Konke odinga ukukwazi mayelana namasheke asebhange

Isheke lasebhange yiphepha eliphrintiwe ngaphambili elinesakhiwo esithile esijwayelekile. Amasheke asetshenziswa njengenkokhelo esikhundleni sikakheshi futhi angakhishwa/adonswe nganoma yiliphi inani elifiswa umkhiphi wesheke.

Ziyithuluzi lasebhange elinciphayo kodwa zisasetshenziswa kwamanye amazwe emhlabeni jikelele. Isetshenziswa emazweni amaningi aseYurophu ngisho nase-Afrika lapho ukufakwa kwezimali usebuthakathaka. Kodwa, kuyamangaza ukubona ukuthi abantu abaningi, ngisho nabasebenzi bezomnotho banolwazi oluyisisekelo kuphela lwamasheke.

Ngakho-ke, ngicabange ukubhala lo mhlahlandlela ochaza izimiso eziyisisekelo zamasheke asebhange, ukuthi zisebenza kanjani ukuze zikuvumele ngesikhathi esifanele ukuzisebenzisa esikhundleni senye indlela yokukhokha. Ngikutshela KONKE. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

Asihambe

🌿 Liyini isheke lasebhange?

Isheke yisivumelwano sokukhokha phakathi kwabantu ababili noma izinhlangano. Uma ubhala isheke, uyavuma ukukhokhela omunye umuntu noma inhlangano imali obakweleta yona futhi ucela ibhange lakho ukuthi likukhokhele.

Amasheke e-Cashier angase abe indlela ekhethwayo yokukhokha ezimweni ezithile zezezimali lapho udinga ukwenza inkokhelo enkulu noma ukhathazeke ngokuvikeleka kwenkokhelo.

Lolu hlobo lwenkokhelo luqinisekiswa yibhange, elinganikeza isiqinisekiso kubamukeli ukuthi isheke ngeke libuyiselwe uma kunemali enganele. Ngaphambi kokukhuluma nawe ngamasheke asebhange, ngingathanda kuqala ukwethula izinhlobo zamasheke ezikhona.

🌿Izinhlobo ezahlukene zamasheke

Kunezinhlobo ezahlukene zamasheke ngale kohlobo lwephepha eliqoqa uthuli emakhabetheni akho edeski. Ungase ungahlangani nazo njalo, kodwa ukuzazi kungakusiza ukukuvikela lapho uthenga.

Nakhu okudingeka ukwazi nge-cinq izinhlobo zamasheke ngaphezu kokuhlolwa komuntu siqu nalapho ungase uhlangane nabo.

#1 Amasheke asebhange, amasheke asebhange noma amasheke asemthethweni

Lolu hlobo lwesheke alunayo ingozi encane ukulisebenzisa kunesheke lomuntu siqu. Uma usebenzisa isheke lomuntu siqu, imali iphuma ngokuqondile ku-akhawunti yakho, ngakho uma kuvela ukuthi awunayo imali eyanele yokukhokhela lokho okukweletayo, umamukeli angase alahlekelwe yinhlanhla. Ngakolunye uhlangothi, isheke le-cashier ngeke ligxume.

Ngokuvamile isheke le-cashier futhi akuyona mahhala. Izinkokhelo zingahluka kuye ngebhange olisebenzisayo, uhlobo lwe-akhawunti onalo, nosayizi wesheke. Yilolu hlobo lwesheke esithakaselayo kulesi sihloko.

#2. Amasheke aqinisekisiwe

Isheke eliqinisekisiwe wuhlobo lwesheke lomuntu siqu eliqinisekiswa yibhange. Uma ubhala isheke, ibhange libheka ukuthi unayo yini imali eyanele ku-akhawunti yakho yokuhlola ukuze liyikhokhe. Angakwazi ukubamba lezo zimali kuze kube yilapho isheke seliphelile.

Isheke livamise ukuthi "liqinisekisiwe" ligxivizwe noma liphrintwe kulo. Izinkokhelo ziyahlukahluka kuye ngebhange olisebenzisayo kanye nosayizi wesheke.

