家里的主要账户是在ING DIRECT开设的,几年来用的还算满意。尤其是每年0欧的账户管理费,是我当年选择它,并且一直为其忠实客户的重要因素。


1,    每个账户必须至少满足以下一项条件,否则将收取5欧/月的账户管理费(60欧/年)
       *  每月活期账户余额不得少于1200欧 (强调:必须活期账户“compte courant”的余额,储蓄账户 “compte  épargne”不行)
       *或者 所有账户总余额不得少于5000欧 (未说明livret A是否计算在内)
总留1200欧在没有利息的活期账户内绝非明智之举,所以还是选择留5000欧在储蓄账户里。但livret A是否包括在内需要确认一下。如果需要交纳60欧/年的账户管理费,对我来说,这家银行的优势将荡然无存。

2,    自动扣款改由自己进行登记注册。
以前如需要每月自动交纳电费,网络费,电话费等等… …需要手工填写一份申请表交给银行,现在改为自己在网上搞定。

3,    如2个月内账户未有任何活动将被自动关户。

4,    投诉:如需投诉,流程将更加清晰。

5,    存款保险为10万欧元(所有在法国经营的银行都是这个数目)
中国的存款保险是50万人民币(6,8万欧元,2016年6月27日外汇牌价 )

6,    银行同业支付TIP业务取消,由普通转账取代。

总结,要在ING DIRECT账户中留足少于10万欧多于5000欧的存款。否则不如关户







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