Ukuqonda iakhawunti yangoku yebhanki

Ngubani ongazange abe ne-reflex ukuvula iakhawunti yebhanki yangoku ekuqaleni komsebenzi wobomi? Nangona kunjalo, phakathi kwezibonelelo ezihlukeneyo ezivela kwiibhanki zendabuko okanye ze-intanethi, ukusebenza kwenzala, iindlela zokuhlawula ezinikezelwayo, ulwimi lobugcisa lwabacebisi ... le mveliso yeflegi ekugqibeleni ihlala ingaziwa kuluntu jikelele!

Ngeli nqaku lezemfundo, siyakumema ukuba ekugqibeleni uvule zonke iimfihlo ze-akhawunti yangoku yebhanki. Siza kujongana ngendlela ebambekayo yokusetyenziswa kwayo okwahlukeneyo, eyona misebenzi iphambili enokwenziwa apho kunye neendleko zokwenyani zale nkonzo yemihla ngemihla iyimfuneko.

Ngombulelo kwezi nkcazo ezicacileyo kunye neengcebiso, uya kuqonda yonke into malunga nokusebenza ngokuthe ngqo kwe-akhawunti yangoku ukuze ufumane okuninzi kuyo. Salala ijarigi yeebhanki, kwaye molo ugcino ngokufunda ins kunye nokuphuma kwemveliso yakho yebhanki esisiseko ngokwakho. Apha siya kwinyathelo lethu ngenyathelo decryption!

🥀 Yintoni iakhawunti yangoku?

Les Iiakhawunti zebhanki imisinga ithandwa kakhulu phakathi kweenkampani, iinkampani, iinkampani zoluntu, oosomashishini abadla ngokuba nenani eliphezulu lentengiselwano rhoqo nebhanki.

Inokuvulwa kwiibhanki ezininzi zorhwebo. Ukuba yiakhawunti ye-zero, ihlala idityaniswa neentengiselwano ezinkulu rhoqo. Ngenxa yokungafezeki okubonelelwa kwezi akhawunti, abafumani nzala. Ezi nazo azinamda kwinani lentengiselwano enokwenziwa.

Imali ingafakwa kwaye itsalwe apho nangaliphi na ixesha ngaphandle kwesaziso. Ikwafanelekile ukwenza iintlawulo kubatyalwayo kusetyenziswa iitshekhi. Iitshekhi ezifunyenwe kubathengi zinokufakwa kule akhawunti ukuze ziqokelelwe.

🥀 Iindidi ezahlukeneyo zeakhawunti yangoku

Umthengi unokukhetha phakathi kweentlobo ezininzi zeakhawunti yebhanki. Phakathi kwabo, sifumana:

Iiakhawunti zebhanki zomntu ngamnye

Iakhawunti yebhanki yomntu yeyona akhawunti isetyenziswayo ngoku ehlabathini. Ibhaliswe ngumnini omnye, ekufuneka ibe ngumntu wendalo, i-akhawunti yebhanki nganye ivumela ulawulo lwemali lwemihla ngemihla kunye nokufikelela Ikhadi lebhanki. Namhlanje kunzima ukwenza ngaphandle kolu hlobo lwe-akhawunti yangoku, ebalulekileyo kubomi bemihla ngemihla.

Inokuvulwa ukusuka kwiminyaka eyi-12, kodwa abantwana abangakhululekanga kufuneka bakhatshwe ngumgcini osemthethweni. Abancinci ngokubanzi banekhadi lebhanki eligunyazisiweyo olucwangcisiweyo, elibathintela ukuba bangabikho. Jonga eli nqaku kwiiakhawunti zebhanki kubantwana.

Iiakhawunti zangoku ezidibeneyo

I-akhawunti edibeneyo isebenza ngendlela efanayo ne-akhawunti yebhanki yomntu, ngaphandle kokuba inokubanjwa ngabanini-ndawo abaninzi. Amaxesha amaninzi, zizibini ezibamba iakhawunti edibeneyo. Olu hlobo lweakhawunti luyafikeleleka kubantakwabo ababini, abahlobo ababini, umzali nomntwana...

I-akhawunti edibeneyo ingaba nabanikazi abangaphezulu kwesibini, kodwa kuphela kwiibhanki zendabuko. Iibhanki ezikwi-Intanethi zihlala zithintela umrhumo kubanini ababini. Ukuba kukho abanini abangaphezu kwesibini, i-akhawunti ekhoyo ikwabizwa ngokuba yi-collective account. Ikwabizwa ngokuba yi-akhawunti edibeneyo.

Iiakhawunti zangoku ezingahlulwanga

I-akhawunti yangoku engahlulwanga yi ifana kakhulu kwiakhawunti edibeneyo yangoku, ngenxa yokuba inokubanjwa ngabanini abadibeneyo abaliqela. Umahluko kukuba akukho ntengiselwano yebhanki, nokuba ukuhoxiswa okulula, kunokwenziwa ngaphandle kwesivumelwano sabo bonke abanini-ndawonye.

Le ndlela ingqongqo ngakumbi yokusebenza ayisoloko isetyenziswa ngamaqabane, kodwa liqela labantu abanqwenela, umzekelo, ukulawula ilifa.

Iiakhawunti zangoku ezinxulumeneyo

Okokugqibela, iakhawunti yangoku enxulumeneyo yiakhawunti enikezelwe kwimibutho kunye neenkampani. Le yiakhawunti yemali abanokuthi bafake kuyo izixa zemali baze bazenze zifumaneke kwinkampani.

Kweli nqaku, ndithetha kakhulu ngeeakhawunti zangoku ezinikezelwe kubantu ngabanye. Ndithetha ngokuthe ngqo ngeeakhawunti zebhanki kunye neeakhawunti ezidibeneyo.

🥀 Iintlawulo ze-akhawunti zangoku

Kangangeminyaka emininzi ngoku, iakhawunti ekhoyo ibinxulunyaniswa neentlawulo ezihlala zinyuka zebhanki. Ayisimahla, kude kuyo… ngakumbi kwiibhanki zemveli. I-akhawunti yangoku ibandakanya ezi ntlawulo zilandelayo:

• Imirhumo yokulungisa iakhawunti
• Imali yekhadi letyala
• Iindleko zesiganeko sentlawulo (i-agios, ikhomishini yokungenelela, iileta zolwazi, iindleko zokukhatywa kwe-debit ngqo, njl.)
• Iindleko ezongezelelweyo, ezinxulumene neenketho ezongezelelweyo (izilumkiso ze-SMS, isheke sebhanki, ukukhutshwa kwakhona kwekhadi lebhanki, ukukhutshwa kwakhona kwekhowudi eyimfihlo, iindlela zokuhlawula i-inshurensi, njl.)

Ukuvula iakhawunti yangoku ephantse yasimahla, cela ukhetho lwe iibhanki ze-intanethi. Bakuvumela ukuba wenze i-akhawunti yebhanki kwibhedi yakho. Ngokubanzi, nantsi ungazinciphisa njani iindleko zebhanki yakho eziqhubeka zikhula umhla nezolo.

🥀 Vala i-akhawunti yangoku

I-akhawunti yangoku inokuvalwa ngokuqala kwebhanki okanye umthengi:

Kwinyathelo lebhanki: ibhanki inokuvala i-akhawunti yebhanki ngaphandle kokuzithethelela. Nangona kunjalo, kufuneka inike isaziso seenyanga ezimbini ukuze inike umboleki ixesha lokuvula i-akhawunti kwenye indawo.

Kwinyathelo lomthengi: umthengi usenokuvala iakhawunti yakhe yebhanki simahla nanini na ethanda. Ekuphela kwento afanele ayenze kukuthumela ileta ebhalisiweyo evuma ukuba uyifumene irisithi, axhase ngemali iakhawunti yakhe ukuze imali eseleyo ibe yipositive aze abuyise okanye atshabalalise iindlela zakhe zokuhlawula.

🥀 Umahluko phakathi kwe-akhawunti yokutshekisha kunye ne-akhawunti yokonga

Ekuqaleni, i-akhawunti yangoku kunye ne-akhawunti yokonga isenokubonakala ifana. Kwaye ngesizathu esihle: zombini iiakhawunti zebhanki ezikuvumela ukuba ufake imali yakho ebhankini ngokhuseleko olupheleleyo. Kodwa emva kwale mbonakalo eqhelekileyo fihla imisebenzi eyahlukileyo kakhulu kunye nokusetyenziswa.

Masiqale ngeakhawunti yangoku. Njengoko igama layo libonisa, ngokuyintloko yenzelwe ukulawula imisebenzi yakho yebhanki yemihla ngemihla: bhalisa umvuzo wakho, hlawula ii-invoyisi zakho, uqokelele umvuzo wakho, njl. Ngokucacileyo, yi-akhawunti yenkxaso apho ikhadi lakho lebhanki lincanyathiselwe ukuhlawula iindleko zakho zesiqhelo.

I-akhawunti yangoku ke ngoko yenzelwe a ukusetyenziswa kwentengiselwano. Imali edlula kuyo ayifumani nzala kwaye inokutsalwa nangaliphi na ixesha. Olu fikelelo ngokusisigxina kwiingxowa-mali luyenza ibe yi-akhawunti esebenzayo yonke imihla, kodwa ayilungiselelwanga kakhulu ukukhulisa ukonga kwakho.

