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processing of cashless transfers of funds sent to VÚB from abroad

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processing of cashless transfers of funds sent from VÚB abroad or into another Slovak bank in a foreign currency

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check processing (bank, private)

The benefits of VÚB Bank

extensive network of correspondent banks, involvement in the SWIFT network, distribution routes of your choice - business locations or electronic distribution channels (Internet banking, Mobile banking, Contact),
long-term experience of bank employees in the field of foreign payments, membership in the international banking group Intesa Sanpaolo.

Smooth payments from abroad

VÚB bank shall make a payment on the basis of a document received from a foreign bank. In case of sufficient data on the document, the payment processing shall be processed online by clearing on the client's account on the day of the payment, not later than the next working day after receipt of the document.

VÚB Bank credits foreign payments to the client's account at the exchange rate of the day at the time of processing and at the amount stated by the foreign bank. Payments in counter-value in excess of the bank limit (above-limit operation) are processed at an individual rate.

Basic data needed to make a payment from abroad for a client of VÚB Bank via SWIFT:

  • Name of the bank:
    • Všeobecná úverová banka, a. s.
    • Mlynské Nivy 1
    • 829 90 Bratislava
  • Swift address of the bank: SUBASKBX
  • Beneficiary account number, including the bank code 0200
  • Unabridged name and address of the payment recipient
  • Purpose of payment (e.g., invoice No. XXX for goods, gift, etc.)

Payments from abroad by check

VÚB bank accepts all types of bank and private checks that are issued by a foreign bank or other institution, or person in a foreign currency or in EUR.

Bank and private checks have a limited maturity and must be submitted within the time limits set by the law (Act No. 191/1950 Coll. The Bills and Checks Act). At the same time, they must also comply with other conditions within the meaning of this Act. The check is presented by the check owner, that is, on the order of whom the check is issued. If the owner of the check is immobile, he / she will sign the check on the back of the checker in front of a notary, who shall draw up a certificate on it. Thereafter, the entrusted person may submit the check to VÚB bank, together with the certificate and the representation mandate.

Bank checks

They are issued by banking institutions. If the bank can verify the signatories' signatures by signature specimens, or at the client's request, verify the coverage of the check via S.W.I.F.T., it can pay the checks immediately upon submission. If it is not possible to verify the signatories of the check issuer, respectively its coverage, VÚB bank will take over the check for non-binding collection.

Private checks

They are issued by non-banking institutions, or legal or natural persons. For these checks, it is not possible to verify their coverage or signatories' signatures, so VÚB bank therefore only accepts them for non-binding collection. The value of the check is paid to the client only after the payment has been credited to them by a foreign bank. Payment of the check accepted for collection by VÚB Bank is executed on the client's account in the exchange rate from the day of the due date, that is, from the day when the payment was credited by the foreign bank and in cash by the current exchange rate.


Smooth payments abroad

Smooth payments abroad are performed on the basis of a correctly filled in payment order submitted by clients, which must be based on means of coverage. The client shall submit the payment order:

  • in person (Payment order, Web form - Foreign payments)
    Web form - Foreign payments
  • through electronic distribution channels (Biznis Banking, MultiChannel, Multicash)

VÚB bank shall ensure the processing of the payment order on the day of submission, if the client submits the payment order in electronic form by 3:00 pm and in paper form by 2:00 pm. If the client submits a Payment order after a specified time, the bank shall process the Payment order on the day of receipt, not later than the next business day.

VÚB Bank charges funds to the debit of the client's account online, in accordance with the exchange rate applicable at the time of submission of the Payment order. If a different due date is listed in the payment order than the day on which the Payment order is submitted, the funds will be charged to the account of the ordering party by the first exchange rate applicable on the due date. If funds are credited from the ordering party's account on a day other than the day of submission, the funds are billed at the first valid exchange rate on the current Banking Day. Payments in counter-value in excess of the bank's limit (over-the-limit operations) will be processed at an individual exchange rate.

What is a Non-SEPA transfer?

