Nhasi kutengeserana kwakafambira mberi zvakanyanya zvekuti zvishoma nezvishoma mari iri kupa nzira itsva, yakachengeteka nzira yekubhadhara: kadhi kubhadhara. Rectangular muchimiro uye nemucheka wakafanana nepurasitiki, makadhi acho akanaka kwazvo kutakura uye haatore nzvimbo yakawanda semabhangi, ndoda mari.
Pamusoro pezvo, yega yega inosanganisirwa nenhamba yeakaundi, inova iko kwatinonyatsove nemari. Asi, Ndeipi nhamba account yekadhi rekubhengi? Iripi kadhi nhamba? Tichagadzirisa mibvunzo miviri pazasi:
Chii chinonzi kiredhiti kadhi?
Kunyangwe makadhi ese achiratidzika kunge akafanana chaizvo, unogona kukumbira kiredhiti uye / kana kiredhiti kadhi kubhangi. Ngatione kuti misiyano ndeipi:
- Kadhi-kadhi: iwe unogona kubhadhara kunyangwe iwe usina mari muaccount yako, nekudaro uchiwana kiredhiti nebhangi. Chikwereti ichi chinogona kudzoserwa pakupera kwemwedzi, neperesenti kana nekubhadhara mari yakatarwa. Uye zvakare, pamwe navo unogona kutsigira zvaunotenga.
Ehezve, usati waiwana, iro bhanga rinodzidza mamiriro edu ehupfumi kuti tione kana isu tiri solvent kana kwete. - Debit kadhi: iyo mubhadharo unobhadhariswa wakanangana neaccount, iyo inogona kuve yazvino kana bhuku rekuchengetedza. Nekudaro, ivo vangave vakaita senge rudzi rwemakadhi akabhadharwa: kana pasina mari muaccount, kadhi harigone kushandiswa.
Mune ino yakakosha isu tichazotarisa kune yekupedzisira, nekuti ndiyo iyo iyo munhu wese anogona kuve nayo sekureba sekunge aine bank account.
Ndeipi nhamba yeakaundi?
Kuziva Ndeipi nhamba yeakaundi Kadhi rako rekubhengi unofanirwa kuziva kuti pane nzira dzakasiyana dzekuwana ruzivo urwu, dzinogona kusiyana zvichienderana nenzira iyo bhangi rega rega rinotarisira ruzivo urwu. Semuenzaniso, chinhu chikuru pane izvi chingave kugona kusvika pahwindo rebhangi riri kubvunzwa uye nekuona kuti ndiwe muridzi weakaundi, uchingoda rumwe rudzi rwegwaro rinosimbisa ruzivo urwu kuti ugone kuenderera kutibatsira kuziva iyo account account iri mubvunzo.
Mune zvimwe zviitiko ruzivo urwu runowanzo kupihwa mumavocha iyo inopihwa kwatiri panguva yekuitisa ATM transaction, ichive chiri nyore kuita muyero kubvunza kuti uiwane. Zvakare rangarira kuongorora zvinyorwa zvawakapihwa iwe panguva yekuita basa rekumisikidza iyo debit account, uko ruzivo urwu ruchazoonekwa kumwe kunhu. Chekupedzisira, kuti uzive kuti nhamba yeakaundi chii, unogona kusarudza kushandisa nhamba yebasa revatengi iyo inowanzo kuve nekambani yemabhangi yemhando iyi yenyaya.
Iripi kadhi nhamba?
Kadhi nhamba inowanikwa, pamusoro pemagwaro avakatipa patakaiwana, kumashure. Iyi nhamba haina kusarudzika, asi imwe neimwe ine zvayakanangana. Nekudaro, isu tinofanirwa ku:
- Yekutanga kadhi nhamba: Inoenderana nenhamba yekupa iyo kambani kana yezvemari institution munyika. Nezvikonzero zvekuchengetedza, iwo akazara masosi evanopa uye nyika zvakavanzika, kunyangwe iwo makuru ekutanga masosi eayo ese emakadhi anozivikanwa. Semuyenzaniso:
- VISA makadhi anotanga na4; kana vari VISA Electron vane nhanho dziri pakati pe4026, 4508, 4913, 4917.
- Mastercard makadhi anopihwa iwo ari pakati pe51 ne55
- Maestro makadhi atanga kuverenga nemamwe eaya akateedzana 5018, 5020, 5038, 6304, 6759, 6761, 6763.
- Dzimwe nhamba: iwo kodhi yemukati yekodhi yekubatanidza kadhi nemushandisi, rinoumbwa nenhamba iri pakati pe13 ne18 manhamba, gumi nematanhatu ari akajairika Imwe yeaya manhamba ndeye cheki manhamba, inoenderana neiyo Luhn algorithm (algebraically inorondedzera yakasara yenhamba kudzorera kukosha kweiyo cheki digit). PaVISA, Maestro uye Mastercard makadhi ari muchinzvimbo 16.
Zvakakosha kuti iwe uve akajeka iripi kadhi nhamba nekuti, kunyanya mukutenga pamhepo, ivo vanowanzoikumbira kazhinji.
Iwe unogona here kuziva iyo account nhamba yekadhi?
Iyo bank account nhamba kana iyo yehupenyu hwebhengi nhamba, inogona kuita senge nhamba senge chero imwe, asi inosanganiswa neimwe yeakaundi account dzevatengi. Kana isu tichida kuendesa, semuenzaniso, isu tinoda iyo account account, zvese zvedu neyomunhu watinoda kutumira mari kwaari.
Patinovhura account yekubhangi, chinowanzoitika ndechekuti bhangi pacharo rinotipa bhuku rekunyora paunogona kuona nhamba. Zvisinei, pane mamwe mabhengi asingape pasipoti, nekuti inoshandiswa zvishoma nezvishoma, senge ING Direct; asi zvakaenzana, zvichiri zvakakosha kuti uve nenhamba yeakaundi yebhangi.
Iyi nhamba ndiyo SWIFT kana BIC kodhi iyo inoumbwa ne:
- Kodhi yekodhi (4 manhamba): aya ndiwo manhamba ekutanga mana uye anoshandiswa kuratidza bhangi.
- Kodhi yenyika (4 manhamba): akawanikwa mune echishanu uye matanhatu manhamba Inoshandiswa kuzivisa nyika.
- Kudzora nhamba (2 manhamba): ndiyo nhamba yechinomwe uye yechisere. Inomiririra guta rebhangi.
- Nhamba yeakaunzi (8 manhamba): ndiyo nhamba inosanganisirwa nemushandisi wega wega, uye inopera nemadhijita ane chekuita nebazi rebhengi.
Nhamba yega yega zvakare ine yayo IBAN kodhi (International Bank Akaundi Nhamba), inova ndiyo inoshandiswa kuendesa. Iyi nhamba inoshumirwa kuratidza account yebhangi pasi rese, uye inoumbwa nevane mavara ekutanga uyezve iyo account account. Semuenzaniso: ES4 (ES kodhi yenyika yeSpain + kodhi yekudzora 21).
Ndeipi nhamba yeakaundi? Kuti uwane kuti tinogona kuita zvinhu zvakati wandei:
- Tarisa bhuku rekunyora kana vakatipa: iyo nyaya yese ichaonekwa pane yekutanga peji.
- Tsvaga pamhepo kubva pawebhusaiti rebhangi: kana isu tiine online account kana kana iri bhangi risingapi mabhuku, ingo nyora kodhi yekuwana uye password kuti uwane.
- Wona zvirevo zvemwedzi: kana bhangi ikatitumira zvinyorwa zvekushanda, tinogona kuzviona kumusoro.
- Enda kubhangi: Kana isu tichiri kusiri kuiwana, chinhu chakanakisa kuita kuenda kubhangi kana kuvafonera. Tichafanirwa kuvapa ID yedu kuti vakwanise kuona kuti nhamba yeakaundi iyi ndeyedu here.
Tinovimba chinyorwa ichi chakabatsira iwe uye wakakwanisa kuziva kuti nhamba yeakaundi ndeipi kana kuti iyo kadhi nhamba iri kupi.