Chii chinonzi SEPA uye ndechei?

Izvo zvinokwanisika kuti kanopfuura kamwe chiitiko, wakambonzwa here izwi rekuti SEPA asi pachinzvimbo iwe hauzive chaizvo zvazviri. Zviri zvechisikigo, nekuti urwu rudzi rweruzivo, zvinosuwisa, hazviwanzo kupihwa kunze kwebhuruu kune vatengi vemabhangi uye hazvinyatsonzwisisike nekuti chinhu chakakosha kwazvo. Uye izvi zvinogona kuve nemhedzisiro yakaipa kumunhu ane hanya nekuti havakwanise kunakidzwa nebhenefiti pauzere simba. Neichi chikonzero uye uye kuti uve neruzivo rwakakura pamusoro penyaya iyi, mune ino positi iwe unozoziva kuti ndezvipi uye ndezvipi.

Zvose vanhu vane imwe kana akawanda maakaundi ebhengi. Izvi zvakaitika kwemakumi emakumi emakore nekuda kwezvivakwa zvinosanganisirwa nekuchaja zvakanangana kubva ipapo pasina chikonzero chekuve nemari yemuviri. Izvi, zvakare, zvinobatsira kudzora kubiridzira kwemunhu-kumunhu, kunyange zvichinyatsoitika kuti bhanga pacharo rakabiwa; pakadaro haungarasikirwe nemari yacho nekuti iwe unayo yakavimbiswa.
Izvi pasina kupokana ndicho chimwe chezvinhu zvakanaka kwazvo zve mabhanga, sezvo zvirinani mupfungwa iyoyo inokupa iwe chinosvika 100% vimbiso.

Zvisinei, kune zvimwe zvinhu zvinokosha kuti ivo havatsanangure kune vatengi vavo uye izvi zvinogona kukanganisa zvishuwo zvavo, pamusoro pekuti zvichienderana nezviito zvaunoda kuita, kana iwe usingazive kuti ndedzipi uye maitiro anofanira kuitwa, iwe unenge uri haikwanise kuenderera nekuvhiya.

Imwe yemienzaniso yakajeka yechiitiko ichi yaizove izwi SEPA, Kunyangwe sevhisi iyi iri kushanda kune wese munhu, havazi vese vanoziva kuti iri nezvei.

Chii chinonzi SEPA?

Kuziva kuti SEPA chii, zvichave zvakakosha kune zvaunofarira nekuti nenzira iyi iwe unozogona kuziva zvakanyatso bhenefiti iyo yako yazvino bhangi inokupa iwe.

SEPA chidimbu cheSingle European Payments Area kana Yakasarudzika Zone yeMabhadharo mumaEuro muSpanish, uye chirongwa cheEuropean Banking Indasitiri kubva kuEuropean Council inotsigirwa neEuropean Commission, maHurumende neCentral Banks enzvimbo dzakakosha kwazvo dzeEuropean.

En pocas palabras, SEPA inouya kuzotaura kuti vese avo vari munzvimbo yeEurope zvisinei nekuti munhu chaiye here, chinzvimbo kana kambani, inogona kugamuchira nekubhadhara zvakanangana nemamiriro akafanana zvisinei nekuti kubhadhara kwacho kana kuendesa kwakada nzira dzemuganho pakati penyika dzakasiyana dziripo.

Nzvimbo yeSEPA inoumbwa nenyika makumi maviri nenomwe dzeEuropean Union kuwedzerawo nyika dzakaita seSwitzerland, Monaco, Norway, Iceland kana Liechtenstein (haisanganisi Andorra), iyo, kunyangwe isina kubatanidzwa zviri pamutemo muEU, vane mamiriro akafanana.

Iyi dudziro inoratidza kukosha kwekuziva ichi chikamu chebhengi nekuti, a priori, haugone kuita chero mhando yekutengesa kana kuendesa nekuti hauzive matanho ese mashoma ekuita iko kuvhiya, nekuti mune kumwe kwakaomarara zvine chekuita ibhangi pacharo rinoita marongero akakodzera vachidzivirira misoro mikuru kumutengi.

SEPA (Imwe Yekubhadhara Nzvimbo mumaEuro) inobata sei kana iwe uri mutengi webhangi?

Sezvawaona kare, chirongwa ichi chinobatsira Nyika 32 dzinoumba SEPA (Nyika makumi maviri neshanu dzeEuropean Union nedzimwe nyika shanu dzakawedzerwa muchibvumirano), zvinobatsira zvese kubhadhara uye kuunganidza vane mamiriro akafanana zvisinei nenyika iri kutaurwa.

Nekudaro, izvi zvinofambisa kuti mari dzepasirese nepasi rose (nyika dzinoumba SEPA), zviri nyore kwazvo kuita, kusiyana neicho chibvumirano ichi chisati chaitika zvese zvaive zvakanyanya kuomarara.

Uye zvakare, nekuda kweichi chiito, kune zvimwe zvakanaka izvo zvaive zvisati zvamboitika kana uchibhadhara, uye izvo zvinhu zvakaita se:

• Iwe unogona kuve neakaundi account kuti ubhadhare

Kutenda chibvumirano ichi, chero munhu anogona kuve neakasiyana account kuita mari mumaeuro pakati penyika dzakabatana dzeSEPA, nekudaro nenzira iyi pane rusununguko rwakawanda rwekufamba.

• Kuvandudzwa kunowanikwa mukubhadhara maitiro

Kutenda nekuvandudza uku mu maitiro ekubhadhara, vashandisi vanogona kusarudza nzira dzinoverengeka dzinogona kufambisa nzira dzekubhadharisa, senge kuburikidza nekadhi remagetsi, kubva kune mbozhanhare kana kuwana invoice yemagetsi. Munguva yakapfuura maitiro acho ainonoka uye, chokwadika, pakanga pasina nzira zhinji dzekubhadhara dzaiwanika.

• Kuchengeteka kukuru

Kutenda kunzvimbo yeSEPA, nyika dzese dziri nhengo dzinogona kunakidzwa nekuchengetedzeka kukuru mukubhadhara kwavo, kudzivirira kunetsana kupi nekupi kungamuka; chokwadi chinonakidza kwazvo chekutarisa nekuti, mushure mezvose, pane yakakwira chikamu chevimbiso.

• Kubviswa kwezvibodzwa zvepasi rese zvekubhadhara

Kutenda chibvumirano chiripo pakati penyika dzenhengo dzeSEPA, zvipingamupinyi kumabhadharo epasi rose anga aripo hazvichashandi uye panenge paine rusununguko rwakakwana.

• Zvinhu zvakakanganiswa zvekubhadhara

Kana iwe uchida kuziva kuti mangani ekubhadhara zvinhu akakanganiswa pane mana:

• Makadhi ebhangi azvino
• Zvikwereti zvakananga zviri kutsiva izvozvi zveSpanish zvakananga zvikwereti
• Kuchinjisa uko kwakasimudzwa neazvino kuwedzeredzwa kwemumba
• Ikozvino maakaundi ebhengi ane kodhi nyowani inonzi IBAN

Shanduko mumidziyo yekubhadhara

Kutenda kune chibvumirano cheSEPA pakati penyika dzenhengo, pane shanduko mumidziyo yekubhadhara uye ndeaya:

• Transfers: ese mabhangi ekuchinjisa anoitwa kuburikidza neBIC kana IBAN.
• Makadhi: imwe yenyaya dzinonyanya kufadza nezve kiredhiti uye makadhi ekubhengi ndiyo yakavakirwa-mukati chip inonzi EMV. Mabhizinesi mazhinji eSpain atove nechinhu ichi kuita kuti kubhadharisa chimwe chip chakavakirwa chinonzi POS, chinoitenda kuti kubhadhara kuri kuchengetedzeka nekuti hazviitwe nesiginicha asi kuburikidza nePIN yekadhi pachayo.
• Tungamira madhibhodhi odhaira: iwo madhiri ekuraira akananga akafanana neazvino; Kuti sangano ribhadhare kubhengi account, rinofanirwa kuzviita nesimba rekubata muridzi, iine hunhu hwakasiyana zvichienderana nenyaya yacho. Semuenzaniso, kuti iro bhizimusi ridzosere mari yacho ine mazuva gumi ebhizinesi, mwedzi gumi nematanhatu yekugadziriswa zvisirizvo kwekuvhiya kana masvondo masere kudzorera marisiti ane mvumo.

Chii chinonzi IBAN uye iyo BIC?

Kufunga izvo IBAN neBIC zvine zvakawanda zvekuita nechibvumirano cheSEPATichakupa tsananguro yaro kuitira kuti, kana uchinge wakumbirwa, iwe uzive zvazviri nguva dzose.

• IBAN: Ndicho chinoratidza maakaundi ese ebhangi, kureva kuti, paunenge waita transaction, ivo vanozoziva kuti account ndeyani nekuda kwekodhi iyi uye ndiwo manhamba mana pakutanga kweakaundi account, mune chimwe chinhu cheSpain chimwe chinhu. zvakafanana neizvi: ES4.
• BIC: ndiyo chitupa chebhangi chekuchinjiswa kwenyika dzese. Bhengi rega rega rine rayo. Kuti utungamire, kodhi yacho yaizoita seiyi: INGDESHHUYYY.

SEPA Inopa Zvakanakira Zvayo Here?

Nekuda kwechibvumirano neSEPA, pane zviripo zviripo, nekuti kare kutengeserana kwenyika dzese, zvisinei nekuti yaive nyika ipi, yaive nemari yakakwira uye kuchengetedzeka kushoma mukutengeserana.

Iye zvino unogona kuendesa kuFrance, Netherlands, Germany, United Kingdom ... pasina izvi zvichikonzera dambudziko rakakomba kana mari zhinji mukushanda.

Mhedziso

Kupedzisa, isu tichaita ipfupi pfupiso kuitira kuti pfungwa dzese dzawakadzidza mune ino positi dzisakanganwe uye iwe ugamuchire mari kana kuendesa kubhangi pasina dambudziko.

Chii chinonzi SEPA?: chibvumirano chiripo pakati penyika dzese dzeEuropean Union (27) nedzimwe nyika shanu dzisiri dzeEU (Switzerland, Monaco, Norway, Iceland kana Liechtenstein kusasanganisira Andorra) kuti vakwanise kuendesa mabhangi nekugamuchira mari ne rusununguko rwakakwana uye chengetedzo. Nekuda kweizvi, pakave neshanduko dzakasiyana kana uchiita mashandisiro ayo anofarira 5% chengetedzo nekuti kubhadhara kunogona kuitwa nemabhangi kana makadhi echikwereti kuburikidza neiyo POS kodhi uye kune mamwe mamwe maoneti mukati mekambani yebhangi, iyo BIC uye IBAN.

Chii chinonzi BIC?: iyo kodhi inoratidza iyo bhangi yekuchinjisa kwenyika uye yega yega ine yayo. Kuti uwane kodhi yebhangi yako unogona kuibvunza yakanangana nebazi kana kuburikidza newebhusaiti yayo.

Chii chinonzi IBAN? Ichi chiziviso chine maakaundi ese ebhangi azvino. Iyo nzira yekuziva kubva kunyika ipi iyo mari kana chinjana chinouya. Iyi kodhi nyowani iri pakutanga kweakaundi account yekuverenga. Kuti uwane kuti ndeyako ndeipi, unofanirwa kuzviongorora nebhuku rako rekupfuura kana kubvunza kubhangi zvakananga.

Zvino zvaunoziva kuti SEPA chii, tora mukana webhenefiti uye uve nerusununguko rwezvemari pasi rose uchitaura.