Call the following banking services and payment instruments, the most common
Bank transfers and
It 'a payment transaction that allows the transfer of a sum of money from a customer (originator) to another customer (beneficiary).To perform a transfer, IBAN code is required for transfers to banks in Italy, and the BIC of the receiving bank for direct credit to banks abroad.
Ri.ba. (Bank receipt)
E 'a document, not within the category of debt securities, whereby the creditor claims to have received a sum of money paid by bank, the balance of a specific invoice, and constitutes the means through which the bank takes steps to recover the amount specified in accordance with the instructions given by the customer.
Mav – Rav
The Mav is a service of collecting debts by notice to the debtor, exempt from stamp duty and be used for payments and maturity, not previously placed with a bank. At the direction of the creditor, contracted as the bank prepares the payment slips, that are sent to the debtor, who can pay at any bank or post office receipt showing the document. Upon payment, the debtor is given the responsibility itself form part of, properly receipted. The bank contracted as, at the request of transferor, may request the games remain unanswered by sending a new deposit slip.
R.I.D. (Direct relations between banks)
The RID is a service of collecting debts, based on a permit continuous, conferred by the borrower to its bank, to accept debit orders from a creditor identified.
Debit card and prepaid card
The debit card is a payment instrument that enables its holder to carry out in Italy and abroad (if the card is linked to international circuits) cash withdrawals from ATMs of any bank participating in the circuit and payments at merchants equipped with electronic equipment, without using the cash.
In the case of supply of cash at ATMs of the bank card issuer, the withdrawal limits are set independently by the same bank and according to customer profile. The operations of cash withdrawals and debit card payments are charged to the account holder of the same transactions. For such transactions, the cardholder must enter a PIN number associated with the paper by taking safety precautions. Banks, Indeed, always recommended to keep separate from the debit card code number. The prepaid card incorporates a power purchase paid in advance by the bearer of the card issuer, no other solvency requirement and retention of current accounts. The buying power on paper is loaded in spendable: the issuer itself (providing their own goods or services) or a variety of merchants.
Credit card
A credit card allows you to purchase goods and services in Italy and abroad at having an agreement with the bank or company that has issued the same card without paying its price in cash. The card can be used irrespective of the availability of funds in the account when the expenditure is made; the necessary funds to cover expenditure incurred must be present in the occurrence of the charging of amounts due. To make purchases in general the holder must affix the signature on the receipt of payment; such signature shall conform to the one he put on the back of the card at the time of receipt (you should sign your name on the back of the card as soon as you enter into possession). The card also allows you to withdraw cash in Italy and abroad through bank branches or ATMs as long as members of an international brand; in the latter case will enter a secret code number assigned to the card at the time of issue. Unlike in the case of debit card to withdraw cash with credit card charge on your statement is late as in the case of payment of purchases: which is why it is called "advance" instead of cash withdrawal. The operations of "advance" are subject to payment of a commission (fixed or percentage amount used) determined by the Bank or the company that issued the card.
Alex Gaetani