Yini i-SEPA futhi yenzelwe ini?

SEPA

Kungenzeka ukuthi ngezikhathi ezingaphezu kwesisodwa, ulizwile igama elithi SEPA kepha esikhundleni salokho awazi kahle ukuthi imayelana nani. Kungokwemvelo, ngoba lolu hlobo lolwazi, ngeshwa, aluvamile ukunikezwa ngokuluhlaza okwesibhakabhaka kumakhasimende ezinhlangano zebhange futhi aluqondakali ngempela ngoba luyinto ebaluleke kakhulu. Futhi lokhu kungaba nomthelela omubi kumuntu othintekayo ngoba abakwazi ukujabulela inzuzo ngokugcwele. Ngalesi sizathu futhi ukuze ube nemininingwane ebanzi ngalolu daba, kulokhu okuthunyelwe uzokwazi ukuthi kuyini nokuthi kwenzelwe ini.

Konke abantu bane-akhawunti eyodwa noma amaningi asebhange. Lokhu kwenzeke amashumi eminyaka sibonga izikhungo ezithintekayo ekukhokhiseni ngqo kusuka lapho ngaphandle kwesidingo sokuba nemali ebonakalayo. Lokhu-ke kusiza ekunciphiseni ukubanjwa inkunzi komuntu nomuntu, yize kungenzeka ngokusobala ukuthi nebhange ngokwalo libanjwe inkunzi; uma kunjalo ngeke ulahlekelwe yimali ngoba uyiqinisekisile.
Lokhu ngokungangabazeki kungenye yezinto ezinhle kakhulu ze amabhange, ngoba okungenani ngalowo mqondo ikunikeza cishe isiqinisekiso esingu-100%.

Noma kunjalo, kukhona okunye izici ezibalulekile ukuthi abachazeli amaklayenti abo futhi lokhu kungathinta kabi izintshisekelo zabo, ngaphezu kweqiniso lokuthi kuya ngokuthi yiziphi izenzo ofuna ukuzenza, uma ungazi ukuthi ziyini nezinqubo okufanele zenziwe, uzokwenza angikwazi ukuqhubeka nokusebenza.

Esinye sezibonelo ezicacile zalesi simo kungaba igama elithi SEPA, Yize le nsizakalo isebenza kuwo wonke umuntu, hhayi wonke umuntu uyazi ukuthi imayelana nani.

Yini i-SEPA?

yini ukwazi

Ukwazi ukuthi yini i-SEPA kuzobaluleka kuzintshisekelo zakho ngoba ngale ndlela uzokwazi ukwazi kahle kakhulu izinzuzo ezinikezwa yibhange lakho lamanje.

I-SEPA isifinyezo se-Single European Payments Area noma i-Unique Zone of Payments ngama-Euro ngeSpanish, futhi kuyisinyathelo se-European Banking Industry esivela eMkhandlwini wase-Europe osekelwa yi-European Commission, oHulumeni namaBhange Aphakathi emazweni abaluleke kakhulu ase-Europe.

In pocas palabras, I-SEPA iza ithi bonke labo abasendaweni yaseYurophu kungakhathalekile ukuthi bangumuntu wemvelo yini, ibhizinisi noma inkampani, ingathola futhi ikhokhe ngezimo ezifananayo kungakhathalekile ukuthi lezo zinkokhelo noma ukudluliswa kudinge yini inqubo yemingcele phakathi kwamazwe ahlukene akhona.

Indawo ye-SEPA yakhiwe ngamazwe angama-27 e-European Union engeza futhi amazwe anjengeSwitzerland, iMonaco, iNorway, i-Iceland noma iLiechtenstein (ayifaki i-Andorra), okuyiyo, yize ingahlanganisiwe ngokusemthethweni kwi-EU, inemibandela efanayo.

Le ncazelo ikhombisa ukubaluleka kokwazi lesi sici sasebhange ngoba, okubaluleke kakhulu, ngeke ukwazi ukwenza noma yiluphi uhlobo lwentengiselwano noma lokudlulisa ngoba ngeke wazi zonke izinyathelo eziphansi zokwenza lo msebenzi, ngoba kokunye okunzima kakhulu izici yibhange ngokwalo elenza amalungiselelo afanele ukugwema ukuphathwa yikhanda okukhulu kweklayenti.

