Nā panakō pūnaewele: pehea lākou e hana ai?

Ua hoʻololi ka Internet i ka honua a i kēia manawa ua ʻike ʻia ka ʻoihana. Ma mua, paʻakikī a hiki ʻole paha ke pōmaikaʻi mai kahi lawelawe me ka haʻalele ʻole i ka ʻoluʻolu o kou wahi moe. Akā i kēia lā he mea maʻamau. Kokoke kēlā me kēia ʻoihana i kēia lā hāʻawi i nā lawelawe kūloko ma o ka Pūnaewele. I nā ʻoihana lawelawe e like me ka panakō, ʻoi aku ka ʻoi aku o ka ʻenehana e hana i kēia. ʻO kēia ke kumu i loaʻa ai iā mākou panakō pūnaewele i kēia manawa.

Hiki iā ʻoe ke kūʻai a kūʻai aku paha i kāu mau lawelawe mai kou wahi moe, kou wahi lawelawe, i ka pōkole ma nā wahi āu e noho ai. Ua hoʻomaopopo koke nā panakō i kēia. Aia mākou i ke au o ka panakō pūnaewele. Akā he aha ka panakō pūnaewele?

ʻOiai inā e hoʻi ka mōʻaukala o nā panakō pūnaewele i nā makahiki 1980, pono e ʻōlelo ʻia ua ʻike nā panakō pūnaewele i kā lākou oo ma lalo o 15 makahiki aku nei. Ua lilo lākou i mea nui loa. Maopopo iā ʻoe ke kumu ? ʻAʻole… Hāʻawi ka panakō pūnaewele iā ʻoe e hoʻokele i kāu waihona kālā ma luna o ka Pūnaewele me ka hoʻohana ʻana i ka lolouila a i ʻole ke kelepona paʻalima.

ʻAʻole pono e hele i kahi lālā panakō e hoʻokō i kāu mau hana. Hiki iā ʻoe ke hana i kāu panakō inā ʻoi aku ka maʻalahi iā ʻoe, me ma waho o nā hola panakō maʻamau. Ma kēia ʻatikala e kamaʻilio wau iā ʻoe e pili ana i nā panakō pūnaewele.

🌿 He aha ka waihona kālā pūnaewele?

He panakō pūnaewele he panakō e hiki ai iā ʻoe ke hoʻokele i kāu mau hana panakō a pau ma ka pūnaewele me ka hoʻohana ʻana i kāu kelepona a i ʻole kamepiula i pili i ka pūnaewele.

Me kēlā pēke, hiki iā ʻoe ke uku i nā bila, hoʻoili kālā, noi no kahi hōʻaiʻē, waiho i nā loiloi a hōʻoia i nā kālepa a nā koena moʻokāki o kāu moʻokākie.

ʻO kekahi o nā mea maikaʻi i loaʻa i nā panakō kuʻuna ma mua o nā panakō pūnaewele ʻo ia ka hiki ke huki kālā ma me ka hoʻohana ʻana i kahi ATM. Akā ʻo ka hoʻonui ʻana, hāʻawi pū nā panakō pūnaewele i ke komo ʻana i kahi pūnaewele o nā ATM me ka uku ʻole.

🌿 Pehea e hana ai nā panakō pūnaewele?

Hoʻolālā ʻia nā lawelawe panakō pūnaewele e ʻoi aku ka maʻalahi ma mua o nā panakō kuʻuna. Hāʻawi lākou iā ʻoe e mālama i ka manawa a me ka waihona kālā ma kāu papa manawa ponoʻī.

Hāʻawi ka waihona kālā pūnaewele iā ʻoe i nā lawelawe panakō kuʻuna, e hoʻomaka me ka wehe ʻana i kahi moʻokāki. Eia kekahi mau lawelawe i hāʻawi ʻia e nā panakō pūnaewele.

✔️ Ka wehe ʻana i nā moʻolelo

Hiki iā ʻoe ke wehe i ka nānā ʻana, mālama kālā a me nā ʻano moʻokāki ʻē aʻe ma ka pūnaewele. Hiki iā ʻoe ke hana i kēia me ka ʻole e paʻi a kaulima kino i kekahi mea.

Me ka hiki ʻana o ka pūlima uila, hiki i ke kaʻina holoʻokoʻa ke lawe i kēia manawa emi iho ma lalo o 10 mau minuke. He manawa kūpono wale nō e hoʻopiha ai i ka ʻike i makemake ʻia. Inā he mea kūʻai aku ʻoe i kahi ʻoihana kālā e hāʻawi ana i nā lawelawe panakō pūnaewele, hiki iā ʻoe ke hoʻopaʻa inoa no ke komo pūnaewele ma o ka pūnaewele o ia keʻena.

Eia nā mea e pono ai ʻoe e pōmaikaʻi mai nā lawelawe panakō pūnaewele:

Pono ʻoe i nā mea like koe wale nō ka helu waihona kālā e wehe i kahi moʻokāki me kahi panakō pūnaewele wale nō me ʻoe ʻaʻohe pilina pili. Hiki ke noi ʻia iā ʻoe no ka hōʻoia ʻike hou aku, e like me ka laikini kaʻa.

