Kuthatha ixesha elingakanani ukudluliselwa?

Ukukhutshelwa ngumsebenzi webhanki owenziwa rhoqo ngabasebenzisi abaneakhawunti yebhanki kulo naliphi na iziko. Benza lula kwaye bathumele ukuthunyelwa kwemali phakathi kweeakhawunti ezimbini ezichongiweyo kunye nenyani elula yokwazi ikhowudi ye-IBAN. Akunakwenzeka ukuba umsebenzisi oyalela ukuhanjiswa kulawule umzuzu apho ukuhanjiswa kwakhe kuya kufikelela kumxhamli.

Ukutshintshwa kweebhanki yimisebenzi apho ibhanki icelwa ukuba ithumele isixa esithile semali kwiakhawunti yomntu wesithathu onokuthi abe okanye angabikho kwibhanki enye. Akunakwenzeka ukuba umsebenzisi akhawulezise inkqubo yokuhambisa, kodwa kunokwenzeka ukuba azi izinto ezibalulekileyo eziza kwenza ukuba kuncitshiswe ixesha lokuthengiselana ngokukhetha usuku, ixesha, indawo kunye nendlela eya kuthi igqibe ngayo. ukwenza lo msebenzi.

Zeziphi iintlobo zokudluliselwa ezikhoyo?

Utshintsho lunokuhlelwa phantsi kweendlela ezahlukeneyo, zonke kuxhomekeke kwixesha lakho phambili

• Ngokuqhelekileyo
• Ungxamiseko.

Olunye udluliselo oluthe ngqo lwebhanki zezo zisetyenziswa ziiakhawunti zezinto ezikwiBhanki yaseSpain, eyaziwa ngokuba yiOrder of Movements of Funds (OMF).

Nangona olu hlobo lokubhankisha okanye lwebhanki lusetyenziswa rhoqo kwaye lusetyenziswa ngokubanzi sisininzi sabasebenzisi abakwiakhawunti yebhanki, kunokwenzeka ukuba kunokubangela ukudideka kuba kungacacanga ncam umhla wokuphunyezwa okufanayo okanye ixesha lokuba kuyakuthatha ukufikelela kwiakhawunti yendawo ekuyiwa kuyo.

Singafumana oku kulandelayo Ukwahlula-hlulwa kotshintsho Ngokuthathela ingqalelo imigaqo-nkqubo yejografi, indlela ekhutshelwa ngayo i-odolo yokudlulisa okanye uhlobo esilucelayo lokutshintshela imali kwi-akhawunti enye iye kwenye.

Ulwahlulo lwejografi

Eli qela lijongana nelizwe lokuya kuyo imali ngokokuhlala kwendawo ekujongwa kuyo iakhawunti. Kolu luhlu unokufumana:

• Udluliselo yesizweLowo uthumela njengomxhamli ofumanayo useSpain.
• Ukutshintshelwa kwamanye amazwe: Ezo apho indlalifa ikwelinye ilizwe.

Ukongeza kolu luhlu, kukwakho notshintsho phakathi isikwere esinye Loluphi ugqithiselo lwesizwe phakathi kwendawo enye kunye Ukutshintshelwa kwindawo eyahlukileyo: phakathi kwezixeko ezibini.

Utshintsho olwenziwe buqu ukusuka kwi- isebe. 

 Ukwahlulahlula udluliso ngokwendlela eyalelwe ngayo:

• Utshintshelo ATM.
• Utshintsho olwenziwe ngu ifowuni o fax.
• Utshintshelo ngu Internet.

Ixesha elithathwayo lokuba imali ifakwe kwiakhawunti yendawo oya kuyo:

• Udluliselo eziqhelekileyoPhakathi kwentsuku ezimbini nezimbini zomsebenzi, yonke into ixhomekeke kwimimiselo yangoku.
• Ukutshintshwa okungxamisekileyo: Bafakwa kwi-akhawunti yesiphelo kwangolo suku.

Ukutshintshwa okungxamisekileyo kubonakaliswa ngokuba yi-OMF (iimali zokuhamba kwemali).

Kuthatha ixesha elingakanani ukufika?

Ubungakanani bexesha logqithiso luyahluka kakhulu kwikota yalo kuba isuka kwangolo suku lwenziwa ngalo umsebenzi kude kube ziintsuku kamva.

Ngokubanzi, kwaye oku kususela ekusebenzeni kwefayile Indawo enye yeNtlawulo kwiiYuro yaziwa njenge SEPA, Utshintshelo lwesizwe olwenziwe nge-euro kunye notshintsho lwamanye amazwe olujolise kumazwe akummandla waseYurophu, bane- elona xesha liphezulu losuku olunye lomsebenzi.

Ngaphambili, elona xesha liphezulu lokudluliselwa kwebhanki yayiziintsuku ezi-3 zeshishini lokudluliselwa ngaphandle kweSpeyin kunye neentsuku ezi-2 zokugqibela zeshishini kwabo bavela kwaye bafunyanwa ngokufanelekileyo kwiiakhawunti zaseSpain.

Kuthatha ixesha elingakanani ukusuka kwelinye ibhanki ukuya kwelinye?

Ukuba bavela kwibhanki enye, usuku olunye lweshishini; kodwa ukuba yahlukile, inokuthatha ukuya kwiintsuku ezi-3, Ngaphandle kokuba kungxamisekile kwimeko apho kungathatha iintsuku eziyi-1-2 ubuninzi. Ngayiphi na imeko, ukuba kuthatha ngaphezulu kweentsuku ezi-3 zomsebenzi, kuya kufuneka unxibelelane nomntu onike umyalelo wokudlulisela loo mali.

Ukufika kwenzeka nini ngoLwesihlanu?

Kuya kuxhomekeka ekubeni iakhawunti yendawo ekuyo ikwibhanki enye okanye eyahlukileyoKwimeko yokuqala yayiza kufika kwangolo suku lunye, kodwa kungenjalo yayiza kuba ngoMvulo okanye uLwesithathu. Ngayiphi na imeko, kuya kufuneka uyazi ukuba kwezinye iibhanki ugqithiso kwiintsuku ezidlulileyo aluhlali lusenziwa kude kube li-10 kusasa.

Iintsuku zo shishino

Ewe, zinokuqondwa njengezo ntsuku zokuvula kwezorhwebo apho Inkqubo yokuhlawula yaseYurophu (Ekujoliswe kuko).

Ukwazi iintsuku zeshishini, kuya kufuneka ubale imihla yokuvula kwezorhwebo apho inkqubo ingavalwanga khona I-TARGET kuya kufuneka uthathele ingqalelo: Yonke imihla ngaphandle kwangoMgqibelo nangeCawa kunye neeholide: Unyaka oMtsha, uLwesihlanu olungileyo, uMvulo wePasika, ngoMeyi 1, noDisemba 25 no-26.

 Ukuthatha ezo ntsuku siqwalasele, sinokuqonda ngendlela ekhawulezayo kwaye elula elula abantu esele beyazi: NgoLwesihlanu yeyona nto incinci ibonakalisiweyo yokwenza umsebenzi wokugcina imali ngolu hlobo ukuba into oyifunayo iboniswa ngesantya.

Ngayiphi na imeko, kunokuthiwa kukho ukungafani, njengoko kunjalo kwimeko ye Ukutshintshwa kwesiqhelo ngokukhawuleza Kuba yonke le misebenzi yenziwa phakathi kweeakhawunti ezimbini zebhanki enye, le misebenzi inokuthiwa yenzeke kwangoko ukusukela ukudluliselwa kwangaphakathi Kukungeniswa okulula kuphela kolawulo lwequmrhu.

Onke amaziko ane Iyure echazwe njenge "iyure yokusika" kwaye ukuba wenza amaxesha otshintshiselwano emva kwelo xesha, kuyakuthathelwa ingqalelo ukuba kufunyenwe ngosuku olulandelayo lomsebenzi.

Ngenxa yoku, kubaluleke kakhulu ukuthatha eli xesha, kuba, ukuba uyadlulisa ngaphambi okanye emva kwelo xesha, kuyakuthatha usuku lwe-1 ngaphezulu okanye kancinci.

Emva kwayo yonke le nto sele ikhankanyiwe, kunokwenzeka ukuba ucinga ukuba kukho into enokwenzeka yokutshintshela kwenye ibhanki kodwa ikwazi ukwenza iodolo kwangolo suku okanye kwangoko kwaye ekuphela kwento onokukhetha kuyo yile Ugqithiso lwe-OMF.

Ukutshintshwa kwangoko ngeBhanki yaseSpain

Ngaphandle kwento yokuba kunye noMthetho weeNkonzo zeNtlawulo wamva nje, ugqithiselo oluqhelekileyo luhlawulwa ngeeyure ezingama-24 zomsebenzi, kusenokwenzeka ukuba ube nesidingo sokwenza ukudluliselwa okungxamisekileyo ukusuka kwi-akhawunti enye ukuya kwenye kunye nemfuno yokuba isixa semali sihlawulwe kwangalemini inye.

