How Using a VoIP Phone Service Can Cost You Your Life

Internet phone calls are becoming more famous day by day. It is important first for you to know what a VoIP service is.

VoIP stands for Voice over Internet Protocol, also known as voice over Internet Protocol.

It is a way of transferring your audio over internet by converting it to digital data. This data is transmitted over internet instead of phone lines.

How does it Work?
For a VoIP service you first need to have a broadband connection and a VoIP phone system installed on your PC. And if your friend has the same you may make a phone call. The data is transferred over internet, when you make a call the data is first transferred to your VoIP Company's call processor, then from there it is transferred to your friend's computer. This method of calling is less expensive then the original phone system.

The VoIP has many advantages like low call costs as the internet becomes more common.

There are many services for which you will be charged highly on a traditional phone line, such as Caller ID, Return Call, Call waiting, Call transfer, three-way calling but while using a VoIP service you do not have to pay much.

So what's the Problem with using VoIP Phones?

One of the major constraints with the VoIP is that you must have a good high speed internet connection to make clear calls, and you computer system must also be nice one.

The VoIP works well as your connection and computer is good.

Your computer must also be able to handle the calls coming, and must not be overloaded by other programs running on the computer. The VoIP signals will be weakened if your computer isn't powerful enough.

The most important thing is the emergency call 911, you sure can make the call but they won't be able to track your location, this is a challenge for VoIP. In future the VoIP service wire will cover up this problem also.

One another problem is that there is no standard for VoIP to be followed around the globe. There is a probability that in future the traditional phone lines may be totally replaced by the VoIP services.

For more articles and resources about Phone Calls visit Free Calls Voip Phone Calls provide Free International Calls and Phone Cards. Article Source: http://EzineArticles.com/?expert=Youssef_Ali

Philippine Banking SWIFT Code

Para sa mga OFWs na magpapadala ng pera sa Pilipinas sa pamamagitan ng Bank-to-bank transfer. Importante na ngayon ang SWIFT code.

You should fill-up the following recipient address:
Bank Name:
Bank Branch/Location:
Account Name:
Account Code:
SWIFT CODE:

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Allied BaNnking Corporation - ABCMPHMM
American Express BAank Philippines - AMEXPHMM
Banco de Oro UniIversal Bank - BNORPHMM
Bank of China Manila BrJanch - BKCHPHMM
BaAnk of Commerce - PABIPHMM
Bank of the PPhilippine Islands - BOPIPHMM
ChIina Banking Corporation - CHBKPHMM
DevelopmenNt Bank of the Phil. - DBPHPHMM
East West Banking CorporatioOn - EWBCPHMM
EYquitable PCI Bank - PCIBPHMM
Hong Kong and Shanghai Bank - HSBCPHMM
International Comm Bank of China - ICBCPHMM
International Exchange Bank - INXBPHMM
Land Bank of the Philippines - TLBPPHMM
Maybank Philippines Incorporated - MBBEPHMM
Metropolitan Bank & Trust Co. - MBTCPHMM
Philippine Bank of Communications - CPHIPHMM
Philippine National Bank - PNBMPHMM
Philippine Veterans Bank - PHVBPHMM
Philtrust Bank - PHTBPHMM
Prudential Bank - PILBPHMM http://naijapinoy.wordpress.com
Rizal Commercial Banking Corp - RCBCPHMM
Security Bank and Trust Corp - SETCPHMM
Standard Chartered Bank - SCBLPHMM
Union Bank of the Philippines - UBPHPHMM
United Coconut Planters Bank - UCPBPHMM
United Overseas Bank Philippines - UOVBPHMM

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Please take note that Philippine banks do not use IBAN – International Bank Account Number. The only time you will use IBAN is if you are sending money to European banks.

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PLEASE READ:

The Society for Worldwide Interbank Financial Telecommunication (”SWIFT”) operates a worldwide financial messaging network. Messages are securely and reliably exchanged between banks and other financial institutions. SWIFT also markets software and services to financial institutions, much of it for use on the SWIFTNet Network, and ISO 9362 bank identifier codes are popularly known as “SWIFT codes”.

It is the unique identification code of a particular bank. These codes are used when transferring money between banks, particularly for international wire transfers, and also for the exchange of other messages between banks. The codes can sometimes be found on account statements.

The majority of international interbank messages use the SWIFT network. As of December 2007 SWIFT linked 8,332 financial institutions in 208 countries.

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) handles the registration of these codes. For this reason, Bank Identifier Codes (BICs) are often called SWIFT addresses or codes.

There are over 7,500 “live” codes (for partners actively connected to the BIC network) and an estimated 10,000 additional BIC codes which can be used for manual transactions.

http://www.swift.com/biconline
http://en.wikipedia.org/wiki/ISO_9362
http://en.wikipedia.org/wiki/SWIFT

IBAN (International Bank Account Number)

In europe among the european countries, ever since they acceded to euro currency, the interbank payment transactions had become very easier, cheaper and under single currency euro. It became mandatory for Banks in the EU to issue IBANs, on request, on all accounts from 2001. By introduction of IBAN (International Bank Account Number) one single account number is enough to receive payments from europe or worldwide. This IBAN account number contains information about

* Beneficiary Account number
* Bank Clearing Code (BLZ in germany, Code guichet in france)
* Destination Country

Besides this, each bank worldwide are allotted and identified by a unique code known as SWIFT code or BIC (Bank Identification Code). The SWIFT organisation is responsible for allotting SWIFT or BIC codes to banks worldwide. Their website is swift.com. They also publish very latest updated SWIFT codes for banks or institutions in their website.

The IBAN was developed to facilitate payments within the European Union. Customers, especially individuals and SMEs, are frequently confused by differing national standards for bank account numbers. The IBAN is not yet used for routing, because the IBAN has not been widely adopted outside Europe, among other reasons. The ECBS expects that adoption may take up to ten years, so it remains necessary to use the current ISO 9362 Bank Identifier Code system (BIC or SWIFT code) in conjunction with the BBAN or IBAN.

At present, the United States does not participate in IBAN, although in Mexico they have a similar system called the CLABE. Any adoption of the IBAN standard by U.S. banks would likely be initiated by ANSI ASC X9, the U.S. financial services standards development organization.

Currently all European non-CIS countries, as well as Israel, Tunisa, Mauritius, and Turkey participate in the IBAN system, while the rest of the world remains outside of it. British dependencies (except Gibraltar and the Crown Dependencies) don’t participate in the IBAN system.

http://www.aib.ie/servlet/Satellite?cid=1141324680684%26pagename=IBHelpInfo%2Fib_main%26section=S005%26c=IBContent_C

http://www.europebanks.info/ibanguide.htm

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