Kuva neakaundi mubhangi kwakajairika. Kuti vanokubhadharisa makomisheni, zvakare. Zvisinei, kwenguva yakati zvino ava havaiti chimwe chinhu kunze kwokukwira uye vachifunga kuti mari haisi nyore kuwana, kuitora nokuda kwokuva neakaundi chinhu chisingadiwi nomunhu. Saka, tingataure sei newe nezve akanakisa maakaundi asina makomisheni?
Pazasi isu tinokuudza nezve mamwe maakaundi aunogona kuvhura uye maaisazofanira kutakura makomisheni uye kuti ivo vaizotora chikamu chemari yako nekungoita kuti ichengetedzwe mubhangi. Unoda kuziva kuti chii?
Sei mabhanga achibhadharisa makomisheni?
Makomisheni pakuita mamwe manejimendi, kuchengetedza mari ... vanoridza bhero here? Aya ndiwo mamwe emitengo yauchafanirwa kutora yekuve neakaundi kubhanga. Kureva kuti nekusiya mari yako kubhanga kuti ive yakachengeteka, zvinokutorera mari.
Mazhinji emari anowanzo kubhadhariswa pakushandisa iyo account masevhisi. Semuenzaniso, kana iwe ukaendesa kubhangi kune rimwe bhangi, vanogona kukubhadharisa pakati pe4 ne20 euros (yekupedzisira kana iri kuendesa kune rimwe bhangi kunze kwenyika). Asi ivo vanogona zvakare kukubhadharisa nekuda kwekuva nekadhi rechikwereti (kurichengetedza), yekuchengeta account yakavhurika, yekubhadhara bhiri...
Uye muzviitiko zvakawanda haina kudhura, saka vazhinji vanosarudza kutsvaga komisheni-yemahara maakaundi anovabvumira kuchengetedza mune izvi.
Ndeapi akanakisa komisheni-yemahara maakaundi?
Tisati takuudza nezveimwe neimwe yatakawana (kuburikidza nevaenzanisi), tinofanira kukuyambira kuti ruzivo urwu runogona kuchinja kubva pamwedzi kuenda kune mumwe. Zvinogoneka kuti, ukaverenga chinyorwa ichi, imwe nguva yapfuura uye kupa kwavakanga vaisa mubhangi hakuchashandi. Nekudaro, ivo vanenge vachigara vaine imwe, iri nani kana yakaenzana neyekare, saka zvinokupa iwe pfungwa yemhando yemabhangi ane hanya nevatengi (uye kwete nezve purofiti kubva kwavari).
Kurudziro yedu ndeyekuti, kana uchitsvaga akanakisa komisheni-emahara maakaunti, tarisa zvakajairika wobva waenda zvakananga kubhangi iro uye ubvunze chero mibvunzo yavanayo nezve aya makomisheni-emahara maakaundi (kana vachiri nawo, mamiriro, uye pamusoro pezvose. , chinyorwa chakanaka).
Izvo zvakati, iwo atakawana panguva ino ndeaya anotevera:
MyInvestor Account
Pamwe hauzomuzivi. Muchokwadi, haina kunyatsozivikanwa, asi chokwadi ndechekuti ndiyo yakanakisa mumwedzi waKurume.
Kutanga, havabhadharise makomisheni ekugadzirisa, manejimendi, kutamisa kana makadhi ekubhengi.
Mukuwedzera, yekutanga 50.000 euros yechiyero yaunayo muakaunti yako uye uchengete kwegore ichava nemubairo we2%, uye kubva mugore rechipiri ichadonha kusvika ku0,3% TIN.
Sezvakashambadzirwa, ivo "neo bank yerusununguko: hapana tambo dzakabatanidzwa, hapana mubhadharo."
Zvino, iwe zvechokwadi uchada kuziva kuti nderipi bhangi iri rinopa iyo account. Yakagadzirwa muna 2017 uye ibhangi redhijitari rinoshandiswa neAndbank Spain. Hongu, sezvaunoverenga, tiri kutaura nezvebhangi reSpain. Muna 2022 yakange yatove nevatengi vanopfuura zviuru zana nemakumi mashanu uye anopfuura mamirioni gumi emadhora pagore.
