Izibuyekezo Abahleli
Izinga lamabhange ashibhe kakhulu eFrance: Ukukhetha ibhange lakho kuyinto ekubophezela isikhathi eside! Ngakho-ke isidingo sokucabangisisa ngaphambi kokwenza okuthile. Ikakhulukazi njengoba kuhlale kunomkhawulo omncane wokushintsha amabhange. Akulula ukuthola ibhange elikahle. Kuleli hlathi lezintengo, ngokuvamile kufanele uhlole izidingo zakho kanye nokuziphatha kwakho kwebhange ukuze ukhiphe uhlu olunembe kakhulu.
Izindleko zebhange ziwumbandela obalulekile lapho ukhetha ibhange elingcono kakhulu. Uma kubhekwa izinkokhelo eziguquguqukayo ezisuka kwelinye ibhange ziye kwelinye, sinqume ukuhlela lokhu kuhlukaniswa ukuze sikusize thola amabhange ashibhe kakhulu eFrance ngonyaka ka-2022. Yazi ukuthi ukukhetha ibhange eshibhe kakhulu ingakongela ngaphezu kuka-240€ ngonyaka!
Uhlu lokuqukethwe
Izinga lamabhange ashibhe kakhulu ngo-2022
Nalu uhlu lwamabhange anezindleko zebhange eziphansi kakhulu ngo-2022:
| irowu | Bank | Izindleko zonyaka |
|---|---|---|
| 1er | I-Boursora Bank € 80 ekuvuleni | 22,72 € |
| 2e | ING | 24,88 € |
| 3e | Fortuneo €80 ekuvulweni | 27,98 € |
| 4e | IBforBank | 40,28 € |
| 5e | I-Orange Bank €80 ekuvulweni | 49,43 € |
| 6e | IMacif | 87,87 € |
| 7e | AXA Bank | 93,78 € |
| 8e | SawubonaBank | 100,48 € |
| 9e | Ikhredithi Yokubambisana | 118,66 € |
| 10e | Credit Agricole Anjou Maine | 129,88 € |
| amanga | I-Allianz Bank | 134,59 € |
| 12e | Credit Agricole Normandy-Seine | 139,95 € |
| 13e | I-Monabanq € 160 ekuqaleni | 144,23 € |
| 14e | Credit Agricole Touraine Poitou | 144,69 € |
| 15e | Ibhange leposi | 145,41 € |
| 16e | Credit Agricole Ile-de-France | 146,28 € |
| 17e | I-Credit Agricole Centre-Ouest | 147,43 € |
| 18e | I-Credit Agricole Centre-East | 147,97 € |
| 19e | I-French Guiana-Mayotte-COM | 148,56 € |
| 19e | I-Guadeloupe-Martinique-Reunion | 148,56 € |
| 21e | Groupama Bank | 149,13 € |
| 22e | UCaisse d'Epargne Loire Drôme Ardèche | 150,09 € |
| 23e | Credit Agricole Charente-Maritime Deux-Sevres | 151,58 € |
| 24e | I-Credit Agricole Reunion | 151,60 € |
| 25e | Credit Agricole Atlantic Vendee | 151,97 € |
| 26e | I-Credit Agricole Centre Loire | 152,11 € |
| 27e | I-Caisse d'Epargne Rhône Alpes | 156,50 € |
| 28e | Credit Agricole Aquitaine | 156,83 € |
| 29e | Ikhredithi ye-Agricole Provence Côte d'Azur | 157,09 € |
| 30e | Isikweletu sika-Agricole Franche-Comte | 159,63 € |
| 31e | Credit Agricole North of France | 161,81 € |
| 32e | Credit Agricole Normandy | 162,97 € |
| 33e | Credit Agricole Alsace Vosges | 165,54 € |
| 34e | UCredit Agricole Toulouse 31 | 165,67 € |
| 35e | I-Caisse d'Epargne Grand Est Europe | 165,84 € |
| 36e | I-Credit Mutuel Ocean | 166,66 € |
| 37e | Credit Agricole Savoie | 166,80 € |
| 38e | I-Caisse d'Epargne Loire-Center | 167,31 € |
| 39e | Credit Agricole Charente-Perigord | 167,91 € |
| 40e | Credit Agricole Ille-et-Vilaine | 167,96 € |
| 41e | Credit Agricole Cotes d'Armor | 168,23 € |
| 42e | Credit Agricole Pyrenees Gascony | 168,33 € |
| 43e | Credit Agricole Languedoc | 168,58 € |
| 44e | Credit Agricole Alpes Provence | 169,61 € |
| 45e | Credit Maritime Grand Ouest | 169,77 € |
| 46e | Ibhange Labantu I-Great West | 170,67 € |
| 47e | I-Credit Mutuel Centre East Europe | 171,50 € |
| 47e | I-Credit Mutuel Centre | 171,50 € |
| 47e | Credit Mutuel Dauphine-Vivarais | 171,50 € |
| 47e | Credit Mutuel Mediterranean | 171,50 € |
| 47e | Credit Mutuel South East | 171,50 € |
| 47e | Credit Mutuel Savoie-Mont Blanc | 171,50 € |
| 47e | Credit Mutuel Anjou | 171,50 € |
| 47e | Credit Mutuel Ile-de-France | 171,50 € |
| 47e | I-Credit Mutuel Loire-Atlantique, Centre West | 171,50 € |
| 56e | I-Caisse d'Epargne Ile-de-France | 171,67 € |
| 57e | Credit Agricole North East | 172,59 € |
| 58e | Ikhredithi ye-Agricole Sud Rhône Alpes | 173,92 € |
| 59e | I-Banque Populaire Alsace Lorraine Champagne | 174,17 € |
| 60e | Credit Mutuel Midi-Atlantique | 174,75 € |
| 61e | Credit Agricole Val de France | 174,76 € |
| 62e | Caisse d'Epargne Aquitaine Poitou-Charentes | 175,70 € |
| 63e | I-CIC | 177,20 € |
| 64e | Credit Mutuel Normandy | 177,50 € |
| 65e | I-Caisse d'Epargne Languedoc-Roussillon | 177,56 € |
| 66e | Credit Mutuel Antilles-Guyane | 178,53 € |
| 67e | Isikweletu sika-Agricole Brie Picardy | 178,96 € |
| 68e | Caisse d'Epargne Hauts de France | 179,46 € |
| 69e | Credit Mutuel Sud-Ouest | 179,60 € |
| 69e | I-Normandy Savings Bank | 179,60 € |
| 71e | Credit Agricole Loire Haute-Loire | 180,27 € |
| 72e | HSBC | 180,76 € |
| 73e | Isikweletu se-Mutuel Massif Central | 180,83 € |
| 74e | Credit Agricole Champagne-Bourgogne | 180,86 € |
| 75e | Credit Agricole Lorraine | 181,03 € |
| 76e | Credit Agricole Nord Midi-Pyrenees | 181,30 € |
| 77e | Ibhange lokulondoloza i-Auvergne ne-Limousin | 181,33 € |
| 78e | UCaisse d'Epargne Bourgogne Franche-Comte | 181,52 € |
| 79e | Ikhredithi ye-Agricole yaseNingizimu Mediterranean | 181,65 € |
| 80e | I-Chalus Bank | 181,79 € |
| 81e | Credit Agricole Corsica | 183,57 € |
| 82e | BFCOI Mayotte | 184,72 € |
| 82e | I-BFCOFrom Reunion | 184,72 € |
| 84e | I-Caisse d'Epargne Provence-Alpes-Corsica | 184,73 € |
| 84e | UCaisse d'Epargne Reunion Mayotte | 184,73 € |
| 87e | I-Credit Agricole Centre France | 184,94 € |
| 88e | I-Caisse d'Epargne Midi-Pyrenees | 186,18 € |
| 89e | I-Occitane People's Bank | 187,10 € |
| 90e | Credit Mutuel MABN | 187,18 € |
| 91e | Ibhange Labantu i-Auvergne Rhône Alpes | 189,11 € |
| 92e | I-Caisse d'Epargne Côte d'Azur | 190,55 € |
| 93e | I-Société Generale € 80 ekuvuleni | 192,34 € |
| 94e | Credit Agricole Morbihan | 192,72 € |
| 95e | Credit Agricole Finistere | 192,80 € |
| 96e | Ibhange Labantu Burgundy Franche-Comte | 193,06 € |
| 97e | BRED Banque Populaire | 193,72 € |
| 98e | Ibhange Labantu iVal de France | 193,81 € |
| 99e | Credit Agricole Guyana | 194,06 € |
| 99e | Credit Agricole Martinique | 194,06 € |
| 101e | I-Mediterranean People's Bank | 194,19 € |
| 102e | People's Bank Guadeloupe | 194,24 € |
| 103e | Credit Mutuel Brittany | 194,63 € |
| 104e | I-Caisse d'Epargne Brittany Pays de Loire | 197,05 € |
| 105e | Credit Mutuel North Europe | 197,55 € |
| 106e | I-Mediterranean Maritime Credit | 197,96 € |
| 107e | Ibhange Labantu eNingizimu | 200,41 € |
| 108e | Credit Agricole Guadeloupe | 202,26 € |
| 109e | I-Banque Populaire Aquitaine Center Atlantic | 202,34 € |
| 110e | I-LCL | 203,30 € |
| 111e | Ibhange laseRhône-Alpes | 204,16 € |
| 111e | Kolb Bank | 204,16 € |
| 111e | Tarneaud Bank | 204,16 € |
| 111e | Ibhange Laydernier | 204,16 € |
| 111e | Ikhredithi du Nord | 204,16 € |
| 111e | I-Courtois Bank | 204,16 € |
| 111e | I-Marseille Credit Company | 204,16 € |
| 118e | North People's Bank | 204,36 € |
| 119e | I-Nuger Bank | 204,86 € |
| 120e | I-BNP Paribas € 80 ekuvuleni | 205,21 € |
| 121e | BNP Paribas West Indies Guyana | 214,82 € |
| 122e | I-BPE | 219,38 € |
| 123e | Millis Bank | 221,47 € |
| 124e | I-Banque Populaire Rives de Paris | 221,64 € |
| 125e | I-Palatine Bank | 222,35 € |
| 126e | Ibhange Dupuy de Parseval | 245,56 € |
Ungakhetha kanjani ibhange elifanele?
Ukufunda futhi: 10 Izinhlelo Ezinhle Kakhulu Ezishibhile Zesikhathi Sokuphila Seselula ngo-2022
Umbandela wokuqala okufanele ucatshangelwe yizindleko zasebhange. Iziqhathanisi eziningi ziye zavela ku-inthanethi futhi zinikeza ukuthola okunikezwayo okukhanga kakhulu ngokusekelwe ekuziphatheni kwakho kwebhange ngenxa yezimpendulo zakho zemibuzo embalwa.
- Ngokufunda njalo izindleko zebhange zezikhungo, zikhiqiza amazinga ukuze aqondise abathengi.
- Ukukhetha ibhange elifanele, ayikho iresiphi yesimangaliso, kodwa kunalokho indlela ehlelekile yokulandela.
- Ibhange likhethwa ngokwezidingo zalo, indlela yalo yokuphila kanye nephrofayili yalo. Uma la maphuzu eselungisiwe, isicelo sebhange elifanelekile singaqala.
Ibhange elikahle yibhange elikufanele kakhulu! Kuye ngephrofayili yomuntu ngamunye nendlela yokuphila, uhlobo olulodwa lwebhange lungase lufaneleke kakhulu kunolunye. Ngakho yiziphi izindlela okufanele uzicabangele lapho ukhetha ibhange lakho?
- Iminyaka yakho: kuye ngeminyaka, imikhiqizo namasevisi athile ahlinzekwayo, njengekhadi lokukhokha lentsha.
- Isimo sakho sobuchwepheshe: umfundi, osebenzayo. othathe umhlalaphansi… Kumuntu oqeqeshiwe, ibhange lebhizinisi lingase libe uhlobo lwebhange olumfanele kakhulu, kuyilapho komusha noma umfundi, ibhange likazwelonke lenza kube lula ukuphatha ama-akhawunti akhe kulo lonke elaseFrance, kungakhathaliseki indawo. .
Iholo lakho:
- Ingakanani imali engiyitholayo?
- Ingabe ngivame ukudalulwa?
Ivoti eliyigugu:
- Ungakanani usayizi wakhe?
- Ngidinga Umphathi Wengcebo? Ibhange lokutshala izimali lingase libe ngcono uma unomnotho obalulekile.
Ukuvama kohambo lwakho lwaphesheya: Ingabe ngidinga izindlela ezikhethekile zokukhokha noma izinkonzo? Ibhange lamazwe ngamazwe lisiza ngokuphawulekayo ukusebenza kwamabhange phesheya.
Ukufunda futhi: I-CoinEx Exchange: Ingabe isiteji esihle sokushintshanisa? Izibuyekezo nalo lonke ulwazi
Ukukhetha ibhange lakho: amaphuzu okufanele uwabheke
Kubantu abaningi, izintengo zezinsizakalo zasebhange ziyisici esinqumayo ekukhetheni kwebhange labo. Ngaphezu kwaleli phuzu, ukuhlola izinga, kodwa futhi ukuhlukahluka kwezinsizakalo ezinikezwayo kubalulekile.
Amaphuzu okufanele uwahlole lapho ukhetha ibhange lakho
- Amasevisi ayisisekelo: ukuvula, ukugcina nokuvala ama-akhawunti, ukuthumela izitatimende ze-akhawunti, ukudonswa kwemali okuqondile, ukudluliswa kwemali, amadiphozithi, ukuhoxiswa kwemali, njll.
- Izinsizakalo zebhange ezengeziwe: usizo nokuvikeleka, umshwalense, ukonga, njll.
- Izindlela zokukhokha: ububanzi bamakhadi, amasheke, njll.
- imikhiqizo yokonga: ama-passbook, umshwalense wempilo, i-akhawunti ye-passbook, i-UCITS, i-SICAV, njll.
- Imikhiqizo/izinkonzo zekhredithi: amakhadi, ukuhlengwa, imali mboleko...
- Amasevisi okuphatha ama-akhawunti akude: Indawo: ingabe ikhona i-ejensi eduze kwami? Ingakanani inethiwekhi yamabhange.
- Xhumana nebhange: ucingo, i-inthanethi, i-ejensi..
- Ubudlelwano nebhange: abeluleki abatholakalayo: amahora angama-24 ngosuku?
- Umeluleki womuntu siqu? Izinto zokubala? I-ATM? Ibhange eliku-inthanethi?
Izidingo zingahlobana nezindawo zokonga, izikweletu noma imakethe yamasheya
Ngokwemibandela ebambekayo, yini engiyidingayo ukuze ngikhethe ibhange lami?
- I-akhawunti yamanje yokuthola iholo lami?
- I-akhawunti ehlanganyelwe yokuphatha kangcono izindleko zomndeni ezivamile?
- I-akhawunti yomsebenzi njengengxenye yomsebenzi wami wansuku zonke?
- Izindlela zokukhokha zendabuko noma ezenzelwe umuntu siqu?
- Ngezidingo eziyisisekelo zomkhiqizo: amabhange amakhulu, aziwa ngokuthi “amabhange okuhweba”, ahlinzeka ngemikhiqizo namasevisi ahlangabezana ngokugcwele nezidingo zamakhasimende amaningi.
- Izinsizakalo ezenzelwe wena noma ezijwayelekile?
- Ukuze uzuze emikhiqizweni namasevisi ezezimali ezenzelwe wena uqobo, amabhange azimele angakhethwa. Kodwa-ke, khumbula ukuthi izindleko zemikhiqizo yasebhange kanye nezinsizakalo zivame ukuba phezulu kunenethiwekhi yamabhange evamile.
- Usizo ngokuphatha amafa ami? Iseluleko esilula sezezimali?
- Ukuxhumana njalo nomeluleki womuntu siqu? Ukuze ulondoloze ubuhlobo obuseduze obuyinhlanhla nomeluleki wakho, ukukhetha ibhange lakho, izinhlangano ezincane noma ezinobukhulu obuphakathi njengebhange lesifunda zizovunywa.
- Ukuze ngiphathe i-akhawunti yami yasebhange ngokuzimela?
Ukuze uthole ukuzimela kanye nenkululeko eyengeziwe, akukho okudlula amabhange aku-inthanethi alolu hlobo: Sawubona Bank! Noma abanye ngaleyo ndaba, asinakho ukukhetha ngaphandle kwebhange elishibhe kakhulu.
Khetha ibhange lakho ku-inthanethi noma kunethiwekhi yegatsha?
Nakulokhu futhi, konke kuncike kuphrofayela yakho, izidingo zakho kanye nalokho okulindele. Kodwa qaphela ukuthi amabhange avamile namabhange endabuko anikeza izinsizakalo ezifanayo eziyisisekelo. Umehluko usezintengo eziphansi kakhulu emabhange e-inthanethi ngokuvamile angamabhange amahhala, kodwa futhi ekusebenzeni ngaphandle kwe-ejensi nangaphandle kwekhawunta.
Kungani ukhetha ibhange eliku-inthanethi?
- Ukuze uthole ukuzimela okwengeziwe nenkululeko yokuphatha
- Ukuze uthole ukufinyelela okukude unomphela izinsuku ezingu-7 ngeviki
- Ngezimali ezimbalwa nezishibhile
Qaphela: kungenzeka ukuthi ube nomeluleki wakho siqu ebhange eliku-inthanethi.
Kungani ukhetha ibhange lendabuko?
- Ukuze sibe nobudlelwano obuseduze
- Ngenethiwekhi ye-ejensi yayo
- Ukuze uthole izinsiza ezengeziwe
Khetha ibhange lakho ngokuya ngephrojekthi yakho nezidingo zakho
Amaphrojekthi maningi futhi ahlukahlukene, kanjalo nezinsizakalo zebhange kanye nemikhiqizo. Kusukela ekongeni okulula kokuzivikela, kuya ekuthengeni indawo ethengiswayo, okuhlanganisa isikweletu nomshuwalense, umnikelo wasebhange uhlangabezana nazo zonke izicelo. Yingakho ngaphambi kokuqhathanisa amabhange, qala ngokuthola izidingo zakho.
- Imiphi imikhiqizo noma amasevisi engiwadingayo?
- Ngaziphi izinjongo noma amaphrojekthi?
- Ingabe ngivame ukudalulwa?
Qhathanisa amanani asebhange mahhala futhi kalula!
Uzalwe ngesinyathelo esihlanganyelwe soMnyango Wezomnotho kanye neKomidi Lokweluleka Lomkhakha Wezezimali (i-CCSF), isiqhathanisi ngamanani asebhange iyithuluzi elisemthethweni nelimahhala elikuvumela ukuthi uqhathanise izimali eziyinhloko ezikhokhiswa izikhungo zamabhange ezihlukene.
Imahhala futhi ibuyekezwa masonto onke, isiqhathaniso sezinga lasebhange sihlanganisa yonke iminyango yaseFrance futhi sibala cishe izikhungo zezikweletu eziyi-150, ezimele ngaphezu kwama-98% ezimakethe ezikhona endaweni. Ngaphezu kwezinsizakalo eziyisisekelo eziqhathanisekayo, njengokudluliswa kwemali, ukudonswa kwemali okuqondile noma amanani ekhadi lasebhange, isiqhathanisi sikuvumela ukuthi uqhathanise izinsiza eziyishumi ezihlukene futhi ubonise okufakiwe okufika koku-6 okuhlukene ngesikhathi.
Isiqhathanisi siphinde sinikeze ukulandela ukuvela kwentengo yezikhungo. Idivayisi yokubonisa enemicibisholo (phezulu, phansi) noma uphawu oluthi “=" (yokuma) luhlanganiswe kuthebula ngalinye lemiphumela.
Ngaphezu kwalokho, ngokuhambisa igundane phezu kwezintengo, inani lokunyuka noma ukwehla liyavela, isibonelo: "+1 € kusukela ngoJanuwari 2021, XNUMX". Nokho, le nketho ayitholakali kuselula noma kuthebhulethi, kodwa kuphela ngokubonisana okuvela kukhompuyutha.
Thola futhi: Konke odinga ukukwazi ngePaysera Bank, ukudlulisa imali online & Ukubuyekeza: Konke mayelana ne-Revolut, ikhadi lasebhange ne-akhawunti esetshenziswa izigidi zabantu
Okufanele ukwenze ukugcwalisa uhlobo lwendawo (engokwenyama, ku-inthanethi noma kokubili kuhlangene) okuthakaselayo, kanye nomnyango wayo. Bese ukhetha kufikela kuzilinganiso eziyisi-6 ukuze uqhathanise. Ngokuchofoza oku-3 nje, imiphumela, engathunyelwa futhi iphrintwe, ivela ngendlela yethebula. Nansi indlela:
- Yiya esizeni www.tarifs-bancaires.gouv.fr
- Ukufika ekhasini lasekhaya lesayithi. okuhambisana nethebhu ethi "Yenza ukusesha". khetha uhlobo lwesikhungo ofisa ukusifaka oseshweni lwakho (ongakukhetha oku-1 kungenzeka):
- amabhange noma abahlinzeki besevisi yokukhokha abanama-ejensi amabhange noma abahlinzeki besevisi yokukhokha nge-inthanethi izikhungo zikahulumeni zezimboni nezohwebo (EPIC) zonke izikhungo.
- Khetha umnyango wakho (ongakukhetha okungu-1) kumenyu yokudonsela phansi noma ngokuchofoza umnyango okukhulunywa ngawo kuheksagoni (noma eziqhingini zomnyango waphesheya) ngezansi nje.
- Khetha amanani asebhange ozowaqhathanisa. Ungakhetha kufikela kokungu-6 kukhompuyutha nethebhulethi noma kufikela koku-3 kuselula. Uma ufuna ukwazi incazelo yalezi zindleko ngaphambi kokuthi uzikhiphe, chofoza amamaki emibuzo abomvu eduze kwentela ngayinye ukuze uthole izincazelo.
