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Giro
A giro (/ˈdʒaɪroʊ, ˈdʒɪəroʊ, ˈʒɪəroʊ/),[1] or giro transfer, is a payment transfer from one bank account to another bank account and instigated by the payer, not the payee.[2] Giros are primarily a European phenomenon; although electronic payment systems such as the Automated Clearing House
Automated Clearing House
exist in the United States
United States
and Canada, it is not possible to perform third party transfers with them. In the United Kingdom
United Kingdom
and in other countries the term giro may refer to a specific system once operated by the post office.[3] In the UK, the giro service was originally known as National Giro
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Special
Special
Special
or the specials or variation, may refer to:.mw-parser-output .tocright float:right;clear:right;width:auto;background:none;padding:.5em 0 .8em 1.4em;margin-bottom:.5em .mw-parser-output .tocright-clear-left clear:left .mw-parser-output .tocright-clear-both clear:both .mw-parser-output .tocright-clear-none clear:none Contents1 Policing 2 Literature 3 Film and television 4 Music4.1 Albums 4.2 Songs5 Computing 6 Other uses 7 See alsoPolicing[edit] Specials, Ulster
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International Bank Account Number
The International Bank Account Number
International Bank Account Number
(IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors. It was originally adopted by the European Committee for Banking Standards (ECBS), and later as an international standard under ISO 13616:1997. The current standard is ISO 13616:2007, which indicates SWIFT
SWIFT
as the formal registrar. Initially developed to facilitate payments within the European Union, it has been implemented by most European countries and numerous countries in the other parts of the world, mainly in the Middle East
Middle East
and in the Caribbean
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Clearing (finance)
In banking and finance, clearing denotes all activities from the time a commitment is made for a transaction until it is settled. This process turns the promise of payment (for example, in the form of a cheque or electronic payment request) into the actual movement of money from one account to another. Clearing houses were formed to facilitate such transactions among banks.Contents1 Description 2 History2.1 Cheque
Cheque
clearing 2.2 Securities clearing 2.3 Derivatives clearing3 United States clearing system 4 See also 5 References 6 External linksDescription[edit] In trading, clearing is necessary because the speed of trades is much faster than the cycle time for completing the underlying transaction. It involves the management of post-trading, pre-settlement credit exposures to ensure that trades are settled in accordance with market rules, even if a buyer or seller should become insolvent prior to settlement
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Public Utility
A public utility (usually just utility) is an organization that maintains the infrastructure for a public service (often also providing a service using that infrastructure). Public utilities are subject to forms of public control and regulation ranging from local community-based groups to statewide government monopolies. The term utilities can also refer to the set of services provided by these organizations consumed by the public: electricity, natural gas, water, sewage, telephone, and transportation
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United States
Coordinates: 40°N 100°W / 40°N 100°W / 40; -100 United States
United States
of America Flag Coat of arms Motto: "In God
God
We Trust"[1][a] .mw-parser-ou
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Business Day
A business day is considered every official work day of the week; another common term is work day. These are the days between and holding from Monday through Friday, and do not include public holidays and weekends.[1] The definition of a business day varies by region. It depends on the local workweek which is dictated by local customs, religions, and business operations. For example, in the United States
United States
and much of the Western world, they are typically Monday to Friday. Within the European Union, the normal business days are Monday to Friday based on the working time regulation of the EU. The length of a business day varies by era, by region, by industry, and by company. Prevalent norms have included the 8-hour day and the 10-hour day, but various lengths, from 4 to 16 hours, have been normal in certain times and places. Business days are commonly used by couriers when determining the arrival date of a package
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Cheque Card
A cheque guarantee card was essentially an abbreviated portable letter of credit granted by a bank to a qualified depositor in the form of a plastic card that was used in conjunction with a cheque. This allowed retailers to accept cheques and providing that the retailer wrote the card number on the back of the cheque, it was signed in the retailer's presence, and the retailer verified the signature on the cheque against the signature on the card, then the cheque could not be stopped and payment could not be refused by the bank. This arrangement worked only for cheques drawn on an account provided by the bank that issued the card and could result in an overdraft with penalty interest. After the introduction of debit cards there was a rapid decline in the use of cheque guarantee cards and these facilities were generally phased out in the countries that operated them during the 2000s