Ngabe i-SEPA (Indawo Yokukhokha Eyodwa ngama-Euro) ithinta kanjani uma uyikhasimende lasebhange?

Njengoba ubonile phambilini, lesi sinyathelo siyasiza Amazwe angama-32 akha i-SEPA (Amazwe angama-27 e-European Union namanye amazwe angama-5 angeziwe esivumelwaneni), kusiza kokubili izinkokhelo namaqoqo anezimo ezifanayo kungakhathalekile izwe okukhulunywa ngalo.

Futhi, lokhu kusiza ukuthi izinkokhelo zombuso nezamazwe omhlaba (amazwe akha i-SEPA), kulula kakhulu ukuzenza, ngokungafani naphambi kwalesi sivumelwano konke kwakunzima kakhulu.

Ngaphezu kwalokho, ngenxa yalolu hlelo, kunezinzuzo ezithile ebezingakaze zibe khona lapho ukhokha, futhi ziyizinto ezinjengalezi:

  • Ungaba ne-akhawunti eyodwa yokwenza izinkokhelo

Ngenxa yalesi sivumelwano, noma ngubani angaba ne-akhawunti eyingqayizivele ukwenza izinkokhelo ngama-euro phakathi kwamazwe ahlanganisiwe we-SEPA, ngale ndlela kunenkululeko eyengeziwe yokuhamba

  • Ukuthuthuka kutholakala ezinkambisweni zokukhokha

Ngenxa yalokhu kuthuthukiswa kufayela le- izinqubo zokukhokha, abasebenzisi bangakhetha izindlela eziningana ezingahle zisebenzise izindlela zokukhokhelwa, njengokusebenzisa ikhadi le-elektroniki, kusuka kuselula noma ukuthola i-invoyisi kagesi. Esikhathini esedlule izinqubo bezihamba kancane kakhulu futhi, vele, bezingekho izindlela eziningi zokukhokha ezifinyelelekayo.

  • Ukuphepha okukhulu

Ngenxa yendawo ye-SEPA, wonke amazwe angamalungu angakujabulela ukuvikeleka okukhulu ekukhokheni kwawo, ngokugwema noma yikuphi ukungqubuzana okungase kuvele; iqiniso elithakazelisayo okufanele ulicabangele ngoba, ngemuva kwakho konke, kunamaphesenti aphezulu eziqinisekiso.

  • Ukuqedwa kwezithiyo zokukhokha zomhlaba wonke

Ngenxa yesivumelwano esikhona phakathi kwamazwe angamalungu e-SEPA, izithiyo ezikhokhweni zamazwe omhlaba ezazikhona azisasebenzi futhi cishe kukhona inkululeko ephelele.

  • Izinto zokukhokha ezithintekile

Uma kwenzeka ufuna ukwazi ukuthi zingaki izinto zokukhokha ezithintekile kukhona ezine:

  • Amakhadi asebhange wamanje
  • Izikweletu eziqondile zithatha izikweletu zamanje eziqondile zaseSpain
  • Ukudluliswa okuthathelwa indawo ukudluliswa kwamanje kwasekhaya
  • Ama-akhawunti asebhange amanje anekhodi entsha ebizwa nge-IBAN

Izinguquko kuzinto zokukhokha

uyazi ukuthi kuyini

Ngenxa yesivumelwano se-SEPA phakathi kwamazwe angamalungu, kunezinguquko kuzinto zokukhokha futhi yilezi:

  • Ukudluliswa: konke ukudluliselwa kwebhange kwenziwa nge-BIC noma i-IBAN.
  • Amakhadi: enye yezindaba ezithakazelisa kakhulu mayelana namakhadi wesikweletu nawasebhange yi-chip eyakhelwe ngaphakathi ebizwa nge-EMV. Amabhizinisi amaningi aseSpain asevele enalesi sici sokwenza ukukhokhiswa kwenye i-chip eyakhelwe ngaphakathi ebizwa nge-POS, okubonga kuyo ukukhokha kuphephe ngoba akwenziwa ngokusayinwa kepha kwenziwa nge-PIN yekhadi uqobo.
  • Ama-oda wedebithi aqondile: ama-oda wedebithi aqondile ayefana nanamuhla; Ukuze ibhizinisi likhokhise i-akhawunti yasebhange, kufanele lenze kanjalo ngegunya elivelile lomnikazi, ngesici esihlukile kuye ngecala. Isibonelo, ukuze ibhizinisi libuyisele inani elinezinsuku zebhizinisi eziyi-10, izinyanga eziyi-13 ngokulungiswa okungalungile komsebenzi noma amasonto ayi-8 ukubuyisa amarisidi agunyaziwe.

