Zvisinei nekuti nhasi kubhadhara kunenge kuchiitwa nekadhi rechikwereti paunenge uchitenga online, kuchine vanhu vanosarudza kushandisa kubhengi kana vachitenga. Kana kuti ingave iyo nyaya yekuti iwe unofanirwa kuendesa mari kubva kune imwe account kuenda kune imwe yekambani yako, kana kubhadhara vatengesi kana vanogovera. Asi unoziva here kuita transfer?
Kunyange zvakadaro ndeimwe yeakawanda pakati pemabhangaVanhu vazhinji havasangane neizvi kusvika vazofanira. Uye, dzimwe nguva, kusaziva kunoreva kuti hazvina kuitwa zvakanaka. Kuti udzivise izvi, pazasi iwe unowana zvese zvaunoda kuziva.
Chii chinonzi bank transfer
Sezvatakambokuudza kare, mari yekubhanga Kutsinhana kwemari kubva kune rimwe bhangi kuenda kune rimwe. Zvinoitwa ndezvekupa mutemo kubhanga rako kuti ribvise imwe mari woiisa mune imwe account yekubhanga, ingave kubva kubhangi rimwe chete, kana kune rimwe bhanga.
Zvichienderana neakaundi yauinayo, izvi zvekufambisa zvinogona kuve zvemahara kana kubhadhara muripo wekuita sevhisi.
Mhando dzemabhengi ekufambisa
Wakambozvibvunza here kuti ingani mhando dzemabhangi ekuchinjisa aripo? Iwe unofanirwa kuziva kuti zvinoenderana nemayero avanopihwa, kune mapoka akasiyana. Semuenzaniso:
Kana tichitaura nzvimbo inotamiswa, iwe unenge uine:
- Vakatarisana.
- Online.
- Kubva kune cashier.
- Nefoni.
zvichienderana nenguva (ichi chinhu chaunofanira kuziva nekuti mumabhangi mazhinji musiyano uyu unotsanangurwa pakutanga), unenge uine:
- Kuchinjisawo. Ndiyo iyo inowanzoitwa iyo inotora 1-2 mazuva ekushanda kuti isvike kwainoenda.
- Pakarepo. Ndiyo iyo inoitwa anenge mumasekondi, kupfuudza mari kubva kune imwe account kuenda kune imwe pazuva rimwe chete. Muchokwadi, kana ikaitwa pamberi pa4 masikati, inogadziriswa pazuva rimwe chete.
- Kurumidza. Izvo hazvitore inopfuura zuva, uye zvinogara zvichiitwa kuburikidza neBhange reSpain.
- Periodic. Ndiyo inoitika nguva yese x. Izvi zvakarongwa kuti zviitwe zvoga.
Imwe mhando inofanirwa kuverengerwa ndeye zvichienderana nenzvimbo yekuenda, ndiko kuti, kubhengi kupi mari yekuendesa mari ichaenda. Saka, tinowana:
- National. Kana zvichiitwa munyika imwe chete nemunhu "anobhadhara".
- Nyika dzese Kana iyo account inoiswa mari iri kunze kwenyika.
- ZIVA. Izvo zvakafanana nezviri pamusoro kunze kwekuti kuchinjisa kunoitwa mumaeuro uye kune nyika dziri mukati meEuropean Economic Area.
Maitiro ekuita bank transfer
Kana iwe ukazozviwana uchifanirwa kuita mari yekubhanga uye iwe usingazive kuti sei, pano tichakupa nzira nhatu dzakasiyana dzekuzviita. Zvisinei, ramba uchifunga izvozvo bhanga rimwe nerimwe rine protocol yaro uye zvinogoneka kuti mune dzimwe nguva unoda “chimwe chinhu” kuti ukwanise kuzviita. Sezvineiwo, vachakuzivisa nezvazvo.
Chii chaunoda kuti uite transfer
Chokutanga pane zvose, kuita mari yekufambisa, Izvo zvinodikanwa kuti uve neatatu anosungirwa uye akakosha data:
- Kune rimwe divi, data remunhu achagamuchira mari. Panyaya iyi tiri kutaura nezvezita nesurname (kana kambani), account yemugamuchiri neIBAN yavo. Kazhinji IBAN yakawanda kudarika, asi kana mune zvose data (inongosiyana chete nenhamba 4), haizove pfungwa yakaipa.
- Kune rumwe rutivi, Iwe unozofanirwa kuve neakaundi yekubhangi kuti ukwanise kuita transfer. Kana zvaunoita kuenda kubhangi wovakumbira kuti vaise mari mune imwe account, haisi kutaura zvakanaka kutumira.
- Uye pakupedzisira iwe uchada pfungwa yekuchinjisa ikoko, ndiko kuti, sei uri kubhadhara mari iyoyo kune iyo kambani kana munhu.
Ngwarira, nekuti kana kubhengi kuchinjisa kuri kune dzimwe nyika, saka bhangi rinogonawo kukukumbira kuti upe SWIFT/BIC kodhi yeakaundi kuti ndikwanise kuzviita.
Paunenge uine zvese, unogona kuzviita nekukurumidza. Tinokuudza sei.
Ita mari yekubhengi yakatarisana
Muchiitiko ichi, yekutanga sarudzo yaunayo ndeye enda kubhengi rako kuti uite transfer. Saka danho rekutanga kuenda kubhangi rako womirira kuti vakushandire.
Panguva iyoyo, uchafanira kukumbira mari yekubhanga. Mushandi anozokubvunza nhamba yeakaundi yemunhu wauri kuzobhadhara, zita uye pfungwa. Uyewo huwandu hwemari yaunoda kutumira.
Hongu, inguva yokutanga vanogona kukumbira ID yako kuratidza kuti zvechokwadi ndiwe muridzi weakaundi yekubhangi yauchaita nayo.
Pakupedzisira, uchafanira kusaina gwaro rezvikonzero. Ndiro gwaro raunovimbisa naro kuti kuchinjirwa kwaitwa.
Uye ndizvozvo. Kana wangosaina, uye vakupa kopi, unotofanira kubuda mubhangi.
online transfers
Nyaya yekufambiswa kwemari kubhangi yepamhepo yakati omei kutsanangura. Kwete nekuti ivo vakanyanya kuoma kuita, asi nekuti bhanga rimwe nerimwe rine webhusaiti yaro uye mune chimwe nechimwe anoitwa zvakasiyana.
Asi, kazhinji, kana uchiita imwe online, iwe unofanirwa kutsvaga chikamu che "transfers" mumenyu. Unogona kubvunzwa rudzi rwekuchinjisa rwaunoda kuita uye kana rwasimbiswa, unogona kuisa data rako.
Semuenzaniso, ichakubvunza iwe kutanga kubva kuaccount ipi yaunoda kuti kuchinjisa kuitwe (yako), ipapo nhamba yeakaundi kwaunoda kutumira mari. Tevere, ichakubvunza iwe huwandu, pamwe neanobatsirwa uye pfungwa yekuchinjisa mari.
Pakupedzisira, unofanira kungosimbisa (vamwe vanoisimbisa nenharembozha).
Bank transfer pane cashier
Kana usingadi kumira mumutsara kubhangi uye une ATM pedyo, ziva izvozvo iwe unogona zvakare kuita mari yekubhangi kuburikidza nemudziyo uyu. Zvayo, unofanira kuva nekadhi rako kana bhuku rekupfuura (mune mamwe mabhangi vanokubvumidza kuti uzviite nayo). Ungofanire kuipinda.
Mune menyu inozoonekwa, iwe unofanirwa kudzvanya kubhengi kuchinjirwa uye wobva waisa nhamba yeakaundi yeanogamuchira, huwandu hwemari yekutumira uye pfungwa (kwete vese vachave nesarudzo iyi).
Chekupedzisira, iwe unongofanirwa kuisa password yako uye kutamisa kuchashanda.
Iko zvino kwave kujeka kwauri mafambiro ekuchinja?