I-oda lokukhokha: Iyini, inikezwa nini

Uhlobo lwe-oda lokukhokha

Wake wezwa nge-oda lemali? Uyazi kahle ukuthi sikhuluma ngani? Yigama esilisebenzisa cishe zonke izinsuku., nakuba singasho ngomlomo, kodwa ngemisebenzi ethile, uyasho.

Kodwa uthini umyalelo wokukhokha? Inikezwa nini? Kwenzelweni? Konke nokunye okuningi yilokho esizokhuluma ngakho ngokulandelayo.

Uyini umyalelo wokukhokha

umyalelo wokukhokha

I-oda lokukhokha lingachazwa ngokuthi a isibopho esinikezwe ibhange ukukhokha inani elithile kumuntu wesithathu (ngokomzimba noma ngokomthetho).

Ngamanye amagama, Ziyimiyalelo okumele umnikazi we-akhawunti ayinikeze ibhange ukuze liqhubeke nokuthumela imali kwelinye umuntu wesithathu, umuntu osemthethweni, inkampani noma isikhungo.

Eqinisweni, kufana ne-a indlela yokuqinisekisa ukuthumela imali kwabanye abantu, inqobo nje uma izimfuneko ezithile zifinyelelwa.

Ngabe i-oda lokukhokha lisebenza kanjani?

Ukusebenza kwe-oda lokukhokha

Njengamanje kungenzeka ukuthi ucabanga ukuthi i-oda lokukhokha lifana nalona owunikezayo uma ukhokha ngekhadi lakho futhi ibhange likucela ukuthi ukhokhele lokho kuthenga kuselula yakho. Y iqiniso liwukuthi ubungeke uphambuke.

Umyalelo wokukhokha wenziwa ngezigaba ezimbili:

Esigabeni sokuqala, ibhange kufanele lamukele futhi licubungule ukukhishwa komyalelo wokukhokha. Kodwa ukwenza kanjalo, udinga ukuhlola ulwazi kuqala. Phakathi kwedatha ezocelwa kuyoba: idatha yomkhokhi kanye nomqoqi, okungukuthi, ubani othumela imali noyitholayo; inani lemali, faka kokubili izinombolo kanye nezinhlamvu; uhlobo lwemali okufanele ukudluliselwa ngalo; imininingwane yasebhange kanye nenombolo ye-akhawunti, kungaba BIC noma SWIFT. Ngaphezu kwalokho, kuzoba nekhodi ekhethekile uma imali etholiwe inkulu kune-12.500 euros.

Uma konke kuhamba kahle, ibhange lithumela imali emabhange omunye umuntu. Kodwa ungamniki lowo muntu okwamanje.

Isigaba sesibili siqala lapho amabhange amukelayo eseyitholile imali. Baphinde bahlole yonke into futhi, uma ilungile, ohlomulayo uyahlonishwa.

Obani ababambiqhaza bomyalelo wokukhokha

Khokha i-oda

Njengoba kunikezwe konke lokhu okungenhla, akungabazeki ukuthi ama-ejenti amaningana ayasebenza lapho enza umyalo wokukhokha. Kepha, uma ukwazi ukuthi ziyini, lapha uzoba nesifinyezo:

  • umkhokhi. Ngumuntu okufanele athumele imali komunye umuntu, inkampani, inhlangano... Lo muntu kufanele aye ebhange lakhe ukuze enze lo myalelo ngokusemthethweni futhi ngaleyo ndlela aqinisekise ukuthunyelwa kwemali.
  • Ibhange elikhiphayo. Iyona ezobe iphethe ukuthumela imali, idonswe ku-akhawunti yekhasimende layo, okuyilona elikhokhayo, bese idlulisela ebhange elamukelayo lomzuzi. Leli bhange lingafana nelomuntu okhokhayo noma cha. Kule sevisi, ibhange likhokhisa uchungechunge lwezindleko namakhomishini.
  • Ibhange elamukelayo. Yiwona ophethe ukwamukela izimali kanye nokuqinisekisa ukuthi konke kulungile ngaphambi kokuyikhokha ku-akhawunti yomuntu ohlomulayo. Ngokulandelayo, lokhu kungaholela ochungechungeni lwamakhomishini kuklayenti lakho, kanye nezindleko.
  • Umhlomuli.  Ungumuntu othola imali ku-akhawunti yakhe futhi angayisebenzisela noma yini ayifunayo.

Iziphi izinzuzo esinazo

Kungenzeka ukuthi awukaziboni izinzuzo, kodwa iqiniso liwukuthi zikhona futhi kukhona eziningana. Kafushane, singakutshela ukuthi izinzuzo ze-oda lokukhokha yilezi:

  • Shesha kakhulu. Ngoba phakathi kokuthumela nokwamukela, inqubo ingathatha phakathi kwamahora webhizinisi angama-24 nangama-48.
  • Ungakhokha nganoma yiluphi uhlobo lwemali. Njengoba sesikutshelile, enye yedatha ibhange elizokucela yona uma uyokwenza ngokusemthethweni umyalelo wokukhokha ukuthi ulitshele ukuthi ufuna yenziwe ngaluphi uhlobo lwemali. Lokhu kusiza kakhulu ekuhwebeni nasekukwazini ukwenza ukuthengiselana emhlabeni wonke.
  • Sikhuluma ngendlela ephephile. Futhi iphephile ngoba isebenza ngamabhange futhi yiwo aqinisekisa ukuhamba kwemali nokuphepha kwayo.

Akukuhle kangako

Naphezu kwazo zonke izinzuzo ezinikezwa yi-oda lokukhokha, asikwazi ukukhohlwa ukuthi kukhona nokungahambi kahle. Futhi yilokho ukwenza lokhu kufanele ukhokhe uchungechunge lwezindleko emabhange Yini okufanele ibhekwe.

Ngakolunye uhlangothi, yizindleko ze-SHA ezizokwabiwa kwakho kokubili. Ngakolunye uhlangothi, banjalo Izindleko ze-BEN, ezizokhokhwa ngokwehlukana ngakunye njengoba kunqunywe ibhange lakho.

Futhi, Okunye okungalungile ngeqembu eli-odayo ukuthi akunakuqinisekiswa ukuthi uzothola okuthengiswayo. oyithengile (noma ukwenza isevisi) futhi, ngakolunye uhlangothi, i-oda lizocutshungulwa.

Yiziphi izinhlobo ze-oda lokukhokha ezingaba khona

Njengamanje, kunemiyalo emibili yokukhokha ecutshungulwa ngendlela efanayo.

ukudluliswa okukodwa

Lokhu kuvame kakhulu futhi kwenziwa cishe kuzo zonke izimo.yebo Iqukethe kulokho umkhokhi uvumela ibhange ukuthi lifinyelele ku-akhawunti yakhe ukuze likhiphe inani lemali okudingekayo ukuze kwenziwe ukudlulisa.

Ukuze wenze lokhu, lokhu kufanele kwenziwe, kungaba mathupha ehhovisi lebhange lakho, noma nge-elekthronikhi kuwebhusayithi yebhange lakho, ngaphakathi kwalokho okungaba yi-akhawunti yakho yomuntu siqu (noma yebhizinisi).

Ukudlulisa ifayela

Lapho kufanele wenze izinkokhelo eziningi kubazuzi, isibonelo endabeni yenkampani enama-payroll ambalwa wabasebenzi noma okumele ikhokhele abahlinzeki abahlukene, ukudluliswa kwenziwa ngamafayili.

Lokhu kuyashesha ngoba ngedokhumenti eyodwa ungaphatha inombolo enkulu yama-oda yokukhokha.

Kubizwa kanjalo ngoba okwenziwa ngumkhokhi ukulungisa ifayela angakwazi ngalo ukusungula inani lemali yomuntu ngamunye ohlomulayo, kanye nemali okufanele yenziwe ngayo, ibhange, njll.

Njengoba ubona, i-oda lokukhokha likhona kakhulu osukwini lwethu nosuku kunokuba ungacabanga ngesikhathi esithile. Ingabe unokungabaza okuthile? Kushiye kuma comments sizozama ukukuphendula.


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

Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe.

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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.