Do you have a basic account or a full-top account?
The point is to think about your needs and make the best choice.
The Financial Service Authority (FSA) alerts million of bank costumers who pay up to £ 300 a year for packaged accounts to review the benefits. The City watchdog is telling us to suspect of attractive and full-option benefits, because maybe they are not worthwhile.
According to "The Sunday Times" High Banks push and try to sell fee-charging current accounts to customers, just to make money. The average cost is raised by 32% in the past four years: from £ 11.80 a month in 2007 to £ 15.44 today,according to Defaqto. It is a lot in economic-crisis time. Why do the Banks use this aggressive selling?
The guilty is not the bank but us.
Royal Bank of Scotland, according a recent survey by Moneysupermarket, with a £12.95 fee a month offer you a multi-trip insurance, commission-free travel money, mobile phone insurance, identity theft protection and home emergency cover. Wow...a lot of perks just with £ 155.4 a year. Can be a great deal if do you use all of the benefits lots of times.
The question that come in my mind is if you really need them or is just a unconscious form to feel more covered. It seems when you are in a supermarket, in a big supermarket, like Salisbury or better Waitrose. You see many beautiful and tasty foods and you would like to buy everything. In the most of cases you buy more than you need, just because maybe you can need it. You feel better to get more and unused things, and it is a very human and unutterable sensation.
At the end your Basket is full of things, most of then unused. And you had payed for them.
So just pay attention on your need and manage them better. If we want a save our economy the best way is start with individual actions to save money and use them when you really need or invest them in something productive.
Every time remember if it is worthwhile.
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