Kukho uluhlu olude lwezinto eziqinisekisiwe ngazo xa uhamba ngaphandle kwelizwe-ukuqinisekisa ukuba unokusebenzisa imali. Ngaphambi kokuba kuqhutywe i-jet-ukuya kwindawo yakho ezayo enkulu, thabatha amanyathelo ambalwa ukuze uqinisekise ukuba unokufikelela kwiimali zakho xa ufuna ngaphandle kokuhlawula itoni yemali eyongezelelweyo. Ngokomzekelo, amanye amakhadi e-debit ahlawulisa imali ye-ATM yangaphandle xa usebenzisa i-ATM kwelinye ilizwe.
Kusenokwenzeka nokuba uhlawule ukuguqulwa kwemali eyongezelelweyo okanye iimali zokuthengiswa kwangaphandle kwintengiso nganye oyenzayo. Amakhadi e-debit best for travel abroad aya kukunceda ukunciphisa okanye ukuphelisa loo ntlawulo.
Ukusebenzisa ikhadi lomdaka phezu kwekhadi lesikweletu kunokunceda. Ekubeni idideti yebhanki idibaniswe ne-akhawunti yakho yasebhanki ngoko xa uswayipha i-fund ikhutshwe kwi-akhawunti yakho yokujonga. Oku kuthetha ukuba akuyi kuba nexhala malunga nokubuyisela ibhalansi yekhadi lesikweletu. Uya kufuna ukuthatha i-Visa okanye i-MasterCard debit card njengoko iyakwamkelwa kakhulu kwihlabathi jikelele.
Ukusebenzisa ikhadi lokubambisa ekuhambeni kwamazwe ngamazwe kunceda kwakhona ukurhoxisa imali yendawo ukusuka kwi-ATM kwizinto ezinjengeengcebiso kunye nokuhlawula abathengisi abangamkeli i-credit okanye debit cards. Ngeke ufune ukusebenzisa ikhadi lekhredithi kwi-ATM kuba ukuthengiselana kwakuza kuthathwa njengexabiso elibi kakhulu lokuhamba ngemali . Ngoko ke yimaphi amakhadi angcono kakhulu ekuhambeni kwamazwe ngamazwe?
Makhe sibone.
Akhawunti Yokulawula Imali Yokwethembeka
Njengomthengi we-akhawunti ye-akhawunti ye-Fidelity Cash, uya kufumana iKhadi lokuTlola le-Vido le-Fidelity. Finyelela ngaphezu kwezigidi ze-ATM emhlabeni wonke kwaye uhlawulelwe iimali ze-ATM ohlawulwayo kwenye i-ATM.
I-teknoloji ye-EMV iqinisekisa ukuba ulwazi lwakho lukhutshwe ngokukhuselekileyo xa uthengwa kunye nokuhoxiswa kwii-ATM, ukhusela i-akhawunti yakho kwi-fraud.
Ikhadi alisindisi kwiimali ze-ATM, ikwabandakanya iifowuni ezimbalwa ezongezelelweyo ezinokuthi zifike ngexesha elifanelekileyo xa uhamba ngelizwe lonke. NgeKhadi lokuTlola le-Visa le-Gold ye-Fidelity, uza kufumana iwarranty eyongezelelweyo yeentsuku ezingama-90, uhambo kunye noxakeka kwimeko yomshuwalense wengozi yomhlaba wonke, kunye nokuchithwa komonakalo wokutshatyalaliswa kwemoto.
Kwi-Akhawunti Yokuphathwa Kweengxowa-mali zeFidelty ayiyi kuhlawula irhafu yenyanga. Awunayo ukugcina ibhalansi yenyanga. Ngaphezulu, iifomiti zakho ziqinisekisiwe ukuya kwi-$ 1,250,000. Ezi zihlandlo ezihlanu ngaphezu kweebhanki ezininzi.
UCharles Schwab oPhezulu oThengisa imali
Nge-akhawunti yeCharles Schwab High Yield Investment Checking, awuyi kuhlawula nayiphi na imali kwi-akhawunti yakho yokujonga. Oku kuthetha ukuba akukho mali ye-ATM xa usebenzisa i-ATM kwelinye ilizwe kwaye akukho mali yokuguqula imali xa ungasusa imali kwiyinye imali. Khumbula ukuba xa usebenzisa i-ATM ngaphandle kwenethiwekhi yebhanki yakho, umsebenzisi we-ATM unokuhlawula imali. Awukwazi ukuwuphepha umrhumo, kodwa uCharles Schwab uya kubuyisela yona ngaphandle kwemida kwimbuyekezo.
Akukho nkonzo yemali okanye ubuncinci be-akhawunti, kunye kunye unokufumana i-0.20 yeepesenti ye-APY kwibhalansi ye-akhawunti yakho (rhoqo ukhangele nebhanki kwimilinganiselo ye-yield current).
Uya kufuneka kwakhona uvule kwaye udibanise i-akhawunti ye-Shwab One ye-brokerage engavulwa kwaye igcinwe kungekho mali. I-akhawunti ye-brokerage inikeza amandla okuthengisa amasheya, ibhonasi, imali kunye kunye nezinye iimveliso zemali.
Inkunzi eyodwa 360 Ukujonga iAkhawunti
Ukuba awuyithandi isandi sokuvula i-akhawunti ye-breakage, cinga i-Capital One 360 Ukujonga i-Akhawunti kwikharityhulam ye-debit yokuhamba ngamazwe. I-akhawunti ihamba nekhadi le-MasterCard lokukhawuleza, elinye lamakhadi ekhredithi awamkelekileyo kwihlabathi jikelele.
I-Capital One ayihlawulisi imali yokuthengiswa kwamanye amazwe kwiintengiselwano ezenziwe kwezinye iirhafu ezithetha ukuba ungasebenzisa ikhadi lakho lokubambisa ukuthenga ngaphandle kokuhlawula ukuguqulwa kwemali.
Ukuba unako ukufumana iNkunzi yoLuntu okanye iAllpoint ATM ngelixa uhambayo awuyi kuhlawula imali ye-ATM. Inethiwekhi ye-Allpoint iquka ama-ATM angama-55,000 kuwo wonke umhlaba. Unokukhuphela i-app kwi-smartphone yakho ukufumana iAllpoint ATM kufuphi nawe.
Unokuvula i-Capital One 360 Ukujonga iAkhawunti kungekho ncinane idizithi kwaye akukho mfuneko yokulinganisela ibhalansi. Unokufumana umdla kwi-balance yakho: 0.20 ekhulwini kwii-balance under $ 50,000; 0.75 ekhulwini kwii-balance under $ 100,000; kunye ne-1.00 ekhulwini kwiimali ezingaphezu kwama-100,000.