{"id":36385,"date":"2018-09-12T00:00:00","date_gmt":"2018-09-11T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/get-answers-to-your-finance-questions-here\/"},"modified":"2026-04-09T09:55:53","modified_gmt":"2026-04-09T07:55:53","slug":"get-answers-to-your-finance-questions-here","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/get-answers-to-your-finance-questions-here\/","title":{"rendered":"Get answers to your finance questions here"},"content":{"rendered":"

How can I deposit money at an ATM?<\/strong><\/p>\n

It is very easy. At an ATM:<\/p>\n

    \n
  1. Press the deposit button<\/li>\n
  2. Select the type of deposit you are going to make<\/li>\n
  3. Indicate where you want to make the deposit<\/li>\n
  4. Enter the deposit amount<\/li>\n
  5. Enter the reference for the deposit<\/li>\n
  6. Insert the banknotes as shown in the image on the ATM screen<\/li>\n
  7. Press confirm and well done\u2014deposit completed!<\/li>\n<\/ol>\n

    What are the most common products to prepare for my retirement, and when do you advise me to start thinking about it?<\/strong><\/p>\n

    The best product to plan your retirement is the one that allows you to maintain the standard of living you want when you retire. That means the first thing you need to do is sit down and work out how much monthly income you need to live that life. The sooner you start, the better, as your best allies in achieving this are time and putting your savings to work as soon as possible. <\/p>\n

    There are various products to manage your retirement, although the best-known product is the pension plan, which has the initial advantage of the income tax relief you can obtain on the money you have contributed, within the limits established by law.<\/p>\n

    It is important for you to know that you cannot withdraw the money you have contributed to a pension plan whenever you want, but only under certain circumstances and, of course, when you retire.<\/p>\n

    On the other hand, it is also very common to invest in insured retirement savings plans (known as PPAs) and individual systematic savings plans (PIAS). The former are very similar to pension plans, with the difference that they are a life savings insurance policy, which is why the law requires them to guarantee a minimum return at the end of the term (known as the technical interest rate). The latter are life insurance policies considered savings products that also provide tax advantages. Remember, if you choose this last option, that the purpose of some of these products is to create an income for your heirs and, therefore, not to recover the money in your retirement. <\/p>\n

    How can I check my balance and manage my direct debits, deposits and payments from my mobile, tablet and computer?<\/strong><\/p>\n

    It is very easy. The first thing you need to do is request access to online banking from your bank, which is usually a free service. From your mobile or tablet, you just need to download your bank\u2019s application (app) or access its official website from your computer. From that moment on, you will be able to access 24 hours a day with the codes and passwords your bank will have provided you to: check your balance, view your transactions, make transfers, manage your deposits, payments and direct debits, and view your correspondence. In other words, you will practically no longer need to go to the bank and queue to carry out all these procedures; instead, you will be able to do them comfortably from anywhere, easily and securely, as your bank will provide instructions on how to use your signing key to carry out transactions involving the movement of funds. <\/p>\n

    Please note that there are banks that do not have branches and operate only online or by phone.<\/p>\n

    Please note that you should not reply to any email asking you to confirm your codes and passwords. Do not click any link in an email asking you to access your online banking either, as it could be a fraudulent method to obtain your data. And, of course, do not write down your codes and passwords anywhere. <\/p>\n

    How can I manage my personal finances to start saving from now on?<\/strong><\/p>\n

    The first thing you need to do is this simple exercise:<\/p>\n

    Make two lists: one with all your income and another with all your monthly expenses, i.e., draw up your budget. It is very important that it is detailed and realistic (do not kid yourself\u2014if you signed up for a gym you do not go to, you should also record it as an expense). Consider all your expenses, from mortgage or rent payments to electricity, water, phone, food and leisure\u2026 If there are expenses such as car insurance\u2014which is annual\u2014divide it by twelve. <\/p>\n

    It is advisable for total income to always exceed expenses (ideally, save 15% or more), but if, on the contrary, the result of this addition and subtraction is that expenses exceed income, you will need to adjust the former. You can start by cutting the least necessary expenses until you at least balance your accounts, with the aim of saving. <\/p>\n

    We recommend that you prepare your budget at least twice a year, so that you can track everything you earn and everything you spend. When you are in control of your money, it is easier to save. <\/p>\n

    Is online shopping safe? What should I bear in mind to avoid fraudulent use? <\/strong><\/p>\n

    Online shopping is increasingly common. It is convenient and practical, but to ensure it is safe you should bear the following in mind: <\/p>\n

      \n
    • Make sure the website address you access to make the purchase starts with https<\/strong> and that the site\u2019s digital certificate is valid (browsers show validity with a green padlock next to the address).<\/li>\n
    • Review the website\u2019s general terms of service, such as the shipping and returns policy, the different payment methods\u2026 One of the most common is by any type of card (credit, debit or prepaid). To do so, you will need to enter the card number, the expiry date and the security code (CVC) on the back of the card.<\/li>\n
    • It is advisable that the website shows the company name, address and contact details or phone numbers.<\/li>\n<\/ul>\n

      Before placing the order, you can also look for information and other users\u2019 experiences. A simple method is to search on Google for phrases such as “Is www.nombredela pagina.com safe?” And always be wary if you find a website where the price is significantly lower, as it may be a scam. <\/p>\n

      With these small tips, you will make your online shopping easy and safe.<\/p>\n

      What are the differences between a fixed-term deposit and an investment fund? <\/strong><\/p>\n

      There are the following differences: if you put your money in a fixed-term deposit, you will know from the outset how much interest you will receive at the end of the term. And if you need to recover the money you deposited before the agreed term, although a fee may be charged to withdraw it, it will not be greater than the interest you have earned, so you will always have the initial amount you deposited. With an investment fund, you may earn more, but you are not guaranteed what you will receive, nor the certainty of recovering all the money you invested, as this will depend on the assets in which the investment fund invests (i.e., the fund may invest in shares, fixed income, or a combination of both, etc.). However, you will be able to access it at any time, except in some investment funds, such as guaranteed funds, where you will have to wait until the agreed date if you do not want to pay a penalty. <\/p>\n

      Another difference is that investment funds have management and custody fees, paid by the fund itself in which you have invested and, therefore, these fees are paid with part of your money. By contrast, fixed-term deposits do not have these fees. <\/p>\n

      In addition, both the interest on a fixed-term deposit and the gains obtained from an investment fund are subject to personal income tax (IRPF) withholding, but with investment funds you will not have to pay tax until you decide to sell it; in other words, you can defer payment of this tax.<\/p>\n

      Another difference is that you can transfer an investment fund to another, even between different financial institutions, without having to withdraw the money and without paying taxes, whereas with a fixed-term deposit you cannot change the terms and the term without cancelling it first.<\/p>\n

      Finally, it is important to know that the money you have placed in a fixed-term deposit, like current or savings accounts, is covered by the Deposit Guarantee Fund up to \u20ac100,000 per account holder and institution. By contrast, investment funds are not; their guarantee is the assets in which those funds invest. <\/p>\n

      What should I bear in mind before taking out an investment product?<\/strong><\/p>\n

      Before taking out an investment product, you need to be clear about the objective of the investment you want to make with your savings. This may be to supplement your retirement, to pay for your children\u2019s university, to buy a home, etc. <\/p>\n

      Once you know your specific objective, it is important to know the time frame in which you will want to recover your investment, and how much money you may need to deal with any unforeseen events that may arise. Another important issue to be clear about before taking out a product is whether you are willing to take the risk of losing part of the money you have invested, as there are investment products with which you could make large gains but that do not guarantee you will be able to recover all the money you invested. Risk and return always go hand in hand. <\/p>\n

      Likewise, before taking out the product you need to know the associated costs (fees), its tax treatment and taxes, and also the conditions in case you need to recover the money you have invested before the agreed term. In addition, it is important to bear in mind that only current accounts, savings accounts and fixed-term deposits are covered by the Deposit Guarantee Fund, up to an amount of \u20ac100,000 per institution. <\/p>\n

      Finally, one piece of advice: before taking out an investment product, ask any questions you may have, and if after several questions you still have doubts, it is better not to purchase it. It is vital to understand the terms and conditions of all the investment products we acquire, so that we are able to take control of our savings. <\/p>\n

      What should I know before taking out a revolving credit card?<\/strong><\/p>\n

      A revolving credit card is a type of credit card in which all purchases or cash withdrawals made with it, within the credit limit granted to you by the bank, are automatically deferred through monthly payments. The customer may choose the term for repaying the amounts lent by the bank, either as a fixed amount or as a percentage of the amount spent, within the limits set by the institution.<\/p>\n

      As we pay the instalments, the portion of the card limit we repay becomes available to spend again. It should be borne in mind that, as the instalment is constant at the beginning, the principal repayment is very low and a large part is interest, which is usually high. If you choose a low monthly instalment compared to the total amount spent, repayment will take a very long time and the amount of interest will rise far above normal. This type of credit card is complex and you should be very sure before taking it out, so it is advisable to be well informed about the terms and conditions before signing. Another alternative to finance a purchase is to apply for a personal loan. <\/p>\n

      What is the difference between a debit card and a credit card? What is a contactless card? <\/strong><\/p>\n

      Although the two are similar, and both can be used to withdraw money from ATMs and make purchases in shops, there are differences. With a debit card, you can only use the money you have in the current account linked to it. This means that all transactions you make with it will be automatically recorded in that account and you will not be able to use more than the money you have in the account. <\/p>\n

