International non-SEPA payments

 

Incoming payments

Incoming clean payments

VÚB banka shall execute the payment against receipt of the relevant payment instruction from the foreign bank. If the data contained in such a document is sufficient, VÚB banka processes the payment and credits the client’s account on line as at the value date of receipt of payment from the foreign bank, or the next business day following the receipt of the payment instruction at the latest.

When crediting a client’s account with a payment transferred from a foreign country, the bank uses the exchange rate valid at the time of processing, and the sum equals to that stated by the foreign bank. Transfers in amount exceeding the limit specified by VÚB banka are processed with actual market exchange rates.

Basic data needed for the transfer of a payment to a client of VÚB banka via SWIFT system:

  • Name of the bank:
    • Všeobecná úverová banka, a. s.
    • Mlynské Nivy 1
    • 829 90 Bratislava
  • BIC code of the bank: SUBASKBX
  • Beneficiary’s account number, including the bank code, i.e. 0200, if payment will be realized in EUR inform the payer about your IBAN
  • Unabbreviated name and address of the beneficiary
  • Purpose of the payment (e.g. invoice for goods, gift, etc. No. XXX)

Incoming payments by cheque

he VUB bank accepts all types of bank and private cheques issued by a foreign bank or any other institution or person in foreign currency or EUR.

Bank and private cheques have a limited maturity, and must be presented for payment within the statutory time limits (Act No. 191/1950 Coll. on Bills and Cheques). Any cheques must also comply with the other requirements of the aforesaid Act.

Bank cheques

These are cheques issued by banking institutions. If the VUB bank is able to validate signatures of the cheque issuer pursuant to specimen signatures, or upon the client’s request verifies coverage through the SWIFT network, the cheque may be paid on the spot. If the issuer’s signatures or coverage can not be verified, the VUB bank shall accept the cheque for dispensable collection only.

Private cheques

These are cheques issued by non-banking institutions, or legal entities or individuals. Verification of issuer’s signatures and coverage is impossible, and therefore the VUB bank only accepts them for dispensable collection. The sum is paid to the client only after receipt of payment from the foreign bank. Exchange rate applied at payment of an accepted cheque is the exchange rate valid on the date of receipt of payment from the foreign bank.

Outcoming payments

Outcoming clean payments

Outgoing cross-border payments are executed upon correctly completed payment order submitted by the client and covered by sufficient funds in the client’s account (payment and charges). A client may present payment order:

  • personally in the branch
  • via an electronic distribution channel (biznis banking, Internet banking, Call Centre,Multicash)

VÚB banka shall process the payment order on the presentation day if it is presented before 2:00 p.m., otherwise such a payment order is processed on the date of receipt thereof by the bank, or the next business day at the latest.

VÚB banka debits the client’s account on-line, applying the exchange rate valid at the time of payment order processing. Transactions in amount exceeding the limit defined by the bank are processed with actual market exchange rates.

Čo je Non-SEPA prevod

Non-SEPA prevodom sa rozumie platobná operácia:

  • Prevod v CM v rámci a mimo EÚ a EHP (okrem prevodov v rámci VÚB, a.s.)
  • Prevod vykonávaný v EUR mimo krajín EÚ a EHP
  • Prevod v EUR vykonávaný mimo VÚB v rámci EÚ a EHP nespĺňajúci podmienky SEPA-Europrevodu
  • Urgentný prevod vykonávaný v EUR a CM v rámci a mimo EÚ a EHP (okrem prevodov v rámci VÚB, a.s.)

Non-SEPA prevod vykonávame len z bežného účtu na základe Vami vyplneného Platobného príkazu predloženého v pobočke na tlačive Platobný príkaz, na nami akceptovaných tlačivách alebo zadaného elektronickou formou. Nepreberáme písomné Platobné príkazy doručené poštou, pokiaľ nie je s Vami dohodnuté inak.

Typ prevodu podľa vašej potreby

urgentný prevod – prevod zrealizovaný SWIFT-om s valutou aktuálneho Bankového pracovného dňa v Deň splatnosti, v ktorom korešpondenčná banka alebo banka príjemcu disponuje prostriedkami pre príjemcu v deň spracovania
štandardný prevod – prevod zrealizovaný štandardne SWIFT-om, pri ktorom korešpondenčná banka alebo banka príjemcu disponuje prostriedkami pre príjemcu s valutou + 2 Bankové pracovné dni odo dňa prijatia a spracovania platobného príkazu, najneskôr do 5 Bankových pracovných dní odo dňa prijatia a spracovania platobného príkazu (D+4).

