Iiakhawunti ezilungileyo ze-intanethi zalo nyaka

iiakhawunti ezilungileyo ze-intanethi

Ngokuqhubela phambili kobugcisa bolwazi, iinkonzo zebhanki kunye nolawulo lwe-intanethi zenze inkqubo yezemali esebenza kakhulu. Ngokuchanekileyo ngenxa yesi sizathu, olu luhlu lulandelayo lujolise ekufundeni Iakhawunti ye-intanethi ukumisela ukuba zeziphi ezona zibalaseleyo ngo-2022.

zisebenza njani iiakhawunti Kwi-intanethi?

Namhlanje, iinkonzo zebhanki zikhawuleza kwaye zifikeleleka kunangaphambili: enkosi uphuhliso lobuchwepheshe bolwazi kunye nokuqhubela phambili okungakhethiyo konxibelelwano, icandelo lebhanki inika ithuba lolawulo lobuqu ngokusebenzisa amaqonga kunye nezicelo mobile ukuba qinisekisa ukufikelela kwangoko kwiiakhawunti zobuqu.

iiakhawunti zebhanki ze-intanethi

Ngaloo ngqiqo, i iibhili online basebenza ngendlela efanayo ne-akhawunti ngokwesiko, nangona kunjalo kunye neempawu ezithile ezizezabo: ukufikelela ngokukhawuleza, isantya sokuthengiselana, iingxelo zokubuyiswa kwenkunzi, isicelo seenkonzo zezimali ezifana nemboleko, iikhredithi kunye ne-inshurensi.

nayo, la ukuzenzekela kwemisebenzi kunciphisa iindleko zolawulo, ngokuba uyintoni na zitshiphu kubathengi: ukunqongophala kweekhomishini, iindleko zolawulo kunye namaxabiso amiselweyo. Enyanisweni, kukho iiakhawunti ezihlawulelwayo ezide zinike imbuyekezo ehambelana nokusetyenziswa kwazo okanye ukukhutshwa kwamakhadi ngaphandle kweendleko.

lweFIFA yamanani online yangoku

Uluhlu olulandelayo lufumana ezona akhawunti zibalaseleyo online kuxhomekeke kuhlobo lweakhawunti online eyiyo, iingenelo kunye nokusebenza kwayo. Iindidi ezahlukeneyo zeeakhawunti ezithiwe thaca apha ngezantsi zibandakanya iimpawu ekwabelwana ngazo kunye neenzuzo. Ke ngoko, ezi azikho iindidi ezimiselweyo, kodwa Alungelelaniswa ngokophawu ngalunye olubalaseleyo. yabo —umzekelo, inzuzo okanye ixabiso.

lawula iakhawunti yebhanki

Iiakhawunti ngaphandle kokuthunyelwa

Okokuqala, kukho ezi ntlobo ze iibhili online akukho khomishini okanye iindleko zokugcina. Ezi ntlobo zeeakhawunti zisetyenziselwa ukwenza imisebenzi yebhanki rhoqo simahla, Phantsi kweemeko ezithile: idiphozithi ngqo yomvuzo, gcina ibhalansi kwi-akhawunti, yenza iidiphozithi ezininzi zenyanga, njl.

Ezi ntlobo zeemeko eziphantsi kweendleko kunye neenzuzo zinokufumaneka kwezinye iindidi ze-akhawunti-intlawulo, intlawulo, i-savings-, nangona kunjalo, yintoni ebonakalisa olu hlobo lweakhawunti kukuba. iimfuno zingaphantsi kwaye ngenxa yoko lulungele ngakumbi ulawulo lomntu. Phakathi kwakhe izibonelelo eziphambili ingakhankanywa:

  • Ukunqongophala kweekhomishini, iindleko zokulondolozwa kunye neendleko ezizinzileyo
  • free debit card
  • udluliselo lwasimahla
  • Ayifuni debhithi yomvuzo
  • ubunini obubini

Kwelinye icala, phakathi eyona nto iphambili ingakhankanywa:

  • Awunalo ikhadi letyala lasimahla
  • Utshintshiselwano lwemali lunexabiso

Iiakhawunti zemivuzo

Olu hlobo lweeakhawunti online zibonakaliswa ngokunikela izibonelelo ezahlukeneyo kwimeko yokutsalwa ngokuthe ngqo kuluhlu lwemivuzo kwiziko. Izibonelelo ezibonelelwayo ziya kuxhomekeka kwiziko elilawula iakhawunti, kodwa ngokubanzi ezi zifanelekile kuzo zonke iimeko.

