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RTGS Vs. NEFT
Which is a Better Method of Transferring Funds?

Inter Bank Transfer is a special service that allows an individual to transfer funds electronically to accounts in other banks in India through the following two modes:
1. NEFT
2. RTGS

Let us understand these two methods of fund transfer in detail so that we can decide which method you should use in what circumstance.
NEFT
The acronym “NEFT” stands for National Electronic Funds Transfer. It is an online system for transferring funds from one financial institution to another within India usually the banks). The system was launched in November 2005, and was set to inherit every bank that was assigned to the SEFT (Special Electronic Funds Transfer System) clearing system. It was made mandatory by the RBI for all banks on the SEFT system to migrate to NEFT by mid December 2005. As such, SEFT was discontinued as of January 2006. The RBI welcomed banks that were full members of the RTGS to join the NEFT system.
RTGS
The acronym “RTGS” Stands For ‘Real Time Gross Settlement’. RTGS is a funds transfer system where money is moved from one bank to another in ‘real-time’, and on gross basis. When using the banking method, RTGS is the fastest possible way to transfer money. ‘Real-time’ means that the payment transaction isn’t subject to any waiting period. The transaction will be completed as soon as the processing is done, and gross settlement means that the money transfer is completed on a one to one basis without clustering with another transaction. The transaction is treated as final and irrevocable as the money transfer occurs in the books of the RBI (Reserve Bank of India). This system is maintained by the RBI, and is available during working days for a given number of hours. Banks using RTGS need to have Core banking to be able to initiate RTGS

Minimum/Maximum amount for RTGS/NEFT transactions under Retail Internet Banking

Type Minimum Maximum
RTGS Rs. 2 Lakhs No Limit
NEFT No Limit No Limit

Minimum/Maximum amount for RTGS/NEFT transactions under Corporate Internet Banking

Type Minimum Maximum
RTGS Rs. 2 Lakhs No Limit
NEFT No Limit No Limit

Time Schedule for RTGS & NEFT services

RTGS transactions will be sent to RBI based on the following schedule:
RBI Settlement Timings for RTGS Transactions (other than Inter Bank Transactions)
Day Start Time End Time
Monday to Friday 0.9:00 hrs. 16:30 hrs.
Saturday 0.9:00 hrs. 13:30 hrs.

NEFT transactions will be sent to RBI based on the following schedule:

RBI Settlement Timings for RTGS Transactions (other than Inter Bank Transactions)
Day Start Time End Time
Monday to Friday 0.9:00 hrs. 19:00 hrs.
Saturday 0.9:00 hrs. 13:00 hrs.

NEFT transactions are settled in batches based on the following timings:
Settlements on weekdays at hourly intervals from 9:00 hrs to 19:00 hrs
Settlements on Saturdays at hourly intervals from 9:00 hrs to 1:00 hrs.

Please note that all the above timings are based on Indian Standard Time (IST) only

Mandatory information for RTGS & NEFT payment

The Remitter has to provide the following details:

  • Amount to be remitted
  • Account no. to be credited
  • Name of the beneficiary bank
  • Name of the beneficiary customer
  • Sender to receiver information, if any
  • IFSC code of the receiving branch.
  • Mobile number of the remitter.

The amount will be credited to the account basing on the account number only. As such remitter has should be cautious on the account number while transferring the amounts in electronic mode

Difference between RTGS Vs. NEFT
The fundamental difference between RTGS and NEFT, is that while RTGS is based on gross settlement, NEFT is based on net-settlement. Gross settlement is where a transaction is completed on a one-to-one basis without bunching with other transactions. On the other hand a Deferred Net Basis (DNS), or net-settlement means that the transactions are completed in batches at specific times. Here, all transfers will be held up until a specific time. RTGS transactions are processed throughout the working hours of the system.

RTGS transactions involve large amounts of cash, basically only funds above Rs 200,000 may be transferred using this system. For NEFT, any amount below Rs 200,000 may be transferred, and this system is generally for smaller value transactions involving smaller amounts of money.

RTGS processes in real-time (‘push’ transfer), while NEFT processes in cycles during the given working day. This causes a NEFT transaction that is initiated later than the last cycle to be completed the next day.

So if you want to transfer large sums of money real time RTGS is better but for small amounts where there is not much urgency NEFT is a Better Option. Usually RTGS costs more than NEFT Transactions.

TABLE OF DIFFERENCES BETWEEN NEFT & RTGS

Criteria NEFT RTGS (Retail)
Settlement Done in batches (Slower) Real time (Faster)
Full Form National Electronic Fund Transfer Real Time Gross Settlement
Timings on Mon – Fri 8:00 am – 6:30 pm 9:00 am – 4:30 pm
Timings on Saturday 8:00 am – 12:30 pm 9:00 am – 1:30 pm
Minimum amount of money transfer limit No Minimum 2 lacs
Maximum amount of money transfer limit No Limit No Limit
When does the Credit Happen in beneficiary account Happens in the hourly batch Between Banks Real time between Banks
Maximum Charges as per RBI Upto 10,000 – Rs. 2.5
from 10,001 – 1 lac – Rs. 5
from 1 – 2 lacs – Rs. 15
Above 2 lacs – Rs. 25
Rs. 25-30 (Upto 2 – 5 lacs)
Rs. 50-55 (Above 5 lacs)
(Lower charges for first half of day)
Suitable for Small Money Transfer Large Money Transfer

Frequently Asked Questions (FAQ) on

Real Time Gross Settlement (RTGS) System

Q1. What is RTGS System?
Ans. The acronym 'RTGS' stands for Real Time Gross Settlement, which can be defined as the continuous (real-time) settlement of funds transfers individually on an order by order basis (without netting). 'Real Time' means the processing of instructions at the time they are received rather than at some later time; 'Gross Settlement' means the settlement of funds transfer instructions occurs individually (on an instruction by instruction basis). Considering that the funds settlement takes place in the books of the Reserve Bank of India, the payments are final and irrevocable.

Q2. How RTGS is different from National Electronics Funds Transfer System (NEFT)?
Ans. NEFT is an electronic fund transfer system that operates on a Deferred Net Settlement (DNS) basis which settles transactions in batches. In DNS, the settlement takes place with all transactions received till the particular cut-off time. These transactions are netted (payable and receivables) in NEFT whereas in RTGS the transactions are settled individually. For example, currently, NEFT operates in hourly batches. [There are twelve settlements from 8 am to 7 pm on week days and six settlements from 8 am to 1 pm on Saturdays.] Any transaction initiated after a designated settlement time would have to wait till the next designated settlement time Contrary to this, in the RTGS transactions are processed continuously throughout the RTGS business hours.

Q3. Is there any minimum / maximum amount stipulation for RTGS transactions?
Ans. The RTGS system is primarily meant for large value transactions. The minimum amount to be remitted through RTGS is ` 2 lakh. There is no upper ceiling for RTGS transactions.

Q4. What is the time taken for effecting funds transfer from one account to another under RTGS?
Ans. Under normal circumstances the beneficiary branches are expected to receive the funds in real time as soon as funds are transferred by the remitting bank. The beneficiary bank has to credit the beneficiary's account within two hours of receiving the funds transfer message.

Q5. Would the remitting customer receive an acknowledgement of money credited to the beneficiary's account?
Ans. The remitting bank receives a message from the Reserve Bank that money has been credited to the receiving bank. Based on this the remitting bank can advise the remitting customer through SMS that money has been credited to the receiving bank.

Q6. Would the remitting customer get back the money if it is not credited to the beneficiary's account? When?
Ans. Yes. Funds, received by a RTGS member for the credit to a beneficiary customer’s account, will be returned to the originating RTGS member within two hours of the receipt of the payment at the PI of the recipient bank or before the end of the RTGS Business day, whichever is earlier, if it is not possible to credit the funds to the beneficiary customer’s account for any reason e.g. account does not exist, account frozen, etc. Once the money is received back by the remitting bank, the original debit entry in the customer's account is reversed.

