Nekufambira mberi kwehunyanzvi hweruzivo, masevhisi ekubhengi uye manejimendi epamhepo akaumba ecosystem yemari ine mashandiro epamusoro. Chaizvoizvo nekuda kweichi chikonzero, runyorwa runotevera rwunovavarira kudzidza iyo online account kuti uone kuti ndedzipi dzakanakisa dze2022.
maaccounts anoshanda sei Online?
Nhasi, masevhisi ekubhengi ari nyore uye anowanikwa kupfuura nakare kose: nekuda kwe kuvandudzwa kweruzivo rwemichina uye kufambira mberi kusingasaruri kwezvekufambiswa kwemashoko, chikamu chebhangi chinopa mukana wekutonga wega kuburikidza nemapuratifomu uye mafoni ekushandisa izvo garandiso yekukurumidza kuwana maakaundi emunhu.
Nenzira iyi, the zvikwereti paIndaneti vanoshanda zvakafanana nemaakaunti tsikakunyange zvakadaro nemamwe maitiro avo: kuwanikwa kwekukurumidza, kukurumidza kwekutengeserana, mari yekudzorera mishumo, chikumbiro chemari masevhisi akadai sezvikwereti, zvikwereti uye inishuwarenzi.
Saizvozvowo, la otomatiki yekushanda inoderedza manejimendi mutengo, zvauri zvakachipa kune vatengi: kushaikwa kwemakomisheni, mari yekutonga uye mitengo yakatarwa. Muchokwadi, kune akabhadharwa maakaundi anotopa kudzoka kwakabatana nekushandiswa kwavo kana kuburitswa kwemakadhi pasina muripo.
chepamusoro yezvakakosha paIndaneti zvazvino
Iyo inotevera rondedzero inotora akanakisa maakaundi paIndaneti zvichienderana nerudzi rweakaundi paIndaneti izvo zviri, zvakanakira uye kuita kwayo. Mhando dzakasiyana dzeakaunti dzakaratidzwa pazasi dzinosanganisira zvakagovaniswa maficha uye mabhenefiti. Nokudaro, aya haasi mapoka akatarwa, asi Vakarongwa maererano neunhu hunonyanya kutonga mune chimwe nechimwe. wavo -semuenzaniso, purofiti kana mutengo.
Maakaundi asina makomisheni
Chokutanga pane zvose, kune marudzi aya e zvikwereti paIndaneti hapana makomisheni kana mari yekugadzirisa. Aya marudzi emaakaundi anoshandiswa kuita anowanzo kubhanga mabasa emahara, Pasi pemamwe mamiriro: yakananga dhipoziti yekubhadhara, chengetedza chiyero muakaundi, ita madhipoziti akawanda pamwedzi, nezvimwe.
Aya marudzi emamiriro emutengo wakaderera uye mabhenefiti anogona kuwanikwa mune mamwe marudzi emaakaundi - mubhadharo, mubhadharo, savings-, zvisinei, chii chinoratidzira rudzi urwu rweakaundi ndechekuti. zvinodiwa zvishoma uye saka, zviri nyore kune wega manejimendi. Pakati pake chikuru zvakanakira zvinogona kutaurwa:
- Kushaikwa kwemakomisheni, mari yekugadzirisa uye mari yakatarwa
- mahara debit card
- Kuendeswa kwemahara
- Haidi payroll debit
- huviri muridzi
Ukuwo, pakati zvakanyanya kukanganisa zvinogona kutaurwa:
- Iwe hauna kadhi rechikwereti remahara
- Mari yekuchinjana ine mutengo
Payroll maakaundi
Rudzi urwu rweakaunzi paIndaneti zvinoonekwa nekupa mabhenefiti akasiyana kana uchibvisa zvakananga payroll nesangano. Mabhenefiti anopihwa achaenderana nesangano rinotarisira iyo account, asi kazhinji izvi akakodzera mune zvese zviitiko.