iakhawunti yebhanki ephathwayo

Ngezi ntlobo zeeakhawunti online abathengi banethuba lokutsalwa ngokuthe ngqo kwimivuzo yabo kunye sebenzisa ngokubona kwakho kwaye ngaphandle kwemida. Ibhanki, inxalenye yayo, ibona ukufumaneka okukhulu kweediphozithi kwaye, ngoko ke, ukusebenza kakuhle kwemali. Yiyo loo nto benikela iinzuzo njengeziphoiibhonasi okanye inzuzo. Babo izibonelelo eziphambili Zizo:

  • Ukunqongophala kweekhomishini, iindleko zokulondolozwa kunye neendleko ezizinzileyo
  • free debit card
  • udluliselo lwasimahla
  • I-€ 100 yokutsalwa ngokuthe ngqo komvuzo
  • ubunini obubini
  • akukho nzala

Kwelinye icala, le akhawunti ye-intanethi inento engalunganga:

  • Umntu kufuneka abe phakathi kwe-18 kunye ne-31 yeminyaka ubudala

iiakhawunti ezivelisa inzala

Amatyala online iinkonzo ezihlawulelwayo luhlobo lwenkonzo oluphawu oluphambili kukuba bayaluvumela ufumane imbuyekezo emsebenzini wakho. Ngokwenene, banikela a umvuzo ngohlobo lomdla, kuxhomekeke kwiidiphozithi ezenziweyo: umxhasi gcina nje ibhalansi eqhelekileyo kwiakhawunti yakho.

Oku, nangona kunjalo, ayithinteli umxhasi ukuba alahle imali yakhe ngokukhawuleza kwaye akukho zithintelo —ngokuhlonelwa kweemeko ebezimiselwe ngaphambili neziko—. Ngokuqhelekileyo ezi ziiakhawunti. online que zifana kakhulu neeakhawunti zokuhlawula. Phakathi kwakhe izibonelelo eziphambili ingakhankanywa:

  • Ukunqongophala kweekhomishini, iindleko zokulondolozwa kunye neendleko ezizinzileyo
  • free credit card
  • udluliselo lwasimahla
  • Ukuya kuthi ga kwi-€340 kwiminyaka emibini yokuqala
  • Ukuya kuthi ga kwi-5% ye-APR kunyaka wokuqala
  • Ukuya kuthi ga kwi-2% ye-APR kunyaka wesibini

Phakathi kwakho ngxaki Kukhankanyiwe:

  • Akanalo ikhadi lebhanki lasimahla

Iiakhawunti zangoku

Jonga i-akhawunti Yeyona yemveli kweli candelo.. Yiakhawunti ye-intanethi evumela ulawulo lwemihla ngemihla ngaphandle kwesidingo salo naluphi na uhlobo lwekhonkco kunye nequmrhu okanye ibhanki. Ngale ndlela, yonke imisebenzi yakudala inokwenziwa ngaphandle kweemeko ezibophelelayo.

iiakhawunti zebhanki ezinenzala

Ezi ziyafana ngokunxulumene neeakhawunti zasimahla, nangona becela iimfuno ezimbalwa: ngaphandle kokusetyenziswa, idiphozithi, inkqubo okanye inani lokudluliselwa kwenyanga. Nangona kunjalo, ukuba banayo iimfuno ezithile zokuqesha ezinokuba zizodwa. Phakathi kwakhe ezintle ingakhankanywa:

  • Ukunqongophala kweekhomishini, iindleko zokulondolozwa kunye neendleko ezizinzileyo
  • free debit card
  • udluliselo lwasimahla
  • Iintlawulo ezivela app ehambayo
  • Iyaqhuba 100% online

Kwelinye icala, ukuba unayo ngxaki:

  • Ayinikezeli ngekhadi letyala lasimahla
  • Ifumaneka kuphela kubathengi abatsha

I-akhawunti yokugcina

Ekugqibeleni, iingxelo online ukonga zizixhobo zebhanki oyona njongo iphambili ikukugcina. Yindibaniselwano ye-akhawunti yomvuzo kunye ne-akhawunti ehlawulwayo, kangangoko ugcino luvelisa imbuyekezo ephakathi ngokugcinwa kwemali eseleyo kwi-akhawunti.

sebenza ngeeakhawunti zebhanki

Nangona kunjalo, ngokungafaniyo neeakhawunti zokuhlawula, ayinazo iimfuno ezingako. Ngoko ke, inzuzo iyancitshiswa, kodwa kunye nemali efunekayo ekuqeshweni kwayo. Olu hlobo lweeakhawunti ayivumeli cela iinkonzo zemali njengaye iimali-mboleko, ekubeni injongo yawo kukugcina imali. Phakathi kwakhe main ezintle ingakhankanywa:

  • Ukunqongophala kweekhomishini, iindleko zokulondolozwa kunye neendleko ezizinzileyo
  • udluliselo lwasimahla
  • Ukutsalwa kwemali kwi-ATM simahla

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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