I-EUR ukuya kwi-PLN: I-akhawunti ye-Polish ye-Polish ye-Polish

Amaziko emali kwiRiphabhlikhi yePoland anika ithuba lokuvula i-akhawunti yebhanki efanelekileyo yeshishini kunye nokusetyenziswa kwabucala kwi-EUR, i-PLN, iUSD. Kukho iintlobo ngeentlobo zezinto ezinikezelweyo ngeendlela ezahlukeneyo zeakhawunti. Kukho imali ebuyayo, inkqubo yokuthumela. Uluhlu lwezona bhanki zinokuthenjwa zibandakanya: Ngeląski, Santander, Pekao, Aciole, I-Acciole, iMillenium. Ixesha elide kwiziko lezemali libe semarikeni, iphezulu inqanaba lokuthengisa. Khetha amaqabane orhwebo amthembileyo!

Eyona akhawunti ilungileyo yebhanki yeshishini: Uluhlu lweebhanki, iikhrayitheriya zokukhetha

I-Bhanki liziko lezemali elitsalela imali yasimahla, linika iinkonzo zokubolekisa kwaye liqhuba imisebenzi nge-Banknotes kunye nezokhuseleko. I-Bhanki isebenza njengemali yezezimali kunye nezamabala kwityala phakathi kwabo banemali yasimahla kunye nabo bayifunayo le mali.

Namhlanje kukho ukukhetha okukhulu kweebhanki, kodwa ukwenzela ukukhetha ezona bhanki zepolish, kufuneka ufunde iminqweno emininzi.

Ukuvula i-akhawunti yebhanki ePoland kunikezelwa kumashishini amabini kunye nabantu. IRiphabhlikhi yePoland ibonelela ngenani elikhulu leebhanki apho unokuvula i-akhawunti ngeyona mibandela ifanelekileyo. Iziko ngalinye lezezimali lineephakeji ezininzi zokubonelela, phakathi kwazo ezona zibonelelo zibalaseleyo zifumaneka bobabini kubaphambukeli abasebenza elizweni kunye neenkampani ezizodwa.

Iikhrayitheriya ezicetyiswayo ukuba zilandelwe xa ukhetha ibhanki

Ukuthatha isigqibo malunga neziko lezemali elinikezela nge-akhawunti yebhanki efanelekileyo yeshishini okanye umntu kunokuba nzima ngamanye amaxesha. Ubuninzi bokhetho bukwenza ubunzima kwaye bube nexabiso, ukuze bangaphazamisi nombutho. Iingcali zicebisa ukuba ziqwalaselwe kwezi zikhombisi zilandelayo:

• iminyaka yeBhanki;
• izakhiwo ezilungisiweyo;
• abanini.

I-Bhanki, engcono. Iminyaka yobudala eqinileyo iqinisekisa ukuthembeka kunye nokuzithemba kwikamva. Iibhanki ezincinci zibonwa ngabathengi, kuba akukho siqinisekiso sokhuseleko lwentengiselwano. Ukukhula kweziko, kunokwenzeka ukuba kunqabile ukuba ungabizelwanga okanye uqhawulwe.

Inqaku lesibini elibalulekileyo kukulinganisa kweziseko zophuhliso. Iingcali ngokucacileyo zithi ngakumbi ii-ATM kunye namasebe, ngcono. Okokuqala, kufanelekile, kwaye okwesibini, sisiqinisekiso sobukho bebhanki, kwaye kungekuphela kwiPhepha kuphela, apho iboniswe kwidilesi yomthetho. Kuyacetyiswa ukuba unikele ingqalelo kwi-akhawunti ephindaphindiweyo ye-ACTM.

The last point affecting the choice of institution is the abanini. Official papers must indicate specific names, bank license, year of issue. Today, it is common for banks to unite and create collaborations to survive in a highly competitive environment, but if the owner is a large international organization, then the credibility of the institution increases many times over. A big name ensures a steady stream of new customers.

Ixabiso lokuthembeka njengesalathiso esibalulekileyo sokukhetha ibhanki

Ibhanki eyaziwayo ayikho nzala nakubani na. Abasebenzisi bafuna ukuba iziko likhululwe, ukuba nezicelo, ibhanki e-intanethi, iiphakheji ezishukumisayo zokubonelela ngemali ngenyanga, ke esi salathisi sanele kwishishini. Ukuthembeka Ngaba ikhrayitheriya ephambili yokukhetha ibhanki yentsebenziswano yexesha elide. Apha ngezantsi luluhlu lweebhanki ezithathwa njengeyona inokuthakaneka inomdla kwaye iyimali:

• I-PELAO;
  
• Isanti;
  
• Ibhanki yebhanki śląski;
  
• Millenium;
  
• I-pkobobhanki;
  
• Paribas;
  
• Ciricole curicole;
  
• I-Alior Bange;
  
• Mbank;
  
• I-In Bank;
  
• I-Riffeisen.
  

Phakathi kobuninzi bamaziko emali, le mibutho ifumene ukuthembana kwa amashishini omabini nabasebenzisi babucala. Iibhanki zibonelela ngamathuba okuvula iakhawunti kubahlali bendawo kunye nabaphambukeli abasebenza phesheya. Kwakhona, abemi belinye ilizwe abaya kuthenga okanye beqhuba ishishini kwiRiphabhlikhi yasePoland banokuvula i-akhawunti.

I-Euro vs. Zloty: Kuyiphi imali ukuvula i-akhawunti?

Unokuvula iakhawunti kwi-Polish Bank kwi-Guilty yemali (Zloty), iidola, ii-euro okanye enye iyunithi yemali. Ezona ntlobo zidumileyo zemali ye-Zloty kunye ne-Euro. Abasebenzisi babucala abahlawula ngekhadi kwiivenkile zithanda iakhawunti kwi-PLN. Okufanayo kwabemi abasebenza phesheya. Xa ufumana umvuzo wakho kwi-therish ye-Polish ye-Polish, unokuhlawula ngokukhawuleza iimpahla kunye neenkonzo ngaphandle kokuguqula uncedo lwabatshintshi.

Ukuba sithetha ngeyona akhawunti ilungileyo yebhanki (kwii-euro) kubaphambukeli, emva koko izibonelelo eziphambili zibandakanya:

• Imida ephezulu yokurhoxa.
• Akukho thumi lokugcina iakhawunti.
• Ukufumaneka kweebhanki ze-Intanethi, iinkqubo zokudluliselwa kunye nezikhuthazayo.
• Amandla okuba amakhadi amaninzi adityaniswe kwiakhawunti enye.

Ixabiso eliphantsi le-EUR ukuya kutshintsho lwe-PLN ngaphandle kweNtlawulo efihliweyo

Ngaba uyazi ukuba unokuvula ngokulula iakhawunti yemali eninzi apho unokubamba iimali ezininzi, ezinje nge-EUR kunye ne-PLN phakathi kwabanye, kwaye uguqule i-EUR yakho ibe yi-PLN okanye i-PLN yakho iye kwi-EUR nanini na ngokucofa nje ezimbalwa kwaye ezinye zezona ziphantsi emhlabeni iifizi?

Ubhaliso lwasimahla

Ukuthetha ngemida, iibhanki ezincinci zinqunyelwe kwi-Euro ezingama-2 000 ngosuku (zokurhoxiswa / ukudluliselwa). Amaziko amakhulu emali anenqanaba eliphezulu lomda-malunga ne-5,000 ye-5,000 ye-5,000 ngosuku. Ukungabikho kweKhomishini yokugcina i-akhawunti yinto entle yomsebenzisi wabucala. Ukuthintela iBhanki ekutshayiseni ikhomishini, kufuneka wenze intengiselwano yemali yexabiso elithile (okanye uchithe i-N-th kwivenkile enkulu).

Le meko yomibini i-dibanisa kunye ne-gothi. Inyani yile yokuba iibhanki ezininzi zibonisa ivenkile ethile okanye ivenkile enkulu apho ufuna ukuthenga iimpahla ngenani elithile. Umzekelo, i-300 zl ye-ZL ngenyanga eBiedronka. Le meko ayisebenzi kwi-lidl, i-Auchan, i-carrefour, aldi kunye nezinye iivenkile ezinkulu.

Kwishishini: Xa imali eyintloko ikwi-pln

Njengoko iiNkcukacha-manani zibonisa, imibutho emininzi emikhulu yeshishini ikhetha ukuvula iiakhawunti kwii-Euro, ngelixa iinkampani ezincinci ezincinci zithanda iiakhawunti kwimali yelizwe-Zloty.

• Ukulungela ukuqhuba iintengiselwano zemali ngaphakathi kweli lizwe.
• Akukho sidingo sokuguqula imali.
• Imali iza ngokukhawuleza.
• Akukho ntlawulo yokutshintshiselana ngengxowa mali.
• Uzinzo lwezezimali luqinisekisiwe.

Iakhawunti ye-PLN ilungele amashishini akhula okwethutyana. Ukuqhuba ukuthengiselana kwezemali, akudingi ukutshintshiselane ngemali enokuthi iguqulwe kabini (kuxhomekeke kwinqanaba lomamkeli). Ukuba ishishini, ngakumbi iinkampani ezizodwa, zikhule ngokuthe chu kwaye azicwangcisi ukufaka imakethi yezizwe ngezizwe, emva koko i-akhawunti ye-Zloty sisigqibo sengqibelelo yezoqoqosho.

Ngokungalunganga, i-akhawunti ye-PLN ilungile ekuqhubeni ukuthengiselana kwemali kweli lizwe. IKomishini Yezantsi okanye ukungabikho ngokupheleleyo, imigaqo ekhawulezayo yokuthenga ngetyala kunye nesakhono sokufaka imali kwiiakhawunti ezininzi ngaxeshanye zizinto ezibalulekileyo. Kodwa bafumaneka kuphela kwintsimi yeRiphabhlikhi. Ukuba usomashishini unqwenela ukufumana amava aphesheya, kuyacetyiswa ukuvula i-akhawunti kwiidola okanye ii-euro.

Kancinci malunga ne-nues

Xa kuvulwa iakhawunti, ingqalelo kufuneka ihlawulwe kwiiKomishini. Ubungakanani bayo buya kwahluka kubanini bedola kunye noKonto kwi-Zloveys. Ezinye iibhanki, umz. I-SAntandander, inikezela ngenkonzo yonyaka wokuqala ngaphandle kothumo. Ngapha koko, iKhomishini imalunga ne-6 zl ngenyanga. I-Pekao yeBhanki ibonelela ngexabiso eliphantsi-malunga ne-5 zl.

Ingqwalaselo kufuneka ihlawulwe kwinto enjalo njengengqokelela yemali yenkonzo kunye namakhadi. Umzekelo uza kuba yibhanki ye-pko. Eli ziko lezemali linokuhlawulisa umrhumo wenkonzo kuzo zombini iiakhawunti kunye namakhadi. Oku kuthetha ukuba ikhomishini yenyanga iya kuba yi-14 zl. Ireyithi iphezulu njengebhanki yePolish.

Isishwankathela phezulu

IRiphabhlikhi yePoland ibonelela ngamathuba okuvula i-akhawunti yamashishini kunye nabantu abathile kwi-Zloty kunye neZindlu ze-Zloty kunye neZindlu, i-Euros) kwezona meko zinenzuzo. Ibhanki nganye ineephakheji ezininzi zeziphakamiso, ezivumela ukuba ufikelele kubaphulaphuli abaphezulu: kokubini ngasese nakwisicaka yeshishini. Sinikezela ngoncedo olunomtsalane kubantu abanqwenela ukuvula i-akhawunti kwiidola okanye kwii-euros, kunye namashishini (kunye namashishini (kunye neenkampani ezizodwa) onqwenela ukwenza ishishini kwi-Zlosts.

Eyona akhawunti ilungileyo kunye neshishini ibonelelwe ziibhanki ezinjenge-Pokao, i-SAntander, i-Acircole, iBhanki yePko, yeBhanki, eBhanki śląsk. La maziko emali anika inkqubo yebhonasi engacingi kakuhle, imali ebuyayo, amandla okuvula i-akhawunti ngokude (ngaphandle kokundwendwela iOfisi). Iintlobo ngeentlobo zeentlobo zeakhawunti zikuvumela ukuba ukhethe ezona zinto zikhethiweyo kuwo wonke umntu - zombini umntu ngamnye kunye nenkampani yeshishini.

Imibuzo Ebuzwa Rhoqo

Zeziphi iimpawu ezifanele ukuba zakhiwe abanini beshishini bajonga kwiakhawunti yebhanki ye-EUR kwi-ERN Transekshini?

Abanini bamashishini basePoland kufuneka bajonge ii-akhawunti ezibonelela ngeemali eziphantsi, amaqondo otshintshiselwano olufanelekileyo, kunye nentengiselwano yamanye amazwe. Iimpawu ezongeziweyo ezinjengebhanki yebhanki kwi-Intanethi, inkxaso yemali emininzi, kunye nenkonzo efanelekileyo yabathengi zibalulekile ekuphatheni i-EUR kwitransekshini esebenzayo.