Nzira yekudzivirira sei mari yebhangi yakakwirira?

Vanopfuura chikamu chimwe muzvitatu chevakwereta vebhanga iri vanonetseka kubhadhara zvikwereti zvavo nenguva. Pachikwereti ichi pakawedzerwa mari dzemabhanga akasiyana siyana. Kuti uite izvi, unofanirwa kunyatso tarisisa maakaundi ako ekubhangi kuti udzivise kubhadhariswa zvisina basa. Muchokwadi, mashoma emubhadharo webhangi anogona kukusundira muchikwereti chisingabatike.

Kunyangwe idzi mari dzebhangi dzichiita sediki, dzinogona kuwedzera nekufamba kwenguva. Neraki, zviri nyore kudzivirira kana kuderedza izvi dzimwe nguva miripo yakakwira kana uine ruzivo pamberi.

Ini ndinofungidzira kuti ikozvino watarisana nemamiriro ezvinhu ekuti unobhadhara mari zhinji dzebhangi kubhangi rako. Kana zvakadaro, usazvidya mwoyo zvakare. Muchinyorwa chino, Ini ndinokuratidza machaji ebhangi akajairika uye kuti ungazvidzivirira sei. Iyi nzira ichakuchengetedza mazana emadhora mumakore.

Asi usati watanga, heino kudzidziswa kunokubvumira kuti uite kuwana 1000euros/Zuva pa5euros.com. Dzvanya pano kuti uitenge

handeyi

???? Iwo 8 Anonyanya Kuzivikanwa Mari Yebhangi

Kana iwe uchigara uchiona mari inobviswa kubva kuaccount yako yekutarisa, ziva kuti hausi wega. Iniwo makore mashoma apfuura pandakavhura account yangu yekubhanga yekutanga ndaiva nedambudziko rakafanana.

Zvinoenderana neongororo yakaitwa neUS Federal Reserve muna 2017, varidzi veakaundi yebhangi vanobhadhara mari inosvika madhora mazana maviri nemakumi mashanu pagore. Nekudaro, iwe unofanirwa kuziva kuti hausungirwe kuabhadhara, kunyangwe iwo ari mubhadharo wakajairika.

Tisati takuudza nzira yekudzivisa kana kuderedza mari yako yebhangi, ngatitangei kuvasuma.

➤ Muripo wepamwedzi wekuchengetedza/sevhisi

Mabhanga mazhinji anokubhadharisa mari yemwedzi nemwedzi yekuchengeta mari yako muakaundi navo. Huwandu hwemari iyi yekuchengetedza zvinoenderana nebhangi rako, asi iwe unogona kubhadhara kusvika ku $15 pamwedzi yeakaundi yekutarisa isina kubhadharwa.

Zvese zvataurwa, iwe uchabhadhara mari inosvika $180 pagore.

Kusanganisira mari yekuchengetedza pamwedzi mumaakaundi ako ekutarisa inzira yekuti mabhanga awedzere zvakananga mari kuburikidza nemubhadharo uye kukurudzira vatengi kuchengetedza mari yakawanda mubhangi. Asi ungadzivisa sei kana kuderedza mari iyi yekugadzirisa?

Nzira yekudzivirira mari yekuchengetedza account?

Kazhinji zviri nyore kudzivirira kutarisa mari yekugadzirisa account. Vabati verudzi urwu rweakaundi vanogona kuvhura ese ari maviri ekutarisa account uye Kuchengeta account kubhangi rimwe chete kana nekuchengetedza chiyero cheshoma muakaundi yako. Dzimwe nguva kumisikidza mwedzi wakananga dhipoziti system inokwana kuregedzera muripo wepamwedzi wekugadzirisa.

Nyaya yekuverenga: Heano matipi gumi nemana ekupfuma-nekukurumidza

Pamusoro pezvo, mabhanga mazhinji anobhadharisa mari yekuchengetedza mwedzi wega wega anotsanangura kuti mari idzi dzichabviswa mwedzi wega wega mutengi anoteedzera mamwe nhungamiro. Aya mazano anogona kusanganisira:

• Kuchengetedza chiyero chemazuva ese muaccount
• Kugadzwa kwehurongwa hwekudzokororwa kwakananga mari
• Kushandiswa kwekadhi rekubhengi rakabatana nenguva shoma pamwedzi

Kuziva aya madhiraivha ekushandisa iyi yemwedzi yekubhadhara mubhadharo, unogona kudzivirira kubhadhara mari yekugadzirisa account.

Zvakare, kana iwe uchigara uchizadzisa zvinodiwa kuti udzivise mubhadharo, unogona kufona uye kukumbira kuregererwa kana paine mwedzi apo bhari yako yezuva nezuva inotsvedza kana iwe uchiregeredza kushandisa kadhi rako rekubhengi.

➤ mari yeATM

Kana iwe uchinzwa sekunge uri kubhadhara zvakanyanya kuti zvive nyore kushandisa maATM kunze kwebhangi rako network gore negore saka iwe wakarurama.

Mari yeATM kubva kubhangi rako uye mushandisi weATM anogona kuwedzera kana iwe uchiwanzobvisa mari.

Mabhanga makuru ezvidhinha-nedhaka anobhadharisa vatengi avhareji yemadhora mazana maviri nemakumi mashanu pakushandisa ATM yekunze-ye-network. Nekudaro, kushandisa maATM kunosarudzika. Pakupedzisira zviri kwauri kuti usarudze kana iko kureruka kwekushandisa ATM kwakakodzera.

Ndakaona kuti nekufamba kwenguva mari yeATM yemaakaundi angu akasiyana yakaramba ichiwedzera. Izvi zvinogona kunge zviri izvowo kwauri. iwe unofanirwa kuziva kuti maitiro aya anotarisirwa kuenderera nekuti pane zvimwe zvinhu zviri shure kweizvi.

Nyaya yekuverenga: Nzira yekuita zvakanaka kuronga mari?

Izvo zvese zvinotanga nekukwira kwezvikumbiro zve peer-to-peer kubhadhara izvo zvakaderedza zvakanyanya kushandiswa kwemaATM. Uku kudonha kwekudiwa kwemaATM kunoita kuti kugadzirisa kwavo kudhure zvakanyanya kumabhanga.

Kuwedzera kwemari yemushandisi weATM saka kunobhadhara kudzikiswa kwehuwandu hwekutengesa kumaATM.

Pamusoro pezvo, mabhanga anoona kubhadhariswa kweATM senzira yakachengeteka yekuchengetedza kana kuwedzera purofiti yavo pasina kutsausa vatengi vavo. Asi nzira yekupedzisa kamwechete uye zvachose nehutsva?

Nzira yekudzivirira mari yeATM?

Kufanana nemari yekuchengetedza account, mari yeATM inogona kudzivirirwa. Muchokwadi, nhau dzakanaka ndedzekuti mari yeATM iri pakati pezviri nyore kudzivirira kana kuderedza.

Chaunofanira kutanga kuziva ndechekuti kushandiswa kwemaATM kunosarudzika, zviri kwauri kuti utonge kukosha kwekushandiswa kwayo. Tevere, unofanirwa kuona maATM etiweki yako yebhangi munharaunda yako kuitira kuti ugare uchiziva kwekuwana mari kana uchiida.

Neraki, mabhangi mazhinji anopa maATM locators mune yavo mobile apps. Chekupedzisira, unogona chete kushandisa maATM mubhangi rako network, iyo inowanzo kuwanikwa pawebhusaiti yavo.

Kana iwe uchida mari ipapo uye chete ATM sarudzo dziripo dzinokubhadharisa muripo, funga kushandisa kadhi rako rechikwereti kutenga kudiki uye kukumbira mari yekudzoserwa panzvimbo.

Nyaya yekuverenga: Iwo chaiwo emabhanga echiIslam

Zvitoro zvakawanda hazvibhadharise mari yekudzosera mari, zvichiita kuti ive nzira yemahara yekuwana mari yako. Ndizvo chete zvandingakuudza izvozvi nezve kudzikamisa mari yako yeATM

➤ Mari yeoverdraft kubhangi

Pamberi pekutanga mari idzi, ndizvo zvakakosha kuziva kuti chii le overdraft. Zvakanaka, iyo overdraft yebhangi inonyanya kuenderana ne "mvumo ye overdraft", iyo mari uye zuva iro rakatemerwa chibvumirano muchibvumirano cheakaundi, chinotsanangura kana kuwedzererwa kwakabvumidzwa kunogoneka.

Ndiyo margin iyo bhangi rako rinogona kukupa iwe paunenge uchishuvira kuita oparesheni ine huwandu hwakakura kupfuura zvauinazvo muakaundi yako. Kubva pane iyi tsananguro iyo overdraft inofananidzwa nechikwereti saka haisi yemahara. Haisi muripo uye inofanirwa kuendeswa kubhangi rako kuti utenderwe.

Chinyorwa chekuverenga: Inishuwarenzi yeIslam: Takaful

Nekudaro, kushandisa mari zvakanyanya kuaccount yako imhando yekukanganisa inogona kuitwa nemunhu wese. Muchokwadi, isu tese tinowanzo kuchengetedza yedu yekutarisa account zviyero mumisoro yedu, saka zviri nyore kukanganwa.

Unogona kutenga madhora makumi mashanu nekadhi rako rechikwereti, usingazive kuti account yako ine $50 chete.

Mukuita, mabhangi anowanzobvumira kutenga kupfuurira munyaya iyi, pane kuramba kubhadhara. Unogona kusanyara kwechinguvana kuti mubhadharo wako warambwa, asi account yako inotsvuka.

Panguva ino chaiyo iyo bhangi rako richakubhadharisa mari yeoverdraft. Asi, sei kuvanzvenga? Heino mhinduro yedambudziko rako.

Nzira yekudzivirira sei mari yebhangi overdraft?

Overdraft paakaundi yako yekubhangi itsaona iri nyore kudzivirira. Chinhu chekutanga kuita kudzivirira mari yeoverdraft kusaina kune yakananga dhipoziti system. Iyi mhinduro zvakare inobvumidza iwe kuti udzivise mitengo ine chekuita nekushandiswa kweATM.

Iyi sisitimu inobvumira iyo mari kuti inyatso kubhadharwa muaccount yako. Izvo zvakare zvichakubatsira iwe kuchengetedza hushoma hunodiwa chiyero cheakaundi yako uye kudzivirira overdrafts.

Mabhanga mazhinji anopawo overdraft coverage kana dziviriro yeavhareji muripo unosvika madhora makumi matatu neshanu pa overdraft.

Nekuti pachinzvimbo chekurambwa kutenga kana usina mari yakakwana muakaundi yako yekubhangi, bhangi rinokubhadhara nekutora mari kubva kuakaundi yako yekuchengetedza yakabatana, kechipiri cheki account, mutsara wechikwereti, nezvimwe.

Nyaya yekuverenga: The regulatory framework of banking governance

Sezvo kuchinjirwa pakati peakaundi akabatana kuchiitika ipapo, kuve neakaundi yekuchengetera iyo iwe yaunogona kutamisa mari kubva kana iwe waona kuti bhangi rako riri kudzikira zvakare kuchakubatsira iwe kudzivirira overdraft.

Chekupedzisira, nzira yakanakisa yekudzivirira mari yeoverdraft ndeyekuchengeta ziso pane yako account balance. Kuti uite izvi, unogona kusaina nyore nyore chenjedzo yezviyero kuburikidza neemail kana SMS kubva kubhangi rako.

Iwe unogona kugadzirisa chenjedzo idzi kuti uziviswe kana bhari yako yadonha pazasi pechikumbaridzo chaunosarudza.

➤ Mari yemubhadharo webhangi: vhezheni yepepa

Chirevo chebhangi ipfupiso yezvese kutengeserana kwemari kwakaitika paakaundi inotungamirwa nebhangi pane imwe nguva. Kare, kugamuchira chirevo chemwedzi mutsamba ndiyo chete nzira yekuwana ruzivo rwekutengeserana muakaundi yebhangi.

