{"id":2374,"date":"2020-11-29T10:47:09","date_gmt":"2020-11-29T09:47:09","guid":{"rendered":"http:\/\/localhost\/bdl\/?page_id=2374"},"modified":"2020-11-29T10:47:09","modified_gmt":"2020-11-29T09:47:09","slug":"ecopage-ecretage","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/ecopage-ecretage\/","title":{"rendered":"Ecopage-Ecretage"},"content":{"rendered":"\t\t
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\r\n The Smart Transfer<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What is it ?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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It is a transfer process between accounts allowing the reconstitution of the balance or the placement of a surplus in an intelligent, automatic, flexible and secure way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Eligibility :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\t \t\tCustomer holding two accounts: cheque account and savings account or EL BADIL wishing to fund his cheque account automatically from another account (the reconstitution of the balance).\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tClient titulaire de deux \u00e0 trois comptes souhaitant placer son argent automatiquement \u00e0 partir de son compte ch\u00e8que (le placement du surplus).\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Types of accounts affected:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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This service concerns three types of account:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\r\n\t \t\tIndividual checking account;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\t Classic savings account;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\t Savings account without remuneration;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
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Replenishment of balance – Scooping:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1- Choose the trigger threshold for the operation: e.g.: 10,000 DZD;<\/p>

2- Choose the balance to replenish in your checking account; for example: 20000 DZD;<\/p>

3- A transfer is made automatically from account No. 2 with the amount necessary to replenish your balance already defined, eg: 12,000 DZD;<\/p>

4- Benefit from this operation automatically without going to the agency.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Le placement du surplus- Clipping :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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1- Choose the threshold for triggering the operation from account 1; for example 50000 DZD;<\/p>

2- Choose the amount to transfer to your savings account or EL BADIL and even an account of a third party of your choice;<\/p>

3- A transfer is made automatically to account 2 and 3 with the amount already defined ex 30000 DZD;<\/p>

4- Benefit from this operation automatically without moving.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n

