Hai controllato i costi del tuo conto corrente? La migrazione del conto corrente.
Per lungo tempo cambiare banca è stato un incubo per molte persone a causa dei costi e della burocrazia da affrontare. Negli ultimi anni è cambiata la legislazione, che ha snellito il procedimento ed ha abbassato notevolmente i costi, in alcuni casi azzerandoli.
Insoddisfazione o voglia di trovare soluzioni più convenienti rispetto a quella attuale: sono queste le molle che possono spingere una persona a cambiare la banca a cui affidare i propri soldi. Passare da un conto corrente ad un altro, tuttavia, non è una scelta da prendere con leggerezza, ma bisogna sapere come muoversi e come fare per evitare penali per clausole che avevamo dimenticato.
CONFRONTO E SCELTA
Partire dai difetti del proprio conto corrente è sicuramente il punto di partenza per capire verso quale tipologia di prodotto orientarsi: occorre cercare un conto che risolva le inefficienze o le lacune di quello utilizzato fino a quel momento, o che offra soluzioni migliori, garantendo ad esempio un tasso di interesse più elevato o minori costi di gestione.
È bene ricordare che non tutti i conti correnti sono uguali: le proposte variano in base al numero medio di operazioni annue da svolgere, il maggiore o minore bisogno di effettuare operazioni in filiale, la possibilità di avere o meno uno scoperto di conto. La scelta va fatta, quindi, considerando l’uso che si fa del conto corrente.
TRASFERIMENTO ADDEBITI E ACCREDITI
Una volta scelto il prodotto verso cui migrare occorre, ovviamente, aprirlo, comunicando alla nuova banca le coordinate di quello usato fino a quel momento; il nuovo istituto si occuperà della migrazione delle somme ma anche di tutte le operazioni che normalmente sono connesse al proprio conto: dalle bollette per cui abbiamo la domiciliazione di pagamento allo stipendio, dal prelievo del mutuo alle altre forme di debito attive.
Con l’introduzione del Decreto Legge Bersani sulla libera concorrenza e la tutela dei consumatori, ogni cittadino titolare di un conto corrente può chiuderne uno senza spese o penali per il trasferimento delle somme e delle funzioni legate al vecchio conto. Va detto, ad ogni modo, che se abbiamo in essere un prestito vincolato al nostro vecchio conto occorre capire con la banca se è possibile trasferirlo al nuovo conto oppure bisogna estinguerlo prima di chiudere il conto; per i mutui, invece, non vi è questo problema.
TEMPI DI TRANSIZIONE
Perché si possa passare da un conto corrente all’altro bisogna essere certi di non avere più alcuna operazione attiva sul vecchio conto, senza però lasciarlo in rosso: questo va portato a zero, senza alcuno scoperto di conto. Se il trasferimento, come detto, non ha costi per il cliente, la chiusura del conto potrebbe averli: occorre controllare a quanto ammonti questa cifra, in maniera tale da lasciarla sul conto che si intende chiudere. Fatto questo, va mandata una comunicazione scritta alla banca di riferimento comunicando la propria decisione e restituendo bancomat, carta di credito e libretto degli assegni. La banca ha il diritto di addebitare le spese di invio dell’ultimo estratto conto e quelle per la gestione del conto dal primo gennaio al momento dello scioglimento del contratto.
ACCORGIMENTI
Benché si tratti di pratiche di veloce attuazione è bene evitare di correre il rischio di restare sprovvisti di bancomat o carte di credito; è meglio anticipare i tempi di apertura del nuovo conto in maniera tale da rendere indolore il cambio di banca.
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