Ukuqonda i-akhawunti yamanje yasebhange

Ongakaze abe ne-reflex ukuze uvule i-akhawunti yamanje yasebhange ekuqaleni kwempilo yokusebenza? Kodwa-ke, phakathi kokunikezwa okuhlukile okuvela kumabhange endabuko noma e-intanethi, indlela inzalo esebenza ngayo, izindlela zokukhokha ezinikezwayo, ulimi lobuchwepheshe lwabacebisi ... lo mkhiqizo we-flagship ekugcineni uhlala ungaziwa emphakathini jikelele!

Ngalesi sihloko semfundo, sikumema ukuthi ekugcineni uvule zonke izimfihlo ze-akhawunti yamanje yasebhange. Sizobhekana ngqo nokusetshenziswa kwayo okuhlukahlukene okungenzeka, imisebenzi eyinhloko engenziwa lapho kanye nezindleko zangempela zale sevisi ebalulekile yansuku zonke.

Ngenxa yalezi zincazelo ezinemininingwane nezeluleko, uzoqonda yonke into mayelana nokusebenza okuqondile kwe-akhawunti yamanje ukuze uthole okuningi kuyo. Ijagoni yokuvalelisa yababhange, futhi sawubona ukonga ngokufunda ukungena nokuphuma komkhiqizo wakho wasebhange oyisisekelo ngokwakho. Lapha siya ekuguquleni kwethu ukubethela kwesinyathelo ngesinyathelo!

🥀 Ithini i-akhawunti yamanje?

Les Ama-akhawunti asebhange ama-currents athandwa kakhulu phakathi kwezinkampani, izinkampani, izinkampani zomphakathi, osomabhizinisi abavame ukuba nenani eliphakeme lokuthengiselana okujwayelekile nebhange.

Ingavulwa emabhange amaningi okuhweba. Njengoba i-akhawunti enguziro, ivamise ukuhlotshaniswa nokuthengiselana okukhulu njalo. Ngenxa yokungabi namanzi okunikezwa yilawa ma-akhawunti, awatholi nzalo. Lezi futhi ngokuvamile azinawo umkhawulo enanini lemisebenzi engenziwa.

Imali ingafakwa futhi ikhishwe lapho noma nini ngaphandle kwesaziso. Ibuye ilungele ukukhokhela abakweletwayo kusetshenziswa amasheke. Amasheke atholwe kumakhasimende angafakwa kule akhawunti ukuze aqoqwe.

🥀 Izinhlobo ezahlukene ze-akhawunti yamanje

Umthengi unokukhetha phakathi kwezinhlobo ezimbalwa ze-akhawunti yasebhange. Phakathi kwabo, sithola:

Ama-akhawunti asebhange angawodwana

I-akhawunti yasebhange ngayinye iyi-akhawunti esetshenziswa kakhulu emhlabeni. Ibhaliswe ngumnikazi oyedwa, okumele kube ngumuntu wemvelo, i-akhawunti yasebhange ngayinye ivumela ukuphathwa kwezimali kwansuku zonke kanye nokufinyelela Ikhadi lasebhange. Namuhla kunzima ukwenza ngaphandle kwalolu hlobo lwe-akhawunti yamanje, ebalulekile ekuphileni kwansuku zonke.

Ingavulwa kusukela eminyakeni eyi-12, kodwa izingane ezingavunyelwe kufanele zihambisane nombheki osemthethweni. Abancane ngokuvamile banekhadi lasebhange eligunyazwe ngendlela ehlelekile, elibavimbela ukuthi badonswe imali ngokweqile. Bheka lesi sihloko mayelana nama-akhawunti asebhange ezingane.

Ama-akhawunti amanje ahlanganisiwe

I-akhawunti ehlanganyelwe isebenza ngendlela efanayo ne-akhawunti yasebhange ngayinye, ngaphandle kokuthi ingabanjwa abalingani abaningana. Imvamisa, kuba ngabashadikazi abane-akhawunti ehlangene. Lolu hlobo lwe-akhawunti luyatholakala nakubafowabo ababili, abangani ababili, umzali nengane...

I-akhawunti ehlanganyelwe ingaba nabanikazi bamasheya abangaphezu kwababili, kodwa kuphela emabhange endabuko. Amabhange aku-inthanethi avame ukukhawulela ukubhalisa kubanikazi ababili. Uma kunabanikazi abangaphezu kwababili, i-akhawunti yamanje ibizwa nangokuthi i-akhawunti ehlangene. Futhi kubizwa ngokuthi i-akhawunti ehlanganyelwe.

Ama-akhawunti amanje angahlukanisiwe

I-akhawunti yamanje engahlukanisiwe ithi ezifanayo kakhulu ku-akhawunti yamanje ehlangene, ngenxa yokuthi ingabuye ibanjwe abanikazi abaningana abahlanganyeli. Umehluko wukuthi akukho ntengiselwano yasebhange, ngisho nokuhoxiswa nje okulula, okungenziwa ngaphandle kwesivumelwano sabo bonke abanikazi bomhlaba.

Le ndlela yokusebenza enemikhawulo eyengeziwe ngokuvamile ayisetshenziswa izithandani, kodwa iqembu labantu abafisa, isibonelo, ukuphatha ifa.

Ama-akhawunti amanje ahlobene

Okokugcina, i-akhawunti yamanje ehlobene iyi-akhawunti enikelwe ezinhlanganweni nezinkampani. Lena i-akhawunti yemali abangafaka kuyo izizumbulu zemali bese bezenza zitholakale enkampanini.

Kulesi sihloko, ngikhuluma ikakhulukazi ngama-akhawunti amanje anikezelwe abantu ngabanye. Ngikhuluma ngqo ngama-akhawunti asebhange ngamanye kanye nama-akhawunti ahlanganyelwe.

🥀 Izimali ze-akhawunti zamanje

Iminyaka eminingana manje, i-akhawunti yamanje ihlotshaniswa nezindleko zasebhange ezilokhu zikhula njalo. Ayimahhala, kude nayo… ikakhulukazi emabhange endabuko. I-akhawunti yamanje ngokuvamile ihlanganisa lezi zimali ezilandelayo:

• Izimali zokunakekela i-akhawunti
• Imali yekhadi lesikweletu
• Izindleko zesigameko sokukhokha (i-agios, ikhomishini yokungenelela, izincwadi zolwazi, izindleko zokunqatshelwa kwedebithi ngokuqondile, njll.)
• Izindleko ezengeziwe, ezihlobene nezinketho ezengeziwe (izaziso ze-SMS, isheke lasebhange, ukukhishwa kabusha kwekhadi lasebhange, ukukhishwa kabusha kwekhodi eyimfihlo, izindlela zomshwalense wokukhokha, njll.)

Ukuvula i-akhawunti yamanje cishe emahhala, cela inketho ye amabhange aku-inthanethi. Bakuvumela ukuthi udale i-akhawunti yasebhange esofeni lakho. Ngokuvamile, nansi unganciphisa kanjani izindleko zakho zasebhange eziqhubeka zikhula usuku nosuku.

🥀 Vala i-akhawunti yamanje

I-akhawunti yamanje ingavalwa ngokuqalisa kwebhange noma ikhasimende:

Ngokuqala kwebhange: ibhange lingavala i-akhawunti yasebhange ngaphandle kokuthi liziphendulele. Nokho, kufanele inikeze isaziso sezinyanga ezimbili ukuze inikeze umthengi isikhathi sokuvula i-akhawunti kwenye indawo.

Ngomzamo wekhasimende: ikhasimende lingaphinda livale i-akhawunti yalo yasebhange mahhala noma nini lapho lithanda. Okufanele akwenze ukuthumela incwadi ebhalisiwe evuma ukuthi uyitholile, axhase ngemali i-akhawunti yakhe ukuze imali esele ibe phozithivu futhi abuyisele noma acekele phansi indlela yakhe yokukhokha.

🥀 Umehluko phakathi kwe-akhawunti yokuhlola kanye ne-akhawunti yokulondoloza

Uma uthi nhlá, i-akhawunti yamanje kanye ne-akhawunti yokonga kungase kubonakale kufana. Futhi ngesizathu esihle: womabili angama-akhawunti asebhange akuvumela ukuthi ufake imali yakho ebhange ngokuvikeleka okuphelele. Kodwa ngemuva kwalokhu kubukeka okuvamile kufihla imisebenzi ehluke kakhulu nokusetshenziswa.

Ake siqale nge-akhawunti yamanje. Njengoba igama layo liphakamisa, ihloselwe kakhulu ukuphatha imisebenzi yakho yasebhange yansuku zonke: bhalisa iholo lakho, khokha ama-invoyisi akho, ukuqoqa iholo lakho, njll. Ngokuqondile, yi-akhawunti yosekelo lapho ikhadi lakho lasebhange linamathiselwe khona ukuze ukhokhele izindleko zakho ezijwayelekile.

Ngakho-ke i-akhawunti yamanje yenzelwe a ukusetshenziswa kohwebo. Imali edlula kuyo ngokuvamile ayitholi nzalo futhi ingakhishwa noma nini. Lokhu kufinyelela unomphela ezikhwameni kuyenza i-akhawunti esebenzayo nsuku zonke, kodwa engathuthukisiwe kakhulu ekukhuliseni ukonga kwakho.

Ngokuphambene, i-akhawunti yokulondoloza yenzelwe ukwakha ukonga. Izibalo ezibekwe lapho zizokhiqiza inzalo kancane kancane, nakuba iphansi, kodwa ngaphandle kobungozi kanye nokutholakala ngokushesha. Umkhiqizo ophakathi phakathi kweqanda lesidleke kanye nokutshalwa kwezimali.

Ngokuqondile, lolu hlobo lwe-akhawunti alwakhelwanga ukubeka iholo lakho noma ukukhokhela igilosa yakho, ngaphansi kwesijeziso samakhomishini amakhulu. Ukusetshenziswa kwayo kunqunyelwe ukubeka eceleni ingxenye yeholo lomuntu, ngenhloso yokwakha a umatilasi wokuzivikela noma wenze iphrojekthi yesikhathi esizayo.

Njengoba singabona, lapho i-akhawunti yamanje yakhelwe ukuphatha ukusebenza kwansuku zonke, i-akhawunti yokonga inikezelwe ekwakheni imali egciniwe. Imikhiqizo emibili yasebhange enezinjongo ezihluke kakhulu okungafanele kudidaniswe!

Uma zisetshenziswa kahle ndawonye, ​​zikuvumela ukuba uzuze kukho kokubili izinzuzo ezingokoqobo ze-akhawunti yamanje kanye nenzuzo yokuthola inzuzo ku-akhawunti yokulondoloza. I-synergy ephelele yokuthuthukisa ukuphathwa kwakho kwebhange.

🥀 Izinzuzo zokuba ne-akhawunti yokuhlola

Ukuvula i-akhawunti yamanje ebhange kunezinzuzo eziningi nsuku zonke. Ukuthi uzophatha imali yakho noma wenze izinkokhelo, i-akhawunti yasebhange ibalulekile. Uhlolojikelele lwezinzuzo eziphathekayo ongazijabulela.

Okokuqala nje, ukuba ne-akhawunti yamanje kukuvumela ukuthi usebenzise iholo lakho: iholo, izibonelelo, umhlalaphansi, njll. Imali ingena ngqo ku-akhawunti yakho ngaphandle kokungenelela kwakho. Lena indlela elula futhi ephephe kunazo zonke ukuthola iholo lakhe.

nezinye inzuzo kasayizi: i-akhawunti yasebhange ikunikeza ukufinyelela kuzo zonke izixazululo zokukhokha. Ungakhokha izikweletu zakho ngedebithi eqondile noma uthenge ngekhadi lesikweletu, ku-inthanethi noma esitolo. Akusekho ukusetshenziswa kwemali okuyingozi!

Ngaphezu kwalokho, ngenxa yekhadi lakho lasebhange kanye nebhuku lakho lokuhlola, ungakwazi khipha noma ubeke izimali 24/24 kuma-ATM. Lokhu kutholakala unomphela kubalulekile uma kwenzeka isenzakalo esingalindelekile.

Ngasohlangothini lwabaphathi, i-akhawunti yakho yamanje ikuvumela ukuthi ulandelele kalula izindleko zakho nemali engenayo ngenxa yezitatimende zasebhange ezinemininingwane. Ngale ndlela ugcina ukulawula isabelomali sakho nsuku zonke. Futhi uma kwenzeka kuba nokuphazamiseka, umeluleki wakho webhange angakusekela.

Njengoba singabona, ukuba ne-akhawunti yasebhange kwenza kube lula kakhulu futhi kuvikele ukuphathwa kwemali yakho nsuku zonke. Phakathi kokulandeleka kokusebenza nezinsizakalo ezihambisanayo, kunzima ukwenza ngaphandle kwakho!

🥀 Ububi bokuba ne-akhawunti yokuhlola

Nakuba kubalulekile nsuku zonke, ukuba ne-akhawunti yamanje nakho kunobubi obuthile okufanele kukhunjulwe. Ngemuva kobulula obusobala be-akhawunti yasebhange kukhona nezingqinamba ezithile.

Okokuqala, ukubamba i-akhawunti yamanje akunjalo ungalokothi ukhululeke ngokuphelele. Ngale kwenani eliphansi lokuqhubeka nalo, kuzodingeka ukhokhele izinsiza ezithile ozikhethela zona kanye nemali yonyaka yama-euro ayishumi nambili. Izindleko ezinkulu.

Okunye okubi, idatha yakho yasebhange kanye nezinkokhelo zakho kulandelelwa unomphela. Nakuba lokhu kunikeza ukuvikeleka, lokhu kulandeleka okuqhubekayo kwebhalansi noma okwenziwayo kungase kubonakale njengokuhlasela kobumfihlo kwabanye.

Ngasohlangothini olusebenzayo-ke, amahora okuvula kanye nezinsuku zokugcina zamabhange endabuko kwesinye isikhathi zingaba nemingcele. Ukuthi uthintane nomeluleki wakho noma wenze imisebenzi ethile, a 100% i-neo-bank ephathwayo izonikeza ukuguquguquka okwengeziwe.

Ngaphezu kwalokho, kwenzeka ukuthi ukungasebenzi kahle kwezobuchwepheshe kubangela ukungatholakali kwesikhashana kwezinsizakalo zasebhange: ikhadi lasebhange elinephutha noma i-ATM, uhlelo lokusebenza lweselula olulungiswayo, njll. Ukuphazamiseka okuhlala kuhlawulisa ngokwezimali kakhulu.

Okokugcina, iphuzu lokugcina elibi liwukuthi ukuphindaphindeka kwezinsizakalo ezinikezwa amabhange endabuko ngezinye izikhathi kungaholela ekunikezeni okuyinkimbinkimbi, okulimazayo obala. Ukufunda phakathi kwemigqa yezinkontileka kubaluleka ngaphambi kokuzibophezela.

Njengoba sibona, ukuba ne-akhawunti yamanje, njengoba ingokoqobo, nakho kuveza ingxenye yayo yezingqinamba okufanele uzilungiselele. Nokho, izinzuzo zisadlula kude kumakhasimende amaningi.

🥀Imibuzo Evame Ukubuzwa

Ithini i-akhawunti yamanje?

I-akhawunti yamanje i-akhawunti yasebhange evulwe nebhange ukuze ulawule iholo lakho lansuku zonke, izindleko, izinkokhelo nokukhipha imali. I-akhawunti ephilayo eyenzelwe imisebenzi yansuku zonke.

Ingabe i-akhawunti yamanje iyakhokha?

yebo, ngokuvamile kuzodingeka ukhokhe ezinye izinkokhelo ezifana nezimali ze-akhawunti, izimali zekhadi, izinkokhelo noma amakhomishini. Kodwa ihlala inengqondo, kusukela ku-2-3 € ngenyanga.

Ngingakwazi ukukhipha i-akhawunti yami?

Yebo kungenzeka. Uyobe usuzuza ekugunyazweni kwe-overdraft, efinyelela kumakhulu ambalwa ama-euro, ukuze uthole izinkokhelo nenzalo enani elibomvu.

Ngikulandelela kanjani okwenziwayo ku-akhawunti yami?

Ungathintana nebhalansi yakho nemisebenzi ngesikhathi sangempela mahhala ngohlelo lweselula lwebhange lakho noma indawo eku-inthanethi. Futhi iphepha noma isitatimende sikagesi sishicilelwa kanye ngenyanga.

Ingabe kulula ukuvala i-akhawunti?

yebo, ukuvala kwenziwa ngesicelo esilula esibhaliwe esikhungweni sakho. Ibhalansi kanye nokwenziwe kwamanje kuzodluliselwa ebhange lakho elisha uma uvula elinye.

🥀 Ukuvala

Ekupheleni kwalokhu kuhlola okuphelele, ukusebenza kwe-akhawunti yamanje akusakugcinele izimfihlo!

Sihlaziye izimo zayo ezihlukene zokusebenzisa ukhonkolo ukuze silawule iholo lakho, izindleko, izinkokhelo kanye nokukhipha imali nsuku zonke. Sizihlaziye izitatimende zasebhange kanye nolimi lobuchwepheshe lwabeluleki iphuzu nephuzu ukuze manje sibone ngokucacile. Futhi sibuyekeze izinzuzo eziyinhloko kanye nokubi zale nsika yasebhange ukuze sizuze ezinzuzweni zayo ngaphandle kwezimanga ezingemnandi.

Manje usulungele ukuvula i-akhawunti yamanje ngolwazi olugcwele lwamaqiniso noma ubuze imibuzo efanele kubhange lakho ukuze wandise leyo osuvele unayo. Wonke amakhodi e-akhawunti yasebhange alethwa ngethileyi ukuze uthole ukunethezeka kwezezimali!

Manje kukuwe ukuthi uthenge phakathi kwezipesheli ezahlukene emakethe ukuze uthole inketho ekhangayo kakhulu ngokwezidingo zakho. Ukonga okukhulu!

Ngishiyele imibono yakho kumazwana