Non-SEPA transfer means a payment transaction:

  • A transfer in CM within and outside the EU and EEA (excluding transfers within VÚB, a.s.)
  • Transfer performed in EUR outside the EU and EEA
  • Transfers in EUR executed outside VÚB within the EU and EEA that do not meet the SEPA Eurotransfer terms
  • Urgent transfer performed in EUR and CM within and outside the EU and EEA (excluding transfers within VÚB, a.s.)

A non-SEPA transfer is only executed from a current account based on your completed Payment order submitted in a branch on the Payment order form, on forms accepted by us or entered electronically. We do not accept written Payment orders delivered by post unless otherwise agreed with you

Type of transfer to suit your needs

urgent transfer - transfer executed by SWIFT with the valuta of the current Banking business day on the Maturity date in which the correspondent bank or beneficiary bank has funds for the beneficiary on the processing date

standard transfer - transfer performed by standard SWIFT in which the correspondent bank or beneficiary's bank has funds for the beneficiary with the due date + 2 Bank business days from the date of receipt and processing of the Payment order, no later than 5 Bank business days from the date of receipt and processing of the payment order (D+4).

We carry out the transfer

by swift - platby zasielané prostredníctvom systému SWIFT od spoločnosti S.W.I.F.T. – The Society for Worldwire Interbank Financial Telecommunication, ktorý umožňuje komunikáciu medzi finančnými inštitúciami v tuzemsku a v zahraničí.

by a check issued by VÚB, a. s. - payments are performed by bank check in the following currencies: CAD, DKK, EUR, GBP, CHF, JPY, NOK, SEK, USD. A bank check can only be issued to a beneficiary abroad and cannot be submitted to a beneficiary for the purpose of the payment of the check value directly at VÚB Bank, as checks are payable at foreign banks. A bank check is sent abroad by registered mail, or, upon the request of a client, taken over personally by a client or sent by registered mail to the address of the branch, where the client picks up the check and signs the check.

a check issued by a foreign bank - payments are made by swift in EUR, USD and AUD swift at the relevant correspondent bank which issues the check and sends it to the beneficiary.

Fee instruction options

When making a payment abroad, or domestically, the client shall determine on the payment order the method of settlement of VÚB a.s. fees and a foreign or domestic bank by choosing from three options:

  • SHA - VÚB Bank fees are paid by the ordering party while the correspondent bank's fees and the fees of the recipient's bank are borne by the beneficiary. A transfer with the SHA fee instruction entered may be reduced by the fees of the correspondent banks and beneficiary bank.
  • OUR - VÚB Bank fees, fees of the correspondent banks and the beneficiary bank are paid by the ordering party. A transfer with the specified OUR fee instruction will be credited in full. Transfers with OUR instructions are performed as follows:
    • we change standard transfers in EUR to EU and EEA countries with OUR fee instructions without conversion to the ordering party's account when processing fee instructions from OUR to SHA,
    • in EU and EEA currencies (with the exception of EUR with the conditions specified in the previous paragraph) with OUR fee instructions to EU and EEA countries (including the Slovak Republic) and to Switzerland we charge, along with the transfer, the guaranteed OUR fee without the additional charging of fees to other banks to your account,
    • in other currencies outside the EU and EEA countries, and in the currencies of EU and EEA countries sent outside the EU and EEA countries and Switzerland, fees of other banks under the OUR instruction may be charged even afterwards,
  • BEN - VÚB Bank fees, fees of the correspondent banks and the beneficiary bank are borne by the beneficiary of the transfer. A transfer with the BEN fee instruction entered may be reduced by the fees of VÚB Bank, the correspondent banks and the bank of the beneficiary. Transfers with BEN instructions are performed as follows:
    • in the case of transfers sent to EU and EEA countries (including the Slovak Republic) sent in the currencies EUR, CZK, DKK, GBP, HUF, HRK, CHF, NOK, PLN, RON and SEK (hereinafter referred to as EU and EEA currencies) with BEN instructions on fees without conversion on the ordering party's account, we change the processing instructions for fees from BEN to SHA,
    • transfers sent in the currencies of the countries of the EU and EEA to the EU and EEA countries (including the Slovak Republic) with BEN fee instructions with conversion to the payer's account will be executed with BEN instructions,
    • transfers in AUD, CAD, JPY, RUB, TRY and USD (hereinafter only other currencies outside EU and EEA countries) into and out of the EU and EEA and in the currency CHF outside the EU and EEA countries without any change to the fee instructions. If no fee instruction is specified in the Payment order, we will issue the Payment order with a SHA fee instruction.