Q7. Till what time RTGS service window is available?
Ans. The RTGS service window for customer's transactions is available to banks from 9.00 hours to 16.30 hours on week days and from 9.00 hours to 14:00 hours on Saturdays for settlement at the RBI end. However, the timings that the banks follow may vary depending on the customer timings of the bank branches.

Q8. What about Processing Charges / Service Charges for RTGS transactions?
Ans. With a view to rationalize the service charges levied by banks for offering funds transfer through RTGS system, a broad framework has been mandated as under:
(a) Inward transactions – Free, no charge to be levied.
(b) Outward transactions 2 lakh to 5 lakh not exceeding 30 per transaction;
Above 5 lakh – not exceeding 55 per transaction.

Q9. What is the essential information that the remitting customer would have to furnish to a bank for the remittance to be effected?
Ans. The remitting customer has to furnish the following information to a bank for initiating a RTGS remittance:

  1. Amount to be remitted
  2. Remitting customer’s account number which is to be debited
  3. Name of the beneficiary bank and branch
  4. Name of the beneficiary customer
  5. Account number of the beneficiary customer
  6. Sender to receiver information, if any
  7. The IFSC Number of the receiving branch

Q10. How would one know the IFSC code of the receiving branch?
Ans. The beneficiary customer can obtain the IFSC code from his bank branch. The IFSC code is also available on the cheque leaf. The list of IFSCs is also available on the RBI website (http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0112.xls). This code number and bank branch details can be communicated by the beneficiary to the remitting customer.

Q11. Do all bank branches in India provide RTGS service?
Ans. No. All the bank branches in India are not RTGS enabled. Presently, there are more than 100000 RTGS enabled bank branches. The list of such branches is available on RBI website at: http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0112.xls

Q12. Is there any way that a remitting customer can track the remittance transaction?
Ans. It would depend on the arrangement between the remitting customer and the remitting bank. Some banks with internet banking facility provide this service. Once the funds are credited to the account of the beneficiary bank, the remitting customer gets a confirmation from his bank either by an e-mail or SMS. Customer may also contact RTGS / NEFT Customer Facilitation Centres of the banks, for tracking a transaction.

Q13. Whom do I can contact, in case of non-credit or delay in credit to the beneficiary account?
Ans. Contact your bank / branch. If the issue is not resolved satisfactorily, complaint may be lodged to the Customer Service Department of RBI at -
The Chief General Manager
Reserve Bank of India
Customer Service Department
1st Floor, Amar Building, Fort
Mumbai – 400 001
Or send email.

Q14. How can a remitting customer know whether the bank branch of the beneficiary accepts remittance through RTGS?
Ans. For a funds transfer to go through RTGS, both the sending bank branch and the receiving bank branch would have to be RTGS enabled. The lists are readily available at all RTGS enabled branches. Besides, the information is available at RBI website (http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0112.xls). Considering that more than 100000 branches at more than 20,000 cities / towns / taluka places are covered under the RTGS system, getting this information would not be difficult.


Frequently Asked Questions (FAQ) on

National Electronic Funds Transfer (NEFT) System

Q1. What is NEFT System?
Ans. National Electronic Funds Transfer (NEFT) system is a nation wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.

Q2. Are all bank branches in the system part of the funds transfer network?
Ans. No. As on January 31, 2007, 18500 branches of 53 banks are participating. Steps are being taken to widen the coverage both in terms of banks and branches.

Q3. Whether the system is centre specific or has any geographical restriction?
Ans. No, there is no restriction in the number of centres or of any geographical area. The system uses the concept of centralised accounting system and the bank's account that are sending or receiving the funds transfer instructions, gets operated at one centre, viz, Mumbai only. The individual branches participating in NEFT could be located anywhere across the country, as detailed in the list provided on RBI website.

Q4. What is the funds availability schedule for the beneficiary?
Ans. The beneficiary gets the credit on the same Day or the next Day depending on the time of settlement.

Q5. How does the NEFT system operate?
Ans. Step-1: The remitter fills in the NEFT Application form giving the particulars of the beneficiary (bank-branch, beneficiary's name, account type and account number) and authorises the branch to remit the specified amount to the beneficiary by raising a debit to the remitter's account. (This can also be done by using net banking services offered by some of the banks)
Step-2: The remitting branch prepares a Structured Financial Messaging Solution (SFMS) message and sends it to its Service Centre for NEFT.
Step-3: The Service Centre forwards the same to the local RBI (National Clearing Cell, Mumbai) to be included for the next available settlement. Presently, NEFT is settled in six batches at 0930, 1030, 1200, 1300, 1500 and 1600 hours on weekdays and 0930, 1030 and 1200 hours on Saturdays
Step-4: The RBI at the clearing centre sorts the transactions bank-wise and prepares accounting entries of net debit or credit for passing on to the banks participating in the system. Thereafter, bank-wise remittance messages are transmitted to banks.
Step-5: The receiving banks process the remittance messages received from RBI and affect the credit to the beneficiaries' accounts.

Q6. How is this NEFT System an improvement over the existing RBI-EFT System?
Ans. The RBI-EFT system is confined to the 15 centres where RBI is providing the facility, whereas there is no such restriction in NEFT as it is based on the centralised concept. The detailed list of branches of various banks participating in NEFT system is available on our website. The system also uses the state-of-the-art technology for the communication, security etc, and thereby offers better customer service.

Q7. How is it different from RTGS and EFT?
Ans. NEFT is an electronic payment system to transfer funds from any part of country to any other part of the country and works on net settlement basis, unlike RTGS that works on gross settlement basis. While EFT is restricted to the fifteen centers (only where RBI offices are located), NEFT is a nation-wide electronic fund transfer system.

Q8. Any limit on the amount of individual transaction?
Ans. There is no value limit for individual transactions.

Q9. What about Processing Charges/Service Charges
Ans. While RBI has waived the processing charges till March 31, 2008, levy of service charges by banks is left to the discretion of the respective banks. The bank-wise details of charges levied are available on the RBI website.

Q10. How will I know which are the branches participating in the NEFT?
Ans. RBI publishes the list of bank branches participating in the NEFT on its website i.e. www.rbi.org.in.

Q11. What is IFS Code (IFSC)? How it is different from MICR code?
Ans. Indian Financial System Code (IFSC) is an alpha numeric code designed to uniquely identify the bank-branches in India. This is 11 digit code with first 4 characters representing the banks code, the next character reserved as control character (Presently 0 appears in the fifth position) and remaining 6 characters to identify the branch. The MICR code has 9 digits to identify the bank-branch.

Q12. How will I know, what is the IFS Code of my bank-branch?
Ans. RBI had since advised all the banks to print IFSC on cheques leaves issued to their customers. You may also contact your bank-branch and get the IFS Code of that branch.

Q13. Whom I can contact, in case of non-credit or delay in credit to the beneficiary account?
Ans. Contact your bank/branch. If the issue is not resolved satisfactorily, the Customer Service Department of RBI may be contacted on cgmcsd@rbi.org.in or write to:
The Chief General Manager,
Reserve Bank of India,
Customer Service Department,
1st Floor, Amar Building, Fort,
Mumbai-400001

Q14. Is it necessary to have a bank account to originate the NEFT transaction?
Ans. Yes, NEFT is an account to account funds transfer system.

Q15. Is it necessary that the beneficiary should have an account at the destination bank-branch?
Ans. Yes, NEFT is an account to account funds transfer system.

Q16. Can I receive foreign remittances through NEFT?
Ans. This system can be used only for remitting Indian Rupee among the participating banks within the country.

