Indlela ekhawulezayo yokuhambisa imali
Ukuba awuqinisekanga ngokucacileyo ukuba ucingo ludluliselwa njani umsebenzi, funda ngeBasic Transfer Basics ngaphambi kokuba ugunyaze ukudluliswa kwe-akhawunti yakho. Imali oyithumeleyo iya kushiya ngaphezulu okanye ngaphantsi kwangoko, kwaye awuyi kukwazi ukuyibuyisela (awukwazi " ukuyeka ukuhlawulwa " okanye ukukhansela ukudluliselwa).
Ukuba awunayo i-100% enoba ngubani ofumana imali, uthatha ingozi.
Iintlobo zokudluliselwa kwefayile: ukugqithiswa kwentambo yekota kusetshenziswe iindlela ezininzi, kubandakanywa
- Ukutshintshwa kwebhanki enye ukuya kwelinye usebenzisa amanethiwekhi asebhanki
- Inkokhelo yekhompyutha ngokusetyenziswa kwemali yokuthunyelwa kwemali (njenge-Western Union, PayPal, nabanye), engayisebenzisa i-akhawunti yebhanki yomntu
Inkqubo echanekileyo iya kuxhomekeka kukuphi uhlobo lokutshintshwa olusetyenziswayo. Kodwa kwiimeko ezininzi, uzakufuna ulwazi olufanayo (njengamanani e-akhawunti yebhanki) ukugqiba ukudluliselwa. Okokuthi, ezinye iinkonzo zokuthunyelwa kwemali ( njengo-Western Union ) zisebenza ngokuzimeleyo - unokuzisa imali, kwaye ummkeli unako ukuhamba ngemali. Baye bakuvumela ukuba uqaphele ummkeli ngenombolo yefowuni okanye idilesi ye-imeyile.
Utshintsho lweMidiya
Ukuthumela imali usebenzisa ucingo lwebhanki yendabuko uya kulufuna ulwazi olulandelayo kwi-akhawunti eya kufumana imali .
- Igama lebhanki lommkeli (ibhanki leyo imali iya kuyo)
- Inombolo yebhanki ye- ABA inombolo okanye enye ikhowudi
- Inombolo yeakhawunti ye -Payee ebhankini
- Naluphina ulwazi olongezelelweyo olufunekayo ukubonelela (imiyalelo yokuhambisa eyongezelelweyo, njl.)
Ukuze ufumane olu lwazi, cela nje ummkeli (ucinga ukuba uthumela imali kumnye umntu - okanye ucele ibhanki yakho ukuba uyithumela kuwe).
Ummkeli wakho uya kufuneka ukuba acele ibhanki yakhe kule nkcukacha - iibhanki zibonelela ngephepha lomyalelo nazo zonke iinkcukacha eziyimfuneko ezikhankanywe. Ungaze ufake imali ngokusekelwe kwingcaciso oyifumana kwi-imeyile
Isilumkiso se-Scam: Ungaze ufake imali ngokusekelwe kwingcaciso oyifumana kwi-imeyile. Ukuba umntu uthumela imiyalelo ngekhompyutha, fownela ummkeli kwaye uqinisekise imiyalelo ye-wiring ngaphambi kokuba uqhube phambili. Hackers kalula banqanda imilayezo kwaye inike ulwazi ngolwazi abalawulayo, kwaye inkinga eyandayo. Ngokomzekelo, ukuba inkampani yenkampani yakho ithumela imiyalelo ye-wiring yokuhlawula , qiniseka ukuba uyazi apho imali iya khona.
Indlela yokwenza imali ifakwe kwi-akhawunti yakho: Ukuba ufumana imali, cela ibhanki yakho ngemiyalelo yokudlulisa umnxeba-okanye ufune imiyalelo ye-wiring kwi-intanethi. Qaphela ukuba inombolo ye-ABA oqhelekileyo ukuyisebenzisa (lowo ubona kwiihlolisiso zakho okanye ukuba uyisebenzisela idiphozithi ngqo ) kungenzeka ukuba yinto engcono kakhulu yokusebenzisa ukutshintshwa kwecingo. Ukuba ufuna imali ngokukhawuleza, kukulungele ukuthetha nenkonzo yabathengi kwaye uqinisekise ukuba usebenzisa isethi echanekileyo yamanani kunye nemiyalelo.
Ukuthumela iWindows? Qhagamshelana neBhanki yakho
Ukuthumela ucingo, hlawulela ulwazi olungentla apha, qha ga mshelana nebhanki yakho, kwaye ubuze ukuba ungathumela njani ukudluliselwa kwentambo kwi-akhawunti yakho.
Basenokuba ifom efuna ukuyizalisa, okanye unokukwazi ukuqala inkqubo kwikhompyutha.
