I-EUR kuya ku-PLN: I-Akhawunti yeBank Business yasePoland engcono kakhulu

Izikhungo zezezimali zeRiphabhulikhi yasePoland zinikeza ithuba lokuvula i-akhawunti yasebhange engcono kakhulu yebhizinisi nokusetshenziswa kwangasese ku-EUR, PLN, USD. Kunokuhlukahluka okunikezwayo ngezindlela ezihlukile ze-akhawunti. Kunenkinga, uhlelo lokudlulisela. Uhlu lwamabhange anokwethenjelwa kakhulu luhlanganisa: Eng śląski, Santander, Pekao, Isikweletu se-Agricole, IMillenium. Isikhathi eside isikhungo sezimali besikhona emakethe, kukhuphuka izinga lokuthembela. Khetha abalingani bebhizinisi abathembekile!

I-akhawunti yasebhange engcono kakhulu yebhizinisi: uhlu lwamabhange, izindlela zokukhetha

Ibhange yisikhungo sezimali esidonsela imali yamahhala, sinikezela ngezinsizakalo zokubolekisa futhi ziqhuba imisebenzi enama-banknotes kanye nokuphepha. IBhange lisebenza njengomlamuli wezezimali nowesikweletu phakathi kwalabo abanemali yamahhala nalabo abadinga le mali.

Namuhla kunokukhethwa okukhulu kwamabhange, kepha ukuze ukhethe amabhange amahle kakhulu wasePoland, udinga ukutadisha ama-nuances amaningi.

Ukuvula i-akhawunti yasebhange ePoland kunikezwa kuwo womabili amabhizinisi nabantu. IRiphabhulikhi yasePoland inikezela ngenani elikhulu lamabhange lapho ungavula khona i-akhawunti ngemibandela emuhle kakhulu. Isikhungo ngasinye sezimali sinamaphakheji amaningana okunikezwayo, phakathi kokunikezwa okungcono kakhulu kutholakala kwabafokazi abasebenza ezweni kanye nezinkampani ngazinye.

Izindlela ezinconywayo ukuthi zilandelwe lapho zikhetha ibhange

Ukunquma esikhungweni sezimali esinikeza i-akhawunti yasebhange engcono kakhulu yebhizinisi noma umuntu ngamunye kungaba nzima ngezinye izikhathi. Ubuningi bokukhethwa bukwenza ube nesisindo esihle ubuhle nezinzuzo, ukuze ungabi yiphutha nenhlangano. Ochwepheshe bancoma ukunaka kulezi zinkomba ezilandelayo:

• iminyaka yebhange;
• ingqalasizinda efakiwe;
• abanikazi.

Asebekhulile, okungcono. Ubudala obuqinile buqinisekisa ukuthembeka nokuzethemba esikhathini esizayo. Amabhange amancane athathwa amakhasimende ngokungabaza, ngoba asikho isiqinisekiso sokuphepha kokuthengiselana. Isikhungo esidala, mancane amathuba okuthi siyinto edonswayo noma ngenkohliso.

Iphuzu lesibili elibalulekile ukuhlukaniswa kwengqalasizinda. Ochwepheshe basho ngokungasho lutho ukuthi ama-ATM namagatsha, abe ngcono. Okokuqala, kulula, futhi okwesibili, kuyisiqinisekiso sobukhona bebhange, hhayi ephepheni kuphela, lapho kuboniswa khona ikheli lezomthetho. Kunconywa futhi ukuthi unake amathuba okuphinda ugcwalise i-akhawunti nge-ATM.

The last point affecting the choice of institution is the abanikazi. 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.

Ukukhomba kwesilinganiso njengenkomba ebalulekile yokukhetha ibhange

Ibhange elaziwayo alinasithakazelo kunoma ngubani. Abasebenzisi bafuna isikhungo sithandwa, ukuba nezicelo, ukubhenka online, ukugqugquzela amaphakheji okunikezwayo, njll. Futhi uma umuntu evuma ukuba yiklayenti lokulungiswa kwe-akhawunti ephansi yanyanga zonke, khona-ke le nkomba ayanele ngebhizinisi. Ukwethembeka kuyindlela esemqoka yokukhetha ibhange ukubambisana isikhathi eside. Ngezansi uhlu lwamabhange abhekwa njengonokwethenjelwa kakhulu nokwezezimali:

• Pekao;
  
• ISaTher;
  
• Ing bank ślski;
  
• Millenium;
  
• I-PKO Bank;
  
• Paribas;
  
• Isikweletu se-Agricole;
  
• I-Alior Bank;
  
• Mbank;
  
• I-Idea Bank;
  
• URaiffeisen.
  

Phakathi kokuchichima kwezikhungo zezezimali, lezi zinhlangano zithole ukwethenjwa kwawo womabili amabhizinisi nabasebenzisi abazimele. Amabhange anikeza ithuba lokuvula i-akhawunti yabahlali bendawo kanye nabezinye izizwe abasebenza phesheya. Futhi, izakhamizi zakwamanye amazwe ezihamba ezitolo noma zokuqhuba ibhizinisi endaweni yeRiphabhulikhi yasePoland zingavula i-akhawunti.

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

Ungavula i-akhawunti ebhange lasePoland kwi-National Curren Currency (Zloty), ama-Dollars, ama-Euro noma enye iyunithi lemali. Izinhlobo ezithandwa kakhulu zezimali yi-zloty ne-euro. Abasebenzisi abazimele abakhokha ngekhadi ezitolo bakhetha i-akhawunti e-PLN. Okufanayo kuhamba izakhamizi ezisebenza phesheya. Lapho uthola iholo lakho kwi-National Polish Currency, ungakhokhela ngokushesha izimpahla nezinsizakalo ngaphandle kokuguqukela kusizo lwabahwebi.

Uma sikhuluma ngama-akhawunti asebhange amahle kakhulu (kuma-euro) avela kwabezinye izizwe, khona-ke izinzuzo ezisemqoka zifaka:

• Imikhawulo ephezulu yokuhoxisa.
• Ayikho ikhomishini yokugcina i-akhawunti.
• Ukutholakala kwebhange le-Intanethi, izinhlelo zokudlulisela kanye nokushukumisayo.
• Amandla okuba namakhadi amaningana axhumeke kwi-akhawunti eyodwa.

I-EUR eshibhe kakhulu yokushintshaniswa kwe-PLN ngaphandle kwezimali ezifihliwe

Bewazi ukuthi ungavula kalula i-akhawunti yemali eningi ongabamba kuyo izimali eziningi, njenge-EUR ne-PLN phakathi kwezinye, bese uguqula i-EUR yakho ibe yi-PLN noma i-PLN yakho ibe yi-EUR nganoma isiphi isikhathi ngokuchofoza okumbalwa futhi okunye okuphansi kakhulu emhlabeni imali?

Ukubhaliswa kwamahhala

Ukukhuluma ngemikhawulo, amabhange amancane akhawulelwe kuma-euro angama-2 000 ngosuku (wokuhoxisa / ukudluliselwa). Izikhungo ezinkulu zezezimali zinezinga eliphakeme lomkhawulo - cishe ama-5,000 ama-Euro ngosuku. Ukungabikho kweKhomishini Yokugcina i-akhawunti kuyisimo esihle somsebenzisi wangasese. Ukuvimbela ibhange ukuthi lishayele ikhomishini, udinga ukwenza ukuthengiselana kwemali ngenani elithile (noma usebenzise inani le-N-Th esitolo esitolo).

Lesi simo sobabili siyi-plus kanye ne-minus. Iqiniso ukuthi amabhange amaningi akhombisa isitolo esithile noma esitolo lapho udinga ukuthenga khona izimpahla ngenani elithile. Isibonelo, ama-300 zl ngenyanga eBiedronka. Lesi simo asisebenzi eLidl, auchan, uCarrefour, Aldi nezinye izitolo ezinkulu.

Ngebhizinisi: Lapho inhloko-dolobha ise-PLN

Njengoba izibalo zibonisa, izinhlangano eziningi ezinkulu zebhizinisi zikhetha ukuvula ama-akhawunti kuma-euro, kuyilapho izinkampani ezincane ngazinye zikhetha ama-akhawunti emalini kazwelonke - zloty.

• Ukusebenziseka lula ukwenza ukuthengiselana kwezezimali ezweni kunikezwa.
• Asikho isidingo sokuguqula imali.
• Imali iza ngokushesha.
• Azikho izimali zokushintshana kwezimali.
• Ukuqina kwezezimali kuyaqinisekiswa.

I-akhawunti ye-PLN ilungele amabhizinisi aqala phansi. Ukuqhuba ukuthengiselana kwezezimali, awudingi ukushintshanisa imali engaguqulwa kabili (kuya ngezwe elitholayo). Uma ibhizinisi, ikakhulukazi izinkampani ngazinye, lithuthuka ngokuqinile futhi alihleli ukungena emakethe yamazwe omhlaba, khona-ke i-akhawunti ye-zloty isinqumo esinengqondo ngokwezomnotho.

Ngokuqondene nobubi, i-akhawunti ye-PLN ilungele ukuqhuba ukuthengiselana kwemali ngaphakathi ezweni. Ikhomishini ephansi noma ukungabikho kwayo okuphelele, imigomo esheshayo yokufakazelwa kanye nekhono lokufaka imali kuma-akhawunti ambalwa ngasikhathi sinye. Kepha batholakala kuphela endaweni yeRiphabhulikhi. Uma usomabhizinisi efisa ukuthola okuhlangenwe nakho kwamanye amazwe, kunconywa ukuvula i-akhawunti ngamadola noma ama-euro.

Kancane ngama-nuances

Lapho uvula i-akhawunti, kufanele kubhekwe ukubhekelwa kumakhomishini. Usayizi wayo uzobe uhlukile kwabanikazi beDollar neKonto eZlotys. Amanye amabhange, isib Santonder, anikele ngomsebenzi wokuqala ngaphandle kweKhomishini. Ngaphezu kwalokho, ikhomishini icishe ibe yi-6 ZL ngenyanga. I-Bank Pekao inikeza isilinganiso esiphansi - cishe i-5 ZL.

Ukunakwa kufanele kukhokhwe kuleso sici esinjalo njengokuqoqwa kwemali yenkonzo kanye namakhadi namakhadi. Isibonelo kungaba yibhange le-PKO. Lesi sikhungo sezimali singakhokhisa imali yenkonzo kuwo womabili ama-akhawunti namakhadi. Lokhu kusho ukuthi ikhomishini yanyanga zonke izoba yi-14 ZL. Izinga liphezulu njengebhange lasePoland.

Ukufingqa

IRiphabhulikhi yasePoland inikela ngethuba lokuvula i-akhawunti yamabhizinisi kanye nabantu abathile e-zloty kanye nezezimali zamazwe omhlaba (amadola, ama-euro) ngemigomo ezuzisayo. Ibhange ngalinye linamaphakheji amaningana eziphakamiso, ezikuvumela ukuthi ufinyelele izilaleli eziphezulu: ngasese nakwimvelo yebhizinisi. Sinikeza okunikezwayo okukhangayo kwabantu abafisa ukuvula i-akhawunti ngamadola noma ama-euro, kanye namabhizinisi (izinkampani ngazinye) abafisa ukwenza ibhizinisi kuma-zlotys.

Ama-akhawunti amahle kakhulu nawebhizinisi anikezwa ngamabhange anjengePekao, Santander, Credit Agricole, PKO Bank, eng Bank śląski. Lezi zikhungo zezezimali zinikeza uhlelo olucatshangwe kahle lwebhonasi, ukubuyisa imali, amandla okuvula i-akhawunti ukude (ngaphandle kokuvakashela ihhovisi). Izinhlobo ezahlukahlukene ze-Akhawunti zikuvumela ukuthi ukhethe inketho efanelekile kunazo zonke kuwo wonke umuntu - womuntu ngamunye kanye nenkampani yebhizinisi.

Imibuzo Ebuzwa Njalo

Yiziphi izici okufanele ngabe ubani Abanini bebhizinisi basePoland babheke kwi-akhawunti yasebhange ukuze uthole ukuthengiselana kwe-EUR?

Abanikazi bebhizinisi lasePoland kufanele babheke ama-akhawunti anikeza imali yokuguqula ephansi, amanani amnandi wokushintshana, kanye nokuthengiselana kwamazwe angenamthungo. Izici ezingeziwe ezinjenge-Online Banking, ukusekelwa kwezimali eziningi, kanye nensizakalo yamakhasimende esebenza kahle nazo zibalulekile ukuze zisingathelwe i-EUR ku-PLN ukuthengiselana kahle.