Kubva gore rino idzva, zvichave zvakafanira kufunga kanopfuura kaviri usati waita basa rekubvisa mari kubva kumaATM akaiswa mumabhangi. Mazuva apo kufamba uku kwakaitwa zviri pamutemo pasina kufunga kuti chero muripo wakanyangarika, uchipera. Iwo makomisheni matsva ayo mabhangi anonyorera kutora mari kubva kumaATM akaiswa zvine mutsindo mubhangi chikamu.
Vese mushure mekunge Kanzuru yeMakurukota yabvumidza mutemo unodzivirira mabhanga kubhadharisa vatengi vayo ma double commission kumaATM. Ichi chiyero, icho chakatotanga kushanda, chine nguva yekuchinja kusvika munaNdira kuitira masangano kuti asarudze mafambiro aachaita makomisheni uye kana vachizopfuudza iwo kumutengi kana kwete. Izvo zvakaitika izvozvi, uye izvo zvichave zvakafanira kutarisa kuti zvinokanganisa sei vashandisi vemabhangi munyika ino.
Usati wagadzira mafambisirwo aya, zvichave zvakafanira kuti utarise kuti ndechipi chikamu chauinacho uye kuti vari kukubhadharisa marii nekukupa iwe mari. Kuti ikubatsire kuziva zvauchabhadhara pane iyi pfungwa, zvichave zvinobatsira kwazvo kana iwe ukatakura muchikwama chako runyorwa nemabhangi ese uye nemitengo iyo yabuda pachena. Izvi zvinodaro nekuti hakuzove neunifomu makomisheni, zvakapesana, bhanga rega rega rinenge riine chiyero chakasiyana kune chimwe, chakafanana, asi chisinga fanane nguva dzose. Naizvozvo, zvichagara zvichibatsira kuita mashandiro mune mamwe mabhangi zvirinani pane mamwe.
Chero nzira, iwe uchagara uine anobatsira ekuzvidzivirira mashandiro aripo kana iwe usingawirirane neyakaitwa. Uye ndizvozvo Vachafanirwa kukuzivisa iwe kumberi mutengo weiyo chete, kuti iwe ugone kubvumidza mashandiro, kana, uchikundikana izvo, kanzura uye edza kudzokorora maitiro mune chimwe chinhu chine mitengo yakachipa.Ruzivo urwu rwunoonekwa pachena pachikwangwani cheATM, mune zvese uye pasina kusara, iwe uchinge wakanyudzwa mukuita.
Zvichasiyana nemabhangi
Nezve makomisheni matsva, Iko kufamba kuri mukati mechinhu chimwe chete iwe paunenge uri mutengi kuchakunda, akabvisa makomisheni. Hazvishamise kuti, kudzivirira kusava nemari isingabatsiri iwe unofanirwa kugara uchifunga nezve iko maATM ayo ari ako kubhangi. Kunyanya kana iwe uchienda parwendo, enda kuzororo, kana kungoenda kune rimwe guta pakupera kwevhiki.
Mitengo mitsva yakatotanga kushanda ichabhadharwa pese paunoenda kunotora chero mari kubva pamidziyo iyi. Bhengi rega rega richakubhadharisa zvichienderana nekuti ndiani kadhi iri. Nemisiyano iri pachena pakati peimwe neumwe. Kwete pasina, kana iwe ukaishandisa nemazvo unogona kusevha maeuro mazhinji gore rega, pasina kuedza kunewe. Izvo chete zvinodikanwa zvavanozokumbira kwauri ndezvekuti ruzivo rwako pamitengo iyi rwakawandisa sezvinobvira.
Sezvo kune rimwe divi zvine musoro kufunga, Basa rinobatsira kwazvo pasina mubvunzo richava rekukudziridza maATM ebhangi mauri vatengi, nekuti ivo havazokubhadharisa chero chinhu cheiyi pfungwa, kwete kana chidiki. Chero huwandu hwaunobvisa: 20, 50… 300 euros.
Kubva pano matambudziko ezvaunofarira achauya, nekuti ichave iri nguva yekuita nhamba mucalculator, kutarisa kuti ndeapi masangano anokubhadharisa zvishoma. Uye kupi, kubva kuATM, ichakuzivisa nezve komisheni yekuti bhangi rine muridzi wemubhadharo richakubhadharira kadhi rinoburitsa kadhi, asi kuti bhangi rako rinogona kubhadharisa imwe nhamba kana rikatora zvikamu zvekomisheni.
Vachakubhadharisa marii?
Misiyano yacho ichave yakaoma, kubva panopinda ma0,65 euros chete, kusvika pa2 euros, inova ndiyo yakakwira iyo yavanogona kukuchaja iwe pane imwe neimwe oparesheni. Nekudaro, zvinokurudzirwa zvakanyanya kutora mukana kune iyo synergies inopihwa nemamwe masangano emari, uye ayo aunogona kutora mukana kubva ikozvino. Aya ndiwo mamwe acho, kunyangwe zvingave zvenguva pfupi.
- Banco Popular: iwe unozobatsirwa nemitengo yakaderera yavanounza mumabasa avo (0,65 euros), mune mamwe masangano, ayo mikana yako yekuve nemari yemafungiro aya inowedzera zvakanyanya: Caja Laboral, Caja Rural neCajamar.
- IN Direct: Kana iwe parizvino uri mutengi wesangano iri, iwe uchabatsirwawo, nekuti kuregererwa kwemabhadhariro aya kuchabviswa mukuita kunoitwa kuburikidza nematavi eMarch Group.
- Bankinter: vatengi vako vanozove pakati pezvakanakisa mune ino nyowani mamiriro mushure mekushandisa kwemitengo mitsva. Izvi zvinodaro nekuti iwe unozokwanisa kutora mari pamabhangi emahara kumaATM ezvimwe zvinhu: Grupo Caja Rural, Caja Laboral, Cajamar uye Deutsche Bank.
Kune zvimwe zvinhu, zvinopesana, izvo chengetedza marongero apfuura achishanda pasi pe zero makomisheni, asi kusvikira chimwe chiziviso, chingangove chiri kuuya. Muchokwadi, hazvina kutongwa kunze kuti vanogona kuzvichinja munguva pfupi yenguva. Pakati pavo, Triodos Bank inomira pachena, inoenderera mumutsara mumwechete webhizimusi kusvika parizvino. Uye kune rimwe divi, Evo Banco, iyo isingabhadharise chero muripo pazvinhu zvikuru zvigadzirwa, sekureba sekuvhiya kwacho kuchidarika ma120 euros.
Rimwe rematambudziko richamuka kubva mukuitwa kwechiyero ichi ndiro rinobva vatengi vari mumataundi madiki. Iko, pamwe nekuchengetedzeka kwese, hakuzove nekupihwa kwakawanda kutora mukana, kunyangwe kana iri nyaya yekuti hauna ATM kubva kubhangi rako. Ndichiri munzvimbo dzakakura dzemadhorobha kusagadzikana uku kuchanyangarika zvachose, sezvo huwandu hwezviteshi zvinowanikwa mumigwagwa yazvo zvichiwedzera.
Matanho masere ekuchengetedza mari mune aya mashandiro
Kubva ikozvino zvichienda zvichave zviripo vane basa zvakanyanya mukuita sarudzo yeATM kuti vatore mari yedu, chero huwandu hwayo. Hakuna mumwe mushonga. Zvinogona kukubhadharira zvishoma, kunyangwe kuti unofanirwa kufamba mamwe mamaira kuti usvike paATM chaipo kuitira kuti usapfure mari yekushandisa kwedu. Asi ichave yakakosha chaizvo, sezvaunozoona mushure memwedzi mishoma.
Asi panguva imwechete, zvichave zvakafanira kupinza mimwe nhungamiro yezviito, kunyangwe zvichisiyaniswa zvine chekuita nezvawanga uchiita kusvika ikozvino. Nekudaro, iyo bhalansi yeakaundi yako yekutarisa inozokutenda, kunyanya kana iwe uchiita aya emabhengi mashandiro nguva dzose, nekuti iyo mari inogona kunge iine simba. Kunyangwe uine mamwe maitiro ane hukasha, izvo zvinokutungamira kuti uchinje mabhanga, uye sarudza izvo zvinopa kukwikwidza mitengo yekuchengetedza makadhi ako.