Iibhanki ziyakwamukela imilayezo yefayile kwi-intanethi, kodwa qiniseka ukuqinisekisa zonke iinkcukacha ngebhanki yakho ngaphambi kokuba uqale ukuthayipha. Uyakwazi ukuthumela iifowuni ezincinci kwi-intanethi, ngelixa ukutyelela kwesebe kuyadingeka kwiimali ezinkulu zeedola (umzekelo, ibhanki inokuvumela ukuba ucele iifowuni ukuya kuma-25,000 kwi-intanethi, ngako ke xubusha inani elithile ngaphambi kwexesha).
Ngokuxhomekeka xa uthumela imiyalelo ebhanki yakho, banokugqiba umnxeba wakho webhanki ngaloo mini. Xhagamshelana nebhanki yakho emva kokungenisa isicelo sakho ukuqinisekisa ukuba banakho konke abakudingayo.
Ngokungafani neentlawulo zekhompyutha (ezifana neentlawulo ze-ACH ) iintambo zebhanki zibiza imali. Kufanele ulindele ukuhlawula umrhumo wenkonzo, kwaye unokuba ufanele uhlawule ukuba ufumana ucingo lwebhanki kwi-akhawunti yakho.
Imfono yokudluliselwa kwefayili idla ngokuphakathi kwe-$ 25 kunye ne-40.
Ukuba usebenzisa ikhadi lekhredithi , uza kuhlawula ngaphezulu. Kungcono ukuxhaswa imali ekutshintsheni kwi-akhawunti yokukhangela ukuze ungakhokheli imali yentlawulo yangaphambili kunye nemigangatho yemigangatho ephakamileyo.
Ukulindela iMatyala
Nangona iingcingo zebhanki zikhawuleza, azibonakali rhoqo kwi-akhawunti yommkeli ngokukhawuleza . Ibhanki efumanayo inemizila yeefowuni zebhanki ezingenayo, kwaye kunokuthatha ixesha lokuba zihambe kuzo zonke kunye nekhredithi. Oku kuya kuphazamisa ngokudluliselwa okukhulu kunye nokubalulekile, kodwa kuyinto eqhelekileyo. Ngamanye amaxesha iifowuni ezimbalwa ziza kukunxibelelana nomntu onokubona ubuncinane ukuba ukugqithiswa kugqityiwe, kodwa ngamanye amaxesha umcimbi wokulinda.
Ezinye iindlela zokuhambisa imali
Ngamanye amaxesha ukutshintshela umnxeba kukukhetha kwakho kuphela. Kodwa zikho ezinye iindlela zokuthumela okanye ukufumana imali - "ichithwe" iimali (ezingathathi iintsuku ezininzi zoshishino ukuba zifumaneke , kwaye ziyamkeleka kwiintengo ezifana nokuthenga ikhaya).
Uhlolo lweeCasher: ukuba ufuna iimali ezicwangcisiweyo , ukhetho olulandelayo lukhangele isheke. Iitshekhi ze-Cashier zihlawulwa kwi-akhawunti yebhanki (kuba ibhanki okanye umanyano wekhredithi uthatha imali ngaphandle kwekhawunti yenkampani ngexesha iteksi liprintwayo), ngoko ke kuthathwa njengento enjengeentambo zebhanki. Iitshekhi zeCashier zibiza ngokuncinci ngaphantsi kokudluliselwa kwefowuni. Ukufumana iinkcukacha ezongezelelweyo, funda indlela i-Chesser Checks isebenza ngayo .
Iimali zemali : Iimali zemali zifana nokuhlolwa kweefashi, kodwa kungekhona nje ngokukhuselekileyo. Zingathengwa kwiibhanki, imibutho yamatyala, izitolo ezilula, iiofisi zeposi, nakwezinye iindawo. Zinto ezincinci, kodwa azifanelekanga ukuthenga ezinkulu kuba zinemiqathango emininzi (efuna iindleko ezininzi zemali). Ukufumana iinkcukacha ezongezelelweyo, funda indlela Imimiselo Yemali Isebenza ngayo .
Olunye ukhetho: ngokudluliselwa okungabonakaliyo-njengokudluliselwa kubangani, intsapho, okanye i-akhawunti yakho kwibhankini eyahlukileyo - kukho iindlela ezininzi zokuthumela imali. Eyona nto ibhetele, ngokuqhelekileyo ikhululekile ukuthumela iintlawulo zakho. Iinkonzo ze-intanethi kunye neenkqubo zenza inkqubo ilula, kodwa ngokuqhelekileyo ithatha iintsuku ezimbalwa kwaye idinga ukuthembela kwezinye izinto ezibandakanyekayo. Ukufumana iinkcukacha ezongezelelweyo, funda ngeendlela ezingabizi ukuthumela imali .