Concetti Chiave
- Credit cards, like Visa and MasterCard, allow customers to borrow funds for personal or business expenses, with fees and interest determined by the bank.
- Current accounts provide immediate access to funds and include features like chequebooks and cash cards, which require a PIN for cash withdrawals.
- Customers receive a monthly statement detailing deposits and withdrawals, and can request an overdraft for spending beyond their available balance.
- Deposit accounts are for funds not needed immediately, offering higher interest rates than current accounts and requiring a minimum balance.
- Before opening a deposit account, consider factors like interest rates, withdrawal limits, and any associated charges.
Servizi bancari principali
There are many services offered by banks, and they are: credit cards, current accounts, deposit account.
A credit card ( Visa, MasterCard ) is a plastic card that enables customers to get a credit on day-to-day personal or business expenses, up to a maximum limit.
Banks determine the annual fee, the credit available and the interest rate that will be charged on the outstanding balance of your account. When customers pay with credit card, the shop or company sends the bill to the bank, which will charge the amount on the customer’s account.
Gestione degli estratti conto
At the end pf the month the credit card company sends the customers a bill with the list of payments and charges.
An account which used for amounts of money which must be immediately available.
The bank gives a chequebook and cash card.
• The cash card looks like a credit card and it used to withdraw cash from the machines outside the banks or in very convenient spots ( cashpoint ). With the card banks will also give a personal identification number ( PIN ).
• The cheque is a written instruction to the bank ( drawer ) to pay a sum of money to the holder ( drawer ) or to another person ( payee ). The bank takes the money from the account and pays it to the person named on the cheque.
After opening an account you will get a monthly record of the deposits you made and the withdrawals made by cheque. If you want to spend more money than you have in your bank account you can ask for an overdraft. The bank determines the maximum amount which can be overdrawn as well as the interest and charges.
Caratteristiche del conto deposito
An account for founds which are left for long periods in the banks as they aren’t needed immediately. You can open a deposit account with a small sum of money.
Banks will give you a booklet to keep track of your money.
Before opening a deposit account you need to know:
• The minimum amount you must keep in the account;
• Interest rates;
• How much you can take out at one time;
• How often you can take money out of your account;
• Any charges for having an account.
The interest rate paid on a deposit account is always higher than on current account. For that reason, you should keep any excess cash in your deposit account rather than in you current account.
Domande da interrogazione
- ¿Qué es una tarjeta de crédito y cómo funciona?
- ¿Qué servicios ofrece una cuenta corriente?
- ¿Cuáles son las características de una cuenta de depósito?
- ¿Por qué es recomendable mantener el exceso de efectivo en una cuenta de depósito?
Una tarjeta de crédito es una tarjeta plástica que permite a los clientes obtener crédito para gastos personales o de negocios hasta un límite máximo. Los bancos determinan la cuota anual, el crédito disponible y la tasa de interés sobre el saldo pendiente. Al pagar con tarjeta de crédito, la tienda envía la factura al banco, que carga el monto en la cuenta del cliente.
Una cuenta corriente permite disponer de dinero de forma inmediata. El banco proporciona un talonario de cheques y una tarjeta de efectivo para retirar dinero de cajeros automáticos. También se puede solicitar un sobregiro si se necesita gastar más dinero del que se tiene en la cuenta.
Una cuenta de depósito es para fondos que se dejan en el banco por largos periodos. Se puede abrir con una pequeña suma de dinero. Es importante conocer el monto mínimo requerido, las tasas de interés, cuánto y con qué frecuencia se puede retirar dinero, y los cargos por tener la cuenta.
Es recomendable porque la tasa de interés pagada en una cuenta de depósito es siempre más alta que en una cuenta corriente, lo que permite obtener mayores beneficios por el dinero ahorrado.
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