Ukuphonononga abahleli
Uluhlu lwezona bhanki zinexabiso eliphantsi eFransi: Ukukhetha ibhanki yakho yinto ekubophelela ixesha elide! Yiyo loo nto imfuneko yokucinga ngononophelo ngaphambi kokuba wenze. Ngokukodwa kuba kusoloko kuthintelwa kancinci ukutshintsha iibhanki. Akukho lula ukufumana ibhanki efanelekileyo. Kweli hlathi lamaxabiso, kuya kufuneka ujonge iimfuno zakho kunye nokuziphatha kwakho kwebhanki ukukhupha olona luhlu luchanekileyo.
Iintlawulo zebhanki yikhrayitheriya ebalulekileyo xa ukhetha eyona bhanki ingcono. Ngokunikwa imirhumo eguquguqukayo ukusuka kwenye ibhanki ukuya kwenye, sigqibe ekubeni silungiselele olu luhlu ukuze sikuncede Fumana ezona bhanki zinexabiso eliphantsi eFransi kunyaka ka-2022. Yazi ukuba ukhetha ibhanki eyona ixabisa kakhulu inokukongela ngaphezulu kwe-240€ ngonyaka!
Uluhlu lwangaphakathi
Uluhlu lwezona bhanki zinexabiso eliphantsi ngo-2022
Nalu uluhlu lweebhanki ezineendleko zebhanki eziphantsi ngo-2022:
| Rang | Bank | Iindleko zonyaka |
|---|---|---|
| 1er | IBhanki yeBoursorama €80 ekuvulweni | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo €80 ekuvuleni | 27,98 € |
| 4e | BforBank | 40,28 € |
| 5e | IOrange Bank €80 ekuvulweni | 49,43 € |
| 6e | Macif | 87,87 € |
| 7e | AXA Bank | 93,78 € |
| 8e | MolweniBank | 100,48 € |
| 9e | Ityala lentsebenziswano | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| buxoki | Ibhanki yeAllianz | 134,59 € |
| 12e | Credit Agricole Normandy-Seine | 139,95 € |
| 13e | I-Monabanq € 160 ekuvulweni | 144,23 € |
| 14e | Credit Agricole Touraine Poitou | 144,69 € |
| 15e | Ibhanki yeposi | 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 | IFrench Guiana-Mayotte-COM | 148,56 € |
| 19e | I-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 Centre 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 | iCredit Agricole Toulouse 31 | 165,67 € |
| 35e | Caisse d'Epargne Grand Est Yurophu | 165,84 € |
| 36e | Credit Mutuel Ocean | 166,66 € |
| 37e | Credit Agricole Savoie | 166,80 € |
| 38e | ICaisse d'Epargne Loire-Centre | 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 | I-Credit Mutuel Centre eMpuma Yurophu | 171,50 € |
| 47e | I-Credit Mutuel Centre | 171,50 € |
| 47e | Credit Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | I-Credit Mutuel yeMeditera | 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, Centre West | 171,50 € |
| 56e | Caisse d'Epargne Ile-de-France | 171,67 € |
| 57e | Credit Agricole North East | 172,59 € |
| 58e | ICredit 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 de France | 179,46 € |
| 69e | Credit Mutuel Sud-Ouest | 179,60 € |
| 69e | Ibhanki yezoSavings yaseNormandy | 179,60 € |
| 71e | Credit Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | Ityala iMutuel 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 | Ibhanki yogcino lweAuvergne kunye neLimousin | 181,33 € |
| 78e | Caisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Ityala Agricole kuMzantsi weMeditera | 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 Centre France | 184,94 € |
| 88e | Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | IBhanki yaBantu yaseOccitane | 187,10 € |
| 90e | Credit Mutuel MABN | 187,18 € |
| 91e | IBhanki yaBantu iAuvergne Rhône Alpes | 189,11 € |
| 92e | ICaisse d'Epargne eCôte d'Azur | 190,55 € |
| 93e | I-Societe Generale € 80 ekuvuleni | 192,34 € |
| 94e | Credit Agricole Morbihan | 192,72 € |
| 95e | Credit Agricole Finistere | 192,80 € |
| 96e | IBhanki yaBantu iBurgundy Franche-Comte | 193,06 € |
| 97e | BRED Banque Populaire | 193,72 € |
| 98e | IBhanki yabantu iVal de France | 193,81 € |
| 99e | Credit Agricole Guyana | 194,06 € |
| 99e | Credit Agricole Martinique | 194,06 € |
| 101e | IBhanki yabantu baseMeditera | 194,19 € |
| 102e | IBhanki yaBantu eGuadeloupe | 194,24 € |
| 103e | Credit Mutuel Brittany | 194,63 € |
| 104e | UCaisse d'Epargne Brittany Uhlawula eLoire | 197,05 € |
| 105e | Credit Mutuel kuMntla Yurophu | 197,55 € |
| 106e | Ityala loLwandle lweMeditera | 197,96 € |
| 107e | IBhanki yaBantu eMzantsi | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | Banque Populaire Aquitaine Centre Atlantic | 202,34 € |
| 110e | I-LCL | 203,30 € |
| 111e | IBhanki yaseRhône-Alpes | 204,16 € |
| 111e | Kolb Bank | 204,16 € |
| 111e | Tarneaud Bank | 204,16 € |
| 111e | Bank Laydernier | 204,16 € |
| 111e | Ityala eMantla | 204,16 € |
| 111e | I-Courtois Bank | 204,16 € |
| 111e | Inkampani yeTyala yaseMarseille | 204,16 € |
| 118e | IBhanki yabantu baseMntla | 204,36 € |
| 119e | IBhanki yaseNuger | 204,86 € |
| 120e | I-BNP Paribas € 80 ekuvuleni | 205,21 € |
| 121e | BNP Paribas West Indies Guyana | 214,82 € |
| 122e | I-BPE | 219,38 € |
| 123e | Millis Bank | 221,47 € |
| 124e | Banque Populaire Rives de Paris | 221,64 € |
| 125e | IBhanki yasePalatine | 222,35 € |
| 126e | Ibhanki Dupuy de Parseval | 245,56 € |
Indlela yokukhetha ibhanki efanelekileyo?
Ukufunda kwakhona: Ezona ziCwangciso ezili-10 eziPhakamileyo zeXesha eliphantsi ngo-2022
Ikhrayitheriya yokuqala ekufuneka iqwalaselwe ziintlawulo zebhanki. Uninzi lwabathelekisi luye lwavela kwi-Intanethi kwaye lunikezela ngokufumana ezona zinikezelo zinomtsalane ngokusekwe kwindlela oziphatha ngayo ebhankini enkosi kwiimpendulo zakho kwimibuzo embalwa.
- Ngokufunda rhoqo iintlawulo zebhanki zokusekwa, zivelisa amanqanaba okukhokela abathengi.
- Ukukhetha ibhanki echanekileyo, akukho iresiphi yommangaliso, kodwa kunoko indlela eyakhiweyo yokulandela.
- Ibhanki ikhethwa ngokweemfuno zayo, indlela yokuphila kunye neprofayili yayo. Nje ukuba ezi ngongoma ziqwalaselwe, kuqaliswe ukufuna eyona bhanki ifanelekileyo.
Ibhanki efanelekileyo yibhanki ekufanelekelayo! Ngokuxhomekeke kwiprofayili yomntu ngamnye kunye nendlela yokuphila, olunye uhlobo lwebhanki lunokufaneleka ngakumbi kunolunye. Zeziphi ke iikhrayitheriya ekufuneka uziqwalasele xa ukhetha ibhanki yakho?
- Iminyaka yakho: kuxhomekeke kwiminyaka yobudala, iimveliso kunye neenkonzo ezithile ezinikezelwayo, njengekhadi lokuhlawula lolutsha.
- Imeko yakho yobungcali: umfundi, esebenzayo. Kumntu oqeqeshelwa umsebenzi, ibhanki yeshishini isenokuba lolona hlobo lwebhanki imfaneleyo, ngoxa kumntu oselula okanye umfundi, ibhanki yesizwe yenza kube lula ukulawula iiakhawunti zakhe kulo lonke elaseFransi, kungakhathaliseki indawo awayefunde kuyo. .
Umvuzo wakho:
- Uthini umvuzo wam?
- Ngaba ndihlala ndivezwa?
Ivoti yelifa:
- Ingakanani isayizi yakhe?
- Ngaba ndifuna uMphathi wezoTyebo? Ibhanki yotyalo-mali ingakhethwa ukuba unobutyebi obubalulekileyo.
Ukuphindaphinda kohambo lwakho phesheya: Ngaba ndifuna iindlela ezikhethekileyo zokuhlawula okanye iinkonzo? Ibhanki yezizwe ngezizwe iququzelela imisebenzi yebhanki kumazwe angaphandle.
Ukufunda kwakhona: CoinEx Exchange: Ngaba iqonga lokutshintshiselana okulungileyo? Uphononongo kunye nalo lonke ulwazi
Ukukhetha ibhanki yakho: amanqaku ukujonga
Kubantu abaninzi, amaxabiso eenkonzo zebhanki yinto egqibayo ekukhetheni ibhanki yabo. Ukongeza kule ngongoma, ukujonga umgangatho, kodwa kunye nokuhlukahluka kweenkonzo ezinikezelwayo kubalulekile.
Amanqaku omawajongwe xa ukhetha ibhanki yakho
- Iinkonzo ezisisiseko: ukuvula, ukugcina nokuvala ii-akhawunti, ukuthumela iingxelo ze-akhawunti, ukutsalwa kwemali ngokuthe ngqo, ukudluliselwa, iidiphozithi, ukutsalwa kwemali, njl.
- Iinkonzo ezongezelelweyo zebhanki: uncedo kunye nokhuseleko, i-inshurensi, ukonga, njl.
- Iindlela zokuhlawula: uluhlu lwamakhadi, iitshekhi, njl.
- iimveliso zogcino: iincwadi zokupasa, i-inshurensi yobomi, i-akhawunti ye-passbook, i-UCITS, i-SICAV, njl.
- Iimveliso/iinkonzo zetyala: amakhadi, iintlawulo, iimali-mboleko...
- Iinkonzo zolawulo lweakhawunti ekude: Indawo: ingaba ikhona iarhente ekufutshane nam? Ingakanani inethiwekhi yebhanki.
- Qhagamshelana nebhanki: umnxeba, i-intanethi, iarhente..
- Ubudlelwane nebhanki: abacebisi abakhoyo: iiyure ezingama-24 ngosuku?
- Umcebisi wakho? Izixhobo zokubala? I-ATM? Ibhanki ye-Intanethi?
Iimfuno zinokunxulumana nemimandla yokonga, ikhredithi okanye imarike yemasheya
Ngokwezinto eziphathekayo, yintoni endiyidingayo ukukhetha ibhanki yam?
- Iakhawunti yangoku ukufumana umvuzo wam?
- Iakhawunti edibeneyo yokulawula ngcono iindleko zosapho eziqhelekileyo?
- Iakhawunti yobungcali njengenxalenye yomsebenzi wam wemihla ngemihla?
- Iindlela zokuhlawula zesiNtu okanye ezenzelwe wena?
- Kwiimfuno ezisisiseko zemveliso: iibhanki ezinkulu, ezaziwa ngokuba "ziibhanki zorhwebo", zibonelela ngeemveliso kunye neenkonzo ezihlangabezana ngokupheleleyo neemfuno zabaninzi abathengi.
- Iinkonzo ezenzelwe wena okanye ezisemgangathweni?
- Ukuxhamla kwiimveliso kunye neenkonzo zemali zomntu, iibhanki zabucala zikhethwa. Nangona kunjalo, khumbula ukuba iindleko zeemveliso kunye neenkonzo zebhanki zihlala ziphezulu kunenethiwekhi yebhanki eqhelekileyo.
- Uncedo ngokulawula izinto zam? Iingcebiso ezilula zemali?
- Ukudibana rhoqo nomcebisi wakho? Ukugcina unxibelelwano olukhethekileyo kunye nomcebisi wakho, ukukhetha ibhanki yakho, imibutho emincinci okanye ephakathi efana nebhanki yengingqi iyakuthandwa.
- Ukulawula iakhawunti yam yebhanki ngokuzimeleyo?
Ukuzimela ngakumbi kunye nenkululeko, akukho nto ingcono kuneebhanki ze-intanethi zohlobo: Molo Bank! Okanye abanye ngalo mbandela, asikhethi cala ngaphandle kweyona bhanki inexabiso eliphantsi.
Khetha ibhanki yakho kwi-intanethi okanye kwinethiwekhi yesebe?
Kwakhona, konke kuxhomekeke kwiprofayile yakho, iimfuno zakho kunye nezinto ozilindeleyo. Kodwa qaphela ukuba iibhanki eziqhelekileyo kunye neebhanki zemveli zibonelela ngeenkonzo ezisisiseko ezifanayo. Umahluko ulele kumaxabiso aphantsi kakhulu kwiibhanki ze-intanethi eziziibhanki ezisimahla, kodwa nakwintsebenzo ngaphandle kwe-arhente nangaphandle kwekhawuntara.
Kutheni ukhetha ibhanki ye-intanethi?
- Ukuzimela ngakumbi kunye nenkululeko yokulawula
- Ukufikelela ngokusisigxina kude neentsuku ezi-7 ngeveki
- Ngemirhumo embalwa kunye nexabiso eliphantsi
Qaphela: kunokwenzeka ukuba ube nomcebisi wakho kunye nebhanki ye-intanethi.
Kutheni ukhetha ibhanki yemveli?
- Kubudlelwane obusondeleyo
- Kwinethiwekhi yearhente yayo
- Ngeenkonzo ezininzi
Khetha ibhanki yakho ngokweprojekthi yakho kunye neemfuno zakho
Iiprojekthi zininzi kwaye zahlukene, njengeenkonzo zebhanki kunye neemveliso. Ukusuka kwi-savings elula yokukhusela, ukuthengwa kwe-real estate, kubandakanywa nekhredithi kunye ne-inshurensi, i-banking offer ihlangabezana nazo zonke izicelo. Yiyo loo nto ngaphambi kokuba uthelekise iibhanki, qala ujonge iimfuno zakho.
- Zeziphi iimveliso okanye iinkonzo endizifunayo?
- Zeziphi iinjongo okanye iiprojekthi?
- Ngaba ndihlala ndivezwa?
Thelekisa amaxabiso ebhanki simahla nangokulula!
Wazalelwa kwinyathelo elidibeneyo loMphathiswa wezoQoqosho kunye neKomiti yeNgcebiso yeCandelo lezeMali (i-CCSF), umthelekisi kwiirhafu zebhanki sisixhobo esisemthethweni kunye nesikhululekile esikuvumela ukuba uthelekise iintlawulo eziphambili ezibizwa ngokuba ziziseko zebhanki ezahlukeneyo.
Isimahla kwaye ihlaziywa rhoqo ngeveki, umlinganisi wezinga lebhanki ugubungela onke amasebe aseFransi kwaye udwelise malunga ne-150 yamaziko etyala, emele ngaphezu kwe-98% yemarike ekhoyo kwintsimi. Ukongeza kwiinkonzo ezisisiseko ezifaniswayo, ezifana nokudluliselwa, ukutsalwa kwemali ngokuthe ngqo okanye amaxabiso ekhadi lebhanki, umthelekisi ikuvumela ukuba uqhathanise malunga neenkonzo ezilishumi ezahlukeneyo kwaye ubonise ukuya kwii-6 ezahlukeneyo ngexesha.
Umthelekisi ukwanikezela ukulandela ukuvela kwamaxabiso amaziko. Isixhobo sokubonisa esinamatolo (phezulu, ezantsi) okanye uphawu "=" (lokuma) ludityaniswe kwitheyibhile nganye yeziphumo.
Ukongezelela, ngokuhambisa imouse phezu kwamaxabiso, inani lokunyuka okanye ukuhla livela, umzekelo: "+1 € ukususela ngoJanuwari 2021, XNUMX". Nangona kunjalo, olu khetho alufumaneki kwiselfowuni okanye kwithebhulethi, kodwa kuphela ukubonisana nekhompyuter.
Bona kwakhona: Yonke into ofuna ukuyazi malunga nePaysera Bank, yokuhambisa imali kwi-intanethi & Uphononongo: Konke malunga novukelo, ikhadi lebhanki kunye neakhawunti esetyenziswa zizigidi zabantu
Ekuphela kwento ekufuneka uyenzile kukugcwalisa uhlobo lokusekwa (lomzimba, kwi-intanethi okanye zombini zidityanisiwe) elinomdla kuwe, kunye nesebe lalo. Emva koko ukhethe ukuya kuthi ga kwiireyithi ezi-6 ukuthelekisa. Ngokucofa nje oku-3, iziphumo, ezinokuthunyelwa ngaphandle kwaye ziprintwe, zivela kwimo yetafile. Nantsi indlela:
- Yiya kwindawo www.tarifs-bancaires.gouv.fr
- Ukufika kwiphepha lasekhaya lesiza. ehambelana nethebhu ethi "Yenza uphendlo". khetha uhlobo lwesiseko onqwenela ukubandakanya kuphendlo lwakho (ukhetho lube 1 lunokwenzeka):
- iibhanki okanye ababoneleli ngenkonzo yentlawulo kunye nee-arhente iibhanki okanye ababoneleli ngenkonzo intlawulo online kwimizi-mveliso karhulumente kunye norhwebo ukusekwa (EPIC) zonke iziseko.
- Khetha isebe lakho (ukhetho olu-1 lunokwenzeka) kwimenyu eyehlayo okanye ngokucofa isebe elichaphazelekayo kwi-hexagon (okanye kwiziqithi zesebe laphesheya) ngezantsi nje.
- Khetha iireyithi zebhanki ukuthelekisa. Ungangenisa ukhetho olu-6 kwikhompyuter kunye nethebhulethi okanye ukuya kuthi ga ku-3 kwiselula. Ukuba ufuna ukwazi inkcazo yezi ntlawulo phambi kokuba uzitshekishe, cofa kumanqaku emibuzo abomvu ecaleni kwentlawulo nganye yeenkcazo.
