Ngaphandle kwento yokuba namhlanje intlawulo iphantse yenziwa ngekhadi letyala xa uthenga kwi-Intanethi, kusekho abantu abakhetha ukusebenzisa ukudluliselwa kwebhanki xa kuthengwa. Okanye kusenokwenzeka ukuba kufuneka ukhuphe imali kwiakhawunti enye uye kwenye yenkampani yakho, okanye uhlawule ababoneleli okanye abasasazo. Kodwa ngaba uyayazi indlela yokwenza utshintshelo?
Nangona kunjalo yenye yezona zixhaphakileyo phakathi kweebhankiAbantu abaninzi abajongani noku de kube kufuneka. Kwaye, ngamanye amaxesha, ukungazi kuthetha ukuba ayenziwa kakuhle. Ukunqanda oku, ngezantsi uya kufumana yonke into ofuna ukuyazi.
Yintoni ukudluliselwa kwebhanki
Njengoko besinixelele ngaphambili, itransfer yebhanki kukutshintshiselana ngemali ukusuka kwenye ibhanki ukuya kwenye. Okwenziwayo kukunika umyalelo kwibhanki yakho ukuba itsale isixa esithile semali ize iyifake kwenye iakhawunti yebhanki, nokuba ikwibhanki enye, okanye kwenye ibhanki eyahlukileyo.
Ngokuxhomekeke kwi-akhawunti onayo, oku kudluliselwa kunokukhululeka okanye ukuhlawula umrhumo wokwenza inkonzo.
Iintlobo zokudluliselwa kwebhanki
Ngaba wakha wazibuza ukuba zingaphi iintlobo zokudluliselwa kwebhanki? Kuya kufuneka wazi ukuba kuxhomekeke kwindlela abalinganiswa ngayo, kukho amaqela ahlukeneyo. Umzekelo:
Ukuba siyathetha indawo apho udluliselo lwenziwa khona, uyakuba:
- Ubuso ngobuso.
- online.
- Kusuka kumgcini-mali.
- Ngomnxeba.
kuxhomekeke kwixesha (le yinto ekufuneka uyazi kuba kwiibhanki ezininzi lo mahluko uchaziwe ekuqaleni), uya kuba:
- Ukudluliselwa okuqhelekileyo. Yeyona iqhele ukwenziwa ethatha i-1-2 yeentsuku zokusebenza ukufikelela kwindawo yayo.
- Ngoko nangoko. Yiyo eyenziwa phantse ngemizuzwana, ukudlulisa imali kwi-akhawunti enye ukuya kwenye ngosuku olufanayo. Enyanisweni, ukuba yenziwe ngaphambi kwe-4 emva kwemini, iqhutywe ngosuku olufanayo.
- Ungxamiseko. Ayithathi ngaphezu kosuku, kwaye ihlala isenziwa ngeBhanki yaseSpain.
- Ngamaxesha athile. Yinto eyenzekayo qho x ixesha. Ezi zicwangciswe ukuba zenziwe ngokuzenzekelayo.
Olunye ukuhlelwa ekufuneka kuthathelwe ingqalelo kuxhomekeke kwindawo oya kuyo, oko kukuthi, kwi-akhawunti yebhanki imali yokudlulisa imali iya kuhamba. Ngoko ke, sifumana:
- Kuzwelonke. Xa kusenziwa kwilizwe elinye nomntu “ohlawulayo”.
- Okomhlaba jikelele Xa i-akhawunti efakwa kuyo imali ingaphandle.
- YAZI. Kuyafana nalapha ngasentla ngaphandle kokuba ukudluliselwa kwenziwa nge-euro nakumazwe angaphakathi kwi-European Economic Area.
Uyenza njani imali ebhankini
Ukuba ukhe wazifumana kufuneka wenze imali ebhankini kwaye awazi ukuba njani, apha siza kukunika iindlela ezintathu ezahlukeneyo zokuyenza. Nangona kunjalo, khumbula ukuba ibhanki nganye ineprotocol yayo kwaye kunokwenzeka ukuba kwezinye iimeko udinga "enye into" ukuze ukwazi ukuyenza. Ngethamsanqa, baya kukwazisa ngayo.
