Bahlahlobi ba Litlhahlobo
Boemo ba libanka tse theko e tlaase Fora: Ho khetha banka ea hau ke ntho e u fang nako e telele! Ka hona, ho hlokahala hore u nahane ka hloko pele u nka khato. Haholo-holo kaha ho lula ho le thata ho fetola libanka. Ha ho bonolo ho fumana banka e nepahetseng. Sekhoeng sena sa litheko, hangata u tlameha ho sheba litlhoko tsa hau le boits'oaro ba hau ba banka ho hlahisa lenane le nepahetseng ka ho fetesisa.
Litefiso tsa banka ke tekanyetso ea bohlokoa ha u khetha banka e ntle ka ho fetisisa. Ka lebaka la litefiso tse feto-fetohang ho tloha bankeng e 'ngoe ho ea ho e' ngoe, re nkile qeto ea ho hlophisa mofuta ona molemong oa ho u thusa fumana libanka tse theko e tlaase ho fetisisa Fora bakeng sa selemo sa 2022. Tseba hore ho khetha banka e theko e tlaase e ka u bolokela ho feta 240€ ka selemo!
Lethathamo la tse kahare
Boemo ba libanka tse theko e tlaase ka ho fetisisa ka 2022
Mona ke lenane la libanka tse nang le litefiso tse tlase tsa banka ka 2022:
| Rang | banka | Litsenyehelo tsa selemo le selemo |
|---|---|---|
| 1er | Boursora Bank € 80 ha e buloa | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo €80 ha ho buloa | 27,98 € |
| 4e | BforBank | 40,28 € |
| 5e | Orange Bank € 80 ha e buloa | 49,43 € |
| 6e | Macif | 87,87 € |
| 7e | Banka ea AXA | 93,78 € |
| 8e | Hello Bank | 100,48 € |
| 9e | Mokitlane oa Tšebelisano | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| leshano | Allianz Bank | 134,59 € |
| 12e | Credit Agricole Normandy-Seine | 139,95 € |
| 13e | Monabanq € 160 ha ho buloa | 144,23 € |
| 14e | Mokitlane Agricole Touraine Poitou | 144,69 € |
| 15e | Banka ea poso | 145,41 € |
| 16e | Credit Agricole Ile-de-France | 146,28 € |
| 17e | Credit Agricole Centre-Ouest | 147,43 € |
| 18e | Credit Agricole Centre-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 | Mokitlane Agricole Charente-Maritime Deux-Sevres | 151,58 € |
| 24e | Mokitlane Agricole Reunion | 151,60 € |
| 25e | Credit Agricole Atlantic Vendee | 151,97 € |
| 26e | Mokitlane Agricole Center Loire | 152,11 € |
| 27e | Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Mokitlane 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 | Mokitlane Agricole Normandy | 162,97 € |
| 33e | Credit Agricole Alsace Vosges | 165,54 € |
| 34e | Mokoloto Agricole Toulouse 31 | 165,67 € |
| 35e | Caisse d'Epargne Grand Est Europe | 165,84 € |
| 36e | Mokitlane Mutuel Ocean | 166,66 € |
| 37e | Mokitlane Agricole Savoie | 166,80 € |
| 38e | Caisse d'Epargne Loire-Center | 167,31 € |
| 39e | Mokitlane Agricole Charente-Perigord | 167,91 € |
| 40e | Credit Agricole Ille-et-Vilaine | 167,96 € |
| 41e | Credit Agricole Cotes d'Armor | 168,23 € |
| 42e | Mokitlane Agricole Pyrenees Gascony | 168,33 € |
| 43e | Credit Agricole Languedoc | 168,58 € |
| 44e | Mokitlane Agricole Alpes Provence | 169,61 € |
| 45e | Credit Maritime Grand Ouest | 169,77 € |
| 46e | People's Bank Great West | 170,67 € |
| 47e | Setsi sa Mokitlane Mutuel Europe Bochabela | 171,50 € |
| 47e | Setsi sa Mokitlane Mutuel | 171,50 € |
| 47e | Mokitlane Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | Mokitlane Mutuel Mediterranean | 171,50 € |
| 47e | Credit Mutuel South East | 171,50 € |
| 47e | Mokitlane Mutuel Savoie-Mont Blanc | 171,50 € |
| 47e | Mokitlane 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 | Mokoloto Agricole Sud Rhône Alpes | 173,92 € |
| 59e | Banque Populaire Alsace Lorraine Champagne | 174,17 € |
| 60e | Mokitlane Mutuel Midi-Atlantique | 174,75 € |
| 61e | Mokitlane Agricole Val de France | 174,76 € |
| 62e | Caisse d'Epargne Aquitaine Poitou-Charentes | 175,70 € |
| 63e | CIC | 177,20 € |
| 64e | Mokitlane Mutuel Normandy | 177,50 € |
| 65e | Caisse d'Epargne Languedoc-Roussillon | 177,56 € |
