Amabhange aku-inthanethi: asebenza kanjani?

I-inthanethi iguqule umhlaba futhi manje inkampani ibonakala ngendlela ehlukile. Ngaphambilini, bekunzima noma kungenzeki ukuzuza kusevisi ngaphandle kokushiya ukunethezeka kombhede wakho. Kodwa namuhla kuyinto evamile. Cishe wonke amabhizinisi namuhla hlinzeka ngezinsizakalo zasendaweni nge-inthanethi. Emabhizinisini esevisi afana namabhange, ubuchwepheshe buthuthuke kakhulu ukwenza lokhu. Yingakho sinakho yasebhange online manje.

Manje usungathenga noma udayise izinsiza zakho embhedeni wakho, endaweni yakho yezinkonzo, ngamafuphi noma ngabe ukuphi. Amabhange akuqonda lokhu ngokushesha okukhulu. Sisenkathini yokubhanga nge-inthanethi. Kodwa liyini ibhange eliku-inthanethi?

Noma ngabe umlando wamabhange aku-inthanethi usukela ngeminyaka yawo-1980s, kumele kushiwo ukuthi amabhange aku-inthanethi abenawo. ukuvuthwa ngaphansi kweminyaka eyi-15 edlule. Sebecishe babalulekile. Uyazi ukuthi kungani? Cha… Ukubhanga ku-inthanethi kukuvumela ukuthi ulawule i-akhawunti yakho yasebhange ku-inthanethi usebenzisa ikhompuyutha noma umakhalekhukhwini.

Akusadingeki ukuya egatsheni lasebhange ukuze wenze imisebenzi yakho. Ungenza ukubhanga kwakho lapho kukulungele kakhulu, okuhlanganisa ngaphandle kwamahora okubhanga ajwayelekile. Kulesi sihloko ngikhuluma nawe mayelana namabhange aku-inthanethi.

🌿 Kuyini ukubhanga nge-inthanethi?

Ibhange eliku-inthanethi iyibhange elikuvumela ukuthi uphathe zonke izinto zakho zebhange ku-inthanethi usebenzisa i-smartphone yakho noma ikhompuyutha exhunywe ku-inthanethi.

Ngebhange elinjalo, ungakhokha izikweletu, udlulise izimali, ufake isicelo semali mboleko, amasheke ediphozithi futhi uqinisekise ukuthengiselana kanye ibhalansi ye-akhawunti ye-akhawunti yakhoe.

Enye yezinzuzo amabhange endabuko ayenayo ngaphezu kwamabhange aku-inthanethi kwaba ikhono lokukhipha imali usebenzisa i-ATM. Kodwa ngokwandayo, amabhange aku-inthanethi nawo ahlinzeka ngokufinyelela kunethiwekhi yama-ATM mahhala.

🌿 Asebenza kanjani amabhange aku-inthanethi?

Izinsizakalo zebhange eziku-inthanethi zenzelwe ukuthi kube lula kakhulu kunamabhange endabuko. Zikuvumela ukuthi wonge isikhathi kanye nebhange ohlelweni lwakho.

Ukubhanga ku-inthanethi kukunikeza zonke izinsiza zebhange ezijwayelekile, kuqala ngokuvula i-akhawunti. Nazi ezinye izinsiza ezinikezwa amabhange aku-inthanethi.

✔️ Ukuvulwa kwama-akhawunti

Ungavula ukuhlola, ukonga nezinye izinhlobo zama-akhawunti ku-inthanethi. Kaningi ungakwenza lokhu ngaphandle kokuthi uphrinte noma usayine okuthile ngokomzimba.

Ngamandla wokusayina we-elekthronikhi, yonke inqubo manje isingathatha ngaphansi kwemizuzu engu-10. Isikhathi esanele sokugcwalisa ulwazi oludingekayo. Uma uyikhasimende lesikhungo sezezimali esinikezela ngezinsizakalo zokubhanga ku-inthanethi, ungabhalisela ukufinyelela ku-inthanethi ngewebhusayithi yaleso sikhungo.

Nazi izinto okufanele ube nazo ukuze uzuze ezinsizeni zokubhanga ku-inthanethi:

Uzodinga okufanayo ngaphandle kwenombolo ye-akhawunti yasebhange ukuze uvule i-akhawunti nebhange eliku-inthanethi kuphela osebenza kulo abanabo ubudlelwano obukhona. Ungase ucelwe ukuqinisekiswa okwengeziwe kamazisi, njengelayisensi yokushayela.

Ukubhalisa kuhlanganisa ukusetha ukungena ngemvume (ngokuvamile ikheli lakho le-imeyili) kanye nephasiwedi. Uma usuqedile ukubhalisa kwakho, ungangena ku-akhawunti yakho.

