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Conto Corrente Semplice

Nell’ambito della semplificazione dei contratti bancari, entrerà in vigore a breve la nuova norma che regola il cosiddetto Conto Corrente Semplice, che permetterà a chi lo desidera di possedere un conto bancario molto semplificato, con certe operazione possibili durante il corso di un anno, previo pagamento di una sorta di abbonamento.

Le novità previste nel provvedimento del 27 novembre scorso, in corso di pubblicazione sulla Gazzetta Ufficiale, sono varie e le vediamo qui di seguito.

Vengono introdotti incassi di bonifici, operazioni pago bancomat ed operazioni di addebiti sul conto corrente, oltre che prelievi al bancomat del proprio istituto di credito in numero illimitato. Sono possibili 12 operazioni annuali di versamento di contante o di assegni sul proprio conto in un anno.

Viene definito canone forfettario quello che andranno a pagare i clienti che sceglieranno questo tipo di conto, destinato in sostanza ad una clientela di base, che non ha richieste specifiche.

Ovviamente possono essere effettuate anche operazioni al di fuori di quelle previste dall’abbonamento, che però dovranno essere pagate extra come ovvio che sia.

Per le banche il compito sarà quello di comunicare alla Banca d’Italia l’intenzione di aderire al Conto Corrente Semplice, e sarà poi l’istituto centrale a pubblicare online una lista di banche che hanno aderito all’iniziativa.