Intetho yesibongo, imvelaphi, ukuhambelana kwefayili Seifeur
Thelekisa ezona Bhanki zikwi-Intanethi eziBalaseleyo: Namhlanje siza kuhlaziya kwaye thelekisa ezona bhanki zidijithali zibalaseleyo eYurophu eya kukuvumela ukuba wenze iakhawunti kwi-smartphone yakho kwimizuzu engaphantsi kwe-10.
Ukuncintisana kweebhanki zaseYurophu kwahluka omnye komnye ngokweentlawulo, ukhuseleko, kunye nenkxaso yeeasethi ezahlukeneyo zotyalo-mali kunye neenkonzo.
Si uphonononge amaxabiso, iimveliso, uyilo, izibonelelo, ukhuseleko, kunye nokunye. Sizifakile kwaye sazivavanya ukuze kungafuneki. Masingene kuluhlu lweyona bhanki yaseYurophu ibalaseleyo kwi-Intanethi, xa kufikwa kwimiceli mngeni yedijithali kwaye siyiphonononge nganye nganye kukunceda ufumane olona luhlangabezana kakuhle neemfuno zakho.
Ukuba kunjalo ujonge eyona bhanki ikwi-intanethi ekuvumela ukuba ulawule iiakhawunti zakho zebhanki kwi-Intanethi ngokulula nangokukhawuleza, ngakumbi kwiselfowuni, ke ukwindawo elungileyo. Kwesi sikhokelo, sinikela kuwe thelekisa ezona bhanki zikwi-Intanethi zibalaseleyo kwi2020.
Uluhlu lwangaphakathi
Isikhokelo: Uyikhetha njani eyona bhanki ikwi-Intanethi?
Iibhanki zamanye amazwe, iibhanki zemveli, iibhanki ezifanayo, iibhanki ezikwi-Intanethi kunye neobanks zamva nje, nokuba kuthelekiswa kakuhle kuya kuba nzima ukukhetha! Ziyanda iibhanki ezisungula kwi-Intanethi.
Oku kunokuguqula amaxabiso angcono kunye neekhomishini ezisezantsi, kodwa ayizizo zonke iibhanki ezibonelela ngeemveliso ezikwi-Intanethi ezenza okufanayo; nantsi into ekufuneka ujonge kuyo ukuze uqale ukwenza ukhetho lwakho lwebhanki yedijithali.
Ukubhankisha kwi-Intanethi kuye kwaba yinto yokwenene, ubukhulu becala kuba ziluncedo kakhulu, iintlawulo ezingenangqondo nazo kulula ukuziphepha. Akuqhelekanga ukuba iibhanki ezinkulu zibize i-30 yeedola okanye nangaphezulu ngenyanga, nokuba ungumthengi obalaseleyo, nokuba sele besenza imali ngokubamba imali yakho.
Ukuba oku kukuqhuba uphambene, kunokuba lixesha lokufumana ibhanki ekwi-intanethi. Kodwa ukhetha njani okona kulungileyo?
Ikhrayitheriya # 1: Iindleko eziphantsi kangangoko kunokwenzeka
Esinye sezizathu eziphambili zokushiya umhlaba weebhanki ezinkulu yile Iintlawulo zeenkonzo zazo zonke iintlobo Imirhumo yenkonzo, iifizi zenyanga, iifizi zeATM, iimali ezigqityiweyo, njl.
Iyavakala ke into yokuba iibhanki ezikwi-Intanethi zifuna ukukhuphisana ngokugcina iifizi zikufutshane ne-zero kangangoko. Iyavakala ke into yokuba iibhanki ezikwi-Intanethi zifuna ukukhuphisana ngokugcina iifizi zikufutshane ne-zero kangangoko.
Kodwa ezinye iinkonzo zinokuba nomrhumo kwaye ukuba uchasene ngokupheleleyo nemirhumo, jonga ukuba ngaba ibhanki ineemfuno ezincinci zediphozithi okanye iifizi zokuprinta ezifanelekileyo.
Ikhrayitheriya # 2: ukhuseleko olomeleleyo
Indlela yesibini yokuthatha ingqalelo xa ukhetha ezona bhanki zilungileyo kwi-Intanethi ukhuseleko lweakhawunti / imali yakho. Akuzange kubekho i-intanethi yebhanki kwi-intanethi eyenza izihloko okwangoku, kodwa yenzekile kwiiwebhusayithi ze-bitcoin kwaye ngexesha apho i-eBay kunye neThagethi bobabini babengamaxhoba okuqweqwediswa. Idatha, kuluncedo ukubuza ukuba ibhanki yakho ekwi-intanethi ihlala njani kwindawo ephambili yokugenca.
Akunakwenzeka ukuba ulahlekelwe yimali, iibhanki ze-intanethi zixhaswa yimibutho efana ne- ECB. Kodwa kuhlala kukho ithuba lokuba ulwazi lwakho luza kuvezwa kwaye kwabelwane ngalo.
Kufuneka kuqatshelwe ukuba uhlaselo lwe-cyber ngokuchasene namashishini amancinci phantse laphindeka kabini phakathi kuka-2011 no-2013, ukusuka kwi-18% ukuya kwi-31%, ngokuka-Damian Caracciolo, usekela-mongameli we-CBIZ, inkampani ebonelela ngeenkonzo zokubonisana neinshurensi kunye nezibonelelo.
Ikhrayitheriya # 3: Umgangatho inkxaso kubathengi
Kungenxa yokuba ibhanki inikezela ngenkxaso yabathengi abangama-24/24 kunye nabameli abaphilayo kwifowuni oko akuthethi ukuba inkonzo ayinakulunga.
Kuhlala kungumbono olungileyo ukukhangela kwiphepha lebhanki lika-Facebook okanye kwiiwebhusayithi ezinje TrustPilot ukufumanisa ngembali yebhanki. Oko kwathethi, ukufikelela nako kunokuba nefuthe kwinkonzo, njengoko ungazi ukuba kuya kufuneka uthethe nini nomntu.
Ikhrayitheriya # 4: bhetyebhetye
Ungacinga ukuba zonke iibhanki ezikwi-Intanethi zine-app ye-smartphone, kodwa ayiyonyani leyo. Njengoko sibonile, iiyure ezingama-24 zenkonzo yabathengi kunye nabaqhubi abaphilayo abanikezelwanga, kwaye inethiwekhi yeATM inokuba ncinane okanye inkulu.
Ulwimi ikwangumbandela wokuguquguquka ekuqwalaselweni xa ukhetha ezona bhanki zibalaseleyo kwi-Intanethi, ngexesha lophando lwam ukubhala eli nqaku ndibone iibhanki ezikwi-Intanethi, eSerbia umzekelo, zinolwimi olunye kuphela ekunzima ukuliqonda igama lesizwe.ngowasemzini, zama Ukuqinisekisa ukuba ibhanki ikhona ngesiFrentshi okanye ngesiNgesi ngaphambi kokubhalisa!
Ngokusekwe kwezona zinto zibalulekileyo, thengisa ukuze ufumane ibhanki elungele uluhlu lwakho lwezinto ekungekho thethwana ngazo.
Ikhrayitheriya # 5: Ukwahluka kwemveliso
Unxibelelana njani nebhanki ekwi-intanethi ixhomekeke kakhulu iimfuno zakho eziphambili.
Ungacingi ukuba ibhanki ekwi-Intanethi ibonelela ngeenkonzo zokutshekisha, kwaye Sukukhohliswa xa ibhanki ibanga ukuba ineyona mbuyekezo ibalaseleyo kwiiCD nakwiidipozithi, kuba kuzo zonke iibhanki ezi mbuyekezo zincinci kunjalo, kwaye ayisoze ibeyenye indlela enobuchule yokutyala imali.
Ukhangele indawo apho unokumisa khona kwaye uhambise imali yakho ngokulula, ngaphandle kokuzikhohlisa ngokwenza "ukubulala" kwimbuyekezo yonyaka ye-1,15%.
Ikhrayitheriya # 6: Uncedo lokuvula iakhawunti
Itekhnoloji ephezulu ayihambelani nesantya esiphezulu. Kwezinye iibhanki ezikwi-Intanethi, Ukuvula iakhawunti kulula ukuthetha kunokwenza.
Njengoko ukhangela kwiwebhu, uya kufumana uphononongo lwebhanki ekwi-Intanethi, kwaye kukho ithuba elihle lokuba abathengi abaninzi babhale ukuba abonwabanga ngamava abo.
Ke ukuba ubona isiphithiphithi seefom ezingenangqondo kunye neemfuno ezingena ngaphakathi, jika umsila ubaleke uye kwi-bhanki efanelekileyo ye-Intanethi.
Kwiibhanki ezilungileyo kwi-IntanethiUkuvula iakhawunti kulula njengokubonelela ngedatha yakho kunye nolawulo kunye neenombolo zokuhamba zeakhawunti yebhanki esele ikho. Yenziwe.
Thelekisa ezona bhanki zintle ze-Intanethi (2021)
Namhlanje, uninzi lwabathengi bebhanki benza ukubhankisha kwabo kwi-Intanethi, kwii-smartphones zabo, okanye ngokudityaniswa kwezi zinto zimbini, ngokutsho nje kutshanje Uphando lwePwC kwibhanki yedijithali.
Ukongeza, ukuvalwa kwesebe elikhulu lebhanki, nokuba lolokwexeshana, ngexesha le-COVID-19 lembandezelo kuye kwabhenca abathengi abaninzi kwizibonelelo zebhanki ekwi-Intanethi, nokuba bayinxalenye yobudlelwane babo bebhanki okanye banebhanki ekwi-intanethi kuphela.
Ukuthelekiswa kwethu kweebhanki ze-Intanethi ezibalaseleyo ze-2020 iinkcukacha zeempawu eziphambili zezona bhanki ze-intanethi eYurophu:
1.TransferWise: Eyona bhanki ikwi-Intanethi eneemali ezininzi kunye neeakhawunti ezingenamda
Eyona nto inomtsalane U tshintshelwa ilele kuyo Utshintshelo lwemali ngexabiso eliphantsi et, unyana simahla iakhawunti yebhanki yemali engenamda.
Ukutshintshela kufumaneka kungekho ngaphantsi Amazwe ali-144 kwihlabathi liphela, kwaye usetyenziso lwayo luyaxhasa Iimali ezingama-57 Ngexesha lokubhala uphononongo lwethu lweebhanki ezilungileyo ze-Intanethi.
Ngeakhawunti engenamda, uya kufumana iinkcukacha zakho zebhanki e-US, UK, Yurophu, New Zealand nase-Australia nokuba uhlala phi na phakathi kwamazwe axhaswayo.
Oku kwenza ukuba iTransferWise ibe lukhetho olukhulu kubangengobemi, abatyali mali, okanye abanini bamashishini abancinci abafuna ukuvula iakhawunti yebhanki kwelinye ilizwekazi, njengeMelika.
Ukongeza, iTransferWise ifumana amanqaku aphezulu kwinqanaba lemirhumo, kuba akukho ntlawulo ngokuvula iakhawunti, ukuhambisa ikhadi okanye ukugcina iakhawunti.
Uninzi lweemali ezixhaswe nguTransferWise zibonelela ngenketho enye: ukudluliselwa kwebhanki ukusuka kwelinye ukuya kwelinye. Ngezinye iimali onokuzihlawula nge-debit kunye namakhadi etyala okanye usebenzise ukhetho lokudlulisa i-SOFORT, i-Apple Pay okanye i-Android Pay ikwafumaneka kwezinye iimali ngokusebenzisa i-TransferWise iOS kunye ne-Android zokusebenza. Kwiimeko ezininzi, ummkeli uya kufumana imali kwi usuku ukuya kwiintsuku ezimbini zomsebenzi.
UkuGqithisela iWise lukhetho olukhulu lokudluliselwa kwemali yamanye amazwe, bayaziwa ngenkonzo yabo ebalaseleyo kubathengi, banezinto ezintle kwiTrustpilot, kwaye banikezela ngokukhawuleza. Kwaye icing kwikhekhe? Banikezela ngamava omsebenzisi omangalisayo, ukusukela kwinkqubo yobhaliso elula ukuya kugqithiso olufanelekileyo.
Abanye abasebenzisi bachukumisekile kangangokuba bacinga ukuba kulungile kakhulu ukuba yinyani.
Eyona nto iphambili kwiTransferWise:
- Iakhawunti yebhanki yemali yasimahla
- Iinkcukacha zebhanki zobuqu kubandakanya inombolo yeakhawunti yase-UK kunye nekhowudi ye-SORT; Inombolo ye-EU SWIFT / BIC kunye ne-IBAN; Inombolo yokuhamba yase-US (i-ABA) kunye neNombolo yeAkhawunti
- Bamba kwaye uchithe ngaphezulu kwezezimali ezingama-57
- Iyafumaneka kumazwe ali-144
- Akukho ntlawulelo yexabiso lotshintshiselwano
- Imirhumo ephantsi kunye neselubala (isixa sixhomekeke kwisibini semali)
- Iakhawunti yasimahla yobungcali
- Umgangatho ogqwesileyo kwiTrustpilot: 4,6 (iingxelo eziyi-82)
- Iziko lemali eligunyazisiweyo eligunyazisiweyo, elilawulwa nguGunyaziwe weSuphavayiza
- Ixesha lokuvula iakhawunti: imizuzu emi-5
- Ibhanki ephethe imali: Barclays, Wells Fargo
Into esingayithandiyo ngeTransferWise :
- Ungathumela kuphela kwiakhawunti yebhanki
- Ayingawo onke amazwe kunye neemali ezigutyungelwe iAkhawunti engenamda, kodwa iTransferWise ihlala yongeza ngaphezulu.
- Ukukhutshelwa kwangaphandle kwiakhawunti yebhanki kuxhomekeke kwimirhumo encinci, ihlala ikuluhlu lwe- $ 0,50 / $ 1,30 / € 0,60.
- Kukho imida malunga nokuba ungafumana phi kwiakhawunti yakho engenamda.
UkuGqithisela iWise yindlela entle yokuhambisa imali kwilizwe liphela. ukubhenka kwi-Intanethi kwahlulwa ngokulula kunye nenyani yokuba zichaneke kakhulu kwimirhumo kunye nemali oya kuyifumana xa usenza ugqithiselo.
Banikezela ngeenkonzo zokuzikhethela zepremiyamu ezinje Akukho mda kunye neyabo Ikhadi elibhatalwa kwangaphambili le-Mastercard, enokuba nomdla kuwe.
Fumanisa - Umgangatho: Zeziphi iibhanki ezinexabiso eliphantsi eFransi?
2.N26: Eyona Bhanki ikwi-Intanethi yabahambi
Uluntu lwaseJamani N26 Est ukhetho lokuqala kubahambi kunye nabanini bamashishini amancinci onqwenela ukuvula iakhawunti yebhanki yasimahla ehlawulwa sisikim seinshurensi yedipozithi.
I-N26 yenye yeebhanki zedijithali ezindala eYurophu, kwaye kule minyaka ibhanki itsale izigidi zabathengi abatsha. Ngoku ukhonza Amazwe ali-22 kwaye ungathumela imali kwi Iimali ezili-19 ezahlukeneyo. Nangona kunjalo, iakhawunti inokugcina imali enye kuphela: i-euro.
I-N26 yibhanki yaseJamani, izinze eBerlin, eJamani. I-N26 okwangoku ibonelela ngeenkonzo zayo kumazwe aliLungu aliqela eNgingqi yeeNtlawulo ze-Euro eNye nase-United States. Imisebenzi e-UK yamiswa ngo-Epreli 2020 ngenxa yokungaqiniseki kwenkqubo yeBrexit.
Wikipedia
Uninzi lwabathengi be-N26 bakhetha enye yezi mveliso zimbini zilandelayo: i-akhawunti eqhelekileyo yeN26 okanye iN26 emnyama. Iakhawunti esemgangathweni ye-N26 ayinayo imali yenyanga, ngelixa i-akhawunti ye-N26 emnyama ixabisa i-euro ezingama-5,90 ngenyanga.
Zombini ezi akhawunti zikunika ilungelo kwi-MasterCard, onokuyisebenzisa nakowuphi na umthengisi emhlabeni owamkela i-MasterCard. Ngelixa enye kwiibhanki ezimbini kunye namakhadi etyala athatha amanqaku eepesenti ezimbalwa xa usenza ugqithiso lwemali yakho yamanye amazwe, i-N26 iya ngokuchasene neenkozo.
Enkosi kubambiswano lwe-N26 kunye U tshintshelwa, Ukutshintshwa kuqhutyelwa kwinqanaba leemarike eziphakathi, kungekho nqanaba lokutshintshiselana, kwaye zonke iintengiselwano zangaphandle nazo ziqhutyelwa kwinqanaba lentengiso.
Ngexesha lovavanyo lokuthelekisa ezona bhanki zibalaseleyo kwi-Intanethi, sinayo loo nto I-N26 ibonelela ngoku kulandelayo:
- Unelayisensi yebhanki ye-EU: Isiqinisekiso sedipozithi ukuya kuthi ga kwi-100 euros (yabantu kunye neenkampani)
- Iakhawunti yeshishini yasimahla enemali ebuyayo kuko konke ukuthengwa
- Ukutsalwa kwamahhala kwe-5 ngenyanga kwi-ATM
- Iintlawulo zasimahla kuyo nayiphi na imali yelinye ilizwe
- Izinketho zeinshurensi zibandakanyiwe kwiinguqulelo zepremiyamu (zokuhamba nezonyango)
- Khusela i-3D Mastercard
- Akukho dipozithi incinci
- Ii-akhawunti ezingaphantsi ezahlukileyo zokulawula iindleko kunye nokonga
- Imiselwe yiBaFin
- Isiqinisekiso sedipozithi: i-100 euros
- Ixesha lokuvula iakhawunti: Malunga nemizuzu esi-8
- Ibhanki ephethe imali: iBhanki N26
Kodwa lo ayingomndilili 'aba bafana bayamangalisa' uphononongo lohlobo-ukukhangela kuphononongo lokwenyani lwabathengi (ngakumbi uphononongo olubi) sifumanisa ubunyani bokusebenzisa i-N26.
Ukungancedi kwe-N26:
- Ngokungalindelekanga ngaphandle kwe-UK
- Inkxaso yefowuni engama-24/24 ayifumaneki
- Inikwe umda kwiYurophu naseMelika
- Imiba yokuqinisekisa kwakhona
Ngokubanzi, sinokuthi i-N26 yiyo enye yeebhanki zaseYurophu ezikwi-intanethi, kubahambi kunye nabanini bamashishini amancinci, Ibhanki inikezela uninzi lwemisebenzi yesiqhelo yebhanki eqhelekileyo, kodwa ngendlela yedijithali ngokupheleleyo.
Uphononongo: Konke okufuneka ukwazi malunga neSkrill yokuthumela imali phesheya kwi2020
Ukusuka ekurhoxisweni kwemali kwii-ATM ukuya kutshintshelo lwemali lwamanye amazwe ngamaqondo aphezulu otshintshiselwano, banokunikezela okuninzi.
3. Revolut: Ibhanki enkulu yedijithali enemali yasimahla kunye nezixhobo zotyalo mali
Okwesithathu kuluhlu lwethu lokuthelekisa ezona bhanki zilungileyo kwi-Intanethi Revolut, le nkampani ye-teknoloji yase-UK ibonelela Iinkonzo zebhanki, njenge Amakhadi okuhlawula kwangaphambili, ukuthengiswa kwesitokhwe simahla, utshintshiselwano lwemali simahla, kunye nenkonzo yokubhala ngokufihlakeleyo kunye neentlawulo zeP2P.
I-Revolut yaqalwa ngoJulayi ka-2015 ngu-Nikolay Storonsky, owayekwangumrhwebi owayesebenza e-Lehman Brothers kunye ne-Credit Suisse, kunye no-Vlad Yatsenko, owayesakha iinkqubo zemali ngaphambili kwiibhanki zotyalo-mali.
Uvukelo luqale njengekhadi elihlawulelweyo kunye neapps eyavumela abahambi ukuba batshintshe imali baye kwenye ngokungabizi. Kwavela kubunzima ekwahlangatyezwana nabo nguStoronsky ngeemveliso esele zikho zotshintshiselwano lwangaphandle. Ukusukela ngoko, inkampani ilwandisile uluhlu lwayo lweemveliso kunye neenkonzo.
Isicelo seselfowuni sinezibonelelo ezininzi, kubandakanya isishwankathelo senkcitho yemali nganye, izixhobo zohlahlo-lwabiwo mali, ulondolozo oluqinisekileyo, iiakhawunti zokonga ezahlukileyo, ngelixa i-Mastercard ehamba nayo iza ne-3D ekhuselekileyo yokuhlawula kwi-Intanethi kunye nenani leempawu zokhuseleko.
Ukufunda kwakhona: Konke malunga noVukelo, ikhadi lebhanki kunye neakhawunti esetyenziswa zizigidi zabantu
I-Revolut ibonelela ngeentlobo ezintathu zeakhawunti zabantu-iakhawunti enye yasimahla kunye neeakhawunti ezimbini ezihlawulelweyo- kwaye ixhasa ngeenxa zonke iimali ezingama-24 ezahlukeneyo. Akukho mda kwisixa sedipozithi yakho, kwaye iyafumaneka kumazwe angama-30.
Eyona nto iphambili kwiRevolut:
- Ithuba lokubamba ukuya kwiimali ezingama-29 simahla
- Iipesenti ezi-0% kutshintshiselwano lwemali
- Inkcitho yasimahla kunye notsalo lweATM ngaphezulu kweemali ezili-140 (ngeentsuku zeveki kuphela)
- Ukuhanjiswa simahla kwamazwe aphesheya
- Ukwabelana ngesabelo sasimahla: Ukufikelela kubarhwebi abasi-8 ngenyanga
- Ukufakwa kwamakhadi kwangoko kwiakhawunti yakho yemihla ngemihla
- Ubuncinci idiphozithi: Akukho
- Iinketho ezihlanganisiweyo zokurhweba nge-crypto
- I-inshurensi yasimahla yokuhamba yabathengi bePremiyamu kunye nentsimbi
- Ilayisensi: Imali ye-elektroniki, ukubhenka; ilawulwa yi-FCA
- Ukulinganisa kwiTrustPilot: 4.5
- Inqanaba lesicelo: 4.8
- Ibhanki ephethe imali yakho: Barclays, Lloyds
Imida yokurhoxa yenyanga nenyanga IiATM zihlawuliswa ngegama, ngakumbi ukuba undwendwela ilizwe apho ufuna ukuphatha imali.
Kule meko, kuya kufuneka uzibuze ukuba ingaba imirhumo oza kuyibhatala idlula imali oyigcinileyo kwizinga lotshintshiselwano.
Mhlawumbi eyona nto iphambili kwi-Revolut kukuba ayiyibhanki evunyiweyo, oko kuthetha ukuba abathengi bayo abakhuselekanga yi-FSCS.
Isiphelo: Khetha ibhanki ekwi-Intanethi
Njengoko kukhankanyiwe ngasentla, ukubanakhongokulula kwaye ngokukhawuleza uvule i-akhawunti yebhanki ekwi-intanethi yenye ye ezona zibonelelo zibalaseleyo zebhanki ekwi-Intanethi. Nangona sigxile kukhuphiswano lweebhanki zaseYurophu, uninzi lwazo luhlala lukwazi ukubonelela ngeenkonzo kubahlali abangahlali baseYurophu.
Ukufunda kwakhona: Yonke into ofuna ukuyazi malunga nePaysera Bank, yokuhambisa imali kwi-intanethi & Iindawo ezi-20 eziDwelisiweyo zokuDweliswa kweeNdawo eziSimahla zokuThenga, ukuRentisa kunye nokuThengisa kwi-Intanethi
Iibhanki zemveli kunye neebhanki ezikwi-Intanethi zombini zinezibonelelo zazo. Ngokusisiseko, imalunga nokumisela ukuba ngaba iinkonzo kunye nokuthintelwa komntu ngezitena nodaka kungaphezulu kweendleko eziphakama rhoqo, ngokwexabiso lenzala ephantsi kunye nemirhumo engaphezulu, yeenkonzo zebhanki ezinikezelwa apho.
Kukwafanele ukuqwalaselwa Yahlula umsebenzi wakho phakathi kwezi zimbini. Kuyinyani ukuba eli lungiselelo lisenokungasebenzi kuwe, kwaye iindleko zokugcina iiakhawunti ezininzi zinokuba yingxaki.
Kodwa ukuba neeakhawunti kwibhanki yemveli kunye nakwibhanki ekwi-intanethi kungakunika okona kulungileyo kuwo omabini amazwe-amaxabiso aphezulu emali kunye nokufikelela kuncedo lomntu -kwakho intengiselwano kunye neengxaki xa uzifuna.
Ukuba unayo nayiphi na enye ibhanki ekwi-intanethi ukongeza kuluhlu lwethu lokuthelekisa ezona bhanki zibalaseleyo kwi-Intanethi, nceda usilahle umgca kwicandelo lamagqabaza. Enkosi ngokuma, kwaye ungalibali ukwabelana nenqaku!
Ndiyayithanda iN26. Kulula.
Kusimahla, ukuya kulindelo lwam, onke amaqela aluncedo kwaye anobuhlobo.
Ndisebenzise iTransferWise yotshintshiselwano lwe-10 kwiinyanga ezili-11 ezidlulileyo, uninzi lwazo kwiiFrancis zaseSwitzerland nakwiiYurophu. Ngaphandle konikezelo olunye, lonke uhambiso luhambe kakuhle, ngokukhawuleza nangokuthembekileyo. Ndandinomcimbi notshintsho olusuka kwiifrancs zaseSwitzerland zisiya kwiidola zaseMelika, apho ndakhalaza "ngeentlawulo ezifihliweyo", enyanisweni izityholo zomntu wesithathu ezazigqunywe nguTransferWise ngemibhalo nemiqathango.
I-N26 yibhanki enkulu. Ndiyaxolisa kuba bengasakwazi ukusebenza e-UK. Ndiyabakhumbula.
UkuDlulisa uBulumko kulungile. Umfazi wam uyayisebenzisa ukuthumela imali kusapho lwakhe eBelgium kwaye ihlala imali ikwi-akhawunti kwangolo suku. Ndiyisebenzise kabini ukuthumela imali kubahlobo eUnited States. Ndonwabe kakhulu ngentsebenzo ukuza kuthi ga ngoku.
Akukho ngxaki 🙂
UkuGqithisela iWise yibhanki enkulu! Ukuza kuthi ga ngoku, usetyenziso ngamanye amaxesha lunee-glitches ezincinci kwi-UI, kodwa kungenjalo yonke into ibonakala ilungile, njengoko kufanelekile ukuba yibhanki.
Kudala ndisebenzisa iTransferwise kangangeminyaka emi-5 kwaye ndinokuqinisekisa ngenkonzo ebalaseleyo ebonelelweyo. Ngexesha elinye endiyiphazamiseyo kugqityiwe umba wasonjululwa ngokukhawuleza kwaye okona kubaluleke kakhulu kukuba iarhente yokuTshintshela kwelinye ilizwe yayisiqinisekisa kwaye inesazela ekusombululeni umba. Ndiyaneliseka kakhulu yile mveliso.
Ndiyithanda kakhulu i-N26 app! Inempawu ezininzi kangangokuba akukho bhanki yemveli inayo. Mhlawumbi zine iinkwenkwezi kuba ukongezwa kwenziwa ngekhadi.
I-N26 indisindisile kunye nabahlobo bam abaninzi xa ndifudukela eJamani! Kwiminyaka emithathu kamva, ndisakuthanda ukusebenziseka kweapp kunye nenkonzo yabathengi ihlala ikhawuleza kwaye intle! Andikaze ndizive ndedwa kwaye bahlala bendigcina ndihlaziywa. Yiyo yonke into endiyifunayo.
Ndicinga ukuba umxholo ulungile kubanini bedijithali kuphela. Ngelixa abantu abaninzi bengayiqondi i-bank yedijithali kwi-2020, ndiyavuya ndiyifumene le eYurophu! Enkosi
Umsebenzi onika inkxaso uyayiqonda ingxaki ngokukhawuleza kwaye ubuza imibuzo embalwa.
Ndicebise i-N26 kubahlobo ababini ngoku. Ndiziva ndikhuselekile kunye nabo kwaye ndiyayithanda uyilo losetyenziso
Ndiyayithanda iN26. Kulula.
Umsebenzisi ukusukela ngo-2016. Le bhanki yile kanye ekufanele ukuba yiyo zonke iibhanki. Ndandinomcimbi nekhadi lam kwaye iqela lenkxaso landinceda ukuba ndilisombulule ngengxoxo ekwi-Intanethi ngaphakathi kwemizuzu eli-15. Akukho bhanki yemveli ikhawuleza kangaka!
Bandihlawulise i-euro ezingama-14 kwiakhawunti yetyala ngaphandle kwesizathu emva kokwala ukusebenzisa ikhadi.
Inkonzo elungileyo yabathengi ifikeleleka ngencoko, ukuthengiselana kwenziwa kwangoko, kusenziwa kubelula ukubona iimali eseleyo ngawo onke amaxesha. Ndididekile kancinci ukuba banciphisile ukugubungela kwabo ubusela beeselfowuni eyayiyindawo enkulu yokuthengisa kum, kodwa iyonke inkonzo + yeenkonzo ixabisile.
Umsebenzi olunge kakhulu unxibelelwano phakathi kweenkonzo zentlalo kunye ne-AI kwinkqubela phambili Ifanelekile kakhulu
Ndiyayithanda iN26. Kulula.
Inkonzo ebalaseleyo kubathengi. Ndinengxaki yokuqokelelwa kwetyala kunye nomrhwebi onzima ngenene. I-N26 imqhubile ngokukhawuleza. Umrhwebi emva koko uzame ukuqokelela ityala lakhe, kodwa u-N26 walifaka kwi-bud.
Inokuba yeyona bhanki imbi kakhulu. Abazange bayisebenzise loo bhanki kube kanye, babaxelele ukuba bavale iakhawunti kwaye zange bayenze. Namhlanje, emva kweminyaka emibini, bandithumelela i-imeyile ukuba bandixelele ukuba ndinetyala le-93 euros kubo kwaye ukuba andiyibhatali, bazakundimangalela. Ungaze usebenzise le bhanki, ndiyaphinda, ungaze uyisebenzise. Baza kuzama ukukutshixela ngesivumelwano esibi kwaye awuyi kuba nakho ukuphuma kuso. Konke oya kufumana zizoyikiso. Kukho iibhanki ezingcono kakhulu. Kodwa ungayisebenzisi le. Unokuba namava amahle ngebhanki enje, kodwa iya kuba mbi kakhulu. Ngamava aqinisekisiweyo, zama enye yeebhanki ezidumileyo kwi-Intanethi kwaye awuzukujongana nezivumelwano ezithandabuzekayo ezinje!
Ndifunde itoni yohlolo olubi kule ndawo malunga nokuTshintshela kwaye ndiyamangaliswa. Ewe abantu abaninzi babhala uphononongo xa bengonwabanga yinkonzo. Nangona kunjalo, xa abantu banelisekile, abalichithi ixesha lokubhala. Oku, ndiyakholelwa, kuphazamisa iziphumo zokujonga kwakhona kwi-Intanethi, ndithanda ukungoneliseki, kwaye kunika umfanekiso ogqwethekileyo wenkonzo.
Aba bantu xa betshintshela kwelinye ilizwe bayamangalisa ngokumangalisayo! Zisuka nje, babonisa amaxabiso abo akhethekileyo kunye nokuzibophelela kwabo kuthi! Bahlala befika kulo msebenzi kwaye bayaqhubeka nokuphucula ukuba kunokwenzeka. Ukutshintshwa kwam kokugqibela kuthathe imizuzwana eyi-13. Inokwenzeka njani loo nto? Enkosi ngogqithiselo! ❤️
Le yinkonzo ebaluleke kakhulu kum. Nceda uxhase indlela okhonza ngayo. Ndandinombono wokuba yonke into yenziwe ebusweni.