Co-founder of Affari Miei
April 24, 2024
Today I want to talk to you about illimity current accounta novelty in the panorama of current accounts that allows you to obtain different advantages for all new customers who choose to rely on this bank for the management of their money.
But how does it work? How much does it cost and what are the opinionsi advantages they disadvantages?
All you have to do is continue reading the offer Smart account Of illimity Bank!
This article talks about:
Who is illimity?
We’re talking about one new bank, which was created to offer its customers a 360° service. The bank, in fact, offers credit to small and medium-sized businesses, deals with Corporate NPL (purchasing and managing the credit of companies in difficulty to relaunch their potential and create opportunities) and offers everything thanks to an efficient online banking setup, to make customers’ lives easier.
It is a bank that offers a complete service to its customers, in fact you can both open a Bank account that a deposit account with constrained and unconstrained line.
>> Open your illimity current account now!
Main features of the illimity current account
Let’s see immediately what they are account characteristics. The bank offers a current account that allows you to manage transactions with maximum speed and security, without sacrificing simplicity.
here are the account benefits:
You always have the balance and the list of your updated movements in real time and you can organize them based on: period, type, amount or category of expense, thanks to smart timeline;
You can do the telephone top-upspay yours bulletins became MAV/RAV is F24 directly from the site and the app; you receive notifications, curiosities and suggestions intelligent in the section “your bulletin board”; You can send money to your friends in seconds thanks to the service instant transfer.
If you want to transfer your old account to this one, you can do so thanks to the portability operation, transferring the complete balance and management of utilities within 12 days of accepting the request for “account move”.
You need to follow the illimity Bank procedure and send the form according to the instructions: they will take care of everything without you having to do anything else.
Offers for new customers
First of all, I would like to inform you that illimity currently allows the 2.50% remuneration gross annual rate for current account deposits until 31 December 2024, then it will become 0.50%.
Furthermore, the stamp duty on the current account is paid by the bank.
For all new customers who decide to open a current account, there will be zero fees for some services which I report below.
In fact, you will be able to take advantage of:
International debit card free;
Free withdrawals (equal to or greater than €100): unlimited;
Deposit account up to 3.80%: even;
Credit card: free (to be requested after opening the account);
Instant transfers: free;
Spending projects (0.50% yield): included.
>> Open your illimity current account now!
If you open today the illimity current account you will have the fee reset for the first year but you can have it for free forever if you meet the requirements that I explain below:
credit your salary or pension, or in any case a monthly recurring credit of at least €750; activate two direct debits on the account: not only domestic users, but also a gym subscription, or video and audio streaming, or even telephone payments; At least €300 of expenses per month between credit card (if possessed) and international debit card.
If, after the first year, you do not comply with the conditions, the fee of illimity current account it will be €8.50 per month.
Il illimity current account provides, as we have seen, the possibility of having a credit card that you will have to request after opening the account, making unlimited free withdrawals and instant bank transfers. If you do not need these services, you can switch at any time and free of charge to the Smart Account which does not require payment of the fee.
Account costs
Let’s see the costs of this account. We have already seen that the current promotion allows the cancellation of the monthly fee of 8.50 euros for 12 months. The other costs are as follows:
Mastercard International Debit Card: 0€
SEPA bank transfers in Italy and Europe: (EEA countries)0€
3 free cash withdrawals per month with debit card in the Euro area (minimum 100 euros): €0
Utility payment (SDD charges): €0
MAV/RAV, F24, Telephone top-ups: 0€
Deposit accountFreeincluded and with advantageous rates
Spending projectsFreeincluded and with a yield of 0.50%
Aggregate view of all accounts, even from other banks (illimity connect): Free it is included
Expense analysis and smart suggestions: Free it is included
Possibility to upgrade to the Plus Account: For free (with one click)
Differences between Plus Account and Smart Account
illimity Plus account it has more functions and allows for more flexible and complete operation: for this reason there is a monthly fee of 8.50 euros which, as we have seen, can be reset.
If, after the first year, you do not comply with the conditions, the fee of illimity current account Plus will go to €8.50 per month.
If you don’t need the credit card, unlimited free withdrawals and instant bank transfers, then you can switch to the zero-fee Smart Account at any time and for free.
Additional customer services
In addition to the deposit account (which I reviewed here) and the various services offered in the promotional package, the bank offers you an app with a simple interface so you can manage your account wherever and however you want.
Furthermore, physical payments can also be made with either a debit or credit card depending on your needs.
How to open an illimity account?
You can become your account holder in a few moments, either from the official website or by downloading the app illimity Bank.
All the documents you need are: the your identity cardthe health insurance card for the tax code and be ready for camera recognition, since you will have to record a video in which your identity will be proven.
>> Open your illimity current account now!
What is being said about illimity on the web?
The recensioni di illimiti su trustpilot they are very positive even if every now and then it is possible to read some customers who are not very satisfied with the service offered. In general, many appreciate the ease of use and transparency of the services offered which are perfectly in line with the needs of many customers.
My Business Opinions
illimiy it is an innovative bank, which wants to offer all-round services to both individuals and businesses.
The prospects are excellent, given the interesting promotion which eliminates the costs of the Plus account and the possibility of switching to the Smart account for free.
When it’s right for you
Il Conto illimty at the moment it seems to be one of the most advantageous on the market. It allows a lot of flexibility in managing operations, thanks to the practical App and the possibility of sending money immediately.
