A credit card without bank account - November 18, 2009
A major first. Primarily designed to facilitate the transfer of money from immigrants, the Visa payment cards without bank accounts are available from Tuesday in the supermarkets. "For the first time in France that found Visa service for free, without opening an account at a bank," explains Thierry Bricman, project manager within the company MEFTEL specializing in prepaid phone cards . These cards, called "Transcash" will be sold at a price of 19.90 euros in supermarkets Auchan, before extending them to other brands as well as offices in 5000 and tobacco press. In detail, once the pack consisting of two cards (one black, one red) purchased, the customer must call a number to identify themselves so that "the necessary checks" are made and create your PIN.It can then feed the "black card" by buying refills (50 to 500), provided, however, pay an additional cost: EUR 5 for 50 euros, 8 euros to 100 euros or 10 euros for 150 euros. He will also meet monthly management fee of 1.50 euro.
Free transfers by internet or telephone
Besides the ability to pay for purchases like a credit card classic, interest is primarily to make, internet, phone or sms, free transfers on the red card, previously given to the person of his choice. This system already exists in the United States, is essentially "the foreign workers who need to transfer money and who currently go through the U.S. Western Union," explains Thierry Bricman. For him, "is a similar service without moving the window."MEFTEL plans to attract "people" unbanked "who may well make purchases on the Internet or remotely.
According to the company, which hopes to sell "100,000 packs by the end of 2010, the World Bank estimates that 9.2 billion euros the amount of funds transferred annually by foreign workers from France to the Mediterranean countries.
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