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ΘΕΜΑ: Λογαριασμος στην ING Luxemburg online;;;

Λογαριασμος στην ING Luxemburg online;;; 18 Ιουλ 2015 03:52 #46

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soto51 έγραψε:
Οι Ολλανδοι είναι εξαιρετικά δύσκαμπτοι και αυστηροί όσον αφορά το άνοιγμα λογαριασμών από ΜΗ κατοίκους Ολλανδίας.

Βέβαια η έννοια "κάτοικος Ολλανδίας" δεν είναι κάτι το πολύ δύσκολο να πάρεις, χρειάζεται απλώς ένα συμβόλαιο ενοικίασης σπιτιού που το πας στο Δήμο, σε "γράφουν" στο σπίτι, και σου δίνουν τον μοναδικό αριθμό που χρειάζεται η τράπεζα για να σου ανοίξει λογαριασμο.
(Αυτός ο αριθμός αντικαθιστά όλους τους δικούς μας ΑΔΤ, ΑΦΜ, ΑΜΚΑ, Μητρώα, κέρατα. ΕΝΑΣ αριθμός).
Καμμία σχέση δηλαδή με (π.χ.) ΗΠΑ, όπου για να πάρεις SSN περνάς από τα 40 κύματα.

Όμως:
Για μικροαγορές από το internet (τώρα που αυτές κόπηκαν λόγω CC ΚΑΙ στις κάρτες) μπορεί κάποιος να προμηθευτεί μια Prepaid Credit Card (υπάρχουν πολλές) από το εξωτερικό, και να χρησιμοποιεί αυτή.
Αυτό πρόκειται να κάνω, και να τη συνδέσω με το PayPal Μου που έχει μείνει ορφανό.
Πως την πληρώνεις?
Αγγαρεύεις κάποιον δικό σου έξω, αλλά τον αγγαρεύεις μια φορά μόνο. Όχι για κάθε ψιλοαγορά που θέλεις να κάνεις.
Έχουν κόστος (oi Predaid Credit Card) αλλά τι να κάνουμε...
Αυτό που λες για τους Ολλανδούς ισχυει για όλες τις τράπεζες τους;; Γιατί εδώ μέσα είχα διαβάσει για μια τράπεζα Ολλανδική που ανοίγει εξ αποστάσεως σε Ελληνες. Την abn amro. Εκτος αν δεν είναι αξιοπιστη δεν ξέρω. Τι αξιολογήσεις έχει απο τους γνωστούς οίκους;;;; είναι γενικά αξιόπιστη για άνοιγμα λογαριασμού;
Τελευταία διόρθωση: 18 Ιουλ 2015 03:53 από george (georgebest).
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Λογαριασμος στην ING Luxemburg online;;; 18 Ιουλ 2015 06:24 #47

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george (georgebest) έγραψε:
Αυτό που λες για τους Ολλανδούς ισχυει για όλες τις τράπεζες τους;; Γιατί εδώ μέσα είχα διαβάσει για μια τράπεζα Ολλανδική που ανοίγει εξ αποστάσεως σε Ελληνες. Την abn amro. Εκτος αν δεν είναι αξιοπιστη δεν ξέρω. Τι αξιολογήσεις έχει απο τους γνωστούς οίκους;;;; είναι γενικά αξιόπιστη για άνοιγμα λογαριασμού;
Απ' ότι ξέρω η abn amro είναι γίγαντας.
Αξιολογήσεις δεν ξέρω, καλή θα είναι, υποθέτω.
Είναι όμως "ακριβή" στην Ολλανδία. Μπουτίκ. Στο πλαίσιο αυτό ίσως έχει καποια προγράμματα για ex-patriates, αλλά τους μαδάει. Τέλη διατήρησης, χρεώσεις σε εμβάσματα, ελάχιστο ποσό λογαριασμού, τέτοια.

Η "προηγμένη" τραπεζική επιστήμη αυτό κάνει. Και το έχω δει πεντακάθαρα στις ΗΠΑ. Όλες οι μικρές τράπεζες που δραστηριοποιούνται σε όλη την Αμερική δεν σε διώχνυν, αλλά δεν μπορούν να σε εξυπηρετήσουν. Δεν είναι "στημένες" για ξένους, και το πράμα κολλάει.
Αν πάς στη Νέα Υόρκη, όλες οι κεντρικές τράπεζες έχουν ειδικά τμήματα για ξένους, τα πάντα γίνονται, αλλά σε μαδάνε κανονικά.
Ενώ οι άλλοι (στο midwest, που δεν ξέρουν απ' αυτά), δεν σε χρεώνουν με τίποτα. Η τράπεζα ζει απ' αυτό που πρέπει να ζει: Τη διαφορά επιτοκίου μεταξύ καταθέσεων και δανείων.
ΜΑΚΡΥΑ ΑΠ' ΤΙΣ ΤΡΑΠΕΖΕΣ.
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Λογαριασμος στην ING Luxemburg online;;; 18 Ιουλ 2015 14:18 #48

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Αυτή είναι η τελευταία αξιολόγηση της Moody's για τις ολλανδικές τράπεζες....

