Settlements
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Domestic and foreign payments and settlements
Bank DnB NORD Polska processes – upon the order of its Customers – domestic and foreign payments. The Internet banking system iNORD Business offered by the Bank allows for immediate and safe processing of orders. The Bank participates in the system of the National Clearing House, which assures quick and efficient settlement of domestic transactions in the ELIXIR system; the Bank is also a member of the Sorbnet system. Thanks to the possibility of using an extended network of correspondents and direct participation in the SWIFT system (Society for Worldwide Interbank Financial Telecommunications) Bank DnB NORD efficiently settles foreign payments around the whole world. Since March 2005, the Bank has also been a participant of the Euroelixir and Eurosorbnet systems, which allows for efficient acceptance of domestic payments in EUR and cross-border payments up to the amount of EUR 12.5 T.
Bank DnB NORD Polska offers the following types of transfers and service systems:
- Cross-border EuroELIXIR transfers at a fixed price of PLN 5.00. This is one of the lowest prices on the Polish market with respect to this type of transfer – it approximates the price of a domestic transfer (the prices of cross-border transfers usually exceed PLN 10.00). Transfers of this type allow the Bank customers to significantly reduce the costs of transactions in EUR to their European contractors. The cross-border transfers include foreign payments sent to the majority of the European Union countries and the associated countries: Austria, Belgium, Cyprus, Denmark, Estonia, Finland, France, Greece, Spain, Holland, Luxembourg, Latvia, Monaco, Germany, Norway, Portugal, Slovenia, Sweden, Hungary, Great Britain and Italy. The transferred amount cannot exceed EUR 10,000.00
- Urgent transfers – processed as first during a given working day. Domestic urgent transfers sent between 1.00 p.m. and 3 p.m. are delivered to the beneficiary’s bank on the same day. Foreign urgent transfers are processed with the so-called “zero currency date.” The sending of an urgent order is possible by means of the iNORD Business system, after marking the “urgent transfer” option.
- With respect to the companies which have settlements with foreign contractors, mainly importers, the Bank offers the NORDimporter package, which guarantees quick settlement of liabilities and significant reduction of costs. The package includes a free-of-charge opening of the account and implementation of the Internet banking system for companies – iNORD Business, free-of-charge transfers in USD to a selected country (until the end of 2006), transfers to the European Union countries at a fixed rate of PLN 5.00 – for transfers not exceeding EUR 10,000.00 and PLN 20.00 – 90.00 for transfers above EUR 10,000.00, as well as a possibility of negotiating foreign exchange rates.
- Incoming bulk transfers, processed by means of the NORDcollect system, prepared mainly for companies which want to automate the process of settling receivables and cash payments. After the processing of payment, the Customer’s account is credited with an aggregate amount of payments, which is displayed on the bank statement. Additionally, the Customer receives a detailed report in the form of a text file with all the payments. The advantages of using NORDcollect are: time-saving (by means of using electronic data exchange), possibility of generating detailed reports, possibility of full automation of the processing and settling receivables (by means of integrating the Customer’s financial and accounting system with the iNORD Business Internet banking system).
- Outgoing bulk transfers system is constructed in a manner that the Customer’s account is debited by one aggregate amount of payments, which is displayed on the bank statement, as a result of processing a sent package with payments. Any exchange of data between the Customer and the Bank takes place by means of the iNORD Business Internet banking system. Payments sent until 11.00 a.m. are processed on the same day; payments sent between 11.00 a.m. and 3.00 p.m. are processed on the following working day and the account is debited on the day of receiving the order; payments sent after 3.00 p.m. are processed on the following working day. Advantages of using the outgoing bulk transfers are as follows: reducing the cost of individual transfers, maintaining confidentiality (e.g. in the case of salaries) – the transfers are accounted for by means of aggregate amounts, the possibility of full automation of the processing and settling transfers.
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Bank DnB NORD Polska Spółka Akcyjna z siedzibą w Warszawie, ul. Postępu 15C, 02-676 Warszawa, zarejestrowana w Sądzie Rejonowym dla m. st. Warszawy,
XIII Wydział Gospodarczy KRS pod nr KRS 0000022156, NIP: 525-22-12-939, REGON: 017296065, Kapitał zakładowy 770.200.000 zł (wpłacony w całości)
XIII Wydział Gospodarczy KRS pod nr KRS 0000022156, NIP: 525-22-12-939, REGON: 017296065, Kapitał zakładowy 770.200.000 zł (wpłacony w całości)