Mazuva ano, zvirevo zvako zvebhangi zvinotumirwa neemail kana kuti zviwanikwe kwauri pabhangi app kana webhusaiti. Aya masevhisi anotendera iwe kuti uwane ruzivo rwese rwekubhengi 24/24.

Nekudaro, vamwe vatengi vachiri kuda kugamuchira zvinyorwa zvemapepa mubhokisi ravo retsamba kwete mubhokisi ree-mail. Sezvineiwo, mamwe mabhanga anobhadharisa muripo wekudhinda uye kutumira masitatimendi ekubhangi kuvatengi vawo.

Mari idzi dzinosiyana zvichienderana nekuti urikubhangi kupi uye nehuwandu hwemapeji ekudhinda.

Ndinonzvenga sei mari dzemapepa ekubhengi?

Kuti udzivise mari idzi, ingo nyoresa isina mapepa kana online banking. Muchokwadi, hapana nzira yekugamuchira pepa zvirevo zvemahara, kunze kwekunge bhangi rako richibhadharisa imwe.

➤ Mari yekusaita account

Chimwe chinhu chisingazivikanwe nevazhinji vane account ndechekuti mamwe maakaundi anobhadharisa kusaita basa. Kana account yanga isingashande kweimwe nguva, bhangi harichakwanisa kubhadharisa chero mari paaccount.

Haasi chete aya akarara maakaundi anokonzera manejimendi misoro kumabhangi, asi anogona zvakare kuvadhura zvakanyanya. Mabhanga anobhadharisa mari yekusaita basa pamaakaundi aya panguva ino kuitira kukurudzira vane mari kuti vatange kushanda zvakare. Mari idzi dzinowanzosiyana pakati $10 uye $20 pamwedzi.

Chinyorwa chekuverenga: Chii chinonzi Islamic bank?

Mabhangi anogona kutanga kubhadharisa mari yekusaita basa mushure mekunge account yanga isingashande kweinenge mwedzi mitanhatu. Mamwe mabhanga anomirira kusvika gore kuti atange kubhadharisa mari idzi.

Unogona kana kusagamuchira chiziviso chekuti bhangi richatanga kubhadharisa muripo wepamwedzi. Kana izvi zvikasaitwa, ungasaziva kuti uri kubhadhara muripo kusvikira bhangi rabvisa account nemari iyoyo uye ravhara account. $0 account account. Heino nzira yekudzivisa mari idzi.

Nzira yekudzivirira mari yekusaita account?

Kuti udzivise mhosva dzine chekuita nekusashanda kweakaundi YAKO, mhinduro mbiri dziripo kwauri. Kumisikidza dhipoziti kana inodzokororwa yekubhadhara system inogona kukubatsira kuti uchengetedze chiitiko chiri padiki.

Zvikasadaro, iwe unogona kungovhara iyo account uye woendesa mari kuaccount iwe yaunowanzo chengetedza.

➤ Mari yekutengeserana yakawandisa

Yakawandisa mari yetransaction inomuka kana varidzi veakaundi yesavings vabvisa kupfuura yaitarisirwa. MuUSA semuenzaniso, muganhu uyu nhanhatu mahara kubvisa uye kutamiswa pamwedzi. Asi, nekubuda kwe coronavirus parizvino kutenderera muna 2021, muganho iwoyo wakasimudzwa.

Nzira yekudzivirira sei mari yekutengeserana yakawandisa?

Yakawandisa mari yekutengeserana inogona kubva pamadhora matatu kusvika kumadhora makumi maviri nemashanu pakutengeserana, asi izvi zvinogona kudzivirirwa nyore nyore kana ukashandisa account yako yekutarisa seakaundi yezuva nezuva yemaitiro ekubvisa, sekubhadhara mabhiri.

Chero zvazvingava, zvakakosha kuziva misiyano iripo pakati peakaundi ese aya. Tarisa chinyorwa chedu pa imhando ipi yeakaundi yekubhangi yandinogona kugadzira kuti udzidze zvakawanda nezvemhando dzakasiyana dzeakaundi.

