more and more Dutch shops do on Black Friday, the for America free day after Thanksgiving on which Americans flock to the shopping store. They take advantage of large discounts that stores offer. After the shopgeweld can shops, in their turn, the black writing instead of red, hence the name Black Friday.
Black Friday should the Dutch shopper will then have achieved, the high discounts of 50% where American retailers with straw, appear here with many discounts of 20% and 30% less established. You can buy in the US, make sure that you keep an eye on.
Payment
Transfers abroad remain a minefield for consumers. There are plenty of ways to do that, and each way has its pros and cons. The simplest of these ways is the transfer from the own current account. Every major bank offers that service, although it may be that they are disabled by default is to prevent fraud.
On and off at any time with internet banking services or the app of the bank. The simplicity that banks offer also has a price tag, and that can be large. You send your money in the euro area, then you are at the mercy of a forest of rates that banks both here and across the border in charge. In most of the Dutch banks is that amount a sum of a percentage of the purchase amount, and a fixed storage, with a minimum and a maximum.
Receiver
Then you are not there yet: also the recipient bank charges, and that end up more than once on the plate of the paying party. That can choose one of three options: pay all costs (on overschrijfformulieren referred to as 'Our'), all costs to pass on to the recipient (“Am”), or any of the costs of his own bank payment (Sha). That is the theory, at least, because a lot of the online stores only accept payments with “Our”. is purchasing from the United States suddenly even €5 more expensive if you are with ABN Amro bank, €6,50 for Rabobank, and even €9 more expensive through ING.
PayPal
Fortunately, there are more options. Pay with PayPal, for example, can be cheaper, because there is no banks that the transaction itself need to earn.
Completely free, it is not: who are the credit card used to pay with PayPal, pay is still a premium of 3.4% to 5,99% of the total amount, plus €0.35 per transaction. The website also calculates costs for the currency exchange, but that are not always for the account of the sender. PayPal as a suspense account is also not free of charge, all you pay there with transfers across the border, only 0.4% to 1.8% in cost, without additional fixed costs.
Estimate
so It pays to compare with your bank and with other commercial providers, such as Western Union and MoneyGram. That last party, which here interacts with PostNL, offers online a schattingstool, Western Union (in the Netherlands also active under the brand GWK Travelex) refers directly to the offices.
TransferWise has a pretty clear website, in which the costs are clearly visible, and recommendations surges of the Financial Times, the Economist and the techtijdschrift Wired.
Just as important as money is time: the amount that you transfer must, of course, a bit fast on the account of the receiver. Check it before you send money.
Consumer
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