Kumvetsetsa akaunti yakubanki yamakono

Yemwe sanakhalepo ndi reflex kuti mutsegule akaunti yakubanki yapano pa chiyambi cha moyo ntchito? Komabe, pakati pa zopereka zosiyanasiyana kuchokera ku mabanki achikhalidwe kapena pa intaneti, momwe chiwongoladzanja chimagwirira ntchito, njira zolipirira zomwe zimaperekedwa, chilankhulo chaukadaulo cha alangizi ... chida ichi chodziwika bwino chimakhalabe chosadziwika kwa anthu onse!

Kudzera munkhaniyi yophunzitsa, tikukupemphani kuti mutsegule zinsinsi zonse za akaunti yaku banki yamakono. Tidzathana ndi kugwiritsidwa ntchito kwake kosiyanasiyana, ntchito zazikulu zomwe zitha kuchitika kumeneko komanso mtengo weniweni wautumiki wofunikirawu tsiku lililonse.

Chifukwa cha mafotokozedwe atsatanetsatane ndi malangizowa, mumvetsetsa chilichonse chokhudza momwe akauntiyi ikugwirira ntchito kuti mupindule nayo. Tsazikanani mawu akubanki, ndi moni kusunga ndalama podziwa ins ndi zotuluka za malonda anu oyambira kubanki nokha. Apa tikupita ku decryption yathu pang'onopang'ono!

🥀 Kodi akaunti yamakono ndi chiyani?

Les Maakaunti aku banki mafunde ndi otchuka kwambiri pakati pa makampani, makampani, makampani aboma, mabizinesi omwe nthawi zambiri amakhala ndi kuchuluka kwazomwe zimachitika ndi banki.

Itha kutsegulidwa m'mabanki ambiri azamalonda. Pokhala akaunti ya zero, nthawi zambiri imalumikizidwa ndi zochitika zazikulu pafupipafupi. Chifukwa cha kuchuluka kwa ma akaunti awa, sapeza chiwongola dzanja chilichonse. Izi nazonso nthawi zambiri zimakhala zopanda malire pa chiwerengero cha zochitika zomwe zingatheke.

Ndalama zitha kuikidwa ndikuchotsedwa pamenepo nthawi iliyonse popanda chidziwitso. Ndiwoyeneranso kulipira kwa ongongole pogwiritsa ntchito macheke. Macheke olandilidwa kuchokera kwa makasitomala akhoza kuikidwa muakauntiyi kuti atolere.

🥀 Mitundu yosiyanasiyana yamaakaunti apano

Wogula ali ndi chisankho pakati pa mitundu ingapo ya akaunti yakubanki. Zina mwa izo timapeza:

Maakaunti aku banki omwewo

Akaunti yakubanki ndiyomwe imagwiritsidwa ntchito kwambiri padziko lonse lapansi. Wolembetsedwa ndi mwini m'modzi, yemwe ayenera kukhala munthu wachilengedwe, akaunti yakubanki payekha imalola kasamalidwe kazachuma katsiku ndi tsiku ndi mwayi wopeza. Khadi la kubanki. Masiku ano ndizovuta kuchita popanda mtundu uwu wa akaunti yamakono, yofunikira pamoyo watsiku ndi tsiku.

Itha kutsegulidwa kuyambira ali ndi zaka 12, koma ana osaloledwa ayenera kutsagana ndi woyang'anira malamulo. Ana nthawi zambiri amakhala ndi khadi lakubanki lovomerezedwa mwadongosolo, zomwe zimawalepheretsa kuti asatengeke. Onani nkhaniyi pa maakaunti aku banki a ana.

Maakaunti apano

Akaunti yolumikizana imagwira ntchito mofanana ndi akaunti yakubanki ya munthu payekha, kupatula kuti ikhoza kuchitidwa ndi omwe ali nawo angapo. Nthawi zambiri, ndi mabanja omwe amakhala ndi akaunti yolumikizana. Akaunti yamtunduwu imapezekanso kwa abale awiri, abwenzi awiri, kholo ndi mwana ...

Akaunti yolumikizana imathanso kukhala ndi ma co-holder opitilira awiri, koma m'mabanki azikhalidwe. Mabanki apa intaneti nthawi zambiri amaletsa kulembetsa kwa eni awiri. Ngati pali ena opitilira awiri, akaunti yapano imatchedwanso akaunti yophatikiza. Imatchedwanso akaunti yolumikizana.