The bank will execute a cross-border payment by:

  • S.W.I.F.T. - payments are transferred through the international system S.W.I.F.T. – The Society for Worldwide Interbank Financial Telecommunication – which facilitates communication between domestic and international financial institutions.
  • Bank cheque - payments by cheques are available in the following currencies: CAD, DKK, EUR, GBP, CHF, JPY, NOK, SEK, USD. A bank cheque can be issued for a foreign beneficiary only, and can be not presented for payment directly to VÚB banka, cheques are payable by foreign banks only. A bank cheque can be sent abroad via registered mail, or, upon client’s request, received by the client personally, or sent via registered mail to the client’s address (e.g. if the client needs the cheque to be accompanied with additional documents ).
  • SWIFT cheque – payments are transferred through the international system S.W.I.F.T. Cheque is issued by correspondent bank and delivered by mail to beneficiary (currency: EUR, USD and AUD).

Transfer Charge Settlement Instruction:

Client defines in the payment order manner of the settlement of charges of VÚB banka and foreign or domestic banks, by selecting one of the following three options:

  • OUR - charges of VÚB banka and the foreign/domestic bank to be borne by the payer - the beneficiary shall receive the payment in full amount, and bank charges of VÚB banka and the foreign/domestic bank shall be deducted from the payer’s account
  • SHA - charges of VÚB banka to be borne by the payer, and charges of the foreign/domestic bank to be borne by the beneficiary - the sum received by the beneficiary will be reduced by charges of the foreign/domestic bank (in case of low-sum operations the foreign bank may charge additional expenses, depending on the individual conditions of the respective foreign bank).
  • BEN - charges of VÚB banka and the foreign/domestic bank to be borne by the beneficiary - the sum received by the beneficiary will be reduced by charges of VÚB banka and the foreign/domestic bank (in case of low-sum operations the foreign bank may charge additional expenses, depending on individual conditions of the respective foreign bank).

Cut-off časy predloženia Platobného príkazu

  • do 15.00 hod. na vykonanie štandardného prevodu v deň predloženia Platobného príkazu predloženého elektronicky;
  • do 14.00 hod. na vykonanie štandardného prevodu v deň predloženia Platobného príkazu predloženého na pobočke;
  • do 15.00 hod. na vykonanie Platobného príkazu formou urgentného prevodu v EUR v rámci krajín EÚ a EHP do bánk zapojených v Target2 v deň predloženia Platobného príkazu predloženého elektronicky;
  • do 14.00 hod. na vykonanie Platobného príkazu formou urgentného prevodu v EUR v rámci krajín EÚ a EHP do bánk zapojených v Target2 v deň predloženia Platobného príkazu predloženého na pobočke;
  • do 11.00 hod. na vykonanie urgentného prevodu v mene EUR do bánk, ktoré nie sú zapojené v Target2 alebo sú mimo EÚ a EHP a v CM v deň predloženia Platobného príkazu.

Webový formulár pre Zahraničný platobný styk

Webový formulár je určený na vyplnenie Zahraničného platobného príkazu v elektronickom prostredí. Možno ho využiť na prevody v cudzích menách, na prevody pre príjemcov mimo VÚB a na prevody v mene EUR mimo krajín EHP (Európsky hospodársky priestor) rovnako ako papierový platobný príkaz na platbu do zahraničia. Platby sú spoplatnené v zmysle cenníka VÚB banky ako Zahraničný platobný príkaz predložený na pobočke.

Po vyplnení Platobného príkazu v elektronickom prostredí, formulár vytlačte, riadne podpíšte a predložte v pobočke VÚB banky v papierovej forme. Pre Vaše potreby si urobte fotokópiu Platobného príkazu. Na použitie Webového formulára je potrebné mať nainštalovanú minimálne verziu Adobe Reader 9.0 a vyššiu.

Webový formulár ZPP

Platby v cudzích menách

 

EBA STEP2

In connection with entry of Slovak Republic to European Union and with the aim to standardize processing of payments in EUR is VÚB banka integrated in european clearing system EBA-STEP2..

EBA-STEP2 is payments system, which permits automated processing of payment up to EUR 50.000,00 within the banks of EU, EEA and Switzerland.

To send payment via EBA-STEP2 is needed to fulfil following criteria (apart from standard data):

  • currency EUR
  • payment type - standard or accelerated
  • correct beneficiary´s account in IBAN form
  • BIC - swift code of beneficiary´s bank within EU, EEA and Switzerland
  • charges instruction - SHA - charges of ordering bank are born by ordering bank and charges by beneficiary bank are born by correspondent and beneficiary bank

If payment fulfils all criteria, VÚB banka guarantees, that payment will be realized via EBA-STEP2 system. In this case client pays charges of VÚB banka only, payment in beneficiary´s bank is processed in full amount - without any deduction.

Cenník

2.2.1 Prijaté bezhotovostné SEPA-Europrevody 1) a Non SEPA-prevody 2) (z tuzemska, v rámci a mimo krajín EÚ a EHP) 3) a SEPA inkasá 4) (tuzemské, v rámci SEPA krajín 5), v rámci VÚB, a. s.) Cena
2.2.1.1 V prospech klientov VÚB, a s. (okrem vkladu v hotovosti) bezplatne




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