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Bank transfers are instruments used today by various entities (individuals and companies) to make payments to people who are not physically present for goods and services. This payment instrument enables an easy, safe, convenient and fast movement of funds between deposit accounts (debit and credit).

With the globalization of the economy, the use of electronic means in the financial sector is a booming reality, and, like other banking transactions, paper-based transfers are being replaced by electronic techniques, which are a privileged means of payment.
Bank transfer - a transaction carried out on the initiative of an originating entity (natural or legal person), operated through a credit institution and intended to make amounts of money available to a beneficiary entity, with the possibility of the same entity being simultaneously the originator and beneficiary; 

Transfers can be distinguished by the number of participants, and they may be:

o Intra-bank transfer – a bank transfer between two demand deposit accounts at the same credit institution;
o Interbank transfer - a transfer between two demand deposit accounts at different credit institutions;
o Large Amount Transfer – an interbank transfer of an amount equal to or greater than the limit established by Banco de Cabo Verde for a large amount, ordered by a customer of a credit institution and settled in real time in Banco de Cabo Verde’s settlement system;
o Urgent transfer – an interbank transfer of any amount, subject to a special fee, which, at the request of the originating customer, must be made available to the recipient on the same business day.