Important for bank customers
Immediate transfers without extra costs are standard-you need to know that
So far, immediate transfers have cost many banks. From October you will become the standard. The EU money institutes are already late.
Bank customers also had to be patient in the digital age: transfers were usually only credited on the next working day. For immediate transfers, additional costs were due for many banks. However, this has come to an end from October: the transfers in seconds become the standard.
From now on, all banks and savings banks must be able to receive real -time transfers in euros. The money flows from one financial institution to another within ten seconds. The second step then follows on October 9: From then on, the banks are obliged to offer the immediate procedure for outgoing payments. The transfers may be carried out around the clock. For non-euro transfers within the EU, real-time transfer is to be implemented from 2027.
The risk of abuse is higher in the case of Sofortüberweisung
Another advantage for customers in addition to saving time: the transfers must not cause any extra costs. So far, many banks have been paid the service with a separate fee. Now this is only allowed if normal transfers cost something. However, the fee for conventional transfers must not be exceeded.
The service providers must also offer their customers a free, immediate review of the recipient’s identity in order to avoid transfers due to error or fraud. In practice, this is done by a comparison between recipient names and Iban. This is to prevent abuse – because the danger is significantly greater for immediate transfers. The consumer advice center warns of mindfulness, especially in the initial phase.
What you recognize employers who offer significantly more than money
Duty bike: The company car is out. A company bike is more worthwhile. The company car has been legally equal to the company car for five years. The employee can lease a bike from the company. Unlike the company car, he may use the company bike 100 percent privately. Another advantage: no complicated contracts do not have to be concluded. “Thanks to the tax benefits, the actual costs for the employee are very low. There is only a monetary advantage of 0.5 percent of the new price. Five euros have to be taxed for a wheel worth 1000 euros. In addition, there are low leasing fees, so that there are between 15 and 30 euros a month,” explains Dennis Meurer. “In addition, the bike is insured with theft.” So you can enjoy an e-bike with a purchase option after the end of the contract.
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Further
PayPal and Co. are much further
The background to the change is a decision of the EU Parliament from February of last year. The Christian Democratic EPP faction spoke of a “turn of time in payment transactions”. However, this is also long overdue: US services such as PayPal, Google Pay or Apple Pay have been offering such service for a long time. In this respect, it remains to be seen how the real -time transfers are accepted by customers at classic banks and savings banks.
Sources: ,, news agency dpa
Source: Stern
