The existence of such diverse offerings is justified by the fact that not all have the same capital securities, then the choice of our account, we must ask ourselves what kind of savings we are. Choosing the most suitable bank account can be made on the basis of family needs, personal, professional, the type of services (payments, loans, and banking) and mainly related costs (management costs fixed or variable costs individual transactions, costs of ancillary services).

Some banks offer to open bank account with zero costs, some with monthly fees, and others with annual fee. There are different types of income, including:

• A monthly / annual fee to the payment is monthly / yearly through a fixed figure for spending; replacing almost all the commissions for banking services and account management licenses (may be extra charges for certain services). The current knows in advance the amount to be paid each month / year. The interest rate is low;
• No cost: Auditors also called “zero cost” or “light.” “No charge” means no fees or costs of standard, but not free. The majority of these accounts include costs for some functions, such as sending the ‘bank statement or stop the levy on ATM of other banks. The interest rate, again, is very low;
• Via the Internet, the transactions are executed by the computer at home or office, without having to visit at the bank. Compared to traditional accounts, the costs are lower;
• Family: the type of account designed to be used by more people. The advantages are related precisely to this feature: for example, may be a reduced cost for the second credit card;
• Youth: among the targets selected by the banks are wide spread current accounts and services for young people and students. For example, accounts are set aside for boys aged between 18 and 26 years (current young). The distinctive features of these accounts, which differ from the traditional target for the “adult” conditions, are particularly favorable for the management of transactions in both the credit card and ATM. Also offers additional very interesting and include, for example, subscriptions to magazines and purchase of PCs. The monthly costs are reduced, usually standard, and include a predetermined number of transactions, sometimes even unlimited.
• Many banks also extend those privileges to those who are undergraduate or post-university and have passed for some 26 years.

To assess a bank account should be checked:

• The presence of the monthly fee.

Regarding the cost side should be taken that are included or not the following services:

• The cost of sending of the statement of account;
• The costs of liquidation;
• The carnet of 10 checks;
• The local utilities;
• The operation excess.

In terms of banking services, it is good to consider these factors:

• The number of operations: limited or unlimited;
• Credit card: free or fee;
• Debit cards: free or fee;
• Prepaid card: free or fee;
• Opportunities for Internet banking;
• Deposit securities: free or fee;
• The estimated expenditure for 1 year;
• The estimated expenditure for the years ahead.