Maakaunti apano osagawika

Akaunti yapano yosagawanika ndi zofanana kwambiri ku akaunti yolumikizana yomwe ilipo, chifukwa imathanso kusungidwa ndi omwe ali nawo angapo. Kusiyana kwake ndikuti palibe mabanki, ngakhale kuchotsa kosavuta, komwe kungachitike popanda mgwirizano wa eni ake onse.

Njira yoletsa izi nthawi zambiri sagwiritsidwa ntchito ndi maanja, koma ndi gulu la anthu omwe akufuna, mwachitsanzo, kuyang'anira cholowa.

Maakaunti apano ogwirizana

Pomaliza, akaunti yapano yolumikizidwa ndi akaunti yoperekedwa kwa mabungwe ndi makampani. Iyi ndi akaunti yandalama momwe amasungiramo ndalama ndikuzipereka kukampani.

M'nkhaniyi, ndimalankhula makamaka za akaunti zamakono zoperekedwa kwa anthu. Ndikulankhula makamaka za maakaunti aku banki pawokha komanso maakaunti olumikizana.

🥀 Malipiro aakaunti apano

Kwa zaka zingapo tsopano, akaunti yamakono yakhala ikugwirizana ndi ndalama zomwe zikuchulukirachulukira ku banki. Sichaulere, kutali ... makamaka m'mabanki achikhalidwe. Akaunti yamakono imakhala ndi zolipira izi:

• Malipiro okonza akaunti
• Ndalama za kirediti kadi
• Ndalama zolipirira (agios, intervention Commission, makalata azidziwitso, ndalama zokanira mwachindunji, etc.)
• Ndalama zowonjezera, zokhudzana ndi zosankha zina (zochenjeza za SMS, cheke ku banki, kutulutsanso khadi la banki, kutulutsanso nambala yachinsinsi, inshuwaransi yolipira, ndi zina zambiri)

Kuti mutsegule akaunti yomwe ilipo yomwe ili pafupifupi yaulere, pemphani mwayi wa mabanki pa intaneti. Amakulolani kuti mupange akaunti yakubanki kuchokera pabedi lanu. Mwambiri, apa pali momwe mungachepetsere ndalama za banki zomwe zikupitilira kukula tsiku ndi tsiku.

🥀 Tsekani akaunti yamakono

Akaunti yamakono ikhoza kutsekedwa mwakufuna kwa banki kapena kasitomala:

Pa ntchito ya banki: banki ikhoza kutseka akaunti yakubanki popanda kudzilungamitsa. Komabe, iyenera kupereka chidziwitso cha miyezi iwiri kuti ipatse ogula nthawi yotsegula akaunti kwina.

Potengera kasitomala: wogula angathenso kutseka akaunti yake yakubanki kwaulere nthawi iliyonse imene akufuna. Zomwe ayenera kuchita ndi kutumiza kalata yolembetsa ndi kuvomereza kuti walandira, kulipira akaunti yake kuti ndalamazo zikhale zabwino ndikubwezera kapena kuwononga njira zake zolipirira.

🥀 Kusiyana pakati pa cheke ndi akaunti yosungira

Poyang'ana koyamba, akaunti yamakono ndi akaunti yosungira zingawoneke zofanana. Ndipo pazifukwa zomveka: onsewo ndi maakaunti aku banki omwe amakulolani kuyika ndalama zanu kubanki motetezeka kwathunthu. Koma kuseri kwa mawonekedwe awa wamba kubisa ntchito zosiyana kwambiri ndi ntchito.

Tiyeni tiyambe ndi akaunti yamakono. Monga dzina lake likusonyezera, cholinga chake ndi kuyang'anira ntchito zanu zamabanki zatsiku ndi tsiku: lembani zomwe mumapeza, perekani ma invoice anu, sonkhanitsani malipiro anu, ndi zina. Zowona, ndi akaunti yothandizira yomwe khadi yanu yaku banki imalumikizidwa kuti mulipirire zomwe mumawononga nthawi zonse.

Chifukwa chake, akaunti yapano idapangidwa kuti a ntchito transaction. Ndalama zomwe zimadutsamo nthawi zambiri sizipeza chiwongola dzanja ndipo zimatha kuchotsedwa nthawi iliyonse. Kupeza ndalama kosatha kumeneku kumapangitsa kuti ikhale akaunti yothandiza tsiku ndi tsiku, koma yosakhala bwino kwambiri pakukulitsa ndalama zomwe mwasunga.

