Yintoni ukudluliselwa kwebhanki?

Udluliselo lwebhankie ligama elisetyenziswayo ukuchaza ukhutshelo lwemali ukusuka kwenye iakhawunti yebhanki ukuya kwenye. Nokuba kukwinqanaba lesizwe okanye lamazwe ngamazwe. Ukudluliselwa kwebhanki ukuya ebhankini kuvumela abathengi ukuba batshintshe imali nge-elektroniki. Ilapha idijithali yecandelo leebhanki.

Ngokukodwa ngakumbi, bakuvumela ukuba uthumele imali kwi-akhawunti enebhanki ukuya kwiakhawunti enelinye iziko. Ukuba awuzange usebenzise le nkonzo ngaphambili, inokubonakala ibhidekisa kancinci.

Ukuba ufuna uncedo lokuqonda indlela esebenza ngayo, nantsi into ekufuneka uyazi malunga nokudluliselwa kwebhanki. Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kuthi ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

🥀 Imigaqo esisiseko udluliselo

Uninzi lweebhanki eziphezulu zenza kube lula kubathengi babo ukudlulisa imali. Nangona le nkonzo rhoqo simahla, kungcono ukuqinisekisa oku ngaphambi kokuba uqalise ukudluliselwa.

Imigaqo malunga nesixa semali onokuthi uyitshintshe ngexesha elinye inokwahluka ngokuxhomekeke kwibhanki yakho. Kodwa ngokubanzi, nabani na ofuna ukudlulisa imali unokukwenza oko ngekhompyuter yakhe okanye isixhobo esiphathwayo. Nje ukuba uqalise utshintshiselwano ngefowuni, enye iakhawunti yakho yebhanki inokufumana ezo mali ngeentsuku.

Gcina ukhumbula ukuba ukudluliselwa kwebhanki ukuya ebhankini kuvumela abantu ukuba batshintshise imali phakathi kwabo ukujonga ii-akhawunti zobuqu kunye nee-akhawunti zabo zokulondoloza. Ukuba ufuna ukuthumela imali komnye umntu, kufuneka ufumanise ukuba ibhanki yakho iyanikezela ngale nkonzo.

Udluliselo lwebhanki lunokuthetha izinto ezahlukeneyo ngokuxhomekeke kuluhlu olubanzi lweminye imiba. Ngokubanzi, eli gama lingasetyenziselwa ukubhekisa kwenye yezinto ezimbini ezahlukeneyo:

• Ukudluliselwa kwemali yelizwe, apho imali ithunyelwa isuka kwenye iakhawunti yebhanki isiwe kwenye kwilizwe elinye;
• Ukudluliselwa kwemali kumazwe ngamazwe ukuthumela imali ukusuka kwiakhawunti yebhanki ukuya kwelinye kwilizwe elahlukileyo, ngokuqhelekileyo kubandakanya utshintshiselwano lwemali.

🥀 Udluliselo lwebhanki: olwamazwe ngamazwe vs

Iintlawulo zebhanki zasekhaya zihamba ngamagama amaninzi. E-United States, umzekelo, ezi ntlobo zokudluliselwa zihambelana ngokuyimfuneko nokudluliselwa kwe-ACH, ngelixa e-United Kingdom zaziwa ngokuba yi-ACH transfers. Ukudluliselwa kwe-CHAPS.

Kwi-EU, ukudluliselwa kwebhanki kubizwa ngokuba yi-SEPA iintlawulo, ngelixa eCanada zibizwa Interac e-Transfers. Udluliselo lwebhanki lwasekhaya luphawulwa ziibhanki ezisebenzisa uthungelwano lonxibelelwano lwesizwe ukuthumela imali ukusuka kwiakhawunti yebhanki yendawo ukuya kwenye.

Kwimeko yokudluliselwa kwamanye amazwe, ngakolunye uhlangothi, ukudluliselwa kwebhanki ngokuqhelekileyo kufana nokudluliselwa kwe-wire. Kule meko, iibhanki emhlabeni jikelele zithumela imali kwiiakhawunti zazo zisebenzisa uthungelwano lonxibelelwano lwamazwe ngamazwe olubizwa ngokuba yi-SWIFT.

