I-EUR kuya ku-PLN: I-Akhawunti Yakho Yebhange Yakho

Ungadlulisa imali kusuka ku-EUR ukuze ungagcini kuphela lapho uvakashela ebhange, kodwa futhi kwi-akhawunti eku-inthanethi. I-athikili inikezela ngamabhange ama-5 aphezulu amaklayenti amaklayenti. Izikhungo zezezimali ezisohlwini zinabasebenzi abakhuluma isiNgisi nabakhuluma isiRussia, i-akhawunti ye-elekthronikhi, ikhomishini ephansi kanye nohlelo olulula lokuguqula. Khetha ibhange lakho ukuvula i-akhawunti engcono kakhulu yasebhange!

I-akhawunti yakho yasebhange engcono kakhulu ye-EUR ekudluliseleni kwe-PLN

Kokubili abahlali bendawo nabafokazi bangavula i-akhawunti yasebhange yomuntu siqu ePoland. Okwamuva, kudingeka iphakethe eliphansi lemibhalo (uma sikhuluma nge-akhawunti yomuntu siqu, hhayi ngebhizinisi). Uzodinga ipasipoti yakwamanye amazwe kuphela, uPesel (TIN), okungadingekile ngokomthetho, futhi ungabuza nangendawo yomsebenzi. Udinga futhi ukukhombisa inombolo yocingo yasePoland, ezodingeka ukulanda uhlelo lwe-Intanethi (lokwenza izinkokhelo online).

EPoland, kunezinhlobo eziningi zamakhadi asebhange akhishwe ngaphezu kwe-akhawunti yasebhange. Ikhadi lingayalwa ukuthi lithole iholo (uma usebenza ePoland), izifundi (uma ungumfundi), ukuthenga (uma ungumthandi wokuthenga phesheya). Uhlobo ngalunye lwekhadi lunezimpawu zalo kanye nezinzuzo.

Izindlela zokukhetha ibhange ukuvula i-akhawunti

Ibhange liyisikhungo sezimali semisebenzi yayo esekhulayo futhi ibeka imali, kanye nokwenza izindawo zokuhlala. Ngokombono wezomnotho, amabhange asebenza njengabalamuli emakethe yemali phakathi kwalabo abanemali yamahhala nalabo abadinga izinsiza ezengeziwe.

Izinhlobo zezinsizakalo zasebhange

• imisebenzi yediphozithi. Bamele idiphozi yeklayenti lapho inzalo ifakwa khona;
• ukusebenza kwesikweletu. Kubandakanya ukukhishwa kwemali mboleko kumakhasimende kanye nokutholwa kwemali engenayo yiBhange;
• imisebenzi yokuhlala.

Ngaphambi kokuvula i-akhawunti, udinga ukunquma ebhange. Lesi yisigaba esibalulekile lapho ikhwalithi esengeziwe yenkonzo nosayizi weKhomishini incike khona. EPoland, amabhange ayimfihlo futhi aphethwe nguhulumeni. Izici ezilandelayo zithonya ukukhetha kwesikhungo sezimali:

• Ukutholakala (ibhange kufanele linikeze ngephakeji eligcwele lezinsizakalo zabantu bakwamanye amazwe).
• Ukuthembela (eminyakeni engaphezulu lesi sikhungo besikhona emakethe, okungcono: Lokhu kusebenza njengesiqinisekiso esengeziwe ngokumelene nokuqothuka okungenzeka).
• Izimo zenkonzo ezintofontofo (ezikahle uma ibhange linezinhlelo zokusebenza zeselula kanye nebhange le-Intanethi).

Ukuba khona kwalesi sakamuva kuyinto ebalulekile ye-nuance. Iklayenti lingatholakala ngaphandle kweRiphabhulikhi yasePoland, bese kuba khona lapho ubukhona besikhwama se-elekthronikhi buzoba yindlela enhle yokuphuma esimweni lapho udinga ukudlulisa ngokushesha iKhomishini Encane.

Uhlu lwamabhange athandwa kakhulu ePoland

Amabhange amaningi anikela ukuvula i-akhawunti yasebhange engcono kakhulu, kepha akhetheka ama-5 aphezulu. Ngezansi uhlu lwezikhungo zezimali ezikhanga kakhulu kumakhasimende:

1. IMillenium

Ibhange elaziwayo elinesizinda samakhasimende ayizinkulungwane eziningi nenye yezimo ezikhangayo kakhulu. Yasungulwa ngo-1989, ibhange linamagatsha amaningi, ama-ATM kanye nohlelo lwegatsha olunzulu.

Izici ezihlukile:

• Elinye lamazinga wenzalo ephansi kakhulu.
• Imali ekhokhwayo ye-akhawunti ephansi.
• Ukusebenza okusebenzayo ngokuphelele.

Isici esikhethekile siyinombolo eshisayo, abasebenzi baka-Russian. Abathengi bahlinzekwa ngezimo ezinhle kakhulu zokuphindaphinda, ukuhoxiswa kwemali, kanye nokudluliselwa. Kuyibhange elifanele kwabezinye izizwe futhi lihlinzeka ngezinsizakalo ezigcwele.

Ukwenza ukudluliswa kwama-euro kuma-zlotys asePoland, udinga ukusebenzisa i-Intanethi Banking, noma uvakashele igatsha. Uma ukudluliswa kwenziwa ngohlelo lokusebenza, udinga ukungena ngemvume. Ku-akhawunti yakho siqu kukhona i-Exchanger lapho ungashintshana khona ngezimali zemali oyifunayo.

Ngokuqondene nokushiyeka, akukho lutho. Ukuphela kwe-caveat yilokho amabhange namagatsha atholakala emadolobheni amakhulu naphakathi nendawo. EMnyangweni ungathola igatsha kuphela.

2. Pekao

Enye yamabhange anethonya elikhulu futhi athembekile eRiphabhulikhi yasePoland. Lesi sikhungo sasungulwa ngo-1929, okwakutholile ukuthandwa okukhulu kanjena, kanye nenani elikhulu lamakhasimende ajwayelekile.

Izici ezihlukile:

• Yibhange lesibili ngobukhulu ePoland.
• Kukhona uhlelo olukude lomsebenzi Pekao 24.
• Izikhathi zokuvula ze-akhawunti esheshayo kanye nezimali zokulungiswa kwe-akhawunti ephansi.

Ibhange linohlelo oluthuthukiswe kahle lwamagatsha nama-ATM. Azikho ukushiyeka ngaphandle kwalapho, ngaphandle kokuthi mhlawumbe ukuntuleka kwamahhovisi abamele emadolobheni amancane.

3. POMABH SANK Polsky

Lesi sikhungo sinomlando weminyaka eyikhulu futhi singomunye wabamele abaphezulu abaphezulu bamabhizinisi amakhulu emhlabeni. Inkampani inamagatsha ayi-1,300 +. Ama-ATM angatholakala ezweni lonke, kufaka phakathi emadolobheni amancane.

Izici ezihlukile:

• Uhla lwezinsizakalo zezezimali.
• Ukudluliselwa okusheshayo kunoma iyiphi imali.
• Uhlelo lokusebenza leselula elinezilimi eziningi.

Ukwenza ukudluliselwa kusuka ku-EUR kuya ku-PLN, udinga ukuvakashela igatsha, noma ungene ngemvume ku-akhawunti yakho (sebenzisa i-Online Banking).

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

Ngokuqondene nobubi, imali yokulungiswa kwe-akhawunti ingenye ephezulu kakhulu. Ibhange lihlinzeka ngezinketho amanye amabhange angaziqhayisanga, ngokwesibonelo, amandla okuhoxisa imali edeskini lemali yenethiwekhi ye-ABC Zabka. Ibhange lihlinzeka amakhasimende ayo ngezimo zenkonzo ezintofontofo kakhulu, ngokwesibonelo, amandla okuhoxisa imali kunoma iyiphi i-ATM. Kepha ikhomishini yokusebenzisa i-akhawunti nekhadi kufanelekile.

4. I-Alior Bank

Ibhange lakhishwa ngo-2008, okungukuthi, yibhange elincane elikhulisa ngokushesha. Ibhange lithola ukuthandwa phakathi kwamakhasimende ngenxa yensizakalo yalo elula namaKhomishini aphansi.

Izici ezihlukile:

• Imali ekhokhwayo ephansi yekhadi (PLN 5) kuphela.
• Kungenzeka ukugcina ikhadi mahhala (lapho ukhokha izimpahla nezinsizakalo ngenani le-300 zl noma ngaphezulu).
• Kucatshangwa ngokucophelela ebhange le-inthanethi.

Ngokuqondene nobubi, izimo zebhange zisho ubuncane bamarisidi angu-1,500 atholakele kwi-akhawunti, ukuze insizakalo imahhala. Ukuqhathanisa: IPekao kuphela idinga i-PLN 500+ imali engenayo yanyangazo ye-akhawunti ezosetshenziswa mahhala. Futhi, i-Alior Bank inikezela ngesiNgisi kuphela nesiPolish ku-e-wallet. Alukho ulimi lwaseRussia. Kunoma ikuphi, ibhange likufanele ukunakwa kwakho. Iziphakamiso zakhe zezezimali ezizuzayo zimboza amaphutha amancane.

5. I-Santander Bank

Ibhange lesithathu ngobukhulu ePoland ngemuva kwePKO nasePekao. Inohlelo oluhle kakhulu lwamagatsha, ama-ATM amaningi. Kungenzeka ukuhoxisa imali kusuka kunoma yiliphi i-ATM ePoland.

Izici ezihlukile:

• Imali ekhokhwayo ye-akhawunti ephansi.
• Ukusebenza okusebenzayo okusebenzayo.
• Ibhange lonke elinephakethe eligcwele lezinsizakalo ocingweni!

ISantander inikeza uhlelo lokusebenza oluhle kakhulu. Usebenzisa i-Online Banking, ungashintshana ngemali, udlulise ngesilinganiso esikhangayo kunazo zonke, oda imikhiqizo nezinsizakalo ezengeziwe. Ibhange linikeza uhla olukhulu lwezinsizakalo ezitholakala kwisicelo seselula. Kukhona umugqa oshisayo. Kukhona abaqhubi abakhuluma isiNgisi.

Yiziphi izinhlobo zokudluliselwa ezingasetshenziswa

Kuzoba isimanga esimnandi sokuthi ukudluliselwa ePoland kumahhala. Kokubili ngaphakathi kwebhange elifanayo, nangomlingani wayo (okungukuthi, ukudlulisa phakathi kwamabhange ahlukene). Lokhu kungenzeka ngenxa yohlelo lokuhumusha olujwayelekile lwe-Elixir, olusebenza kulo lonke izwe. I-Nuance yayo kuphela ukuthi igama lemali yokubandakanya yizinsuku ezingama-2-3.

Kunezinketho eziningi zokuhumusha kuhlelo lokusebenza leselula, futhi elinye lazo i-Elixir Express. Imali ifakwa ngokushesha, kepha ikhomishini izodingeka (ngokwesilinganiso - ama-zlotys angama-5-7, kepha lokhu kuya ngenqubomgomo yebhange elithile).

Ngokuqondene neKhomishini lapho kudluliswa ama-Euro ku-Zloty, ikhomishini izobalwa ngokuya ngohlelo oluhlukile kunokuba uma ukudluliswa kwenziwa eZloty. Kunoma ikuphi, e-wallet, umthumeli, lapho ungena ngemali kuma-euro, ubona ukuthi kuzoba malini kuma-zlotys.

Uma udinga ukudlulisa ezinye zezimali, kungahle kube ukuhlakanipha ukubheka enye insizakalo enemali ephansi ye-inthanethi njengokudlulisa noma ukuvukela.

Izici Zokuguqulwa

Izindleko zokuguqulwa kwebhange ziphezulu kakhulu. Ukudluliselwa kwezimali ezahlukahlukene akunanzuzo enkulu, ngoba iklayenti likhokhela ukuguqulwa + ikhomishini. Kungakho amanye amabhange amaningi ethula amakhadi e-multicurrench, anganciphisa izindleko zekhomishini nokuguqulwa. Yonke imininingwane iyabonakala kwi-akhawunti yakho. Lokhu kukuvumela ukuthi uqaphe isilinganiso sokushintshana bese ukhetha inketho ephelele yokudlulisa (i-Elixir Express ikhokhisa ikhomishini).

Ukufingqa

Ukuvula i-akhawunti yasebhange yomuntu siqu ePoland yowesinye isizwe kulula. Iphakethe eliphansi lemibhalo lizodingeka ukuthi lixazululwe ngokusemthethweni. Uchwepheshe uzonikeza izinketho eziningi ze-akhawunti. Uyacelwa ukuthi uqaphele ukuthi ikhomishini ehlukile ikhokhiswa ngohlobo ngalunye lwesevisi, noma kunjalo, olungakhishwa uma kuhlangana khona izimo eziningi. Umphathi uzokweluleka inketho engcono kakhulu eklayenti ngalinye.

Ukudluliselwa kuma-Euro ku-Polish Zloty kuneKhomishini eyengeziwe. Ingafihla (kuthiwa yimigomo nemibandela yesivumelwano somsebenzisi). Uma usebenzisa ikhadi lemali ehlukahlukene, unganciphisa izindleko zokuguqula imali. Sicela wazi futhi ukuthi ukuguqulwa kwenziwa ngesilinganiso sebhange elikhethiwe lapho kusetshenzwa khona iklayenti. Lokhu futhi kuyinto ebalulekile lapho ukhetha ibhange - isilinganiso sokushintshana.

Ochwepheshe batusa ama-akhawunti okuvulwa kwezikhungo zezezimali ezinikeza ukubhenka online. Lokhu kuzokuvumela ukuthi ubheke ukuguquguquka kwesilinganiso sokushintshana, bheka wonke amaKhomishini akhokhiswe ukudluliselwa nokuguqulwa, kanye nokwenza ukudluliselwa nganoma yisiphi isikhathi esikahle. Futhi, inzuzo eyengeziwe ukuba khona kolimi lwaseRussia ohlelweni kanye nabasebenza ngokukhuluma isiRussia ngokuxhumana.

Imibuzo Ebuzwa Njalo

Yini eyenza i-akhawunti yasebhange yomuntu siqu ilungele ukuphatha i-EUR ekuguqulweni kwe-PLN nokuthengiselana?

I-akhawunti ekahle yebhange yomuntu siqu ye-EUR kuya ku-PLN ukuthengiselana kufanele anikeze amanani wokushintshana wokuncintisana, imali yokuguqula ephansi, kanye nezici zokubhala ezisebenziseka kalula ze-inthanethi. Izinzuzo ezingezekile ezinjengezindleko ze-AT-Hard ATM kuzo zombili imali kanye nokusekelwa kwamakhasimende ngezilimi eziningi kungaba yinzuzo.