7.Perbedaan Bilyet Giro dengan Cek

Giro dan cek memiliki perbedaan yang cukup signifikan, oleh sebab itu saya akan membahas sedikit mengenai perbedaan antara bilyet giro dengan cek. Adapun perbedaan tersebut yaitu :

GiroCek

Uang harus ditransfer ke rekening yang tertera dan tanggal buka giro bisa berbeda dengan tanggal transfer giro. Misal giro ditulis tanggal 5 tetapi bisa untuk transfer tanggal 10 ini disebut sebagai giro mundur. Pada dasarnya giro memang lebih aman dari cek karena uang harus masuk ke rekening si penerima atau tidak bisa dicairkan secara tunai.Tidak perlu mencantumkan nomor rekening Bank dan uang bisa diambil secara tunai. Bila dimaksud untuk diberikan kepada nama yang tertera, maka tulisan 'atau pembawa' dicoret pada cek tersebut. Bisa diubah menjadi giro dengan cara membubuhkan tanda strip diagonal pada sisi kiri atas cek.

Pengertian Traveller ChequeTraveller cheque atau cek perjalanan merupakan surat berharga yang dikeluarkan oleh sebuah bank, yang mengandung nilai, dimana bank penerbit (issuer) sanggup membayar sejumlah uang sebesar nilai nominalnya kepada orang yang tanda tangannya tertera ada cek perjalanan itu. TC sering disebut juga dengan cek pelancong karena kebanyakan digunakan oleh orang-orang yang sedang melancong atau bepergian. Travels Cheque biasanya mempunyai dua bentuk kata CB. Drover dan RWB Bosley. Bentuk yang pertama ialah dengan dinyatakan diterbitkan oleh orang yang berpergian dan bank yang mengeluarkannya ikut serta menanda tangani atau bentuk kedua, diterbitkan oleh bank atas dirinya sendiri dan ikut serta ditanda tangani oleh orang yang berpergian.

Informasi Kurs dollar dan beberapa mata uang asing terhadap rupiahTanggal: Tue 3 Mar 2015 SIMBOLMATA UANGKURS JUALKURS BELIKURS TENGAH

AUDAustralia - Dollar10,285.059,998.0510,141.55

CADCanada - Dollar10,502.0510,219.0510,360.55

CHFSwiss - Franc13,678.4513,323.4513,500.95

CNYChina - Yuan2,095.152,039.652,067.40

DKKDenmark - Krona1,981.651,916.451,949.05

EUREropa - Euro14,686.7514,311.7514,499.25

GBPEnglish - Poundsterling20,209.9519,670.9519,940.45

HKDHongKong - Dollar1,687.501,657.401,672.45

JPYJapan - Yen110.02106.63108.33

NZDNew Zealand - Dollar9,923.659,620.659,772.15

SARRiyal - Saudi3,510.553,407.553,459.05

SEKSwedia - Krona1,594.001,535.901,564.95

SGDSingapura - Dollar9,539.009,481.009,510.00

USDAmerika - USD Dollar13,120.0012,820.0012,970.00

kurs jual artinya harga yang ditetapkan dan berlaku apabila bank / lembaga penukaran mata uang menjual mata uangnya kepada masyarakat / konsumen

kurs beli adalah harga yang ditetapkan dan berlaku apabila bank/ lembaga penukaran mata uang membeli mata uang dari masyarakat dan konsumen

sedangkan kurs tengah adalah nilai kurs jual ditambah kurs beli lalu di bagi dua / atau kurs rata21. AFN = Afghanistan, Afghanis2. ALL = Albania, Leke3. DZD = Algeria, Dinars4. USD = America (United States of America), Dollars5. USD = American Samoa, United States Dollars6. USD = American Virgin Islands, United States Dollars7. EUR = Andorra, Euro8. AOA = Angola, Kwanza9. XCD = Anguilla, East Caribbean Dollars10. XCD = Antigua and Barbuda, East Caribbean Dollars11. ARS = Argentina, Pesos12. AMD = Armenia, Drams13. AWG = Aruba, Guilders (also called Florins)14. ANG = Aruba, Netherlands Antilles Guilders (also called Florins)15. AUD = Australia, Dollars16. EUR = Austria, Euro17. AZN = Azerbaijan, New Manats18. EUR = Azores, Euro19. BSD = Bahamas, Dollars20. BHD = Bahrain, Dinars21. EUR = Baleares (Balearic Islands), Euro22. BDT = Bangladesh, Taka23. BBD = Barbados, Dollars24. XCD = Barbuda and Antigua, East Caribbean Dollars25. BYR = Belarus, Rubles26. EUR = Belgium, Euro27. BZD = Belize, Dollars28. XOF = Benin, Communaut Financire Africaine Francs (BCEAO)29. BMD = Bermuda, Dollars30. BTN = Bhutan, Ngultrum31. INR = Bhutan, India Rupees32. BOB = Bolivia, Bolivianos33. ANG = Bonaire, Netherlands Antilles Guilders (also called Florins)34. BAM = Bosnia and Herzegovina, Convertible Marka35. BWP = Botswana, Pulas36. NOK = Bouvet Island, Norway Kroner37. BRL = Brazil, Real38. GBP = Britain (United Kingdom), Pounds39. USD = British Indian Ocean Territory, United States Dollars40. USD = British Virgin Islands, United States Dollars41. BND = Brunei Darussalam, Dollars42. BGN = Bulgaria, Leva43. XOF = Burkina Faso, Communaut Financire Africaine Francs (BCEAO)44. MMK = Burma (Myanmar), Kyats45. BIF = Burundi, Francs46. XOF = Cte D'Ivoire, Communaut Financire Africaine Francs (BCEAO)47. USD = Caicos and Turks Islands, United States Dollars48. KHR = Cambodia, Riels49. XAF = Cameroon, Communaut Financire Africaine Francs (BEAC)50. CAD = Canada, Dollars51. EUR = Canary Islands, Euro52. CVE = Cape Verde, Escudos53. KYD = Cayman Islands, Dollars54. XAF = Central African Republic, Communaut Financire Africaine Francs (BEAC)55. XAF = Chad, Communaut Financire Africaine Francs (BEAC)56. CLP = Chile, Pesos57. CNY = China, Yuan Renminbi58. AUD = Christmas Island, Australia Dollars59. AUD = Cocos (Keeling) Islands, Australia Dollars60. COP = Colombia, Pesos61. XAF = Communaut Financire Africaine (CFA), Francs62. KMF = Comoros, Francs63. XPF = Comptoirs Franais du Pacifique (CFP), Francs64. XAF = Congo/Brazzaville, Communaut Financire Africaine Francs (BEAC)65. CDF = Congo/Kinshasa, Francs66. NZD = Cook Islands, New Zealand Dollars67. CRC = Costa Rica, Colones68. HRK = Croatia, Kuna69. CUP = Cuba, Pesos70. ANG = Curao, Netherlands Antilles Guilders (also called Florins)71. EUR = Cyprus, Euro72. CYP = Cyprus, Pounds (expires 2008-Jan-31)73. CZK = Czech Republic, Koruny74. DKK = Denmark, Kroner75. DJF = Djibouti, Francs76. XCD = Dominica, East Caribbean Dollars77. DOP = Dominican Republic, Pesos78. EUR = Dutch (Netherlands) Euro79. XCD = East Caribbean Dollars80. IDR = East Timor, Indonesia Rupiahs81. USD = Ecuador, United States Dollars82. EGP = Egypt, Pounds83. EUR = Eire (Ireland), Euro84. SVC = El Salvador, Colones85. USD = El Salvador, United States Dollars86. GBP = England (United Kingdom), Pounds87. XAF = Equatorial Guinea, Communaut Financire Africaine Francs (BEAC)88. ETB = Eritrea, Ethiopia Birr89. ERN = Eritrea, Nakfa90. EEK = Estonia, Krooni91. ETB = Ethiopia, Birr92. EUR = Euro Member Countries, Euro93. FKP = Falkland Islands (Malvinas), Pounds94. DKK = Faroe Islands, Denmark Kroner95. FJD = Fiji, Dollars96. EUR = Finland, Euro97. EUR = France, Euro98. EUR = French Guiana, Euro99. XPF = French Pacific Islands (French Polynesia), Comptoirs Franais du Pacifique Francs100. XPF = French Polynesia (French Pacific Islands), Comptoirs Franais du Pacifique Francs101. EUR = French Southern Territories, Euro102. XPF = Futuna and Wallis Islands, Comptoirs Franais du Pacifique Francs103. XAF = Gabon, Communaut Financire Africaine Francs (BEAC)104. GMD = Gambia, Dalasi105. GEL = Georgia, Lari106. EUR = Germany, Euro107. GHS = Ghana, Cedis108. GIP = Gibraltar, Pounds109. XAU = Gold, Ounces110. GBP = Great Britain (United Kingdom), Pounds111. EUR = Greece, Euro112. DKK = Greenland, Denmark Kroner113. XCD = Grenada, East Caribbean Dollars114. XCD = Grenadines (The) and Saint Vincent, East Caribbean Dollars115. EUR = Guadeloupe, Euro116. USD = Guam, United States Dollars117. GTQ = Guatemala, Quetzales118. GGP = Guernsey, Pounds119. GNF = Guinea, Francs120. XOF = Guinea-Bissau, Communaut Financire Africaine Francs (BCEAO)121. GYD = Guyana, Dollars122. HTG = Haiti, Gourdes123. USD = Haiti, United States Dollars124. AUD = Heard Island and McDonald Islands, Australia Dollars125. BAM = Herzegovina and Bosnia, Convertible Marka126. EUR = Holland (Netherlands), Euro127. EUR = Holy See, (Vatican City), Euro128. HNL = Honduras, Lempiras129. HKD = Hong Kong, Dollars130. HUF = Hungary, Forint131. ISK = Iceland, Kronur132. INR = India, Rupees133. IDR = Indonesia, Rupiahs134. XDR = International Monetary Fund (IMF), Special Drawing Rights135. IRR = Iran, Rials136. IQD = Iraq, Dinars137. EUR = Ireland (Eire), Euro138. IMP = Isle of Man, Pounds139. ILS = Israel, New Shekels140. EUR = Italy, Euro141. JMD = Jamaica, Dollars142. NOK = Jan Mayen and Svalbard, Norway Kroner143. JPY = Japan, Yen144. JEP = Jersey, Pounds145. JOD = Jordan, Dinars146. KZT = Kazakhstan, Tenge147. AUD = Keeling (Cocos) Islands, Australia Dollars148. KES = Kenya, Shillings149. AUD = Kiribati, Australia Dollars150. KPW = Korea (North), Won151. KRW = Korea (South), Won152. KWD = Kuwait, Dinars153. KGS = Kyrgyzstan, Soms154. LAK = Laos, Kips155. LVL = Latvia, Lati156. LBP = Lebanon, Pounds157. LSL = Lesotho, Maloti158. ZAR = Lesotho, South Africa Rand159. LRD = Liberia, Dollars160. LYD = Libya, Dinars161. CHF = Liechtenstein, Switzerland Francs162. LTL = Lithuania, Litai163. EUR = Luxembourg, Euro164. MOP = Macau, Patacas165. MKD = Macedonia, Denars166. MGA = Madagascar, Ariary167. EUR = Madeira Islands, Euro168. MWK = Malawi, Kwachas169. MYR = Malaysia, Ringgits170. MVR = Maldives (Maldive Islands), Rufiyaa171. XOF = Mali, Communaut Financire Africaine Francs (BCEAO)172. EUR = Malta, Euro173. MTL = Malta, Liri (expires 2008-Jan-31)174. FKP = Malvinas (Falkland Islands), Pounds175. USD = Mariana Islands (Northern), United States Dollars176. USD = Marshall Islands, United States Dollars177. EUR = Martinique, Euro178. MRO = Mauritania, Ouguiyas179. MUR = Mauritius, Rupees180. EUR = Mayotte, Euro181. AUD = McDonald Islands and Heard Island, Australia Dollars182. MXN = Mexico, Pesos183. USD = Micronesia (Federated States of), United States Dollars184. USD = Midway Islands, United States Dollars185. EUR = Miquelon and Saint Pierre, Euro186. MDL = Moldova, Lei187. EUR = Monaco, Euro188. MNT = Mongolia, Tugriks189. EUR = Montenegro, Euro190. XCD = Montserrat, East Caribbean Dollars191. MAD = Morocco, Dirhams192. MZN = Mozambique, Meticais193. MMK = Myanmar (Burma), Kyats194. NAD = Namibia, Dollars195. ZAR = Namibia, South Africa Rand196. AUD = Nauru, Australia Dollars197. NPR = Nepal, Rupees198. ANG = Netherlands Antilles, Guilders (also called Florins)199. EUR = Netherlands, Euro200. XCD = Nevis and Saint Kitts, East Caribbean Dollars201. XPF = New Caledonia, Comptoirs Franais du Pacifique Francs202. NZD = New Zealand, Dollars203. NIO = Nicaragua, Cordobas204. XOF = Niger, Communaut Financire Africaine Francs (BCEAO)205. NGN = Nigeria, Nairas206. NZD = Niue, New Zealand Dollars207. AUD = Norfolk Island, Australia Dollars208. USD = Northern Mariana Islands, United States Dollars209. NOK = Norway, Kroner210. OMR = Oman, Rials211. PKR = Pakistan, Rupees212. USD = Palau, United States Dollars213. XPD = Palladium, Ounces214. PAB = Panama, Balboa215. USD = Panama, United States Dollars216. PGK = Papua New Guinea, Kina217. PYG = Paraguay, Guarani218. PEN = Peru, Nuevos Soles219. PHP = Philippines, Pesos220. NZD = Pitcairn Islands, New Zealand Dollars221. XPT = Platinum, Ounces222. PLN = Poland, Zlotych223. EUR = Portugal, Euro224. STD = Principe and So Tome, Dobras225. USD = Puerto Rico, United States Dollars226. QAR = Qatar, Rials227. EUR = Runion, Euro228. RON = Romania, New Lei229. RUB = Russia, Rubles230. RWF = Rwanda, Francs231. STD = So Tome and Principe, Dobras232. ANG = Saba, Netherlands Antilles Guilders (also called Florins)233. MAD = Sahara (Western), Morocco Dirhams234. XCD = Saint Christopher, East Caribbean Dollars235. SHP = Saint Helena, Pounds236. XCD = Saint Kitts and Nevis, East Caribbean Dollars237. XCD = Saint Lucia, East Caribbean Dollars238. EUR = Saint Pierre and Miquelon, Euro239. XCD = Saint Vincent and The Grenadines, East Caribbean Dollars240. EUR = Saint-Martin, Euro241. USD = Samoa (American), United States Dollars242. WST = Samoa, Tala243. EUR = San Marino, Euro244. SAR = Saudi Arabia, Riyals245. SPL = Seborga, Luigini246. XOF = Senegal, Communaut Financire Africaine Francs (BCEAO)247. RSD = Serbia, Dinars248. SCR = Seychelles, Rupees249. SLL = Sierra Leone, Leones250. XAG = Silver, Ounces251. SGD = Singapore, Dollars252. ANG = Sint Eustatius, Netherlands Antilles Guilders (also called Florins)253. ANG = Sint Maarten, Netherlands Antilles Guilders (also called Florins)254. SKK = Slovakia, Koruny255. EUR = Slovenia, Euro256. SBD = Solomon Islands, Dollars