Iibhanki ezikwi-Intanethi: zisebenza njani?

I-Intanethi iguqule umhlaba kwaye ngoku inkampani ibonwa ngokwahlukileyo. Ngaphambili, kwakunzima okanye akunakwenzeka ukuxhamla kwinkonzo ngaphandle kokushiya intuthuzelo yebhedi yakho. Kodwa namhlanje iqhelekile. Phantse yonke ishishini namhlanje unikezela ngeenkonzo zasekuhlaleni nge-Intanethi. Kumashishini eenkonzo afana neebhanki, iteknoloji iqhubele phambili ngakumbi ukwenza oku. Yiyo le nto sinayo ibhanki ye-intanethi ngoku.

Ngoku ungathenga okanye uthengise iinkonzo zakho ebhedini yakho, indawo yakho yeenkonzo, ngokufutshane naphi na apho ukhoyo. Iibhanki zakuqonda oku ngokukhawuleza. Sikwixesha lebhanki ye-intanethi. Kodwa yintoni ibhanki ye-intanethi?

Nokuba imbali yeebhanki ezikwi-Intanethi ibuyela kwiminyaka yoo-1980, kufuneka kuthiwe iibhanki ezikwi-Intanethi ziyazazi iibhanki zabo. ukukhula ngaphantsi kweminyaka eyi-15 eyadlulayo. Sele ziphantse ukuba ziyimfuneko. Ngaba uyazi ukuba kutheni? Hayi… Ukubhankisha kwi-Intanethi kukuvumela ukuba ulawule iakhawunti yakho yebhanki kwi-Intanethi usebenzisa ikhompyutha okanye isixhobo esiphathwayo.

Akusekho mfuneko yokuba uye kwisebe lebhanki ukuze wenze iintengiselwano zakho. Unokwenza ibhanki yakho xa ikulungele kakhulu, kuquka ngaphandle kweeyure eziqhelekileyo zebhanki. Kweli nqaku ndithetha nawe malunga neebhanki ze-intanethi.

🌿 Yintoni ibhanki ye-intanethi?

Ibhanki ye-intanethi yibhanki ekuvumela ukuba ulawule zonke iintengiselwano zakho zebhanki kwi-intanethi usebenzisa i-smartphone yakho okanye ikhompyuter yakho eqhagamshelwe kwi-intanethi.

Ngebhanki enjalo, unokuhlawula amatyala, utshintshe imali, ufake isicelo semali mboleko, udiphozithe itshekhi kwaye uqinisekise ukuthengiselana kunye ibhalansi yeakhawunti yeakhawunti yakhoe.

Enye yeenzuzo ezazinazo iibhanki zemveli kwiibhanki ezikwi-intanethi yayikukukwazi ukutsala imali usebenzisa i-ATM. Kodwa ngokwandayo, iibhanki ezikwi-intanethi zikwabonelela ngokufikelela kwinethiwekhi yee-ATM simahla.

🌿 Zisebenza njani iibhanki ze-intanethi?

Iinkonzo zebhanki ezikwi-Intanethi zenzelwe ukuba kube lula ngakumbi kuneebhanki zemveli. Bakuvumela ukuba ugcine ixesha kunye nebhanki kwishedyuli yakho.

Ukubhankisha kwi-Intanethi kukunika zonke iinkonzo zebhanki zemveli, ukuqala ngokuvulwa kweakhawunti. Nazi ezinye iinkonzo ezibonelelwa ziibhanki ze-intanethi.

✔ Ukuvulwa kwee-akhawunti

Unokuvula ukujonga, ukonga kunye nezinye iintlobo zeeakhawunti kwi-intanethi. Rhoqo ungakwenza oku ngaphandle kokuprinta okanye usayine nantoni na ngokwasemzimbeni.

Ngesakhono sotyikityo lwe-elektroniki, yonke inkqubo ngoku inokuthatha ngaphantsi kwemizuzu emi-10. Ixesha elaneleyo nje lokugcwalisa ulwazi olufunekayo. Ukuba ungumthengi weziko lezemali elibonelela ngeenkonzo zebhanki kwi-intanethi, ungabhalisela ukufikelela kwi-intanethi ngewebhusayithi yelo ziko.

Nazi izinto ekufuneka ubenazo ukuze uxhamle kwiinkonzo zebhanki ezikwi-Intanethi:

Uya kufuna okufanayo ngaphandle kwenombolo ye-akhawunti yebhanki ukuze uvule i-akhawunti ngebhanki ye-intanethi kuphela apho uya khona abanalo ubudlelwane obukhoyo. Usenokucelwa uqinisekiso olongezelelweyo lwesazisi, olufana nelayisenisi yokuqhuba.

