Kwi ICisisse d'épargne, les ugqithiselo zibekwe kwi-5 ye-euro ngentengiselwano nganye, i-000 yee-euro ngosuku, i-euro ezingama-10 ngeveki kunye ne-000 yee-euro ngenyanga. Ngesixa esikhulu kune 20 euros, umthengi umenywa ukuba ukufezekisa ngezavenge ukuze ungagqithi kumda ophezulu we-5 euros.
Ngaphezu koko, kutheni ndingakwazi ukwenza udluliselo olukhawulezileyo lweCaisse Epargne? Yena ne nguwe pas icetywayo ukwenza des ugqithiselo SEPA Amagqabantshintshi, Ngoba ? Inkqubo ye- ukudlulisa SEPA Ngokukhawuleza inikezelwa kuphela ukuba i-akhawunti yomxhamli wakho igcinwe yibhanki eyamkelayo ugqithiselo olukhawulezileyo.
Yeyiphi eyona mali iphezulu yogqithiselo lweCaisse Epargne? Isilingi tshintshela kwi la Phuma d 'Iyagcina
La Phuma d 'Iyagcina igunyazisa abathengi bayo à Jikela kwi ubuninzi ishumi lamawaka euro ngosuku, esazi ukuba ukudlulisa ayinakudlula amawaka amahlanu eeuro. Umntu kufuneka atshintshe ishumi lamawaka eeuro ngexesha losuku uya kuba nako ukwenza, kodwa kwimisebenzi emibini de amawaka amahlanu euro.
Ngaba ndingenza utshintshiselwano lwe-€20.000? Ubuninzi bexabiso elinye ukudlulisa ibhanki yebhanki ngebhanki. Njengoko kuchaziwe ngasentla, akukho mda wesilingi enye ukudlulisa esemthethweni.
Nangona kunjalo, ndingenza utshintshiselwano lwe-euro ezingama-15000?
Ngokwenene, isilingi ye-a ukudlulisa umfanekiso okhawulezayo 15 000 euro. Nangona kunjalo, ibhanki nganye ikhululekile ukuseta umda osezantsi omiselweyo. Ukuba oku kunjalo, ungathethathethana nomcebisi wakho ukuze uxhamle kwisilingi ephezulu ye 15 000 € ngomsebenzi ngamnye.
Ngaba kunokwenzeka ukwenza udluliselo olukhawulezileyo?
Le ugqithiselo olukhawulezileyo inokudlulisa imali ngemizuzwana eyi-10 ubuninzi. Ngokungafaniyo ne-a ukudlulisa classic, inkonzo Est ifumaneka 24/24. Esi sisombululo sentlawulo Est kutshanje, yena yasungulwa ngo-2018 kwayeEst ayifumaneki kuzo zonke iibhanki. Unjalo rhoqo ukuhlawulwa.
Yeyiphi eyona mali iphezulu yokudluliselwa kwebhanki yeCaisse Epagne? Isilingi ye ukudlulisa à la Phuma d 'Iyagcina
La Phuma d 'Iyagcina igunyazisa abathengi bayo ukuba badlulise ubuninzi ishumi lamawaka euro ngosuku, esazi ukuba ukudlulisa ayinakudlula amawaka amahlanu eeuro. Umntu omele atshintshe ishumi lamawaka eeuro ngexesha lasemini uya kukwazi ukwenza njalo, kodwa kwimisebenzi emibini yee-euro ezingamawaka amahlanu.
Yeyiphi eyona mali iphezulu yodluliselo? Kwimeko yokudluliselwa I-SEPA ye-Classic, kwithiyori, kukho a akukho cap. Kwelinye icala, kwimeko yokudluliselwa Instant SEPA, ke imithetho sont ukuba awukwazi ukudlulisela ngaphezulu kwe-15 yee-euro ngexesha elinye ukudlulisa.
Ndingayidlulisela malini kwenye iakhawunti yebhanki?
Le yokugqibela phantse yonke iseti isilingi, nokuba ngokwentengiselwano okanye ngosuku. Ngokomzekelo, umda wokudluliselwa okuphumayo ukusuka kwi-N26 yi-€ 50 ngosuku, kodwa oko ukusuka kwi-LCL yi-000 ye-euro kuphela ... I-Boursorama yenye yeebhanki kuphela ezingabeki umda wokudluliselwa.
Indlela yokwenza ugqithiselo olungaphezulu kwe-5000? Unethuba lokuba yenza ugqithiselo olungaphezulu kwama-5000 euros ngqo kwindawo yakho yabathengi online. Kuya kufuneka ube neselfowuni yakho kuba ikhowudi yethutyana eyimfihlo iya kuthunyelwa kuwe ukuvumela ukuqinisekiswa kwentengiselwano yakho.
Yeyiphi eyona mali iphezulu egunyazisiweyo yokudluliselwa?
Pha a akukho mgaqo unciphisa i isixa sodluliselo , ngaphandle galela le ukudlulisa "Ngoko nangoko" SEPA umda yimigaqo ukuya 15 euro per ukudlulisa. Kodwa iibhanki sont bakhululekile ukumisela eyabo imida.
Ingakanani imali yogqithiselo ekrokrisayo? Esi sibophelelo esicwangcisiweyo sikwachaphazela iidiphozithi zemali kunye nokutsalwa kwemali kwi-akhawunti izixa eqokelelwe kwinyanga yekhalenda idlula i-euro ezili-10 - nokuba zii-euro okanye kwiimali zangaphandle -, umda we-euro ezili-000 uvavanywa ngokuzimeleyo ukurhoxiswa kunye neediphozithi.
Indlela yokudlulisa isixa esikhulu semali?
I-Western Union, i-Moneygram okanye i-PayPal: Abaqhubi abakhethekileyo
- Tshintshe de l ' Argent kunye neWestern Union: Oyena mqhubi owaziwayo.
- MoneyGram ukudluliselwa d ' Argent : Enye yezona zindala kwimarike
- I-TransferWise inikeza amaxabiso amahle.
- PayPal kunye ukudluliselwa d ' Argent kwi wallet virtual.
Indlela yokudlulisela imali eninzi?
Ngeemali ezinkulu, oku kuqhele ukwenziwa kwiakhawunti yebhanki, nangona ungasebenzisa idebhithi okanye ikhadi letyala. Umboneleli wakho wemali uya kwenza utshintsho, kwaye afake imali, kwimali entsha, kwi-akhawunti yebhanki yomamkeli.
Yeyiphi ibhanki etshintshela ngoko nangoko? Ngoko khetha iakhawunti yakho ngobulumko. zebhanki ukuthatha ithuba lomsebenzi we ugqithiselo olukhawulezileyo. Les iibhanki kwi-intanethi engekayithengi intlawulo isifinyezo zi-ING (azicwangciselwanga i-2019), i-BforBank, i-Orange Bank, i-Nickel, i-LCL kunye ne-HSBC. N26 ivumela i ugqithiselo olukhawulezileyo ngenkonzo yeMoneyBeam.
Yeyiphi ibhanki etshintshela ngoko nangoko? Boursorama Bank ngowokuqala bank IsiFrentshi kwi-intanethi. Ngo-2020, ibinabathengi abangaphezu kwezigidi ezi-2. Phakathi kwezibonelelo zayo ezahlukeneyo kunye neenkonzo, iBoursorama ngokucacileyo ibonelela ugqithiselo olukhawulezileyo.
Uthini umhla wokugqibela wokudluliselwa ngoko nangoko?
Ukusukela ekupheleni kuka-2018, iibhanki zelizwe ziye zafumaneka ngokuthe ngcembe kubathengi bazo ugqithiselo olukhawulezileyo (okanye iNtlawulo ekhawulezileyo). Imalunga yokudluliselwa I-SEPA, isetyenziswe kwi-a Umda wexesha yemizuzwana eli-10 okanye engama-20, ifumaneka iiyure ezingama-24 ngosuku, iintsuku ezisi-24 ngeveki, yonke imihla enyakeni.
Ngaba ndingenza utshintshiselwano lwe-euro ezingama-20.000? Ubuninzi bexabiso elinye ukudlulisa ibhanki yebhanki ngebhanki. Njengoko kuchaziwe ngasentla, akukho mda wesilingi enye ukudlulisa esemthethweni.
Yeyiphi imali egqithiselwayo ngaphandle kobungqina?
Kwimeko ye ukudlulisa SEPA, i amaxwebhu axhasayo kunyanzelekile ukusuka kwi-euro eyi-150.
Ingakanani into esinokuyidlulisela ngaphandle kobungqina? Kwimeko yokudluliselwa kwe-SEPA, i amaxwebhu axhasayo kunyanzelekile ukusuka kwi-euro eyi-150.