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I want to order online but am not sure if I need and Internet Banking account!
Please help!!!

you can use either your credit or debit card.. but if you dont have either of those, theres this visa giftcard that you put money on and you can use it as a credit/debit card. you dont need a bank account for that

There is a common misconception that people who cannot store their unaccounted wealth in their own country open accounts in Swiss banks. Even though this may be true to an extent, Swiss banks are well known for their sophisticated and discreet banking services.

Many of the rich and famous like film stars, business entrepreneurs, top government officials, presidents, etc, are reputed to have Swiss bank accounts. Then again, it is also said one need not be a multi-millionaire to open a Swiss bank account.

Brief Background of the Swiss Banking System

One of the most prosperous and economically advanced nations, Switzerland has the world’s largest gross domestic product (GDP). There are nearly 400 banks in Switzerland, which range from the “Two Big Banks”, to smaller banks, serving single communities or selective clients. Considered as the world’s largest offshore financial center, the Swiss banking sector is renowned for its privacy, stability and protection of their customer’s information and assets. The Federal Banking Commission (FBC) regulates these banks.

Opening a Swiss Account

Often freely available, a Swiss bank account provides total confidentiality, strict privacy, and is tax-free. However, certain documents are required as proof to open a Swiss account. For example, people who are not residents of Switzerland need to furnish their passports, along with a passport size photograph. Depending on the profession, a current bank statement would be required to determine the client’s current financial condition. Along with this, certain personal information, like the date of birth, country of origin, etc., is also required.

A useful feature of Swiss banking is that it can also be done via correspondence as long as the customers follow bank rules and regulations. The bank and customer could interact through the Internet, telephone or snail mail.

However, a drawback of Swiss banking is that non-residents are expected to pay a hefty amount as deposit, and, the smaller accounts are more expensive to maintain. There is a clause especially for US citizens wherein they are expected to refrain from making any business transaction through their Swiss accounts, to keep their account privacy intact.

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Deposit

A security deposit is needed in case the customer wants to obtain a credit card. Approximately 1.5 to 2 times the monthly credit limit is demanded, depending on the bank the customer chooses. This deposit is returned when the customer decides to discontinue the credit card, and has paid all outstanding bills.

Confidentiality

There are legends about mysterious numbered accounts in Swiss banks. Some high security bank accounts are given pseudonyms or special names instead of issuing them in the name of the customer, to preserve the anonymity of the customer. This number or name is used wherever the customer is referred. Moreover, even bank employees are expected to respect the customer’s privacy, the failure of which could land them in prison for several months.

However, Swiss banks, being very particular about preventing money laundering, crosscheck the authenticity of the information provided by the customer. If, during the scrutiny, the bank finds the information of a potential or existing customer connected to some criminal activity, a Swiss judge or prosecutor issues a lifting order. These investigations could include international criminal investigation for tax fraud, insider trading, or the infamous terrorist financing of recent times.

Closing of an Account

Despite a few negative notions about Swiss banking, closing an account is said to be easier than expected. No financial penalty is demanded, and neither is the money held hostage, like it is done in other off shore banking.

To conclude, the secrecy and discreet nature of Swiss banking makes them convenient and dependable. This not only helps customers to save money, but also is a viable means of attaining economic superiority in the business world and society as a whole.

Joseph Kenny
http://www.articlesbase.com/finance-articles/all-you-need-to-know-about-swiss-banking-69562.html

If you have a bank account, then you might have heard about Internet banking. If you use computers regularly or not, Internet banking could really be useful to you. There are a large number of benefits to Internet Banking, and when used well they can replace a lot of the functions of your regular banking. If you want to know more then here are some of the benefits of online banking.

Rise of online banking

Over the last few years, online banking has become more and more popular. From a few high street banks offering online services to some banks now operating totally online, there are a lot of options to choose from. As many as half of all banking customers use some form of online banking, which shows how useful it can be.

Where to look

Looking for online banking is just like looking for a regular bank. You need to shop around and look for the best account and deals for you. Of course, if you are happy with your current bank then it is possible that you can get all of your current bank account features online right now. However, it pays to look at other online banking deals so that you don’t miss out on the best features.

