware of the value of money.
The account has a free fee and also includes free withdrawals and deposits at the branch (stamps of €8.55 are due if the balance is greater than €5,000).
L’internet banking it is free but only in information mode, to consult balance and movements with a single click.
The rechargeable prepaid card is optional if needed, and there is also a debit card linked to the account which will be delivered to Teen! account holders.
Current accounts for businesses and professionals
There are also different types of current accounts for businesses e professionals among which:
BPER Business account con formula small, formula medium o formula large:
The formula small It has a monthly fee of 15 euros and includes 30 operations every three months. The debit card that is delivered has a free fee; There formula medium it has a monthly cost of 33 euros with debit every 3 months and includes 60 operations every three months, with a free debit card; There formula large it has a monthly fee of €65, also charged quarterly and offers the possibility of carrying out unlimited transactions. The debit card that is delivered is fee-free;
BPER ProfessionalMENTE account, an ideal service for freelancers and associated firms. To meet lighter needs, the formula small which involves 20 operations every three months at a monthly cost of 9 euros and a free fee for both the debit card and the card to access internet banking services. For medium needs, however, the formula medium at a monthly cost of 14 euros with 50 transactions every three months and a free fee for both the credit card and the one used to access internet banking services, while the large formula is designed for more demanding needs and at a cost of 24 euros per month offers unlimited operations;
Conto Welcome Business: it is the company current account reserved for professionals and businesses who have an annual turnover of less than 2.5 million euros, who wish to become new BPER customers and above all who need to carry out many transactions. In fact, it is designed for those who carry out many bank transactions and are looking for a rich offer of services at an advantageous price. The current account in fact provides an unlimited number of operations, advantageous costs in the first 12 months from the opening date and discounts on the fee from the thirteenth month of opening, depending on the banking products and services you have. The quarterly cost is €24 up to the twelfth month, and then goes to €157.50 from the thirteenth month;
Third party sector account, designed to optimize the management costs of your organization. Includes 2 from 45 to 180 quarterly transactions, the individual or corporate credit card with a free fee at least for the first year and all at a quarterly fee of 12 euros;
BPER Condominium Account created specifically for the administrative management of condominiums, whether it is your own or whether you administer it. You can choose between two options, the Condominium account at a quarterly fee of 27 euros and with 20 quarterly operations included and the Condominium Plus account at a quarterly fee of 45 euros and with 40 quarterly operations included;
Agricultural Account created to support agricultural companies present in Italy. Opening it is very simple, just go to any branch without any initial payment.
Why choose the BPER banking group?
Choosing the services offered by this banking group can be convenient for several reasons:
low risk since, based on the risk assessment indicator, i.e. Financial Leverage, the BPER group is among the best in the national system;
high financial soliditysince, also in this case, the index that measures banking solidity, namely the CET1, indicates a largely positive value.
high liquidity as these are significantly higher than the minimum requirements
Is a BPER current account worth it?
It is a choice that you will certainly have to make on your own, once you have analyzed all the elements that I have just made available to you. We are faced with a bank that is certainly solid and offers various opportunities for those who want to have a current account, whether classic or mainly for online operations.
Interesting, especially for younger people, is the possibility of having a zero-fee account, a possibility that is also offered by other groups although not always under such advantageous conditions.
If you then want to compare this offer with packages from other banks, visit section dedicated to current accounts Of My business.
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