ONLINE ACCOUNT PROCEDURE

Global Investment Bank, credit specialist to finance your projects, makes your job even easier. With the credit offer at Global Investment Bank, you do not waste time traveling and meeting.

To make your credit application, all you need to do is connect to our website and complete the application form provided for this purpose. All the information you provide remains strictly confidential, your request is processed quickly and free of charge by our specialists.

Opening an account

Bank financing

Bank financing concerns any sole proprietorship or company that wishes to develop its activity by:

> Business creation;

> capital investment (acquisition of machinery or equipment);

> International expansion;

> The need for liquidity (payment of suppliers, balancing non-payment by customers);

> Internal growth (development of its activities, creation of subsidiaries);

> External growth (merger or takeover of another company).

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Banking Investment

Financial exchanges create added value for countries, structures or even individuals. Instead of hoarding one's wealth, investing helps develop the economy and at the same time makes it possible to make big profits. The financial market may be large and complex, but it can offer real strengths.

The bank collects investments from individuals for redistribution on the market. Specific methods and guidelines allow you to get the most out of your investment.

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Bank Account Management

Individual bank account, joint accounts, undivided accounts: according to a 2017 study by Panorabanques, 61% of customers are overdrawn at least once a year and 25% of respondents claim to be at least once a month.

As soon as a payment incident occurs, a bank account is subject to a string of fees (rejection fees, intervention commission, agios invoicing, etc.) billed to the holder.

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Bank charges

Each establishment determines its pricing policy. However, the law regulates certain costs by capping them. Bank charges are linked to services rendered by the bank or to irregularities in the functioning of the account or to payment incidents. How to find out and compare bank charges? What are the capped fees and the amounts provided for by the regulations? What are the commitments of French banks to limit costs for financially fragile customers and subscribers to the specific offer? To find out all about bank charges, see our file!

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Credit card: a revolving credit

We also speak of “revolving credit”. The credit card is a payment card which makes it possible to obtain a reserve of credit, that is to say a revolving sum of money made available to the holder of the credit card. The borrower can use this reserve of money in whole or in part.

This reserve decreases when the borrower uses it and is replenished when he makes repayments. The borrower only pays interest on the sums actually borrowed which do not necessarily represent the totality of the reserve.

The credit card allows two types of operations:
• withdrawal from ATMs;
•payment.

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