Nhoroondo yehunyanzvi: isina makomisheni uye nemamwe masevhisi

Iyo nyanzvi account ndeye chigadzirwa chiripo mukupihwa kwese zvikwereti zvikoro uye izvo zvinozivikanwa kunyanya nekuti zvinoshanda kune maneja mari kubva kune hunyanzvi chiitiko yevashandisi. Izvo zvakagadzirirwa vanamuzvinabhizimusi, hunyanzvi hwehunyanzvi uye vanozvishandira uye inzira inoshanda yekugadzirisa mari nemari yemaprofile evatengi mune chimwe chigadzirwa chebhangi.

Kuti itengese account yehunyanzvi, mabhangi anozvipa mahara emakomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Asi mune chero mamiriro ezvinhu, zvinodikanwa kusangana zvakateedzana zvezvinodikanwa kuti zviitwe zviri pamutemo. Imwe yeiyi mvumo inoenda kuburikidza kuunza nyanzvi mari kutambirwa zvakaenzana kana kupfuura chiuru chemayuro euros pamwedzi.

Mune zvimwe zviitiko, aya mamiriro ekubvumirana anowedzera kuomarara nechishuwo chekugara kwemabhiri matatu mukota. Mari dzakachengetedzwa muProfessional Akaunti ndidzo dzinoitwa ne cheki kana kuendesa, mari inotumirwa kunze uye zviteshi zvePOS. Mune imwe yezviitiko izvi inobvumidzwa kuti iite ienderane nekufamba kwega kweumwe neumwe weavo vanobata.

Professional account: vakaita sei?

Chimwe chezvinhu zvakasarudzika mukirasi ino yemabhengi maakaunzi ndechekuti ivo vanobvumidza wega wega mubati kuve nemaakaundi maviri eaya maitiro akanyoreswa. Chero bedzi ivo vachienderana nezvinodiwa zvakafanana uye nekuzivisa iyo yemari institution yeichi chokwadi. Nepo kune rumwe rutivi, iwo maakaunzi ayo anowanzo kuve hauna mubairo wakakosha uye huwandu hwechimbadzo hunoshumwa hunodarika 0,10% mune yakanakisa kesi. Kunyangwe mukutsinhana kwekuve nemari kubva panguva yekuburitswa kwayo.

Chimwe chinhu chinoita kuti chigadzirwa chemari ichi chive chisina chokwadi ndechekuti cheki inogona kukumbirwa yemahara kubva kune varidzi vanogona kuitisa yavo yehunyanzvi mari. kana uchihaya iyo, inotakura a chikwereti kana kukwereta kadhi isina mahara zvachose pakuburitswa kwayo uye kugadzirisa. Kubva kwaunogona kutora mari kuATM. Zvakare uye, mune zvimwe zviitiko, chechigarire chikwereti tambo inosvika zviuru gumi zveeuro. Uine yakatarwa kana muzana kudzoka pachikwereti chose, uine hushoma hwe10.000%.

Ratidza zviitiko kota yega yega

Chero zvazvingaitika, iyo account yehunyanzvi inofanira kunge ichishandira chikamu chakanaka chegore. Ndokunge, ita kanokwana katatu mafambiro ekubhadhara pakota. Sezvo kana ichi chishuwo chakatemwa nemabhangi chisina kuzadzikiswa inodzimwa otomatiki navo. Kune rimwe divi, icho chigadzirwa chinokutendera iwe kuti udzivise kudarika kwemadhora (anosvika mazana mashanu euros) muaccount. Zvekuti nenzira iyi, kufamba uku hakurangwe, sezvo kune rimwe divi kunoitika mune mamwe marudzi emaakaundi ebhengi anotungamirwa kune mamwe mapoka enharaunda.

