Virginia Pérez Román (asker) Jun 5, 2014:

Muchas gracias a todos.

Virginia Koolhaas Jun 5, 2014:

bank giro credit vs wire transfer "bank giro credit" es como un talón de pago, una factura para pagar directamente en el banco (o en muchos países como en Suiza y Francia, en el correo) gastos por cualquier concepto como teléfono, luz, y muchas otras cosas. Se acredita la cuenta bancaria de la empresa que emitió dicha factura. No es una transferencia/grio bancario. Son dos cosas distintas. Tampoco es un cheque de caja porque justamente es algo para pagar, no para cobrar

http://www.chequeandcredit.co.uk/cheque_and_credit_clearing/...
Bank giro credits (BGCs) are used by customers to pay cash or cheques into a bank account. They are commonly found in the form of tear-off strips at the bottom of utility, telephone and other regular bills. A bank giro credit is basically a paper slip addressed to a bank branch instructing it to credit a specified sum of money to a named account at that branch. It bears the money mark logo next to the words “bank giro credit.”

A bank giro credit is not a payment instrument, i.e. it cannot be used on its own to make a payment, and must be accompanied by cash and/or cheque - so the use of bank giro credits tends to follow any trends in the use of cheq