Chinotora chinotora nguva yakareba sei?

transferencias

Kuendesa ibasa rebhangi rinoitwa kazhinji nevashandisi vane iyo bank account mune chero institution. Ivo vanofambisa uye vanogonesa kutumirwa kwemari yemari pakati pemaakaundi maviri akasarudzwa nechinhu chiri nyore chekuziva iyo IBAN kodhi. Izvo hazvigoneke kune mushandisi uyo anoraira kuchinjisa kuti atonge panguva iyo kuchinjirwa kwake kuchasvika kune iye anowana.

Kuendesa kubhangi mashandiro ayo bhangi rinokumbirwa kutumira imwe huwandu hwemari kuaccount yemunhu wechitatu anogona kana kunge asiri mubhangi rimwe chete. Izvo hazvigoneke kuti mushandisi akurumidze kuita kuchinjisa, asi zvinokwanisika kuti iye azive zvakakosha zvinhu zvinoita kuti zvikwanise kudzikisira nguva yekutenga nekusarudza zuva, nguva, nzvimbo uye nzira yaanoda sarudza kuita oparesheni.

Ndeapi marudzi ekuchinjisa aripo?

Shanduko dzinogona kuiswa muzvikamu zvakasiyana, zvese zvichienderana nenguva yako yekutungamira

  • Kazhinji
  • Kurumidza.

Dzimwezve dzakanangana nekuchinjisa kubhangi ndidzo dzinoshandisa maakaunzi ezve zvinhu muBhangi reSpain, ayo anozivikanwa seOders of Movements of Funds (OMF)

Kunyangwe iri mhando yemabhengi kana epakati pemabhangi ari ekushandisa zvakanyanya uye akajairika nevazhinji vashandisi vane maakaundi ekubhengi, zvinokwanisika kuti zvinogona kukonzera nyonganiso kubva pazuva rekuurayiwa kwakafanana kana nguva yacho isina kunyatsojeka. inotora kusvika kuakaunzi account.

Tinogona kuwana zvinotevera kupatsanura kwekuchinjisa Nekutarisa nezvenyaya yenzvimbo, nzira inoshandiswa kubuditsa odha yekuchinjisa kana mhando yatinokumbira kuendesa mari kubva kuakaunzi kuenda kune imwe.

Nzvimbo yenzvimbo

Iri boka rinobata nenyika yekuenda kwemari zvinoenderana nekugara kwenzvimbo yekutarisa account. Mukati meichi chinongedzo iwe unogona kuwana:

kubhangi kuchinjisa spain

  • Zvidimbu nyika: Uyo anotumira semubatsiri anogashira ari kuSpain.
  • Kunze kwenyika: Avo mune uyo anowana ari mune imwe nyika.

Pamusoro peichi chikamu, kune zvakare kuchinjiswa pakati nzvimbo imwe chete yakaenzana ndedzipi shanduko dzenyika pakati penzvimbo imwechete uye kuchinjirwa kune imwe nzvimbo: pakati pemaguta maviri.

Shanduko dzakagadzirwa pachako kubva ku bazi. 

 Kupatsanura kwekuchinjisa zvinoenderana nenzira yavakarairwa.

  • Inotamisa kuburikidza ATM.
  • Shanduko dzakagadzirwa na foni o Fax.
  • Transfers ne Internet.

Yenguva iyo inotora kuti mari iwedzerwe kuaccount account:

  • Zvidimbu zvakajairika: Pakati peimwe kana maviri mazuva ebhizinesi, zvese zvinoenderana nemitemo yazvino.
  • Kukurumidza kuendesa: Ivo vanozivikanwa kune yekuenda account pazuva rimwe chetero.

Kuchimbidza kuendesa kunozivikanwa nekuve OMF (mari yekufambisa maodha).

Kutora kunotora nguva yakareba sei kuti isvike?

Iko mukana wehurefu hwekuchinjisa hunosiyana zvakanyanya mune yayo nguva sezvo ichienda kubva pazuva rimwechete iro iro rinoitwa basa kusvikira mazuva anotevera.

Kazhinji, uye izvi kubva pakupinda musimba kweiyo Nzvimbo Imwe Yekubhadhara muEuro inozivikanwa se SEPA, nyika kufambiswa kunoitwa mumaeuro nekuchinjiswa kwepasirese kunoendeswa kune nyika dziri munharaunda yeEuropean, dzine yakanyanya nguva yezuva rimwe chete rebhizinesi.

Pamberi pacho, izwi rakapfuura rekuchinjisa kubhangi raive mazuva matatu ebhizinesi ekuchinjisa kunze kweSpain uye anokwana mazuva maviri ebhizinesi kune ayo akatanga uye akagashirwa mumarejista eSpanish.

Kutora kubva kubhangi kuenda kune rimwe kunotora nguva yakareba sei?

Kana ivo vari vebhangi rimwe chete, rimwe bhizinesi zuva; asi kana zvakasiyana, zvinogona kutora kusvika pamazuva matatu. Chero zvazvingaitika, kana zvichitora anopfuura mazuva matatu ebhizinesi, iwe unofanirwa kubata munhu akapa raiti yekuendesa iyo mari.

Chinjana chinosvika riini neChishanu?

Zvinoenderana nekuti account yekuenda ndeye bhangi rimwe chete here kana kuti rakasiyana: mune yekutanga kesi, yaizosvika musi iwoyo iwoyo, asi zvikasadaro yaizove Muvhuro kana Chitatu panguva dzekupedzisira. Chero zvazvingaitika, iwe unofanirwa kuziva kuti mune mamwe mabhengi kuendesa mumazuva apfuura hakuwanzo kuitwa kushanda kusvika 10 mangwanani.

bvisa chinjana

Mazuva ebhizinesi

Zvakanaka, zvinogona kunzwisiswa semazuva iwayo ekuvhura kwekutengesa mune iyo European kubhadhara system (Chinangwa).

Kuti uzive mazuva ebhizinesi, iwe unofanirwa kuverenga mazuva ekuvhura kwekushambadzira umo maitiro asina kuvharwa TARGET unofanirwa kufunga: Mazuva ese kunze kweMugovera neSvondo nemazororo: Gore Idzva, Chishanu Chakanaka, Muvhuro wePasika, Chivabvu 1, uye Zvita 25 na26.

 Tichitora mazuva iwayo tichifunga, tinogona kufungidzira nenzira inokurumidza uye yakapusa zvinozivikanwa nevanhu vazhinji: Chishanu izuva risingakodzere kuita bhangi rerudzi urwu kana uchida kuti riratidzwe nekukurumidza.

Chero zvazvingaitika, zvinogona kutaurwa kuti pane zvakasarudzika, sezvingave zviri izvo zve kuchinjisa kwakajairwa sezvo iwo ese ari iwo mashandiro anoitwa pakati pemaakaundi maviri ebhangi rimwe chete, mashandiro aya anogona kunzi anongoerekana ave kuchinjisa kwemukati ingori nyore nyore yekupinda account.

Masangano ese ane awa rinodomwa se "awa rekucheka" uye kana iwe ukaita yekuchinjisa nguva mushure menguva iyoyo, ichaonekwa seyakagamuchirwa pazuva rinotevera rebhizinesi.

Tichifunga izvi, zvakakosha kuti utore nguva ino uchifunga, nekuti, kana iwe ukaendesa pamberi kana mushure menguva iyoyo, zvinotora 1 zuva rebhizinesi zvakanyanya kana zvishoma.

Mushure mezvose izvi zvataurwa, zvingangoita kuti iwe ufunge kana paine mukana wekuchinjisa kune rimwe bhangi asi kuti iro rinoita odhiyo pazuva rimwe chete kana ipapo ipapo uye iyo chete inogona kuita sarudzo yeiyo ndiyo OMF kuchinjisa.

Instant anotamisa kuburikidza neBhangi yeSpain

Kunyangwe paine chokwadi chekuti neazvino Payment Services Law, zvakajairwa kuchinjirwa zvinobhadharwa muinosvika makumi maviri nemana maawa ebhizinesi, zvinonyanya kuitika kuti iwe ungave uine kudiwa kwekuita kukurumidza kuendesa kubva kuakaunzi kuenda kune imwe nechishuwo chekuti mari yemari ibhadharwe musi iwoyo.

Type chinja Kurongeka kweMari Mari Kufambisa Ivo vanogona zvakare kunzi kuchinjiswa kuburikidza neBhangi yeSpain, vane musiyano wavo mukuru uye mukana mukuti ivo vanobhadharwa pazuva rimwe chete rakaitwa oparesheni.

kuburitswa kwekuchinjiswa

Kuti ibudise rudzi urwu rwekuchinjisa, zvakafanira kuti bhizinesi rive neakaundi yakavhurika nebhangi reSpain sezvo iri kuburikidza naro iro ravanogadzirwa (Nenzira imwecheteyo, bhanga reSpain ndiro rinopa zita ku mashandiro).

Vanokurumidza asi pakati pezvipingamupinyi zvavanogona kuita ndinoburitsa kunetseka kwekudzima, nenzira imwecheteyo mutengo wakakwira wavo, kana kuti ivo vanongogona kuita panguva yekushanda kwebhangi reSpain, saka, zvinokurudzirwa kubvunza uye kubvunza zvese mamiriro anodikanwa kuti uite mashandiro aya.

Pane zvinhu zvina zvakakosha zvinokonzeresa kutsanangura kunonoka nguva yekuvhiya: zuva, nguva, nzira (zvemagetsi kana zvakatarisana kumeso) nenzvimbo. Kubva muna Ndira 4, mutemo unoraira kuti zvinomanikidzwa zvemagetsi zvinofanirwa kuitwa pasati pasvika kupera kwezuva rebhizinesi zvichitevera odha.

Iwe unofanirwa zvakare kuongorora nguva iyo yako bhangi yaisa yako "Nguva yekucheka" yekuchinjisa kwako kuburikidza nedhijitari kana nhare zvinoreva nekuti izvi zvinoreva iyo nguva kubva kune yako banking institution inotarisa chero odhiyo inogamuchirwa pazuva rinotevera rebhizinesi.

Kazhinji maawa akatemwa zvinoenderana neOCU yekuchinjiswa kwemagetsi:

  • La Caixa 11.00 am Barcelona
  • Evo Bank 14.00:XNUMX pm A Coruña
  • Noa 15.00:XNUMX pm Madrid
  • OpenBank 16.30 pm Madrid
  • ActivoBank 17.00:XNUMX pm Sabadell
  • iBanesto 18.00:XNUMX pm Madrid
  • Bhengi 18.30pm Madrid
  • ING Direct 19.30pm Madrid
  • Banco Mufundisi 20.00 h A Coruña

Aya nemamwe marongero ndizvo zvaunofanira kufunga nezvazvo kana uchifambisa nekuti munguva yako yemuno unogona kunge uchine nguva isati yatemwa asi mune imwe nharaunda, zuva rapera uye waswera izere nezuva.

Kuita shanduko, nzvimbo yatinoendesa uye zvakare kwatinotumira mari inogona kukanganisa nguva yekushanda sezvo uchifanira kufunga nezvehoridhe dzemuno, tsvaga kana iri zuva rebhizinesi kana kwete. Izvi zvinoshanda kunyangwe iwe waita online kuchinjisa kana kana isu takapa iwo odhiyo kubva kuhofisi.

Mukupedzisira, chinhu chakanakisa chaunogona kuita kudzivisa mazororo uye eve pamwe nekukumbira kuchinjirwa kubhangi mangwanani. Uye kupedza basa racho, zvichave zvakare zvakanaka kushanda nemabhangi asingabhadharise mari yekuchinjisa:

  • EVO Smart Akaundi. Izvo hazvibhadharise mari yekuchinjisa uye zvinopa purofiti. Iyo inokutendera iwe kutora yemahara mari kubva kune chero ATM iri pasirese.
  • Yazvino Akaunti Triode. Kutungamira kubhanga muEurope kunopa account yako kushandurwa kwemahara kushanu pamwedzi. Kubva wechitanhatu, mutengo weumwe neumwe uchave 1 euro.
  • Vhura Payroll Account. Santander's online banking haibhadharise makomisheni kana.
  • Banc Sabadell Kuwedzera Akaundi. Nekutungamira iwo mubhadharo muSabadell, mutengi anoregererwa kubhadhara makomisheni ekuchinjisa nyika uye muEuropean Union kwemazana anosvika zviuru makumi mashanu euros.

Mhinduro, siya zvako

Siya yako yekutaura

Your kero e havazobvumirwi ichibudiswa. Raida minda anozivikanwa ne *

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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako

  1.   Pedro akadaro

    Mhoro zvakanaka, kana paChina 5 vakandiitira transfer, nekuti Chishanu kuti izororo, zvaizosvika neMuvhuro