HSBC

[milko]

Kakvo vi e mnenieto za HSBC dali e dobre da si otvoria smetka tam predi da sam otishal v Canada?

[hullboy]

Zdrasti

Zasto ti e da si otvarjas smetka oste ot BG. Izchakai dokato doides tuk, ubeden san che v BG imat taksi za otvarjane na smetka v tazi banka. a tuk e bezplatno otvarjaneto na smetk. Otdelno tova e vazmozno nai losata banka v Canada.

Imat nai malko ofisi po 1 -2 v grad. v sravnenie s drugite tova e malko drugite imat po 30 -50 ofisa.

Silata na tazi banka e che predlaga smetki v razlichna valuta, drugite predlagat v CAD, Euro, USD, no te sa ti dostatachnii

Tazi banka raboti predimno s depozirane i izplastane s Bank Draft i cheques, i elektronno razplastane

Nedai boze da si poiskas parite v cash ( govorja za Euro, GBP imat taksa ot 4% ) tova e uzasno visoko v sveta na finansite ako imas 1000 Euro po smetka ste ti dadat 960 Euro cash, drugite 40 otivat v bankata
kato bank fee.

Dobra e samo ako si firma i imas razplastane v Razlichni valuti, elektronno primerno v Hong Kong Dolarai

Priaten den

Robert / Hullboy

[milko]

Blagodaria za podrobnia otgovor. Imah ideia da otida do Turcia tam imat klonove i da si otkria smetka s ideiata kato doyda v Canada da bade po lesno no i moy priatel koyto jivee ot 3 godini v Montreal mi kaza che niama smisal.

[valBG]

Zdr

Mnogo dobra ideya

zashtoto grajdani na USA & Canada nemogat da imat OFFSHORE accounts

no samo v MALTA mojesh da si otvorish tam e nai lesno

az probvax v LLOYDS ama ne pratix pari i mi otkazaxa

vajnoto e da poiskash CREDIT CARD kam smetkata shte ti lyaga oloko 4.75% da teglish ot bankomat v Canada i 0.5% da plashtash po internet

taksite za osrebryavane na 4eck po smetkata sa okolo J5 GBP (kogato zaxranvash smetkata s 4eck)

i 0.5% ako plashtash v magazin kakto drygite Credit Cards

Ako me pusnat az smyatam da stana OFFSHORE-c

valBg

[bgmontreal]

Zdr

Mnogo dobra ideya

zashtoto grajdani na USA & Canada nemogat da imat OFFSHORE accounts

no samo v MALTA mojesh da si otvorish tam e nai lesno

az probvax v LLOYDS ama ne pratix pari i mi otkazaxa

vajnoto e da poiskash CREDIT CARD kam smetkata shte ti lyaga oloko 4.75% da teglish ot bankomat v Canada i 0.5% da plashtash po internet

taksite za osrebryavane na 4eck po smetkata sa okolo J5 GBP (kogato zaxranvash smetkata s 4eck)

i 0.5% ako plashtash v magazin kakto drygite Credit Cards

Ako me pusnat az smyatam da stana OFFSHORE-c

valBg

abe hora ot kade gi imate tezi infos?
zashto pone ne pusnete tarsachka w Inet predi da goworite?
0.5% kakto drugite Credit Cards -koi drugi CC?
na koi e zabraneto, kakwo e zabraneno?

Abe izobshto towa saobshtenie e super - prosto biser, wse edno cheta titanite na misalta ot Monitor, Trud ili drugite westnicheta.

[valBG]

bgmontreal

ti nyakoga probval li si da si napravish OFFSHORE smetka?

za HSBC v London e mnogo trydno da si otvorish ako si otvorish takava smetka 4ak sled 1-2 godini shte ti dadat pravo da si izvadish CREDIT CARD

v Malta e nai lesno i izdavat CC

kakvo drugo tryabva da znam?

samo spodelix 4e se opitax da otvorya v Lloyds no ne mi pozvolixa sled 1 mecec imam pravo pak da opitam
Procedurata e sashtata kakto pri HSBC ama malko po eftina na men mi legna 60 leva

otkazaxa mi zashtoto iskaxa da pratya 4ek s pari za otvaryane na smetkata a az im pratix pismo na xartiya s koyto iskax da mi kajat smetkata i da pratya parite s transfer

