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There is so much to discover about current accounts and news that could come into effect in 2019. The conditional is essential because it is difficult to know if the badumptions of badets, seizures and locks meet the reality or are only mere speculations. How to protect savings? How to open an account abroad? And what are the thresholds for maximum payments and withdrawals? And finally, in light of the expected rise in current accounts, how to save?
Current account: how to protect savings. Open an account abroad
In the light of eventual participation, some suggest opening a foreign current account. No technical difficulties, but two clarifications are essential. In the first case, a traceable channel must be used to transfer funds, such as a bank or a financial intermediary. At the end of the year, the payment of Ivafe, the tax on financial securities abroad, must be settled. This is a rate of 2 per thousand on the deposit amount.
Maximum Payments and Withdrawals: Current Thresholds
What are the current thresholds for maximum withdrawals and deposits on current accounts? How has the use of cash been limited to combat tax evasion? Until the end of the year, and unless changes occur on the horizon, even for the whole of 2019, the transfer between individuals of cash and securities at the end of the year. bearer of a total amount equal to or greater than 3,000 euros remains prohibited otherwise he uses authorized subjects such as banks. The ban also applies to split transfers, in the form of more bearer checks, even if each is less than 1,000 euros. News also for checks and booklets. Bank checks, circular checks or postal checks with an amount equal to or greater than 5,000 euros must include the non-transferable clause.
Anyone wishing to continue to use free checks of less than 5 000 euros can do so on simple written request addressed to his bank and for each check issued or issued without charge, without the non-transferable wording, the payment of A stamp duty of 1.50 euro that the bank pays to the state. The old checkbooks, issued before the coming into force of the new regulations, can be used until exhaustion. For amounts equal to or greater than 5,000 euros, it is necessary to validate them by inserting the non-transferability clause. On free-form checks, each turn, under pain of nullity, must indicate the tax code of the person who does it. Checks made out to "myself" can only be returned to a bank or post office counter. They are considered non-transferable and can only be collected by the issuer, who can not hand them over to others.
The balance of the bearer deposit books can not be greater than or equal to the sum of 5,000 euros. For those that exist, there is extinction or reduction at the stability threshold by law. Therefore, the anonymous opening and fictitious section of accounts or savings booklets, as well as their use if they are opened in a foreign country are prohibited. The deposit books can not be registered and, in the case of possession of bearer books, it is possible to extinguish them until 31 December of this year.
Increase current accounts and how to save
To save money, it is possible to eliminate as many items as possible compared to actual needs. Check the difference between online proposals and those of physical banks. Compare i current accounts cheaper than the moment is always a good idea. Because if the opening of a current account is generally free, it is the costs of the operations which affect also and especially, because in 2019, price increases have been announced, even for the banks which only operate via the web. The alarm bell gives another alarm: for some transactions, price increases exceed 50%. This is the case of the payment in cash and checks This is why it is necessary to carefully choose the solution closest to the real needs. Pay attention, for example, to pay and credit card fees. To understand each other, they are increased by + 48.02% and + 40% respectively.
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