Iyini i-EFT?

I-EFTe igama elivamile elisetshenziselwa ukuchaza ukudluliswa kwemali isuka kwenye i-akhawunti yasebhange iye kwenye. Kungakhathaliseki ukuthi kusezingeni likazwelonke noma lamazwe ngamazwe. Ukudluliselwa kwebhange kuya ebhange kuvumela abathengi ukuthi badlulise imali nge-elekthronikhi. Ikhona idijithali yomkhakha wamabhange.

Ngokuqondile, bakuvumela ukuthi udlulise imali isuka ku-akhawunti enebhange iye ku-akhawunti enesinye isikhungo. Uma ungakaze usebenzise le sevisi ngaphambilini, kungase kubonakale kudida kancane.

Uma udinga usizo lokuqonda ukuthi lusebenza kanjani, nakhu okudingeka ukwazi mayelana nokudluliswa kwemali ebhange. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

🥀 Izimiso eziyisisekelo ukudluliselwa

Amabhange amaningi aphezulu enza kube lula kumakhasimende awo ukudlulisa izimali. Nakuba le sevisi ngokuvamile mahhala, kungcono kakhulu ukuqinisekisa lokhu ngaphambi kokuqala ukudlulisa.

Imithetho mayelana nenani lemali ongayidlulisela ngesikhathi esisodwa ingahluka kuye ngebhange lakho. Kodwa ngokuvamile, noma ubani ofuna ukudlulisa izimali angakwenza lokho ngekhompyutha yakhe noma idivayisi yeselula. Uma usuqale ukudlulisa imali ngezintambo, enye i-akhawunti yakho yasebhange ingathola lezo zimali zingakapheli izinsuku.

Khumbula ukuthi ukudluliselwa kwebhange kuya ebhange kuvumela kuphela abantu ukuthi bashintshisane ngemali phakathi kwabo ukuhlola ama-akhawunti siqu kanye nama-akhawunti abo okulondoloza. Uma ufuna ukuthumela imali komunye umuntu, udinga ukuthola ukuthi ibhange lakho liyakunikeza yini le sevisi.

Ukudluliselwa kwebhange kungasho izinto ezihluke kancane kuye ngezinhlobonhlobo zezinye izici. Ngobubanzi, leli gama lingasetshenziswa ukubhekisa kwenye yezinto ezimbili ezihlukene:

• Ukudluliswa kwemali kuzwelonke, lapho izimali zithunyelwa zisuka kwenye i-akhawunti yasebhange ziye kwenye ezweni elifanayo;
• Ukudluliswa kwemali kwamanye amazwe ukuthumela izimali kusuka ku-akhawunti yasebhange kuya kwenye ezweni elihlukile, ngokuvamile okuhlanganisa ukushintshana kohlobo lwemali.

🥀 Ukudluliselwa kwebhange: okwamazwe ngamazwe vs. kuzwelonke

Ukudluliswa kwemali kwasekhaya kuhamba ngamagama amaningana. E-United States, isibonelo, lezi zinhlobo zokudlulisa zifana ngokuyinhloko nokudluliswa kwe-ACH, kuyilapho e-United Kingdom zaziwa ngokuthi ukudluliselwa kwe-ACH. CHAPS ukudluliselwa.

E-EU, ukudluliselwa kwebhange kubizwa ngokuthi izinkokhelo ze-SEPA, kuyilapho e-Canada kubizwa I-Interac e-Transfers. Ukudluliswa kwemali kwasekhaya kubonakala ngamabhange asebenzisa inethiwekhi yezokuxhumana kazwelonke ukuthumela izimali zisuka kwenye i-akhawunti yasebhange yendawo ziye kwenye.

Endabeni yokudluliselwa kwamanye amazwe, ngakolunye uhlangothi, ukudluliselwa kwebhange ngokuvamile kufana nokudluliswa kwemali ngezintambo. Kulokhu, amabhange emhlabeni wonke athumela imali kuma-akhawunti awo esebenzisa inethiwekhi yokuxhumana yamazwe ngamazwe ebizwa ngokuthi i-SWIFT.

Inethiwekhi ye-SWIFT (Society for Worldwide Interbank Financial Telecommunications) iyinethiwekhi yamabhange esetshenziselwa ukushintshana kwamabhange ngamazwe ngamazwe. Inezikhungo ezingaphezu kuka-7 ezixhunywe emazweni ayi-000.

🥀 Iyini inkokhelo ye-ACH?

Izinkokhelo ze-ACH yizimali ezihanjiswa nge-Automated Clearing House (ACH). Indlu yokuhlanza e-USA isebenza njengohlobo " Lesisemkhatsini » phakathi kwamabhange ngokudlulisela imali ngekhompyutha isuka kwelinye ibhange iye kwelinye.

Uma ukhipha imali ebhange lakho ngenkokhelo ye-ACH, ukudluliselwa okuningi kuhlanganiswa ndawonye ngezikhathi ezithile zosuku futhi kuthunyelwe ngamaqoqo.

Izibonelo zamanethiwekhi okukhokha afanayo phesheya yi-SEPA ye-EU (Single Euro Payments Area), CHAPS (Ukusula Isistimu Yokukhokha Ezenzakalelayo Yendlu) kusuka e-United Kingdom nokungena ngqo e-Australia.

🥀 Izinhlobo zokudluliswa kwemali ebhange

Ngokuvamile kunezinhlobo ezimbili zokudlulisa: ukudluliselwa kanye kanye kanye nokudluliselwa unomphela.

Ukudlulisa ngesikhathi

Ukudluliswa kwemali kuthathwa njengokuphuma kanye uma i-oda likhishelwa umsebenzi owodwa. Ezimweni eziningi, uma kwenziwa ku-inthanethi kusuka endaweni ye-inthanethi yebhange, le sevisi imahhala. Uma icelwa egatsheni, ngefeksi noma ngocingo, ingafakwa kwi-invoyisi (isibonelo kufika ku-4 €).

Esimeni lapho imininingwane yasebhange yomuntu ohlomulayo ingalungile noma ingaphelele, izindleko ezengeziwe zingengezwa.

Ukudlulisa unomphela

Ukudluliswa kwemali kuthiwa kuhlala unomphela (noma kuyazenzakalela) uma ibhange likhipha umyalelo wokuthi liphinde izikhathi eziningana ngezikhathi ezithile. Leli oda lingahlelelwa isikhathi esinqunyiwe noma esingapheli. Ingakhanselwa nganoma yisiphi isikhathi inqobo nje uma wazisa ibhange lakho ngeposi nge-AR.

Uma kwenziwa ku-inthanethi, ama-oda amile ngokuvamile amahhala. Uma zisethiwe noma zishintshwa egatsheni, imali (isibonelo 1 €) ingafunwa lapho usetha isevisi. Ukudluliselwa kwamanye amazwe kuyakhokhiswa.

Isikhathi esiningi ibhange ligcina iphesenti lokudluliswa kwemali (isibonelo u-0,08% yenani). Amakhomishana okushintshanisa kanye namachweba (izinkokhelo ze-SWIFT) nawo angakhuphula umthethosivivinywa.

🥀 Izindleko ezifihliwe zokudluliswa kwemali ebhange

Ngokuvamile, ukudluliselwa kwebhange lasekhaya kubiza kakhulu ukuthumela futhi kungashibhile ngezinye izikhathi khululeka. Izimali ezikhokhwayo, uma zikhona, zithathwa njalo ku-akhawunti yomkweleti.

Ngokwesivumelwano se-akhawunti esiqondene nebhange ngalinye kanye nohlobo ngalunye lwe-akhawunti, izinkokhelo zingabanjwa kuye ngomthombo we-oda (ikhawunta noma i-inthanethi) nokuthi ingabe i-akhawunti yaphesheya. Ngokuvamile, ukudluliselwa nge-inthanethi kumahhala, ngokungafani nokudluliselwa oku-odwe ekhawunteni, okungaphansi kwekhomishini.