#3. Ama-oda wemali yeposi

Ama-oda emali ayizitifiketi zephepha ezikhokhelwa ngaphambili ezisebenza njengesheke. Umamukeli obonisiwe angakwazi ukuwafaka noma awakheshe.

Inzuzo enkulu yama-oda eposi ukuthi ungawathenga ezindaweni eziningi ezahlukene, okuhlanganisa namahhovisi eposi. Lokhu lula kwenza kube inketho enhle kubantu abangawasebenzisi ama-akhawunti asebhange noma abangenakho ukufinyelela egatsheni eliseduze lebhange abalithandayo.

#4. amasheke electronic

Isheke likagesi inguqulo yedijithali yesheke lomuntu siqu lephepha elikhishwe ibhange lakho. Ungakwazi ukusetha izinkokhelo ezizenzakalelayo usebenzisa amasheke kagesi ukuze ungakhumbuli ukubhala amasheke wephepha wezikweletu eziphindelelayo njengerenti yakho noma imali yendlu.

#5. Umdondoshiya uyahlola

Nakuba ebukeka emuhle ezithombeni, lawo masheke amakhulu owabona ilotho nabawine emqhudelwaneni abaphethe ama-props nje. Abakwazi ukuzikhipha ngokheshi. Abawine ilotho ngokuvamile bathola imali yabo yangempela ngokudluliselwa ebhange.

🌿Umehluko phakathi kwamasheke asebhange namasheke omuntu siqu

Isheke lomuntu siqu likuvumela ukuthi uthumele imali komunye umuntu nge-akhawunti yakho yasebhange. Kuyincwadi yomthetho etshela ibhange ukuthi linikeze umuntu othile inani elithile lemali ephuma ku-akhawunti ethile yasebhange.

Ungagcwalisa eyodwa futhi uyinikeze cishe noma ubani, futhi angayifaka ku-akhawunti yakhe yasebhange noma ayikhiphe. Imali izothathwa ku-akhawunti yakho.

Nokho, isheke lasebhange lithathwa ezimalini zebhange kunezakho. Kuqinisekisiwe ukuthi akufanele kugxume, ngokungafani nesheke lomuntu siqu.

Ngokuvamile zixazulula ngokushesha kunamasheke omuntu siqu, okusho ukuthi izimali zingase zitholakale ngokushesha ngemva kokuba isheke labashashi selifakiwe kunesheke lomuntu siqu. Bheka lo mhlahlandlela ukuze ufunde kabanzi kumasheke asebhange, amasheke aqinisekisiwe kanye namasheke omuntu siqu

🌿 Acutshungulwa kanjani amasheke?

Wonke amasheke kufanele asetshenzwe - noma asulwe futhi akhokhwe - ngohlelo lokukhokha. Nansi indlela esebenza ngayo. Uma ufaka isheke ku-akhawunti yakho, ibhange lakho lithumela isheke ebhange lomuntu obhale isheke.

Leli bhange liqinisekisa ukuthi isheke lisemthethweni nokuthi kunemali eyanele ku-akhawunti yomnikezi wesheke ukuze ikhokhe isheke, bese lithumela izimali ebhange lakho. 

Le nqubo ingathatha izinsuku ezimbalwa, kodwa kumasheke amaningi ibhange lenza izimali zitholakale kukhasimende ngokushesha. Nokho, kuze kube yilapho ibhange lakho selithole isiqinisekiso ebhange le-checkbook lapho lazi khona ngokuqinisekile ukuthi izimali ziyatholakala.

Okungaqapheli abantu abaningi ukuthi kuze kube ibhange lithola lesi siqiniseko, empeleni lidlulisela imali kuwe.

🌿 Izingxenye zesheke lasebhange

Uma ufisa ukukhipha isheke lasebhange ukuze usule isikweletu noma uthenge, hlonipha lezi zinto ezilandelayo:

Idethi yesheke

Amasheke adwetshwa ngedethi ethile. Idethi ingaba yinoma iyiphi idethi oyifunayo futhi akudingekile ukuba ibe usuku obhale ngalo isheke.

