Le samedi njengeCawa Est iphathwe njengeholide kawonke-wonke. Oku kunokumangalisa kuba iibhanki ezininzi zivuliwe ngolu suku. Ngoko ke akukho nanye ukudlulisa ne sidlule, nkqu i ugqithiselo elektroniki ukuba akufuni ungenelelo ebhankini.
Ukongezelela, lufika nini utshintsho olwenziwe ngoMgqibelo ngokuhlwa? Ibhanki yomxhamli iyafuneka ukuba ifake imali ngokukhawuleza kwi-akhawunti yomxhamli. THE ugqithiselo Classic SEPA wangena emva 18 p.m., okanye samedi, ngeeCawe kunye neeholide zikawonke-wonke, zilungiswa ngosuku olulandelayo lomsebenzi.
Ngaba utshintshelo luyadlula ngeMivulo? Ukuba ibhanki yakho Est vula lundi, kwaye le lundi kuthethwa ngayoEst hayi iholide kawonke, ungafumana ngokupheleleyo yakho ukudlulisa eqhubekayo lundi.
Lufika nini utshintshiselwano olwenziwe ngoLwesine ngokuhlwa? Intlawulo NgoLwesithathu: +2 iintsuku = NgoLwesihlanu. Intlawulo le jeudi : +2 iintsuku = ngoMgqibelo. Intlawulo NgoLwesihlanu: +2 iintsuku = ngoMvulo.
Ke, ngaba ukudluliselwa kungafika ngexesha lasemini? Abancedisi bebhanki kungaba yenze yonke loo nto journée. VS 'Est ngoko ixesha lokukhutshwa elimisela iukufika kwiakhawunti yakho. Ukuba ibhanki iqalisa ngokukhawuleza inkqubo, ihamba ngokukhawuleza ukususela ekubeni iitshekhi ziqhutywe ngokukhawuleza. VS'Est ityala ngexesha leeyure xa abasebenzi besebenza.
Ngaba ukudluliselwa kwenziwa ebusuku?
Xa ifayile ye- ukudlulisa kwenzeka phakathi kweeakhawunti ezimbini zomnini-akhawunti omnye, akukho mda wexesha. Yena Est ikhredithiwe kwangoko. Lo msebenzi wangaphakathi ke ngoko unokwenza ngexesha lokuzikhethela kwakhe. Nye ukudlulisa dans la ubusuku bu ngoko ke kunokwenzeka kulo mxholo.
Ngaba kunokwenzeka ukufumana ukudluliselwa ngoMvulo? Kufuneka uyazi ukuba ngokomgaqo i lundi, animkeli; ukudlulisa. Kodwa, oku kwenzekaEst ayisiyonyani kuzo zonke iimeko kuba oko kuxhomekeke kwiintsuku zokuvulwa kwebhanki yakho. Ulibaziseko phakathi komyalelo kunye ne ukudlulisa kwiakhawunti yakho ke tshintsha ngokwale parameter.
Kutheni ukudluliselwa kungenziwa ngeMivulo? Kutheni ungenzi singa pas fumana kwi ukudlulisa le lundi ? Iibhanki ezininzi zivaliwe lundi. Kwaye kukho ukulibaziseka kwe-interbank yosuku olunye lweshishini. Ce ixesha livumela ukusekwa ukujonga nebhanki ekhuphayo ukuba umntu otyalwayo unemali efunekayo yokuhlawula ukudlulisa.
Kutheni ukutshintshwa kuthatha ixesha elide ukufika?
Ukuba umyalelo we ukudlulisa yakhutshwa ngoLwesihlanu (okanye ngempelaveki), iya kuthatha ixesha elide Postnet. Iibhanki azisebenzi ngeMigqibelo nangeeCawe (ngamanye amaxesha nangoMvulo) kwaye ke kuya kufuneka ulinde kude kube sekuqaleni kweveki elandelayo ukufumana ukudlulisa.
Indlela yokufumana ukudluliselwa ngokukhawuleza? Ukwenza i ukudlulisa ngoko nangoko, yiya kwindawo yomthengi wakho kwaye ukhethe ukhetho ukudlulisa ngoko nangoko. i ukudlulisa yenziwa ngaphantsi kwemizuzwana eyi-10 phakathi kweeakhawunti ezimbini. Eli nqaku lifumaneka iiyure ezingama-24 ngosuku, iintsuku ezisi-24 ngeveki kwaye ixabiso layo liyahluka ngokweebhanki.
Indlela yokufumana ukudluliselwa ngokukhawuleza?
Ukufezekisa ukudlulisa ibhanki engxamisekileyo, ngaphandle kwangoko, kungcono ukuba uhambe ngebhanki ye-intanethi, ikuvumela ukuba ungeze kword umxhamli kunye nokwenza kwangoko ukudlulisa. Ngaloo ndlela, amaxesha okuhanjiswa ayancipha, ukuba kungekhona amaxesha okwamkela.
Kutheni kungekho transfer ngoMvulo? Pourquoi asikwazi thina pas fumana kwi ukudluliselwa ngoMvulo ? Iibhanki ezininzi zivaliwe lundi. Kwaye kukho ukulibaziseka kwe-interbank yosuku olunye lweshishini. Eli xesha livumela ukusekwa ukujonga nebhanki ekhuphayo ukuba umntu otyalwayo unemali efunekayo yokuhlawula ukudlulisa.
Kutheni iibhanki zivaliwe ngoMvulo?
KUTHENI IZIBHANGE ZIVALWA NGEMIVULO ? Njengamashishini amaninzi, amaninzi iibhanki Est ivaliwe ngoMvulo. Esi senzo senzelwe ukuba sixhaphake ngenxa yokuba izixhobo zokubala sont ivulwa ngeMigqibelo isenzelwa ama-80% abantu abangaphangeliyo ngolo suku nabanokwenza iibhanki zabo ngelo xesha kuphela.
Kutheni ndingafumani utshintsho lwam?
Zininzi izizathu ezichazayo Ngoba un ukudlulisa iye pas icwangcisiwe okwangoku: Umntu uphulukene ne-RIB (iSiteyitimenti seSazisi seBhanki) Kukho into engekhoyo kwifayile yakho ukwenzela ukudlulisa ingathunyelwa. Umntu uphikisana nento yokuthengisa kunye ne ngoko ufuna ukukuhlawula ngaphezulu ukudlulisa.
Zeziphi iintsuku zokusebenza ebhankini? Ngokubanzi, siqwalasela iintsuku zokusebenza les iintsuku NgoMvulo ukuya ngoMgqibelo kubandakanywa. I iintsuku zokusebenza ziintsuku ngokwenene wasebenza (ngoMvulo ukuya ngoLwesihlanu okanye ngoLwesibini ukuya ngoMgqibelo kuxhomekeke kwisebe lebhanki). Ngenxa yoko, iveki ine-5 iintsuku ezivulekileyo kunye ne6 iintsuku zokusebenza (ngaphandle kwe iintsuku iiholide).
Indlela yokukhawulezisa ukudluliselwa? Ukubona un ukudlulisa ibhanki engxamisekileyo, ngaphandle kwangoko, kungcono ukuba ungene kwibhanki ye-Intanethi, ikuvumela ukuba wongeze ngokukhawuleza umxhamli kwayeukwenza ngoko nangoko i ukudlulisa.
Kutheni le nto udluliselo lungangxami?
Ngokungafaniyo ne- ugqithiselo olukhawulezileyo, le ukudlulisa ibhanki zakudala ayiyo wabulawa kwangoko. Kuthatha iintsuku ezi-1-3 zokusebenza kwi- ukudlulisa ifakwe kwi-akhawunti yomxhamli. Ngaloo ndlela, a ukudlulisa I-SEPA eyenziwa ngoMgqibelo ayiyi kuba pas ifakwe kumxhamli phambi koMvulo.
Ndinokuqiniseka njani ukuba udluliselo lwenziwe? amagqabantshintshi ndazi ukuba wam ukudlulisa Ilungile ngephanyazo Ète kudunyisiwe sur iakhawunti yabaxhamli? Ngokukhawuleza ukuba imali ifakwe sur kwi-akhawunti yomxhamli wakho, uya kufumana isaziso se-imeyile esikugcina usazi.
Uyifumana njani imali ngokutshintshela ebhankini?
galela ukufumana intlawulo nge ukudlulisa, konke okufuneka ukwenze kukungenisa okanye ukuthumela iNgxelo yeSazisi Ibhanki yeakhawunti yakho, kumthengi wakho.
Lithini ixesha lokugqibela lokudluliselwa phakathi kweebhanki ezi-2? i ukudlulisa ibhanki yindlela d'ukuthumela imali ngakumbi nangakumbi yangoku. Yazi ukuba kukho a Umda wexesha de ukudlulisa, uthi " Umda wexesha interbank", kuquka Entre I-1 kunye neentsuku zokusebenza ze-4 kuxhomekeke iibhanki (Umda wexesha iyaguquguquka ngokuxhomekeke kuhlobo lwe ukudlulisa, imali kunye nelizwe.)
Yeyiphi eyona mali iphezulu yogqithiselo olukhawulezileyo?
Le isixa du ukudlulisa SEPA umfanekiso okhawulezayo ifakwe kwi-€ 15 ngentengiselwano nganye (imimiselo yaseYurophu). Kodwa iziko lebhanki ngalinye linokubeka izixa ngaphantsi. Boursorama caps at €500 i ugqithiselo olukhawulezileyo.
Kutheni ukutshintshwa kuthatha ixesha elide kangaka? Ukuba umyalelo we ukudlulisa yakhutshwa ngoLwesihlanu (okanye ngempelaveki), iya kuthatha ixesha elide Postnet. Iibhanki azisebenzi ngeMigqibelo nangeeCawe (ngamanye amaxesha nangoMvulo) kwaye ke kuya kufuneka ulinde kude kube sekuqaleni kweveki elandelayo ukufumana ukudlulisa.