✔️ khokha izikweletu

Esikhundleni sokubhala amasheke ukuze ukhokhe izikweletu, ibhange lakho lingakwazi ukukuphrintela futhi likuthumelele isheke. Kodwa ngoba lula okwengeziwe, kungenzeka futhi ukuthumela imali kumamukeli nge-elekthronikhi. Noma imali oyikweletayo ishintsha njalo ngenyanga.

✔️Ukudluliswa kwezimali

Uma udinga ukudlulisa imali isuka ku-akhawunti yakho yokuhlola iye ku-akhawunti yakho yokonga noma isitifiketi sediphozithi, ungakwenza lokhu. ukudluliselwa kwangaphakathi kwamabhange ku-inthanethi.

Ungakwazi ngisho nokuxhumanisa ama-akhawunti akho emabhange ahlukene noma uthumele imali kumndeni wakho cishe ngokushesha.

✔️ Faka isicelo semalimboleko

Nge-akhawunti yakho yasebhange eku-inthanethi ungazuza futhi emalimboleko yendabuko. Vele ugcwalise isicelo sakho esiku-inthanethi ukuze sheshisa inqubo yokuqinisekisa i-solvency.  

Abanye abahlinzeki bezinsizakalo zezezimali abahlinzeka ngezicelo zokubolekwa kwemali ku-inthanethi benza imali itholakale ngalolo suku okugunyazwe ngalo imali mboleko. Abanye ababolekisi abasebenza ku-inthanethi ngokuphelele bangenza cishe izinqumo zemalimboleko ngokushesha.

✔️ Idiphozithi yamasheke

Uma ukhokha ngesheke, kunjalo kulula ukufaka lelo sheke ku-akhawunti yakho. Eqinisweni, uma unomakhalekhukhwini ohlakaniphile, vele uthwebule isheke ngohlelo lokusebenza lweselula lebhange lakho bese ulithumela ukuze likhokhelwe. Ngakho-ke akudingekile ukuyithumela ngeposi. Yiziphi izinto ezintsha?

✔️ Buka umlando wakho wokwenziwe

Ngokubhanga ku-inthanethi ungabuka umlando wakho. Kufanele ukwazi ukusesha okwenziwayo ngesikhathi nangohlobo, njengenkokhelo yekhadi lesikweletu.

✔️Hlala unolwazi

Enye inzuzo enkulu yokubhanga nge-inthanethi yi- ikhono lokumisa izexwayiso. Ungathola i-SMS noma i-imeyili uma ibhange lakho liqaphela umnyakazo. Isexwayiso singathunyelwa kuwena uma ibhalansi yakho ingaphansi kwenani elithile. Ungakwazi ukwaziswa uma imali efakiwe itholakala futhi uma isheke selisuliwe.

Lezi zixwayiso zinhle ngezinjongo zolwazi. Ngaphezu kwalokho, bangakusiza asheshe ayeke izenzo zobugebengu. Ngalesi sikhathi ungaxhumana nebhange lakho ngokushesha ulicele ukuthi livimbele umbhali ekuthululeni i-akhawunti yakho.

🌿 Ukubhanga ku-inthanethi noma ukubhanga kwendabuko: yikuphi ongakhetha kukho?

Njengoba uzoqonda, ayisekho intshisekelo yangempela namuhla ekugcineni i-akhawunti yasebhange ebhange lendabuko. Ngaphandle uma ufuna ukugcina ukuxhumana nomphathi wakho wasebhange.

Kunezinzuzo ezibalulekile ongazithola ngokusebenzisa ibhange olawula ngalo i-akhawunti yakho ye-inthanethi kuphela. Kodwa amabhange endabuko nawo anezinzuzo. Nakhu u-qezinye izimo zokuqhathanisa:

✔️ Izilinganiso zenzalo ezihamba phambili

Amabhange aku-inthanethi kuphela athambekele ekukunikezeni izinga eliphezulu lenzalo yonyaka kumadiphozithi akho. Isizathu esibekiwe ukuthi awasebenzi njengebhange elibonakalayo noma lendabuko.

Kodwa-ke, ukuhlukaniswa okuku-inthanethi kwamanye amabhange endabuko kunganikeza amanani ancintisanayo. Amabhange aku-inthanethi nawo athambekele ekunikezeni inzalo ephansi emalini ebolekiwe.

Ngokwalesi simiso ngakho-ke, kuwukuhlakanipha ukuthenga eduze kwakho futhi uqhathanise amanani ebhange e-inthanethi nawendabuko ukuze uthole inketho engcono kakhulu. Kodwa uzocishe njalo kungcono ku-inthanethi.

