Ukujonga kwiNzuzo kunye neengxaki onokujamelana nazo
Uninzi lwabathengi bavuyisayo ngamava abo asebhanki. Bayakufumana inzala ephezulu kwimali yokugcina imali, kwaye bahlala bekwazi ukufikelela kwimpumelelo kwezobuchwepheshe bebhanki ( njenge-deposit far away ) ngokukhawuleza kunokuba bebeya kwibhankini yendabuko.
Ngaphezu koko, imiba ekhankanywe kweli nqaku iya kuba yancinci kakhulu njengoko iibhanki ziphuculwe kwaye zikhuphisana kakhulu kule minyaka.
Iibhanki zeBhanki ze-Intanethi kunye nokukhawuleza
I-intanethi yenza izinto zikhawuleze, kwaye ezinye izinto zihamba ngokukhawuleza. Ukuvula i-akhawunti kunokuziva ngathi "khawuleza ulinde" imeko. Uya kugcwalisa isicelo kwi-intanethi, kwaye usenokufuneka uthumele kwiphepha lephepha kunye nesayinitsha yakho. Oku kunokungaziveki, xa kuthelekiswa nesantya esihambelanayo kunye nezinye iintengiso kwi-intanethi. Kwiibhanki zetena kunye ne-mortar, ungaqala ukusebenzisa i-akhawunti ngokukhawuleza.
Ngokufanayo, ukufaka imali kwi-akhawunti yakho yebhanki kwi-intanethi kunganciphisa. Ukuba ufumana isheke esikhulu kwaye ufuna ukuqala ukufumana umdla, unokulinda ukulinda ukuba uya kuthumela i-check in. Ngoku, i- APY ephakamileyo oyifumanayo ingaqhubeka isenza ixabise ixesha lakho, kodwa akumnandi yima.
Unokwenza ntoni ngale nto? Sebenzisa ibhanki kwi-intanethi evumela ukuba ubeke iitshekhi ekude (kunye nekhompyutheni okanye ifowuni yeselula).
Ezi ntlawulo ziza kuqala ukufumana umdla ngokukhawuleza, kwaye akufuneki ukuba uhlawule isitampu. Kodwa kukho ukubamba: ibhanki ibingakanani ukuba ungayifaka njani idivayisi yakho yeselula, ngoko awukwazi ukubeka iikopi ezinkulu ngale ndlela.
Kuthiwani ngokufumana imali ngokukhawuleza? Ukuba ufuna ukuhlawula umntu onokhenkethi , i-akhawunti yebhanki ye-intanethi ayiyi kunceda.
Nangona kunjalo, unokwenza ukuba udluliselwe kwi-akhawunti yebhanki kwi-intanethi (ukuba i-payee yakho iya kwamkela ukutshintshela umnxeba).
Awukwazi ukuyisebenzisa kwi-akhawunti yakho yasebhanki ye-intanethi
Awukwazi ukuyithatha xa uhamba, ngoko kutheni ungasebenzisi enye yale mali? Ii-akhawunti zebhanki ze-intanethi ziye zenza nzima ukuchitha imali yakho - ngokuqinisekileyo kwakufuneka ucwangcise ukugcina imali yakho kwi-akhawunti-kodwa izinto ziye zathuthuka ukususela ngoko. Ukugcina imali yakho ifikeleleke, sebenzisa iakhawunti ezinikezela ngokuhlawula i-bill ye-intanethi okanye amakhadi esetyenzisiweyo ongayisebenzisa kwi-ATM okanye umthengisi.
Inkonzo yabaThengi ngeeAkhawunti zeBhanki ye-Online
Izinto ziphucuka, kodwa unokuba unenkathazo ngeenkonzo zabathengi. Ngebhanki yezitena kunye nomdaka, mhlawumbi uya kuba nolwazi oluqhelekileyo nabasebenzi, kunye nakumanyano omncinci wesikweletu , abasebenzi banokukwazi kakuhle. Ukuba unobumba bomntu othanda ukusebenzisana naye, kulula ukuyifumana kwiziko lesitena kunye nelo. Ngakolunye uhlangothi, unokuba ufuna ukufumana izinto kwaye uqhube phambili malunga neshishini lakho, apho iibhanki ze-intanethi zisebenza kakuhle.
Ngamanye amaxesha iingxaki zilula ukuzisombulula ngomntu. Ukuba kukho impazamo kwindawo ethile, ingxoxo ebusweni kunye nobuso inokuba yindlela efanelekileyo kakhulu yokwenza inkqubela xa izinto zidideka.
Awunakuze ulinde ukubamba kwaye ubhekane nenkqubo "yokunyuka" xa wonke umntu ehlala phantsi kunye nokujonga izinto.
Kutheni kubalulekile ukuba umsebenzi Kulula ukufumana inkonzo enhle ukuba uyabazi, bayazi wena, kwaye bayazi into oyenzayo ngeakhawunti zakho. Ungakhetha kwaye ukhethe ngubani ojongene naye ukuba uyazi kakuhle abasebenzi (sinethemba lokuba kukho umntu othanda ukusebenzisana naye).
Nangona kunjalo, iibhanki ze-intanethi zifuna ukuba udlale "iLotto ye-1-800". Unokufumana umntu oncedo kunye nolwazi, okanye unganakho. Kwibala eliqaqambileyo, unako ukuhlala uxhoma kwaye ubuyele kwakhona-unethemba lokuba ummeleli ofanelekileyo, kodwa oku kuphazamisayo. Kwiminyaka yakutshanje, inkonzo yabathengi iphucule kwiibhanki ezininzi ze-intanethi. Kodwa kwiintsuku zokuqala, abathengi ngezinye amaxesha "batshayelwa" okanye ukuba ii-akhawunti zabo zivaliwe ukuba zigcinwe kakhulu (ukuba zifunwa kakhulu kumsebenzi wamakhasimende).
Ezinye izizathu zokugwema iiAkhawunti zeBhanki kwi-Intanethi
Ngamanye amaxesha i-website yebhanki ye-intanethi ihla Xa oku kwenzeka, akukho ncitshulwa yegatsha onokuya kuyo - kunye nemigca yefowuni iya kugqitywa. Ukuze uzikhusele, qhubeka ugcina ibhanki yendawo okanye i- akhawunti yemanyano yekhredithi evulekileyo ngemali exakekileyo ukuze ungabi nantoni naxa ulungisa ingxaki.
Isishwankathelo
Akufanele ulawule ii-akhawunti zebhanki kwi-intanethi. Ngaphandle kokuba awukwazi ukunyamezela naziphi na iimeko ezilapha ngasentla, unokufumana inzuzo ngokuvula i-akhawunti. Kukho izizathu ezininzi zokuqwalasela iibhanki kwi-intanethi: zinika indlela elula yebhanki mahhala, ibhetele yakho yokufumana amaxabiso aphezulu, kwaye ngokuqhelekileyo yenza ubomi bube lula. Awunakuze ungene kulo naluphi na iingxaki ezikhankanywe ngasentla, kunye namava akho onke aya kuba mkhulu. Nangona kunjalo, ngoku unengcamango yento enokungahambi kakuhle xa usebenzisa ezi nkonzo.