Uyivula njani iakhawunti yebhanki eOstreliya

Ukuvula iakhawunti yebhanki eOstreliya linyathelo elibalulekileyo kuye nabani na oceba ukuhlala okanye ukusebenza eOstreliya. Ungaqala nge I-ANZ kwaye IBhanki yeCommonwealth.

Ukuba neakhawunti yebhanki kwenza ukuba ukufumana kunye nokugcina umkhondo wemali kufikeleleke ngakumbi. Ikwafuneka nakwizinto zemihla ngemihla ezinjengokwenza irente, ukuhlawulwa, nokuthenga izinto.

I-akhawunti yebhanki igcina imali kwiintlawulo ze-ATM kwaye yenza lula ulawulo lwemali ngokuvumela iintlawulo zemivuzo elula kunye nokumisela ii-debits ezichanekileyo ezifanelekileyo zokuhlawula amatyala.

Uninzi lwewebhusayithi okanye usetyenziso oludityaniswe ngezantsi lungesiNgesi. Sebenzisa Isiguquleli sikaGoogle, Tarjimly, okanye nayiphi na enye inkonzo yoguqulelo ukuba uyayifuna.

Yintoni ekufuneka uyazi ngaphambi kokuvula iakhawunti yebhanki yaseOstreliya

Phambi kokuba uvule iakhawunti yebhanki eOstreliya, phanda ngeeakhawunti kunye neenkonzo abazinikezelayo.

Abantu basemzini abafuna iakhawunti yebhanki yaseOstreliya kufuneka bajonge ezi meko:

Imirhumo encinci: Fumana iakhawunti yasimahla okanye ephantsi.

Ukufikelela kumasebe: Ukuba ufaka imali yamazwe ngamazwe okanye iitshekhi kwisebe, khetha ibhanki enamasebe asekuhlaleni. Khumbula ukuba ezinye iibhanki zisebenza kwi-intanethi kuphela.

Udluliselo kumazwe angaphandle: Ukuba ngamanye amaxesha uthumela imali ekhaya, jonga iindleko zokudluliselwa kwamanye amazwe kunye namaxabiso emali.

Iimali ezahlukeneyo: Ukuba undwendwela ekhaya rhoqo kwaye ufuna imali yasekhaya, iiakhawunti ezininzi zebhanki zikuvumela ukuba ugcine iimali ezininzi zangaphandle.

Emva kokukhetha ibhanki kunye neakhawunti:

ukuphonononga inkqubo yesicelo kunye nobungqina obuya kubufuna;

njengencwadana yokundwendwela,

ikhadi letyala langaphandle/ID yomfundi, kunye;

ileta evela kuwe eqinisekisa ukuba uhlala eOstreliya.

Uyivula njani iakhawunti yebhanki eOstreliya

Ukuba ungumntu ongaphandle kwaye uyazibuza ukuba ungayenza na iakhawunti yebhanki eOstreliya njengomntu ongengommi, uya kukhululeka kukufunda ukuba ungayenza.

Ukuvula iakhawunti yebhanki eOstreliya, 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 isazisi esisebenzayo, ubungqina bokuba uhlala kwindawo ohlala kuyo (obufana nekhontrakthi yokurenta okanye ibhili yoncedo), kunye nobungqina bengqesho okanye ukubhalisa esikolweni.

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.

Zeziphi iintlobo zeeakhawunti zebhanki eOstreliya

EOstreliya, kukho iintlobo ezininzi zeeakhawunti zebhanki abantu kunye namashishini abanokukhetha kuzo, kubandakanya:

Iiakhawunti zentengiselwano eziphambili ikuvumela ukuba uhlawule amatyala, uthenge, kwaye uchithe. Abafane bavelise inzala kwaye bahlala bebiza imirhumo yenyanga.

I-akhawunti yokugcina ngokuqhelekileyo ziquka ii-akhawunti zentengiselwano. Bakuvumela ukuba wonge imali yeemoto kunye neeholide phesheya kwaye ufumane inzala.

Idiphozithi yexesha yiakhawunti yebhanki yexesha elimiselweyo enenzala eyahlukileyo.

IiMfuno zeAkhawunti yeBhanki yaseOstreliya

Iimfuno zamaxwebhu eebhanki zase-Australia zifakwe amanqaku kwinkqubo yamanqaku. Uluhlu lwamaphepha lunikiwe, kwaye isixa esithile samanqaku sabelwe ngamnye.

Abathengi abatsha kuyo nayiphi na ibhanki yaseOstreliya okanye iziko lezemali kufuneka libonelele ngoku kulandelayo:

Ukuchongwa ngexabiso elincinci lamanqaku angama-100.

Kuya kufuneka unikeze le ngcaciso xa uvula iakhawunti entsha yebhanki eOstreliya, kodwa ungayenza nge-elektroniki endaweni yokundwendwela isebe.

Ungafumana amanqaku ali-100:

ID ngokubonisa ipasipoti yakho,

Isetifiketi sokuzala,

okanye ilayisenisi yokuqhuba.

Amaxwebhu eSekondari ngama-40, ama-35, okanye amanqaku angama-25, ngelixa amaxwebhu aphambili axabisa amanqaku angama-70.

