Cishe kunoma yiliphi ibhange ungathola ama-akhawunti aklanyelwe intsha ngokukhethekile, kodwa lokhu akusho ukuthi zonke ziyathakazelisa.
Ngokuvamile banjalo ama-akhawunti okonga ngaphandle kwamakhomishini futhi ezinikeza amathuba amakhulu okulondoloza noma izinzuzo ezithandekayo.
Ibuye inikezwe ngokujwayelekile kubantu abanayo Ngaphansi kweminyaka engama-35. Awukakayitholi i-akhawunti yentsha evumelana nezidingo zakho? Sikukhuthaza ukuthi uqhubeke ufunda ukuze uthole abangcono kakhulu.
Ukukhethwa kwama-akhawunti amahle kakhulu wabantu abasha ngo-2022
Ibhange laseNorway
Ukwakha i-akhawunti enhle ku Ibhange laseNorway Kufanele wenze yonke into ku-inthanethi, usebenzisa umakhalekhukhwini wakho futhi ngaphandle kwenkokhiso.
Ngeke kudingeke ukuthi ukhokhe ikhomishini yokuvula, isondlo, futhi ngeke ube nenani elincane lamadiphozithi.
Enye yezici zayo inzuzo, okuzoba 0,25% NIR ngaphandle kokugcina ibhalansi encane ku-akhawunti.
Ngaphezu kwalokho, le akhawunti ayinayo imikhawulo ehlobene, ngakho ungakwazi ukufinyelela imali yakho noma kunini.
Uma usuvele ungumsebenzisi waleli bhange, ungakwazi kalula ukudala i-akhawunti ngokusebenzisa le Indawo yekhasimende, ekukhetheni kwe- Yenza i-akhawunti.
I-Akhawunti Yentsha ye-BBVA
La I-akhawunti ye-BBVA encane iwumkhiqizo wezezimali obekelwe abasebenzisi abaneminyaka ephakathi nendawo Iminyaka ye-19 ne-29.
Ibonakala ngokunikeza izinzuzo ezihlukene, njengekhadi ledebithi elihlobene ngaphandle kwanoma yiziphi izindleko (hhayi ezokulungisa, noma ezokusetshenziswa), i-akhawunti ngaphandle kwamakhomishini, izaphulelo ezihlukahlukene.
Okuhle kunakho konke ukuthi ukufinyelela i-akhawunti kanye nekhadi ngeke kudingeke ukuthi ubeke iholo noma amarisidi. Ngakho-ke ngeke kudingeke ukuthi kube ne-payroll ukuze ukwazi ukuyivula, into edingwa yizinkampani eziningi.
Kodwa uma une-payroll ungayihlala futhi uthole isipho abanaso ngaleso sikhathi.
I-Openbank Open Account
I-Openbank inikeza i-akhawunti kubantu abasha mayelana nokuthi yonke inqubo iphethwe 100% ku-inthanethi, kusukela enqubweni yenkontileka kuya ekuqinisekiseni okulandelayo.
Kuyinketho enhle kulabo basebenzisi abafuna i-akhawunti yabo, kodwa babalekela noma yiluphi uhlobo lwekhomishini noma isixhumanisi. Ngaphezu kwalokho, yakhelwe noma yimuphi umsebenzisi, kungakhathaliseki ubudala bakhe.
Ukudluliselwa kumahhala futhi kufaka nekhadi ledebithi lamahhala.
I-akhawunti kaClara de Abanca
Abanca Akuyona inketho eyaziwa kakhulu kwezinye izingxenye zeSpain, kodwa kungenye inketho ethakazelisayo kubantu abasha. Ihloselwe bonke abangaphansi iminyaka 35.
Inekhadi lasebhange elifakiwe elizosivumela ukuthi sikhiphe imali noma kuphi, ngisho naphesheya kwezilwandle. Ayinazo izindleko ezihlobene.
Futhi akudingekile ukuba ne-payroll ukuyivula, kodwa, njengamanye amabhange, sizoba nebhonasi ethakazelisayo uma sinayo futhi sinquma ukuyihlala. Kuye ngevelu, sizoba nenani elithile elingukheshi.
I-akhawunti ye-Banco Santander Smart
Inketho yokugcina kulolu hlu lwe ama-akhawunti entsha angcono kakhulu kulo nyaka yiyona i-akhawunti ehlakaniphile i-del I-Banco Santander. Ihloselwe abantu abasha abaneminyaka ephakathi Iminyaka ye-18 ne-31.
Ayidingi noma yiluphi uhlobo lokuxhuma futhi ayinayo ikhomishini yesondlo. Ukudluliselwa kwe-inthanethi nakho akunazindleko.
Lapho wenza inkontileka ye-akhawunti, ikhadi ledebhithi nalo lifakwa inkontileka. Izindaba ezinhle ukuthi ayikho imali ehambisanayo yokukhishwa, imali yokuvuselela nanoma yiziphi ezinye izindleko ezihlobene.
Yiziphi izici ama-akhawunti wentsha anazo?
Ukuze ube nalo lonke ulwazi olungenzeka ngaphambi kokuqasha a i-akhawunti yentsha, lezi izici eziyinhloko abazokunikeza zona:
- Awekho amakhomishana: okuvame kakhulu ukuthi abantu abasha abakhokhiswa noma yiluphi uhlobo lwekhomishini yokugcina i-akhawunti. Lokhu kusho ukuthi ngeke ibe khona imali yesondlo noma yokuphatha. Lolu wusizo kubantu abasha.
- Amakhadi amahhala: Okunye okukhanga ama-akhawunti kubantu abasha ukuthi afaka amakhadi amahhala (kokubili idebhithi nekhredithi). Kungajabulisa futhi uma sinenketho yokwengeza ikhadi ku- Wallet umakhalekhukhwini, ukuthenga ngokunethezeka ngocingo.
- Ukudluliselwa kwamahhala: umbandela oyinhloko lapho ukhetha i-akhawunti yentsha ukuthi zingenziwa transferencias ngaphandle kwanoma yiluphi uhlobo lwe Coste. Futhi ngeke kube buhlungu ukuhlola ukuthi i-akhawunti iyahambisana yini nayo I-Bizum, njengoba iyithuluzi elidume kakhulu entsheni… naphakathi kwabantu abancane kangako.
- Izaphulelo: Ngaphezu kwakho konke okungenhla, amanye amabhange anikeza okuthile izaphulelo ukuze benze ama-akhawunti abo athandeke kakhulu (ngokwesibonelo, angabuyisela iphesenti elithile lalokho esikukhokhele ngekhadi lesikweletu).
Lezi yizo Ama-akhawunti angu-5 angcono kakhulu kubantu abasha bamanje kanye nezinye izici ezizosisiza ukuthi sithole inketho engcono kakhulu kithi.