Banco Sabadell online account
Kana iwe uchida kuve nesarudzo dzakawanda mukati meakaundi akanakisa pasina makomisheni, imwe sarudzo isina kushata zvachose ndeiyi kubva kuBanco Sabadell.
Sezvakatsanangurwa, iwe unenge usina mamiriro kana makomisheni, uye iwe zvakare uchawana mubairo we2% mukati megore rekutanga pane yako yekutanga 30.000 euros.
Kana riri kadhi rekubhengi, nderemahara uye haufanirwe kubhadhara muhoro wako kana marisiti kana usingade. Kana iwe ukaisa muhoro, uye iwe uri mumwe wevatengi zviuru makumi maviri, ivo vanokupa mazana maviri nemakumi mashanu emaeuro. Asi nekuda kweizvozvo iwe unofanirwa kuve nechokwadi pamberi, usashamisika kuti hazvisvike kwauri.
Orange Bank account ikozvino
Orange haingotarisiri Internet chete, runhare… asi inoshandawo nebhangi. Ehe, ivo vanopa mamwe mamiriro kana iwe uri mutengi weOrange, uye vamwe kana usiri.
Kune rimwe divi, iwe hauzove nemakomisheni kana mamiriro. Kune rimwe divi, iwe uchave wakabhadharwa account pa1,3% kana usiri mutengi weOrange, uye 1,5 kana uri. Uye pakupedzisira, kadhi rekubhengi nderemahara.
Akaundi kwete ING account
Iyi ING account (isu tinokuyeuchidza kuti bhangi iri rakatanga online uye hapana aivimba naro, uye zvino ndiyo imwe yeanonyanya kuvimbika) inokupa komisheni-yemahara account (TIN uye TAE pa0%). Iwe hauchazoda kugara kana marisiti kana mubhadharo wako kana mari.
Iwe uchave uine chaiyo debit kadhi uye kuendesa pasina muripo. Pamusoro pezvo, une inishuwarenzi yekutenga online (ipolitisi inokudzivirira kubva kune kutengeserana kwaunoita paInternet uye, kana paine chimwe chinhu chinoshamisa, vanodzosera mari yacho).
Abanca clear account (yazvino kana payroll)
Imwe yeakanakisa komisheni-yemahara maakaundi ndeiyi. Kutanga, kana iwe wakananga dhipoziti muhoro wako, vanokupa 300 euros. Iyo haina makomisheni uye iyo APR ndeye 0%. Vanokupawo kadhi rebhadhiti remahara uye vanokutendera kuti uve nemubati mumwe kana vaviri paaccount (chimwe chinhu chakakosha muzviitiko zvakawanda).
Online account PASINA Mubairo weUnicaja
Isu tinoenda nerimwe bhangi rinozivikanwa zviri nani kuti tikupe iwe dhijitari account. Iwe hauzove nekuchengetedza, kutonga kana mari yekufambisa uye iwe uchawana mubairo we1% TIN gore rekutanga (rechipiri pa0,5%) kunze kwekunge iwe uchitonga mubhadharo, unowedzera gore rekutanga kusvika 2,01%, muchiyero che30.000. euros.
Kana iwe uri mutengi mutsva unogona kuwana 600 euros yemubhadharo, uye kana ukaisa muhoro wakananga ivo vanokupa 100 euros yekudzoserwa mari mumarisiti.
Kadhi rekubhengi nderemahara.
Sezvauri kuona, akanakisa komisheni-emahara maakaundi aripo, uye iwe unogona kuchengetedza mari yakawanda nekuvasarudza pamusoro pemabhangi anoramba achibhadharisa kuchengetedza uye makomisheni ezvese. Iye zvino zviri kwauri kuti usarudze iyo inonyatsoenderana nezvido zvako uye, pamusoro pezvose, iyo inokupa chivimbo chakanyanya. Iwe unoziva nezve chero imwe komisheni-yemahara account iyo inonakidza? Tisiye isu mumacomments.