Ama-akhawunti wokukhokha ngumkhiqizo wasebhange lapho izindleko eziningi zingaqoshwa ngabanikazi bazo. Kubalulekile futhi ukuthi ahlobene neminye imikhiqizo yezezimali, ngokwesibonelo, amakhadi wesikweletu noma asebhange noma imali yesikhathi. Ngakho-ke, kuyinto engacabangeki ukungabi nawo umkhiqizo walezi zici ngenxa yeminikelo eminingi nezinsizakalo ezinikezela abasebenzisi.
Kulesi simo esivamile, kukhona uchungechunge lwezinzuzo ezingalokothi zintuleke ku-akhawunti yokukhokha. Futhi sizokudalula kuwe kule ndatshana ukuze ukwazi ukuwahlola kusukela manje kuqhubeke. Ngoba kungenzeka ukuthi abanye benu bangazi ngabo ngalesi sikhathi futhi akungabazeki ukuthi bangaba wusizo olukhulu ukugcina izintshisekelo zakho ezivamile njengomsebenzisi. Kuphi, kunjalo, kuzobaluleke kakhulu lokho anginayo i-akhawunti esimweni sokukhokha ngokweqile ngesizathu esilula sokuthi ungakhokha amakhomishini amaningi, mhlawumbe ngokweqile, walokhu okufakiwe okungalungile okukhokhiswe ku-akhawunti yakho.
Kunoma ikuphi, okunye okubaluleke kakhulu kuwe kuzoba ukubhalisela i-akhawunti yalezi zici ekhululiwe kuyo amakhomishini nezinye izindleko ekuphathweni noma ekugcinweni kwayo. Njengecebo eliwusizo kakhulu lokonga ama-euro ambalwa minyaka yonke ngokukhishwa kwemali ongakugwema ngokusebenzisa amasu athile ekuphathweni kwalo mkhiqizo wasebhange. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okujwayeleke kakhulu ekusetshenzisweni kwakho okuzonikeza le akhawunti yokonga. Lapho kuzoba ngokuyisisekelo ukuthi ubabhekela ukuqukatha lolu hlobo lwezindleko ezikhethekile.
Izindleko ze-akhawunti ephethe
Ezinye zalezo ezivame kakhulu kubasebenzisi bebhange yizo esizozichaza ngezansi nokuthi ujwayelene kakhulu nazo. Kungalesi sizathu-ke kufanele ukuthi uzibukeze ngezansi ukuze ungakhohlwa noma imiphi imininingwane yalokho okuyizinkokhelo zedebhithi noma i-akhawunti yasebhange. Phakathi kwazo esikudalula kuzo ngezansi:
Ukugcinwa kwe-akhawunti: yibhizinisi elilawula i-akhawunti ukuze iklayenti likwazi ukusebenza nayo.
Ukukhishwa nokunakekelwa kwekhadi lesikweletu: ibhizinisi linikeza ikhadi lokukhokha elihlotshaniswa ne-akhawunti yekhasimende. Inani lomsebenzi ngamunye owenziwa ngekhadi likhokhiswa ngqo futhi ngokuphelele ku-akhawunti yekhasimende.
Ukukhishwa nokunakekelwa kwekhadi lesikweletu: ibhizinisi linikeza ikhadi lokukhokha elihlotshaniswa ne-akhawunti yekhasimende. Inani eliphelele elihambisana ne- imisebenzi yenziwe nekhadi ngesikhathi okuvunyelwene ngaso likhokhiswa ngokugcwele noma ingxenye ku-akhawunti yekhasimende ngosuku okuvunyelwene ngalo. Esivumelwaneni sesikweletu esenziwe ngokusemthethweni phakathi kwebhizinisi nekhasimende, kunqunywa ukuthi ingabe inzalo iyasetshenziswa yini kumanani ahleliwe.
Kutholakele ku-akhawunti
- Kutholakale okucacile: ibhizinisi neklayenti bavumelana kusengaphambili ukuthi owokugcina angaba nezimali uma kungekho mali esele ku-akhawunti yakhe. Isivumelwano sinquma inani eliphakeme elingenziwa litholakale nokuthi iklayenti kufanele likhokhe amakhomishini nenzalo.
