Iiakhawunti ezingcono kakhulu zasimahla: ezona zibalaseleyo kwimarike

Iiakhawunti ezilungileyo ngaphandle kweekomishini

Ukuba neakhawunti ebhankini kuyinto eqhelekileyo. Ukuba bakuhlawulisa iikhomishini, nawe. Noko ke, kangangexesha elithile ngoku aba benza nto ngaphandle kokunyuka baze bacinge ukuba imali akulula ukuyifumana, ukuyithatha ngenxa nje yokuba neakhawunti yinto engathandwayo ngumntu. Ke, kuthekani malunga nokuthetha nawe malunga neeakhawunti ezilungileyo ngaphandle kweekomishini?

Apha ngezantsi siza kukuxelela malunga neeakhawunti onokuthi uzivule kwaye ungazukuthwala iikomishini kwaye baya kuthatha inxalenye yemali yakho ngenxa yokuba igcinwe ebhankini. Ngaba uyafuna ukwazi ukuba ziyintoni na?

Kutheni iibhanki zibiza iikomishini?

Iikomishoni xa kusenziwa ulawulo oluthile, iindleko zokulondoloza ... ngaba zikhala intsimbi? Ezi zezinye zeendleko ekuya kufuneka uzithathe ngokuba neakhawunti ebhankini. Oko kukuthi, ngokushiya imali yakho ebhankini ukuze ikhuseleke, kukubiza imali.

Uninzi lweefizi zidla ngokuhlawuliswa ngokusebenzisa iinkonzo zeakhawunti. Umzekelo, ukuba uthumela ibhanki kwenye ibhanki, banokukuhlawulisa phakathi kwe-4 kunye ne-20 ye-euro (eyokugqibela ukuba kukudluliselwa kwenye ibhanki ngaphandle kwelizwe). Kodwa banokukuhlawulisa ngokuba nekhadi letyala (ukugcinwa kwalo), ngokugcina i-akhawunti ivuliwe, ngokwenza intlawulo yetyala...

Kwaye kwiimeko ezininzi akubizi, ngoko abaninzi bathatha isigqibo sokukhangela ii-akhawunti zamahhala ezibavumela ukuba bagcine kulo mba.

Zeziphi ezona akhawunti zasimahla zekhomishini?

Phambi kokuba sikuxelele ngento nganye esiyifumeneyo (ngothelekisi), kufuneka sikulumkise ukuba olu lwazi lunokutshintsha ukusuka kwinyanga ukuya kwenye. Kungenzeka ukuba, xa ufunda eli nqaku, ixesha lidlulile kwaye umnikelo ababewubeke ebhankini awusasebenzi. Nangona kunjalo, phantse bahlala benayo enye, engcono okanye elingana neyangaphambili, ngoko iya kukunika umbono wohlobo lweebhanki ezikhathalela abathengi (kwaye hayi malunga nokwenza inzuzo kubo).

Isindululo sethu sesokuba, xa ujonge ezona akhawunti zisimahla zekhomishini, jonga ngokubanzi kwaye uye ngqo kuloo bhanki kwaye ubuze nayiphi na imibuzo abanayo malunga nezi akhawunti zasimahla (ukuba basenazo, iimeko, kwaye ngaphezulu kwako konke. , ushicilelo oluhle).

Oko kuthetha, ezi sizifumene ngeli xesha zezi zilandelayo:

Iakhawunti yeMyInvestor

Iakhawunti yeMyInvestor

Mhlawumbi awuzumazi. Enyanisweni, akwaziwa kakhulu, kodwa inyaniso kukuba yeyona ilungileyo kwinyanga kaMatshi.

Ukuqala, abahlawulisi iikomishini zokugcinwa, ulawulo, ukudluliselwa okanye amakhadi ebhanki.

Ukongeza, i-euro yokuqala ye-50.000 yebhalansi onayo kwi-akhawunti yakho kwaye uyigcine unyaka iya kuba nomvuzo we-2%, kwaye ukusuka kunyaka wesibini iya kuhla ukuya kwi-0,3% ye-TIN.

Njengoko zipapashiwe, "ziibhanki ye-neo yenkululeko: akukho ntambo iqhotyoshelweyo, akukho ntlawulo."

Ngoku, ngokuqinisekileyo uya kufuna ukwazi ukuba yeyiphi ibhanki le ibonelela ngeakhawunti. Yadalwa ngo-2017 kwaye yibhanki yedijithali eqhutywa yi-Andbank Spain. Ewe, njengoko ufunda, sithetha ngebhanki yaseSpain. Ngo-2022 sele inabathengi abangaphezu kwe-150.000 kunye ne-euro engaphezulu kwezigidi ezili-10 ngonyaka.

Iakhawunti ye-intanethi ye-Banco Sabadell

Ukuba ufuna ukuba neenketho ezininzi ngaphakathi kwee-akhawunti ezilungileyo ngaphandle kwee-commissions, enye inketho engeyimbi kwaphela yile isuka kwi-Banco Sabadell.

Njengoko kuchaziwe, awuyi kuba neemeko okanye iikhomishini, kwaye uya kufumana umvuzo we-2% kunyaka wokuqala kwi-euro yakho yokuqala ye-30.000.

Malunga nekhadi ledebhithi, lisimahla kwaye akunyanzelekanga ukuba uhlawule umvuzo wakho okanye iirisithi ukuba awufuni. Ukuba uhlala emvuzweni, kwaye ungomnye wabathengi bokuqala abangama-20.000, baya kukunika i-euro ezingama-250. Kodwa ngenxa yoko kufuneka uqiniseke ngaphambili, ungothuki ukuba ayifiki kuwe.

Iakhawunti yangoku yeOrange Bank

Iakhawunti yangoku yeOrange Bank

IOrenji ayiphathi kuphela i-Intanethi, umnxeba… kodwa ikwasebenza nebhanki. Ewe kunjalo, banikezela ngeemeko ezithile ukuba ungumthengi weOrange, kwaye abanye ukuba awunguye.

Kwelinye icala, awuyi kuba neekhomishini okanye iimeko. Ngakolunye uhlangothi, uya kuba ne-akhawunti ehlawulwayo kwi-1,3% ukuba awuyena umthengi we-Orange, kunye ne-1,5 ukuba ukhona. Kwaye ekugqibeleni, ikhadi ledebhithi lisimahla.

Iakhawunti hayi i-akhawunti ye-ING

Le akhawunti ye-ING (siyakukhumbuza ukuba le bhanki yaqala kwi-intanethi kwaye akukho mntu uyithembileyo, kwaye ngoku yenye yezona zinto zithembekileyo) ikunika i-akhawunti yamahhala (i-TIN kunye ne-TAE kwi-0%). Akuyi kufuneka ukuba uhlale okanye iirisithi okanye umvuzo wakho okanye umvuzo.

Uya kuba nekhadi ledebhithi yenyani kunye nokudluliselwa ngaphandle kweendleko. Ukongeza, une-inshurensi yokuthenga kwi-intanethi (yipolisi ekhuselayo kwiintengiselwano ozenzayo kwi-Intanethi kwaye, ukuba kukho into engaqhelekanga, baya kubuyisela imali).

Abanca sula iakhawunti (yangoku okanye umvuzo)

Enye yezona akhawunti zibalaseleyo zasimahla zekhomishini yile. Ukuqala, ukuba ubeka umvuzo wakho ngokuthe ngqo, bakunika i-euro ezingama-300. Ayinazo iikomishini kwaye i-APR yi-0%. Bakunika nekhadi le-debit yamahhala kwaye ikuvumela ukuba ube nomnini omnye okanye ababini kwi-akhawunti (into ebalulekileyo kwiimeko ezininzi).

Iakhawunti ye-Intanethi NGAPHANDLE koMvuzo we-Unicaja

Iakhawunti ye-Intanethi NGAPHANDLE koMvuzo we-Unicaja

Sihamba nenye ibhanki eyaziwa ngcono ukukunika iakhawunti yedijithali. Awuyi kuba nesondlo, ulawulo okanye umrhumo wokudluliselwa kwaye uya kufumana umvuzo we-1% ye-TIN kunyaka wokuqala (owesibini kwi-0,5%) ngaphandle kokuba ufaka i-payroll ngqo, enyuka ukuya kwi-2,01% kunyaka wokuqala, kwibhalansi 30.000 euro.

Ukuba ungumthengi omtsha ungafumana i-euro ezingama-600 zomvuzo, kwaye ukuba ufaka imali ngokuthe ngqo umvuzo baya kukunika i-euro eyi-100 yembuyekezo yemali kwiirisithi.

Ikhadi ledebhithi lisimahla.

Njengoko ubona, ii-akhawunti ezingcono kakhulu zekhomishini zikhoyo, kwaye unokugcina imali eninzi ngokukhetha phezu kweebhanki eziqhubeka nokuhlawulisa ukugcinwa kunye neekomishini kuyo yonke into. Ngoku kukuwe ukuba ukhethe eyona ifanele iimfuno zakho kwaye, ngaphezu kwayo yonke, eyona ikunika ukuzithemba. Ngaba uyayazi nayiphi na enye iakhawunti yasimahla yekhomishini enomdla? Yiyeke kuthi kwizimvo.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
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