In Italy, liberalization regulations have sometimes failed to achieve the objective of truly “liberating” the main user of a good or service. However, there has been some good results in the financial sector. In particular, from 2012 to today, banks can no longer oblige a “financed” potential (that is, those who request a personal or finalized loan) to open a current account as a fundamental condition for obtaining the requested amount.
With the liberalization law, the principle has been maintained that anyone must be free to choose economically advantageous conditions, thus being able to have the account with one bank and the loan with another. So not only is obtaining loans without a checking account possible today, but there is also the possibility of obtaining a personal loan directly online.
It is also possible to use the cards with Iban enabled to debit the installments. Some prepaid are in fact equipped with Iban but do not allow a real operation and therefore are limited in the payment of the rid.
The reasons why you can decide to keep the current account with the bank of which you are already a customer can be many. First of all, if there is a good relationship with your credit institution, you will hardly decide to change habits, despite the fact that today it is very easy to move your account. On the other hand, in many cases, having an account and a loan with the same bank pays off because you benefit from real discounts.
An example is had with Ing Direct, which as it has already done for the Mortgage, also for the loans it provides for the application of a discount towards those who repay the installment with their Orange Current Account. This is a fair saving, since the Tan is discounted by half a percentage point. So before discarding a priori the possibility of opening a current account with another bank it is better to do two calculations and see which side the factor “convenience” and / or savings hangs on.
Another situation concerns those who do not have a postal and / or bank account, because they cannot or do not want to have one. But even in this case, as written at the beginning, you still have the possibility to apply for a personal loan or a loan. It is in fact possible to use an account card with Iban as a tool enabled to pay the rids.
In some cases there are also forms of financing that are provided for those who have an advanced account card, in the wake of the experience initially launched by Post service in Italy with Postepay and SpecialCash. Today we find the best example with Agree Bank and its Genius Card (see also Kataweb Card), which can be used to repay the various types of financing of the Credit Express line, both for the fast type of small loan (Mini) and for those higher (such as the Dynamic type).
An alternative to the account for the repayment of the loan installments is the payment by postal bulletins: this method is less and less used also due to the excessive costs that weigh on the debtors.