      By contrast, with credit cards the bank grants you credit up to the limit you have agreed, which you can use to make purchases and withdraw money even if you do not have funds in the linked account at that time. This means the bank is lending you money, so if you do not deposit the amount you have spent or withdrawn into your account before the end of the month, interest will be charged at the rate indicated in the contract. <\/p>\n

      To withdraw money from an ATM, check the terms and conditions of your cards to see which one suits you best. If you withdraw money from an ATM that does not belong to your bank, you may be charged a fee. <\/p>\n

      A “contactless” card can be a debit or credit card. The advantage of this system is that when we make a purchase or withdraw money from an ATM, we simply need to hold our card close to the terminal to make the payment. The “contactless” system is very secure, as you never let go of your card and you therefore avoid possible fraudulent duplication of the magnetic stripe or chip. In addition, if the purchase is under \u20ac20, it is not necessary to enter the PIN or sign the receipt, although if you wish you can set it so that the system always asks for the PIN. <\/p>\n

      What should I do if my credit card is stolen?<\/strong><\/p>\n

      The first thing you need to do is call immediately to have it cancelled, using the phone number printed on the back of the card. That is why it is important to save this number in your mobile phone as soon as you receive the card. You can also call your bank\u2019s customer service number, which will be on the institution\u2019s official website, or cancel it through the online application or your bank\u2019s app. It is important that you also report the theft to the police and obtain a copy of the report, so that you can make a claim in the event that any fraudulent transaction has been carried out following the theft. <\/p>\n

      You should never keep the PIN with your card, nor write it down anywhere. Memorise it\u2014this will also help exercise your memory. <\/p>\n

      When you call to cancel it, request a new card.<\/p>\n

      What is the time limit for requesting a direct debit refund?<\/strong><\/p>\n

      Direct debiting is a service offered by all financial institutions. The Payment Services Act 19\/2009 establishes that you have the right to return authorized receipts for eight weeks (50 days for most institutions). This period is established for standardized bills presented by common utility companies (electricity, water, telephone, homeowners’ associations, etc.). <\/p>\n

      On the other hand, there is a time limit of up to 13 months for unauthorised transactions or transactions executed incorrectly.<\/p>\n

      There are other types of direct debits that require the customer\u2019s explicit authorisation for the charge, known as B2B direct debits. These are usually used between companies and the refund period is normally between 1 and 3 days. <\/p>\n

      Can I open an account for my children who are minors?<\/strong><\/p>\n

      Minors can only open bank accounts through their legal representatives, who are their parents or guardians, with the exception of an emancipated minor (over 16 and under 18) who can act on their own behalf.<\/p>\n

      It is necessary to obtain the minor\u2019s tax identification number or national identity document in advance, and you will need to present the family record book to the financial institution to prove the family relationship. For those who do not have Spanish nationality, the foreigner identity number (known as the NIE) will be required. <\/p>\n

      In accordance with the above, grandparents, siblings or other relatives cannot open accounts in the minor\u2019s name. When the minor turns 18, they will be able to use the account like any other account holder, or from the age of 16 if they are legally emancipated. <\/p>\n

      What am I committing to when I guarantee a loan for a friend or family member?<\/strong><\/p>\n

      By guaranteeing a loan, you commit to making the payments in the event that the holder (your friend or family member who requested the loan) does not do so, and for this, you are liable with your assets. This means that being someone’s guarantor means assuming a great responsibility and therefore, before making a commitment of this type, you must consider it carefully. <\/p>\n

      The question you need to ask yourself as a guarantor is: if my friend or family member does not pay, will I be able to meet the remaining payments for the entire duration of the loan? In addition, it should be borne in mind that in the event of the death of the person providing the guarantee (in this case, you), the guarantee remains valid against the assets of the estate you leave behind until the last loan instalment is paid. <\/p>\n","protected":false},"excerpt":{"rendered":"

      How can I deposit money at an ATM? It is very easy. At an ATM: Press the deposit button Select the type of deposit you are going to make Indicate where you want to make the deposit Enter the deposit amount Enter the reference for the deposit Insert the banknotes as shown in the image […]<\/p>\n","protected":false},"featured_media":36386,"parent":0,"template":"","etiquetas":[330,298,299],"categorias-blog":[790],"class_list":["post-36385","blog-aeb","type-blog-aeb","status-publish","has-post-thumbnail","hentry","etiquetas-aeb","etiquetas-educacion-financiera","etiquetas-finanzas-personales","categorias-blog-your-personal-finances"],"yoast_head":"\nBlog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/get-answers-to-your-finance-questions-here\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"og:description\" content=\"How can I deposit money at an ATM? 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