Ngokuchaseneyo, i-akhawunti yokonga yenzelwe ukonga. Iisambuku ezibekwe apho ziya kuvelisa inzala ngokuthe ngcembe, nangona iphantsi, kodwa ngomngcipheko ongekhoyo kunye nokufumaneka kwangoko. Imveliso ephakathi phakathi kweqanda lendlwane kunye notyalo-mali.

Ngokwenyani, olu hlobo lweakhawunti ayenzelwanga ukubeka umvuzo wakho okanye ukuhlawula igrosari yakho, phantsi kwesohlwayo seekomishini ezinkulu. Ukusetyenziswa kwayo kuphelele ekubekeni bucala inxalenye yomvuzo womntu, ngenjongo yokwakha a umatrasi wokhuseleko okanye wenze iprojekthi yexesha elizayo.

Njengoko sinokubona, apho i-akhawunti yangoku yenzelwe ulawulo lokusebenza kwansuku zonke, i-akhawunti yokulondoloza inikezelwe ekwakheni ukugcinwa kwemali. Iimveliso ezimbini zebhanki ezineenjongo ezihluke kakhulu ezingafanele zidideke!

Xa zisetyenziswa kakuhle kunye, zikuvumela ukuba uzuze kuzo zombini iingenelo ezisebenzayo zeakhawunti yangoku kunye nenzala efunyenwe kwiakhawunti yokonga. I-synergy egqibeleleyo yokwandisa ulawulo lwakho lwebhanki.

🥀 Iinzuzo zokuba ne-akhawunti yokutshekisha

Ukuvula iakhawunti yangoku ebhankini kuneenzuzo ezininzi mihla le. Nokuba uyayilawula imali yakho okanye wenze iintlawulo, iakhawunti yebhanki ibalulekile. Isishwankathelo seengenelo eziphathekayo onokuzonwabela.

Okokuqala, ukuba ne-akhawunti yangoku kukuvumela ukuba ulawule umvuzo wakho: umvuzo, izibonelelo, umhlala-phantsi, njl.njl. Imali ifika ngqo kwi-akhawunti yakho ngaphandle kokungenelela kwakho. Nantsi indlela eyona ilula kwaye ikhuselekile ukufumana umvuzo wakhe.

Okunye ubukhulu benzuzo: i-akhawunti yebhanki ikunika ukufikelela kuzo zonke izisombululo zentlawulo. Ungawahlawula amatyala akho ngokuthe ngqo okanye uthenge ngekhadi letyala, kwi-intanethi okanye evenkileni. Akusekho bungozi bokusebenzisa imali!

Ngaphaya koko, enkosi kwikhadi lakho lebhanki kunye ne-checkbook yakho, unako ukurhoxisa okanye ukufaka imali 24/24 kwii-ATM. Oku kufumaneka ngokusisigxina kubaluleke kakhulu xa kukho isiganeko esingalindelekanga.

Kwicala lolawulo, iakhawunti yakho yangoku ikuvumela ukuba ulandelele ngokulula iindleko zakho kunye nengeniso enkosi kwiingxelo zebhanki ezineenkcukacha. Ngale ndlela ugcina ulawulo lohlahlo lwabiwo-mali lwakho yonke imihla. Kwaye xa kukho ukusilela, umcebisi wakho webhanki unokukuxhasa.

Njengoko sibona, ukuba neakhawunti yebhanki kwenza lula kwaye kukhuseleke ulawulo lwemali yakho yemihla ngemihla. Phakathi kokulandelwa kokusebenza kunye neenkonzo ezinxulumene nazo, kunzima ukwenza ngaphandle kwayo!

🥀 Ububi bokuba neakhawunti yokutshekisha

Nangona kubalulekile imihla ngemihla, ukuba neakhawunti yangoku kukwaneengxaki ezithile ekufuneka zikhunjulwe. Emva kobulula obucacileyo beakhawunti yebhanki kukwakho nemiqobo ethile.

Okokuqala, ukubamba i-akhawunti yangoku akunjalo ungaze ukhululeke ngokupheleleyo. Ngaphandle kobuncinci bemali ukuyigcina, kuya kufuneka uhlawulele iinkonzo ezithile ozikhethelayo kunye nomrhumo wonyaka weshumi elinesibini leeuro. Ixabiso elibalulekileyo.

