Ndemanga Akonzi
Mabanki otsika mtengo kwambiri ku France: Kusankha banki yanu ndichinthu chomwe chimakupangitsani nthawi yayitali! Chifukwa chake ndikofunikira kuganiza mozama musanachite. Makamaka popeza nthawi zonse zimakhala zoletsa pang'ono kusintha mabanki. Sikophweka kupeza banki yabwino. M'nkhalango yamitengo iyi, nthawi zambiri mumayenera kuyang'ana zomwe mukufuna komanso momwe mumakhalira kubanki kuti mutulutse mndandanda wolondola kwambiri.
Ndalama zamabanki ndizomwe zimafunikira posankha banki yabwino kwambiri. Poganizira zolipira zosinthika kuchokera ku banki imodzi kupita ku ina, taganiza zopanga gulu ili kuti likuthandizeni pezani mabanki otsika mtengo kwambiri ku France mchaka cha 2022. Dziwani kuti kusankha banki yotsika mtengo kwambiri imatha kukupulumutsani kuposa 240€ pachaka!
Zamkatimu
Kusankhidwa kwa mabanki otsika mtengo kwambiri mu 2022
Nawu mndandanda wamabanki omwe ali ndi ndalama zotsika kwambiri kubanki mu 2022:
| linalira | Bank | Mtengo wapachaka |
|---|---|---|
| 1er | Boursora Bank € 80 potsegula | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo € 80 potsegula | 27,98 € |
| 4e | BforBank | 40,28 € |
| 5e | Orange Bank € 80 potsegula | 49,43 € |
| 6e | Macif | 87,87 € |
| 7e | Mtengo wa magawo AXA | 93,78 € |
| 8e | MoniBank | 100,48 € |
| 9e | Ngongole ya Cooperative | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| bodza | Malingaliro a kampani Allianz Bank | 134,59 € |
| 12e | Credit Agricole Normandy-Seine | 139,95 € |
| 13e | Monabanq € 160 potsegulira | 144,23 € |
| 14e | Credit Agricole Touraine Poitou | 144,69 € |
| 15e | Banki yamakalata | 145,41 € |
| 16e | Credit Agricole Ile-de-France | 146,28 € |
| 17e | Credit Agricole Center-Ouest | 147,43 € |
| 18e | Credit Agricole Center-East | 147,97 € |
| 19e | French Guiana-Mayotte-COM | 148,56 € |
| 19e | Guadeloupe-Martinique-Reunion | 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 | Credit Agricole Center Loire | 152,11 € |
| 27e | Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Credit Agricole Aquitaine | 156,83 € |
| 29e | Credit Agricole Provence Côte d'Azur | 157,09 € |
| 30e | Credit Agricole Franche-Comte | 159,63 € |
| 31e | Credit Agricole North of France | 161,81 € |
| 32e | Credit Agricole Normandy | 162,97 € |
| 33e | Credit Agricole Alsace Vosges | 165,54 € |
| 34e | Ngongole Agricole Toulouse 31 | 165,67 € |
| 35e | Caisse d'Epargne Grand Est Europe | 165,84 € |
| 36e | Credit Mutuel Ocean | 166,66 € |
| 37e | Credit Agricole Savoie | 166,80 € |
| 38e | Caisse d'Epargne Loire-Center | 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 | Credit Maritime Grand Ouest | 169,77 € |
| 46e | People's Bank Great West | 170,67 € |
| 47e | Credit Mutuel Center East Europe | 171,50 € |
| 47e | Credit Mutuel Center | 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-France | 171,50 € |
| 47e | Credit Mutuel Loire-Atlantique, Center West | 171,50 € |
| 56e | Caisse d'Epargne Ile-de-France | 171,67 € |
| 57e | Credit Agricole North East | 172,59 € |
| 58e | Mbiri ya 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 waku 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 | Mbiri Mutuel Massif Central | 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 ndi Limousin savings banki | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Credit Agricole South Mediterranean | 181,65 € |
| 80e | Chalus Bank | 181,79 € |
| 81e | Credit Agricole Corsica | 183,57 € |
| 82e | BFCOI Mayotte | 184,72 € |
| 82e | BFCOFrom Reunion | 184,72 € |
| 84e | Caisse d'Epargne Provence-Alpes-Corsica | 184,73 € |
| 84e | Caisse d'Epargne Reunion Mayotte | 184,73 € |
| 87e | Credit Agricole Center France | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | Occitane People's Bank | 187,10 € |
| 90e | Credit Mutuel MABN | 187,18 € |
| 91e | People's Bank Auvergne Rhône Alpes | 189,11 € |
| 92e | Caisse d'Epargne Côte d'Azur | 190,55 € |
| 93e | Société Generale € 80 potsegulira | 192,34 € |
| 94e | Credit Agricole Morbihan | 192,72 € |
| 95e | Credit Agricole Finistere | 192,80 € |
| 96e | People's Bank Burgundy Franche-Comte | 193,06 € |
| 97e | BRED Banque Populaire | 193,72 € |
| 98e | People's Bank Val de France | 193,81 € |
| 99e | Credit Agricole Guyana | 194,06 € |
| 99e | Credit Agricole Martinique | 194,06 € |
| 101e | Mediterranean People's Bank | 194,19 € |
| 102e | People's Bank Guadeloupe | 194,24 € |
| 103e | Credit Mutuel Brittany | 194,63 € |
| 104e | Caisse d'Epargne Brittany Pays de Loire | 197,05 € |
| 105e | Credit Mutuel North Europe | 197,55 € |
| 106e | Mediterranean Maritime Credit | 197,96 € |
| 107e | People's Bank South | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | Zotsatira LCL | 203,30 € |
| 111e | Rhône-Alpes Bank | 204,16 € |
| 111e | Kolb Bank | 204,16 € |
| 111e | Malingaliro a kampani Tarneaud Bank | 204,16 € |
| 111e | Bank Laydernier | 204,16 € |
| 111e | Mawu a du du Nord | 204,16 € |
| 111e | Courtois Bank | 204,16 € |
| 111e | Malingaliro a kampani Marseille Credit Company | 204,16 € |
| 118e | North People's Bank | 204,36 € |
| 119e | Nuger Bank | 204,86 € |
| 120e | BNP Paribas € 80 potsegula | 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 | Palatine Bank | 222,35 € |
| 126e | Bank Dupuy de Parseval | 245,56 € |
Kodi kusankha banki yoyenera?
Kuwerenganso: Mapulani 10 Apamwamba Otchipa Kwambiri Pamoyo Wonse mu 2022
Chinthu choyamba choyenera kuganizira ndi ndalama za banki. Ofananitsa ambiri apezeka pa intaneti ndipo amadzipereka kuti apeze zotsatsa zokongola kwambiri kutengera momwe mumakhalira kubanki chifukwa cha mayankho anu ku mafunso angapo.
- Powerenga pafupipafupi ndalama zamabanki pamabizinesi, amapanga masanjidwe kuti aziwongolera ogula.
- Kusankha banki yoyenera, palibe njira yozizwitsa, koma njira yokhazikika yoti muzitsatira.
- Banki imasankhidwa malinga ndi zosowa zake, moyo wake komanso mbiri yake. Mfundozi zikayankhidwa, kufunafuna banki yoyenera kungayambike.
Banki yabwino ndi banki yomwe imakukwanirani bwino! Kutengera mbiri ya munthu aliyense ndi moyo wake, mtundu umodzi wa banki ungakhale woyenera kuposa wina. Ndiye ndi zinthu ziti zomwe muyenera kuziganizira posankha banki yanu?
- Zaka zanu: kutengera zaka, katundu ndi mautumiki apadera amaperekedwa, monga khadi yolipirira achinyamata.
- Mkhalidwe wanu waukadaulo: wophunzira, wokangalika. wopuma pantchito… Kwa katswiri, banki yabizinesi ingakhale mtundu wa banki womwe umamuyenerera bwino, pomwe kwa wachinyamata kapena wophunzira, banki yadziko imapangitsa kuti zisamavutike kuyang'anira maakaunti ake ku France konse, mosasamala kanthu za komwe adaphunzirira. .
Ndalama zanu:
- Ndalama zanga ndi zotani?
- Kodi nthawi zambiri ndimawululidwa?
Voti yolowa:
- Kodi kukula kwake ndi kotani?
- Kodi Ndikufuna Woyang'anira Chuma? Banki yosungira ndalama ingakhale yabwino ngati muli ndi chuma chambiri.
Kuchuluka kwa maulendo anu kunja: Kodi ndikufunika njira zapadera zolipirira kapena ntchito? Banki yapadziko lonse lapansi imathandizira kwambiri ntchito zamabanki kunja.
Kuwerenganso: CoinEx Exchange: Kodi ndi nsanja yabwino yosinthira? Ndemanga ndi zambiri
Kusankha banki yanu: mfundo zomwe muyenera kuziwona
Kwa anthu ambiri, mitengo yamabanki ndiyomwe imapangitsa kusankha banki yawo. Kuphatikiza pa mfundoyi, kuyang'ana khalidwe, komanso kusiyana kwa mautumiki operekedwa ndikofunikira.
Mfundo zofunika kuziwona posankha banki yanu
- Ntchito zoyambira: kutsegula, kusunga ndi kutseka ma akaunti, kutumiza ziganizo za akaunti, ma debit mwachindunji, kusamutsidwa, madipoziti, kuchotsa, ndi zina zotero.
- Zowonjezera mabanki: thandizo ndi chitetezo, inshuwaransi, ndalama, etc.
- Njira zolipira: kuchuluka kwa makhadi, macheke, ndi zina.
- zinthu zosungira: ma passbook, inshuwaransi ya moyo, akaunti ya passbook, UCITS, SICAV, etc.
- Ngongole katundu/ntchito: makadi, ziwombolo, ngongole…
- Ntchito zoyendetsera akaunti yakutali: Malo: kodi pali bungwe pafupi ndi ine? Kodi kuchuluka kwa network ya banki ndi chiyani.
- Lumikizanani ndi banki: foni, intaneti, bungwe..
- Zogwirizana ndi banki: alangizi alipo: maola 24 patsiku?
- Mlangizi waumwini? Zowerengera? ATM? Banki ya pa intaneti?
Zosowa zitha kukhudzana ndi madera osungira, ngongole kapena msika wamasheya
Mwachidule, ndiyenera kusankha chiyani banki yanga?
- Akaunti yamakono yoti ndilandire malipiro anga?
- Akaunti yolumikizana yosamalira bwino zowonongera zabanja limodzi?
- Akaunti yaukadaulo ngati gawo lazochita zanga zatsiku ndi tsiku?
- Njira zolipirira zachikhalidwe kapena zaumwini?
- Pazofunikira zopangira: mabanki akulu, omwe amadziwika kuti "mabanki azamalonda", amapereka zinthu ndi ntchito zomwe zimakwaniritsa zosowa za makasitomala ambiri.
- Zokonda zanu kapena ntchito zokhazikika?
- Kuti mupindule ndizinthu zachuma ndi ntchito zanu, mabanki achinsinsi ndi abwino. Komabe, kumbukirani kuti mtengo wazinthu zamabanki ndi mautumiki nthawi zambiri umakhala wokwera kuposa maukonde akubanki ogula.
- Kodi mungandithandize kusamalira zinthu zanga? Malangizo osavuta azachuma?
- Kukumana pafupipafupi ndi mlangizi wanu? Kuti mukhale ndi ubale wabwino kwambiri ndi mlangizi wanu, kusankha banki yanu, mabungwe ang'onoang'ono kapena apakatikati monga banki yachigawo ayenera kuyanjidwa.
- Kuti ndisamalire akaunti yanga yaku banki mosadalira?
Pazodziyimira pawokha komanso ufulu, palibe chabwino kuposa mabanki apa intaneti amtundu wa: Moni Bank! Kapena zina pankhaniyi, tilibe zokonda kupatula banki yotsika mtengo kwambiri.
Sankhani banki yanu pa intaneti kapena pa intaneti ya nthambi?
Apanso, zonse zimadalira mbiri yanu, zosowa zanu ndi zomwe mukuyembekezera. Koma dziwani kuti mabanki wamba ndi mabanki azikhalidwe amapereka ntchito zofanana. Kusiyanitsa kuli pamitengo yotsika kwambiri pamabanki apaintaneti, omwe nthawi zambiri amakhala mabanki aulere, komanso kugwira ntchito popanda bungwe komanso opanda kauntala.
Chifukwa chiyani kusankha banki yapaintaneti?
- Kuti mudziwe zambiri komanso ufulu wa kasamalidwe
- Kuti mupeze mwayi wokhazikika wakutali masiku 7 pa sabata
- Zolipira zochepa komanso zotsika mtengo
Chidziwitso: ndizotheka kukhala ndi mlangizi wanu wokhala ndi banki yapaintaneti.
Chifukwa chiyani mumakonda banki yachikhalidwe?
- Kwa ubale wapamtima
- Kwa network yake ya bungwe
- Kuti mumve zambiri
Sankhani banki yanu molingana ndi polojekiti yanu komanso zosowa zanu
Ma projekiti ndi ambiri komanso osiyanasiyana, monganso ntchito zamabanki ndi malonda. Kuchokera kusungitsa zosavuta, zogulira malo, kuphatikiza ngongole ndi inshuwaransi, banki imakwaniritsa zopempha zonse. Ichi ndichifukwa chake musanafanizire mabanki, choyamba dziwani zosowa zanu.
- Kodi ndi zinthu ziti kapena ntchito ziti zomwe ndikufuna?
- Zolinga kapena ntchito ziti?
- Kodi nthawi zambiri ndimawululidwa?
Fananizani mitengo yakubanki yaulere komanso yosavuta!
Wobadwa ndi mgwirizano wa Unduna wa Zachuma ndi Komiti Yopereka Upangiri wa Zachuma (CCSF), wofananira pamitengo ya banki ndi chida chovomerezeka komanso chaulere chomwe chimakupatsani mwayi wofananizira zolipiritsa zomwe zimaperekedwa ndi mabanki osiyanasiyana.
Zaulere komanso zosinthidwa sabata iliyonse, wofananira wa banki amakhudza madipatimenti onse aku France ndikulemba mndandanda wa mabungwe pafupifupi 150 angongole, omwe akuyimira oposa 98% ya msika womwe ulipo mderali. Kuphatikiza pa ntchito zofananira, monga kusamutsa, kubweza mwachindunji kapena mitengo yamakhadi aku banki, wofananira amakulolani kufananiza mautumiki khumi osiyanasiyana ndikuwonetsa mpaka 6 zolemba zosiyanasiyana nthawi imodzi.
Wofananitsayo akuperekanso kutsatira kusinthika kwamitengo yamakampaniwo. Chida chowonetsera chokhala ndi mivi (mmwamba, pansi) kapena chikwangwani "=" (chosasunthika) chimaphatikizidwa muzotsatira zilizonse.
Kuphatikiza apo, poyendetsa mbewa pamitengo, kuchuluka kwa kuchuluka kapena kuchepa kumawonekera, mwachitsanzo: "+1 € kuyambira Januware 2021, XNUMX". Komabe, izi sizipezeka pa foni yam'manja kapena piritsi, koma pazokambirana kuchokera pakompyuta.
Onaninso: Chilichonse chomwe muyenera kudziwa za Paysera Bank, kuti mutumizire ndalama pa intaneti & Unikani: Zonse za Revolut, khadi yakubanki ndi akaunti yomwe imagwiritsidwa ntchito ndi anthu mamiliyoni ambiri
Zomwe muyenera kuchita ndikudzaza mtundu wa kukhazikitsidwa (zakuthupi, pa intaneti kapena zonse ziwiri) zomwe zimakusangalatsani, komanso dipatimenti yake. Kenako sankhani mpaka mitengo 6 kuti mufananize. Mukangodina katatu, zotsatira zake, zomwe zitha kutumizidwa kunja ndikusindikizidwa, zimawonekera ngati tebulo. Umu ndi momwe:
- Pitani patsamba www.tarifs-bancaires.gouv.fr
- Kufika pa tsamba loyamba la tsambalo. zomwe zimagwirizana ndi tabu "Sakani". sankhani mtundu wa malo omwe mukufuna kuyikapo pakufufuza kwanu (chinthu chimodzi zotheka):
- mabanki kapena opereka chithandizo malipiro ndi mabungwe mabanki kapena opereka malipiro Intaneti utumiki boma mafakitale ndi malonda kukhazikitsidwa (EPIC) establishments onse.
- Sankhani dipatimenti yanu (chosankha chimodzi nchothekera) kuchokera pamenyu yotsitsa kapena podina dipatimenti yomwe ikufunsidwa mu hexagon (kapena pazilumba za kunja kwa dipatimenti) pansipa.
- Sankhani mitengo ya banki kuti mufananize. Mutha kusankha mpaka 6 pa kompyuta ndi piritsi kapena mpaka 3 pa foni yam'manja. Ngati mukufuna kudziwa tanthauzo la mitengoyi musanazichotse, dinani pazizindikiro zofiira pafupi ndi mtengo uliwonse kuti mufotokoze.
