EWE, kuyenzekabaye plusieurs akhawunti zebhanki
Ungavula ezininzi akhawunti zangoku njengoko unqwenela kwaye kwinani elingenamkhawulo lamaziko ebhanki okanye imibutho ye-intanethi.
Kakade ke, sinokuba neebhanki ezimbini? Ngokomthetho, unako ukuvula ezininzi akhawunti ebhankini njengoko ufuna. Akukho mida. Ngaloo ndlela kunokwenzeka ukuba ezininzi akhawunti ngaphakathi kwibhanki enye okanye enye/ezininzi akhawunti kwiibhanki ezahlukeneyo.
Yeyiphi eyona mali iphezulu kwi-akhawunti yokutshekisha? Akukho siling ubuninzi kwiakhawunti yangoku. Kwimeko nayiphi na into, kungcono ukuba ungagqithisi umda wesiqinisekiso se-100 euro. Nangona kunjalo, yena Est engenamsebenzi ukushiya imali eninzi ilele kwi compte kungabikho nzala.
Yintoni inzuzo yokuba neeakhawunti ezimbini zebhanki? Ngokukhetha deux uthungelwano ezahlukeneyo (Mastercard kunye Visa), ukuze ukwazi ukuhlawula ngokulula kwaye urhoxe phesheya. Ngokwenene, kuxhomekeke kwilizwe, inethiwekhi Est ngamanye amaxesha ukongamela. Qhagamshelana nomthelekisi wethu wamakhadi zebhanki ukufumana eyona mephu ingcono zebhanki simahla ubomi.
Nangona kunjalo, kufuneka ndishiye malini kwiakhawunti yangoku?
Yazi ukuba akukho somme eyona iphezulu iya kubanjwa a i-akhawunti yangoku. Nangona kunjalo, kusengcono ukuba ungabambeli ngaphezulu kwe-100 yee-euro. Enyanisweni, isiqinisekiso sediphozithi sikuvumela ukuba, ukuba ibhanki yakho ilahlekile, ikhuselwe ngokwemali ngokubulela kwi-Deposit Guarantee kunye ne-Resolution Fund (FGDR).
Kutheni unebhanki yesibini?
Ngapha koko, ukuba iiakhawunti ezininzi zangoku zivulwa ngokufanayo bank, ukwimeko efanelekileyo yokuthethathethana ngolawulo kunye neentlawulo zekhadi lokuthenga ngetyala. I bank inokukunika iinzuzo ezithile zorhwebo ezifana nokufikelela kumazinga okuboleka anomtsalane kunye nesibonelelo esine-ovadrafti.
Yeyiphi eyona bhanki ilungileyo yokuvula iakhawunti? Ngoku ka le ulwahlulo lwe eyona bhanki I-2021 kwikota yesithathu eveliswe liziko le-Posternak / Ifop kwaye yapapashwa ngenyanga de EyoMsintsi ngo-2021, le I-Credit Mutuel isabambe indawo yokuqala.
Ndingayifaka malini ebhankini ngaphandle kobungqina? Ngokomgaqo, akukho mda kwidiphozithi yemali kwi-akhawunti yakhe zebhanki umntu ngamnye. Ngapha koko, ngaphandle somme ye 8.000 euro, i bank kuya kufuneka ukuba akucele i ubungqina kwimvelaphi yemali.
Apho ukubeka isixa esikhulu semali?
Kungenzeka ukuba idiphozithi la somme efunwa ngemali ebhankini, kungekho mda uphezulu. Nangona kunjalo, ukusuka kwi-8000 ye-euro ngemali, ibhanki inokukucela ukuba uchaze umthombo wemali.
Ingaba ibhanki ingayithatha imali yam? Ewe. Kodwa abathengi kuphela (abantu ngabanye, abaziqeshileyo, amashishini amancinci naphakathi) abambe ngaphezulu kwe-100 yee-euro bank okanye inkampani yotyalo-mali eya kuphazamiseka kungaba zisetyenziswe. Baza kuthi ke bathabathe inxaxheba kwibheyile yangaphakathi, ebizwa ngokuba “yibheyile ngaphakathi”.
Zeziphi iiakhawunti ezifumana imali eninzi?
Iakhawunti ukuba izisa uninzi umdla yi incwadi Ingxowa-mali yoLondolozo lwaBantu (LEP). Ngoku unomvuzo oyi-1,25% ngonyaka. I-LEP igcinelwe abantu abanemivuzo ephantsi.
Kutheni uvule iakhawunti kwenye ibhanki? Iinzuzo zokuba nezinto ezininzi akhawunti imisinga
Kwaye siya kukhangela ngakumbiiindawo ezihambelayo iingenelo: Ukuba nekhadi lesibini zebhanki. Nikela nganye nganye compte kusetyenziso olwahlukileyo: enye yeendleko zemihla ngemihla, iautre utyalo-mali. Ikwakuvumela ukuba ulawule ngcono eyakho i-akhawunti yebhanki.
Bobuphi ubuncinci kwiakhawunti yangoku?
Yeyiphi eyona mali incinci yokuvula iakhawunti yebhanki?
Intlawulo ubuncinane kwindawo yokuvula | Iindlela zokuthumela intlawulo | |
---|---|---|
>> Bona umnikelo | 50 € | Intlawulo |
>> Bona umnikelo | Phakathi kwe-20 € kunye ne-150 € | Intlawulo |
>> Bona umnikelo | Wamkelekile: €50 Ultimate: €300 Ultimate Metal: €500 | Intlawulo |
>> Bona umnikelo | 150 € | Intlawulo |
Ingakanani imali endinokuyifaka ebhankini?
Kungenzeka ukuba idiphozithi la somme ufuna ukungena liquide à la bank, akukho mda uphezulu. Nangona kunjalo, ukusuka kwi-8000 euro ngemali, ukusekwa yebhanki cela ukuba uchaze imvelaphi yeemali.
Kutheni uneakhawunti yebhanki? Xa ungumnikazi we-a i-akhawunti yebhanki, unakho ukufikelela kwimali yakho naphi na apho kukho ibhanki okanye i-ATM. Unokuhlawulela ukuthenga kwakho ngokuthe ngqo ngeenkonzo ze-elektroniki usebenzisa ikhadi lakho letyala, elidityaniswe neyakho i-akhawunti yebhanki.
Yeyiphi eyona bhanki ikhuselekileyo eFransi? Ngokutsho kweMali yeHlabathi, ukusekwa eyona bhanki ikhuselekileyo eFransi BNP Paribas. VS'Est enkulu bank inombolo yemveli 1 ngokwemiqathango yorhwebo kunye le inani labasebenzi. Inzuzo yayo Est nayo kunye ibalulekile eFransi.
Yeyiphi ibhanki oza kuyikhetha ngo-2021?
Namhlanje, iSociété Générale iseyeyona ibalaseleyo bank kunye nearhente ye 2021. Olona ncedo luphambili lweSociété Générale kukufikelela kolona nxibelelwano lubanzi lwesebe eFransi. Umxhasi ngamnye uyaxhamla kwinkxaso yomntu ngamnye kunye nomcebisi ozinikeleyo.
Yeyiphi eyona bhanki ilungileyo ngo-2022? Ngokongeza inqaku kwiintlawulo zebhanki kunye nenqaku leenkonzo zebhanki, iFortuneo Ibhanki yile ekhethiweyo eyona bhanki ilungileyo ngo-2022, phambi kweBoursorama Bank, BforBank, Molo ibhanki! kunye neMonabanq.
Uyithethelela njani imali ezinkozo?
Phakathi kwe-1501 kunye ne-10 ye-euro efakwe kwiintsuku ezingamashumi amathathu, iBhanki yePosi ngoku ifuna ubungqina bemvelaphi yeemali. Umthengi kufuneka anike ibhanki yakhe i-invoyisi okanye ileta ye-notary xa kwenzeka ilifa, umzekelo, ukubonisa ubungqina bemvelaphi yemali.
Indlela yokuqinisekisa idiphozithi yemali? Idiphozithi yemali ebhankini: inkcazelo
Xa ufaka imali, kufuneka usoloko ufumana irisithi. Mhlawumbi ku idiphozithi ngaphezu kwe-euro eyi-1, ubungqina bemvelaphi yemali bunokucelwa.
Indlela yokulungisa idiphozithi yemali enkulu?
Ukusuka €8 Ukuba ufuna ukwenza a idiphozithi eyodwa kwi imali, d'ixabiso elikhulu kune-8 ye-euro, ibhanki inelungelo lokukucela ukuba wenze njalo ukuthethelela yemvelaphi yemali. Yintoni ayenza rhoqo (uya kufumana umnxeba ovela kumcebisi wakho).