SEPA Single Euro Payments Area
|
|
- Blanche Burns
- 6 years ago
- Views:
Transcription
1 SEPA Single Euro Payments Area your guide to: Terms and Conditions for Incoming Payments Definitions Our Obligations as a Bank Our Fees and Charges
2 Terms and Conditions for Incoming Payments Single Euro Payments Area (SEPA) Credit Transfer Scheme ( the Scheme ) Terms and Conditions for Incoming Payments: The Scheme is applicable to Credit Transfers ( SEPA Credit Transfers ) made in Euro between Accounts located in the European Economic Area ( EEA ), which comprises all European Union (EU) member states together with Iceland, Norway and Liechtenstein, as well as San Marino, Switzerland and Monaco (together the SEPA countries ). The following Terms and Conditions shall apply to Incoming SEPA Credit Transfers, that is, those Credit Transfers in relation to which we have been instructed, by another bank, to credit your Account. All other terms capitalised and not defined herein shall have the meaning given to them in the SEPA Credit Transfer Scheme Rulebook ( the Rulebook ). These Terms and Conditions apply in addition to the Information Guide published by the Bank in accordance with the Bank s obligations under the Central Bank of Malta Directive No.1 on the Provision and Use of Payment Services (the Directive ). This directive can be accessed from I. Definitions Acceptance Date The date of fulfilment by the Originator of all conditions required by the Originator Bank as to the execution of a SEPA Credit Transfer including but not limited to (a) the satisfaction of all regulatory and legal obligations, (b) cut off times, (c) to the availability of adequate financial cover of the Account and (d) to the availability of the information required to execute the instruction. Bank Identifier Code (BIC) An 8 or 11 character code used to identify a financial institution in financial transactions. Banking Business Day A day between Monday and Friday which is not a national Bank Holiday or a Public Holiday in either Malta and/or the country of the Originator Bank. Beneficiary Bank A Bank which is a Participant in the Scheme, and which receives the Credit Transfer Instruction from the Originating Bank, and credits the Account of the Beneficiary, according to the information provided in the Credit Transfer Instruction and in accordance with the provisions of the Scheme as set out in the Rulebook. For the purposes of these Terms and Conditions the Beneficiary Bank is Bank of Valletta p.l.c. Beneficiary The natural, legal or other entity or body identified in the Credit Transfer Instruction who receives the funds by means of a credit to an Account it holds with the Beneficiary Bank. For the purposes of these Terms and Conditions it is understood that you are the Beneficiary. Charging Instructions SHA - All transaction charges other than the charges of the financial institution servicing the ordering customer account are borne by the beneficiary customer. Credit Transfer Instruction An instruction given by the Originator to his Bank requesting the execution of a SEPA Credit Transfer. The instruction must be in the form and containing all information as requested by us, in accordance with the provisions of the Rulebook, including, but not limited to, the Originator s and the Beneficiary s IBAN and BIC, the amount of the SEPA Credit Transfer in Euros and customer reference, if applicable. Credit Transfer Scheme Rulebook The Rulebook which can be accessed from is issued by the European Payments Council (EPC) in relation to the Scheme. The Rulebook is amended from time to time. Cut-off time The time by which an Originator must supply the Originator Bank with all necessary information and evidence required by the Originator Bank, and must fulfil all requirements set by the Originator Bank in order for the Credit Transfer Instruction to be deemed to have been accepted by the Originator Bank on that Day ( The Acceptance Date ). Page 2 of 5
3 Execution Date This date corresponds with the debit date requested by the Originator. If the requested date is not a Banking Business Day, we will execute the payment order on our first following Banking Business Day, at the latest. Execution Time The number of days elapsing from the Acceptance Date until the date when your Account is credited. Interbank Settlement Settlement of accounts between Originator Bank and us, through the Use of Clearing and Settlement Mechanisms or Intermediaries as same are defined in the Rulebook. International Bank Account Number (IBAN) A number used internationally to uniquely identify the account of a Customer at a financial institution. Non STP If the payment received requires manual intervention on the part of the Bank e.g. where the Bank has been provided with an invalid BIC/IBAN and/or routing number, this is considered as a Non-Straight Through Processing payment. Originator The customer who initiates a SEPA Credit Transfer by providing the Originator Bank, with an instruction. The funds for a SEPA Credit Transfer must be made available by means of a debit from a specified Account which the Originator holds with the Originator Bank. Originator Bank A Bank which is a Participant in the Scheme, and which receives the Credit Transfer Instruction from the Originator and acts on the Credit Transfer Instruction by making the payment to the Beneficiary Bank in favour of the Beneficiary s Account according to the information provided in the Credit Transfer Instruction and in accordance with the provisions of the Scheme. Reject A Reject occurs when a Credit Transfer is not accepted for normal execution before Interbank Settlement i.e. settlement between the Originator Bank and us. Return A Return occurs when a Credit Transfer is diverted from normal execution after Interbank Settlement. II: For all Credit Transfers under the Scheme: The Originator shall provide the Originator Bank with all necessary information for the Credit Transfer Instruction, as described in the Rulebook (e.g. the amount in euro, the Originator s and your International Bank Account Number (IBAN) and Bank Identifier Code (BIC), etc.). III. Thereafter the Originator Bank shall: 1) Provide us with all information specified in the Rulebook (e.g. your name and IBAN, amount in euro, etc.). 