The bank account is an important element in our lives, since in it we store a good part of our money with which we later pay bills and cover all kinds of expenses. Therefore, if at any given time we want to change our bank account, we must know how to do it in a completely safe way and without risk to our savings.
The change of account from one bank to another must be totally free. It establishes that any account transfer service will be “initiated by the receiving payment service provider at the express request of the customer and will be free of charge for the latter and for the receiving payment service provider.” Or what is the same: the bank to which we want to change, once we communicate it, will be in charge of starting the procedures, which will have no cost.
Thus, if the client decides to change banks, they must communicate it without further ado. Things get complicated in the event that there are different holders of the same account: all of them must individually express their intention to change banks.
In accordance with the regulations, “the payment service provider will make available to customers a payment account transfer request form” that must be filled out indicating the date of the change, which must be at least six business days after count from the receiving entity receives all the information from the bank that you want to leave.
As explained by , the transmitting bank and the receiving bank must exchange all the necessary information for the effective transfer of the account: “They will be in charge of transferring the most common financial operations that you carry out in the account you want to transfer, such as direct debits of receipts, standing transfer orders or periodic transfers received”.
Also, obviously, they have to transfer the existing balance to the new account of the receiving bank, although this will happen as long as there are no debts due and pending charge.
Although the vast majority of procedures will be carried out by the new bank to which we transfer the account, there is the possibility that there are certain fringes that the client has to take care of. , “those that correspond to small companies, tax payments, gyms, etc., may require that the change be made by the owner, so the domiciliation transfer may be rejected.”
In these cases, the client must personally contact the persons or entities that issue said receipts to notify them of the account change and provide them with the new number to which they will have to pass them.
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