Indlela yokuphepha iintlawulo zebhanki eziphezulu?

Ngaphezu kwesithathu sababoleki bebhanki bayasokola ukuhlawula amatyala abo ngexesha. Ukongeza kweli tyala ziindleko zeenkonzo ezahlukeneyo zebhanki. Ukwenza oku, kufuneka ubeke esweni ii-akhawunti zakho zebhanki ukuphepha iintlawulo ezingeyomfuneko. Ngapha koko, iintlawulo ezimbalwa zebhanki zinokukutyhalela kumanqanaba amatyala ongalawulekiyo.

Nangona ezi ntlawulo zebhanki zibonakala zincinci, ngokuqinisekileyo zinokudibanisa ngokuhamba kwexesha. Ngethamsanqa, kulula ukunqanda okanye ukunciphisa le mirhumo ngamanye amaxesha ephezulu ukuba unolwazi oluthile kwangaphambili.

Ndicinga ukuba ngoku ujongene nemeko apho uhlawula iindleko ezinkulu zebhanki kwibhanki yakho. Ukuba kunjalo, ungaphindi ube nexhala. Kweli nqaku, Ndikubonisa ezona ntlawulo zixhaphakileyo zebhanki kunye nendlela onokuziphepha ngayo. Le ndlela iya kukugcina amakhulu eedola kwiminyaka.

Kodwa ngaphambi kokuba uqale, nalu uqeqesho olukuvumela ukuba wenze fumana i-1000euros / Usuku kwi-5euros.com. Cofa apha ukuze uyithenge

Makhe siye

???? I-8 Eyeyona Mirhumo yeBhanki eyaziwayo

Ukuba ubona rhoqo iintlawulo ezitsalwa kwi-akhawunti yakho yokutshekisha, yazi ukuba awuwedwa. Nam kwiminyaka embalwa edlulileyo xa ndandivula iakhawunti yam yokuqala yebhanki ndandinengxaki efanayo.

Ngokutsho kophononongo lwe-2017 yi-US Federal Reserve, abanini be-akhawunti yokutshekisha ibhanki bahlawula malunga ne-$ 250 ngonyaka kwimirhumo. Nangona kunjalo, kufuneka wazi ukuba awunyanzelekanga ukuba uzihlawule, nangona ziyimirhumo eqhelekileyo.

Phambi kokuba sikuxelele indlela yokuphepha okanye yokunciphisa iintlawulo zebhanki yakho, masiqale sizazise.

➤ Intlawulo yenyanga yokulungisa/yenkonzo

Iibhanki ezininzi zikuhlawulisa umrhumo wenyanga ngokugcina imali yakho kwi-akhawunti kunye nazo. Isixa semali yesondlo sixhomekeke kwibhanki yakho, kodwa unokuhlawula ukuya kuthi ga kwi-15 yeedola ngenyanga kwi-akhawunti yokutshekisha engahlawulwanga.

Konke uxelelwe, uya kuhlawula isixa esipheleleyo malunga ne-180 yeedola ngonyaka.

Ukubandakanya iimali zokugcinwa kwenyanga kwii-akhawunti zakho zokutshekisha yindlela yokuba iibhanki zombini zonyuse ngokuthe ngqo ingeniso ngemirhumo kunye nokukhuthaza abathengi ukuba bagcine imali eninzi ebhankini. Kodwa ungaziphepha njani okanye uzinciphise njani ezi ndleko zokulondoloza?

Ungayiphepha njani imirhumo yokugcinwa kweakhawunti?

Ngokuqhelekileyo kulula ukunqanda ukujonga umrhumo wokulungisa i-akhawunti. Abanini bolu hlobo lwe-akhawunti banokuvula zombini i-akhawunti yokutshekisha kunye Igcina iakhawunti kwibhanki enye okanye ngokugcina ibhalansi encinci kwiakhawunti yakho. Ngamanye amaxesha ukuseta inkqubo yediphozithi ethe ngqo yenyanga yanele ukurhoxisa umrhumo wokugcinwa kwenyanga.

Inqaku eliza kufundwa: Nanga amacebiso ali-14 okutyeba ngokukhawuleza

Ukongezelela, iibhanki ezininzi ezihlawulisa iimali zokugcinwa kwenyanga zichaza ukuba le ntlawulo iya kukhutshwa inyanga nenyanga umthengi uhambelana nezikhokelo ezithile. Ezi zikhokelo zinokubandakanya:

• Ukugcina ubuncinci bemali eseleyo kwi-akhawunti
• Ukusekwa kwenkqubo yeediphozithi ngqo eziqhubekayo
• Ukusetyenziswa kwekhadi ledebhithi elinxulunyaniswa namaxesha ubuncinane ngenyanga

Ukwazi ezi zikhokelo zokusetyenziswa kolu rhoxiso lwenyanga lwenyanga, unokukuphepha ukuhlawula imali yokulungisa i-akhawunti.

