Phantse kuyo nayiphi na ibhanki ungayifumana iingxelo ezilungiselelwe abantu abaselula ngokukhethekileyo, kodwa oku akuthethi ukuba zonke zinomdla.
Ngokuqhelekileyo banjalo iiakhawunti zogcino ngaphandle kweekomishini kwaye ezinikezela ngamathuba amakhulu okugcina okanye iinzuzo ezinomdla.
Ikwanikezelwa ngokuqhelekileyo kubantu abanayo ngaphantsi kweminyaka engama-35. Awukayifumani iakhawunti yolutsha ehambelana neemfuno zakho? Siyakukhuthaza ukuba uqhubeke ufunda ukuze ufumane ezona zibalaseleyo.
Ukukhetha ezona akhawunti zibalaseleyo zabantu abancinci ngo-2022
Ibhanki yaseNorway
Ukwenza iakhawunti elungileyo kwi Ibhanki yaseNorway Kuya kufuneka wenze yonke into kwi-Intanethi, kwifowuni yakho ephathekayo kwaye ngaphandle kweendleko.
Awuyi kuhlawula ikhomishini yokuvula, ukugcinwa, kwaye awuyi kuba nemali encinci yeediphozithi.
Enye yezinto ezikhethekileyo yinzuzo, eya kuba 0,25% I-NIR ngaphandle kokugcina ibhalansi encinci kwi-akhawunti.
Ukongeza, le akhawunti ayinayo nayiphi na imiqobo ehambelana nayo, ngoko unokufikelela kwimali yakho nangaliphi na ixesha.
Ukuba sele ungumsebenzisi wale bhanki, ungenza lula i-akhawunti ngokusebenzisa Indawo yomthengi, kukhetho lwe Dala i-akhawunti.
Iakhawunti yoLutsha yeBBVA
La Iakhawunti yeBBVA encinci yimveliso yezemali egcinelwe abasebenzisi ababudala buphakathi Iminyaka ye-19 kunye ne-29.
Ibonakaliswa ngokubonelela ngeenzuzo ezahlukeneyo, njengekhadi lebhanki elihambelanayo ngaphandle kweendleko (kungekhona ukugcinwa, okanye ukusetyenziswa), i-akhawunti ngaphandle kweekhomishini, izaphulelo ezahlukeneyo.
Eyona nto ingcono kakhulu kukuba ukufikelela kwi-akhawunti kunye nekhadi akuyi kuba yimfuneko ukuba uhlawule umvuzo okanye iirisithi. Ngoko ke akuyi kuba yimfuneko ukuba ne-payroll ukuze ukwazi ukuyivula, into efunwa ziinkampani ezininzi.
Kodwa ukuba unayo i-payroll ungayihlala kwaye ufumane isipho abanaso ngelo xesha.
Openbank Open Account
Ibhanki evulekileyo inika i-akhawunti kubantu abatsha kunye neenkcukacha ukuba yonke le nkqubo ilawulwa 100% kwi-intanethi, ukusuka kwinkqubo yekhontrakthi ukuya ekuqinisekisweni okulandelayo.
Kulukhetho oluhle kwabo basebenzisi bafuna iakhawunti yabo, kodwa babaleke kulo naluphi na uhlobo lwekhomishini okanye ikhonkco. Ukongeza, yenzelwe nawuphi na umsebenzisi, kungakhathaliseki ubudala babo.
Udluliselo lusimahla kwaye lubandakanya ikhadi lokutsalwa simahla.
Iakhawunti kaClara de Abanca
Abanca Ayisiyiyo inketho eyaziwayo kwezinye iindawo zaseSpain, kodwa lolunye ukhetho olunomdla kubantu abancinci. Yenzelwe bonke abo bangaphantsi 35 iminyaka.
Inekhadi ledebhithi elibandakanyiweyo eliya kusivumela ukuba sitsale imali naphi na, naphesheya. Ayinayo nayiphi na iindleko ezinxulumene nayo.
Kwaye akukho mfuneko yokuba ne-payroll ukuyivula, kodwa, njengezinye iibhanki, siya kuba nebhonasi enomdla ukuba sinayo kwaye sinqume ukuyihlala. Ngokuxhomekeke kwixabiso, siya kuba nemali ethile.
Iakhawunti yeBanco Santander Smart
Ukhetho lokugqibela kolu luhlu lwe eyona akhawunti yolutsha kulo nyaka yiyo akhawunti smart del Banco Santander. Yenzelwe abantu abatsha abaphakathi kweminyaka Iminyaka ye-18 kunye ne-31.
Ayifuni naluphi na uhlobo loqhagamshelwano kwaye ayinayo nayiphi na ikhomishini yokulungisa. Ukudluliselwa kwi-Intanethi nako akukho ndleko.
Xa kusenziwa ikhontrakthi ye-akhawunti, ikhadi le-debit likwasetyenziswa. Iindaba ezimnandi zezokuba akukho ntlawulo inxulumeneyo yokukhutshwa, umrhumo wokuhlaziya okanye nayiphi na enye inkcitho enxulumene noko.
Ziziphi iimpawu abanazo iingxelo zolutsha?
Ukuze ube nalo lonke ulwazi olunokwenzeka phambi kokuqesha a iakhawunti yolutsha, ezi ziimpawu eziphambili abaza kukunika zona:
- Akukho zikomishini: eyona nto ixhaphakileyo kukuba abantu abatsha abahlawuliswa naluphi na uhlobo lwekhomishini yokugcina iakhawunti. Oku kuthetha ukuba akuyi kubakho ntlawulo yesondlo okanye yolawulo. Olu luncedo kubantu abatsha.
- Amakhadi asimahla: Omnye umtsalane weeakhawunti zolutsha kukuba zibandakanya amakhadi asimahla (zombini idebhithi kunye nekhredithi). Kuya kuba nomdla ukuba sinokukhetha ukongeza ikhadi kwi yiprojekti ifowuni ephathwayo, ukwenza ukuthenga kamnandi ngesixhobo.
- Udluliselo lwasimahla: ikhrayitheriya ephambili xa ukhetha i-akhawunti yolutsha kukuba zingenziwa Udluliselo ngaphandle kwayo nayiphi na indleko. Kwaye akuyi kuba buhlungu ukujonga ukuba iakhawunti iyahambelana na bizum, kuba isisixhobo esithandwa kakhulu phakathi kwabantu abatsha… naphakathi kwabantu abangekabi bancinci kangako.
- Izaphulelo: Ukongeza kuzo zonke ezi zinto zingasentla, ezinye iibhanki zibonelela ngesiqinisekiso izaphulelo ukwenza iiakhawunti zabo zibe nomtsalane ngakumbi (umzekelo, banokubuyisela ipesenti ethile yemali esiyihlawule ngekhadi letyala).
Zezi Ii-akhawunti ezi-5 ezilungileyo kubantu abatsha okwangoku kunye nezinye izinto eziza kusinceda ukuba sifumane eyona ndlela ilungileyo kuthi.