| 66e | Credit Mutuel Antilles-Guyane | 178,53 € |
| 67e | Mokitlane Agricole Brie Picardy | 178,96 € |
| 68e | Caisse d'Epargne Hauts ea Fora | 179,46 € |
| 69e | Mokitlane Mutuel Sud-Ouest | 179,60 € |
| 69e | Normandy Savings Bank | 179,60 € |
| 71e | Credit Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | Mokitlane Mutuel Massif Central | 180,83 € |
| 74e | Credit Agricole Champagne-Bourgogne | 180,86 € |
| 75e | Mokitlane Agricole Lorraine | 181,03 € |
| 76e | Mokitlane Agricole Nord Midi-Pyrenees | 181,30 € |
| 77e | Auvergne le Limousin saving bank | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Credit Agricole South Mediterranean | 181,65 € |
| 80e | Chalus Bank | 181,79 € |
| 81e | Mokitlane 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 | Mokitlane Agricole Center Fora | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | Banka ea Batho ea Occitane | 187,10 € |
| 90e | Mokitlane 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 ha ho buloa | 192,34 € |
| 94e | Credit Agricole Morbihan | 192,72 € |
| 95e | Mokitlane Agricole Finistere | 192,80 € |
| 96e | Banka ea Batho 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 | Banka ea Batho ba Mediterranean | 194,19 € |
| 102e | People's Bank Guadeloupe | 194,24 € |
| 103e | Mokitlane Mutuel Brittany | 194,63 € |
| 104e | Caisse d'Epargne Brittany Pays de Loire | 197,05 € |
| 105e | Credit Mutuel Europe Leboea | 197,55 € |
| 106e | Mokoloto oa Maritime oa Mediterranean | 197,96 € |
| 107e | People's Bank South | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | LCL | 203,30 € |
| 111e | Rhône-Alpes Bank | 204,16 € |
| 111e | Kolb Bank | 204,16 € |
| 111e | Tarneaud Bank | 204,16 € |
| 111e | Banka Laydernier | 204,16 € |
| 111e | Mokitlane Leboea | 204,16 € |
| 111e | Courtois Bank | 204,16 € |
| 111e | Khamphani ea Mokoloto ea Marseille | 204,16 € |
| 118e | North People's Bank | 204,36 € |
| 119e | Banka ea Nuger | 204,86 € |
| 120e | BNP Paribas € 80 ha ho buloa | 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 € |
Joang ho khetha banka e nepahetseng?
Ho bala hape: Merero e 10 e Ntle ea Theko e Ntle ea Bophelo Bohle ka 2022
Ntho ea pele eo u lokelang ho e ela hloko ke litefiso tsa banka. Bapisa ba bangata ba hlahile Marang-rang, 'me ba ithaopela ho fumana limpho tse khahlang ka ho fetesisa tse ipapisitseng le boits'oaro ba hau ba banka ka lebaka la likarabo tsa hau tsa lipotso tse' maloa.
- Ka ho ithuta khafetsa litefiso tsa banka tsa meaho, ba hlahisa maemo ho tataisa bareki.
- Ho khetha banka e nepahetseng, ha ho na recipe ea mohlolo, empa ho e-na le hoo ke mokhoa o hlophisitsoeng oa ho latela.
- Banka e khethoa ho latela litlhoko tsa eona, mokhoa oa eona oa bophelo le boemo ba eona. Hang ha lintlha tsena li se li rarollotsoe, ho batla banka e nepahetseng ho ka qala.
Banka e nepahetseng ke banka e u loketseng hantle! Ho latela boemo ba motho ka mong le mokhoa oa hae oa bophelo, mofuta o mong oa banka o ka ba o loketseng ho feta o mong. Joale ke lintlha life tseo u lokelang ho li ela hloko ha u khetha banka ea hau?
- Lilemo tsa hau: ho itšetlehile ka lilemo, lihlahisoa le litšebeletso tse khethehileng li fanoa, tse kang karete ea ho lefa ea bacha.
- Boemo ba hau ba setsebi: seithuti, se mafolofolo. Retired… Bakeng sa setsebi, banka ea khoebo e ka 'na ea e-ba mofuta oa banka e mo loketseng ka ho fetisisa, ha ho mocha kapa seithuti, banka ea naha e etsa hore ho be bonolo ho laola litlaleho tsa hae ho pholletsa le Fora, ho sa tsotellehe hore na o ithutile hokae. .
Chelete ea hau:
- Ke chelete e kae?
- Na hangata ke pepesoa?
Voutu ea lefa:
- Boholo ba hae ke bofe?
- Na ke hloka Mookameli oa Leruo? Banka ea matsete e ka ba khetho e ntle haeba u na le leruo le leholo.
