Ungayiguqula kanjani i-EUR kuya ku-PLN: I-VS ehlakaniphile

I-EUR kuya ku-PLN: I-VS ehlakaniphile

Kunezindlela ezahlukahlukene zokudlulisa i-euro (EUR) kwi-Zloty yasePoland (PLN). Amanye amapulatifomu athandwa kakhulu e-inthanethi avumela ukuthi wenze lokhu amapulatifomu ahlakaniphile futhi avukelayo. Lezi yizinsizakalo ezimbili zaseBrithani ezinikeza izinhlobo ezahlukene zezinsizakalo zezezimali. Bobabili bangabaholi abahlonishwayo emkhakheni wabo. Ngakho-ke ukuhlakanipha okuhlakaniphile. Ake siqhathanise umehluko wabo, osayizi bekhomishini, kanye namanye amandla nobuthakathaka.

Kancane ngezinkampani ezihlakaniphile nezivukelayo

Uma uqala ukubheka nje, zombili zihlakaniphile futhi zibonakala zinikela ngezinsizakalo ezifanayo. Kodwa-ke, zenzelwe izinhloso ezihlukile.

WISE

The -Hlakaniphile 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 futhi ikuvumela ukuthi uguqule imali, uthole izinkokhelo futhi uthenge ezitolo eziku-inthanethi. Bobabili abantu nezinhlaka zezomthetho zingadala i-akhawunti.

I-algorithm yokusebenza nensizakalo ilula impela. Ukuze wenze ukudluliselwa, ngokwesibonelo i-pln ehlakaniphile ekudluliseleni i-EUR, uzodinga ukudlulisa imali ekhadini lakho kwi-akhawunti ehlakaniphile. Ngemuva kwalokho insizakalo ishintsha imali ngesilinganiso semakethe esijwayelekile bese uyixhumanisa nokudluliselwa okuya ngaphesheya. Ngemuva kwalokho, imali iya ku-akhawunti yomamukeli.

Le nkampani yethulwe ngonyaka ka-2011 futhi phambilini ibibizwa ngokuthi ngokudlulisa. Indlunkulu itholakala e-UK. Ipulatifomu inedumela lokuba ngomunye wabahlinzeki abathengisayo abasheshe futhi abashibhile.

TransferWise (-Hlakaniphile) 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

Bukela phansi 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.

Bukela phansi 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.

Le nkampani yasungulwa ngonyaka ka-2015. Ihhovisi eliyinhloko liseLondon.

Let's compare -Hlakaniphile and Bukela phansi according to several criteria.

1. Izici zokuguqulwa kanye nezinsizakalo zokuhumusha

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

WISE

There are about 60 currencies available in the -Hlakaniphile 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 -Hlakaniphile account.

Bukela phansi

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

Kunezindlela eziningana zokudlulisa i-EUR kuya ku-PLN, futhi zithumele imali kwenye i-akhawunti:

• esizeni;
• kuhlelo lokusebenza (enye yezindlela ezilula kakhulu);
• at an ATM using a Bukela phansi card.

As mentioned above, the Bukela phansi 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 i-akhawunti yomuntu siqu

Akuwona wonke umuntu ongaqala ukusebenza namasayithi:

Ukutholakala Kwezwe

-Hlakaniphile services are available in over 60 countries. Including in Poland and Russia - citizens of these countries can freely open a -Hlakaniphile account. But not everyone can order a -Hlakaniphile 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.

Izakhamizi eziningi zamazwe amaningi aseYurophu, e-Australia, eCanada, eSingapore, eSwitzerland, iJapan kanye ne-USA bangavula i-akhawunti nge-Bukela phansi. Abahlali bamazwe kuphela abathola ikhadi lokuvukela. Insizakalo ayitholakali eRussia.

Ukuvula i-akhawunti kumahhala.

Ukuqala komsebenzi

Ukwakha i-akhawunti ngokuhlakanipha, udinga nje ukufaka imeyili yakho. Indawo futhi inikezela ukulanda uhlelo lokusebenza noma irejista nge-Facebook, i-Akhawunti ye-Google ne-Apple ID. Ama-interface atholakala ngesiRussia, isiNgisi, isiPolish kanye nezinye izilimi. Izwe nolimi kungakhethwa kwimenyu engezansi.

Iplatifomu evukelayo inikeza izinketho ezimbili: noma iskena ikhodi ye-QR bese uthola isixhumanisi kuhlelo lokusebenza lwedivayisi ephathekayo, noma ubhalise kwiwebhusayithi ngokunikeza inombolo yakho yocingo. Asikho isikhombimsebenzisi esiseRussia - isiNgisi kuphela, isiPolish nezinye izilimi ezithile. Izwe nolimi nakho kungakhethwa kwimenyu engezansi.

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

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

• Ejwayelekile (standard). Mahhala. Inomkhawulo wokusebenza okuningi, kepha ikuvumela ukuthi udlulise imali phesheya.
• Futhi (plus). Izindleko yi- £ 2.99 ngenyanga.
• I-Premium. Kubiza u- £ 6.99 ngenyanga.
• Insimbi (insimbi). Kutholakala nge- £ 12.99 ngenyanga.

Kuze kube manje, ungenza imali yokudluliselwa nge-akhawunti ejwayelekile yamahhala. Kodwa-ke, inkampani ingashintsha amagama nganoma yisiphi isikhathi.

3. Ukushintshanisa Izinga nezimali

Futhi lapha ukuhlakanipha kubukeka kulula futhi kunenzuzo ezuzisa kakhulu:

-Hlakaniphile

One of the main advantages of -Hlakaniphile 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:

• Ukuhumusha okulula. Dlulisela ngokukhokha okuku-inthanethi kusuka ku-akhawunti yakho nonye ibhange. Uma uguqula ama-euro ayi-1000 kuma-zlotys, iKhomishini izoba ngu-6.28 Euro.
• Translation at a reduced price. Available when transferring from a -Hlakaniphile account. For the transferred 1000 euros, converted into zlotys, the service will take only 5.09 euros for itself.
• Ngokushesha. Ikuvumela ukuthi wenze ukudluliselwa okusheshayo kusuka kwidebithi ejwayelekile noma ikhadi lesikweletu. Lapho kudluliswa ama-euro ayi-1000 ku-PLN, uzokhokhiswa ikhomishini yama-euro ayi-9.15.

Zonke izinkokhelo zincane futhi zisobala ngokuphelele. Kodwa-ke, inani okufanele lilikhokhele lincike ezweni okulo nalo kanye nezimali. Ngenhlanhla, isiza sine-wokubala elula esizokuvumela ukuthi uthole ukuthi kufanele ukhokhe malini ngokuhumusha kwakho.

Bukela phansi

From Monday to Friday, Bukela phansi, like -Hlakaniphile, charges a mid-market commission at no extra charge.

Kodwa-ke, ngezimpelasonto, insizakalo isebenzisa umugqa we-0.5-1.5% kuzo zonke zezimali. Kufaka phakathi i-euro ne-polish zloty.

Ngaphezu kwalokho, kokudluliswa kwemali esenqamula ngemali ngaphakathi kwe-eurozone, isayithi lishayele ama-0.5% kunoma yiliphi inani elidlula ama- $ 5,000 ngenyanga. Kodwa-ke, konke ukudluliselwa ngaphansi kwale mali kuzoba mahhala. Ngokudluliselwa ngaphandle kwe-Eurozone (Sepa), imali yokudluliselwa yasebhange yamazwe omhlaba ingasebenza. Ayikhokhiswa inkonzo uqobo, kepha ngabalamuli.

Ngakho-ke kunconywa ukubheka isilinganiso sokushintshaniswa kwemali kuhlelo lokusebenza ngaphambi kokwenza noma yikuphi ukudluliselwa.

4. Izindlela Zokuthumela Imali

Lapha izimo zicishe zilingane:

-Hlakaniphile

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

Esimweni sokuqala, ukusetshenziswa kwekhadi lesikweletu / lasebhange, ukudluliswa kwebhange noma i-SWIFT iyatholakala.

Ukwemukela imali kungathatha kusuka emizuzwini embalwa kuya ezinsukwini eziningana.

Bukela phansi

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

Esimweni sokuqala, ungadlulisa masinyane imali ngokuqondile kusuka kuhlelo lokusebenza. Kwanele ukukhombisa inombolo yocingo yomemukeli. Ukudluliswa kuzokwenziwa ngokushesha.

Esimweni sesibili, kuyadingeka ukukhombisa imininingwane yomamukeli (izinkambu ezihambisanayo kuzonikezwa kuhlelo lokusebenza lwensiza). Ijubane lokuthola imali lincike ebhange elithile. Zivame ukufika phakathi nosuku. Ngesinye isikhathi, isikhathi singaba nezinsuku eziningana.

Ukuhumusha kushesha kuvukela kunokuba uhlakaniphile. Kodwa-ke, ukuhlakanipha kusekela ezinye zezimali uma kukhulunywa ngokudluliselwa kwamanye amazwe. IsiPolish Zloty sisekela womabili la masistimu.

Ukufingqa: Izinzuzo kanye ne-Cons

Ukuphumelela okuhlakaniphile kumaphuzu amaningi. Kushesha ukubhalisa lapha, kulula ukwenza ukuhumusha futhi azikho izimo ezinzima ezinjengokuvukela. Masihlelwe ngokucophelela:

Izinzuzo nokubi ezihlakaniphile

• Kutholakala eRussia (nakwamanye amazwe angama-50 + omhlaba);
• amakhemikhali emakethe maphakathi ngaphandle kokukhishwa kwensiza eyengeziwe;
• Ifomu elilula lokuhumusha kwiwebhusayithi;
• izimo ezisobala ezinhle kakhulu.

• Ukusebenza okulinganiselwe (i-akhawunti yemali yokunqamula kuphela nokudluliselwa).

Izinzuzo nokubi kwe-Revut

• ukusebenza okubanzi nokuhlukahlukene;
• amakhemikhali emakethe maphakathi ngaphandle kokukhishwa kwensiza eyengeziwe;
• Ukugcwaliswa okusheshayo kusuka ekhadini lasebhange.

• Ayitholakali eRussia nakwamanye amazwe amaningi angaphandle kweYurophu;
• ukusebenza okulinganiselwe nohlelo lwamanani wamahhala;
• ikhomishini eyengeziwe ngezimpelasonto;
• Ikhomishini eyengeziwe yokudlulisa amanani adlula ama- $ 5,000 ngenyanga;

Yini ongayikhetha i-EUR kuya ku-PLN: Ukudlulisa noma ukuvukela?

Uma uhlela ukwenza ukuhumusha kwesikhathi esisodwa, kungcono ukubhekisisa ukuhlakanipha. Imvamisa, ukusebenzisa le nkundla kushibhile uma udlulisela imali kwenye i-akhawunti noma komunye umuntu. Ikakhulu uma umemukeli engaphandle kweYurophu.

Uma ungumnikazi webhizinisi, hamba kakhulu futhi ngokuzayo udinga ezinye izinsizakalo ezihlobene nemali ezihlobene nemali, sincoma ukuthi unaka ukuvukela. Ikakhulukazi ekhadini labo le-multicurrency.

Imibuzo Ebuzwa Njalo

Yiziphi izinto ezibalulekile ukuqhathanisa lapho ukhetha phakathi kokuhlakanipha nokuvukelayo ukuze uthole ukuguqulwa kwe-EUR kuya ku-PLN?

Uma uqhathanisa ukuhlakanipha futhi okuvukelayo ngokuguqulwa kwe-EUR ekuguqukeni kwe-PLN, cabanga ngezinto ezinjengezindleko zokushintshana okunikezwayo, imali yokushintshana, ijubane lokudlulisa, ukusetshenziswa kwezinsizakalo okwengeziwe njengama-analytics.