- ABN AMRO Bank N.V. (ABN AMRO)

The affirmation of ABN AMRO's BCA at baa2 reflects the bank's overall good financial fundamentals including solid capitalization and a comfortable liquidity position. It further captures the bank's strong franchise in the Dutch market and its balanced business mix between retail and commercial banking. The BCA is also supported by early signs of recovery in the Dutch operating environment, which, although still somewhat limited, reduces the threat of further deterioration in the bank's asset risk, as evidenced by the material decrease in credit costs observed since mid-2014.

Moody's affirmed the bank's deposit and senior unsecured ratings at A2/Prime-1, reflecting (1) the bank's standalone credit strength of baa2; (2) the application of the Advanced LGF analysis, which, given the bank's significant volumes of senior debt and junior deposits, results in a two-notch uplift from the adjusted BCA of baa2, and (3) government support uplift of one notch reflecting a "moderate" probability of support.

Moody's assigned a A1(cr)/Prime-1(cr) CR Assessment to ABN AMRO, four notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as a moderate probability of government support.

- ING Bank N.V. (ING Bank)

Moody's has affirmed ING Bank's BCA at baa1, which reflects the bank's strong franchise in the Benelux region and Germany, a good degree of geographical diversification, sound profitability despite elevated credit costs, adequate capitalisation and sound liquidity. These strengths are, however, partly offset by the asset quality risk stemming from the challenging operating environment in the Netherlands, which has nevertheless improved since mid 2014.

The bank's long-term debt and deposit ratings were upgraded to A1 from A2 and its short-term rating were affirmed at Prime-1. This results from (1) the bank's standalone BCA of baa1, (2) the application of Moody's Advanced Loss Given Failure (LGF) analysis, leading to a two-notch uplift from the baa1 BCA, and (3) a one-notch uplift for government support (from two notches previously), reflecting a moderate probability of government support. The outlook on the long-term ratings is stable.

Moody's assigned a Aa3(cr)/Prime-1(cr) CR Assessment to ING Bank, four notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as a moderate probability of government support.

Moody's has also downgraded the senior unsecured debt rating of the parent company ING Groep N.V. to Baa1 from A3, based on the LGF analysis, which suggests a moderate loss-given-failure given the significant amount of junior securities issued by ING Bank N.V. and ING Groep N.V.. This results in a rating of Baa1, in line with the bank's BCA, which incorporates no uplift for government support as Moody's considers the probability of government support being provided to holding company creditors to be low.

- Rabobank Nederland (Rabobank)

The downgraded of Rabobank's BCA to a2 from a1 reflects the deterioration of the bank's relative positioning versus peers after a period of lackluster operating results. The BCA is still supported by the bank's leading position in the Dutch banking sector and strong franchise in the agribusiness sector worldwide, as well as its focus on domestic retail banking. Nonetheless, the bank's financial results have been impacted by elevated loan loss provisions, notably related to Dutch commercial real estate, and a number of large extraordinary items since 2012. Despite reporting improved underlying results in the second half of 2014, Moody's believes that the bank's profitability will not improve significantly in 2015 due to modest revenue growth and a cost of risk above its historical average. In this regard, although the fundamentals of the bank still feature sound asset quality and relatively stable profitability, they are now more consistent with a BCA of a2.

Moody's confirmed Rabobank's long-term debt and deposit ratings at Aa2 with stable outlooks. This results from (1) the bank's standalone BCA of a2, (2) the application of Moody's Advanced LGF analysis, resulting in a two-notch uplift from the a2 BCA, and (3) government support uplift of one notch, reflecting a moderate probability of support. Concurrently, the bank's short-term debt and deposit ratings were affirmed at Prime-1.

Moody's assigned a Aa1(cr)/Prime-1(cr) CR Assessment to Rabobank, four notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as the moderate probability of government support.

- SNS Bank N.V. (SNS Bank)

SNS Bank's BCA was affirmed at ba1. This reflects the stabilisation in the bank's asset quality and profitability following the measures implemented after its nationalisation and improved credit conditions in the Netherlands, the bank's progress towards re-establishing its domestic franchise, and its strong capitalisation. The BCA also takes into account the bank's relatively high leverage compared to some of its peers and a funding profile that is not yet commensurate with a higher BCA, despite its solid liquidity.

The bank's long-term deposit rating was upgraded to Baa1 from Baa2, the senior unsecured debt rating was confirmed at Baa2 and its short-term rating was affirmed at Prime-2. These rating actions reflect the bank's standalone credit strength of ba1, and the application of Moody's Advanced LGF analysis, which results in uplift of two and one notches for the long-term deposit and senior unsecured debt ratings, respectively, from the BCA. In addition, Moody's includes a one-notch uplift for government support (from two notches previously), reflecting a moderate probability of government support. The outlook on the long-term deposit and debt ratings is positive, reflecting the expected improvements in the bank's credit fundamentals.