Otnosno taksite
4.75% kogato teglish ot bankomat
0.5% drigi ....
za 4.75 ne sam sigyren moje i da beshe 4.25% no moga da gi pogledna

valBG

[bgmontreal]

bgmontreal

ti nyakoga probval li si da si napravish OFFSHORE smetka?

za HSBC v London e mnogo trydno da si otvorish ako si otvorish takava smetka 4ak sled 1-2 godini shte ti dadat pravo da si izvadish CREDIT CARD

v Malta e nai lesno i izdavat CC

kakvo drugo tryabva da znam?

samo spodelix 4e se opitax da otvorya v Lloyds no ne mi pozvolixa sled 1 mecec imam pravo pak da opitam
Procedurata e sashtata kakto pri HSBC ama malko po eftina na men mi legna 60 leva

otkazaxa mi zashtoto iskaxa da pratya 4ek s pari za otvaryane na smetkata a az im pratix pismo na xartiya s koyto iskax da mi kajat smetkata i da pratya parite s transfer

Otnosno taksite
4.75% kogato teglish ot bankomat
0.5% drigi ....
za 4.75 ne sam sigyren moje i da beshe 4.25% no moga da gi pogledna

valBG

1wo az wse oshte operiram americanskite si klienti prez corporaciata mi v Nevada (shtata koito mnogo hora smiatat za offshore poradi specifikata mu),
2ro wij edin ot hiliadite linkowe:
http://www.taxhavenco.com/canada.html
3to ako imash tolkowa pari che da gi kriesh w offshore edwa li shteshe da imigrirash w Kanada
4to ako iskash da plashtash nenujni bankowi i transakcionni taksi, to si dobre doshal v Kanada
5to imash li i nai-malka predstawa kakwo pechelish s offshore? nai-malka?
6to HSBC v London i OFFSHORE?
7mo dobre si namislil kak da teglish, a kak da wnasiash mislish li? ili po balgarski shte go karame?
8mo ....

[Molson]

shto se zanimavate s gluposti.
ia elate parvo v CANADA pak posle kolkoto si smetki tolkova si otvariaite. nikakav problem. dori i s credit accounts ne e problem. samo elate tuka i shte im razkajete igrite. nikak ne e trudno. fasulska rabota.
posle shte minete i na elektronno bankirane i drugi ekstri. samo da ste tuka i da imate prilichni dohodi.

[valBG]

zdr

bgmontreal

tova se prevrashta v zayajdane

taka temata beshe HSBC

az li4no sam dovoril s 4ovek koito ima takava smetka v UK

no i toi po moite stapki parvo sa my otkazali i si otvoril v Malta
TOVA po HSBC

Az spodelix moya opit s Lloyds

Ako nyakoi iska da plashta takiva komisionni kakto mnogoto LINK-ve v NETA tova e negov problem

kakto kazax na men mi stryvashe 60 lv za prevod na dokymentite i prepora4ano pismo

TAKSI za obslyjvane na smetkata nyama
Lixvi ne se plashtat
Ima E-banking
predlagat Credit Card



TOVA e adresa na OFFSHRE klona


Lloyds TSB Bank plc
PO Box 349
1 Waterloo Place
London
SW1Y 5NJ
UK

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TOVA sa taksite


info : J1= 1GBP



card fees


• there is no annual fee for your credit card*


• an additional card is free





* Unless you opt for an annual fee on your createcard.




credit card cheques


• there is a handling charge of 2% (minimum charge is Ј2)





Please note credit card cheques are not available for createcard.




copy statements


• your latest paper statement is free. If you order an earlier paper statement, our fee is Ј6 a copy





copy of sales voucher or renewal of credit card cheque


• each voucher or cheque costs Ј5. If we find an error has been made, this will be free





receipt for payment


• a receipt for a payment made into your account costs Ј2





cash advances (including the purchase of foreign currency and travellers' cheques and credit card cheques)


• our handling fee is 2% of the amount withdrawn (the minimum charge is Ј2)





foreign currency transactions


• our charge is 2.75% of the transaction’s value. This charge is an addition to the above cash advance handling fee





charges we may make if you go outside the conditions of your credit card agreement




cheques and direct debits returned unpaid


• our fee is Ј20 for each payment we cannot collect





stopped credit card cheques


• our fee is Ј17.50





spending more than your personal credit limit without agreement


• we charge Ј20





if we don’t receive at least the minimum payment by the date shown on your statement


• we charge Ј20



If we do make any of the charges listed above, we will normally debit them through your account. We may charge for reminders, notices and other expenses as a result of the conditions being broken and debit your account. We will notify you in advance, normally on your statement, if a charge is due.




other charges




if you request access to personal data we hold under the Data Protection Act


• our fee will be Ј10 payable by cheque

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Current account monthly charging period • Current account charges • Cashpoint and Debit card charges





Current account monthly charging period


Charges are assessed monthly. The period for which we calculate the charges depends on the type of account you have.


Classic and other accounts Select Platinum/Gold
If your sort code starts 30/xx/xx and you opened your a/c before 23/04/01 10th - 9th† 10th - 9th 10th - 9th
If your sort code starts 30/xx/xx and you opened your a/c between 23/04/01 and 04/06/01 10th - 9th or 2nd - 1st (please check with your branch) 10th - 9th or 2nd - 1st (please check with your branch) 10th - 9th or 2nd - 1st (please check with your branch)
If your sort code starts 30/xx/xx and you opened your a/c after 04/06/01 2nd - 1st+ 2nd - 1st 2nd - 1st
If your sort code starts 77/xx/xx or 87/xx/xx 2nd - 1st Before 02/03/01 Anniversary* 2nd - 1st
After 05/03/01 2nd - 1st

* Anniversary means that the monthly charging period is based on the date your Select account was opened (or your account was converted to Select) to the close of business on the last day before this date.
† Monthly charging period - we work out the charges from the 10th to the close of business on the 9th of each month except when either of these dates falls on a weekend or a bank holiday. On these occasions we will calculate charges to the close of business on the next working day.
+ Monthly charging period - we work out the charges from the 2nd to the close of business on the 1st of each month except when either of these dates falls on a weekend or a bank holiday. On these occasions we will calculate charges to the close of business on the next working day.






If any current account transaction charges are due, we work them out each month and show them in advance on the next statement we send you – then deduct them at least 14 days after the date of the statement.


If you are due to pay charges and your next statement is not due within a month of the end of the charging period, we will send you an extra statement free of charge.




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Current account charges


Classic Account / Cheque Account
-when you are in credit or overdrawn Free
-when you are overdrawn we waive interest on the first Ј10
Select current account
-when you are in credit or overdrawn Ј5 monthly fee
-For arranged overdrafts, we waive the interest for the first Ј50
Gold Service current account
-when you are Ј1,500 or more in credit during the entire charging period Free
-below Ј1,500 in credit Ј8 monthly fee
When you are overdrawn, we waive interest on the first Ј100
Platinum current account
-when you are Ј3,500 or more in credit during the entire charging month Free
-below Ј3,500 in credit Ј12 monthly fee
When you are overdrawn, we waive interest on the first Ј250





* From the September 2001 charging period we will no longer charge this fee.




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Cashpoint and Debit card charges


When you take out cash
From a Lloyds TSB Cashpoint Free
LINK Machine
All LINK cash machines will give you an advance, on-screen warning about any charge that may apply. This warning will tell you who's making the charge and give you the option to continue or cancel the transaction. Lloyds TSB does not levy a charge but the owner of the machine may do so
From non-LINK cash machines in the UK, machines worldwide displaying the Visa sign, or over the counter at a bank or any other outlet displaying the Visa sign 1.5% of the amount you take out (minimum Ј1.50)
When you use your card to buy foreign currency or travellers cheques
From any of our branches No handling charge
From any other outlet displaying the Visa sign or Travel bureaux 1.5% of the amount you take out (minimum Ј1.50)
All transactions abroad
Cash withdrawals and purchases are also subject to 2.75% foreign exchange administration fee
Mini Statements Free
Requesting a receipt Free





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These charges are correct as at November 2001.


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TAKA moite idei moje i da se zablujdavam

Imam takava smetka
da teglya ot bankomat izliza skapo no moje da se plashta s kartata

polu4avam pari na tazi smetka 4rez www.paypal.com naprimer

obshto razxodite se svejdat do 5% maximum

KOLKO % sa danacite v Canada? MOLAYTE otgovori mi

ako iskash pove4e info nyama problem

az vinagi sam daval info za tova koeto znam


valBG