Kodi transfer bank ndi chiyani?

Kusintha kwa bankie ndi mawu omwe amagwiritsidwa ntchito pofotokoza kusamutsa ndalama kuchokera ku akaunti yakubanki kupita ku akaunti ina. Kaya ndi dziko kapena mayiko. Kutumiza kubanki kupita kubanki kumalola ogula kusamutsa ndalama pakompyuta. Zili pano digito ya gawo la banki.

Makamaka, amakulolani kusamutsa ndalama kuchokera ku akaunti yokhala ndi banki kupita ku akaunti ndi bungwe lina. Ngati simunagwiritsepo ntchito ntchitoyi, zitha kuwoneka ngati zosokoneza.

Ngati mukufuna thandizo kuti mumvetsetse momwe zimagwirira ntchito, Izi ndi zomwe muyenera kudziwa zokhudza kusamutsidwa kwa banki. Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

🥀 Mfundo zoyambirira kusamutsidwa

Mabanki ambiri apamwamba amachititsa kuti makasitomala awo asamutsire ndalama mosavuta. Ngakhale utumiki uwu ndi nthawi zambiri mfulu, ndi bwino kutsimikizira izi musanayambe kusamutsa.

Malamulo okhudza kuchuluka kwa ndalama zomwe mungasamutse nthawi imodzi amatha kusiyanasiyana malinga ndi banki yanu. Koma kawirikawiri, aliyense amene akufuna kusamutsa ndalama akhoza kutero kudzera pa kompyuta kapena foni yam'manja. Mukangotumiza kutumiza pa waya, akaunti yanu yaku banki ina ikhoza kulandira ndalamazo pakadutsa masiku angapo.

Kumbukirani kuti kusamutsa kubanki kupita kubanki kumangolola anthu kusinthanitsa ndalama pakati pawo kuyang'ana maakaunti maakaunti awo ndi ndalama zawo. Ngati mukufuna kutumiza ndalama kwa munthu wina, muyenera kudziwa ngati banki yanu imapereka chithandizochi.

Kusintha kwa banki kungatanthauze zinthu zosiyana pang'ono kutengera zinthu zina zambiri. Mwachidule, mawuwa angagwiritsidwe ntchito kutanthauza chimodzi mwazinthu ziwiri zosiyana:

• Kutumiza ndalama kudziko, kumene ndalama zimatumizidwa kuchokera ku akaunti yakubanki kupita ku ina m’dziko lomwelo;
• Kutumiza ndalama padziko lonse lapansi kutumiza ndalama kuchokera ku akaunti yakubanki kupita ku ina m'dziko lina, nthawi zambiri zimakhala zosinthana ndi ndalama.

🥀 Kusintha kwa mabanki: mayiko motsutsana ndi dziko lonse

Kusamutsidwa kwa banki yakunyumba kumapita ndi mayina angapo. Ku United States, mwachitsanzo, kusamutsidwa kwamtunduwu kumafanana ndi kusamutsidwa kwa ACH, pomwe ku United Kingdom kumadziwika kuti. CHAPS kusamutsidwa.

Mkati mwa EU, kusamutsidwa kubanki kumatchedwa kulipira kwa SEPA, pomwe ku Canada kumatchedwa Interac e-Transfers. Kusamutsidwa kwa banki yakunyumba kumadziwika ndi mabanki omwe amagwiritsa ntchito netiweki yapadziko lonse lapansi kutumiza ndalama kuchokera ku akaunti yakubanki yakuderalo kupita ku ina.

Pankhani ya kusamutsidwa kumayiko ena, kumbali ina, kusamutsidwa kwa banki nthawi zambiri kumakhala kofanana ndi kutumiza kudzera pawaya. Pankhaniyi, mabanki padziko lonse lapansi amatumiza ndalama kumaakaunti awo pogwiritsa ntchito njira yolumikizirana yapadziko lonse lapansi yotchedwa SWIFT.

Netiweki ya SWIFT (Society for Worldwide Interbank Financial Telecommunications) ndi netiweki yamabanki yomwe imagwiritsidwa ntchito posinthanitsa ma banki padziko lonse lapansi. Ili ndi mabungwe opitilira 7 olumikizidwa m'maiko 000.

🥀 Kodi malipiro a ACH ndi chiyani?

Malipiro a ACH ndi ndalama zomwe zimayendetsedwa kudzera mu Automated Clearing House (ACH). Nyumba yosungiramo zinthu ku USA imagwira ntchito ngati " wapakatikati » pakati pa mabanki posamutsa ndalama pakompyuta kuchokera kubanki imodzi kupita kubanki ina.

Mukasamutsa ndalama kuchokera ku banki yanu kudzera pa kulipira kwa ACH, kusamutsidwa kochuluka kumasonkhanitsidwa pamodzi nthawi zina za tsiku ndikutumizidwa m'magulu.

Zitsanzo zama netiweki zolipirira zofananira kunja kwa EU ndi SEPA (Single Euro Payments Area), CHAPS (Clearing House Automated Payments System) kuchokera ku United Kingdom ndikulowa mwachindunji ku Australia.

