Transfer and transfer are two terms that are often used interchangeably but do not mean the same thingDo you know the difference between transfer and transfer?Today, in addition to explaining both concepts and their differences, we are going to teach you how to carry out either of the two, through Ruralvía, easily, quickly and safely.
Technological advances make our lives easier and, when applied to banking, allow customers to access services 365 days a year, 24 hours a day. This has translated into greater convenience and proximity. While a few years ago, if we wanted to make a transfer or a transfer we had to go to the branch, now all you need to do is be a user of our bank's digital banking. In the case of Grupo Caja Rural, you will need to have your Ruralvía access codes.
Difference between transfers and transfers
The main difference between transfers and transfers lies in the banking entity .
Sending money from one account to another in the same bank is called a transfer . The transaction can be carried out between accounts of the same account holder or between different accounts of cameroon whatsapp data different account holders, but always within the same bank. In addition, the money is deposited immediately.
In the case of sending money from one account to another in different banks, it is a transfer and they are never instantaneous. How long does it take for the money from a transfer to arrive? The money can take between 24 and 72 hours to reach the destination account, depending on the time at which it is made and the type of transfer it is, for example a periodic transfer will be made on the day you have indicated. Also remember that to make a transfer you need the IBAN or SWIFT code .
On the other hand, internal transfers do not generally carry fees. Transfers do, and the amount will depend on each bank, depending on different factors.
Types of bank transfers
Transfers can be grouped into two large blocks: national or domestic and international, foreign or cross-border.
National or domestic : These are those in which both the sending by the sender and the receipt of funds by the beneficiary take place in Spain.
International . These are transfers in which funds are sent from an account in one country to an account in another country. As established by the Bank of Spain, when making a transfer of this nature, the following must be taken into account:
If the countries where the sender and beneficiary of the transfer are located are in the SEPA zone, they will have to pay the same fees as national payments. Countries in the SEPA zone are the member countries of the European Union (EU) as well as Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland.
If a correspondent bank is involved, the payer's bank must inform its customer of the possibility that the former may bear its own costs.
If IBAN and BIC are used, they are considered STP (Straight Through Processing) transfers, which are carried out automatically and are faster and cheaper.
How to make transfers and transfers in Ruralvía?
If you are a client of any of the Grupo Caja Rural entities, with Ruralvía you can make transfers between your accounts, national and international transfers, periodic and immediate payment transfers, as well as cash transfers from another entity without having to go to your branch.
To do this, you just have to:
Go to ruralvia.com
Identify yourself with your access data (username, NIF/NIE and password).
Select the 'TRANSFERS' tab from the identified part of Ruralvía.