Bank transfers allow you to send money in a matter of seconds regardless of the distance between the sending user and the receiving user
For Ian Munoz Pederzoli
01/01/2023 – 07:00 a.m.
The The world of finance is constantly advancing. breaking down great barriers such as geographic ones. In this sense, the transfers They have revolutionized the way we do business, allowing us to transfer money no matter where we are. However, many people are unaware how to make a bank transfer so from iProfessional we bring you a step-by-step guide.
How to make a bank transfer step by step?
To make a wire transfer a series of simple steps must be followed. Although the process It can vary slightly depending on the financial entity that we operate, in general terms, the steps are quite similar.
- Have homebanking: In the event that the bank transfer is through homebanking, one of the most popular options, we must first have access to our homebanking
- Go to the main menu and select the option “transfers”
- load the CBU, CVU or ALIAS
- Check the data: It is important that, at the time of making the transfer, the recipient’s data is verified, such as whether the CUIL or CUIT number matches, as well as the name of the recipient, since this operation is irreversible
- Accept transfer: once we confirm the previous data you must choose the option “transfer” or similar
How do you make a bank transfer from a mobile?
In the case of making a transfer through a mobile device such as a cell phone, you must follow the steps mentioned in the previous section.
It should be remembered that, in order to do this transfer type, it is usually not necessary to have official application of the financial institution, since you can log in to the official page from the web browser (although some do not allow it).
You can make transfers immediately through your cell phone
However, it is almost always a better option to have the application, since these tend to be simpler, more complete and allow operate more efficiently from a mobile device.
How is a bank transfer made by CBU?
In the case of making a transfer by CBU, you must follow a series of easy steps:
- Access homebanking, mobile banking or an ATM. In the latter case, we will explain it in greater detail in the next section.
- Go to the main homebanking menu and choose the “transfers” option
- Enter the corresponding CBU (Uniform Bank Code). This consists of 22 digits that identify the bank account to which you will make the respective transfer, so it is important to pay attention if the person you will transfer the money to is the same person with whom you agreed to pay, since a The slightest mistake can change the recipient. Furthermore, it is an irreversible operation.
How do you make a bank transfer at an ATM?
In case you want to do the wire transfer in a ATM, The steps are the following:
- Insert the debit card in the savings or checking account
- Enter the 4-digit pin code and click on “continue”
- Then, you must choose the option “Transfers or deposits”
- Later you will have to choose the “Transfers” option
- A menu will be displayed to choose the “immediate transfer” option
- On the other hand, once you have carried out these steps it will allow you to choose the type of account, the most common is the savings account
It should be remembered that it is necessary to have the funds previously deposited to make a transfer by ATM
- The next thing will be to select if the source account belongs to the same owner or not. In this case, if you transfer the money to another account that belongs to you, then you must enter the option “yes”. In the event that it is to a third party, you will choose “no”.
- Then, you must verify that the data entered is correct. If they are, you will proceed to enter the amount to be transferred.
- The next step is to enter the alphanumeric code with which you operate at the ATM, which must be previously generated.
- Finally, the cashier will make the transfer and issue you a transfer receipt.
Are there any limits to immediate transfers of funds?
Currently, according to the Central Bank, there are some Limitations for funds transfers Y apply both at Physical persons As the legal who are holders of savings accounts, salary accounts or checking accounts.
In the case of ATMs, the limit is $125,000 or $5,000/€5,000 per ATMs and, in the case of home banking, it goes up to $250,000 or $12,500/€12,500. However, in the case of needing to carry out operations for higher amounts, you can do so if notify the bank, either in person or through the authorized means (online, telephone, etc.), extending said limitation.