Cut-off times for submitting a Payment order

  • until 3:00 pm to make a standard transfer on the date of submission of the Payment Order submitted electronically;
  • until 2:00 pm to make a standard transfer on the date of submission of the Payment Order submitted at a branch;
  • until 3:00 pm to execute a Payment order in the form of an urgent transfer in EUR within the EU and EEA countries to the banks involved in Target2 on the date of submission of the Payment order submitted electronically;
  • until 2:00 pm to execute a Payment order in the form of an urgent transfer in EUR within the EU and EEA countries to the banks involved in Target2 on the date of submission of the Payment order submitted at the branch;
  • until 11:00 am to make an urgent transfer in EUR to banks not involved in Target2 or outside the EU and EEA, and CM on the day of submission of the Payment Order.

Web form for Foreign payments

The web form is designedfor the filling in of the Foreign Payment order in an electronic environment. . It can be used for foreign currency transfers, transfers for non-VÚB recipients and EUR transfers outside the EEA (European Economic Area) as well as a paper payment order for payment abroad. Payments are subject to fees in accordance with the pricelist of the VÚB Bank as the Foreign Payment order submitted to the branch.

After filling in the Payment order in the electronic environment, print out the form, duly sign it and submit it at the VÚB branch in paper form. For your needs, make a photocopy of the Payment order. You must have Adobe Reader in the 9.0 version or above installed to use the Web form.

In the field of Foreign payments, VÚB BANK allows - besides payments in EUR and basic foreign currencies - to execute payments in more than 100 selected foreign currencies where the client can pay various payments for goods, services, wages, contributions or gifts almost all over the world.

Benefits for the client

  • expansion of payment options in the area of Foreign Payments
  • standard completion of a Foreign Payment Order
  • realization at the beneficiary's bank with the valuta of the next business day
  • zero increase in transaction-related fees, foreign payment fees in accordance with the valid VÚB Bank price list
  • information about the foreign currency / EUR fixed exchange rate valid on the current business day - available at VÚB Bank branches

Submission of a Payment order

at a branch:

  • Foreign payment order (Non-SEPA transfer)
  • ZPP Web form (Non SEPA Transfer)

Electronically:

  • through Multichannel (Internet banking, Mobile banking, Call center)

The processing of a payment order

  • VÚB bank shall ensure the processing of a Payment order on the day of submission if the client submits the payment order in paper form by 2:00 pm and in electronic form by 3:00 pm.
  • If a client submits a Payment order after the set time, it will be processed by the bank on the next business day with the foreign currency / EUR exchange rate of the day.
  • Payments are charged in the sense of the VÚB Bank price list as a Foreign Payment order submitted at a branch or electronically. The client's account to which the payment will be charged must be in EUR.

Special requirements before making a payment

Payments in selected foreign currencies must be sent in accordance with the foreign exchange regulations (regulations) of the country concerned. If this does not happen, the foreign bank has the right not to make a payment and return it to the sender's account. In accordance with the foreign exchange or banking regulations of each country, the beneficiary of the payment is obliged to provide the documents - if required by the correspondent bank or beneficiary bank

List of countries with the appropriate local currency:

 

