銀行間的競爭很激烈,除了路邊隨處可見的傳統銀行外,現在也有十幾家銀行推出「數位銀行」,明年還有3家「純網銀」會加入戰局,這麼多選擇,身為消費者的你,是否有機會撿到便宜呢?
只要是銀行,就必須受金管會管轄、銀行法規範,所以對貸款的審核標準都是一樣的,在儲匯上面,數位銀行則可以提供較優惠的條件,純網銀尚未正式推出,會有什麼樣的方案,讓我們一起期待。
一般銀行
八大行庫、中信、台新、國泰、富邦等等,目前共有30餘家銀行,不管是存錢、匯款、開戶、貸款、外匯、基金…等等業務,都可以在銀行辦理,承包了你所有關於金錢上的事務,也有主管機關「金管會」不定期執行金檢,確保銀行均遵照金融法規行事,沒有疏漏,如有缺失就會祭出罰款或其他處分。
數位銀行
全球數位金融趨勢一年比一年盛行,臺灣的數位銀行也在近幾年蓬勃發展,目前各大金控幾乎都推出了自己的數位銀行,比起一般銀行,數位銀行最大的優勢在於:所有動作都可以在電腦和手機上完成,不用親自跑銀行,對沒時間跑銀行,或不耐銀行長久作業時間的人來說是一大福音,但如果出現任何問題,也可以到實體銀行處理,等於有了雙重保障。
數位銀行能辦理的業務種類就比較少,大多是儲匯及貸款業務,也可以小額申購基金及換外幣,對銀行來說,數位銀行沒有額外的人事及店租成本,省下來的錢就直接回饋到客戶身上,所以存款和換外幣的利率都會比較好,深受在科技浪潮下長大的年輕族群喜愛,銀行也努力讓使用介面更簡單,希望能推廣到更多的族群。
純網銀
無實體門市,所有的交易皆透過網路和手機完成,台灣預計在2021年正式上線,首波由將來銀行、樂天銀行和LINE BANK登場,我們幫您整理了關於純網銀的背景及優劣勢,期待未來金融科技可以帶給我們更多的便利。
數位銀行列表
下列為目前台灣較常見、較大的數位銀行(依銀行筆畫排列),各有其優勢,有興趣的民眾甚至可以每家都開戶比較看看,但請注意,不要在短時間內同時開戶,金管會會認為你有洗錢嫌疑,反而不讓你開戶,畢竟台灣詐騙猖獗,一旦被認定為洗錢帳戶,終身的信用就毀了。
上海Cloud Bank%22%20transform%3D%22translate(.6%20.6)%20scale(1.1836)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%23ffd9ff%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22rotate(-147.7%20110.4%20-32)%20scale(182.44494%2028.92773)%22%2F%3E%3Cellipse%20fill%3D%22%23e6aa63%22%20cx%3D%22105%22%20cy%3D%2245%22%20rx%3D%22118%22%20ry%3D%2227%22%2F%3E%3Cellipse%20fill%3D%22%23ffd4ff%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(165.98375%20-2.3721%20.2055%2014.37917%20101.4%200)%22%2F%3E%3Cellipse%20fill%3D%22%23eab077%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-38.904%20-5.67548%201.44015%20-9.87188%20179.2%2025.4)%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 1.2%(50萬內) |
搭配信用卡 | 無 |
條件限制 | 存款超過1萬始計息 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 兌換外幣(五種幣別) |
王道O-Bank


