The monetary authority developed a series of tips to clear the doubts of bank customers and users of financial services
The central bank released a series of questions and answers to clear up common doubts from users of the banking and card system in Argentina.
They range from canceling a banking product or service, to filing a claim with the BCRA, including what operations can be carried out from a savings bank, among other topics.
Here are the 10 key tips from the Central Bank for users of the financial system:
1. What are the main rights of users of financial services?
Users of financial services have the right to receive a fair and dignified treatment, to the protection of their security and economic interests; to obtain adequate and truthful information about the terms and conditions of the services that they contract, as well as to receive a copy of the instruments that they subscribe and to freedom of choice.
People with reduced mobility have the right to priority care and, if they have visual difficulties, they must be provided with the appropriate instruments for their access to financial services.
For those who have exercised the right to have their identity recognized, financial entities are obliged to rectify the identity and reprint all the essential elements such as debit card, credit card, account statements and others. In addition, the entity must guarantee dignified treatment on issues of gender, modesty and privacy.
2. How to turn to the people responsible for customer service in banks?
All banks are required to report at least a person responsible for customer service as owner and one as alternate, with a contact telephone number and email. The Central Bank publishes this information on its website. To find out who are the persons responsible for each Obligated Subject: https://www.bcra.gob.ar/BCRAyVos/Responsables-Atencion-cliente-Bancos-companias-financieras.asp
Financial companies, card issuers and other entities covered by the regulations on the Protection of Users of Financial Services also have the obligation to inform those responsible for customer service.
Banks: they must have people responsible for providing customer service channels.
3. How can a product be unsubscribed?
Banks should allow account closure at any branch –Not necessarily in the filing of the account– as well as through electronic means (mail, telephone, homebanking, ATM).
Even with outstanding debts, a credit card can be canceled. Only in that case may they require that the procedure be carried out in person, at any branch.
When requesting the cancellation, the entities cannot charge any charge or commission, except for the sending of the physical summary and the eventual recovery of a debt not canceled.
It is important to always ask for proof of the procedure carried out or the management number. If debts are registered, they will not be able to demand their cancellation as a condition to revoke or terminate the service.
Acceptance of a product or service can be revoked within a period of ten (10) business days from the date of receipt of the contract or the effective availability of the product or service, whichever occurs last, with reliable notification or by the same means in which the service or product was contracted.
4. How to file an unresolved claim with the Central Bank?
The claim must always be made first at the bank and the bank must inform the assigned procedure number within a maximum period of 3 business days.
If 10 business days have elapsed since the claim and no response was obtained or it was not satisfactory, the claim can be formalized before the Central Bank at this link: https://www.bcra.gob.ar/BCRAyVos/Reclamos-no-resoluciones .asp
5. How do you know if you have a debt with a bank?
The Central Bank of the Argentine Republic has the Central Debtors Office, which is a registry that shows debts or amounts with financial entities for non-payment of loans or credit cards for the last 24 months. It also shows if there are any bounced checks, other credits, or provincial tax debts. To consult the information, you must enter with the CUIT at https://www.bcra.gob.ar/BCRAyVos/Situacion_Crediticia.asp
The information published in the Debtors Central is provided by banks and other entities, therefore, if you want to make a request for rectification, updating, deletion and confidentiality in the registry in the Debtors Central, you should contact the entity that reported these data to the Central Bank and, if the claim proceeds, it corresponds that the entity requests the BCRA within 10 calendar days of the request, that the modifications in its databases be made.
6. How can you access a free bank account?
There is Universal Free Account (CGU), which is a savings bank in pesos, with opening, maintenance, fund movements and free balance inquiries. It is necessary to have a DNI and not have another bank account. Includes a debit card to make purchases in stores and access the ATM.
It has no opening or maintenance costs. Balance inquiries can be made at ATMs of different banks and networks in the country. To learn more: https://www.bcra.gob.ar/Noticias/Relanjando-Cuenta-Gratuita-Universal.asp
All Savings Banks in pesos are free to open, maintain and provide a debit card.
7. What operations can be done from an open savings bank to pay for social assistance plans or programs?
These are accounts that are opened at the request of the National Social Security Administration (ANSES) for the beneficiaries of an assignment such as the AUH, plans and programs of social assistance.
Accreditations are accepted for all concepts, but there is a limit (established by the National Council for Employment, Productivity and the Minimum, Vital and Mobile Salary).
This type of account allows movements free of charge, such as: account opening and maintenance, withdrawals at all ATMs in the country without amount limits, cash withdrawals at the counter, as well as purchases and / or cash withdrawals with the credit card. debit.
8. What modality exists to establish a fixed term?
Can be done Fixed deadlines Through the website or mobile banking of any bank, which will debit the funds from the account in pesos of origin. Banks cannot charge commissions or fees for the use of this fixed-term modality, nor can they establish limits on amounts.
There are different alternatives for fixed-term investments and the bank may offer them. Like the traditional fixed terms, at a minimum of 30 days, and the pre-cancelable fixed terms in UVA that aim to provide an attractive alternative for savings in local currency, adjustable to the evolution of prices at a positive real rate. They admit the option to cancel it after 30 days. They offer an interest rate that cannot be lower than UVA + 1% nominal per year for those who opt for the 90-day term.
You can consult the rates offered by entities for fixed terms online and choose the most convenient alternative: https://www.bcra.gob.ar/BCRAyVos/Plazos_fijos_online.asp
9. When are the transfers immediate?
The immediacy of the transfers applies to natural or legal persons who are holders of a savings account, a salary account or a checking account.
The amounts of immediate transfers in pesos, per day and per account are:
- Up to $ 125,000 for ATMs.
- Up to $ 250,000 for homebanking.
On specific occasions, and due to security issues and preventive controls applied by entities, there could be some delay in accreditation.
10. How much do you charge to withdraw cash from an ATM?
It has no cost for the holders of debit cards associated with salary accounts, retirement payments or social plans. They have the benefit of withdrawing cash from any ATM, regardless of which bank or network they belong to.
Know the value of the dollar in Dollar Today and followed the price and behavior minute by minute. CLICK HERE