Editocin Sharhi
Matsayin bankuna mafi arha a Faransa: Zaɓin bankin ku wani abu ne da ke damun ku na dogon lokaci! Don haka buƙatar yin tunani a hankali kafin yin aiki. Musamman tunda yana da ɗan taƙaitawa don canza bankuna. Ba abu ne mai sauƙi a sami bankin da ya dace ba. A cikin wannan daji na farashin, sau da yawa dole ne ku yi lissafin bukatunku da halayen ku na banki don fitar da mafi daidaitattun jeri.
Cajin banki muhimmin ma'auni ne lokacin zabar mafi kyawun banki. Idan aka yi la’akari da kuɗaɗen canjin kuɗi daga wannan banki zuwa wancan, mun yanke shawarar tsara wannan rarrabuwa don taimaka muku Nemo mafi arha bankuna a Faransa don shekara ta 2022. Ku sani cewa zabar banki Mafi arha zai iya ceton ku fiye da 240 € a kowace shekara!
Table na abubuwan ciki
Matsayin bankunan mafi arha a cikin 2022
Ga jerin bankunan da ke da mafi ƙarancin cajin banki a cikin 2022:
| jere | Bank | Kudin shekara -shekara |
|---|---|---|
| 1er | Boursorama Bank € 80 a bude | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo € 80 a buɗe | 27,98 € |
| 4e | Bankin Banki | 40,28 € |
| 5e | Orange Bank € 80 a buɗe | 49,43 € |
| 6e | Macif | 87,87 € |
| 7e | Babban bankin AXA | 93,78 € |
| 8e | Hello Bank | 100,48 € |
| 9e | Kirkirar Haɗin Kai | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| ƙarya | Allianz Bank | 134,59 € |
| 12e | Credit Agricole Normandy-Seine | 139,95 € |
| 13e | Monabanq € 160 a buɗe | 144,23 € |
| 14e | Credit Agricole Touraine Poitou | 144,69 € |
| 15e | Gidan waya | 145,41 € |
| 16e | Credit Agricole Ile-de-Faransa | 146,28 € |
| 17e | Cibiyar Credit Agricole-Ouest | 147,43 € |
| 18e | Cibiyar Credit Agricole- Gabas | 147,97 € |
| 19e | Faransa Guiana-Mayotte-COM | 148,56 € |
| 19e | Guadeloupe-Martinique-Taron | 148,56 € |
| 21e | Groupama Bank | 149,13 € |
| 22e | Caisse d'Epargne Loire Drôme Ardèche | 150,09 € |
| 23e | Credit Agricole Charente-Maritime Deux-Sevres | 151,58 € |
| 24e | Credit Agricole Reunion | 151,60 € |
| 25e | Credit Agricole Atlantic Vendee | 151,97 € |
| 26e | Cibiyar Credit Agricole Loire | 152,11 € |
| 27e | Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Credit Agricole Aquitaine | 156,83 € |
| 29e | Credit Agricole Provence Cote d'Azur | 157,09 € |
| 30e | Credit Agricole Franche-Comte | 159,63 € |
| 31e | Credit Agricole Arewacin Faransa | 161,81 € |
| 32e | Credit Agricole Normandy | 162,97 € |
| 33e | Credit Agricole Alsace Vosges | 165,54 € |
| 34e | Crédit Agricole Toulouse 31 | 165,67 € |
| 35e | Caisse d'Epargne Grand Est Turai | 165,84 € |
| 36e | Credit Mutuel Ocean | 166,66 € |
| 37e | Credit Agricole Savoie | 166,80 € |
| 38e | Caisse d'Epargne Loire-Centre | 167,31 € |
| 39e | Credit Agricole Charente-Perigord | 167,91 € |
| 40e | Credit Agricole Ille-et-Vilaine | 167,96 € |
| 41e | Credit Agricole Cotes d'Armor | 168,23 € |
| 42e | Credit Agricole Pyrenees Gascony | 168,33 € |
| 43e | Credit Agricole Languedoc | 168,58 € |
