Procedures and Services

Taxation and transfer payments

Bank transfer is an operation in which the holder of an account available to sight (payer) orders his bank to transfer a sum of money to another account, belonging to the same customer who gave the order or to a different person (beneficiary) .
- This operation thus requires the existence of two accounts: the one linked to the payer (client who orders the transfer and whose account must be debited) in his bank, and the one that exists between the beneficiary (client designated by the payer in the order of transfer whose account must be credited).

Transfers can be sent or received from or to:

- Other BPA branches.
- Other National Banks
* Banco Metropolitano branches.
* Branches of the Banco de Crédito y Comercio.
* Branches of the International Financial Bank.
* Branches of Banco Internacional de Comercio S.A.
- Banks abroad.
- Cuban Institutions.
* FINCIMEX.
* ANTEX.
* Culture Ministry.
- Foreign Institutions
* Consulate General of Spain.


National transfers

- National transfers are issued between branches of the banking system. A natural person can attend a branch of a BPA to send a transfer to a branch of Banco Metropolitano (BANMET) or vice versa.
- The originator of the transfer when appearing at the desired bank branch must also provide the following information:
* Name and surname of the beneficiary
* I.D
* Home address
* Destination branch
* Municipality and province
- The commissions will be depending on whether the transfers sent are to be deposited in the account or to be paid in cash, within the same bank or if they are sent to different banks. These commissions are defined in the Tariff of terms and conditions in force in the BPA.

International transfers

- In order for the money to arrive quickly and safely, it is necessary that when imposing the transfer order, the personal data of the beneficiary in Cuba and the Branch of Banco Popular de Ahorro where you want the money to be received are filled out clearly and accurately. When writing the data, all the details should be offered:

* Names and surnames
* Street, number and apartment
* Between streets
* Location
* Municipality
* Province
* Postal Code
* Phone

PAYMENT SCHEDULE FOR SOCIAL SECURITY PENSIONERS AND RETIREES FOR BRANCHES OF THE BANCO POPULAR DE AHORRO IN 2019.

• Collection on account of third parties
- Social Security
- Taxes and other ONAT contributions
- Compensation Box
- Nursing Home or Grandparent's Home
- Fines
• CADECA operations: purchase and sale of Cuban Pesos (CUP) and Cuban Convertible Pesos (CUC)
• Exchange of foreign currencies for CUC

It is a safe and efficient means of payment. - Allows you not to bring large amounts of cash with you. - It facilitates the purchase of products and services in the Network of Stores and ETECSA points that have the Point of Sale Terminal (POS) or POS service, with a discount of up to 5% of the total amount to be paid. - With the development of the different payment channels, it works as a means of payment for services such as telephone bills, electricity bills and taxes. - It allows purchases or sales of CUC by order and account of CADECA S.A, that is, the client can operate with his card in CUP and extract CUC, and vice versa, according to the current exchange rate. - The Magnetic Card is personal and non-transferable. - The maximum daily amount that can be withdrawn at an ATM or at a POS or POS is 20,000 CUP and 5,000 CUC. - The ATM is not capable of dispensing more than 40 tickets per transaction. - Maximum number of times in the day that cash can be withdrawn: 40 Cautions: - Magnetic Cards must be isolated from electronic equipment such as cell phones, computers, televisions, refrigerators, and others, as well as purses or wallets with magnet snaps, because they can demagnetize. - The access code must not be brought with the card, because in case of loss the cash can be withdrawn. - If the client incorrectly enters the password 6 times, the ATM retains the card and must go to the bank branch that serves the ATM, with its means of identification to collect the card. - In each operation carried out at an ATM, the client is asked for the number of his password, to avoid that if by mistake the card is not withdrawn, another person can withdraw the cash.

Transfer of Property

The Popular Savings Bank, in representation of the State and attending to the functions that are granted to it by the General Law of the Housing, transfers the properties of the state houses, in the pertinent cases, by means of an installment sale contract, in which the buyer becomes a debtor of the State for the amount of the legal price of the house, payable in fixed monthly payments, this also includes the collection of the debts for the price of the houses to the beneficiaries of this Law.

Management Check for Purchase or Compensation in Home Exchange Contracts

By virtue of Decree Law 288 of October 28, 2011, which establishes the Purchase and Sale Act or the Compensation in Home Swap Contracts and the implementation of Resolution 85/2011 of the BCC, the Bank regulates the issuance of management checks in CUP to natural persons for this purpose. The procedure established by the Bank makes it easier for interested persons to request a cashier's check at any bank branch.