Entered into force new rules on checks and bank transfers envisaged by the Decree crisis Tremonti (DL 78/2009) and European regulations Altroconsumo summarizes the news. As for checks, since 1 November last year, have shortened the collection times and days of currency:
Cheques: 3 working days for the currency of credit (is the day from which the funds are credited begins to bear interest) and 5 days for the actual availability of the account number;
cashier, currency, credit is a working day, while the actual availability is 4 working days.
Regarding transfers have been fixed maximum time value and availability to the beneficiary. Interest shall accrue from the first working day following the arrival of transfer (currency). The sum will be available on behalf up to 4 working days after the arrival of the transfer.
Implementation of the transfer, from November 1 came into force the new European legislation on payment systems, which establishes a maximum time for receiving transfers to the beneficiary bank: 3 working days from the date of acceptance of transfer . One term that applies to transfers to and from countries SEPA (the Single European Market of payments that includes the 27 EU countries plus Iceland, Norway, Switzerland and Liechtenstein).
Satisfied, but not too much commentary Altroconsumo. "This is definitely an improvement, but we can not settle. There are still too many days needed to send in the money transfer are available to the beneficiary. " And the Association is a concrete example: if on November 16 decide to make a transfer to Mr. Green, they will have interest on the amount within 4 working days (ie 20 November) and the availability within 7 working days (ie only 25 November).
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