Kumaxwebhu esibini anamanqaku angama-40, uya kufuna oku kulandelayo:

1. Isetifiketi sokuzala.
2. I-NSW yoBhaliso lwekhadi lokuZalwa
3. Isatifiketi sobumi
4. Ipasipoti yangoku
5. Ipaspoti ephelelwe lixesha eneminyaka emibini yokusebenza ngokusemthethweni.
6. Amaphepha esazisi kunye namanye amaphepha afana nencwadana yokundwendwela

Kumaxwebhu esibini anamanqaku angama-35, uya kufuna oku kulandelayo:

1. Amaphepha okhuseleko lwepropathi yomthengisi wemali.
2. Isaziso sentlawulo yebhunga
3. Uxwebhu lweOfisi yeeTayitile zoMhlaba
4. Uxwebhu olusuka kwingqesho yakho yangoku okanye yangaphambili kwiminyaka emibini
5. Iimali zokubambisa zamaziko emali okanye ezinye izixhobo zokhuseleko

Amaphepha esibini anamanqaku angama-25 afuna:

1. Isatifikethi somtshato (igama nje lentombi)
2. Ikhadi letyala
3. Ilayisensi yangaphandle
4. Isazisi seMedicare
5. Ikhadi le-EFTPOS
6. Iminyaka yakho elishumi yokugqibela kumabanga aphantsi, amabanga aphakathi okanye aphakamileyo.
7. Irekhodi yobulungu bobuchwephesha okanye borhwebo

Kodwa, ngokubanzi, ukuvula iakhawunti yebhanki eOstreliya, uya kufuna oku kulandelayo:

1. Ilayisensi yokuqhuba, incwadana yokundwendwela, okanye ikhadi lesazisi lesizwe
2. ivisa
3. Ubungqina beedesi
4. Ibhili yombane yakutsha nje
5. Isivumelwano sokuqeshisa
6. Ulwazi lobhaliso lweOfisi yeRhafu yase-Australia
7. Ulwazi lomvuzo kunye nomqeshi

Ngaba umntu wangaphandle angavula iakhawunti yebhanki eOstreliya

Abantu bamanye amazwe banokuvula iiakhawunti zebhanki. Uninzi lweebhanki zaseOstreliya zivumela abantu bangaphandle ukuba baseke iiakhawunti ngaphandle kokutyelela ilizwe. Uninzi lweebhanki lubonelela ngokuvula iakhawunti ye-intanethi okanye yefowuni.

Iakhawunti yakho inokuvulwa kwiinyanga ezintathu ukuya kwezilishumi elinambini phambi kokufika kwakho. Kuyakuthatha malunga nemizuzu emi-5 ukuya kweli-10 ukugqiba.

Nangona kunjalo, njengomntu omtsha ofaka isicelo osuka ngaphandle kweOstreliya, kuya kufuneka uzimase isebe lendawo ohlala kuyo ngesazisi sakho namanye amaphepha. Iakhawunti yakho entsha ingasetyenziswa ngokupheleleyo emva koku.

Ngaba ndingavula iakhawunti yebhanki yaseOstreliya phesheya

Unokwenza iakhawunti yebhanki eOstreliya kwi-intanethi: ngefowuni okanye ngokobuqu phambi kokuba uze.

Ukuba ufaka isicelo kwi-intanethi, kuya kufuneka undwendwele isebe laseOstreliya elinamanqaku ayi-100 esazisi.

Incwadana yokundwendwela, ikhadi letyala lamazwe ngamazwe/isazisi somfundi, kunye neleta ozibhalele yona emisela ukuba ngumhlali wase-Australia zizazisi ezamkelekileyo. Kwisebe, yiza naloo maphepha.

Loluphi uhlobo lwemali olusetyenziswa yiOstreliya

I-Australia isebenzisa iDola yase-Australia (AUD, AU $) njengemali yayo esemthethweni. Ixabiso ledola enye lichazwa njengexabiso leesenti ezilikhulu. Iidola zaseOstreliya zifumaneka kwiinkonzo ze-$100, i-$50, i-$20, i-$10, ne-$5. Iingqekembe ziyafumaneka kwi-$1 kunye ne-$2 yamatyala.

Ungalifumana njani isebe elikufutshane eOstreliya

Ngethamsanqa, uninzi lweebhanki zaseOstreliya zinenethiwekhi ebanzi yamasebe kunye nee-ATM, zenza kube lula kubathengi ukuba bafikelele kwiimali zabo kwaye balawule iimali zabo.

Ungachwetheza "iibhanki ezikufutshane neMelbourne" kwiiMephu zikaGoogle okanye nayiphi na enye imephu yeapp. Apho unokufumana uluhlu lwamasebe afanelekileyo onokuqhagamshelana nawo. Ungakhangela indawo yakho elona sebe likufutshane ukuba ukude eOstreliya. Banokukunceda ufumane ibhanki eOstreliya.

umthombo: IlizweRemit

Umfanekiso wekhava useOstreliya. Ifoto ngu U-Helena Lopes on Unsplash