{"id":2562,"date":"2020-12-04T21:50:04","date_gmt":"2020-12-04T21:50:04","guid":{"rendered":"http:\/\/localhost\/bdl\/?page_id=2562"},"modified":"2020-12-04T21:50:04","modified_gmt":"2020-12-04T21:50:04","slug":"cash-vouchers","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/cash-vouchers\/","title":{"rendered":"cash vouchers"},"content":{"rendered":"\t\t
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\r\n Cash voucher <\/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 ?<\/h6>\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 financial investment in Algerian dinars, as a claim that can be made by a natural or legal person in registered bearer or anonymous form.<\/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<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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<\/i><\/div>\r\n \t
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\r\n\t \t\tAny natural or legal person.\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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Validity<\/h6>\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\tThe minimum validity of the BDL cash voucher is three (03) months.\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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Remuneration<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The remuneration of the BDL cash voucher is as follows :<\/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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<\/i><\/div>\r\n \t
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\r\n\t \t\t03 to 06 months : 2% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\t06 to 12 months : 2.25% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\t12 to18 months : 2.5% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
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\r\n\t \t\t18 to 24 months : 2.75% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\t24 to 36 months : 3.25% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\t36 to 42 months : 3.5% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\t42 to 48 months : 3.75% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\t48 to 54 months : 4% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\t54 to 60 months : 4.25% ;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tBetween 50 million DZD and 100 million over 03 years: 4.70%;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tMore than 100 million DZD over 05 years: 5%.\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 <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n How do I 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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<\/div>\r\n
\r\n <\/g><\/g> <\/path> <\/path> <\/g> <\/g><\/svg> <\/div>\r\n

Get closer to the BDL<\/h3>\r\n
Go to one of our BDL branches;<\/div>\r\n <\/div>\r\n
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<\/div>\r\n
\r\n <\/g><\/g><\/path><\/g><\/svg> <\/div>\r\n

Choose<\/h3>\r\n
Choose the amount and duration of your investment;<\/div>\r\n <\/div>\r\n
\r\n
<\/div>\r\n
\r\n <\/g><\/g><\/path><\/path><\/path><\/path><\/path><\/path><\/g><\/svg> <\/div>\r\n

Manage your expenses<\/h3>\r\n
Grow your assets with peace of mind.<\/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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\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 <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n What is a Cash Voucher ?<\/a>\r\n <\/div>\r\n
It is a financial investment and an investment product in Algerian dinars, as a claim that can be made by a natural or legal person in registered bearer or anonymous form.<\/div>\r\n <\/div>\r\n
\r\n
\r\n How is a Cash Voucher represented?<\/a>\r\n <\/div>\r\n
The BDC is represented by forms detachable from a counterfoil book. When the subscribed BDC formula cannot be delivered immediately and a payment receipt has been issued, this document must be collected at the time of the delivery of the BDC.<\/div>\r\n <\/div>\r\n
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\r\n Do I have to be domiciled to benefit from a cash voucher?<\/a>\r\n <\/div>\r\n
Indeed, you must be domiciled to benefit from a BDC. In the case of a new customer, it is necessary to have a bank account (commercial or private) to be able to benefit from the Cash voucher product.<\/div>\r\n <\/div>\r\n
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\r\n What is the remuneration of investments in cash vouchers?<\/a>\r\n <\/div>\r\n
Remuneration of BDL cash certificates is as follows:
\n\u2022\t 03 to 06 months: 2%;
\n\u2022\t06 to 12 months: 2.25%;
\n\u2022\t12 to 18 months: 2.5%;
\n\u2022\t18 to 24 months: 2.75%;
\n\u2022\t24 to 36 months: 3.25%;
\n\u2022\t36 to 42 months: 3.5%;
\n\u2022\t42 to 48 months: 3.75%;
\n\u2022\t 48 to 54 months: 4%;
\n\u2022\t54 to 60 months: 4.25%;
\n\u2022\tBetween 50 million DZDand 100 million over 03 years: 4.70%;
\n\u2022\t More than 100 million DZD over 05 years: 5%.
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n How can we subscribe to a Cash Voucher?<\/a>\r\n <\/div>\r\n
The Cash Voucher can be subscribed in registered or anonymous form, for minimum period of (03) months.
\nThe subscription of the BDC does not give rise to any particular formality. However, the subscription of a BDC in registered form and by the occasional customer is subject to the establishment of the signature card which is at the level of the commercial agency.
\n
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n What are the benefits of the Cash Voucher ?<\/a>\r\n <\/div>\r\n
\u2022\t The capital is returned in full;
\n\u2022\t The remuneration of a savings certificate is progressive. The longer the maturity, the higher the interest rate;
\n\u2022\tFunds remain available. Possibility of requesting the reimbursement of a cash voucher before the due date;
\n\u2022\tBDC anonymity\/discretion;
\n\u2022\t The freedom to subscribe to the various BDCs by the client, without justification of the origin of his funds;
\n\u2022\tNo loss on investment.
\n
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n What are the different operating methods of a cash voucher ?<\/a>\r\n <\/div>\r\n
Pledge: Cash vouchers can be assigned to the Bank as collateral for commitments given (mortgage, consumer credit, etc.);
\n\u2022\tOpposition: opposition to a Cash Voucher may occur at the initiative of the subscriber, in the event of loss or theft upon submission of a request containing all the characteristics of the Voucher with a declaration of loss;
\n\u2022\tInheritance: Only the Bonds of physical persons, registered and endorsed are likely to be the subject of a payment within the framework of the inheritance;
\n\u2022\tTaxation: In the case of taxation not paid by the subscribing client, the bank will deduct at source a tax on the interest paid to the clientele and will proceed to its payment to the tax authorities on behalf of the customer.
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n Is it possible to renew the BDC before the expiry date? If yes, how?<\/a>\r\n <\/div>\r\n
Yes, the renewal is carried out at the written request of the subscriber before the expiry date of the BDC.
\nOtherwise, and at maturity, the Bank is exceptionally authorized to renew the old investment once and for a maximum period of three months at the rates corresponding to the period.
\nThe renewal must first be preceded by the reimbursement of the expired BDC. The same treatment must be observed as if it is a new subscription.
\n<\/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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\r\n
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\r\n What are the methods of reimbursement of a BDC?<\/a>\r\n <\/div>\r\n
The redemption of a BDC can only be made if it is presented, at maturity or in advance at the request of the client.<\/div>\r\n <\/div>\r\n
\r\n
\r\n What are the conditions for early redemption?<\/a>\r\n <\/div>\r\n
Early redemption is authorized under the following conditions:
\n
\n\u2022\t In case that the request occurs within a period of less than three (03 months), the BDC does not give rise to any remuneration;
\n\u2022\t When the period is equal to or greater than three (03) months, the remuneration is paid by application of the period run and at the rates of remuneration corresponding to this period, reduced by 1%;
\n\u2022\t The Savings Certificate can be redeemed in advance. In this case, the interest is readjusted according to the actual duration of the investment and a penalty is then applied in accordance with the Bank's conditions in force. Reimbursement is made on the basis of a request signed by the customer.
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n How can the cash voucher be reimbursed in advance?<\/a>\r\n <\/div>\r\n
The cash voucher can be reimbursed in advance. In this case, the interest is readjusted according to the actual duration of the investment and a penalty is then applied in accordance with the Bank's conditions in force. Reimbursement is made on the basis of a request signed by the customer.<\/div>\r\n <\/div>\r\n
\r\n
\r\n What are the uses of BDC?<\/a>\r\n <\/div>\r\n
The BDC can be used as a deed of pledge with the Bank, as a guarantee for commitments given (balance sheet and off-balance sheet) drawn up by the Bank and signed jointly with the customer.<\/div>\r\n <\/div>\r\n
\r\n
\r\n How should the formalities for registering the deed of pledge be?<\/a>\r\n <\/div>\r\n
The formalities for registering the deed of pledge must be completed by the customer, who may claim the setting up of his financing against delivery of the duly registered deed and the cash vouchers given as collateral to the Bank.<\/div>\r\n <\/div>\r\n
\r\n
\r\n How to proceed with the repayment of the BDC at maturity?<\/a>\r\n <\/div>\r\n
The cash voucher must be recorded on a monthly schedule on which the following information will be given :
\n\u2022\tSubscription date;
\n\u2022\tVoucher number;
\n\u2022\t Surname and first name (for nominative vouchers), form (for others);
\n\u2022\tInterest rate ;
\n\u2022\tAmount ;
\n\u2022\tDue date;
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n What to do in case of loss or theft of a BDC?<\/a>\r\n <\/div>\r\n
In case of loss or theft of a Cash Voucher, a notice of opposition may be issued at the subscriber's initiative, containing all the characteristics of the Voucher, accompanied by a declaration of loss or a receipt for the filing of a complaint. , if necessary, of a judicial decision ordering the opposition.<\/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 \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Cash voucher What is it ? It is a financial investment in Algerian dinars, as a claim that can be made by a natural or legal person in registered bearer or anonymous form. Eligibility Any natural or legal person. Validity The minimum validity of the BDL cash voucher is three (03) months. Remuneration The remuneration of the BDL cash voucher is as follows : 03 to 06 months : 2% ; 06 to 12 months : 2.25% ; 12 to18 months : 2.5% ; 18 to 24 months : 2.75% ; 24 to 36 months : 3.25% ; 36 to 42 months : 3.5% ; 42 to 48 months : 3.75% ; 48 to 54 months : 4% ; 54 to 60 months : 4.25% ; Between 50 million DZD and 100 million over 03 years: 4.70%; More than 100 million DZD over 05 years: 5%. How do I subscribe Get closer to the BDL Go to one of our BDL branches; Choose Choose the amount and duration of your investment; Manage your expenses Grow your assets with peace of mind. FAQ What is a Cash Voucher ? It is a financial investment and an investment product in Algerian dinars, as a claim that can be made by a natural or legal person in registered bearer or anonymous form. How is a Cash Voucher represented? The BDC is represented by forms detachable from a counterfoil book. When the subscribed BDC formula cannot be delivered immediately and a payment receipt has been issued, this document must be collected at the time of the delivery of the BDC. Do I have to be domiciled to benefit from a cash voucher? Indeed, you must be domiciled to benefit from a BDC. In the case of a new customer, it is necessary to have a bank account (commercial or private) to be able to benefit from the Cash voucher product. What is the remuneration of investments in cash vouchers? Remuneration of BDL cash certificates is as follows: \u2022 03 to 06 months: 2%; \u2022 06 to 12 months: 2.25%; \u2022 12 to 18 months: 2.5%; \u2022 18 to 24 months: 2.75%; \u2022 24 to 36 months: 3.25%; \u2022 36 to 42 months: 3.5%; \u2022 42 to 48 months: 3.75%; \u2022 48 to 54 months: 4%; \u2022 54 to 60 months: 4.25%; \u2022 Between 50 million DZDand 100 million over 03 years: 4.70%; \u2022 More than 100 million DZD over 05 years: 5%. How can we subscribe to a Cash Voucher? The Cash Voucher can be subscribed in registered or anonymous form, for minimum period of (03) months. The subscription of the BDC does not give rise to any particular formality. However, the subscription of a BDC in registered form and by the occasional customer is subject to the establishment of the signature card which is at the level of the commercial agency. What are the benefits of the Cash Voucher ? \u2022 The capital is returned in full; \u2022 The remuneration of a savings certificate is progressive. The longer the maturity, the higher the interest rate; \u2022 Funds remain available. Possibility of requesting the reimbursement of a cash voucher before the due date; \u2022 BDC anonymity\/discretion; \u2022 The freedom to subscribe to the various BDCs by the client, without justification of the origin of his funds; \u2022 No loss on investment. What are the different operating methods of a cash voucher ? Pledge: Cash vouchers can be assigned to the Bank as collateral for commitments given (mortgage, consumer credit, etc.); \u2022 Opposition: opposition to a Cash Voucher may occur at the initiative of the subscriber, in the event of loss or theft upon submission of a request containing all the characteristics of the Voucher with a declaration of loss; \u2022 Inheritance: Only the Bonds of physical persons, registered and endorsed are likely to be the subject of a payment within the framework of the inheritance; \u2022 Taxation: In the case of taxation not paid by the subscribing client, the bank will deduct at source a tax on the interest paid to the clientele and will proceed to its payment to the tax authorities on behalf of the customer. Is it possible to renew the BDC before the expiry date? If yes, how? Yes, the renewal is carried out at the written request of the subscriber before the expiry date of the BDC. Otherwise, and at maturity, the Bank is exceptionally authorized to renew the old investment once and for a maximum period of three months at the rates corresponding to the period. The renewal must first be preceded by the reimbursement of the expired BDC. The same treatment must be observed as if it is a new subscription. What are the methods of reimbursement of a BDC? The redemption of a BDC can only be made if it is presented, at maturity or in advance at the request of the client. What are the conditions for early redemption? Early redemption is authorized under the following conditions: \u2022 In case that the request occurs within a period of less than three (03 months), the BDC does not give rise to any remuneration; \u2022 When the period is equal to or greater than three (03) months, the remuneration is paid by application of the period run and at the rates of remuneration corresponding to this period, reduced by 1%; \u2022 The Savings Certificate can be redeemed in advance. In this case, the interest is readjusted according to the actual duration of the investment and a penalty is then applied in accordance with the Bank’s conditions in force. Reimbursement is made on the basis of a request signed by the customer. How can the cash voucher be reimbursed in advance? The cash voucher can be reimbursed in advance. In this case, the interest is readjusted according to the actual duration of the investment and a penalty is then applied in accordance with the Bank’s conditions in force. Reimbursement is made on the basis of a request<\/p>\n","protected":false},"author":1,"featured_media":7949,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2562","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2562","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=2562"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2562\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media\/7949"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=2562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}