Uphi futhi kanjani ukufaka imali ekhadini?

Labo abangakwazi ukufaka imali ekhadini uma kunesidingo, bayothola ngenjabulo ukuthi kunezindlela eziningana zokwenza lokhu. Owokuqala ukuvakashela egatsheni lebhange (noma kunalokho, irejistri yalo yemali), okwesibini - ukusebenzisa i-ATM ekhethekile (i-ATM) noma ukuphela, okwesithathu - ukudluliselwa kwezimali kusuka ku-akhawunti kuya kwi-akhawunti.

Ukugcwaliswa kabusha kwe-akhawunti nge-cash desk yezinkinga ngeke kuphakame: iwindi - i-cashier - imali - irisidi - isignesha. Kodwa uma unemizila yabantu abangu-5-7, ungaxhumana nomphathi weklayenti noma umphathi wehholo (uma kunjalo, ama unit avamile anikezwa). Uzokutshela indlela yokubeka imali ekhadini ngokushesha, okungukuthi, ukusebenzisa i-ATM ekhethekile (ngendlela, kuthiwa i-deposit accounts).

Ake sibheke indlela yokufaka imali ekhadini lebhange lokulondoloza nge-ATM ngokuningiliziwe. Kungani Sber? Ngoba unomunye wamanethiwekhi a-ATM amaningi kakhulu. Ngaphezu kwalokho, inqubo yokubhekana nama-ATM kwamanye amabhange ayifani kakhulu.

Ngakho-ke, ngemva kokulinda isikhathi sakho, kufanele usondele ku-ATM, faka ikhadi bese ufaka ikhodi ye-PIN. Okulandelayo, khetha into yemenyu "Ukwamukelwa Kwezimali" bese ufaka imali ku-niche ekhethekile (ngemuva kwesimemo esifanayo esibukweni). Ngaphakathi kwe-ATM, izikweletu zizobalulwa, futhi inani labo lizoboniswa. Uma konke kulungile, cindezela ukhiye "Okulandelayo" bese uthola isheke ezandleni zakho. Kuyinto isiqiniseko sokusebenza okuphelele. Ngakho-ke, gcina okungenani kuze kube mzuzu lapho izimali zibizwa nge-akhawunti yekhadi.

Ngaphandle kwalokho, ungasebenzisa ukugcina ukubuyisela kabusha. Kuthatha isikhathi esincane, kodwa kuyodala inani le-n-th lemali, elikhokhwa ngesimo sekhomishana: 1-3% yemali ekhokhelwa. Qinisekisa ukwazi inombolo yekhadi - amadijithi angu-16 aphrintiwe ngaphambili. Ungakhohlwa: ngokusho kwemibandela yomthetho wasekhaya, inani lokubuyiswa okunye ngokuphela kwesiguli angeke lidlule ama-ruble ayizinkulungwane ezingu-15.

Ngingayithola kuphi ukuthi ngingafaka kanjani imali ekhadini ngokudlulisela imali kusuka ku-akhawunti eyodwa kuya kwenye? Kungenzeka kusuka kumphathi owakhipha ipulasitiki, noma kusigaba esithi "Usizo" kwiwebhusayithi yesistimu yasebhange ye-intanethi yebhange lakho. Ngokusobala, okungenani amakhadi amabili adingekayo ukuze athumele imali. I-akhawunti yekhadi yeyokuqala iyoba umthombo wokuthola izimali, futhi i-akhawunti yesibili yekhadi izoba yikho. Khumbula ukuthi amanye amabhange aseRussia ukuze avimbele ukukhwabanisa enze imisebenzi enjalo kuphela uma iphasiwedi yesikhathi esisodwa isungulwa. Ngokuvamile uhlu lwamaphasiwedi anjalo lungathathwa ku-ATM.

Manje uyazi kahle indlela yokufaka imali ekhadini. Njengoba kubonakala, izindlela ezimbili ezingenhla azidingi ukuba khona komnikazi wayo ebhange, okuyinto elula kakhulu.

Kodwa uma ungaqapheli ukuthi ungayifaka kanjani imali efonini ngekhadi le-Savings Bank ngokushesha futhi ngaphandle kwezinkinga, kuzomele udane nehhovisi eliseduze nawe. Ungakhathazeki: ngaso sonke isikhathi lapho ufika lapha ukuphonsa imali efonini, akudingeki. Phakathi nalokhu kuqala (futhi, ngokuqinisekile, okuwukuphela) ukuvakashelwa, kufanele usebenze isevisi yokukhokha ngezimoto. Into elula kakhulu. Okungenani ngoba ukuthola imali kwi-akhawunti yeselula kuzokwenziwa kanye ngenyanga, noma ngokusekelwe ngokulingana ngqo. Bese uzibonele, njengoba uzoba lula kakhulu.