Chii chinonzi bank transfer?

A bank transfere izwi rinoshandiswa kutsanangura kutamiswa kwemari kubva kuakaundi yebhangi kuenda kune imwe. Ingave padanho renyika kana repasi rose. Kuendeswa kwebhangi-ku-bhangi kunobvumira vatengi kutumira mari nemagetsi. Zviri pano digitalization yebhangi chikamu.

Kunyanya, ivo vanokutendera iwe kuendesa mari kubva kuaccount nebhangi kuenda kuaccount neimwe institution. Kana usati wamboshandisa sevhisi iyi kare, zvingaite sezvinovhiringa.

Kana uchida rubatsiro kunzwisisa kuti zvinoshanda sei, hezvino zvaunofanira kuziva nezve bank transfers. Asi usati watanga, heino premium kudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

🥀 Mitemo inokosha transfers

Mazhinji mabhangi epamusoro anoita kuti zvive nyore kune vatengi vavo kutumira mari. Nyangwe sevhisi iyi kazhinji vakasununguka, zviri nani kusimbisa izvi usati watanga kutumira.

Mitemo ine chekuita nehuwandu hwemari yaunogona kuendesa kamwechete inogona kusiyana zvichienderana nebhangi rako. Asi kazhinji, chero munhu anoda kuendesa mari anogona kuzviita kuburikidza nekombuta kana nharembozha. Kana uchinge watanga kutumira newaya, imwe account yako yekubhangi inogona kuwana mari idzodzo mukati memazuva.

Ramba uchifunga kuti kubhengi-ku-bhangi kuchinjisa kunongobvumira vanhu kuchinjanisa mari pakati pavo kuongorora maakaundi zvemunhu uye maakaundi avo ekuchengeta. Kana iwe uchida kutumira mari kune mumwe munhu, unofanirwa kuona kana bhangi rako richipa iyi sevhisi.

Kutamiswa kwebhangi kunogona kureva zvinhu zvakasiyana zvishoma zvichienderana nemhando dzakasiyana dzezvimwe zvinhu. Muchidimbu, izwi rinogona kushandiswa kureva chimwe chezvinhu zviviri zvakasiyana:

• Kuendesa mari yenyika, uko mari inotumirwa kubva kuakaundi yebhangi kuenda kune imwe munyika imwe cheteyo;
• Kutumira mari kune dzimwe nyika kutumira mari kubva kuakaundi yebhangi kuenda kune imwe mune imwe nyika, kazhinji kunosanganisira kuchinjanisa mari.

🥀 Kuendeswa kwebhangi: international vs. national

Zvekubhengi zvemumba zvinoenda nemazita akati wandei. MuUnited States, semuenzaniso, aya marudzi ekutamisa anonyanya kufanana neACH kutamiswa, nepo kuUnited Kingdom anozivikanwa se. CHAPS kutamiswa.

Mukati meEU, kuendesa kubhengi kunonzi kubhadharwa kweSEPA, nepo kuCanada kunonzi Interac e-Transfers. Kuendeswa kwebhangi remukati kunoratidzwa nemabhanga anoshandisa network yenyika kutumira mari kubva kune imwe account yebhangi kuenda kune imwe.

Panyaya yekuendesa kune dzimwe nyika, kune rumwe rutivi, kuendeswa kwebhangi kunowanzoenderana newaya. Pakadai, mabhanga pasi rose anotumira mari kumaakaundi avo vachishandisa network yepasi rese yekukurukurirana inonzi SWIFT.

Iyo SWIFT (Society for Worldwide Interbank Financial Telecommunications) network itaneti yebhangi inoshandiswa pakuchinjana kwepasi rose. Iine masangano anopfuura zviuru zvinomwe akabatana munyika dze7.

🥀 Chii chinonzi ACH kubhadhara?

ACH kubhadhara mari inofambiswa kuburikidza neAutomated Clearing House (ACH). Imba yekuchenesa muU.SA inoshanda semhando ye " zvenguva » pakati pemabhanga nekuendesa mari nemagetsi kubva kune rimwe bhangi kuenda kune rimwe bhangi.

Paunotumira mari kubva kubhangi rako kuburikidza neACH kubhadhara, kuendeswa kwakawanda kunounganidzwa pamwe chete panguva dzakatarwa dzezuva uye kutumirwa mumabheti.

Mienzaniso yemanetiweki ekubhadhara akafanana kunze kwenyika ndeyeEU's SEPA (Single Euro Payments Area), CHAPS (Clearing House Automated Payments System) kubva kuUnited Kingdom uye kupinda zvakananga muAustralia.