Kwakhona, ukuba uhlala uhlangabezana neemfuneko zokuthintela umrhumo, unokukwazi ukufowuna kwaye ucele ukurhoxiswa ukuba kukho inyanga apho ibhalansi yakho yemihla ngemihla ihla okanye awuhoyi ukusebenzisa ikhadi lakho lebhanki.

➤ Imirhumo ye-ATM

Ukuba uziva ngathi uhlawula ngakumbi ukuze kube lula ukusebenzisa ii-ATM ngaphandle kwenethiwekhi yebhanki yakho unyaka nonyaka ke unyanisile ngokupheleleyo.

Imirhumo ye-ATM evela kwibhanki yakho kunye nomsebenzisi we-ATM unokudibanisa xa uhlala ukhupha imali.

Iibhanki ezinkulu zezitena kunye nodaka zihlawulisa abathengi umyinge we-$ 2,50 ngokusebenzisa i-ATM engaphandle kwenethiwekhi. Nangona kunjalo, ukusetyenziswa kwee-ATM kukhetho. Kuxhomekeke kuwe ekugqibeleni ukuba ngaba kulula ukusebenzisa i-ATM.

Ndiye ndafumanisa ukuba ekuhambeni kwexesha imali ye-ATM yeeakhawunti zam ezahlukeneyo iye yanda. Oku kunokuba njalo nakuwe. kufuneka wazi ukuba lo mkhwa kulindeleke ukuba uqhubeke kuba kukho izinto ezithile emva koku.

Inqaku eliza kufundwa: Indlela yokwenza ucwangciso oluhle lwezemali?

Konke kuqala ngokunyuka kwezicelo ze intlawulo peer-to-peer eziye zanciphisa kakhulu ukusetyenziswa kwee-ATM. Oku kuhla kwemfuno yee-ATM kwenza ukuba ukugcinwa kwazo kubize kakhulu kwiibhanki.

Ukunyuka kweentlawulo zabasebenzisi be-ATM ngoko kuhlawulela ukucuthwa komthamo wentengiselwano kwii-ATM.

Ukongeza, iibhanki zibona iintlawulo ezongezelelweyo ze-ATM njengendlela ekhuselekileyo yokugcina okanye yokwandisa inzuzo yazo ngaphandle kokwahlula abathengi babo. Kodwa ugqibezela njani kube kanye ngokutsha?

Indlela yokuphepha iintlawulo ze-ATM?

Njengemirhumo yokugcinwa kwe-akhawunti, iintlawulo ze-ATM zinokuphetshwa. Enyanisweni, iindaba ezilungileyo kukuba iifizi ze-ATM ziphakathi kwezona zilula ukuziphepha okanye ukunciphisa.

Into ekufuneka uyazi kuqala kukuba ukusetyenziswa kwee-ATM kukuzikhethela, kuxhomekeke kuwe ukuba ugwebe imfuneko yokusetyenziswa kwayo. Okulandelayo, kufuneka uchonge ii-ATM zenethiwekhi yakho yebhanki kwindawo yakho ukuze uhlale usazi ukuba ungayifumana phi imali xa uyifuna.

Ngethamsanqa, iibhanki ezininzi zibonelela ngeendawo ze-ATM kwiiapps zabo eziphathwayo. Okokugqibela, ungasebenzisa kuphela ii-ATM kuthungelwano lwebhanki yakho, edla ngokufumaneka kwiwebhusayithi yabo.

Ukuba ufuna imali ngoko nangoko kwaye ii-ATM kuphela ezifumanekayo ziya kukuhlawulisa, cinga ukusebenzisa ikhadi lakho lebhanki xa uthenga into encinci kwaye endaweni yoko ucele ukubuyiselwa imali.

Inqaku eliza kufundwa: Iimpawu zeebhanki zamaSilamsi

Iivenkile ezininzi azihlawulisi mali yokubuyisela imali, nto leyo eyenza ibe yindlela ephantse yasimahla yokufikelela kwimali yakho. Yiloo nto kuphela endinokuxelela yona ngoku malunga nokunciphisa imirhumo yakho ye-ATM

➤ Imirhumo ye-ovadrafti yebhanki

Ngaphambi kokuqala kwezi ntlawulo, kunjalo kubalulekile ukwazi ukuba yintoni na le i-overdraft. Ewe, i-ovadrafti yebhanki ubukhulu becala ihambelana "ne-ovadrafti egunyazisiweyo", isixa kunye nomhla ekugqitywe ngawo ngokwekhontrakthi kwisivumelwano se-akhawunti, esichaza ukuba i-ovadrafti egunyazisiweyo inokwenzeka na okanye hayi.

