No nā haole a i ʻole kamaʻāina, kekahi mau kaʻina hana koi ʻia e wehe i kahi waihona kālā ma Farani. No ka ʻike hou aku e pili ana i nā panakō maikaʻi loa a me nā kaʻina hana, e ʻike i kā mākou ʻatikala.
Hiki iaʻu ke wehe i kahi waihona kālā ma waho? ʻO wai nā panakō e ʻae i ka poʻe noho ʻole? He aha nā palapala e pono ai nā haole e wehe i kahi waihona waihona? Nā haole a hiki i nā mea noho ʻole ke noi i ka wehe ʻana i kahi waihona waihona? Pehea e hiki ai iaʻu ke mālama i ka manawa? He aha ka hopena inā hōʻole ʻia kaʻu noi?
Hōʻike kēia ʻāpana pehea e wehe ai i kahi waihona kālā ma Farani inā he kamaʻāina ʻoe.
1 E ʻimi i kahi panakō e ʻae ana i nā haole ma waho.
Inā ʻoe e ʻimi nei i kahi panakō e ʻae i ka poʻe noho ʻole, e ʻike iā Boursorama Banque, N26 a me Revolut. ʻElua mau hihia: inā ʻaʻole ʻoe he kamaʻāina Farani a i ʻole he kamaʻāina Farani ʻoe. Inā ʻoe i Farani no ka liʻiliʻi o hoʻokahi makahiki, no ka laʻana he haumāna a huakaʻi paha, hiki iā ʻoe ke wehe i kahi moʻokāki ma waho me kahi panakō kelepona. No ka wehe ʻana i kahi moʻokāki ma kahi waihona pūnaewele a i ʻole ka waihona kuʻuna, pono ʻoe e kali i hoʻokahi makahiki.
2 Ka lawe ʻana i ka ʻikepili pilikino
No ka wehe ʻana i kahi waihona kālā ma waho, pono ʻoe e hoʻopiha i kahi palapala e lawe ana ma kahi o ʻelima mau minuke. He maʻamau ka ʻike i koi ʻia. E noi ʻia ʻoe no ka ʻike pilikino e pili ana i ka hāʻawi āu i koho ai (helu ID, lā hānau, ʻāina a me ka ʻāina), a me kāu kikoʻī pili a me kahi pepa ʻike pōkole. Hiki iā ʻoe ke nānā a kau inoa i ka ʻaelike i hoʻopau ʻia ma ka pūnaewele.
ʻO ka manawa e pono ai e hoʻopiha i ka palapala pūnaewele no ka wehe ʻana i kahi moʻokāki ma waho e pili ana i ka panakō āu e koho ai: nā panakō pūnaewele a me nā kelepona kelepona e like me Nickel, Revolut a i ʻole N26 hāʻawi i nā palapala hiki ke hoʻopau wikiwiki loa. Pili kēia i nā panakō kuʻuna, e like me HSBC.
3 No ka poʻe noho ʻole e wehe i kahi waihona kālā, pono nā palapala ma lalo nei.
- Palapala palapala a i ʻole kāleka ʻike
- Palapala hoʻolimalima a i ʻole nā hōʻoia ʻē aʻe o ka helu wahi
– Laʻana pūlima
– Kou palapala noho noho ina oe e hopohopo nei
I kēia hihia, ʻo ka manawa i koi ʻia no ka hōʻoia ma hope o ka hoʻoili ʻana e pili ana i ka panakō i koho ʻia. Ma ka awelika, ʻelima mau lā, akā me ka waihona kālā kelepona, e like me N26, pono ʻoe e kali i 48 mau hola e hoʻopili ai i kāu waihona kālā a loaʻa iā RIB. Me Nickel, ʻoi aku ka wikiwiki, me ka hana ʻana i nā moʻokāki kokoke koke.
4 Hana i kāu waihona mua.
Pono ʻia kahi waihona liʻiliʻi e wehe i kahi moʻokāki no kahi kamaʻāina ʻole, ʻo ia ka hōʻoia o ka panakō e hoʻohana maoli ʻia ka moʻokāki. Hoʻolimalima kekahi mau panakō i nā uku hana ʻole, pono e uku ʻia i ka wā e wehe ai i ka waihona. ʻOkoʻa ka waihona liʻiliʻi mai ka panakō i ka panakō, akā ʻo ka maʻamau ma kahi o 10 a 20 euros.
No ka mea he manuahi mau ka wehe ʻana i kahi waihona kālā no nā haole, ʻaʻole uku nā panakō i ka waihona mua. Ma ka awelika, hoʻoili ʻia ke kālā i loko o ʻelima mau lā ʻoihana. Ke hoʻā ʻia ke kāleka, hiki ke hana ʻia nā uku a me nā unuhi.
He aha nā panakō pūnaewele nui?
BforBank: ka panakō e like me kā lākou
ʻO BforBank kahi lālā o Crédit Agricole i hana ʻia ma ʻOkakopa 2009. Aia i kēia manawa he 180 mau mea kūʻai aku a ʻo ia kekahi o nā mea koʻikoʻi o ka waihona kālā pūnaewele. Hāʻawi ia i kahi ākea o nā huahana a me nā lawelawe, me nā waihona panakō, nā huahana mālama mālama, nā hōʻaiʻē pilikino, nā moraki a me nā lawelawe pilikino. ʻAʻole e haʻi ʻia, kahi kāleka hōʻaiʻē a me kahi keʻena overdraft, ʻelua manuahi. Hiki iā ʻoe ke hoʻopuka i nā loiloi kikohoʻe.
ʻO Bousorama Banque: ka panakō a mākou e makemake ai e paipai
ʻO Boursorama Banque kekahi o nā waihona pūnaewele kahiko loa, he lālā o Société Générale, nona ka 100% mai kona lawe ʻana e CAIXABANK. Hoʻokumu ʻia ma 1995, ua hoʻomaka mua ʻo ia i ke kālepa kālā pūnaewele. A laila i ka makahiki 2006, ua hoʻololi ʻo ia a hoʻonui i kāna hāʻawi ʻana i nā moʻolelo o kēia manawa. I kēia lā, hāʻawi ʻo Boursorama Banque i nā hōʻaiʻē, ʻinikua ola, nā waihona mālama kālā, nā haole a me ka waihona kālā pūnaewele. Hāʻawi ʻia ke kāleka hōʻaiʻē a me ke koena no ka manuahi. Loaʻa ke komo pololei i nā moraki ma ka pūnaewele a me nā uku kelepona. Me ka poina ʻole, eia nō hoʻi ka hāʻawi ʻana i kahi leka uila. Manaʻo ka waihona kālā pūnaewele e hōʻea i 4 miliona mau mea kūʻai ma 2023.
ʻO Fortuneo Banque: ka waihona maʻalahi a maikaʻi
Ua hoʻokumu ʻia ʻo Fortuneo, kahi hui uku kelepona, ma 2000 a ua loaʻa iā Crédit Mutuel Arkéa ma 2009, i hui pū me Symphonis e lilo i panakō. Ma mua o kēlā, ua loea ʻo ia i ke kālepa waiwai a me ke kālā. Hāʻawi ʻo Fortuneo i nā lawelawe āpau i hāʻawi ʻia e nā panakō nui, me nā moraki, ʻinikua ola, mālama kālā a me ka ʻinikua kaʻa. Ma 2018, ʻo Fortuneo ka mua e-bank Farani e hoʻolauna i nā uku pili ʻole.
ʻO ia wale nō ka panakō pūnaewele e hāʻawi i ke kāleka MasterCard World Elite me ka uku ʻole, akā ʻaʻole wale. Loaʻa ka overdraft me ka uku ʻole.