Q17. Can I send remittances abroad using the NEFT?
Ans. No.

Q18. Can I originate a transaction to receive funds from another account?
Ans. No.

Q19. Can I send/receive funds from/to NRI accounts?
Ans. Yes, subject to applicability of provisions of FEMA

Q20. Would the remitting customer receive an acknowledgement of money having been credited to the beneficiary's account?
Ans. Acknowledgement is generated for the customer at his branch informing him that his remittance is received by the beneficiary. However the mode of communication would depend on the facility provided by bank / branch.

Q21. Would the remitting customer get back the money if it is not credited to the beneficiary’s account?
Ans. Yes, the remitting customer gets back the money if it is not credited to the beneficiary account.

Q22. Till what time NEFT service window is available?
Ans. There are six settlements at 0930, 1030, 1200, 1300, 1500 and 1600 hours on weekdays and 0930, 1030 and 1200 hours on Saturdays.

Q23. What is the essential information that the remitting customer would have to furnish for the remittance to be effected?
Ans. The essential information that the remitting customer has to furnish is:
Beneficiary details such as beneficiary name and account number
Name and IFSC of the beneficiary bank branch.

Q24. Is there any way a remitting customer can track the remittance transaction?
Ans. The remitting customer can track the remitting transaction through the remitting branch only, as the remitting branch is informed about the status of the remitted transactions.

Precautions when using NEFT and RTGS Transfer Systems
An electronic funds transfer (EFT) is generally considered both secure and safe since they have built-in security features. However, since they are often coursed through different communication mechanisms, it is also important to understand what precautions you need to take to stay safe.

Precautions:

Ignore emails supposedly coming from your bank, from PayPal or from you credit card service provider informing you that your account with them has been compromised. Usually, this also comes with an official-looking request and forms to fill up wherein you will provide all your personal information. The standard procedure observed in cases where such information is needed is to submit them directly at the secured website or at the bank itself.

Avoid downloading freebies like software applications since this is how malware or spyware gets attached to your PC. Spyware can extract information from your computer without your knowing it and can surreptitiously relay your info to the author of the spyware.

In case your credit cards, debit cards or ATM cards have been stolen, report the matter immediately to the credit company or to your depository bank to block all future transactions.

Make it a point to review your credit reports periodically if you frequently or regularly make purchases via online stores. Particularly if your credit purchases are your most common electronic transactions. Report any unauthorized transactions or cash advances immediately to the credit reporting bureau and to your credit card service provider.

Install additional security software if necessary. Some protection features may include those that can detect and block unusual activities going on in your PC.

Keep yourself up to date with the latest trends on how cybercrimes are carried out and know the precautionary measures to take.

....

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Comments..

BIKRAM KESHARI MAHAPATRA
12-May-2014

excellent information

MEGHA SHARMA
04-Jul-2014

very good and informative.

sunil Patil
11-Jul-2014

very useful information

Anil Kishore
19-Jan-2014

The information is good but at one place the limit has not been revised for RTGS "" RTGS transactions involve large amounts of cash, basically only funds above Rs 100,000 may be transferred using this system. For NEFT, any amount below Rs 100,000 may be transferred, and this system is generally for smaller value transactions involving smaller amounts of money."" The limit is Rs2 Lakh instead of Rs1Lakh

Anirudh kumar
19-May-2014

very useful collection.

amudhan
15-Mar-2014

good info provide rbi link for verification

santhosh
25-Apr-2014

RTGS transactions involve large amounts of cash, basically only funds above Rs. 2,00,000 may be transferred using this system in this statement you are mentioned Rs. 1,00,000 and I have one doubt what is minimum amount transfer in NEFT any amount or minimum 50,000 give me reply

SHITAL
13-Oct-2014

very usful information. Thanks....

SHITAL
13-Oct-2014

very useful information. Thanks....

Ranjan Jindal
01-Jul-2014

Superb compilation of information

PRABHAT MANNA
03-Dec-2014

I am very satisfied above useful information. Thanks

Suhasini Lad
16-Oct-2018

Very good information

shailendra singh
30-Nov-2018

it is good process. and good technology

Md. EHIA MANDAL
21-Dec-2018

Please inform me about charges of RTGS for INR 29,00,000/- (Twenty Nine Lacs)

V DEVADOSS
29-Jan-2019

Well written article and very useful.

MSSS KUMAR
06-Mar-2019

VERY USEFUL INFO

C.PALANIPPAZHAMURTHY
25-Mar-2019

Very good & Very excellent information thank you

Upender M
29-Nov-2018

The information provided above was very useful to every Indian. Thank you site Admin for providing this info.

ABDULHAKIM MITHABHAI
18-Jun-2019

Good information. But a little more could have been added

M K Das
05-Jul-2014

Excellent service for the customers. Many many Thanks to RBI.

ravindra
23-Jan-2015

Excellent information. provide latest update

ravindra
23-Jan-2015

Excellent information. provide latest update

Ashutosh Uniyal
31-Jan-2015

Excellent Information......Now My doubt is clear

Dr G A Naidu
22-Feb-2015

Both the systems are very useful and time saving

Manish sharma
25-Jul-2014

excellent informations........

rakesh
09-Oct-2014

rs 5 cr in rtgs charge in is there?

rajesh kumar
18-Feb-2015

its a very good knowledge for marketer

rajesh kumar
18-Feb-2015

good for marketer

Bittu Ahmad Siddique
26-Feb-2015

Very useful information about account work

BC Srivastava
20-Apr-2014

Very good. Very informative.

Sanjay S. Bhansali
15-Jul-2014

very useful

Balaji Kamble
13-Mar-2015

Very nice. Lot informative.

Ankit Garg
25-May-2015

Excellent Description. Mstt..

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02-Jan-2015

Ek dum mast ...information ...umhaaaaaa...i am loving it

Dattu koli
02-Jan-2015

Ek dum mast ...information ...umhaaaaaa...i am loving it

shefalee
18-Jan-2015

why do we need these two different types? why cant all transfers happen at real time?

Muhammad Ajmal
07-Jan-2014

Have any certification in Tax, Acounts,Finance in Pakistan

kesar yadav
14-Mar-2015

very good information regarding RTGS & NEFT.

Aparna chanani
16-Mar-2015

Too good,now my doubt is clear,thanq

G RAJESH
20-Mar-2015

Very Usefull information for all

pragati
26-Apr-2014

excellent knowledge

Pramod Gupta
11-Aug-2014

"Bunch of Complete information in simple words"

ABHISHEK CHAVAN
16-Oct-2014

VERY GOOD & USEFULL INFORMATION

p.yadunandan
22-Apr-2015

Information is good and elaborate.

sanat chatterjee
07-Jul-2015

This is very useful information

VIVEK JAIN
23-May-2014

Good Informations.

Mohd Rafique
09-Oct-2014

Very good

Satheesh
20-Oct-2014

Very useful. Thanks for the above details.

shravan
27-Jun-2014

phew..excellent information,kudos to you bro for gathering all the info anf putting here in simple layman terms

DEO RAJ ROY
19-Jul-2014

there are dispute about Difference between RTGS Vs. NEFT minimum amount given Rs 100000 and Rs 200000. please clear it.

SISHUTOSH PANIGRAHI
21-Jul-2014

Pls also clarify whether NEFT remittances are possible using an outstation Bank Cheque from a non-Home branch. SBI customer using SBI cheque of one city can remit from SBI of another city? This will be useful. All your information are immensely helpful for customers.

SISHUTOSH PANIGRAHI
21-Jul-2014

Pls also clarify whether NEFT remittances are possible using an outstation Bank Cheque from a non-Home branch. SBI customer using SBI cheque of one city can remit from SBI of another city? This will be useful. All your information are immensely helpful for customers.

