Chat

¿Quieres empezar a vender por internet? Ya lo estás haciendo pero ¿tienes dudas? Pregúntanos

Wed, 03 Feb 2016 23:00:00 GMT

La inclusión de los métodos de pago es un momento trascendental al crear una tienda virtual. A menudo es un tema que los comercios dejan de lado hasta poco antes de empezar a vender, probablemente por la poca información al respecto que existe en el mercado. Si os encontráis en ese momento probablemente tendréis muchas dudas o inquietudes. Si por el contrario ya hace algún tiempo que vendéis online, probablemente las dudas no hayan hecho más que crecer a la par que vuestras necesidades. Tanto en un caso como en el otro, ponemos a vuestra disposición este chat, donde estaremos encantados de responder a vuestras preguntas.

Saving for Retirement: Is it necessary? When should you start?

Wed, 18 Nov 2015 23:00:00 GMT

The measures taken by the Government to ensure the system of state pensions is sustainable mean that these pensions will be progressively reduced, so you will need additional private saving to achieve the level of income you want when you retire. The best way to build up your savings is to start as soon as possible, although obviously the needs of each person will vary according to their age and other factors. When should you start saving to have a good retirement?

Take advantage of this chat to get all your questions answered.

¿Conoces todas la ventajas de las tarjetas de CatalunyaCaixa?

Wed, 08 Jul 2015 22:00:00 GMT

¿Conoces todas las alternativas para pagar a tu ritmo con tu tarjeta de crèdito? ¿Sabes qué tarjeta se adapta más a tus necesidades? ¿Todas las tarjetas funcionan igual? ¿Conoces el crédito semanal? ¿Has oído hablar del servicio Tú Decides? ¿Qué diferencias hay entre les tarjetas de crédito y de débito? ¿Es seguro hacer pagos por internet?

Pension plans: It is never too soon to plan for retirement

Wed, 20 May 2015 22:00:00 GMT

Demographic change and unemployment mean the long-term future of the state pension system is uncertain. It's hard to know the pension you'll get when you retire, but it will undoubtedly be less than you would like.

It's crucial to think about what you want your retirement to be like in order to know how much money you'll need when the time comes. What will you do? Will you travel?

Pension plans are one of the best ways in which you can flexibly plan saving for your future retirement while you also get significant tax benefits. The longer it is to your retirement, the less you have to put into your pension plan each month and the more money you can build up to use during your retirement.

Take advantage of this chat to get your questions answered!

Fondos CX Multiactivos, ¿conoces nuestros nuevos fondos perfilados?

Wed, 11 Mar 2015 23:00:00 GMT

La actual situación económica mundial ha arrastrado a los tipos de interés a mínimos históricos, lo que está afectando a las expectativas de ahorradores e inversores. ¿Cómo se pueden reorientar nuestras inversiones en este entorno? ¿Qué tipo de fondos de inversión nos pueden ayudar a obtener una rentabilidad por encima de los depósitos tradicionales?

Los fondos de inversión CX Multiactivos pueden ayudarnos a encontrar la respuesta: flexibilidad para aprovechar las mejores alternativas de inversión, liquidez inmediata en caso de necesidad y el mejor tratamiento fiscal, con una respuesta personalizada para cada perfil de riesgo y siempre con el asesoramiento experto de CX.

¡Aprovecha este chat para saber todo lo que quieras sobre nuestros fondos CX Multiactivos!

Personal loans: tailored to your needs and a lot easier than it seems.

Wed, 21 Jan 2015 23:00:00 GMT

Need cash to pay for something big? Should you have got a new car ages ago? Are there any differences between a personal loan and financing for any make of car? Want to do some home improvements? New computer? What's the debt limit recommended for you? Have you ever stopped to think that maybe it's better to borrow than to use your savings? What is the NIR? What is the APR? What things should you look at when comparing loan terms and conditions from different banks?

Not all loans are the same and nor do they have the same terms and conditions or purposes. Ask whatever you want and we will give you the most personalised response we can.

Now you have the chance to get answers to all your queries from your CX consumer loans expert.

Retirement solutions: an issue that concerns us all (government agencies, businesses and individuals

Mon, 24 Nov 2014 23:00:00 GMT

Social insurance is a way of saving to cover contingencies that affect our lives (retirement, illness, disability in different degrees, unemployment or death).

The State is the first pillar of social insurance with the benefits it pays to people who meet the minimum contribution requirements. The second pillar is occupational plans that are based on a capitalisation system and may be mandatory or voluntary depending on the country. And the third pillar, which is the one we will be looking at in this chat, is voluntary private pensions which are funded by contributions by people in each country.

The greater the success of these personal plans, the less the pressure on the authorities to reform and achieve the sustainability of our state pension system. Take part in our Expert Chat and we'll answer all your questions!

Investment funds: the alternative at a time of very low interest rates

Wed, 24 Sep 2014 22:00:00 GMT

Europe's complex economic situation has led to interest rates at record lows and significantly affects the expectations of savers and investors. How can we reorientate our investments in this environment? CX investment funds can help us find the answer: flexibility to make the most of the best investment alternatives, immediate liquidity in case of need and the best tax treatment, a customised response for each risk profile and always with CX's expert advice. Get all your questions about investment funds answered in our specialist chat!

Easy Banking: signing contracts, transactions, contact manager... How and when you want!

Tue, 01 Jul 2014 22:00:00 GMT

Would you like to have a direct communication channel with your advisor and be able to contact them from anywhere, anytime? Are you interested in one of our products but don't have time to call in at your branch? Have you downloaded the mobile app? Do you know all the transactions you can already do on it? You are a company. Did you know you can now sign files and deferred transactions using your mobile? Do you know about our new online banking? There you can find and export movements, make transfers in a new way, store favourite transactions, etc. We've created much easier online banking thinking of you

Make the most of the chat to answer all your queries!

Doubts about retirement and pension plans

Wed, 07 May 2014 22:00:00 GMT

When will I be able to retire and get my state pension? What will I get from the social security when I retire? What's the best way of saving to minimise tax, have my money available and avoid risk? Etc.
Make the most of this chat to answer these and other questions about your retirement.

Finance your investment projects with the new ICO 2014 facilities

Mon, 10 Mar 2014 23:00:00 GMT

CatalunyaCaixa has the new ICO facilities available to meet the financing needs of competitive and viable projects run by the self-employed, SMEs, companies and institutions, and with some very advantageous conditions.
Are you thinking of setting up a business? Do you need financing for your current business? Take advantage of this chat to get answers to all your queries about processing an ICO transaction with us.

SEPA: a giant step towards standardising EU banking payment systems

Wed, 29 Jan 2014 23:00:00 GMT

What is SEPA?
SEPA (Single Euro Payments Area) creates a single European market for payments and means people can make national and international payments for their bank transfers, direct debits and cards under the same conditions regardless of where they are.

I have a business and I regularly send batches of bills. Can I still use the direct debit orders I have at the moment to do that? From now on will I have to ask my customers for their IBAN? I have customers abroad; can I send them bills with SEPA? I send bills by internet; can I continue sending files in the same format as I have to date? I have a business and I transfer salaries every month. How will SEPA affect this?

Ask us your question.

Pension Plans: Why do you need to save and when do you should start?

Tue, 10 Dec 2013 23:00:00 GMT

Las necesidades de cada persona varían según el momento vital en el que se encuentra. Las necesidades no son las mismas cuando uno está al principio de su carrera laboral, pagando una hipoteca y con hijos menores de edad que cuando llega al final de su vida laboral y con un patrimonio acumulado. Pero ¿Qué momento es el más recomendable para empezar a ahorrar? ¿Cuándo debemos empezar a preocuparnos para tener una buena jubilación?

Aprovecha este chat para resolver todas tus dudas.

How can I securely pay for my internet shopping with a card?

Tue, 29 Oct 2013 23:00:00 GMT

Is paying with a card online secure? What does secure shopping mean in an online business? What precautions should I take to prevent fraudulent use of my card? What should I do if I am charged for a card transaction I did not make? And what should I do if they do not send me the product or service I have bought online? Who do I complain to? Will they give me back my money?

Now is a good time to take out investment funds. Want to know why?

Thu, 26 Sep 2013 22:00:00 GMT

Want to know which fund best suits your needs? Do you know how to make the most of all the tax advantages of investment funds? Have you always wanted to get into investment funds and you don’t know how to start? Want to diversify your investment fund portfolio and you’re wondering how to do it? Do you know the advantages of regular reimbursement in investment funds?

Take advantage of this chat to find out all you want to know about investment funds!

e-Commerce startup: How to manage online payments.

Mon, 08 Apr 2013 22:00:00 GMT

Are you an entrepreneur and you want to start selling your product or service online? You need to receive payments securely, easily and quickly? What security measures should your website have to minimise the risk of fraud? What do you need to think about when selling abroad?

Take advantage of this chat to get answers to all your queries.

Foreign trade: what help is given to exports?

Sun, 24 Feb 2013 23:00:00 GMT

Is your company thinking about going into international business? Do you need to know the first things you have to do? Are you not sure about what the risks and benefits of exporting are? Do you not know the risk in the country you’ll export to? Does your company already export but wants to get into new markets? Do you want to learn more about means of payment?

If you need advice about exporting, just ask us your question!

Investment funds: investment outlook and advantages in the current environment

Mon, 28 Jan 2013 23:00:00 GMT

What is the outlook for 2013? What types of assets are the best to invest in and at what term? With interest rates at record lows, what are the advantages of investment funds nowadays? And with respect to taxation? Is now a good time to start building a balanced portfolio of funds for my risk profile? Can CX Inversió’s range of funds cater for my needs? Is now a good time to invest in dynamic funds?

Retirement solutions: How do you want to save to improve your retirement income?

Mon, 17 Dec 2012 23:00:00 GMT

When should you start saving? With which products can I save most tax? When can I take out the money I have in a pension plan? How can I take it out, as capital or income? Are there any pension plans that guarantee a good return? Can I put all the money I have in several plans in one pension plan? What happens if I take the money out of a guaranteed pension plan before the guarantee expires?

Managing your savings

Thu, 22 Nov 2012 23:00:00 GMT

Do you want to diversify your savings but you don’t know which basket of products is best? Which products have tax advantages? Would you like to put money into an investment fund and you want to know what to look for when choosing one? Is return always tied to risk? Are short-term or long-term investments the better bet now? Where should savings go in the current economic climate? Is it worth taking risks at the moment to get a higher return?

Take advantage of this chat to get answers to all your queries. Ask your question!

The bank in your pocket. How can mobile banking help you every day?

Wed, 24 Oct 2012 22:00:00 GMT

Have you got a new smartphone? Or have you had one for a while? Did you know that with the M-Wallet (e-wallet) your new smartphone will end up replacing your conventional wallet and you'll be able to pay in shops with just your mobile? Have you downloaded the “CXmobi” app yet? Do you want to know which financial transactions you can easily do on your mobile? And if you lose your mobile, are you concerned about whether mobile banking is secure and what protection it offers you? Do you have a business and want to monitor and sign financial transactions with your mobile? Or maybe you trade on the stock market and would like to see quotes, check your portfolio and place orders with your smartphone?

Take advantage of this chat to get answers to all your queries.

How can I shop and use online banking securely?

Wed, 26 Sep 2012 22:00:00 GMT

What advantages does CatalunyaCaixa offer for online shopping? How do I know if the website where I am shopping has all security guarantees in place? Can I set a credit limit for shopping online that’s different to the one I have now for shopping in-store? Can I do the same transactions online as I can in my branch? If I make a mistake in an online transaction, can I reverse it? What about a purchase? Do CatalunyaCaixa by Internet products have any unique benefits (deposits, accounts, etc.)?

You can resolve all your doubts in this chat.

Investment recommendations for uncertain times

Wed, 11 Jul 2012 22:00:00 GMT

Given the current economic situation, what saving options offer me the most security? I’m 30 years old; should I start thinking about saving for retirement? Are emerging markets a good investment? Deposits or investment funds: which are best in a time like the present? Is there always a high risk if you get a high return on an investment? Are there any products that give you a return plus you can take out your money when you want?

Doing business online. What do I need to do to sell products on the internet?

Wed, 30 May 2012 22:00:00 GMT

Are you a business owner and you would like to find out what you need to do when starting to sell products on the internet? Can I set up an instalment payment system on an online shop? Are you worried about online fraud affecting purchases and you would like to find out about tools to minimise such problems? What exactly are "velocity checks"? Is it safe to accept card payments from customers who make purchases in a foreign country? If cards are the only means of payment, can customers outside Spain also make purchases?

Learn all about your insurance!

Mon, 07 May 2012 22:00:00 GMT

What is payment protection insurance? In what cases can it be taken out? Do the owners of flats to let have to have liability insurance? If I’m a tenant, what should I include in my home insurance? What does my condominium’s insurance cover me for exactly? I took out a Future Plan with the insurance linked to the money I’m saving for when my son goes to university. What does this insurance cover me for exactly?

Opportunities and trends in 2012 for buying and renting properties

Tue, 10 Apr 2012 22:00:00 GMT

What is the property sector likely to do in 2012? What are the most attractive investments at the moment? What are the advantages in buying or renting a CX Immobiliària property? How do you think house prices will change? And rents?

Ask your question.

Investment opportunities in 2012

Mon, 05 Mar 2012 23:00:00 GMT

Do you have some money saved up and would like to find out about the various options for getting a good return on it?
Do you know your investor profile and what product best suits your needs: deposits, investment funds, equity?
What's the recommended term: short or long?
In the current economic climate, what are the most suitable investments?

Put your questions to our expert!

International trade, new opportunities for your business

Mon, 30 Jan 2012 23:00:00 GMT

Are you thinking about making your business international? Do you want to export your products or services to new countries but aren't sure about what procedures to follow? Do you need to finance imports or exports? Do you want to know the advantages of working in currencies other than the euro? Do you know what exchange rate insurance is and what it is used for? What are the safest means of payment for sales to EU countries? And outside the EU?

Ask us anything you want to know about international trade.

Pension plans

Wed, 21 Dec 2011 23:00:00 GMT

Pension plans allow you to save for retirement and benefit from significant tax advantages. Would you like to know what these benefits are exactly? What types of pension plans are there? At what age is it advisable to take one out? Do you have to make contributions each year? Is there a minimum or maximum contribution? Can you have more than one?

Ask your question.

e-Commerce

Wed, 23 Nov 2011 23:00:00 GMT

Do you own a business and want to find out about the benefits of starting to sell online? Have you got an online store and want a platform to manage payments from your customers? Are you concerned about fraud in online sales and want to learn about how you can minimise it? If you only offer cards as a payment system, can customers from outside Spain also buy from you?

Ask your question!

If you need more information, see our products.

Investment opportunities

Tue, 04 Oct 2011 22:00:00 GMT

You have some savings and you want to find out about opportunities for getting a good return on them? Deposits, investment funds, equities?

Which one’s best for the economic situation we are experiencing now?

Short-term or long-term investments? Diversifying’s fine, but how can I know which basket of products is best for me?

Ask your question.

If you need more information, see our products.

Present and future opportunities in the property sector

Wed, 13 Jul 2011 22:00:00 GMT

One of the keys to economic recovery is in the property sector. What are the current and underlying trends? How will the different variables behave in the short, medium and long term? What are the most attractive investments at the moment? What are the advantages of buying or renting a CX Immobiliària property? How can I find the flat I need and can afford?

Ask your question.

What do you need to know about international trade?

Tue, 03 May 2011 22:00:00 GMT

Are you thinking about expanding your company's operations abroad? Do you know the paperwork you have to do? Do you want to finance imports and/or exports? Do you need advice about foreign trade products? Do you know the advantages of working in currencies other than the euro? Have you ever taken out exchange rate insurance? Do you know what it is?

Do you know the solutions that you have with the CX’s insurance?

Tue, 22 Mar 2011 23:00:00 GMT

From what age is it best to take out life insurance? I'm self-employed and if I don't work I don't get paid; is there any insurance to cover me if I have no work? My car's 5 years old; should I get fully comprehensive insurance for it? What should I consider for the amount of home insurance? It is important to insure content or is insuring building enough?

Investing in investment funds

Wed, 16 Feb 2011 23:00:00 GMT

In this second chat we're going to look at "investment funds". What are they? What are they for? Is now a good time to invest? What types of funds are there? Where do CatalunyaCaixa funds invest? Would it be a good idea for me to change funds? If I make a transfer from one fund to another, will I get hit by tax? How can I maximize profits? Which ones are the safest? What should I look at when investing in one? Can you make transfers between funds run by different managers and banks? Who manages CatalunyaCaixa Funds? What opportunities are there at the moment?

Xavier Martin has a degree in Economics and Business Studies from the University of Barcelona and is a CAIA Association Chartered Alternative Investment Analyst. He is currently Investment Director at CX Inversió SGIIC and over the last 6 years has been the General Manager of Caixa Catalunya Gestió. From 2000 to 2004 he was in charge of the Portfolio Management Unit in Caixa Catalunya's Treasury Department. He has more than 10 years experience in financial markets.

You can resolve all your doubts in investment funds in this chat.

Where can I invest my savings?

Mon, 20 Dec 2010 23:00:00 GMT

Where should I invest my savings for my retirement? And what about the money I’ve got put away for a rainy day? What products are the banks offering? What are the main tax benefits that I can take advantage of? Deposits or investment funds: what’s recommended at a time of low interest rates and stock market fluctuations? Do high returns and high risk investments always go together?

Jon Torrontegui has a degree in Business Administration and a Master in Executive Development from Deusto. He is currently Resources Marketing Director at CatalunyaCaixa and has extensive experience in creating, developing and marketing investment products.