środa, stycznia 17, 2018
 
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Bank and Current Account

A bank account is a monetary account with a banking institution recording the balance of money for a customer.

Bank accounts may have a positive or credit balance where the bank holds money on behalf of the customer; or a negative or debit balance where the customer owes the bank money.

Broadly, accounts opened with the purpose of holding credit balances are referred to as deposit accounts; whilst accounts opened with the purpose of holding debit balances are referred to as loan accounts.

Some accounts are defined by their function rather than nature of the balance they hold. Bank accounts designed to process large numbers of transactions may offer credit and debit facilities and therefore do not sit easily with a polarised definition. These transactional accounts are called current accounts in the UK.


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Simply Said!
  • The current account is one of the many bank and building society accounts in the UK.
  • All such accounts would suit the needs for the cautious investor.
  • Saving accounts offer instant assess and are good to keep in short-term and emergency money.
  • High-interest accounts are preferred for longer term saving.
  • Capital in such accounts is secure but not protected against adverse effect of inflation.
  • Good tax treatment for non-taxpayers and basic tax payers.
  • Such accounts are not advantageous for higher rate taxpayer.

Konta Bankowe w UK

W Anglii i Walii najwiekszymi bankami sa Barclays, Lloyds, HSBC i Natwest a w Szkocji: Royal Bank of Scotland.

Obok klasycznych bankow istnieja rowniez towarzystwa mieszkaniowe, tzw. Building Society (np.Halifax).

Zeby otworzyc konto bankowe wymagane jest potwierdzenie tozsamosci i potwierdzenie adresu np. rachunki.

Rodzaje wydawanych przez banki kart.

*Cash Card -wydawana przy otwarciu konta podstawowego Basic Account i umozliwia jedynie pobieranie gotwki z bankomatu

*Debit Card -wydawana wraz z ksiazeczka czekowa przy otwarciu konta biezacego Current Account, mozna nia dokonywac platnosci

*Credit Card-wydawana po okolo 6 miesiacach od otworzenia konta, pozwala ona na uzycie gotowki przy zerowym stanie konta ale naliczane sa wtedy wysokie odsetki.

Konta oszczednosciowe maj wyzszy procent roczny i zchecaja do regularnego oszczedzania,najdogodniejsze sa konta typu ISA gdzyz zgromadzone na nim oddsetki nie podlegaja opodatkowaniu.


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