Khafetsa ea maeto a hau kantle ho naha: Na ke hloka mekhoa e khethehileng ea tefo kapa litšebeletso? Banka ea machaba e thusa haholo ts'ebetso ea libanka kantle ho naha.
Ho bala hape: CoinEx Exchange: Na ke sethala se setle sa phapanyetsano? Maikutlo le lintlha tsohle
Ho khetha banka ea hau: lintlha tseo u lokelang ho li sheba
Bakeng sa batho ba bangata, litheko tsa lits'ebeletso tsa banka ke tsona tse khethollang khetho ea banka ea bona. Ho phaella tabeng ena, ho hlahloba boleng, empa hape le mefuta-futa ea litšebeletso tse fanoang ke tsa bohlokoa.
Lintlha tseo u lokelang ho li hlahloba ha u khetha banka ea hau
- Litšebeletso tsa mantlha: ho bula, ho boloka le ho koala liak'haonte, ho romella litlaleho tsa akhaonto, likoloto tse tobileng, li-transfer, deposits, withdrawals, joalo-joalo.
- Litšebeletso tse ling tsa banka: thuso le tšireletso, inshorense, polokelo, joalo-joalo.
- Mekhoa ea ho patala: mefuta ea likarete, licheke, joalo-joalo.
- lihlahisoa tsa polokelo: li-passbook, inshorense ea bophelo, akhaonto ea li-passbook, UCITS, SICAV, joalo-joalo.
- Lihlahisoa / lits'ebeletso tsa mokoloto: likarete, topollo, likalimo...
- Litšebeletso tsa taolo ea li-account tse hole: Sebaka: na ho na le setsi haufi le nna? Ke bokae ba marang-rang a banka.
- Ikopanye le banka: mohala, inthanete, setsi..
- Likamano le banka: baeletsi ba teng: lihora tse 24 ka letsatsi?
- Moeletsi oa botho? Libali? ATM? Banka ea inthaneteng?
Litlhoko li ka amana le libaka tsa polokelo, sekoloto kapa 'maraka oa setoko
Ka mantsoe a hlakileng, ke hloka eng ho khetha banka ea ka?
- Ak'haonte ea hajoale ea ho amohela moputso oa ka?
- Ak'haonte e kopanetsoeng ho laola hantle litšenyehelo tse tloaelehileng tsa lelapa?
- Ak'haonte ea profeshenale e le karolo ea mesebetsi ea ka ea letsatsi le letsatsi?
- Mokhoa oa khale kapa oa motho oa ho lefa?
- Bakeng sa litlhoko tsa mantlha tsa sehlahisoa: libanka tse kholo, tse tsejoang e le "libanka tsa khoebo", li fana ka lihlahisoa le lits'ebeletso tse fihlelang litlhoko tsa bareki ba bangata.
- Litšebeletso tsa motho ka mong kapa tse tloaelehileng?
- Ho rua molemo ho lihlahisoa le litšebeletso tsa lichelete tsa motho ka mong, libanka tsa poraefete li molemo ka ho fetisisa. Leha ho le joalo, hopola hore litšenyehelo tsa lihlahisoa le litšebeletso tsa banka hangata li phahame ho feta marang-rang a tloaelehileng a banka.
- Nka thusa ka ho laola thepa eaka? Keletso e bonolo ea lichelete?
- Ho kopana khafetsa le moeletsi oa hau? Ho boloka kamano e haufi le moeletsi oa hau, ho khetha banka ea hau, mekhatlo e menyenyane kapa e mahareng joalo ka banka ea tikoloho e lokela ho ratoa.
- Ho laola ak'haonte ea ka ea banka ka boikemelo?
Bakeng sa boipuso le tokoloho e eketsehileng, ha ho na molemo ho feta libanka tsa marang-rang tsa mofuta ona: Hello Bank! Kapa tse ling bakeng sa taba eo, ha re na khetho ntle le banka e theko e tlaase.
Khetha banka ea hau inthaneteng kapa marang-rang a lekala?
Hape, tsohle li ipapisitse le boemo ba hau, litlhoko tsa hau le litebello tsa hau. Empa hlokomela hore libanka tse tloaelehileng le libanka tsa setso li fana ka litšebeletso tse tšoanang tsa mantlha. Phapang e teng ka litheko tse tlase haholo libankeng tsa marang-rang tseo ka kakaretso e leng libanka tsa mahala, empa hape le ts'ebetsong ntle le setsi le ntle le k'haontareng.
Hobaneng u khetha banka ea inthanete?
- Bakeng sa boikemelo bo eketsehileng le bolokolohi ba tsamaiso
- Bakeng sa phihlello e hole ka ho sa feleng matsatsi a 7 ka beke
- Bakeng sa litefiso tse fokolang le tse tlase
Tlhokomeliso: hoa khoneha ho ba le moeletsi oa hau le banka ea inthaneteng.