Yintoni oyifunayo ukwenza utshintshelo
Okokuqala, ukwenza ukudluliselwa kwemali, Kuyafuneka ukuba ube nedatha ezintathu ezinyanzelekileyo nezibalulekileyo:
- Kwelinye icala, idatha yomntu oya kufumana imali. Kule meko sithetha ngegama kunye nefani (okanye inkampani), i-akhawunti yomamkeli kunye ne-IBAN yabo. Rhoqo i-IBAN ingaphezulu kokwaneleyo, kodwa ukuba unedatha zombini (eyahluke kuphela ngamanani ama-4), ayizukuba luluvo lubi.
- Ngakolunye uhlangothi, Kuya kufuneka ube ne-akhawunti yebhanki ukuze ukwazi ukwenza utshintshiselwano. Ukuba into oyenzayo kukuya ebhankini kwaye ubacele ukuba bafake imali kwenye iakhawunti, ayithethi ngokufanelekileyo ukudluliselwa.
- Ekugqibeleni, uya kufuna ingqikelelo yolo dluliselo, oko kukuthi, kutheni uhlawula loo mali kuloo nkampani okanye loo mntu.
Lumka, kuba ukuba ukudluliselwa kwebhanki ngamazwe, ngoko Ibhanki inokukucela ukuba unikeze ikhowudi ye-SWIFT/BIC yeakhawunti ukuba ubenakho ukuyenza.
Emva kokuba unayo yonke into, unokwenza ngokukhawuleza. Sikuxelela ukuba njani.
Yenza intlawulo yebhanki yobuso ngobuso
Kule meko, ukhetho lokuqala onalo yiya ngqo kwibhanki yakho uyokwenza utshintshiselwano. Ngoko inyathelo lokuqala kukuya kwibhanki yakho kwaye ulinde ukuba bakukhonze.
Ngalo mzuzu, kuya kufuneka ucele utshintshelo lwebhanki. Umsebenzisi uya kukubuza inombolo ye-akhawunti yomntu oza kumhlawula, igama kunye nombono. Kwakhona isixa semali ofuna ukusithumela.
Ewe, kokokuqala banokubuza isazisi sakho ukuqinisekisa ukuba ngenene nguwe umnini-akhawunti yebhanki oza kuyenza ngayo.
Ekugqibeleni, kuya kufuneka usayine uxwebhu lokuthethelela. Luxwebhu oqinisekisa ngalo ukuba udluliselo lwenziwe.
Kwaye yiloo nto. Wakuba utyikityiwe, yaye bekunike ikopi, kuya kufuneka uyishiye ibhanki kuphela.
ukudluliselwa kwi-intanethi
Umba wokudluliselwa kwebhanki kwi-Intanethi unzima kakhulu ukuwuchaza. Akunjalo ngenxa yokuba kunzima ukwenza, kodwa ngenxa yokuba ibhanki nganye inewebhusayithi yayo kwaye kwisinye ngasinye zenziwa ngokwahlukileyo.
Kodwa, ngokubanzi, xa usenza enye kwi-intanethi, kufuneka ufumane icandelo "lokudluliselwa" kwimenyu. Unokubuzwa ukuba loluphi uhlobo lodluliselo ofuna ukulwenza kwaye wakuba uqinisekisiwe, ungangenisa idatha yakho.
Ngokomzekelo, iya kukubuza kuqala kwi-akhawunti ofuna ukudluliselwa kuyo (yakho), ngoko inombolo ye-akhawunti apho ufuna ukuthumela khona imali. Okulandelayo, iya kukucela imali, kunye nomxhamli kunye nombono wokudluliselwa kwemali.
Ekugqibeleni, kufuneka uqinisekise (abanye bayayiqinisekisa ngeselula).
Utshintshelo lwebhanki kwi-cashier
Ukuba awufuni ukulinda emgceni ebhankini kwaye une-ATM ekufutshane, yazi loo nto Unokwenza utshintshiselwano ngebhanki ngesi sixhobo. Ngenxa yoko, Kufuneka ube nekhadi lakho okanye incwadi yokupasa (kwezinye iibhanki zikuvumela ukuba wenze ngayo). Kufuneka nje uyifake.
Kwimenyu eya kuvela, kufuneka ucofe ukudluliselwa kwebhanki kwaye emva koko ufake inombolo ye-akhawunti yommkeli, inani lemali yokuthumela kunye nengqiqo (ayiyiyo yonke into eya kuba nalo olu khetho).
Ekugqibeleni, kuya kufuneka ufake igama eliyimfihlo kuphela kwaye ugqithiselo luya kusebenza.
Ngaba ngoku icacile kuwe indlela yokwenza ukudluliselwa?