Ikhokelo ngeNzathelo ngeNtshukumo yokuThumela iiAkhawunti zeBhanki
Landela uluhlu olungezantsi ukuze wenze ukufuduka kwibhanki yakho entsha ngokukhawuleza nangentlungu engenakwenzeka.
1. Vula i- akhawunti yakho entsha yebhanki
Fumana i-akhawunti yakho entsha kwaye usebenze-ngokukhawuleza, bhetele. Awukwazi ukutshintsha ibhanki ngaphandle kokuba ufumane indawo ethile.
Ukuvula i-akhawunti yincinci elincinci ongayigqiba kwi-Intanethi ngemizuzu eyi-10 okanye ngaphantsi . Yenza idiphozithi kwi-akhawunti yakho entsha, ulindele imali yokucima , kwaye ujonge ukuqinisekisa ukuba yonke into ibonakala ilungile.
Qalisa iqela: Vula i-akhawunti yakho ubuncinane ngeveki okanye ezimbini ngaphambi kokuba uceba ukwenza ukutshintshwa kokugqibela. Oku kukuvumela ukuba usebenzise i-akhawunti xa ufuna. Uzakufuna ukuba nekhadi lakho lokubambisa ngesandla (elinokuza ngeposi) kunye nokufikelela kwi-intanethi, iphasiwedi yokusebenza kunye ne-app yakho yebhanki yeselula.
Qhagamshelana neakhawunti: Misela unxibelelwano lwekhompyutheni phakathi kwama-akhawunti akho amadala kunye namatsha. Le ndlela yindlela elula kakhulu kwaye engabizi kakhulu yokuhambisa imali, kwaye unokudinga ukutshintsha imali ngokukhawuleza kunye okanye kabini de yonke into idityaniswe kuyo. Bona indlela yokudibanisa i-akhawunti yakho yasebhanki . Ukuba zombini iibhanki zakho zisebenzisa u-Zelle , unenhlanhla-leyo yindlela esheshayo yokuhambisa imali mahhala.
2. Ukuchonga iindleko zenyanga
Yenza uluhlu : Qaphela ukuba zonke iindleko ozihlawula ngokuzenzekelayo kwi-akhawunti yakho yasebhanki .
Awuyikuvala (okanye ungenanto) kwi-akhawunti yakho yasebhange yakudala uze ubeke enye indlela yokuhlawula loo mabhili.
Unokufuna ukutshintshela kwiintlawulo zesikhokhelo esidala ixesha elide ukuze kungabikho nto elahlekileyo ekutshintsheni. Unako ukuhlawula iindleko usebenzisa i-intlawulo yebhilikhi ye- intanethi , kodwa "uya kushukumisela" imali ngaphandle kunokuba neenkonzo zakho zinikezela ngeentlawulo xa ungalindelanga.
Akhawunti ezifanayo? Ukuba unako ukuyifumana, xhawula iibhanki zombini ngokwaneleyo ukugubungela iibill, kwaye utshintshe iintlawulo zebhilikhi kwi-akhawunti entsha njengoko ibhilikhwe nganye ivela ngenxa.
Ngokufanelekileyo, uya kuxhomekeka kwi-akhawunti yakho entsha njengoko kunokwenzeka. Ukuba uya kubhala ukuhlola okanye usebenzise intlawulo ye-bill ye-intanethi , qalisa ukubhala ukuhlola kwi-akhawunti entsha, kwaye uhlawule ezo ntlawulo ngokudlulisela imali kwi-akhawunti yakho endala.
Umbono opheleleyo: Hlaziya yonke unyaka weentengiselwano kwiakhawunti yakho endala. Ingxelo yenyanga yokugqibela ayaneleyo-iinyanga ezintathu zincinci. Unokwenza kuphela iintlawulo ezithile ngonyaka okanye ngekota, kwaye ezo zikhokelela ekubeni ziintlawulo ezibalulekileyo (i-insum yomshuwalense womshuwalense, umzekelo). Ezinye iintlawulo zingabonakali, njengee-PayPal iifom ephuma kwi- akhawunti yakho yokukhangela ngokuthengwa kweBay rhoqo.
Yenza uluhlu lwazo zonke iindleko zakho, kwaye uzihlolisise ngabanye ngabanye njengoko wenza amalungiselelo okutshintsha kwi-akhawunti yakho yasebhanki entsha.
3. Ukulungiswa kwakhona kweNgeniso yakho
Ukuba udibanisa ngqo kwi-akhawunti yakho endala, cela umqeshi wakho ukuba atshintshe iintlawulo kwi-akhawunti entsha . Ngokuqinisekileyo, kufuneka ulungise ixesha lokutshintsha nangaliphi iindleko eziza kuphuma kwi-akhawunti yakho endala. Kwakhona, zilungele ukudlulisela imali phakathi kwe-akhawunti yakho endala kunye neentsha (mhlawumbi ngokubhala isheke okanye ukwenza ukutshintshwa kwekhompyutha) eziliqela ngaphambi kokuba ufeze.
Zonke ngaxeshanye? Unokuzama ukuchitha ixesha yonke into ngokugqibeleleyo kwaye wenze utshintsho olupheleleyo kunye olupheleleyo ngomhla othile. Kodwa kulula ukulibala izinto, kunye ne-glitches ikwazi ukuphosa isikhombi nakwizicwangciso ezilungeleleneyo.
Xa ufuna ukutshintsha: Khangela emva komlando wakho wokuthengiselana uze ufumane umhla oya kukunika ixesha elininzi lokuhamba. Umzekelo, ukuba awunakho ukuthengiselana ngokuzenzekelayo phakathi kwe-2 kunye ne-12 kwinyanga nganye, tshintsha yonke into kwi-2 ukwenzela ukuba ngababoneleli benkonzo yakho (inkampani yombane, i-mortgage, i-inshurensi, njl.) Kunye nomqeshi wakho unethuba lokuhlaziya lakho ulwazi lweakhawunti.
Ukulibazisa: Kungathatha ixesha elithile lokuhlawula okanye iindleko zokuhlawula ukuba iintlawulo zitshintshwe kwi-akhawunti entsha yebhanki. Buza umqeshi wakho kuthatha ixesha elingakanani, kwaye ulungise izinto ngokufanelekileyo.
Qiniseka ukuqwalasela yonke imithombo yakho yengeniso, kuquka:
- Uncedo lweNtlalo
- Imali ye Pension kunye nengeniso
- Imali yokufumana imali kunye neentlawulo ezichanekileyo
4. Lindela iimpazamo
Kukhona ithuba elihle lokuba umntu-mhlawumbi nawe-uza kwenza iphutha xa utshintshe ibhanki.
Gcina ibhakethi ezimbalwa kwi-akhawunti yakho yakudala ukunciphisa umonakalo. Ukuba kuthatha inyanga eyongezelelweyo ukuba ibhajethi yakho yekhompyutha ihambe phambili, kungcono ukuhlawula kwi-akhawunti endala kunokuba ulahlekelwe intlawulo okanye uhlawule ngokukhawuleza. Ukuhlawulwa kwexesha-mali kwiingxowa-mboleko kunokukhokelela kwiintlawulo zentlawulo ( kubhankini yakho kunye nabanikezeli benkonzo) kwaye zichaphazele nakwiimpawu zakho zemali-mboleko .
5. Gcina i-Akhawunti yakho ye-Old Old (Ngexesha elithile)
Musa ukuvala i-akhawunti yakho endala ngokukhawuleza. Kungathatha ixesha elide kunokuba ulindele ukuhlaziya idipozithi ngqo kunye nemiyalelo yokukhokha ngokuzenzekelayo. Lindela ubuncinane inyanga okanye ezimbini ukuba uqiniseke ukuba wonke umntu usebenzisa i-akhawunti yakho entsha ye-akhawunti. Ukuba utshintshe ibhanki ngenxa yemirhumo, mhlawumbi ufuna ukuvala i-akhawunti yakho. Nangona kunjalo, ukuba uguqula ezinye izizathu (ukuhamba kwendawo, umzekelo), ukhuselekile kakhulu ukushiya i-akhawunti yakho endala ivula ixesha elide.
Ukulinganisela i-checkbook yakho ngexesha lokugqibela ukuqinisekisa ukuba akukho zitshengiselo ezivelele okanye ukungahlawulwanga iintlawulo zekhompyutha kwi-akhawunti yakho endala.
6. Ekugqibeleni, Vala iAkhawunti endala!
Vala i-akhawunti yakho xa uqinisekile ukuba awuyidingi. Xhumana nebhanki uze ubuze indlela yokuvala i-akhawunti ngokulungileyo. Kwiimeko ezininzi, unokuthumela nje ileta (nantsi itekisi yesalathisi ukuvala ii-akhawunti ukuba uyayidinga), kodwa ii-akhawunti ezidibeneyo zinokuba neemfuneko ezongezelelweyo.
Thatha imali: Phindula nayiphi na imali eseleyo. Unokwenza oku ngentlawulo (ukuba ixabiso elincinci) okanye ngokucela iteksi yesikhokhethi. Ukuzibhalela isheke sakho akukhuselekile kuba ungeke ukwazi ukuqhuba isheke phambi kokuba ibhanki yakho ivale i-akhawunti. Ngayiphi indlela, yenze igosa. Nika ibhanki imiyalelo esemthethweni ukuze bayeke ukuhlawula umdla, ukuvelisa iingxelo, kunye neerhafu zokuhlawula, kwaye ubatshele ukuba bangathumela phi na imali eseleyo.