Bangaru Krishna Reddy
29-Jul-2015

Thank u it,s very clear like a crystal

M Sambasiva Rao
02-Sep-2015

good information. Thanks.

PARBHAT SINGH HARCHAND
04-Sep-2015

Thanks for giving clear information about NEFT & RTGS.

svhydrauliks
13-Aug-2014

The beneficiary Name and Account No. is mandatory. If the they do not match, Then what is the state of transaction in RTGS & NEFT

SRIVIDHYA.R
22-Aug-2014

The above details are Excellent . and only one thing for NEFT will be below 2,00,000/- and RTGS will more than 2,00,000/- has be revised. so pls update the mandatory details above statement.

MaHeSh Raj
22-Sep-2014

Useful information to "Improved Knowledge"

Kuldeep Singh
09-Oct-2014

Sir , all the information are very valuable. I am a SBI customer but now a days I am facing problem in transferring fund through RTGS. Actually I am very far from my home branch, and when I visited in near by non home branch they directly refused me and told that it is only possible if that is my home branch and suggested that make transfer your account here. Pl help me by your valuable guidance.

raghvendra chauhan
05-Nov-2014

gud information

shivraj bhati
23-Dec-2014

plz check time of NEFT

surya bhushan kumar
18-Mar-2015

Useful for everyone but required some more information against RTGS No. as well as NEFT No. between sender and receiver.

Shivanand Biradar
03-Dec-2015

I understood clearly

Bhavesh Rathod
24-Jan-2015

Very useful information for any one fresher you started their career in Marketing filed

S.Gopalakrishnan
02-Mar-2015

Excellent coverage of information

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07-May-2015

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11-Jun-2015

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08-Jul-2015

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08-Jul-2015

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18-Aug-2015

I m satisfied with the above information n ques-ans part is too good to clear reader` s quiries..thnx

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11-Sep-2015

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07-Dec-2015

Thanks. Definitely very useful, has helped me a lot.

SAURABH TYAGI
17-Dec-2015

VERY USEFUL INFORMATION THANKU VERY MUCH

Johnpaul.P.V
11-May-2015

This is very helpful clarification about RTGS & NEFT..Thanks

Tejashwini
15-Jun-2015

Very clear/useful information. Thanks

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23-Sep-2015

Very good info

MEGAVATHRAJESH
23-Nov-2015

SUBJECT

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17-Dec-2015

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Ishwaraling
21-Dec-2015

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22-Dec-2015

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Anaparthi Srinivas
22-Jul-2015

thankyou very much very good usefulinformation

Subhash Singh
11-Jan-2016

Such Information is very helpful and user friendly

Ankit
11-Feb-2016

If i transfer 1000 Rs. at 12PM on working days with NEFT then which batch will settle my payment? Either 1PM or 3PM?

Keerthi
11-Mar-2016

Hi, I want to transfer 1,83,000 to a bank. Can I use RTGS for this?

prabhakar salvi
19-Mar-2016

very good but charges is change that not updated

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06-Dec-2015

It is a good information for all people

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07-Jan-2016

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ADITYA RAWAT
01-Feb-2016

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07-Apr-2016

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07-Apr-2016

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08-Jun-2016

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12-Jul-2016

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29-Jul-2016

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23-Nov-2016

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08-Nov-2015

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12-Dec-2015

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27-Jun-2017

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11-Aug-2017

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17-Mar-2016

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15-Jun-2016

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18-Jun-2016

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08-Jul-2016

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14-Sep-2017

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HUKAMARAM PARIHAR
22-Sep-2017

Thanks for information about RTGS & NEFT

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21-Oct-2017

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30-Nov-2017

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29-Feb-2016

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10-Dec-2017

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20-Dec-2016

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13-Dec-2017

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13-Dec-2017

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25-Dec-2017

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12-Jan-2018

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06-Feb-2018

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25-Feb-2018

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27-Feb-2018

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27-Feb-2018

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21-Apr-2018

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07-Jun-2018

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23-Jun-2018

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14-Feb-2020

USE LESS

MANENDRA RAMCHANDRA KOLHE
19-Oct-2017

I have saving accounts at Allahabad Bank and SBI at Nagpur. As I will be out of Nagpur i.e. at Mumbai, can I transfer fund amount below Rs 2 lakhs by NEFT from Allahabad Bank branch Nagpur to SBI branch Nagpur from any branch of Allahabad Bank at Mumbai.

kaustubh Pralhad manjarekar
03-Apr-2020

Its very useful information for us thank you so much

YAM BAHADUR THAPA
13-Mar-2018

I would like to get time to time notification related to finance and accounts in the subject Accountancy at class 12 standard.

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05-Aug-2020

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21-Mar-2018

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27-Mar-2018

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10-Apr-2018

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14-May-2021

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20-Feb-2019

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20-Feb-2019

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11-May-2019

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21-Sep-2020

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19-Jan-2021

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01-Feb-2021

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27-Dec-2021

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15-Jan-2022

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03-May-2021

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Elizabeth Hübne
05-May-2021

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14-Jun-2021

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May Gary
05-Jul-2021

We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.  We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.  we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.  DESCRIPTION OF INSTRUMENTS:  1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)  2. Total Face Value: 10M MIN to 50B MAX USD or Euro  3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .  4. Age: One Year, One Day  5. Leasing Price: 4 1%  6. Sale Price: 32 2%  7. Delivery by SWIFT .  8. Payment: MT103-23  9. Hard Copy: Bonded Courier within 7 banking days  We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.  Name:May Gary  Email:algecoglobalfinanceplc@gmail.com  Skype::algecoglobalfinanceplc     or let us know via WhatsApp:+1(218)2417690 

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06-Jul-2021

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Jerry Osborne
10-Mar-2022

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04-May-2022

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03-Nov-2021

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GARVAN MAIREAD
08-Jul-2022

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10-Mar-2022

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28-Aug-2022

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01-Sep-2022

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Finance & Loan LLC
22-Sep-2022

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23-Sep-2022

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30-Sep-2022

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31-Jul-2021

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 4%+2% FOR PURCHASE OF FRESH CUT BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M PRICE = 32%+2% Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days I will be glad to share with you our working procedures. Name : Thomas Wolfgang Email : inquiry.fastfunding@gmail.com Skype : inquiry.fastfunding@gmail.com

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05-Oct-2022

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08-Oct-2022

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Mrs Aniu
22-Oct-2022

I am a widow with two kids, i want to share my testimony on how i paid all my debts and own myself a business. I went online then i came across a testimony about a blank card, i decided to give it a trial, all to my surprise it came through. i got the card, each day i withdraw $10,000 and i have withdrawn the total of $80,000. i am so thankful and grateful to Mr Rick hackers whom God used to take me out of debts and poverty i am sharing this because i know so many out there are in need do not doubt, i can guarantee you the best with Mr Rick hackers, if interested email him on rickatmcardoffer@gmail.com WhatsApp number +27783198318.

thomas wolfgang
17-Aug-2021

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 4%+2% FOR PURCHASE OF FRESH CUT BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M PRICE = 32%+2% Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days I will be glad to share with you our working procedures. Name : Thomas Wolfgang Email : inquiry.fastfunding@gmail.com Skype : inquiry.fastfunding@gmail.com

Jane Shrader
31-Oct-2022

Have you noticed that most credit repair agencies give promises they never intend to keep? However, in the quest to fix my credit, I came across a lot of good comments about HACK MAVENS CREDIT SPECIALIST on WALLETHUB and I decided to give it a trial. I never believed he would have my derogatory mark removed and increase my score from 437 to 798 across the three major bureaus within few days. He also helped me apply for a mortgage loan with a low interest rate. I strongly recommend you hire him. Call/Text/WhatsApp: +1 (209) 417 – 1957 Email: H A C K M A V E N S 5 (AT) GMAIL DOT COM

ALICE
07-Nov-2022

GET RICH WITH BLANK ATM CARD, I want to testify about MARTINS HACKERS Blank ATM Cards which can withdraw money from any ATM machines around the world. I was very poor before and have no job. I saw so many testimony about how MARTINS HACKERS send them the ATM Blank Card and use it to collect money in any ATM machine and become rich.{ martinshackers22@gmail.com } I email them also and they sent me the Blank ATM Card. I have use it to get $500,000 dollars..

dr james eric
23-Nov-2022

Do you need Finance? Are you looking for Finance? Are you looking for finance to enlarge your business? We help individuals and companies to obtain finance for business expanding and to setup a new business ranging any amount. Get finance at affordable interest rate of 3%, Do you need this finance for business and to clear your bills? Then send us an email now for more information contact us now via (financialserviceoffer876@gmail.com) whats-App +918929509036 Dr James Eric Finance Pvt Ltd Thanks

GARVAN MAIREAD
05-Apr-2022

We are project funder with our cutting edge and group capital fund we can finance your signatory projects and help you to enhance your business plans,this offer is open to both individuals and corporate bodies. Our financial instrument can be used for purchase of goods from any manufacturer irrespective of location. We specialized in BG, SBLC, MTN, CD,LC,Bank Bonds,Non collateral loan, confirmable Bank Draft and other financial assistance from AAA rated bank (Prime Bank). The financial instrument can be invested into High Yield Trading Program or Private Placement Programme (PPP). We work directly with issuing bank lease providers,this Instrument can be monetized on your behalf for 100% funding.Please see our instrument description as follow. DESCRIPTION OF INSTRUMENT: (1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A). (2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 100MNJH{Maximum}. (3) Issuing Bank: AAA Rated Bank (Prime Bank). (4) Age: One Year and One Day. (5) Leasing Price: 4% of Face Value plus 2% commission. (6) Delivery: bank to bank SWIFT MT-799 and/or MT-760. (7) Payment: MT103 (TT/WT). (8) Hard Copy: Bonded Courier Service. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved,If in need of our services, contact me for detail For further inquiry contact: Email: inquiry.trustedfinanceplc@gmail.com Skype : inquiry.trustedfinance@gmail.com Whatsapp : +17329300338

Jason Edward
10-Apr-2022

FINANCIAL AGENT LIMITED provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of FINANCIAL AGENT LIMITED Services, we give you a small-company service but with a large-company set up – the best of both worlds. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. Leasing Price : 6%+2% Buying Price: 38%+2% Contact us for more details on our terms and procedure of transaction. NAME :Jason Edward EMAIL :financialagentltd@gmail.com SKYPE :financialagentltd@gmail.com

Jason Edward
18-Apr-2022

FINANCIAL AGENT LIMITED provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of FINANCIAL AGENT LIMITED Services, we give you a small-company service but with a large-company set up – the best of both worlds. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. Leasing Price : 6%+2% Buying Price: 38%+2% Contact us for more details on our terms and procedure of transaction. NAME :Jason Edward EMAIL :financialagentltd@gmail.com SKYPE :financialagentltd@gmail.com

Mrs. Dorothy Pilkenton Jean
13-May-2022

URGENT LOAN IS AVAILABLE NOW TODAY I GOT MY DESIRED LOAN AMOUNT $760K FROM A RELIABLE,TRUSTED AND REGISTERED PRIVATE LOAN COMPANY LAST WEEK,BUSINESS/HOME/COMPANY/PROJECT/PERSONAL LOAN? ARE NOW AFFORDABLE HERE FOR YOU TODAY CONTACT Email profdorothyinvestments@gmail.com Hello, I'm here to testify of how i got my real estate business loan from PROF. MRS.DOROTHY JEAN INVESTMENTS (profdorothyinvestments@gmail.com) I don't know if you are in need of an urgent loan to pay bills, start business or build a house, they offer all kinds of loan Ranging from $5,000.00USD to $2,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 33 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? MRS.DOROTHY JEAN holds all of the information about how to obtain money quickly and painlessly without cost/stress via Contacts Email profdorothyinvestments@gmail.com

Bloomberg Incorporations
18-May-2022

IS IT POSSIBLE TO GET A SUCCESSFUL RECOVERY OF YOUR FUNDS LOST TO FAKE/ILLEGAL CRYPTO WEBSITES OR ANY ONLINE FRAUDSTER/ FRAUDSTERS? ABSOLUTELY, YES! BUT, YOU MUST CONTACT THE RIGHT AGENCY TO ACHIEVE THIS. Bloomberg Incorporation is a financial regulator, private investigation and funds recovery body bound by one sole aim. We specialize in cases concerning cryptocurrency, FAKE investment schemes and recovery scam. BEWARE OF FRAUDSTERS looking to hoax. If you have had an encounter with any of the following fraudulent schemes; fake brokers, fake bitcoin investment platforms, forex trade, binary option, false investments proposals. If you have been a VICTIM, you are reading the right post. Contact our customer support team via the information below to get started. Email: bloomberghackers@gmail.com WhatsApp: ‪+1 (336) 582‑0239‬ BE WISE. STAY SAFE! Copyright © Bloomberg Incorporations 2022. All rights reserved.

Bloomberg Incorporations
18-May-2022

IS IT POSSIBLE TO GET A SUCCESSFUL RECOVERY OF YOUR FUNDS LOST TO FAKE/ILLEGAL CRYPTO WEBSITES OR ANY ONLINE FRAUDSTER/ FRAUDSTERS? ABSOLUTELY, YES! BUT, YOU MUST CONTACT THE RIGHT AGENCY TO ACHIEVE THIS. Bloomberg Incorporation is a financial regulator, private investigation and funds recovery body bound by one sole aim. We specialize in cases concerning cryptocurrency, FAKE investment schemes and recovery scam. BEWARE OF FRAUDSTERS looking to hoax. If you have had an encounter with any of the following fraudulent schemes; fake brokers, fake bitcoin investment platforms, forex trade, binary option, false investments proposals. If you have been a VICTIM, you are reading the right post. Contact our customer support team via the information below to get started. Email: bloomberghackers@gmail.com WhatsApp: ‪+1 (336) 582‑0239‬ BE WISE. STAY SAFE! Copyright © Bloomberg Incorporations 2022. All rights reserved.

Mills Dachin
19-May-2022

USA Group of Hackers. It is no longer a doubt as our Research has proving 2021/2022 scammers has made away mor than over $18.7B in ill-gotten crypto. According to our Research, the research aim of D-HACKER Cybersecurity company Check Point, many scammers manipulate tokens’ smart contacts — contacts that exist and run automatically as code on the blockchain or being giving out by you without you knowing you did. We are putting it to you when you want to invest on CRYPTO Currency. For you to play safe and not to be scam please avoid Fake Broker on this social Media like Twitter, Discord, Instagram, and Telegram by anonymous accounts they inflate the coin’s value in other to get your attention and ripping you of your money. We are group of Hacker known as the U.S.A Group of Hackers A.K.A ((D-HACKERS)) well equipped working together as a team to track down & to recovery funds back from the most difficult internet SCAMMERS. As We've received countless heartbreaking reports of notorious scammers which we have successful recover them back, also we can help you to Hack Change your school Grade Result in any part of the world University, as well whipping Off your Criminal Record, which we are giving you 98.9% Work sure. Email binaryoptionservice01@gmail.com cyberhackertap@gmail.com pointekhack@gmail.com Do contact us on ➡Binary Recovery. ➡University Result Upgraded ➡️Increase Credit Score ➡Whipping of Criminal Records ➡Social Media Hack ➡Blank ATM Card ➡️All Kind of Loads ➡Phone Hacking. ➡️Game Hack/ Lottery Jackpot? Border us with your jobs & allow us give you positive result with our hacking skills Our Blog Page d-hacker_U.S.Abinaryoptionsport.com

Mills Dachin
19-May-2022

Guys M&D is a group of equipped Hackers working together as a team to track down & to recovery funds back from the most difficult internet SCAMMERS. NOTE!! We've received countless heartbreaking reports of notorious scammers and we’ve successful recover them back. Do contact us on ➡Binary Recovery. ➡University Result Upgrades➡Wiping Criminal Records ➡Social Media Hack ➡Blank ATM Card +All Kind of Loans ➡Phone Hacking. 🔜 Private Key Reset. Border us with your jobs & allow us give you positive result with our hacking skills. Email pointekhack@gmail.com recoveryfundexpert@gmail.com cyberhackertap@gmail.com we Guarantee you up to %85 REMEMBER YOUR HAPPINESS IS OUR PRIDE

Rooney
22-May-2022

GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. FOR LEASING OF BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M LEASING FEE = 4%+2% FOR PURCHASE OF FRESH CUT BG/SBLC MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M PRICE = 32%+2% Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days I will be glad to share with you our working procedures. Name : Rooney Noelle Email : nrfinanciials@gmail.com Whatsapp +447471808737

Stivo
02-Jun-2022

URGENT LOAN IS AVAILABLE NOW TODAY I GOT MY DESIRED LOAN AMOUNT $760K FROM A RELIABLE,TRUSTED AND REGISTERED PRIVATE LOAN COMPANY LAST WEEK,BUSINESS/HOME/COMPANY/PROJECT/PERSONAL LOAN? ARE NOW AFFORDABLE HERE FOR YOU TODAY CONTACT Call/Text +1(315)256-0479 Email profdorothyinvestment@gmail.com Hello, I'm here to testify of how i got my real estate business loan from PROF. MRS.DOROTHY JEAN INVESTMENTS (profdorothyinvestments@gmail.com) I don't know if you are in need of an urgent loan to pay bills, start business or build a house, they offer all kinds of loan Ranging from $5,000.00USD to $2,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 33 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? MRS.DOROTHY JEAN holds all of the information about how to obtain money quickly and painlessly without cost/stress via Contacts Call/Text +1(315)256-0479 Email profdorothyinvestment@gmail.com

Heather Walter
08-Jun-2022

GET RICH WITH BLANK ATM CARD ... Whatsapp: +18033921735 I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Cyber hackers send them the atm blank card and use it to collect money in any atm machine and become rich.(DWCHZONE@GMAIL.COM) I email them also and they sent me the blank atm card. I have use it to get 250,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode. You can also contact them for the service below * Western Union/MoneyGram Transfer * Bank Transfer * PayPal / Skrill Transfer * Crypto Mining * CashApp Transfer Email: dwchzone@gmail.com Text & Call or WhatsApp: +18033921735 Visit: https://darkwebcycberhackers.com

Larry
09-Jun-2022

Hi everyone. I saw comments from people who already got their loan from Liberty private funding and then I decided to apply under their recommendations and just few hours ago I confirmed in my own personal bank account a total amount of $30,000 which I requested for. This is really a great news and I am advising everyone who needs real loan to apply through their email (Libertyprivatefunding@yahoo.com) you can decide to message them on WhatsApp (+447535135409) . I am happy now that i have gotten the loan I have requested.

Blank atm Card +393512615163
13-Jun-2022

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Blank atm Card +393512615163
13-Jun-2022

Get $5,500 USD every day, for six months! See how it works. What'sApp : +393512615163 I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so much testimony about how Dark Web hackers send them the atm blank card and use it to collect money in any atm machine and become rich. Email : carolblankatmcard@gmail.com Hangout : carolblankatmcard@gmail.com What'sApp : +393512615163 They also sent me the blank atm card. I have used it to get 90,000 dollars. withdraw the maximum of 5,000 USD daily. The Dark Web is giving out cards just to help the poor. Hack and take money directly from any atm machine vault with the use of an atm programmed card which runs in automatic mode.

BLANK ATM CARD
28-Jun-2022

GET RICH WITH BLANK ATM CARD. Have you guys heard of blank ATM cards which can withdraw money from any ATM machines around the world? I was very poor and have no job. I try getting a loan but it didn't work because of my bad credit score. I saw so many testimonies on how they got the blank ATM card and use it to withdraw cash in any ATM machine and become rich. I emailed them also and they sent me the ATM card. I have used it to get 90,000 dollars already within 5 days. This ATM card can hack and take money directly from any ATM machine vault because its well programmed and runs in automatic mode. For more information, kindly contact the card vendor with the below info Email: onlineblankatm24@gmail.com Text/Call/WhatsApp: +447769467808

Albert McCarthy
19-Jul-2022

I can gladly thank WIZARD GHOST HACKER for the magic job they did for me when I was very frustrated and about ending my life in the last month of 2021 the online investment I did was a scam zone since 2021 is ending I decide to withdraw my funds I deposited through USDT for the trading of BTC a total amount of 97,456 $ the site denial me of withdrawing the money I invested and I still have profit on the site wallet so I was so devasted because that was my only hope of money and that was my only savings so I search for online for the best Wizard and I got a lot of lists and I selected 3 different Wizard and contact them via email and all asked for an upfront payment so a friend gave me a contact of another Wizard who instantly asked for only details and information within 24 hours he was done recovering my funds thou it was not complete but I was able to get back 81,750 $ he is the best Wizard give him a try and have your problem solve via: GHOSTCHAMPIONWIZARD@GMAIL.COM Website:https://championhacker0.wixsite.com/my-site/about

Richard Chacwick
02-Aug-2022

Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc. Contact : Mr. Richard Chadwich Contact Email: ribellodasilver01.finance@gmail.com With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project. We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. All relevant business information will be provided upon request. BROKERS ARE WELCOME & 100% PROTECTED!!! If Interested kindly contact me via Email:~ ribellodasilver01.finance@gmail.com serious enquiry only.

Colleen Johnson
20-Aug-2022

BLANK ATM CARDS ARE REAL, ATTENTION PLS I am a widow with two kids, i want to share my testimony on how i paid all my debts and own myself a business. I went online then i came across a testimony about a blank atm card, i decided to give it a trial, all to my surprise it came through within 3 day's, what this card is it immediately is slot in any atm card in the world it immediately allow you to withdraw free cash without you being caught,it disable the camera on your ur sensitive information. i got the card, each day i withdraw $ 5000 that's my daily limit. I am so thankful and grateful to Engr Weber the hacker whom God used to take me out of debts and poverty i am sharing this because i know so many out there are in need of this email him immediately to buy one immediately you read this testimony of mine, note is gona cost you money to buy the card as they don't offer free card, do not doubt, i can guarantee you the best with Engr Weber hacking , if interested email him on blankatmdeliveryxpress@gmail.com

scott williams
05-Sep-2022

CONTACT Mr Steve Marco call +2348078336137 or WhatsApp him through this number +2348078336137or email: STEVEMARCO888@GMAIL.COM, Hello everyone My name is Scott Williams am from California i am here to give a testimony on how I join the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria,I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all invail, I was afraid to contact any illuminati agent because they have eat my money,One day I come across a post of someone giving a testimony, thanking a man called Steve Marco of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my $6000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Steve Marco and he told me everything to do, and I was initiated, surprisely I was given my benefit of being a new member of the great illuminati brotherhood I was so happy, For those of you trying to join this organization this is your opportunity for you to join CONTACT MR Steve Marco call +2348078336137 or WhatsApp him +2348078336137or email: STEVEMARCO888@GMAIL.COM..

Steve Jordan
14-Oct-2022

CONTACT Mr Patrick Williams call +2349068893712 or WhatsApp him through this number +2349068893712 or email: patrickwilliam6661@gmail.com, Hello everyone My name is Steve Jordan am from California i am here to give a testimony on how I join the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria,I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all invail, I was afraid to contact any illuminati agent because they have eat my money,One day I come across a post of someone giving a testimony, thanking a man called Patrick Williams of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my $6000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Mr Patrick Williams and he told me everything to do, and I was initiated, surprisely I was given my benefit of being a new member of the great illuminati brotherhood I was so happy, For those of you trying to join this organization this is your opportunity for you to join CONTACT MR Patrick Williams call +2349068893712 or WhatsApp him +2349068893712or email: patrickwilliam6661@gmail.com.....

Steve Jordan
18-Oct-2022

CONTACT Mr Patrick Williams call +2349068893712 or WhatsApp him through this number +2349068893712 or email: patrickwilliam6661@gmail.com, Hello everyone My name is Steve Jordan am from California i am here to give a testimony on how I join the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria,I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all invail, I was afraid to contact any illuminati agent because they have eat my money,One day I come across a post of someone giving a testimony, thanking a man called Patrick Williams of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my $6000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Mr Patrick Williams and he told me everything to do, and I was initiated, surprisely I was given my benefit of being a new member of the great illuminati brotherhood I was so happy, For those of you trying to join this organization this is your opportunity for you to join CONTACT MR Patrick Williams call +2349068893712 or WhatsApp him +2349068893712or email: patrickwilliam6661@gmail.com.....

Crypto intel
20-Oct-2022

HAVE YOU LOST YOUR MONEY TO FAKE INVESTMENT SCHEMES OR ANY ONLINE SCAM WHATSOEVER?, HAVE YOU BEEN IN SEARCH FOR GENUINE HACKER'S ONLINE?. WELL, YOU HAVE FOUND REDEMPTION IN ASORE CORP. asorehackcorp@gmail.com Asore Corp is a Russian based group of multinational hacker's, an affiliate of Evil Corp. We have mutual interests obliged to fight online scam and scammers in general. In doing this, we make sure by all means necessary that our clients get the best of services on a🔐PAYMENT AFTER JOB IS DONE BASIS🛡️. This means we accept workmanship fee after your job is done. ⚠️ BEWARE OF FRAUDSTARS, they surf the internet leaving fake reviews and testimonies. If you have been a VICTIM, contact: ✅cryptocoinintel@gmail.com Other services we offer are listed as follows: ⏩Secret Spying, ⏩Social media hack (Facebook, ⏩Instagram, snapchat etc) ⏩Binary option funds recovery ⏩Hacked account resolution ⏩Credit score fix(Equifax, Experian, Transunion) ⏩Crypto currency trading scam. Waste no further time. CONTACT: 🤳asorehackcorp@gmail.com DISCLAIMER: Asore Cyber Corp accepts no responsibility for any information,previously given to anybody by clients on as regarding the job. Asore Cyber Corp will not distribute contact information collected on any hacking job other than in the Asore corps Hacker's listings themselves, and will not sell contact information to third parties. 2022 ©️ Asore Corp. All rights reserved

MICHAEL CALCE WIZARD
20-Oct-2022

HELLO EVERYONE, This is for everyone seeking recovery of stolen crypto coins, recovery of any lost funds to online scams , recovery of cryptocurrency lost to reapers in forex trades and binary options This is for persons seeking to recover all of their lost funds to online scams, contact address--> michaelcalcewizard78@gmail.com for successful recovery and thank me later. I had my blockchain wallet spoofed by merciless scams, due to lack of 2FA authorization, they were able to get away with 4.0147BTC from my wallet , this made me very sad and depressed as i was desperately in need of help , i made my research online and came across a very credible and reliable recovery agent on the internet with this information michaelcalcewizard78@gmail.com. The hack agency helped me recover all I lost and also revealed the identity of the perpetrators , that's why I'm most appreciative and also sharing their contacts info for anyone in a similar situation seeking to recover funds lost to online scams , contact the recovery specialist at: michaelcalcewizard78@gmail.com Business whatsapp:+447375542502 MICHAEL CALCE WIZARD

JAMES JENKINS
06-Nov-2022

I was scammed over $1.850.000. I talked with this guy for 8 months. I sent him money via Bitcoin atm and bank account, I almost lost everything. But for the timely intervention of WZARD GARRY SPEEDHACK, who just in kick-off on time got back my $1.850.000. He is really good at what he does, I have recommended him to friends and co-workers who all became satisfied customers. He has helped me a lot in the trading industry, you can reach him for Everything. Hacking and Funds Recovering he is the best and has different skills in funds recovering and exposing scammers. Am glad and happy to recover my money, there is no shame in becoming a scam victim of one of these sophisticated and predatory operations. By reporting you may be able to recover some or all of your lost funds and prevent the scammers from targeting others. To recover your Scammed Bitcoin funds, Scammed funds, Clear or Erase Criminal Records, Mobile spy remote control access, Bitcoin Mining Contact this Genius Recovery Advocate. Email: wzardgarryspeedhack@gmail.com OR Whatsapp: +1 928 534 9618 Website: https://wzardgarryspeedhac.wixsite.com/my-site-1

Jennifer Aniston
11-Nov-2022

INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW Get $5,500 USD every day, for six months! See how it works Do you know you can hack into any ATM machine with a hacked Atm card?? Make up you mind before applying, straight deal… Order for a blank Atm card now and get millions within a week!: contact us via email address:: blankatmservice1@gmail.com We have specially programmed ATM cards that can be use to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit of $5,500 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for:: and also if you are in need of any other cyber hack services, we are here for you anytime any day. Here is our price list for the ATM CARDS: Cards that withdraw $5,500 per day costs $380 USD Cards that withdraw $10,000 per day costs $665 USD Cards that withdraw $35,000 per day costs $3,550 USD Cards that withdraw $50,000 per day costs $5,500 USD Cards that withdraw $100,000 per day costs $8,000 USD make up your mind before applying, straight deal!!! The price include shipping fees and charges, order now: contact us via email address:: blankatmservice1@gmail.com

Peace James
27-Nov-2022

HOW I GOT BLANK ATM/ CLONE CARDS I lost my job thing's became tough for me and my family and I decided to sort for loan companies here in the United States to take care of my kids as a single mother,but i was advised by my friend to get blank atm card instead as that is what they were using ,that was the first time i heard about such card i thought it was too good to be true because of the good features associated with the card as she has explained that i can purchase one and is a debit card which enable me hack and withdraw $5,500 daily from any atm machine without any trace, i was scared to loose my money for such a card my friend took me to the atm machine to see how she uses the card to withdraw free cash i was surprised and desperate about it immediately she withdrew with the card it was so real and realistic no stress i ordered for the lowest card through their email blankatmdeliveryxpress@gmail.com the lowest is a card of $400 that withdraws $5,500 daily for a period of 6years, this blank cards are real and not traceable when you use, it automatically disconnect the camera in the atm machine so none of your records is capture when using the card on any atm machine, I really recommend this hackers it works in the whole country of the world , you won't regret it get to them immediately Via their email blankatmdeliveryxpress@gmail.com get your blank/ clone cards deliver to you just in 3days and is payment before delivery don't be scared about that as they always deliver 100% don't miss this opportunity get yours immediately and when you see this comments, please help share so alot of people can see this and apply for this card thanks.

Jason Edward
18-Apr-2022

FINANCIAL AGENT LIMITED provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of FINANCIAL AGENT LIMITED Services, we give you a small-company service but with a large-company set up – the best of both worlds. You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. Leasing Price : 6%+2% Buying Price: 38%+2% Contact us for more details on our terms and procedure of transaction. NAME :Jason Edward EMAIL :financialagentltd@gmail.com SKYPE :financialagentltd@gmail.com

dr james eric
23-Nov-2022

Do you need Finance? Are you looking for Finance? Are you looking for finance to enlarge your business? We help individuals and companies to obtain finance for business expanding and to setup a new business ranging any amount. Get finance at affordable interest rate of 3%, Do you need this finance for business and to clear your bills? Then send us an email now for more information contact us now via (financialserviceoffer876@gmail.com) whats-App +918929509036 Dr James Eric Finance Pvt Ltd Thanks

JENKINS COOPER
15-May-2022

THIS IS THE BEST THING THAT HAS EVER HAPPENED TO ME I was scammed of $379,000 worth of bitcoin with a scam forest investment unknowingly then, I didn’t know what to do.. I felt like committing suicide, but fortunately for me, my friend introduced me to a cyber crime investigator ( Mr Morris Gray )who also helps in recovering lost invested funds, After working with him, to my greatest surprise, in just few days I got all my lost funds back, and he only took just 15% out of the recovered funds, if you have been scammed with fake forex you don’t need to be scared or worried, because you can also reach him on his email: ( Morris Gray 830 @ gmail . com ) He will recover your lost bitcoins back fast and smoothly... You can WhatsApp him via +1 (607) 698-0239. And you will be amazed….!!!

JENKINS COOPER
15-May-2022

THIS IS THE BEST THING THAT HAS EVER HAPPENED TO ME I was scammed of $379,000 worth of bitcoin with a scam forest investment unknowingly then, I didn’t know what to do.. I felt like committing suicide, but fortunately for me, my friend introduced me to a cyber crime investigator ( Mr Morris Gray )who also helps in recovering lost invested funds, After working with him, to my greatest surprise, in just few days I got all my lost funds back, and he only took just 15% out of the recovered funds, if you have been scammed with fake forex you don’t need to be scared or worried, because you can also reach him on his email: ( Morris Gray 830 @ gmail . com ) He will recover your lost bitcoins back fast and smoothly... You can WhatsApp him via +1 (607) 698-0239. And you will be amazed….!!!

Rosie Yoder
19-Jul-2022

This is my honest experience. There are a lot of untrue recommendations but because i haven’t worked with all of them i can’t tell you not to trust all of them. I won’t be the one to alter someone’s livelihood. If you have lost money to scam anytime at all, there is a solution. Send a mail to this recovery team (quickrecovery07 at GMAIL DOT COM) to get the peace of mind you deserve.

Paul Harrison
30-Sep-2022

Hello, We Offer SWIFT MT760 (BG/SBLC) MT799 Block Fund, MT103@yahoo.com , BCL, LC, MTN, DTC, MT103 Cash transfer /Collateral, EUROCLEAR and Telegraphic Transfer (TT). We also issue Bank Draft. Contact me if you are in need of the above mentioned. Thanks, Name: Paul Harrison Email: paulharrison809@gmail.com

Colleen Johnson
06-Aug-2022

BLANK ATM CARDS ARE REAL, ATTENTION PLS I am a widow with two kids, i want to share my testimony on how i paid all my debts and own myself a business. I went online then i came across a testimony about a blank atm card, i decided to give it a trial, all to my surprise it came through within 3 day's, what this card is it immediately is slot in any atm card in the world it immediately allow you to withdraw free cash without you being caught,it disable the camera on your ur sensitive information. i got the card, each day i withdraw $ 5000 that's my daily limit. I am so thankful and grateful to Engr Weber the hacker whom God used to take me out of debts and poverty i am sharing this because i know so many out there are in need of this email him immediately to buy one immediately you read this testimony of mine, note is gona cost you money to buy the card as they don't offer free card, do not doubt, i can guarantee you the best with Engr Weber hacking , if interested email him on blankatmdeliveryxpress@gmail.com

dr james eric
21-Aug-2022

Are you looking for loan to clear off your dept. and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need provided you are going to pay back within the period of time given without any problem. Apply now and Contact us for more details: financialserviceoffer876@gmail.com Whats-App on +91 8929509036 Home Of Services Dr James Eric Finance Ltd Dr. James Eric

Olivia Grayson
09-Nov-2022

How to recover Cryptocurrency ; Recovery from crypto wallet hackers,Binary Option & fake investments e.t.c Have you ever been a victim of a scam? Have you lost your money to scam imposters online? I implore you to contact this trustworthy hacker and recovery expert Albert Gonzalez wizard TO HELP RECOVER ALL YOU HAVE LOST, I was a victim of fake people posing as binary options and bitcoin investors, I lost a sum of $4,000 and 2BTC from my bitcoin wallet to these fakes. It took a while before I realized they were scams and this really hurt . Then My in-law heard about the incident and recommended to me a specialist with the address - info@albertgonzalezwizard.online or albertgonzalezwizard@gmail.com whatsapp +31685248506 Telegramm:  +31685248506 This recovery technician helped me recover my stolen bitcoins after providing necessary informations and program requirements and in less than 24hrs the fakes were caught and made to pay for what they did to me .if you have lost any amount to online scams and you're seeking to recover LOST FUNDS from wallet hackers, fake hackers, online dating scams, BTC wallet hack, recovery of lost funds from fake binary investors .Reach out to Quadhacked to help you ,and you will be so glad you did so, best believe.

Steve Jordan
16-Nov-2022

CONTACT Mr Patrick Williams call +2349068893712 or WhatsApp him through this number +2349068893712 or email: patrickwilliam6661@gmail.com, Hello everyone My name is Steve Jordan am from California i am here to give a testimony on how I join the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria,I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all invail, I was afraid to contact any illuminati agent because they have eat my money,One day I come across a post of someone giving a testimony, thanking a man called Patrick Williams of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a nigeria number I was afraid to contact him because a nigerian agent eat my $6000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Mr Patrick Williams and he told me everything to do, and I was initiated, surprisely I was given my benefit of being a new member of the great illuminati brotherhood I was so happy, For those of you trying to join this organization this is your opportunity for you to join CONTACT MR Patrick Williams call +2349068893712 or WhatsApp him +2349068893712or email: patrickwilliam6661@gmail.com.....

SUSHIL CHAURASIYA
25-Mar-2016

excellent information

bajrang kumawat
21-Sep-2016

this is useful information . keep it up. my no. is 8385859866. thanks

Brijesh kumar
23-Nov-2016

Thanks a lot for this very useful information.

rishant kumar
18-Jan-2017

very good information

Mohammad Shahzad
30-Dec-2016

Really very right answer i loved it. I want to say thanks Google.

Paul Harrison
04-Oct-2022

Hello, We Offer SWIFT MT760 (BG/SBLC) MT799 Block Fund, MT103 , BCL, LC, MTN, DTC, MT103 Cash transfer /Collateral, EUROCLEAR and Telegraphic Transfer (TT). We also issue Bank Draft. Contact me if you are in need of the above mentioned. Thanks, Name: Paul Harrison Email: paulharrison809@gmail.com

RAJEEV MISHRA- (SHAKUMBARI ROORKEE) 7417258935
08-Dec-2016

GOOD INFORMATION OF NEFT & RTGS

AJAY KUMAWAT
30-Nov-2016

good

DEEPAK SEHGAL
30-Sep-2016

The difference has been clarified in a crystal clear method. No more confusion.

SHARAD GARAD
24-Aug-2016

Excellent

AFROAZ AHMAD WANI
24-Aug-2016

Very good & useful information

AFROAZ AHMAD WANI
24-Aug-2016

Very good & useful information

MURALIBABU (advocate) 9841582835
04-Nov-2016

very excellent information. thank you.

Suresh Mishra
10-Nov-2016

very excellent learning an information.

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