Uyivula njani iakhawunti yebhanki eSingapore

Ukuvula iakhawunti yebhanki eSingapore linyathelo elibalulekileyo kuye nabani na oceba ukuhlala okanye ukusebenza eSingapore. Ungaqala nge I-DBS Bank kwaye IBhanki ye-OCBC.

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.

Inkqubo yebhanki eSingapore

I-Singapore yaziwa kakhulu njengeziko lezemali lamazwe ngamazwe kunye ne-Asian hub ebalulekileyo yokulawula ubutyebi kunye ne-inshurensi. Ngaphezu kwe-150 yemibutho ethatha idiphozithi iquka inkqubo yebhanki yaseSingapore, kuquka iibhanki ziphela, iibhanki ezipheleleyo ezifanelekileyo, iibhanki ezithengisa ngeholesi nezabarhwebi, kunye namashishini axhasa ngemali. Ibhanki ephakathi yaseSingapore, iMonetary Authority yaseSingapore (MAS), yadalwa ngo-1971. Iibhanki ezingoovimba ezintathu zaseSingapore yiDBS, OCBC, kunye neUnited Overseas Bank.

Uyivula njani iakhawunti yebhanki eSingapore

Ukuvula iakhawunti yebhanki eSingapore, kufuneka ukhethe ibhanki ekufaneleyo. Ukwenza olona khetho lungcono, qwalasela imirhumo ehlawulwa yibhanki, iinkonzo ezibonelelwayo, kunye nomgangatho wenkxaso yabathengi. Ezi zinto ziya kukunceda ukhethe ibhanki efanelekileyo kwiimfuno zakho.

Ukuvula iakhawunti yebhanki eSingapore, kufuneka ulandele la manyathelo:

1. Fumana eyona bhanki ilungileyo kwiimfuno zakho ngokwenza uphando.
2. Ukumisela iziqinisekiso kunye nokuqulunqa amaxwebhu afanelekileyo.
3. Ngenisa isicelo kunye namaxwebhu ayimfuneko nokuba kwi-intanethi okanye kwisebe.
4. Thumela idiphozithi yakho yokuqala ukuze uvule iakhawunti yakho.

Ngokhetho olulula, olubhetyebhetye ngakumbi:

ukusebenzisa Wise or Revolut.

Isilumko sibonelela ngeeakhawunti zomntu kunye nezorhwebo ezininzi zokubamba kunye nokutshintshiselana ngeemali ezingama-50+, kubandakanya i-MYR kunye neSGD. Ungadlulisela iintlawulo kwiimali ezingama-80+, ufumane ulwazi lwebhanki yengingqi ukuya kuthi ga kwi-10 leemali zangaphandle, kwaye ufumane ikhadi ledebhithi eliqhagamshelwe kwi-Wise yenkcitho elula.

Kwakhona, unokuvula iakhawunti kunye noBulumko ngaphambi kokuba ufike eSingapore. Iintlawulo zokuvula i-akhawunti kunye nezokugcina zisimahla.

Zeziphi iintlobo zeeakhawunti zebhanki eSingapore

ESingapore, kukho iintlobo ezininzi zeeakhawunti zebhanki abantu kunye namashishini abanokuzikhethela kuzo, kubandakanya:

Iiakhawunti zokulondoloza: 

Ezi akhawunti zebhanki zibonelela ngenzala kodwa zinciphisa ukutsalwa kwemali. Zilungile ukuba ufuna indawo ekhuselekileyo yokugcina kunye nokukhulisa imali yakho.

Iiakhawunti zokujonga: 

Ezi "checking accounts" okanye "current accounts" zezokusetyenziswa mihla le phesheya kolwandle. Yiyo loo nto igama, iiakhawunti ezithile zaseSingapore zokutshekisha zamkela iitshekhi ezibhaliweyo. Ezi tshekhi zinokuzotywa kuyo nayiphi na ibhalansi ye-akhawunti.

Iiakhawunti zemali zangaphandle:

Ezi akhawunti zebhanki zisebenzisa imali ngaphandle kwedola yaseSingapore. Abantu baseSingapore bachitha kwaye bathethe ngeemali ezahlukeneyo ngaphandle kwedola yaseMelika, eyona nto ixhaphakileyo kwiiakhawunti zemali zangaphandle.

Ngaba abantu basemzini bangakwazi ukuvula iiakhawunti zebhanki zaseSingapore kwi-Intanethi

Ukuba ungumthengi wamazwe ngamazwe ujonge ukwenza iakhawunti yebhanki eSingapore, ungayenza kwi-intanethi nge-OCBC, UOB, kunye ne-Singpass yezinye iibhanki ezifana ne-DBS.

Yiyiphi imali esetyenziswa yiSingapore

ISingapore isebenzisa idola yaseSingapore (SGD) njengemali yayo esemthethweni. I-S$ luphawu lwemali. Ineesenti ezili-100 kuyo. I-Monetary Authority yaseSingapore (MAS) inoxanduva lokukhupha nokulawula imali.

Ungalifumana njani isebe elikufutshane eSingapore

Ngethamsanqa, uninzi lweebhanki zaseSingapore zinothungelwano olubanzi lwamasebe kunye nee-ATM, okwenza kube lula kubathengi ukuba bafikelele kwiimali zabo kwaye balawule iimali zabo.

Ungachwetheza "iibhanki ezikufutshane neJurong West" kwiiMephu zikaGoogle okanye nayiphi na enye imephu yeapp. Apho unokufumana uluhlu lwamasebe afanelekileyo onokuqhagamshelana nawo. Ungakhangela indawo yakho isebe elikufutshane ukuba ukude neSingapore. Banokukunceda ufumane ibhanki eSingapore.

umthombo: Imali Smart

Umfanekiso wekhava useSingapore. Ifoto ngu Rasheed Kemy on Unsplash