🥀 Mitundu yotengera ku banki

Nthawi zambiri pamakhala mitundu iwiri ya kusamutsa: kusamutsidwa kamodzi ndi kusamutsa kokhazikika.

Kusamutsa nthawi

Kusamutsa kumaonedwa kuti ndi kamodzi kokha ngati dongosolo laperekedwa kuti lichitike kamodzi. Nthawi zambiri, ngati ikuchitika pa intaneti kuchokera pa intaneti ya banki, ntchitoyi ndi yaulere. Ngati itafunsidwa kunthambi, pa fax kapena patelefoni, ikhoza kutumizidwa (invoice)mwachitsanzo mpaka 4 €).

Ngati tsatanetsatane wa banki wa wopindulayo ndi wolakwika kapena wosakwanira, ndalama zowonjezera zikhoza kuwonjezeredwa.

Kusintha kokhazikika

Kusamutsa kumanenedwa kukhala kosatha (kapena kodziwikiratu) ngati lamulo laperekedwa kubanki kuti libwereze kangapo pakapita nthawi. Dongosololi litha kukonzedwa kwa nthawi yokhazikika kapena yosadziwika. Itha kuyimitsidwa nthawi iliyonse malinga ngati mutadziwitsa banki yanu ndi imelo ndi AR.

Zikachitika pa intaneti, zoyimilira nthawi zambiri zimakhala zaulere. Ngati akhazikitsidwa kapena kusinthidwa munthambi, chindapusa (mwachitsanzo 1 €) akhoza kufunsidwa pokhazikitsa utumiki. Kusamutsidwa kumayiko ena kulipiritsidwa.

Nthawi zambiri banki imasunga kuchuluka kwakusamutsa (mwachitsanzo 0,08% ya ndalamazo). Kusinthana ndi ma doko (ndalama za SWIFT) zithanso kuonjezera biluyo.

🥀 Ndalama zobisika za kusamutsidwa kwa banki

Nthawi zambiri, kusamutsidwa ku banki yakunyumba ndikotsika mtengo kutumiza ndipo kumatha ngakhale nthawi zina kukhala mfulu. Malipiro, ngati alipo, amatengedwa nthawi zonse ku akaunti ya wobwereketsa.

Malinga ndi mgwirizano wa akaunti ku banki iliyonse ndi mtundu uliwonse wa akaunti, chindapusacho chikhoza kuletsedwa kutengera komwe kumachokera (kauntala kapena intaneti) komanso ngati ndi akaunti yakunja. Nthawi zambiri, kusamutsidwa kudzera pa intaneti ndikwaulere, mosiyana ndi kusamutsa kolamulidwa pa kauntala, komwe kumayenera kutumizidwa.

Komano, ma transfer amabanki apadziko lonse ndi pomwe amasamutsa ndalama kukhala okwera mtengo. Izi ndichifukwa choti mukasamutsa kunja ndi banki, mudzalipira ndalama zobisika (zotchedwa malire akunja) kuti musinthe ndalama zanu kukhala ndalama ina kuphatikiza ndalama zonse zokhazikika, ma komisheni ndi zina.

Pazifukwa zoipitsitsa, anthu ambiri amalipira ndalama zonse zoyambira mpaka 10 mpaka 15% kapena kuchuluka kwa ndalama zonse zomwe amasamutsira kuti atumize ndalama kunja, zomwe nthawi zambiri zimapangitsa kuti ntchitoyi ikhale yodula kwambiri.

Mwamwayi, pali zambiri zosinthira ndalama zotsika mtengo komanso opereka fintech kunja uko. Othandizirawa amagwiritsa ntchito netiweki yodziwika bwino yamaakaunti akubanki apadziko lonse lapansi kuti alambalale netiweki ya SWIFT, kupewa pafupifupi chindapusa cha makasitomala awo! Zotsatira zake, ogwiritsa ntchito nthawi zambiri amalipira ndalama zochepa kuposa 1 kapena 2% za kuchuluka kwa kusamutsidwa kwawo mu chindapusa!

🥀 ACH Transfer Vs Bank Transfer

Ngakhale kutumiza kwa ACH kuchokera ku mabanki nthawi zambiri kumakhala kotsika mtengo kuposa kutumiza kwa waya, kumatenga nthawi yayitali kuti afike. Kawirikawiri masiku awiri kapena atatu. Izi ndichifukwa choti makina opangira ma batch amatanthauza kuti kusamutsa kumayenera kudikirira nthawi yeniyeni mpaka ndalama zitasamutsidwa pamodzi ndi zochitika zina.

Kusamutsa ku banki, kumbali ina, nthawi zonse kumafuna ndalama zomwe zimasinthasintha pakati pa 25 ndi 40 € Zosamutsa kuchokera ku akaunti za US. Komabe, kusamutsidwa kumeneku kumakhala kofulumira ndipo nthawi zambiri kumatenga mpaka 24 hours.

🥀 Kusamutsidwa kwa banki ndi masiku ochitapo kanthu

La tsiku la ntchito est zomwe kubwereketsa kapena ngongole kumalembedwa ndi banki. Ngati oda yosamutsa yayitanidwa pakatsala pang'ono kutha kwa tsiku la bizinesi, idzaganiziridwa kuti yalandiridwa tsiku lotsatira lantchito.

Ngati nthawi yolandira si tsiku logwira ntchito, lamulo losamutsa limatengedwa kuti lalandiridwa tsiku lotsatira. Kuchita kwa ndalama zonse zolipira kumadziwitsidwa kwa omwe ali ndi maakaunti awiri omwe akukhudzidwa (wongongole / wobwereketsa). The periodicity ya zidziwitso zimatengera mgwirizano wa akaunti. Zitha kukhala tsiku lililonse, mwezi uliwonse, etc.

Ndizotheka kutsutsa ntchito yosinthira potumiza kalata ku banki yake ndi AR. Zochitika zingapo ndizotheka:

• ngati kuchuluka kwa kusamutsa ndi apamwamba kuposa anapempha, wamangawa ali ndi 8 masabata otsogolera nthawi;
• ngati ntchitoyo sinavomerezedwe kapena inachitidwa molakwika, nthawi imeneyi anawonjezera kwa miyezi 13 pambuyo pa debit debit isanafike kulandidwa.

🥀 Momwe mungasamutsire banki?

Musanasamutse ku banki, muyenera kuwonetsetsa kuti muli ndi ngongole yokwanira mu akaunti yanu. Kupanda kutero, mumadziwonetsera nokha ku kukanidwa (ndipo chifukwa chake kumitengo yofananira). Muyeneranso kukhala ndi RIB ya wobwereketsa wanu ndi BIC yake (Bank Identifier Code). Amazindikira komwe banki yake ndi IBAN yake imakhala (Nambala ya Akaunti Yakubanki Yapadziko Lonse) yomwe imazindikiritsa akaunti yawo yakubanki.

Kaya pa kauntala kapena pa intaneti, muyenera kumaliza kutumiza. Lamuloli likuwonetsa nambala ya akaunti yanu, ndalama zomwe zikuyenera kusamutsidwa, tsiku loti muphedwe komanso zambiri zakubanki za wobwereketsa wanu. Banki ndiyoletsedwa kusamutsira ndalama popanda chilolezo chanu pokhapokha italamula ndi Public Treasury.

🥀 Mfundo zofunika

Kuti mutumize ndalama pakati pa maakaunti aku banki, mungafunike kulumikiza maakaunti anu awiri. Nthawi zina zimatha kutenga sabata.

Ngati mukufuna kusamutsa ndalama ku akaunti yanu kubanki ina, ndi bwino kupewa kudikirira mpaka mphindi yomaliza kuti muyambe. Ngati ndi nthawi ndi vuto, mutha kufulumizitsa kusamutsa kwanu. Koma zingawononge ndalama zambiri.

Mabanki ena amalola makasitomala kukhazikitsa maakaunti awo kuti asamutsidwe mobwerezabwereza. Chifukwa chake ngati mumagwiritsa ntchito ndalama zanu ndikusamutsa ndalama nthawi ndi nthawi pakati pamabanki osiyanasiyana, kukhazikitsa izi kungakupulumutseni nthawi.

🥀 FAQ Nachi chitsanzo cha kusamutsa kwa banki FAQ

Kodi transfer bank ndi chiyani?

Kutengerapo ndalama kubanki ndi ntchito yosamutsa ndalama pakati pa maakaunti awiri aku banki. Ndi njira yachangu komanso yosavuta yotumizira kapena kulandira ndalama.

Kodi mungasinthe bwanji?

Zomwe muyenera kuchita ndikupatsa banki yanu nambala ya akaunti ya wolandirayo ndi dzina lake. Inu ndiye kusonyeza ndalama kusamutsa. Ntchitoyi ndi yotetezeka komanso pafupifupi nthawi yomweyo.

Kodi kutumiza ndi kulipiritsa?

Zosamutsa zambiri pakati pa anthu ndi zaulere mkati mwa chigawo cha euro. Komabe, chindapusa chitha kugwira ntchito pakusamutsira kunja kapena ndi zinthu zina.

Kodi ndingaletse kusamutsa?

Mutha kuletsa kusamutsa kusanachitike komaliza. Koma kusamutsako kukakhala kothandiza, sikuthekanso kubwereranso. Pempho lobweza ndalama lidzadalira wolandira.

Kodi mayendedwe amatsatiridwa?

inde, kusamutsa kulikonse komwe kumapangidwa kumalembedwa ndi mabanki. Wotumiza ndi wolandira amadziwika. Izi zimathandiza kuthana ndi chinyengo komanso kuwononga ndalama.

Musaiwale kutsimikizira kuti zochita zanu zikuchitika pamene zikuyenera kutero. Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule.