Monthly Archive: June 2019

A Housing Loan for Every Budget

IBS cash loan in a special offer at Getmoney for joyful plans for the whole family – summer 2019, holidays and holidays – loan offer for holidays 2019 and holidays in the country in the mountains, by the sea, in Masuria or abroad. Cheap cash loan at IBS for renovation of an apartment or house. Cheap cash loan at IBS Bank from PLN 1,000 to PLN 3,500 per statement or up to PLN 160,000 without security. Low interest rate and convenient loan period from 3 to 96 months – IBS Bank cash loan – IBS loan promotion offer. Lower interest rate for loans over 20,000 up to 100,000 zł. Take a cash loan at IBS Bank and go on Holiday 2019 All Inclusive at the lowest price for SUMMER 2019 looking for an offer at Last Minute travel agencies. The cheapest holiday loan – a special Internet loan offer for holidays.

IBS Bank focused on a modern offer of loans, deposits, personal and savings accounts in online banking adapted to the needs of ever more demanding clients and did well. This is evidenced by the number of clients who are increasingly willing to transfer personal accounts to IBS and actively use banking products and services.

The factors supporting the implementation of the intended goals are cooperation with the IBS Group, the use of modern technology, the development of distribution channels and the provision of high-quality services. The retail banking development strategy assumes the provision of integrated financial services, the improvement of bundling and the conservative approach to risk. The clients of IBS Bank have access to the Bank’s services 24 hours a day, 7 days a week.


An online loan for any purpose when and where you want


An online loan for any purpose when and where you want

A fast-paced cash loan available during the first visit, provided that the customer will have an identity document and document confirming income, and that no additional credit analysis will be required. Fast cash at IBS Bank is up to PLN 160,000 in cash loans for the repayment period – 8 years (96 months). The loan can be used for any purpose and what is important, IBS Bank does not require a guarantor. In addition, the borrower is free to choose the date of installment payment and may use the Safe Loan insurance program. A fast and attractive cash loan right away.


Cz, it’s worth creating an account

Cz, it

The Direct account with My IBS is a new, personal banking system that facilitates the daily use of the account and adapts to the client. Thanks to it, the customer has access to money where he wants, when he wants and how he wants. On a computer, tablet or smartphone – just as easily. You can immediately see what means the account holder has and what it seems. The Direct account with My IBS makes it easier to make better decisions: efficiently plan your budget and save more. Transfers and recharges are carried out quickly and intuitively.

The Direct account for the company offers a mobile application for tablet and smartphone, PLN 0 for active people for internet transfers in PLN in the country, as well as access to advisors in over 400 branches in Poland.


An online cash loan for the implementation of your plans


An online cash loan for the implementation of your plans


The cash loan in IBS sounds good! What should the profile of the client applying for a cash loan at IBS Bank look like? Extensive conditions to be met in order to receive a cash loan in IBS – basic criteria, requirements (age, income, employment) – loan offer of IBS Bank .

  • Cash loan amount in IBS: from PLN 1,000 to PLN 3,500 (for a statement) or up to PLN 160,000 (without security)
  • Loan period: from 3 to 96 months
  • Interest rate: 7.49 to 8.99% depending on the amount, period, insurance purchase
  • Cash loan in IBS for people from 18 years
  • Required min. income: PLN 800
  • Required employment: contract of employment, commission, work
  • The required duration of employment for individual forms of contract: depending on the source of income
  • Cash loan – income from work abroad – foreign contract: possible to receive a cash loan at the IBS branch
  • Accepted special professions, eg. Sailor, priest, military contract
  • Benefits of the IBS cash loan offer: 0% commission for loans over PLN 20,000 – PLN 100,000

Take advantage of promotional offers and gain.


IBS Bank personal account

ING Bank personal account

A multifunctional and modern internet account for clients who do most of the banking operations themselves. With the account, the customer receives a modern payment card, which can also be paid via the Internet. Modern online banking IBS BankOnLine is access to money when you want through a computer, smartphone, tablet, phone. Mobile application IBS BankMobile for iPhone and Android allowing access to money on your smartphone, to be downloaded just after opening a modern personal IBS account.

IBS Bank has issued over 100,000 Maestro PayPass contactless cards offered to a personal account. They are a convenient and safe way to small shopping. Just bring the card to the reader at the cash register and it’s ready.

In contrast to standard contact transactions, contactless transactions do not require inserting a chip card into the terminal or dragging the magnetic stripe. They do not require confirmation of transactions with a PIN or signature. Just bring the card closer to the reader. In Poland, the maximum amount of a one-time contactless transaction is PLN 50.

The IBS contactless card allows you to make transactions in stores and points marked with the Maestro Paypass logo – these include śabka, Coffee Heaven and McDonalds. IBS hopes that the ever-growing number of contactless cards issued by them and other banks will encourage more points of sale to accept contactless transactions, for the benefit of the client and for themselves.

Paying with a contactless card is just as secure as paying with standard cards. The contactless cards have the technology of secure data encryption. Simply approaching the card to the terminal, eg going with the card next to the reader will not result in an “accidental” transaction. The terminal is activated by the seller – after entering the payment amount at the terminal, the amount to be paid appears and only then it is possible to make a transaction. After data exchange between the terminal and the card, the connection is terminated. A possible attempt to charge the Customer with the same amount or otherwise is therefore impossible, as such action would require re-entering the amount and subsequent contact of the terminal with the card.

The Maestro contactless card of IBS Bank has all the current functionalities of the Maestro debit card issued to the personal account.

Account with Lion Direct

Account with Lion Direct


Internet account – a modern personal account for customers who do most of the banking operations themselves. An account with Lw Direct is full access to money via the Internet, telephone, ATM network and, if necessary, a network of branches.


Mortgage Loan, Mortgage 

Mortgage Loan, Mortgage in ING

Do you want to buy a flat or a house, but you miss cash? Are you wondering where to get it from? Give your head a rest – IBS has a special loan offer for you. Lack of money will no longer be an obstacle to your plans. At IBS you will receive the best housing loan on the market.

Mortgage and construction mortgage loans are granted for:

  • buying a new flat or house,
  • purchase of a used flat or house,
  • building a house,
  • renovation of a house or flat,
  • purchase of a plot.

The mortgage loan is granted in PLN.


  • You can choose 0% commission or reduced margin
  • The maximum loan amount can not normally exceed 80% of the property value.
  • The loan period can be up to 40 years.

You can choose to repay in monthly amounts equal to (so-called “dawn”) or monthly amounts to decrease.

They arrive, arrange, help in choosing the best offer.

IBS offers a free consultation with a credit advisor in a place of your choice, all over the country. They help in choosing the best loan option and in completing the necessary formalities.

Offers: “0% commission” and “Reduced margin” are addressed to persons who have or will create a personal account at IBS Bank SA before signing a loan agreement and have or declare the proceeds on this account in the amount of min. PLN 2000 a month. You do not have an account – open it now. The ‘0% commission’ and ‘reduced margin’ offers do not merge.



Personal payday loan simulator

Simulator Fast Lend personal payday loans is a good example of the level of simplification and simplicity we have made on our website, which will avoid displacement and will save you time and money. In this article we tell you point by point what are the parts that form it and what they are for, a quick guide to a tool that does not really have any mystery.

Online payday loan simulator 

payday loan

The online payday loan simulator on your right has the objective of quickly visualizing the basic conditions of your application, that is, the amount to be requested, the time to be returned and the cost of the operation. Using it does not involve any commitment, since to process the credit it is necessary to provide a series of personal data that are made in the following screen, after pressing the green button. Therefore, feel free to try the different combinations, as it is only a first and informative contact about our services.

This immediate and simple visualization contrasts with the procedures that normally have to be carried out in bank branches or traditional lenders. In them, to request information and obtain a simulation of the credit you have to provide numerous documents, to which must be added the inconvenience of the transfer and the time limitation of their offices. And the result is not always the expected one: a complex payment schedule, with grace periods, opening fees, monthly payments and other concepts that are not always clear.

How our personal payday loan simulator works point by point

How our personal payday loan simulator works point by point

The first thing you will find in our simulator is a bar or selector to choose the amount of money you want to request. At one end you see € 50 and in the other € 750 , which indicate the minimum and maximum amount you can ask for. In the middle, a button that can move both sides to indicate the exact amount of your loan. As you can see, the amounts to be requested are always multiples of 50, in order to simplify the operation.