ʻO ka hoʻopaʻa inoa ʻana e pili ana i ka hoʻonohonoho ʻana i kahi leka uila (pinepine i kāu leka uila) a me kahi ʻōlelo huna. Ke pau kou hoʻopaʻa inoa ʻana, hiki iā ʻoe ke komo i kāu moʻokāki.

✔️ uku pila

Ma mua o ke kākau ʻana i nā kikoʻī e uku i nā bila, hiki i kāu panakō ke paʻi a hoʻouna i kahi leka no ʻoe. Akā no ka ʻoi aku ka maʻalahi, hiki nō hoʻi ke hoʻouna kālā i ka mea loaʻa ma ka uila. ʻOiai inā hoʻololi ka nui o kāu aie i kēlā me kēia mahina.

✔️Hoʻoili kālā

Inā pono ʻoe e hoʻololi i ke kālā mai kāu moʻokāki helu i kāu waihona mālama kālā a i ʻole i kahi palapala hōʻoia, hiki iā ʻoe ke hana i kēia nā hoʻoili i loko o ka panakō pūnaewele.

Hiki iā ʻoe ke loulou i kāu moʻokāki ma nā panakō like ʻole a i ʻole e hoʻouna kālā i kou ʻohana kokoke koke.

✔️ E noi i nā hōʻaiʻē

Me kāu waihona panakō pūnaewele hiki iā ʻoe ke pōmaikaʻi mai kahi hōʻaiʻē maʻamau. E hoʻopiha wale i kāu palapala noi pūnaewele i e wikiwiki i ke kaʻina hana hōʻoia ʻoluʻolu.  

ʻO kekahi mau mea lawelawe kālā e hāʻawi ana i nā noi hōʻaiʻē pūnaewele e hoʻolako kālā i ka lā hoʻokahi i ʻae ʻia kahi hōʻaiʻē. Hiki i nā mea hāʻawi kālā ʻē aʻe e hana holoʻokoʻa ma ka pūnaewele ke hoʻoholo i nā hoʻoholo hōʻaiʻē koke.

✔️ Waiho i nā kāke

Ke uku nei ʻoe ma ke kiko, ʻo ia maʻalahi e waiho i kēlā helu ma kāu moʻokāki. ʻO ka ʻoiaʻiʻo, inā he kelepona akamai kāu, e kiʻi wale i ka māka ma o ka polokalamu kelepona o kāu panakō a hoʻouna iā ia no ka uku. No laila ʻaʻole pono ke hoʻouna ʻia ma ka leka. He aha ka mea hou?

✔️ E nānā i kāu mōʻaukala kālepa

Me ka panakō pūnaewele hiki iā ʻoe ke nānā i kāu mōʻaukala. Hiki iā ʻoe ke ʻimi i nā kālepa ma ka manawa a me ke ʻano, e like me ka uku kāleka hōʻaiʻē.

✔️Noho ʻike

ʻO kekahi pōmaikaʻi nui o ka waihona kālā pūnaewele ʻo ia ka hiki ke hoʻonohonoho i nā makaʻala. Hiki iā ʻoe ke loaʻa he SMS a i ʻole leka uila ke ʻike kāu panakō i kahi neʻe. Hiki ke hoʻouna ʻia ka mākaʻikaʻi iā ʻoe inā ʻoi aku kāu koena ma lalo o kekahi huina. Hiki ke hoʻomaopopo ʻia ke loaʻa ke kālā i waiho ʻia a i ka wā i hoʻomaʻemaʻe ʻia ai kahi haki.

He maikaʻi kēia mau leka no ka ʻike. ʻOi aku, hiki iā lākou ke kōkua iā ʻoe e hooki koke i na hana karaima. I kēia manawa hiki iā ʻoe ke hoʻokaʻaʻike koke i kāu panakō a noi iā lākou e pale aku i ka mea kākau mai ka haʻalele ʻana i kāu moʻokāki.

🌿 ʻO ka panakō pūnaewele a i ʻole ka panakō kuʻuna: ʻo wai kahi e koho ai?

E like me kāu e hoʻomaopopo ai, ʻaʻohe hoihoi maoli i kēia lā i ka mālama ʻana i kahi waihona kālā ma kahi panakō kuʻuna. Inā ʻaʻole makemake ʻoe e hoʻomau i ka pilina kino me kāu mea panakō.

Loaʻa nā pōmaikaʻi nui e loaʻa mai ka hoʻohana ʻana i kahi panakō kahi āu e hoʻokele mua ai i kāu moʻokāki pūnaewele. Akā he mau mea maikaʻi nō nā panakō kuʻuna. Eia qkekahi mau pae hoʻohālikelike:

✔️ ʻO nā kumukūʻai maikaʻi loa

ʻO nā panakō pūnaewele wale nō e hāʻawi i kahi uku uku makahiki kiʻekiʻe ma kāu mau waihona. ʻO ke kumu i hāʻawi ʻia, ʻaʻole lākou e hoʻopili i luna e like me nā panakō kino a i ʻole nā ​​​​kuʻuna.

Eia naʻe, hiki i ka mahele pūnaewele o kekahi mau panakō kuʻuna ke hāʻawi i nā uku hoʻokūkū. Hāʻawi pū nā panakō pūnaewele i ka uku haʻahaʻa haʻahaʻa ma nā hōʻaiʻē.

No laila, e like me kēia criterion, he mea naʻauao ke kūʻai a puni a hoʻohālikelike i nā kumukūʻai ma ka pūnaewele a me nā kumukūʻai kuʻuna i mea e ʻike ai i ka koho maikaʻi loa. Akā, kokoke ʻoe ʻoi aku ka maikaʻi ma ka pūnaewele.

✔️ Panakō pūnaewele: lnā uku haʻahaʻa

ʻO nā panakō pūnaewele wale nō e uku i nā uku haʻahaʻa ma mua o nā panakō kuʻuna.

Hele pū kēia ʻano hana, ʻoi aku ka uku o nā panakō kuʻuna ma nā hōʻaiʻē. ʻO kaʻoiaʻiʻo, ʻaʻole lākou e uku i nā uku no kekahi mau lawelawe a i ʻole no ka mālama ʻole ʻana i kahi kaulike haʻahaʻa haʻahaʻa.

✔️ Ka palena o nā hana i loko o ke kanaka

ʻOiai e hāʻawi ana i ka hiki ke waiho i nā loiloi ma o ka waihona kelepona a i ʻole e hoʻihoʻi kālā ma o nā ATM pili, ʻAʻole maʻalahi ka waihona kālā pūnaewele inā e hana pinepine ʻoe i nā waihona nui a i ʻole ka huki ʻana a pono e hana pēlā ma o ka mīkini panakō.

Loaʻa i kekahi mau panakō ka palena o ka waihona kālā kelepona i kēlā me kēia lā a koi iā ʻoe e kipa i kahi ATM. He mea paʻakikī paha kēia inā ʻaʻole i loaʻa i kāu panakō kahi pūnaewele nui o nā ATM manuahi a i ʻole kahi lālā kokoke.

ʻO ka hapa nui o nā panakō e kau i nā palena i kēlā me kēia lā i ka nui āu e hiki ai ke haʻalele mai nā ATM.

Inā makemake ʻoe i ke kālā hou aʻe a ʻaʻole hiki iā ʻoe ke hōʻoiaʻiʻo i kāu panakō e hoʻonui i ka palena, pono ʻoe e noi i kahi kālā mua i ke kino, ʻaʻole hiki iā ʻoe ke hana inā ʻaʻole hiki iā ʻoe ke hele i kahi lālā.

Hiki i nā panakō kuʻuna ke hāʻawi aku i nā lawelawe notari, nā pahu waihona palekana a me nā loiloi panakō. ʻAʻole hiki i nā panakō pūnaewele.

✔️ Nā pilikia pili ʻenehana

Inā ʻaʻole ʻoe ʻoluʻolu me ka ʻenehana, hiki ke hele mai ka panakō pūnaewele me kahi pihi aʻo kiʻekiʻe. Eia kekahi, ke kū nei nā pilikia. Inā kāu kamepiula a kelepona paha - a i ʻole ka ʻōnaehana o ka panakō - ua haki, hiki paha iā ʻoe ke hoʻopanee i kahi kūʻai wikiwiki.

No nā kūlana paʻakikī e like me nā pilikia lawelawe mea kūʻai aku, hiki iā ʻoe ke pōmaikaʻi mai kahi hālāwai alo a he alo ma kahi panakō kuʻuna.

✔️ Nā hopohopo palekana

Ma nā ʻano he nui, ʻoi aku ka palekana o ka waihona kālā ma mua o ka panakō kuʻuna. ʻO ka waiho pololei ʻana i kāu uku i kāu waihona panakō e hoʻopau i ka pilikia o ka ʻaihue ʻana o kekahi i kāu leka ma ka leka uila.

Eia kekahi, ʻaʻohe mea hiki ke kope i kāu ʻike moʻokāki mai nā loiloi āu e hoʻouna ai. Hoʻouna nā kamepiula panakō i kēia ʻike me ka palekana, me ka mālama ʻole.

Inā he hoʻopunipuni a hewa paha i ka hoʻoili kālā uila, mālama pinepine ke kānāwai iā ʻoe e hana koke oe.

🌿 ʻO nā panakō pūnaewele maikaʻi loa

ʻO ke koho ʻana i ka panakō pūnaewele maikaʻi loa e hilinaʻi pinepine i nā pono kikoʻī o kēlā me kēia kanaka. Eia nō naʻe, ʻike maikaʻi ʻia kekahi mau waihona pūnaewele no kā lākou lawelawe, hiki ke komo a me nā uku hoʻokūkū.

E ʻoluʻolu e loli paha ka ʻike, ʻōlelo mau ʻia e nānā i nā kūlana o kēia manawa ma mua o ka hoʻoholo ʻana. Eia nā kikoʻī hou aku e pili ana i kekahi o nā panakō pūnaewele maikaʻi loa

⛳️ Pākē Boursorama

ʻO Boursorama Banque kekahi o nā waihona pūnaewele kaulana loa ma Farani, e hāʻawi ana i kahi ʻano piha ʻoihana panakō a me nā lawelawe kālā. He lālā paʻa ia o Société Générale, kekahi o nā panakō Farani nui loa. Hāʻawi kēia hui i ka paʻa kālā i ka waihona kālā pūnaewele.

Hāʻawi ʻo Boursorama Banque i kahi moʻokāki o kēia manawa a me nā huahana mālama kālā me he kāleka panakō manuahi, me ka ʻole o ka uku mālama moʻokāki. Hāʻawi ka moʻokāki o kēia manawa i nā hiʻohiʻona hou, e like me ka hoʻokele pūnaewele, ka hiki ke hana i nā hoʻololi a me nā hoʻopiʻi pololei, a me nā mea hana hoʻokele kālā.

Hāʻawi pū ʻo Boursorama Banque i nā lawelawe mākeke kūʻai me ke komo ʻana he kahua kalepa. Hiki i nā mea kūʻai ke hoʻokomo i ka mākeke kūʻai, kūʻai a kūʻai aku i nā waiwai, a komo i ka ʻike kālā. Hāʻawi pinepine ʻia ke kāleka kāleka Visa Premier me ka manuahi i nā mea kūʻai aku e hoʻokō i kekahi mau koi, ʻo ia ka mea maʻamau ka loaʻa kālā liʻiliʻi o kēlā me kēia mahina.

Hāʻawi ia i kahi lawelawe mea kūʻai aku a me kahi polokalamu kelepona paʻalima ka mea e hiki ai i nā mea kūʻai ke hoʻokele i kā lākou mau moʻokāki, ka nānā ʻana i kā lākou hoʻolimalima, a komo i kā lākou lawelawe panakō i kēlā me kēia manawa. Kū ia no kāna mau uku hoʻokūkū, ʻo ia hoʻi ka nele o nā uku mālama moʻokāki a me nā uku kūpono no nā kālepa o kēia manawa.

⛳️ ING

ʻO ING, i kapa ʻia ʻo ING Direct, ua hoʻokumu paʻa iā ia iho ma ke ʻano he panakō pūnaewele honua, e hana ana ma kekahi mau ʻāina a puni ka honua. Hoʻokumu ʻia kāna kumu hoʻohālike i ka hāʻawi ʻana i nā lawelawe panakō mamao, e hoʻopau ana i ka pono o nā lālā kino.

Hāʻawi ia i nā huahana mālama kālā a me kahi moʻokāki o kēia manawa me ka ʻole o ka uku mālama moʻokāki, i hui pū ʻia me kahi kāleka panakō manuahi. Aia kēia hāʻawi i nā hiʻohiʻona holoʻokoʻa, e ʻae ana i nā mea kūʻai aku e hoʻokō i nā hana o kēlā me kēia lā ma ka pūnaewele me ka maʻalahi.

Hāʻawi ʻo ING i nā hōʻaiʻē a me nā hōʻaiʻē, e uhi ana i nā pono like ʻole e like me ka hōʻaiʻē waiwai, nā hōʻaiʻē pilikino, a me ka hōʻaiʻē mea kūʻai. Hāʻawi kēia i nā mea kūʻai aku e komo i nā koho kālā maʻalahi.

No ka poʻe makemake i ka hoʻokomo kālā ʻana i ka mākeke kūʻai, hāʻawi ʻo ING nā lawelawe kūʻai waiwai piha. Hiki i nā mea kūʻai ke hoʻohana i nā kahua kālepa pūnaewele e hoʻokele i kā lākou mau portfolios a hoʻopukapuka ma ke ʻano ʻike.

⛳️ Aloha Bank

Hāʻawi ʻo Hello Bank i nā moʻolelo o kēia manawa me nā hiʻohiʻona e like me ka hoʻololi ʻana, nā debit pololei, nā uku a me nā ʻōlelo ma ka pūnaewele moʻokāki pūnaewele. Hiki iā ʻoe ke wehe i nā waihona mālama kālā me Hello Bank, me nā waihona mālama kālā maʻamau, nā moʻokāki wā a me nā waihona mālama keiki. Hāʻawi kēia mau moʻokāki i nā uku panee hoʻokūkū.

Hāʻawi ʻo Hello Bank i kahi ʻano kāleka hōʻaiʻē e kūpono i nā pono like ʻole, me nā pōmaikaʻi e like me nā polokalamu kūpaʻa, ʻinikua a me hale uku. Hiki iā ʻoe ke noi no nā hōʻaiʻē pilikino a i ʻole nā ​​​​loina home mai Hello Bank, me nā ʻōlelo hoʻokūkū a me nā uku.

