I-akhawunti yabasebenzi, okufanele ukwazi.

i-akhawunti yabasebenzi

Lapho sikhuluma ngayo ama-akhawunti wabasebenziSikhuluma ngama-akhawunti amanje lapho kufanele siqondise umholo wethu ukuthola izinzuzo lolu hlobo lwe-akhawunti olusinika zona. Lezi zinhlobo zama-akhawunti zikucela ukuthi ube ne- i-akhawunti yasekhaya nabo noma ukuthi unemali engenayo ngezikhathi ezithile uma kwenzeka uzisebenza noma unempesheni.

Izinzuzo zama-akhawunti wabasebenzi

Enye yezinzuzo ezinkulu ama-akhawunti omholo asinikeza zona ngokungangabazeki yilokho awekho amakhomishini okumele akhokhwe nganoma yiluphi usizo (yize lokhu kungekho kuwo wonke ama-akhawunti) futhi futhi zikunikeza nethuba lokuthola izipho zokuba nalezo zinhlangano ku-akhawunti yakho yokukhokha.

Futhi, bakunikeza inketho ye- thola iphesenti elincane lezikweletu zakho ngqo zedebithi nabo noma inketho yokuba nohlelo lwamaphoyinti lapho ungathola khona imiklomelo ngokuthenga kwakho noma wenze inzalo enkulu yemali onayo nabo.

Cela imiklomelo ngokubuyisela

Ngesikhathi sokufaka umholo okungenani kanye ngenyanga, kuyinto kubantu abaningi okungelula kangako, ngakho-ke izinhlangano kufanele zikunikeze imiklomelo yalokho. Ngokwazi kwakho kufanele uzazise kahle kakhulu futhi wazi ukuthi yiziphi izinketho abakunika zona. Ukuze wenze lokhu, kuzodingeka uthathe isikhathi sakho futhi wazi ukuthi yimaphi amanani ahlonishwa kakhulu ngamakhasimende, azama ukuthola i- izinketho ezingcono nezinzuzo zakho.

Kulolu hlobo lwamaholo, i-euro ngayinye esima ukuyikhokha ngaleso sikhathi yi-euro esingayifaka ohlwini olulandelayo lokukhokha, ngakho-ke iba ngumthombo omkhulu wokonga ngokuhamba kwesikhathi.

Yimaphi ama-akhawunti wokukhokha ahamba phambili emhlabeni

i-akhawunti yabasebenzi

I-akhawunti yomholo ivuliwe. Ingabe I-akhawunti ye-Openbank Ingenye yezinto ezinhle kakhulu njengoba inesilinganiso sokonga esingu-92%. Lapha, imali engenayo encane ingu-0.00%. Phakathi kwezinzuzo ezinkulu ungajabulela i-akhawunti ngaphandle kwanoma yiluphi uhlobo lwekhomishini futhi ibhange likunikeza amakhadi wamahhala ngokuphelele. Ngaphezu kwalokho, ngaleli bhange unethuba lokubuyiselwa imali engu-1% yamadebhithi oqondile owakhokhayo.

ING ngqo. Ku-akhawunti ye-ING yokukhokha eqondile ukonga kungama-84% kanti imali engenayo encane yokukwazi ukuba nale akhawunti ingu-0.00. Izinzuzo lolu hlobo lwe-akhawunti ezikunikeza zona ukubuyiselwa imali okungu-3% ekuthengeni eziteshini ze-GALP nase-SHELL. Ngaphezu kwalokho, lokhu Uhlobo lwamaholo alunikezi noma yiluphi uhlobo lwekhomishini ngakho-ke ungajabulela izinzuzo ezinikezwa yibhizinisi ngaphandle kwenkinga. Uzokonga imali enkulu ngokuhamba kwesikhathi.

Evo. Ku I-akhawunti yokukhokha ye-EVO ungajabulela izinsizakalo eziningi zamahhala zasebhange, ezenza abantu abaningi banqume ukuba nalezi zinhlobo zama-akhawunti. Imali engenayo encane kulolu hlobo lwe-akhawunti ingu-0.00 futhi ungaba nemali kudebithi ngaphandle kwalokhu okubandakanya noma yiziphi izindleko zomuntu futhi ungabi namakhomishini kuzo zonke izinqubo ezenziwayo.

UNOE. Ku-akhawunti yabasebenzi bakwa-Unoe sithole ukonga okungu-65% ngenzuzo encane kwi-akhawunti ka-0.00. Lokhu kungenye ye- ama-akhawunti azuzisa kakhulu kepha hhayi njengodumile njengabanye. Lapha ungajabulela i-akhawunti exhunywe ngaphandle kwezindleko kanye ne-0.25 APR uma kwenzeka ukuthi umholo ungaphezulu kwama-euro angama-600.

ICaxa. Ku-la Caixa kuyabalwa ukukhokhelwa kwezinkanyezi eziningi Sinezinga lokonga elingu-57%, noma kunjalo, kulokhu imali engenayo encane ngama-euro angama-600. Kulezi zinhlobo zama-akhawunti, awunalo uhlobo lwekhomishini futhi ngeke kudingeke ukhokhe noma yini eyengeziwe ngezinsizakalo. Unekhadi le-visa elijwayelekile labaphethe nelomzuzi we-akhawunti.

SElfbank. Ku-akhawunti yomholo ka- Ama-akhawunti we-SElfbank anomholo omncane wama-1.00 euros futhi unokonga okufika kuma-95%. Lapha, unamakhadi wesikweletu ngokuphelele futhi ungakhetha phakathi kwekhadi olifunayo, kusuka ku-visa yegolide kuya kwi-American Express enkulu.

Sabadell. Ngama-akhawunti weSabadell unokonga okungu-0.00%. Kuleli khadi une- Isistimu engenayo encane engu-0.00 futhi ungajabulela ukubuyiselwa imali efinyelela ku-3% ezindlekweni zamanzi, ugesi kanye negesi. Ngaphezu kwalokho, unesevisi yamahhala ngokuphelele yekhadi lesikweletu.

Osebenza ngebhange. Kumholo okhokhelwa i-akhawunti ye-Bankinter, ukonga akukukhulu kangako, ngoba unohlobo lwemali engenayo lwama-euro angama-5.000 kanti ukonga kungama-86% kuphela. Unembuyiselo ekuthengeni okuvela kumabhizinisi ahlukahlukene futhi ungajabulela i-akhawunti ngokudluliswa kwamahhala kwe-inthanethi ngokuphelele, kanye nomshuwalense ohlukahlukene ohlotshaniswa nomshuwalense ohlobene nama-akhawunti wesikweletu kuya kumshuwalense wokuhamba.

i-akhawunti yabasebenzi

Ibhange leDeutsche. Kulolu hlobo lwe-akhawunti uphakamisa ama-akhawunti nge inzuzo yokonga kufika kuma-82% kepha ngezinga eliphansi lemali engenayo lama-euro angama-600. Phakathi kwezinzuzo ezinikezwa yilolu hlobo lwe-akhawunti yokukhokha, unedebhithi eqondile yamarisidi amakhulu futhi futhi, yi-akhawunti engenawo amakhomishini ngokuphelele futhi engenalo uhlobo lwezindleko zokuvula.

I-akhawunti yabasebenzi el estiron. Kulolu hlobo lwe-akhawunti i- Ibhange elidumile uzothola ukonga okungama-78% nemali engenayo ephansi engu-0.00. Phakathi kwezinzuzo ibhizinisi elikunikeza zona kumkhiqizo we-akhawunti yokukhokha imali yokukhishwa engu-0.00 kanye nokugcinwa kwe-akhawunti. Ubuye ube nesamba esingu-2% ezindlekweni zakho zasekhaya ezizobuyiselwa kuwe ekupheleni kweminyaka eyishumi yenyanga.

I-Bankoa. I-Bankoa iyinhlangano engaziwa kangako kodwa ene izinzuzo ezinkulu kubantu abanomholo okhokhelwa ngaphezulu kwama-euro angama-3.000 abafuna ukuhlala kuwo. Ngale akhawunti ekhokhelwayo, une-akhawunti ekhokhelwayo futhi uzothola isipho sokwamukela.

I-Payroll DB. I-Payroll DB nayo itholakala eDeutschebbank futhi ungajabulela i- izinga lokonga elifinyelela ku-75%. Ngaphezu kwalokho, unenani eliphansi lemali engenayo le-1.00 euro futhi unenketho yokukhetha uma ufuna amakhadi wesikweletu wamahhala noma amakhadi asebhange. Futhi unemali edonswa ngqo kumarisidi ngokuzenzakalela futhi ibhizinisi noma ibhizinisi ngeke likukhokhisele lutho ngalo.

I-akhawunti yokukhokha kanye ne-Bankinter. Kulolu hlobo lwamaholo, unethuba lokonga kuze kufike kuma-75% inqobo nje uma ungabeka imali engenayo encane yama-euro ayi-1.000 XNUMX. Phakathi kwezinzuzo lolu hlobo lwe-akhawunti olunikeza zona ukuba ne- I-akhawunti yokukhokha ngaphandle kokugcinwa noma amakhomishini. Ngaphezu kwalokho, ungenza noma yiluphi uhlobo lokuthengiselana nge-akhawunti yakho eku-inthanethi ngaphandle kwezindleko. Ungaba namakhadi ahambisanayo ngaphandle kwezindleko.

ILa Caixa ineholo. Ku-akhawunti ekhokhelwa i-la Caixa, unohlobo lwe-akhawunti lapho kufanele ube nesamba sama-euro angama-600 ngokwemali engenayo encane. Lapha unefayela le- ukugcinwa kwe-akhawunti yamahhala nezimali zokuphatha we-akhawunti nganoma yisiphi isikhathi ofuna ngaso. Ungajabulela futhi amakhadi esikweletu angafika kwamabili ngaphandle kwezindleko kuwe.

Ibhokisi Lonjiniyela BasePrimiyamu. Ungesabi igama, ngoba lolu hlobo lwamaholo lunezinga eliphansi lemali engenayo engu-1.00 euro futhi likunikeza imali engu-70%. Ngaphezu kwalokho, ine- ikhadi le-visa elijwayelekile Kuzoba mahhala uma nje ugcina i-akhawunti ivulekile futhi unethuba lokwenza noma yiluphi uhlobo lokudlulisa ngaphandle kokukhokhiswa noma yiluphi uhlobo lwekhomishini.

I-akhawunti yokukhokha yaseBankialink. Nge-bankialink uzothola ukonga okungama-67% ngemali engenayo encane engu-0.00. Izinzuzo lolu hlobo lwe-akhawunti ezikunikeza zona yi- inzuzo yokungabi nekhomishini kanye nokunakekelwa kwamakhadi wesikweletu angu-0.00% no-2.

i-akhawunti yabasebenzi

UCaixa Guissona. Ku-akhawunti ekhokhelwa i-Guisona ungakujabulela ukonga okungafika kuma-66% ngokutshala imali engenayo ephansi ye-1.00 euro. Lapha uzothola amakhadi we-visa ne-electron visa ngaphandle kokukhokhiswa lutho. Ngaphezu kwalokho, unenzuzo efinyelela ku-0.105 APR.

Hlela uxhuma i-akhawunti yabasebenzi. Kule akhawunti, ungakujabulela ukonga okungafika kuma-65% ngemali engenayo encane engama-euro angama-600.
Lolu hlobo lwe-akhawunti lusinikeza izinzuzo esingeke sikwazi ukuzithola kunoma yiliphi elinye ibhizinisi, ngoba linama-euro angama-20 wezinzuzo ngenxa yokuthi ukukhokha okuqondile Futhi une-akhawunti engadingi amakhomishini futhi engadingi unomphela. Amakhadi onawo ngalolu hlobo lwamanzi akhululekile ngokuphelele.

I-akhawunti yokukhokha ye-Santander. Nge-akhawunti ekhokhelwa ngabakwaSantander ungathola kuze kufike kuma-63% okonga ngemali encane engenayo efinyelela kuma-euro angama-600. Lapha unamakhadi edebithi nama-credit mahhala ngokuphelele futhi unedebhithi eqondile ngokuphelele yamaholo namaresidi.