Ke hobane'ng ha u khetha banka ea setso?
- Bakeng sa kamano e haufi
- Bakeng sa marang-rang a setsi sa eona
- Bakeng sa lits'ebeletso tse ling
Khetha banka ea hau ho latela morero oa hau le litlhoko tsa hau
Merero e mengata ebile e fapane, joalo ka litšebeletso tsa banka le lihlahisoa. Ho tloha polokelong e bonolo ea boits'ireletso, ho ea ho theko ea thekiso ea matlo, ho kenyeletsoa mokitlane le inshorense, tlhahiso ea banka e fihlela litlhoko tsohle. Ke kahoo pele u bapisa libanka, qala ka ho tseba litlhoko tsa hau.
- Ke hloka lihlahisoa kapa litšebeletso life?
- Bakeng sa merero kapa merero efe?
- Na hangata ke pepesoa?
Bapisa litefiso tsa banka mahala le ha bonolo!
O tsoetsoe ka morero o kopanetsoeng oa Lekala la Moruo le Komiti ea Boeletsi ea Lekala la Lichelete (CCSF), sebapi sa litefiso tsa banka ke sesebelisoa sa molao le sa mahala se u lumellang ho bapisa litefiso tsa mantlha tse lefisoang ke mekhatlo e fapaneng ea libanka.
E sa lefelloeng le e nchafalitsoeng beke le beke, papiso ea sekhahla sa banka e akaretsa mafapha ohle a Fora mme e thathamisa litsi tse ka bang 150 tsa mekoloto, tse emelang ho feta 98% ea mmaraka o teng sebakeng seo. Ntle le lits'ebeletso tsa mantlha tse ka bapisoang, joalo ka ho fetisoa, litefiso tse tobileng kapa litheko tsa karete ea banka, papiso e u lumella ho bapisa lits'ebeletso tse fapaneng tse leshome le ho bonts'a likhakanyo tse fapaneng tsa 6 ka nako.
The comparator e boetse e fana ka ho latela ho fetoha ha litheko tsa litsi. Sesebelisoa sa ponts'o se nang le metsu (holimo, tlase) kapa letšoao "=" (bakeng sa stagnations) se kopantsoe tafoleng ka 'ngoe ea liphetho.
Ntle le moo, ka ho phahamisa toeba holim'a litheko, palo ea keketseho kapa ho fokotseha e hlaha, mohlala: "+1 € ho tloha ka la 2021 Pherekhong XNUMX". Leha ho le joalo, khetho ena ha e fumanehe ho mobile kapa tablet, empa feela bakeng sa lipuisano tse tsoang khomphuteng.
Hlahloba hape: Tsohle tseo o hlokang ho li tseba ka Paysera Bank, ho fetisetsa chelete inthaneteng & Tlhahlobo: Tsohle ka Revolut, karete ea banka le ak'haonte e sebelisoang ke limilione tsa batho
Sohle seo u lokelang ho se etsa ke ho tlatsa mofuta oa ho theha (ea 'mele, inthaneteng kapa ka bobeli li kopantsoe) tse u khahlang, hammoho le lefapha la eona. Ebe u khetha litefiso tse fihlang ho 6 ho bapisa. Ka ho tobetsa ha 3 feela, liphetho, tse ka romelloang kantle ho naha le ho hatisoa, li hlaha ka sebopeho sa tafole. Mokhoa ona ke ona:
- Hlooho setšeng www.tarifs-bancaires.gouv.fr
- Ho fihla leqepheng la lehae la sebaka. e tsamaellanang le "Phetha patlo". khetha mofuta oa setsi seo u lakatsang ho se kenyelletsa patlong ea hau (khetho e le 1 ea khoneha):
- libanka kapa bafani ba litšebeletso tsa tefo ba nang le mekhatlo ea libanka kapa bafani ba litšebeletso tsa tefo ea inthaneteng, indasteri ea sechaba le ea khoebo (EPIC) mekhatlo eohle.
- Khetha lefapha la hau (khetho e le 1 ho khoneha) ho menu e theoha kapa ka ho tobetsa lefapha leo ho buuoang ka lona ho hexagon (kapa lihlekehlekeng tsa lefapha la mose ho maoatle) ka tlase feela.
- Khetha litefiso tsa banka ho li bapisa. U ka khetha likhetho tse 6 komporong le tablet kapa ho fihla ho tse 3 ho mobile. Haeba u batla ho tseba tlhaloso ea litefiso tsena pele u li hlahloba, tobetsa matšoao a khubelu a lipotso tse haufi le e 'ngoe le e 'ngoe ea litefiso bakeng sa litlhaloso.
