If your Bizum is to request money, your request will be pending until your contact joins, at which point the transaction will be completed. Unfortunately, if they don’t join Bizum within two days, the transaction will be automatically be cancelled.<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” bottom_padding=”5%” left_padding_desktop=”0″ constrain_group_2=”yes” right_padding_desktop=”0″ left_padding_tablet=”20%” constrain_group_4=”yes” right_padding_tablet=”20%” left_padding_phone=”24px” constrain_group_6=”yes” right_padding_phone=”24px” bottom_margin=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” zindex=”10″ overflow=”visible” id=”inversions” advanced_gradient_angle=”0″ overlay_strength=”0.8″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”right” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bottom_padding=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][nectar_responsive_text font_size_desktop=”3vw” font_size_tablet=”5vw” font_size_phone=”8vw” font_line_height=”1.1″]\nInvestments<\/h3>\n[\/nectar_responsive_text][\/vc_column_inner][\/vc_row_inner][toggles style=”minimal_shadow” accordion=”true” accordion_starting_functionality=”default” border_radius=”20px”][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”How do I create my automated portfolio?”][vc_column_text]To create the portfolio, go to the Investments section of the app and open an account. Complete a brief questionnaire to find out what your risk tolerance is and we’ll assign you the portfolio that best meets your profile. You’ll have your Myandbank portfolio as soon as you sign the contract. To send money and start investing, you can make a transfer from your Myandbank account or from any other bank.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What do the portfolios invest in?”][vc_column_text]The portfolios invest in index funds from the international managers Vanguard and iShares.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Who manages the index fund portfolios?”][vc_column_text]Myandbank portfolios are a discretionary portfolio management service provided by Andbank.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Where are the funds deposited?”][vc_column_text]The depository entity of the funds managed by Andbank is Allfunds Bank International, S.A.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What types of portfolio are there?”][vc_column_text]There are six types of portfolio, one for each risk profile: Beginners, very low risk; Green Slope, low risk; Blue Slope, medium-low risk; Red Slope, medium-high risk; Black Slope: high risk and Off-Piste, very high risk.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How do I select my portfolio?”][vc_column_text]You can select your portfolio according to your investor profile, which is what determines your needs and goals, which may be more conservative or risky.
\nFor example, if in the questionnaire we award you the Off-Piste Portfolio, you could take out any of our portfolios, since the Off-Piste option is the riskiest.
\nOn the other hand, if your questionnaire showed Red Slope, you could take out the Red Slope, the Green Slope, the Blue Slope and the Beginners portfolios, but you could not invest in the Black Slope portfolio, as this would mean assuming a greater risk than what your questionnaire determined.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How is the investor profile calculated?”][vc_column_text]To open your portfolio you must complete a brief online questionnaire to find out your risk profile. We’ll assign you the right portfolio for your needs. You can repeat the questionnaire as many times as you want.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How do I make my contributions?”][vc_column_text]It’s very simple. You can schedule one-off or regular transfers directly from your Myandbank account \u2013 or from any bank \u2013 to your managed portfolio. They immediately become contributions. The transferred money arrives on the same day if it comes from Myandbank and takes one to three business days if it comes from another bank.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is the minimum investment amount?”][vc_column_text]The minimum investment amount to open the portfolio is \u20ac150.
\nYou can also make one-time or periodic contributions without a minimum amount. Keep in mind, however, that if they are for less than \u20ac150, the money will accumulate until this figure is reached. At that point, it will be invested.
\nIf your contribution is equal to or greater than \u20ac150, it will be invested automatically, except for a small portion that we keep in cash.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How often can I make regular contributions?”][vc_column_text]Whenever you want. You can choose the frequency \u2013 monthly, bimonthly, quarterly, six-monthly and annually \u2013 of your transfers\/contributions and the amount you want to invest.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”When is my money invested?”][vc_column_text]When the cash reaches \u20ac150, it will be invested automatically without you having to do a thing. We’ll raise the purchase orders for the funds within three business days from the time the money arrives. You’ll see your investment made in a maximum of eight business days.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Is 100% of my investment allocated to purchasing funds in automatic portfolios?”][vc_column_text]No. 99.5% is invested. 0.5% of your investment is held in cash.
