Naphezu kweqiniso lokuthi namuhla ukukhokha cishe kwenziwa njalo ngekhadi lesikweletu uma uthenga ku-inthanethi, kusenabantu abakhetha ukusebenzisa ukudluliselwa kwebhange lapho bethenga. Noma kungenzeka ukuthi udinga ukudlulisa imali isuka kwenye i-akhawunti uye kwenye yenkampani yakho, noma ukhokhele abahlinzeki bempahla noma abasabalalisi. Kodwa uyazi ukuthi ukudlulisa kanjani?
Noma kunjalo ingenye evame kakhulu phakathi kwamabhangeAbantu abaningi ababhekane nalokhu kuze kube kufanele. Futhi, ngezinye izikhathi, ukungazi kusho ukuthi awenziwa kahle. Ukuze ugweme lokhu, ngezansi uzothola konke odinga ukukwazi.
Kuyini ukudluliselwa kwebhange
Njengoba sesikutshelile ngaphambilini, i-EFT wukushintshaniswa kwemali isuka kwelinye ibhange iye kwelinye. Okwenziwayo ukunikeza ibhange lakho umyalelo wokuthi likhiphe inani elithile lemali bese liyifaka kwenye i-akhawunti yasebhange, kungaba ebhange elifanayo, noma kwelinye ibhange.
Ngokuya nge-akhawunti onayo, lokhu kudluliselwa kungaba mahhala noma ukhokhe imali ukuze wenze isevisi.
Izinhlobo zokudluliswa kwemali ebhange
Wake wazibuza ukuthi zingaki izinhlobo zokudluliswa kwemali ebhange? Kufanele wazi ukuthi kuye ngokuthi zilinganiswa kanjani, kunamaqembu ahlukene. Isibonelo:
Uma sikhulumela indawo lapho kudluliselwa khona, ungaba:
- Ubuso nobuso.
- Online.
- Kusuka ku-cashier.
- Ngocingo.
kuye ngesikhathi (lokhu kufanele ukwazi ngoba emabhange amaningi lo mehluko ushiwo ekuqaleni), ungaba:
- Ukudlulisa okuvamile. Iyona evame ukwenziwa ethatha izinsuku zokusebenza ezingu-1-2 ukuze ifinyelele lapho iya khona.
- Ngokushesha. Yilona okwenziwa cishe ngemizuzwana, kudluliswa imali isuka kwenye i-akhawunti iye kwenye ngosuku olufanayo. Eqinisweni, uma kwenziwa ngaphambi kwehora lesi-4 ntambama, kusetshenzwa ngalo lolo suku.
- Kuyaphuthuma. Akuthathi isikhathi esingaphezu kosuku, futhi kwenziwa njalo ngeBhange LaseSpain.
- Izikhathi ezithile. Yilona esenzeka njalo x isikhathi. Lezi zihlelelwe ukuthi zenziwe ngokuzenzakalelayo.
Okunye ukuhlukaniswa okufanele kubhekwe kuya ngendawo oya kuyo, okungukuthi, imali yokudlulisa izoya kuyiphi i-akhawunti yasebhange. Ngakho, sithola:
- Kuzwelonke. Uma kwenziwa ezweni elifanayo nomuntu “okhokhayo”.
- Okwezwe Lapho i-akhawunti okufakwa kuyo imali ingaphandle.
- YAZI. Kuyafana nalokhu okungenhla ngaphandle kokuthi ukudluliselwa kwenziwa ngama-euro nasemazweni angaphakathi kwe-European Economic Area.
Indlela yokudlulisa imali ebhange
Uma kwenzeka uzithola kufanele wenze imali ebhange futhi ungazi ukuthi kanjani, lapha sizokunikeza izindlela ezintathu ezihlukene zokwenza. Nokho, khumbula lokho ibhange ngalinye linephrothokholi yalo futhi kungenzeka ukuthi kwezinye izimo udinga "okunye" ukuze ukwazi ukukufeza. Ngenhlanhla, bazokwazisa ngakho.