Mosiyana ndi zimenezi, akaunti yosungiramo ndalama imapangidwira kuti muwonjezere ndalama. Ndalama zomwe zimayikidwa pamenepo zidzabweretsa chiwongola dzanja pang'onopang'ono, ngakhale chochepa, koma ndi ziro chiwopsezo komanso kupezeka kwanthawi yomweyo. Chinthu chapakati pakati pa chisa dzira ndi ndalama.

Zowona, akaunti yamtunduwu sinapangidwe kuti isungire malipiro anu kapena kulipira zinthu zomwe mumagula, ndi chilango cha ma komisheni akuluakulu. Kugwiritsiridwa ntchito kwake kumangokhalira kuika pambali gawo la ndalama zomwe munthu amapeza, ndi cholinga chomanga a matiresi osamala kapena kuchita ntchito yamtsogolo.

Monga tikuonera, kumene akaunti yamakono imapangidwira kayendetsedwe ka ntchito za tsiku ndi tsiku, akaunti yosungiramo ndalama imaperekedwa kuti imange ndalama zosungiramo ndalama. Zinthu ziwiri zamabanki zomwe zili ndi zolinga zosiyana kwambiri zomwe siziyenera kusokonezedwa!

Akagwiritsidwa ntchito pamodzi bwino, amakulolani kupindula ndi ubwino wa akaunti yamakono komanso chiwongoladzanja cha chiwongoladzanja pa akaunti yosungira. Synergy yabwino kuti muwongolere kasamalidwe kabanki.

🥀 Ubwino wokhala ndi akaunti yochezera

Kutsegula akaunti yamakono kubanki kumakhala ndi ubwino wambiri tsiku ndi tsiku. Kaya mukusamalira ndalama zanu kapena kulipira, akaunti yakubanki ndiyofunikira. Mwachidule za phindu la konkire lomwe mungasangalale nalo.

Choyamba, kukhala ndi akaunti yamakono kumakupatsani mwayi wopeza ndalama zomwe mumapeza: malipiro, malipiro, kupuma pantchito, ndi zina zotero. Ndalamazo zimafika mwachindunji mu akaunti yanu popanda kulowererapo mbali yanu. Iyi ndi njira zosavuta komanso zotetezeka kuti alandire ndalama zake.

ena ubwino wa kukula: akaunti yakubanki imakupatsani mwayi wopeza njira zonse zolipirira. Mutha kulipira ngongole zanu ndi kirediti kadi mwachindunji kapena kugula ndi kirediti kadi, pa intaneti kapena m'sitolo. Sipadzakhalanso kugwiritsa ntchito ndalama mowopsa!

Kuphatikiza apo, chifukwa cha khadi lanu laku banki ndi cheke chanu, mutha kuchotsa kapena kusunga ndalama 24/24 pa ATM. Kupezeka kosatha kumeneku ndikofunika pakachitika mwadzidzidzi.

Kumbali yoyang'anira, akaunti yanu yamakono imakupatsani mwayi wofufuza zomwe mumawononga komanso ndalama zomwe mumapeza chifukwa chatsatanetsatane watsatanetsatane wakubanki. Mwanjira iyi mumayang'anira bajeti yanu tsiku ndi tsiku. Ndipo pakagwa vuto, mlangizi wanu wa banki akhoza kukuthandizani.

Monga tikuonera, kukhala ndi akaunti yakubanki kumapangitsa kuti ndalama zanu zisamavutike kwambiri komanso zimakutetezani tsiku ndi tsiku. Pakati pa kutsatiridwa kwa magwiridwe antchito ndi ntchito zofananira, ndizovuta kuchita popanda izo!

🥀 Zoyipa zokhala ndi akaunti yochezera

Ngakhale kuli kofunika tsiku ndi tsiku, kukhala ndi akaunti yamakono kulinso ndi zovuta zina zomwe ziyenera kukumbukiridwa. Kumbuyo kwa kuphweka kwa akaunti ya banki palinso zopinga zina.

Choyamba, kukhala ndi akaunti yamakono sikuyenera konse mfulu kwathunthu. Kupitilira ndalama zochepa kuti mupitirizebe, mudzayenera kulipira ntchito zina zomwe mungasankhe komanso chindapusa chapachaka cha mayuro khumi ndi awiri. Mtengo wofunikira.