- I-Tacit itholakele: ibhizinisi lenza izimali zitholakale kumakhasimende ezeqa ibhalansi etholakalayo ku-akhawunti yazo. Kunoma ikuphi, asikho isivumelwano sangaphambilini phakathi kwebhizinisi neklayenti.
- Dlulisa: Ngokulandela imiyalo yekhasimende, ibhizinisi lidlulisa izimali zisuka ku-akhawunti yekhasimende ziye kwenye i-akhawunti.
- Ukuma okumiyo: ngokulandela imiyalo yekhasimende, ibhizinisi lithumela ngezikhathi ezithile inani elithile kusuka ku-akhawunti yekhasimende liye kwenye i-akhawunti.
Ukuhoxiswa kwemali kuma-ATM
Ukuhoxiswa kwemali ukufaka imali ngekhadi kuma-ATM: lapho ikhasimende likhipha imali kwi-akhawunti yalo nge-ATM yelinye ibhizinisi, ngekhadi, ngenxa yebhalansi etholakalayo.
Ukuhoxiswa kwemali ngesikweletu ngekhadi kuma-ATM Ikhasimende likhipha imali nge-ATM yebhizinisi layo noma elinye ibhizinisi, ngekhadi, lapho izimali zimbozwa ngomugqa wesikweletu ovulekele ikhasimende futhi kungakhathalekile ukuthi ibhalansi ekhona ku-akhawunti.
Izexwayiso zesevisi (I-SMS, i-imeyili noma efanayo): ibhizinisi lithumela imininingwane ngokunyakaza okwenziwe ku-akhawunti yekhasimende nge-SMS, i-imeyili noma obunye ubuchwepheshe obufanayo. Ukuxoxisana nokususwa kwamasheke. Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi ibhizinisi lithatha izinyathelo ezifanele zokuthola imali yesheke.
Ukubuyiselwa kwamasheke: kulokhu, ibhizinisi lenza izenzo ezibangelwe ukungakhokhelwa kwesheke elinye ibhizinisi.
Izindleko ekusebenzeni
Esinye isici okufanele sibhekwe kulesi sigaba semikhiqizo yezezimali noma yasebhange ukukhishwa kwemali okuzobiza abanikazi bayo. Ngoba imvamisa baphatha amanani angabadinga ngezindleko ze-akhawunti ezingasukela kuma-euro ambalwa kuze kufike kuma-euro angama-200 kumamodeli anwebekayo. Ukuze ngale ndlela, laba bantu bakwazi ukwenza yonke imisebenzi nokunyakaza esikhulume ngakho ezigabeni ezedlule. Futhi ukuthi abaningi babo bangabanjwa isimanga ngecala lokuthi bazokwethulwa ebhange labo elijwayelekile.
Izindaba ezimnandi, ngokuphambene nalokho, ukuthi laba bantu bayoba nazo ukuthi ama-akhawunti amaningi akhokhelwayo athengiswa mahhala ngamakhomishini, izinhlawulo kanye nezinye izindleko ekuphathweni noma ekugcineni. Ukuze ngale ndlela, ukwazi gcina ama-euro amaningi minyaka yonke nokuthi yini ebaluleke kakhulu, ngaphandle kokudela noma iyiphi insizakalo noma ukuhlinzekwa kwalo mkhiqizo webhange obaluleke kakhulu kuzo zonke izidingo zethu. Lokho wukuthi, kukhululeke ngokuphelele kwasekuqaleni. Ukuba ekupheleni kosuku esikufunayo ngaphezu kokunye ukucatshangelwa kolunye uhlobo.