Moody's assigned a A3(cr)/Prime-2(cr) CR Assessment to SNS Bank, four notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as a moderate probability of government support.

- Bank Nederlandse Gemeenten N.V. (BNG Bank)

Moody's affirmed BNG Bank's BCA at a1, which reflects (1) the bank's very strong asset quality due to the fact that the bulk of its lending is to public sector entities; (2) its role as the largest lender to the Dutch public sector; (3) its high capitalization; and (4) its adequate funding profile and liquidity position despite maturity mismatches.

Moody's also affirmed the bank's long-term deposit and senior unsecured debt ratings at Aaa with stable outlooks, reflecting (1) the a1 bank's standalone credit strength, (2) the application of Moody's Advanced LGF analysis, resulting in a two-notch uplift from the BCA of a1 given the significant volumes of senior debt, and (3) government support uplift of two notches, reflecting a "very high" probability of support from the Dutch national government (Aaa stable) due to the entity's public ownership and its role as the principal financier of the Dutch public sector.

Moody's assigned a Aaa(cr)/Prime-1(cr) CR Assessment to BNG Bank, four notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as a very high probability of government support.

- Nederlandse Waterschapsbank N.V. (NWB Bank)

The upgrade of NWB Bank's BCA to a1 from a2 primarily reflects Moody's revised view of the bank's liquidity profile in the context of the new bank rating methodology. The relatively small size of NWB Bank's liquid securities portfolio is broadly mitigated by the eligibility of the bulk of its lending portfolio for central bank refinancing. By limiting the size of its securities portfolio, the bank has avoided taking additional credit risk and has been able to preserve a very strong asset quality. The upgrade of the BCA also takes into account the bank's improved profitability thanks to the recent repricing of loans.

NWB Bank's BCA now reflects (1) the bank's very strong asset quality due to the fact that the bulk of its lending is to public sector entities; (2) its role as the second largest lender to the Dutch public sector; (3) its high capitalization; and (4) its adequate funding profile and liquidity position despite some maturity mismatches.

Moody's affirmed NWB Bank's long-term deposit and senior unsecured ratings at Aaa with a stable outlook, which reflects (1) the bank's standalone credit strength of a1; (2) the application of Moody's Advanced LGF analysis, resulting in a two-notch uplift from the BCA of a1 given the significant volumes of senior debt; and (3) government support uplift of two notches, reflecting a "very high" support probability from the Dutch national government (Aaa stable) due to the entity's public ownership and its role as one of the principal financiers of the Dutch public sector.

Moody's assigned a Aaa(cr)/Prime-1(cr) CR Assessment to NWB Bank, four notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as a very high probability of government support.

- Credit Europe Bank N.V. (CEB NV)

CEB NV's BCA was affirmed at b1, reflecting the constraints created by the bank's weakening Russian subsidiary Credit Europe Bank Limited (CEBL), which represented 23% of CEB NV's consolidated assets and 34% of its net profit in 2014.

Moody's upgraded CEB NV's long-term deposit rating to Ba2 from B1. This results from (1) the bank's standalone BCA of b1; (2) the application of Moody's Advanced LGF analysis, resulting in a two-notch uplift from the b1 BCA; and (3) no uplift for government support, reflecting a low probability of support. The outlook on the long-term deposit rating is negative. Concurrently, the short-term deposit rating was affirmed at Not Prime.

Moody's assigned a Ba1(cr)/Not Prime(cr) CR Assessment to CEB NV, three notches above the BCA, reflecting the substantial volume of bail-in-able liabilities protecting operating obligations as well as the low probability of government support.
Οι καιροί ου μενετοί...
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Οι ακόλουθοι χρήστες είπαν "Σε Ευχαριστώ": Καράντη Μαρία (cross)

Λογαριασμος στην ING Luxemburg online;;; 18 Ιουλ 2015 16:48 #49

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Καράντη Μαρία (cross) έγραψε:
Έχει δοκιμάσει κανείς αν ανοίγουν από απόσταση σε Έλληνες;
Βλέπω ότι έχει saving account και term account, αλλά όχι κάποιο είδος κάρτας για αναλήψεις και αγορές!

Επίσης, στην ING Lux, στους όρους, λέει ξεκάθαρα:
"In order to open an online account, you must be a private, legally capable individual aged 18 or over and residing in one of the following countries: Grand Duchy of Luxembourg, Belgium, France or Germany."

Έτσι, δε φαίνεται να είναι λύση η ING Lux για εμάς.

Υπάρχει κάποια άλλη τράπεζα στο Λουξεμβούργο που να ανοίγει έναν τρέχοντα λογαριασμό, μαζί με κάποια debit card και να μπορείς να τα κάνεις όλα από απόσταση;
Τελευταία διόρθωση: 18 Ιουλ 2015 16:51 από y (t8).
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Συντονιστές: ΠΑΝΑΓΙΩΤΗΣ (kampos)
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