Payment statistics 2014, reporting template

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Payment statistics 2014, reporting template"

Transcription

1 Payment statistics 2014, reporting template The data for this table in respect of 2014 is to be reported to the Bank of Finland in the first quarter of This workbook is not made for reporting, but to assist in the planning stage. Because of the breakdowns by country and currency reporting is not possible with this workbook. The record structure will be published during spring In order to be consistent with the Regulation, the numbering of tables begins from Table 2. Table 1 contains data that the Bank of Finland reports to the European Central Bank the Bank of Finland reports to the European Central Bank via other sources (e.g. number of accounts). The blue cells in the survey form indicate the data that is to be reported. If a figure has to be separately divided (e.g. by country), this will be indicated on the relevant line. More precise details are presented in the reporting instructions. Version Date Changes First version of the survey form Second version of the survey form * Table presentation, headings and numbering clarified and simplified. Tables 4A and 4B combined, Tables 5A and 5B combined NB! The data to be reported is unchanged by the above. Changes tothe data are given below: * Table 2, 3.4 Passive cards deleted * Table 2, item 3 now has to be reported separately, cannot be calculated as a sum of the sub-items * Table 4 s Payments using e-payment buttons moved to Table 6 as 8 Payments using e-payment buttons, Other payment methods using e-payments deleted * Table 4, 2.3 Direct payments moved to Table 6 as 11 Direct payments * Table 4, 9 Card payment received from abroad deleted * Table 5, b) section augmented with additional breakdown by country of card-issuing country * Table 6 s corporate customer services augmented with number of * Table 6, 4. File transfer (batch transfer) : number of transfer deleted * Table 6, 7. Electronic invoicing: usage of links deleted * Table 6, 10.B2B Sender agreements and 12.B2C sender agreements combined into 12.E-invoice sender agreements Minor changes: * Table 2, 3. Cards with a payment function change of the previous version is cancelled, can be calculated as a sum of the sub-items * Table 3, headers 'a', 'b' and 'c' are required fields. Breakdown by country. * Table 4, part 'C'. Card present / not present are now divided differently. Affects questions 12 through 16. * Table 4 f) Other payment services: description is required * Table 5) and changed to be reported by merchant classification codes *Table 6, 4.Batch processing: number of batches and number of agreements is required (change of the previous version is cancelled)

2 2. Payment card functions (End of period; orginal units) Cards issued in Finland 1. Cards with a cash function 2. Cards with a payment function (except cards with an e-money function only) 2.1 Cards with a debit function Online debit cards Offline debit cards 2.2 Cards with a delayed debit function 2.3 Cards with a credit function 2.4 Cards with a debit and/or delayed debit function 2.5 Cards with a credit and/or delayed debit function 3. Cards with an e-money function 3.1 Cards on which e-money can be stored directly 3.2 Cards which give access to e-money stored on e-money accounts 3.3 Cards with an e-money function that have been loaded at least once 4. Total number of cards (irrespective of the number of functions on the card) 4.1 Cards with EMV compatibility 4.2 Cards with magnetic stripe only 5. Cards with a combined debit, cash and e-money function 6. Cards with a NFC functionality Number of cards

3 3. Payment card accepting devices (End of period; orginal units) Terminals provided by resident PSPs a) ATMs (breakdown by country) 1. ATMs with a cash withdrawal function (breakdown by country) 2. ATMs with a credit transfer function (breakdown by country) Number of terminals b) POS terminals (breakdown by country) 3. EFTPOS terminals (breakdown by country) 4. E-money card terminals (breakdown by country) c) E-money card terminals (breakdown by country) 5. E-money card loading and unloading terminals (breakdown by country) 6. E-money card accepting terminals (breakdown by country)

4 4. Payment involving non-mfis Number of intrabank Number of interbank intrabank interbank Transactions per type of payment service a) Credit transfers 1. SEPA credit transfers sent (breakdown by country) 2. Non-SEPA credit transfers sent (breakdown by country) 3. Sent credit transfers initiated in paper-based form (breakdown by country) 4. Sent credit transfers initiated electronically (breakdown by country) 4.1 Initiated in a file/batch (breakdown by country) of which recurrent payments 4.2 Initiated on a single payment basis (breakdown by country) of which online-banking-based e-payments (breakdown by country) 5. Urgent payments sent 6. Cross-border transfers received b) Direct debits 7. Initiated SEPA direct debits (breakdown by country) 8. Initiated non-sepa direct debits (breakdown by country) 9. Initiated in a file/batch (breakdown by country) 10. Initiated on a single payment basis (breakdown by country) 11. Cross-border direct debits received Number of c) Card payments with cards issued by resident PSPs (except cards with an e-money function only) 12. Payments with cards with a debit function 12.1 Online debit card payments, card present (breakdown by country) 12.2 Online debit card payments, card not present (breakdown by country) 12.3 Offline debit card payments, card present (breakdown by country) 12.4 Offline debit card payments, card not present (breakdown by country) 13. Payments with cards with a delayed debit function 13.1 of which card present (breakdown by country) 13.2 of which card not present (breakdown by country) 14. Payments with cards with a credit function 14.1 of which card present (breakdown by country) 14.2 of which card not present (breakdown by country) 15. Cards with a debit and/or delayed debit function 15.1 of which card present (breakdown by country) 15.2 of which card not present (breakdown by country) 16. Payments with cards with a credit and/or delayed debit function 16.1 of which card present (breakdown by country) 16.2 of which card not present (breakdown by country) 17. Initiated at a physical EFTPOS (breakdown by country) 17.1 Contact terminal 17.2 Contactless terminal (NFC) 18. Initiated remotely (breakdown by country) d) E-money payment 19. With cards on which e-money can be stored directly (breakdown by country) 20. With e-money accounts (breakdown by country) 20.1 accessed through a card (breakdown by country) 21. Cross-border e-money payment received e) Cheques 22. Cheques collected in Finland (breakdown by country) 23. Finnish cheques collected abroad f) Other payment services (a description is required) 24. Transactions sent (breakdown by country) 25. Cross-border received g) Simple book entries 26. Credits to the accounts by simple book entry 27. Debits from the accounts by simple book entry h) Money remittances 28. Outgoing money remittances (breakdown by country) 29. Incoming cross-border money remittances i) Transactions via telecommunication, digital or IT device 30. Sent via telecommunication, digital or IT device 31. Received cross-border via telecommunication, digital or IT device