Izimo ekuqashweni kwakho
Ukufeza lezi zinhloso ezikade zilindelwe, okungukuthi, ukuqeda izindleko ze-akhawunti ephethe, amasu ahlukahlukene wemvelo ehlukile angakhiwa. Enye yezinto ezivame kakhulu okwamanje ukwenziwa kwefayela le- imali ekhokhwayo eholelwa ngqo noma imali engenayo ejwayelekile esimweni sabasebenzi abazisebenzayo. Lezi zinkokhelo zizonyamalala ngokuzenzakalela kuma-akhawunti ethu nokuthi yini okuthakazelisa kakhulu, ngokushesha. Ngokufanayo, kuzosivumela ukuthi sijabulele ezinye izinsizakalo zebhange noma imikhiqizo mahhala. Isibonelo, ngamakhadi wesikweletu noma wedebhithi.
Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi olunye uhlelo esingalusebenzisa ukususa lezi zindleko ku-akhawunti ephethe lususelwa ekubhaliseni lezi zinhlobo zokuphatha ngeziphakamiso ezibandakanya ukukhululwa kwekhomishini nezinye izindleko ekuphathweni noma ekugcinweni kwayo. Ngalo mqondo, ama-akhawunti afaka lesi sici esizuzisa kakhulu intshisekelo yethu yomuntu siqu noma yebhizinisi aya ngokuya evama kakhulu. Ngoba empeleni, lo mkhiqizo wasebhange uzwela kakhulu ukuze ungasibizi i-euro eyodwa.
Ngamabhonasi kuma-invoice
Enye yeminikelo ama-akhawunti aphethe asinikeza yona ukuthi singakwazi ukuhlala kunoma yiluphi uhlobo lwe- amarisidi noma izikweletu zasekhaya (ugesi, igesi, amanzi, iselula yocingo, njll.). Ngaphandle kwanoma yiluphi uhlobo lwemikhawulo futhi kunenzuzo enkulu yokuthi kwamanye amamodeli wokonga kukhona ngisho nethuba lokuthi ingxenye yemali ekhokhiswe nge-akhawunti ibuyiselwe kithi. Kuyiqiniso ukuthi imali ayifuni kakhulu futhi ifinyelela ku-3% kuphela kuyo. Ngaphezu kwalokho, ngomkhawulo omkhulu ekubuyisweni okuvame ukusungulwa cishe nge-150 noma okungenani ama-euro angama-200.
Kunoma ikuphi, ukufeza leli qhinga lokuhweba engxenyeni yamabhizinisi asebhange, kuyadingeka ukwenza isivumelwano sokulondoloza noma ukuhlola i-akhawunti evumela lolu hlobo ukusebenza kwe-accounting. Ngoba iningi lazo aligunyaziwe ukuqala lezi zimbuyiselo ngezindleko ze-akhawunti zalo mqondo. Kungamamodeli athile kuphela lapho lokhu kusikisela okungenziwa ukufeza ukonga okukhulu minyaka yonke. Ngaphandle kokukhokhiswa okwenziwa njalo kanye nebhalansi lo mkhiqizo wokonga onayo.
Ngazo zonke izici
Kunoma ikuphi, uzokwazi ukuqinisekisa izinto eziningi ongazenza nge-akhawunti yakho ephethe futhi ngokuqinisekile ukuthi kusukela manje uzoba nemibono eminingi ongayisebenzisa kusukela kuleli thuluzi elinamandla elitholakala kunoma yisiphi isikhungo sezezimali . Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okuzovele kube yindatshana yeminye imibhalo ukuze uyiqonde kangcono.
Njengesiphetho, nakanjani uzofika emcabangweni wokuthi awukwazi ukuhlala ngaphandle kwe-akhawunti yalezi zici. Zibalulekile kunoma yiluphi uhlobo lwe ubudlelwane nezwe lemali eliyinkimbinkimbi njalo. Ngakolunye uhlangothi, ungakhohlwa ukuthi kuzosivumela futhi ukuthi sijabulele ezinye izinsizakalo zebhange noma imikhiqizo mahhala. Isibonelo, amakhadi esikweletu noma asebhange, izimali zokutshala imali noma ukwenza noma yiluphi uhlobo lokudlulisa, kungaba ngezwe noma ngaphandle kwemingcele yethu. Kungumkhiqizo obaluleke kakhulu kuwo wonke umuntu.