Uthungelwano lwe-SWIFT (Society for Worldwide Interbank Financial Telecommunications) luthungelwano lwebhanki olusetyenziselwa ukutshintshiselana ngeebhanki zehlabathi. Inamaziko angaphezu kwama-7 aqhagamshelwe kumazwe ali-000.

🥀 Yintoni intlawulo ye-ACH?

Iintlawulo ze-ACH ziimali ezihanjiswa nge-Automated Clearing House (ACH). Indlu yokucoca e-USA isebenza njengohlobo " esiphakathi » phakathi kweebhanki ngokuthumela imali nge-elektroniki ukusuka kwenye ibhanki ukuya kwenye.

Xa uthumela imali kwibhanki yakho ngentlawulo ye-ACH, ugqithiselo oluninzi ludityaniswa kunye ngamaxesha athile osuku kwaye luthunyelwe ngeebhetshi.

Imizekelo yothungelwano lwentlawulo efanayo kumazwe aphesheya yi-SEPA ye-EU (iNdawo yeeNtlawulo ze-Euro enye), i-CHAPS (Ukucoca iNkqubo yeeNtlawulo eziSebenzayo zeNdlu) ukusuka eUnited Kingdom kunye nokungena ngqo eOstreliya.

🥀 Iintlobo zokudluliselwa kwebhanki

Zimbini iindidi zodluliselo ngokubanzi: udluliselo lwexesha elinye kunye nolweliselo olusisigxina.

Ukudluliselwa ngexesha

Ukudluliselwa kuthathwa njengento enye ukuba umyalelo ukhutshelwe itransekshini enye. Kwiimeko ezininzi, ukuba iqhutywa kwi-intanethi kwiqonga le-intanethi yebhanki, le nkonzo isimahla. Ukuba icelwa kwisebe, ngefeksi okanye ngomnxeba, ingenziwa kwi-invoyisi (umzekelo ukuya kwi-4 €).

Kwimeko apho iinkcukacha zebhanki zomxhamli azichanekanga okanye aziphelelanga, iindleko ezongezelelweyo zingongezwa.

Udluliselo olusisigxina

Ukudluliselwa kuthiwa kusisigxina (okanye ngokuzenzekelayo) ukuba umyalelo unikwe ibhanki ukuba iphinde iphindwe kaninzi ngamaxesha aqhelekileyo. Lo myalelo unokucwangciswa ixesha elimiselweyo okanye elingenammiselo. Inokucinywa nangaliphi na ixesha ukuba wazisa ibhanki yakho ngeposi nge-AR.

Xa yenziwe kwi-intanethi, ii-odolo ezimileyo zihlala zisimahla. Ukuba zimiselwe okanye zilungiswe kwisebe, umrhumo (umzekelo 1 €) inokufunwa xa kumiselwa inkonzo. Udluliselo lwamazwe ngamazwe luyahlawuliswa.

Amaxesha amaninzi ibhanki igcina ipesenti yotshintshiselwano (umzekelo 0,08% yemali). Utshintshiselwano kunye neekomishini zezibuko (iifizi ze-SWIFT) nazo zinokunyusa ibhili.

🥀 Iindleko ezifihliweyo zokudluliselwa kwebhanki

Ngokubanzi, ukudluliselwa kwebhanki yasekhaya kubiza kakhulu ukuthumela kwaye kunako ngamanye amaxesha ukhululeke. Iintlawulo, ukuba zikhona, zihlala zithathwa kwi-akhawunti yomboleki.

Ngokwesivumelwano se-akhawunti yebhanki nganye kunye nohlobo ngalunye lwe-akhawunti, iimali zingabanjwa ngokuxhomekeke kumthombo womyalelo (ikhawuntara okanye i-intanethi) nokuba yi-akhawunti yangaphandle. Ngokuqhelekileyo, ukudluliselwa nge-Intanethi kukhululekile, ngokungafaniyo nokudluliselwa oku-odolwe kwikhawuntara, ephantsi kwekhomishini.

Udluliselo lwebhanki lwamazwe ngamazwe, kwelinye icala, apho imali idluliselwa khona ziyabiza. Enyanisweni, xa utshintshela kwelinye ilizwe ngebhanki, uya kuhlawula iifizi ezifihliweyo (ezibizwa ngokuba yi-margin exchange exchange) ukuguqula imali yakho kwenye imali ngaphezu kwazo zonke iindleko ezimiselweyo ezisemgangathweni, iikhomishini kunye nabanye.

Kwiimeko ezigqithisileyo, abantu abaninzi bahlawula iintlawulo ezipheleleyo ukusuka ukuya kuthi ga kwi-10 ukuya kwi-15% okanye ngaphezulu kwesixa sisonke sokutshintshelwa kwabo ukuze bathumele imali phesheya kolwandle, nto leyo edla ngokwenza ukuba inkqubo ibize kakhulu.

Ngethamsanqa, kukho utshintshiselwano oluninzi lwexabiso eliphantsi kunye nababoneleli be-fintech phaya. Aba baboneleli basebenzisa inethiwekhi ye-savvy yeeakhawunti zebhanki zamazwe ngamazwe ukudlula ngokupheleleyo inethiwekhi ye-SWIFT, ukuphepha phantse yonke imirhumo yabathengi babo! Ngenxa yoko, abasebenzisi bahlala behlawula ngaphantsi 1 okanye 2% yemali yokudluliselwa kwabo kwimirhumo!

🥀 ACH Transfer Vs Bank Transfer

Nangona udluliselo lwe-ACH olusuka kwiibhanki luhlala lungabizi kakhulu kunokudluliselwa ngocingo, luthatha ixesha elide ukufika. Ngokuqhelekileyo iintsuku ezimbini ukuya kwezintathu. Oku kungenxa yokuba inkqubo yokucubungula ibhetshi ithetha ukuba ukudluliselwa kufuneka kulinde ixesha elithile eliqingqiweyo de imali idluliselwe kunye nezinye iintengiselwano.

Ukudluliselwa kwebhanki, kwelinye icala, kuhlala kufuna iintlawulo eziguquguqukayo ngokubanzi phakathi kwe-25 kunye ne-40 € utshintshelo olusuka kwi-akhawunti yase-US. Nangona kunjalo, olu dluliselo lukhawuleza kwaye ludla ngokuthatha ukuya kwiiyure ezi-24.

🥀 Udluliselo lwebhanki kunye nemihla yentengiselwano

La umhla wokusebenza est ukuba idebhithi okanye itransekshini yekhredithi irekhodwa yibhanki. Ukuba iodolo yodluliselo iodolwe ngexesha elikufutshane ekupheleni kosuku lomsebenzi, iya kuqwalaselwa njengefunyenwe ngosuku olulandelayo lomsebenzi.

Ukuba ixesha lerisithi ayilosuku lokusebenza, umyalelo wokhutshelo kuthathwa njengofunyenwe ngosuku lokusebenza olulandelayo. Ukuphunyezwa kwentengiselwano yentlawulo nganye kwaziswa kubanini bee-akhawunti ezimbini ezichaphazelekayo (otyalwayo/umbolekisi). I-periodicity yezaziso ixhomekeke kwisivumelwano se-akhawunti. Inokuba yimihla ngemihla, ngenyanga, njl.

Kunokwenzeka ukuphikisa umsebenzi wokudlulisa ngokuthumela ileta kwibhanki yakhe nge-AR. Iimeko ezininzi zinokwenzeka:

• ukuba isixa sodluliselo siphezulu kunoko besiceliwe, umkweliti une a Ixesha leeveki ezisi-8;
• ukuba umsebenzi awugunyaziswanga okanye wenziwa ngokuchanekileyo, eli xesha landiswa ukuya kwiinyanga ezili-13 emva komhla wokutsalwa kwemali phambi kothimbo.

