Traduction de «Dépôt de virement » (Français → Anglais) :

‘post office giro institution (POGI)’ means a post office that belongs to the sector ‘non-financial corporations’ (Sector 11, ESA 2010), and, as a complement to postal services, receives deposits from non-MFI euro area residents with a view to providing money transfer services for its depositors;

In Belgium, the term 'money transfer' is used in preference to the term 'credit transfer'. One effect of this difference has been to underline the fact that the terms of the implementing legislation will apply only to transfers initiated by a deposit, or withdrawal from an existing account as e.g. opposed to debit transfers. This is not, however, inconsistent with the position under Directive 97/5/EC.

In Belgium, the term 'money transfer' is used in preference to the term 'credit transfer'. One effect of this difference has been to underline the fact that the terms of the implementing legislation will apply only to transfers initiated by a deposit, or withdrawal from an existing account as e.g. opposed to debit transfers. This is not, however, inconsistent with the position under Directive 97/5/EC;

For example, EC legislation requires information to be available to consumers concerning: * banking services (e.g. on the existence of deposit-guarantee schemes and, in the case of consumer credit, on credit limits, the annual percentage rate of charges on loans and procedures for terminating loans. Once adopted, the proposed Directive on cross-border transfers will require consumers to be informed concerning the cost and timing of such transfers.) * insurance (e.g. on essential aspects of the contract - before it is signed in the case of life assurance - such as its duration, cancellation rights, the law applicable and complaint procedures) * securities (e.g. on listing and public offer prospectuses and on information for holders of c ...[+++]ollective investment funds).

In a move to reduce costs and improve these services the department has introduced direct deposit through which funds are deposited directly and electronically to the recipient's bank account.

Exemptions are possible within the territory of a country for certain activities of public interest, insurance and reinsurance transactions, the leasing or letting of immovable property (with the exception of the provision of accommodation, the letting of premises and sites for parking vehicles, lettings of permanently installed equipment and machinery, hire of safes), supplies of goods used wholly for an exempted activity, and many other activities such as the granting and negotiation of credit, transactions and negotiations concerning deposit funds, payments, transfers, transactions and negotiations concerning currency, and transaction ...[+++]s and negotiations concerning shares, or interests in companies or associations.