It is designed for those who have a smarter, younger mind and do not need to work at the counter, as virtual assistance is enough for them.
Furthermore, the deposit account of this bank should not be underestimated as it currently offers one of the most advantageous rates. If you have liquidity that you can immobilize, it is certainly one of the solutions that you absolutely must take into consideration.
>> Open your illimity current account now!
When it’s not for you
It is not convenient for you if, however, you are more attached to the concept of a traditional physical bank and the idea of not having a physical branch to go to does not create security for you. With illimity you can manage everything through the app or the bank’s official website but this is a function that may not please everyone.
Conclusions
My advice, when it comes to opening a current account, is always to make a comparison between the various offers of the moment. illimity offers a good promotion, which also allows you to open a very advantageous deposit account (yields 3.25% interest). The account is very complete because it offers the possibility of having different payment instruments such as credit and debit cards.
Furthermore, the possibility of making instant bank transfers and real-time money transfers represent a big advantage that not all banks make available to their customers for free.
My review ends here. All you have to do is decide whether illimity it’s right for you.
Other useful resources
Before saying goodbye, I leave you with some free resources to consult to find out how to manage and make the most of your savings:
I wish you a good navigation on Affari Miei, see you soon.
Find out what kind of investor you are
I have created a short questionnaire to help you understand what type of investor you are. At the end, I will guide you towards the best contents selected based on your starting situation:
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Related
The share of the yuan in payments via SWIFT set a new historical record
– 2024-04-24 17:14:24
The share of the yuan in settlements through the international SWIFT system in March reached a historical record of 4.69% after a decline in February, according to system data reviewed by TASS, Day.Az reports.
The highest share of Chinese currency in payments via SWIFT was recorded in November 2023, when it rose to 4.61%.
At the same time, the share of the euro in March decreased to 21.93% from February levels of 23.25%. The dollar continues to be the most popular currency for international payments, increasing its share in March to 47.37% from 46.56% in February.
Also traditionally, the British pound has entered the top three in international payments. Its share in March was 6.57%, down slightly from February levels of 6.9%.
SWIFT is an international interbank system for transmitting information and making payments. About 10 thousand financial institutions in more than 200 countries of the world are connected to it. After the introduction of sanctions, SWIFT ceased to be the main channel for Russia, where the main exchange takes place through the Financial Message Transmission System of the Central Bank of the Russian Federation (SPFS, the Russian analogue of SWIFT), which by the end of 2023 has 556 participants from 20 countries.
The share of the yuan in payments via SWIFT set a new historical record – 2024-04-24 17:14:24
Laws that scare
A scaffolding of dispersed and disjointed laws that ends up stifling investments.
The Peruvian labor scenario has epic disproportions. Although there is currently no single law that brings together all the regulatory devices (rather the laws are dispersed and disjointed) the reality is that these, despite pursuing a noble goal, end up suffocating investments.
Peru—like Brazil and Cuba—has the largest number of vacations in the region, with thirty (30) paid days per year. It is a far cry, for example, from countries like Mexico, where the maximum number of paid vacations is only six days per year. While in Ecuador, Chile and Colombia the national codes establish fifteen (15) paid days for each year of work.
Likewise, our country has a total of 28 types of paid leaves. These range from leave for preventive exams, for breastfeeding, for summonses, for training, for private reasons, for holding a civic position, for union representation, among others. In contrast, countries like the United States carefully regulate sick leave at the federal level, leaving a wide margin of dependence on company policies.
“Materially, how many does that benefit? Only the number of people who work formally. We are a country that works informally. All these benefits only benefit twenty-five people for every 100, that is, those who are on the payroll,” says Daniel Paniura, specialist in labor law.
Although there is no unemployment insurance in Peru, there is an amount that is paid for the same purpose: the CTS. The employer must deposit an extra salary per year, which can be collected when the worker stops working. According to the Economic Commission for Latin America and the Caribbean (ECLAC), only nine countries in the region maintain this benefit. And in countries like Chile and Argentina itself, the CTS does not amount to one salary per year, while in Peru both micro and small businesses are obliged to pay it.
In the United States, the minimum wage varies depending on each state (or region), unlike our country, where the minimum wage is the common denominator that prevails in poor and rich regions, as well as among solid businessmen and small farmers. The minimum wage has increased progressively over the last decade, with the last modification in May 2022, which set a minimum of S/ 1,025 soles per month.
Although Peru is a country subject to international labor standards, the expansion of benefits has mainly come from legislative initiatives by Congress, turning its back on real economic progress.
Behind the guise of “state benevolence” the real thing is that employers stop incorporating their workers into the payroll and “what they do is resort to ‘legal strategies’ so that not everything is remunerative and thus be able to reduce costs,” he adds. the expert. According to a study published in 2018 by the International Labor Organization (ILO), in Latin America and the Caribbean there are about 140 million workers without a formal contract out of a total of 263 million.
As recalled, the Congressional Labor and Social Security Commission, since 2016, has been chaired by leftist parties such as the Broad Front, Nuevo Perú and the Magisterial Block. In this period, special labor regimes were approved in the private sector, complementary retirement funds, AFP withdrawals, new holidays, among others.
Precisely on that point, the last holiday incorporated is next July 23, in honor of José Abelardo Quiñones, hero of the FAP. There are now sixteen national holidays in which no one should go to work.
#Laws #scare
– 2024-04-24 16:57:34
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