Kukho iindlela ezininzi zokuhambisa imali kwi-bhanki enye ukuya kwikhompyutha. Bonke baneenzuzo kunye neengxaki zabo, kodwa bonke bafumana umsebenzi.
Ukutshintshwa kweBhanki-yeBhanki
Ukuba zombini ii-akhawunti zizokwakho, ukutshintshwa kwebhanki-kubhanki kukukhetha okulungileyo.
Unako ukumisela ukudluliselwa ngebhanki yokuthumela okanye yokufumana, kwaye imali ifika kwindawo ekuya kuyo emva kweentsuku ezimbini okanye ezintathu zoshishino (ngokuqhelekileyo nge- ACH ). Iibhanki ezininzi zikuvumela ukuba wenze ukutshintshwa kwehhala-kodwa yinto efanelekileyo ukujonga iibhanki zombini ukuze ukhusele.
Qhagamshelanisa iakhawunti zakho: Ukusetha ukudluliselwa phakathi kwee-akhawunti ezimbini, kufuneka udibanise ii-akhawunti kuqala (le nkqubo inokuthatha iiveki okanye kunjalo-ngoko-ke misela ikhonkco phambi kokuba ufune ukuthumela imali).
- Ngena kwi-akhawunti oyithumele kuyo kwaye ukhangele inketho "yokongeza i-akhawunti," "wongeza i-akhawunti yangaphandle," okanye "udibanise ii-akhawunti" kwindawo yenkonzo yabathengi.
- Nika enye inombolo yebhanki yokuhamba kunye nenombolo yakho ye-akhawunti kule bhanki. Ukuba ungenalo lwazi, khangela apho ufumana khona amanani (mhlawumbi kwisheke okanye kwi-bhanki yakho).
- Emva kokuhambisa loo nkcazelo, kufuneka uqinisekise ukuba unayo i-akhawunti yangaphandle. Unokwenza ngoku ngokubonelela igama lomsebenzisi kunye nephasiwedi kule akhawunti okanye ngokuqinisekisa ukuba "uvavanyo" oluncinci phakathi kweebhanki ezimbini. Ukufumana iinkcukacha ezingakumbi, funda ngokudibanisa ii-akhawunti zebhanki .
Udlulisele kuwe okanye kwabanye? Le ndlela ilula xa iibhanki zebhanki zihlala egameni lakho. Ukudlulisela imali kumnye umntu, mhlawumbi kufuneka usebenzise utshintshi lwefowuni okanye enye inkonzo (jonga ngezantsi).
Iinkqubo kunye neeNkqubo zokuThumela kwi-Intanethi
Ukuba ibhanki yakho ayinikezeli ukudluliselwa kwebhanki okanye kufuneka uthumela imali komnye umntu, kukho izixhobo ezininzi zokuhlawula i-P2P ezikhoyo.
Ukumisela, uya kudibanisa i-akhawunti yakho kwi-app okanye kwinkonzo usebenzisa i-akhawunti yokujonga kunye neenombolo zokuhamba njengoko kuchaziwe ngasentla. Emva koko, "uthumele" imali kummkeli usebenzisa i-akhawunti yakhe (enokuthi idibaniswe nekheli le-imeyile okanye inombolo yocingo).
Iinkonzo ezidumile: unamathuba amaninzi apha.
- I-PayPal ijikeleze ngonaphakade, kwaye abaninzi abantu banayo i-akhawunti ye-PayPal.
- Uninzi lweebhanki lunikeza ii-P2P zamahhala okanye ezingabizi ngeZelle , Popmoney okanye umthengisi ofanayo. Ezi nkonzo zihlala zongezwa kwi-akhawunti yakho yokutshekisha ngokuzenzekelayo. Khangela "iintlawulo zakho" okanye ezifanayo xa ungene ngemvume kwi-akhawunti yakho.
- I-Venmo iyithuluzi elithandwayo elibandakanya inxalenye yentlalo kunye nokusebenza kwentlawulo.
- Ikhekhe lePalayini yinkonzo yamahhala yokwenza iintlawulo kunye nekhadi lakho lokubambisa.
Ukukhawuleza: Ukuthunyelwa kwee-Celle kunye ne-Square kufuneka kube malunga nangoko, ngelixa ezinye iinkonzo zithatha iintsuku ezimbalwa ukugqiba. Kodwa i-PayPal neVenmo inokukuvumela ukuba ukhawuleze ukuthengiswa kwemali encinci.
Ukhuseleko: Xa usebenzisa le nkonzo, qiniseka ukuba uyazi ngubani othumela kuyo okanye ofumana imali evela kuyo. Ngokomzekelo, iintlawulo zeVenmo azikwazi ukuguqulwa , kwaye ezininzi iintengiso azinikezeli umthengi okanye ukukhusela umthengisi. Abadlali be-Scammers basebenzisa indlela elula ngayo ezo zixhobo zokusebenza, kwaye njani abaninzi abantu bacinga ukuba imali ihamba ngokukhawuleza.
Utshintsho lweMidiya
Ukudluliselwa kwetro yindlela efanelekileyo yokudlulisela imali kwelinye iakhawunti xa ixesha lilingundoqo. I-drawback enkulu yindleko: Uya kuhlawula umrhumo, rhoqo ujikeleze i-$ 40. Ukugqiba ukutshintshela umnxeba, kufuneka unikele ngolwazi olufanayo olufunekayo kwi-bank-to-bank ye-ACH idluliselwayo (imizila yokuhamba kunye neenombolo ze-akhawunti).
Ukuthetha ngokukhawuleza, kodwa kungekho rhoqo ngokukhawuleza: Emva kokuba uyala ibhanki yakho ukuba ifake imali, imali kufuneka ibe kwibhankini efumanayo ngosuku olunye lweentsuku-okanye ngosuku olufanayo, kuxhomekeke kwindlela oqala ngayo ukuqala kunye nendlela ibhanki ehamba ngayo ngokukhawuleza. Imali efikayo ithathwa njengemali "ehlanjululwe", ngoko akufanele kubekho nayiphi na ixesha "ibambe" ngaphambi kokuba imali ikhutshwe. Oko kwathiwa, ukudluliselwa kwefowuni kunokuthatha iiyure eziliqela ukucutshungulwa. Funda kabanzi ngokuthumela nokufumana ucingo .
Iindlela eziDala-zeNdlela zokuTshintshela iMali (iireki)
Ayikho na ukukhawuleza ukuhambisa imali?
Ngamanye amaxesha iteknoloji iyinkxalabo kunokuba ibalulekile. Mhlawumbi unamabhaksi ambalwa ahleli ngeenxa zonke kwi-akhawunti yebhanki yakudala, kwaye ufuna ukuyihlambulula kwaye uyifake kwi-bhanki yakho entsha. Akukufanelekanga umgudu wokubhobhoza kuzo zonke iinkcukacha zokuhamba kunye ne-akhawunti kwaye ubhalisele i-app entsha malunga noko.
Bhala u tshekishe: Ukuba uhlole, ukuzibhala ngokwakho sisisombululo esilula. Yenza nje igama lakho phantsi, kwaye ubeke isheke kwi-akhawunti yakho entsha. Unokunyamekela yonke into ngaphandle kokushiya indlu ukuba uyifake isheke kunye nesistim sakho esisefowuni .
Cela isheke: Ukuba unako ukukwazi ukubhala isheke, vele ucele ibhanki ukuba iphrinta enye yakho. Nangona ungaphandle kwimeko, akukho nto inzima ukufumana itekiti ehlawulwe kuwe (umnini-akhawunti) kwaye uthumele kwidilesi yakho kwifayile kwifayile. Ngaphandle koko, ungasebenzisa inkonzo yentlawulo yebhanki yakho ye- intanethi ukuze wenze intlawulo kuwe. Inkqubo inokuba yinto elula ngakumbi xa usebenzisa inkontileka yekhredithi eyingxenye yenethiwekhi ye- Shared Branching : Unokungena nje nayiphi na isebe kweli lizwe uze ufumane isheke ngokukhawuleza.
Iimali ezihlanjulweyo: Ukucela ikhonkco yinto enyanisekileyo xa ufuna ukuba "uhlanjululwe" imali kwi-akhawunti yasebhanki efumanayo ngokukhawuleza (cela isicatshi yokukhangela imali ukuze usebenzise imali ngokukhawuleza emva kokufaka isheke).