Ikhadi lasebhange - liyini nokuthi ungalithola kanjani + amakhadi asebhange amahle kakhulu anensizakalo yamahhala, ukubuyisa imali kanye nenzalo kubhalansi

Sawubona, bafundi abathandekayo be-Ideas for Life! Namuhla sizokhuluma ngakho I-debit card - kuyini, ungayi-oda kanjani ku-inthanethi futhi kukuphi lapho ungakhipha khona amakhadi asebhange ngesevisi yamahhala, inzalo nokubuyiselwa imali.

Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!

Sizokhuluma ngokuningiliziwe ngezinkinga ezilandelayo:

• Kusho ukuthini ikhadi lasebhange nokuthi lihluke kanjani ekhadini lesikweletu;
• Yiliphi ikhadi lasebhange okufanele ulikhethe;
• Ungalikhipha kanjani kahle ikhadi lepulasitiki, kufaka phakathi i-inthanethi;
• Ngingalithenga kuphi ikhadi ledebhithi elinenzalo nokubuyiselwa imali emuva.

Ekupheleni kwendatshana, ngokwesiko siphendula imibuzo ethandwa kakhulu ephakama lapho kufundwa isihloko esethulwayo.

Wonke umuntu kufanele ayifunde ngokucophelela incwadi yethu, ngobaisifiso sokuthola ikhadi lasebhange elinenzuzo enkulu singavela nganoma yisiphi isikhathi... Ukulungiselela kusengaphambili le nqubo, kufanelekile ukutadisha i-athikili kusukela ekuqaleni kuya ekugcineni njengamanje.

Funda ngokuthi liyini ikhadi ledebhithi nokuthi ubani olivula ngaphandle kwenkokhiso yesevisi enenzalo kubhalansi nokubuyiselwa kwemali kulo magazini.

1. Ikhadi lasebhange - liyini ngamagama alula 📃

Ngaphambi kokuqala ukutadisha izici zamakhadi asebhange, kufanele ukukuqonda isho ukuthini into enjengekhadi lasebhange?... Ngaphandle kokuqonda okulungile kwetemu eliyisisekelo, nakanjani ngeke kwenzeke ukuqonda ubunzima nobunzima bombuzo.

I-debit card Ingabe yikhadi lokukhokha lasebhange, elenzelwe ukukhokha okungeyona imali yezimpahla nezinsizakalo, kanye nokukhipha imali kumadivayisi akhethekile.

Ithuluzi elinjalo linikeza umnikazi walo ithuba lokusebenzisa imali ngaphakathi kwebhalansi ku-akhawunti yasebhange lapho leli khadi lixhunywe khona.

Umsebenzi oyinhloko wekhadi lasebhange ukuthi lisebenza njengendlela yokukhokha. Ngamanye amagama, ithuluzi elinjalo kuhloswe ngalo ukufaka esikhundleni sezimali zamaphepha ezisetshenziselwa ukuhlala, kanye nokwenza izinkokhelo ngezimali zomnikazi wekhadi ngendlela engeyona imali.

Ngakho-ke umehluko omkhulu phakathi kwamakhadi wedebithi namakhredithi. Lokhu okugcina kukuvumela ukuthi uthembele kwizimali ezeqile komkhawulo. Ngokungafani nabo amakhadi asebhange awadingi uhlelo lwesikweletu... Noma kunjalo, kungahle kube nezimo lapho uxhuma kubo ukweqisa ngokweqileokungenzeka kungagunyaziwe.

Ngempela 20 eminyakeni edlule, amakhadi asebhange eRussia abolekwe cishe 99% wemakethe yezinsimbi zokukhokha zepulasitiki ezikhishwe izikhungo zezezimali. Lokhu kudalwe yilezi zimo ezilandelayo:

1. Isizathu esiyinhloko kwaba ukuchuma kokwenza imali ngokungemthetho, kanye nokubambisana okuseduze kwamabhange nomkhakha wobugebengu;
2. Kancane kancane, lesi simo sichazwa ngu izinga eliphansi lokuzethemba kwamaRussia emkhakheni wezezimali;
3. Esinye isizathu sokuntuleka kokuhlukahluka kumakhadi okukhokha kwaba isidingo sokunikeza ibhange isibambiso lapho sikhishwa... Lezi zibambiso zazidingeka ukuvimbela inkohliso yomnikazi wamakhadi nezikweletu ezingagunyaziwe.

Ekugcineni 2000-s, umkhakha obolekisa ngemali usuthuthuke kakhulu. Lokhu kuholele ekwehlisweni kancane kancane kwesabelo samakhadi asebhange kuzo zonke izinsimbi zokukhokha. Amanye amaklayenti awathandile amakhadi esikweletu.

2. Uyini umehluko phakathi kwekhadi lasebhange nekhadi lesikweletu - ukubuka konke umehluko omkhulu + ithebula lokuqhathanisa 📑

Abantu abaningi baseRussia ngephutha babiza isikweletu amakhadi asebhange... Akunankinga enkulu ngokungabikho kokuqonda umehluko phakathi kwalezi zinsiza zokukhokha. Kodwa-ke, ukwengeza izinga lokufunda ngezezimali, kuyasiza ukuqonda umehluko wabo omkhulu.

I-debit card iyinsimbi yezezimali eyi ukugcina izimali zomnikazi wazo... Le kungaba yimali iklayenti eliyifakile ngokuzimela ekhadini, noma eliyitholile njengokudluliswa kwentambo. Okokugcina kuvamile umholo, impesheni, imixhaso, futhi ukudluliselwa okuvela kubantu abahlukahlukene.

Kubalulekile ukuqonda ukuthi ezimweni eziningi Imali ekhishwa emakhadini asebhange ayikhokhishwa. Umbandela kuphela wokuthi kumele kukhishwe imali emagatsheni noma kuma-ATM esikhungo sezikweletu esikhiphe ikhadi.

Futhi, ngeke ibe khona ikhomishini uma ukhipha imali emabhange anesivumelwano sokubambisana nomkhiphi. Izinkokhelo ezingenamali zenziwa mahhala kuzo zonke izindawo zokuthengisa nakwezinye izinkampani ezemukela lolu hlobo lwekhadi ukuze zikhokhwe.

Ikhadi lasebhange livame ukubizwa nangokuthi ukuhlala... Lawa magama ayalingana. Futhi, lapho usebenzisa ikhadi ukudlulisa izinkokhelo ezivela kubaqashi, kungashiwo ukuthi kunjalo umholo... Imisebenzi esemqoka kanye nezici zamathuluzi anjalo ziyefana.

Ukuze kwandiswe ukuncintisana, amabhange asebenzisa amakhadi asebhange kushibhile kakhulu... Noma ngabe ezinye zazo zikhona ikhomishini, ezimweni eziningi kuncane. Lokhu kuyiqiniso ikakhulukazi kumakhasimende ezinkampani, amaholo namakhasimende ajwayelekile.

Lapho ingekho ikhomishini, ikhadi lasebhange lingaqhathaniswa nesikhwama semali esenzelwe ukugcina izimali. Ngaphezu kwalokho, kwezinye izimo, ibhalansi ekhadini ifakwa inzalo.

Ikhadi lesikweletu imele insimbi yokukhokha lapho kufakwa khona izimali zebhange... Iklayenti lingasebenzisa inani elingaphakathi komkhawulo obekwe ngumbolekisi. Kulokhu, obolekayo uyabuya, ngaphezu kwemali esetshenzisiwe, iphesenti elisungulwe yinkontileka.

Kodwa-ke, akudingeki ukuthi ukhokhele ukusetshenziswa kwemali ngaso sonke isikhathi. Amabhange amaningi anamuhla asethwe ngamakhadi Isikhathi somusa... Uma ngalesi sikhathi kungenzeka ukukhokha ngokuphelele isikweletu, inzalo ngeke ikhokhiswe. Kepha ungakhohlwa ukuthi amakhadi amaningi esikweletu ahlinzeka imali ekhipha imali.

Kuyafaneleka ukucatshangelwa ini ngemuva kokuthi isikweletu sekhadi lesikweletu sikhokhelwe, umkhawulo uvuselelwa futhi isikhathi somusa siqala futhi. Eqinisweni, umnikazi wekhadi angasebenzisa imali ebolekiwe izikhathi ezingenamkhawulo.

Kuvela ukuthi ikhadi lesikweletu liyimalimboleko yabathengi ngaphandle kwenani elinqunyiwe. Ngaphezu kwalokho, inzalo ayibalwa ngokushesha, kodwa ngemuva kwesikhathi esithile.

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Ukwenza kube lula ukuqonda umehluko, ukuqhathaniswa kwamakhadi wedebithi namakhredithi kuvezwa etafuleni.

Ithebula "Ukuhlaziywa kokuqhathanisa komehluko phakathi kwekhadi lasebhange nekhadi lesikweletu":

Ipharamitha yokuqhathanisa	I-debit card	Ikhadi lesikweletu
Uhlobo lwezimali ezifakwe ekhadini	Imali yakhe uqobo	Imali yasebhange ebolekwe kumnikazi wekhadi
Umkhawulo	Akukho	Kufakwe yibhange
Ukuhoxiswa kwemali	Ayikho ikhomishini uma ukuhoxiswa kwenziwa kuma-ATM esikhungo sesikweletu noma kubalingani baso	Ezimweni eziningi, ikhomishini ikhokhiswa noma ngabe ikhipha kwi-ATM yasebhange ekhiphe ikhadi
Umkhawulo wokuhoxa	Uma kungekho-overdraft, ngaphakathi kwebhalansi yekhadi	Ungakhipha ngaphakathi komkhawulo wesikweletu obekwe yibhange (ibhalansi ingena ku-minus)
Inzalo	Kungafakwa kubhalansi ye-akhawunti	Iklayenti likhokhela ibhange ngokusebenzisa imali ebolekiwe

Ngaphambi kokuvuma ikhadi lesikweletu, kufanele ufunde ngokucophelela imigomo yesivumelwano. Ngaphezu kwalokho, kufanele uhlaziye ngokucophelela isabelomali somndeni.

Lokhu kuzosiza ekuqinisekiseni ukuthi obolekiwe uzokwazi ukuhlangabezana nezibopho ezenziwe ngesikhathi. Uma lokhu kungenziwa, umboleki wesikhathi esizayo ubeka engcupheni yokuwela isimo esikweletwa ngokweqilelapho izinkokhelo zikhulu kakhulu kangangokuba kuba nzima kakhulu ukuzenza ngesikhathi.

Kuyafaneleka ukuthola ikhadi lesikweletu kuphela uma umnikazi walo wesikhathi esizayo enezimfanelo ezilandelayo:

• ukuqeqeshwa ngokwanele nangokwezimali;
• unemali engenayo ezinzile eyanele ukukhokha;
• iyaqonda ukuthi siyini isabelomali futhi iyazi ukuthi isatshalaliswa kanjani kahle imali engenayo phakathi kwezindleko eziyimpoqo nezengeziwe.

Womabili amakhadi wesikweletu nawasebhange angenza impilo ibe lula kubanikazi bawo. Ithuluzi elinjalo lezezimali likuvumela ukuthi ukhokhele izimpahla nezinsizakalo, kuqeda isidingo sokugcina njalo inani lemali elidingekayo.

Noma kunjalo, sebenzisa ikhadi lakho lesikweletu ngokunakekela okukhulu. Kubalulekile ukuthi ungasebenzisi umkhawulo okhona kuwo ungacabanganga, ukuze ungangeni ogibeni lwesikweletu.

Qaphela! Okubi kakhulu (-) kwamakhadi esikweletu kuyisilinganiso esiphakeme impela, esivumelekile uma isikweletu singakhokhiwe ngesikhathi somusa.

Kuphakeme kakhulu ↑ kunokuboleka imali yabathengi bendabuko.

Abaningi abaqondi ukuthi kungani abangane babo bevula amakhadi amaningi asebhange ezinhlobo ezahlukene, bakholelwa ukuthi elinye lanele. Eqinisweni, izinhlobo ezahlukahlukene zepulasitiki zinemisebenzi ehlukile.

ISIBONELO: Ikhadi lasebhange isebenza njengohlobo lwethuluzi elikuvumela ukuthi ugcine imali futhi ulisebenzise noma ulihoxise njengoba kudingeka. Abantu abaningi basebenzisa leli thuluzi ukugcina izimoto zabo ziphephile ohambweni olude.

Ikhadi lesikweletu ivula ngenhloso ehluke ngokuphelele. Ikuvumela ukuthi uthenge izimpahla noma izinsizakalo lapho izimali zakho zinganele.

Manje uyazi ukuthi yini umehluko phakathi kwekhadi lasebhange nekhadi lesikweletu. Okulandelayo, ake sikhulume ngezinhlobo zamakhadi epulasitiki okudonswa kwemali.

Izinhlobo eziyinhloko zamakhadi epulasitiki okudonswa kwemali

3. Yiziphi izinhlobo zamakhadi edebithi akhona - izinhlobo ezi-TOP-4 ezidumile 📋

Ngaphandle kokuthi umthetho wokusebenza, kanye nemisebenzi yamakhadi wedebhange wamabhange ahlukene, ayafana, kunezinhlobo eziningi zezinhlobo zazo. Awahlukile ekwakhiweni kwangaphandle kuphela, kodwa nakwezinye izici.

Izinhlobo eziyinhloko zamakhadi edebithi yilezi:

1. Amakhadi edebithi anensizakalo yamahhala. Amakhadi asebhange alula kakhulu akhishwa futhi ahlinzekwa mahhala. Lapho u-oda ikhadi elinjalo, kubalulekile ukuthi ufunde ngokucophelela imigomo yesevisi nohlu lwemisebenzi etholakalayo. Ungakhohlwa ukuthi ezinye zazo zingasetshenziswa kuphela ukuthola imali nge-ATM noma i-terminal terminal; lawo makhadi awavumeli ukukhokha kwi-Intanethi.
2. Co-uphawu - amakhadi akhishwe ezinye izinkampani ngokuhlanganyela nebhange. Abanikazi babo bathola okungeziwe amabhonasi futhi izaphulelo ezinkampanini zabalingani bebhange ababambe iqhaza kulolu daba.
3. Amakhadi edebithi anenzalo kubhalansi ingasetshenziswa futhi njengediphozi lapho kungenzeka kukhishwe izimali. Ezimweni eziningi, inzalo ikhokhiswa incane, kepha uma kunemali enkulu ku-akhawunti, inani eliphelele lingabaluleka impela.
4. Amakhadi okudonswa anemali ebuyiswayo kusho ukubuyiswa kwengxenye yezimali ezisetshenziselwe ukuhlala ezinhlanganweni ezithile.

Ngendlela yokufunda imininingwane, kukhona amakhadi we-chip futhi amakhadi omugqa kazibuthe... Abokuqala kukholakala ukuthi baphephe kakhulu. Kodwa-ke, imithetho yokuqinisekisa ukuphepha kwezimali ekhadini kufanele ilandelwe kunoma yikuphi.

Ipharamitha ebalulekile yamakhadi edebithi uhlelo lokukhokha okungelabo. Okuthandwa kakhulu yi 6 izinhlelo, ezibika cishe 80% wawo wonke amakhadi aseRussia:

1. I-Visa International;
2. Maestro;
3. I-Mastercard WorldWide;
4. I-American Express;
5. ISberbank isungule uhlelo lwayo lokukhokha - I-PRO100;
6. muva nje, iRussia yethule futhi isebenzisa ngokubonakalayo amamephu ayo angaxhomekile esimweni somhlaba - UKUTHULA.

Futhi, amakhadi edebithi angahluka ekwakhiweni nasezimalini. Ngaphambi koku-oda ikhadi elithile, kufanelekile ukutadisha ngokucophelela izici zezinketho ezahlukahlukene bese ukhetha ezifanele kakhulu.

Ukuze ukwazi ukuqhathanisa nokuhlaziya izimo zamakhadi, kubalulekile ukuqonda ukuthi ahluke kanjani. Izinhlobo ezithandwa kakhulu zamakhadi edebithi zichazwe ngezansi.

Thayipha 1. Ikhadi lasebhange ngaphandle kwenkokhiso yesevisi

4. Amakhadi edebithi anenkonzo yamahhala - izinzuzo eziphambili + amathiphu amathathu awusizo wokukusiza wenze ukukhetha okulungile 📊

Inani elikhulu lamakhadi edebithi livumela noma ngubani ukuthi akhethe lelo elizomlungela. Abaningi bafuna ukonga imali ngokukhetha amakhadi anensizakalo yamahhala. Ngakho-ke, ngaphakathi kohlaka lokushicilelwa okwethulwe, sinqume ukukhuluma ngabo kabanzi.

Amakhadi edebithi anensizakalo yamahhala lula kakhulu umsebenzi wokukhipha nokwamukela izinkokhelo zempesheni, futhi inkokhelo... Ngaphezu kwalokho, benza kube lula ukukhokha kwezimpahla nezinsizakalo ezahlukahlukene.

4.1. Izinzuzo Eziyinhloko Zamakhadi Wokudonswa Kwamahhala

Ngaphezu kwamakhono atholakala ngqo emisebenzini esemqoka yamakhadi asebhange, banezinzuzo eziningi ezibalulekile:

Ubuhle 1. Ukukhishwa kwemali mahhala

Imvamisa izinkampani zezezimali zikhokhisa ikhomishini ngokukhipha nokusevisa amakhadi asebhange. Noma kunjalo, ezinye izinhlangano zezikweletu zinikela ngokuthola amakhadi ahlukahlukene mahhala ngokuphelele.

Kunezizathu ezahlukahlukene zokukhipha amakhadi mahhala:

1. ukwethulwa kokuqaliswa komkhiqizo omusha wekhadi;
2. ukukhangisa ikhadi elithile lasebhange;
3. ukukhushulwa okunikezelwe emicimbini eyahlukahlukene.

Ngokukhipha ikhadi lasebhange elinensizakalo yamahhala, umnikazi wayo ngokushesha uthola inzuzo ethile, equkethe ukonga imali ezoya kukhomishini.

Okubalulekile! Ngaphandle kokubhaliswa kwamahhala, insimbi yokukhokha enjalo ihlangabezana nazo zonke izici zamakhadi asebhange futhi inikeze ukufinyelela kuzo zonke izinsizakalo ezibekwe yimithetho yokusebenza kwazo.

Inzuzo 2. Ukuxhuma kwi-Internet Banking

Amabhange anamuhla avumela abanikazi bamakhadi abawakhiphile ngokuzimela ukulandelela izinguquko kubhalansi, okwenziwayo nakwamanye amapharamitha.

Ukuze wenze lokhu, vele usebenzise ukubhenka nge-inthanethi, okuyisevisi ekhethekile eyenzelwe ukuzilawula kwama-akhawunti omnikazi, ku-inthanethi nge-Intanethi.

Ukuze usebenzise ukubhenka nge-Inthanethi, udinga ukwenza izinyathelo ezimbalwa ezilula:

1. iya kuwebhusayithi yebhange ekhiphe ikhadi lasebhange;
2. bhalisa futhi udale i-akhawunti yomuntu siqu;
3. yenza kusebenze isenzo se-Internet banking ngokusebenzisa i-terminal, i-ATM noma ngqo kuwebhusayithi.

Emabhange amaningi, ukwenza lokho kukhwabanisa, kwanele ukuba ngumnikazi wekhadi. Awudingi ukuya ehhovisi lesikhungo sezikweletu.

Ngenxa yalokho, umnikazi wekhadi lasebhange uzokwazi ukudlulisa ngokuzimela, akhokhe, alandelele ibhalansi nganoma yisiphi isikhathi esikahle.

Ungenza zonke izenzo ngekhadi nge-Internet banking 24/7 kusuka noma yikuphi ukufinyelela kukhompyutha naku-Intanethi.

Inzuzo 3. Ukubamba iqhaza ezinhlelweni zebhonasi

Ezweni lesimanje, umncintiswano emkhakheni wamabhange uphezulu ngokumangazayo. Emzabalazweni wamakhasimende, izikhungo zezezimali zivame ukubanikela ukuthi babambe iqhaza kokuhlukahlukene izinhlelo zebhonasi.

Abaphethe amakhadi asebhange asebhange nabo bathola izipesheli eziningi ezinenzuzo. Amabhonasi ekhadi ngokuvamile ahlukile amamayela futhi amaphuzu.

Amabhonasi anqwabelene angasetshenziswa ngezindlela ezahlukene:

• ukuthengwa kwezimpahla nezinsizakalo;
• ukukhokha ikhomishini yesikhungo sezikweletu;
• amanye amabhange ahlinzeka ngokukhokhwa kwamaphoyinti anqwabelene ngokheshi.

Olunye uhlobo lohlelo lwebhonasi, olubizwa ukubuyisa imali... Inikezwa amakhadi asebhange athile futhi ifaka phakathi ukubuyiselwa kwengxenye encane yezimali ezisetshenziselwe ukukhokhela izimpahla nezinsizakalo ezahlukahlukene.

Kulokhu, ukubuyiselwa kwemali kwenziwa ngokufaka imali ekhadini. Amabhange azimela ngokuzimela ubukhulu bokubuyiselwa kwemali. Kwamanye amakhadi asebhange, kuyafika 10%.

Isayithi lethu linombhalo ohlukile mayelana neCash Back - ukuthi iyini nokuthi siyini isilinganiso sezinsizakalo ezibuyisa imali kakhulu.

Inzuzo 4. Kulula ukuklama

Ekhadini lasebhange, eyodwa ngokuvamile yanele ama-passport... Yize kunjalo, izikhungo zezikweletu zinelungelo lokucela iklayenti ukuthi linikeze eminye imibhalo. Kungaba njalo SNILS, isitifiketi sempesheni, ilayisense yokushayela nabanye.

Imvamisa, imibhalo eyengeziwe iyadingeka lapho kukhishwa amakhadi emali eningi.

Lokhu kungenxa yokuthi uma kusetshenziswa into enjalo yasebhange, kwenziwa ukuhwebelana kwamanye amazwe. Lapho libenza, ibhange liphoqelekile ukuqoqa inani eliphakeme lemininingwane mayelana neklayenti.

Banamathele kumakhadi amaningi emikhakheni eminingi 3 Ama-akhawunti avulwe ngezimali ezahlukahlukene – ama-ruble, amadola, futhi Euro.

Umnikazi wekhadi elinjalo angalisebenzisa Hhayi kuphela khipha imali futhi wenze izinkokhelo, kodwa futhi wenze ukuguqulwa kwemali. Abaningi benza imali ngalokhu ngokukhomba izinkomba zokushintshanisa ezinenzuzo.

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Ngakho-ke, ngokukhipha ikhadi lasebhange elinensizakalo yamahhala, awungeke ugcine kuphela, kepha kokunye uthola.

4.2. Ungalikhetha kanjani ikhadi ledebithi elinenzuzo enkulu nensizakalo yamahhala - amathiphu awusizo we-TOP-3 avela kochwepheshe

Ngokukhetha ikhadi lasebhange elinensizakalo yamahhala (ikhadi lasebhange lamahhala), kubalulekile ukucabangela inani elikhulu lamapharamitha alo mkhiqizo. Ngasikhathi sinye, kufanelekile ukwazi: ukuthi yini okufanele unake yona kuqala, ukuthi ungazisebenzisa kanjani izinzuzo ezinikeziwe kuze kube sezingeni eliphezulu.

Ukuqonda lokhu kuzosiza okulandelayo iseluleko sochwepheshe.

Ithiphu 1. Kufanele ukhethe uhlelo lwebhonasi, umninikhadi wesikhathi esizayo azolisebenzisa njalo

Abaningi, lapho bekhipha ikhadi lasebhange, abacabangi ukuthi bazolisebenzisa yini lelo elinikezwe kulo Uhlelo lwebhonasi... Ngasikhathi sinye, umkhuba ukhombisa ukuthi amabhonasi akhethwe kahle angaba wusizo olukhulu. Ngesikhathi esifanayo uhlelo olungasetshenziswanga alunamqondo ngokuphelele.

Ngokwesibonelo: Kulabo abangalokothi bandize noma kuphi, akunangqondo ukukhipha ikhadi ngamamayela.

Ngasikhathi sinye, kunethuba lokukhetha ithuluzi elihlinzeka ngezinzuzo ezengeziwe lapho ukhokha esitolo esithile, kufaka phakathi ukuthenga online.

Ngamanye amagama, kungcono ukhethe ikhadi elihlinzeka ngamabhonasi umnikazi azowasebenzisa njalo. Akuwenzi mqondo ukuqoqa izinzuzo uma iklayenti kungenakwenzeka ukuthi lizisebenzise.

Ithiphu 2. Kungcono ukukhipha amakhadi asebhange ngempilo yesevisi ephezulu ngaphandle kokushaja ikhomishini

Ezimweni eziningi, amakhadi edebhithi wensiza yamahhala akhishwa isikhathi se- kuze kube yiminyaka emibili... Kubalulekile ukuthi unake ikhomishini izokhokhiswa ngemuva kwesikhathi esithile.

Kodwa-ke, amanye amabhange ngemuva konyaka angaqoka insizakalo ekhokhelwayo:

• Ngakolunye uhlangothi, inani elikhokhisiwe alilikhulu kakhulu;
• Kepha ngakolunye uhlangothi, ukungabikho kwekhomishini kukuvumela ukuthi u-ode amakhadi amaningana azosetshenziswa ezimweni ezahlukahlukene.

Ithiphu 3. Funda ngokucophelela imigomo yokusetshenziswa kwamakhadi asebhange

Abantu abaningi abafuni ukufunda imigomo yesevisi, kepha kubalulekile ukuthi uyifunde ngokucophelela ngangokunokwenzeka. Ngaphambi koku-oda ikhadi lasebhange, kufanele ufunde isivumelwano, futhi amazinga wokukhishwa futhi ukusetshenziswa kwamamephu.

Ngenkathi yokufunda inkontileka, kubalulekile ukunaka la maphuzu alandelayo:

• ukutholakala kanye nosayizi wemikhawulo yokukhipha imali nokudluliswa kwentambo;
• noma ngabe kubizwa inzalo yini kubhalansi yezimali ezigcinwe ekhadini;
• kukhona imali ekhokhwayo yokudlulisa izimali nokukhipha imali, nokuthi ngakanani ubukhulu bayo;
• kufakwa kumaphi amabhonasi nokubuyiselwa kwemali emuva, imininingwane yohlelo oluhambisanayo;
• yiziphi ezinye izici zensizakalo yekhadi lasebhange.

Ukutadisha ngokucophelela imibandela esekhadini kukuvumela ukuthi uvimbele ukudumazeka ohlelweni olukhethiwe, ukugwema izikhathi ezingathandeki ezivela lapho ungazwisisi ama-nuances athile. Ngenxa yalokhu, ukusetshenziswa komkhiqizo webhange kuzoba nenzuzo ngangokunokwenzeka.

Thayipha 2. Ikhadi lasebhange elinenzalo kubhalansi yezimali zakho

5. Amakhadi edebithi anenzalo kubhalansi - izici eziyinhloko + namathiphu wokukhetha 💳

Olunye uhlobo oluthandwayo lwamakhadi edebithi yilezo ezibandakanya ukwanda kwenzalo kubhalansi ye-akhawunti.

Ithuluzi elinjalo lingabizwa ngokuthi i-analogue yediphozi enekhono lokugcwalisa nokuhoxa nganoma yisiphi isikhathi. Ngesikhathi esifanayo, banikeza wonke amathuba amakhadi epulasitiki.

5.1. Izici zamakhadi edebithi anenzalo kubhalansi

Lapho uthatha isinqumo sokukhipha ikhadi lasebhange elibandakanya ukwanda kwenzalo kubhalansi, kubalulekile ukutadisha ngokucophelela izici zale nsimbi yokukhokha. Ngezansi kunezici eziyinhloko zalolu hlobo lwekhadi, okufanele licatshangelwe kuqala.

Isici 1. Inani lenzalo kubhalansi

Namuhla inzalo emaphakathi etholwe emakhadini aseRussia yi cishe 7%... Ngaphezu kwalokho, ukusabalala kwalesi sibonakaliso emabhange ahlukene kukhulu impela. Ukubheja okuncane kumayelana 1%, okuphezulu kungafinyelela 10%.

Izikhungo zezikweletu nazo zisungula indlela yokubala inzalo. Izinga lingalungiswa noma lincike ezimweni ezithile.

Isici 2. Ukuqongelela kwenzalo

Inzalo iyanda njalo ekuseni... Ibhalansi ye-akhawunti ekuqaleni kosuku iyabhekwa.

Ngamanye amazwi, uma umnikazi wekhadi ekhiphe imali kuyo, inzalo ngeke ikhokhiswe kusukela ngosuku olulandelayo kuze kube imali ifakwa ekhadini.

Isici 3. Ukuvama kwemali ekhokhelwa inzalo

Ezimweni eziningi, inzalo iyakhokhwa 1 isikhathi ngenyanga noma Kanye ngekota... Kulokhu, kwengezwa inzalo enanini elisekhadini lesikweletu, liyayinyusa.

Isici 4. Umshuwalense

Amakhadi edebithi, abiza inzalo kubhalansi, abamba iqhaza ohlelweni lomshuwalense wediphozi. Lokhu kusho ukuthi uma ibhange liqothuka noma ilayisensi yalo iphucwa, umnikazi wekhadi uzokwazi ukuthola imali yakhe.

Kepha kufanele kukhunjulwe ukuthi inkokhelo yomshuwalense ikhonjelwe ukulinganiselwa kwemali... Kuzokwazi ukubuya ama-ruble angaphezu kwezigidi eziyi-1,4.

Isici 5. Ubuncane be-RPM

Amanye amabhange abeka okuncane okukhishwayo kumakhadi abo asebhange. Ngamanye amagama, imigomo yesevisi isungula inani lezindleko ezidingekayo zesikhathi esithile, ezimeni eziningi inyanga.

Uma lesi simo singafinyelelwanga, singancipha ↓ isilinganiso senzaloenqwabelene esele, khuphula ↑ ikhomishini yamakhadi esevisi.

Isici 6. Ibhalansi encane

Ngaphezu kwesivinini esincane, a ibhalansi yekhadi lesikweletu esincane... Ungu inani, uma litholakala ku-akhawunti inzalo etholakele.

Uma ingekho leyo mali ekhadini ekuqaleni kosuku, inzalo ngeke ikhokhiswe ngalolo suku. Imali eqongelelwayo izoqhubeka futhi ngokushesha nje lapho umninikhadi eyigcwalisa ibhalansi ephansi.

5.2. Ungalithola kanjani ikhadi lesikweletu elisebenza kahle kakhulu - iseluleko sochwepheshe

Okokuqala, kufanele uqonde ukuthi ikhadi lasebhange elinenzalo kubhalansi elizuzisa wonke umuntu alikho. Ngakho-ke, akufanele ukholwe ngamehlo ekukhangiseni, kungcono ukhethe ikhadi ngalinye.

Kulabo abahamba njalo, kuzoba nenzuzo enkulu ukuvula ikhadi elinemali eyengeziwe amamayela... Labo abathenga njalo esitolo esifanayo kufanele babheke okufanele ikhadi elinophawu lokubambisana.

Kunoma ikuphi, lapho ukhetha ukunikezwa okunenzuzo enkulu, kufanele ulandele izeluleko zochwepheshe.

Ithiphu 1. Fundisisa ukunikezwa kwebhange lokuhola

Okokuqala, kufanele unake amakhadi asebhange anenzalo kubhalansi enikezwe yibhange lapho kukhokhwa khona umholo. Kuyashesha futhi kulula ukuhlela noma iyiphi insizakalo yasebhange lapha.

Izinzuzo zokuthintana nebhange eliholayo zingokulandelayo:

1. Akunasidingo sokuqoqa iphakethe lamadokhumenti, imvamisa kwanele ukwethula ipasipoti, ngoba ibhange selivele linolwazi oluyisisekelo mayelana neklayenti;
2. Amakhasimende ajwayelekile athola izaziso njalo mayelana nokukhushulwa okunenzuzo nokunikezwa okusha. Kulokhu, umnikazi ongaba khona wekhadi lasebhange uzohlala azi zonke izindaba futhi azokwazi ukukhetha masinyane inketho efanelekile;
3. Amabhange ngokuvamile anikela ngezimo ezinhle kakhulu kumakhasimende emiholo - kubo kungaba khona inzalo kubhalansi ngenhla ↑, futhi ikhomishini ngezansi ↓.

Ithiphu 2. Hlaziya inani eliphezulu lokunikezwa yasebhange

Noma umholo ufakwa ekhadini lebhange elithile, kufanelekile ukutadisha ngokucophelela ezinye iziphakamiso. Ngokukhetha ikhadi lasebhange, ungajahi... Kuyadingeka ukuvakashela izinsizakusebenza ze-Intanethi zenani eliphezulu lamabhange. Kulokhu, kufanele uhlaziye okunikezwayo kwamakhadi edebithi, qhathanisa izimo eziyinhloko zokunikezwa okuthandayo.

Okubalulekile! Lapho ukhetha ikhadi elinenzalo kubhalansi, kubalulekile ukuthi unake usayizi wokubheja... Kubaluleke ngokulinganayo imikhawulo ehlukahlukene.

Ithiphu 3. Khetha ikhadi lasebhange elinamabhonasi ozolisebenzisa njalo

Abaningi bakhangwa ngamakhadi asebhange anamabhonasi, kepha iningi lawo liyazenzekela lapho lithanda. Baklama amakhadi akhangiswa kakhulu.

Ngenxa yalokhu, amaklayenti anjalo asebhange cishe awasebenzisi izinzuzo ezinikezwayo. Okwamanje, uhlelo lwebhonasi olukhethwe kahle lungaletha imali engenayo ebonakalayo ngendlela yezaphulelo nokunye okunikezwayo.

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Amakhadi edebithi anenzalo kubhalansi angasetshenziswa njengediphozi enenketho yokukhipha imali. Ukuzikhethela kwabo kufanele kubhekwane nabo ngendlela enokuzibophezela ngangokunokwenzeka, njengoba befunde ukunikezwa okuhlukahlukene emakethe.

Buka 3. Ikhadi lasebhange elinemali ebuyiselwe ukuthenga

6. Amakhadi edebithi anokubuyisa imali - izindlela zokukhetha + izindlela ezi-4 zokuthola ukubuyiselwa kwemali okuphezulu ekhadini 📝

Imali Emuva - enye yezinhlobo zemali engenayo ekhadini lasebhange. Imele ukubuyiselwa kwemali engxenyeni yezimali ezichithwe ekukhokhelweni kwamakhadi kwempahla ethile nezinsizakalo ezithile.

Ukubuyiselwa emuva kwemali kwenza ikhadi lihehe abanikazi besikhathi esizayo. Kodwa-ke, ukuthola inzuzo enkulu, kubalulekile ukwazi ukuthi yiziphi izici zale nsimbi yokukhokha.

6.1. Indlela esemqoka yokukhetha ikhadi lasebhange elinemali ebuyiswayo

Ngenani elikhulu lokunikezwayo emakethe yasebhange, ukwenza ukukhetha okulungile ngokuvumelana nekhadi elilodwa kungaba nzima. Ulwazi lwenqubo yokukhetha lusiza ukwenza umsebenzi ube lula kakhulu.

Umbandela 1. Inani lokubuyisa imali

Ubungako bokubuyiselwa kwemali busethwe yibhange ngokuzimela, ezikhungweni ezahlukahlukene zezikweletu lingahluka kakhulu. Le nkomba eRussia namuhla iyahlukahluka ngaphakathi kusuka ku-1 kuye ku-10%.

Ngaphezu kwalokho, ngaphakathi kohlaka lomkhiqizo wekhadi elilodwa, lingashintsha futhi ngokuya ngesigaba sokuthenga esenziwe ngekhadi lasebhange:

• Ukubuyiselwa kwemali ezingeni eliphansi ngokwesiko kusethelwe zonke izinkokhelo ezingezona ukheshi;
• Usayizi owandisiwe uvame ukunikezwa lapho uthenga kusuka ezinkampanini zabalingani bebhange.