Ngakolunye uhlangothi, ukudluliswa kwemali ebhange lamazwe ngamazwe yilapho kudluliselwa khona imali ibe eqolo. Ngempela, lapho udlulisela phesheya ngebhange, uzokhokha izimali ezifihliwe (ezibizwa ngokuthi i-exchange margin) ukuze uguqule imali yakho ibe olunye uhlobo lwemali ngaphezu kwazo zonke izindleko ezimisiwe ezijwayelekile, amakhomishini nokunye.

Ezimweni ezimbi kakhulu, abantu abaningi bakhokha isamba semali esukela kufika ku-10 kuya ku-15% noma ngaphezulu kwesamba senani eliphelele lokudluliswa kwabo ukuze bathumele imali phesheya kwezilwandle, okwenza inqubo ibize kakhulu.

Ngenhlanhla, kunenqwaba yokushintshisana ngemali ebiza kancane nabahlinzeki be-fintech laphaya. Laba bahlinzeki basebenzisa inethiwekhi ehlakaniphile yama-akhawunti asebhange amazwe ngamazwe ukuze badlule ngokuphelele inethiwekhi ye-SWIFT, bagweme cishe zonke izimali ezikhokhwayo zamakhasimende abo! Ngenxa yalokho, abasebenzisi bavame ukukhokha ngaphansi 1 noma 2% yenani lokudluliswa kwabo ngezimali ezikhokhwayo!

🥀 Ukudluliswa kwe-ACH vs Ukudluliswa Kwebhange

Nakuba ukudluliselwa kwe-ACH okuvela emabhange kuvamise ukushibhile kunokuthunyelwa ngezintambo, kusathatha isikhathi eside ukufika. Ngokuvamile izinsuku ezimbili kuya kwezintathu. Lokhu kungenxa yokuthi uhlelo lokucubungula iqoqo lusho ukuthi ukudluliselwa kufanele kulinde isikhathi esithile kuze kube yilapho imali idluliswa kanye nokunye ukuthengiselana.

Ngakolunye uhlangothi, ukudluliswa kwemali ebhange kuhlala kudinga izimali ezishintshashintshayo ngokuvamile phakathi kuka-25 no-40 € ngokudluliswa okuvela kuma-akhawunti ase-US. Nokho, lokhu kudluliselwa kuyashesha futhi kuvamise ukuthatha kufika emahoreni ama-24.

🥀 Ukudluliswa kwebhange nezinsuku zokusebenza

La usuku lokusebenza est ukuthi ukudebhithi noma ukuthengiselana ngesikweletu kubhalwa khona yibhange. Uma i-oda lokudlulisa li-odwa ngesikhathi esiseduze nokuphela kosuku lwebhizinisi, lizobhekwa njengelitholakele ngosuku olulandelayo lwebhizinisi.

Uma isikhathi sokutholwa singelona usuku lokusebenza, i-oda lokudlulisa lithathwa njengelitholwe ngosuku olulandelayo lokusebenza. Ukwenziwa kwenkokhelo ngayinye kwaziswa abanikazi bama-akhawunti amabili athintekayo (umkweleti/umkweleti). I-periodicity yezaziso incike esivumelwaneni se-akhawunti. Kungaba nsuku zonke, nyanga zonke, njll.

Kungenzeka uphikise umsebenzi wokudlulisa ngokuthumela incwadi ebhange lakhe nge-AR. Ziningi izimo ezingenzeka:

• uma inani lokudluliswa liphakeme kunalokho eliceliwe, okweletayo une Isikhathi sokuhola amaviki angu-8;
• uma ukusebenza kungagunyaziwe noma kwenziwe ngokungalungile, lesi sikhathi sinwetshwa sibe yizinyanga eziyi-13 ngemuva kosuku lokudonswa kwemali ngaphambi kokuvalwa.

🥀 Indlela yokudlulisa imali ebhange?

Ngaphambi kokudlulisa imali ebhange, kufanele uqinisekise ukuthi unekhredithi eyanele ku-akhawunti yakho. Uma kungenjalo, uzichaya ekunqatshelweni (ngakho-ke nasezindlekweni ezihlobene). Kufanele futhi ube ne-RIB yombolekisi wakho ne-BIC yakhe (Ikhodi Yesihlonzi Sebhange). Unquma ukuthi ibhange lakhe kanye ne-IBAN yakhe kuhlala kuphi (Inombolo Ye-akhawunti Yebhange Lamazwe Ngamazwe) ekhomba i-akhawunti yabo yasebhange.

Kungakhathaliseki ukuthi ku-counter noma ku-inthanethi, kufanele ugcwalise i-oda lokudlulisa. Leli oda libonisa inombolo ye-akhawunti yakho, inani elizodluliswa, usuku lokukhishwa kanye nemininingwane yasebhange yombolekisi wakho. Ibhange linqatshelwe ukwenza imali ngaphandle kwemvume yakho ngaphandle uma liyalwe Umgcinimafa Womphakathi.

🥀 Amaphuzu abalulekile

Ukuze udlulise imali phakathi kwama-akhawunti asebhange, kungase kudingeke uxhume ama-akhawunti akho amabili. Kwesinye isikhathi kungathatha iviki.

Uma udinga ukudlulisa imali ku-akhawunti yakho kwelinye ibhange, kungcono ukugwema ukulinda kuze kube umzuzu wokugcina ukuze uqalise. Uma i isikhathi siyinkinga, ungase ukwazi ukusheshisa ukudlulisa kwakho. Kodwa kungakubiza kakhulu.

Amanye amabhange avumela amakhasimende ukuthi amise ama-akhawunti awo ukuze adluliselwe ngokuphindaphindiwe. Ngakho-ke uma wenza izimali zakho ngokuzenzakalelayo futhi ngezikhathi ezithile udlulisela imali phakathi kwama-akhawunti emabhange ahlukene, ukusetha lesi sici kungakongela isikhathi.

🥀 FAQ Nasi isibonelo se-FAQ ye-EFT

Iyini i-EFT?

Ukudluliselwa kwebhange kuwumsebenzi ovumela ukuthi imali idluliselwe phakathi kwama-akhawunti amabili asebhange. Kuyindlela esheshayo nelula yokuthumela noma yokwamukela izimali.

Kwenziwa kanjani ukudlulisa?

Odinga ukukwenza nje ukunikeza ibhange lakho inombolo ye-akhawunti ye-IBAN yomamukeli kanye negama. Bese ukhombisa inani ozolidlulisela. Umsebenzi uvikelekile futhi ucishe uvele ngokushesha.

Ingabe ukudluliswa kwemali kuyakhokhiswa?

Ukudluliselwa okuningi phakathi kwabantu ngabanye kumahhala ngaphakathi kwendawo ye-euro. Kodwa-ke, izimali zingasebenza ngokudluliselwa kwamanye amazwe noma ezinemibandela ethile.

Ngingakwazi ukukhansela ukudluliswa?

Ungakhansela ukudluliselwa ngaphambi kokwenziwa kwakho kokugcina. Kodwa uma ukudlulisa sekusebenza, akusakwazi ukubuyela emuva. Isicelo sokubuyiselwa imali sizobe sesincika kumamukeli.

Ingabe ukudluliselwa kuyalandeleka?

yebo, ukudluliswa ngakunye okwenziwe kubhalwa amabhange. Umthumeli nomamukeli bayaziwa. Lokhu kusiza ukulwa nokukhwabanisa nokushushumbiswa kwemali.

Ungakhohlwa ukuqinisekisa ukuthi ukuthengiselana kwakho kwenzeka ngesikhathi esifanele. Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge.