Indlela yokuguqula uEur kwi-pln: ubulumko vs vsvorut

I-EUR ukuya kwi-pln: ubulumko vs vypolut

Kukho iindlela ezahlukeneyo zokuguqula i-Euro (i-EUR) ukuya kwiPoland Zloty (PLN). Amanye amaqonga ahlala ephepheni ekwakuvumela ukuba ukwenze oku ngamaqonga obulumko ne-revolut. Ezi ziinkonzo ezimbini zaseBritane ezibonelela ngeendlela ezahlukeneyo zeenkonzo zezezimali. Zombini ziinkokheli ezibonakalayo kwicandelo labo. Ubulumko buya kuthelekiswa novukelo. Masithelekise ukungafani kwabo, ubungakanani bezakhiwo, kunye namanye amandla kunye nobuthathaka.

Incinci malunga neenkampani ezilumkileyo nezokugqibela

Ekuqaleni, ukulumka kunye nenguqu kubonakala ngathi kunika iinkonzo ezifanayo. Nangona kunjalo, zenzelwe iinjongo ezahlukeneyo.

WISE

The Bubulumko service is focused on providing cheap international money transfers. The platform positions itself as a fast, simple and modern way of translations for advanced people. Although the company has expanded its range of services over time, most people still use it exclusively for interbank payments in different currencies.

Indawo ikwavumela ukuba uguqule imali, ufumane intlawulo kwaye wenze ukuthenga kwiivenkile ezikwi-intanethi. Bobabini abantu kunye nemibutho esemthethweni inokwenza iakhawunti.

I-algorithm yokusebenza kunye nenkonzo ilula. Ukuze wenze ukuba kudluliselwe, umzekelo, ubulumko obulumkileyo pn kwi-EUR DRERT, kuya kufuneka ugqithise imali kwikhadi lakho kwiakhawunti yobulumko. Emva koko inkonzo itshintshiselana imali kwi-avareji kwireyithi yentengiso kwaye inxibelelanisa nodluliselo oluya kwicala elalele. Emva koko, imali iya kwiakhawunti yomamkeli.

Inkampani yasungulwa ngo-2011 kwaye ibizwa ngokuba kukugqitha. Ikomkhulu ikwi-UK. Iqonga linombala wokuba ngomnye wabanikezeli be-ross-rocros off-ross-bross-womda.

TransferWise (Bubulumko) initially focused on people working overseas. The company's goal was to make sure that people could save on commissions and receive salaries in a currency other than the currency of the country in which they live.

Revolut

Vuko is a whole internet bank. A well-thought-out system with a wide range of financial services: from currency conversion and money transfers to investments, insurance and financial planning. The service offers a range of services for both individuals and businesses. According to the owners, they aim to create the world's first truly global financial super-enterprise.

Vuko was originally designed for travelers and international businesses. The main strength of the service is its multi-currency card, which allows you to quickly and super cheaply exchange currency either in the application or when withdrawing currency from an ATM.

Inkampani yasekwa ngo-2015. I-ofisi eyintloko ikwi-london.

Let's compare Bubulumko and Vuko according to several criteria.

1. Iimpawu zenkonzo zokuguqula kunye nokuguqulela

Getting these services from Bubulumko is somewhat easier. Let's figure it out:

WISE

There are about 60 currencies available in the Bubulumko service. Conversion and translation services require registration.

You can make a transfer in the application or directly on the website. The second option is easier. The site will offer you fields for entering the amount and choosing currencies. The service will immediately calculate the size of the commission, as well as indicate to what date the money will come and how much you will save in comparison with banks. The transfer can be made from your regular card, from a bank account or from a Bubulumko account.

Vuko

Vuko allows you to convert and send over 30 currencies. Registration is required for currency exchange and money transfer.

Kukho iindlela ezininzi zokuguqula i-EUR ukuya kwi-ERN, kunye nokuthumela imali kwenye iakhawunti:

• Kwindawo;
• kwisicelo (enye yeyona ndlela ilula);
• at an ATM using a Vuko card.

As mentioned above, the Vuko card is one of the company's strongest points. It is multicurrency, and therefore allows you to immediately transfer money from one currency to another with a lower commission.

2. Ukuqalisa nokuvula iakhawunti yakho

Asinguye wonke umntu onokuqalisa ukusebenza kweziza:

Ukufumaneka kweLizwe

Bubulumko services are available in over 60 countries. Including in Poland and Russia - citizens of these countries can freely open a Bubulumko account. But not everyone can order a Bubulumko card. It is available only to citizens of the EEA countries (including Poland), Great Britain, Switzerland, Australia, New Zealand, Singapore, Japan and the United States.

Abemi kuphela kwamazwe amaninzi aseYurophu, eOstreliya, eCanada, iSingapore, eSwitzerland, eJapan nase-USA banokuvula i-akhawunti nge-akhawunti nge-vovolut. Kuphela ngabahlali bamazwe adwelisiweyo banokufumana ikhadi le-resolut. Inkonzo ayifumaneki eRussia.

Ukuvula i-akhawunti simahla.

Ukuqala komsebenzi

Ukwenza iakhawunti ngobulumko, kufuneka nje ufake iposi yakho. Indawo ikwabonelela ngokukhuphela isicelo okanye irejista nge-Facebook, i-akhawunti kaGoogle kunye ne-Apple ID. Amagqabantshintshi afumaneka ngesiRashiya, isiNgesi, iPoland kunye nezinye iilwimi. Ilizwe kunye nolwimi zinokukhethwa kwimenyu esezantsi.

Iqonga le-Recelout linika ukhetho ezimbini: Nokuba uskena ikhowudi ye-QR kwaye ufumane ikhonkco kwisicelo sesixhobo esisezifowuni, okanye ubhalise kwiwebhusayithi ngokubonelela ngenombolo yefowuni yakho. Akukho sinxibelelanisi ngesiRashiya - sisiNgesi kuphela, sepolish kunye nezinye iilwimi. Ilizwe kunye nolwimi zinokukhethwa kwimenyu esezantsi.

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

Ukuvula i-akhawunti simahla. However, when registering, you will be prompted to choose one of several types of accounts:

• Umgangatho (umgangatho). Simahla. Inenombolo yokusebenza esebenzayo, kodwa ikuvumela ukuba ugqithise imali phesheya.
• Dibanisa (dibanisa). Indleko yi- £ 2.99 ngenyanga.
• Ipremiyamu. Ixabiso le- £ 6.99 ngenyanga.
• I-Metallic (intsimbi). Ifumaneka nge- £ 12.99 ngenyanga.

Ukuza kuthi ga ngoku, unokwenza i-akhawunti idluliselwe kwiakhawunti yasimahla yasimahla. Nangona kunjalo, inkampani inokutshintsha amagama ngalo naliphi na ixesha.

3. Ixabiso lokutshintsha kunye nemirhumo

Kwaye apha ubulumko bujonga kancinci kwaye bube nengeniso ngakumbi:

Bubulumko

One of the main advantages of Bubulumko is low commissions, average for the market. No additional service markup. Currency exchange rates are charged here from 0.24% to 3.69%. The percentage depends on the type of transfer. There are three of them:

• Inguqulelo elula. Dlulisa ngentlawulo kwi-intanethi kwiakhawunti yakho kunye nenye ibhanki. Ukuba uguqula i-1000 ye-Euro kwi-Zlots, iKhomishini iya kuba yi-6.28 euros.
• Translation at a reduced price. Available when transferring from a Bubulumko account. For the transferred 1000 euros, converted into zlotys, the service will take only 5.09 euros for itself.
• Khawuleza. Ikuvumela ukuba wenze i-Debection Sprimed kwiDebit okanye kwikhadi letyala. Xa udlulisa i-1000 Euro kwi-PLN, uya kuhlawuliswa ikhomishini ye-9.15 ye-Euro.

Zonke iintlawulo zincinci kwaye zibonakale ngokupheleleyo. Nangona kunjalo, imali ekufuneka uyihlawule ixhomekeke kwilizwe lakho kunye neemali. Ngethamsanqa, le ndawo inebala elilula eliza kukuvumela ukuba ufumanise ukuba yimalini ekufuneka uyihlawulele inguqulelo yakho.

Vuko

From Monday to Friday, Vuko, like Bubulumko, charges a mid-market commission at no extra charge.

Nangona kunjalo, ngeempelaveki, inkonzo isebenzisa umda we-0.5-1.5% kuzo zonke iimali. Kubandakanya i-Euro kunye nePoland Zloty.

Ukongeza, ukuhambisa imali ngemali kwi-Eurozone, le ndawo ihlawula i-0.5% kuyo nayiphi na isixa esingaphezulu kwe-5,000 ngenyanga. Nangona kunjalo, lonke ugqithiselo olungaphantsi kwesi sixa siya kukhululeka. Ukudluliselwa ngaphandle kwe-Eurozone (yaza), imirhumo yokudluliselwa kweBhanki yamanye amazwe inokufaka isicelo. Ayihlawulwanga yinkonzo ngokwayo, kodwa ngabameli.

Ke kuyacetyiswa ukujonga inqanaba lokutshintshiselana ngemali kwi-app ngaphambi kokuba benze naluphi na udluliselo.

4. Iindlela zokuthumela imali

Apha iimeko ziyalingana:

Bubulumko

With Wise, you can send money either from your bank account or from a multi-currency account in the Bubulumko service itself.

Kwimeko yokuqala, ukusetyenziswa kwekhadi letyala / letyala, ukudluliselwa kwebhanki okanye ukukhawuleza kuyafumaneka.

Ukufumana imali kunokuthatha kwimizuzu embalwa ukuya kwiintsuku ezininzi.

Vuko

Vuko allows you to send money to another Vuko user as well as to any bank account.

Kwimeko yokuqala, unokutshintshela ngokukhawuleza kwimali ngqo kwisicelo. Kwanele ukubonisa inombolo yefowuni yomamkeli. Utshintshelo luya kwenziwa ngephanyazo.

Kwimeko yesibini, kuyimfuneko ukubonisa iinkcukacha zomamkeli (amasimi ahambelanayo aya kufundiswa kwisicelo senkonzo). Isantya sokufumana imali sixhomekeke kwibhanki ethile. Bahlala befika emini. Ngamaxesha athile, ixesha elininzi linokuba neentsuku ezininzi.

Iinguqulelo zikhawulezayo ngokuvukelwa kunezilumko. Nangona kunjalo, ubulumko buxhasa iimali ezingaphezulu xa kuziwa kugqithiselo lwamanye amazwe. I-Polish Zloty ixhasa zombini iinkqubo.

Ukushwankathela: Iimpembelelo kunye

Imbonakalo iphumelele ngamanqaku amaninzi. Kuyakhawuleza ukubhalisa apha, kulula ukwenza uguqulelo kwaye akukho meko injalo inxaxhile. Makhe siyibekele ngaphezulu:

I-Prosfres kunye neChat yesilumko

• ifumaneka eRussia (kwaye kumanye amazwe angama-50 ehlabathi);
• iikomishini zemakethi ezingenamsebenzi ongezelelweyo wenkonzo;
• Ifom efanelekileyo yokuguqulelwa kwiwebhusayithi;
• Iimeko ezibonakala zikaSuper.

• Ukusebenza okuncinci (i-akhawunti yemali yemali kuphela kunye nodluliselo).

I-Pros kunye ne-Vuko

• ububanzi kwaye busebenza ngakumbi;
• iikomishini zemakethi ezingenamsebenzi ongezelelweyo wenkonzo;
• Ukuphinda kwenziwe kwakhona kwikhadi lebhanki.

• Ayifumaneki eRussia nakwamanye amazwe amaninzi ngaphandle kweYurophu;
• ukusebenza okulinganiselweyo nesicwangciso samaxabiso asimahla;
• Ikhomishini eyongezelelweyo ngeempelaveki;
• Ikhomishini eyongezelelweyo yokudluliselwa kweentsuku ezingama-5 000 ngenyanga;

Yintoni onokuyikhetha kwi-EUR ukuya kwi-PLN:

Ukuba uceba ukwenza inguqulelo yexesha elinye, kungcono ukujonga ngokusondeleyo kwisilumko. Ngokwesiqhelo, ukusebenzisa eli qonga lixabiso eliphantsi ukuba udlulisela imali kwenye iakhawunti okanye komnye umntu. Ngakumbi ukuba umamkeli ngaphandle kweYurophu.

Ukuba ungumnini weshishini, hamba kakhulu kwaye kwixesha elizayo ufuna ezinye iinkonzo zebhanki ezinxulumene nebhanki, sicebisa ukuba unikele ingqalelo kwi-provelut. Ngakumbi kwiKhadi leMithombo yeZininzi.

Imibuzo Ebuzwa Rhoqo

Zeziphi izinto eziphambili zokuthelekisa xa ukhetha phakathi kobulumko nemvukelo ye-EUR ukuya kwi-PLN?

Xa kuthelekiswa nobulumko kunye nenguqulelo ye-EUR ukuya kwi-EUR ukuya kwi-PLN, cinga ngezinto ezifana nexabiso lokutshintshiselana, iintlawulo zentengiselwano, isantya sokusetyenziswa, kunye nokuchithwa kweenkonzo ezininzi kunye nokuchithwa kweenkonzo ezininzi kunye nokuchithwa kweenkonzo ezininzi.