Choyipa china, data yanu yaku banki ndi malipiro anu ndi kutsatiridwa mpaka kalekale. Ngakhale izi zimapereka chitetezo, kutsatiridwa kosalekeza kumeneku kapena zochitika zitha kuwonedwa ngati kuwukira kwachinsinsi kwa ena.

Kumbali yothandiza ndiye, maola otsegulira ndi masiku omalizira a mabanki achikhalidwe nthawi zina amakhala oletsa. Kaya mukumane ndi mlangizi wanu kapena kuchita zinthu zina, a 100% mobile neo-bank adzapereka kusinthasintha kwambiri.

Komanso, zimachitika kuti luso malfunctions kuchititsa kusapezeka kwakanthawi ntchito banki: zolakwika khadi banki kapena ATM, mafoni ntchito pansi yokonza, etc. Zosokoneza kuti nthawi zonse kwambiri ndalama penalizing.

Pomaliza, mfundo yomaliza yoyipa ndi yakuti kuchulukitsa kwa mautumiki operekedwa ndi mabanki achikhalidwe nthawi zina kungapangitse zopereka zovuta kwambiri, zomwe zingawononge kuwonekera. Kuwerenga pakati pa mizere ya makontrakitala kumakhala kofunikira musanachite.

Monga tikuonera, kukhala ndi akaunti yamakono, monga momwe kuliri, kumaperekanso gawo la zovuta zomwe muyenera kukonzekera. Komabe, zabwino zake zimaposa makasitomala ambiri.

🥀Mafunso

Kodi akaunti yamakono ndi chiyani?

Akaunti yamakono ndi akaunti yakubanki yotsegulidwa ndi banki kuti ikusamalireni ndalama zomwe mumapeza tsiku lililonse, zomwe mumawononga, zolipirira komanso zochotsa. Ndi akaunti yamoyo yopangidwa kuti igwiritsidwe ntchito tsiku ndi tsiku.

Kodi akaunti yapano imalipira?

inde, nthawi zambiri mumayenera kulipira zina monga chindapusa cha akaunti, chindapusa cha makadi, chindapusa kapena makomisheni. Koma zimakhala zomveka, kuchokera ku 2-3 € pamwezi.

Kodi ndingachotsere akaunti yanga?

Inde ndizotheka. Mukatero mudzapindula ndi chilolezo cha overdraft, chomwe chili ndi ma euro mazana angapo, posinthanitsa ndi chindapusa ndi chiwongola dzanja pamtengo wofiyira.

Kodi ndimatsata bwanji zochitika pa akaunti yanga?

Mutha kuyang'ana ndalama zanu ndi zomwe mwachita mu nthawi yeniyeni kwaulere kudzera pa foni yam'manja ya banki yanu kapena malo a intaneti. Ndipo pepala kapena mawu apakompyuta amasindikizidwa kamodzi pamwezi.

Kodi kutseka akaunti ndikosavuta?

inde, kutseka kumachitika ndi pempho losavuta lolemba ku bungwe lanu. Ndalama zomwe zatsala ndi zomwe zachitika posachedwa zidzasamutsidwa ku banki yanu yatsopano ngati mutatsegula ina.

🥀 Kutseka

Pamapeto pa izi mwachidule, magwiridwe antchito aakaunti yapano sakhalanso ndi zinsinsi zilizonse kwa inu!

Tasanthula njira zake zosiyanasiyana zogwiritsira ntchito konkriti kuti muzitha kuyang'anira ndalama zanu, zomwe mumawononga, zolipirira ndi zochotsa tsiku lililonse. Tasanthula zikalata za banki ndi chilankhulo chaukadaulo cha alangizi mfundo ndi mfundo kuti tiwone bwino. Ndipo tawonanso zabwino ndi zovuta zazikulu za chipilala chakubanki ichi kuti tipindule ndi zabwino zake popanda zodabwitsa zosasangalatsa.

Tsopano mwakonzeka kutsegula akaunti yomwe muli nayo podziwa zowonadi kapena funsani mafunso oyenera kwa banki yanu kuti mukwaniritse zomwe muli nazo kale. Makhodi onse aku banki amaperekedwa pa tray kuti mutonthozedwe pazachuma!

Tsopano zili ndi inu kugula pakati pa zotsatsa zosiyanasiyana pamsika kuti mupeze njira yokongola kwambiri malinga ndi zosowa zanu. Kusunga kwakukulu!

Ndisiyeni maganizo anu mu ndemanga