Bonifico: dopo quanti giorni viene accreditato?
Quando si è in attesa di un bonifico, i giorni sembrano non passare mai e spesso ci si chiede quanto tempo ci vuole per l’accredito di un bonifico? Entro quanto tempo è possibile disporre delle somme bonificate?
Benché le nuove regole abbiano accorciato i tempi di accredito, non esiste una risposta precisa. Il tempo necessario, infatti, varia in funzione della banca di provenienza e dell’orario del cut-off dell’Istituto di credito erogante.
BONIFICO: DOPO QUANTI GIORNI VIENE ACCREDITATO?
A partire dal 2012 i tempi di accredito dei bonifici sono stati ridotti da tre giorni lavorativi a un giorno lavorativo dopo la data di esecuzione. Per stabilire quanto tempo passerà prima vedere la somma in conto corrente possiamo partire da tre casi:
- 1 giorno se banca e filiale di chi dispone e chi riceve il bonifico coincidono
- 2 giorni se si tratta della stessa banca ma di un’altra filiale
- 3 giorni se le banche sono differenti
Il tempo necessario, dunque, dipende dalla banca ma si va da 1 a 3 giorni lavorativi al massimo. Fondamentale è sapere anche se il bonifico è stato disposto entro l’orario del cut-off (sempre stabilito dalla banca) oppure no.
COS’E’ IL CUT-OFF?
In sostanza, tutto è legato a quello che nel gergo finanziario viene chiamato orario di cut-off. Si tratta dell’ora fissata dall’istituto di credito entro il quale l’ordine di effettuare un determinato bonifico si considera ricevuto nella giornata in corso. Superato quell’orario, la disposizione si considera ricevuta nella giornata lavorativa successiva.
Non è possibile indicare un unico orario cut-off, poiché questo varia in base all’istituto di credito al quale ci si rivolge. A tal proposito ecco gli orari del cut-off di alcune banche:
- Banca Marche– 15:30;
- Mediolanum Banca– 17:00;
- Banca di Sondrio– 14:30;
- Barclays– 15:30;
- Cariparma– 18:00;
- CheBanca!– 19:00;
- Credem– 20:00;
- Deutsche Bank: 17:00;
- Fineco-15:00;
- Intesa San Paolo-17:30;
- MPS-18:30;
- Unicredit– 20:00;
- Webank-17:45;
- Widiba-18:30
BONIFICO ISTANTANEO
Una cosa che forse in pochi sanno è che il bonifico può essere istantaneo. Questo vuol dire che si può procedere all’operazione in poco più di 10 secondi, ogni giorno e a qualsiasi ora. In pratica, prescindendo dalla banca erogante, chiunque può disporre un bonifico verso un determinato beneficiario in tempo pressoché reale, a patto ovviamente che si disponga della liquidità necessaria per traferire la cifra.
Tutto ciò è possibile grazie alla piattaforma “Sepa Instant Credit Transfert”che garantisce un tempo massimo di 10 secondi per l’accredito di bonifici fino a 15mila euro. I soldi saranno immediatamente disponibili sul conto del beneficiario, ma non ci saranno possibilità di revoca. Il servizio di bonifico istantaneo è erogato con una tariffa extra che viene indicata da ciascuna banca al momento dell’operazione. In alcuni casi, il pagamento della una commissione può essere richiesto anche a chi riceve il denaro.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
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