Nemhando idzi dzeakaundi paIndaneti vatengi vane mukana wekubvisa zvakananga mubhadharo wavo uye shandisa pakufunga kwako uye pasina miganhu. Iyo bhangi, kune chikamu chayo, inoona kuwanikwa kukuru kwedhipoziti uye, saka, kuita kuri nani kwemari. Ndiko kusaka vachipa zvinobatsira sezvipo, mabhonasi kana kudzoka. Yavo chikuru zvakanakira Ndizvo:
- Kushaikwa kwemakomisheni, mari yekugadzirisa uye mari yakatarwa
- mahara debit card
- Kuendeswa kwemahara
- € 100 yekubvisa zvakananga muhoro
- huviri muridzi
- hapana mhindu
Kune rimwe divi, iyi online account ine zvakaipira:
- Munhu wacho anofanira kunge ari pakati pemakore 18 ne31 okuberekwa
maakaundi ane mhindu
Mabhiri paIndaneti Masevhisi anobhadharwa imhando yebasa iro hunhu hukuru ndehwekuti vanobvumira kuwana mubairo pabasa rako. Chokwadi, vanopa a mari muchimiro chekufarira, zvichienderana nemadhipoziti akaitwa: mutengi ingochengeta chiyero chenguva dzose muakaundi yako.
Izvi, zvisinei, hakutadzisi mutengi kubvisa mari yake nekukurumidza uye hapana kurambidzwa — tichiremekedza zviga zvakatangwa nesangano—. Kazhinji aya ndiwo maakaundi. paIndaneti , que dzakafanana chaizvo neakaunzi ekubhadhara. Pakati pake chikuru zvakanakira zvinogona kutaurwa:
- Kushaikwa kwemakomisheni, mari yekugadzirisa uye mari yakatarwa
- kadhi rechikwereti remahara
- Kuendeswa kwemahara
- Kusvika ku340 € kwemakore maviri ekutanga
- Kusvika ku5% APR yegore rekutanga
- Kusvikira ku2% APR gore rechipiri
Pakati pake kukanganisa Izvo zvinotaurwa:
- Haana kadhi rekubhengi remahara
Current accounts
Kuongorora account Ndiyo imwe yemaitiro echinyakare muchikamu.. Iyo account yepamhepo inobvumira manejimendi ezuva nezuva pasina kudiwa kwemhando ipi neipi yekubatanidza nesangano kana bhangi. Mupfungwa iyi, ese ekirasi mashandiro anogona kuitwa pasina anosunga mamiriro.
Izvi zvakafanana zvine chekuita nekomisheni-yemahara maakaundi, kunyange zvazvo vachikumbira zvishoma zvinodiwa: pasina kushandiswa, dhipoziti, kugadzirisa kana nhamba yekuchinjisa pamwedzi. Zvisinei, kana vane zvimwe zvinodiwa zvekuhaya izvo zvingave zvakasiyana. Pakati pake zvinobatsira zvinogona kutaurwa:
- Kushaikwa kwemakomisheni, mari yekugadzirisa uye mari yakatarwa
- mahara debit card
- Kuendeswa kwemahara
- Payments kubva App mobile
- Kugadzira 100% paIndaneti
Kune rumwe rutivi, kana iwe uine zvimwe kukanganisa:
- Haipe mahara kadhi rechikwereti
- Inowanikwa kune vatengi vatsva chete
Akaundi yekuchengetedza
Pakupedzisira, nhoroondo paIndaneti zvekuchengetedza midziyo yebhangi vane chinangwa chikuru kuchengetedza. Iko kusanganiswa kweakaundi yekubhadhara uye iyo yakabhadharwa account, kusvika kuchengetedza kunounza kudzoka kweavhareji nekuchengetedza kwesara muakaundi.
Nekudaro, kusiyana nemaakaundi ekubhadhara, haina zvakawanda zvinodikanwa. Naizvozvo, iyo purofiti yakaderedzwa, asiwo huwandu hwemari inodiwa pakuhaya kwayo. Maakaundi erudzi urwu haitenderi kukumbira mabasa emari Chemhondoro zvikwereti kana zvikwereti, sezvo chinangwa chayo chiri kuchengetedza. Pakati pake chikuru zvinobatsira zvinogona kutaurwa:
- Kushaikwa kwemakomisheni, mari yekugadzirisa uye mari yakatarwa
- Kuendeswa kwemahara
- Kubvisa mari paATM mahara