Account Nomina of ING Direct and Fresh Banking

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31-10-2008 | Javier Gomez

ING Direct is one of the most well-known on-line banks, especially, for the constant advertizing campaigns that do both in television and in Internet. We will have heard all speaking about Fresh Banking, and about the Account Payroll, and more of one will relate the orange color to this Financial institution.

The Account Payroll of ING sells under the slogan of being the checking account that does not receive anything from us and above he returns us money. Really, it is like that, in the most literal sense of the word because they return us 2 % of the domiciled receipts, and it does not take commissions, although on the other hand, they do not give us interests in she, therefore if we want to obtain yields of our savings or of the part of the payroll that we do not spend we have to open an orange account, that that one yes, it is well stipendiary. But let's see the characteristics in a more detailed way:

What offers us the Account Payroll of ING?

They deposit to us monthly 2 % of the receipts of light, gas, mobile and fixed and Internet phone that we have domiciled in the account.
Free credit card
Card of free debit
To extract free to debit in all the tellers 4B.
Because of safety, they order you a SMS to your mobile, whenever money moves back.
Without commissions in:
- Maintenance
- Transferences inside Spain
- Transferences inside the EU up to 50.000 €
- Checks revenue

For what does he ask us?

The only thing, clearly, it is to domicile the payroll.

What seems to us?

If you want to use an account that you use only for the daily expenses and in which you do not think to save anything, certainly, this is your account. Nevertheless, if generally sóis of the privileged ones that a part of the payroll manages to save, you must know that this account does not give you yield any, therefore you will have to open another account (the best in this case is the Orange account) to that you will have to go penetrating the savings. After there talks each other the account Payroll of a checking account, you can arrange of the money in any moment without commission none, therefore you can penetrate it to the saving account as soon as queráis and without problems. Perhaps this is the only one (although very small) point ne against: the need to have to open two accounts. Otherwise, contemplating jointly the offer, that is to say, return of 2 % in receipts in the account payroll, and 6 % during the first five months for new clients in the orange account, it is a very good option if you are thinking of changing the Bank payroll.

To read more on: Stipendiary accounts, financial Products
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