Kukho amaxesha apho ukhe uhlangane nothotho lwamaxwebhu athi, kuqala, abonakale engabalulekanga. Ude ubabone njengenkunkuma yamaphepha, ixesha nemali. Nangona kunjalo, ezi zinokubaluleka kakhulu. Oku kuyenzeka kwingxelo yebhanki.
Ukuba ufuna yazi ukuba yintoni ingxelo yasebhanki, loluphi ulwazi olunokukunika lona, izibonelelo ezikunika lona ngokubhekisele kwi-accounting kunye nolunye ulwazi olunomdla, olu lwazi silwenzileyo luya kukunceda ukusombulula onke amathandabuzo akho
Yintoni ingxelo yebhanki?
Isiteyitimenti sebhanki sinokuchazwa njengaleyo uxwebhu oluthunyelwa yibhanki, nokuba kubhaliwe, okanye ngeposi, ebonisa isishwankathelo sokuhamba kweakhawunti yebhanki inyanga yonke, kunye nebhalansi ekhoyo yeakhawunti.
Ngamanye amagama, sithetha ngoxwebhu apho unokubona ukuhamba kwengeniso kunye nenkcitho ekwiakhawunti yebhanki ngexesha elithile.
Phambi kokuba kuqheleke kakhulu ukuba iibhanki zithumele ingxelo kubaxumi bazo ngenyanga, ukuze babe nokulandelela ukubalwa kwemali kunye nengeniso kunye nenkcitho. Nangona kunjalo, kancinci kancinci le nto ibingasasebenzi, okanye yinkonzo ekuthiwa iyaqhubeka ukuyenza, ngohlobo lokuba abaninzi bakususile oku kuthunyelwa okanye bakufumana kwi-Intanethi (bekwazi ukuguqula imihla, iintlobo zokuhamba, njl.).
Inedatha enjani
Xa ucela isitetimenti sebhanki, kukho ulwazi oluninzi olunokuthi, ukuba awuqinisekanga ukuba lubhekisa phi na, lungakongamela. Nangona kunjalo, kulula kakhulu ukuyiqonda. Kwaye kunjalo Uya kuba namanqaku a-8 ahlukeneyo oza kuwenza. Zezi:
Umhla wokukhutshwa
Oko kukuthi, umhla ekhutshwe ngawo ingxelo yebhanki (eprintiweyo, eceliweyo, njl. Kubalulekile ukuba ukwazi ukulawula ukuhamba kwexesha elithile.
Ingxelo yeBhanki
Ukuze wazi ukuba yeyiphi i-akhawunti yebhanki (kunye nomntu okanye inkampani) olu xwebhu lubhekisa kulo.
Ikhowudi yeakhawunti
Sithetha ngenombolo yeakhawunti, iziko, iofisi kunye neDC. Ngamanye amagama, ikhowudi yeakhawunti epheleleyo okanye ikhowudi ye-IBAN.
Umhla wokusebenza
Kule meko uzakufumana uninzi lwazo, kwaye lowo ngumhla ekubhaliswe ngawo, nokuba kungumvuzo okanye yinkcitho kwi-akhawunti yebhanki. Ngale ndlela, uyakukwazi xa loo mali ihlawulwe (nokuba kulungile okanye akunjalo).
Umsebenzi wokuqonda
Kule meko, bayakucacisela ukuba yintoni inkcitho okanye umvuzo obonakalisiweyo kwingxelo. Ngapha koko, ngamanye amaxesha inolwazi ngakumbi nangaphezulu komhla ngokwawo okanye ixabiso lomsebenzi owenziweyo.
Umhla wexabiso lokuthengiselana
Umhla wexabiso, njengoko uqulunqwe yiBhanki yaseSpain, ngumzuzu xa «ikhredithi kwiakhawunti yangoku iqala ukuvelisa inzala okanye xa ityala liyekile ukuvelisa inzala, nokuba loluphi usuku lobalo lwentsebenzo okanye" qaphela accountant ".
Ngamanye amagama, sithetha ngomhla owenziwe ngawo loo msebenzi.
Isixa sentengiselwano
Imali, eyakhayo (ingeniso) okanye engeyiyo (inkcitho) eqhutyiweyo.
Ibhalansi yeakhawunti
Okokugqibela, uya kuba nebhalansi ye-akhawunti, zombini eyangaphambili, kunye naleyo unayo emva kokwenza intshukumo.
Ingxelo yebhanki yeyantoni?
Isiteyitimenti sebhanki ayiloxwebhu nje kuphela apho iintshukumo zeakhawunti zisekiwe (kunye neenguqu zemali ezikulo), kodwa iyaqhubeka Iluncedo kakhulu ekwenzeni ingxelo kunye nolawulo malunga nengeniso nenkcitho.
Ngapha koko, ngako oku sinako thetha notsalo lwemali, ingeniso, iirhafu okanye amatyala ngqo, amatyala, iikhomishini, njl.
Isiteyitimenti sebhanki sinokubonakala ngathi asisiyonto, kodwa inyani kukuba zininzi izibonelelo zokuyisebenzisa, kubandakanya oku kulandelayo:
- Ungazibona iimpazamo. Enkosi kwinto yokuba ingxelo yebhanki ikubonisa yonke intshukumo yeakhawunti yebhanki, nokuba ingumvuzo okanye inkcitho, ingoyena mthombo unokuthenjwa wento eyenzekileyo kwimali yakho kwaye ke inokubhaqwa ukuba bekukho inkcitho okanye umvuzo ongekho nokuba asiyi kumkhumbula okanye cha.
- Ungaqinisekisa umvuzo wakho kunye neentlawulo. Ukuba unabathengi abaliqela, okanye iinkampani ezininzi ekufuneka uzihlawule, ngesitetimenti sebhanki ungaqinisekisa ukuba ngenene umvuzo okanye iintlawulo ziyaneliseka kwaye, ngaloo ndlela, ulibale ngazo (ubuncinci kude kube yinyanga elandelayo)
- Ukuphendula kwakho kuya kukhawuleza. Ngenxa yokuba awuzukujonga intlawulo okanye idiphozithi, uya kuba noxwebhu apho yonke into evela kwiakhawunti ibonakala. Ukuba une-akhawunti ezininzi, kuya kufuneka ube neengxelo zebhanki ezahlukeneyo ezibonisa olo lwazi ukuze ulungelelanise yonke into ekupheleni kwenyanga (okanye ngekota).
Ukujonga njani isicatshulwa
Ngaphambili, ingxelo yebhanki ibinokufunyanwa kuphela ukuya ebhankini kwaye ucele ngokwakho. Ixesha elingaphezulu, le nkonzo ibizenzekelayo, ikwazi ukuyenza Yifumane ngeATM. Nangona kunjalo, ukubonakala kwe-Intanethi kunye namaphepha ewebhu, kwathatha enye into, kuba abantu banokulijonga olu xwebhu ngomsebenzisi wabo okwi-intanethi ebhankini.
Okwangoku, le fomu kunye nokusetyenziswa kwesicelo sebhanki kwifowuni ephathekayo kuvumela ukuba le nkqubo ifundwe ukuba yenziwe, kubandakanya phrinta uxwebhu ukuze ube nalo ngokwasemzimbeni.
Usifumana njani ingxelo yebhanki
Okwangoku, ukuthatha ingxelo yebhanki kulula kakhulu. Kuba unako yiya kwisebe lakho lebhanki uyicele, uyijonge (kwaye uyikhuphele) kwiwebhusayithi yebhanki, uyijonge kwi-mobile app okanye uyiprinte kwi-ATM.
Into elungileyo kukuba, ukuba uyayijonga kwiwebhu, unokukhetha ixesha elungiselelwe wena, into ethi, kwezinye iindawo, ayinakwenzeka, okanye kufuneka uyibuze ngokucacileyo. Ukongeza, kuya kufuneka uyazi ukuba iibhanki zigcina irekhodi lazo zonke iintshukumo zakho kangangesithuba esiphakathi kweminyaka emi-5 nengama-20, ngaphaya koko akuyi kubakho nto.