Ungabhala isheke, kodwa kunokukho iindlela ezingcono
Bhala u Hlola
Inketho elula, enokuthi ibe khona kuwe ngoku (ngaphandle kokuvula ii-akhawunti ezintsha okanye ukujongana namaphasiwedi), ukuzibhalela isheke.
Ungayifaka ikhonkco kwenye i-akhawunti, okanye yenza imali nje.
Ukuze ubhale isheke, uzalise nje ngenye isheke, uze ufake igama lakho kumgca othi "Bhatala umyalelo" (okanye ufana). Ungenza kwakhona itekethi ehlawulwa kwi "Cash," kodwa leyo yingozi: isheke esenziwe kwiCash ingahlawulwa okanye ifakwe ngumntu onayo, ngoko ukukhangela okulahlekileyo okanye kubiwe kungabangela iingxaki.
Ukuhambisa imali phakathi kweebhanki , (ukuba utshintshe ibhanki okanye ukongeza imali kwi-akhawunti yasebhanki ye-intanethi, umzekelo) zibhale isheke uze ubeke imali kwi-akhawunti yakho. Nangona kunjalo, qaphela ukuba kunokuba kube lula - mhlawumbi ngokukhawuleza - iindlela zokuhambisa imali ngekhompyutha.
Ukufaka isheke, vumela umva ngokuwusayinela (wongeza umdawulo "Ukwazisa kuphela"). Kukho iindlela ezininzi zokwenza idiphozithi:
- Ngokuthatha umfanekiso wesheke ngentsimbi yakho yesicelo kunye neebhanki yakho
- Ngokufaka isheke kwi-ATM
- Ngokuthatha isheke kwibhanki yakho kumntu (okanye ukuthumela kuyo )
Inkqubo efanayo iyasebenza ukuba uzama ukuhambisa imali phakathi kwee-akhawunti kwibhanki elifanayo (nangona unako ukukwazi ukufeza ukudluliselwa kwi-intanethi okanye kunye nefowuni kwibhanki yakho). Umzekelo, unokufuna ukuzihlawula ngokuhambisa imali kwi-akhawunti ye-akhawunti kwiakhawunti yakho.
Amagama kulawo ma-akhawunti ahluke, ngoko ke ukutshintshela ngokuzenzekelayo akunako ukukhetha.
Ukuba ufumana imali, vumela isheke emva kokuba ulungele ukukhangela isheke kwibhanki yakho okanye umanyano wekhredithi. Ukuze wenze njalo, tyikitya igama lakho ngasemva, kwaye unikezele ukuchonga kumtshi. Ngokuqinisekileyo uya kukwazi ukuhlawula ikhekheni kwibhankini yakho, nangona ukhangele iindawo zokugcina imali, izitolo zokutya kunye nezinye iibhanki zingabonwa.
Gcina ukhumbule ukuba ungeke ukwazi ukuhlawula isheke malunga nemali epheleleyo owawubhala yona. Amabhanki anciphisa ukuba lufumaneka phi ngokukhawuleza, kwaye intsalela iya kufumaneka ukuhoxiswa kwiintsuku eziliqela. Nangona kunjalo, ukuba uhlawula isheke lakho kwibhanki elifanayo isheke likhupha imali, kufuneka ikwazi ukubonelela ngemali epheleleyo ngemali.
Izindlela ezilula zokufumana imali
Ukucinga nje ukuba ufuna ukuchitha imali - kwaye awuhambisi imali kwi-akhawunti entsha - mhlawumbi ungasadingeki ukuzibhalela isheke. Kukho iindlela ezimbalwa ezinokuthi zibe lula, kwaye oko akuyi kufuna ukuba usebenzise enye yokuhlola:
- Phindela imali kwi-ATM usebenzisa ikhadi lakho lokubambisa
- Ukurhoxisa imali kunye nomthengisi ophilayo (amalungu enyunyana yamatyala angakwazi ukutyelela enye imanyano yekhredithi kunye nokuhoxiswa ngaphandle kwemali).
- Ukuhlawula nayiphi na into oyithengayo ngekhadi yebhanki (okanye bhetele kunjalo, ikhadi lekhredithi olihlawulayo nganye inyanga kuba amakhadi enkokhelo aneempawu zokukhusela abathengi abangcono)
Kwixesha elidlulileyo, kwakuqhelekile ukuba abantu bazibhale ngokwabo ukuhlola ukufumana imali. Kwihlabathi lekhompyutheni, loo mkhuba iyaba yinto engavamile - kodwa ngamanye amaxesha isona sikhethwa lula.
Ezinye iindlela zokuhambisa imali yakho
Ukuhambisa imali kwi-akhawunti enye yebhanki ukuya kwenye akudingeki ukuba kube nzima. Ukuzibhalela isheke kukuthi uza kufuneka ulinde isheke ukuze ufike kwibhankini yakho, kwaye uya kufuneka ulinde iintsuku zoshishino iintsuku zokucima ngaphambi kokuba uchithe nayiphi na imali. Izixhobo ezininzi zekhompyutha ziyenza inkqubo ibe lula (kwaye ikhawuleza).
I-ACH idluliselwa: Indlela elula kakhulu yokutshintshwa kwebhanki , apho imali yakho ihamba ngekhompyutheni ukusuka kwenye i-akhawunti ukuya kwenye.
Ukusebenzisa olu khetho, enye yeebhanki yakho idinga ukunikezela ngenkonzo yokudlulisa ibhanki ( iibhanki kwi-intanethi ngokuqhelekileyo ikuvumela ukuba udibanise ii-akhawunti ezininzi- esinye esinye isizathu sokusebenzisa i-akhawunti yebhanki ye-intanethi - kodwa iibhanki zetena nezitye ziyakwazi ukunikela le nxalenye kakuhle). IiNgxowa zihamba ngokubanzi kwiNethwekhi yeComputer Clearing House (ACH) , ngokuqhelekileyo mahhala.
Iinkonzo ze-intanethi kunye neenkonzo: Iinkonzo zenkampani yesithathu nazo zinokwenza umsebenzi ukuba ibhanki yakho inganikezeli ngenkonzo yokudlulisa okanye ukhetha ama -app-friendly apps . Ezi zixhobo zinika enye indlela yokufikelela kwimali kwi-akhawunti yakho yasebhanki yebhanki. Impendulo kukuba kungathatha ixesha kunye nomzamo wokuseka iakhawunti kunye neenkonzo (kunye nokuqinisekiswa kokuqala okanye ukuqinisekiswa kokukhusela ngokuqhelekileyo kuthatha iintsuku ezimbalwa zoshishino). Ngaphezu koko, kunokuba nemida malunga nokuba unako ukuhamba njani nawuphi na umthengi - iintlawulo ezincinci zilula, kodwa ukutshintshwa okukhulu kunokuthatha amanyathelo athile.
Umzekelo, usenokuba sele unayo i-akhawunti ye-PayPal edibene ne-akhawunti yokujonga. Ngokusebenzisa idilesi eyahlukileyo ye-imeyile, unokwenza i-akhawunti eyongezelelweyo ye-PayPal edibene ne- akhawunti yebhanki eyahlukileyo . Emva koko, ungathumela imali kuwe kwaye uyifumane kwiakhawunti enye.
Ezinye iinkonzo ezithandwayo ezinikezela ngokukhawuleza okanye eziphantsi kweendleko ziquka:
- I-Popmoney inikezelwa ngamabhanki, kwaye unokwenza i-akhawunti eyongezelelweyo kwiibhanki ezingabandakanyeki kwinethiwekhi yasePopmoney.
- Imali yeCash Square isebenzisa ikhadi lakho lokubambisa ukuthumela imali kwikharityhulam eyahlukeneyo-ikhadi lakho okanye lomnye umntu. Ngempumelelo, uhambisa imali kwi-akhawunti enye yokujonga.
- UVenmo unikeza ukuhanjiswa kwamahhala kwintsebenziswano (engekho shishini).
Iimali ezikhoyo
Ukubhalwa isheke kuwe kungayindlela efanelekileyo yokuhambisa imali ngokukhuselekileyo: akukho mfuneko yokuhamba ngekheshi okanye ukuhlawula imali yokudlulisela iifowuni ukufumana imali kwenye ibhanki. Nangona kunjalo, akuyona indlela yokwenza imali. Xa ubhala isheke, kufuneka uqiniseke ukuba kuya kuba nemali ekhoyo kwi-akhawunti xa isheke sifakwe. Ibhanki efumanayo ingamkela isheke elibi kwaye idibanise imali kwiakhawunti yakho, kodwa ekugqibeleni, isheke liya kuhlawula. Xa oko kwenzeka , kuya kufuneka uhlawule iimali, ibhanki yakho inokuvala i-akhawunti yakho, kwaye usenokufumana ingxaki yomthetho.
Ukuvala iAkhawunti?
Yenze igosa: Ukuba ubhala isheke ukuvala i-akhawunti yebhanki engafunekiyo, kuya kufuneka wenze okungakumbi ngaphandle kokukhupha i-akhawunti. Buza ibhanki yakho ukuvalela i-akhawunti ukuze ingahlali evulekile ngonaphakade ( ungathumela ileta okanye mhlawumbi wenze isicelo se-intanethi).
Ukuba ugcina i-akhawunti engenalutho, unako ukufumana ukungahambi kakuhle kunye neefowuni ze-balance balance ye-akhawunti ongayifuni nantoni na.