✔️ Ukubhenka ku-inthanethi: lizimali eziphansi

Amabhange aku-inthanethi kuphela ngokuvamile akhokhisa izimali eziphansi kunamabhange avamile.

Lokhu kuziphatha kuyahambisana, amabhange endabuko nawo akhokha inzalo eningi emalini ebolekiwe. Eqinisweni, mancane amathuba okuthi bakhokhise izinkokhelo zamasevisi athile noma ngokungagcini ibhalansi emaphakathi encane.

✔️ Umkhawulo wokwenziwe mathupha

Yize inikeza amandla okufaka amasheke ngediphozithi yeselula noma ukhiphe ukheshi ngama-ATM asebenzisana nawo, ukubhanga nge-inthanethi kungase kungabi lula uma uvame ukufaka imali enkulu noma ukhipha imali futhi udinga ukwenza kanjalo ngomtsheleki wasebhange.

Amanye amabhange anomkhawulo wenani lediphozithi yeselula yansuku zonke futhi adinga ukuthi uvakashele i-ATM. Lokhu kungaba nzima uma ibhange lakho lingenayo inethiwekhi ebanzi ama-ATM amahhala noma igatsha eliseduze.

Amabhange amaningi aphinde abeke imingcele yansuku zonke enanini ongalikhipha kuma-ATM.

Uma udinga imali eyengeziwe futhi ungakwazi ukukholisa ibhange lakho ukuthi linyuse umkhawulo, uzodinga ukuzicelela ukheshi mathupha, ongeke ukwenze uma ungakwazi ukufika egatsheni.

Amabhange endabuko angase futhi ahlinzeke ngezinsizakalo ze-notary, amabhokisi ediphozithi aphephile kanye namasheke okheshi. Amabhange aku-inthanethi ngokuvamile awakwazi.

✔️ Izinkinga ezihlobene nobuchwepheshe

Uma ungakhululekile ngobuchwepheshe, ukubhanga ku-inthanethi kungafika nejika lokufunda. Ngaphezu kwalokho, izinkinga ziyavela. Uma ikhompyutha yakho noma i-smartphone - noma uhlelo lwebhange - yephukile, kungenzeka ukuthi uhlehlisa ukuthengiselana okuphuthumayo.

Ezimweni eziyinkimbinkimbi njengezinkinga zesevisi yamakhasimende, ungase uzuze emhlanganweni wobuso nobuso ebhange lendabuko.

✔️ Izinkinga zokuphepha

Ngezindlela eziningi, ukubhanga nge-inthanethi kuvikeleke kakhulu kunokubhanga okujwayelekile. Idiphozithi eqondile yomholo wakho ku-akhawunti yakho yasebhange isusa ubungozi bokuthi othile antshontshe isheke lakho eposini.

Futhi, akekho ongakopisha imininingwane ye-akhawunti yakho kumasheke owathumelayo. Amakhompyutha asebhange athumela lolu lwazi emuva naphambili ngokuphephile, ngaphandle kokulugcina.

Esimeni sokukhwabanisa noma amaphutha ekudlulisweni kwezimali nge-elekthronikhi, umthetho uvame ukukuvikela, uma nje ukuthi wenze ngokushesha.

🌿 Amabhange amahle kakhulu aku-inthanethi

Ukukhetha ibhange eliku-inthanethi elingcono kakhulu kuvame ukuncika ezidingweni ezithile zomuntu ngamunye. Kodwa-ke, amanye amabhange aku-inthanethi ngokuvamile abuyekezwa kahle ngezinsizakalo zawo, ukufinyeleleka kanye namazinga okuncintisana.

Sicela uqaphele ukuthi ulwazi lungase lushintshe, njalo kunconywa ukuthi uhlole izimo zamanje ngaphambi kokwenza isinqumo. Nansi imininingwane eyengeziwe kwamanye amabhange ahamba phambili aku-inthanethi

⛳️ Boursora Bank

I-Boursorama Banque ingelinye lamabhange aku-inthanethi aziwa kakhulu e-France, ahlinzeka ngohlu olugcwele lwazo amabhange kanye nezinsiza zezezimali. Kuyinkampani ephethwe ngokugcwele ye-Société Générale, elinye lamabhange amakhulu aseFrance. Lokhu kusebenzisana kuletha ukuqina kwezezimali ekubhangeni kwe-inthanethi.

I-Boursorama Banque inikeza i-akhawunti yamanje kanye nemikhiqizo yokonga nge ikhadi lasebhange lamahhala, ngaphandle kwezimali zokunakekela i-akhawunti. I-akhawunti yamanje inikeza izici zesimanje, njengokuphathwa kwe-inthanethi, amathuba okwenza ukudluliselwa kanye nokudonswa kwemali okuqondile, kanye namathuluzi okuphatha isabelomali.

I-Boursorama Banque iphinde inikeze ngezinsizakalo zemakethe yamasheya ngokufinyelela inkundla yokuhweba. Amakhasimende angatshala imali emakethe yamasheya, athenge futhi adayise amasheya, futhi afinyelele ukuhlaziya kwezezimali. Ikhadi lasebhange le-Visa Premier livame ukunikezwa mahhala kumakhasimende ahlangabezana nezidingo ezithile, ngokuvamile okuhlanganisa ubuncane bemali engenayo yanyanga zonke noma ibhalansi ye-akhawunti.

Inikeza isevisi yamakhasimende kanye a uhlelo lokusebenza lweselula enembile okuvumela amakhasimende ukuthi aphathe ama-akhawunti awo, alandelele indlela asebenzisa ngayo imali, futhi afinyelele kumasevisi awo asebhange nganoma yisiphi isikhathi. Igqama ezindlekweni zayo ezincintisanayo, ikakhulukazi ukungabikho kwezimali zokunakekela i-akhawunti kanye nezilinganiso ezinenzuzo zemisebenzi yamanje.

⛳️ ING

I-ING, phambilini eyayaziwa ngokuthi i-ING Direct, isiziqinise njengebhange lamazwe ngamazwe elisebenza ku-inthanethi, elisebenza emazweni amaningana emhlabeni jikelele. Imodeli yayo isekelwe ekulethweni kwezinsizakalo zebhange ezikude, okuqeda isidingo samagatsha angokoqobo.

Inikeza imikhiqizo yokonga kanye ne-akhawunti yamanje ngaphandle kwezimali zokunakekela i-akhawunti, ehambisana nekhadi lasebhange lamahhala. Lokhu kunikezwa kufaka phakathi izici ezigcwele, ezivumela amakhasimende ukuthi enze imisebenzi yansuku zonke ku-inthanethi kalula.

I-ING inikeza izixazululo zezikweletu nezemalimboleko, ezibhekelela izidingo ezihlukahlukene njengemalimboleko yezakhiwo, imalimboleko yomuntu siqu, kanye nekhredithi yomthengi. Lokhu kuvumela amakhasimende ukuthi afinyelele izinketho eziguquguqukayo zezimali.

Kulabo abathanda ukutshala imali emakethe yamasheya, i-ING inikeza qedela izinsiza zemakethe yamasheya. Amaklayenti angasebenzisa izinkundla zokuhweba eziku-inthanethi ukuze aphathe amaphothifoliyo awo futhi atshale imali ngendlela enolwazi.

⛳️ Sawubona Bank

I-Hello Bank inikeza ama-akhawunti amanje anezici ezifana nokudluliswa kwemali, ukudonswa kwemali okuqondile, izinkokhelo eziku-inthanethi nezitatimende i-akhawunti ye-inthanethi. Ungakwazi ukuvula ama-akhawunti okulondoloza nge-Hello Bank, okuhlanganisa ama-akhawunti okulondoloza avamile, ama-akhawunti ethemu nama-akhawunti okonga ezingane. Lawa ma-akhawunti ngokuvamile anikeza amanani enzalo ancintisanayo.

I-Hello Bank inikeza uchungechunge lwamakhadi esikweletu ukuze avumelane nezidingo ezahlukene, nezinzuzo ezifana nezinhlelo zokwethembeka, umshwalense kanye izinsiza zokukhokha. Ungakwazi futhi ukufaka isicelo semali mboleko yomuntu siqu noma imali mboleko yezindlu kwa-Hello Bank, ngemibandela yokuncintisana namazinga.

I-Hello Bank ikunikeza inkundla ye-inthanethi esebenziseka kalula lapho ungaphatha khona ama-akhawunti akho, wenze ukuthengiselana, uxhumane neyakho ukufundwa kanye nokuxhumana nesevisi yamakhasimende.

⛳️ Ukuvukela

Revolut iyibhange eliku-inthanethi elinikeza izinsiza zokubhanga ezintsha ezihlanganisa ama-akhawunti amanje, amakhadi esikweletu, ukudluliswa kwemali kwamanye amazwe kanye nokuhwebelana ngemali.

Nge-Revolut, ungakwazi ukuhwebelana ku-inthanethi noma ngohlelo lokusebenza lweselula, ukwenze kube inketho elula kubantu abahamba njalo noma abadinga ukudlulisa imali phesheya.