➤ Mari yekuendesa kubhangi

Chaunofanira kuziva ndechekuti kuendesa kubhangi kuchinjisa mari inogona kuitwa pakati peakaundi maviri anogona kuvhurwa kana kusavhurwa mubhangi rimwe chete. Kuchinjisa kubhangi kunogona kuve nzira yekukurumidza kuendesa mari pasina kushandisa mari yepanyama.

Asi, iwe unofanirwa kubhadhara kune izvi zviri nyore. Pasevhisi iyi, mabhanga anowanzo bhadharisa mari iri pakati pemadhora gumi nematanhatu kusvika pamadhora makumi matatu neshanu pakuendesa kuendesa kunze kwenyika.

Nzira yekudzivirira sei mari yekuendesa kubhengi?

Kuti udzivise rudzi urwu rwemubhadharo, unofanirwa kushandisa zvemagetsi kutamisa, asi zvishoma. Iyi nzira haibvumiri kuti udzivise asi kutanga kuderedza. Kunze kwekunge iri kutengeserana kwepamutemo kunoda mari yakawanda. Neimwe nzira, unogona kuendesa mari online kana kuburikidza nebhengi rako mbozha app.

➤ Mari ine chekuita nekushandiswa kwekadhi rekubhangi

Mari yekadhi rechikwereti inosiyana kwete chete kubva pakadhi kuenda kune kadhi, asiwo kubva kubhangi kuenda kubhangi kune imwechete kadhi sarudzo. Iyi mitengo inogona kunge ine chekuita nekunyoreswa kwegore negore, kubvisa, kushanda kunze kwenzvimbo dzemari, kuba kwekadhi kana kunyange kuburitswazve kwepassword.

Pamari idzi, dzimwe ndedzemahara zvichienderana nemabhanga. Rangarira kubvunza mamiriro emitengo yebhangi rako kuitira kuti usave nechero zvisingafadzi zvinoshamisa!

Nzira yekudzivirira kana kuderedza mari yekadhi rechikwereti?

Kusarudza kadhi rebhangi rakakodzera kwakakosha, kunyanya sezvo mitengo yacho ichisiyana zvakanyanya kubva kune rimwe bhangi kuenda kune rimwe. Kudzikamisa mari yekadhi rechikwereti kuri nyore, chero iwe watora mamwe mapoinzi muaccount! Tarisa gwara redu rekuti Ungasarudza sei kadhi rako rebhangi?

Kuti usarudze kadhi rako rebhangi, unofanirwa:

Funga zvaunoda: Hapana chikonzero chekubhadhara mari yekuwedzera kadhi rechikwereti kune masevhisi ausingade!

Funga nezvemaitiro ako ekubhengi: sarudza kadhi rinoenderana nemaitiro ako. Hapana chikonzero chekutora sarudzo dzekadhi rechikwereti senge inishuwarenzi yekufamba kune dzimwe nyika kana usingambofambi kunze kwenyika yako!

Kuda bhangi repamhepo: mari yekadhi rechikwereti inobhadhariswa nemabhangi epamhepo kazhinji inodhura zvakanyanya pane iya yemabhangi echinyakare.

???? Pfupiso…

Muchinyorwa chino, handizviti ndinokwanisa kukubvumidza kuti udzivise kubhadhariswa kwese kwebhangi. Kutaura zvazviri, mari yebhangi haizomboperi zvachose. Iwe unongove nekugona kunzvenga iyo yakawanda yemari iyi inouya nenzira yako.

Ingorega kubva maitiro akanaka ekutarisira kubva kubhengi account yako. Ramba wakatarira pabharanzi yako uye gara uchitarisa account yako online kuti udzivise zvikanganiso zvekubhadhara. Uye, kana iwe uchinzwa sokuti haugoni kudzivisa mari yebhangi yako ikozvino, usatya kuwana rimwe bhangi rakakunakira iwe.

Tarisa chinyorwa chedu pa Nzwisisa bhanga kuti mari iri nani saka unoziva kusarudza bhangi rakakunakira.

Enda mberi, ndisiire zvese zvinokunetsa mumacomments. Usati waenda, heino dzidziso inokudzidzisa kutengesa mazano paInternet. Dzvanya pano kuti uitenge.

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