Ukubhalisa kubandakanya ukuseta igama lokungena (ngokuqhelekileyo idilesi yakho ye-imeyile) kunye negama lokugqitha. Nje ukuba ubhaliso lwakho lugqityiwe, ungangena kwiakhawunti yakho.

✔ hlawula amatyala

Endaweni yokubhala iitshekhi zokuhlawula amatyala, ibhanki yakho inokuprinta kwaye ikuthumelele itshekhi. Kodwa ngenxa lula ngakumbi, unakho ukuthumela imali kumamkeli nge-elektroniki. Nokuba imali osibambayo iyatshintsha nyanga zonke.

✔Ukudluliselwa kwemali

Ukuba ufuna ukudlulisela imali kwi-akhawunti yakho yokutshekisha ukuya kwiakhawunti yakho yokonga okanye kwisiqinisekiso sedipozithi, ungakwenza oku. udluliselo lwangaphakathi lwebhanki kwi-intanethi.

Ungadibanisa iiakhawunti zakho kwiibhanki ezahlukeneyo okanye uthumele imali kusapho lwakho phantse ngoko nangoko.

✔ Faka isicelo semali-mboleko

Ngeakhawunti yakho yebhanki ekwi-Intanethi unokuxhamla kwimali mboleko yakudala. Gcwalisa ngokulula isicelo sakho kwi-intanethi khawulezisa inkqubo yokuqinisekisa ukunyibilika.  

Abanye ababoneleli benkonzo yezemali abanikezela ngezicelo zemboleko-mali kwi-Intanethi benza ukuba imali ifumaneke kwangolo suku luvunyiweyo lwemali mboleko. Abanye ababolekisi abasebenzisa i-intanethi ngokupheleleyo banokwenza izigqibo zemboleko ngoko nangoko.

✔ Idiphozithi yeetshekhi

Xa uhlawula ngetshekhi, kunjalo lula ukufaka ukuba itshekhi kwiakhawunti yakho. Ngapha koko, ukuba unefowuni ehlakaniphile, vele wenze ifilimu ngetshekhi nge-app yebhanki yakho kwaye uyithumele ukuba ihlawulwe. Ngoko ke akukho mfuneko yokuba uyithumele ngeposi. Yintoni entsha?

✔ Jonga imbali yakho yentengiselwano

Ngokubhankisha kwi-intanethi unokujonga imbali yakho. Kuya kufuneka ukwazi ukukhangela ukuthengiselana ngexesha kunye nohlobo, olufana nentlawulo yekhadi letyala.

✔Hlala unolwazi

Enye inzuzo enkulu yebhanki ye-intanethi yi ukukwazi ukuqwalasela izilumkiso. Unokufumana i-SMS okanye i-imeyile xa ibhanki yakho iqaphela intshukumo. Isilumkiso sinokuthunyelwa kuwe ukuba ibhalansi yakho ingaphantsi kwesixa esithile. Unokwaziswa xa imali efakiweyo ikhona kwaye xa itshekhi isusiwe.

Ezi zilumkiso zinkulu ngeenjongo zolwazi. Okungakumbi, banokukunceda khawuleza uyeke izenzo zolwaphulo-mthetho. Ngeli xesha unokuqhagamshelana nebhanki yakho ngoko nangoko kwaye ubacele ukuba bathintele umbhali ekukhupheni iakhawunti yakho.

🌿 Ibhanki ye-Intanethi okanye ibhanki yemveli: yeyiphi onokuyikhetha?

Njengoko uya kuqonda, akusekho mdla wokwenene namhlanje ekugcineni i-akhawunti yebhanki kwibhanki yendabuko. Ngaphandle kokuba ufuna ukugcina unxibelelwano lomzimba nombhanki wakho.

Kukho izibonelelo ezibalulekileyo ezinokuzuzwa ngokusebenzisa ibhanki olawula ngayo i-akhawunti yakho ye-intanethi kuphela. Kodwa iibhanki zemveli nazo zineenzuzo. Nanku uqezinye iinqobo zothelekiso:

✔ Eyona nzala ingcono

Iibhanki ezikwi-Intanethi kuphela zikholisa ukunika inzala ephezulu yonyaka kwiidiphozithi zakho. Isizathu esinikiweyo kukuba azisebenzisi ngaphezulu njengeebhanki ezibonakalayo okanye zemveli.

Nangona kunjalo, ulwahlulo lwe-intanethi lwezinye iibhanki zemveli zinokubonelela ngamaxabiso okhuphiswano. Iibhanki ezikwi-Intanethi zikwathanda ukubonelela ngenzala ephantsi kwimali-mboleko.

Ngokwale khrayitheriya ke ngoko, kububulumko ukuthenga ngeenxa zonke kwaye uthelekise amaxabiso ebhanki e-intanethi kunye nesiqhelo ukuze ufumane eyona ndlela ilungileyo. Kodwa uya phantse ihlala ingcono kwi-intanethi.

✔️ Iibhanki ezikwi-Intanethi: limirhumo ephantsi

Iibhanki ezikwi-Intanethi kuphela zihlawulisa imali ephantsi kuneebhanki zemveli.

Oku kuziphatha kuhamba kunye, iibhanki zemveli nazo zihlawula inzala eninzi kwiimali-mboleko. Enyanisweni, abafane bahlawulise imirhumo yeenkonzo ezithile okanye ngokungawugcini umndilili ophakathi oseleyo.

✔ Umda wentengiselwano yangaphakathi-mntu

Nangona ibonelela ngokukwazi ukufaka iitshekhi ngediphozithi ephathwayo okanye ukurhoxisa imali ngee-ATM ezidibeneyo, ibhanki ye-intanethi isenokungabi lula ukuba rhoqo ukwenza iidipozithi ezinkulu okanye ukutsala imali kwaye kufuneka wenze njalo ngomatshini webhanki.

Ezinye iibhanki zinomda wediphozithi yemihla ngemihla kwaye zifuna ukuba undwendwele i-ATM. Oku kunokuba nzima ukuba ibhanki yakho ayinayo inethiwekhi ebanzi ye ii-ATM zasimahla okanye isebe elikufutshane.

Uninzi lweebhanki lubeka imida yemihla ngemihla kwisixa onokuthi urhoxe kwii-ATM.

Ukuba ufuna imali ethe kratya kwaye awukwazi ukukholisa ibhanki yakho ukuba yonyuse umda, kuya kufuneka ucele imali kwangaphambili, ongenakuyenza ukuba awukwazi ukufikelela kwisebe.

Iibhanki zemveli zinokubonelela ngeenkonzo ze-notary, iibhokisi zedipozithi ezikhuselekileyo kunye neetshekhi zebhanki. Iibhanki ze-Intanethi ngokubanzi azikwazi.

✔ Imiba enxulumene neTekhnoloji

Ukuba awukhululekanga ngetekhnoloji, ukubhankisha kwi-Intanethi kunokuza nomphezulu wokufunda. Ngaphezu koko, kuvela iingxaki. Ukuba ikhompyuter yakho okanye i-smartphone-okanye inkqubo yebhanki- yophukile usenokuhlehlisa intengiselwano engxamisekileyo.

Kwiimeko ezinzima ezifana nemiba yenkonzo yabathengi, unokuxhamla kwintlanganiso yobuso ngobuso kwibhanki yendabuko.

✔ Imiba yokhuseleko

Ngeendlela ezininzi, ukubhankisha kwi-Intanethi kukhuseleke ngakumbi kunebhanki yemveli. Idiphozithi ngokuthe ngqo yomvuzo wakho kwiakhawunti yakho yebhanki iyawuphelisa umngcipheko wokuba umntu ebe itshekhi yakho ngeposi.

Kwakhona, akukho mntu unokukopa ulwazi lweakhawunti yakho kwiitshekhi ozithumelayo. Iikhompyutha zebhanki zithumela le ngcaciso emva naphambili ngokukhuselekileyo, ngaphandle kokuyigcina.

Kwimeko yobuqhetseba okanye iimpazamo kwi-electronic funds transfer, umthetho uhlala ukhusela wena, kunikezelwe ukuba wenze ngokukhawuleza.

🌿 Ezona bhanki zibalaseleyo kwi-intanethi

Ukukhetha eyona bhanki ingcono kwi-intanethi ihlala ixhomekeke kwiimfuno zomntu ngamnye. Nangona kunjalo, ezinye iibhanki ze-intanethi zihlaziywa kakuhle ngeenkonzo zazo, ukufikeleleka kunye namazinga okhuphiswano.

Nceda uqaphele ukuba ulwazi lunokutshintsha, luhlala lucetyiswa ukuba uhlolisise iimeko zangoku ngaphambi kokuba wenze isigqibo. Nazi iinkcukacha ezithe vetshe kwezinye zezona bhanki zibalaseleyo kwi-intanethi

⛳️ IBhanki yeBoursorama

I-Boursorama Banque yenye yeebhanki ezidumileyo kwi-intanethi eFransi, ebonelela ngoluhlu olupheleleyo lwe iinkonzo zebhanki nezemali. Licandelo eliphantsi kweSociété Générale, enye yeebhanki ezinkulu zaseFransi. Olu nxulumano luzisa ukuqina kwezemali kwiibhanki ze-intanethi.

I-Boursorama Banque inikezela ngeakhawunti yangoku kunye neemveliso zogcino nge ikhadi lebhanki lasimahla, ngaphandle kweentlawulo zokugcinwa kweakhawunti. I-akhawunti yangoku inikezela ngeempawu zanamhlanje, ezifana nolawulo lwe-intanethi, ithuba lokwenza ukudluliselwa kunye nokutsalwa kwemali ngokuthe ngqo, kunye nezixhobo zokulawula uhlahlo lwabiwo-mali.

I-Boursorama Banque ikwabonelela ngeenkonzo zemarike yemasheya ngokufikelela iqonga lokurhweba. Abathengi banokutyala imali kwimarike yemasheya, bathenge kwaye bathengise amasheya, kwaye bafikelele kuhlalutyo lwemali. Ikhadi lebhanki le-Visa Premier lihlala linikezelwa simahla kubathengi abahlangabezana neemfuno ezithile, ezidla ngokubandakanya ubuncinci benyanga yengeniso okanye ibhalansi yeakhawunti.

Ibonelela ngenkonzo yabathengi kunye a i-app yeselula ecacileyo evumela abathengi ukuba balawule iiakhawunti zabo, balandele inkcitho yabo, kwaye bafikelele kwiinkonzo zabo zebhanki nangaliphi na ixesha. Igqamile kwimirhumo yayo yokukhuphisana, ngakumbi ukungabikho kwemirhumo yokugcinwa kwe-akhawunti kunye nemilinganiselo enenzuzo yeentengiselwano zangoku.

⛳️ ING

I-ING, eyayifudula ibizwa ngokuba yi-ING Direct, izimise ngokuqinileyo njengebhanki ye-intanethi yamazwe ngamazwe, esebenza kumazwe aliqela kwihlabathi jikelele. Imodeli yayo isekelwe kunikezelo lwenkonzo yebhanki ekude, ukuphelisa imfuno yamasebe abonakalayo.

Inika iimveliso zogcino kunye neakhawunti yangoku ngaphandle kweentlawulo zokugcinwa kweakhawunti, ehamba nekhadi lebhanki lasimahla. Lo mnikelo ubandakanya uluhlu olupheleleyo lweempawu, ezivumela abathengi ukuba benze iintengiselwano zemihla ngemihla kwi-intanethi ngokulula okukhulu.

I-ING ibonelela ngezisombululo zetyala kunye nemali-mboleko, ezigubungela iimfuno ezahlukeneyo ezifana nemali-mboleko yepropathi, imali-mboleko yobuqu, kunye nekhredithi yomthengi. Oku kuvumela abathengi ukuba bafikelele kwiinketho zemali eziguquguqukayo.

Kwabo banomdla kutyalo-mali kwimarike yemasheya, i-ING inikezela iinkonzo ezipheleleyo zemarike yemasheya. Abathengi banokusebenzisa amaqonga okurhweba kwi-intanethi ukulawula iiphothifoliyo zabo kunye nokutyala imali ngendlela enolwazi.

⛳️ Molo Bank

Molo iBhanki ibonelela ngeeakhawunti zangoku ezineempawu ezinjengokudluliselwa, ukutsalwa kwemali ngokuthe ngqo, iintlawulo ze-intanethi kunye neengxelo iakhawunti ye-intanethi. Unokuzivula iiakhawunti zokulondoloza imali ngeMolo Bank, kuquka ii-akhawunti zokulondoloza rhoqo, ii-akhawunti zexesha kunye neeakhawunti zokulondoloza abantwana. Ezi akhawunti ngokubanzi zibonelela ngenzala ekhuphisanayo.

Molo Bank inika uluhlu lwamakhadi ngetyala ukuze ihambelane neemfuno ezahlukeneyo, kunye nezibonelelo ezifana iinkqubo ukunyaniseka, inshorensi kunye izibonelelo zentlawulo. Ungafaka isicelo semali mboleko yobuqu okanye imali mboleko yezindlu kwi-Molo Bank, kunye nemigaqo yokhuphiswano kunye namaxabiso.

Molo iBhanki ibonelela ngeqonga elisebenziseka lula kwi-intanethi apho unokulawula iiakhawunti zakho, wenze intengiselwano, udibane neyakho. ukufundwa kunye nenkonzo yoqhagamshelwano yabathengi.

⛳️ Ukuvukela

Revolut yibhanki ye-intanethi enikezela ngeenkonzo zebhanki ezintsha ezibandakanya ii-akhawunti zangoku, amakhadi okuthenga ngetyala, ukudluliselwa kwemali kumazwe ngamazwe kunye notshintshiselwano lwemali.

Nge-Revolut, unokuthengiselana kwi-intanethi okanye nge-app ephathwayo, uyenze ibe lukhetho olulungele abantu abahamba rhoqo okanye abafuna ukudlulisela imali phesheya.

I-Revolut ibonelela ngeeakhawunti zangoku zasimahla ezineempawu ezifana nokudluliselwa, ukutsalwa kwemali ngokuthe ngqo kunye neentlawulo ze-intanethi. Ibonelela ngekhadi letyala le-Mastercard okanye i-Visa ngezibonelelo ezinjengeenkqubo zokuthembeka, i-inshurensi kunye nezibonelelo zentlawulo.

Ungathumela imali kumazwe angaphandle ngamaxabiso otshintshiselwano akhuphisanayo ngeRevolut. Iqonga lixhasa ngaphezu 30 zemali. I-Revolut ikuvumela ukuba utshintshise ngemali ngexabiso elikhulu lokutshintshiselana, ngaphandle kweentlawulo ezifihliweyo.

🌿 Iikhrayitheriya zokuthelekisa iibhanki ezikwi-Intanethi

Xa uthelekisa iibhanki ze-intanethi, kubalulekile ukuqwalasela iindlela ezininzi zokukhetha eyona ifanele iimfuno zakho. Nazi ezinye zezona nqobo zibalulekileyo ekufuneka ziqwalaselwe:

⛳️ Iintlawulo zebhanki, inqaku eliphambili lokwahlula

Inzuzo ephambili yebhanki ye-intanethi yindleko ephantsi xa kuthelekiswa nokusekwa kwendabuko. Makhe sijonge ukuba zeziphi iibhanki ezibalaseleyo ngeshedyuli yazo enomtsalane yomrhumo. 💳

Bank	Imirhumo yokulungisa iakhawunti	Ikhadi lebhanki	I-SEPA intlawulo yokudluliselwa
✨ Boursorama	free	Umzobo	Simahla
✨ING	free	Umzobo	Simahla
✨ Molo bank!	free	Umzobo	Simahla
✨ Ibhanki yaseOrenji	free	Umzobo	Simahla
✨ Ukuvukela	free (Imali ehlawulwayo)	Umzobo (intsimbi ehlawulweyo)	Simahla
✨ N26	free (Imali ehlawulwayo)	Umzobo	Simahla

Kwimirhumo ye-akhawunti yangoku, i-Boursorama, i-ING, i-Molo Bank kunye ne-Orange Bank zigqama ngentlawulo yasimahla iyonke. Nceda uqaphele ukuba ezinye iibhanki zihlawulisa le ntlawulo ngaphaya kwe-a idiphozithi ethile.

Kwicala lekhadi letyala, uninzi lunikezela ikhadi simahla kunye debit kwangoko, kunye neenketho ezihlawulelwayo zekhadi leprimiyamu. Ngeentlawulo zekhadi phesheya, khumbula ukujonga nayiphi na imali.

Ekugqibeleni i Udluliselo lwe-SEPA ngee-euro lusimahla ngokubanzi. Amanye amaziko ahlawulisa udluliselo olukhawulezileyo kunye nokhutshelo olungelulo lwe-SEPA.

⛳️ Gqibezela kunye neenkonzo zebhanki zanamhlanje

Ezona bhanki zinomtsalane kwi-intanethi zibonelela ngoluhlu olupheleleyo lweenkonzo, ezifumaneka ngokupheleleyo kwi-intanethi nangeselula. ✅ Makhe sibone iimpawu eziphambili ezinikezelwayo.

Bank	Ulawulo lweakhawunti	Amakhadi ebhanki	Imivuzo	Iyagcina	Bourse	I-inshorensi
Boursorama	✅	✅	✅	✅	✅	✅
ING	✅	✅	✅	✅	✅	✅
Molo bhanki!	✅	✅	✅	✅	✅	✅
Ibhanki e-Orenji	✅	✅	✅	✅	✅	✅
Revolut	✅	✅	❌	✅	❌	❌
N26	✅	✅	❌	✅	❌	❌

Ngokungathandabuzekiyo, i-Boursorama kunye ne-ING zahlulwa ngoluhlu olupheleleyo olugubungela zonke iinkonzo zebhanki zemveli. Molo Bank kunye neOrange Bank nazo zibonelelwe kakuhle kakhulu.

I-Revolut kunye ne-N26 inomnikelo olinganiselwe ngakumbi, ogxile kwii-akhawunti zebhanki kunye namakhadi. Iinkonzo zogcino-mali, zetyala okanye ze-inshorensi azikho okanye zincitshisiwe. Ngokubhekiselele kwizixhobo zokulawula, zonke ezi bhanki zibonelela nge-interfaces zangoku kunye ne-ergonomic, kunye ne-apps ezilinganiswe kakuhle. Umgangatho wedijithali ukhona.

⛳️ Iimeko ezahlukeneyo zokufaneleka ngokuxhomekeke kwibhanki

Ngaphambi kokuba uzibophelele, khumbula ukujonga iimeko zokufaneleka zebhanki ekwi-intanethi enomdla kuwe. ✅ Iikhrayitheriya zinokwahluka. I-Boursorama, ING kunye ne-Molo Bank zinyanzelisa kuphela ukuba neminyaka esemthethweni kunye nomhlali werhafu waseFransi. IOrange Bank icela ukuba ngumthengi ohambahambayo weOrange.

e I-Revolut kunye ne-N26, ukuvulwa kwakhona kugcinelwe abemi abadala baseYurophu. Nceda uqaphele, iRevolut ngoku ibeka a ubuncinci umvuzo wonyaka we-€24.

Ngaphandle kweemeko eziqhagamshelwe kwiprofayile yakho, ezinye iziseko zikwathintela inani leeakhawunti ezinokubakho ngomntu ngamnye. Ngaloo ndlela i-Boursorama imida kwii-akhawunti ze-2 ngomntu ngamnye, ngelixa i-N26 ibeka umda kwi-akhawunti enye.

⛳️ Yeyiphi ibhanki ongayikhetha kwiakhawunti edibeneyo okanye iakhawunti yepro?

Ngaba ufuna iakhawunti edibeneyo yokulawula uhlahlo lwabiwo-mali kunye? Okanye iakhawunti yobungcali ezinikele kumsebenzi wakho? Kwakhona, ayizizo zonke iibhanki ze-intanethi ezenziwe zilingana. 👥👨‍💼

Ngeakhawunti edibeneyo, I-Boursorama, i-ING kunye ne-Molo Bank zibonelela ngokhetho olungenamiqathango. I-Revolut nayo iyayivumela, kubhaliso oluhlawulweyo. I-Orange Bank, i-N26 kunye ne-Nickel, nangona kunjalo, bayala ukuvula ii-akhawunti ezidibeneyo.

Kwicala lobuchwephesha, I-Boursorama ifaneleke kakhulu kunye ne-Corporate Banking offer yayo. I-ING ibonelela nge-ING Pro ngamaxabiso aluncedo. Ngaphandle koko, iifintech ezifana neQonto okanye uMphathi omnye kufuneka ziqwalaselwe.

⛳️ Yeyiphi i-inshurensi kunye nokhuseleko lweendlela zokuhlawula?

Xa kukho ingxaki, kuyaqinisekisa ukuxhamla kwi-inshurensi eqinileyo kunye neziqinisekiso kwiindlela zakho zokuhlawula. 🔒 Kuthekani ngeebhanki ze-intanethi?

Uninzi lwamaziko abonelela nge-inshurensi yakudala:

• Ukukhuselwa kweendlela zokuhlawula
• Isiqinisekiso sokuthenga nge-Intanethi
• Ukurhoxiswa ngokungxamisekileyo kwimeko yokulahleka kwekhadi
• I-inshurensi yokuhamba

Jonga iisilingi zokhuselo ukuqinisekisa ukhuseleko olwaneleyo. Kwityala xa kukho intengiselwano yobuqhophololo, umthetho udla ngokuvala loo mthengi kwi-50 yee-euro. I-Revolut igqame nayo zero liability.

🌿 Yintoni efumanekayo yenkonzo yebhanki ekwi-intanethi emva kokuthengisa?

Ngaphandle kokwenziwa kwedijithali, kuyaqinisekisa ukuba ukwazi ukufikelela ngokulula kumcebisi wakho ukuba kuyimfuneko. 🤝 Makhe sibone ukufikeleleka kwenkonzo emva kokuthengisa iibhanki ezikhokelayo kwi-intanethi.

I-Boursorama, ING kunye neebhanki ezidityaniswe nenethiwekhi ebonakalayo zibonelela ngenkonzo epheleleyo yabathengi: umnxeba, incoko, iinethiwekhi zentlalo. I-Revolut kunye ne-N26 igxile kwi inkxaso ye-intanethi. Amaxesha okuphendula anokuba made ngexesha elixakekileyo. Zilindele kwangaphambili izicelo zakho.

Kuyo nayiphi na imeko, kwimeko kaxakeka inkonzo ubuncinane bufakwe kwi-inshorensi iintsuku ezisi-7 ngeveki, iiyure ezingama-7 ngosuku, ngenxa yokuvalwa kwekhadi umzekelo.