I-Revolut inikeza ama-akhawunti amahhala anezici ezifana nokudluliswa kwemali, ukudonswa kwemali okuqondile nezinkokhelo ze-inthanethi. Inikeza amakhadi esikweletu e-Mastercard noma e-Visa anezinzuzo ezinjengezinhlelo zokwethembeka, umshwalense nezindawo zokukhokha.

Ungathumela imali phesheya ngamanani okushintshaniswa ancintisanayo nge-Revolut. Ipulatifomu isekela ngaphezu 30 zezimali. I-Revolut ikuvumela ukuthi ushintshisane ngezinhlobo zemali ngamanani okushintshaniswa kahle, ngaphandle kwezimali ezifihliwe.

🌿 Imibandela yokuqhathanisa yasebhange eku-inthanethi

Uma uqhathanisa amabhange aku-inthanethi, kubalulekile ukucabangela izindlela ezimbalwa zokukhetha evumelana nezidingo zakho. Nazi ezinye zezinqubo ezibaluleke kakhulu okufanele zicatshangelwe:

⛳️ Izindleko zebhange, iphuzu elibalulekile lokuhlukanisa

Inzuzo enkulu yebhange eliku-inthanethi yizindleko eziphansi uma kuqhathaniswa nokusungulwa kwendabuko. Ake sibheke ukuthi yimaphi amabhange agqama kakhulu ngeshejuli yawo yemali ekhangayo. 💳

Bank	Izimali zokunakekela i-akhawunti	Ikhadi lasebhange	Izimali zokudlulisa ze-SEPA
✨ Boursorama	Free	GRATUITE	Mahhala
✨ING	Free	GRATUITE	Mahhala
✨ Sawubona ibhange!	Free	GRATUITE	Mahhala
✨ I-Orange Bank	Free	GRATUITE	Mahhala
✨ Ukuvukela	Free (I-Premium ikhokhiwe)	GRATUITE (i-metallic ekhokhelwayo)	Mahhala
✨ N26	Free (I-Premium ikhokhiwe)	GRATUITE	Mahhala

Ezinkokhelweni zamanje ze-akhawunti, i-Boursorama, ING, Sawubona Bank kanye ne-Orange Bank zigqama ngenkokhelo yamahhala isiyonke. Sicela uqaphele ukuthi amanye amabhange akhokhisa lezi zimali ezingaphezu kuka-a idiphozithi ethile.

Ngasohlangothini lwekhadi lesikweletu, okunikezwayo okuningi ikhadi lamahhala elinedebithi esheshayo, enezinketho ezikhokhelwayo zekhadi le-premium. Ngezinkokhelo zekhadi phesheya, khumbula ukuhlola noma yiziphi izimali.

Ekugcineni i Ukudluliselwa kwe-SEPA ngama-euro ngokuvamile kumahhala. Ezinye izikhungo zikhokhisa ukudluliselwa okusheshayo nokudluliswa okungeyona i-SEPA.

⛳️ Izinsizakalo zasebhange eziphelele nezesimanje

Amabhange aku-inthanethi akhanga kakhulu ahlinzeka ngohlu oluphelele lwezinsizakalo, ezifinyeleleka ngokuphelele ku-inthanethi nangeselula. ✅ Ake sibone izici ezibalulekile ezinikezwayo.

Bank	Ukuphathwa kwe-akhawunti	Amakhadi asebhange	credits	Iyalondoloza	scholarship	umshwalense
Boursorama	✅	✅	✅	✅	✅	✅
ING	✅	✅	✅	✅	✅	✅
Sawubona ibhange!	✅	✅	✅	✅	✅	✅
I-Orange Bank	✅	✅	✅	✅	✅	✅
Revolut	✅	✅	❌	✅	❌	❌
N26	✅	✅	❌	✅	❌	❌

Ngokungamangalisi, i-Boursorama ne-ING zihlukaniswa ngobubanzi obuphelele obuhlanganisa zonke izinsizakalo zamabhange ezivamile. Sawubona Bank kanye ne-Orange Bank nazo zihlinzekwa kahle kakhulu.

I-Revolut ne-N26 inomnikelo olinganiselwe, ogxile kuma-akhawunti asebhange namakhadi. Izinsizakalo zokulondoloza, isikweletu noma zomshwalense azikho noma zincishisiwe. Mayelana namathuluzi okuphatha, wonke lawa mabhange ahlinzeka ngezindawo zokusebenzelana zesimanjemanje neze-ergonomic, ezinezinhlelo zokusebenza zeselula ezikalwe kahle. Ikhwalithi yedijithali ikhona.

