"How to open a swiss bank account via mail"

You can open accounts at Swiss banks with a very low opening deposit or minimum. Swiss banks like Migros or Swissquote Bank have no minimum opening deposits whatsoever.

Some of the documents you will need to open an account

• Passport or identity card
• Recent utility bill (electricity is best)
• Residence permit
• A copy of your work contract

Also you can see "How to rent a swiss bank safe deposit box"

Google/AdSense Payments with Payoneer

Payoneer have been receiving many requests from users lately about receiving payments from Google via Payoneer's global payment solutions, which include Prepaid Debit card, Global Bank Transfer Service, US Payment Service, Local Currency Check Service, and more. Users are looking for a global solution to receive commissions earned via services including Google AdSense, AdMob, and Play.

Global Payments Made Easy

Payoneer provides companies of all types and sizes with flexible ways to pay people and businesses worldwide.

More Options. Better Payouts.
We organize your global payouts into one simple and cost effective solution.
Our services include:
Prepaid debit cards
Global bank transfers
Local eWallets
International checks

Prepaid Payout Card

Prepaid card as alternative payment

Prepaid cards are an alternative payment method to cash and are accepted all over the world at Point-of-Sale, for online purchases and at ATMs. The international prepaid card functions like an electronic check, as the funds can easily be transferred to the prepaid card electronically, instantly. Prepaid MasterCard cards are used universally, and in some places are more commonplace than the check, exceeding cash transactions by volume.
     

International Prepaid Debit Card

Payoneer’s international prepaid MasterCard^® card leverages this technology to provide a fast, less expensive and convenient alternative for transferring distributors’ payouts globally. Acting like a payout card, the prepaid card is convenient for payees in developing countries like Brazil, Russia, India and China, where international wire transfers and bank checks are time consuming, complicated and costly. As online businesses build more relationships with vendors, affiliates and freelancers from these countries, the prepaid card is not only a less expensive alternative but easily understood and utilized.
The turn-key, safe, efficient and cost-savings international prepaid payout card solution is a great alternative for any web-based business requiring distributor’s payout worldwide. For further information and to receive a customized offer

Moving to Australia Checklist

Moving to Australia Checklist
You might find the following helpful when making the move to Australia:
(This is a guide only, individual circumstances may differ.)

6 Weeks Before You Depart

Banking
 Contact International Customer Services (ICS) to help organise all of your family’s banking needs.
www.commbank.com.au/movingtoaustralia
 Monitor the exchange rate to consider when the best time may be to transfer your money to your new account.

Immigration If you are going to be shipping your household belongings, consider finding a removalist company that can assist you.
 Check that all travellers have a passport that is valid for at least five years after their arrival in Australia.
 If you have pets consider contacting your airline to establish what steps you need to take to bring them with you.
 Consider what visas may be required for your trip.

Insurance Make enquiries with insurance companies about getting yourself and any of those travelling with you, covered for your upcoming trip. This may include life, health and travel insurance.

Travel Organise airline tickets for all travellers.
 If a driver’s licence is required, you may need to consider organising an International Driver’s Permit. www.austroads.com.au
 Organise transportation to the airport.
Internet All travellers may consider organising an Australian email address prior to arrival in Australia. For example, Yahoo, Ozemail, Bigpond, Optus.
Employment If you are going to be looking to secure employment in Australia, you may wish to update your resume/ curriculum vitae.
 Register with well known recruitment websites
such as:
■ www.careerone.com.au
■ www.workingin-australia.com
■ www.seek.com.au
■ www.mycareer.com.au
■ www.adecco.com

House Matters Take the time to consider what sort of accommodation suits your needs. Temporary or permanent accommodation listings can be found at either:
■ www.realestate.com.au
■ www.domain.com.au
Taxation
 It may be beneficial for all travellers to contact the Australian Taxation Office and obtain any relevant documents that may need to be completed before you arrive in Australia. www.ato.gov.au
Education  If any of the travellers are children, consider what schools are in the area that you will be living in.
 Administrative work may need to be completed prior to your arrival. You may also like to organise education needs for yourself:
■ www.aqf.edu.au
■ www.deewr.gov.au

 Upon your arrival in Australia
 Contact family and friends back home and let them know that you have arrived safely in Australia.
 Visit your nominated Commonwealth Bank branch to be identified and activate your account.
 Visit your nearest Medicare Office. www.medicareaustralia.gov.au
 Visit your State’s nearest roads authority office to obtain a driver’s licence if required.
 Explore your local área.

