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34 min ago
On Tuesday, many savings banks are releasing a new feature: real-time transfer. What customers need to know
The girlfriend quickly repays the borrowed money, buys a used car without much money or sweaty banknotes in time to hand over – with normal transfers that run away there precious days. The real-time bank transfer, which many savings banks will open Tuesday, is significantly faster.
What does real time mean?
The money must be paid into the recipient's account in 20 seconds, at any time of the day or night. , promise the savings funds. However, this requires banks to participate in the system.
What is the difference from the standard transfer?
The standard transfer usually takes one business day and is related to opening hours. There is no limit, but real-time transfers are initially limited to 15,000 euros per transaction. In addition, the account holder learns in seconds whether the transfer has been successful. With a standard bank transfer, it can take days for the money to come back after a bad booking.
How much does the service cost in real time?
Prices vary by bank. Sparkasse Köln Bonn, for example, does not charge anything or 60 cents for private customers, according to the checking account. Berliner Sparkasse charges between 25 and 55 cents per transaction. Real time transfers with the "Kwitt" money transfer feature of the Sparkassen app are free.
How does the service work?
Sparkasse customers can select the online banking service as well as transfers in the Sparkassen app on their smartphone. If the transfer succeeds, it automatically appears as a debit entry. If real-time transfer is not possible, customers will receive a message with the TAN request and will be able to request a standard transfer without re-entering the data. If there is an error after entering the TAN, customers will immediately receive a credit for debit
Who still participates in the system?
The pioneer in Germany was the HypoVereinsbank. On the other hand, Deutsche Bank customers must be patient because they will only start service in November. Banks Volksbank and Raiffeisen want to introduce the service in the first half of 2019, Commerzbank can not yet appoint an appointment. In addition to the German banks, according to the list of savings banks, many Austrian, Italian and Spanish banks are already participating in the system. (afp)
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