5 5. Payment per type of terminal involving non-mfis Transactions per type of terminal Number of a) Transactions at terminals provided by resident PSPs with cards issued by resident PSPs 1. ATM cash withdrawals (except e-money ) 1.1 In Finland 1.2 Abroad by country 2. ATM cash deposits (except e-money ) 2.1 In Finland 2.2 Abroad by country 3. POS (except e-money ) 3.1 In Finland 3.2 Abroad by country 4. E-money card-loading and unloading 4.1 In Finland 4.2 Abroad by country 5. E-money payment with cards with an e-money function 5.1 In Finland 5.2 Abroad by country b) Transactions at terminals provided by resident PSPs with cards issued by non-resident PSPs 6. ATM cash withdrawals (except e-money ) 6.1 In Finland (breakdown by card-issuing country) 6.2 Abroad by country (breakdown by card-issuing country) 7. ATM cash deposits (except e-money ) 7.1. In Finland (breakdown by card-issuing country) 7.2 Abroad by country (breakdown by card-issuing country) 8. POS (except e-money ) 8.1 In Finland (breakdown by card-issuing country) Industry by merchant classification codes (MCC) 8.2 Abroad by country (breakdown by card-issuing country) 9. E-money card-loading and unloading 9.1 In Finland (breakdown by card-issuing country) 9.2 Abroad by country (breakdown by card-issuing country) 10. E-money payment with cards with an e-money function 10.1 In Finland (breakdown by card-issuing country) 10.2 Abroad by county (breakdown by card-issuing country)

6 Number of c) Transactions at terminals provided by non-resident PSPs with cards issued by resident PSPs 11. ATM cash withdrawals (except e-money ) 11.1 In Finland 11.2 Abroad by country 12. ATM cash deposits (except e-money ) 12.1 In Finland 12.2 Abroad by country 13. POS (except e-money ) 13.1 In Finland 13.2 Abroad by country Industry by merchant classification codes (MCC) 14. E-money card-loading and unloading 14.1 In Finland 14.2 Abroad by country 15. E-money payment with cards with an e-money function 15.1 In Finland 15.2 Abroad by country d) Cash 16. Cash advances at POS terminals 17. OTC cash withdrawals 18. OTC cash deposits

7 6. Customer applications and electronic invoicing Customer applications a) Corporate customer applications 1. Customer identification service (Tupas) 2. Electronic bank statement (KTO) 3. Electronic bank statement (XML) 4. Batch processing 5. Payment terminal authorisation service 5.1 Automated authorisation 5.2 Manual authorisation Number of Number of contracts/ users b) Services for private persons and self-employed persons (payment related services) 6. Multiservice agreements/users 6.1 Computer/internet 6.2 Telephone service (staffed) 6.3 Telephone service (automated/push button phone) c) Services for private persons; Online shopping 7. Payments using payment buttons Electonic invoicing d) E-invoices 8. E-invoices sent 9. E-invoices received e) Direct payments 10. Direct payments f) Agreements 11. E-invoice sender agreements 12. B2B receiver agreements 13. Receiver agreements 14. Direct payment assignments 15. Electronic banking: Private customer user agreements 16. SDD-agreements by creditor

8 7. Correspondent banking: customer payments a) Outgoing customer payments 1. Credit transfers initiated in paper-based form 2. Credit transfers initiated electronically Number of 3. Credit transfers (breakdown by country) 4. Credit transfers (breakdown by currency) b) Incoming customer payments 5. Credit transfers (breakdown by country) 6. Credit transfers (breakdown by currency)

payment statistics half of year

payment statistics half of year Credit institution Report on credit institution UPDK 0620562 payment statistics half of year (5 pages) to be submitted to the Bank of Latvia Code of the credit institution (last day of the reporting period

More information

Questions & Answers on Payment Statistics

Questions & Answers on Payment Statistics Questions & Answers on Payment Statistics The European Central Bank and the Bank of Finland have compiled statistics on payment transmission before, so what s new? In November 2013, the European Central

More information

Information on the reporting institution. Council of 26 June 2013 on prudential requirements for credit institutions and investment firms.