Izvo zvinofanirwa kucherechedzwa kuti iyi account fomati inogadzira mamwe mabhenefiti ayo anozobatsira kwazvo kune vanoibata. Pakati pavo, zvinokwanisika kuwana maturusi akanyanya kugoneswa kune nyanzvi kana vezvemabhizimusi, senge masosi emari anonyanya kugadzirirwa kugutsa zvavanoda zvemari yekuchengetedza mabhizinesi avo. Kunge a nyanzvi mazano kuzadzisa zvese zvinodikanwa zvebhizinesi rako. Chimwe chinokurudzira chinoshandiswa nemabhangi mukushambadzira kwavo mupiro weinonzi inishuwarenzi yebhizinesi. Nemaprimiyamu akakura kupfuura chiuru euros pagore uye izvo zvinosanganisira kufukidza kwakanyanya kudikanwa kumakambani madiki nepakati nepakati. Nepo pakupedzisira, ivo vanobvisa mari pamacheki uye zvinyorwa zvevimbiso, kuendesa uye mamwe marudzi ezvigadzirwa zvemari. Chero zvazviri, chikamu chega chega chinopa chimwe chiratidzo chekuzivikanwa kuti chizvitsauranise kubva pakupihwa kwemakwikwi.

Kubatsira kwechigadzirwa ichi

Chero zvazvingaitika, maakaundi ehunyanzvi hachisi chigadzirwa chakanangana neese ma profiles evatengi. Kana zvisiri, pane kudaro, zvinoitirwa imwe yakanyatsotsanangurwa uye kuti inyanzvi kana vashandi vanozvishandira vanoda kuve nechishandiso chekubhanga kusimudzira kwavo kubhanga kufamba. Kubudikidza nechigadzirwa chinogutsa zvido zvavo nekuvapa iwo akakosha masevhisi uye mabhenefiti kune avo ehunyanzvi chiitiko. Mune zvimwe zviitiko, kunyangwe nesarudzo yekuchengetedza mari gore rega rega kuburikidza nemakomisheni uye zvimwe zvinoshandiswa mukutarisira kana kuchengetedza. Chii chavari kutsvaga shure kwezvose.

Mukati meichi chirevo chizere, maakaundi ebhengi ane hunyanzvi chombo chinoshanda kwazvo kubva kwaunogona kushandisa mari yako, kubhadhara vashandi vako kana kubhadhara masheji emwedzi emitero yako yechikwereti. Iine hukuru hwekugadzirisa kupfuura kubva pakutarisa kana kusevha maakaundi ane mamwe echinyakare kana echinyakare mafomati. Iko masangano emabhangi anopa zvakawanda zvakanangana nemasevhisi uye mabhenefiti anotarisana nechikamu ichi chemucheka unobudirira weSpanish hupfumi.

Kufanana nechimwe chigadzirwa chachangobva kugadzirwa icho chine hunyanzvi mukubata kwayo, senge kuchinjiswa kwazvino, izvo zvinodikanwa mune dzinoverengeka kesi dzevanyanzvi kana vanozvishandira vashandi. Uye kuti isu tichaenda kutsanangura zvakadzama kuti sei vari uye chii chiri basa uye makanika. Saka kuti iwe ugone kuzvishandisa kubva zvino zvichienda uye zvichibva pane zvako chaizvo zvaunoda mubhizinesi rako kana basa rehunyanzvi. Nekuti ivo vanga vari mumusika webhangi kwenguva pfupi uye iwe unofanirwa kuziva zvirinani uyu wekubhadhara modhi.

Instant anotamisa

Kutamisa ipapo ipapo ndiyo imwe yemhinduro dzinoshanda kwazvo kana pachidikanwa kutumira mari kune vamwe mapato. Izvo hazvigone kukanganwika kuti kuendeswa kwebhangi inzira yakajairika kwazvo kubhadhara, kubhadhara zvikwereti kana kubhadhara mari yekurendesa imba. Asi kukanganisa kwakakomba kwekutenganiswa kwemari uku ndiko kuti kunowanzoitora pakati pezuva rimwe nemaviri kusvikira yagamuchirwa nemugashiri. Icho chokwadi icho dzimwe nguva chinogadzira zviitiko zvisingadiwe zvakanyanya padivi revashandisi vebhangi.

