Ukuvula iakhawunti yebhanki linyathelo elibalulekileyo kuye nabani na oceba ukuhlala okanye ukusebenza eOstriya. Ungaqala nge Ibhanki yase-Austria kwaye Raiffeisen Zentralbank. Ukuba neakhawunti yebhanki kwenza kube lula ukufumana nokulawula iimali zakho. Kukwayimfuneko nakwimisebenzi yemihla ngemihla, njengokuhlawula irente, ukufumana umvuzo, okanye ukuthenga.
Ukuvula i-akhawunti yebhanki yase-Austrian kubalulekile kwii-ex-pats ngenxa yoqoqosho lwase-Austria olusekelwe kwimali, ukonga kwiimali ze-ATM, ukuququzelela ukuhlawulwa kwemivuzo, kunye nokwenza kube lula ukusekwa kwee-debits ngqo kwiibhili.
Uyivula njani iakhawunti yebhanki eOstriya
Inkqubo yezemali yaseAustria yakhiwe phezu kweentsika ezintathu: urhwebo lwabucala, ukonga koluntu, kunye neebhanki zentsebenziswano. Xa ukhetha ibhanki ukuvula iakhawunti eOstriya, kubalulekile ukuqwalasela izinto ezininzi, kubandakanya imirhumo, iinkonzo ezikhoyo, kunye nenkxaso yabathengi.
Ukuvula iakhawunti yebhanki eOstriya, kufuneka ulandele la manyathelo:
Khetha ibhanki: Khangela iibhanki ezahlukeneyo kumntu okanye kwi-intanethi ukuze ufumane leyo ifanele iimfuno zakho.
Qokelela amaxwebhu ayimfuneko: Unokufuna incwadana yokundwendwela okanye i-ID esebenzayo, ubungqina bendawo yokuhlala (ngokuqhelekileyo i-Meldezttel kunye ne-bill utility), kunye nobungqina bengqesho okanye ukubhaliswa kwesikolo.
Yenza idinga: Qhagamshelana nebhanki kwaye wenze idinga lokuvula iakhawunti.
Ndwendwela ibhanki ngokobuqu: Yiza namaxwebhu akho kwidinga uze ugcwalise iifomu eziyimfuneko, okanye ungafaka isicelo kwi-intanethi.
Lindela ukuvula iakhawunti: Emva kokuba ibhanki isivumile isicelo sakho, baya kuvula iakhawunti yakho.
Ngaba abantu basemzini bangenza iakhawunti yebhanki eOstriya
Nangona i-Austria ilumkile malunga nokuvumela abantu abangahlaliyo ukuba bavule iiakhawunti zebhanki, kunokwenzeka ukuba iibhanki ezininzi ngoku zibonelela ngeenketho zeakhawunti zamazwe ngamazwe. Nangona kunjalo, kwiimeko ezininzi, ukuvula i-akhawunti kuya kufuna utyelelo lomntu ebhankini, kwaye kubathengi bangaphandle, ngokuphindaphindiweyo isebe elikhethekileyo elijongene kuphela nabathengi abanjalo.
Kuyacetyiswa ukuba uqhagamshelane nebhanki ekhethwayo kwangaphambili ukuze ubuze malunga namaphepha ayimfuneko phambi kokuthatha uhambo. Iibhanki ezininzi zikwavumela abemi bamanye amazwe angamalungu e-SEPA ukuba bavule iiakhawunti.
Zeziphi iintlobo zeeakhawunti zebhanki e-Austria
EOstriya, kukho iintlobo ezininzi zeeakhawunti zebhanki abantu kunye namashishini abanokukhetha kuzo, kubandakanya:
Jonga i-akhawunti (I-akhawunti yangoku): Yenzelwe ukusetyenziswa komntu kwaye iyinxalenye yebhanki yokuthengisa. Iiakhawunti zangoku ziza nekhadi lebhanki elikuvumela ukuba usebenzise ii-ATM.
ISparbuch (i-akhawunti yokonga): Olu hlobo lweakhawunti apho abathengi banokugcina imali kwaye bafumane inzala kwiidiphozithi zabo. Inzala kwiiakhawunti zogcino eOstriya iqhelekile kunolunye uhlobo lotyalo-mali.
Iakhawunti edibeneyo. Le akhawunti yebhanki yenzelwe izibini, oku kuthetha ukuba abanini bafumana amakhadi amabini ebhanki kwiakhawunti ekwabelwana ngayo.
ikhadi lamatyala (amakhadi okuthenga ngetyala): Amakhadi okuthenga ngetyala asuka kwiinkampani ezifana neVisa kunye ne-Mastercard zihlala zinemirhumo eyongezelelweyo. Iibhanki kufuneka zivume izicelo zekhadi letyala, ngokuqhelekileyo kubathengi abakhoyo kuphela.
IiBhanki eziBalaseleyo eOstriya: Isikhokelo sabaThengi
Xa ukhetha ibhanki e-Austria, kubalulekile ukuqwalasela iinjongo zakho zemali, iimfuno, kunye nezinto ozikhethayo. Ukongezelela, nganye yezi bhanki inamandla kunye nobuthathaka bayo. Ngoko ke, kubalulekile ukuphanda kwaye uthelekise iimveliso kunye neenkonzo ezibonelelwa yibhanki nganye phambi kokuba wenze isigqibo.
Nazi ezinye zezona bhanki zibalaseleyo eOstriya ekufuneka uziqwalasele:
Ukuba ufuna ukuququzelela udluliselo lwemali lwamazwe ngamazwe e-Austria, ungakwenza oko usebenzisa aba baboneleli balandelayo abaqhelekileyo:
Ungalifumana njani isebe elikufutshane eOstriya
Ngethamsanqa, uninzi lweebhanki zaseOstriya zinenethiwekhi enkulu yamasebe kunye nee-ATM, okwenza kube lula kubathengi ukuba bafikelele kwiimali zabo kwaye balawule iimali zabo.
Ungachwetheza "iibhanki ezikufutshane neVienna" kwiiMephu zikaGoogle okanye nayiphi na enye imephu yeapp. Apho unokufumana uluhlu lwamasebe afanelekileyo onokuqhagamshelana nawo. Ukuba awukho eOstriya, unokukhangela indawo okuyo isebe elikufutshane. Banokukunceda ufumane ibhanki e-Austria.
Ungawufumana njani umatshini wemali eOstriya
Thetha naye nabani na okhe wahamba okanye wasebenza eOstriya. Uya kufumanisa ukuba abanye abahlobo bakho okanye usapho lwakho luyawazi amasebe ebhanki akufutshane. Buza ngeenxa zonke kwaye ufumane amathuba phakathi kwabafowunelwa bakho. Isixhobo esilula sokwenza oko yiyo nayiphi na imephu yeapp. Apha ngezantsi, umzekelo, ukhangelo lweemephu zikaGoogle "kwii-ATM ezikufutshane neSalzburg."
umthombo: N26, IYurophu yakho
I-caption yomfanekiso wekhava ngasentla ngu EVienna, eAustria. Ifoto ngu uya kufunda on Unsplash.