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\r\n How to subscribe <\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Get closer to the BDL<\/h3>\r\n
Identify and designate your accounts with your advisor.\n<\/div>\r\n <\/div>\r\n
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Fill in the form<\/h3>\r\n
Decide on the triggering conditions yourself: triggering threshold, balance to be restored, periodicity;\n<\/div>\r\n <\/div>\r\n
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Take advantage of our benefits<\/h3>\r\n
Smartly manage your assets.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n FAQ<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\r\n What is the Scooping- Clipping smart transfer?<\/a>\r\n <\/div>\r\n
This is a service that allows the Bank's customers to replenish the balance (coping) or invest a surplus (capping) from several bank accounts domiciled at the BDL.<\/div>\r\n <\/div>\r\n
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\r\n To Whom is the Scooping- Clipping smart transfer intended for?<\/a>\r\n <\/div>\r\n
The Scooping-Clipping smart transfer is intended for any natural person holding a minimum of two accounts at BDL level.<\/div>\r\n <\/div>\r\n
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\r\n Which accounts are concerned by the smart transfer Scooping-Clipping ?<\/a>\r\n <\/div>\r\n
The accounts concerned by the Scooping-Clipping smart transfer are as follows:
\n\u2022\tIndividual cheque account;
\n\u2022\tSavings account without remuneration (El Badil);
\n\u2022\t Savings account with remuneration.
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\r\n How many accounts are needed to benefit from the Scooping \u2013Clipping smart transfer? <\/a>\r\n <\/div>\r\n
The number of accounts required for the Scoping-Clipping smart transfer must be associated with two accounts for Scoping and a maximum of three accounts for Clipping, with the possibility of including an account of a client other than the one who ordered the payment. Here are the different account integration scenarios:
\nIndividual cheque account with a savings account with remuneration;
\nCheque account to the individual with a savings account without remuneration;
\nSavings account with remuneration with a savings account without remuneration;
\nPersonal cheque account with a savings account with remuneration\/savings account without remuneration.
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\r\n What is the Scooping-Clipping smart transfer feature?<\/a>\r\n <\/div>\r\n
The smart transfer offers you two features:
\n1-The reconstitution of the balance (scooping) :
\nScooping allows you to replenish your checking account balance from your savings account in a smart and automatic way. The scooping process is as follows:
\nYou hold two accounts at BDL level, a cheque account and a savings account or an El BADIL savings account;
\nYou want to maintain the balance of your checking account at a well-defined amount;
\nYou must choose the following items for replenishing your balance at the agency level:
\nThe threshold triggering the operation: the decrease in the balance below the threshold triggers the scooping;
\nThe balance to be replenished in your cheque account: this is the balance that the customer wishes to have in his checking account when the latter reaches the trigger threshold
\nThe frequency of the smart transfer: daily, weekly or monthly
\nA transfer is made automatically from the savings account (or EL BADIL) with the amount necessary to replenish your already defined balance;
\nIndividual current or savings account with or without remuneration.
\nElement triggering the transfer: decrease in the balance below (lower) the threshold set by the customer on the receiving account concerned by the transfer;
\nScooping is done intelligently and automatically with the frequency of your convenience without having to go to the agency.
\n2-The placement of a surplus: clipping:
\nClipping allows you to automatically and intelligently place your money from your cheque account to your savings account. The clipping process is as follows:
\nYou hold two accounts at BDL level, a cheque account and a savings account or an El BADIL savings account
\nYou want to place your money automatically in your savings account without going to the branch
\nAt the agency level you must choose the following items for the placement of the surplus:
\nThe trigger threshold for the operation: the increase in the balance above the threshold set by the customer on the account concerned triggers the capping
\nThe amount of the transfer: the amount that the customer wishes to transfer from his cheque account to his savings account when the latter reaches the trigger threshold
\nSmart transfer frequency: daily, weekly or monthly
\nA transfer is made automatically from the checking account with the amount defined to the savings account or the EL BADIL account
\nClipping is done in an intelligent and automatic way with a frequency stopped according to your convenience without going to the agency
\nYou can choose two savings accounts to invest your money
\n7- You can choose a savings account from a third party.
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\r\n What are the benefits of this service?<\/a>\r\n <\/div>\r\n
Avoid moving to agency
\nAllows you to build up permanent savings
\nSystem intelligence when scanning accounts for customer desired conditions
\nAllows you to maintain a balance on the particular checking account for its withdrawal as part of a credit
\nFlexibility of daily scanning frequency; weekly ; monthly ;
\nTransfers between accounts by specific amounts
\nSecure transfer
\nRemote asset management.
\nThe flexibility of deleting or adding accounts
\nFree deleting and adding accounts
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\r\n Can I benefit from the BDL Scooping or Clipping service from another bank?<\/a>\r\n <\/div>\r\n
No, the Scooping-Clipping service is reserved only for BDL customers. All the bank accounts concerned by this service must be domiciled at the level of the BDL.<\/div>\r\n <\/div>\r\n
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\r\n Who are the beneficiaries of the BDL Scooping or Clipping transfer?<\/a>\r\n <\/div>\r\n
The beneficiaries of the Ecopage service are:
\nHolder of the individual account (account authorizing the transfer same customer same accounts);
\nHolder of the individual account (account receiving the transfer same customer same accounts);
\nThe beneficiaries of the Clipping service are:
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\nHolder of the particular account (account authorizing the transfer in favor of another particular account);
\nHolder of the particular account (account receiving the transfer from another particular account).
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\r\n How can I subscribe to theScooping or Clipping service?<\/a>\r\n <\/div>\r\n
To join the Ecopage-Cr\u00eatage service of the BDL, you just need to be domiciled at the level of the BDL <\/div>\r\n <\/div>\r\n
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\r\n How can we fix the triggering of this service?<\/a>\r\n <\/div>\r\n
The triggering of this service is automatic and intelligent when the system finds at the frequency of account scanning (decided by the customer) all the conditions met previously chosen by the customer (threshold, balance and amount)
\nThe possibility of scanning frequency offered by the Information System:
\nDaily frequency;
\nWeekly frequency: choice of the day of the week
\nMonthly frequency: Choice of date
\nWhat is the validity period of subscription to the Scooping-Clipping smart transfer?
\nThe period of validity of subscription to the Scooping-Clipping smart transfer is stopped at one (01) year automatically renewable.
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\r\n What is theScooping or Clipping smart transfer threshold?<\/a>\r\n <\/div>\r\n
The amount must be determined by the client according to the following conditions:
\nMinimum amount of transfer: 500 DZD;
\nMaximum transfer amount: unlimited.