Ngumda onokuthi ibonelelwe yibhanki yakho xa unqwenela ukwenza umsebenzi onesixa-mali esikhulu kuneso unaso kwiakhawunti yakho. Ngokwale nkcazo i-ovadrafti ifaniswa nemali-mboleko kwaye ke ayihlawulelwa. Akuyontlawulo kwaye kufuneka ingeniswe kwibhanki yakho ukuze ivunywe.

Inqaku eliza kufundwa: I-inshurensi yamaSilamsi: Takaful

Nangona kunjalo, ukuchitha ngaphezulu kwiakhawunti yakho luhlobo lwempazamo enokwenziwa ngumntu. Ngokwenyani, sonke sikholisa ukugcina iibhalansi zethu zokujonga iakhawunti ezintloko zethu, ngoko kulula ukulibala.

Unokwenza i-$50 yokuthenga ngekhadi lakho letyala, ungaqondi ukuba iakhawunti yakho iqulathe i-35 yeedola kuphela.

Enyanisweni, iibhanki zihlala zivumela ukuthengwa ukuba kudlule kule meko, kunokuba kunqabe intlawulo. Ungakhuseleka kwihlazo lomzuzwana lokwaliwa kwentlawulo yakho, kodwa iakhawunti yakho iya kuba bomvu.

Kungalo mzuzu uchanekileyo apho ibhanki yakho iya kukuhlawulisa umrhumo we-ovadrafti. Kodwa, njani ukubaphepha? Nasi isisombululo kwingxaki yakho.

Indlela yokuphepha imirhumo ye-ovadraft yebhanki?

I-ovadrafti kwiakhawunti yakho yebhanki yingozi ekulula ukuyiphepha. Into yokuqala ekufuneka uyenzile ukuphepha iifizi ze-overdraft kukubhalisela inkqubo yediphozithi ngqo. Esi sisombululo sikuvumela ukuba uphephe iindleko ezinxulumene nokusetyenziswa kwee-ATM.

Le nkqubo iya kuvumela imali ukuba ihlawulwe ngokucwangcisiweyo kwaye ngokuzenzekelayo kwi-akhawunti yakho. Kuya kukunceda ugcine ibhalansi encinci efunekayo kwiakhawunti yakho kwaye uthintele i-ovadrafti.

Iibhanki ezininzi zikwabonelela nge-inshorensi ye-ovadrafti okanye ukhuseleko lomrhumo ophakathi ukuya kuthi ga kwi-35 yeedola.

Kuba endaweni yokwalelwa ukuthenga xa ungenayo imali yaneleyo kwiakhawunti yakho yebhanki, ibhanki iya kukuhlawulela ngokuthatha imali kwiakhawunti yakho yokonga eqhagamshelweyo, iakhawunti yokutshekisha yesibini, umgca wetyala, njl.

Inqaku eliza kufundwa: Isakhelo solawulo lolawulo lweebhanki

Ekubeni udluliselo phakathi kwee-akhawunti eziqhagamshelweyo lwenzeka ngoko nangoko, ukuba ne-akhawunti yokonga onokuthi uyikhuphele imali xa ufumanisa ukuba ibhalansi yakho iye iphantsi nako kuya kukunceda ukuba uphephe imali engaphaya kwe-ovadrafti.

Okokugqibela, eyona ndlela yokuphepha iifizi ze-overdraft kukugcina iliso kwibhalansi yeakhawunti yakho. Ukwenza oku, unokubhalisela ngokulula izilumkiso zebhalansi nge-imeyile okanye iSMS evela kwibhanki yakho.

Ungaqwalasela ezi zilumkiso ukuba zaziswe xa ibhalansi yakho isihla ngaphantsi komqobo owukhethayo.

➤ Imirhumo yesiteyitimenti sebhanki: inguqulelo yephepha

Isiteyitimenti sebhanki sisishwankathelo sazo zonke iintengiselwano zemali ezenzeka kwi-akhawunti elawulwa yibhanki ngexesha elithile. Ngaphambili, ukufumana ingxelo yenyanga ngeposi yayikuphela kwendlela yokufumana iinkcukacha zentengiselwano kwi-akhawunti yebhanki yomntu.