🥀 Mhando dzekuendesa kubhengi

Panowanzove nemhando mbiri dzekutamisa: imwe-off kutamiswa uye kutamiswa zvachose.

Kutamisa nenguva

Kuchinjisa kunoonekwa sechinhu chimwe chete kana odha yakapihwa kune imwe chete kutengeserana. Kazhinji, kana ikaitwa online kubva kubhangi internet papuratifomu, iyi sevhisi ndeyemahara. Kana ikakumbirwa mubazi, nefax kana nerunhare, inogona kunyoreswa (invoice)semuenzaniso kusvika ku4 €).

Muchiitiko chekuti ruzivo rwebhangi remubatsiri haruna kunaka kana kusakwana, mari yekuwedzera inogona kuwedzerwa.

Permanent transfer

Kuchinjisa kunonzi ndekwechigarire (kana otomatiki) kana odha yakapihwa kubhangi kuti idzokorore kakawanda panguva dzenguva dzose. Kurongeka uku kunogona kurongwa kwenguva yakatarwa kana isingagumi. Inogona kukanzurwa chero nguva chero iwe uchizivisa bhangi rako netsamba neAR.

Kana yaitwa online, kumira maodha anowanzo mahara. Kana dzikamiswa kana kugadziridzwa mu-bazi, muripo (semuenzaniso 1 €) inogona kutorwa paunenge uchigadzira sevhisi. Kuendeswa kune dzimwe nyika kunobhadhariswa.

Kazhinji kazhinji bhangi rinochengeta chikamu chekuendesa (semuenzaniso 0,08% yemari yacho). Exchange uye port komisheni (SWIFT fees) inogonawo kuwedzera bhiri.

🥀 Mari yakavanzwa yekufambiswa kwebhangi

Kazhinji kutaura, kuendesa kubhengi repamba kwakachipa kutumira uye kunogona kunyange dzimwe nguva kusununguka. Mari, kana iripo, inogara ichitorwa kubva kuaccount yemukwereti.

Zvinoenderana nechibvumirano cheakaundi chakanangana nebhangi rega rega uye yega yega account, mubhadharo unogona kuvharirwa zvichienderana nekunobva kuodha (kaunda kana Internet) uye ingave account kunze kwenyika. Kazhinji, kuchinjisa kuburikidza neInternet ndekwemahara, kusiyana nekufambisa kwakarairwa pakaunda, izvo zviri pasi pekomisheni.

Kufambiswa kwemari mumabhanga epasi rese, kune rumwe rutivi, ndiko kunofambiswa nemari kuva anodhura. Izvi zvinodaro nekuti kana iwe uchiendesa kune dzimwe nyika nebhangi, iwe unobhadhara mari yakavanzika (inonzi mari yekunze) kushandura mari yako kune imwe mari mukuwedzera kune ese akajairwa mubhadharo, makomisheni uye nevamwe.

Pakunyanyisa, vanhu vazhinji vanobhadhara mari yakazara kubva kusvika ku10 kusvika ku15% kana kuti yakawanda yehuwandu hwekutamisa kwavo kuti vatumire mari mhiri kwemakungwa, izvo zvinowanzoita kuti maitiro acho adhure zvakanyanya.

Sezvineiwo, kune akawanda-akaderera-mutengo wekuchinjana mari uye fintech vanopa kunze uko. Ava vapeji vanoshandisa savvy network yemaakaundi emabhangi epasi rese kuti vapfuure zvachose iyo SWIFT network, vachidzivirira inenge yese mubhadharo kune vatengi vavo! Somugumisiro, vashandisi vanowanzobhadhara zvishoma pane 1 kana 2% yehuwandu hwekutamiswa kwavo mubhadharo!

🥀 ACH Transfer Vs Bank Transfers

Kunyange zvazvo ACH inotamiswa kubva kumabhangi kazhinji yakachipa pane kutamiswa kwewaya, inotora nguva yakareba kuti isvike. Kazhinji mazuva maviri kusvika matatu. Izvi zvinodaro nekuti iyo batch process system inoreva kuti kutamiswa kunofanirwa kumirira yakatarwa nguva slot kudzamara mari yatamiswa pamwe chete nemamwe matransaction.

Kuendeswa kwebhangi, kune rumwe rutivi, kunogaroda mari dzinowanzochinja pakati pe25 ne40 € zvekutamiswa kubva kuUS account. Nekudaro, idzi dzekufambisa dzinokurumidza uye dzinowanzotora kusvika maawa matatu.

🥀 Kutamiswa kwebhangi uye mazuva ekutengeserana

La zuva rekushanda est iyo iyo debit kana kiredhiti transaction inorekodhwa nebhangi. Kana iyo yekufambisa odha yakaodha panguva yakatarwa pedyo nekupera kwezuva rebhizinesi, inozoonekwa yakagamuchirwa zuva rinotevera rebhizinesi.

