Credit without BIK – Is it Possible? – Financial Payday Loan Portal

Most people have had a situation at least once in their lives where there was no money for current or sudden expenses. Usually in such situations we reach for an injection of extra cash – sometimes it is money taken from a savings account, and sometimes people have to save on loans or loans. Are loans for indebted people or poor credit history possible?

What is BIK and why is it important?

 What is BIK and why is it important?

BIK is an abbreviation of the Credit Information Bureau, thanks to which all banks have easy access to all your obligations, loans, loans and even debts. It is easy to guess that if a person has not quite the best credit history and a small income, he often has a problem with taking a loan at a commercial bank. But does it mean that there is no help for people who do not make money and have no flawless history?

Well, no!

Is there such a thing as a loan without BIK for indebted?

 Is there such a thing as a loan without BIK for indebted?

Yes. People who can not take out a bank loan can seek help from lenders and take out a loan without BIK – often called a short-term loan. For such loans it is easy to apply online. All you have to do is fill out a short form, provide some necessary information about your person and source of income and wait for a decision. Undertaking a decision on granting a loan without BIK does not take too much time for companies, thanks to which a person applying for a payday often receives a transfer the same day – hence the name “Chwilówki”. On the loan without bikes page, you’ll find the best loan and loan offers without checking BIK for indebted people.

Where to look for loans without BIK?

 Where to look for loans without BIK?

Internet itself is a great source of information. In it you can find the offer of many companies that have a better or worse credit offer. Offers should be well analyzed and compared with others. For this purpose, reliable rankings or loan comparison websites will perform well. Nowadays, companies are outdoing each other in their offers and guaranteeing better conditions. And there is nothing to cheat, often the first better loans without BIK turn out to be very expensive. That is why it is so important to recognize the loan market earlier.

Loans without BIK – Ranking – Financial Portal – Deposits, Bank Accounts

 

What are the most popular non-bank loans that do not require verification of the Credit Information Bureau? Loans without BIK are often also called payday loans, due to their nature. They are available immediately for people who have a bad credit history.

Online ranking of loans without BIK allows for quick verification and recognition of the loan market. It allows you to save a lot of time – each person will quickly verify the monetary loan that interests them.

The ranking of non-bank loans is created on the basis of materials found on the internet.

What non-bank loans are the most popular among borrowers?

What non-bank loans are the most popular among borrowers?

Loans without BIK, which are offered via the Internet, may be different, so it is worth comparing them. Some of them are more favorable, others less. Below is the ranking of some of the most popular loans.

Kredito24.pl loan

Kredito24.pl loan

  • A loan from PLN 300 to PLN 2,000
  • The repayment period is 7-45 days
  • No additional certificates required
  • The offer also for indebted people

A moment of CREDIT STAR

A moment of CREDIT STAR

  • A loan from PLN 100 to PLN 3,000
  • The repayment period is 30 days
  • No additional certificates required
  • No verification by BIK

LENDON.pl loan

LENDON.pl loan

  • Time to wait for a decision – up to 60 minutes
  • The loan amount is from PLN 100 to PLN 3000
  • Repayment payday within 5-30 days
  • No verification

Extraportfel.pl

 

  • A loan up to PLN 3,500
  • Repayment period – as many as 45 days
  • The first loan is free
  • No verification

Quick cash

 

  • First loan 0%
  • The loan amount is up to PLN 1,800
  • Repayment period – 60 days!
  • No required certificates

Moment of VIVUS.PL

Moment of VIVUS.PL

  • A very well known loan company
  • The first free loan
  • Repayment period – up to 30 days
  • The maximum amount is PLN 2,500

 

Comparing loans without BIK it is worth paying attention not only to the interest rate, but also whether the loan is installment or requires additional certificates. The ranking of loans without bik can be found on the website pozyczkaprzezinternetbezbik.pl. When deciding to take out a loan, it is worth taking the ones offered on the Internet. Of course, it’s important to know the rules and responsibilities of the lender. However, just making a loan application takes a moment, and it is free and not binding. It is worth knowing that lenders require a verification transfer. Usually it is a symbolic amount, therefore the submission of the application itself is not binding.

 

How to Send a Package Cheaply? – Financial Portal

Usually we need to find out about the necessity of sending the package unexpectedly. Then we also search the Internet in the hope of finding the best option for a shipment. It takes a lot of time, considering how many couriers currently exist on the market. To save time and money, it is worth considering the choice of a courier, such as ParcelABC. His task is to find the most attractive shipping offer, tailored to the customer’s needs. You do not need to worry about anything because the broker deals with the entire delivery procedure. Read the article below to find out why you should use it.

Time saving

Time saving

As mentioned earlier, thanks to the broker you do not have to check the offer of each courier company separately. All available services will be presented in the price comparison site. There you can choose the right offer that you like the most. Instead of wasting a few hours searching for important information or phrases on the Internet, such as a parcel from Germany to Poland, simply enter the place of sending and receiving the parcel and its dimensions so that the shipping cost will be displayed. The ordering procedure takes up to several minutes. It is worth mentioning that the courier performs services from door to door, thanks to which there is no need to carry his parcels to the post office or parcel machine. The courier will pick up the package at your chosen time at the door of your home.

Saving money

Saving money

ParcelABC courier offers the cheapest services on the market. His parcels are delivered by the best carriers, including UPS, InPost, FedEx, DPD and TNT. Due to the fact that currently most companies try to deliver parcels to the addressee at all costs as soon as possible, many couriers are traveling partially out of the car. Courier companies lose a lot of money. Thanks to the automated ParcelABC system, when searching for orders, free seats are found in the transports of the aforementioned carriers. These unused spaces will be filled with customer packages. This in turn means that couriers always have full cars, and low prices are offered to intermediaries. Customers who use such a broker always send packages at the lowest price on the market.

Security

Security

The security of the package is the most important for every carrier. ParcelABC offers its clients free insurance for each shipment up to € 25. To meet the expectations of those who send high-value goods, the company has launched the option of buying additional insurance for up to € 5,000. It is worth using this option if the value of the product being shipped exceeds the mentioned 25 €. Thanks to this, you can be sure that in the event of a possible fall or some accidental event, the courier will return the money for the damaged goods.

Fast shipping

Fast shipping

Agents often also offer additional delivery services, such as an express parcel. Often, this delivery option is more expensive than the usual, economic one. Then, however, the delivery takes place by air, which increases its costs, but also shortens the waiting time. This option is therefore especially recommended for those who care about instant delivery. In the case of sending such a shipment in the morning, it will reach the recipient even on the same day. The maximum delivery time of such a package is 2 business days, no matter where and from where it is sent.

SWIFT / BIC Codes. SWIFT and SEPA Transfers and Cheaper Alternatives. – Financial Portal

 

Transfers in the SWIFT system

Transfers in the SWIFT system

The SWIFT code (Society for Worldwide Interbank Financial Telecommunication) / BIC (Business Identifier Code) / Bank Code is used to perform international transactions.

SWIFT / BIC / Bank Code codes are terms used interchangeably and in practice mean the same (SWIFT names are usually used in Poland, and BIC abroad – that’s why in the contacts with foreign partners you should use the name “BIC”), used to identify your bank recipient to whom a foreign transfer is sent. It consists of 8 or 11 non-accidental characters, which in turn means:

  • The first 4 characters are the unique identifier of the institution – eg WBKP in the case of Bank Zachodni WBK
  • The next 2 characters are the country code of the country to which the transfer is sent (in the case of Poland – PL, UK – GB, etc.)
  • The next 2 characters are the bank’s location code.
  • In the case of a 11-character code, the remaining 3 inform about the bank branch.

By means of the SWIFT transfer, we are able to execute a transaction to every bank in the world. The average waiting time for a transfer in the SWIFT system is up to 3 days and is associated with costs (commissions and currency conversion – which by their way can be high and depend on the bank, can range from PLN 20 – PLN 200). The transfer sender has 3 options to cover costs:

  • SHA – Fees of the bank sending the transfer are falling on the payer and on the payee’s bank on the payment receiver
  • OUR – All fees for sending and receiving a transfer fall on the client – this is the best option to get the recipient (beneficiary) exactly the amount we defined in the transfer.
  • BEN – All charges related to the operation are covered by the recipient

To send a transfer in the SWIFT system we need such information as:

  • Recipient’s data (name, surname, address)
  • IBAN – the recipient’s banking number, preceded by the country code in ISO format. Example : PL61109010140000071219812874 (transfer to Poland) or DE89370400440532013000 (transfer to Germany)
  • SWIFT / BIC code of the recipient’s bank
  • The name and address of the recipient’s bank

If we send money to you within the European Union (+ Norway, Iceland, Lichtenstein, Switzerland, Monaco, San Marino), the best solution will be to use the SEPA transfer ( Single Euro Payments Area ), because in this case, the waiting time for the transfer is only 1 day, and the costs are much smaller, regardless of the amount of money sent.

SWIFT codes of Polish banks:

SWIFT codes of Polish banks:

Return to top

Transfers in the SEPA system

Transfers in the SEPA system

SEPA ( Single Euro Payments Area) – a solution created for simple, fast and cheap transfer of money within the European Union and several other economically-related countries (Norway, Iceland, Lichtenstein, Switzerland, Monaco, San Marino). The currency valid in this system is EURO. The characteristics of SEPA transfers are:

  • Waiting time for transfer – 1 day
  • Currency valid in SEPA – EURO transfers
  • Lack of intermediary banks, thanks to which the transaction cost is lower (the execution of such a transfer in Polish banks is from 5 to 10 PLN)
  • The transfer fee is not deducted from the transferred amount and is public

From 2016, thanks to the SEPA regulation, to execute a direct debit in this system, we will only need:

  • The recipient’s details
  • Bank number in IBAN format

Return to top

Faster and cheaper alternatives for SWIFT and SEPA transfers

Faster and cheaper alternatives for SWIFT and SEPA transfers

There are many cheaper and faster ways to make international money transfers. They were created as alternatives to less-profitable traditional transfers (mainly SWIFT). Unfortunately, here the commission also occurs, although it is lower, or much lower, than in banks. For quick money transfers, we can include:

Sites offering online money transfers
The way these systems work is simple – We choose the currency in which we want to send money and the target currency. We transfer money in zlotys (or other currency) to the company’s bank account (by transfer, credit or debit card or quick payments), and then the funds are automatically converted to the recipient’s account
The most popular such systems include:

  • TransferGo – (payment for transfer to Poland is only € 0.99 / £ 0.99)
  • Azimo
  • FerPay

paypal

It is an online purse and can be credited using a transfer or a card, and then sent money to another user’s account. Transfers to friends / family are free of charge.

Exchange offices

As a rule, the most profitable option, because we also save on the so-called currency spread.

Money transfers

The principle of operation is also simple in this case. We pay cash at the point of the company dealing with messages, and our recipient pays money at the Post Office, at another cooperating institution, or also at the company point. The most popular are:

  • Western Union
  • MoneyGram
  • Sami Swoi

In summary, if you want to send money to the European Union and other members of the SEPA system, it is worth choosing this type of transfer, or online international transfers or online currency exchange offices.
If you want to transfer money to countries outside the EU, we recommend online transfers and currency exchange offices. Share:

Tags: #bic #bic what is #iban #code swift what is # swiftcodes # polish banks #picework sepa #patchover swift #sepa #sort code #swift Previous article. Receive PLN 300 in mBank promotion Next article What do you need to remember after you bought a ready company

Leave a comment Cancel writing the answer

Leave a comment Cancel writing the answer

Your email address will not be published. Fields that are required to be filled are marked with *

 

 

 

Leave this field empty

A Way to Pay during Foreign Trips – Financial Portal

 

 

About the fact that Poles are traveling more and more, I do not think you need to convince anybody. Our country’s entry into the European Union, or the appearance of low-cost airlines at Polish airports has a big impact on this. Thanks to this, we can quickly, cheaply and without unnecessary formalities cross the borders of individual countries, visit them or do shopping in them. Of course, this requires us to have the right currency or payment card. However, both solutions have some drawbacks. In the case of cash, it is easy to lose it or it can be stolen from us. In the case of a payment card, we have to take into account the costs associated with currency conversion or other fees. It is even more onerous when we often travel to several countries with different currencies. But does it mean that there is no other solution that is safe and does not expose us to costs? We can confidently say that it is. Namely, Polish banks have been offering us multi-currency cards for some time.

How does the multi-currency card work? Well, thanks to her, we can make payments in different countries, and the bank will debit our account, in the currency in which we pay. Of course, in order for such a transaction to be carried out, first of all we must have in the bank that issued us the card with foreign currency accounts, and in addition there must be a sufficient amount of funds. So when we go on a trip around Europe and we will buy a souvenir in Berlin by paying with our multi-currency card, our bank will assign this transaction to our euro currency account. When we go to Switzerland and order a dinner at a local restaurant, we pay with a card, our bank will assign this transaction to our Swiss franc account. And when we later fly to Great Britain to see Big Ben, all payments made with a multi-currency card will be assigned to our account in pounds. Of course, the condition is to have funds on individual accounts. When they are not there, the transaction is usually settled in the main currency of our account, in our case, to the zloty account.

 

As we can see, a multi-currency card is an extremely practical solution that we use more and more often. Of course, this is not an ideal solution, but it is definitely worth using. And why is not it perfect? The disadvantage of such a card is, for example, the fact that by choosing money from an ATM, we can expect a commission. Certainly not everyone will be satisfied that such cards “support” only the basic currencies – the euro, dollars, Swiss francs and British pounds. However, despite this, it’s worth getting a card, because we can save a lot of money, and by the way, our journey will be much safer.

What Collaterals Are Used By Banks For Cash Loans? – Financial Portal

As banks inform us, by far the most popular when it comes to credit products, they enjoy a cash loan. These are loans that can be obtained very quickly (some banks give the opportunity to borrow money in this way during one visit to the branch), procedures are not too complicated (sometimes we can get a cash loan for the statement itself), and more and more often banks give us being able to apply for very high amounts.

The basis for obtaining a cash loan is to have the so-called ” creditworthiness “. Put simply, the bank must be sure that our income is high enough to make the money borrowed on time. Therefore, after submitting the application, we analyze our income, monthly costs and if the bank determines that we have enough money, the loan will be granted to us. Our credit history is also very important here, gathered in the Credit Information Bureau. If it is good, we will get credit easier and faster.

Depending on our income and credit history, the bank determines the risk it must take. And if it finds that it is low, firstly we can get a cheaper loan, and secondly, banks often do not require us to provide any collateral. However, if the bank decides that the credit risk is higher, our credit may be slightly more expensive, and the institution will require some collateral from us. This security is to make the money paid in the form of a loan, surely the bank will come back.

Banks use different forms of cash loan security. The most popular are:

Banks use different forms of cash loan security. The most popular are:

  1. Bill of exchange – we distinguish a few of them, and the most popular one is a blank promissory note, on which there is no specific amount or date of completion, the issuer’s bill, where the sum and date of implementation is, or a bill of lading, where the guarantor’s signatures are also included

  2. Surety – a guarantor, which is usually a natural person, undertakes to repay the obligation when the borrower does not do so. To become a guarantor, you should “go through” a similar path as the applicant, ie the bank will check its creditworthiness and history at BIK.

  3. Bank guarantee – is a collateral in which the guarantor undertakes to repay the debt if the borrower fails to meet his obligations.

  4. Declaration of submission to enforcement.

  5. Pledge on things – means giving the bank the right to sell movable property when the loan will not be repaid on time.

  6. Pledge on rights – transferring rights to a bank, for example in company shares, copyright or patent rights

  7. Transfer of receivables – granting the consent to the lender, to take over future income from the sale of goods or services to the repayment of the loan

  8. Blockade of bank accounts.

  9. Credit insurance

As we can see, banks have many types of collateral for cash loans to choose from. It depends primarily on the amount of credit, our income, our history in the Credit Information Bureau, and also on whether we are a regular customer of a given bank. Therefore, if we want to apply for a cash loan and if we want its security to be minimal, first let’s take care of a good relationship with the bank, build our positive credit history, and try to get the best creditworthiness. Then the bank will lend us money quickly, cheaply and, above all, without security.