Sekunjalo, izakhamuzi zase-US zinokuzuza ngokusebenzisa ama-akhawunti asebhanki aseSwitzerland. ISwitzerland yimbane yamandla olawulo lwehlabathi.
Ngaphezulu, uhlanga lunikezela ukuzinza kwezoqoqosho kunye nezopolitiko ezingaxhomekeke ekubeni namandla okusebenza njengendawo yerhafu, kwaye kunokwenzeka ukuseka iakhawunti ngendlela edikibala abanye ekuhambeni kweempahla zakho.
IAkhawunti yangasese
Iibhanki zaseSwitzerland zinomlando omdala wokugcina ulwazi lwe-akhawunti yangasese. Emva kokuhlaselwa kweFransi kwiibhanki zaseSwitzerland ngo-1932, iSwitzerland yadlulisa uMthetho weBhanki ka-1934. Abanini-bhanki abakhupha ulwazi malunga nabaxumi ba bucala okanye bavume ukuba kukho i-akhawunti yomthengi ibhekene neentlawulo zolwaphulo-mthetho. Emva kwexesha, amabhanki aseSwitzerland asetyenziswe ukufihla ubutyebi bamaNazi, ukukhusela impahla ye tshutshiswa, kwaye uncede abanye abaninzi bahlale bephantsi kwiprofayili.
Akukho fanayo nefihla: Ubumfihlo bunqande. Iibhanki zaseSwitzerland ngoku zibandakanya uphando kunye nolwaphulo-mthetho, ukuguqula iinkcukacha ukuba abanini be-akhawunti bangathanda ukufihla kwabanye.
Iingxelo ezilandelelweyo: Ubunini obuqinileyo buvela kumabhawuntari ahlawuliweyo, afunyenwe ngaphakathi ngenombolo (endaweni yokusebenzisa igama lomnini-akhawunti).
Nangona kunjalo, ii-akhawunti ezibhalwe apha azibonakalwanga-kufuneka uhlinzeke ngolwazi lokuchonga ukuvula i-akhawunti, kwaye ukhethe amalungu asebenzayo afumaneke amagama angempela emva kwama-akhawunti athile. Iakhawunti ezithengiweyo zikhawuleza owaziyo ngeakhawunti yakho kwaye ngubani ongayifumana.
Izinzuzo zobumfihlo: Nangona ungumhlali onomthetho, unokwaluqonda izinto ezongezelelweyo zobumfihlo.
Abantu abanezityebi bangathanda ukuhlala phantsi kwe-radar ukuphepha izigwebo ezinobungozi, ukuthatha iithagethi, okanye ezinye izinto ezingafunekiyo.
Ezinye iindlela: Nangona ii-akhawunti zeSwitzerland azikho into ezazisetyenziswa, iSwitzerland iyaziwa ngeenkonzo ezongezelelweyo, njengempahla yokugcina igolide nezinye izinto ezixabisekileyo. Lawo malungiselelo ayifaki ukubonakaliswa okufanayo kunye nokwabelana ngolwazi njenge-akhawunti yebhanki, kodwa baneengozi ezikhethekileyo.
Ukwabelana ngolwazi
Ngokomlando, ii-akhawunti zebhanki zaseSwitzerland zazinceda ekukhuselweni kweempahla ezisuka kumthetho, ababolekisi, kunye nabasemagunyeni berhafu. I-Supervillains kuma-movie basebenzisa ama-akhawunti aseSwitzerland ukuba amkele iintlawulo nge-wire kwaye ahlale phantsi kwe-radar. Kodwa ukukhuselwa kwempahla akukho nto xa wenza nantoni na into eyenziwa ngumthetho waseSwitzerland njengokungekho mthethweni.
Intsebenziswano emngceleni: I-Swiss Bankers Association ichaza ukuba izigwenxa kunye neziko akufanele zilindele indawo ekhuselekileyo yokuzuza kakubi. Iibhanki zaseSwitzerland zijongene nokugxeka kunye noxinzelelo lokusebenzisana noorhulumente bamazwe angaphandle abanomdla kwimali yerhafu, ukulwa nobutshaba nokunciphisa ubuqhetseba. Ngenxa yoko, iibhanki zinika ulwazi malunga nabaxhasi kwiimeko ezininzi, kubandakanywa izityholo, ukuphanda kwerhafu kunye neenkqubo zomtshato.
Ngelixa kunokwenzeka ukufihla impahla ngaphesheya, kungenjalo ukungekho mthethweni ukwenza njalo, kwaye kunzima ukuba ubaleke.
Isivumelwano se-FATCA: Ukukhutshwa kweerhafu kunzima kakhulu ukukhupha ngenxa yesigqibo soMthetho wokuThengiswa kweRhafu ye-Akhawunti yangaphandle (FATCA). I-FACTA ngumthetho wase-US, kodwa amabhanki aseSwitzerland avumile ukwabelana ngolwazi malunga nabanikazi beakhawunti yase-US, ngokungathandabuzeki banqunywe izigwebo ezinzima zokungathobeli. Akukho mthethweni ukubamba impahla ngaphandle, kodwa abahlawuli berhafu be-US kufuneka bavakalise ezo akhawunti , ezingakhokelela kwiimfanelo zerhafu. Ukuba awuxeleli ubukho bee-akhawunti, ibhanki yakho inokukwenza yona.
Ukhuselo lwabalandeli : Abemi abaninzi baseUnited States abafumanisi ukukhuselwa kwemali-mboleko enkulu ekungeneni ii-akhawunti zebhanki zaseSwitzerland. Iibhanki zaseSwitzerland zisebenzisana nezigwebo zomthetho kunye nezobugebengu, zenze ukuba zingabalulekanga ukuphepha izigwebo zomthetho, ukuhlawula imali, okanye ukufihla imali ebiwe apho izigwebo zivela kwiinkantolo zase-US.
Sekunjalo, kunokwenzeka ukongeza izithako zokukhusela kunye nekhusela impahla evela kubabolekisi ngaphandle kokufihla impahla okanye ukuphula umthetho. U-Victor J. Medina, iCFP, ummeli wezocwangciso zezindlu kunye nomcwangcisi wezemali ugxininise ekukhuselweni kweempahla, uthi umntu angongeza ulondolozo ngokugcina impahla kwizinto ezinjengeentembelelo kunye ne-LLC ezifumaneka kwimimandla engekho e-US, efuna ukufumana izigwebo kulawo macandelo. Kodwa akusiyo isicwangciso se-bulletproof. "Kufuneka ugweme ukuqhuba imigaqo yokuthutha, kwaye ngezinye iinkalo," kusho uMidina, "ukubaluleka kwebango kulungele iindleko zokugweba ukufumana izigwebo eziqinisekisiwe kwezo ndawo zikude." Ngamanye amazwi, abafakizicelo abashukumisayo abaneepokothini ezinzulu banokukunqoba izithintelo.
Izakhamuzi zeentlanga ezixhomekeke ekuthinjweni okungenasiphelo okanye iinkqubo ezingalunganga ziyakwazi ukufumana inzuzo kwi-akhawunti yaseSwitzerland.
Indlela yokuvula iAkhawunti
Ukuba uqonda imida kwaye ufuna ukuqhubeka, lungele inkqubo ende. Awuyivula i-akhawunti yebhanki ye-intanethi-lo msebenzi uza kubangela amakhulu wamaphepha emaphepha (ubuninzi bawo ekupheleni kwebhanki) kunye neeyure ezininzi zabasebenzi.
Lungiselela amaxwebhu: Ngenxa yokuhlola okongeziweyo kunye nezohlwayo ezinokuthi, iibhanki zaseSwitzerland zineenkqubo eziqinileyo zokunyamekela ngokufanelekileyo kubathengi ngaphambi kokuvula iakhawunti. Ukongeza kwesazisi esivumelekileyo, njengepasipoti, kuya kufuneka ukuba ubhale imithombo yobutyebi bakho. Amabhanki abucala kufuneka aqonde indlela ofumana ngayo imali engenayo kunye nalapho imali yakho ivela khona. Ukufumana idizithi ezinkulu (ekuthengiseni ipropathi okanye ishishini, umzekelo), unokufuna ukubonelela ngeengxelo zebhanki kunye neikopi zezivumelwano ezibhalisa umthombo wemali.
Faka isicelo kwi-akhawunti: Abafokazi bafuna ukufaka izicelo kwi-akhawunti yebhanki yaseSwitzerland. Kwakhona, injongo kukuqinisekisa ukuba amabhanki ayazi ukuba ngubani umthengi wabo kunye nalapho imali ivela khona. Oko kwathiwa, ungenzi uhambo oluya eSwitzerland unethemba lokungena ebhankini uze wenze isicelo-wenze uphando uze uqale incoko ngaphambi kokuba ufune ukuvula i-akhawunti. Khawukhumbule imingeni ephakamileyo xa usebenza nabemi base-US, njengengozi yemali ebhankini, imithwalo yokulawula kunye nemaphepha. Yilungele ukuva "akukho." Amathuba akho okuvunywa mhlawumbi angcono xa usebenza kunye neqela elihlangene eliye lakwenza ngaphambili kwaye linalo ubudlelwane eSwitzerland.
Ukusebenzisa i-akhawunti: Abaninzi basemzini abasebenzisi ii-Swiss amabhanki kwi-akhawunti yansuku zonke. Unokufumana amakhadi okubambisa kunye neentengo zemali ukuze usebenzise imali, kodwa iingenelo eziphambili ze-akhawunti yaseSwitzerland zizinzile kwi-bank system kunye nobumfihlo. Ukuba usebenzisa ama-debit amakhadi okanye ubhale ukuhlola kwi-public, uvumela umhlaba ukwazi ukuba unayo imali kwi-akhawunti yebhanki yaseSwitzerland, ukuphelisa ubuninzi bebucala obenze kanzima.
Ulwazi olubalulekileyo
Ngaphambi kokuhambisa impahla kwi-akhawunti yangaphandle, phanda izinto ezifana neendawo zepolitiki, iimeko ezifanelekileyo, ukuzinza kwemali kunye neminye imiba. Thetha nommeli weerhafu ukuqonda iimbopheleleko zakho njengomhlawuli-ntlawulo wase-US.