Ukufumana utshintshelo, ukudluliselwa okulula de umntu wesithathu BIC/IBAN yakho yanele galela yenza olu dluliselo. De Meme galela umba a ukudlulisa uya kufuna i-BIC/IBAN yomxhamli. Unokwenza lo msebenzi ngokuthe ngqo kwindawo yakho yomthengi ekhuselekileyo.
Ngaphezu koko, yeyiphi inombolo onokuyinika ukufumana utshintshiselwano lwebhanki? Qaphela ukuba ulwazi oluyimfuneko ukudluliselwa linani le-akhawunti ekufuneka itsalwe, isixa-mali, umhla onokwenzeka dukuphunyezwa okunqwenelekayo kunye neenkcukacha zebhanki ze-akhawunti eza kufakwa kwikhredithi, ngamanye amazwi i-IBAN yayo (iNombolo yeAkhawunti yeBhanki yamazwe ngamazwe).
Yintoni umngcipheko wokunika i-IBAN yakho? Injalo kuyingozi ukunika i-IBAN yakho ? Nika uniquement IBAN yakhe Ayinabungozi ngenene, kuba iibhanki ziyayifuna xa kufuneka kumiselwe utshintshiselwano okanye idebhithi ngqo. Ukusetyenziswa kwale khowudi liziko lebhanki likhuselekile ngokupheleleyo.
Ndiyifaka njani imali kwiakhawunti yomnye umntu? Ngefeksi okanye ngeposi
- Thumela i-odolo yokudluliselwa kwibhanki yakho echaza: isixa sodluliselo; umhla wokudluliselwa; ifani kunye negama lokuqala lomamkeli; inani lakho compte kwikhuriya.
- Qhoboshela iinkcukacha zebhanki zomamkeli kunye nesazisi sakho kumyalelo wotshintshiselwano.
Nangona kunjalo, njani ukuthethelela ukudluliselwa kwebhanki?
impendulo
- isazisi sokutsalwa kwemali kwikhawuntara, ukuhanjiswa kwendlela yokuhlawula (incwadi yetshekhi okanye ikhadi), njl.
- ubungqina bendawo yokuhlala a ukudlulisa ngaphandle koMmandla woQoqosho waseYurophu.
- Ubungqina bengeniso kunye nee-asethi ekufuneka uziboleke (okanye ube yisiqinisekiso)
Iphi inombolo ye-IBAN?
L 'IBAN yiyo ekhankanywe kwingxelo yesazisi yebhanki nganye (RIB) yomsebenzisi. Le RIB iqulethe iinkcukacha ezimbini eziphambili zolwazi: i-BIC (iKhowudi ye-Bank Identifier), isichongi esisemgangathweni samazwe ngamazwe samaziko emali; kwaye iIBAN ehambelana ne-akhawunti yebhanki esemgangathweni yamazwe ngamazwe.
Ngaba kuyingozi ukunika iinkcukacha zebhanki yakho xa utshintshelwa kwelinye ilizwe? Kuyinto kunokwenzeka ukuhambisa UBAMBO lwakhe sans Ingozi, okanye phantse. Qiniseka: imingcipheko enxulumene nokuvalelwa d'ingxelo enye d'Isazisi seBhanki sont encinci. Ukuba kukho umntu oza kubamba eyakho LUBambo, il awuzukwazi ukutsala imali kwiakhawunti yakho yebhanki.
Ngaba i-IBAN iyimfihlo? Ingxelo yesazisi sebhanki (RIB) Est ebandakanya inombolo ebizwayo IBAN. Kwenza kube lula ukuchonga i-akhawunti yebhanki yomntu osuka kwi-European Union, njengepleyiti yelayisensi yesithuthi umzekelo. Yena Est ngoko ke yodwa, kodwa hayi oluyimfihlo.
Ngaba kuyingozi ukunika i-RIB yakho kumntu ongamaziyo?
Ngenisa eyakho LUBambo emntwini, okanye alahlekelwe yikopiEst hayi into enkulu kodwa ayikhoEst akukho sizathu sokuvumela yakho LUBambo naphi na. Umngcipheko worhwaphilizo, nokuba uphantsi kakhulu, ukhona!
Ndenze njani utshintshelo kwiakhawunti yomntu La Poste? Le ukudlulisa I-SEPA iyafumaneka kubathengi Ibhanki yeposi :
- Kwifowuni ku-3639 ( 3 ) : Yiba negama lakho lomsebenzisi kunye negama lokugqitha elilungele ukuqinisekiswa kwi-intanethi ku-3639 ( 3 ) . ...
- Kwiofisi yakho post ngokwesiqhelo: Yiya kwiofisi yakho post eqhelekileyo ukwenza eyakho ukudlulisa .
Ingakanani imali yodluliselo ngaphandle kobungqina?
Kwimeko ye ukudlulisa SEPA, i amaxwebhu axhasayo kunyanzelekile ukusuka kwi-euro eyi-150.
Indlela yokuqinisekisa imvelaphi yeemali? Isibhengezo sembeko yeUmthombo wemali (DOF)
Obu bungqina bunokuba yikopi yetayitile yentengiso (kwimeko ye imali ukusuka kwintengiso ye-real estate), ikopi yetayitile yokulandelelana okanye isiliphu somvuzo.
Indlela yokulungelelanisa ukurhoxiswa kwemali?
Akukho naphantsi kweemeko umthetho waseFransi ubophelela abathengi dibhanki kwi thethelela ukurhoxiswa'Argent imali, nokuba yeyiphi na imali. Ngoko ke ukhululekile ngokupheleleyo ukuba susa imali (nokuba ikwi-ATM okanye kwikhawuntara yebhanki yakho) ngaphandle kokunika ubungqina.
Uyingenisa njani ikhowudi ye-IBAN?
Yenziwe ngobuninzi beempawu ze-34 (abalinganiswa be-27 kwii-akhawunti ezigcinwe eFransi, ngokuqala nge-FR elandelwa ngabalinganiswa be-2 emva koko iidijithi ze-23 ze-RIB endala - ikhowudi yeziko lebhanki, ikhowudi ye-counter, inombolo ye-akhawunti kunye nesitshixo se-RIB).
Ngabaphi abalinganiswa aba-4 bokugqibela be-IBAN? Le RIB ke ngoko yenziwe ngamanani angama-23. Ezi-5 zokuqala zimele ikhowudi yebhanki yakho, ezi-5 ezilandelayo zimele ikhowudi yekhawunta yakho. Emva koko amanani ali-11 alandelayo sont inombolo yeakhawunti yakho, kunye ne-2 derniers chiffres sont yintoni ebizwa ngokuba liqhosha le-RIB.
Ndiyifumana njani IBAN yomntu? Ukuba uyafuna yazi i-IBAN kwiakhawunti ye umntu othileenye, kuya kufuneka umcele ukuba ayithumele kuwe. Asiyonto iphambili enokwenzeka ukuthelekelela okanye ukufumana yena ngokwakheIBAN ukusuka kwiakhawunti ye umntu othilengaphandle kwakho. Lo mntu unokukunika ikhowudi yakhe IBAN eyedwa.
Angenza ntoni umntu ngeRIB?
Un UBAMBO unako uya kucelwa ukuba wenze ukudluliselwa kwi-akhawunti yakho yebhanki (umvuzo, izibonelelo zentlalo, ukubuyisela iindleko zempilo, njl.). Yena kungaba kwakhona kusetyenziswe, kuxhomekeke kwimeko, ukuhlawula iinkonzo ezithile nge-debit ngqo (i-bill yombane, i-intanethi ye-intanethi, njl.).
Ngaba kunzulu ukuphulukana ne-RIB? Ukuphulukana ne-RIB hayi 'Est ayinabungozi ngokwayo, kodwa ukuba umntu okhohlakeleyo unokufikelela kwamanye amaxwebhu afana namaphepha akho esazisi, lo mntu unokurhwaphiliza isazisi sakho aze ke enze i-SEPA itsale imali ngokuthe ngqo okanye athenge ngayo kwiakhawunti yakho yebhanki ngaphandle kolwazi lwakho.
Ndingayinika IBAN yam ngomnxeba?
Ngokubonisana ne-RIB yakho, mhlawumbi sele uqaphele inani IBAN. L 'IBAN sisishunqulelo esimele “iNombolo yeAkhawunti yeBhanki yaMazwe ngaMazwe”, nto leyo ethetha ukuba yinombolo yamazwe ngamazwe yeakhawunti yakho yebhanki.
Yintoni umahluko phakathi kwe-RIB kunye ne-IBAN? Ikhowudi IBAN ngumgangatho wamazwe ngamazwe ochonga i-akhawunti yebhanki eyodwa. Kwi Fransi , ibunjwe ngoonobumba abangama-27, oonobumba aba-2 kunye namanani angama-25, kodwa inokuba noonobumba abangama-34. Ikhowudi IBAN iqala ngekhowudi yelizwe, FR ye Fransi , isitixo IBAN 2 amanani emva koko i LUBambo Amanani ali-23.