Do you know what electronic banking is for?

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Written by Dolores Yanez Diaz
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The incorporation of new technologies has allowed banking institutions to offer a large number of online services to their clients, quickly and easily, and with great security guarantees: this is what is known as electronic banking, and it is increasingly gaining more weight in the financial market.

Furthermore, in these times of pandemic, where travel and personal management have been reduced to a minimum, it is essential to know how to use the telematic services offered by the Banks to correctly manage our finances, both in the personal and professional spheres, and to take advantage of the benefits that come with it, for example, saving waiting time and travel.

If you are not yet using online banking for your romania phone data personal finances or to manage your small business, I encourage you to continue reading to learn how to take advantage of it.

What does it mean to use Electronic Banking?
Nowadays, all banks have a platform on their website from which, after having identified ourselves with a secure username and password, we can carry out practically the same tasks as in a physical office: check the balances and movements of our accounts, make payments or transfers, pay our taxes, open new accounts, apply for credit cards or loans, make contributions to our pension plan..., but also with a series of advantages over traditional banking:

24/7 availability : forget about rigid banking hours and long waits at the teller windows. You can carry out all your transactions easily at any time and from anywhere, simply with your computer or mobile phone.
Savings on fees : many of the procedures that incur a fee if carried out in a physical office are completely free in online banking.
Greater transparency in contract terms. All information should be available on the website, and usually in clearer and more concise terms.
They have online help or a personal manager who provides personalized support to each client.
What payment methods are available?
In general, we can classify payment systems into three main categories: immediate payment systems, deferred payment systems and prepaid systems.

The immediate payment system is the one we usually use in our daily operations when we pay in cash. But we must bear in mind that not only banknotes and coins are considered cash, but also bank checks issued to bearer or any other means, physical or electronic, intended as payment to bearer.