e Boursorama Ibhanki, apho a akukho umda de imali ye yenza a ukudlulisa ibhanki, ngaphandle galela les ugqithiselo izifinyezo galela leyo i umda wasempuma ye-€2 ngosuku.
Ngaphezu koko, yintoni ukudluliselwa okuphezulu? Iisilingi ze ugqithiselo kwiibhanki ezinkulu
I-Plafond ukudlulisa kwiBhanki yePosi: € 3 ubuninzi ngosuku. Isilingi ukudlulisa eBoursorama: Akukho mali ubuninzi kuthulula les ugqithiselo ebhankini. Isilingi ukudlulisa eCaisse d'Epargne: €5 ubuninzi par ukudlulisa kunye ne-10 € ubuninzi ngosuku.
Ungayenza njani i-euro eyi-20.000? ING ngqo: akukho siling ezinzileyo.
Nangona kunjalo, ikhowudi yokhuseleko yethutyana iyacelwa kwiimali ezingaphezulu kwama-5 kowethu. Monabanq: 20 000 euro ngomsebenzi ngamnye kwaye ngosuku, 80 kowethu ngeveki kunye nama-120 kowethu ngenyanga kwi ugqithiselo zakudala kwiibhanki French.
Kutheni ndingakwazi ukwenza udluliselo lweBoursorama olukhawulezileyo? Iakhawunti yomamkeli ye ukudlulisa ayiyo pas i-akhawunti yangoku egcinwe ngaphakathi kwe-SEPA* zowuni (ifanelekile kuphela i ugqithiselo olukhawulezileyo) I-akhawunti yomamkeli ivaliwe Kukho impazamo kwiinkcukacha zebhanki zomamkeli. Ibhanki yabaxhamli ne sicebisa pas kwakhona i ugqithiselo olukhawulezileyo
Nangona kunjalo, yintoni ukudluliselwa ngokukhawuleza?
Le ukudlulisa SEPA isifinyezo okanye iNtlawulo ekhawulezileyo Est un ukudlulisa I-SEPA yenziwe ngemizuzwana eyi-10(1) ngemali eyenziwe yafumaneka kumxhamli. Intlawulo ikhuselwe ngobungqina obunamandla kwaye iyafikeleleka nangaliphi na ixesha.
Yeyiphi imali egqithiselwayo ngaphandle kobungqina?
Kwimeko ye ukudlulisa SEPA, i amaxwebhu axhasayo kunyanzelekile ukusuka kwi-euro eyi-150.
Ngaba ndingenza utshintshiselwano lwe-€20.000? Ubuninzi bexabiso elinye ukudlulisa ibhanki yebhanki ngebhanki. Njengoko kuchaziwe ngasentla, akukho mda wesilingi enye ukudlulisa esemthethweni.
Ngaba ndingenza utshintshiselwano lwe-5000 ye-euro? Ngexabiso elikhulu kune 5 000 euro, umthengi uyamenywa ukuba ayenze kwizigaba ezininzi ukuze angagqithisi umda ophezulu we 5 000 euro. Ekubeni iimeko zihluke kwibhanki enye ukuya kwenye: ngoko ke kungcono ukubuza kunye neyakho phambi kokuba naluphi na umsebenzi.
Indlela yokudlulisa isixa esikhulu semali?
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.
Ndingabhala itshekhi ye-20.000 ye-euro? Ngokomthetho, akukho sixa siphezulu sokukhupha a uhlole ibhanki okanye a uhlole ibhanki.
Indlela yokuhlawula imali eninzi?
Itshekhi ye-cashier yindlela yoku inkokhelo ithembeke ngakumbi kunetshekhi yakudala, kuba ikhutshwa yibhanki.
Kutheni ndingakwazi ukwenza udluliselo olukhawulezileyo? Nazi izizathu ezinokwenzeka: Ibhanki yomxhamli ayamkeli pas les ugqithiselo olukhawulezileyo. Iakhawunti yomxhamli ivaliwe. Ugqithise ubuninzi bemali ye ugqithiselo olukhawulezileyo.
Kutheni ndingakwazi ukufumana udluliselo olukhawulezileyo?
Ingqalelo, ukuze umsebenzi usebenze, ibhanki yokufika kufuneka ihambelane nayo. Nokuba ibhanki yomthengi inikeza le nkonzo, yona ne ngeke pas qonda ugqithiselo olukhawulezileyo kwiakhawunti yangoku ebekwe ebhankini ne iyayixhasa pas.
Kutheni ndingafanelanga ukuTshintshelwa ngoko nangoko?
Kuphela ii-akhawunti zangoku kwi-SEPA zone (iYurophu kuquka neFransi) inokufunyanwa ugqithiselo olukhawulezileyo. Wena ne ke ngoko pas yenza olu hlobo lwe ukudlulisa kwi-akhawunti ye-password okanye kwi-akhawunti yangaphandle (ngaphandle kwendawo ye-SEPA).
Lingakanani ixesha lokudluliselwa ngoko nangoko? Ukusukela ekupheleni kuka-2018, iibhanki zelizwe ziye zafumaneka ngokuthe ngcembe kubathengi bazo ugqithiselo olukhawulezileyo (okanye iNtlawulo ekhawulezileyo). Oku yi ukudlulisa 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.
Yeyiphi imigaqo yogqithiselo olukhawulezileyo? i ugqithiselo olukhawulezileyo ikuvumela ukuba uthumele, ngaphantsi kwemizuzwana ye-10, imali kwi-Euro kumxhamli obekwe kwindawo ye-SEPA. Unyango lwe ugqithiselo olukhawulezileyo ingathatha ukuya kwimizuzwana engama-20 xa kukho ubunzima ekusebenzeni. Emva kweli xesha, ukuba i ugqithiselo olukhawulezileyo ayizange yenzeke, yona Est Irhoxisiwe.
Ndiluqinisekisa njani ugqithiselo olukhawulezileyo?
amagqabantshintshi ndazi ukuba wam ugqithiselo olukhawulezileyo ifakwe kwi-akhawunti yomxhamli? Nje ukuba imali ifakwe kwi-akhawunti yomxhamli wakho, uya kufumana isaziso se-imeyile esikugcina usazi.
Indlela yokuqinisekisa ukudluliselwa kwebhanki enkulu? Ngokuxhomekeke kumsebenzi oza kwenziwa, amaxwebhu axhasayo asoloko ecelwa ahambelana nale:
- isazisi sokutsalwa kwemali kwikhawuntara, ukuhanjiswa kwendlela yokuhlawula (incwadi yetshekhi okanye ikhadi), njl.
- ubungqina bendawo yokuhlala a ukudlulisa ngaphandle koMmandla woQoqosho waseYurophu.
Ndiyidlulisela njani ngaphezulu kwe-€3000 kwiBhanki yePosi?
Isicelo sokwandiswa kwesilingi sinokuba ukwenza nge-imeyile okanye umnxeba kumphathi weakhawunti. Ukuqukumbela, i Ibhanki yeposi ayinyanzelisi siling ukudlulisa ngaphandle kokuba kubonelelwe ngolunye uhlobo ngumthetho okanye ngenxa yezizathu ezibambekayo ezifana nokunqongophala kwemali yokuhlawula amatyala kwi-akhawunti.
Yeyiphi eyona ndlela ilungileyo yokuhlawulwa kunye nokudlulisela imali kwiMida? Ukuba le mpahla ithunyelwaEst hayi ngokukhawuleza, esona sisombululo sinoqoqosho kukusebenzisa iinkonzo zokuqalisa de la ezemali (TransferWise, Xendpay, PayTop). Ezi nkampani, obani zifumaneka kuphela kwi-Intanethi, zibonelela ngokukhawuleza (ubuninzi beentsuku ezi-2 zokusebenza) kunye neenkonzo ezingabizi kakhulu.
Yeyiphi eyona ndlela yokuthumela imali?
Isisombululo esiqhelekileyo, ukuhanjiswa kwecingo kuqulethwe ukudlulisaArgent ukusuka kwiakhawunti yebhanki ukuya kwenye. Xa le nkqubo Est eyenziwe kwi-intanethi okanye ngesicelo sebhanki, iimali sont idluliselwe kwiiyure ezingama-24 kwaye simahla ukuba iakhawunti yomxhamli Est ilawulwa kwindawo ye-SEPA.
Zithini iintlawulo zotshintshelo? Zithini iintlawulo zotshintshelo ngokwebhanki yakho?
I-intanethi | Kwi-arhente | |
---|---|---|
Ubuqhophololo Udluliselo lwetyala kwibhanki yeAgricole | Simahla | 3,80 euro |
Ubuqhophololo ukudluliselwa kwebhanki Caisse d'Epargne | Simahla | 3,30 euro |
Ubuqhophololo La Banque Postale bank transfer | Simahla | 3,30 euro |
Ubuqhophololo Udluliselo lwebhanki ye-Société Generale | Simahla | 5 euro |
Matshi 2, 2022