Monthly Archive: February 2019

Double-charged money when paying by card

Paying with the card is convenient and secure. However, there are also smaller and larger problems associated with this transaction method. One of them is a double withdrawal of money at the payment – stationary or online. What should we do in this situation?

Payment with the card lasts today only a few moments – we can pay with the confirmation PIN or touch, that is by applying the card to the terminal. However, there may be problems with the transaction – our card is rejected, no connection is possible. It may also happen that money will be taken from our account twice.

The store may have trouble connecting to the internet, the terminal prints a refusal, the first touch transaction “did not catch” and you have to repeat it. There may also be a terminal failure or it is on the side of the card issuer. It is in such cases that you can get double money. When this is the case, it is worth checking the account history if the transaction has been correctly settled.

If it turns out that your account has a double load, while it should only be one, then you should take a few steps.

Downloading funds or blocking them?

Podwójnie pobrane pieniądze przy płatności kartą

When we see the double sum of money – the same amount and the same hour, then the most common happens that one transaction causes the funds to be collected, while the other causes their blocking. What is the difference between blocking and collecting funds from an account?

The collection of funds or their deduction is based on the fact that funds are withdrawn from the account and transferred to the seller. In turn, the blockade blocks the appropriate sum in the account but does not cause them to be collected – these funds can be downloaded from the account or they can be “released” and returned to the customer.

Therefore, when we had problems with the payment in the terminal, it may happen that such a transaction results in the blocking of money in the account, but it does not really take them. Usually, the problems end – only one amount is collected and the blockade disappears. What, however, should we do when it actually happened twice to collect the money?

Make a complaint at the bank

If money has been collected from us twice, in this case, we should make a proper complaint with the bank. We can now do it in several different ways, including via the website, in person at the facility, by phone or by post. In the complaint, we should describe our problem.

Most often, the complaint allows us to solve the presented problem. In many cases, it is dealt with in a flash, but we have to prepare even for a few weeks waiting for a response.

In conclusion, double withdrawal from the account is a problem, but it is quite easy to solve. Often when it is on the side of a bank or card company and is part of a larger breakdown, it is automatically corrected. In the opposite case, when the money was collected twice, we should file a complaint with the bank and wait for its consideration.

On-line shopping – what to pay to get a package as soon as possible?

 

Do not like to wait for packages from an online store? However, there are ways to speed up delivery. We advise you on what to do to enjoy it even the next day!

 

We are increasingly choosing online shopping. They are an excellent alternative to shopping in ordinary stores – not only we have a wider choice, but also we can shop more comfortably, faster and pay even less for them.

The main downside of buying online is waiting for a shipment from the seller. Depending on where you shop, as well as the method of payment and shipping you choose, we can wait for a few days or even more than a month.

However, you can speed up the shipment – for this purpose, it is worth remembering some important tips. Get to know them now!

  1. Check the shipping time

Before we make purchases in any online store, we should see what the declared shipping time is. It happens that the seller only has to bring goods for us or send it not from Poland, but from another country, for example from China.

As a result, the delivery time is longer and we have to wait impatiently for the package. Information on the time of sending individual items can be found most often on their websites and in the regulations of the online store.

  1. Choose the right payment method

The method of payment also affects the duration of the order – it is best to opt for a store that accepts payments via fast online payment systems.

Thanks to this, even when paying for the order via an interbank transfer, we will be able to receive the package instantly – the seller will then immediately receive payment information and will be able to pack and send the goods.

Also, we can speed up the shipment by picking a package with cash on delivery, but it is usually more expensive than paying in advance.

  1. Choose a quick delivery method

Another issue is choosing the right method of delivery of the ordered items.

Parcels sent by courier companies and priority letters and parcels are the fastest – and we can usually have them at home the next day (in the case of Polish Post parcels and letters only if they were sent to a certain time of the previous day).

In most cases, parcels sent to Parcel Lockers also arrive quite quickly. They are usually placed in devices the next day. The advantage is the ability to pick up the package at any time – we are not limited by working hours of the post or courier company.

  1. Read reviews about the seller

Finally, it’s worth pointing out the fact that the seller’s reliability is affected during the order. Many stores realize orders right away, that is, send parcels on a regular basis. However, there are also shops where customer service is not at the highest level.

To reduce the risk when buying it is worth to see in advance what are the opinions of a given online store. When they are positive and also exposing people, they indicate the quick delivery time, it is worth choosing an offer. Otherwise, it’s worth looking for another one.

