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Advantages of online banking Convenience is one of the major advantages of online banking. It allows you to perform almost any banking transaction at any time, 24 hours a day, 7 days a week. Not only can you handle your day-to-day account management activities, you can also communicate with your account manager or open new accounts including savings accounts and pension funds. Another major advantage is that you can do all of this while paying smaller or no transaction fees, due to the reduced overhead and other costs for the bank if there are fewer or no physical branches to be maintained. Some banks have gone one step further and declared themselves to be branchless or internet-only institutions.

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