Information on the reporting institution. Council of 26 June 2013 on prudential requirements for credit institutions and investment firms. according to Directive of the Deutsche Bundesbank of 31 January 2014 "Bundesbank-Mitteilung" No 8001/2014, published in the federal publication "Bundesanzeiger" (official part) of 14 February 2014 Information

More information

Form Payments statistics (formerly form-9006)

Form Payments statistics (formerly form-9006) Form Payments statistics (formerly form-9006) General The report contains data on payments, specifically payments between consumers, businesses and the government. As of July 2014, this report implements

More information

Questions & Answers on Payment Statistics

Questions & Answers on Payment Statistics Questions & Answers on Payment Statistics Payment Statistics Regulation and Guideline The European Central Bank and the Bank of Finland have compiled statistics on payment transmission before, so what

More information

Payments Statistics Return (PSA)

Payments Statistics Return (PSA) Payments Statistics Return (PSA) Notes on Compilation Incorporating FAQ Version 1.1 4 March 2015 Email: creditinst@centralbank.ie Website: http://www.centralbank.ie/ Version Date Comment V1.1 4 March 2015

More information

General guidelines on payment statistics

General guidelines on payment statistics Payment statistics Deutsche Bundesbank Statistics Guidelines July 2015 General guidelines on payment statistics I Focus of the data collection and definitions This collection of payment statistics data

More information

Guide. 1 Dec 2010. Introduction of the global Structured Creditor Reference in Finnish companies. 1 December 2010

Guide. 1 Dec 2010. Introduction of the global Structured Creditor Reference in Finnish companies. 1 December 2010 1 Dec 2010 Guide Introduction of the global Structured Creditor Reference in Finnish companies 1 December 2010 Federation of Finnish Financial Services Contents Guide Introduction of the global Structured

More information

Information on the reporting institution

Information on the reporting institution according to Regulation of the European Central Bank of 28 November 2013 on payments statistics (EZB/2013/43) for all payment service providers, which do not have the status of a monetary financial institution

More information

RS Official Gazette, No 57/2015, /corr. 59/2015

RS Official Gazette, No 57/2015, /corr. 59/2015 RS Official Gazette, No 57/2015, /corr. 59/2015 Pursuant to Article 176, paragraph 4 of the Law on Payment Services (RS Official Gazette, No 139/2014), Article 18, paragraph 1, item 3) and Article 68,

More information

pg. 2 pg. 6 pg.8 pg. 20

pg. 2 pg. 6 pg.8 pg. 20 SEPA Extra Payment news pg. 2 pg. 6 pg.8 pg. 20 SEPA harmonises payments The account number format when SEPA is valid SEPA will cause changes to material transfer services Is your company ready for SEPA?

More information

American Express. Merchant Services. Grow your business With POS terminals from American Express

American Express. Merchant Services. Grow your business With POS terminals from American Express American Express Merchant Services Grow your business With POS terminals from American Express POS Terminals Electronic Devices for fast, efficient and reliable card transaction processing to suit all

More information

4 th Quarterly Report of Retail Payment Systems Of Pakistan (Paper Based and E-Banking)

4 th Quarterly Report of Retail Payment Systems Of Pakistan (Paper Based and E-Banking) State Bank of Pakistan PAYMENT SYSTEMS DEPARTMENT 4 th Quarterly Report of Retail Payment Systems Of Pakistan (Paper Based and E-Banking) 4 th Quarter Report (April June) FY 2006-07 Table of Contents EXECUTIVE

More information

Liquidity management with clockwork precision

Liquidity management with clockwork precision Liquidity management with clockwork precision Cash management and payments Corporate Banking Efficient management of accounts and cash flows Professional management of accounts and cash flows is a key

More information

Deutsche Bank E-Payment Services & Fees

Deutsche Bank E-Payment Services & Fees (Malaysia) Berhad (312552-W) E-Payment Services & Fees 1st April 2015 (1) Individuals Intrabank Funds Transfer Channels Over-the-counter Internet banking Mobile banking ATM (OTC) (1) Fees and Charges (RM

More information

Price list for everyday banking services

Price list for everyday banking services 1 (5) Price list for everyday banking services Extract from the service charge list for private customers: Everyday banking packages, accounts, cards, payments and account information Valid as of 14 December

More information

Nordea Bank AB Lithuania branch Price List for corporate customers Valid from 1 st of September, 2016. Contents

Nordea Bank AB Lithuania branch Price List for corporate customers Valid from 1 st of September, 2016. Contents Contents DAILY BANKING... 2 BANK ACCOUNTS...2 ELECTRONIC SERVICES...2 Nordea Electronic Banking... 2 Nordea Internetbank for... 2 Package of daily banking services for corporate... 2 Web Service channel...