The second bar of the simulator corresponds to the return period. At Fast Lend, online microcredits have a maximum validity of one month, so at one extreme you will find the term of 1 day and the opposite, of 30 days . In the center of the bar, the exact deadline to establish. Of course, if eventualities arise when returning the credit, you can contact us or the company that manages your loan to request an extension, although this procedure entails additional costs.
Immediately below is a summary of the chosen conditions.

In this space you have to pay attention to the section ‘Cost ‘, because it indicates the price that the customer has to request for the customer. These are also called ‘management expenses’. In many cases you will see it at ‘0 €’, which means that this loan could be free thanks to some promotion or simply that you still do not know the amount of these management expenses, since some personal data that could be modify those fees, such as being enrolled in a list of defaulters.

After that, the next thing shown is the green button. As we said, pressing it does not imply any commitment, because in reality it moves you to the form in which you will have to give your contact information. On the page of that form you can also make a new modification of the amount and term of the credit, so the first decision you make is not invariable.
Finally, a padlock appears under the button and indicates that “All data is safe with SSL encryption”. It is an informative and reassuring message: the personal data that is sent through our website is completely safe thanks to the encryption system we use, the most advanced, which is provided by the prestigious company Comodo.

Fill out the form and start enjoying your credit

Fill out the form and start enjoying your credit

Although we will probably expand it in future posts, the form to which the simulator is redirected is equally simple and logical. In the first section you must indicate the personal data necessary to identify you: name, date of birth, gender, NIF …
Of these personal data, special mention deserves the bank account number.

It is a very important fact, because it is in it where you will receive the requested credit amount. In addition, there is also a box where you will indicate if you have a negative credit history, that is, if you are part of or have been part of a list of defaulters, such as Credit Rating. On the other hand, in the section ‘Employment’ you must also provide relevant information about your employment situation.

However, it should be clarified that being registered with Credit Rating or having no employment at that time are not exclusive conditions when obtaining a loan, but are only informative sections, which are added to the rest of the data provided from the simulator. personal payday loans to configure the most competitive proposal.

What is a Public Debt Trading Operation?

The money that the state has to manage in treasury and debt is administered by a public entity called IGCP. Today, this same body carries out an operation to exchange Treasury Bonds, whose maturity was 2015 and 2016, for Bonds maturing in 2021 and 2023.


First It Is Necessary to Clarify: What are Treasury Bonds?

First It Is Necessary to Clarify: What are Treasury Bonds?

Since the money that the State has to manage does not come only through the collection of Taxes, as well as the families, the State also has to resort to external financing. The way the state most uses to finance itself is through the issuance of Treasury Bonds (for long-term issues) or Treasury Bills (for short-term issues). These bonds are placed on the market by decision of the IGCP and are securities that represent a right of the buyer to receive the amount invested in a previously established time horizon (with maturities up to 50 years), with an associated interest (fixed rates) . In fact, you can always see the latest Variable Income Treasury Bonds.

Today IGCP is making an operation to exchange Treasury Bonds, that is, it will issue debt that it will use to repay the debt that expires.


Why is IGCP doing this operation?


The State’s level of indebtedness is among the highest in the history of our country, so the option to resort to more indebtedness would not be surely responsible (as we have seen with Portuguese families and their relentless search for personal credit). However, funding needs exist and you need to know how to manage these sources. In conducting an exchange of bonds for bonds maturing in 2015 and 2016, the State proposes to pay the same amount of these bonds but now within 2021 and 2023.

This “smoothing of debt peaks” operation allows repayment to creditors of state debt to be better distributed over the years. Since the State knows that in 2021 and 2023 it will not have as high values ​​in its treasury as the projections for the next two years, the IGCP chooses to place in these years the result of this exchange operation of Obligations. In this way you can manage your short-term treasury by making other options without falling into a “bottleneck” in debt. In making this better distribution of repayments, one notices that the State is cautioning to make advance payments on larger and heavier debts, without having to resort to new financings, such as the current debts to the International Monetary Fund.

For this to be successful, investors need to believe that Portugal will be able to meet its obligations in 2021 and 2023, just as they believed it would do next year.