Kugadzirisa chiitiko ichi mukuchinjisa kwakajairika, zvakatumirwa ipapo ipapo, izvo zvinowanzo kupfupisa mashandiro mumaminetsi mashoma. Mhedzisiro inonyanya kuitika ndeyekuti kuchinjiswa kwemari kwacho kuitike munguva chaiyo. Ichi ndicho chinangwa chikuru cheinonzi kuchinjiswa kwazvino kunoitwa nenzira yeTIP system (tarisa ipapo kubhadhara mubhadharoKana zvakafanana, kubhadhara pakarepo. Nenzira iyi, mari inotumirwa nevatengi ichasvika kwavanosvika nekukurumidza.

Vanoshanda sei?

Kunyangwe zvingaratidzika kubva pakutanga, ino sisitimu haina kugadzirirwa chete mashandiro anoitwa kubva kune zvigadzirwa zvehunyanzvi (nhare, mahwendefa, nezvimwewo). Asi zvinopesana, inochengetedza chinyakare migero yemamwe masisitimu ekuendesa. Ndokunge, kubva kune yavo Bazi rebhangi kana komputa yako wega. Kana iwe ukasarudza iyi yekupedzisira sarudzo, iwe unenge uine mukana wakakura wekuti kuvhiya kwacho kunogona kuitwa chero nguva yezuva, kunyangwe pakupera kwevhiki. Tichifunga kudiwa kwevatengi kutarisana nemubhadharo wekumwe kukurumidza munguva ino yevhiki.

Kune rimwe divi, hapana chikonzero chekuwana iyi sevhisi yebhengi, ingozvibvumidza iwe semutengi webazi rezvemari panochengetwa mari kuburikidza neakaundi yekutarisa kana zvimwe zvigadzirwa zvine maitiro akafanana. Iyi sevhisi inosanganisira mutengo wezvinhu zve 0,20 masendi pa euro mukuita kwega kwega, kunyangwe zvichizoenderana nesarudzo yako kuti iyo huwandu igoze kana kuti irege kuwira pane mutengi.

Izvo zvakare zvinopa musiyano usinga nzwisisike, zvine chekuita nekuchinjiswa kunoonekwa sechinyakare, uye ndiko kuti hakuzove nemuyananisi mune ino mari maitiro. Kubatsira mapato ese ari maviri anokwanisa kuzadzikisa zvinangwa zvavo.

Mari yekutengesa

Chimwe chinhu chinofanirwa kuongororwa mukuchinjiswa chiriporipo ndechekuti pane zviyero zvine chekuita nemari yemari yakatumirwa. Iyi nzira yekubhadhara inobvumidza mafambiro paaccount anokwanisa kusvika pa huwandu hwakawanda hwe15.000 euros. Nerimwezve bhenefiti rekuti hakuzove nekumirira chero ziviso kuti iko kutumirwa kwaitwa nenzira kwayo uye kwasvika kune iye anogamuchira. Nekuti panguva imwecheteyo kurairwa kwakapihwa, zvichazivikanwa kuti mashandiro akaitwa zvakajairika.

Uku ndiko kuvhiya kunogoneswa kunhengo dzenyika dzeEuropean Union uye nekudaro kuchave kwakagadzwa mumaeuro. Nekudaro, hazvina kunyanya kuoma kusvika pachibvumirano nemabhangi kuti chigone kugadzirwa mune dzimwe mari dzepasi rese: maBritish mapaundi, madhora ekuUS kana maSwiss franc. Mune ino kesi, zvinoda chiziviso kubhangi kuti zvitaure izvi zvinodiwa nevatengi uye mune iyo mamiriro zvichazove nekushandisa kwe komisheni yekutsinhana kwemari izvo zvinomira pakati pe0,20% uye 1% yehuwandu hwehuwandu hwekuchinjisa, zvinoenderana nesangano rega rega rezvemari. Ndokunge, ibato rinorangwa kana iwe uchida kutumira mari kune dzimwe nyika dzisiri munzvimbo yeeuro, senge United States, Great Britain kana Mexico.


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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