Aprende a evitar tener descubiertos en cuenta bancaria

How to avoid overdrafts into account

Enter a cost you did not expect, financing is postponed several days longer than the record, and suddenly… wow! charged into account.

Your account has been kept in the red and your bank has charged you a handsome commission since you have used more cash than you had.

The ledger disclosed or found is a punishment that banks and money-related foundations charge their clients, regardless of whether they are organizations or individuals, when they have no parity in the present record.

For example, when you enter a receipt for 120 euros and only consider 90. Instead of restoring the receipt, most banks acknowledge the charge and leave the record at - 30 euros.

Little by little it is a spontaneous advance, since the bank pushes cash that is not accessible and charges at the cost of gold.

In fact, the law requires flagship money establishments to inform buyers of expiration dates, enforcement rates, penalties, or deferral costs.

As a general rule of thumb, the loan rate frequently goes somewhere in the range of 4-5% on the extent of the overdraft account. To this we must include the disclosed commission, which is usually 4%, although some banks charge substantially more.

In the same way, there may be a commission for establishing position positions, that is, a commission for informing you that it is in the red and that it can reach up to 45 euros.

How to avoid overdraft

As you can see, if you live on your money and get distracted, the prank can be quite expensive.

If you don't want to spend money, the best thing to do is avoid these discoveries, and to achieve this, you can follow the tips below:

1. Keep your checking account balance under control .

Don't get lost, especially in the last week of the month. If you are not in the habit of frequently checking your balance, you can put an alert on your mobile phone so you don't forget it.

2. Know your expenses each month.

If you use an annual budget, you will know in detail the expenses that you will have each month. This way you will not be surprised with the renewal of the car insurance or with the payment of any taxes.

3. Use applications that notify you of the status of your accounts.

An example is Fintonic , which keeps your spending history and warns you when you have to face a recurring payment, if they charge a commission you did not expect or if your account has a low balance.

4. Talk to your bank.

Some banks offer their clients a service that covers overdrafts . For example, ING has the "always covered" service that allows you to reach up to 1,000 euros of overdraft without commissions, as long as you solve the problem in two days. If you don't, you will be charged 4 euros. Other banks offer free discoveries for the amount of the payroll , others have the preferred client option ... Consult your case directly with your entity.

5. Get the money before the overdraft occurs.

If your financial situation inevitably leads to an overdraft account and you fear that you will be charged fees, you should try to get the money you lack before that overdraft occurs. One possibility is to request a payroll advance from your company.

If you do not see this feasible, you can request a quick loan of up to 300 euros.

It is enough that you return it to us within a maximum period of 30 days and we will not charge you a single penny of interest (if it is your first loan with us).

Easier and faster impossible.

Click here , fill out the form and if your loan is approved in 15 minutes, we will transfer the money to your account.