活存優惠利率 | 一般活儲2倍 |
搭配信用卡 | 簽帳卡 |
條件限制 | 1元起息 |
申請貸款服務 | 有 |
其他服務(外幣、基金) | 基金、保險 |
台新Richart%22%20transform%3D%22translate(.6%20.6)%20scale(1.19922)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%23cfcfcf%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(104.88952%2010.2845%20-2.7781%2028.33327%20123%2049)%22%2F%3E%3Cellipse%20fill%3D%22%23fff%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(254.09359%2021.48137%20-1.65511%2019.5776%2092.6%2092.6)%22%2F%3E%3Cellipse%20fill%3D%22%23fff%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-2.3102%2023.41285%20-253.76763%20-25.03975%20118%200)%22%2F%3E%3Cellipse%20fill%3D%22%23fff%22%20cx%3D%22246%22%20cy%3D%2238%22%20rx%3D%2227%22%20ry%3D%22255%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 最高1% |
搭配信用卡 | @GOGO、FLY GO |
條件限制 | 每月轉入2萬元or VISA卡消費兩次 |
申請貸款服務 | 有 |
其他服務(外幣、基金) | 基金、保險 |
台企銀 數位存款帳戶%22%20transform%3D%22translate(.6%20.6)%20scale(1.19531)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%23ffb22a%22%20cx%3D%2225%22%20cy%3D%2213%22%20rx%3D%2248%22%20ry%3D%22232%22%2F%3E%3Cellipse%20fill%3D%22%23000621%22%20cx%3D%22182%22%20cy%3D%2232%22%20rx%3D%2289%22%20ry%3D%22231%22%2F%3E%3Cellipse%20fill%3D%22%23ff8525%22%20cx%3D%2227%22%20cy%3D%2214%22%20rx%3D%2233%22%20ry%3D%22189%22%2F%3E%3Cellipse%20fill%3D%22%23ff923a%22%20cx%3D%2216%22%20cy%3D%2221%22%20rx%3D%2224%22%20ry%3D%22147%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 1.15%(10萬內) |
搭配信用卡 | 無 |
條件限制 | 存款超過1萬始計息,需授權代扣繳本行信用卡、自來水費、台電電費、中華電信電信費、健保費)五項中任一項 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 無 |
永豐DAWHO 


活存優惠利率 | 1.1%(50萬內) |
搭配信用卡 | 現金回饋信用卡 |
條件限制 | 戶頭超過10萬始有1.1%,10萬以下0.45% |
申請貸款服務 | 有 |
其他服務(外幣、基金) | 基金、外幣 |
合庫 數位帳戶%22%20transform%3D%22translate(.7%20.7)%20scale(1.3086)%22%20fill%3D%22%23fff%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22rotate(-6%20123%20-2339.1)%20scale(51.83386%2018.15423)%22%2F%3E%3Cpath%20d%3D%22M66.5%2011.5v-15h53v15z%22%2F%3E%3Cellipse%20cx%3D%22242%22%20rx%3D%2247%22%20ry%3D%2218%22%2F%3E%3Cpath%20d%3D%22M122.7%2011l-53%201-.4-23%2053-1z%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 1.2%(12萬內) |
搭配信用卡 | 無 |
條件限制 | 無 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 無 |
兆豐MegaLite 


活存優惠利率 | 1.2%(10萬內) |
搭配信用卡 | 無 |
條件限制 | 100元以上始計息 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 外幣、基金 |
第一iLeo %22%20transform%3D%22translate(.7%20.7)%20scale(1.33594)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%239a985f%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(35.72764%20.3289%20-.84481%2091.7677%2016.5%2021.5)%22%2F%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22rotate(1.4%20-2885.1%208389.8)%20scale(146.39783%2020.5884)%22%2F%3E%3Cellipse%20cx%3D%22170%22%20cy%3D%225%22%20rx%3D%22132%22%20ry%3D%228%22%2F%3E%3Cellipse%20fill%3D%22%23a0af4a%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(.53674%20-32.47703%2013.56787%20.22423%205.2%209)%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 1.2%(12萬內) |
搭配信用卡 | iLeo |
條件限制 | 無 |
申請貸款服務 | 有 |
其他服務(外幣、基金) | 基金、外匯 |
國泰KOKO %27%20fill-opacity%3D%27.5%27%3E%3Cellipse%20fill%3D%22%23e71a7a%22%20fill-opacity%3D%22.5%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-47.65567%203.59336%20-4.82594%20-64.00232%2063.8%2066.8)%22%2F%3E%3Cellipse%20fill%3D%22%23e4ff9d%22%20fill-opacity%3D%22.5%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(5.05215%20192.93386%20-41.24783%201.08011%20161%2092.5)%22%2F%3E%3Cellipse%20fill%3D%22%23fff%22%20fill-opacity%3D%22.5%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-5.41465%20-25.43223%2067.45838%20-14.36222%20160.8%20117.1)%22%2F%3E%3Cellipse%20fill%3D%22%23d1ec4d%22%20fill-opacity%3D%22.5%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(30.9333%2031.30753%20-29.26362%2028.91382%20142.7%2048)%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 無優惠 |
搭配信用卡 | KOKO |
條件限制 | 無 |
申請貸款服務 | 有 |
其他服務(外幣、基金) | 外匯、保險 |
華南SNY 