Yini i-IBAN ne-BIC?

Ukubheka lokho I-IBAN ne-BIC zinokuningi okuphathelene nesivumelwano se-SEPASizokunikeza incazelo yayo ukuze, uma uceliwe, wazi ukuthi yini ngaso sonke isikhathi.

  • I-IBAN: Yisihlonzi sawo wonke ama-akhawunti asebhange, okusho ukuthi, lapho wenza ukuthengiselana, bazokwazi ukuthi nge-akhawunti kabani ngenxa yale khodi futhi ngamadijithi ama-4 ekuqaleni kwe-akhawunti yasebhange, uma kwenzeka iSpain okuthile okufana nalokhu: ES00.
  • I-BIC: yisikhombi sasebhange sokudluliswa komhlaba. Ibhange ngalinye lineyalo. Ukuze uthole ukuqondiswa, ikhodi izobukeka kanjena: INGDESHHUYYY.

Ngabe i-SEPA Inikeza Ngempela Izinzuzo?

Ngenxa yesivumelwano esikhona ne-SEPA, kukhona izinzuzo zangempela, ngoba ukuthengiselana kwamazwe angaphambilini, kungakhathalekile ukuthi kwakukuliphi izwe, kunezindleko eziphakeme nokuvikeleka okuncane kokuthengiselana.

Manje usungadlulisela eFrance, eHolland, eJalimane, e-United Kingdom ... ngaphandle kokubangela inkinga enkulu noma izindleko eziningi ekusebenzeni.

Isiphetho

Ukuphetha, sizokwenza isifinyezo esifushane ukuze yonke imiqondo oyifundile kulokhu okuthunyelwe ingakhohlwa futhi ungathola imali noma udlulise amabhange ngaphandle kwenkinga.

Yini i-SEPA?: yisivumelwano esikhona phakathi kwawo wonke amazwe e-European Union (27) namanye amazwe ayi-5 angewona awe-EU (iSwitzerland, iMonaco, iNorway, i-Iceland noma iLiechtenstein engafaki i-Andorra) ukwazi ukudlulisa amabhange nokuthola imali nge inkululeko ephelele nokuvikeleka. Ngenxa yalokhu, kube nezinguquko ezehlukile lapho kwenziwa ukuthengiselana okuvuna cishe i-100% yezokuphepha ngoba izinkokhelo zingenziwa ngamadijithi noma amakhadi esikweletu ngekhodi ye-POS futhi kukhona nezinye izikhombi ezimbili ngaphakathi kwe-akhawunti yasebhange, i-BIC ne-IBAN.

Yini i-BIC?: yikhodi ekhomba ibhange lokudluliselwa kukazwelonke futhi ngayinye inezayo. Ukuthola ikhodi yebhange lakho ungayibuza ngqo egatsheni noma kuwebhusayithi yalo.

Yini i-IBAN?: Lesi yisikhombi wonke ama-akhawunti asebhange anaso njengamanje. Kuyindlela yokuthola ukuthi imali noma ukudluliswa kuvela kuliphi izwe. Le khodi entsha isekuqaleni kwenombolo ye-akhawunti yasebhange. Ukuthola ukuthi iyiphi eyakho, kufanele uzihlolele incwadi yakho yamapasi noma ubuze ibhange ngqo.

Manje njengoba usuyazi ukuthi yini i-SEPA, zisebenzise ngokunenzuzo izinzuzo futhi ube nenkululeko ethe xaxa yezezimali emhlabeni jikelele.


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.   sifiso2015 kusho

    Ngemuva kwethemu elisemthethweni, izinkampani eziningi zisafuna indlela yokuzivumelanisa nale mithethonqubo ngokushesha okukhulu. Izinhlelo ze-District K sezivele zifaka amandla okuphatha izinkokhelo ngaphansi kwe-SEPA, ngakho-ke inkinga ixazululwa ngaphandle kokuhlelwa kabusha okunzima noma ukuguqulwa.