Isibopho sokuqala okufanele usicabangele ngaphambi kokuzama ukuhoxisa isamba esikhulu phakathi liquide ukuthi ikhadi lakho livaliwe. Okusho ukuthi, ekhadini ngalinye lesikweletu, ibhange lakho lizosungula isilingi (inani eliphakeme) ongeke ukwazi ukulidlula ngaphezu kwezinsuku eziyi-7 noma ezingama-30.
Ngendlela, indlela yokukhipha imali eningi ebhange? Ngoba ukuhoxisa imali liquide ekhawunteni, okudingeka ukwenze nje ukusayina a ukuhoxiswa kuyimpinda. Isiginesha yesheke. Ngenye indlela, ungasayina isheke elikhokhwa ku- ibhange noma ku-oda lakho, inqobo nje uma uthobela umkhawulo wophahla olubekwe ngu- ibhange.
Ingakanani inani eliphezulu elingakhishwa ngokheshi ebhange? lokho yisamba esiphezulu ukuthi thina angahoxa phezu kwekhawunta yakhe ibhange ? Uphahla lwe ukuhoxiswa kwikhawunta ye-a ibhange ixazululwe ezimweni eziningi kwinkontileka yakho yasebhange. Lesi silingi sizungeza kakhulu ama-euro ayi-1000, noma ngabe kusekhawunteni ye ibhange noma imishini yokuthengisa.
Ngiyikhipha kanjani yonke imali ku-akhawunti? Kwamanye amagatsha asebhange, uma une compte yasebhange noma ukonga, ungakwazi ukuhoxisa ukheshi ekhawuntani ngokumelene nokwethulwa kwefomu. Lesi sakamuva sihlanganisa izinkomba ze- compte ukudonswa imali. Kumele isayinwe futhi ihambisane nomazisi.
Nokho, yiliphi inani eliphezulu elingakhishwa?
Ngokuvamile, ukuhoxiswa esiphezulu kumsabalalisi we-oscillates phakathi kwama-500 kanye ne-1 euros / ngesonto. Kodwa-ke, amakhadi athile asebhange (ikakhulukazi amakhadi ePlatinum, Visa Infinite noma Mastercard Elite) avumela ukuthi lo mkhawulo weqiwe futhi ukuhoxisa ngaphezulu kwama-euro ayi-2 (kanye nama-euro afika ku-000) ngesonto.
Indlela yokuqinisekisa ukuhoxiswa kwemali enkulu?
Akukho ngaphansi kwezimo umthetho waseFrance uphoqa amakhasimende dibhange e bathethelele un ukuhoxiswa kwe'Imali ukheshi, kungakhathaliseki inani. Ngakho-ke ukhululekile ngokuphelele ukuhoxisa ukheshi (kungaba ku-ATM noma kwikhawunta yebhange lakho) ngaphandle kokuthi ulethe ubufakazi.
Ungakhipha kanjani ama-euro angama-2500? Kufanele futhi wazi ukuthi iningi lamabhange likuvumela ukuba wenze kanjalo ukuhoxisa ekhawuntani ye-ejensi yakho, ngokukhethekile, kufika ku-€2/ngosuku. Uma ungajahile, ungakwazi futhi ukuza izikhathi eziningana zilandelana egatsheni lakho lasebhange futhi ukuhoxisa €2 ngosuku.
Ungakhipha kanjani ama-euro angaphezu kwama-3000 ebhange? Ungakwenza lokhu kuphela phakathi komkhawulo wamanani atholakalayo ekhadini lakho yasebhange. Lokhu kusho ukuthi uma une cap of 3 000 euros ngenyanga, awukwazi akusekho ukuhoxa. Sicela uqaphele: izinkokhelo esezenziwe kakade kufanele zicatshangelwe, okuphinde kube nomkhawulo kulokhu.
Yibuphi ubufakazi bokukhipha imali?
Akukho simiso emthethweni esidinga ukuthi umuntu ahlinzeke a ubufakazi uma kwenzeka ukuhoxiswa imali. Ikhasimende likhululekile ukwenza kanjalo ukuhoxisa wakhe Imali ngaphakathi komkhawulo wophahla olugunyazwe isivumelwano sakhe sekhadi lokuthenga ngesikweleti, ngaphandle kokuzithethelela.
Uma ikhasimende licela ibhange lalo ukuthi likhiphe isizumbulu semali, yini okufanele ibhange lenze? Esinye isisombululo sokuba nama-euro ayi-15.000 ukwazisa owakho ibhange, okungenani amahora angu-48 ngenhloso yakho ukuhoxisa okubalulekile isamba isiliva. Lokhu kwenziwa ezimeni eziphuthumayo futhi ngokuya ngokutholakala kwezimali ezikhona ejensi.
Ngingakhipha malini ngaphandle kobufakazi?
Ikhasimende likhululekile ukwenza kanjalo ukuhoxisa imali yakhe ngaphakathi komkhawulo wophahla olugunyazwe yinkontileka yekhadi lakhe lesikweletu, konke ngaphandle kufanele baziphendulele. Ukuhoxiswa ngokuvamile kuvame ukulinganiselwa phakathi kwama-euro angu-500 no-1.500 ngosuku nangesonto.
Indlela yokukhipha isamba esikhulu eposini? Umtsheleli uzokucela ukuthi ugcwalise isheke ku-oda lakho noma ku-oda le- Ibhange Leposi, ngemali ekhishiwe ku-akhawunti yakho. Bese, ama-slips of ukuhoxiswa ayatholakala ejensi. Kudokhumenti, dlulisela ifayela le- isamba ukuthi ufuna ukuhoxisa. Bese uyisayine ngokuyimpinda.
Ungakuhoxisa kanjani u-€4.500?
4500 € ngezinye izikhathi imele ukungena kwemali kwansuku zonke kwe-ejensi encane. Uma ikhasimende lokuqala lithatha 4500 € abanye ngeke baphakwe. Ngakho amazwana hamba ? buza ibhange lakho ukuthi kuthatha isikhathi esingakanani ukuthola izimali ozifunayo ukuhoxisa.
Kungenzeka yini ukuhoxisa u-€15?
Ngaphandle kwabasabalalisi bamabhange okukhulunywe ngabo ngenhla, indinganiso ukuthi inani elincane eligunyazwe ukuhoxiswa lingama-20 €. Ngokusho kweBanque de France, i-20 € kungaba yihlelo elisetshenziswa kakhulu eFrance, ngaphambi kwalelo lama-50 € futhi kakhulu ngaphambi kwama-banknotes ka-5 no-10 €.
Yikuphi ukuhoxiswa okuphezulu okungenziwa kumsabalalisi noma egatsheni? Ngokugunyazwa okuhlelekile: uphahla luphakathi kuka-300 no-800 € ngesonto. I-Classic: I-Visa Classic noma uhlobo lwe-CB MasterCard, uphahla luphakathi kwe-€300 ne-€1 Premium: I-Gold MasterCard noma uhlobo lwe-Visa Premier, khona-ke ungakwazi ukuhoxisa phakathi kuka-€800 no-€2
Ngingakwazi ukukhipha i-1000 euros ku-ATM? Ngakho singakwazi kangakanani ukuhoxisa ngemali ku umsabalalisi ? Njengomthetho ojwayelekile, awukwazi ukuhoxisa phakathi kuka-300 no-500 kuphela euros ngokusebenza ngakunye. Ngaphandle kwalokho, ngeke kwenzeke ukuhoxisa inani olifunayo.
Ingakanani inani eliphezulu ongalikhipha ku-Livret A yakho kwaLa Poste?
Ngokheshi ehhovisi lika iposi : ungakwazi ukuhoxisa kuze kufike kukho konke ukonga kwakho(3) ehhovisi lakho iposi futhi kufika ku-€800 esikhathini esiyizinsuku ezingu-7 kwamanye amahhovisi (12 eFrance).
Ungayikhipha kanjani imali ngaphandle kwekhadi le-La Banque Postale? Cha Ibhange Leposi eduze, noma akuvuliwe? Kunesixazululo esisodwa kuphela khipha imali ngaphandle kwekhadi nge ibhange ngaphandle kwe- Ibhange Leposi : bamba isheke elingaphambanisiwe. Ngemuva kwalokho uzodinga ukuya ku-ejensi ibhange kokhipha isheke.
Ungasikhipha kanjani isamba esikhulu kwi-akhawunti ye-nickel?
Nginga ukuhoxisa ushintsho oluthile?
- Yebo ungakwenza ukuhoxisa imali ngekhadi lakho nickel classic noma ikhadi lakho nickel I-Chrome Isendaweni Yokuthengisa nickel .
- Ugwayi kufanele akunikeze irisidi.
Indlela yokukhipha imali ngaphandle kwekhadi lesikweletu? Ngoba ukuhoxisa imali ngaphandle kwekhadi futhi inqobo nje uma une-akhawunti, ikhambi elilula ukuya kwikhawunta yebhange lakho uma linesevisi yemali. Nganoma yiliphi inani elingaphezu kwama-euro angu-1.500, ikhasimende kufanele lazise ukusungulwa kwamahora angu-24 kusengaphambili.
Ungakhipha kanjani imali engaphezu kuka-2000 euros?
Kufanele futhi wazi ukuthi iningi lamabhange likuvumela ukuba wenze kanjalo ukuhoxisa kwikhawunta yegatsha lakho, ikakhulukazi, kuze kube 2 000 €/ngosuku. Uma ungenjalo pas esimweni esiphuthumayo, ungakwazi futhi ukuza izikhathi eziningana zilandelana egatsheni lakho lasebhange futhi ukuhoxisa usuku ngalunye 2 000 €.
Uyikhipha kanjani i-akhawunti yakho yasebhange? Ophethe kumele athumele incwadi yokuvalwa kwe compte ukwenza isicelo sakhe sibe semthethweni. Le nqubo isebenza kubo bonke amabhange, ukuthi wena compte uboshiwe noma ngo Bank eposini, ku Bank Okudumile, kwa-Credit Agricole, kwa-BNP, njll.
Ngingakhipha kuphi u-€10 kuphela?
Okokuqala, qaphela ukuthi amanye amabhange avumela amakhasimende awo ukuhoxisa ithikithi elilodwa 10 ama-euro kuma-ATM abo. I-Banque Postale kanye ne-Société Générale banikeza le sevisi, njengoba kwenza i-Banque Populaire, kuphawula i-Torofino. Nokho, lokhu akunakwenzeka kuma-interbank.
Kungenzeka yini ukuhoxisa u-€10? Njengoba iwebhusayithi ye-Panorabanques ichaza, izikhungo ezimbalwa zivumela ukuhoxiswa kwempahla kuphela 10 ama-euro: i-Banque Postale, i-Société Générale noma i-Crédit Agricole Centre kuyinto.
Kungenzeka yini ukuhoxisa u-€5?
Umbuzo kuyinto elula, ekhona-t-il amabhange lapho ungakwazi khipha i-5 € emshinini wamathikithi? Yebo, amanye ama-ATM anikela ngama-banknotes kumahlelo we 5 €, nakuba abaningi benelisekile ngamanothi angu-10€ njengokunqunywa okuncane.