\nThis percentage is lower than the amount most banks hold in cash \u2013 generally 1% \u2013 when providing this type of service. By default, we hold a small portion of your investment in cash \u2013 around 0.5% of the portfolio value \u2013 to cover future custody and management fees that are charged quarterly. There is then no need to refund funds to collect fees.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Can I have multiple portfolios at the same time?”][vc_column_text]Yes, it is possible to open more than one portfolio per customer. For each portfolio you open, you’ll have to fill out the risk profile questionnaire.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What fees are charged?”][vc_column_text]The automated portfolio service involves a management fee of 0.30% and a custody fee of 0.20% (IGI [General Indirect Tax] included). Payment is made quarterly to the cash account linked to the index fund portfolio.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the tax implications of portfolios?”][vc_column_text]The capital gain generated in the purchase and sale of investment funds has no tax impact on individuals under current Andorran regulations.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What is the liquidity of the portfolios?”][vc_column_text]Daily, just like the funds in which they invest.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How can I cancel my portfolio?”][vc_column_text]You can cancel your portfolio at any time from the app. The cancellation process takes 1 to 8 business days.How can I cancel my portfolio?[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” bottom_padding=”5%” left_padding_desktop=”0″ constrain_group_2=”yes” right_padding_desktop=”0″ left_padding_tablet=”20%” constrain_group_4=”yes” right_padding_tablet=”20%” left_padding_phone=”24px” constrain_group_6=”yes” right_padding_phone=”24px” bottom_margin=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” zindex=”10″ overflow=”visible” id=”targetes” advanced_gradient_angle=”0″ overlay_strength=”0.8″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” shape_type=”” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”right” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bottom_padding=”3%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][nectar_responsive_text font_size_desktop=”3vw” font_size_tablet=”5vw” font_size_phone=”8vw” font_line_height=”1.1″]\nCards<\/h3>\n[\/nectar_responsive_text][\/vc_column_inner][\/vc_row_inner][toggles style=”minimal_shadow” accordion=”true” accordion_starting_functionality=”default” border_radius=”20px”][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”Does the card cost anything?”][vc_column_text]The card is free and has no associated fees.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”Is there a fee for withdrawing cash from ATMs?”][vc_column_text]You can withdraw money for free at any ATM in Andorra, regardless of the bank.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”What security measures does the card have?”][vc_column_text]\n
The card has maximum security against fraud thanks to EMV chip technology, as well as methodical monitoring to detect fraudulent transactions.<\/p>\n
For secure online purchases, the Visa Secure service provides protection through a personal OTP (one-time password). It is the only service that guarantees the authentication and identification of card users at participating online stores.<\/p>\n
It also has free anti-fraud insurance, which will protect you if your card is lost or stolen. There is also a service which immediately sends you an SMS or push notification informing you of all your purchases over \u20ac50.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”Can I deposit money with my Myandbank debit card?”][vc_column_text]\n
Yes, you can deposit money with your debit card at Andbank ATMs located at Pla\u00e7a Reb\u00e9s, 7 and Carrer Na Maria. Pla, 35, in Andorra la Vella; Carrer Fiter i Rossell, 4, Escaldes-Engordany, and Avinguda Verge de Can\u00f2lich, 53, Sant Juli\u00e0 de L\u00f2ria.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”What are the benefits of anti-fraud insurance?”][vc_column_text]\n
Anti-fraud insurance covers loss, theft or robbery of your card. The transactions covered are purchases made with the card, cash withdrawals at ATMs, as well as online and telephone transactions.<\/p>\n
Coverage for claims arising from these cases guarantees the following maximum compensation:<\/p>\n
VISA DEBIT: \u20ac1,500 per claim<\/p>\n
The insurance has a limit of up to 35 transactions<\/p>\n
Up to 72 hours prior to the time the complaint is filed, which must have been within the last 45 days.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”How can I activate my card?”][vc_column_text]\n
Once you have your card, you can activate it from the app.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”How can I get my card PIN?”][vc_column_text]\n
Get your PIN through the app. When you receive a notification that we have your card, a Check PIN button will appear on the main screen. Press it and you’ll receive an SMS with your PIN. You can always change it at any Andbank ATM.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”h3″ heading_tag_functionality=”default” title=”What happens if I am not at home when the card arrives?”][vc_column_text]\n
If you’re not at home at the time of delivery, we’ll leave the card in your letterbox. If we can’t find your building, we’ll contact you to request more information about the delivery address.<\/p>\n
If your card couldn’t be delivered, we’ll send instructions on how to collect it via the Myandbank app.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What time can I pick up my card from the Myandbank corner?”][vc_column_text]The Myandbank Corner is located in the reception area of the Andbank business centre at Carrer Manuel Cerqueda i Escaler 4-6, Escaldes-Engordany. It is open Monday to Friday from 8.30 a.m. to 6 p.m.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What are the limits of the Myandbank card?”][vc_column_text]\n
The Myandbank card is a debit card, so its limit is the balance you have in your Myandbank account. However, there is a daily limit of \u20ac1,800.<\/p>\n
For ATM transactions, the daily withdrawal limit is \u20ac1,000, while the monthly limit is \u20ac5,000.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What do I do if my card is stolen or lost?”][vc_column_text]\n
If your card is stolen or lost, call the emergency numbers +376 739 039 or +34 913 62 62 00 to report the incident.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How do I request a card?”][vc_column_text]\n
On the Myandbank app. On the main page you’ll see the Request card button. Click it and follow the steps. Choose the delivery method: you can have it sent to your home or pick it up from the Myandbank Corner. We will notify you via the app when it is ready.<\/p>\n[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Is there any way I can find out how much I spend on the card?”][vc_column_text]\n
You can instantly see any spending on your card in your account.About Myandbank<\/p>\n[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"
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