Alakaʻi: Hoʻohālikelike o nā Pūnaewele Pūnaewele ʻoi loa (2021)

Hoʻohālikelike o nā Panakō Pūnaewele ʻoi loa: I kēia lā e nānā ana mākou a Hoʻohālikelike i nā panakō kikoʻī ʻoi loa ma ʻEulopa e ʻae ai iā ʻoe e hana i kahi moʻokāki ma kāu kelepona ma lalo o 10 mau minuke.

ʻOkoʻa ka hoʻokūkū ʻana i nā panakō ʻEulopa i ka uku o ka uku, ka palekana, a me ke kākoʻo no nā waiwai waiwai like ʻole a me nā lawelawe.

Loaʻa loiloi kumu kūʻai, huahana, hoʻolālā, pono, palekana, a me nā mea hou aʻe. Ua hoʻonohonoho mākou a hoʻāʻo iā lākou no laila ʻaʻole pono ʻoe. E luʻu kākou i loko o ka papa inoa o nā panakō pūnaewele ʻoi loa o ʻEulopa, ke pili i nā hoʻowalewale uila a ʻimi iā lākou pākahi no kōkua iā ʻoe e ʻike i kahi e kūpono i kāu mau pono.

Inā 'oe i ke ʻimi nei i ka panakō pūnaewele ʻoi loa ka mea e ʻae ai iā ʻoe e hoʻokele i kāu mau waihona panakō ma ka pūnaewele me ka wikiwiki a me ka wikiwiki, ʻo ia hoʻi ma ke kelepona paʻalima, a laila aia ʻoe ma kahi kūpono. I kēia alakaʻi, hōʻike mākou iā ʻoe ka hoʻohālikelike o nā panakō pūnaewele maikaʻi loa ma 2020.

Alakaʻi: Pehea e koho ai i ka panakō pūnaewele maikaʻi loa?

Nā panakō kūwaho, nā panakō kuʻuna, nā panakō like, nā panakō pūnaewele a me nā neobanks hou aku, ʻoiai me ka mea hoʻohālikelike maikaʻi ua paʻakikī ka koho ʻana. Hoʻonui hou aʻe nā panakō ma ka Pūnaewele.

Hiki i kēia ke unuhi i nā helu ʻoi aku ka maikaʻi a me nā kōmike haʻahaʻa, akā ʻaʻole naʻe nā panakō āpau e hāʻawi i nā huahana ma ka pūnaewele e hana like. eia ka mea e nānā ai i mea e hoʻomaka ai i kāu koho ʻana o ka pēke uila.

Ua lilo ka waihona kālā pūnaewele i mea ʻoiaʻiʻo, ma ka hapa nui no ka mea, he mea hiki ke hana, maʻalahi hoʻi e hōʻalo i nā uku lapuwale. ʻAʻole ia he mea maʻamau no ka hoʻopiʻi ʻana o nā panakō nui i $ 30 a ʻoi paha i kēlā me kēia mahina, ʻoiai inā he mea kūʻai aku ʻokoʻa ʻoe, a inā paha e loaʻa kālā nei lākou i kāu kālā.

Inā hoʻonāukiuki kēia iā ʻoe, hiki i ka manawa e ʻike ai i kahi panakō pūnaewele. Akā pehea ʻoe e koho ai i ka ʻoi loa?

Criterion # 1: Nā uku me ka haʻahaʻa i hiki

ʻO kekahi o nā kumu nui no ka haʻalele ʻana i ka honua i nā panakō nui ʻo ia ka nā uku lawelawe o nā ʻano like ʻole : nā uku lawelawe, nā uku mahina, nā uku ATM, nā uku hoʻokahuli, a pēlā aku.

No laila he mea pono e makemake nā panakō pūnaewele e hoʻokūkū ma ka mālama ʻana i nā uku a kokoke i ka ʻole hiki. No laila he mea pono e makemake nā panakō pūnaewele e hoʻokūkū ma ka mālama ʻana i nā uku a kokoke i ka ʻole hiki.

Akā he uku paha kekahi mau lawelawe, a inā kūʻē ʻoe i nā uku, ʻike inā loaʻa ka palena iki o nā waihona waiho kālā a i ʻole nā ​​uku paʻi paʻi maʻamau.

Criterion # 2: palekana ikaika

ʻO ka lua o nā ana e noʻonoʻo ai i ke koho ʻana i nā panakō pūnaewele ʻoi loa ka palekana o kāu moʻokāki / kālā. ʻAʻole i loaʻa kahi hack pēke pūnaewele i hana i nā poʻo inoa, akā ua hana ʻia me nā pūnaewele o bitcoin a i kahi manawa a eBay a me Target i hōʻeha ʻia i ka hijackings. ʻIkepili, pono e nīnau pehea e noho ai kāu panakō pūnaewele ma ka mua o ka hacking.

ʻAʻole hiki ke lilo i ke kālā, kākoʻo ʻia nā panakō pūnaewele e nā ʻoihana e like me ka ECB. Akā aia mau ka manawa e hōʻike ʻia kāu ʻikepili a kaʻana like ʻia.

Pono e hoʻomaopopo ʻia he cyberattacks kūʻē i nā ʻoihana liʻiliʻi kokoke ʻelua ma waena o 2011 a 2013, mai 18% a 31%, e like me Damian Caracciolo, pelekikena hope o CBIZ, kahi hui e hoʻolako i nā lawelawe kūkākūkā ʻinikua a me nā pono.

Criterion # 3: Kākoʻo mea kūʻai aku maikaʻi

Ma muli wale nō o ka hāʻawi ʻana o kahi panakō i ke kākoʻo mea kūʻai 24/24 a me nā lunamakaʻāinana ola ma o ke kelepona, ʻaʻole ia he manaʻo no ka impeccable o ka lawelawe.

He manaʻo maikaʻi mau e nānā i ka ʻaoʻao Facebook bank a i ʻole nā ​​pūnaewele e like me Manaʻo Trust e ʻike e pili ana i ka mōʻaukala o ka panakō. ʻO kēlā ʻōlelo, hiki i ke komo ke hoʻopili i ka lawelawe, ʻoiai ʻaʻole ʻoe e ʻike i ka wā e pono ai ʻoe e kamaʻilio me kekahi.

Criterion # 4: maʻalahi

Manaʻo ʻoe he polokalamu polokalamu kelepona kā nā pūnaewele pūnaewele āpau, akā ʻaʻole pololei kēlā. E like me kā mākou i ʻike ai, ʻaʻole hāʻawi ʻia ka lawelawe mea kūʻai aku 24 mau hola a me nā mea lawelawe ola, a hiki i ka pūnaewele ATM ke liʻiliʻi a nui paha.

ʻO ka'ōlelo ʻo ia nō kahi mahele o ka maʻalahi e noʻonoʻo ʻia i ke koho ʻana i nā panakō pūnaewele ʻoi loa, i ka wā o kaʻu noiʻi ʻana e kākau i kēia ʻatikala ua ʻike wau i nā panakō pūnaewele, ma Serbia no ka laʻana, hoʻokahi wale nō ʻōlelo i hiki ʻole ke hoʻomaopopo i kahi huaʻōlelo sen. ma ke ʻano he haole, hoʻāʻo e hōʻoia aia ka panakō ma Farani a i ʻole Pelekania ma mua o ke kau inoa ʻana.

Ma muli o nā mea nui e pono ai, kūʻai aku a puni e ʻike i ka panakō e kū pono i kāu papa inoa o nā mea i ʻole ke kūkākūkā ʻia.

Criterion # 5: Ke ʻano o ka huahana

Pehea ʻoe e hoʻopili ai me kahi panakō pūnaewele e hilinaʻi nui ʻia kāu mau pono mua.

Mai noʻonoʻo e hāʻawi ana kahi panakō pūnaewele i nā lawelawe loiloi, a mai hoʻopunipuni ke ʻōlelo ʻia kahi panakō e loaʻa nā hōʻike maikaʻi loa ma nā CD a me nā waihona kālā, no ka mea, ma nā panakō a pau, ʻuʻuku kēia hoʻi ʻana, a ʻaʻole loa he ala ʻē aʻe i ka hoʻopukapuka.

Nānā ʻoe kahi e hiki ai iā ʻoe ke hoʻokū a neʻe maʻalahi i kāu kālā, me ka hoʻopunipuni ʻole iā ʻoe iho ma ka hana ʻana i kahi "make blow" ma ka hoʻi makahiki o 1,15%.

Criterion # 6: Ka maʻalahi o ka wehe ʻana i kahi moʻokāki

ʻAʻole like ka ʻenehana kiʻekiʻe me ka wikiwiki wikiwiki. I kekahi mau panakō pūnaewele, ʻoi aku ka maʻalahi o ka wehe ʻana i kahi moʻokāki ma mua o ka hana ʻana.

Ke nānā nei ʻoe i ka pūnaewele, ʻike ʻoe i nā loiloi o ka panakō pūnaewele, a aia kahi manawa kūpono i kākau ai kekahi mau mea kūʻai aku ʻaʻole hauʻoli lākou i kā lākou ʻike.

No laila inā ʻoe e ʻike i kahi avalanche o nā ʻano lapuwale a me nā koi e kolo ana, huli ka huelo a holo i ka panakō pūnaewele kūpono kokoke loa.

I nā panakō pūnaewele maikaʻi loa, maʻalahi ka wehe ʻana i kahi waihona e like me ka hāʻawi ʻana i kāu ʻikepili pilikino a me ka mālama a me ka helu ʻana o nā helu o kahi waihona panakō e kū nei. Hana ʻia.

Hoʻohālikelike o nā panakō pūnaewele ʻoi loa (2021)

I kēia lā, ʻo ka hapa nui o nā mea kūʻai aku panakō e hana i kā lākou panakō pūnaewele paha, ma kā lākou mau kelepona paʻalima, a i ʻole ka hui ʻana o nā mea ʻelua, e like me ka mea i hala koke iho nei Ana o PwC ma ka panakō kikoʻī.

Eia hou, ua pani nā lālā panakō nunui, ʻoiai he manawa pōkole, i ka wā o ka pilikia ʻo COVID-19 i nā mea kūʻai aku he nui i ke keu pono o ka panakō pūnaewele, inā ma ke ʻano o kā lākou pili panakō kuʻuna a i ʻole me kahi panakō pūnaewele wale nō.

ʻO kā mākou hoʻohālikelike ʻana o nā panakō pūnaewele ʻoi loa ʻo 2020 kikoʻī i nā ʻano o nā makana nui o kēlā me kēia panakō pūnaewele ma ʻEulopa.

1. TransferWise: ʻO ka panakō pūnaewele maikaʻi loa me ka hapa nui o nā kālā a me nā waihona palena ʻole

ʻO ka hoʻohihi nui o Hoʻoilihoʻi moe i loko o kona hoʻolilo kālā kūwaho hoʻi ¶ ke keiki waihona moʻokāki nunui-palena ʻole.

Loaʻa ka hoʻololi ma ka liʻiliʻi ma mua o Ka ʻāina 144 ma ka honua holoʻokoʻa, a kākoʻo kāna polokalamu 57 kālā i ka manawa o ke kākau ʻana i kā mākou loiloi o nā panakō pūnaewele maikaʻi loa.

Me ka waihona palena ʻole, e loaʻa iā ʻoe kāu kikoʻī panakō ponoʻī ma US, UK, ʻEulopa, Nūhōlani a me ʻAukekulia me ka nānā ʻole i kou wahi e kū nei i waena o nā ʻāina i kākoʻo ʻia.

He koho maikaʻi loa kēia iā TransferWise no nā kamaʻāina ʻole, nā mea hoʻopukapuka, a i ʻole nā ​​ʻona ʻoihana liʻiliʻi e nānā ana e wehe i kahi waihona kālā ma kekahi ʻāina ʻē aʻe, e like me ʻAmelika Hui Pū ʻIa.

Hoʻohui, loaʻa ʻo TransferWise kahi helu kiʻekiʻe ma ka pālāki uku, ʻoiai ʻaʻohe uku no ka wehe ʻana i kahi waihona, hāʻawi i ke kāleka a mālama ʻana paha i kahi moʻokāki.

ʻO ka hapa nui o nā kālā i kākoʻo ʻia e TransferWise hāʻawi i hoʻokahi koho: kahi hoʻololi panakō mai kahi panakō i kahi ʻē aʻe. No kekahi mau kālā hiki iā ʻoe ke uku me nā kāleka hōʻaiʻē a me nā kāleka hōʻaiʻē a hoʻohana paha i kahi koho hoʻololi SOFORT, Apple Pay a i ʻole Android Pay i loaʻa no kekahi mau kālā ma o ka TransferWise iOS a me nā polokalamu Android. I ka hapanui o nā hihia, e loaʻa i ka mea loaʻa ka kālā i loko hoʻokahi i ʻelua mau lā hana.

He koho maikaʻi loa ʻo TransferWise no nā hoʻoili kālā o ka honua, ʻike ʻia lākou no kā lākou lawelawe mea kūʻai aku maikaʻi, loaʻa nā loiloi maikaʻi loa ma Trustpilot, a hāʻawi i nā hoʻoili wikiwiki. A me ka hau i ka popo? Hāʻawi pū lākou i kahi ʻike hoʻohana kupaianaha, mai kahi papa inoa maʻalahi i nā hoʻoili kūpono.

Ua pīhoihoi kekahi mau mea hoʻohana i manaʻo lākou he maikaʻi loa ka ʻoiaʻiʻo ʻole.

Nā pono nui o TransferWise:

• Waihona banka multi-currency manuahi
• Nā kikoʻī panakō pilikino me ka helu helu UK a me ka helu SORT; Helu EU SWIFT / BIC a me IBAN; Helu Hoʻohui US (ABA) a me Helu Pūnaewele
• Paʻa a hoʻolilo ma kahi o 57 kālā
• Loaʻa ma nā ʻāina he 144
• ʻAʻohe kumu kūʻai hoʻololi
• Nā uku haʻahaʻa a aniani (pili ka nui i ka paʻa kālā)
• Waihona pūnaewele ʻoihana ʻole
• Loiloi maikaʻi loa ma Trustpilot: 4,6 (82 hōʻike manaʻo)
• Hoʻonohonoho ʻia kahi kālā kālā uila, i hoʻoponopono ʻia e ka Federal Supervisory Authority
• Ka manawa e wehe i kahi moʻokāki: 5 mau minuke
• ʻO ka panakō e paʻa nei i ke kālā: Barclays, Wells Fargo

ʻO ka mea a mākou e makemake ʻole ai e pili ana iā TransferWise :

• Hiki iā ʻoe ke hoʻouna i kahi waihona panakō wale nō
• ʻAʻole uhi ʻia nā ʻāina āpau a me nā kālā e ka Borderless Account, akā hoʻohui ʻo TransferWise i nā mea hou aʻe.
• Hoʻolilo ʻia nā hoʻololi kūwaho i kahi waihona panakō i kahi uku liʻiliʻi, maʻamau i ka laulā o £ 0,50 / $ 1,30 / € 0,60.
• Aia nā palena i ka nui o kāu e loaʻa ai i kāu waihona palena ʻole.

ʻO TransferWise kahi ala maikaʻi loa e hoʻoili kālā i ka honua. Hoʻomaopopo ʻia ka panakō pūnaewele e kona maʻalahi a me ka ʻoiaʻiʻo pololei loa lākou i nā uku a me ka nui e loaʻa iā ʻoe ke hoʻololi.

Hāʻawi lākou i nā lawelawe koho koho premium e like me Pūnaewele a me ka Kāleka uku uku Mastercard, kahi e hoihoi ai iā ʻoe.

E ʻike - Ranking: ʻO wai nā panakō liʻiliʻi loa ma Farani?

2.N26: Banking Pūnaewele ʻoi loa no ka poʻe huakaʻi

ʻAhahui Kelemania N26 loa ke koho mua loa no ka poʻe huakaʻi a me nā ʻona ʻoihana liʻiliʻi ka poʻe e makemake e wehe i kahi waihona pēke manuahi uhi ʻia e ka ʻinikua waiho kālā.

ʻO N26 kekahi o nā panakō lolouila mua loa ma ʻEulopa, a i loko o nā makahiki ua ʻumeʻume ka panakō i nā miliona o nā mea kūʻai aku hou. Lawelawe ʻo ia i kēia manawa Ka ʻāina 22 a hiki iā ʻoe ke hoʻouna kālā i 19 kālā like ʻole. Eia nō naʻe, hiki i ka waihona ke loaʻa hoʻokahi kālā: ka euro.

ʻO N26 kahi neobank Kelemania, ke keʻena luna i Berlin, Kelemānia. Ke hāʻawi nei ʻo N26 i kāna lawelawe i kekahi mau lālā o nā lālā o ka Single Euro Payments Area a ma United States. Ua kāpae ʻia nā hana ma UK ma ʻApelila 2020 ma muli o ka maopopo ʻole i ke kaʻina Brexit.

Wikipedia

Koho ka hapa nui o nā mea kūʻai mai N26 i kekahi o nā huahana ʻelua aʻe: ka moʻokāki N26 maʻamau a N26 ʻeleʻele paha. ʻAʻohe uku o ka moʻokāki N26 maʻamau, ʻoiai ʻo ka helu N26 Black he 5,90 euro i kēlā me kēia mahina.

Hāʻawi nā kālā ʻelua iā ʻoe i kahi MasterCard, hiki iā ʻoe ke hoʻohana ma nā mea kūʻai aku a pau i ka honua e ʻae iā MasterCard. ʻOiai hoʻokahi i loko o ʻelua mau panakō a me nā kāleka hōʻaiʻē e lawe i kekahi mau helu pākēneka i ke kaʻina ʻana i kāu lawe kālā ʻē, hele kūʻē ka N26 i ka palaoa

Mahalo i ka hui pū ʻana o N26 me Hoʻoilihoʻi, Hoʻomaʻamaʻa ʻia nā hoʻolilo ma ka helu waena waena o ka mākeke, me ka loaʻa ʻole o ka mēkia hoʻololi, a me nā hana haole āpau e mālama ʻia ana hoʻi ma ka mākeke waena

Ma nā hoʻokolohua no ka hoʻohālikelike ʻana i nā panakō pūnaewele ʻoi loa, loaʻa iā mākou ia Hāʻawi ʻo N26 i kēia mau mea:

• Loaʻa iā ia kahi laikini panakō EU: Guarantee o nā waihona a hiki i 100 euro (no nā kānaka a me nā hui)
• Waihona ʻoihana ʻoihana manuahi me ka hoʻi kālā ma nā kūʻai
• 5 hoʻokuʻu unuhi manuahi i kēlā me kēia mahina mai kahi mīkini ATM
• Uku manuahi i kekahi kālā haole
• Nā koho ʻinikua i hoʻopili ʻia i nā mana premium (huakaʻi a me ka lāʻau lapaʻau)
• Palekana 3D Mastercard
• ʻAʻohe waiho palena iki
• E hoʻokaʻawale i nā waihona moʻokāki no ka mālama ʻana i kāu mau lilo a me kāu mālama kālā ʻana
• Kauoha ʻia e BaFin
• Hōʻoiaʻiʻo waiho: 100 euro
• Ka manawa e wehe ai i kahi moʻokāki: Ma kahi o 8 mau minuke
• ʻO ka panakō e paʻa nei i ke kālā: Bank N26

Akā ʻaʻole kēia kahi awelika 'weliweli kēia mau kāne' ʻano loiloi - e ʻimi nei i nā loiloi o nā mea kūʻai maoli (ʻoi aku nā loiloi maikaʻi ʻole) ʻike mākou i ka ʻoiaʻiʻo o ka hoʻohana ʻana i ka N26.

Nā maikaʻi ʻole o N26:

• Kuhi ʻole ʻia ma waho o UK
• ʻAʻole loaʻa ke kākoʻo kelepona 24/24
• Palena ʻia i ʻEulopa a me ʻAmelika Hui Pū ʻIa
• Nā pilikia hoʻoliʻiliʻi kūpono

Ma ke ʻano holoʻokoʻa, hiki iā mākou ke ʻōlelo ʻo N26 ia kekahi o nā panakō pūnaewele ʻoi loa o ʻEulopa, no nā mea huakaʻi a me nā ʻona ʻoihana liʻiliʻi, hāʻawi ka panakō i ka hapa nui o nā hana maʻamau o ka panakō maʻamau, akā i kahi ala uila piha.

Loiloi: ʻO nā mea āu e ʻike ai e pili ana iā Skrill e hoʻouna i nā kālā ma waho i ka 2020

Mai ka huki kālā ʻana ma nā ATM a i nā hoʻoili kālā kūwaho ma nā haʻahaʻa haʻahaʻa haʻahaʻa, nui a lākou e hāʻawi ai.

3. Revolut: He panakō kamepiula nui me ke kālā manuahi a me nā pono hoʻopukapuka

ʻO ke kolu o kā mākou papa inoa hoʻohālikelike o nā panakō pūnaewele ʻoi loa ʻO Revolut, Hāʻawi kēia ʻoihana ʻenehana UK lawelawe lawelawe panakō, e like me kāleka ʻaiʻē, kālepa kālepa manuahi, hoʻololi kālā manuahi, a me ka lawelawe hoʻopunipuni a me nā uku P2P.

Ua hoʻomaka ʻo Revolut iā Iulai 2015 e Nikolay Storonsky, kahi mea kālepa mua i hana ma Lehman Brothers a me Credit Suisse, a me Vlad Yatsenko, nā mea i kūkulu mua i nā ʻōnaehana kālā i nā panakō hoʻopukapuka.

Ua hoʻomaka ʻo Revolut ma ke ʻano he kāleka prepaid a me ka polokalamu i ʻae i nā poʻe huakaʻi e hoʻololi i kēlā me kēia kālā i kahi inexpensively. Ua ala aʻe ia mai nā pilikia i loaʻa iā Storonsky me nā huahana hoʻololi kūwaho e kū nei. Mai ia manawa, ua hoʻonui ka ʻoihana i kāna ʻano huahana a me nā lawelawe.

Nui nā pono o ka polokalamu kelepona, me kahi nānā o ka hoʻolilo kālā ʻana no kēlā me kēia kālā, nā pono hoʻopukapuka, nā mālama mālama kālā, nā waihona mālama hoʻokaʻawale ʻokoʻa, ʻoiai me ka Mastercard me nā uku pūnaewele pūnaewele 3D Secure a me nā hiʻohiʻona o ka palekana.

E heluhelu pū nō hoʻi: ʻO nā mea āpau e pili ana iā Revolut, kāleka panakō a me ka waihona i hoʻohana ʻia e miliona o ka poʻe

Hāʻawi ʻo Revolut i ʻekolu mau helu o nā moʻokāki no kēlā me kēia - hoʻokahi moʻokāki manuahi a ʻelua mau moʻokāki uku - a kākoʻo ma kahi o 24 mau kālā like ʻole. ʻAʻohe palena i ka nui o kāu waihona, a loaʻa ia ma 30 mau ʻāina.

Nā pono nui o Revolut:

• Hiki ke hoʻopaʻa i nā kālā 29 no ka manuahi
• 0% nā uku ma nā hoʻololi kālā
• ʻO ka hoʻolimalima manuahi ʻana a me ka huki ʻana o ATM ma kahi o 140 mau kālā (nā lā hebedoma wale nō)
• Hoʻolilo honua
• Hoʻololi kaʻana like ʻole: A i 8 mau mea kālepa i kēlā me kēia mahina
• ʻO nā mea hoʻonui kāleka koke mai kāu waihona moʻokāki
• Waihona palena iki: ʻAʻole
• Nā koho kālepa crypto hoʻohui ʻia
• ʻInikua huakaʻi manuahi no nā mea kūʻai aku Premium a me Metal
• Laikini: Kālā uila, panakō; hoʻoponopono ʻia e ka FCA
• Rating ma TrustPilot: 4.5
• Palapala pane noi: 4.8
• ʻO ka panakō e paʻa nei i kāu kālā: Barclays, Lloyds

Nā palena hoʻoiho mahina ma ATM he kuleana koho ia, keu hoʻi ke hele ʻoe i kahi ʻāina kahi e pono ai e lawe kālā.

I kēia hihia, pono ʻoe e nīnau iā ʻoe iho inā paha nā uku āu e uku ai ma mua o ka mālama kālā ʻana i hiki iā ʻoe ke hana ma ke ana kuapo.

Maliʻa paha ʻo ka ʻaoʻao nui ʻo Revolut ʻaʻole ia he panakō i ʻae ʻia, ʻo ia hoʻi ʻaʻole pale ʻia kāna mea kūʻai aku e ka FSCS.

Panina: E koho no kahi panakō pūnaewele

E like me ka mea i ʻōlelo ʻia ma luna, ka hiki omaʻalahi a wehe koke i ka waihona kālā ma ka pūnaewele ʻo ia kekahi o ʻoi aku ka maikaʻi o ka panakō pūnaewele. ʻOiai mākou e nānā i ka hoʻokūkū ʻana i nā panakō ʻEulopa, ʻo ka hapa nui o lākou e hiki ke hiki hāʻawi i nā lawelawe i nā kamaʻāina ʻole ʻEulopa.

E heluhelu i kekahi: ʻO nā mea āpau āu e ʻike ai e pili ana i ka Paysera Bank, e hoʻoili kālā ma ka pūnaewele & 20 Papa inoa papa inoa waiwai maikaʻi maikaʻi loa e kūʻai, hoʻolimalima a kūʻai aku pūnaewele

Loaʻa i nā panakō kuʻuna a me nā panakō pūnaewele nā ​​mea maikaʻi āpau. ʻO ka mea nui, he nīnau inā paha ʻoi aku ka nui o nā lawelawe a me ka hoʻopili pilikino ʻana o ka brick a me ka mortar ma mua o ke kumu kūʻai kiʻekiʻe pinepine ʻia, e pili ana i nā uku paneʻe haʻahaʻa a me nā uku hou aku, o nā lawelawe. Hāʻawi ʻia nā lawelawe panakō ma laila.

He mea pono nō hoʻi e noʻonoʻo e hoʻokaʻawale i kāu hana ma waena o nā mea ʻelua. He ʻoiaʻiʻo ʻaʻole kūpono kēia hoʻonohonoho iā ʻoe, a ʻo ke kumukūʻai no ka mālama ʻana i nā helu he nui he pilikia.

Akā ʻo ka loaʻa ʻana o nā waihona ma ka panakō kuʻuna a me kahi panakō pūnaewele e hiki ke hāʻawi iā ʻoe i ka ʻoi o nā ao ʻelua - nā uku paneʻe kiʻekiʻe a me ke kiʻi i ke kōkua pilikino. No kāu hana a me nā pilikia ke pono ʻoe.

Inā loaʻa iā ʻoe nā panakō pūnaewele ʻē aʻe e hoʻohui i kā mākou papa inoa hoʻohālikelike o nā panakō pūnaewele ʻoi loa, e ʻoluʻolu e hoʻokuʻu iā mākou i kahi laina i nā ʻāpana ʻōlelo. Mahalo no ka hoʻomaha ʻana, a mai poina e kaʻana like i ka ʻatikala!