Kodwa isheke linesikhathi sokufaneleka kusukela ngedethi ekhonjwe eshekeni. Isheke lomuntu siqu lihle izinyanga eziyisithupha, kanti isheke lebhizinisi/lenkampani lihle izinyanga ezintathu kuphela.

Ukwengeza, amanye amasheke okuthengisa akhishwa ngezikhathi ezithile zokuqinisekisa ezingaphansi kwezinyanga ezintathu. Isibonelo, amasheke enkokhelo yezabelo ngokuvamile akhishwa ngesikhathi sokufaneleka senyanga eyodwa.

Idethi yesheke ibalulekile ngoba umamukeli wesheke angakwazi ukukhipha isheke ngosuku noma ngemva kosuku lwesheke nangesikhathi sokufaneleka. Ukukhipha isheke igama elisetshenziswa ukuguqula isheke libe yimali yangempela.

Igama lomhlomuli

Ingxenye ethi "okhokhelwayo" ikuvumela ukuthi ubhale igama lomuntu noma inkampani okufanele ikhiphe isheke. Kodwa uma kuyisheke lebhizinisi, amabhange anciphisa ukheshi walo kuphela ngumuntu ogama lakhe livela esigabeni Okhokhelwayo.

Ungabhala futhi igama elithi "Cash" njengomzuzi esikhundleni somuntu noma igama lebhizinisi.

Lokhu kusho ukuthi isheke lihloselwe ukusetshenziswa njengokheshi. Noma ubani ophethe isheke angawukhesha ekhawuntani yegatsha lasebhange. Ukwengeza, ungakwazi ukunikeza isheke lemali olithole komunye umuntu uye kwelinye kanye nendlela yokukhokha.

Inani okumele liqoqwe

Kufanele ufake inani elizoqoqwa ngendlela yedijithali ebhokisini elinikeziwe. Imali oyibhala lapha kumele ifane nesamba osibhale ngamagama. Ngaphandle kwalokho, isheke lizonqatshwa ngebhange.

Kufanele futhi ubhale inani lesheke emagameni emigqeni enamachashazi enikeziwe. Kufanele uyibhale ngolimi oluqondwa yinoma yiliphi igatsha lebhange.

Umsayini ogunyaziwe

Uma uvula i-akhawunti yokuhlola, unikeza isampula yesignesha yakho ebhange. Kufanele ubeke isiginesha efanayo ukuze uqinisekise amasheke akho.

Le ndawo ingaphansi kwebhokisi lapho obhale khona inani ngezinombolo. Isheke elingenasiginesha elungile isheke elingavumelekile ngisho noma zonke ezinye izigaba ziqedwe ngendlela efanele.

Ukujoyina ama-akhawunti okuhlola kungase kube nomnikazi we-akhawunti ohlangene oyedwa noma ngaphezulu okufanele asayine isheke. Ukhombisa ekuvulweni kwe-akhawunti inani lamasignesha adingekayo ukuze isheke liqinisekise isheke. Lokhu kuvamise ukuba yisignesha eyodwa noma ezimbili.

Ukuba nabasayini abaningi eshekeni ukuze lisebenze kuwumkhuba ovamile wokuhlola ibhizinisi futhi kusetshenziswa njengendlela yokuvimbela ukukhwabanisa njengoba izinhlangothi ezimbili zizoqinisekisa isheke ngaphambi kokusayina. Isheke elinjalo ngokuvamile liphethe isitembu senkampani.

Indawo efundeka ngomshini

Wonke amasheke anendawo emhlophe evundlile ngaphansi kwesheke. Iphrintwa ngezinombolo nezinhlamvu ezikhethekile kusetshenziswa uyinki okhethekile okuthiwa uyinki kazibuthe kanye nefonti ekhethekile. Leli yifayela elifundeka ngomshini futhi akufanele ulimaze lesi sigaba sesheke.