Hāʻawi ʻo Hello Bank iā ʻoe i kahi kahua pūnaewele pili i ka mea hoʻohana kahi e hiki ai iā ʻoe ke hoʻokele i kāu mau moʻokāki, hoʻokō i nā kālepa, nīnau i kāu heluhelu a hoʻokaʻaʻike i ka lawelawe mea kūʻai aku.

⛳️ Kipi

ʻO Revolut he panakō pūnaewele e hāʻawi ana i nā lawelawe panakō hou e like me nā moʻokāki o kēia manawa, nā kāleka hōʻaiʻē, nā hoʻoili kālā kālā honua a me nā hoʻololi kālā.

Me Revolut, hiki iā ʻoe ke hana ma ka pūnaewele a i ʻole ma o ka polokalamu kelepona, e hoʻolilo iā ia i koho kūpono no ka poʻe hele pinepine a pono e hoʻoili kālā i waho.

Hāʻawi ʻo Revolut i nā moʻokāki manuahi me nā hiʻohiʻona e like me ka hoʻoili ʻana, nā hōʻaiʻē pololei a me nā uku pūnaewele. Hāʻawi ia i nā kāleka kāleka Mastercard a i ʻole Visa me nā pōmaikaʻi e like me nā papahana kūpaʻa, ʻinikua a me nā mea uku.

Hiki iā ʻoe ke hoʻouna i ke kālā i waho ma nā kumukūʻai hoʻokūkū hoʻokūkū me Revolut. Kākoʻo ka paepae ʻoi aku ma mua o 30 mau kālā. Hāʻawi ʻo Revolut iā ʻoe e hoʻololi i nā kālā i nā kumukūʻai kūʻai nui, me ka ʻole o nā uku huna.

🌿 Nā pae hoʻohālikelike waihona waihona pūnaewele

I ka hoʻohālikelike ʻana i nā panakō pūnaewele, he mea nui e noʻonoʻo i kekahi mau koi e koho i ka mea kūpono loa i kāu pono. Eia kekahi o nā mea nui e noʻonoʻo ai:

⛳️ Nā uku panakō, kahi kumu nui o ka ʻokoʻa

ʻO ka pono nui o kahi panakō pūnaewele he haʻahaʻa haʻahaʻa i hoʻohālikelike ʻia me kahi hoʻokumu kuʻuna. E nānā kākou i nā panakō i ʻoi aku ka maikaʻi me kā lākou papahana uku uku. 💳

Bank	Uku mālama moʻokāki	Kāleka Kāleka	Uku hoololi SEPA
✨ Boursorama	noa	Kauka	noa
✨I	noa	Kauka	noa
✨ Aloha panakō!	noa	Kauka	noa
✨ Panakō ʻAlani	noa	Kauka	noa
✨ Kipi	noa (Ua uku ʻia)	Kauka (metala i uku ʻia)	noa
✨ N26	noa (Ua uku ʻia)	Kauka	noa

Ma nā uku moʻokāki o kēia manawa, kū ʻo Boursorama, ING, Hello Bank a me Orange Bank me ka uku manuahi. E ʻoluʻolu e hoʻomaopopo i ka uku ʻana o kekahi mau panakō i kēia mau uku ma mua o a kekahi paepae waihona.

Ma ka ʻaoʻao kāleka hōʻaiʻē, hāʻawi ka hapa nui he kāleka kūʻokoʻa me ka hōʻaiʻē koke, me nā koho uku no ke kāleka uku. No nā uku kāleka ma waho, e hoʻomanaʻo e nānā i nā uku.

ʻO ka hope loa ka ʻO ka hoʻoili ʻana o SEPA i nā euro he manuahi maʻamau. Ke uku nei kekahi mau hale hana no ka hoʻoili koke ʻana a me ka hoʻoili ʻole o SEPA.

⛳️ Nā lawelawe panakō piha a me kēia manawa

Hāʻawi nā panakō pūnaewele maikaʻi loa i kahi ʻano lawelawe piha loa, hiki ke loaʻa ma ka pūnaewele a me ka mobile. ✅ E ʻike kākou i nā hiʻohiʻona nui i hāʻawi ʻia.

Bank	Hooponopono mooolelo	Kāleka panakō	Nā manaʻo	Hoʻopakele	Bona	ʻInikua
Boursorama	✅	✅	✅	✅	✅	✅
ING	✅	✅	✅	✅	✅	✅
Aloha panakō!	✅	✅	✅	✅	✅	✅
ʻO Bank Bank	✅	✅	✅	✅	✅	✅
ʻO Revolut	✅	✅	❌	✅	❌	❌
N26	✅	✅	❌	✅	❌	❌

ʻO ka mea kupanaha, ʻokoʻa ʻia ʻo Boursorama a me ING e kahi ʻāpana piha e uhi ana i nā lawelawe waihona kuʻuna āpau. Hoʻolako maikaʻi ʻia ʻo Hello Bank a me Orange Bank.

Loaʻa iā Revolut a me N26 kahi hāʻawi palena liʻiliʻi, e kālele ana i nā waihona kālā a me nā kāleka. ʻAʻole loaʻa a hōʻemi ʻia nā lawelawe mālama kālā, hōʻaiʻē a ʻinikua. Ma ke ʻano o nā mea hana hoʻokele, hāʻawi kēia mau panakō āpau i nā interface hou a me ergonomic, me nā polokalamu kelepona maikaʻi. Aia ka maikaʻi kikohoʻe.

⛳️ Nā kūlana kūpono like ʻole e pili ana i ka panakō

Ma mua o ka hana ʻana, e hoʻomanaʻo e nānā i nā kūlana kūpono o ka panakō pūnaewele āu e makemake ai. ✅ He ʻokoʻa paha ke kumu. ʻO Boursorama, ING a me Hello Bank ke kau wale nei he mau makahiki kūpono a he kanaka ʻauhau Farani. Ua noi ʻo Orange Bank e lilo i mea kūʻai kelepona ʻo Orange.

ma ʻO Revolut a me N26, ua mālama ʻia ka wehe ʻana no nā kamaʻāina ʻEulopa makua. E ʻoluʻolu, e hoʻokau ʻo Revolut i kēia manawa ka liʻiliʻi loa o ka makahiki he €24.

Ma waho aʻe o nā kūlana i hoʻopili ʻia i kāu ʻaoʻao, hoʻopaʻa pū kekahi mau ʻoihana i ka helu o nā moʻolelo hiki i kēlā me kēia kanaka. No laila, palena ʻo Boursorama i 2 mau moʻokāki no kēlā me kēia kanaka, ʻoiai ʻo N26 i kaupalena ʻia i 1 helu hoʻokahi.

⛳️ ʻO wai ka panakō e koho ai no kahi moʻokāki hui a i ʻole kahi moʻokāki pro?

Makemake ʻoe i kahi moʻokāki hui e mālama pū ai i kāu kālā? A i ʻole he moʻokāki ʻoihana i hoʻolaʻa ʻia i kāu hana? Eia hou, ʻaʻole i hana like nā panakō pūnaewele āpau. 👥👨‍💼

No ka mooolelo hui, Hāʻawi ʻo Boursorama, ING a me Hello Bank i ke koho palena ʻole. ʻAe ʻo Revolut iā ia, no ke kau inoa uku. Ua hōʻole ʻo Orange Bank, N26 a me Nickel i ka wehe ʻana i nā moʻokāki hui.

Ma ka aoao oihana, Ua kūpono loa ʻo Boursorama me kāna hāʻawi kālā ʻoihana. Hāʻawi ʻo ING iā ING Pro me nā uku kūpono. A i ʻole, pono e noʻonoʻo ʻia nā fintech e like me Qonto a i ʻole Manager One.

⛳️ He aha ka ʻinikua a me ka pale no ke ʻano o ka uku?

Inā loaʻa kahi pilikia, he mea hōʻoluʻolu ia e pōmaikaʻi mai ka ʻinikua paʻa a me nā hōʻoia i kāu ʻano uku. 🔒 Pehea e pili ana i nā panakō pūnaewele?

Hāʻawi ka hapa nui o nā ʻoihana i ka ʻinikua maʻamau:

• Palekana o ka uku
• Hōʻoiaʻiʻo kūʻai pūnaewele
• Hoʻihoʻi ulia pōpilikia inā nalowale ke kāleka
• ʻInikua huakaʻi

E nānā i nā kaupaku uhi e hōʻoia i ka pale pono. Ma ke kuleana i ka wā o kahi kālepa hoʻopunipuni, hoʻopaʻa maʻamau ke kānāwai i ka mea kūʻai aku ma €50. Kūlana ʻo Revolut me kuleana ʻole.

🌿 He aha ka loaʻa no ka lawelawe ʻana i ka waihona kālā ma hope o ke kūʻai aku?

ʻOiai ʻo ka helu helu ʻana, he mea hōʻoluʻolu e hiki ke hele maʻalahi i kāu kākāʻōlelo inā pono. 🤝 E ʻike kākou i ka hiki o ka lawelawe ma hope o ke kūʻai aku alakaʻi i nā panakō pūnaewele.

Hāʻawi ʻo Boursorama, ING a me nā panakō i kahi ʻoihana kino i ka lawelawe mea kūʻai aku: kelepona, kamaʻilio, ʻoihana pūnaewele. Ke nānā aku nei ʻo Revolut a me N26 kākoʻo pūnaewele. ʻOi aku ka lōʻihi o nā manawa pane i nā wā paʻahana. E kakali i kāu mau noi.

I kēlā me kēia hihia, inā pilikia kahi lawelawe ʻO ka liʻiliʻi loa i hoʻopaʻa ʻia i nā lā 7 o ka pule, 7 mau hola i ka lā, no ka pale ʻana i ke kāleka no ka laʻana.

