How to save money with EU cross-border payments

In germano

Texto original: http://www.nds.at/knowhow/euleitfaden/payeucrossborder-e.htm

1 July 2003 is the start of the EU cross-border payments, which will enable you to make euro transfers within the EU more efficiently and at lower cost.
From this date, banks will offer you the execution of incoming and outgoing payments within the EU at the price of domestic transfers.
 

The following criteria have to be met:

– Transfer currency: euro.
– Maximum amount: EUR 12,500.
– Indication of IBAN ("International Bank AccountNumber") and BIC ("Bank Identifier Code") is obligatory.
– Cross-border payment within the 15 EU member states (Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal, Spain, Sweden, United Kingdom)
– No special instructions (e.g. "urgent").
– Shared charges: the charges of the customer’s bank always have to be borne by the customer, the charges of the recipient’s bank by the recipient. Other instructions for the payment of charges are not possible.

Important: IBAN and BIC
For the low-cost and quick execution of your crossborder payment order, you have to indicate the IBAN and the BIC.
The IBAN ("International Bank Account Number") is an internationally standardised description of the banking connection.
It includes the country code, bank and account data, as well as a check digit (for instance: AT 51 1200 0123 4567 8900).
The BIC ("Bank Identifier Code") is a bank’s identification code which is used worldwide. It is also often referred to as SWIFT code.
Your payments can only be transmitted automatically and treated as low-cost EU cross-border payments if the IBAN and the BIC are indicated.
Conversely, individuals living abroad who wish to transfer money to you, have to indicate the IBAN and the BIC of your accounts held.

Your personal IBAN and the corresponding BIC are printed in the bottom line of your account statements.

In your branch office

Please use the "International Transfer Order" form.
When filling it in, please note the points indicated.

Via TelefonBanking or OnlineBanking.

Of course you can also give an EU cross-border payment easily and conveniently by TelefonBanking.

How to give an EU cross-border payment (PANORAMA)

International Transfer Order
I/We request you to carry out the following international transfer:
Currency Amount in figures

EUR

  *1)

12.345,00

 *2)
Account number (without ’-’, ’/’) Date (DD.MM.YYYY)
 

12345678901

  *3)

23.07.2003

  
  Customer (maximum 4 x 35 characters)        
NAME  payer

 place of residence

 country of residence
NAME
STREET
ZIP,CITY
COUNTRY
Purpose of payment maximum 4 x 35 characters, for "Europa- Überweisungen" (European transfers) maximum 1 x 35 characters
 Subscription to "PANORAMA" for 2004




  *4)
Beneficiary (maximum 4 x 35 characters)
NAME  L.M.T. Delnoy-Sijstermans

 INZ. U.M.I. Nieënhof 12 8111 CA HEETEN

 Netherlands
NAME
STREET
ZIP,CITY
COUNTRY
BENEFICIARY´s BANK:
IBAN  NL 42 RABO 0146 2130 25  *5)
ACCOUNT NO   please do not fill in  
SWIFT addr./BIC code Routing Type  Routing code

RABONL 2 U

  *6)

please do not fill in
at (maximum 4 x 35 characters)
NAME   please do not fill in
NAME
STREET
ZIP,CITY
COUNTRY
BANK CHARGES: *) *7)
Domestic charges to the debit of x  customer o    beneficiary
Charges abroad to the debit of o   customer x   beneficiary
*) IF NOT INDICATED : domestic charges to be debited to the customer, charges abroad to be debited to the beneficiary.

*1) EU cross-border payments only possible in euros.

*2) Maximum amount: EUR 12,500.

*3) Payer’s account number

*4) Transmission of 1 line with a maximum of 35 characters is guaranteed

*5) IBAN of payee’s account

*6) BIC of payee’s bank

*7) Sharing charges is obligatory

How to give an EU cross-border payment (Books from the Servicio de Libros UMI)

International Transfer Order
I/We request you to carry out the following international transfer:
Currency Amount in figures

EUR

  *1)

12.345,00

 *2)
Account number (without ’-’, ’/’) Date (DD.MM.YYYY)
 

12345678901

  *3)

23.07.2003

  
  Customer (maximum 4 x 35 characters)        
NAME  payer

 place of residence

 country of residence
NAME
STREET
ZIP,CITY
COUNTRY
Purpose of payment maximum 4 x 35 characters, for "Europa- Überweisungen" (European transfers) maximum 1 x 35 characters
 4 books ordered by eMail




  *4)
Beneficiary (maximum 4 x 35 characters)
NAME  Piet Cleij

 Kometenlaan 38, 3721 JT Bilthoven

 Netherland
NAME
STREET
ZIP,CITY
COUNTRY
BENEFICIARY´s BANK:
IBAN  NL16 FTSB 0931 5693 46  *5)
ACCOUNT NO   please do not fill in  
SWIFT addr./BIC code Routing Type  Routing code

FTSBNL2R

  *6)

please do not fill in
at (maximum 4 x 35 characters)
NAME   please do not fill in
NAME
STREET
ZIP,CITY
COUNTRY
BANK CHARGES: *) *7)
Domestic charges to the debit of x  customer o    beneficiary
Charges abroad to the debit of o   customer x   beneficiary
*) IF NOT INDICATED : domestic charges to be debited to the customer, charges abroad to be debited to the beneficiary.

*1) EU cross-border payments only possible in euros.

*2) Maximum amount: EUR 12,500.

*3) Payer’s account number

*4) Transmission of 1 line with a maximum of 35 characters is guaranteed

*5) IBAN of payee’s account

*6) BIC of payee’s bank

*7) Sharing charges is obligatory

NDS AG, Linzerstr. 237 A-1140 Wien, Tel : +43-1-90180-100 Fax: +43-1-90180-9000