2) Transmit to us any remittance data provided by the Originator. 3) Identify the transfer to us as a SEPA Credit Transfer. 4) Treat any transfer instruction not fulfilling the requirements of the Rulebook outside the Scheme or decline to process the instruction. 5) Ensure the authenticity and validity of the Originator s instructions. 6) Validate each transfer instruction (which includes checking your IBAN and our Bank Identification Code (BIC)) and accept or reject it accordingly. 7) Following acceptance of the instruction, debit the account of the Originator and route the transfer to us, in order to credit your account identified in the Credit Transfer Instruction. 8) The Originator Bank or any Intermediary Bank or Clearing and Settlement Mechanism may reject a Credit Transfer Instruction, for any of the reasons stated in the Rulebook, including, without prejudice to the generality of the above, that the Operation/Transaction code is incorrect, that the Bank Identifier or the Account Identifier are incorrect (i.e. invalid BIC or invalid IBAN), that the payment was received after cut off time, or for any regulatory reason. 9) In the event of a dispute, provide you with an explanation as to how a Credit Transfer Instruction has been processed. Page 3 of 5
4 Our obligations to you as your Bank and your rights are: 1) Once a Credit Transfer Instruction has been received by us and where all legal requirements (including, without prejudice to the generality of the above, verifications in view of risks of money laundering and terrorist financing) have, in our opinion, been fulfilled, your account will be credited, and the amount of the SEPA Credit Transfer made available to you, within one (1) Banking Business Day. Where in our reasonable opinion legal constraints exist, all steps necessary for compliance with our legal and regulatory obligations shall be taken thus barring or delaying execution. Execution of a payment instruction may also be delayed if we become aware of a discrepancy between your IBAN and the beneficiary name provided by the Originator or for a similar valid reason. Moreover, should the Originator Bank choose to repair and resend the Credit Transfer Instruction to us, according to the Rulebook, such repaired Credit Transfer Instruction shall be deemed to be a new Credit Transfer Instruction, and the point in time of receipt for the purposes of this Article shall be deemed to be when the new Credit Transfer Instruction is initiated. 2) Subject to 1 above and 3 below, we shall credit your account with the full amount stated in the Credit Transfer Instruction. Thereafter, your account will be charged in accordance with our Tariff of Charges. 3) We may return a Credit Transfer Instruction prior to execution for any of the reasons stated in the Rulebook, including without prejudice to the generality of the above that your account identifier is invalid (i.e. invalid IBAN or non-existent account), that your account is closed, that the Credit Transfer to the type of account held by you is forbidden, that your account is blocked for any reason or for any other valid reason. 4) All transactions must be in Euro in all process stages. When payments to your Account are in a currency which is different from that of the Account, the Bank will apply the Bank s standard official spot buying or selling rate at the time the payment is processed by the Bank. The exchange rates quoted on the Bank s website on the Bank s 24x7 Internet Banking, by the Bank s Customer Service Centre on Tel or by the Bank s branches are indicative and for information purposes only. The actual exchange rates, which will be applied by the Bank to any transaction, may differ from the rates as quoted and may change from time to time. Changes in the exchange rates are applied immediately and without notice. The Bank reserves the right to suspend all or any functionality which requires the use of an exchange rate if there are valid reasons for doing so, including but not limited to during a volatile market. 5) We will not be responsible to you and we will not be liable for losses or costs which you may suffer (including consequential losses such as loss of business) if we fail to comply with any of our obligations in respect of a Credit Transfer Instruction due to: i. unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data processing failures; or ii. due to our obligations to comply with any applicable law or regulations. After crediting the Account with an amount received, the Bank will deduct any charges due to the Bank or to any intermediary bank or sending bank (if applicable) in terms of the Tariff of Charges. In such a case, the full amount of the transaction and the charges shall be separated in the information given to the Account holder. In the event that the Bank credits the Account before the funds are received from the intermediary bank or sending bank and no funds are received from the intermediary bank or sending bank for any reason whatsoever, the Account holder shall, on the Bank's request, return to the Bank the amount credited to the Account together with any charges in terms of the Tariff of Charges and without loss of exchange, where applicable. The Bank shall be entitled to debit the Account or any other account held with the Bank in the name of the Account holder with such amount, whether in whole or in part, together with any charges in terms of the Tariff of Charges and without loss of exchange, where applicable. 