Kuwongolera: Kuyerekeza Mabanki Abwino Kwambiri Paintaneti (2021)

Kuyerekeza kwa Mabanki Abwino Paintaneti: Lero tikambirana ndi yerekezerani ndi mabanki abwino kwambiri ku Europe zomwe zingakuthandizeni kuti mupange akaunti pa smartphone yanu pasanathe mphindi 10.

Mabanki aku Europe omwe akupikisana amasiyana wina ndi mnzake malinga ndi chindapusa, chitetezo, komanso kuthandizira chuma ndi ntchito zosiyanasiyana.

Ife tiri adawunikiranso mitengo, malonda, mapangidwe, maubwino, chitetezo, ndi zina zambiri. Tayika ndikuwayesa kotero simuyenera kutero. Tiyeni tilingalire pamndandanda wamabanki abwino kwambiri aku Europe pa intaneti, zikafika pazovuta zama digito ndikuzifufuza m'modzi ndi m'modzi kukuthandizani kupeza yomwe ikukwaniritsa bwino zosowa zanu.

Ngati muli kuyang'ana banki yabwino kwambiri pa intaneti zomwe zimakupatsani mwayi wosamalira maakaunti anu akubanki pa intaneti mosavuta komanso mwachangu, makamaka pafoni, ndiye kuti muli pamalo oyenera. Mu bukhuli, tikukuwonetsani kuyerekezera kwa mabanki abwino kwambiri pa intaneti ku 2020.

Kuwongolera: Kodi mungasankhe bwanji banki yabwino kwambiri pa intaneti?

Mabanki apadziko lonse lapansi, mabanki achikhalidwe, mabanki onse, mabanki apaintaneti komanso ma neobanks aposachedwa, ngakhale mutakhala ndi woyerekeza wabwino zimakhala zovuta kusankha! Mabanki ochulukirachulukira akuyambitsa intaneti.

Izi zitha kumasulira kukhala mitengo yabwinoko ndi mabungwe ocheperako, koma si mabanki onse omwe amapereka zinthu pa intaneti amachita zomwezo; izi ndi zomwe muyenera kuwunika kuti muyambe kupanga banki yadijito kusankha kwanu.

Banki yapaintaneti yakwaniritsidwa, kwakukulukulu chifukwa ndi othandiza kwambiri, milandu yopanda pake ndiyosavuta kupewa. Sizachilendo kuti mabanki akulu azilipiritsa $ 30 kapena kupitilira apo pamwezi, ngakhale mutakhala kasitomala wapadera, ngakhale atakhala kuti akupanga kale ndalama zanu.

Ngati izi zikukuyambitsani misala, itha kukhala nthawi yoti mupeze banki yapaintaneti. Koma mungasankhe bwanji zabwino kwambiri?

Muyeso # 1: Mtengo wotsika momwe ungathere

Chimodzi mwazifukwa zazikulu zosiya dziko la mabanki akulu ndi zolipiritsa za mitundu yonse : ndalama zothandizira, zolipiritsa pamwezi, zolipira ATM, zolipirira zambiri, ndi zina zambiri.

Chifukwa chake ndizomveka kuti mabanki apaintaneti akufuna kuchita mpikisano posunga chindapusa pafupi kwambiri ndi zero momwe zingathere. Chifukwa chake ndizomveka kuti mabanki apaintaneti akufuna kuchita mpikisano posunga chindapusa pafupi kwambiri ndi zero momwe zingathere.

Koma ntchito zina zitha kulipidwa, ndipo ngati mukutsutsana ndi chindapusa, onaninso ngati banki ili ndi zosowa zochepa kapena zolipiritsa.

Muyeso # 2: Chitetezo champhamvu

Njira yachiwiri yomwe mungaganizire posankha mabanki abwino kwambiri pa intaneti ndi Chitetezo cha akaunti yanu / ndalama. Sipanakhalepo kubera kubanki pa intaneti komwe kudakhala mutu wankhani pano, koma zachitika ndi mawebusayiti a bitcoin komanso munthawi yomwe eBay ndi Target akhala akuzunzidwa. Deta, ndikofunikira kufunsa momwe banki yanu yapaintaneti imakhala patsogolo kwambiri pobera.

Ndizosatheka kutaya ndalama, mabanki paintaneti amathandizidwa ndi mabungwe ngati ECB. Koma nthawi zonse pamakhala kuthekera kwakuti chidziwitso chanu chidzawululidwa ndikugawana nawo.

Tiyenera kudziwa kuti kuwukira kwa mabizinesi ang'onoang'ono pafupifupi kawiri kuwirikiza pakati pa 2011 ndi 2013, kuyambira 18% mpaka 31%, malinga ndi Damian Caracciolo, wachiwiri kwa purezidenti wa CBIZ, kampani yomwe imapereka ntchito zothandizira ma inshuwaransi ndi maubwino.

Muyeso # 3: Makasitomala othandizira abwino

Chifukwa banki imapereka 24/24 kasitomala othandizira komanso oimira amoyo pafoni sizitanthauza kuti ntchitoyi ndiyabwino.

Nthawi zonse ndibwino kuti musakatule patsamba la kubanki la Facebook kapena masamba ena monga Trustpilot kuti mudziwe za mbiri ya banki. Izi zati, kupeza mwayi kumathandizanso kugwira ntchito, chifukwa simudziwa nthawi yomwe muyenera kuyankhula ndi munthu wina.

Muyeso # 4: Kusinthasintha

Mukuganiza kuti mabanki onse apaintaneti ali ndi pulogalamu ya smartphone, koma sizowona. Monga tawonera, ma 24 maola ogwiritsira ntchito makasitomala ndi omwe amakhala ndi moyo sanapatsidwe, ndipo netiweki ya ATM itha kukhala yaying'ono kapena yayikulu.

Chilankhulocho ndichimodzimodzi chosinthira chomwe chingaganizidwe posankha mabanki abwino kwambiri pa intaneti, nthawi yanga yofufuza kuti ndilembe nkhaniyi ndidawona mabanki apaintaneti, ku Serbia mwachitsanzo, ali ndi chilankhulo chimodzi chokha chovuta kumvetsetsa mawu achisilamu. ngati mlendo, yesani kutsimikizira kuti banki ilipo mu French kapena Chingerezi musanalembetse!

Kutengera ndizofunikira kwambiri, gulitsani kuti mupeze banki yomwe ikugwirizana bwino ndi mndandanda wazinthu zomwe sizingasinthidwe.

Muyeso # 5: Zosiyanasiyana pazinthu

Momwe mumalumikizirana ndi banki yapaintaneti zimadalira kwambiri zosowa zanu zoyambirira.

Musaganize kuti banki yapaintaneti imapereka ntchito zowunika, ndipo musanyengedwe pamene banki imati imalandira zabwino zonse pa ma CD ndi ma depos, chifukwa m'mabanki onse zobwezerazi ndizocheperako, ndipo sizowonjezera njira zopezera ndalama.

Mukuyang'ana malo omwe mungayimire ndikusuntha ndalama zanu mosavuta, osadzinyenga nokha mwa "kupha" pobweza pachaka kwa 1,15%.

Muyeso # 6: Momasuka kutsegula akaunti

Tekinoloje yapamwamba siyofanana ndi kuthamanga kwambiri. M'mabanki ena apaintaneti, kutsegula akaunti ndikosavuta kunenedwa kuposa kuchita.

Mukamayang'ana pa intaneti, mupeza ndemanga zamabanki apaintaneti, ndipo mwayi makasitomala angapo alemba kuti sakukhutira ndi zomwe akumana nazo.

Chifukwa chake ngati muwona mitundu yambiri ya zoseketsa ndizofunikira zikungolowa, tembenuzani mchira ndikuthamangira ku banki yapafupi yapaintaneti.

