YEBO, kungenzekaavoir eziningana akhawunti yasebhange
Ungavula abaningi ama-akhawunti amanje njengoba ufisa futhi ngenani elingenamkhawulo lezikhungo zamabhange noma izinhlangano eziku-inthanethi.
Ngendlela, singaba namabhange amabili? Ngokomthetho, ungavula abaningi akhawunti ebhange ngokufisa kwakho. Ayikho imingcele. Ngakho kungenzeka ukuba eziningana akhawunti ngaphakathi kwebhange elifanayo noma elilodwa/amadlanzana akhawunti emabhange ahlukene.
Ingakanani inani eliphezulu ku-akhawunti yokuhlola? Akukho siling esiphezulu ku-akhawunti yamanje. Kunoma yikuphi, kungcono ukuthi ungadluli umkhawulo wesiqinisekiso sama-euro ayi-100. Nokho, yena kuyinto akusizi ukushiya imali engaka ilele ku- compte akwenzi nzalo.
Iyini inzuzo yokuba nama-akhawunti amabili asebhange? Ngokukhetha Deux amanethiwekhi ahlukene (i-Mastercard ne-Visa), ukuze ukwazi ukukhokha kalula futhi uhoxise phesheya. Ngempela, kuye ngezwe, inethiwekhi kuyinto ngezinye izikhathi oyinhloko. Bheka isiqhanisi samakhadi wethu yasebhange ukuthola ikhadi elingcono kakhulu yasebhange mahhala impilo yonke.
Nokho, kufanele ngishiye malini ku-akhawunti yamanje?
Yazi akekho isamba ubuningi obuzobanjwa a i-Current Account. Kodwa-ke, kusengcono ukungabambi ngaphezu kwe-€ 100. Impela, isiqinisekiso sediphozithi sikuvumela, uma ibhange lakho litshona, ukuthi uvikeleke ngokwezimali ngenxa yeDiphozithi Yesiqinisekiso Nesikhwama Sokuxazulula (FGDR).
Kungani unebhange lesibili?
Eqinisweni, uma ama-akhawunti amaningana amanje evulwa ngokufanayo ibhange, usesimweni esikahle sokuxoxisana ngezimali zokuphatha nekhadi lesikweletu. I ibhange futhi ingakunikeza izinzuzo ezithile zezohwebo ezifana nokufinyelela kumazinga okuboleka ahehayo kanye nendawo yokuboleka imali eyengeziwe.
Iliphi ibhange elingcono kakhulu lokuvula i-akhawunti? Ngokuvumelana ne le ukuhlukaniswa kwe amabhange amahle kakhulu 2021 engxenyeni yesithathu ekhiqizwe yisikhungo iPosternak/Ifop futhi yashicilelwa ngenyanga de Septhemba 2021, le I-Credit Mutuel isabambe indawo yokuqala.
Ngingafaka malini ebhange ngaphandle kobufakazi? Empeleni, awukho umkhawulo ediphozini yemali ku-akhawunti yakhe yasebhange umuntu ngamunye. Nokho, ngaphandle kwe- isamba ngama-euro ayi-8.000, ibhange uzodingeka ukuthi akucele a ubufakazi ngomsuka wemali.
Ungabeka kuphi isamba esikhulu semali?
Kungenzeka ukuba idiphozi la isamba ezifunwa ngemali ebhange, ngaphandle komkhawulo omkhulu. Kodwa-ke, kusuka kuma-euro angama-8000 ngemali, ibhange lingase likucele ukuthi uchaze umthombo wezimali.
Ibhange lingakwazi ukuthatha imali yami? Yebo. Kodwa amakhasimende kuphela (abantu ngabanye, abazisebenzayo, amabhizinisi amancane naphakathi nendawo) aphethe imali engaphezu kwama-€100 endaweni. ibhange noma inkampani yokutshala imali engantenga unga zisetshenziswe. Bazobe sebebamba iqhaza ekutakulweni kwayo kwangaphakathi, okubizwa “ngebheyili”.
Imaphi ama-akhawunti azuza kakhulu?
I-akhawunti ukuthi ingenisa okuningi of interest is the incwadi Isikhwama Sokulondoloza Sabantu (LEP). Njengamanje usehola u-1,25% ngonyaka. I-LEP ibekelwe abantu abahola kancane.
Kungani uvule i-akhawunti kwelinye ibhange? Izinzuzo zokuba ngabaningana akhawunti imisinga
Futhi sizobheka okwengeziwenezinye izinzuzo: Ukuba nekhadi lesibili yasebhange. Nikela ngayinye compte ukusetshenziswa okuhlukile: eyodwa yezindleko zansuku zonke, inezinye utshalomali. Iphinde ikuvumela ukuthi uphathe kangcono eyakho I-akhawunti yasebhange.
Yini ubuncane ku-akhawunti yamanje?
Ingakanani inani elincane lokuvula i-akhawunti yasebhange?
Inkokhelo ubuncane ekuvuleni | Izindlela zokuthumela inkokhelo | |
---|---|---|
>> Bona okunikezwayo | 50 € | Inkokhelo |
>> Bona okunikezwayo | Phakathi kuka-€ 20 no-€ 150 | Inkokhelo |
>> Bona okunikezwayo | Siyakwamukela: €50 Ultimate: €300 Ultimate Metal: €500 | Inkokhelo |
>> Bona okunikezwayo | 150 € | Inkokhelo |
Ingakanani imali engingayifaka ebhange?
Kungenzeka ukuba idiphozi la isamba abafuna ukungena liquide kuya ibhange, ngaphandle komkhawulo omkhulu. Nokho, kusukela 8000 euro cash, ukusungulwa ikani lasebhange cela ukuthi uchaze umsuka wezimali.
Kungani une-akhawunti yasebhange? Uma ungumnikazi we-a I-akhawunti yasebhange, unamandla okufinyelela imali yakho noma yikuphi lapho kunebhange noma i-ATM. Ungakwazi futhi ukukhokhela ukuthenga kwakho ngokuqondile ngamasevisi kagesi usebenzisa ikhadi lakho lesikweletu, elixhunywe nelakho I-akhawunti yasebhange.
Iliphi ibhange eliphephe kakhulu eFrance? Ngokusho kweGlobal Finance, isikhungo ibhange eliphephe kunazo zonke eFrance I-BNP Paribas. VS'kuyinto omkhulu ibhange inombolo yendabuko 1 ngokuya ngenzuzo kanye le inani labasebenzi. Inzuzo yayo kuyinto futhi more ebalulekile eFrance.
Yiliphi ibhange okufanele ulikhethe ngo-2021?
Namuhla, i-Société Générale isehamba phambili ibhange ne-ejensi ye 2021. Inzuzo enkulu ye-Société Générale iwukuba nokufinyelela kunethiwekhi yegatsha ebanzi kakhulu eFrance. Iklayenti ngalinye liyazuza ngokusekelwa komuntu siqu okunomeluleki ozinikele.
Iliphi ibhange elingcono kakhulu ngo-2022? Ngokungeza inothi ezindlekweni zebhange kanye nenothi lamasevisi asebhange, Fortuneo Ibhange eqokiwe ibhange elihle kakhulu lango-2022, ngaphambi kweBoursorama Bank, BforBank, Sawubona Bank! futhi Monabanq.
Ungayifakazela kanjani imali?
Phakathi kuka-1501 no-10 wama-euro afakwe ezinsukwini ezingamashumi amathathu, iBhange Leposi manje lidinga ubufakazi bemvelaphi yezimali. Ikhasimende kufanele linikeze ibhange lalo i-invoyisi noma incwadi ye-notary uma kwenzeka lithola ifa, isibonelo, ukufakazela umsuka wemali.
Indlela yokuqinisekisa idiphozithi yemali? Idiphozithi yemali ebhange: incazelo
Uma ufaka ukheshe, kufanele njalo uthole irisidi. Uma kwenzeka idiphozi ngaphezu kwe-1 euros, ubufakazi bemvelaphi yezimali bungacelwa.
Indlela yokufaka idiphozithi enkulu yemali?
Kusuka ku-€8 Uma ufuna ukwenza i- idiphozi ihlukile ku- ukheshe, d'inani elikhulu kuno-€8, ibhange linelungelo lokukucela bathethelele ngomsuka wesamba. Akwenza kaningi (uzothola ucingo oluvela kumeluleki wakho).