| 44e | Credit Agricole Alpes Provence | 169,61 € |
| 45e | Babban darajar Maritime Grand Ouest | 169,77 € |
| 46e | Bankin Jama'a Great West | 170,67 € |
| 47e | Cibiyar Credit Mutuel Gabashin Turai | 171,50 € |
| 47e | Cibiyar Mutuel Credit | 171,50 € |
| 47e | Credit Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | Credit Mutuel Mediterranean | 171,50 € |
| 47e | Credit Mutuel South East | 171,50 € |
| 47e | Credit Mutuel Savoie-Mont Blanc | 171,50 € |
| 47e | Credit Mutuel Anjou | 171,50 € |
| 47e | Credit Mutuel Ile-de-Faransa | 171,50 € |
| 47e | Credit Mutuel Loire-Atlantique, Cibiyar Yamma | 171,50 € |
| 56e | Caisse d'Epargne Ile-de-Faransa | 171,67 € |
| 57e | Credit Agricole North East | 172,59 € |
| 58e | Crédit Agricole Sud Rhône Alpes | 173,92 € |
| 59e | Banque Populaire Alsace Lorraine Champagne | 174,17 € |
| 60e | Credit Mutuel Midi-Atlantique | 174,75 € |
| 61e | Credit Agricole Val de France | 174,76 € |
| 62e | Caisse d'Epargne Aquitaine Poitou-Charentes | 175,70 € |
| 63e | CIC | 177,20 € |
| 64e | Credit Mutuel Normandy | 177,50 € |
| 65e | Caisse d'Epargne Languedoc-Roussillon | 177,56 € |
| 66e | Credit Mutuel Antilles-Guyane | 178,53 € |
| 67e | Credit Agricole Brie Picardy | 178,96 € |
| 68e | Caisse d'Epargne Hauts de France | 179,46 € |
| 69e | Credit Mutuel Sud-Ouest | 179,60 € |
| 69e | Normandy Savings Bank | 179,60 € |
| 71e | Credit Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | Kyautar Mutuel Massif Tsakiya | 180,83 € |
| 74e | Credit Agricole Champagne-Bourgogne | 180,86 € |
| 75e | Credit Agricole Lorraine | 181,03 € |
| 76e | Credit Agricole Nord Midi-Pyrenees | 181,30 € |
| 77e | Auvergne da Limousin Savings Bank | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Crédit Agricole Kudancin Bahar Rum | 181,65 € |
| 80e | Chalus Bank | 181,79 € |
| 81e | Credit Agricole Corsica | 183,57 € |
| 82e | BPCOI Mayotte | 184,72 € |
| 82e | Taron BPCOIfrom | 184,72 € |
| 84e | Caisse d'Epargne Provence-Alpes-Corsica | 184,73 € |
| 84e | Caisse d'Epargne Reunion Mayotte | 184,73 € |
| 87e | Cibiyar Credit Agricole Faransa | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | Occitane Bank of Jama'a | 187,10 € |
| 90e | Credit Mutuel MABN | 187,18 € |
| 91e | Bankin Jama'a Auvergne Rhône Alpes | 189,11 € |
| 92e | Caisse d'Epargne, Cote d'Azur | 190,55 € |
| 93e | Societe Generale € 80 a buɗe | 192,34 € |
| 94e | Credit Agricole Morbihan | 192,72 € |
| 95e | Credit Agricole Finistere | 192,80 € |
| 96e | Bankin Jama'a Burgundy Franche-Comte | 193,06 € |
| 97e | Kudin hannun jari BRED Banque Populaire | 193,72 € |
| 98e | Bankin Jama'a Val de France | 193,81 € |
| 99e | Credit Agricole Guyana | 194,06 € |
| 99e | Credit Agricole Martinique | 194,06 € |
| 101e | Bankin Jama'ar Mediterranean | 194,19 € |
| 102e | Bankin Jama'a Guadeloupe | 194,24 € |
| 103e | Credit Mutuel Brittany | 194,63 € |