活存優惠利率 | 最高2.5% |
搭配信用卡 | I網購生活卡 |
條件限制 | 存款5萬內牌告利率,5-10萬使用帳戶完成一筆交易2%,額外完成基金扣款始有2.5% |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 保險、外匯、基金 |
渣打 心幸福%22%20transform%3D%22translate(.6%20.6)%20scale(1.29297)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%23fff%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(56.47428%20163.08798%20-53.35636%2018.4763%2045.1%2051.2)%22%2F%3E%3Cpath%20fill%3D%22%23d7d7d7%22%20d%3D%22M245-5l23%2089L9%2027z%22%2F%3E%3Cellipse%20fill%3D%22%23fff%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-1.41235%20-11.2828%20103.2206%20-12.92085%2098.9%201)%22%2F%3E%3Cellipse%20fill%3D%22%23fff%22%20cx%3D%2229%22%20cy%3D%2256%22%20rx%3D%2283%22%20ry%3D%2217%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 最高1.15% |
搭配信用卡 | VISA金融卡 |
條件限制 | 15萬內0.55%,100萬以上0.95%,200萬以上1.15%(詳細分級請見渣打銀行網站) |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 無 |
新光 優利活儲%22%20transform%3D%22translate(.5%20.5)%20scale(1.07031)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%23ffff97%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-3.47763%20112.8921%20-37.78304%20-1.1639%2015.3%2044.4)%22%2F%3E%3Cellipse%20fill%3D%22%23000c50%22%20cx%3D%22181%22%20cy%3D%2240%22%20rx%3D%2285%22%20ry%3D%22255%22%2F%3E%3Cellipse%20fill%3D%22%23ffd293%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-.55475%20105.94804%20-22.77888%20-.11927%20-.1%2042.1)%22%2F%3E%3Cellipse%20fill%3D%22%237c686e%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(.3229%20-92.50412%2015.7399%20.05494%2052.6%2048.2)%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 最高1.85% |
搭配信用卡 | 世界卡or寰宇現金回饋卡 |
條件限制 | 帳戶綁定指定電子支付且交易,並透過ACH轉入2萬以上 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 基金 |
彰銀e財寶%22%20transform%3D%22translate(.5%20.5)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(.12947%20-21.43743%2031.32425%20.18919%20218%203)%22%2F%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22rotate(-165.8%205%20-.6)%20scale(30.43589%2021.14812)%22%2F%3E%3Cpath%20d%3D%22M-15%20131.6l-3-40.9%2033-2.3%202.8%2040.9z%22%2F%3E%3Cellipse%20fill%3D%22%23ece7e8%22%20cx%3D%2295%22%20cy%3D%22110%22%20rx%3D%2251%22%20ry%3D%2251%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 1.1%(10萬內) |
搭配信用卡 | 無 |
條件限制 | 無 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 外匯、基金 |
遠東Bankee %22%20transform%3D%22translate(.6%20.6)%20scale(1.22656)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20fill%3D%22%23a8ff26%22%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-51.75162%20-2.06074%205.2976%20-133.03913%20220.4%2069)%22%2F%3E%3Cellipse%20fill%3D%22%23532bb3%22%20cx%3D%2225%22%20cy%3D%2236%22%20rx%3D%22125%22%20ry%3D%22255%22%2F%3E%3Cpath%20fill%3D%22%2308002b%22%20d%3D%22M14.7-11.4l12.2%2087.2-39.6%205.6-12.2-87.2z%22%2F%3E%3Cellipse%20fill%3D%22%2398ff4b%22%20cx%3D%22230%22%20cy%3D%2234%22%20rx%3D%2229%22%20ry%3D%22157%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 最高2.6%(5萬內) |
搭配信用卡 | Bankee(海神卡) |
條件限制 | 邀請兩位好友開戶 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 無 |
聯邦NEW NEW BANK %22%20transform%3D%22translate(.6%20.6)%20scale(1.1836)%22%20fill-opacity%3D%22.5%22%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22rotate(176.9%20101%202.7)%20scale(66.16896%2013.71705)%22%2F%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-25.43424%208.1171%20-4.17226%20-13.07341%2076.4%20.1)%22%2F%3E%3Cellipse%20fill%3D%22%2357e6fc%22%20cx%3D%22152%22%20cy%3D%2261%22%20rx%3D%22255%22%20ry%3D%2215%22%2F%3E%3Cellipse%20rx%3D%221%22%20ry%3D%221%22%20transform%3D%22matrix(-81.49363%20.80787%20-.07026%20-7.08706%20211.2%202)%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E)


活存優惠利率 | 最高2%(10萬內) |
搭配信用卡 | 無 |
條件限制 | 無 |
申請貸款服務 | 無 |
其他服務(外幣、基金) | 外匯 |