⛳️ Izimo ezihlukene zokufaneleka kuye ngokuthi ibhange

Ngaphambi kokuzibophezela, khumbula ukuhlola izimo zokufaneleka zebhange eliku-inthanethi onentshisekelo kukho. ✅ Imibandela ingase yehluke. I-Boursorama, ING kanye ne-Hello Bank ibeka kuphela ukuba neminyaka esemthethweni kanye nomhlali wentela waseFrance. I-Orange Bank icela ukuba yikhasimende leselula le-Orange.

at I-Revolut kanye ne-N26, ukuvulwa kuphinde kubekelwe abantu abadala base-Europe. Sicela uqaphele, i-Revolut manje ibeka a ubuncane bemali engenayo yonyaka engu-€24.

Ngalé kwemibandela exhunywe kuphrofayela yakho, ezinye izikhungo ziphinde zikhawulele inani lama-akhawunti angenzeka kumuntu ngamunye. Ngakho i-Boursorama ikhawulela kuma-akhawunti angu-2 umuntu ngamunye, kuyilapho i-N26 ikhawulela ku-akhawunti eyodwa.

⛳️ Iliphi ibhange ongalikhethela i-akhawunti ehlanganyelwe noma i-akhawunti yochwepheshe?

Udinga i-akhawunti ehlanganyelwe ukuze uphathe ibhajethi yakho ndawonye? Noma i-akhawunti yochwepheshe enikelwe emsebenzini wakho? Futhi, akuwona wonke amabhange aku-inthanethi adalwe alingana. 👥👨‍💼

Nge-akhawunti ehlanganyelwe, I-Boursorama, ING kanye ne-Hello Bank zinikeza inketho engavinjelwe. I-Revolut nayo iyakuvumela, ngokubhaliselwe okukhokhelwayo. I-Orange Bank, i-N26 ne-Nickel, nokho, iyenqaba ukuvula ama-akhawunti ahlangene.

Ngasohlangothini lochwepheshe, I-Boursorama ifaneleka kakhulu ngokunikezwa kwayo kwe-Corporate Banking. I-ING inikeza i-ING Pro ngamanani anenzuzo. Uma kungenjalo, ama-fintech afana ne-Qonto noma i-Maneja One kufanele acatshangelwe.

⛳️ Yimuphi umshwalense nokuvikelwa kwezindlela zokukhokha?

Uma kwenzeka kuba nenkinga, kuyaqinisekisa ukuzuza kumshwalense oqinile kanye neziqinisekiso zendlela yakho yokukhokha. 🔒 Kuthiwani ngamabhange aku-inthanethi?

Izikhungo eziningi zinikeza umshwalense wakudala:

• Ukuvikelwa kwezindlela zokukhokha
• Isiqinisekiso sokuthenga nge-inthanethi
• Ukuhoxiswa okuphuthumayo uma kwenzeka ukulahleka kwekhadi
• Umshwalense wokuhamba

Hlola uphahla olumboziwe ukuze uqinisekise ukuvikeleka okwanele. Esikweletini uma kwenzeka umsebenzi womgunyathi, umthetho ngokuvamile uvala lowo wekhasimende ku-€50. I-Revolut igqame nayo isikweletu esingu-zero.

🌿 Ikuphi ukutholakala kwesevisi yasebhange ngemuva kokuthengisa?

Naphezu kokufakwa kwedijithali, kuyaqinisekisa ukukwazi ukufinyelela kalula umeluleki wakho uma kudingeka. 🤝 Ake sibone ukufinyeleleka kwesevisi yangemuva kokuthengisa amabhange ahamba phambili e-inthanethi.

I-Boursorama, ING kanye namabhange axhunywe kunethiwekhi ebonakalayo anikeza isevisi yamakhasimende ephelele: ucingo, ingxoxo, izinkundla zokuxhumana. I-Revolut ne-N26 igxile ukwesekwa ku-inthanethi. Izikhathi zokuphendula zingase zibe zinde ngezikhathi ezimatasa. Zilindele kusengaphambili izicelo zakho.

Kunoma yikuphi, uma kunesimo esiphuthumayo isevisi ubuncane bufakwe kumshwalense izinsuku eziyi-7 ngesonto, amahora angama-7 ngosuku, ukuvinjwa kwekhadi ngokwesibonelo.

🚀Ukubhanga ku-inthanethi VS ukubhanga kwendabuko

Amabhange aku-inthanethi namabhange endabuko anomehluko omkhulu endleleni asebenza ngayo kanye namasevisi anikezelayo. Nansi eminye yomehluko omkhulu phakathi kwezinhlobo ezimbili zamabhange:

izindleko

Amabhange aku-inthanethi ngokuvamile anezindleko eziphansi zezinsizakalo zebhange eziyisisekelo, njengama-akhawunti okuhlola namakhadi esikweletu. Lokhu kungenxa yokuthi abanazo izindleko ezihlobene nokuphatha inethiwekhi yamagatsha aphathekayo, njenge izindleko zokuqashisa, zabasebenzi nezokulungisa.

ukufinyeleleka

Amabhange aku-inthanethi ayatholakala amahora angama-24 ngosuku, izinsuku eziyi-24 ngesonto, okwenza afinyeleleke kakhulu kunamabhange endabuko anamahora alinganiselwe okuvula. Ukwengeza, amasevisi aku-inthanethi avumela amakhasimende ukuthi aphathe ama-akhawunti awo asebhange kunoma iyiphi indawo, ngaphandle kokuvakashela igatsha eliphathekayo.

Imisebenzi

Amabhange aku-inthanethi ngokuvamile ahlinzeka ngezinsizakalo ezintsha nezilula kunamabhange endabuko, njengokuphathwa kwe-akhawunti ngohlelo lokusebenza lweselula, ukudluliselwa kwemali yamazwe ngamazwe okungabizi kakhulu, namakhadi esikweletu anezinhlelo zokwethembeka.

Kodwa-ke, amanye amabhange endabuko nawo aqala ukunikela ngezinsizakalo eziku-inthanethi ukuze aqhudelane namabhange aku-inthanethi.

Ubudlelwano bamakhasimende

Amabhange endabuko ngokuvamile anobudlelwane bomuntu siqu namakhasimende, abeluleki abatholakala emagatsheni ukuze baphendule imibuzo futhi banikeze iseluleko sezezimali.

Amabhange aku-inthanethi angase anikeze isevisi yamakhasimende ngocingo noma ngengxoxo ebukhoma, kodwa lokhu kungase kungenzeki okomuntu siqu njengesevisi yamakhasimende yomuntu mathupha.

nokuvikeleka

Amabhange aku-inthanethi avame ukubhekwa njengavikelekile njengamabhange endabuko ngoba asebenzisa ubuchwepheshe obuthuthukisiwe ukuvikela idatha nokuthengiselana.

Nokho, amanye amakhasimende angase akhethe ukuvikeleka okwengeziwe okunikezwa igatsha elingokoqobo lapho enza imisebenzi ebalulekile yasebhange.

Ekugcineni, ukukhetha phakathi kwebhange eliku-inthanethi nebhange lendabuko kuzokwehla kulokho okuncamelayo kanye nezidingo ezithile zokubhanga. Kubalulekile ukuqhathanisa okunikezwayo nezindleko zezinketho ezahlukene ngaphambi kokwenza isinqumo.

🌿Isifinyezo...

Amabhange aku-inthanethi aguqule umkhakha wamabhange ngokunikeza izinsiza ezilula, ezithengekayo futhi kufinyeleleke kubo bonke. Basebenzisa izinkundla zedijithali eziqanjiwe ezivumela amakhasimende ukuthi aphathe ama-akhawunti awo, enze imisebenzi futhi afinyelele uhla lwezinsizakalo zasebhange, konke kusukela ekunethezekeni kwekhaya noma ekuhambeni.

Ngezimali eziphansi, izinsizakalo eziguquguqukayo kanye 24/24 ukufinyelela, Amabhange aku-inthanethi akwazile ukuheha amakhasimende amaningi afuna enye indlela yamabhange endabuko. Amakhasimende angavula ama-akhawunti amanje, onge, athole imalimboleko futhi enze ukudluliselwa kwemali kwamanye amazwe ngokuchofoza okumbalwa nje.

La nokuvikeleka kuyinto ehamba phambili kumabhange aku-inthanethi, asebenzisa ubuchwepheshe obuthuthukisiwe ukuze avikele idatha yamakhasimende awo kanye nemisebenzi. Ukwengeza, amabhange amaningi aku-inthanethi anikeza isevisi yamakhasimende esabelayo ngocingo, ingxoxo ebukhoma, noma i-imeyili ukuze aphendule imibuzo futhi axazulule izinkinga ngokushesha.

Imibuzo Evame Ukubuzwa

Q: Kuyini ukubhanga nge-inthanethi?

IMP: Ibhange eliku-inthanethi yisikhungo sezezimali esihlinzeka ngezinsizakalo zebhange ngokusebenzisa izinkundla zedijithali ezifana namawebhusayithi nezinhlelo zokusebenza zamaselula, ngaphandle kokuba khona ngokomzimba ngendlela yamagatsha aphathekayo.

Umbuzo: Ingabe amabhange aku-inthanethi aphephile?

A: Yebo, Amabhange aku-inthanethi asebenzisa izinyathelo zokuphepha ezithuthukisiwe ukuze avikele idatha yamakhasimende awo kanye nemisebenzi. Lokhu kufaka phakathi ukusetshenziswa kokubethela, ukuqinisekiswa kwezinto ezimbili kanye nezinqubo zokuphepha eziqinile.

Umbuzo: Ngingaxhumana kanjani nesevisi yamakhasimende ebhange eliku-inthanethi?

IMP: Amabhange aku-inthanethi ngokuvamile anikeza izinketho ezimbalwa zokuxhumana nesevisi yamakhasimende awo, njengezingcingo, izingxoxo ezibukhoma kuwebhusayithi yawo noma uhlelo lokusebenza lweselula, noma nge-imeyili. Imininingwane yokuxhumana yesevisi yekhasimende ngokuvamile itholakala kuwebhusayithi yebhange.

Q: Ngingakwazi ukwenza imali ngebhange eliku-inthanethi?

IMP: Amabhange amaningi aku-inthanethi awanawo amagatsha aphathekayo ukwenza ukuthengiselana ngemali. Kodwa-ke, amanye amabhange aku-inthanethi anobambiswano nemishini yokukhipha imali (ATM) ukuze avumele amakhasimende ukuthi akhiphe ukheshi.

Q: Yiziphi izinzuzo zamabhange aku-inthanethi uma kuqhathaniswa namabhange endabuko?

IMP: Izinzuzo zokubhanga nge-inthanethi ngokuvamile zifaka izinkokhelo eziphansi, ukufinyeleleka okungu-24/24, izinsiza ezintsha ezifana nokudluliswa kwemali kwamazwe ngamazwe okungabizi kakhulu, kanye nolwazi olungcono kakhulu lomsebenzisi ngenxa yezinkundla zedijithali .

Umbuzo: Ngingakwazi yini ukuthola imali mboleko yendlu ngebhange eliku-inthanethi?

IMP: Yebo, amanye amabhange aku-inthanethi ahlinzeka ngemalimboleko yezindlu. Kodwa-ke, indlela yokufaneleka nemibandela ingase ihluke ebhange nebhange, ngakho kuyanconywa ukuthi uhlole izinhlinzeko ezithile zebhange ngalinye.

Q: Ngiwenza kanjani amadiphozithi ebhange eliku-inthanethi?

IMP: Amabhange aku-inthanethi ngokuvamile ahlinzeka ngezinketho ezimbalwa zokwenza amadiphozithi, okuhlanganisa nokudluliswa kwemali ngezintambo kusuka kwenye i-akhawunti yasebhange, hlola amadiphozithi ngohlelo lokusebenza lweselula, noma amasheke wokuposa.

Umbuzo: Ingabe amabhange aku-inthanethi ahlinzeka ngezinsizakalo zebhizinisi?

A: Yebo, amanye amabhange aku-inthanethi anikezela ngezinsizakalo zebhange zebhizinisi, njengama-akhawunti ebhizinisi, izixazululo zokukhokha zabathengisi, nezinsizakalo zezimali eziklanyelwe izidingo zebhizinisi.

Ingabe amabhange aku-inthanethi ayakhokhisa? Ingabe zikhona izimali ezifihliwe?

Ngokuvamile amahhala noma anezindleko eziphansi zanyanga zonke, eziphansi kakhulu kunamabhange avamile. Futhi azikho izimali ezifihliwe: konke kuboniswa ngokusobala.

Yiziphi izinzuzo zamabhange aku-inthanethi uma kuqhathaniswa namabhange endabuko?

Izinzuzo eziyinhloko yizintengo ezikhangayo, ukufinyeleleka okungu-24/24 ngedijithali, ubulula bokuvula i-akhawunti ngokuchofoza okumbalwa futhi interfaces ergonomic kakhulu.

Yibuphi ububi bokubhanga ku-inthanethi?

I-drawback eyinhloko ukungabikho kwama-ejensi angokwenyama kanye nomeluleki oqokiwe. Isevisi yekhasimende ikukude kuphela, okungase kungajabulisi amakhasimende afuna ukuthintana nomuntu.

Ingabe kufanele ngikhethe phakathi kuka-100% ku-inthanethi kanye ne-ejensi engu-100%?

hhayi, amanye amabhange ayingxube ahlanganisa amagatsha aphathekayo kanye nezinsiza eziku-inthanethi. Lokhu kukuvumela ukuthi usebenzise kokubili ukuguquguquka okwengeziwe. Bona ukuthi le modeli ikulungele yini.

Sishiyele amazwana