| 104e | Caisse d'Epargne Brittany biya de Loire | 197,05 € |
| 105e | Credit Mutuel Arewacin Turai | 197,55 € |
| 106e | Rukunin Maritime na Bahar Rum | 197,96 € |
| 107e | Jama'ar Bank South | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | LCL | 203,30 € |
| 111e | Rhone-Alpes Bank | 204,16 € |
| 111e | Bankin Kolb | 204,16 € |
| 111e | Tarneaud Bank | 204,16 € |
| 111e | Laydernier Bank | 204,16 € |
| 111e | Credit du Nord | 204,16 € |
| 111e | Courtois Bank | 204,16 € |
| 111e | Kamfanin Marseille Credit | 204,16 € |
| 118e | Bankin Jama'ar Arewa | 204,36 € |
| 119e | Bankin Nuger | 204,86 € |
| 120e | BNP Paribas € 80 a buɗe | 205,21 € |
| 121e | BNP Paribas West Indies Guyana | 214,82 € |
| 122e | GEP | 219,38 € |
| 123e | Millis Bank | 221,47 € |
| 124e | Banque Populaire Rives de Paris | 221,64 € |
| 125e | Bankin Palatine | 222,35 € |
| 126e | Bankin Dupuy de Parseval | 245,56 € |
Yadda za a zabi bankin da ya dace?
Don karanta kuma: 10 Mafi Rahusa Tsare-tsaren Rayuwa na Wayar hannu a 2022
Ma'auni na farko da za a yi la'akari da shi shine kuɗin banki. Yawancin masu kwatancen sun bayyana akan Intanet kuma suna bayar da mafi kyawun tayi dangane da halayen banki na godiya ga amsoshinku ga ƴan tambayoyi.
- Ta hanyar nazarin kuɗin banki akai-akai na kamfanoni, suna samar da matsayi don jagorantar masu amfani.
- Don zaɓar bankin da ya dace, babu wani girke-girke na mu'ujiza, amma tsarin tsarin da za a bi.
- Ana zabar banki gwargwadon bukatunsa, tsarin rayuwarsa da bayanin martabarsa. Da zarar an magance waɗannan batutuwa, za a iya fara neman bankin da ya dace.
Babban bankin shine bankin da ya fi dacewa da ku! Dangane da bayanin martaba da salon rayuwar kowane mutum, nau'in banki ɗaya na iya zama mafi dacewa fiye da wani. Don haka menene ka'idojin da za ku yi la'akari lokacin zabar bankin ku?
- Shekarunka: dangane da shekaru, ana ba da takamaiman samfura da ayyuka, kamar katin biyan kuɗi na matasa.
- Halin gwanintar ku: dalibi, mai aiki. mai ritaya… Ga kwararre, bankin kasuwanci na iya zama irin bankin da ya fi dacewa da shi, yayin da matashi ko dalibi, bankin kasa yana saukaka sarrafa asusunsa a fadin kasar Faransa, ba tare da la’akari da wurin da ya yi karatu ba. .
Kudin shiga:
- Menene kudin shiga na?
- Ana yawan fallasa ni?
Zaɓen gado:
- Menene girmansa?
- Ina bukatan Manajan Arziki? Bankin saka hannun jari na iya zama wanda aka fi so idan kuna da dukiya mai yawa.
Yawan tafiye-tafiyen ku zuwa ƙasashen waje: Ina buƙatar hanyoyin biyan kuɗi na musamman ko ayyuka? Babban bankin kasa da kasa yana saukaka ayyukan banki a kasashen waje.
Don karanta kuma: CoinEx Exchange: Shin yana da kyau dandamali musayar? Reviews da duk bayanai
Zaɓin bankin ku: abubuwan da za ku duba
Ga mafi yawan mutane, farashin sabis na banki shine abin da ke tabbatar da zaɓin bankin su. Baya ga wannan batu, bincika ingancin, amma kuma bambancin ayyukan da aka bayar yana da mahimmanci.
Abubuwan da za a bincika lokacin zabar bankin ku
- Ainihin ayyuka: budewa, rikewa da rufe asusu, aika bayanan asusun, zare kudi kai tsaye, canja wuri, ajiya, cire kudi, da sauransu.
- Ƙarin ayyukan banki: taimako da tsaro, inshora, tanadi, da dai sauransu.
- Hanyoyin biyan kuɗi: kewayon katunan, cak, da sauransu.
- tanadi kayayyakin: fastoci, inshorar rai, asusun wucewa, UCITS, SICAV, da sauransu.
- Kayayyakin kiredit/sabis: katunan, fansa, lamuni…
- Ayyukan sarrafa asusun nesa: Matsayin ƙasa: akwai wata hukuma kusa da ni? Menene girman hanyar sadarwar banki.
- Tuntuɓi banki: tarho, internet, hukumar..
- Dangantaka da bankin: akwai masu ba da shawara: 24 hours a rana?
- Mai ba da shawara? Ma'auni? ATM? Banki kan layi?
Bukatu na iya alaƙa da wuraren tanadi, bashi ko kasuwar hannun jari
A zahiri, menene nake buƙata don zaɓar banki na?
- Account na yanzu don karɓar albashi na?
- Asusun haɗin gwiwa don mafi kyawun sarrafa kuɗin iyali na gama gari?
- Ƙwararriyar asusun a matsayin wani ɓangare na ayyukana na yau da kullum?
- Hanyoyin biyan kuɗi na al'ada ko keɓantacce?
- Don ainihin buƙatun samfur: manyan bankuna, waɗanda aka sani da "bankunan kasuwanci", suna ba da samfura da sabis waɗanda ke cika bukatun yawancin abokan ciniki.
- Keɓaɓɓen sabis ko daidaitaccen sabis?
- Don amfana daga keɓaɓɓen samfuran kuɗi da ayyuka, bankuna masu zaman kansu sun fi dacewa. Koyaya, ku tuna cewa farashin kayayyaki da sabis na banki galibi yakan fi na hanyar sadarwar banki ta mabukaci.
- Taimaka tare da sarrafa kadarori na? Sauƙaƙan shawarwarin kuɗi?
- Tuntuɓi na yau da kullun tare da mai ba da shawara? Don ci gaba da kyakkyawar dangantaka ta kud da kud tare da mai ba ku shawara, don zaɓar bankin ku, ƙananan kungiyoyi ko matsakaita kamar bankin yanki ya kamata a fifita su.
- Don sarrafa asusun banki na da kansa?
Don ƙarin 'yancin kai da 'yanci, babu wani mafi kyawun bankunan kan layi na nau'in: Sannu Bank! Ko wasu don wannan al'amari, ba mu da fifiko sai banki mafi arha.
Zaɓi bankin ku akan layi ko a cikin hanyar sadarwar reshe?
Har yanzu, duk ya dogara da bayanan martaba, bukatun ku da tsammanin ku. Amma ku sani cewa bankunan gargajiya da na gargajiya suna ba da sabis na yau da kullun iri ɗaya. Bambancin ya ta'allaka ne a cikin mafi ƙarancin farashi a bankunan kan layi waɗanda galibi bankunan kyauta ne, amma kuma a cikin aiki ba tare da hukuma ba kuma ba tare da kanti ba.
Me yasa zabar bankin kan layi?
- Don ƙarin 'yancin kai da 'yancin gudanar da mulki
- Don samun dama mai nisa na dindindin kwanaki 7 a mako
- Don ƙarancin kuɗi da rahusa
Lura: yana yiwuwa a sami mai ba da shawara na sirri tare da bankin kan layi.
Me yasa ya fi son bankin gargajiya?