Name of the country Currency code Name of the currency
Albania ALL Albanian lek
Algeria DZD Algerian dinar
Angola AOA kwanza
Armenia AMD Armenian dram
The Bahamas BSD Bahamian dollar
Bahrain BHD Bahraini Dinar
Bangladesh BDT taka
Barbados BBD Barbados dollar
Belarus BYR Belarussian ruble
Bolivia BOB Boliviano
Bosnia BAM vouchers (convert. marka)
Botswana BWP pula
Brazil BRL Brazilian real
Bulgaria BGN Bulgarian lev
Burundi BIF Burundian franc
Chile CLP Chilean peso
China CNY Chinese Yuan
Congo CDF Congolese franc
Dominican Republic DOP Dominican peso
Djibouti DJF Djibouti franc
Egypt EGP Egyptian pound
Ethiopia ETB Ethiopian birr
Fiji FJD Fijian dollar
Philippines PHP Philippine peso
Gambia GMD dalasi
Ghana GHS cedi
Georgia GEL Georgian lari
Guatemala GTQ quetzal
Guinea GNF Guinean franc
Guyana GYD Guyanese dollar
Haiti HTG gourde
Dutch Antilles ANG Antillean guilder
Honduras HNL lempira
Hong Kong HKD Hong Kong dollar
India INR Indian rupee
Indonesia IDR Indonesian rupee
Iraq IQD Iraqi dinar
Israel ILS Israeli new shekel
Jamaica JMD Jamaican dollar
Jordan JOD Jordanian dinar
South Africa ZAR South African rand
South Korea KRW South Korean won
Cambodia KHR riel
Cameroon XAF franc BEAC / CFA
Cape Verde CVE Cape Verde escudo
Qatar QAR Qatari Riyal
Kazakhstan KZT Kazakhstani tenge
Kenya KES Kenyan shilling
Colombia COP Colombian peso
Costa Rica CRC Costa Rican colón
Kuvajt KWD Kuwaiti dinar
Lesotho LSL loti
Lebanon LBP Lebanese pound
Liberia LRD Liberian dollar
Lithuania LTL Lithuanian litas
Latvia LVL Latvian lats
Madagascar MGA Malagasy ariary
Malaysia MYR Malazian ringgit
Malawi MWK Malawi kwacha
Morocco MAD Moroccan dirham
Mauritius MUR Mauritius rupee
Mauritania MRO ukija
Mexico MXN Mexican peso
Mongolia MNT Mongolian Tugrik
Mozambique MZN metical
Namibia NAD Namibian Dollar
Nepal NPR Nepalese rupee
Nigeria NGN naira
Nicaragua NIO cordoba
New Zealand NZD New Zealand Dollar
Oman OMR Oman rial
Pakistan PKR Pakistan rupee
Papua New Guinea PGK Papua New Guinean kina
Paraguay PYG guarani
Peru PEN sol
Ivory Coast XOF franc BCEAO/CFA
Rwanda RWF Rwandan Franc
Saudi Arabia SAR Saudi rial
Sierra Leone SLL leone
Singapur SGD Singapore dollar
United Arab Emirates AED SAE dirham
Serbia RSD Serbian dinar
Sri Lanka LKR Sri Lanka rupee
Suriname SRD Suriname guilder
Swaziland SZL lilangeni
Solomon Islands SBD Solomon Islands
Taiwan TWD Taiwan new dollar
Tanzania TZS Tanzanian shilling
Thailand THB Thai baht
Trinidad, Tobago TTD dollar Trinidad and Tobago
Tunisia TND Tunisian dinar
Uganda UGX Ugandan shilling
Uruguay UYU Uruguayan peso
Vietnam VND dong
Venezuela VEF Venezuela bolivar fuerte
Zambia ZMK Zambian kwacha
Western Samoa WST tala

IBAN - The International Bank Account Number is an internationally standardized form of account number created in co-operation with the European Banking Standards Committee, which enables clear identification of the beneficiary's account, country and bank institution.

IBAN Structure:
IBAN is a combination of capital letters and numbers in the following structure:

  • 2 capital letters - country code (e.g. IT - Italy, SK - Slovakia, AT - Austria ...)
  • 2 characters - controlling digits enabling the program control of the account number
  • max. 30 characters - bank code, account number - account prefix and base account number

The IBAN can be made up of a max. of 34-character combination of the code of letters and numbers. In written form, IBAN spaces are divided into groups of 4 characters, in electronic form the spaces between the character groups are deleted.

Written form: SK33 0200 0000 0000 0001 2351 
Electronic form: SK3302000000000000012351

IBAN for the SR, it always has 24 characters,
for example:

Country code Controlling digits Account number
SK 33 0200 0000 0000 0001 2351
two-digit country code two-digit code bank code, account prefix, base account number

BIC - Bank Identifier Code = Bank Swift Code

BIC Structure:
BIC consists of a combination of 8 or 11 characters - capital letters or digits and is stated without any spaces

  • VÚB bank has the swift code SUBASKBX