Glossary entry

French term or phrase:

Les seuils de non-perception d'agios

English translation:

Interest-free threshold amount

Added to glossary by pooja_chic
May 28, 2014 21:06
9 yrs ago
1 viewer *
French term

non-perception d'agios

Non-PRO French to English Other Finance (general) Finance
Vous etes titulaire d'une Facilite de Caisse Personnalisée. Les seuils de non-perception d'agios évoluent le XX 2014 selon le montant de votre autorisation.
Change log

May 29, 2014 16:09: B D Finch changed "Level" from "PRO" to "Non-PRO"

Jun 7, 2014 19:32: pooja_chic Created KOG entry

Jul 1, 2014 13:57: pooja_chic changed "Edited KOG entry" from "<a href="/profile/1063948">pooja_chic's</a> old entry - "non-perception d'agios"" to ""bank charges will not be levied""

Votes to reclassify question as PRO/non-PRO:

Non-PRO (3): Nikki Scott-Despaigne, mchd, B D Finch

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Discussion

nweatherdon May 29, 2014:
"The threshold under which overdraft charges will not be levied "
pooja_chic (asker) May 28, 2014:
Facilite de Caisse Personnalisée: customised account facility?

Proposed translations

+3
55 mins
Selected

bank charges will not be levied

AGIOS are bank charges, fees, interest and commission charged on overdrawn accounts, going over an authorised limit or being overdrawn when you have no authorization.

That is evident from your context: "facilité de caisse" is friendly bank speak for "authorized overdraft limit".

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Note added at 58 mins (2014-05-28 22:04:47 GMT)
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"Vous êtes titulaire d'une Facilite de Caisse Personnalisée. Les seuils de non-perception d'agios évoluent le XX 2014 selon le montant de votre autorisation."

You have an personalized overdraft limit. As from xx 2014, changes are being made to the limit below which no fees, interest or commission are charged.

Or soemthing like that.

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Note added at 58 mins (2014-05-28 22:05:35 GMT)
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http://www.lesclesdelabanque.com/Web/Cdb/Entrepreneurs/Conte...

agios

Somme due à la banque lorsqu’un compte présente un solde négatif pendant un ou plusieurs jours. Le calcul de cette somme s’effectue sur la base des dates de valeur.

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Note added at 1 hr (2014-05-28 22:07:22 GMT)
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Ah, au temps pour moi, it's not an acronym : http://www.dictionnaire-juridique.com/definition/agios.php

Selon certains auteurs, le mot "agio" viendrait de l'italien "aggio". Au sens strict, l'agio est la somme que le banquier retient à titre d'escompte sur la valeur faciale des effets de commerce qu'il avance au remettant. L'agio correspond à la valeur du risque que le banquier court. Son montant est donc fonction, à la fois du temps qui reste à courir jusqu'à la date fixé pour l'encaissement des effets et il tient compte de la solvabilité probable du tiré à l'échéance. Le mot est généralement utilisé au pluriel.

Dans un sens beaucoup plus étendu, les commerçants ont l'habitude d'inclure dans la notion d'agio, même en dehors de toute opération d'escompte, tous les frais qu'outre le prix de la marchandise ou du prix des services, ils facturent à leur client, tels les frais d'ouverture de dossier, les commissions, les intérêts pour retard et les débours divers.

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Note added at 1 hr (2014-05-28 22:07:55 GMT)
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Ignore my capitalization as it is not an acronym.
Peer comment(s):

agree DLyons
3 mins
agree nweatherdon : Overdraft charges. I don't think most bilingual people are used to paying overdraft charges in two different languages, so I think it should be classified as a PRO question.
2 hrs
agree writeaway : agree with non-pro inasmuch as both terms (agios and perception) are found in dictionaries and in the glossary.
2 hrs
Something went wrong...
3 KudoZ points awarded for this answer. Comment: "Thank you Nikki (:"
1 day 4 hrs
French term (edited): non-perception d\'agios

[the] finance charge waiver [levels]

… will change on XX 2014.

'Agios', in the current extended meaning noted in Nikki's source, are interest charges that you pay to the bank. You pay them to finance an overdraft or carried unpaid balance, depending on the type of account, so IMO "finance charges" is the best term for them in English.
Something went wrong...
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