Managing finances and savings, Findomestic's integrated approach

Historically known for its specialisation in consumer credit, Findomestic, a BNP Paribas Group bank, has now expanded its vocation more than ever.
Over the past few years, in fact, personal loans have been flanked by a range of banking services dedicated to families, which focus on the daily management of money and savings.
Findomestic's current account and deposit account products are part of this evolution with the aim of offering simple and integrated services for managing financial resources.

Conto Corrente Online, access to banking services
At a time when the relationship with the bank is becoming increasingly digital and the current account offer is becoming more and more competitive, the current account becomes the fulcrum of the customer relationship. In this context, Findomestic's Conto Corrente Online (Online Current Account) aims to respond to the concrete needs of those seeking a simple tool for operating independently. The offer is really clear: it is a a zero-fee current account, with free Mastercard debit card, free ordinary SEPA and instant credit transfers, free withdrawals at BNL ATMs, and with stamp duty paid by the bank. In addition, the management of the account through the app allows recurring operations to be simplified, all account movements to be kept under control, and all services to be accessed at any time and place. The ambition of this account is undoubtedly to become the main account, the one to be used on a daily basis.

Deposit Account, the innovative solution
In the savings product par excellence, Findomestic chooses to go against what other institutions are doing. The Findomestic Deposit Account is in fact a unique product. It is a deposit account without constraints (and therefore without penalties in the case of the need to transfer the sum set aside), with an indexed rate that is calculated on the basis of the 6-month Euribor reference index. This guarantees a rate that always follows the market trend and avoids customers having to compare all products and offers in order to find the most convenient ones of the moment. A dynamic proposal that is also strengthened, at certain times of the year, by specific initiatives, which provide for promotional rates that are more advantageous than the indexed rate of the moment.

Current Account and Deposit Account, an integrated ecosystem
The opening of the two products is not restricted. Customers can choose whether to open both or only one of the two free of charge. It is, however, from the integration of the two products that one can get the most out of a complete and optimised management of one's finances.
Connecting the Online Current Account to the Deposito Account allows one to activate automatic savings services and to have the transfer of funds from deposit account to current account in real time.