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\r\n Can we integrate a commercial account in Scoping or Clipping?<\/a>\r\n <\/div>\r\n
No, this service is exclusively intended for individuals.<\/div>\r\n <\/div>\r\n
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\r\n Can we integrate accounts from different BDL agencies for Scooping?<\/a>\r\n <\/div>\r\n
Yes, this is possible when the accounts belong to the same customer.<\/div>\r\n <\/div>\r\n
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\r\n Can we order transfers from 02 accounts to feed a 03 rd account (Clipping)?<\/a>\r\n <\/div>\r\n
Indeed, this is possible such as the case of 02 particular checking accounts of 02 different customers towards a savings account with or without remuneration from a third party.<\/div>\r\n <\/div>\r\n
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\r\n What is the management fee for the Scooping-Clipping smart transfer?<\/a>\r\n <\/div>\r\n
The fee for managing the Scooping-Clipping smart transfer is broken down as follows:
\nIntelligent transfer (Scooping): 75 DZD \/ Tax excluded per month
\nSmart transfer (Clipping): 75 DZD \/ Tax excluded per month
\nSmart transfer (Scooping and Clipping): 150 DZD Tax excluded per month
\nFees for connecting and adding an additional account: Free
\nFees for deleting an account provided for in the subscription: Free
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The Smart Transfer What is it ? It is a transfer process between accounts allowing the reconstitution of the balance or the placement of a surplus in an intelligent, automatic, flexible and secure way. Eligibility : Customer holding two accounts: cheque account and savings account or EL BADIL wishing to fund his cheque account automatically from another account (the reconstitution of the balance). Client titulaire de deux \u00e0 trois comptes souhaitant placer son argent automatiquement \u00e0 partir de son compte ch\u00e8que (le placement du surplus). Types of accounts affected: This service concerns three types of account: Individual checking account; Classic savings account; Savings account without remuneration; Replenishment of balance – Scooping: 1- Choose the trigger threshold for the operation: e.g.: 10,000 DZD; 2- Choose the balance to replenish in your checking account; for example: 20000 DZD; 3- A transfer is made automatically from account No. 2 with the amount necessary to replenish your balance already defined, eg: 12,000 DZD; 4- Benefit from this operation automatically without going to the agency. Le placement du surplus- Clipping : 1- Choose the threshold for triggering the operation from account 1; for example 50000 DZD; 2- Choose the amount to transfer to your savings account or EL BADIL and even an account of a third party of your choice; 3- A transfer is made automatically to account 2 and 3 with the amount already defined ex 30000 DZD; 4- Benefit from this operation automatically without moving. How to subscribe Get closer to the BDL Identify and designate your accounts with your advisor. Fill in the form Decide on the triggering conditions yourself: triggering threshold, balance to be restored, periodicity; Take advantage of our benefits Smartly manage your assets. FAQ What is the Scooping- Clipping smart transfer? This is a service that allows the Bank’s customers to replenish the balance (coping) or invest a surplus (capping) from several bank accounts domiciled at the BDL. To Whom is the Scooping- Clipping smart transfer intended for? The Scooping-Clipping smart transfer is intended for any natural person holding a minimum of two accounts at BDL level. Which accounts are concerned by the smart transfer Scooping-Clipping ? The accounts concerned by the Scooping-Clipping smart transfer are as follows: \u2022 Individual cheque account; \u2022 Savings account without remuneration (El Badil); \u2022 Savings account with remuneration. How many accounts are needed to benefit from the Scooping \u2013Clipping smart transfer? The number of accounts required for the Scoping-Clipping smart transfer must be associated with two accounts for Scoping and a maximum of three accounts for Clipping, with the possibility of including an account of a client other than the one who ordered the payment. Here are the different account integration scenarios: Individual cheque account with a savings account with remuneration; Cheque account to the individual with a savings account without remuneration; Savings account with remuneration with a savings account without remuneration; Personal cheque account with a savings account with remuneration\/savings account without remuneration. What is the Scooping-Clipping smart transfer feature? The smart transfer offers you two features: 1-The reconstitution of the balance (scooping) : Scooping allows you to replenish your checking account balance from your savings account in a smart and automatic way. The scooping process is as follows: You hold two accounts at BDL level, a cheque account and a savings account or an El BADIL savings account; You want to maintain the balance of your checking account at a well-defined amount; You must choose the following items for replenishing your balance at the agency level: The threshold triggering the operation: the decrease in the balance below the threshold triggers the scooping; The balance to be replenished in your cheque account: this is the balance that the customer wishes to have in his checking account when the latter reaches the trigger threshold The frequency of the smart transfer: daily, weekly or monthly A transfer is made automatically from the savings account (or EL BADIL) with the amount necessary to replenish your already defined balance; Individual current or savings account with or without remuneration. Element triggering the transfer: decrease in the balance below (lower) the threshold set by the customer on the receiving account concerned by the transfer; Scooping is done intelligently and automatically with the frequency of your convenience without having to go to the agency. 2-The placement of a surplus: clipping: Clipping allows you to automatically and intelligently place your money from your cheque account to your savings account. The clipping process is as follows: You hold two accounts at BDL level, a cheque account and a savings account or an El BADIL savings account You want to place your money automatically in your savings account without going to the branch At the agency level you must choose the following items for the placement of the surplus: The trigger threshold for the operation: the increase in the balance above the threshold set by the customer on the account concerned triggers the capping The amount of the transfer: the amount that the customer wishes to transfer from his cheque account to his savings account when the latter reaches the trigger threshold Smart transfer frequency: daily, weekly or monthly A transfer is made automatically from the checking account with the amount defined to the savings account or the EL BADIL account Clipping is done in an intelligent and automatic way with a frequency stopped according to your convenience without going to the agency You can choose two savings accounts to invest your money 7- You can choose a savings account from a third party. What are the benefits of this service? Avoid moving to agency Allows you to build up permanent savings System intelligence when scanning accounts for customer desired conditions Allows you to maintain a balance on the particular checking account for its withdrawal as part of a credit Flexibility of daily scanning frequency; weekly ; monthly ; Transfers between accounts by specific amounts Secure transfer Remote asset management. The flexibility of deleting or adding accounts Free deleting and adding<\/p>\n","protected":false},"author":1,"featured_media":4080,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2374","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/comments?post=2374"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2374\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media\/4080"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=2374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}