Yini oyidingayo ukuze wenze ukudluliselwa
Okokuqala, ukwenza ukudluliselwa kwemali, Kuyadingeka ukuthi ube nedatha emithathu eyisibopho nebalulekile:
- Ngakolunye uhlangothi, idatha yomuntu ozothola imali. Kulokhu sikhuluma ngegama nesibongo (noma inkampani), i-akhawunti yomamukeli kanye ne-IBAN yakhe. Ngokuvamile i-IBAN ingaphezu kokwanele, kodwa uma unazo zombili idatha (ehluke kuphela ngezibalo ezi-4), ngeke kube umqondo omubi.
- Ngakolunye uhlangothi, Uzodinga ukuba ne-akhawunti yasebhange ukuze ukwazi ukudlulisa. Uma okwenzayo ukuya ebhange ubacele ukuthi bafake imali kwenye i-akhawunti, akukhulumi kahle ukudluliswa kwemali.
- Futhi ekugcineni uzodinga umqondo walokho kudluliselwa, okungukuthi, kungani ukhokha leyo mali kuleyo nkampani noma kumuntu.
Qaphela, ngoba uma ukudluliswa kwebhange kungokwamazwe ngamazwe, ke ibhange lingase likucele ukuthi unikeze ngekhodi ye-SWIFT/BIC we-akhawunti ukuze ukwazi ukukwenza.
Uma usunakho konke, ungazenza ngokushesha. Siyakutshela ukuthi kanjani.
Yenza ukudluliselwa kwebhange ubuso nobuso
Kulokhu, inketho yokuqala onayo uku iya ngqo ebhange lakho ukuze wenze ukudluliselwa. Ngakho-ke isinyathelo sokuqala ukuya ebhange lakho futhi ulinde ukuthi likunikeze usizo.
Ngaleso sikhathi, kuzomele ucele ukudluliswa kwemali ebhange. Umsebenzisi uzokubuza inombolo ye-akhawunti yomuntu ozomkhokhela, igama nomqondo. Futhi inani lemali ofuna ukuyithumela.
Yebo, kuyaqala ngqa bangase bakucele umazisi wakho ukuze uqinisekise ukuthi nguwe ngempela umnikazi we-akhawunti yasebhange ozokwenza ngayo.
Ekugcineni, kuzodingeka usayine idokhumenti yokuthethelela. Yidokhumenti oqinisekisa ngayo ukuthi ukudluliselwa kwenziwe.
Futhi yilokho. Uma ususayiniwe, futhi sebekunike ikhophi, kuzodingeka ushiye ibhange kuphela.
ukudluliselwa ku-inthanethi
Indaba yokudluliswa kwemali ebhange nge-inthanethi inzima kakhulu ukuyichaza. Hhayi ngoba kunzima kakhulu ukukwenza, kodwa ngoba ibhange ngalinye linesizindalwazi salo futhi kulowo nalowo zenziwa ngendlela ehlukile.
Kodwa, ngokuvamile, lapho wenza eyodwa ku-inthanethi, kufanele uthole isigaba "sokudlulisa" kumenyu. Ungabuzwa ukuthi yiluphi uhlobo lokudlulisa ofuna ukulwenza futhi uma sekuqinisekisiwe, ungafaka idatha yakho.
Isibonelo, izokubuza kuqala ukuthi iyiphi i-akhawunti ofuna ukudluliswa ngayo (eyakho), bese kuba inombolo ye-akhawunti lapho ufuna ukuthumela khona imali. Okulandelayo, izokucela inani, kanye nomzuzi kanye nomqondo walokho kudluliselwa kwemali.
Ekugcineni, kufanele uqinisekise (abanye bayakuqinisekisa ngeselula).
Ukudluliselwa kwebhange ku-cashier
Uma ungafuni ukulinda kulayini ebhange futhi une-ATM eduze, yazi lokho ungase futhi wenze imali ebhange ngokusebenzisa le divayisi. Ngenxa yalokhu, kufanele ube nekhadi lakho noma incwadi yokudlula (kwamanye amabhange bayakuvumela ukuthi ukwenze ngawo). Kufanele nje ukufake.
Kumenyu ezovela, kufanele uchofoze ukudluliselwa kwebhange bese ufaka inombolo ye-akhawunti yomamukeli, inani lemali ozoyithumela kanye nomqondo (akubona bonke abazoba nale nketho).
Ekugcineni, uzodinga kuphela ukufaka iphasiwedi yakho futhi ukudlulisa kuzosebenza ngempumelelo.
Ingabe manje sekucacile kuwe ukuthi ukudlulisa kanjani?