Amabhange aphakela isheke alitholayo ukuze ahlole izikena futhi le ndawo ifundwa umshini. Izinhlamvu eziphrintiwe kule ndawo zibizwa ngezinhlamvu zeyinki kazibuthe.

🌿 Ungalifaka kanjani isheke ngomakhalekhukhwini wakho?

Kungenzeka ukuthi uzwile ngendlela entsha yokufaka amasheke akho. Idiphozithi yesheke ephathwayo noma ekude ikuvumela ukuthi uthathe isithombe sesheke lakho siqu, isheke lebhizinisi noma i-oda lemali (kuye ngokuthi ibhange) ulifake nge-elekthronikhi usebenzisa iselula yakho. Amabhange amaningi emhlabeni wonke manje anikeza le sevisi.

Le inqubo ilula. Sayina ngemuva kwesheke lakho bese ungena kuhlelo lokusebenza lwebhange lakho leselula, khetha isevisi yediphozi yesithombe bese ulandela imiyalelo. Inqubo ivikelekile futhi ulwazi lwakho lwezezimali alugcinwa kumakhalekhukhwini wakho.

Yonke imininingwane yezezimali nayo ibethelwe ngokuvikelekile. Ungabhala-ke ukuthi “ idiphozi » eshekeni bese uligcina endaweni ephephile isikhathi esifushane (amasonto amabili ngokuvamile liyatuswa) ngaphambi kokulicekela phansi.

🌿 Kunini lapho kungase kudingeke usebenzise isheke lika-cashier?

Amasheke e-Cashier ngokuvamile enzelwe ukusetshenziswa uma udinga ukwenza noma ukuthola izinkokhelo ezinkulu ngokuphephile. Izimo lapho kungase kudingeke ukuthi ukhiphe noma uthole isheke le-cashier zihlanganisa:

• Thenga noma uthengise imoto
• Thenga noma uthengise indlu
• Khokha idiphozithi yefulethi
• Khokha imali yokufunda kanye nezimali zasenyuvesi
• Ukukhokha isikweletu somuntu siqu esikhulu kumngane noma ilungu lomndeni
• Thola isamba semali njengengxenye yokuxazulula icala
• Thola ukuhoxiswa kwesamba semali ku-investimenti noma i-akhawunti yomhlalaphansi

Ungaphinda ukhethe ukuthola isheke lomuntu ophatha imali kunoma yisiphi isimo lapho udinga khona ukukhokha, kodwa awufuni ukuthi okhokhelwayo abe nolwazi lwakho. I-akhawunti yasebhange.

🌿 Ungagwema kanjani imikhonyovu yesheke lasebhange?

Kwesinye isikhathi izigebengu zenza amasheke omgunyathi noma ziguqule igama noma inani lesheke elisemthethweni. Ukukhwabanisa. Kunezinyathelo ezimbalwa ongazithatha ukuze uzivikele ekukhwabaniseni amasheke. Nawa amathiphu ami:

• Njalo gcina amasheke akho endaweni ephephile.
• Uma uvala i-akhawunti yakho, hlephula wonke amasheke angasetshenzisiwe.
• Uma uthola isheke elingabonakali lisemthethweni, cela enye indlela yokukhokha.
• Hlala nabakhokhi abathembekile. Qaphela izinkokhelo zesheke lokheshi ezinkampanini noma abantu ongabazi.
• Hlola amasheke othatha imali ngaphambi kokwamukelwa. Ngaphambi kokwamukela isheke lasebhange njengenkokhelo, xhumana nebhange elikhiphile. Lokhu kuzokuvumela ukuthi uqinisekise ukuthi isheke liyiqiniso.
• Bheka amafulegi abomvu asobala. Ezinye izimpawu ezisobala zokuthi isheke lasebhange lingase libe inkohliso zihlanganisa umbhalo ongcolile noma imininingwane engekho. Ngokwesibonelo, umuntu angaba nokuntuleka kwenombolo yomzila noma i-watermark yasebhange.
• Linda ukuthi isheke lisule. Ungenzi izinkokhelo noma uthenge ngenani lesheke lomuntu ophatha imali uze uqinisekise nebhange lakho ukuthi isheke lisuliwe. Uma isheke libhampa, ukhokha imali ye-overdraft yasebhange.

🌿 Izinzuzo kanye nobubi bamasheke asebhange

Amasheke e-Cashier anganikeza izinzuzo ezimbalwa lapho wenza izinkokhelo, kodwa kunezinto ezimbalwa ezingase zibe phansi okufanele uzikhumbule. Nasi isifinyezo sezinzuzo kanye nokubi kwesheke lasebhange.

Izinzuzo zamasheke asebhange

Inkokhelo ivikelekile. Njengoba izimali zikhishwa ku-akhawunti yasebhange futhi ziqinisekiswe yibhange, akudingeki ukhathazeke ngokubuyiswa kwesheke ngemali enganele. Lokhu kungakusiza ukuthi ugweme ukukhokha imali eyengeziwe kanye nezindleko zokukhokha ezibuyiselwe.

Ukutholakala kwezimali kungase kusheshe. Amabhange asebenzisa izinqubomgomo zokutholakala kwezimali ukuze anqume ukuthi amadiphozithi azosulwa nini. Isibonelo, ezinye izinkokhelo zingathatha izinsuku zebhizinisi ezinhlanu ukuze zisule, noma isikhathi eside kumadiphozithi amakhulu.

Njengoba isheke lomuntu ophatha imali liqinisekisiwe, isikhathi sokubamba singase sibe sifushane kunenkokhelo isheke lomuntu siqu.

Ukuvikeleka kunyusiwe. Isheke lika-cashier linganciphisa ingcuphe yokukhwabanisa kwesheke njengoba umuntu elikhishelwe kuye kuphela ongalikhipha imali. Amasheke asebhange anezici zokuphepha ezithuthukisiwe, njengama-watermark, ukuze kunqandwe ukuphindaphinda okuwumgunyathi.

Ukungalungi kwamasheke asebhange

Akuwona amaphutha. Amasheke e-Cashier aphephe kakhulu kunezinye izinhlobo zokukhokha kwamasheke, kodwa asengaba yimpokophelo yokukhwabanisa. Abakhwabanisi bangakha amasheke asebhange abukeka eyiqiniso ukuze akukhokhele okuvezwa ukuthi angamanga uma uzama ukuwafaka ebhange lakho.

Amasheke asebhange ngokuvamile afika nemali. Nakuba amanye amabhange engase anikeze amasheke okheshi mahhala, le nzuzo ingase itholakale kuphela uma une-akhawunti yokuhlola i-premium. Isikhathi esiningi uzokhokha imali cishe u-$10 ngesheke lika-cashier.

Kufanele uye egatsheni lakho lasebhange. Yize ungakwazi kalula ukubhala isheke lomuntu siqu ebhukwini lakho lokuhlola ekhaya, ngokuvamile kuzodingeka ukuthi uye ebhange ukuze uthole isheke lomuntu ophatha imali uma isikhungo sakho sezezimali singakuvumeli ukuthi uwa-ode ku-inthanethi.

Lokhu kungaba nzima ukukwenza uma udinga ukwenza inkokhelo ngaphandle kwamahora ajwayelekile okubhanga. Isibonelo, Ukuzama ukuthenga imoto ngoMgqibelo kungase kudinge ukulinda kuze kube uMsombuluko uma ibhange lakho lingenayo impelasonto noma amahora akusihlwa.

🌿 Isifinyezo...

Sekukonke, isheke lasebhange linikeza ukuvikeleka okuphezulu kunokusebenzisa isheke lomuntu siqu noma i-oda lemali. Izinhlobo zokwenziwe ezihlukene zifanele izinhlobo zokukhokha ezihlukene.

Ngemisebenzi emikhulu, ukunikeza (noma ukwamukela) isheke lika-cashier kungase kube ukukhetha okungcono kakhulu. Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge.

Siyabonga ngokwethembeka kwakho