More information

ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments

ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments A TO Z JARGON BUSTER A ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments ATM Automated Teller Machine. Unattended,

More information

Information on the Fee Approval Process for Credit Institutions. Update to Personal Current Account Profiles Consumer Protection Directorate

Information on the Fee Approval Process for Credit Institutions. Update to Personal Current Account Profiles Consumer Protection Directorate 2015 Information on the Fee Approval Process for Credit Institutions Update to Personal Current Account Profiles Consumer Protection Directorate Update to Personal Current Account Profiles used by the

More information

EXTRACT FROM THE SERVICE CHARGE LIST FOR PRIVATE CUSTOMERS

EXTRACT FROM THE SERVICE CHARGE LIST FOR PRIVATE CUSTOMERS EXTRACT FROM THE SERVICE CHARGE LIST FOR PRIVATE CUSTOMERS Accounts, cards, payments and account information Valid from 14 Dec 2015 ACCOUNTS CURRENT ACCOUNT Monthly fee for Danske Account 2.00 Current

More information

Price list for legal person (resident) Effective as of 01.12.2015

Price list for legal person (resident) Effective as of 01.12.2015 Price list for legal person (resident) Effective as of 01.12.2015 OPENING ACCOUNTS Opening a current account incl.opening a start account Current account interest 0,01%* Opening a deposit account * per

More information

STATE BANK OF PAKISTAN

STATE BANK OF PAKISTAN STATE BANK OF PAKISTAN 1 st Quarterly Report on The Retail Payment Systems of Pakistan (Paper Based and EBanking) FY 28-9 Payment Systems Department (Development & Policy Division) Table of Contents The

More information

Intra-day payment Frequently asked questions

Intra-day payment Frequently asked questions Intra-day payment Frequently asked questions Contents 1. THE MEANING, advantages and scope of intra-day payment... 3 1.1. What does the launch of intra-day payment mean?... 3 1.2. What advantages does

More information

The Key to Unlocking the Full Potential of the Internal Payments Market

The Key to Unlocking the Full Potential of the Internal Payments Market International Payment Summit 2010 Royal Lancaster Hotel, London Electronic and Mobile SEPA: The Key to Unlocking the Full Potential of the Internal Payments Market 9 March 2010 Harry Leinonen The views

More information

Business Fees and Charges. This document contains important information. Please read carefully and retain for future reference.

Business Fees and Charges. This document contains important information. Please read carefully and retain for future reference. Business Fees and Charges This document contains important information. Please read carefully and retain for future reference. May 2016 Contents Welcome to AIB page 2 Account Fees page 3 Debit Card Use

More information

Standard Methodology and Explanatory Notes to Banking Schedule 10 (BS10) Overview

Standard Methodology and Explanatory Notes to Banking Schedule 10 (BS10) Overview Standard Methodology and Explanatory Notes to Banking Schedule 10 (BS10) Overview The objective of the BS10 Schedule is to collect data relating to payment system activity and capacity within the Eastern

More information

SAFE SYSTEM: SECURE APPLICATIONS FOR FINANCIAL ENVIRONMENTS USING MOBILE PHONES

SAFE SYSTEM: SECURE APPLICATIONS FOR FINANCIAL ENVIRONMENTS USING MOBILE PHONES SAFE SYSTEM: SECURE APPLICATIONS FOR FINANCIAL ENVIRONMENTS USING MOBILE PHONES Sead Muftic 1, Feng Zhang 1 1Department of Computer and System Sciences, Royal Institute of Technology, Stockholm, Sweden

More information

EMV PAYMENT TERMINAL SYSTEM FUNCTIONAL DESCRIPTION 21 October 2011 / V 4.2

EMV PAYMENT TERMINAL SYSTEM FUNCTIONAL DESCRIPTION 21 October 2011 / V 4.2 1(19) table of contents 1. Introduction... 2 2. Definitions... 3 3. Payment terminal system... 6 4. Agreements and accepted cards... 6 5. Identifying cards and verifying their authenticity... 7 6. Purchases

More information

TERMS OF SERVICE FOR WESTERN UNION MONEY TRANSFER

TERMS OF SERVICE FOR WESTERN UNION MONEY TRANSFER TERMS OF SERVICE FOR WESTERN UNION MONEY TRANSFER The Western Union money transfer service (henceforth the Service ) is represented by Money Transfer Service Providers in the territory of the Russian Federation,

More information

CUSTOMER GUIDELINES FOR MAESTRO SERVICE AND QUICK SERVICE PREVIOUS VERSION (FEBRUARY 2014)

CUSTOMER GUIDELINES FOR MAESTRO SERVICE AND QUICK SERVICE PREVIOUS VERSION (FEBRUARY 2014) CUSTOMER GUIDELINES FOR MAESTRO SERVICE AND QUICK SERVICE PREVIOUS VERSION (FEBRUARY 2014) CUSTOMER GUIDELINES FOR THE CARD SERVICE, THE CONTACTLESS FUNCTION AND THE QUICK SERVICE NEW VERSION (JANUARY

More information

Frequently asked questions - Visa paywave

Frequently asked questions - Visa paywave Frequently asked questions - Visa paywave What is Visa paywave? Visa paywave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method

More information

BULLETIN ON PAYMENT SERVICE

BULLETIN ON PAYMENT SERVICE 1 st. of April 2016 This bulletin contains general advance information on payment services which the Bank must provide to a consumer customer before entering into a master agreement (hereinafter the "Bulletin

More information

corporate payment charges

corporate payment charges corporate payment charges 2015 Payment products Accounts Business account 5.50 per account per month Third Party account 5.50 per account per month Foreign Currency account 5.50 per account per month Business