Kana nguva yekugamuchira isiri zuva rekushanda, iyo yekuendesa odha inoonekwa seyakagamuchirwa pazuva rinotevera rekushanda. Kuitwa kwemubhadharo wega wega wekubhadhara kunoziviswa kune vanobata maakaundi maviri ane chekuita (mukwereti / mukwereti). Iyo periodicity yezviziviso zvinoenderana nechibvumirano cheakaundi. Inogona kuva zuva nezuva, pamwedzi, nezvimwe.

Zvinokwanisika kupokana basa rekufambisa nekutumira tsamba kubhangi rake neAR. Mascenario akati wandei anogoneka:

• kana mari yekuendesa yakakwira kupfuura yakakumbirwa, ane chikwereti ane a 8 vhiki yekutungamira nguva;
• kana oparesheni yacho isina kubvumidzwa kana kuti yakaitwa zvisizvo, nguva iyi inowedzerwa kusvika kumwedzi gumi nemitatu mushure mezuva rekubvisa mari isati yatorwa.

🥀 Nzira yekuita sei bank transfer?

Usati waendesa kubhengi, unofanirwa kuve nechokwadi chekuti une chikwereti chakakwana muakaundi yako. Zvikasadaro, iwe unozviratidzira iwe mukurambwa (uye nekudaro kune yakabatana mitengo). Iwe unofanirwa zvakare kuve neRIB yemukweretesi wako neBIC yake (Bank Identifier Code). Anosarudza kuti bhangi rake neIBAN yake zvinogara kupi (Nhamba Yeakaundi Yekubhengi Yepasi Pose) inozivisa akaundi yavo yekubhangi.

Kungave kucounter kana online, iwe unofanirwa kuzadzisa odha yekufambisa. Odha iyi inoratidza nhamba yeakaundi yako, mari ichaendeswa, zuva rekuuraya uye ruzivo rwebhangi rwemukweretesi wako. Bhangi rinorambidzwa kuendesa mari pasina mvumo yako kunze kwekunge rarairwa nePublic Treasury.

🥀 Zvibodzwa zvakakosha

Kuti utumire mari pakati pemaakaundi ekubhangi, ungangoda kubatanidza maakaundi ako maviri. Dzimwe nguva zvinogona kutora kusvika vhiki.

Kana iwe uchida kuendesa mari kuaccount yako kune rimwe bhangi, zvakanaka kuti usamirire kusvika paminiti yekupedzisira kuti utange. Kana iyo nguva idambudziko, unogona kukwanisa kukurumidzira kutamisa kwako. Asi zvinogona kukudyira mari yakawanda.

Mamwe mabhanga anobvumira vatengi kumisikidza maakaundi avo kuti adzokororwe kutamiswa. Saka kana iwe ukagadzirisa mari yako uye nguva nenguva uchiendesa mari pakati peakaundi kumabhangi akasiyana, kumisa chimiro ichi kunogona kukuchengetedza nguva.

🥀 FAQ Heino muenzaniso wekubhadhara kubhengi FAQ

Chii chinonzi bank transfer?

Kuchinjisa kubhengi ibasa rekufambisa mari pakati peakaundi maviri ekubhangi. Inokurumidza uye nyore nzira yekutumira kana kugamuchira mari.

Nzira yekuita sei kuchinja?

Chaunofanirwa kuita kupa bhangi rako nhamba yeakaundi yeanogamuchira yeIBAN nezita. Iwe wobva waratidza mari yekuendesa. Kuvhiya kwakachengeteka uye kunenge kwakaringana.

Kuchinjisa kunobhadhariswa here?

Kuchinjisa kwakawanda pakati pevanhu ndekwemahara mukati meeuro zone. Nekudaro, mubhadharo unogona kunyorera kuchinjirwa kunze kwenyika kana nemamiriro chaiwo.

Ndinogona kukanzura kuchinjisa?

Unogona kukanzura kutamisa kusati kwaitwa kwekupedzisira. Asi kana kutamisa kwave kushanda, hazvichagoneki kudzokera. Chikumbiro chekudzorera chinobva chaenderana neanotambira.

Kutamiswa kunotariswa here?

ehe, kuchinjisa kwega kwega kunoitwa kunonyorwa nemabhangi. Anotumira uye anogamuchira vanozivikanwa. Izvi zvinobatsira kurwisa hutsotsi nekubira mari.

Usakanganwa kuvimbisa kuti kutengeserana kwako kunoitika pazvinofanirwa kudaro. Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge.