I-EUR ukuya kwi-pln: i-akhawunti yebhanki yakho

Ungayidlulisela imali kwi-EUR ukuya kwi-ERN kungekuphela nje xa utyelela ibhanki, kodwa nakwiakhawunti ye-Intanethi. Eli nqaku linika iibhanki ezi-5 ezithandekayo zabaxumi. Amaziko emali adwelisiweyo anabasebenzi abathetha isiNgesi nabathetha isiRashiya, i-akhawunti ye-elektroniki, iKomishini Ezantsi kunye nenkqubo efanelekileyo yokuguqula. Khetha ibhanki yakho ukuze uvule i-akhawunti yebhanki yakho!

Eyona i-akhawunti yebhanki ye-EUR kwi-EUR kwi-pln yodluliselo

Bobabini abahlali bendawo kunye nabangaphandle bangaphandle banokuvula i-akhawunti yebhanki yakho ePoland. Kule yokugqibela, ubuncinci bephakheji yamaxwebhu iyadingeka (ukuba sithetha ngeakhawunti yakho, hayi ishishini). Uya kufuna incwadana yokundwendwela yelinye ilizwe, i-pesel (i-tin), engayimfuneko kwimigaqo, kwaye unokubuza malunga nendawo yomsebenzi. Kuya kufuneka ubonise inombolo yefowuni yePolilili, eyakufuneka ukhuphele isicelo se-Intanethi (sokwenza iintlawulo kwi-Intanethi).

EPoland, kukho iintlobo ezininzi zamakhadi ebhanki akhutshwe ukongeza kwiakhawunti yebhanki. Ikhadi linga-odolwa ukuba lifumane umvuzo (ukuba usebenza ePoland), ukufundisa (ukuba ungumfundi), uthenge (ukuba uyithengile (ukuba uyayifumana uthanda ukuthenga phesheya). Uhlobo ngalunye lwekhadi luneempawu zalo kunye nezibonelelo.

Iikhrayitheriya zokukhetha ibhanki ukuvula iakhawunti

I-Bhanki iliziko lezemali lezona zinto ziphambili ziphakamisa kwaye zibeka imali, kunye nokwenza indawo yokuhlala. Ukusuka kwimbono yezoqoqosho, ibhanki isebenza njengabameli kwimarike yemali phakathi kwabo banemali yasimahla kunye nabo bafuna izixhobo ezongezelelweyo.

Iindidi zeenkonzo zebhanki

• ukusebenza kwediphozithi. Bamele idiphozithi yomthengi apho inzala ifunyenwe;
• imisebenzi yamatyala. Babandakanya ukukhutshwa kwemali mboleko kubathengi kunye nokufumana umvuzo yiBhanki;
• imisebenzi yokuhlala.

Ngaphambi kokuvula iakhawunti, kufuneka uthathe isigqibo kwiBhanki. Eli linqanaba elibalulekileyo apho umgangatho ongaphezulu wenkonzo kunye nobungakanani beKhomishini buxhomekeke. EPoland, iibhanki ziyimfihlo kwaye zikwangurhulumente. Ezi zinto zilandelayo zinefuthe ekukhetheni iziko lezemali:

• Ukufikeleleka (I-Bhanki kufuneka inike iphakheji epheleleyo yeenkonzo zabantu bamanye amazwe).
• Ukuthembeka (iminyaka emininzi iziko sele likwintengiso, elingcono: Oku kusebenza njengesiQinisekiso esongezelelweyo ngokuchasene nokungabhalwa).
• Iimeko zokwenene zenkonzo (Elona ntle Ukuba iBhanki inezicelo zeselula kunye nebhanki ye-Intanethi).

Ubukho bendawo yokugqibela luyinto ebalulekileyo. Umthengi usenokuba ifumaneka ngaphandle kweRiphabhlikhi yasePoland, kwaye ke ubukho be-wallet ye-elektroniki iya kuba yindlela ebalaseleyo yokuphuma kwimeko xa kufuneka udluliselwe ngokukhawuleza kwiKhomishini ephantsi.

Uluhlu lwezona bhanki zePoland

Iibhanki ezininzi zinikezelwe ukuvula i-akhawunti yebhanki yebhanki ye-OPRE, kodwa i-5 ephezulu kufuneka ikhethwe. Apha ngezantsi uluhlu lwamaziko emali anomdla kakhulu kubathengi:

1. Mililenium

Ibhanki eyaziwayo enewaka lewaka labathengi kunye nenye yeemeko ezinomtsalane. Wasekwa ngo-1989, i-Bhanki inamasebe amaninzi, ii-ATM kunye nenkqubo ebanzi yesebe.

Iimpawu ezahlukileyo:

• Elinye lawona manqanaba aphantsi.
• Imirhumo yeakhawunti ephantsi.
• Isicelo sokusebenza ngokugqibeleleyo.

Inqaku elikhethekileyo sisixhobo esikhohlakeleyo, abasebenzi abathetha isiRashiya. Abathengi banikezelwa kwezona meko zintle zokugcwaliswa kwakhona, ukurhoxiswa kwemali, kunye nokudluliselwa. Yeyona bhanki ifanelekileyo kubantu basemzini kwaye ibonelela ngeendlela ezipheleleyo zeenkonzo.

Ukwenza ugqithiselo kwii-Euros kwi-Polish Zlovey, kufuneka usebenzise ibhanki ye-Intanethi, okanye utyelele isebe. Ukuba ukudluliselwa kwenziwe ngesicelo, kufuneka ungene. Kwiakhawunti yakho yakho kukho i-ringunger Priptur Prepnar apho unokutshintsha khona imali yemali oyifunayo.

Ngokuphathelele iintsilelo, akuqhelanga. I-caveat kuphela kukuba iibhanki kunye namasebe zikwizixeko ezikhulu neziphakathi. Kumanyano unokufumana isebe kuphela.

2. Pekao

Enye yezona bhanki zinempembelelo kwaye zithembeke kwiRiphabhlikhi yasePoland. Iziko lasekwa ngo-1929, eliyifumene idume kakhulu kunye nokwamkelwa okukhulu, kunye nenani elikhulu labathengi abaqhelekileyo.

Iimpawu ezahlukileyo:

• Yeyona bhanki yesibini enkulu ePoland.
• Kukho inkqubo ekude yenkqubo yePUKOO 24.
• Amaxesha okukhawulezileyo ama-Akhawunti kunye neefizi zeakhawunti eziphantsi.

I-Bhanki inenkqubo eyaphuhliswe kakuhle yamasebe nee-ATM. Akukho zimpazamo zinqabileyo, ngaphandle kokuba ukungabikho kweeofisi ezimele kwiidolophu ezincinci.

3. I-PKO POFOP Polsky

Iziko linembali yeminyaka elikhulu kwaye yenye yabameli abayi-100 abaphambili bamashishini amakhulu ehlabathini. Inkampani inamasebe ayi-1,300 I-ATM ingafumaneka kulo lonke ilizwe, kubandakanya needolophu ezincinci.

Iimpawu ezahlukileyo:

• Uluhlu olubanzi lweenkonzo zezezimali.
• Udluliselo olukhawulezileyo kulo naliphi na imali.
• Ukusetyenziswa kwefowuni ngeelwimi ezininzi.

Ukwenza ugqithiselo kwi-EUR kwi-EUR ukuya kwi-PLN, kufuneka utyelele isebe, okanye ungene kwiakhawunti yakho (sebenzisa i-Intanethi).

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

Ngokungalunganga, intlawulo ye-akhawunti yenye yezona ziphezulu. I-Bhanki ibonelela ngeendlela ezinye iibhanki ezingenakuqhayisa, umzekelo, ukukwazi ukurhoxisa imali kwi-Cash inethiwekhi ye-ABC Zabka. I-Bhanki ibonelela abathengi bayo kunye neemeko zenkonzo ekhululekile, umzekelo, amandla okususa imali kuyo nayiphi na i-ATM. Kodwa ikhomishini yokuhambisa i-akhawunti kunye nekhadi kufanelekile.

4. I-Alior Bank

I-Bhanki yakhutshwa ngo-2008, oko kukuthi, yibhanki esemncinci ekhula ngokukhawuleza. I-Bhanki ifumene ukuthandwa phakathi kwabathengi ngenxa yenkonzo elula kunye neekhomishini eziphantsi.

Iimpawu ezahlukileyo:

• Intlawulo yenkonzo ephantsi yekhadi (kuphela pln 5).
• Kuyenzeka ukuba ugcine ikhadi mahala (xa uhlawula iimpahla kunye neenkonzo kwinani le-ZL okanye ngaphezulu).
• Kukho ngenyameko ibhanki ye-Intanethi.

Ngokungalunganga, iimeko zeBhanki ziyenzeka ubuncinci be-pll i-1,500 yeerisithi kwiakhawunti, ukuze inkonzo ikhululekile. Ukuthelekisa: I-PUKAO ifuna kuphela i-PLN 500 + kwingeniso yenyanga yeakhawunti ye-akhawunti isebenza simahla. Kwakhona, iBhanki yeAlior inikezela ngesiNgesi kuphela nepolish kwi-e-wallet. Akukho ulwimi lwaseRussia. Ngayiphi na imeko, ibhanki ifanele ingqalelo yakho. Iziphakamiso zakhe zemali zemali zigubungela iziphoso ezincinci.

5. I-Santander Bank

I-bhanki yesibini yesibini ePoland emva kwe-Pko nePokao. Inenkqubo yamasebe egqwesileyo yamasebe, ii-ATM ezininzi. Kuyenzeka ukuba urhoxise imali kuyo nayiphi na i-ATM ePoland.

Iimpawu ezahlukileyo:

• Imirhumo yeakhawunti ephantsi.
• Ukusebenza ngokugqibeleleyo isicelo sefowuni.
• Yonke ibhanki enephakheji epheleleyo yeenkonzo isemthonjeni!

I-Santander ibonelela nge-app engakhiyo ebalaseleyo. Sebenzisa ibhanki kwi-Intanethi, ungatshintsha imali, yenza ugqithiso kwelona nqanaba linomtsalane, iodolo eyongezelelweyo yeemveliso kunye neenkonzo. I-Bhanki ibonelela ngoluhlu olukhulu lweenkonzo ezikhoyo kwisicelo sefowuni. Kukho umgca oshushu. Kukho abaqhubi abathetha isiNgesi.

Zeziphi iintlobo zothuli ezinokusetyenziswa

Iya kuba yinto emnandi yokuba ukutshintshelwa ePoland kukhululekile. Bobabini ngaphakathi kwebhanki enye, kwaye liqabane lakhe (oko kukuthi, ukuhanjiswa phakathi kweebhanki ezahlukeneyo). Oku kunokwenzeka ngenxa yenkqubo yokuguqulela i-Elixir ye-Elixir ye-Elixir, esebenza kulo lonke ilizwe. Ingqondo yayo kuphela kukuba igama lokuthathela ingqalelo imali ziintsuku ezingama-2-3.

Kukho iindlela ezininzi zokuguqulela kwiselula ye-APP, kwaye enye yazo i-Elizir Express. Imali ifakelwe kwangoko, kodwa iKhomishini iyakufuneka (ngokomndilili - i-5-7 zeztys, kodwa oku kuxhomekeke kumgaqo-nkqubo webhanki ethile).

Ngokubhekisele kwikhomishini yokudlulisela i-euro kwi-Zloty, iKhomishini iya kubalwa ngokwenkqubo eyahlukileyo kunokuba idluliselwe kwi-Zloty. Ngayiphi na imeko, kwi-e-wallet, umthumeli, xa ungena kwimali kwii-euro, ubona ukuba kuya kuba njani kwi-ZTYS.

Ukuba ufuna ukudlulisela ezinye iimali, kunokuba lusizi ukuqwalasela enye inkonzo yomrhumo we-intanethi efana nokudluliselwa okanye ukuguqulwa.

Iimpawu zokuguqula

Iindleko zokuguqulwa zebhanki ziphezulu kakhulu. Udluliselo kwiimali ezahlukeneyo azinancedo kakhulu, kuba umxhasi uhlawula iKhomishini yeGossion. Yiloo nto ke kwaye iibhanki ezininzi kwaye ezininzi zikwazisa amakhadi amaninzi, anokunciphisa iindleko zeKhomishini kunye nokuguqulwa. Yonke idatha ibonakala kwiakhawunti yakho yobuqu. Oku kukuvumela ukuba ubeke esweni inqanaba lotshintshiselwano kwaye ukhethe eyona ndlela yokudlulisela (i-Elixir Express ikwalawula ikhomishini).

Isishwankathela phezulu

Ukuvula i-akhawunti yebhanki yakho ePoland kumphambukeli kulula. Ubuncinci bephakheji yamaxwebhu iya kucelwa ukuba ihlawule izinto ezisesikweni. Ingcali iya kubonelela ngeendlela ezininzi kwiakhawunti. Nceda uqaphele ukuba iKhomishini eyahlukileyo ihlawuliswa ngohlobo ngalunye lwenkonzo, ethi, nangona kunjalo, linokugxothwa ukuba iimeko ezininzi ziyafezekiswa. Umphathi uyakucebisa olona khetho lubalaseleyo ngokukodwa kumthengi ngamnye.

Udluliselo kwi-Euros kwi-pish Simahla i-pish inemishini eyongezelelweyo. Inokufihlakala (ichazwe ngokwemigaqo kunye neemeko zesivumelwano somsebenzisi). Ukuba usebenzisa ikhadi lemali ezininzi, unganciphisa iindleko zokuguqula imali. Nceda uqaphele ukuba uguqulo lwenziwa ngenqanaba lebhanki ekhethiweyo apho umthengi akhonzwa khona. Le ikwayinto ebalulekileyo xa ukhetha ibhanki - ireyithi yotshintshiselwano.

Iingcali zincomela iiakhawunti zokuvula ezinamaziko emali abonelela ngebhanki kwi-Intanethi. Oku kuyakuvumela ukuba ubeke iliso kuguquko kwinqanaba lotshintshiselwano, jonga zonke iikhomishini ezihlawuliswayo zokudluliselwa kunye nokuguqulwa, kunye nokwenza ixesha elifanelekileyo. Kwakhona, inzuzo eyongezelelweyo bubukho bolwimi lwaseRussia kwinkqubo kunye nabaqhubi abathetha isiRashiya ukuba banxibelelane.

Imibuzo Ebuzwa Rhoqo

Yintoni eyenza i-akhawunti yebhanki yobuqu yokulawula i-EUR kwi-pln eguqulweyo kunye nokuthengiselana?

I-akhawunti yebhanki ye-EUR ye-EUR kwi-EUR kwintengiselwano ye-EUR kufuneka ibonise amaxabiso okutshakazi, iifizi zokuguqula eziphantsi, kunye neempawu zomsebenzisi ezisebenziseka lula. Izibonelelo ezongeziweyo njengokurhoxisa ngefizi kwi-ATM kwiimali kunye nenkxaso yabathengi ngeelwimi ezininzi zinokuba yingenelo.