More information

Retail Payment Services

Retail Payment Services Retail Payment Services Information Sheet January 2015 Contents: 1. Security 2. Direct debits 3. Business days 4. Limits 5. Fees and charges 6. Exchange rates 7. Current account interest 8. Value date

More information

Telegraphic transfers and bank drafts

Telegraphic transfers and bank drafts Telegraphic transfers and bank drafts Businesses and individuals frequently need to transfer funds abroad in payment of goods or services provided by an overseas supplier. These transfers are a convenient

More information

An introduction to CashFlows and the provision of on-line card acceptance services we provide to Young Enterprise companies

An introduction to CashFlows and the provision of on-line card acceptance services we provide to Young Enterprise companies An introduction to CashFlows and the provision of on-line card acceptance services we provide to Young Enterprise companies Q. What is CashFlows? A. CashFlows is a Financial Services company that provides

More information

NorGes Bank Papers. Developments in retail payment services 2013. No. 1 2014

NorGes Bank Papers. Developments in retail payment services 2013. No. 1 2014 Developments in retail payment services 213 Norges Bank Papers Norges Bank Address: Bankplassen 2 Postal address: Postboks 1179 Sentrum, 17 Oslo Phone: +47 22 31 6 Fax: +47 22 41 31 5 E-mail: central.bank@norges-bank.no

More information

E-Payment Services and Fees Schedule: Businesses

E-Payment Services and Fees Schedule: Businesses E-Payment Services and Fees Schedule: Businesses Intrabank Funds Transfer Sole-proprietors, partnership and SME 1 t offering t offering t offering 2.12 Other corporates 4.41 t offering t offering 4.41

More information

Credit card: permits consumers to purchase items while deferring payment

Credit card: permits consumers to purchase items while deferring payment General Payment Systems Cash: portable, no authentication, instant purchasing power, allows for micropayments, no transaction fee for using it, anonymous But Easily stolen, no float time, can t easily

More information

International Products & Services. Fees, charges and services explained.

International Products & Services. Fees, charges and services explained. International Products & Services Fees, charges and services explained. 2 Introduction At Danske Bank, we offer a comprehensive service to our personal and business customers involved in international

More information

INTERNATIONAL COLLECTION OF PAYMENT SURVEY TERMS International Association of Currency Affairs Global Payment Survey Project

INTERNATIONAL COLLECTION OF PAYMENT SURVEY TERMS International Association of Currency Affairs Global Payment Survey Project INTERNATIONAL COLLECTION OF PAYMENT SURVEY TERMS International Association of Currency Affairs Global Payment Survey Project The International Association of Currency Affairs (IACA) is a not-for-profit

More information

STANDARD CHARGES FOR THE MAIN TRANSACTIONS AND SERVICES FOR LEGAL ENTITIES

STANDARD CHARGES FOR THE MAIN TRANSACTIONS AND SERVICES FOR LEGAL ENTITIES STANDARD CHARGES FOR THE MAIN TRANSACTIONS AND SERVICES FOR LEGAL ENTITIES CHARGES APPLICABLE AS FROM 1 JANUARY 2012 Corporate & Public Bank Experts in serving your ambitions 1. Current accounts in EUR

More information

Business On Line. The complete online package for your business

Business On Line. The complete online package for your business Business On Line The complete online package for your business Manage your cash flow wherever you are Controlling your cash flow is crucial to the success of your business. At Bank of Ireland we understand

More information

Guideline on Debit or Credit Cards Usage

Guideline on Debit or Credit Cards Usage CMSGu2012-04 Mauritian Computer Emergency Response Team CERT-MU SECURITY GUIDELINE 2011-02 Enhancing Cyber Security in Mauritius Guideline on Debit or Credit Cards Usage National Computer Board Mauritius

More information

Roadmap for the Single Euro Payments Area

Roadmap for the Single Euro Payments Area www.europeanpaymentscouncil.eu Roadmap for the Single Euro Payments Area Status and progress Gerard Hartsink Chair - European Payments Council Raad Nederlandse Detailhandel Utrecht, 28 augustus 2009 Agenda

More information

PRICE LIST FOR CORPORATE CLIENTS AND FINANCIAL INSTITUTIONS. published by Československá obchodná banka, a.s.

PRICE LIST FOR CORPORATE CLIENTS AND FINANCIAL INSTITUTIONS. published by Československá obchodná banka, a.s. PRICE LIST FOR CORPORATE CLIENTS AND FINANCIAL INSTITUTIONS published by Československá obchodná banka, a.s. Table of contents: 1. Current and deposit accounts 2 2. Payment transactions 3 3. Payment cards

More information

Accounts and bank transfers

Accounts and bank transfers Price List Accounts and bank transfers... 2 Bank cards... 4 Servicing of payment cards... 7 Deposits... 8 Securities... 9 Loans... 11 Leasing... 12 Price List for Au-clients... 13 Price List for non-residents...

More information

2 Annual data reflecting National Income and Product

2 Annual data reflecting National Income and Product Table 1 Basic statistical data Population (thousands) 1 291,289 294,056 296,940 299,801 302,045 GDP (USD billions) 2 10,960.8 11,685.9 12,421.9 13,178.4 13,807.5 GDP per capita (USD) 37,629 39,740 41,833

More information

Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system).

Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system). Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system). Warsaw, 1 st November, 2014 Table of Contents I. Accounts and Account Details... 2 II. Domestic

More information

Mobile Banking Questionnaire USERS

Mobile Banking Questionnaire USERS Instructions to the Interviewer: Interviewer to note down the details in the grid given below Mobile banking definition for the survey: A financial transaction or information request (e.g., ministatement)

More information

Microsoft Dynamics NAV. SEPA Credit Transfers and Direct Debits

Microsoft Dynamics NAV. SEPA Credit Transfers and Direct Debits Microsoft Dynamics NAV SEPA Credit Transfers and Direct Debits July 2012 EXECUTIVE SUMMARY... 1 SEPA PAYMENT INSTRUMENTS... 2 SEPA CREDIT TRANSFERS... 2 SEPA DIRECT DEBITS... 2 OVERVIEW OF SEPA DIRECT

More information

1i. What other gaps or opportunities not mentioned in the paper could be addressed to make improvements to the U.S. payment system?

1i. What other gaps or opportunities not mentioned in the paper could be addressed to make improvements to the U.S. payment system? Name: LORENZO GASTON Organization: SMART PAYMENT ASSOCIATION (SPA) Industry Segment: Technology Solution Provider/Processor General 1. Are you in general agreement with the payment system gaps and opportunities

More information

THE SINGLE EURO PAYMENTS AREA (SEPA) AN INTEGRATED RETAIL PAYMENTS MARKET

THE SINGLE EURO PAYMENTS AREA (SEPA) AN INTEGRATED RETAIL PAYMENTS MARKET THE SINGLE EURO PAYMENTS AREA (SEPA) AN INTEGRATED RETAIL PAYMENTS MARKET Contents Foreword 3 Introduction 4 1. Creating SEPA 5 Overview of SEPA 5 Stakeholders 5 Why SEPA? 6 What has been achieved so far?

More information

NFC technology user guide. Contactless payment by mobile

NFC technology user guide. Contactless payment by mobile Contactless payment by mobile Table of contents 1. What is contactless payment by mobile? 2. What do I need to shop with my mobile phone? 3. How can I manage a Mobile Card? 4. How do I shop with my mobile

More information

User's manual for OTPdirekt Internet Banking. v.1.0

User's manual for OTPdirekt Internet Banking. v.1.0 User's manual for OTPdirekt Internet Banking v.1.0 1 Contents General... 4 Log in... 4 Logging out... 4 Home page... 5 Accounts... 5 Accounts - Overview of movements... 6 Accounts - OTPdirekt transactions...

More information

TOP TRUMPS Comparisons of how to pay for goods and services online

TOP TRUMPS Comparisons of how to pay for goods and services online Cash Cash is legal tender in the form of bank notes and coins Small value purchases e.g. cafes, shops Pocket money Repaying friends Cash is physically transferred from one person to the next, usually face-to-face

More information

A Guide to Fees and Charges for Personal Accounts

A Guide to Fees and Charges for Personal Accounts A Guide to Fees and Charges for Personal Accounts This document contains important information. Please read carefully and retain for future reference. March 2015 Contents Welcome to AIB page 2 Account

More information

SUMMARY PRICE LIST. valid from 8 June 2016

SUMMARY PRICE LIST. valid from 8 June 2016 SUMMARY PRICE LIST valid from 8 June 2016 Page 1 I N D E X I. INDIVIDUAL PERSONS... 3 1. ACCOUNT SERVICES... 3 2. PAYMENT SERVICES... 6 II. CORPORATE CLIENTS... 9 1. ACCOUNT SERVICES... 9 2. PAYMENT SERVICES...

More information

TERMS OF SERVICE FOR WESTERN UNION MONEY TRANSFER

TERMS OF SERVICE FOR WESTERN UNION MONEY TRANSFER TERMS OF SERVICE FOR WESTERN UNION MONEY TRANSFER The Western Union money transfer service (henceforth the Service ) is represented by Money Transfer Service Providers in the territory of the Russian Federation,

More information

The complete online package for your business

The complete online package for your business The complete online package for your business Bank of Ireland is regulated by the Central Bank of Ireland. 37-1322R (01/16) Manage your cash flow wherever you are Controlling your cash flow is crucial

More information

WHMCS Direct Debit SEPA: Userguide

WHMCS Direct Debit SEPA: Userguide WHMCS Direct Debit SEPA: Userguide Introduction Functionality Userguide Introduction Installing and activating Direct Debit SEPA Generator module Configuration settings Custom fields linking Bank Details

More information

Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity)

Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) Table of commissions and fees for bank services rendered to Individuals (pursuing no business activity) dated 1 April 2015 Table of commissions and fees for bank services rendered to Individuals (pursuing

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system).

Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system). Table of Fees and Charges of DNB Bank Polska S.A. for corporate customers (handled in the Midas system). Warsaw, 14 th April, 2014 Table of Contents I. Accounts and Account Details... 2 II. Domestic Services

More information

Service Description XML Account Reporting

Service Description XML Account Reporting Service Description XML Account Reporting 6.10.2016 2 Table of Contents 1 XML account reporting... 3 1.1 General... 3 1.2 XML account reporting services... 3 1.2.1 XML balance query (camt.052)... 3 1.2.2

More information

Online Savings Account Key Features Statement

Online Savings Account Key Features Statement Online Savings Account Online Savings Account Key Features Statement newcastlepermanent.com.au Newcastle Permanent Building Society Ltd ACN 087 651 992 Australian Financial Services Licence / Australian

More information

Business On Line. The complete online package for your business

Business On Line. The complete online package for your business Business On Line The complete online package for your business Manage your cash flow wherever you are Controlling your cash flow is crucial to the success of your business. At Bank of Ireland we understand

More information

Cross-Border Payment Systems and International Remittances

Cross-Border Payment Systems and International Remittances Cross-Border Payment Systems and International Remittances Seminar Improving Central Bank Reporting and Procedures on Remittances Mexico City, Mexico, July 11-14, 2006 José Antonio García The World Bank

More information

Visa Debit Card Conditions of Use.

Visa Debit Card Conditions of Use. Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.

More information

Deutsche Bank Global Transaction Banking. Internet Bankieren. Entering Payments and Collections. www.deutschebank.nl

Deutsche Bank Global Transaction Banking. Internet Bankieren. Entering Payments and Collections. www.deutschebank.nl Deutsche Bank Global Transaction Banking Internet Bankieren Entering Payments and Collections www.deutschebank.nl Internet Bankieren Entering Payments and Collections 2 Entering payments and collections

More information

KBC Current Account Fees & Charges Booklet

KBC Current Account Fees & Charges Booklet KBC Current Account Fees & Charges Booklet Handy ways to save on bank fees: Avoid the ATM, your KBC Debit Card does not charge for debit card purchases, and with free cashback* in stores,you can get cash

More information

Consumer FAQs. 1. Who is behind the BuySafe initiative? 2. Why should I use a PIN? 3. Do all transactions need a PIN?

Consumer FAQs. 1. Who is behind the BuySafe initiative? 2. Why should I use a PIN? 3. Do all transactions need a PIN? Consumer FAQs 1. Who is behind the BuySafe initiative? The Industry Security Initiative (ISI)/BuySafe initiative comprises representatives of ten Australian financial institutions including all of the

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Personal current account Golden Years current account Third Level Student current account Graduate current account ATM Card and Visa Debit Card July, 2012 Terms & Conditions - Personal

More information

Freedom Checking A Guide to Freedom Checking Fees

Freedom Checking A Guide to Freedom Checking Fees Monthly Service Fee Monthly Service Fee: Easy Ways to Avoid the Monthly Service Charge: $8 for accounts with e-statements $10 for accounts with paper statements Maintain a monthly minimum balance of $1,000

More information

PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING

PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING PERSONAL ACCOUNT SPECIFICATIONS AND FEE LISTING Account Opening and Usage Sterling Eagle & Club Sterling TM Eagle Checking Minimum balance to open account: $500 Monthly average balance to avoid fee: $500

More information

List of Charges of Česká Spořitelna a.s. for bank businesses (hereafter List of Charges)

List of Charges of Česká Spořitelna a.s. for bank businesses (hereafter List of Charges) List of Charges of Česká Spořitelna a.s. for bank businesses (hereafter List of Charges) Part II. Financial transactions Content: 1. Non-Cash Transactions, Standing Orders 2. Cash Transactions for Accounts

More information

Business Current Account. Ways to keep costs down

Business Current Account. Ways to keep costs down Business Current Account Ways to keep costs down Here are some ways to keep your banking fees and charges to a minimum An integral part of our customer commitment is to make banking more convenient by

More information

UNION BANK UK PLC CURRENT ACCOUNT KEY FEATURES

UNION BANK UK PLC CURRENT ACCOUNT KEY FEATURES UNION BANK UK PLC CURRENT ACCOUNT KEY FEATURES Version 2.0 July 2012 Authorised and regulated by the Financial Services Authority This document sets out the key features of our Current Account for personal

More information

Oracle FLEXCUBE ATM User Manual Release 4.5.0.0.0 Part No E52127-01

Oracle FLEXCUBE ATM User Manual Release 4.5.0.0.0 Part No E52127-01 Oracle FLEXCUBE ATM User Manual Release 4.5.0.0.0 Part No E52127-01 ATM User Manual Table of Contents (index) 1. ATM... 3 1.1. ATM01 - ATM Bank Params Maintenance... 4 1.2. ATM02 - ATM Acquirer POS Id

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Chapter 12. Electronic Payment Systems. 2008 Pearson Prentice Hall, Electronic Commerce 2008, Efraim Turban, et al.

