Kutheni Usebenzisa I-Wire? Ngaba Ukhuselekile?
Ukuthengiselana okukhulu-njengokuthenga ukutshintshwa kweseyile okanye ukutshekishwa kwamashishini kungabakho kuphela okukhethwa kukho. Ngoba? Impendulo emfutshane kukuba iimali zifumaneke kummkeli ngaphezulu okanye ngaphantsi kwangoko .
Yithini i-Wire Transfer?
Ukutshintshwa kwetranshini kuhanjiswa kwemali. Utshintshelo lwefowuni lwendabuko luvela kwi-bhanki enye okanye inkontileka yekhredithi kwenye isebenzisa inethiwekhi njengesi-SWIFT okanye i-Fedwire. Kodwa i-term transfer transfers isetyenziselwa ezinye iintlobo zokudluliselwa, ngokunjalo cacisa iimfuno ukuba umntu ucele ukutshintshwa kwetambo.
Ezi ezinye iintlobo zokutshintshwa kwekhompyutha zichazwe ngezantsi kweli phepha. Kodwa ngokuqhelekileyo, ukuba umntu ucela "itambo yebhanki," bafuna ukudluliselwa kwebhanki yendabuko. Ngaphandle koko, inkonzo yokudluliselwa kwemali okanye olunye uhlobo lweentlawulo zekhompyutha lungamkeleka.
Ukukhawuleza kweeTransfer
Ukudluliselwa kwefayili kuncedo kuba imali ihamba phakathi kweentsuku ezimbini okanye ezimbini. E-United States, ukutshintshwa kweso-suku kunokwenzeka, kwaye ukudluliselwa kwamanye amazwe kuthatha olunye usuku okanye ezimbini.
Iimali ezihlanjulweyo: Ngenxa yokuba imali ihamba ngokukhawuleza, ummkeli akafanelekanga ukuba alinde iimali zokucima phambi kokumangalelwa okanye ukusebenzisa imali.
Ngamanye amagama, ngokuqhelekileyo akukho nto ibanjwe kwimali efunyenwe ngotshintsho lwe-wire. Kuba nabani na abathengisayo iimpahla okanye iinkonzo, ukudluliselwa kwentambo kuphephile kunokuba isheke. Iitshekhi ziyakwazi ukuhlawula , kwaye zingathatha iiveki ezimbalwa (okanye ngaphezulu) ukufumanisa ukuba inkokhelo imbi.
Ixesha lokucwangcisa : Iifowuni zinokugqitywa ngolunye usuku, kuxhomekeke kwindlela oyifakile ngayo ukuthumela isicelo sakho sokuthumela imali.
Kungathatha iiyure eziliqela kwibhanki efumanayo ukuba ibonise ukusetyenziswa kwefayile kwi-akhawunti yommkeli-nangona ukuba imali ibhankini. Umqeshwa webhanki unokufuna kuphela ukugqiba imisebenzi emininzi ukwenza imali ifumaneke . Ukuba ukhawuleza ukusebenzisa imali oyifumene ngetambo, iifowuni ezimbalwa zebhanki kufuneka zenze inkohliso.
Indlela yokusebenzisa uTshintsho lweMfono
Ukufakela imali , vele uthumele imiyalelo ebhanki yakho. Uya kufuneka ukunikezela ngolwazi malunga ne-akhawunti yebhanki yomntu oyimfuneko, oyimfuneko ukuyicela kummkeli-cela "imiyalelo yocingo." Ukuze wenze isicelo ngebhanki yakho, unokufuna ukusebenzisa ifomu elibonelelwe yibhanki, kodwa ezinye iibhanki zikuvumela ukuba uzalise inkqubo ye-intanethi. Ukufumana iinkcukacha ezithe vetshe, funda njani ukwenza i-Wire Wire.
Ukufumana imali ngocingo, kuya kufuneka unikezele ngolwazi lwe-akhawunti yakho yasebhanki kumntu okanye kwi-email yokuthumela imali. Buza ibhanki yakho "imiyalelo yocingo engenayo" ukuqinisekisa ukuba usebenzisa amanani afanelekileyo. Kwakhona, imali ihamba ngemini enye, kodwa ingathatha usuku olongezelelweyo ukuba imali ibonakale kwi-akhawunti yakho yokulinganisela kwi-intanethi (ngaphandle kokuba ubiza umnxeba ukuba inkqubo iqhutywe, enokwenzeka okanye engenako ukuyenza).
Imali idla phantse i-$ 40 ukuthumela umnxeba, kunye ne-$ 10 (okanye ikhululekile) ukufumana ukutshintshela kwe-wire.
Kodwa ukuba usebenzisa ikhadi lakho lekredithi ukuxhasa imali yokutshintshwa kwefowuni , uya kuhlawula imali yokuhlawula kwangaphambili, inzala ephezulu, kunye nemirhumo yokudluliselwa ngokwayo. Kungcono ukuthumela intambo ngqo kwi-akhawunti yakho yokujonga.
Ukukhutshwa kweThuthi yeeBhanki
Umngcipheko omkhulu ngotshintsho lwe-wire xa uthumela imali.
Ngotshintsho lwefowuni, imali ivela kwi-bhanki enye iya kwelinye, ize ifike kwi-akhawunti yommkeli. Ngaphakathi kweUnited States, oko kuthetha ukuba elinye iqela ekutshintsheni i-wire lifuna i-akhawunti yebhanki. Ukuvula i-akhawunti, imimiselo yomgaqo-nkqubo idinga ukuba ibhanki iqinisekise ubungqina bakho (phakathi kwezinye izinto) kwaye ubuze idilesi yangokwenyama apho ungayifumana khona.
Kunzima ukubeka ibhanki ngokungabonakali ngaphakathi kwe-US, enqanda amandla amasela ukuba akhuphe i-scam kunye nokutshintshela kwebhanki. Ungagcina ubunikazi bakho kubantu kunye namashishini kwinqanaba elithile , kodwa ukuthotyelwa komthetho ngokubanzi kunakho ukukwazi ukukufumana.
Nangona amabhanki aseSwitzerland asebenzisana nemigudu yokuthotyelwa komthetho wase-US.
Oko kwathiwa, ukukhwabanisa okubandakanya ukudluliselwa kocingo akunakuvakala. Amasela kuphela adinga ukulawula i-akhawunti yebhanki yomntu iintsuku ezimbalwa ukuze athathe imali okanye athumele imali kwenye indawo. Umngcipheko omkhulu kukuba uyithumela imali, isela lirhoxisa imali (okanye uyifake kwi-akhawunti ehlukile, mhlawumbi phesheya kwezilwandle), kwaye awuyikuqonda ukuba uphazamisekile kude kube sekwephuzile ukufumana imali.
Ukuba umntu ucela ukuba usebenzise iifowuni, cingisisa ngokubhekiselele kubani othumele kuyo. Eminye imicimbi yingozi kakhulu: Ngokomzekelo, ukuba ufake imali kwiofisi ehlawula imali engenayo (njengethengiselwano "ukudluliselwa kwemali" kwintengiso kwi-mall, Western Union , okanye efanayo), kunzima ukuqinisekisa ngubani owafumana imali. Nabani na onobungqina beeNkohlakalo bangaqokelela imali.
Imali mboleko yasekhaya: Iintlawulo eziphantsi kunye nezinye iintambo kwiinkampani zetayitile zijolise ekuhlaseleni. Xa uthengisa ikhaya, qho qinisekisa ukuba imali ifanelekile ukuba ifakwe ngumoya - ingakumbi xa ufumana imiyalelo yocingo nge-imeyile. AbaHackers bangakwazi ukuguqula ii-imeyili (nakubantu osebenze nabo kwiiveki ezimbalwa) kwaye bakufundise ukuba uthumele imali kwindawo engafanelekanga. Ukuze ugweme iingxaki, fownela ummkeli ukuba aqinisekise imiyalelo yocingo.
Ukufumana iimali: Kuthiwani ngokufumana ukutshintshela i-wire? Inxalenye enkulu, ewe. Iintlawulo ziqinisekile ngakumbi kuba iibhanki kuphela zixhuma imali xa umthumeli enezimali ezikhoyo. Xa imali ifikile, kufuneka ibe yakho ekuthathweni kwentsuku enye yoshishino (nangona iimeko ezingenakusebenza). Okona, kunzima kakhulu ukuba umthumeli athathe imali emva kokuba idluliselwe.
Nangona kunjalo, kufuneka uqiniseke ukuba ufumene ukutshintshela kwangoku. Ukuze wenze njalo, thetha nomntu osebhankini yakho ukuba ufumane ukuba imali "isusiwe," kwaye uxoxe naluphi na uxhalaba onalo malunga nokuthengiselana. Ezinye iintlawulo zekhompyutheni zingahlaziywa. Abaphangi bathanda ukuxhamla ukudideka kwakho ngokuthembisa ukuba bathumele ukudluliselwa kwentsimbi kodwa ngokuqinisekileyo bathumele imali ngokusebenzisa indlela eyahlukileyo (yokubuyiswa) .
Ezinye iindidi zoTshintsho lweeMbane
Ixesha lokudluliselwa kwefayili lisetyenziselwa iintlobo ezahlukeneyo zokutshintshwa kwekhompyutha. Lezo ntlawulo azikho nje ngokukhawuleza okanye zikhuselekile njengoko ukudluliselwa kwentsimbi yebhanki , njengoko kuchaziwe ngasentla. Enyanisweni, phantse zonke iintlawulo zikhompyutheni kule mihla ( kunye nokuhlola kukufumana i-digitized ).
Iinkonzo zokuTshintshiselwa kweMali: I- Western Union imali ethunyelwayo kunye ne-MoneyGram ngamanye amaxesha kuthiwa "iifowuni" kwaye ezinye zazo zihanjiswe zingaphantsi. Umthumi angaya kwindawo yokuthengisa ngemali, kwaye ummkeli angaphuma kwelinye i-outlet ngemali kwimigqwana embalwa nje. Nangona kunjalo, ukuba uhlawula ezo zithunyelwa kwi-akhawunti yakho yasebhanki, inkqubo iya kuthatha ubuncinci iintsuku. Yaye ukuba usebenzisa ikhadi lakho lekredithi ngokutshintshwa kwemali, uya kuhlawula imali eyongezelelweyo.
I-ACH idlulisela: Ukutshintshwa kwezindlu ezikhutshweyo (ACH) ziye zahluke. Imali isuka kwi-bhanki ukuya kwi-bhanki, kodwa ukutshintshwa kuthatha iintsuku eziliqela, kwaye umvuzo awukwazi ngokuqinisekileyo ukuba imali iya kufika. Iintlawulo ze-ACH zinokuguqulwa, kodwa kuphela kwiimeko ezincinci.
Iiprogram kunye nezixhobo zokuhlawula i-P2P: Izixhobo ezininzi zokuhlawula zivumela ukuba uthumele imali ngokungena kwi-akhawunti yakho yebhanki ngokungachanekanga. I-Venmo, i-PayPal, iCash Cash, kunye nabanye baqedile ukutshintshela ngekhompyutha, kodwa mhlawumbi abacatshangelwa "iifowuni." Qinisekisa ukuba ukhangele nalabo baxhasi benkonzo nayiphi na ingozi onokuyithatha (ingakumbi ukuba uhlawula umntu ongekho awazi). Ezi nkonzo zilula kwaye zithengi . Kodwa esinye isixhobo sinamandla kunye nobuthathaka, ngoko sifunde malunga nezinto ozikhethayo uze ufumene oko kusebenza ngokusemandleni kunoma ubani otshintsha imali kunye naye.