Ngezi ntsuku, iingxelo zakho zebhanki zithunyelwa nge-imeyile okanye zenziwe zifumaneke kuwe kwi-app yebhanki okanye iwebhusayithi. Ezi nkonzo zikuvumela ukuba ufikelele kulo lonke ulwazi lwakho lwebhanki 24/24.

Nangona kunjalo, abanye abathengi basakhetha ukufumana iingxelo zephepha kwibhokisi yabo yeposi kunakwibhokisi ye-imeyile. Ngelishwa, ezinye iibhanki zihlawulisa umrhumo ngokuprinta nokuthumela iziteyitimenti zebhanki kubathengi bazo.

Ezi ntlawulo ziyahluka ngokuxhomekeke kwindawo oyibhankayo ​​kunye nenani lamaphepha oza kuprintwa.

Ndiyiphepha njani imirhumo yengxelo yebhanki yephepha?

Ukunqanda ezi ntlawulo, vele ubhalisele i-paperless okanye ibhanki ye-intanethi. Enyanisweni, akukho ndlela yokufumana iziteyitimenti zephepha simahla, ngaphandle kokuba ibhanki yakho ibiza enye.

➤ Imirhumo yokungasebenzi kwe-akhawunti

Enye into abaninzi abanini-akhawunti abayazi kukuba ezinye iiakhawunti zineendleko zokungasebenzi. Ukuba i-akhawunti ibingasebenzi ixesha elithile, ibhanki ayinakuphinda ihlawulise nayiphi na intlawulo kwi-akhawunti.

Akunjalo kuphela ezi akhawunti ezileleyo ezibangela iintloko zolawulo kwiibhanki, kodwa zinokubiza kakhulu. Iibhanki zihlawulisa umrhumo wokungasebenzi kwezi akhawunti ngeli xesha ukuze kukhuthazwe abanini zimali ukuba baphinde basebenze kwakhona. Le ntlawulo iyahluka ngokubanzi phakathi I-$ 10 kunye ne-$ 20 ngenyanga.

Inqaku elifundwayo: Yintoni ibhanki yamaSilamsi?

Iibhanki zinokuqalisa ukubiza imali yokungasebenzi emva kokuba i-akhawunti ingasebenzi ngokupheleleyo kangangeenyanga ezintandathu. Ezinye iibhanki zilinda ukuya kutsho kunyaka ukuze ziqalise ukubiza le mali.

Ungasifumana okanye ungasifumani isaziso sokuba ibhanki iya kuqalisa ukuhlawula umrhumo wenyanga. Ukuba oku akwenziwanga, usenokungaqondi ukuba uhlawula umrhumo de ibhanki iyicime i-akhawunti ngaloo mrhumo kwaye iyivale i-akhawunti. $0 akhawunti eseleyo. Nantsi indlela yokuphepha ezi ntlawulo.

Indlela yokuphepha imirhumo yokungasebenzi kweakhawunti?

Ukunqanda iintlawulo ezinxulumene nokungasebenzi kweakhawunti YAKHO, izisombululo ezibini ziyafumaneka kuwe. Ukumisela idiphozithi okanye inkqubo yokuhlawula rhoqo inokukunceda ugcine umsebenzi ubuncinci.

Ngaphandle koko, unokuvala nje i-akhawunti kwaye udlulisele imali kwi-akhawunti onokuthi uyigcine umkhondo.

➤ Iintlawulo zentengiselwano ezigqithisileyo

Imirhumo engaphezulu yentengiselwano ivela xa abanini-akhawunti yokonga berhoxa ngaphaya komda obulindelekileyo. E-USA umzekelo, lo mda ezintandathu free ukutsalwa kunye nokudluliselwa ngenyanga. Kodwa, ngokuqhambuka kwe-coronavirus ngoku ejikelezayo ngo-2021, loo mda unyusiwe.

Indlela yokuphepha iifizi zokuthengiselana ezigqithisileyo?

Imirhumo eyongezelelweyo yokuthengiselana inokuvela kwi-$ 3 ukuya kwi-$ 25 ngentengiselwano nganye, kodwa oku kunokuphetshwa ngokulula ukuba usebenzisa i-akhawunti yakho yokutshekisha njenge-akhawunti yemihla ngemihla yokuhoxiswa kwesiqhelo, njengokuhlawula amatyala.

Kuyo nayiphi na imeko, kuyimfuneko ukwazi umahluko okhoyo phakathi kwazo zonke ezi akhawunti. Jonga inqaku lethu kwi luhlobo luni lweakhawunti yebhanki endingayenza ukufunda ngakumbi malunga neentlobo ezahlukeneyo zeeakhawunti.

➤ Imirhumo yebhanki

Into ekufuneka uyazi kukuba ukudluliselwa kwebhanki kukudluliselwa kwemali enokuthi yenziwe phakathi kweeakhawunti ezimbini ezinokuvulwa okanye zingavulwa kwibhanki enye. Ukudluliselwa kwebhanki kunokuba yindlela ekhawulezayo yokudlulisa imali ngaphandle kokusebenzisa imali ebonakalayo.

Kodwa, kufuneka uhlawulele olu ncedo. Ngale nkonzo, iibhanki zidla ngokubiza phakathi kwe-16 ne-$35 yeedola ngokutshintshela ekhaya nakumazwe ngamazwe.

Indlela yokuphepha imirhumo yokudluliselwa kwebhanki?

Ukunqanda olu hlobo lwentlawulo, kufuneka usebenzise udluliselo lwe-elektroniki, kodwa kancinci. Le ndlela eneneni ayikuvumeli ukuba uphephe kodwa kwangaphambili ukunciphisa. Ngaphandle kokuba yintengiselwano esemthethweni efuna isixa esikhulu semali. Kungenjalo, ungathumela imali kwi-intanethi okanye nge-app yebhanki yeselula yakho.

➤ Iindleko ezinxulumene nokusetyenziswa kwekhadi lebhanki

Imirhumo yekhadi lokuthenga ngetyala ayifani kuphela kwikhadi ukuya kwikhadi, kodwa nakwibhanki ukuya ebhankini ukukhetha ikhadi elifanayo. Ezi ndleko zinokunxulunyaniswa nemirhumo yonyaka, ukutsalwa kwemali, ukusebenza ngaphandle kwemimandla yemali, ukubiwa kwekhadi okanye ukukhutshwa kwakhona kwephasiwedi.

Phakathi kwezi ntlawulo, ezinye zikhululekile ngokuxhomekeke kwiibhanki. Khumbula ukujonga iimeko zamaxabiso ebhanki yakho ukuze ungabi nazo naziphi na izinto ezothusayo ezingathandekiyo!

Indlela yokuphepha okanye ukunciphisa imirhumo yekhadi letyala?

Ukukhetha ikhadi lebhanki elichanekileyo kubalulekile, ngakumbi njengoko amaxabiso ahluka kakhulu ukusuka kwenye ibhanki ukuya kwenye. Ukunciphisa imirhumo yekhadi letyala kulula, ngaphandle kokuba uthathele ingqalelo amanqaku athile! Jonga isikhokelo sethu ku Indlela yokukhetha ikhadi lakho lebhanki?

Ukukhetha ikhadi lakho lebhanki, kufuneka:

Qwalasela iimfuno zakho: Akukho mfuneko yokuhlawula imali eyongezelelweyo yekhadi letyala ngeenkonzo ongazidingiyo!

Yithathele ingqalelo imikhwa yakho yebhanki: khetha ikhadi elihambelana nemikhwa yakho. Akukho sizathu sokuthatha iinketho zekhadi letyala njenge-inshurensi yokuhamba kwamanye amazwe ukuba awuzange uhambe ngaphandle kwelizwe lakho!

Ukhetha ibhanki ekwi-intanethi: Imirhumo yekhadi letyala ehlawuliswa ziibhanki ze-intanethi ihlala ibiza ngaphantsi kakhulu kuneebhanki zemveli.

???? Isishwankathelo...

Kweli nqaku, andibangi ukuba ndiyakwazi ukukuvumela ukuba uphephe zonke iintlawulo zebhanki. Enyanisweni, iintlawulo zebhanki azinakuze ziphele tu. Unakho nje ukukwazi ukuphepha uninzi lwezi ntlawulo eziza ngendlela yakho.

Zigcine nje ukusuka imikhwa elungileyo yokulawula kwiakhawunti yakho yebhanki. Gcina iliso kwibhalansi yakho kwaye ujonge rhoqo iakhawunti yakho kwi-Intanethi ukunqanda iimpazamo zokuhlawula. Kwaye, ukuba uvakalelwa kukuba awukwazi ukuphepha iifizi zebhanki yakho yangoku, musa ukoyika ukufumana enye ibhanki ekulungeleyo.

Jonga inqaku lethu kwi Qonda ibhanki ngokutyalomali ngcono ukuze ukwazi ukukhetha ibhanki ekulungeleyo.

Qhubeka, undishiye zonke iinkxalabo zakho kwizimvo. Ngaphambi kokuba uhambe, nalu uqeqesho olukufundisayo indlela yokuthengisa iingcebiso kwi-intanethi. Cofa apha ukuze uyithenge.

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