6) The present Terms and Conditions shall bind us, our successors and assigns as well as you, your successors and assigns. The masculine gender shall include the feminine and neutral. 7) These Terms and Conditions will be governed by the laws of Malta and any dispute shall be subject to the non-exclusive jurisdiction of the Courts of Justice of Malta. Unless otherwise agreed with you, the English language will be used for the purpose of interpreting these Terms and Conditions and for all communications in connection with these Terms and Conditions. 8) Any complaints regarding the product or service should ideally be first discussed with an official of the Unit where the transaction took place or where the account is domiciled. If the response is not satisfactory, one may: contact the Bank s Customer Service Centre on ; or write to The Manager, Customer Issues, Bank of Valletta p.l.c. 4 th Floor, 45 Triq ir-repubblika, Il-Belt Valletta, VLT Malta; or complete a Bank s complaint form available in electronic format on our website via Get in Touch. In the event that you are still not satisfied with the Bank s reply or no agreement was reached with the Bank, you may refer the matter in writing to the Office of the Arbiter for Financial Services, as per the contact details provided below: The Office of the Arbiter for Financial Services, First Floor, Pjazza San Kalcidonju, Floriana FRN 1530, Malta. Further information may be obtained through the official website: Freephone (local calls): and Telephone: ) These Terms and Conditions shall apply in addition to any other Terms and Conditions which may regulate your Account. Page 4 of 5
5 Our Fees and Charges Inward Credit Transfers Payments in EURO up to 10,000 FREE Payments in EURO over 10,000 4 Additional Fees Non-STP 1-20 Cancellations / Rejects 20 Electronic Notification 1.16 Disposal instructions 30 1 Non-STP if the payment you receive requires manual intervention on the part of the Bank and is therefore considered as being a Non-Straight Through Processing payment e.g. where you do not provide the Bank with the correct BIC, IBAN and/or routing number (as and if applicable). BOV Payments - SEPA Credit Transfer Scheme for Incoming Payments Page 5 of 5
SEPA Single Euro Payments Area
SEPA Single Euro Payments Area Credit Transfer Scheme for Outgoing Payments your guide to: Terms and Conditions for Outgoing Payments Our Fees and Charges Terms and Conditions for Outgoing Payments Single
BOV Term ISA. your guide to: General Product Information. The Benefits. Your Checklist. Your Ongoing Responsibility.
your guide to: General Product Information The Benefits Your Checklist Your Ongoing Responsibility Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use
BOV Term Deposit Account
BOV Term Deposit Account ( and FC) your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions
BOV Reserve Cheque Account
your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General Product Information
BOV Boat & Yacht Finance
BOV Boat & Yacht Finance your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use
BOV Bank Guarantees. your guide to: General Product Information. Frequently Asked Questions. Your Checklist. Your Next Step. Important Information
your guide to: General Product Information Frequently Asked Questions Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Important Information relating to the issuance
BOV Graduates Package
your guide to: General Product Information The Benefits Your Checklist Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General Product Information The BOV Graduates
BOV Personal Loan. your guide to: General Product Information. The Benefits. Your Checklist. Your Next Step. Important Information. Our Interest Rates
BOV Personal Loan your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General
BOV Motor Loan. your guide to: General Product Information. The Benefits. Your Checklist. Your Next Step. Important Information. Our Interest Rates
BOV Motor Loan your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General Product
BOV Young Savers Account product code 28801
product code 28801 your guide to: General Product Information The Benefits Your Checklist Your Ongoing Responsibility Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms
Guaranteed Over 50s Plan. Key Features Document
Important Information Bank of Valletta p.l.c. is an enrolled tied insurance intermediary of MAPFRE MSV Life p.l.c. MAPFRE MSV Life p.l.c. is authorised by the Malta Financial Services Authority to carry
BOV Letters of Credit
your guide to: General Product Information Our Services The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Important Information relating to the undertaking
BOV Eco Personal Loan
BOV Eco Personal Loan your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General
BOV Cashlink. your guide to: General Product Information. The Benefits. Your Checklist. Your Next Step. Important Information. Our Interest Rates
your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General Product Information
Single Premium Plan. Key Features Document
Key Features Document Important Information Bank of Valletta p.l.c. is an enrolled tied insurance intermediary of MAPFRE MSV Life p.l.c. MAPFRE MSV Life p.l.c. is authorised by the Malta Financial Services
Investment Bond. Key Features Document
Key Features Document Important Information Bank of Valletta p.l.c. is an enrolled tied insurance intermediary of MAPFRE MSV Life p.l.c. MAPFRE MSV Life p.l.c. is authorised by the Malta Financial Services
The Bank is supervised by the Central Bank of Cyprus which has its offices on 80, Kennedy Avenue, 1076 Nicosia, Cyprus.
AGREEMENT FOR THE PROVISION OF PAYMENT SERVICES OF NATIONAL BANK OF GREECE (CYPRUS) LIMITED ------------------------------------------------------------------------------------------------------------
Flexi Plan. Key Features Document
Key Features Document Important Information Bank of Valletta p.l.c. is an enrolled tied insurance intermediary of MAPFRE MSV Life p.l.c. MAPFRE MSV Life p.l.c. is authorised by the Malta Financial Services
CONDITIONS OF USE. Parties to the Agreement
CONDITIONS OF USE Parties to the Agreement Bank of Valletta p.l.c. Registration Number: C 2833 Registered Office: 58, Triq San Żakkarija,Il-Belt Valletta VLT 1130 - MALTA Applicant s Name Address ( the
BOV Visa Classic Card & BOV MasterCard
BOV Visa Classic Card & BOV MasterCard your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions
BOV 24x7 Services - Important Information and Terms and Conditions of Use
BOV 24x7 Services - Important Information and Terms and Conditions of Use BOV 24x7 Services This Important Information and these Terms and Conditions of Use relate to how you use our Alternative Delivery
BOV Visa Platinum Card
your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General Product Information
Furthermore, if you use your Card for purchases both locally and abroad, you are automatically covered for 90 days from date of purchase.
your guide to: General Product Information The Benefits Your Checklist Your Next Step Important Information Our Interest Rates Our Fees and Charges Terms and Conditions of Use General Product Information
1. Scope. 2. Conditions
Recommendation regarding on the one hand information to customers pursuant to the law (1999:268) on credit transfers (payments) to and from other states within the EEA and on the other hand the EC regulation
OP CORPORATE BANK PLC ESTONIAN BRANCH. PRICE LIST for corporate customers and sole proprietors. Effective from 1 February 2018, prices in euros
OP CORPORATE BANK PLC ESTONIAN BRANCH PRICE LIST for corporate customers and sole proprietors Effective from 1 February 2018, prices in euros Accounts [More] Payments [More] Internet bank [More] Sweeping
Commercial Banking Payment Account List of Conditions Part II.
Commercial Banking Payment Account List of Conditions Part II. Effective from 27 th of May 2013 I. General Conditions This List of Conditions is an inseparable part of the General Business Conditions of
Terms of settlement. Contents. Valid as of
Valid as of 01.12.2016 Contents Definitions 2 General provisions 2 Applicable conditions 2 Identification of account and bank 2 Submitting data 3 Commission fee 3 Rights and obligations of SEB 3 Term of
Payment Services Conditions
Payment Services Conditions The terms and conditions set out in the following section will apply to your Agreement with the Bank if you use or apply to use the Payment Services. Definitions In this section
(Cut-off times represented in this present Condition List are all Central-European times (CET)).
Corporate Payment Account List of Conditions Part II. Effective from 1 st of December 2013 General Conditions This List of Conditions is an inseparable part of the General Business Conditions and the General
General terms and conditions governing payment services
General terms and conditions governing payment services Valid from 1 December 2018 Note: Although for purposes of readability the masculine gender form is used to reference persons in the relevant sections,
1 st January Special Regulations for Payment Transactions
Special Regulations for Payment Transactions 1 Table of Contents I. General principles 3 Article 1 - Purpose 3 Article 2 - Scope - Exclusions 3 Article 3 - Definitions 4 Article 4 - Description of essential
Nordea's general terms and conditions for 1 (6) outgoing and incoming currency payments
Nordea's general terms and conditions for 1 (6) If there are differences between the different language versions of these terms and conditions, the Finnish version will have precedence. 1. Scope of application
GENERAL TERMS AND CONDITIONS FOR OUTGOING AND INCOMING NON-EURO-DENOMINATED PAYMENTS
GENERAL TERMS AND CONDITIONS FOR OUTGOING AND INCOMING NON-EURO-DENOMINATED PAYMENTS 1.2.2014 1 (5) If there is any inconsistency between the different language versions, the Finnish terms and conditions
2.2. Eligibility for the Service. The Client understands and agrees that in order to be able to use the Service:
SATABANK SEPA DIRECT DEBIT CREDITOR SERVICE Effective as of: 15 th June 2017 This Schedule applies to SEPA Direct Debit payments, which the Client of Satabank makes in the capacity of Creditor (payee)
Single Euro Payments Area 2
SEPA direct debit The SEPA 1 direct debit is a local payment instrument for the entire EU and EEA plus Switzerland and Monaco. It represents a significant development from the current diversity of national
Tariff Sheet for: Banking Services
Tariff Sheet for: Banking Services as per General Terms and Conditions for Banking Services NAME OF APPLICANT / CUSTOMER DATE Page 1 of 10 Contents Introduction... 3 Payment Services and related infrastructure
List of Prices and Services
Prices for services in standardized business transactions, in the provision of payment services and in check transactions with corporate customers, unless specified in the price list or other postings
(Cut-off times represented in this present Condition List are all Central-European times (CET)).
Corporate Payment Account List of Conditions Part II. Effective from 15 th of April 2014 General Conditions This List of Conditions is an inseparable part of the General Business Conditions and the General
The Evolving European Regulatory Landscape
Global Banking Symposium 2006 The Evolving European Regulatory Landscape Thomas J. Matich June 6 th 2006 Mass Payments Global Banking Symposium 2006 The evolving European regulatory landscape The introduction
PAYMENT SERVICES TERMS AND CONDITIONS INDIVIDUALS
PAYMENT SERVICES TERMS AND CONDITIONS INDIVIDUALS This is a translation of the original Greek text. This translation is provided for information purposes only. The original Greek text shall prevail in
LENDING FACILITIES Hire Purchase (HP) 1% % on a case by case basis (fee set by AgriFinance Ltd)
Our Charges This brochure gives a brief description of tariffs as charged by AgriBank plc on some of its products and services. For tariffs on products or services which are not listed in this brochure,
Special Regulations for Payment Transactions
Special Regulations for Payment Transactions 01/01/2016 I. General principles Article 1 - Purpose 1.1. These Special Regulations for Payment Transactions (hereafter the Special Regulations ) define the
TERMS AND CONDITIONS APPLICABLE TO CREDIT INSTITUTIONS
ERSTE BANK HUNGARY ZRT TERMS AND CONDITIONS APPLICABLE TO CREDIT INSTITUTIONS Effective from: 01 October, 2018 1. General Provisions 1.1. These Terms and Conditions (hereinafter TC ) apply to all correspondent
Commercial Banking List of Conditions Part II.
Commercial Banking List of Conditions Part II. Effective from 13 th of January 2018 I. General Conditions This List of Conditions is an inseparable part of the General Business Conditions of Corporate
Customer Accounts Personal Through 24X7 Credit Transfers between accounts Free of Charge Free of Charge Ledger Fees
Our Charges This brochure gives a brief description of tariffs as charged by Bank of Valletta p.l.c. on some of its products and services. For tariffs on products or services which are not listed in this
General Conditions. Corporate
Mizuho Bank, Ltd. Paris Branch General Conditions Corporate (As of 15 th September 2017) This English translation is for information purpose only. The French version is the only contractual document Table
Terms and Conditions
Terms and Conditions 365 Phone and Digital Banking Effective from 20th August 2014 1.0 Definitions of Terms used in this Document 3 2.0 Accounts 4 3.0 Policies 4 4.0 SEPA Transfers 4 5.0 Security and Authentication
STANDARD GENERAL TERMS AND CONDITIONS APPLIED IN FINLAND TO OUTGOING AND INCOMING NON-EURO PAYMENTS
STANDARD GENERAL TERMS AND CONDITIONS APPLIED IN FINLAND TO OUTGOING AND INCOMING NON-EURO PAYMENTS 1. Scope of application Unless otherwise agreed, these general terms and conditions are applied - to
LENDING FACILITIES Hire Purchase (HP) 1% % on a case by case basis (fee set by AgriFinance Ltd)
Our Charges This brochure gives a brief description of tariffs as charged by AgriBank plc on some of its products and services. For tariffs on products or services which are not listed in this brochure,
Tariff Sheet for: Banking Services
Tariff Sheet for: Banking Services As per General Terms and Conditions for Banking Services NAME OF APPLICANT / CUSTOMER DATE Page 1 of 10 Contents Introduction... 3 Payment Services and related infrastructure
General Tariff for Fusion Customers Issue Date: August 2018
General Tariff for Fusion Customers Issue Date: August 2018 Tariff applies on accounts, facilities, services and transactions used/made for business purposes only. 2 Issue Date: August 2018 Contents General
SEPA CREDIT TRANSFER SCHEME RULEBOOK
Doc: EPC125-05 24 June 2008 (Version 3.2 Approved) EPC SEPA CREDIT TRANSFER SCHEME RULEBOOK Abstract Document Reference Issue This document defines the EPC SEPA Credit Transfer Scheme Rulebook. EPC125-05
New Relationship Service Fee - 20 EUR (one-time) Relationship Maintenance Fee - 20 EUR (yearly) Business Accounts
General Tariff of Charges Tariff effective as of November 3, 2016 Account Service Fees Personal Accounts Sata Personal Accounts /TRY/GBP/JPY/CHF/USD/BGN/PLN/HRK/RON New Relationship Service Fee - 20 (one-time)
Terms and Conditions. Retail Customers. Industrial and Commercial Bank of China (Europe) S.A. Amsterdam Branch
Terms and Conditions Retail Customers Industrial and Commercial Bank of China (Europe) S.A. Amsterdam Branch V e r s i o n 1 3-0 4-2 0 1 5 1 Table of Contents PAYMENT SERVICES CONDITIONS 3 SAVING ACCOUNT
PRELIMINARY INCOME TAX DIRECT DEBIT GUIDELINES
PRELIMINARY INCOME TAX DIRECT DEBIT GUIDELINES This document was last updated June 2017 Contents 1. Scope...3 2. Purpose...3 3. Introduction...3 4. SEPA Monthly Direct Debit Scheme...4 5. Summary...5 6.
Terms and Conditions for Payment Services of Zürcher Kantonalbank (2013 edition)
Terms and Conditions for Payment Services of Zürcher Kantonalbank (2013 edition) A General provisions B Payment order 1 Scope of application 3 Information required in the payment order 1.1 The following
Private Banking Currency Account. Terms and Conditions Personal Currency Account Individuals. Non-personal Currency Account PRIVATE BANKING
PRIVATE BANKING Private Banking Currency Account Terms and Conditions Personal Currency Account Individuals Non-personal Currency Account Sole Traders, Partnerships, Executors and Administrators, Trusts
Relationship Maintenance Fee - 1 EUR (monthly) Business Accounts
Tariff of charges Tariff effective as of August 17, 2017 PDF Account Service Fees Personal Accounts Sata Personal Accounts EUR/TRY/GBP/JPY/CHF/USD/BGN/PLN/HRK/RON New Relationship Service Fee - free of
365 Phone and Digital Banking Terms and Conditions
365 Phone and Digital Banking Terms and Conditions Republic of Ireland Effective from 13 January 2018 147 - T&Cs only brochure Digital - 11696 V8.indd 1 09/11/2017 365 Phone and Digital Banking Terms and
SEPA INSTANT CRED IT TRANSFER (SCT INST) SCHEME RULEBOOK
EPC 004-16 2017 Version 1.1 Issue date: 18 October 2017 Date effective: 21 November 2017 Time effective: 08:00:00.000 CET SEPA INSTANT CRED IT TRANSFER (SCT INST) SCHEME RULEBOOK Conseil Européen des Paiements
A Guide to Treasury Deposit Accounts
A Guide to Treasury Deposit Accounts General Information Terms and Conditions This document contains important information. Please read carefully and retain for future reference. January 2018 Contents
Nordea s general terms and conditions 1(6) for euro-denominated payments transmitted within the Single Euro Payments Area
Nordea s general terms and conditions 1(6) If there are differences between the different language versions of these terms and conditions, the Finnish version shall have precedence. 1. Scope of application
General terms and conditions for 1 (5) SEPA Core Direct Debit for debtor January 2018
General terms and conditions for 1 (5) 1. General is a direct debit service offered by Nordea Bank AB (publ), Finnish Branch which can be used for euro-denominated direct debits in the Single Euro Payments
Terms and Conditions for Direct Debit for Corporate Customers
Terms and Conditions for Direct Debit for Corporate Customers (valid from 13 January 2018) The collection of amounts receivable by the Customer as a payee by Direct Debit shall be subject to the following
Payment Services. Special Terms for
1 STRUCTURE These Special Terms shall be read and construed together with the General Terms for Cash Management Products, Special Terms for Electronic Communication and, if applicable, the Special Terms
SEPA - Frequently Asked Questions
SEPA - Frequently Asked Questions Contents SEPA Overview Questions...2 What is SEPA?...2 What is the aim of SEPA?...3 Where did SEPA come from?...3 What countries are included in SEPA?...3 What currencies
Terms and Conditions for Payments by Direct Debit under the SEPA Core Direct Debit Scheme
Terms and Conditions for Payments by Direct Debit under the SEPA Core Direct Debit Scheme Payments which the customer makes to payees (creditors) by SEPA core direct debit through his/her account with
General Terms and Conditions Applicable to All ICS Deposit Accounts
General Terms and Conditions Applicable to All ICS Deposit Accounts These Terms and Conditions are applicable to All ICS Deposit Accounts and are to be read in conjunction with the Additional Account Specific
Corporate List of Conditions / Corporate Pricing and Fee Schedules Part II.
Corporate List of Conditions / Corporate Pricing and Fee Schedules Part II. Effective from 9 th of February 2018 General Conditions This List of Conditions is an inseparable part of the General Business
Nordea s general terms and conditions 1 (6) for euro-denominated payments transmitted within the Single Euro Payments Area
Nordea s general terms and conditions 1 (6) If there are differences between the different language versions of these terms and conditions, the Finnish version shall have precedence. 1. Scope of application
International Services tariff
International Services tariff Contents International Services Sending money abroad 1 International payments 1 Receiving money from abroad 1 Cut-off times and exchange rates 2 BIC and IBAN two numbers you
Preliminary Income Tax Direct Debit Guidelines
This document was updated September 2018. Contents 1. Scope...2 2. Purpose...2 3. Introduction...2 4. SEPA Monthly Direct Debit Scheme...3 5. Summary...3 6. Process Using Direct Debit Online...3 7. Validation
Sending a Payment Abroad (This form should not be used for sending Payments to an account in Europe)
Sending a Payment Abroad (This form should not be used for sending Payments to an account in Europe) Please complete in block capitals and black ink. Refer to How to Complete an International Payment Request
Business Banking. International Money Mover
Business Banking International Money Mover Guidance notes for completing the International Moneymover application form and useful information Always complete the form in CAPITAL letters using a ball point
International Money Mover. BUSINESS BANKING
International Money Mover. BUSINESS BANKING Guidance notes for completing the International Moneymover application form and useful information Always complete the form in CAPITAL letters using a ballpoint
SEPA CREDIT TRANSFER SCHEME RULEBOOK
EPC125-05 Version 8.3 Date issued: 24 November 2016 Date effective: 24 December 2016 SEPA CREDIT TRANSFER SCHEME RULEBOOK Conseil Européen des Paiements AISBL Cours Saint-Michel 30 B 1040 Brussels Tel:
GENERAL CONDITIONS 13 January 2018
GENERAL CONDITIONS 13 January 2018 This agreement contains: An explanation of what makes up our agreement with you for business banking and some related services. Our terms and conditions. They are divided
A Guide to Currency Accounts
A Guide to Currency Accounts General Information Schedule of Fees & Charges Terms and Conditions Customer Application Form This document contains important information. Please read carefully and retain
Corporate Deposits Terms and Conditions
Page 1 of 12 Corporate Deposits Terms and Conditions Applicable to: n Business Reserve Account n Corporate Bonus Account n Corporate Notice Accounts n Time Deposit Account n 12 Month Business Bond Account
2.2. The client understands and agrees that in order to execute payments by SEPA direct debit:
SATABANK SEPA DIRECT DEBIT DEBTOR SERVICE Approved by BoD of Satabank: 9 th of August, 2016 This Schedule applies to SEPA Direct debit payments, which the Client of Satabank makes as a Debtor (payer) to
Month Fixed Term Deposit Account
365 12-Month Fixed Term Deposit Account Introduction: These are the Terms and Conditions that apply to the Chosen Product named above. They are in two parts: Part 1. Terms and Conditions for the Chosen
GENERAL COMMERCIAL TERMS AND CONDITIONS OF Tatra banka, a.s.
GENERAL COMMERCIAL TERMS AND CONDITIONS OF Tatra banka, a.s. Article I Introductory Provisions 1.1. Preamble The General Commercial Terms and Conditions of Tatra banka, a.s. (hereinafter also the GCT )
EU LEGISLATION (PAYMENT SERVICES SEPA) (JERSEY) REGULATIONS 2015
EU LEGISLATION (PAYMENT SERVICES SEPA) (JERSEY) REGULATIONS 2015 Revised Edition Showing the law as at 1 January 2017 This is a revised edition of the law EU Legislation (Payment Services SEPA) (Jersey)
GENERAL TERMS AND CONDITIONS FOR EURO-DENOMINATED PAYMENTS TRANSMITTED WITHIN THE SINGLE EURO PAYMENTS AREA
GENERAL TERMS AND CONDITIONS FOR EURO-DENOMINATED PAYMENTS TRANSMITTED WITHIN THE SINGLE EURO PAYMENTS AREA These general terms and conditions have been drawn up by based on the drafted model terms and
Debtor Information Document. (Including Terms of Use for Italy)
Debtor Information Document (Including Terms of Use for Italy) (Not for accounts with HSBC Germany) 1 Introduction SEPA is the Single Euro Payments Area, which covers 34 countries all 28 European Union
Terms and Conditions for Payment Services
Terms and Conditions for Payment Services Nordea Bank S.A. 1 Terms and Conditions for Payment Services January 2018 2 Terms and Conditions for Payment Services Nordea Bank S.A. Contents 1. General provisions
TFI Markets. Currency Specialists. Agreement between TFI Markets Ltd and Holders of Payment Accounts for the provision of Payment Services
TFI Markets Currency Specialists Agreement between TFI Markets Ltd and Holders of Payment Accounts for the provision of Payment Services These terms and conditions concern the execution of payment transactions
SEPA Creditors Guide. SEPA Direct Debit Core Scheme. Version 1.2 Final Page 1 of 35
SEPA Creditors Guide SEPA Direct Debit Core Scheme Version 1.2 Final Page 1 of 35 Log of Revisions to the SDD Creditors Guide Version number Version1.1 Brief description of revision Comprehensive guide
EU LEGISLATION (PAYMENT SERVICES SEPA) (JERSEY) REGULATIONS 2015
EU LEGISLATION (PAYMENT SERVICES SEPA) (JERSEY) REGULATIONS 2015 Unofficial Consolidated Draft Showing the law as at 25 May 2018 EU Legislation (Payment Services SEPA) (Jersey) Arrangement EU LEGISLATION
SEPA CREDIT TRANSFER SCHEME RULEBOOK
EPC125-05 Version 7.1 Approved Date issued: 27 January 2014 Date effective: 1 February 2014 SEPA CREDIT TRANSFER SCHEME RULEBOOK Conseil Européen des Paiements AISBL Cours Saint-Michel 30 B 1040 Brussels
and transfers in foreign currency in Denmark Consumers Effective from 19. May 2017
This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails. and transfers in foreign currency in Denmark Consumers Effective from 19. May
TERMS AND CONDITIONS FOR ONLINE BANKING
TERMS AND CONDITIONS FOR ONLINE BANKING 1. General These terms and conditions govern the use of the online banking services provided by Austrian Anadi Bank AG, hereinafter referred to as Anadi Bank. The
SEPA - A Guide for Business Customers. SEPA Credit Transfer (SCT) SEPA Direct Debit Core Scheme (SDD Core)
SEPA - A Guide for Business Customers SEPA Credit Transfer (SCT) SEPA Direct Debit Core Scheme (SDD Core) Version: 2.1 (effective 20 th November 2016) Published: November 2016 Table of contents 1 PURPOSE
GoalSaver Terms And Conditions
GoalSaver Terms And Conditions Introduction: These are the Terms and Conditions that apply to the Chosen Product named above. They are in two parts: Part 1. Part 2. Terms and Conditions for the Chosen
MortgageSaver Account
MortgageSaver Account Introduction: These are the Terms and Conditions that apply to the Chosen Product named above. Part 1. Part 2. Terms and Conditions for the Chosen Product; and General Terms and Conditions
SEPA CREDIT TRANSFER SCHEME RULEBOOK
EPC125-05 Version 5.1 Approved Date issued: 17 November 2011 Date effective: 19 November 2011 SEPA CREDIT TRANSFER SCHEME RULEBOOK Conseil Européen des Paiements AISBL Av. de Tervueren 12 B 1040 Brussels
Dubai International Financial Centre Terms. International Banking
Dubai International Financial Centre Terms International Banking These Dubai International Financial Centre ( DIFC ) terms apply to International Banking clients of the DIFC branch of Barclays Bank PLC
FORMATS FOR PAYMENT ORDERS. EU-Payments / SEPA Credit Transfer. for Non-Banks
FORMATS FOR PAYMENT ORDERS EU-Payments / SEPA Credit Transfer for Non-Banks VTB Bank (Europe) SE Formats for EU-/ SEPA Credit Transfers - Non Banks Page 1 / 5 Table of contents Table of contents... 2 Document
C2B - Customer to Bank Services
SEPA Data Format (XML) Version: 02.02 Status: Final Go live date: 2016-02-01 Related Documents Reference Title Source EPC132-08 Implementation Guidelines SEPA CT C2B European Payments Council EPC130-08
Advantage Fixed Term Deposit Account
Advantage Fixed Term Deposit Account Introduction: These are the Terms and Conditions that apply to the Chosen Product named above. Part 1. Part 2. Terms and Conditions for the Chosen Product; and General