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European Union
The European Union
European Union
(EU) is a political and economic union of 28 member states that are located primarily in Europe.[12] It has an area of 4,475,757 km2 (1,728,099 sq mi) and an estimated population of about 513 million. The EU has developed an internal single market through a standardised system of laws that apply in all member states in those matters, and only those matters, where members have agreed to act as one
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ISO 9362
ISO 9362 defines a standard format of Business Identifier Codes (also known as SWIFT-BIC, BIC, SWIFT ID or SWIFT code) approved by the International Organization for Standardization
International Organization for Standardization
(ISO). It is a unique identification code for both financial and non-financial institutions.[1] The acronym SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication. The ISO has designated SWIFT as the BIC registration authority[2]. When assigned to a non-financial institution, the code may also be known as a Business Entity Identifier or BEI
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NACHA
Nacha may refer to:Atlach-Nacha, novel Nacha Guevara
Nacha Guevara
(born 1940), actress Nacha Regules, 1950 Argentine film Nacha Pop, Spanish grou
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Austria
Coordinates: 47°20′N 13°20′E / 47.333°N 13.333°E / 47.333; 13.333 Republic
Republic
of Austria Republik Österreich  (German)FlagCoat of armsAnthem: Land der Berge, Land am Strome  (German) Land of Mountains, Land by the RiverLocation of  Austria  (dark green) – in Europe  (green & dark grey) – in the European Union  (green)  –  [Legend]Capital and largest city Vienna 48°12′N 16°21′E / 48.200°N 16.350°E / 48.200; 16.350Off
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Federal Reserve Bank
A Federal Reserve Bank
Federal Reserve Bank
is a regional bank of the Federal Reserve System, the central banking system of the United States
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Electronic Billing
Electronic billing or electronic bill payment and presentment, is when a company, organization, or group sends its bills over the internet, and customers pay the bills electronically.[1]Contents1 History 2 Different Types 3 Parties involved 4 NACHA 5 Limitations (United States) 6 See also 7 References 8 External linksHistory[edit] The Council for Electronic Billing and Payment of the National Automated Clearing House
Automated Clearing House
Association is credited with broadly promoting and communicating various forms of electronic billing in the USA. Certain electronic billing applications also provide the ability to electronically settle payment for goods or services. Different Types[edit]Biller-direct - This refers to an approach in which consumers make payments directly to one biller that issues bills that they receive at the website of the firm that issued the bill
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Fortnight
A fortnight is a unit of time equal to 14 days (2 weeks). The word derives from the Old English: fēowertyne niht, meaning "fourteen nights".[1][2] Some wages and salaries are paid on a fortnightly basis;[3] however in North America it is far more common to use the term biweekly. Neither of these terms should be confused with semimonthly, which divides a year into exactly 24 periods (12 months × 2), instead of the 26 (≈52 weeks ÷ 2) of fortnightly/biweekly.[4]Contents1 Astronomy 2 In other languages 3 See also 4 ReferencesAstronomyFor more information see eclipse cycle.In astronomy, a fortnight is half a synodic month, equivalent to the mean time between a full moon and a new moon (and vice versa). This is equal to 14.77 days.[5][6] In other languagesThis section does not cite any sources. Please help improve this section by adding citations to reliable sources. Unsourced material may be challenged and removed
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Jobseekers Allowance
Jobseeker's Allowance (JSA) is an unemployment benefit paid by the Government of the United Kingdom
Government of the United Kingdom
to people who are unemployed and actively seeking work. It is part of the social security benefits system and is intended to cover living expenses while the claimant is out of work. JSA is administered by the Department for Work and Pensions
Department for Work and Pensions
(DWP) in England, Wales, and Scotland, and in Northern Ireland by the Social Security Agency – an executive agency of the Department for Social Development. Claimants must be between 18 years of age and the State Pension age.[1] There are two forms of Jobseeker's Allowance, contribution-based and income-based
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