Umbandela 2. Izindleko zensiza

Ngokuya ngesimiso sokushaja ikhomishini yokusevisa amakhadi asebhange, angahlukaniswa ngamaqembu ama-3:

1. ngokuphelele mahhala;
2. kancane mahhala;
3. ikhokhwe.

Ukunikezwa kwesigaba esisodwa noma kwesinye kuya ngemigomo yesevisi eyenziwe yibhange yohlobo oluthile lwamakhadi okudonswa kwemali. Ngokwemvelo, lapho ukhetha ikhadi elinemali ebuyayo, kufanele unake izindleko zensizakalo yalo.

Kubalulekile ukukhumbula, lokho amanye amabhange asethe umkhawulo ebangeni lesikhathi senkonzo yamahhala... Ezimweni eziningi, ayikho ikhomishini ekhokhiswa kuphela unyaka wokuqala wokusebenzisa ikhadi lasebhange.

Ngaphezu kwalokho, ubukhulu bekhomishini bunganqunywa kusetshenziswa izimo ezahlukahlukene, ngokwesibonelo, ibhalansi yekhadi elijwayelekile.

Umbandela 3. Izigaba zokubuyiselwa kwemali

Amabhange ekhadi lesikweletu ahlukanisa ukubuyiselwa kwemali ngezigaba eziningana. Kungaba njalo izindawo zokudlela, izinkampani zokuhamba, izitolo ezithile zezimpahla, amagalaji kaphethiloli nokunye okuningi. Kwezinye izikhungo zezikweletu, inani lezigaba lidlula amashumi amabili.

Ngaphezu kwalokho, amabhange ahlala enikeza iklayenti ukuthi likhethe isigaba umninikhadi azosithola ukwanda kwemali ebuyiswayo... Ngaphezu kwalokho, ingashintshwa ngezikhathi ezithile.

6.2. Ungayithola kanjani imali engenayo kakhulu usebenzisa ikhadi lasebhange elinemali ebuyiswayo - izindlela zamanje

Lapho usebenzisa amakhadi okudonswa kwemali anemali ebuyiswayo, abanikazi abaningi babona izinto ezimbalwa ezibavumela ukuthi bathole inani eliphakeme lezimali ezibuyisiwe.

Ngezansi kukhona izindlela ezisebenza ngempela futhi usize wonke umuntu ukuthi azuze kakhulu kulawo makhadi.

Indlela 1. Khetha imikhakha yakho yokubuyisa imali ngokucophelela

Abaningi, ngaphandle kokungabaza, bakhipha amakhadi edebithi akhangiswe kakhulu ngemali ebuyiswayo. Lokhu bakwenza ngaphandle kokunaka ezinye izimo zokusebenzisa le nsimbi, kanye neziphakamiso zezinye izikhungo zezikweletu.

Umphumela uvame ukungasetshenziswa kohlelo olukhethiwe kuphela. Ukukhetha okungalungile kwekhadi kuholela ekulahlekelweni kwenzuzo, obekungatholwa ngenkathi ufaka isicelo selinye ikhadi ledebhithi elinemali ebuyiswayo.

Ukuze wenze ukukhetha okulungile, okokuqala, kufanele uhlaziye ukwakheka kohlangothi lokusetshenziswa kwemali kubhajethi yakho yangasese. Ngemuva kokuhlaziywa, kufanele ukhethe ikhadi elinemali ebuyiselwe imali ezigabeni ezithandwa kakhulu zokuthenga.

Indlela 2. Thenga nabanye abantu

Abasebenzisi abanolwazi bamakhadi asebhange anemali ebuyiswayo batusa ukuthenga ndawonye ukukhulisa inani lembuyiselo.

Ukuze wenze lokhu, kufanelekile ukufaka ekuthengweni okuhlangene izihlobo, abangane, abantu obajwayele, osebenza nabo... Kwanele ukubanikeza ukuthi bakhokhele izimpahla ezidingekayo kusuka ekhadini labo. Umphumela uzoba ukwanda kwenani lezinkokhelo ezingezona imali, okusho ukuthi kuzokwanda ukubuyisa imali.

Indlela 3. Khetha ikhadi lasebhange elihlinzeka ngamanye amabhonasi ngaphezu kokubuyiselwa kwemali

Lapho kukhethwa ikhadi lasebhange elinemali ebuyiswayo, abaningi banaka kuphela inani lembuyiselo. Okwamanje, iphesenti eliphakeme alikwazi ukuqinisekisa izimo ezinhle kakhulu.

Lapho ukhetha ikhadi, kungcono ukugxila kuzinkomba eziyinhloko ezi-2:

1. inani lembuyiselo yezimpahla nezinsizakalo ezithengwa njalo;
2. ukutholakala kwezinhlelo ezengeziwe zebhonasi.

Ngokukhetha ikhadi elihlanganisa 2 lezi zimingcele, iklayenti lithola okungeziwe inzuzo... Akabuyisi kuphela ingxenye yemali esetshenziselwe ukuthenga, kodwa futhi uthola umklomelo ngendlela yamabhonasi ahlukahlukene.

Ngesikhathi esifanayo, ungakhohlwa ukuthi amabhonasi amaningi anesikhathi esilinganiselwe. Ngakho-ke, kufanele kukhethwe amakhadi anezinhlelo ezinjalo, umnikazi angawasebenzisa kungekudala.

Indlela 4. Dwebela izihlobo amakhadi engeziwe

Amabhange amaningi ahlinzeka amakhasimende ukuthi akhiphe amakhadi amaningi edebithi, imvamisa inani lawo lingafinyelela 5... Ngaphezu kwalokho, izinhlangano eziningi zezikweletu zinikeza le nsizakalo mahhala ngokuphelele.

Amakhadi angeziwe angakhishwa axhumene ne-akhawunti yomphathi wekhadi lasebhange bese ehanjiswa kumalungu omndeni. Lokhu kuzokhuphula ↑ izindleko ze-akhawunti, futhi ngenxa yalokho ukukhula ↑ ukubuyisa imali.

Lapho uthatha isinqumo sokukhipha amakhadi angeziwe, kubalulekile ukubheka izinto ezi-2:

1. ukuvimbela ukusetshenziswa kwemali okungalawulwa, umkhawulo othile kufanele usethwe kumakhadi angeziwe;
2. uma kukhona ikhomishini yokukhipha nokuhlinzeka ngamakhadi angeziwe, kufanele uhlole futhi uqhathanise usayizi wawo nemali ebuyiselwayo ebuyiselwe ekusetshenzisweni kwalawo makhadi.

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Amakhadi asebhange anemali ebuyisiwe, ngokungangabazeki, angaletha izinzuzo ezinkulu ngisho nemali engenayo kubaninizo. Kodwa-ke, ukuze uzikhulise, kufanele ukunamathela emithethweni ethile.

Izinyathelo ezi-5 zoku-oda ikhadi lama-debit lamahhala elinenzalo nokubuyiselwa kwemali emuva

7. Ungalithola kanjani ikhadi lasebhange elinensizakalo yamahhala, ukubuyisa imali kanye nenzuzo eyengeziwe - izigaba eziyisihlanu eziyinhloko 📄

Ukugwema izinkinga ngokubhaliswa kwekhadi lasebhange, kubalulekile ukwazi ukuthi yiziphi izinyathelo okufanele zithathwe ukulivula. Ngezansi kwe- imiyalo yesinyathelo ngesinyathelo, ezosiza wonke umuntu ukuthi abe ngumnikazi wamakhadi. Ngesikhathi esifanayo, izigaba zenqubo cishe azincikile ohlotsheni lwekhadi olitholile.

Isigaba 1. Ukukhetha ibhange

Lapho uthatha isinqumo sokukhipha ikhadi lasebhange, okokuqala, kufanele ukhethe ibhange lokusevisa.

Lapho ukhetha isikhungo sekhredithi, kubalulekile ukuthi unake le mibandela elandelayo yokukhipha ikhadi:

• usayizi wekhomishini yokubhalisa nokusebenza;
• isenzo sebhonasi;
• ukutholakala kwemali ebuyiswayo;
• noma ngabe kukhona inzalo eyengeziwe kubhalansi ye-akhawunti.

Lapho kwenziwa uhlu lwamabhange oluthandayo, kufanele ufunde imibandela yokukhipha nokusevisa amakhadi asebhange kuwo. Ngemuva kwalokho, kusala ukuwaqhathanisa bese ukhetha inketho engcono kakhulu.

Kufanele kukhunjulwe ukuthi zonke izindaba ezingaqondakali kufanele zixazululwe ngisho nangaphambi kokusayinwa kwesivumelwano... Ngale njongo, ungashayela i-hotline, ezimeni eziningi kumahhala, noma kuthintwa xoxa kuwebhusayithi yebhange.

Kuphela ngemuva kokuba yonke imininingwane isicacisiwe, ungaqhubeka nokwakhiwa kwekhadi.

Isigaba 2. Ukugcwalisa uhlelo

Amabhange amaningi anamuhla anikela 2 ungasigcwalisa kanjani isicelo sekhadi lasebhange:

1. online esizeni;
2. emnyangweni isikhungo sezikweletu.

Imvamisa, kwanele ukungeza kuhlelo lokusebenza:

• imininingwane yomuntu ophethe ikhadi lesikweletu - isibongo, igama negama, igama lokuzalwa, idatha yepasipoti;
• ulwazi lokuxhumana (inombolo yocingo nekheli le-imeyili);
• ikheli lokubhalisa nelokuhlala;
• imali oyifunayo yekhadi lesikhathi esizayo (amanye amabhange anikela ngamakhadi emali enhlobonhlobo).

Isigaba 3. Ukulethwa kwemibhalo

Lapho ufaka isicelo ku-inthanethi sekhadi lasebhange kulesi sikhathi, kubalulekile ukulinda umyalezo wokuthi ikhadi selilungile. Ngemuva kokutholwa kwayo, uchwepheshe wasebhange uvamise ukuxhumana nekhasimende.

Ngenxa yengxoxo, imigomo yokulethwa kwekhadi lasebhange noma ukuvakashelwa kweklayenti egatsheni lesikhungo sezikweletu kuyavunyelwana.

Isinyathelo 4. Ukuthola ikhadi lasebhange

Kuthatha isikhashana ukuthola ikhadi. Kwanele ukwethula ipasipoti bese usayina isitifiketi sokwamukela... Umsebenzi ube esedlulisela ikhadi lasebhange kumnikazi.

Kanye nepulasitiki, iklayenti lithola imvilophu equkethe Phina... Kuyinhlanganisela eyimfihlo ezimweni eziningi ebandakanya 4 izinombolo.

I-PIN yaziwa kuphela kumnikazi wekhadi lasebhange, ifana nesiginesha ebhalwe ngesandla edingekayo ekuthengisweni. Kubalulekile ukuqinisekisa ukuthi le sethi yezinombolo ayaziwa kubantu besithathu.

Lapho uthola ipulasitiki, kubalulekile futhi ukufaka isiginesha yomnikazi emgqeni okhethwe ngokukhethekile ngemuva kwekhadi. Ngaphandle kwalo, ikhadi lithathwa njengelingavumelekile.

Lapho ufaka isiginesha ekhadini, kubalulekile ukucubungula imithetho eyisisekelo emi-2:

1. kubalulekile ukusebenzisa ipeni lebhola;
2. isiginesha kufanele ifane nepasipoti.

Isinyathelo 5. Ukuqala Ukuthengiselana Kwekhadi Lasebhange

Lapho uthola ikhadi lasebhange, kufanelekile ukucacisa ukuthi ngabe udinga ukulisebenzisa yini. Ezimweni eziningi, izindlela ezilandelayo zingasetshenziselwa ukwenza kusebenze:

• ku-ATM;
• egatsheni lesikhungo sezikweletu;
• ngokushayela ucingo kule nombolo:
• nge-Intanethi kuwebhusayithi yebhange.

Ngesikhathi senqubo yokwenza kusebenze, ungadinga I-PIN yekhadi futhi umakhala ekhukhwiniokucaciswe kuhlu lwemibuzo. Ngemuva kokuqeda izinyathelo zokwenza kusebenze, ungaqala ukusebenzisa ngokugcwele ikhadi lakho lasebhange.

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Ngokulandela ngokucophelela imiyalo yokukhipha ikhadi lasebhange ngenhla, ungaba umnikazi wensimbi yokukhokha elula futhi ngaphandle kwezinkinga.

8. Ungali-oda kuphi ikhadi ledebhithi elinenkokhelo yokubuyisa imali kanye nenzalo engenayo ngaphandle kwemali yokusevisa - Amabhange adumile we-TOP-3

Amakhadi edebithi anikelwa ukuthi akhishwe kuwo wonke amabhange aseRussia. Imibandela yokukhishwa kanye nokusebenza kwale nsimbi yokukhokha kwehlukile yonke indawo. Ngezansi kwe- ukubuyekezwa kwamabhange ama-3 athandwayoezinikezela ngezimo ezinhle kakhulu.

1) Ibhange iTinkoff

Ibhange iTinkoffYisona kuphela isikhungo sezikweletu eRussia esisebenza kude kakhulu. Impela yonke imisebenzi nezinsizakalo kunikezwa lapha kumodi eku-inthanethi.

Ukuze ube ngumnikazi wekhadi lasebhange le-Tinkoff, kufanele ugcwalise okufanele uhlelo lokusebenza kuwebhusayithi yebhange. Lokhu kuvame ukudinga angiphinde 5 imizuzu... Lapho ikhadi selilungile, umsebenzi wasebhange uzoliletha ekhelini eliboniswe yikhasimende.

UTinkoff unikela ngezinhlobo eziningana zamakhadi edebithi wokubhaliswa. Noma ngubani uzothola lapha inketho evumelana naye.

Imibandela eyisisekelo yamakhadi asebhange ingokulandelayo:

• inzalo ebhalansi ngu 7% ngonyaka;
• ukubuyiselwa kwemali ngokudluliswa kwebhange nabalingani bebhange;
• izindleko eziphansi zensizakalo, kufaka phakathi amakhadi wamahhala;
• ukubuyisa imali kusuka ku- 1 ngaphambi 5% (kuya ngesigaba);
• ukubuyiselwa kwemali ezigabeni ozithandayo kuze kufike 30%.

2) I-Alfa-Bank

I-Alfa Bank isebenza emakethe yezezimali yaseRussia nge 1990 konyaka. Inikeza amakhadi wedebithi anhlobonhlobo anezimo ezahlukahlukene.

Amakhadi epulasitiki akhiqizwa yindawo yethu yokucubungula. Lokhu, kanye nenethiwekhi yegatsha ebanzi, ikhulisa kakhulu ijubane lokukhipha amakhadi asebhange.

Izinzuzo eziphambili zezinsimbi zokukhokha ezivela kwa-Alfa-Bank yilezi:

• inethiwekhi ebanzi yamagatsha nama-ATM;
• amandla okukhipha imali ngaphandle kokuthunyelwa kubalingani bebhange, okukuningi;
• imali kwi-akhawunti ibhalansi kuze kufike 7% ngonyaka;
• ukubuyisa imali kusuka ku- 1 ngaphambi 10%.

Phakathi kwamakhadi asebhange, abathandi bebhola, abahambi, abazali, abalandeli bemidlalo yekhompyutha, abathengi bezitolo ezithile nabanye abaningi bazothola inketho efanelekile kubo.

3) I-Sovcombank

Sovcombank unikeza ukukhipha ikhadi lasebhange lamahhala. Okuyinhloko kwayo inzuzo inzalo itholakala kubhalansi kunani elifinyelelwayo 7% minyaka yonke.

Kulokhu, inzalo itholwa njalo ngenyanga. Ngenxa yalokho, inani elifakwe ku-akhawunti liyakhuphuka ↑. Usayizi wokubuyisa imali ungafika ku- 50%.

Kodwa-ke, lapho ufaka isicelo sekhadi lasebhange leSovcombank, kubalulekile ukutadisha ngokucophelela imali ekhokhwayo yokusevisa uhlobo oluthile lwekhadi. Kufanele kukhunjulwe engqondweni leyo mali ayihlali imahhala ngaso sonke isikhathi. Ikhomishini ngoba lo msebenzi ungafinyelela 2,9% wenani lokuhoxa.

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Ukuze kube lula ukuqhathanisa, izimo eziyinhloko zokukhishwa kanye nokuhlinzekwa kwamakhadi asebhange emabhange abhekiwe zivezwe kuthebula elingezansi.

Inhlangano yezikweletu	Imali engenayo ebhalansi yezimali	Imali yokuhoxa	Izindleko zesevisi	Usayizi wokubuyisa imali
I-Tinkoff	Ngaphambi 7% ngonyaka	0%	Ngaphambi 99 ama-ruble ngenyanga	Ngaphambi 30% wenani lokuthenga
I-Alfa Bank	Ngaphambi 7% ngonyaka	Ayikhokhiswa ngokuhoxa kuma-ATM wakho nabalingani	1 990 ama-ruble ngonyaka	Kusuka ku- 1 ngaphambi 10%
Sovcombank	5% ngonyaka, enqwabelene nyangazonke ngofeleba	Ngaphambi 2,9% wenani lokuhoxa	Ingabe mahhala	Ngaphambi 50%

Ngokuya ngemininingwane esetafuleni, iziphetho ezilandelayo zingafinyelelwa:

1. Ukubuyiselwa kwemali okuhle kakhulu - eSovcombank;
2. Insiza yamahhala - eSovcombank;
3. Inzalo ephezulu kakhulu kubhalansi yekhadi - eTinkoff Bank nase-Alfa-Bank.

9. Yikuphi ukukhetha ikhadi lasebhange - amakhadi asebhange amahle kakhulu anenzalo nokubuyiselwa kwemali ✅

Izinhlelo ezintsha zekhadi lasebhange elinemigomo yesevisi enhle kakhulu zihlala zivela emakethe yasebhange yaseRussia.

Phakathi kwamakhadi edebithi amahle kakhulu anenzalo kubhalansi nokubuyiselwa kwemali kukhona okulandelayo:

1. Imali ebuyayo iyikhadi elivela kwa-Alfa-Bank. Ibhalansi ifakwa ku- 7% ngonyaka. Ukubuyiselwa kokufinyelela kufinyelelwe 10%... Ngaphezu kwalokho, ngeke yeqe 2 000 ama-ruble.
2. UTinkoff unikeza ikhadi lasebhange elimnyama. Ngokusho kwayo, imali engenayo ebhalansi yezimali ifinyelela 6% ngonyaka. Imali ebuyisiwe ikhona 1%. Kuzofanele ukhokhele ukusevisa ikhadi by 99 ama-ruble njalo ngenyanga.
3. IMulticard evela kuVTB Bank uthatha imali engenayo kubhalansi enanini 10% minyaka yonke. Kepha ngokwanda kwayo, kubalulekile ukuxhuma inketho Iyalondoloza... Ukuze uthole amabhonasi nokubuyiselwa kwemali, ungakhetha izigaba njalo ngenyanga. Uma kwenzeka ukuthengiselana kwamakhadi okusebenzayo, akukho mali yesevisi ekhokhiswayo.
4. Inkampani yezezimali i-Otkritie inikeza amakhasimende ayo ithuluzi lokukhokha le-Smart Card. Kuzofanele ukhokhele leli khadi lasebhange njalo ngenyanga by 299 ama-ruble... Imali engenayo yebhalansi isuka ku- 3 ngaphambi 7% ngonyaka. Imali ebuyisiwe ikhona 1,5% wenani lezindleko.
5. Iphakheji ye-Premium evela eSKB Bank ikuvumela ukuthi uthole 7% ngonyaka kubhalansi yezimali. Imali ebuyisiwe ikhona 1% yazo zonke izinkokhelo ezingezona ukheshi. Azikho izimali ezingeziwe zokulungisa ikhadi.

Vele, lolu akulona uhlu oluphelele lwezinhlelo ezinikezwa emakethe yasebhange yaseRussia. Kufanelekile ukutadisha ngokucophelela isilinganiso sekhadi lasebhange bese uhlela inketho efanelekile kunazo zonke.

Izimpendulo Zemibuzo Ebuzwa Njalo (FAQ) 💬

Ngenqubo yokufunda amakhadi asebhange, kuphakama inani elikhulu lemibuzo. Ukwehlisa isikhathi esisetshenziselwe ukusesha, ngokwesiko sihlinzeka ngezimpendulo kokudume kakhulu kubo ekugcineni kokushicilelwa.

Umbuzo 1. Ungalikhipha kanjani (i-oda) ikhadi lasebhange lasebhange online?

Namuhla, amabhange amaningi anikeza amakhasimende ukuthi abe ngabanikazi bamakhadi asebhange online ngaphandle kokushiya amakhaya abo. Ukuze wenze lokhu ngaphandle kobunzima obukhulu, kufanele ulandele imiyalo yesinyathelo ngesinyathelo ngezansi.

Izigaba zokufaka isicelo sekhadi lesikweletu zingokulandelayo:

1. Hlaziya okunikezwa ngamabhange ahlukahlukene, funda izimo, ukhethe inketho efanelekile;
2. Vakashela iwebhusayithi yesikhungo esikhethiwe sesikweletu;
3. Ekhasini lomkhiqizo wekhadi okhethiwe, chofoza inkinobho "Uku-oda" noma "Khipha ikhadi"... Futhi kwenzeka "Vula ikhadi lasebhange" (emabhange ehlukene ibizwa ngenye indlela, kepha ingqikithi ihlala ifana).
4. Gcwalisa ifomu evuliwe, ufake idatha eyisisekelo yomuntu siqu kuyo;
5. Thikha ibhokisi eliqinisekisa imvume ekusetshenzisweni kwedatha;
6. Cindezela inkinobho "Thumela uhlelo oluku-inthanethi" ebhange ukuthola ikhadi lasebhange;
7. Linda ucingo oluvela kumqashwa wesikhungo esikweletisa imali, inhloso yakhe ukuvumelana ngokuqhubeka kwenqubo.

Isampula lokugcwalisa isicelo online sekhadi lasebhange

Lapho ukukhiqizwa kwekhadi ledebithi sekuqediwe, kuzothunyelwa ekhelini, noma iklayenti kuzofanele livakashele igatsha lasebhange ukuze lithole ipulasitiki.

Umbuzo 2. Liyini ikhadi lesikweletu lasebhange?

Ikhadi lasebhange lediphozi iyithuluzi lepulasitiki elinikeza ukufinyelela ku- i-akhawunti yediphozi... Ingasetshenziselwa ukukhokhela izimpahla nezinsizakalo, kanye nokukhipha imali. Ngaleli khadi, ungaphatha ama-akhawunti akho.

Okubalulekile! Ikhadi lokufaka alilona ithuluzi elihlukile. Isebenza njengenketho engaxhunywa kunoma yiliphi ikhadi lasebhange.

Abaningi bakholelwa ukuthi ikhadi lediphozi linikeza ukufinyelela kwidiphozi evulwe egameni lomnikazi wayo. Kepha akunjalo. Eqinisweni, ikhadi elinjalo lingathola kuphela inzalo.

Kodwa-ke, yena inzuzo ukuthi ikhadi elinjalo likuvumela ukuthi ulandelele konke okwenziwayo okwenziwe kwi-akhawunti yediphozi. Uma iklayenti lifuna ukufinyelela kwidiphozi yalo ngokushesha ngosuku lokuxhumana, kufanele likhethe elinye ikhadi - ngokushesha.

Uma ufaka isicelo sekhadi ledebhithi lediphozi, kubalulekile ukunaka lezi zici ezilandelayo:

• ukutholakala, kanye nemibandela yokuthola amabhonasi nezaphulelo;
• ukuba semthethweni;
• ijubane lokubhalisa;
• izindleko zokukhululwa, kanye nokunakekelwa;
• ithuba lokuthola amakhadi angeziwe;
• ukusabalala kwama-ATM esikhungo sezikweletu, kanye nabalingani abakhipha imali ngaphandle kokushaja ikhomishini;
• ukutholakala kwesixhumanisi esikhwameni se-elekthronikhi;
• ukutholakala kanye nosayizi wemikhawulo yokuhoxiswa nokudluliswa kwezimali;
• ikhono lokusebenzisa ikhadi lasebhange phesheya;
• imvume ebhange yokusebenzisa ikhadi lediphozithi kwezinye izinhloso, isibonelo, ukuthola impesheni nezinye izinkokhelo.

Kufanele kukhunjulwe ukuthi lapho ukhetha ikhadi lediphozithi nakho kubaluleke kakhulu ibhalansi engenakutholwa... Imele inani lezimali okufanele zihlale zikhona kwi-akhawunti yekhadi.

Kufanele ukunakwa okukhethekile amakhadi wediphozi ane-overdraft... Eqinisweni, bayikhadi lesikweletu, ukuphepha kwalo okuyizimali ezibekwe kwidiphozi.

I-overdraft ingabuyiselwa ngokuzenzakalela ngezindleko zenzalo etholwe kwidiphozi noma ngokusebenzisa inani eliyinhloko lediphozi. Lokhu ngumehluko omkhulu phakathi kwamakhadi anjalo namakhadi wesikweletu wendabuko.

Kodwa-ke, amakhadi wediphozithi e-overdraft anokubucayi kusimo... Yonke inzuzo etholwe kwidiphozi ingaya ukukhokha inzalo yemalimboleko.

Ngakho-ke, ngaphambi kokukhipha ikhadi elinjalo, kubalulekile ukuthi ufunde ngokucophelela izindleko zensizakalo nenani lenzalo etholwe ku-overdraft bese uyiqhathanisa nemali engenayo ediphozithi. Sibhale ku-athikili ehlukile mayelana nokuthi yiliphi ibhange ongavula idiphozi enenzuzo enkulu kuma-ruble noma enye imali yakwamanye amazwe.

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By the way, ukuthola eminye imininingwane yokuthi i-overdraft ekhadini iyini, bona ividiyo:

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Umbuzo 3. Uyini umehluko phakathi kwekhadi lasebhange elibhalisiwe nalelo elingashiwongo ngegama?

Iningi lamakhadi asebhange akhishwe namuhla yilezi ibhalisiwe... Noma kunjalo, emakethe yezezimali yaseRussia umuntu angayithola amakhadi angenagama... Okuyinhloko inzuzo into enjalo yokukhokha iyakhishwa kungakapheli imizuzu.

Eqinisweni, noma ngubani anganquma ngokuzimela yiliphi ikhadi lasebhange okufanele alithole - eqanjwe noma engagagulwanga... Phakathi kwamanye amagama wamakhadi asebhange angenagama angatholakala ekusakazeni avame ukutholakala ongenabuntu futhi kwehlisiwe.

Izici zekhadi lasebhange elingagagulwanga igama:

• imephu enjalo ayinayo imibhalo ebhaliwe, futhi yonke idatha isetshenziswa kuyo nge-laser;
• yonke imininingwane ephathelene nomnikazi iqukethe imininingwane egciniwe yasebhange;
• inombolo yekhadi inikezwa umnikazi othize, kepha igama lakhe alisetshenziswanga kupulasitiki uqobo. Kodwa-ke, ikhadi elingenagama linenkundla yokunamathisela isiginesha yomnikazi.

Uma ikhadi lasebhange lilahlekile noma libiwe, ikhasimende lingalivimba. Ngokulandelayo, unelungelo loku-oda khipha kabusha... Ngaphandle kokwazi ikhodi eyimfihlo eyimfihlo, abantu besithathu ngeke bakwazi ukusebenzisa imali ekhadini.

Abanye bakholelwa ukuthi ukufaka igama lomnikazi ekhadini lepulasitiki kuvumela ukuvikeleka okwengeziwe kwemali yakhe. Noma kunjalo, banephutha. Empeleni amakhadi okungewona awabantu aphephe njengawomuntu siqu.

Amakhadi edebithi angenagama akhishwa yizo zonke izinhlelo ezinkulu zokukhokha: I-Visa, I-MasterCard nabanye. Kodwa-ke, banezinzuzo eziyinhloko zamanye amakhadi asebhange.

Ukuze ube ngumnikazi wekhadi lasebhange elingagagulwanga igama, uzodinga ukusebenzisa imali kungadluli imizuzu eyi-10... Lokhu ngumehluko wayo omkhulu kusuka kupulasitiki wokuqamba, ukwakheka okuvame ukuthatha kusuka ezinsukwini ezimbalwa kuya emavikini ambalwa... Isivinini esiphezulu sokukhishwa kwamakhadi angenziwa ngezifiso kungenxa yokuthi ibhange liwalungiselela kusengaphambili.

Umbuzo 4. Yiziphi izici ezinamakhadi edebithi asheshayo anazo?

Isici esiyinhloko sekhadi ledebithi elisheshayo ngu phezulu⇑ isivinini sokubhalisa... Amabhange amaningi athi ukuze athole lokho kukhokha, iklayenti lizodinga hhayi imizuzu engaphezu kwengu-15.

Kunoma ikuphi, kukhishwa ikhadi elisheshayo ngosuku lokufaka isicelo. Kwanele ukuvakashela igatsha lasebhange nepasipoti.

Ezimweni eziningi, igama lomnikazi aliprintwa ekhadini elisheshayo. Noma kunjalo, amanye amabhange anamandla okukhipha ngokushesha amakhadi epulasitiki ngemininingwane yomnikazi ephrintiwe kuwo.

Kunoma ikuphi, ikhadi elisheshayo lasebhange lifaka ukwenza yonke imisebenzi yamakhadi wendabuko:

• ukuthola imali;
• ukukhokhelwa okungezona ukheshi kwezimpahla nezinsizakalo;
• ukuhlala ezitolo eziku-inthanethi;
• sebenzisa ukukhokha phesheya;
• ukufaka imali ku-akhawunti.

Ezikhungweni eziningi zezikweletu, imali ekhokhwayo yokusevisa amakhadi angewona awomuntu ayihlukile kuleyo yohlobo olufanayo.

Umbuzo 5. Ngingalithenga kuphi (ngivule) ikhadi lasebhange lamahhala elinenzalo nokubuyiselwa imali kwabadala?

Amabhange amaningi ayathuthuka izinhlelo ezikhethekile zokuhlinzekwa kwamakhadi asebhange kulabo abathathe umhlalaphansi... Banikeza yonke imisebenzi eyisisekelo yepulasitiki. Ngaphezu kwalokho, ngaphezu kwalokho, amakhadi anjalo akuvumela ukuthi ubaboleke imali yempesheni. Kuyinto elula kakhulu kunokuthola izinkokhelo zemali.

Ukuze udlulisele impesheni ekhadini, kufanele uyithole ebhange imininingwane yekhadi... Ngemuva kwalokho udinga ukugcwalisa isitatimende esikhwameni sempesheni ekhelini lendawo ohlala kuyo, ekhombisa imininingwane oyitholile. Ukuze kube lula ngabahola impesheni, ezinye izinhlangano zezikweletu zibasiza ukugcwalisa isicelo.

Kubalulekile ukucabangela ukuthi kusukela ngoJulayi ngonyaka owedlule, impesheni ivunyelwe ukuthi ifakwe kumakhadi akhishwe ngaphakathi kweNPS Mir. Ezinye izinhlelo zokukhokha zingasetshenziswa kuphela uma inkokhelo yazo isivele ikhishwe ngaphambilini.

Kumakhadi asebhange empesheni, kanye nawendabuko, kunefayela le- ukubuyisa imali... Insiza yamahhala nayo iyinzuzo enkulu.

Kodwa-ke, akubona bonke abahola impesheni abafuna ukuhlaziya iziphakamiso zenani elikhulu lamabhange befuna inketho efanelekile. Ukuze kube lula, ngezansi kukhona TOP-3 amakhadi asebhange amahle kakhulu asebekhulile anemali eyengeziwe yokubuyisa imali, ekhishwe ngaphakathi Umhlaba we-NPC.

1) Umuntu ohola impesheni weKhadi ovela ebhange lase-Uralsib

Ibhange lase-Uralsib uyilungu lenethiwekhi ye-ATM I-ATLAS... Ngakho-ke, ungakhipha imali ngaphandle kwekhomishini ekhadini elikhishwe yilesi sikhungo sesikweletu cishe yonke indawo.

Ngokwemigomo yekhadi okukhulunywa ngalo, akudingekile ukuthi ufake impesheni ukuze ulisebenzise. Ukuze ubhalise uzodinga ipasipoti futhi i-ID yempesheni.

Phakathi kwemibandela esemqoka yekhadi le-Honorary Pensioner yilena elandelayo:

• ibhalansi engenayo 5% ngonyaka, kuncike ekongeni ekhadini hhayi ngaphansi 5 000 ama-ruble;
• ukufaka nokukhipha imali ngaphandle kwekhomishini kuwo wonke ama-ATM we-NPS Mir;
• ukubuyisa imali 0,5% ufakwa kumakhalekhukhwini;
• amabhonasi ngaphansi kohlelo Lokuncoma;
• ukubhaliswa nensizakalo ngaphandle kokushaja ikhomishini.

Ikhadi likhishwa ngokushesha kunoma yiliphi ihhovisi le-Uralsib Bank.

2) Ukuvulwa Kwebhange Lempesheni

Ukuvulwa kwebhange inenethiwekhi ebanzi yamagatsha nama-ATM kulo lonke elaseRussia. Kulapha lapho ungathola khona imali ekhadini lakho lempesheni ngaphandle kwekhomishini.

Ukubhalisa, kwanele ukuxhumana nehhovisi lesikhungo sezikweletu nge ipasipoti futhi isitifiketi sempesheni... Imephu ivula ngemizuzu embalwa.

Imibandela yalo imi kanje:

• ibhalansi engenayo 3% ngonyaka kuncike ekudlulisweni kwempesheni ekhadini;
• ukubhaliswa kwamahhala nensizakalo;
• ukubuyiselwa kwemali ukukhokhelwa ezikhemisi 3% wenani lokuthenga.

3) Ikhadi lemali yempesheni evela ku-UBRD

Ibhange lase-Ural lokwakha kabusha nentuthuko futhi imelwe kabanzi kuyo yonke insimu yaseRussia.

Kwabahola impesheni, banikela nge-debit card enale mibandela elandelayo:

• imali engenayo ye 3,75% ngonyaka lapho impesheni ifakwa ekhadini;
• ukuthengiselana ngemali ngaphandle kokushaja ikhomishini kuma-ATM e-UBRD nakubalingani;
• usayizi wokubuyisa imali 5% ekuthengeni ekhemisi futhi 0,5% kukho konke okunye okutholakele;
• ukubhaliswa ngokushesha egatsheni lasebhange lapho kwethulwa ipasipoti nempesheni;
• ukubhaliswa kwamahhala nensizakalo.

Amakhadi asebhange akhishwa namuhla kuwo wonke amabhange aseRussia. Ngaphezu kwalokho, ziyehluka ngenani elikhulu lezinsizakalo ezingeziwe - amabhonasi, ukubuyisa imali, inzalo kubhalansi... Lokhu kuvumela abanikazi hhayi kuphela ukuthi bonge, kepha futhi nokuthi bazuze.

Izinhlobonhlobo ezahlukahlukene zivumela noma ngubani ukuthi akhethe ikhadi lasebhange ukuze lihambisane nezidingo zakhe. Ukuze wenze lokhu, kwanele ukuthi ufunde ngokucophelela iziphakamiso zamanje, kanye nezigaba zokubhalisa.

Ekuphetheni, sincoma ukubuka ividiyo ebuka konke mayelana namakhadi wedebithi:

Konke lokho okwethu.

Ithimba le-Ideas for Life lifisela wonke umuntu inhlanhla nokuzinza kwezezimali! Yabelana ngemibono yakho, ubeke amazwana ngesihloko sokushicilelwa bese ubuza imibuzo kumazwana angezansi.

Bukela ividiyo: Earn $500 FREE - COPY PASTE On Facebook ONE Post EASY Make Money Online Facebook (May 2024).