🚀Ibhanki ye-intanethi VS yebhanki yemveli

Iibhanki ezikwi-Intanethi kunye neebhanki zemveli zineyantlukwano ebalulekileyo kwindlela ezisebenza ngayo kunye neenkonzo abazinikezelayo. Nazi ezinye zeeyantlukwano eziphambili phakathi kweentlobo ezimbini zeebhanki:

iindleko

Iibhanki ezikwi-Intanethi zihlala zinemirhumo ephantsi yeenkonzo zebhanki ezisisiseko, ezinjengokukhangela ii-akhawunti namakhadi okuthenga ngetyala. Oku kungenxa yokuba abanazo iindleko ezinxulumene nokulawula uthungelwano lwamasebe abonakalayo, njenge irenti, iindleko zabasebenzi nezokugcina.

ufikelelo

Iibhanki ezikwi-Intanethi ziyafumaneka iiyure ezingama-24 ngosuku, iintsuku ezisi-24 ngeveki, nto leyo eyenza ukuba zifikeleleke ngakumbi kuneebhanki zemveli ezinexesha eliqingqiweyo lokuvula. Ukongeza, iinkonzo ze-intanethi zivumela abathengi ukuba balawule ii-akhawunti zabo zebhanki nakweyiphi na indawo, ngaphandle kokutyelela isebe lomzimba.

iinkonzo

Iibhanki ezikwi-Intanethi zihlala zibonelela ngeenkonzo ezintsha neziluncedo kuneebhanki zemveli, ezinjengolawulo lweakhawunti nge-app ephathwayo, ukudluliselwa kwemali kumazwe ngamazwe ngexabiso eliphantsi, kunye namakhadi okuthenga ngetyala aneenkqubo zokuthembeka.

Nangona kunjalo, ezinye iibhanki zemveli nazo ziqala ukubonelela ngeenkonzo ze-intanethi ukukhuphisana neebhanki ze-intanethi.

Ubudlelwane babathengi

Iibhanki zemveli ngokubanzi zinobudlelwane bomthengi wobuqu, kunye nabacebisi abakhoyo kumasebe ukuphendula imibuzo kunye nokubonelela ngeengcebiso zemali.

Iibhanki ezikwi-Intanethi zinokubonelela ngenkonzo yabathengi ngefowuni okanye ngencoko ebukhoma, kodwa oku akunakuze kube kwenzelwa umntu njengenkonzo yabathengi yangaphakathi.

yokhuseleko

Iibhanki ezikwi-Intanethi zihlala zithathwa njengezikhuselekileyo njengeebhanki zemveli kuba zisebenzisa itekhnoloji ephezulu ukukhusela idatha kunye nokuthengiselana.

Nangona kunjalo, abanye abathengi banokukhetha ukhuseleko olongezelelweyo olunikezelwa lisebe elibonakalayo xa besenza intengiselwano ebalulekileyo yebhanki.

Ekugqibeleni, ukukhetha phakathi kwebhanki ye-intanethi kunye nebhanki yendabuko kuya kuhla kwizinto ozikhethayo kunye neemfuno ezithile zebhanki. Kubalulekile ukuthelekisa izibonelelo kunye neendleko zeenketho ezahlukeneyo ngaphambi kokuba wenze isigqibo.

🌿Ushwankathelo...

Iibhanki ze-intanethi ziguqule icandelo lebhanki ngokunikezela ngeenkonzo ezifanelekileyo, iyafikeleleka kwaye ifikeleleka kumntu wonke. Basebenza ngeeplatifti zedijithali ezintsha ezivumela abathengi ukuba balawule ii-akhawunti zabo, benze iintengiselwano kunye nokufikelela kuluhlu lweenkonzo zebhanki, zonke zivela kwinduduzo yekhaya okanye ekuhambeni.

Ngemirhumo ephantsi, iinkonzo eziguquguqukayo kunye 24/24 ukufikelela, Iibhanki ezikwi-Intanethi ziye zakwazi ukutsala abathengi abaninzi abafuna enye indlela kwiibhanki zemveli. Abathengi banokuvula iiakhawunti zangoku, bagcine, bafumane iimali-mboleko kwaye benze ukudluliselwa kwemali kumazwe ngamazwe ngokucofa nje okumbalwa.

La sécurité yeyona nto iphambili kwiibhanki ze-intanethi, ezisebenzisa ubugcisa obuphambili ukukhusela idatha yabathengi babo kunye neentengiselwano. Ukongeza, uninzi lweebhanki ezikwi-Intanethi zibonelela ngenkonzo yabathengi ephendulayo ngefowuni, incoko ebukhoma, okanye i-imeyile ukuphendula imibuzo kunye nokusombulula imiba ngokukhawuleza.

FAQ

Umbuzo: Yintoni ibhanki ye-intanethi?

A: Ibhanki ye-intanethi liziko lezemali elibonelela ngeenkonzo zebhanki ngokusebenzisa amaqonga edijithali afana newebhusayithi kunye nezicelo zeselula, ngaphandle kokuba nobukho bomzimba ngendlela yamasebe angokwenyama.

