What is a giro check?
A giro check is a very simple way to quickly withdraw money from a loan for people without a bank account. In order to withdraw cash, you should go to any Poczta Polska outlet or to Bank Pocztowy. A giro check is an old and well-proven way to withdraw money. Checks were a very popular method of withdrawing cash long before the emergence of electronic accounts. Nowadays, internet banking and modern forms of payment, such as: payment cards or BLIK applications have virtually completely replaced the checks from the turnover, the checks are still willingly used by loan companies.
Who uses the giro check?
Taking the payday loans or other installment loans via the Internet, the most often verification of the borrower’s identity is done by transferring money from the client’s bank account to the bank account provided by the loan company. Later, after the contract is concluded, the loan money is transferred to the borrower’s account. The need to make a verification transfer for customers who do not have their own bank account can be an insurmountable obstacle. Most often, this applies to older people who do not have their own account, but also people who only have a joint account, eg with their spouse. In the abovementioned cases, the lack of an individual account in a bank may make it impossible to get a loan, especially in companies operating via the Internet.
Checks giro, enabling the payment in post offices, changed this situation. Thanks to them, many loan companies allow you to withdraw money to customers who do not have their own account or for various reasons do not want to give it. This form of cash withdrawal also has one additional advantage, namely it allows you to quickly get cash in your hand, if some customer is interested in the time, he can decide on this method of paying the loan. Money can be withdrawn with a giro check as soon as it is received, the only limit is only the working hours of the post. In order to be able to complete the check, you need your ID card and of course the check itself, that is, the document we receive after signing the loan agreement. The money can be collected at every outlet of Poczta Polska and Bank Pocztowy. However, if someone is not convinced to check for various reasons, and at the same time can not use a traditional transfer to the account, they can choose another option, which is a loan with delivery to the customer’s home. The big advantage of this solution is that the companies that serve customers with cash delivery to their homes often have higher loan grants at the same time.
You will not incur any hidden fees.
When choosing a bank transfer as a method of withdrawing a loan, the customer is obliged to confirm the bank account number to which the money will be transferred later, this is done by transferring for symbolic 1 PLN from our account as part of the verification fee. Withdrawals via giro transfer do not require any additional conditions. When choosing a check, the costs are clearly described in each loan company and usually it is an inexpensive option, its cost varies within several zlotys.
Will the payment at the post office help people with bailiffs?
Some people are wondering whether this way of paying out a loan is good for indebted people, or getting cash by postal order, can it help you bypass the bailiff? It is obvious, however, that a standard loan is not a good solution because of a bank account. Will the postal transfer allow you to get cash, which the bailiff will not know? Unfortunately not. In a situation when a bank account was seized, very few companies want to grant a loan. There is no lender among them who offers a payment in the form of a check.
How do you make a giro check?
Granted money for a giro check can be implemented in many companies, mainly in the Poczta Polska and Bank Pocztowy branches, which are located throughout the country. In addition, many companies offering remittances as well as domestic and international transfers also offer giro checks. In addition, the giro check is also honored by grocery stores, DIY stores and some electronics stores, in addition to which check-in checks can be made in many non-bank companies.
As it turns out, using a giro check is very helpful if the person does not have their own bank account. This form of payment of money, despite the fact that it was invented a very long time ago, is still extremely comfortable and appreciated by customers who care about time. The money provided by financial institutions, for example a non-bank company, we get immediately after going to the right institution performing the check of the girls. Not only people who do not have bank accounts decide to make a check, but also people who do not want the loan to be visible on their bank account. We do not have to wait for our bank to post a deposit, it’s more convenient and faster. Of course, one must bear in mind that in order to receive the money granted on the check, we must go to the post office or go to the company paying the giro checks. In the case of a traditional transfer, we can carry out everything in front of your computer without leaving your home.