Moving to a new bank. What about the account number?

When we want to set up our first bank account, we have many interesting offers to choose from. It’s worth taking a close look at it to find one that will meet all our expectations. However, over time the offer may cease to meet our expectations and something better may appear on the horizon. Then it’s worth thinking about moving to a new bank. What happens to our account number then?

Moving to another bank is not a very complicated process at all. Many of us associate such operations with time-consuming and demanding writing of a number of documents, but currently, the regulations allow us to settle everything expressly.

We can transfer the account both independently and can also help us with this new bank. This is due to the fact that since 2010 the recommendation of the Polish Bank Association has been binding, which obliges banks to facilitate the transfer of their clients.

Account transfer – step by step:

  1. We choose the right offer – it is worth getting acquainted with the various offers of banks in the field of personal accounts, let’s check the costs that we have to take into account, the conditions that we must meet in order not to pay. We can also use special bank account rankings for this purpose.

  2. Submit an application for opening a new account in a new bank – it is best to open new ones for you before closing an old account. We can do it now via the Internet or in an outlet.

  3. We are moving to a new account – we can do it ourselves or with the help of a new bank, to which we give the appropriate authorization. The second solution is more convenient, especially when we have fixed orders in the bank, direct debits, we have to notify many offices about account changes. When we do not have orders from the account, we do not have to notify the institution, we can move – usually, it is enough to transfer the sum that has been left in the old account for this new one.

  4. Account closure – when we have chosen the option of helping a new bank, then we will also get help when we do everything ourselves, then we go to the old bank in person or we arrange the formality by post or via the internet.

What about the number of our bank account?

Przeniesienie się do nowego banku. Co z numerem konta?

Many people think that moving to a new bank is very similar to transferring a telephone number from one operator to another. In this case, however, we do not transfer the account number, but we receive a completely new number. Therefore, it is so important to let everyone know that we have a new account number. Let’s change it in offices, on portals where we sell, pass on to family and friends.

The inability to move to a new bank together with our old bank account results from the fact that banks have certain digital distinguish marks of banks assigned to them. These are the digits in the third to tenth position, which is why we can identify the bank by the bank account number.

When will the bank charge us a fee for using a payment card?

Fees for using payment cards are an additional cost of running a bank account. It is therefore worth avoiding fixed fees for having payment cards. It is necessary in this case to meet certain obligations set by the bank, which allows you to reduce the cost of holding a payment card.

In banks, fixed fees are charged for having a payment card for an account most often when no transactions are carried out. It is rare that fees for using payment cards to bank accounts are accrued without additional obligations imposed by banks, the fulfillment of which allows to avoid payment for debit cards.

Banks charge such payments primarily due to the costs imposed on payment card issuers. If you want to use the most advantageous price offers of banks in the use of payment cards, it is very important to check and compare various bank account offers.

Then you can conveniently select offers that allow you to limit payments to zero.

Fee amount

The fixed monthly fee for having a payment card for a bank account is usually several zlotys. It is not a big monthly fee, but on a yearly basis it can be quite large and an additional cost of having a bank account. Therefore, it is worth avoiding such a cost by searching for bank accounts where the fulfillment of the bank’s obligations allows you to limit the fee to zero .

Most often, banks make payments for payment cards dependent on a turnover on a bank account on a monthly basis. It is necessary to execute a certain number of card payments or exceeding a certain sum of purchases with a payment card so that a fixed fee will not be charged.

When a bank account is set up it is worth checking if you want to use a payment card what is the amount of the fee and whether the bank provides the possibility of exemption from such a payment if the set conditions in the contract with the bank are met.

 When is the payment card fee charged?

Kiedy bank naliczy nam opłatę za korzystanie z karty płatniczej?

 

Charges for payment cards are calculated every month, which can be checked on the bank statement sent to the clients in electronic form. If the statement is not sent then you can check this information in the transaction history for electronic accounts. However, when certain conditions are met, which allow for exemption from the fee, such a fee does not appear on the statement of account in the given month.

At the same time, fees are calculated in a given month for the previous month in which the payment card was used. This is due, among other things, to the fact that banks are able to check whether the client has met the conditions that allow the exemption from the payment. In general, it is worth trying to be released from the payment card fee, which allows you to use the free bank accounts.

If you have chosen a free account and you are charged for a payment card then you may find that such a bill is not really so beneficial.