Banking in Australia

Banking in Australia
Moving countries and banks is always a big step. There’s plenty to think about, and lots to do.
Luckily for you, the Australian banking system is one of the safest and most stable around.
To help make the move easier, here’s a quick run down of how things work.

Currency
Australian Dollar (AUD $)

Trading hours
Trading hours may differ between banks however generally trading hours are:
Monday to Thursday: 9.30am – 4.00pm, on Friday until 5.00pm
Saturday and Sunday: Some banks offer weekend trading hours at selected branches.
With telephone banking, electronic banking and ATMs, you have access to your money
24 hours a day, 7 days a week.

Opening an account
Before opening a bank account you will need to consider the following:

 Documentation It’s recommended that you bring the following documentation (originals and copies) with you from your home country:
■ Passport
■ Driver’s licence
■ Visa
■ Birth certificate
Access Options How you like to access your money and how frequently, will determine the type of account you choose.
Identification Check By Australian law, all banks are responsible for verifying your identity if you wish to open a bank account. You’ll be asked to provide specific forms of identification, e.g. passport and driver’s licence.
Tax File Number (TFN) You’ll be asked to provide your TFN so that you can be identified for tax purposes. It isn’t essential, but if you don’t, any interest your accounts earn will be taxed at the highest rate. For more information or to apply for a TFN, visit the Australia Taxation Office website: www.ato.gov.au

Banking products
All banks in Australia offer a variety of different banking products. Here are some of the main products types.

Transaction Accounts Ideal for day-to-day banking. You can make regular deposits – like your salary, pay bills or shop using your ATM card. Some transaction accounts come with a cheque book, though they are becoming less popular and many businesses will not accept personal cheques.

Savings Accounts Savings accounts are good for just that…saving. Some offer higher interest rates once your account reaches a certain balance or if you make deposits and no withdrawals over a period of time.
Most savings accounts will also have the option of an ATM card, so you can use it like a transaction account.

Credit Cards Credit cards are popular in Australia. They give you options to pay for goods and services via EFTPOS terminals and they can be used to pay bills online or over the phone. There are many to  choose from, with varying interest terms, annual fees and awards programs. It is important to keep in mind that a minimum monthly payment is mandatory and the balance will be required to be paid in full, in some cases with added interest. Eligibility criteria
will apply.

Personal Loans If you’re buying a car, making home renovations or planning a holiday, a personal loan can be a fast and convenient way to raise finance. They generally have a lower interest rate than credit cards.
Automated direct debits can make repayments easy. Eligibility criteria will apply.

Other products
Most banks also offer access to the following products:
■ Student Bank Accounts
■ Home Loans
■ Insurance (Personal and General)
■ Specialised Accounts e.g. Foreign Currency Accounts, Online Accounts
■ Investment Accounts/Managed Funds
■ Business Banking Products

Accessing your money
With electronic banking, accessing your accounts and making transactions is now easier than ever.
ATMs (Automatic Teller Machines)
ATMs can be used to withdraw cash using an ATM card which is connected to your bank account. Your ATM card will be security protected by a PIN (Personal Identification Number) that you will need to enter into the ATM when prompted.
ATMs can also be used to:
■ Obtain an account balance
■ Obtain recent transaction records
■ Transfer money between your own accounts
■ Change your PIN

Some ATMs also allow you to deposit cash and cheques into your account.
Depending on your account and the owner of the ATM, you may be charged a usage fee and/or a monthly account keeping fee.
EFTPOS (Electronic Funds Transfer at Point Of Sale)
EFTPOS terminals can be found where goods or services are sold e.g. supermarkets or petrol stations. EFTPOS enables you to pay for these goods or services using your ATM card. There are more than 550,000 EFTPOS terminals in Australia
.
Telephone Banking
Most banks offer a phone banking service to access your account balance, make transactions, retrieve recent transaction information and pay bills. When you register for telephone banking, you will be provided with a password and/or an identification number.
Internet Banking

When you register for Internet banking you will be provided with login details and a password. Like all your passwords and PINs, this should never be shared with anyone. Via Internet banking you can:
■ View and check your accounts
■ View recent transaction history
■ Transfer money between your accounts and to third parties
■ Pay bills
■ Conduct IMTs (International Money Transfers)
■ Apply for banking products

Over the Counter
Many people still prefer face-to-face contact with bank staff, especially with more complex products like home loans.

Branch staff can also assist you with transactions, applying for new products or general information. Over the counter transactions may incur a fee.
Moving to Australia? Open a bank account before you arrive.
With the Commonwealth Bank of Australia you can open a bank account before you leave your home country.

The Commonwealth Bank is one of the nation’s most trusted financial institutions, with more than 1,000 branches and more ATMs than any other bank in the country.
Choose the bank more Australians choose.

For more information visit Moving to Australia Checklist http://openoffshorebankaccountfornonresident.blogspot.com/2013/08/moving-to-australia-checklist.html

 

"Debit card for non us resident"

Debit card for non us resident

US Prepaid / Debit / Credit Card / Bank Account Online for Non US RESIDENTS
USA Prepaid / Debit / Credit Card / Bank Account Online for Non US Residents
 No Social Security Number / No US Address
 Free Prepaid Card / Get $25 when you sign up
US CARD / ACCOUNT FOR NON-US RESIDENTS
 - Non-US residents
 - NO Social Security Number
 - Free PrePaid Card
 - Get $25 when you sign up
 - Available to over 200 countries worldwide!

How to Check for Unclaimed Money and Property

It's estimated that at least 1 in 10 Americans are owners of money or property that they haven't claimed. State unclaimed property departments hold billions of dollars' worth of money, securities, and other property in trust, waiting for the rightful owners to claim it. This is the mother of all lost-and-found boxes, and a search through the box can sometimes lead to a pleasant surprise.

Where Does Unclaimed Money Come From?

When significant life changes occur, such as divorce, transfer, or the death of a family member, there's the chance that money or property might be mislaid, forgotten, or abandoned. Here are some of the more common sources of unclaimed money and property.

• Utility deposits often go unclaimed by householders who move and forget to leave a forwarding address with the utility company and the post office.
• Savings accounts go dormant more often than one might think. This may occur, for example, when grandparents open a savings account for a newborn grandchild and, with the passage of time, everyone forgets the account exists.
• Unsettled estates of decedents are a rich source of unclaimed property. Heirs and executors may overlook some of the decedent's property, or the estate may never be settled at all.
• Death benefits from life and accident insurance policies often go unclaimed because the insurance companies can't find the beneficiaries.
• Safe-deposit boxes may be forgotten, and their contents abandoned, when the boxholder moves or dies.
• Payroll checks, dividends, and royalty payments are often undeliverable and forgotten when the payees move or die.

State laws require that businesses, financial institutions, and other holders of unclaimed properties transfer them to the state when the owners' whereabouts are unknown and the accounts have been idle for the period prescribed by law. The state then acts as custodian of the properties for the benefit of the owners. When someone presents satisfactory evidence of ownership or heirship, the state pays or transfers the money or property to the claimant.

Cash Is King Swiss Bankers' New Safe Haven: Safe Deposit Boxes

Swiss banks have been doing an extremely brisk yet totally discreet trade with their "New Safe Haven" solution ever since the Eurozone crisis went into full swing and new bilateral tax-treaties were inked with major countries to prevent secret bank accounts in Switzerland being used for evading taxes. Those two drivers together may have inadvertently contributed to a powerful "New Safe Haven" solution.

Safe Deposit Boxes Full Of 1,000-Swiss-Francs Banknotes
"New Safe Haven" For Hot Money
With rising fear amongst global investors and savers that loose monetary policy by central banks will stoke inflation coupled with a global crackdown against alleged "black money" in secret Swiss bank accounts; Swiss bankers have been quietly selling their "New Safe Haven" solution to their rich clients around the world. Investors in search of extra security are discreetly invited to store large quantities of high-value 1,000-Swiss-francs bank notes in safe deposit boxes. Just one 1,000-Swiss-francs banknote is worth more than 1,000 US dollars, making it easier to store large amounts of cash money in the form of those high denomination banknotes. Switzerland, known for its financial stability, is amongst the few major countries to have its highest banknote denomination set at 1,000-Swiss-francs while the highest value banknotes in the UK and the US are only 50 pounds sterling and 100 dollars respectively. The US used to have high-value notes like $500, $1,000, $5,000 and $10,000 earlier, but those currency bills were printed for the last time in 1945 and are no longer in circulation since 1969 because of concerns about counterfeiting and the use of high denomination cash notes in unlawful activities such as the illegal drugs trade and organised crime.
Large Scale Cash Storage
As the global pressure mounts on Switzerland to give transparent access to relevant client bank account details to powerful countries, the demand is growing for 1,000-Swiss-francs notes as those high-value currency bills make it easier to store large amounts of cash undetected and below the national tax-authorities' radars. Safe deposit boxes, kept inside the premises of Swiss banks, are also reportedly being used to stash gold, diamonds and rare fine art including paintings and sculpture, amongst other valuables. Via the safe deposit box system there is limited risk of being caught by the preying eyes of major countries armed with nascent banking information exchange treaties with Switzerland. According to industry sources, Swiss bankers are quietly telling their rich clients that Switzerland's tax and information exchange pacts with major countries are mostly limited to funds in customers' savings, deposit and investment accounts, and do not apply to the safe deposit boxes because their contents are not considered bankable assets. As a result, the demand has now soared to record high levels for the safe deposit boxes and the 1,000-Swiss-francs banknotes in Switzerland, as the world's rich are rushing to park their wealth in this "New Safe Haven." As per the latest data available from Switzerland's central bank SNB -- Swiss National Bank -- the 1,000-Swiss-francs banknotes now account for 60% of the total value of all Swiss bank notes in circulation, up from about 50% a year ago.
What Are Safe Deposit Boxes?
Most Swiss banks have a vault room where individual clients can rent out a strong box to deposit precious items and documents. To ensure the system’s security, two different keys must be used at the same time to open the box. One is the banker’s key and the other belongs to the client. This means the banker will be there when the client opens the box. To make sure the client’s privacy is preserved, there is a removable metal box inside the strong box. The client takes this removable box to a private booth where he can do what he wants with the contents in the fullest privacy. Small boxes can contain such items as gold coins and gold bars, jewels, bonds and shares, contracts, official documents or even compromising letters. Larger boxes can be used for the safe storage of high value paintings and sculptures.
Demand Outstripping Supply
Given the extra secrecy and protection measures associated with safe deposit boxes, this is now leading to many banks running short of those boxes and they are now offering them only to their ultra wealthy clients. There have been press reports in Switzerland that commercial banks are no longer able to meet client demand for safe deposit boxes. All of the boxes are apparently taken. As a result, people are renting safe deposit boxes in Swiss hotels. One high level source states: "...If you want a bank box in Zurich today, they will require that you have a minimum of a few million Swiss francs on deposit in the bank, before they will even consider you. That is how short of space they are!"
Swiss National Bank (SNB)
SNB has confirmed that there is a significant surge in demand for 1,000-Swiss-francs notes and admitted that this could be due to a trend to store the money and a higher demand has been noticed from abroad for those high-value currency notes. An SNB spokesperson from Zurich confirms: “We assume that the higher demand is in part due to the trend to store value in Swiss franc notes, which is a phenomenon often observed in phases of low interest rates... we further think that the higher demand is to some extent originating from abroad.” SNB did not respond to specific queries about demand from specific foreign countries and said that it does not keep any data on safe deposit boxes.
Rise in "Other" Fees
While there are no official records kept or figures available for the rising proliferation of safe deposit boxes in Switzerland, the commission and fees earned by Swiss banks for such facilities appear to be rising. During 2011, Swiss banks registered a decline in their overall commission earnings, as also in their commission income from core banking operations, the SNB data show. However, their "other commissions", which includes royalty and rental fees for safe deposit boxes, rose sharply.
Queries
Switzerland government’s tax department did not respond to queries about the soaring demand for safe deposit boxes in Switzerland and 1,000-Swiss-francs notes, as also about the possible use of safe deposit boxes to store illicit wealth. They also did not respond to queries about the possible use of those safe deposit boxes to circumvent the bilateral tax treaties and information exchange agreements between Switzerland and other major countries.
Conclusion
The Swiss bank safe deposit boxes may be increasingly filled with:
1. Hot money from Swiss banks' customers whose names and accounts are in the process of being revealed to their host country's tax authorities; and
2. New money from Eurozone nationals -- including Spanish, Italian, French and German citizens -- who fear that their euros will lose value and have therefore kept their money in cash in Swiss francs.
As a result, tens of billions of Swiss francs are gathering dust in 1,000-Swiss-francs notes held in safe deposit boxes. This money has no incentive to emerge, as interest rates in Switzerland are already negative. One is better off leaving the money in a box than in a bank account. The Swiss National Bank (SNB) has already said they won't let the Swiss franc breach 1.20 against the euro because it would make Swiss exports too expensive in euros. So if the euro becomes relatively devalued or even worthless against a basket of major currencies, what happens to the Swiss franc as a store of value? Does it not devalue in parallel with the euro per the SNB stated policy? If so, how and why does the Swiss franc continue to qualify as a safe haven as the euro loses its purchasing power step-by-step? Is there a shock waiting in store for the "New Safe Haven" investors when they discover that the Emperor-in-the-Alps has no special clothes on?

Digipass

Loyal Bank

Loyal Bank is an international bank registered in St. Vincent and the Grenadines.

How to Add a Loyal Bank MasterCard Debit Card in PayPal

How to Add a Loyal Bank MasterCard Debit Card in PayPal System.

Corporate Payment System of Loyal Bank

No more printing checks, fees associated with bank-to-bank transfers, mailing costs and return to sender problems!
The CPS is a cost and time effective way to distribute commissions or salaries to your members, within 24 hours. Each of your member would receive a bank account of their own, a debit card, a PIN for the debit card, and an Internet Access Code to view their balances on-line.
Your members would have access to their funds within a banking day via the bankcard, which is valid for three years and is accepted in almost every country at over 1,000,000 ATM cash machines and with over 30 million POS merchants.

Advantages of our payment solution:

• There is no maximum of accounts to be opened.
• The transfers to your members will be executed within one banking day.
• Confirmation of the transfers in encrypted file format.
• Members can access their money the next day!
• Saving your money and your members' money.
• Members can check their balance via NetBank using the Internet Access Code that we provide your members FREE OF CHARGE.
• The state-of-the-art system is designed to work at an international level.

Address of Migros Bank in Geneva Switzerland

Service Line*
Lu - ve: 8.00-19.00 Sa: 8.00-12.00	+41 848 845 400 (tasto 1) Per informazioni, consulenza o le quotidiane operazioni bancarie. Componga il numero di telefono e prema il tasto 1.
Hotline ipoteche*
Lu - ve: 8.00-18.00	+41 848 845 400 (tasto 2) Per tutte le domande sui prestiti ipotecari. Componga il numero di telefono e prema il tasto 2.
Hotline ordini di borsa*
Lu - ve: 8.30-17.30	+41 848 845 400 (tasto 3) Accettazione degli ordini di borsa ed elaborazione professionale e rapida (senza consiglio - execution only). Componga il numero di telefono e prema il tasto 3.
Hotline per il credito privato*
Lu - ve: 8.00-18.00 (CHF 1.50/min)	0900 845 400 Per tutte le domande sul credito privato.
e-Banking-Hotline*
Lu - ve: 8.00-19.00 Sa: 8.00-12.00	+41 848 845 450 Per domande su M-BancNet o M-IDentity
Hotline per il blocco delle tessere (24 ore su 24)
M-Card e carta Maestro MasterCard e Visa Card Travel Cash	+41 800 811 820 +41 589 588 383 +41 317 101 215
Indirizzo postale	Numeri di riferimenti della banca
Banca Migros SA Centro servizi Casella postale 8010 Zurigo-Mülligen	Clearing bancario: 8401 Conto postale: 80-533-6 Indirizzo SWIFT: MIGRCHZZ80A http://www.migrosbank.ch/it/Ueberuns/Kontakt