Ukudluliselwa kuthatha isikhathi esingakanani?

transferencias

Ukudluliswa kungumsebenzi webhange owenziwa kakhulu ngabasebenzisi abane-akhawunti yasebhange kunoma yisiphi isikhungo. Zenza lula futhi zinike amandla ukuthunyelwa kwemali ephakathi kwama-akhawunti amabili aqokiwe ngeqiniso elilula lokwazi ikhodi ye-IBAN. Akunakwenzeka kumsebenzisi oyalela ukudluliswa ukulawula isikhathi lapho ukudluliswa kwakhe kuzofinyelela kumzuzi.

Ukudluliselwa kwemali ebhange yimisebenzi lapho ibhange licelwa ukuthi lithumele inani elithile lemali kwi-akhawunti yomuntu wesithathu okungenzeka ukuthi akekho noma ongekho ebhange elifanayo. Akunakwenzeka ukuthi umsebenzisi asheshise inqubo yokudlulisa, kepha kungenzeka ukuthi azi izinto ezibalulekile ezizokwenza ukuthi kuncishiswe isikhathi sokuthengiselana ngokukhetha usuku, isikhathi, indawo nomzila azonquma ngawo. ukwenza lo msebenzi.

Yiziphi izinhlobo zokudluliswa ezikhona?

Ukudluliswa kungahlukaniswa ngaphansi kwezinqubo ezahlukene, konke kuye ngesikhathi sakho sokuhola

  • Okuvamile
  • Kuyaphuthuma.

Okunye ukudluliswa kwamabhange okucacile yilokho okusebenzisa ama-akhawunti ezinhlangano eziseBhange LaseSpain elaziwa njenge-Orders of Movements of Funds (OMF).

Yize lolu hlobo lwemisebenzi yasebhange noma ye-interbank lusetshenziswa kaningi futhi lwenziwa iningi labasebenzisi abanama-akhawunti asebhange, kungenzeka ukuthi lungadala ukudideka kusukela ngosuku lokwenziwa okufanayo noma isikhathi asicaci ngokuphelele. kuzothatha ukufinyelela i-akhawunti yendawo.

Singathola okulandelayo ngezigaba zokudluliswa Ngokubheka inqubo yezindawo, izindlela okhishwa ngazo umyalo wokudlulisa noma uhlobo esilucela ukudlulisa imali lisuka kwenye i-akhawunti liye kwelinye.

Ukuhlukaniswa kwendawo

Leli qembu lisebenzelana nezwe elibhekela kulo izimali ngokusho kokuhlala kwe-akhawunti yokuhlola indawo. Kulesi sigaba ungathola:

i-spain yokudlulisa ibhange

  • Ukudluliselwa kazwelonke: Lowo othumela njengomzuzi otholayo useSpain.
  • Ukudluliselwa kwamanye amazwe: Labo lapho umzuzi ekwelinye izwe.

Ngaphezu kwalesi sigaba, kukhona nokudluliswa phakathi kwe- isikwele esifanayo okungukudluliselwa kukazwelonke phakathi kwendawo efanayo futhi ukudluliselwa endaweni ehlukile: phakathi kwamadolobha amabili.

Ukudluliswa okwenziwe mathupha kusuka ku- igatsha. 

 Ukwahlukaniswa kokudluliswa ngokwendlela eyalelwe ngayo:

  • Idlulisela ngokusebenzisa ATM.
  • Ukudluliswa okwenziwe ngu inombolo yocingo o ifeksi.
  • Ukudluliselwa nge Internet.

Okwesikhathi esithatha ukuthi izimali zifakwe kwi-akhawunti yendawo:

  • Ukudluliselwa ejwayelekile: Phakathi kosuku olulodwa noma ezimbili zebhizinisi, konke kuncike emithethweni yamanje.
  • Ukudluliselwa okuphuthumayo: Bafakwa ku-akhawunti yendawo okuyiwa kuyo ngosuku olufanayo.

Ukudluliswa okuphuthumayo kubonakaliswa ngokuba yi-OMF (ama-oda wokuhamba kwemali).

Kuthatha isikhathi esingakanani ukufika?

Ithuba lobude bokudluliswa kwehluka kakhulu esikhathini salo ngoba lisuka ngosuku olufanayo lapho kwenziwa khona umsebenzi kuze kube yizinsuku kamuva.

Ngokuvamile, futhi lokhu kusuka ekuqaleni kokusebenza kwe- Indawo Yokukhokha Eyodwa ngama-Euro owaziwa ngokuthi SEPA, Ukudluliswa kukazwelonke okwenziwe ngama-euro nokudluliswa komhlaba okuqondiswe emazweni angaphansi kwesikhala saseYurophu, bane- isikhathi esiphezulu sosuku olulodwa lwebhizinisi.

Ngaphambili, isikhathi esiphezulu sokudluliswa kwamabhange kwakuyizinsuku ezi-3 zebhizinisi zokudluliselwa ngaphandle kweSpain nezinsuku zebhizinisi ezi-2 kulabo abaqhamuka futhi batholwa kuma-akhawunti aseSpain afanele.

Ukudluliswa kusuka ebhange elilodwa kuya kwelinye kuthatha isikhathi esingakanani?

Uma bevela ebhange elifanayo, usuku olulodwa lwebhizinisi; kepha uma yehlukile, kungathatha izinsuku ezi-3, ngaphandle uma kuphuthuma lapho kungathatha khona izinsuku eziyi-1-2 ubuningi. Kunoma ikuphi, uma kuthatha izinsuku ezingaphezu kwezingu-3 zebhizinisi, kufanele uxhumane nomuntu onikeze i-oda lokudlulisa leyo mali.

Ukufika kufika nini ngoLwesihlanu?

Kuzoncika ekutheni i-akhawunti yendawo okuyiwa kuyo ngeyebhange elilodwa noma kwelinye yini: esimweni sokuqala ibizofika ngalolo suku olufanayo, kepha uma kungenjalo bekuzoba ngoMsombuluko noma ngoLwesithathu ekugcineni. Kunoma ikuphi, kufanele wazi ukuthi kwamanye amabhange ukudluliselwa ezinsukwini ezedlule akuvamile ukwenziwa kusebenze kuze kube yi-10 ekuseni.

khipha ukudluliselwa

Izinsuku zebhizinisi

Yebo, zingaqondakala njengezinsuku zokuvula ezentengiselwano lapho Uhlelo lokukhokha lwaseYurophu (Okuqondiwe).

Ukuze wazi izinsuku zebhizinisi, kufanele ubale izinsuku zokuvula zebhizinisi lapho uhlelo lungavaliwe TARGET kufanele ucabangele: Nsuku zonke ngaphandle kweMigqibelo namaSonto namaholide: Unyaka Omusha, ULwesihlanu Omuhle, UMsombuluko WePhasika, Meyi 1, noDisemba 25 no-26.

 Uma sibheka lezo zinsuku, singabona ngendlela eshesha kakhulu futhi elula lokho abantu abaningi asebevele bekwazi: ULwesihlanu wusuku olungafaneleki neze ukwenza imisebenzi yasebhange yalolu hlobo uma ufuna ukuthi iboniswe ngejubane.

Kunoma ikuphi, kungashiwo ukuthi kukhona okuhlukile, njengoba kungaba njalo nge ukudluliswa okuvamile okusheshayo njengoba konke kungukusebenza okwenziwa phakathi kwama-akhawunti amabili ebhange elilodwa, le misebenzi kungathiwa yenzeka ngokushesha kusukela ukudluliswa kwangaphakathi kumane nje kufakwa okulula kwe-accounting kwebhizinisi.

Zonke izinhlangano zine- ihora elichazwe njenge "hora lokusika" futhi uma wenza izikhathi zokudlulisa ngemuva kwalesi sikhathi, kuzobhekwa njengokutholwa ngosuku olulandelayo lwebhizinisi.

Ngokunikezwe lokhu, kubaluleke kakhulu ukubheka lesi sikhathi, ngoba, uma wenza ukudlulisa ngaphambi noma ngemuva kwalesi sikhathi, kuzothatha usuku lwebhizinisi olungu-1 ngaphezulu noma ngaphansi.

Ngemuva kwakho konke lokhu okukhulunyiwe, kungenzeka ukuthi ucabange ukuthi ngabe kungenzeka yini ukwedlulisela kwelinye ibhange kepha ukuthi ikhiphe i-oda ngosuku olufanayo noma ngaso leso sikhathi futhi okuwukuphela kwendlela ongayisebenzisa yile Ukudluliswa kwe-OMF.

Ukudluliselwa okusheshayo ngeBhange laseSpain

Ngaphandle kweqiniso lokuthi ngoMthetho Wamuva Wezinsizakalo Zokukhokha, ukudluliswa okujwayelekile kukhokhwa kumahora webhizinisi angama-24, maningi amathuba okuthi ungaba nesidingo sokwenza ukudluliswa okuphuthumayo kusuka kwi-akhawunti eyodwa kuya kwenye ngesidingo sokuthi inani lemali likhokhwe ngosuku olufanayo.

Thayipha ukudluliswa I-oda lokuhamba kwemali Bangabizwa futhi ngokudluliswa nge-Bank of Spain, banomehluko wabo omkhulu kanye nenzuzo yokuthi bakhokhelwa ngosuku olufanayo nalolo okwenziwa ngalo lo msebenzi.

ukukhishwa kokudluliswa

Ukukhipha lolu hlobo lokudluliswa, kuyadingeka ukuthi ibhizinisi libe ne-akhawunti nebhange laseSpain ngoba kwenziwa ngalo (Ngendlela efanayo, ibhange laseSpain yilona elinikeza igama igama imisebenzi).

Bayashesha kepha phakathi kwezithiyo zabo ezingaba khona ngingaqhakambisa ubunzima bokuzikhansela, ngendlela efanayo izindleko eziphakeme zazo, noma ukuthi bangenza kuphela ngesikhathi sokusebenza kwebhange laseSpain, ngakho-ke kuyalulekwa ukubuza nokuxhumana nazo zonke izimo ezidingekayo ukwenza le misebenzi.

Kunezici ezi-4 eziyinhloko ezibhekene nokuchazwa kwesikhathi sokubambezeleka komsebenzi: usuku, isikhathi, umzila (ngogesi noma ngomuntu) nendawo. Kusukela ngoJanuwari 2012, umthetho ubeka ukuthi ukudluliswa okuphoqelekile kwe-elekthronikhi kumele kwenziwe kungakadluli ukuphela kosuku lwebhizinisi olulandela i-oda.

Kufanele futhi uphenye isikhathi lapho ibhange lakho selibeke eyakho "Isikhathi sokunquma" ngokudluliswa kwakho ngokusebenzisa izindlela zedijithali noma zocingo ngoba lokhu kusho isikhathi lapho isikhungo sakho sebhange sibheka noma yimuphi umyalo otholwe ngosuku olulandelayo lwebhizinisi.

Imvamisa amahora wokunquma ngokusho kwe-OCU yokudluliswa kwe-elekthronikhi:

  • ILa Caixa 11.00 h IBarcelona
  • Evo Bank 14.00:XNUMX pm A Coruña
  • Unoe 15.00:XNUMX pm iMadrid
  • I-OpenBank 16.30 pm Madrid
  • I-ActivoBank 17.00:XNUMX pm uSabadell
  • iBanesto 18.00:XNUMX pm IMadrid
  • I-Bankinter ngo-18.30 ntambama eMadrid
  • ING Direct 19.30pm Madrid
  • IBanco Pastor 20.00 h A Coruña

Lawa namanye amashejuli yilokho okufanele ucabangele lapho wenza ukudluliswa ngoba ngesikhathi sakho sendawo ungahle ube nesikhathi ngaphambi kokunqunywa kodwa kwesinye isifunda, usuku luphelile futhi ulahlekelwe usuku lonke.

Ukwenza ukudluliselwa, indawo lapho sidlulisa khona futhi lapho sithumela khona imali kungathinta isikhathi sokusebenza ngoba kufanele ucabangele amaholide asendaweni, uthole ukuthi ngabe usuku lwebhizinisi noma cha. Lokhu kusebenza noma ngabe udlulisele ku-inthanethi noma uma sinikeze i-oda evela ehhovisi.

Ekugcineni, into engcono kakhulu ongayenza ukugwema amaholide nama-eve futhi ucele nokudluliselwa ebhange ekuseni. Futhi ukwenza umsebenzi, kuzobangcono futhi ukusebenza namabhange angakhokhisi imali yokudlulisa:

  • I-Akhawunti ye-EVO Smart. Ayikhokhisi imali yokudlulisa futhi inikeza inzuzo. Ikuvumela ukuthi ukhiphe imali yamahhala kunoma iyiphi i-ATM emhlabeni.
  • Ama-Triode Akhawunti Wamanje. Ukuhola amabhange eYurophu kunikeza ukudluliselwa kwamahhala okuyisihlanu ngenyanga ku-akhawunti yakho. Kusukela kwelesithupha, izindleko zalowo nalowo kuzoba yi-1 euro.
  • Vula i-Akhawunti Yokukhokha. Ibhange lakwaSantander online alikhokhisi amakhomishini nawo.
  • I-Akhawunti Yokunwetshwa kweBanc Sabadell. Ngokuqondisa ukukhokhelwa eSabadell, iklayenti likhululekile ekukhokheni amakhomishini wokudluliselwa kukazwelonke nase-European Union ngemali efinyelela kuma-euro angama-50.000.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.

  1.   Pedro kusho

    Sawubona okuhle, uma ngoLwesine 5 bangenzele imali yokudlulisa, ngoba kunguLwesihlanu ukuthi kuyiholide, ibizofika ngoMsombuluko