- Chekutanga kiyi: gara uchishandisa maATM ebhangi rako wega. Ichave ndiyo chete nzira kuitira kuti usabhadhare chero yakawedzera euro nguva imwe neimwe yaunenge uchizoshandisa chero ayo materu. Kugonesa kuyera, iwe unofanirwa kuzvizivisa iwe kumberi ayo matavi avakagovera mukati meSpanish jogirafi. Zvirinani mumaguta kwaunonyanya kufamba.
- Chechipiri kiyi: kazhinji iyo inoshandisa mashoma makomisheni. Wakatarisana nekusakwanisika kwekutsvaga bazi rekubhanga rako, danho rinotevera ndere kusarudza maATM ane mwero wakaderera, izvo zviripo, nekuti misiyano inogona kuratidza mutsauko unosvika kuzana muzana.
- Yetatu kiyi: iwe unogona kugara uchiramba mashandiro. Iwe unogona kusaziva mashandisiro anoita aya makomisheni kwauri, uye iwe ungatoshamiswa nemhedzisiro yadzo. Usatombo kunetseka, unogona kuzviramba panguva chaiyo maunoudzwa nezvechiitiko ichi kuburikidza neATM skrini. Uye nenzira iyi, unogona kusendamira kune mamwe emamwe mabhanga, kana icho chiri chako chishuwo.
- Kiyi yechina: tora mukana wemabhangi asina kuvandudza chiyero. Kunyanya pakutanga, mamwe masangano ezvemari anga achichengetedza iwo maranho akafanana kusvika pakusvika kwekushandisa kwemakomisheni matsva aya. Unogona kuishandisa sezvawagara uchiita, uye sekureba ivo vasingachinje yavo yekutengesa zano nevatengi vavo vatengi.
- Chechishanu kiyi: iwe unoshandisa dzimwe nzira dzinobatsira. Zvinogona kukuomera zvakanyanya kuti uite izvi nhungamiro yehunhu, uye kuti udzivirire mari yakakwira muaccount yako, zvinokurudzirwa kuti uzvipe mari kuburikidza nedzimwe nzira pakubvisa mari, senge, semuenzaniso, mumatavi ebhengi, sezvakangoitwa nevabereki vako kusvika makore mashoma apfuura.
- Kiyi yechitanhatu: kana ukaita oparesheni kazhinji, unofanirwa kumisa mari. Izvo kune imwe nhanho yakajairwa uye inonzwisisika kuti dzimwe nguva iwe unobhadhara makomisheni epamusoro eiyi nhanho nyowani, kana mafambiro acho achibata nguva uye akasarudzika. Asi kana iwe ukafunga kuti yako nzira kuburikidza neATM inowanzoitika, iwe unofanirwa kutora zano nyowani kana iwe usiri kuda kuona kuti mwedzi wega wega unorasikirwa sei chikamu chebhangi rako pachiyero pamitengo iyi ichangotanga kushanda.
- Yechinomwe kiyi: bvisa yakakwira huwandu. Chidiki chekupunyuka chisina kukuvadzwa kubva mumabhadharo emabhangi aya anosanganisira kuita zvemari yakakwira, anodarika zana euros, uye kamwechete. Mamwe masangano emari, kunyangwe ari mashoma kwazvo parizvino, anotendera iwe kuti usarudze iri rakasarudzika zano rekuti uve nemari.
- Yechisere kiyi: kuti hazvikanganise kudarika kwemadhora eakaunzi yako. Kana zviri zvemadhora, iko komisheni kunoiswa pachiyero chepamusoro muzviverengero zvitsvuku zvauinazvo panguva yekugadzirisa. Uye kuti iwe unokwanisa kusvika kumahombekombe emahara anosvika gumi%, kana iwe ukazviwana uchinge wabatwa mune ino isingafadzi mamiriro.