M'mabanki abwino kwambiri pa intaneti, kutsegula akaunti ndikosavuta monga kupereka zambiri zanu ndikuwongolera ndi kuwongolera maakaunti a banki omwe alipo kale. Zachitika.

Kuyerekeza kwa Mabanki Opambana Paintaneti (2021)

Masiku ano, makasitomala ambiri amabanki amabanki awo pa intaneti, pa mafoni awo, kapena kuphatikiza ziwirizi, malinga ndi zaposachedwa Kafukufuku wa PwC pa banki yadijito.

Kuphatikiza apo, kutsekedwa kwa nthambi zazikulu kubanki, ngakhale kwakanthawi, munthawi yamavuto a COVID-19 kwawonetsa ogula ambiri zabwino zamabanki apaintaneti, kaya ndi gawo la ubale wawo wabanki kapena ndi banki yapaintaneti yokha.

Kuyerekeza kwathu kwa mabanki abwino kwambiri pa intaneti 2020 kumafotokoza momwe zomwe banki iliyonse yapaintaneti ikuchitira ku Europe:

1. TransferWise: Banki yabwino kwambiri yapaintaneti yokhala ndi ndalama zambiri komanso maakaunti opanda malire

Chokopa chachikulu cha Sindikizani lagona mmenemo wotchipa mayiko mayiko ndalama neri mwana akaunti ya banki yama banki ya ndalama zambiri yopanda malire.

Njira zosinthira zilipo zosachepera Mayiko 144 padziko lonse lapansi, ndipo pulogalamu yake imathandizira 57 ndalama panthawi yolemba ndemanga zathu zamabanki abwino kwambiri pa intaneti.

Ndi akaunti yopanda malire, mupeza ndalama zanu kubanki ku US, UK, Europe, New Zealand ndi Australia mosatengera komwe muli m'maiko othandizidwa.

Izi zimapangitsa TransferWise chisankho chabwino kwa osakhala, osunga ndalama, kapena eni mabizinesi ang'onoang'ono omwe akufuna kuti atsegule akaunti yakubanki kudziko lina, monga United States.

Kuphatikiza apo, TransferWise ipeza kuchuluka bwino pamalipiro, popeza palibe chindapusa chilichonse potsegulira akaunti, kupereka khadi kapena kusunga akaunti.

Ndalama zambiri zothandizidwa ndi TransferWise zimapereka njira imodzi: kusamutsa kubanki kuchokera ku banki kupita ku ina. Kwa ndalama zina mutha kulipira ndi ma debit ndi ma kirediti kadi kapena kugwiritsa ntchito njira yosamutsira SOFORT, Apple Pay kapena Android Pay imapezekanso pamayiko ena kudzera pa TransferWise iOS ndi mapulogalamu a Android. Nthawi zambiri, wolandirayo amalandila ndalama mu tsiku limodzi kapena awiri ogwira ntchito.

TransferWise ndichisankho chabwino posamutsa ndalama padziko lonse lapansi, amadziwika ndi ntchito yawo yabwino kwambiri yamakasitomala, amakhala ndi ndemanga zabwino pa Trustpilot, komanso amasintha mwachangu. Ndipo kuyika keke? Amaperekanso mwayi wogwiritsa ntchito mochititsa chidwi, kuyambira njira zolembetsa zosavuta kusamutsa bwino.

Ogwiritsa ntchito ena adachita chidwi kotero kuti amaganiza kuti zinali zabwino kwambiri kuti zisakhale zoona.

Ubwino waukulu wa TransferWise:

• Akaunti ya banki yamitundu yambiri yaulere
• Zambiri zaku banki kuphatikiza nambala yaakaunti yaku UK ndi nambala ya SORT; EU SWIFT / BIC ndi nambala ya IBAN; Nambala ya US Routing (ABA) ndi Nambala ya Akaunti
• Gwiritsani ndikuwononga ndalama zoposa 57
• Ipezeka m'maiko 144
• Palibe mtengo wowonjezera wosinthanitsa
• Malipiro ochepa komanso owonekera (kuchuluka kumadalira ndalama)
• Akaunti yaulere yaulere
• Malingaliro abwino pa Trustpilot: 4,6 (ndemanga 82)
• Ovomerezeka opangira ndalama zamagetsi, olamulidwa ndi Federal Supervisory Authority
• Nthawi yotsegula akaunti: Mphindi 5
• Banki yomwe imakhala ndi ndalama: Barclays, Wells Fargo

Zomwe sitimakonda za TransferWise :

• Mutha kungotumiza kuakaunti yakubanki
• Si mayiko onse ndi ndalama zomwe zimaphimbidwa ndi Akaunti Yopanda Malire, koma TransferWise nthawi zonse imawonjezera zina.
• Kusamutsa kwakunja ku akaunti yakubanki kumalipira ndalama zochepa, nthawi zambiri pamtengo wa $ 0,50 / $ 1,30 / € 0,60.
• Pali malire pamomwe mungalandire muakaunti yanu yopanda malire.

TransferWise ndi njira yabwino yosamutsira ndalama padziko lonse lapansi. banki yapaintaneti imasiyanitsidwa ndi kuphweka kwake komanso kuti ndizachindunji pamalipiro ndi ndalama zomwe mudzalandire mukasamutsa.

Amaperekanso ntchito zoyambira ngati Zopanda malire ndi awo Khadi lolipiriratu la Mastercard, zomwe zingakusangalatseni.

Dziwani - Udindo: Ndi mabanki otsika mtengo kwambiri ati ku France?

2.N26: Banking Yabwino Kwambiri Kwapaulendo

Gulu la Germany N26 Est chisankho choyamba cha apaulendo ndi eni mabizinesi ang'onoang'ono amene akufuna kutsegula akaunti yakubanki yaulere yokutidwa ndi inshuwaransi ya dipositi.

N26 ndi amodzi mwamabanki akale kwambiri ku Europe, ndipo kwa zaka zambiri banki yakopa makasitomala mamiliyoni ambiri atsopano. Panopa akutumikira Mayiko 22 ndipo mutha kutumiza ndalama ku 19 ndalama zosiyanasiyana. Komabe, akauntiyi imangokhala ndi ndalama imodzi: yuro.

N26 ndi neobank waku Germany, wokhala ku Berlin, Germany. N26 pakadali pano imapereka ntchito zake m'ma membala angapo amembala a Single Euro Payment Area komanso ku United States. Zochita ku UK zidayimitsidwa mu Epulo 2020 chifukwa chosatsimikizika pamachitidwe a Brexit.

Wikipedia

Makasitomala ambiri a N26 amasankha chimodzi mwazinthu izi: akaunti yabwinobwino ya N26 kapena N26 Black. Akaunti yovomerezeka ya N26 ilibe chindapusa pamwezi, pomwe akaunti ya N26 Black imawononga ma euro 5,90 pamwezi.

Maakaunti onsewa amakupatsani mwayi wokhala ku MasterCard, yomwe mungagwiritse ntchito kwa aliyense wogulitsa padziko lapansi amene amalandira MasterCard. Pomwe m'modzi m'mabanki awiri ndi ma kirediti kadi amatenga magawo ochepa pokonza ndalama zakunja, N26 imatsutsana ndi njere.

Tithokoze mgwirizano wa N26 ndi Sindikizani, kusamutsa kumakonzedwa pamsika wapakati pamisika, popanda kusinthitsa ndalama, ndipo zochitika zonse zakunja zimakonzedwanso pamisika yapakatikati.

Pakati pa kuyesa kuyerekezera mabanki abwino kwambiri pa intaneti, tili nawo N26 imapereka izi:

• Ali ndi chiphaso cha kubanki ku EU: Chitsimikizo cha madipoziti mpaka 100 mayuro (ya anthu ndi makampani)
• Akaunti yaulere ya bizinesi yokhala ndi ndalama kubweza pazogula zonse
• Kuchotsa kwaulere kwa 5 pamwezi pamakina ATM
• Malipiro aulere mumtundu uliwonse wakunja
• Zosankha za inshuwaransi zomwe zimaphatikizidwa m'mitundu yoyamba (kuyenda ndi zamankhwala)
• Otetezeka 3D MasterCard
• Palibe gawo lochepa
• Patulani maakaunti ang'onoang'ono oti muzisamalira ndalama zanu komanso ndalama zanu
• Yoyendetsedwa ndi BaFin
• Chitsimikizo Chosungitsa: 100 euro
• Nthawi yotsegula akaunti: Pafupifupi mphindi 8
• Banki yomwe imakhala ndi ndalama: Bank N26

Koma awa si avareji 'anyamata awa ndiabwino' kuwunika kwamtundu - kusanthula kuwunika kwamakasitomala enieni (makamaka ndemanga zoyipa) timapeza zenizeni zogwiritsa ntchito N26.

Zoyipa za N26:

• Mosayembekezeka kuchokera ku UK
• Thandizo la foni ya 24/24 silikupezeka
• Zochepa ku Europe ndi United States
• Zovuta zakubwezeretsanso

Ponseponse, titha kunena kuti N26 ndi amodzi mwa mabanki abwino kwambiri ku Europe pa intaneti, kwa apaulendo ndi eni mabizinesi ang'onoang'ono, banki imapereka zambiri pazomwe zimachitika kubanki yanthawi zonse, koma m'njira yadijito kwathunthu.

Unikani: Zomwe mukufunikira kudziwa za Skrill zotumiza ndalama kunja ku 2020

Kuchokera pakuchotsa ndalama kuma ATM kupita ku mayiko osamutsa ndalama pamitengo yotsika kwambiri, ali ndi zambiri zoti apereke.

3. Revolut: Banki yabwino kwambiri yadijito yokhala ndi ndalama zaulere komanso zida zogwiritsira ntchito

Chachitatu pamndandanda wathu wowerengera mabanki abwino kwambiri pa intaneti ndi Revolut, kampani yopanga ukadaulo iyi yaku UK imapereka ntchito zamabanki, monga makhadi olipiriratu, kugulitsa masheya kwaulere, kusinthitsa ndalama kwaulere, komanso ntchito yobisa ndi kulipira kwa P2P.

Revolut idayambitsidwa mu Julayi 2015 ndi Nikolay Storonsky, wamalonda wakale yemwe ankagwira ntchito ku Lehman Brothers ndi Credit Suisse, ndi Vlad Yatsenko, omwe kale adamanga ndalama m'mabanki azachuma.

Revolut adayamba ngati khadi yolipiriratu komanso pulogalamu yomwe imalola kuti apaulendo azisintha kuchoka ku ndalama imodzi kupita kwina popanda mtengo. Izi zidayamba chifukwa cha zovuta zomwe Storonsky adakumana nazo ndi zinthu zomwe zilipo kale zakunja. Kuyambira pamenepo, kampaniyo yakulitsa katundu ndi ntchito zake zosiyanasiyana.

Kugwiritsa ntchito mafoni kuli ndi zabwino zambiri, kuphatikiza kuwunikira momwe ndalama zimagwiritsidwira ntchito ndalama iliyonse, zida zogwiritsira ntchito bajeti, ndalama mwanzeru, maakaunti apadera osungira, pomwe Mastercard yomwe ikutsatira imabwera ndi zolipira zapaintaneti za 3D Zotetezedwa komanso zina zambiri zachitetezo.

Kuwerenganso: Zonse za Revolut, khadi yakubanki ndi akaunti yomwe imagwiritsidwa ntchito ndi anthu mamiliyoni ambiri

Revolut amapereka mitundu itatu yamaakaunti ya anthu payokha - akaunti yaulere imodzi ndi maakaunti olipira awiri - ndipo amathandizira mozungulira ndalama zosiyanasiyana za 24. Palibe malire pamlingo womwe mudasungitsa, ndipo umapezeka m'maiko oposa 30.

Ubwino waukulu wa Revolut:

• Kuthekera kosunga ndalama za 29 kwaulere
• 0% chindapusa pakusinthana kwa ndalama
• Kugwiritsa ntchito kwaulere ndi kuchotsera ATM m'mazinthu opitilira 140 (masabata okha)
• Kusintha kwaulere kwamayiko ena
• Kusinthana kwaulere: Kufikira amalonda 8 pamwezi
• Zowonjezera zamakhadi apompopompo kuchokera ku akaunti yanu ya tsiku ndi tsiku
• Osachepera gawo: Palibe
• Njira zophatikizira zophatikizira za crypto
• Inshuwaransi yaulere yaulere kwa makasitomala a Premium ndi Metal
• Chilolezo: Ndalama zamagetsi, kubanki; yoyendetsedwa ndi FCA
• Mavoti pa TrustPilot: 4.5
• Ntchito mlingo: 4.8
• Banki yomwe imakhala ndi ndalama zanu: Barclays, Lloyds

Malire okusiya mwezi uliwonse pa ATM ndi ndalama zochepa, makamaka ngati mukupita kudziko lomwe muyenera kunyamula ndalama.

Poterepa, muyenera kudzifunsa ngati zolipiritsa zomwe muyenera kulipira zimaposa zomwe mungapange pamtengo wosinthira.

Mwina choyipa chachikulu cha Revolut ndikuti si banki yovomerezeka, zomwe zikutanthauza kuti makasitomala ake satetezedwa ndi FSCS.

Kutsiliza: Sankhani banki yapaintaneti

Monga tafotokozera pamwambapa, kuthekera kwamosavuta komanso mwachangu tsegulani akaunti yakubanki pa intaneti ndi imodzi mwa zabwino zonse zakubanki pa intaneti. Ngakhale timayang'ana kwambiri pamipikisano yamabanki aku Europe, ambiri aiwo amatha kutero kupereka chithandizo kwa anthu omwe si Azungu.

Kuwerenganso: Chilichonse chomwe muyenera kudziwa za Paysera Bank, kuti mutumizire ndalama pa intaneti & Masamba 20 Opambana Omwe Mungagule Malo Kuti Mugule, Kubwereka & Kugulitsa Paintaneti

Mabanki achikhalidwe komanso mabanki paintaneti onse ali ndi zabwino zawo. Kwenikweni, ndikuti mudziwe ngati ntchito ndi kukhudza matumba ndi matope zimaposa mtengo wokwera kwambiri, potengera chiwongola dzanja chochepa ndi zolipiritsa zambiri, ntchito zamabanki zoperekedwa kumeneko.

Ndiyeneranso kulingalira Gawani zochitika zanu pakati pa ziwirizi. Ndizowona kuti makonzedwe awa sangakhale othandiza kwa inu, ndipo mtengo wokhala ndi maakaunti angapo utha kukhala vuto.

Koma kukhala ndi maakaunti kubanki yachikhalidwe komanso kubanki yapaintaneti kumatha kukupatsirani zabwino zonse - chiwongola dzanja chambiri komanso mwayi wothandizidwa ndi inu nokha chifukwa cha zomwe mwachita ndi mavuto mukamawafuna.

Ngati muli ndi mabanki ena aliwonse apaintaneti omwe mungawonjezere mndandanda wathu wamabanki abwino kwambiri pa intaneti, chonde tisiyeni mzere mgawo la ndemanga. Zikomo podutsa, ndipo musaiwale kugawana nawo nkhaniyi!