Iibhanki ze-Intanethi zihlala zibonelela ngeeNkcazo eziPhezulu
Xa iimarike zijika, abantu bathambekele ekufuneni indawo ezikhuselekileyo zokutshintsha imali yabo. Ngokwemvelo, abanye baye bajika kwi -akhawunti yokugcina imali ephezulu yeebhanki. Isibheno sale mabhanki siyacaca - ezininzi zazo zinikela ngenani lentlalo ephezulu kakhulu kuneebhanki zamatye kunye nezitya. Ngokomzekelo, enye yeebhanki ezikhokelayo kwi-intanethi ingaba ne-interest rate ye-2.49% ye-APY kwi-akhawunti yokulondoloza.
Thelekisa ukuba kwi-akhawunti yakho yasebhanki yokugcinwa kwebhanki yasekuhlaleni ye-0.20% ye-APY-yinto eyahlukileyo ye-2.29%. Kwi-akhawunti ibhalansi ye-R10 000, oku kuthetha ukuma kweqela lamadola angamawaka ngemali efunyenwe.
Kodwa, iibhanki ze-intanethi ayilona khetho olufanelekileyo kubo bonke abantu. Ukuba ukhangele indawo yokubeka imali yakho yokugcina imali, jonga i-pros and cons to choosing banking online on a brick-and-mortar bank.
Iinzuzo zeebhanki ze-intanethi
Ixabiso lentengo ephezulu yokuzala: Inzuzo enkulu yokusebenzisa ibhanki kwi-intanethi ngokuqhelekileyo inzala yenzalo. Ixabiso lentengo kwi-akhawunti yabo yokulondoloza ihlala iphakamileyo ngokubanzi kuba i-overhead isezantsi. Akunamasebe okugcina, akukho baxeleli ukuba bahlawule, akukho baphathi bamasebe okanye abasebenzi base-janitorial. Ngaphandle kwezi ndleko zongeziweyo, iibhanki zinokudlula ukugcinwa kwabathengi ngendlela yezinga eliphezulu.
Imirhumo encinci: Ukongeza kwizinga eliphezulu, iibhanki ze-intanethi zivelisa enye inzuzo ngendlela yemirhumo embalwa .
Xa kuthelekiswa ne-akhawunti yokugcinwa kwendabuko, enokuthi ibe ne-$ 5 okanye i-$ 10 yemali yesondlo yenyanga, iibhanki ze-intanethi zingahlawulanga imali nganye ngenyanga. Akukho mfuneko yokulinganisela ibhalansi kunye neentlawulo ezincinci eziphantsi zokuvula i-akhawunti enezela kwisibheno sabo.
Uluhlu oluphezulu kwi-intanethi ye-intanethi: Ukususela kuma-99% ekusebenzisaneni kwakho kunye nebhanki ye-intanethi kuya kuba ngewebhu, iibhanki ze-intanethi zinewebhusayithi ephezulu kakhulu eneempawu ezininzi kunye nexesha lokuphendula ngokukhawuleza.
Zinezinhlelo zokusebenza eziphathekayo ezinikeza ukuphathwa kweakhawunti elula kwaye ehlaziyiweyo. Amanqabana amaninzi amatye kunye namatye anikezela ngamagunya e-intanethi ngokuqhelekileyo akwenza oko emva kokuba kulandelelwe, nangona ezinye iibhanki ezinkulu zinokubuyisela kwakhona iinkqubo zabo zebhanki ze- intanethi kunye nezithuthi ze-intanethi ukuze zihambisane nabaqhubi be-intanethi.
Ukuvula i-akhawunti ikhawuleza kwaye ilula: Ngenxa yesimo esiphezulu kwi-intanethi, nantoni na kufuneka uyenze ingenziwa kwi-inthanethi nanini na. Ukuba uvakalelwa ukuvula iCD entsha ngeCawa ebusuku, unako. Awunelanga ukulinda isebe ukuba livule, akudingeki ukuba uqhube kwi-yesebe, ulinde kumgca, uze uzalise iphepha okanye udibane nombhanki. Unokwenza ibhanki yakho ngokwemiqathango yakho.
Imiba yeebhanki ze-intanethi
Iiwebhsayithi ziyakwazi ukuhla: Ngelixa lingaqabile, akuyivalelwa kwiiwebhusayithi zokuhla. Ngomnyaka we-2008, i-HSBC Direct yafumana ukungaphumeleli kobugcisa obwenza ukuba i-website yayo ifikeleleke ixesha elide. Ibhankini yebhanki yenziwa njengesiqhelo (idipozithi zabhaliswe, ukurhoxiswa kwacutshungulwa, njl.) Kodwa abathengi abakwazi ukungena kwiakhawunti zabo. Kwiminyaka emininzi edlulileyo, u-Mfudrant uqondise ngokutsha uphuculo lwewebhusayithi yabo, kunye nogumbe beendwendwe ekukhangela isayithi elitsha elenza ukuba lifikeleleke kwiiyure ezimbalwa.
Ekugqibeleni, kuseyiwebhusayithi, kwaye iiwebhsayithi zingenakufikeleleka, ezinokukunyanzela ukuba usebenzise ifowuni, okanye ngakumbi, ayikwazi ukwenza intengiso ebalulekileyo.
Awukwazi ukuya kwisebe: Kukho into ethuthuzelayo ngokukwazi ukuhamba kwindawo ethile kwaye uthethe umntu ubuso nobuso. Ngeebhanki ze-intanethi, ubuhlobo bebhanki, obubaluleke kakhulu xa ubhekana nemali-mboleko, buye. Ezinye iibhanki ze-intanethi zinika iinkonzo zembolekiso ezifana neemali zokugcina imali kunye namanqaku emoto, kodwa ngokubanzi, abaninzi abantu banokuthembela kwiibhanki zetena kunye neenkunkuma kulawo mahlelo enkonzo.
Imirhumo ephezulu ye-ATM: Nangona ezinye iibhanki ze-intanethi zinomnxeba omkhulu wama -ATM angena-ntlawulo, akubona bonke abazenzayo. Ukuba awukwazi ukusebenzisa enye ye-ATM yebhanki yakho ye-intanethi, unokufuneka usebenzise enye ibhanki. Oku kungabangela ukukhishwa kwe-ATM yangaphandle kwaye ibhanki yakho ye-intanethi inokukuhlawula imali yokusebenzisa umatshini weebhanki ezahlukeneyo.
Oku kungenza ufumane imali okanye uhlolisise ibhalansi yakho yabiza ngakumbi kunokuba kufuneka ukuba. Ukuba ukhetha i-bhanki kwi-intanethi ukujonga okanye ukulondoloza, jonga umntu onikezela ngokuhlawulwa kwenyanga nganye kwiimali ze-ATM zangaphandle.
Ukudlala umdlalo wokulinda: Ngenxa yokuba iibhanki ze-intanethi zingenawo amagatsha, ukhetho lwakho lokwenza idizithi okanye ukurhoxiswa lungapheleliswa ku-ACH ukudluliselwa, idiphozithi ngqo, ukutshintshwa kwefowuni okanye i- positi yesheke . Nangona unako iindlela ezininzi zokongeza imali kwi-intanethi yakho okanye ukujonga i-akhawunti, okanye ukuyithumela kwelinye i-akhawunti, ezo ntengiso zithatha ixesha lokugqiba kunye nexesha lokucima xa zibetha iakhawunti yakho. Oko kungabangela ukuphazamiseka xa ixesha lilokho.
Okukwintsusa
Ngokubanzi, iinzuzo ze-akhawunti yokulondoloza imali ephezulu kwiibhanki ze-intanethi zivame ukugqithisa ukukhungatheka. Ngelixa bengenakulungele ukuqhuba imisebenzi yakho yemihla ngemihla, benza indawo enkulu yokugxotha imali ngemini yemvula okanye ubambe i- fund yakho yengxamisekileyo kwaye ufumene amazinga enzala aphezulu.