Enye into engalunganga, idatha yakho yebhanki kunye neentlawulo zakho ilandwa ngokusisigxina. Nangona oku kubonelela ngokhuseleko, oku kulandelelwa rhoqo komncono okanye intengiselwano kunokubonwa njengohlaselo lwabucala kwabanye.

Kwicala elisebenzayo ke, iiyure zokuvula kunye nemihla emisiweyo yeebhanki zemveli ngamanye amaxesha zinokuthintelwa. Nokuba unokuqhagamshelana nomcebisi wakho okanye wenze imisebenzi ethile, a I-100% ye-neo-bank ehambayo iya kunika ukuguquguquka okukhulu ngakumbi.

Ngaphezu koko, kwenzeka ukuba ukungasebenzi kakuhle kwezobugcisa kubangela ukungafumaneki kwexeshana kweenkonzo zebhanki: ikhadi lebhanki eliphosakeleyo okanye i-ATM, isicelo esiphathwayo esiphantsi kwesondlo, njl njl.

Ekugqibeleni, inqaku lokugqibela elibi lelokuba ukuphindaphindwa kweenkonzo ezibonelelwa ziibhanki zemveli ngamanye amaxesha kunokukhokelela kunikezelo oluntsonkothileyo, ukonakala kokungafihli. Ukufunda phakathi kwemigca yeekhontrakthi kuba yimfuneko ngaphambi kokuba uzibophelele.

Njengoko sibona, ukuba nengxelo yangoku, njengoko iluncedo njengoko injalo, kukwabonisa isabelo sayo semiqobo omele uyilungiselele. Nangona kunjalo, izibonelelo zisangaphezulu kakhulu kuninzi lwabathengi.

🥀I-FAQs

Yintoni iakhawunti yangoku?

I-akhawunti yangoku yiakhawunti yebhanki evulwe ebhankini ukuze ilawule umvuzo wakho wemihla ngemihla, iindleko, iintlawulo kunye nokutsalwa kwemali. Yiakhawunti ephilayo eyenzelwe imisebenzi yemihla ngemihla.

Ngaba iakhawunti yangoku iyahlawula?

yes, ngokuqhelekileyo kuya kufuneka uhlawule ezinye iimali ezinjengeemali ze-akhawunti, iimali zekhadi, iimali okanye iikomishini. Kodwa ihlala isengqiqweni, ukusuka kwi-2-3 € ngenyanga.

Ngaba ndingayikhupha i-akhawunti yam?

Ewe inokwenzeka. Emva koko uya kuxhamla kugunyaziso lwe-ovadrafti, olufakwe kumakhulu ambalwa eeuro, ngokutshintshiselana ngemirhumo kunye nenzala kwimali ebomvu.

Ndiyilandelela njani intengiselwano kwiakhawunti yam?

Ungajongana nebhalansi yakho kunye notshintshiselwano ngexesha lokwenyani simahla ngesicelo sebhanki yakho okanye indawo ye-intanethi. Kwaye iphepha okanye ingxelo ye-elektroniki ipapashwa kanye ngenyanga.

Ngaba kulula ukuvala iakhawunti?

yes, ukuvala kwenziwa ngesicelo esibhaliweyo esilula kwi-arhente yakho. Ibhalansi kunye nentengiselwano yangoku iya kuthi emva koko idluliselwe kwibhanki yakho entsha ukuba uvule enye.

🥀 Ukuvala

Ekupheleni kolu phononongo lubanzi, ukusebenza kweakhawunti yangoku ngokuqinisekileyo akusenamfihlo kuwe!

Sihlalutye iimeko zayo ezahlukeneyo zokusebenzisa ikhonkrithi ukulawula umvuzo wakho, iindleko, iintlawulo kunye nokutsalwa kwemali yonke imihla. Siye sacacisa iinkcazo zebhanki kunye nolwimi lobugcisa lwabacebisi kwinqanaba ngenqaku ukuze sibone ngokucacileyo ngoku. Kwaye sihlolisise iingenelo eziphambili kunye nokungonakali kule ntsika yebhanki ukuze sizuze kwiinzuzo zayo ngaphandle kokumangalisa okungathandekiyo.

Ngoku ukulungele ukuvula i-akhawunti yangoku ngolwazi olupheleleyo lweenyani okanye ubuze imibuzo echanekileyo kumgcini-bhanki wakho ukuze wandise le osele unayo. Zonke iikhowudi zeakhawunti yebhanki zisiwe kwitreyi ukuze uthuthuzeleke ngokwezemali!

Ngoku kukuwe ukuba uthenge phakathi kwezibonelelo ezahlukeneyo kwimarike ukuze ufumane olona khetho lunomtsalane ngokweemfuno zakho. Ugcino olukhulu!

Ndishiye izimvo zakho kwi comments