Very often it becomes necessary to transfer funds through a bank to the recipient's account. This is easier than it seems at first glance. It is enough that all the details are known.
For accounting purposes, when making a purchase or because the recipient is far away, sometimes there is a need for a cashless transfer of money through a bank.
The sender has two options: to make the transfer on his own, or to contact the nearest branch of any bank (more often, of course, they go to the bank in which they have already served before).
Transfer via internet bank
The client of almost any bank today has the opportunity to serve (manage their funds and accounts) through the personal account of the Internet bank. Logins / passwords are provided upon request.
The operation can be performed by specifying only the beneficiary's personal account: if the beneficiary is served in the same bank. As a rule, such payments are made without a commission (or with a symbolic one), and take a short time (they are approved instantly or pass within a day).
If the beneficiary's account belongs to another bank, then in your personal account you can select a free payment template, where you must specify all the requested details (BIC of the beneficiary bank, correspondent account of the beneficiary bank, beneficiary's personal account, beneficiary name). Such payments are made with a commission of the sending bank (it is likely that a commission will also be charged from the recipient for crediting) and take approximately one hour to three working days in time.
Transfer of funds after personal contact with the bank
If the sender finds it difficult to make the transfer on his own, then you can contact the nearest branch of a convenient bank. The manager will ask for all the details of the transfer recipient (listed above). If the money for transfer is stored in an account opened with the same bank, then the employee will create a request for a cashless transfer from the client's account to the recipient's account using the details provided. If the client wishes to make a cash transfer, then a preliminary application will be created, and after depositing funds through the cashier, the transfer will be sent to the specified details. The situation with the deadline is similar to that of a transfer via the Internet bank.
There is no difficulty in performing this kind of operation. It is enough to clearly understand the principle and sequence of the transfer of funds. And there are not so many options: either this is an operation within one bank, or between two banks. Either transfer from the client's account (by bank transfer), or in cash.
Well, besides the above, it is recommended not to make mistakes when filling in the recipient's bank details.