- Don kusancin dangantaka
- Domin cibiyar sadarwa ta hukumar
- Don ƙarin ayyuka
Zaɓi bankin ku gwargwadon aikin ku da bukatun ku
Ayyukan suna da yawa kuma daban-daban, kamar yadda sabis na banki da samfurori suke. Daga sauƙin tanadi na taka tsantsan, zuwa siyan kadarori, gami da kiredit da inshora, tayin banki ya cika duk buƙatun. Wannan shine dalilin da ya sa kafin kwatanta bankunan, da farko ƙayyade bukatun ku.
- Wadanne kayayyaki ko ayyuka nake bukata?
- Don waɗanne manufofi ko ayyuka?
- Ana yawan fallasa ni?
Kwatanta farashin banki kyauta da sauƙi!
An haife shi ta hanyar haɗin gwiwa na Ma'aikatar Tattalin Arziƙi da Kwamitin Ba da Shawarar Kasuwanci (CCSF), mai kwatanta farashin banki kayan aiki ne na hukuma kuma kyauta wanda ke ba ku damar kwatanta manyan kuɗaɗen da cibiyoyin banki daban-daban ke caji.
Kyauta da sabuntawa kowane mako, mai kwatanta ƙimar banki ya ƙunshi duk sassan Faransanci kuma ya lissafa kusan cibiyoyin bashi 150, wanda ke wakiltar sama da kashi 98% na kasuwar da ke cikin yankin. Baya ga kwatankwacin sabis na yau da kullun, kamar canja wuri, cire kuɗi kai tsaye ko farashin katin banki, mai kwatanta yana ba ku damar kwatanta kusan ayyuka daban-daban guda goma da kuma nuna har zuwa shigarwar 6 daban-daban a lokaci guda.
Hakanan mai kwatancen yana bayar da bibiyar juyin halittar farashin cibiyoyin. Na'urar nuni mai kibau (sama, ƙasa) ko alamar "=" (don tsayuwa) an haɗa su cikin kowane tebur na sakamako.
Bugu da ƙari, ta hanyar hawan linzamin kwamfuta a kan farashin, adadin karuwa ko raguwa ya bayyana, misali: "+1 € tun 2021 ga Janairu, XNUMX". Koyaya, wannan zaɓin baya samuwa akan wayar hannu ko kwamfutar hannu, amma don shawarwari daga kwamfuta kawai.
Bincike kuma: Duk abin da kuke buƙatar sani game da Paysera Bank, don canja wurin kuɗi akan layi & Binciken: Duk game da Tawaye, katin banki da asusun da miliyoyin mutane suke amfani da shi
Abin da kawai za ku yi shi ne cika nau'in kafa (na zahiri, kan layi ko duka biyun a hade) waɗanda ke sha'awar ku, da kuma sashin sa. Sannan zaɓi ƙima har 6 don kwatantawa. A cikin dannawa 3 kawai, sakamakon, wanda za'a iya fitarwa da bugawa, ya bayyana a cikin nau'i na tebur. Ga yadda:
- Shugaban zuwa shafin www.tarifs-bancaires.gouv.fr
- Zuwan kan shafin farko na rukunin yanar gizon. wanda yayi daidai da shafin "Yi bincike". zaɓi nau'in kafa da kuke son haɗawa a cikin bincikenku (zaɓi 1 mai yiwuwa):
- bankuna ko masu ba da sabis na biyan kuɗi tare da bankunan hukumomi ko masu ba da sabis na biyan kuɗi na kan layi masana'antu da kafa kasuwanci (EPIC) duk cibiyoyi.
- Zaɓi sashen ku (zaɓi 1 mai yiwuwa) a cikin menu mai buɗewa ko ta danna sashin da ake tambaya a cikin hexagon (ko a tsibiran sashen ketare) a ƙasa.
- Zaɓi ƙimar banki don kwatanta. Kuna iya shigar da zaɓuɓɓuka har 6 akan kwamfuta da kwamfutar hannu ko har zuwa 3 akan wayar hannu. Idan kuna son sanin ma'anar waɗannan jadawalin kuɗin fito kafin a bincika su, danna kan alamar tambaya kusa da kowace jadawalin kuɗin fito don bayani.