Ease of use

Although some people might find the idea of banking online daunting, if you can use a computer at all then it is really very easy. Most online banking requires a few clicks of a mouse to access all your account features, and works very much like a normal bank statement, but onscreen rather than on paper. Most people find that once they have used online banking once or twice they can get the hang of it, even if they don’t use the Internet for many other things.

Quick transfers

One of the major benefits of online banking is the ease and speed at which you can transfer money. You don’t need to go down to your local branch anymore, as you can simply type in the details and the amount you want sent and it is done straight away, allowing for normal clearance times.

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Saves time

Whatever you are using online banking for, it will save you time. You don’t need to wait in a long queue at a high street bank, and you can view your statements and account details at any time of the day or night. This can save you a lot of time, especially if you run a small business and need to carry out a number of banking procedures each day.

Better money management

Most people find that online banking allows them to manage their money much more efficiently. Being able to view your account instantly and check each transaction as it occurs means that you know exactly what you are spending each week or even each day, rather than waiting for that monthly statement. It also means you can check for any discrepancies or problems much more quickly, which helps to keep your money safe.

Are there any problems?

Of course, there are the same problems with online banking as there are with regular banking. Sometimes there are security problems or errors, and not everything can be done online. Also, online banking is less personal, and there are times when seeing your bank manager or other bank staff is necessary. However, for the quick transfer of funds and for viewing account details, online banking is something that everyone should use.

Peter Kenny
http://www.articlesbase.com/finance-articles/the-benefits-of-online-banking-56783.html

i want the answer to the question in two part that is, the first part should contain the importance of inetrnet banking to banks and the second part the importance of Internet Banking to customer.

You should have done your homework already. Go to school/college and confess that you haven’t.

It would seem that the computer is becoming a bigger and bigger part of our lives each and every day. There’s good reason for that perception… it’s true. One specific area that is becoming incredibly popular is online banking. Customers love it because it is very convenient and a great time saver. The banks love it because it automates a great many functions for them and cuts down on their overhead.

The number one concern of anyone that deals with online banking should be security. Putting your personal information over the Internet can be risky, there is no denying that. Fraud and identity theft have become huge problems in the modern age. There are any number of hackers and thieves out there in cyberspace just waiting to prey on innocent people.

Fortunately for us, the financial institutions of the world are very aware of this problem and are working aggressively to combat it. There was a time when a bank’s chief security concern was whether they would be robbed or not. I think we’ve all seen the old movies about Bonnie & Clyde, John Dillinger and the like… to say nothing of the daring train robberies of the wild west. Now banks face a new and much deadlier challenge than ever before, and instead of wearing a mask and using a gun, the bad guys are now invisible and use keyboards.

Identity theft has now become so prevalent that thieves are rifling through garbage to attain any information that they can use to steal from their unsuspecting victims. With this said, there are some simple, common sense approaches that will go along way to securing personal bank information.

1. Do not share your passwords with anyone.

2. Keep important documents locked in a safe or safety deposit box.

3. Shred documents that you no longer need.

4. If you bank online, make sure your bank is using a secure, encrypted site (It’s OK to ask what security features they employ).

I trust that what you’ve read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

5. When using an ATM make sure no one can see the codes you enter.

These are a just a few of the things that can be done to keep banking information secure and to avoid possible crimes against you. While many of these suggestions seem to be glaringly obvious, all to many times they are taken for granted or just plain ignored. It is at these times when the criminals are at their best. Individuals that grow careless and complacent are exactly what criminals look for. Don’t be counted as one of the careless!

From the analysis of Trend Micro, a company that specializes in computer security, you can clearly see that the year 2004 was a record year for the distribution of computerized viruses: 30 attacks, 28 of which were medium risk and two high risk. Three worms held the first position: Bagle, Mydoom and Netsky, which, together with their variants, were the cause of 25 of the registered attacks.

Email was the preferred channel of diffusion used by the hackers, but some choose other channels to illegally to create more serious damage. The indiscriminate sending of email messages and/or newsletters (Spam), without the consent of the receiver, is illegal. In some countries the authorities established that: to send email published without the consent of the receiver is illegal. If this activity is done systematically for profit, you also violate a criminal norm and could be reported to the judicial authorities.

