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How To Pay
 

 

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We try to make it easy for you to pay: 

  • We accept payments in euros, pound sterling and Danish kroner
  • We have girobank or bank accounts in four countries.
  • We accept Mastercard and Visa online, or you can give us your card number by phone or fax.
  • We use 2 e-mail payment systems, Paypal and Moneybookers, where you can pay by domestic bank transfer, Visa, Mastercard, American Express, Visa Electron, Discover, Delta.
  • Our invoices show the amounts to pay in euros, pound sterling and Danish kroner. We apply the exchange rates from the European Central Bank on the day of the invoice and without any surcharge. If you pay in advance, then we apply the exchange rate of the day we receive your payment.

Our Accounts

Country

Name

Currency Accepted

France La Poste Euro
Luxembourg Chèques postaux Euro
United Kingdom Alliance & Leicester Girobank Pound sterling
Denmark Sydbank Danish krone & Euro

Payment Options

Domestic Bank Transfer

Domestic Giro Transfer

Payment at the Post Office
If you have a bank or giro account in any of the countries where we have an account, then it's simple to pay by domestic transfer.

You can also go to a post office and ask to pay into our account, except in Denmark. 

We prefer payment in euros if you have the choice.

You will find our account details on the back of our invoices.

International Bank Transfer

International Eurogiro Transfer

If you don't have an account in any of the countries where we have an account but in another country, then you can make an international transfer.

International transfers can be very expensive or very cheap. Some of the costs can be very will hidden. Below are some guidelines, but we will help you at any time finding the cheapest way to transfer the money.

If you have the choice, then we prefer receiving international transfers into our Luxembourg account.

Because of the high cost, we do not accept international transfers into our UK account.

All international transfers in euros within the EU must cost the same as a domestic transfer in euros in the same bank, according to EU legislation. It is a condition that you quote our exact account details, using the BIC and IBAN identifiers that you will find on the back of our invoices and that you choose the option saying that the remitter and beneficiary each pay their own costs.

All transfer fees, whether for the remitter, intermediary or beneficiary, are at your charge and will be invoiced to you if debited our account.

NOTES ABOUT FEES:

Before making an international transfer, you are advised to understand all the costs, which may be made up of:

  • Fee charged by your bank.
  • Fee charged by an intermediary bank. This is rarely published, but a transfer within the EU cannot attract a fee from an intermediary bank if you choose to pay the fees for both your bank and our bank.
  • Fee charged by our bank. Ask us.
  • Commission for currency exchange. This is sometimes published; sometimes not.
  • Currency being exchanged at a rate that is less favourable than the market rate. Banks rarely make you aware of that. Ask them in advance for the most recent exchange rate they applied and compare that to the exchange rate from the same day at the European Central Bank. You may be able to specify whether your bank or our bank will be doing the currency exchange. We have seen that the same transfer between the same banks can be 3% more expensive if bank X exchanges the currency instead of bank Y. Many banks in the United Kingdom use a less favourable exchange rate than banks in other countries.

EUROGIRO NOTES:

Eurogiro is an alternative electronic network that in general is cheaper to use than bank transfers. To make a Eurogiro transfer, you must hold an account in a participating institution. When using Eurogiro, there are no intermediary banks. All our accounts except in the UK can accept Eurogiro transfers.

For more information about Eurogiro and to see a list of participating countries and institutions, please go to http://www.eurogiro.com/.

Cheques

 

Cheques should be issued to "Finn Skovgaard". We accept bank or postal cheques issued by a financial institution in any of the following countries and in the currencies specified:

France Euro
Luxembourg Euro
United Kingdom Pound sterling
Denmark Danish krone
Cash We accept cash in euros up to 3,000 €, which is the legal limit in France. In some cases, we may accept cash in the other currencies mentioned below. Please inquire in advance.

Euros Accepted up to 3,000 €
Pound sterling Please inquire
Danish kroner Please inquire

Do not send cash through the post

Credit card logos Credit card logos

Mastercard or Visa online or via phone or fax

Online: Enter the amount to pay and your card number on our payment page. We use PayPal.com for our payments. It's a safe payment method. Your card number is encrypted and transmitted directly to PayPal. We will not get to know your card number.

Phone or fax: Give us your card number so we can debit the amount from your card.

Credit card logos Paypal logo
MoneyBookers

HOW IT WORKS:

Moneybookers is a system for secure payment by e-mail.

We don't see your card or account details, because the payment is done entirely on moneybookers.com.

Once you have paid Moneybookers, they credit the amount to our Moneybookers account.

Moneybookers accept domestic bank transfers free of charge and Visa, MasterCard, Visa Electron and Delta against a 3% fee. Paying us cost 1%, max. 0.50 €.

We accept Moneybookers payments in euros only. Their currency exchange commission is 0.8%.

Credit card logos  

PayPal

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HOW IT WORKS:

PayPal is a system for secure payment by e-mail. We send you an e-mail with a request for payment, or if you know PayPal well, you send us the money yourself. You click on the link in the e-mail to go to paypal.com. If you already have a PayPal account, you can pay using your existing balance. Alternatively, you can use your credit or charge card to pay on the PayPal site.

We don't see your card details, because the payment is done entirely on paypal.com.

Once you have paid PayPal, they credit the amount to our PayPal account.

PayPal accept Visa, MasterCard, Discover and American Express (not corporate Amex cards).

We accept PayPal payments in euros only. Their currency exchange commission is 2.5%.

SCAM ALERT

There are fraudulent e-mails in circulation, looking as if they came from PayPal, asking users to update their card details or similar. These e-mails are not from PayPal but are designed to get your card details for fraudulent use. These e-mails should be deleted. You should only react to e-mails from PayPal if you expect them and they contain details about a purchase you have made. Never enter your PIN code on the Internet.

 

We reserve the right to change the available payment options at any time without prior notice.

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© Copyright Finn Skovgaard 2003, 2007. All rights reserved.
Entreprise individuelle registered in the name of Finn Thomas Skovgaard with the trade name of Skovgaard Europe
RCS Tarascon 439 844 952. SIRET: 43984495200036. VAT: FR24439844952.