Ibhange elisebenzayo. Nge-activobakn sibuyela kumholo omncane ka-0.00 futhi basinika ukonga okuphelele kwama-63%. Kulolu hlobo lwe-akhawunti awulethi noma yiluphi uhlobo lwamakhomishini futhi une-akhawunti lapho ngeke kudingeke ukhokhe isondlo. Unamakhadi amahhala futhi une-akhawunti engeke ikukhokhise imali yonyaka noma.

Bancorreos. EBancorreos uthola uhlobo lwe-akhawunti olunikeza izinzuzo ze-0.00%. Lapha, unethuba lokuba ne-akhawunti yokukhokhela nabo ngazo zonke izinsizakalo zamahhala futhi iphinda inikeze nephakethe losizo elincane.

I-akhawunti ekhokhwa ngqo ehhovisi. Lapha unethuba lokuthola ukonga okungafika kuma-63%. Imali engenayo encane yaleli bhizinisi ingu-0.00 futhi une- i-akhawunti ekhokhelwa ngokukhokha nyangazonke okungu-2% wenani lonyaka onalo kumarisidi akho asekhaya. Unekhadi le-visa elingadingi noma yiluphi uhlobo lwemali ekhokhwayo yonyaka.

I-akhawunti yokukhokha yeNovanca. E-Novanca, Unohlobo lokukhokhelwa olunemali encane engenayo engama-euro angama-600 futhi, ngekhadi lesikweletu elikunikeza umshuwalense wokuphila lapho ungathembela kuma-euro ayizigidi ezingama-120.000. Lolu hlobo lwe-akhawunti alunakhomishini futhi ukonga kungama-59%.

Abanca. I-Abanca iyinhlangano eyaziwa kancane ngabantu abafuna i- i-akhawunti yabasebenzi ngoba izinzuzo ezinikezayo zincane. Ngaphezu kwalokho, ukuze ukwazi ukuvula i-akhawunti yokukhokha e-Abanca kufanele ube nemali engenayo encane engama-euro angama-600. Phakathi kwezinzuzo ezinkulu inketho yokungazikhokhi izindleko zokuvula noma zokugcina ama-akhawunti futhi uzokwazi ukuhlanganisa amakhadi akho ebhizinisi ngaphandle kwenkinga.

i-akhawunti yabasebenzi

I-akhawunti yabasebenzi 123. Nge-akhawunti yokukhokha engu-123 sithola ukonga okungu-58% kwi-akhawunti lapho sinemali encane engenayo engu-0.00. Lolu hlobo lwamaholo ayinayo ikhomishini noma yiluphi uhlobo lwesondlo futhi ikunikeze ukubuyiselwa kwamarisidi edebithi ngqo ngaso sonke isikhathi. Ngaphezu kwalokho, unenzuzo yokuthi ayinalo uhlobo oluthile lwezindleko ku-akhawunti noma ekukhokhelweni kwamadebhithi aqondile, inethuba lokubuyisa amarisidi ashiwo futhi futhi ayinayo imali yonyaka

I-akhawunti ye-BBK net payroll. Ku-akhawunti yokukhokha yenani le-BBK, unenketho yokonga kuze kufike kuma-55% ngemali engenayo encane engu-0.00. Lapha uthola ibhonasi ka-1005 yemali yesondlo.

I-Targobakn. Nge Targo Bakn une i-akhawunti yabasebenzi ekhokhelwa ngokonga okungu-50% futhi, nge-0.00% ngaphezu kwalokho, uthola ibhonasi maqondana namarisidi nama-akhawunti onenketho yokuba nezinyanga ezi-4 ngaphandle kwamakhomishini kukho konke ukudlulisa okwenzayo.

Ibhokisi elibukhoma. Nge-akhawunti ekhokhwayo ebukhoma yemali uthola ama-50% wemali oyilondolozile ofuna ukuyithola ngemali encane engenayo engu-0.00. Lapha unenketho yokushintsha ngokuhamba kwesikhathi uye kwi-akhawunti yempesheni. Lolu hlobo lwe-akhawunti alunawo amakhomishini noma olunye uhlobo lwesondlo.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.