Chapter 12. Electronic Payment Systems. 2008 Pearson Prentice Hall, Electronic Commerce 2008, Efraim Turban, et al. Chapter 12 Electronic Payment Systems 2008 Pearson Prentice Hall, Electronic Commerce 2008, Efraim Turban, et al. Learning Objectives 1. Understand the shifts that are occurring with regard to noncash

More information

Chapter 12. Learning Objectives. Learning Objectives. Electronic Payment Systems

Chapter 12. Learning Objectives. Learning Objectives. Electronic Payment Systems Chapter 12 Electronic Payment Systems 2008 Pearson Prentice Hall, Electronic Commerce 2008, Efraim Turban, et al. Learning Objectives 1. Understand the shifts that are occurring with regard to noncash

More information

Cash Passport Prepaid Travel Money Card Fees and Limits

Cash Passport Prepaid Travel Money Card Fees and Limits As a prepaid currency card. Cash Passport is all about putting you in control of your holiday money and making it easier to budget for your trip away. All charges are clear upfront so you ll know exactly

More information

Rates for business transaction services. Letting you know where you stand

Rates for business transaction services. Letting you know where you stand Rates for business transaction services Letting you know where you stand All charges at a glance What rates and fees does ING charge for business transactions? This brochure provides an overview of the

More information

Bridging Crypto Currencies to traditional payment systems

Bridging Crypto Currencies to traditional payment systems Bridging Crypto Currencies to traditional payment systems Miles Paschini Dec 4 th, 2014 2 Wave Crest Licensed emoney issuer in Gibraltar Principal members of Visa and MasterCard Transaction processor Clearing

More information

Credit Card Conditions of Use. Credit Guide.

Credit Card Conditions of Use. Credit Guide. Credit Card Conditions of Use. Credit Guide. Effective Date: 20 May 2016 This document does not contain all the terms of this agreement or all of the information we are required by law to give you before

More information

THE INNOVATION JOURNEY:

THE INNOVATION JOURNEY: THE INNOVATION JOURNEY: The last four years and into the future Presentation to the Australian Payments Forum Monday 15 April 2013 Where were we? DCITA Report 2006 APCA Innovation Report 2008/9 What s

More information

M-Payments Legal and Regulatory Issues ***

M-Payments Legal and Regulatory Issues *** M-Payments Legal and Regulatory Issues *** Mobile Payments: Global Markets, Empowered Consumers and New Rules? What Will it Take to Make Mobile Payments Mainstream in North America? Friday, October 29,

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

Bilateral and Multilateral Processing of Card Transactions in Europe. A Card Scheme Independent Message Standard. White Paper

Bilateral and Multilateral Processing of Card Transactions in Europe. A Card Scheme Independent Message Standard. White Paper THE Berlin GROUP A EUROPEAN INITIATIVE FOR CARD PAYMENTS IN EUROPE Bilateral and Multilateral Processing of Card Transactions in Europe A Card Scheme Independent Message Standard White Paper 25/02/2009

More information

SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands

SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands SNS Bank addendum on the XML message for SEPA Credit Transfer Initiation Implementation Guidelines for the Netherlands Version 1.2 April 2015 1-14 Contents 1. Introduction... 8 Character Set... 9 2. Message

More information

Concept of Debit Card as a means of payments in Malaysia. The acceptance of electronic payment systems among Malaysian consumers

Concept of Debit Card as a means of payments in Malaysia. The acceptance of electronic payment systems among Malaysian consumers CHAPTER 1: INTRODUCTION DEBIT CARDS IN MALAYSIA Concept of Debit Card as a means of payments in Malaysia The acceptance of electronic payment systems among Malaysian consumers has increased from year to

More information

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016

Business Vantage Visa Credit Card. Conditions of Use. Effective Date: 20 May 2016 Business Vantage Visa Credit Card Conditions of Use 1 Effective Date: 20 May 2016 Business Vantage Visa Conditions of Use Bank of Melbourne This document does not contain all the terms of this agreement

More information

Interchange fees for card-based payment transactions

Interchange fees for card-based payment transactions Briefing March 2015 Interchange fees for card-based payment transactions SUMMARY Card-based payments have a growing share of retail payments, as do non-cash payments in both e-commerce and traditional

More information

Electronic Funds Transfer Policy

Electronic Funds Transfer Policy Electronic Funds Transfer Policy APPROVED BY: Ronald J. Paprocki DATE: February 2, 2010 PAGE: 5 I. Date of Initiation/Revision February 2, 2010 II. Policy Classification Treasury Department III. Policy

More information

PAYMENT CONDITIONS. Effective as of 10.06.2014 1

PAYMENT CONDITIONS. Effective as of 10.06.2014 1 1. Definitions In addition to the terms and conditions provided in the Current Account Contract Conditions and the General Conditions of the Bank, the following definitions are used in these Payment Conditions:

More information

Your RBS Basic Account Visa Debit Card

Your RBS Basic Account Visa Debit Card Your RBS Basic Account Visa Debit Card 1 Welcome to your RBS Basic Account Visa Debit Card You can start using your new card immediately. However, for security reasons some card users may need to activate

More information

ACCOUNT CHARGES. Your account charges explained

ACCOUNT CHARGES. Your account charges explained ACCOUNT CHARGES Your account charges explained September 2013 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges

More information

Suncorp Wealth Cash Management Account Product Information Document

Suncorp Wealth Cash Management Account Product Information Document Suncorp Wealth Cash Management Account Product Information Document This document contains information about the Suncorp Wealth Cash Management Account. This document must be read in conjunction with the

More information

ANZ EFTPOS card and ANZ Visa Debit card

ANZ EFTPOS card and ANZ Visa Debit card ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we

More information