🥀 Uyenza njani imali yebhanki?

Ngaphambi kokuba wenze utshintshiselwano lwebhanki, kufuneka uqinisekise ukuba unetyala elaneleyo kwiakhawunti yakho. Ngaphandle koko, uzibeka esichengeni sokukhatywa (kwaye ke ngoko kwiindleko ezinxulumeneyo). Kufuneka kwakhona ube ne-RIB yombolekisi wakho kunye ne-BIC yakhe (iKhowudi yeSichongi seBhanki). Umisela ukuba ibhanki yakhe kunye ne-IBAN yakhe zihlala phi (Inombolo yeAkhawunti yeBhanki yeHlabathi) echonga iakhawunti yabo yebhanki.

Nokuba kukwikhawuntara okanye kwi-intanethi, kufuneka ugcwalise iodolo yodluliselo. Lo myalelo ubonisa inombolo ye-akhawunti yakho, imali ekufuneka idluliselwe, umhla wokuphunyezwa kwayo kunye neenkcukacha zebhanki zomkweliti wakho. Ibhanki ayivumelekanga ukuba yenze utshintshiselwano ngaphandle kwemvume yakho ngaphandle kokuba iyalelwe nguNondyebo kaRhulumente.

🥀 Amanqaku abalulekileyo

Ukuze uthumele imali phakathi kwee-akhawunti zebhanki, unokufuna ukudibanisa ii-akhawunti zakho ezimbini. Ngamanye amaxesha kungathatha ukuya kwiveki.

Ukuba ufuna ukudlulisela imali kwiakhawunti yakho kwenye ibhanki, kungcono ukunqanda ukulinda de kube ngumzuzu wokugqibela ukuze uqalise. Ukuba i ixesha yingxaki, unokukwazi ukukhawulezisa ukudluliselwa kwakho. Kodwa kunokukuxabisa kakhulu.

Ezinye iibhanki zivumela abathengi ukuba bamise iiakhawunti zabo ukuze badluliselwe rhoqo. Ke ukuba uzenza ngokuzenzekelayo iimali zakho kwaye udlulise imali ngamaxesha athile phakathi kweeakhawunti kwiibhanki ezahlukeneyo, ukuseta eli nqaku kunokongela ixesha.

🥀 FAQ Nanku umzekelo we-FAQ yokudluliselwa kwebhanki

Yintoni ukudluliselwa kwebhanki?

Udluliselo lwebhanki lumsebenzi ovumela ukuba imali idluliselwe phakathi kweeakhawunti ezimbini zebhanki. Yindlela ekhawulezayo nelula yokuthumela okanye yokufumana imali.

Ukwenza njani ukudluliselwa?

Into ekufuneka uyenzile kukubonelela ngebhanki yakho inombolo ye-akhawunti ye-IBAN yomamkeli kunye negama. Emva koko ubonise imali ekufuneka uyidlulisele. Umsebenzi ukhuselekile kwaye phantse ngoko nangoko.

Ngaba utshintshelo luyahlawuliswa?

Uninzi lotshintshiselwano phakathi kwabantu lusimahla ngaphakathi kwendawo ye-euro. Nangona kunjalo, imirhumo inokufaka isicelo sokutshintshelwa kwelinye ilizwe okanye ngeemeko ezithile.

Ndingalurhoxisa utshintshelo?

Ungalurhoxisa utshintshiselwano phambi kokuba luphunyezwe okokugqibela. Kodwa xa udluliselo lusebenza, akusenakwenzeka ukubuyela umva. Isicelo sokubuyiselwa imali siya kuxhomekeka kumamkeli.

Ngaba udluliselo luyalandeleka?

yes, utshintshiselwano ngalunye olwenziwe lurekhodwa ziibhanki. Umthumeli kunye nomamkeli baziwa. Oku kunceda ukulwa ubuqhophololo kunye nokuthutyeleziswa kwemali.

Ungalibali ukuqinisekisa ukuba utshintshiselwano lwakho lwenzeka ngexesha ebekufanele ukuba lwenze ngalo. Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge.