Faq

• Contract conclusion  
  • When can I use Fortissimo payment services?
    After you sign the General Contract.
  • When will my General Contract be non-active?
    • After the expiry date of your ID card (ID1 or ID2).
    • If you don't accept our new General Business Terms.
    • On your request.
• Making payments  
  • What shall I do when a bank doesn't have its SWIFT code?
    Enter "NOSWIFT".
  • What currencies can be traded on client's payment account?
    CZK, EUR, USD, PLN, GBP, CHF, AUD, CAD, SEK, NOK, DKK, HUF
  • What countries can I make payments to without being charged any fees?
    Into "4Free" countries such as Czech Republic, Poland and EU countries which use EUR.

    Attention - payments upto 400 EUR are charged. 
  • Is it possible to extend the "4Free" list?
    Yes. You can send your suggestions to e-mail info@4tissimo.com. The decision to extend the list of  "4Free" countries will be made by Fortissimo PI.
  • How long does a transfer of funds into a recipient's bank account take?
    The period of time needed for crediting a recipient's bank account (EBA) depends on which country/bank the payment is made to. We are able to carry out a transaction within one day, however, some transfers can take up to three working days. In case an amount needed for a particular payment is not available on your payment account, the time of the transaction must be extended by the time needed for depositing disposable amount into your account. Usually one working day.
  • Do I have to enter all requested data for each payment?
    Yes. For repeated payments we recommend you to use templates, where it is possible to fill in all requested data on recipients bank account. 
  • Is the number of templates limited?
    No. It isn't.
  • Can I mark an account in the template as "my own"?
    No, you can't. Marking an account as "my own" can by made only by Fortissimo PI after you send a document proving your ownership or completed form List of Client's own accounts.
  • My I cancel submitted payment order?
    Yes. Your request for cancellation will be accepted only if a particular payment still wasn´t carried out. Cancellation is charged according to current price list.
  • What does it mean "type of payment SHA"?
    The payer is charged only for sending the payment. The recipient is charged by his own bank for receiving the payment and usualy receives the amount decreased of fees for incoming payment.
  • What does it mean "type of payment OUR"?
    The payer is charged by the fee for sending the payment as same as for receiving the payment by the recipient. The recipient receives whole amount sent by the payer.
  • What does it mean "type of payment 4Free"?
    It is a payment which was sent in "4Free" currency to the country, where it is used as a local currency. By the „4Free“ payment is whole amount credited to the recipient's account like by the payment type OUR or by the local payment.
• Shortcuts  
  • SWIFT/BIC
    SWIFT - Society for Worldwide Interbank Financial Telecommunication

    BIC - Bank Identification Code (used in America)

    SWIFT/BIC codes allows to identify exactly the bank which is receiving particular payment.
  • CPA
    Client's  Payment Account
  • EBA
    External Bank Account
  • PCC
    Payment with Currency Conversion
  • PWC
    Payment without Currency Conversion
  • LUT
    Limit of Unsecured Transaction
  • LPF
    Limit of Payment Facility

    a) Within working hours - ekvivalent of 100.000 EUR

    b) Out of working hours - ekvivalent of 20.000 EUR
  • UTL
    User's Transaction Limit
• Claims  
  • Where can I send my claims?
    Direct your claims to the e-mail claims@4tissimo.com.
  • What can I do in case of dissatisfacion?
    In case of dissatisfaction it is possiblle to contact supervising institution, Czech National Bank, Na Příkopě 28, Praha 1, Česká republika.