Kuenzaniswa kweMabhangi Akanakisa Pamhepo: Nhasi tichaongorora uye enzanisa akanakisa emabhangi edhijitari muEurope izvo zvinokutendera iwe kuti ugadzire account pane yako smartphone mune isingasvike maminetsi gumi.
Kukwikwidza mabhanga eEuropean anosiyana kubva kune mumwe nemumwe maererano nemari, chengetedzo, pamwe nerutsigiro rwemari dzakasiyana dzekudyara nemasevhisi.
Tine Wongorora mitengo, zvigadzirwa, dhizaini, mabhenefiti, chengetedzo, nezvimwe. Isu takavaisa uye takavaedza kuti usatombofanira. Ngatinyurirei mune rondedzero yemabhangi ekuEurope epamhepo akanakisa, kana zvasvika kumatambudziko edhijitari uye tiongorore imwe neimwe kukubatsira iwe kuwana iyo inonyatso kusangana nezvinodiwa zvako.
Kana uri kutsvaga yakanakisa online bhengi iyo inokutendera iwe kubata ako emabhangi maakaundi paInternet zvakapusa uye nekukurumidza, kunyanya pane nhare, saka iwe uri munzvimbo chaiyo. Muchirongwa ichi, tinopa kwauri kuenzaniswa kwemabhangi epamhepo akanakisa mu2020.
Nhungamiro: Ungasarudza sei yakanakisa online bhengi?
Mabhanga epasi rese, echinyakare mabhangi, anowirirana mabhangi, epamhepo mabhengi uye achangopfuura neobanks, kunyangwe aine akanaka muenzanisi zvinova zvakaoma kusarudza! Mabhangi mazhinji uye mazhinji ari kuvhura paInternet.
Izvi zvinogona kuturikira mumitengo iri nani uye makomisheni akaderera, asi kwete ese mabhangi anopa zvigadzirwa online zvinoita zvakafanana; izvi ndizvo zvekutarisa kuti utange kuita yako sarudzo ye digital banking.
Kubhengi kwepamhepo kwave kuitika, muchikamu chikuru nekuti anoshanda, kupomera zvisina musoro kuri nyore zvakare kudzivirira. Hazvina kujairika kuti mabhanga makuru abhadharise madhora makumi matatu kana kudarika pamwedzi, kunyangwe iwe uri mutengi akasarudzika, uye kunyangwe vari kutoita mari vakabata mari yako.
Kana izvi zvichikupengesa, inogona kunge iri nguva yekutsvaga online bank. Asi unosarudza sei zvakanakisa?
Mhedzisiro # 1: Mariro akaderera sezvinobvira
Chimwe chezvikonzero chikuru zvekusiya nyika yemabhangi mahombe ndeye mitero yebasa yemarudzi ese : mari yebasa, mubhadharo wepamwedzi, mari yeATM, mari yekuwedzeredza, nezvimwe.
Saka zvine musoro kuti mabhizimusi epamhepo anoda kukwikwidza nekuchengeta fizi iri padhuze ne zero sezvinobvira. Saka zvine musoro kuti mabhizimusi epamhepo anoda kukwikwidza nekuchengeta fizi iri padhuze ne zero sezvinobvira.
Asi mamwe masevhisi anogona kunge aine muripo, uye kana iwe uchinyatsopesana nemubhadharo, tarisa kana bhangi rine zvishoma dhipoziti zvinodiwa kana yakajairwa faindi yekudhinda.
Chinongedzo # 2: Kuchengeteka kwakasimba
Pfungwa yechipiri yekufunga nezvayo pakusarudza akanakisa emabhangi epamhepo ndeaya kuchengetedzeka kweakaundi yako / mari. Hakusati kwave nepamhepo kubhangi kubheka uko kwaita misoro yemusoro parizvino, asi zvakaitika nemawebsite e bitcoin uye munguva iyo eBay ne Target vese vakawirwa nekubiwa. Data, zvinobatsira kubvunza mabhenji ako epamhepo anogara sei kumberi kwekubira.
Izvo hazvigoneke kurasikirwa nemari, epamabhangi epamhepo anotsigirwa nemasangano akaita seayo ECB. Asi panogara paine mukana wekuti ruzivo rwako rwuratidzwe uye ruwanikwe.
Izvo zvinofanirwa kucherechedzwa kuti cyberattack dzinopesana nemabhizimusi madiki dzakapetwa kaviri pakati pegore ra2011 na2013, kubva pa18% kusvika pa31%, sekureva kwaDamian Caracciolo, mutevedzeri wemutungamiri weCBIZ, kambani inopa masevhisi ekuona nezveinishuwarenzi uye mabhenefiti.
Mhedziso # 3: Unhu hwevatengi rutsigiro
Kungoti bhengi rinopa 24/24 rutsigiro rwevatengi uye vamiririri vapenyu parunhare hazvireve kuti sevhisi haina mutsindo.
Iyo inogara iri zano rakanaka kutarisa peji rebhanga reFacebook kana mawebhusaiti senge TrustPilot kuziva nezve nhoroondo yebhangi. Izvo zvakati, kuwana kunogona zvakare kukanganisa sevhisi, sezvo iwe usingazive paunenge uchizoda kutaura nemumwe munhu.
Chinongedzo # 4: Kuchinjika
Iwe ungafunge kuti ese epamhepo mabhangi ane smartphone app, asi hachisi chokwadi. Sezvataona, 24 awa vatengi uye vapenyu vanoshanda havana kupihwa, uye iyo ATM network inogona kuve diki kana hombe.
Mutauro zvakare chiyeuchidzo chekuchinjika kunofungidzirwa pakusarudza akanakisa emabhangi epamhepo, panguva yekutsvaga kwangu kunyora chinyorwa ichi ndakaona mabhengi epamhepo, muSerbia semuenzaniso, iine mutauro mumwe chete usingagone kunzwisisa izwi re sen semumwe mutorwa, edza Kuona kuti bhangi riripo muchiFrench kana Chirungu usati wanyoresa!
Zvichienderana nezvinonyanya kukosha, tenga-tenga kuti uwane bhangi rinokodzera zvakanyanya runyorwa rwezvinhu zvisingatauriki.
Mhedzisiro # 5: Chigadzirwa chakasiyana
Maitiro iwe aunosangana nawo epamhepo bhengi zvinoenderana zvakanyanya pa zvako zvekutanga zvaunoda.
Usafunge kuti online bhengi inopa yekutarisa masevhisi, uye usanyengerwe kana bhangi richiti rine rakadzoreredzwa zvakanaka pane maCD nemadhipoziti, nekuti mumabhangi ese mareti aya anove madiki zvakadaro, uye haambovi imwe nzira yekudyara
Iwe tsvaga nzvimbo yaunogona kupaka uye kufambisa mari yako zviri nyore, usingazvinyengere nekuita "kuuraya" panodzoka gore rimwe nerimwe pa1,15%.
Chinongedzo # 6: Kureruka kwekuvhura account
Tekinoroji yepamusoro haina kufanana neiyo kumhanya kwazvo. Mune mamwe mabhengi epamhepo, kuvhura account kuri nyore kutaura pane kuita.
Sezvo iwe uchitsvaga pawebhu, iwe unowana kuongororwa kwe online kubhengi, uye pane mukana wakanaka wekuti vatengi vanoverengeka vakanyora kuti havasi kufara nezvakaitika kwavari.
Saka kana iwe ukaona mhirizhonga yemafomu asina musoro uye zvinodikanwa zvinokambaira mukati, tendeuka muswe uye umhanye kubhangi riri padhuze repamhepo.
Mumabhangi akanakisa epamhepo, kuvhura account kuri nyore sekupa yako yega data uye kutonga uye kufambisa manhamba eakaundi account yebhangi. Zvaita.
Kufananidza kweMabhangi Akanakisa Pamhepo (2021)
Nhasi, ruzhinji rwevatengi vemabhengi vanoita kubhengi kwavo online, pane avo mafoni, kana musanganiswa wevaviri, maererano neshumo rapfuura. PwC kuongorora pane digital banking.
Uye zvakare, kuvharwa kukuru kwebazi remabhangi, kunyangwe kwechinguvana, panguva yedambudziko re COVID-19 kwakaburitsa vatengi vazhinji kubhenefiti yepamhepo kubhengi, ingave sechikamu chehukama hwavo hwechivanhu kubhengi kana ne online bank chete.
Kuenzanisa kwedu kwemabhangi epamhepo akanakisa e2020 anojekesa hunhu hweakanyanya kupihwa kubhengi rega rega repamhepo muEurope:
1.TransferWise: Rakanakisa repamhepo kubhengi nemari zhinji uye maakaundi asina maakaundi
Kukwezva kukuru kwe ShanduraIndaneti inorara mukati maro yakachipa pasi rese mari inochinjisa and mwanakomana yemahara isina muganho yakawanda-mari yebhangi account.
Transferwise inowanikwa mune isingasviki pane Nyika 144 pasirese, uye app yayo inotsigira 57 mari panguva yekunyora kuongorora kwedu kwemabhangi epamhepo epamhepo.
Nayo accountless isina muganho, iwe unozowana rako wega bhangi ruzivo muUS, UK, Europe, New Zealand neAustralia zvisinei nenzvimbo yako yazvino pakati penyika dzakatsigirwa.
Izvi zvinoita TransferWise sarudzo huru kune vasiri-vagari, varimi, kana varidzi vemabhizinesi madiki vari kutsvaga kuvhura account kubhangi pane imwe kondinendi, senge United States.
Uye zvakare, TransferWise inowana zvibodzwa zvakaringana pachiyero chemubhadharo, sezvo pasina mhosva yekuvhura account, kuendesa kadhi kana kuchengetedza account.
Mari zhinji inotsigirwa neTransferWise inopa imwe sarudzo: kuchinjisa kubhangi kubva kubhangi kuenda kune rimwe. Kune dzimwe mari unogona kubhadhara nedebit uye makadhi echikwereti kana kushandisa sarudzo yekuchinjisa SOFORT, Apple Pay kana Android Pay inowanikwawo kune dzimwe mari kuburikidza neTransferWise iOS neApple maapp. Muzviitiko zvakawanda, iye anogamuchira anowana mari mukati rimwe kana maviri mazuva ekushanda.
TransferWise isarudzo huru yekushandurwa kwemari yepasirese, ivo vanozivikanwa nebasa ravo rakanakisa revatengi, vane ongororo huru paTrustpilot, uye vanopa kukurumidza kuchinjisa. Uye icing pane keke? Ivo zvakare vanopa inoshamisa mushandisi ruzivo, kubva pane nyore kunyoresa maitiro kune anoshanda mashandisiro.
Vamwe vashandisi vakafadzwa kwazvo zvekuti vakafunga kuti zvaive zvakanyanya kunaka kuva chokwadi.
Zvakanakira zvakakosha zveTransferWise:
- Yemahara multi-mari bhangi account
- Yako pachako mabhangi ruzivo kusanganisira UK account nhamba uye SORT kodhi; EU SWIFT / BIC uye IBAN nhamba; U.S. Routing Nhamba (ABA) uye Akaundi Nhamba
- Bata uye shandisa mune anopfuura makumi mashanu emari
- Inowanikwa munyika makumi mashanu
- Hapana mwero wekutsinhana wezinga
- Yakaderera uye yakajeka miripo (huwandu hunotarisana nemari mbiri)
- Yemahara nyanzvi account
- Yakanakisa chiyero paTrustpilot: 4,6 (82 ongororo)
- Mvumo yemagetsi mari, inodzorwa neFederal Supervisory Authority
- Nguva yekuvhura account: 5 maminetsi
- Bhengi rinobata mari: Barclays, Wells Fargo
Zvatisingade nezve TransferWise :
- Unogona chete kutumira kubhangi account
- Haasi ese nyika uye mari zvakafukidzwa neBorderless Akaunti, asi TransferWise inogara ichiwedzera zvimwe.
- Kunze kwekuchinjisa kubhengi account kunoenderana nemubhadharo mudiki, kazhinji uri pakati pe £ 0,50 / $ 1,30 / € 0,60.
- Kune miganho pane yakawanda sei iwe yaunogona kugamuchira mune yako isina muganho account.
TransferWise inzira huru yekuendesa mari pasi rese. kubhengi kwepamhepo kunosiyaniswa nekureruka kwayo uye nenyaya yekuti dzakanangana nemubhadharo uye nemari yauchazogashira kana waendesa.
Ivo zvakare vanopa premium yekusarudzika masevhisi senge Muganhu uye yavo Mastercard prepaid kadhi, izvo zvingakufadze.
Tsvaga - Chinzvimbo: Ndeapi mabhangi akachipa muFrance?
2.N26: Best Online Banking yeVafambi
Nzanga yeGerman N26 Est sarudzo yekutanga yevafambi uye varidzi vemabhizinesi madiki uyo anoda kuvhura remahara bank account yakavharwa nedhipatimendi reinishuwarenzi.
N26 ndeimwe yemabhangi edhijitari ekare muEurope, uye pamusoro pemakore iro bhangi rakwezva mamirioni evatengi vatsva. Iye zvino anoshanda Nyika 22 uye unogona kutumira mari ku 19 akasiyana emari. Zvisinei, iyo nhoroondo inogona kungova nemari imwechete: euro.
N26 igerman neobank, inotungamirwa muBerlin, Germany. N26 parizvino inopa masevhisi ayo munzvimbo dzinoverengeka dzeNhengo dzeSingle Euro Kubhadhara Nzvimbo uye muUnited States. Zviitiko muUK zvakamiswa muna Kubvumbi 2020 nekuda kwekusagadzikana pamusoro pebasa reBrexit.
Wikipedia
Vazhinji vatengi veN26 vanosarudza chimwe chezvinhu zviviri zvinotevera: iyo yakajairika N26 kana N26 Nhoroondo account. Iyo yakajairwa N26 account haina mari yemwedzi, nepo iyo N26 Nhoroondo account inodhura 5,90 euros pamwedzi.
Maakaundi ese ari maviri anokupa iwe kune MasterCard, iyo iwe yaunogona kushandisa kune chero mutengesi munyika inogamuchira MasterCard. Nepo imwe mumabhangi maviri nemakadhi echikwereti achitora mashoma muzana poindi kana uchigadzirisa yako yekunze mari kuendesa, iyo N26 inoenda inopesana nezviyo.
Kutenda kubatana kwaN26 na ShanduraIndaneti, kuendesa kunoitwa pakati-pamusika mwero, pasina chiyero chekuchinjana-kukwirisa, uye zvese zvekunze zviitiko zvinoitiswa pamwero wepakati-wemusika.
Munguva yebvunzo yekuenzanisira emabhangi akanakisa epamhepo, isu tine izvo N26 inopa zvinotevera:
- Iine rezinesi reEU kubhanga: Guarantee yemadhipoziti anosvika ku100 euros (kune vanhu nemakambani)
- Akasununguka bhizinesi account nemari kumashure pane zvese zvakatengwa
- 5 yemahara kubvisa pamwedzi kubva kumuchina weATM
- Kubhadhara mahara mune chero mari yekunze
- Inishuwarenzi sarudzo dzakabatanidzwa muzvikamu zveprimiyamu (kufamba uye zvekurapa)
- Yakachengeteka 3D Mastercard
- Hapana diki dhipoziti
- Patsanura maakaundi-maakaundi ekugadzirisa mashandisiro ako uye kuchengetedza
- Inotongwa neBaFin
- Deposit vimbiso: 100 euros
- Nguva yekuvhura account: Inenge maminetsi masere
- Bhengi rinobata mari: Bhengi N26
Asi iyi haisi avhareji 'ava vakomana vanotyisa' mhando wongororo - kunyatso kuongorora kwevatengi chaiko (kunyanya ongororo dzisina kunaka) tinowana chokwadi chekushandisa iyo N26.
Izvo zvakanakira N26:
- Zvisingatarisirwi kunze kweUK
- 24/24 rutsigiro rwefoni haruwanike
- Zvishoma kuEurope neUnited States
- Zvinogona kuitika zvekusimudza nyaya
Pakazara, tinogona kutaura kuti N26 iri rimwe remabhangi epamhepo eEuropean online, kune vafambi uye varidzi vemabhizinesi madiki, iro bhangi rinopa mazhinji ezvakajairika mashandiro ebhengi rakajairwa, asi nenzira yakazara yedhijitari.
Ongorora: Zvese zvaunoda kuti uzive nezve Skrill kutumira mari kunze kwenyika mu2020
Kubva pamari inobviswa paATMs kuenda kune dzimwe nyika mari inochinjiswa pamitengo yakaderera kwazvo, vane zvakawanda zvekupa.
3. Revolut: Bhengi rakakura redhijitari nemari yemahara uye maturusi ekudyara
Yetatu pane yedu yekuenzanisa runyorwa rweakanakisa epamhepo mabhangi ari Revolut, iyi UK-based tech kambani inopa banking services, zvakaita se makadhi ekubhadharirwa mari, yemahara stock kutengesa, yemahara mari yekutsinhana, pamwe nekunyorera sevhisi uye P2P kubhadhara.
Revolut yakatanga muna Chikunguru 2015 naNikolay Storonsky, aimbove mutengesi aishanda kuLehman Brothers neCredit Suisse, naVlad Yatsenko, avo vakambovaka masisitimendi emari mumabhangi ekudyara.
Revolut yakatanga sekadhi rakabhadharwa uye app yaibvumidza vafambi kutendeuka kubva kune imwe mari kuenda kune imwe zvisingadhuri. Izvo zvakamuka kubva mumatambudziko akasangana naStoronsky nezviripo zviripo zvekutsinhana zvigadzirwa. Kubva ipapo, kambani yakawedzera huwandu hwayo hwezvigadzirwa nemasevhisi.
Iyo mobile application ine zvakawanda zvakanaka, inosanganisira muongororwo wemari inoshandiswa pamari imwe neimwe, maturusi ebhajeti, kuchengetedza musvinu, maakaundi akachengeterwa ekuchengetedza, nepo Mastercard inoperekedzwa ichiuya ne3D Kuchengetedzwa kwepamhepo pamhepo uye huwandu hwenzvimbo dzekuchengetedza.
Kuverenga zvakare: Zvese nezveRevolut, kadhi rekubhangi uye account inoshandiswa nemamirioni avanhu
Revolut inopa matatu marudzi emaakaundi kune vanhu - imwe yemahara account uye maviri akabhadharwa maakaundi - uye inotsigira inosvika makumi maviri nemana mari dzakasiyana. Iko hakuna muganho kuhuwandu hwemari yako, uye inowanikwa mune dzinopfuura makumi matatu nyika.
Zvakanakira zvakakosha zveRevolut:
- Mikana yekubata kusvika makumi maviri neshanu emari emahara
- 0% mubhadharo pamari yekutsinhana
- Kushandisa mahara uye maATM kubviswa mune anopfuura zana nemakumi mana emari (mazuva evhiki chete)
- Mahara epasirese anotamisa
- Shanduko yemahara yekugovana: Kusvika kune vatengesi vasere pamwedzi
- Instant kadhi top-ups kubva kuaccount yako yezuva nezuva
- Minimum dhipoziti: Hapana
- Yakabatanidzwa crypto nzira yekutengesa
- Yemahara yekufambisa inishuwarenzi yeVatengi vePrimiyamu neMatare
- Rezinesi: Mari yemagetsi, kubhengi; inodzorwa neCFA
- Kuyera paTrustPilot: 4.5
- Chikumbiro chekushandisa: 4.8
- Bhengi rinobata mari yako: Barclays, Lloyds
Mwero wekudzora pamwedzi kumaATM imari yezita, kunyanya kana uri kuenda kune imwe nyika kwaunoda kutakura mari.
Mune ino kesi, iwe unofanirwa kuzvibvunza iwe kana iyo mari yauchazobhadhara inodarika iyo yaunogona kuita pane iri pasi pekutsinhana mwero.
Pamwe chakanyanya kukanganisika kweRevolut ndechekuti harisi rakabvumirwa bhangi, zvinoreva kuti vatengi varo havana kudzivirirwa neFSCS.
Mhedziso: Sarudza bhangi repamhepo
Sezvambotaurwa pamusoro, mukana wenyore uye nekukurumidza kuvhura online bank account ndeimwe ye Zvakanakisa zvikuru kubhengi repamhepo. Kunyangwe isu tichitarisa pamakwikwi emabhangi eEuropean, mazhinji acho anoramba achikwanisa inopa masevhisi kune vasiri vemuEuropean vagari.
Kuverenga zvakare: Zvese zvaunoda kuti uzive nezvePaysera Bank, kuendesa mari pamhepo & 20 Yakanakisa Yemahara Real Estate Rondedzero Sites Kuti Utenge, Rent & Tengesa Pamhepo
Mabhangi echinyakare nemabhangi epamhepo zvese zvine zvazvakanakira Chaizvoizvo, ndezvekuona kana masevhisi nekubata kwechitinha nedhaka zvichipfuura mitengo inowanzo kwira, maererano nemutero wakaderera nemari yakawanda yemasevhisi.
Izvo zvakakodzerawo kufunga nezvazvo paradzanisa chiitiko chako pakati pezviviri. Ichokwadi kuti iyi gadziriro inogona kunge isingaite iwe, uye mutengo wekuchengetedza maakaundi akawanda inogona kunge iri dambudziko.
Asi kuve nemaakaundi kubhangi rechinyakare uye kubhengi repamhepo kunogona kukupa zvakanakisa zvepasirese - mitengo yemubhadharo yakakwira uye kuwana rubatsiro rwemu-munhu.kutenga kwako nezvinetso kana uchizvida.
Kana iwe uine mamwe emabhangi epamhepo kuwedzera kune yedu yekuenzanisa runyorwa rweakanakisa epamhepo mabhangi, ndokumbira utidonhedze mutsetse muchikamu chemashoko. Kutenda nekumira, uye usakanganwa kugovera chinyorwa!
