Does anyone know what I'm supposed to understand by this? Did my transfer work, or was it accepted or not? By the way, I made this transfer with Commerzbank.
I would be grateful for an answer, thank you.
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Hi! When recording, the online limit is first requested, which is the first hurdle. In parallel, it is checked whether the account has enough credits or dispolimit at the time of collection. If both in the green area are accepted the payment. The actual execution takes place at the later time and then everything else is processed. There are also priorities, and it can happen that there is no longer enough credit for the transfer… that would be the opposite of the positive disposition and thus the “maintainable case”.
Gruss
my account was 1 euro less, not even when I was running, do you think the bank accepts that?
I can only speculate, but I can’t. Look at your account tomorrow… Gruss
You have to put yourself in a bit like the bookings.
Once set the case, you have 1,000,- in the account
Sure – you give a booking of 750,- – the legitimation (registration) is checked, the IBAN of the target bank and all that.
Now you’re gonna do another 900,- but you don’t have a dispo frame or it’s over. This cannot be checked at the moment when booking is required. Maybe there’s a transcript of someone on this day, and it’s exactly where your dispo splits. Or you’ll get something from the machine, or…
Therefore, there are certain times (so I know) in which the bookings are processed (internal bank). This can be a big calculator or something. Only when all the amounts have been reviewed and the bookings have been made is it really done. Until this time, your “request” is just a wish.
Very swollen by the Commerzbank.
At my bank, the following is stated: “We have taken over your transfer, subject to the cover on your account. The transfer shall be made at the expense of the following account: …..” ( –> IBAN and the name of the account holder).
The transfer must be carried out in accordance with EU policies within 24 hours (in the SEPA room) – if your account is in the “Plus” or Your overdrawing frame has not yet been exhausted.
Do you think if I had 1 euro too little that the transfer is still being executed?
No. Banks are extremely pedantic. Even if you are only in the minus with 1 cent (0.01 €).
This is because the inflexible banking computer program is responsible with all its algorithms.
In this case, you would have to personally cross into your bank branch and incite the employees to carry out the transfer “for the sake of grace”.
If enough money is on your account, the transfer will be executed.
If you just entered the transfer online, it was after the evening and it will be booked tomorrow.
Ok very good, thanks for the answer
🙂
The recipient of the money waits for the actual receipt of the money.