🚀Ka panakō pūnaewele VS ka panakō kuʻuna

He ʻokoʻa koʻikoʻi nā panakō pūnaewele a me nā panakō kuʻuna i ke ʻano o kā lākou hana a me nā lawelawe a lākou e hāʻawi ai. Eia kekahi mau ʻokoʻa nui ma waena o nā ʻano panakō ʻelua.

koina

Loaʻa i nā panakō pūnaewele nā ​​uku haʻahaʻa no nā lawelawe waihona kālā, e like me ka nānā ʻana i nā moʻokāki a me nā kāleka hōʻaiʻē. ʻO kēia no ka mea ʻaʻohe o lākou koina e pili ana i ka mālama ʻana i kahi pūnaewele o nā lālā kino, e like me hoʻolimalima, nā limahana a me nā koina mālama.

accessibility

Loaʻa nā panakō pūnaewele 24 hola o ka lā, 24 lā o ka pule, ʻoi aku ka maʻalahi o lākou ma mua o nā panakō kuʻuna i kaupalena ʻia nā hola wehe. Hoʻohui ʻia, ʻae nā lawelawe pūnaewele i nā mea kūʻai aku e hoʻokele i kā lākou waihona kālā mai kēlā me kēia wahi, me ka ʻole e kipa aku i kahi lālā kino.

Services

Hāʻawi pinepine nā panakō pūnaewele i nā lawelawe hou a maʻalahi ma mua o nā panakō kuʻuna, e like me ka hoʻokele moʻokāki ma o ka polokalamu kelepona, nā hoʻoili kālā haʻahaʻa haʻahaʻa honua, a me nā kāleka hōʻaiʻē me nā papahana kūpaʻa.

Eia naʻe, ke hoʻomaka nei kekahi mau panakō kuʻuna e hāʻawi i nā lawelawe pūnaewele e hoʻokūkū me nā panakō pūnaewele.

Pilina mea kūʻai

Loaʻa i nā panakō kuʻuna kahi pilina pilikino pilikino, me nā ʻōlelo aʻoaʻo i loaʻa i nā lālā e pane i nā nīnau a hāʻawi i ka ʻōlelo aʻo kālā.

Hiki i nā panakō pūnaewele ke hāʻawi aku i ka lawelawe mea kūʻai aku ma ke kelepona a i ʻole ke kamaʻilio ola ʻana, akā ʻaʻole like paha kēia e like me ka lawelawe mea kūʻai aku.

maluhia

Manaʻo pinepine ʻia nā panakō pūnaewele e like me nā panakō kuʻuna no ka mea hoʻohana lākou i nā ʻenehana holomua e pale i ka ʻikepili a me nā kālepa.

Eia nō naʻe, makemake paha kekahi mau mea kūʻai aku i ka palekana hoʻohui i hāʻawi ʻia e kahi lālā kino i ka wā e hoʻokō ai i nā kālepa panakō koʻikoʻi.

ʻO ka mea hope loa, ʻo ke koho ʻana ma waena o kahi panakō pūnaewele a me kahi panakō kuʻuna e iho i lalo i kāu makemake pilikino a me nā pono panakō kikoʻī. He mea nui e hoʻohālikelike i nā hāʻawi a me nā kumukūʻai o nā koho like ʻole ma mua o ka hoʻoholo ʻana.

🌿 Hōʻuluʻulu manaʻo…

Ua hoʻololi nā panakō pūnaewele i ka ʻoihana panakō ma o ka hāʻawi ʻana i nā lawelawe kūpono, hiki ke loaʻa i nā mea a pau. Hoʻohana lākou ma o nā ʻenehana kikohoʻe hou e hiki ai i nā mea kūʻai ke hoʻokele i kā lākou mau moʻokāki, hana i nā kālepa a komo i kahi ʻano o nā lawelawe panakō, nā mea āpau mai ka ʻoluʻolu o ka home a i ʻole ka neʻe.

Me nā uku haʻahaʻa, nā lawelawe maʻalahi a me 24/24 hiki ke komo, Ua hiki i nā panakō pūnaewele ke huki i nā mea kūʻai aku e ʻimi ana i kahi ʻokoʻa i nā panakō kuʻuna. Hiki i nā mea kūʻai ke wehe i nā moʻokāki o kēia manawa, mālama, loaʻa nā hōʻaiʻē a hana i nā hoʻoili kālā kālā honua me nā kaomi liʻiliʻi.

La sécurité He mea koʻikoʻi ia no nā panakō pūnaewele, e hoʻohana ana i nā ʻenehana holomua e pale i ka ʻikepili o kā lākou mea kūʻai aku a me nā kālepa. Eia kekahi, ʻo ka hapa nui o nā panakō pūnaewele e hāʻawi i ka lawelawe mea kūʻai aku ma o ke kelepona, kamaʻilio ola, a i ʻole leka uila e pane i nā nīnau a hoʻoholo koke i nā pilikia.

NPP

Nīnau: He aha ka waihona kālā pūnaewele?

A: ʻO kahi panakō pūnaewele he ʻoihana kālā e hāʻawi ana i nā lawelawe panakō ma o nā paepae kikohoʻe e like me nā pūnaewele a me nā noi kelepona, me ka loaʻa ʻole o ke kino ma ke ʻano o nā lālā kino.

Nīnau: Ua palekana nā panakō pūnaewele?

A: ʻAe, Hoʻokō nā panakō pūnaewele i nā hana palekana holomua e pale i ka ʻikepili a me nā kālepa o kā lākou mea kūʻai. Hoʻopili kēia i ka hoʻohana ʻana i ka encryption, ʻelua-factor authentication a me nā protocol palekana koʻikoʻi.

Nīnau: Pehea e hiki ai iaʻu ke hoʻopili i ka lawelawe mea kūʻai aku ma kahi panakō pūnaewele?

A: Hāʻawi nā panakō pūnaewele i nā koho he nui no ka hoʻopili ʻana i kā lākou lawelawe mea kūʻai aku, e like me ke kelepona ʻana, nā kamaʻilio ola ma kā lākou pūnaewele a i ʻole ka polokalamu kelepona, a i ʻole ma ka leka uila. Loaʻa pinepine ʻia nā kikoʻī pili i ka mea kūʻai aku ma ka pūnaewele o ka panakō.

Nīnau: Hiki iaʻu ke hana kālā me kahi panakō pūnaewele?

A: ʻAʻohe lālā kino ka hapa nui o nā panakō pūnaewele e hoʻokō i nā kālepa kālā. Eia nō naʻe, ua hui pū kekahi mau panakō pūnaewele me nā mīkini hōʻaiʻē automated (ATM) e ʻae i nā mea kūʻai aku e huki kālā.

Nīnau: He aha nā mea maikaʻi o nā panakō pūnaewele i hoʻohālikelike ʻia me nā panakō kuʻuna?

A: Loaʻa i nā pōmaikaʻi o ka waihona kālā pūnaewele nā ​​uku haʻahaʻa maʻamau, hiki ke komo i ka 24/24, nā lawelawe hou e like me ka hoʻoili kālā kālā haʻahaʻa haʻahaʻa, a me ka ʻike mea hoʻohana maʻalahi ma o nā paepae kikohoʻe.

Nīnau: Hiki iaʻu ke loaʻa kahi hōʻaiʻē home me kahi panakō pūnaewele?

A: ʻAe, hāʻawi kekahi mau panakō pūnaewele i nā hōʻaiʻē home. Eia nō naʻe, ʻokoʻa paha nā koina kūpono a me nā kūlana mai kēlā me kēia panakō, no laila makemake ʻia e nānā i nā makana kikoʻī o kēlā me kēia panakō.

Nīnau: Pehea wau e hana ai i nā waihona i kahi panakō pūnaewele?

A: Hāʻawi pinepine nā panakō pūnaewele i nā koho he nui no ka waiho ʻana i nā waihona, me nā hoʻoili uea mai kahi waihona panakō ʻē aʻe, e nānā i nā waihona ma o ka polokalamu kelepona, a i ʻole nā ​​leka leka.

Nīnau: Hāʻawi nā panakō pūnaewele i nā lawelawe ʻoihana?

A: ʻAe, hāʻawi pū kekahi mau panakō pūnaewele i nā lawelawe panakō pāʻoihana, e like me nā moʻokāki ʻoihana, nā hāʻina uku no nā mea kālepa, a me nā lawelawe kālā i kūpono i nā pono ʻoihana.

Ke uku nei nā panakō pūnaewele? Aia kekahi mau uku huna?

Loaʻa pinepine lākou i ka manuahi a i ʻole me ka liʻiliʻi o nā uku mahina, ʻoi aku ka haʻahaʻa ma mua o nā panakō maʻamau. A ʻaʻohe uku huna: hōʻike maopopo ʻia nā mea a pau.

He aha nā mea maikaʻi o nā panakō pūnaewele i hoʻohālikelike ʻia me nā panakō kuʻuna?

ʻO nā pōmaikaʻi nui nā kumukūʻai maikaʻi, 24/24 hiki ke loaʻa ma o ka digital, ka maʻalahi o ka wehe ʻana i ka moʻokāki ma kekahi mau kaomi a nā kikowaena ergonomic loa.

He aha nā hemahema o ka waihona kālā pūnaewele?

ʻO ka hemahema nui ka nele o nā keʻena kino a me ke kākāʻōlelo i koho ʻia. He mamao wale nō ka lawelawe ʻana o nā mea kūʻai aku, e hōʻoluʻolu paha i nā mea kūʻai aku e ʻimi nei i ka pilina kanaka.

Pono au e koho ma waena o 100% pūnaewele a me 100% ʻoihana?

ai ', hui kekahi mau panakō hybrid i nā lālā kino a me nā lawelawe pūnaewele. ʻAe kēia iā ʻoe e hoʻohana i nā mea ʻelua no ka maʻalahi. E nānā inā kūpono kēia kŘkohu iā ʻoe.

E waiho iā mākou i kahi manaʻo