There are several sanctions, and in the worst cases, even imprisonment. The considerable damage that these activities have done to companies and people has been enormous. Moreover, another tragedy called Phishing (the name given to the system that captures information like passwords or other personal information) is used by many hackers that pretend to be reliable people seeking information. These hackers send false emails containing eBay, Pay Pal graphics and official logos and also offer Banking and Credit Card services. They ask for personal data, often your passwords or Credit Card numbers, which ends up in the data bank of the hacker who had sent the false email. The experts define this illegal practice as a form of “Social Engineering”.

Europe and the United States have promoted two very distinct initiatives that will start at the same time. The intention is to defeat that virtual monster that has caused damage amounting to millions of dollars.

“Safer Internet Plus” is the project carried forward in Europe. The main target of the project is to beat Spam. The American project on the other hand is called “Digital PhishNet” and is based on the collaboration of several institutions, such as the FBI and private companies. The target is to identify and to bring to justice those people responsible for online fraud.

Hopefully, as we gain a better understanding of the overall threat posed by internet hackers and other illegal user of the internet, we will be better able to counter the attack. Only time will tell!

Take time to consider the points presented above. What you learn may help you overcome your hesitation to take action.

Michael Hehn
http://www.articlesbase.com/finance-articles/how-to-keep-your-banking-information-safe-87787.html

For those of you who have never tried online banking you really do not know what you are missing. It is such a convenient way to pay your bills, keep track of the money in your accounts and make your investments. The beauty of it is that it is all done on secure websites with passwords and layers of protection for your money. This is only part of the convenience.

As well, it is done from your home or office computer during the hours that are easy for you to manage and not necessarily the hours your bank is open. If you have your pay checks deposited directly into your bank account you may never have to visit your bank during business hours. An ATM can provide you cash and you can pay your bills over the Internet. Not only is this convenient, but it usually costs you less to use these services then to do your banking in person.

The use of an Internet service through your bank offers you many services beyond simply paying your bills. You can also get your bank statements this way instead of having them mailed to you. You can transfer money between your various bank accounts. This means all you need to keep in your checking account is just enough to pay your bills until you transfer funds in to pay the next bill.

That allows you to keep your money in your savings account for longer and so to make the maximum amount of interest on your money. You can even use your banks web service to apply for loans or change your loan repayment structure. These applications are all available online. There are even banks that operate solely by offering online banking services.

They have been nicknamed virtual banks. These have the advantage of doing everything for you over the Internet and so can offer higher interest rates and lower costs as they keep their costs down by not having a facility for you to visit.

Other reasons to use these growing web based bank services is that you will never get a check returned to you because bank personnel could not read your handwriting or because you wrote the wrong information on the check. It will be right all the time because you will be feeding it directly into the computer.

You will not have to worry about being late with payments either. As long as you pay the bill a couple of days before its due you will be on time every time. That means having to work late, being ill, or out of town will never again make your payment late; five minutes on a computer, even at an internet cafe and you will be able to pay your bills using your online banking service.

Craig Thornburrow
http://www.articlesbase.com/finance-articles/why-online-banking-beats-standing-in-lines-126650.html

I am interested in online investment in MFs, but I donot have internet banking facility in mostly required bank like HDFC, Axis etc for online transation. Is is possible to make the required transaction from other person’s account? Please advise.

did not understand your question. why do you need Internet Banking facility in all banks to do online transaction.
one bank is sufficent.
more than that you can download the commoan application form from most websites . fill it and sent it by post with a first cheque . the next cheques can be done by submitting the ECS form along with the first cheque.

Numerous internet users are still ignorant about the potential of internet marketing. Advances in technology related to the internet have brought many special benefits to marketing. A lower cost for the distribution of information to a wide global audience is one such advantage.

There are more than a billion users of the internet spread across the world. This number represents a large consumer base or marketplace. Such buying or selling of goods or services online is called e-commerce. Other advantages resulting in an increase in the number of people opting for online shopping are competitive prices, easier comparison of prices of similar products, wider range of products, and the comfort of shopping from home and having products delivered to wherever one chooses.