Umbuzo: Ngaba iibhanki ze-intanethi zikhuselekile?

A: Ewe, Iibhanki ezikwi-Intanethi ziphumeza amanyathelo okhuseleko aphambili ukukhusela idatha yabathengi babo kunye neentengiselwano. Oku kuquka ukusetyenziswa koguqulelo oluntsonkothileyo, ukuqinisekiswa kwezinto ezimbini kunye nemigaqo yokhuseleko engqongqo.

Umbuzo: Ndingaqhagamshelana njani nenkonzo yabathengi kwibhanki ye-intanethi?

A: Iibhanki ezikwi-Intanethi zibonelela ngeenketho ezininzi zokuqhagamshelana nenkonzo yabo yabathengi, njengokufowuna, iincoko ezibukhoma kwiwebhusayithi yabo okanye i-app yeselula, okanye nge-imeyile. Iinkcukacha zoqhagamshelwano zenkonzo yabathengi zidla ngokufumaneka kwiwebhusayithi yebhanki.

Umbuzo: Ngaba ndingayenza imali ngebhanki ye-intanethi?

A: Uninzi lweebhanki ezikwi-Intanethi azinawo amasebe aphathekayo ukwenza utshintshiselwano ngemali. Nangona kunjalo, ezinye iibhanki ze-intanethi zinobudlelwane kunye noomatshini abazenzekelayo (ATM) ukuvumela abathengi ukuba bakhuphe imali.

Umbuzo: Ziziphi izinto eziluncedo kwiibhanki ze-intanethi xa kuthelekiswa neebhanki zemveli?

IMPENDULO: Iinzuzo zokubhankisha kwi-intanethi ziquka imirhumo ephantsi ngokubanzi, ukufikelela kwi-24/24, iinkonzo ezivelisa izinto ezintsha ezifana nokudluliselwa kwemali yamazwe ngamazwe ngexabiso eliphantsi, kunye namava asebenzisekayo aluncedo ngakumbi enkosi kwiiplatifti zedijithali .

Umbuzo: Ndingayifumana imali mboleko yendlu kwibhanki ye-intanethi?

A: Ewe, ezinye iibhanki ze-intanethi zibonelela ngemali mboleko yezindlu. Nangona kunjalo, iindlela zokufaneleka kunye neemeko zinokwahluka ukusuka kwibhanki ukuya kwibhanki, ngoko kuyacetyiswa ukuba uhlolisise izibonelelo ezithile zebhanki nganye.

Umbuzo: Ndiyenza njani idipozithi kwibhanki ye-intanethi?

A: Iibhanki ezikwi-Intanethi zibonelela ngeendlela ezininzi zokwenza idipozithi, kubandakanywa ukudluliselwa kwefowuni kwenye iakhawunti yebhanki, jonga iidiphozithi nge-app ephathwayo, okanye iitshekhi zokuposa.

Umbuzo: Ngaba iibhanki ze-intanethi zibonelela ngeenkonzo zoshishino?

A: Ewe, ezinye iibhanki ze-intanethi zikwabonelela ngeenkonzo zebhanki zoshishino, ezifana neeakhawunti zoshishino, izisombululo zentlawulo kubathengisi, kunye neenkonzo zemali ezilungiselelwe iimfuno zoshishino.

Ngaba iibhanki ze-intanethi ziyabiza? Ngaba kukho nayiphi na imirhumo efihliweyo?

Zihlala zisimahla okanye zinemirhumo encinci yenyanga, ephantsi kakhulu kuneebhanki eziqhelekileyo. Kwaye akukho ntlawulo zifihliweyo: yonke into iboniswa ngokucacileyo.

Zeziphi izinto eziluncedo kwiibhanki ze-intanethi xa kuthelekiswa neebhanki zemveli?

Iinzuzo eziphambili ngamaxabiso anomtsalane, ukufikelela kweeyure ezingama-24 ngedijithali, ukulula kokuvula i-akhawunti ngokuchofoza okumbalwa kwaye ujongano lwe-ergonomic kakhulu.

Zeziphi izinto ezingeloncedo kwibhanki ye-intanethi?

I-drawback ephambili kukungabikho kwee-arhente zomzimba kunye nomcebisi otyunjiweyo. Inkonzo yabathengi ikude kuphela, enokuthi ingakholisi abathengi abafuna ukunxibelelana nabantu.

Ngaba kufuneka ndikhethe phakathi kwe-100% kwi-intanethi kunye ne-100% ye-arhente?

hayi, ezinye iibhanki ze-hybrid zidibanisa amasebe omzimba kunye neenkonzo ze-intanethi. Oku kukuvumela ukuba usebenzise zombini ukuguquguquka ngakumbi. Jonga ukuba le modeli ikulungele na.

Sishiyele uluvo