{"id":1254,"date":"2025-10-23T14:59:53","date_gmt":"2025-10-23T14:59:53","guid":{"rendered":"https:\/\/gatefi.es\/nou-reglament-de-transferencies-immediates\/"},"modified":"2025-10-23T14:59:53","modified_gmt":"2025-10-23T14:59:53","slug":"nou-reglament-de-transferencies-immediates","status":"publish","type":"post","link":"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/","title":{"rendered":"Nou Reglament de Transfer\u00e8ncies Immediates"},"content":{"rendered":"

Nou Reglament de Transfer\u00e8ncies Immediates<\/span><\/h1>\n

E<\/span>n compliment del nou Reglament europeu de pagaments instantanis (Reg. UE 2024\/886), a partir de l’octubre de 2025 s’implementaran importants millores al servei de transfer\u00e8ncies SEPA, tant en les transfer\u00e8ncies ordin\u00e0ries com en les immediates. Aquestes mesures tenen com a objectiu refor\u00e7ar la seguretat, l’efici\u00e8ncia i la transpar\u00e8ncia en les operacions banc\u00e0ries. <\/span><\/h2>\n

Transfer\u00e8ncies en euros en menys de deu segons Not\u00edcies | Parlament Europeu<\/a><\/p>\n

Qu\u00e8 canvia?<\/span><\/h2>\n

– Disponibilitat 24 h, 7 dies a la setmana i 365 dies a l’any: les transfer\u00e8ncies immediates estaran disponibles a qualsevol moment.<\/p>\n

– Processament m\u00e9s r\u00e0pid: el temps dexecuci\u00f3 duna transfer\u00e8ncia immediata es reduir\u00e0 a 10 segons.<\/p>\n

– El mateix preu: les transfer\u00e8ncies immediates tindran el mateix cost que les ordin\u00e0ries.<\/p>\n

– Gesti\u00f3 de l\u00edmits: podr\u00e0 establir l\u00edmits diaris o per operaci\u00f3 per a m\u00e9s control.<\/p>\n

– S’igualen els l\u00edmits operatius de les transfer\u00e8ncies immediates amb els de les ordin\u00e0ries i s’elimina el l\u00edmit actual de 15.000\u20ac.<\/p>\n

Verificaci\u00f3 del beneficiari (VoP)<\/span><\/h2>\n

S\u201fintrodueix l\u201fobligaci\u00f3 d\u201foferir un servei gratu\u00eft que verifica que el nom del beneficiari coincideix amb el titular del compte de destinaci\u00f3 (IBAN) abans d\u201fexecutar l\u201fordre de pagament SEPA.<\/p>\n

Este servicio:<\/p>\n

– Prev\u00e9 errors i fraus.<\/p>\n

– Us informa si hi ha discrep\u00e0ncies.<\/p>\n

– Us permet decidir si continuar amb l’operaci\u00f3 o no.<\/p>\n

A partir del 9 d’octubre de 2025, aquest servei ser\u00e0 obligatori per a transfer\u00e8ncies efectuades en comptes oberts a pa\u00efsos membres de la Uni\u00f3 Europea la moneda dels quals sigui l’euro.<\/p>\n

Quins s\u00f3n els possibles resultats de la VoP?<\/span><\/h2>\n

Els possibles resultats de la VoP s\u00f3n els seg\u00fcents:<\/p>\n

– Coincident: el nom proposat coincideix amb el del titular del compte beneficiari.<\/p>\n

– No coincident: el nom proposat no coincideix amb el del titular del compte beneficiari.<\/p>\n

– Gaireb\u00e9 coincident: el titular del compte beneficiari t\u00e9 un nom molt semblant a l’indicat. En aquest cas, es mostrar\u00e0 el nom del titular perqu\u00e8 confirmi que \u00e9s la persona a qui desitja fer la transfer\u00e8ncia. <\/p>\n

Addicionalment, tamb\u00e9 se us indicar\u00e0 si el servei de VoP no \u00e9s aplicable respecte al pa\u00eds on est\u00e0 obert el compte del beneficiari de la transfer\u00e8ncia.<\/p>\n","protected":false},"excerpt":{"rendered":"

Nou Reglament de Transfer\u00e8ncies Immediates En compliment del nou Reglament […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,27],"tags":[],"class_list":["post-1254","post","type-post","status-publish","format-standard","hentry","category-agencia-tributaria-ca","category-fiscal-ca"],"yoast_head":"\nNou Reglament de Transfer\u00e8ncies Immediates - Gatefi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nou Reglament de Transfer\u00e8ncies Immediates - Gatefi\" \/>\n<meta property=\"og:description\" content=\"Nou Reglament de Transfer\u00e8ncies Immediates En compliment del nou Reglament [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/\" \/>\n<meta property=\"og:site_name\" content=\"Gatefi\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-23T14:59:53+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/gatefi.es\/#\/schema\/person\/76d116c8d94bae382a2b3388777672ad\"},\"headline\":\"Nou Reglament de Transfer\u00e8ncies Immediates\",\"datePublished\":\"2025-10-23T14:59:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/\"},\"wordCount\":387,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/gatefi.es\/#organization\"},\"articleSection\":[\"Ag\u00e8ncia Tribut\u00e0ria\",\"Fiscal\"],\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/\",\"url\":\"https:\/\/gatefi.es\/ca\/nou-reglament-de-transferencies-immediates\/\",\"name\":\"Nou Reglament de Transfer\u00e8ncies Immediates - 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