Chwetheza udluliso Ulandelelwano lweeFund Movements Banokubizwa ngokuba kukudluliswa ngeBhanki yaseSpain, banomahluko ophambili kunye nelungelo labo lokuba bahlawulwe ngala mhla wenziwa ngawo umsebenzi.

Ukukhupha olu hlobo lotshintshelo, kubalulekile ukuba iqumrhu libe neakhawunti kwibhanki yaseSpain kuba kwenziwa ngayo (Ngendlela efanayo, ibhanki yaseSpain yiyo enika igama imisebenzi).

Bayakhawuleza kodwa phakathi kweengxaki zabo ezinokubakho ndingabonisa ubunzima bokuzicima, ngendlela efanayo indleko eziphezulu zazo, okanye ezinokwenzeka kuphela ngexesha lokusebenza kwebhanki yaseSpain, ke kuyacetyiswa ukubuza nokubonisana nayo yonke imiqathango eyimfuneko yokwenza le misebenzi.

Kukho izinto ezi-4 eziphambili ezinoxanduva lokuchaza ixesha lokulibaziseka lokusebenza: usuku, ixesha, indlela (ngombane okanye ngobuqu) kunye nendawo. Ukusukela ngeyoMqungu ka-2012, umthetho unyanzelisa ukuba ugqithiselo olunyanzelekileyo lwe-elektroniki kufuneka lwenziwe kungaphelanga usuku lomsebenzi emva komyalelo.

Kuya kufuneka uphinde uphande nexesha apho ibhanki yakho ibeke eyakho "Ixesha lokusika" yotshintsho lwakho ngohlobo lwedijithali okanye lomnxeba kuba oku kubhekisa kumzuzu apho iziko lakho lebhanki lijonga kuwo nawuphi na umyalelo ofunyenwe ngosuku olulandelayo loshishino.

Ngokwesiqhelo iiyure ezisikiweyo ngokwe-OCU yokutshintshelwa ngombane:

• ILa Caixa 11.00 h I-Barcelona
• Evo Bank 14.00:XNUMX emva kwemini A Coruña
• Unye 15.00:XNUMX pm iMadrid
• I-OpenBank 16.30 pm eMadrid
• I-ActivoBank 17.00:XNUMX pm iSabadell
• iBanesto 18.00:XNUMX pm iMadrid
• Ibhanki yeBhanki 18.30pm eMadrid
• ING ngqo 19.30pm eMadrid
• Umfundisi weBanco 20.00 h A Coruña

Ezi kunye nezinye iishedyuli zezinto ekufuneka uzithathele ingqalelo xa usenza ugqithiso kuba ngexesha lakho lendawo usenokuba nexesha ngaphambi kokunqunyulwa kodwa komnye ummandla, usuku luphelile kwaye uphulukene nosuku olupheleleyo.

Ukwenza ugqithiselo, indawo esigqithisela kuyo nalapho sithumela khona imali inokuchaphazela ixesha lokusebenza kuba kuya kufuneka uthathele ingqalelo iiholide zalapha ekhaya, ufumanise ukuba lusuku loshishino okanye hayi. Oku kusebenza nokuba wenze ugqithiso kwi-Intanethi okanye ukuba sikhuphe iodolo kwiofisi.

Ekugqibeleni, eyona nto unokuyenza kukuthintela iiholide kunye neeholide kunye nokucela ukuba udlulisele ebhankini kusasa. Kwaye ukwenza umsebenzi, kuya kuba ngcono ukusebenzisana neebhanki ezingabizi mali yokuhambisa:

• Iakhawunti ye-EVO Smart. Ayibizi ntlawulo kwaye inika inzuzo. Ikuvumela ukuba urhoxe simahla imali kuyo nayiphi na iATM emhlabeni.
• Imilinganiselo yeAkhawunti yangoku. Ukukhokela ebhankini eYurophu kunika iakhawunti yakho ugqithiso lwasimahla ngenyanga ezintlanu. Ukusuka kweyesithandathu, indleko nganye iya kuba yi-1 euro.
• Vula iAkhawunti yoMvuzo. Ibhanki yase-Santander ekwi-Intanethi ayihlawulisi iikhomishini nazo.
• I-Akhawunti yokwandiswa kweBanc Sabadell. Ngokuyalela irhafu eSabadell, umthengi uxolelwe ekuhlawuleni iikhomishini zotshintsho kuzwelonke nakwi-European Union ngenani elipheleleyo ukuya kuma-50.000 euros.