The internet has both creative as well as technical aspects which are integrated by internet marketing techniques. These aspects include design, development, advertising and sales. In order to be effective, internet marketing requires a well planned strategy that integrates a particular company’s business model and sales goals with the appearance and function of its website. For more details visit to www.the-forum-list.com .This enables the company to focus on its target market by way of proper advertising type, media and design.

Free internet marketing and the quantum of revenue created depends on a proper identification of the target end user group. It starts with identifying who the potential customer is and what is their requirement. It is essential to know their problems and desires. The seller should put oneself in their place and try to find out what would make them feel better. Therefore before embarking on an internet marketing venture, it is advisable to research the target market interested in free internet marketing.

After identification of the target consumer base, the next step is to become aware of the competition. The activities of competitors related to the products and the strategies adopted by them to promote their sales online should be carefully evaluated. For more information logon to www.sell-using-the-web.com .Their weaknesses with regard to the quality of products sold and guarantees, if any, are to be sought out. Competitors can be of various types. They are: The typical business houses and retail stores which have created online outlets.

Online service companies which offer services ranging from travel, dating and banking services online. Internet marketing has also spawned a special group of pioneers who have devised ingenious techniques of online marketing including article marketing, pay-per-click ads, mini-sites etc. Affiliate Marketing is one of the least understood but most profitable forms of internet marketing. Through such programs it is possible for an online marketer to join an affiliate program and promote it products or services on the internet.

Free internet marketing does not have a single effective strategy for internet marketing. The individual situation determines the success and effectiveness of any internet marketing plan. As internet marketing becomes more popular and successful, it would become the choice as a full-fledged career, offering the freedom rarely seen in other professions.

Rameshcmscomputer
http://www.articlesbase.com/internet-marketing-articles/creative-and-technical-aspects-of-internet-marketing-techniques-640836.html

With a high speed connection, you can play games online, also against other persons and in real time, via gaming websites for example. You can also download music and listen to streaming tunes at lightning speed compared to your old dial up tortoise. The remarkable speed of broadband has made internet use more convenient, and it has improved the quality of many existing online activities such as shopping, banking, downloading audio and video, and gaming. Office networks can be accessed at lightening speed from home or anywhere that provides a broadband connection.

Broadband can be provided from a dedicated line such as cable or ISDN, or over the top of your phone line as ADSL. Now the maximum possible for cable is around 50 mbps and 100 mbps for ADSL. Mbps is short for mega bits per second. Approximately 6 million people in the UK use ADSL with an extra 3 million using a cable connection, meaning 9 million people in the UK have an always-on internet connection.

The technical solutions now allows you to keep your phone lines free so you can make and receive calls while using the Internet. Nowadays, many vendors are offering incentives such as reduced cost for service, free equipment, rebates on installation charges and other perks for a high-speed broadband service.

With a cheap broadband and some very cheap equipment, a headset and a web cam you can now communicate with friends and family all over the world for free. It’s an excellent way of communicating with loved ones around the world. Of course you can also use more features with a cheap broadband and many now can work from home thanks to the excellent software and hardware available.

Many VoIP (voice over internet protocol) service providers are including the ATA at very low cost or even for free in some cases. Usually there are significant cost savings by using broadband phone services that can alleviate the negative effects of service quality.

One attractive selling point of broadband phone service is the low cost of long distance and international calls. If you have a broadband and use Skype you can talk for free all over the world with anyone that is connected to the internet. You can use a service with Skype and call very cheap to ordinary phones in most countries of the world.

There is nothing cooler than a broadband hookup by satellite for your motor home or recreational vehicle. Broadband is affiliated with broadband satellite internet but in areas which are not under the range of the high-speed broadband connection, or where dial-up access is extremely slow, satellite broadband internet is a boon. The broadband satellite internet has provided hope for rural subscribers who are outside the coverage areas of most internet service providers.

Louise H Wasa
http://www.articlesbase.com/internet-articles/high-speed-internet-can-be-the-cheapest-broadband-120467.html

I want to unregister from Internet Banking and go back to basics. This is so I can save more money and get rid of the temptations of being about to spend what money I have available.

for more help ; open the second & third link in:
www.all-bank-credit.co.cc