HelloBank: ka panakō ma kou manamana lima
Ua hoʻomaka ʻia nā uku kelepona Hello Bank ma 2013 me ke kākoʻo o ka ʻoihana panakō kuʻuna o BNP Paribas e huki i ka helu nui o nā mea kūʻai aku. Loaʻa nā huahana a me nā lawelawe āpau o BNP Paribas i nā mea kūʻai aku o Allo Bank a puni ka honua. Hāʻawi ʻo Hello Bank i kāna mau mea kūʻai aku i kahi pūnaewele o kahi 52 ATM ma 000 mau ʻāina. Aia ka panakō ma Germany, Belgium, Austria, France a me Italia a hāʻawi i kahi ākea o nā lawelawe panakō. Loaʻa ka leka uila a me ke kāleka hōʻaiʻē manuahi.
MonaBank: ka panakō e hoʻomaka ana i nā kānaka
He lālā ʻo Monabank o ka hui Crédit Mutuel, i ʻike ʻia no kāna slogan "People before money", i hoʻokumu ʻia ma 2006. Ma ka lā ʻo Dekemaba 2017, ua loaʻa iā Monabank ma kahi o 310 mau mea kūʻai. ʻO Monabank wale nō ka panakō pūnaewele i hāʻawi ʻole i nā kāleka hōʻaiʻē manuahi. ʻO ke kāleka Visa maʻamau e uku ʻia €000 i kēlā me kēia mahina a ʻo ke kāleka Visa Premier he € 2 i kēlā me kēia mahina. Ma ka ʻaoʻao ʻē aʻe, ʻaʻohe manuahi a me ka palena ʻole o ka hoʻihoʻi kālā ma ka ʻāpana euro.
ʻAʻohe koi kālā a Monabank a ua lanakila ʻo ia i ka makana Customer Service of the Year i nā manawa he nui i ka lālani.
N26: ka panakō āu e aloha ai
Loaʻa iā N26 kahi laikini panakō ʻEulopa, ʻo ia ka mea e kau ʻia kāna mau moʻokāki i nā hōʻoia like me nā ʻoihana hōʻaiʻē i hoʻokumu ʻia ma Farani. ʻO ka ʻokoʻa wale nō ʻo ka helu helu IBAN e like me ka waihona Kelemania. Hiki ke wehe ʻia a mālama ʻia kēia moʻohelu kanaka makua ma o ka polokalamu kelepona o ka panakō, ʻaʻohe loaʻa kālā a i ʻole koina noho.
Ua kūpono ka moʻokāki N26 me nā hoʻoili panakō, me nā hōʻaiʻē pololei. Hiki ke hoʻololi ʻia ʻo MoneyBeam ma waena o nā mea hoʻohana N26 ma o ka helu kelepona a i ʻole ka leka uila. ʻAʻole loaʻa nā overdrafts, ke kālā a me nā loiloi no nā mea hoʻohana Farani. Eia nō naʻe, inā ʻoe e hoʻolilo kālā i kahi papahana a i ʻole kahi hoʻomaka, hiki iā ʻoe ke loaʻa a hiki i ka € 50 i nā hōʻaiʻē N000.
Nickel: he mooolelo no na mea a pau
Ua hoʻokumu ʻia ʻo Nickel i ka makahiki 2014 e Financière des Payments Electroniques a ua loaʻa iā ia mai 2017 e BNP Paribas. Ua māhele mua ʻia ʻo Nickel i 5 mau mea paka. Hiki i nā mea kūʻai ke kūʻai i kāleka mālama Nickel a wehe pololei i kahi moʻokāki ma ia wahi. I kēia lā, ua lilo ʻo Nickel i mea demokalaka a hāʻawi i nā lawelawe waihona kālā maʻalahi i kēlā me kēia. Hiki ke wehe ʻia nā moʻohelu Nickel i ka lā hoʻokahi, me ka ʻole o nā kūlana lālā a i ʻole nā uku huna, i ka paka a i ʻole ma ka pūnaewele ma lalo o ʻelima mau minuke.
Bank Orange: ua hana hou ka panakō
Hoʻokuʻu ʻia i Nowemapa 2017, ʻo ka panakō pūnaewele hou loa, ʻo Orange Bank, ke loaʻa nei ka hopena nui. I loko o nā makahiki ʻehā mai kona hoʻokuʻu ʻia ʻana, ua loaʻa i ka panakō uila o ke kelepona pilikua ma kahi o 1,6 miliona mau mea kūʻai. ʻO ka hāʻawi mua ʻana i nā moʻolelo o kēia manawa, hāʻawi pū ʻo Orange Bank i nā waihona mālama kālā a me nā hōʻaiʻē pilikino. Noho ʻo Orange Bank i kahi kūlana kūʻokoʻa ma waena o ka waihona kālā pūnaewele a me ka waihona kālā kelepona. No ka laʻana, hiki ke hoʻopili pono ʻia nā kāleka Orange Bank mai ka app. ʻO ka hoʻololi ʻana i nā palena, ka hoʻopaʻa ʻana / wehe ʻana, ka hoʻāla ʻana / ka hoʻopau ʻana i nā uku pūnaewele a me ka pili ʻole, etc. ʻO Orange Bank ka mea mua i hana i kahi "haʻawina ʻohana". ʻOhana Bank Orange: me kēia pūʻolo, loaʻa iā ʻoe kahi makana hou aʻe a hiki i ʻelima mau kāleka keiki no ka €9,99 wale nō i kēlā me kēia mahina.
Revolut: ka panakō akamai
Hoʻokumu ʻia ʻo Revolut ma 100% ʻenehana kālā kelepona, no laila hiki i nā mea kūʻai ke hoʻokele i kā lākou moʻokāki a me ka waihona kālā ma o ka app Revolut. Hāʻawi ka hui i ʻehā mau lawelawe. ʻAʻole manuahi ka lawelawe maʻamau a uku ʻia ʻo €2,99 i kēlā me kēia mahina.
Hiki i nā mea paʻa moʻokāki Revolut ke hoʻohana i ka polokalamu kelepona e hoʻoili i ke kālā i kā lākou mau moʻokāki a hana i nā hana panakō āpau mai laila. No ka laʻana, hiki iā ʻoe ke hana i nā kālepa kālā, nā hoʻoili panakō, nā kauoha kālā a me nā hōʻaiʻē pololei.
Eia naʻe, ʻaʻole hiki i ka mea mālama kālā ke hana i nā uku i ʻoi aku ma mua o ka huina kālā i waiho ʻia i loko o ka waihona. Ke hana nei nā mea a pau ma kēia ʻano, pono e hoʻopaʻa mua ka mea paʻa i ka moʻokāki a laila hiki ke hana i nā uku ma ka hoʻoili panakō a i ʻole kāleka hōʻaiʻē.
He aha ka hoʻohana ʻana i kahi kāleka debit?
ʻO ke kāleka hōʻaiʻē (e like me nā kikoʻī) he ala e uku ai i kahi moʻokāki o kēia manawa (pilikino a hui pū paha) a, e like me nā kikoʻī, ʻo ia ke ʻano uku maʻamau ma Farani. Hiki ke hoʻohana ʻia lākou e kūʻai pololei ma nā hale kūʻai a i ʻole ma ka pūnaewele a e hoʻihoʻi i ke kālā mai nā ATM a i ʻole nā panakō.
Hiki ke hoʻopuka ʻia nā kāleka hōʻaiʻē e nā panakō a me nā ʻoihana ʻē aʻe. Hiki iā lākou ke hoʻokomo i nā lawelawe ʻē aʻe e like me ka inikua a i ʻole nā lawelawe hoʻopaʻa inoa.
ʻO nā ʻano kāleka uku like ʻole a me kā lākou mau kūlana hoʻohana.
— Hoʻihoʻi i nā kāleka panakō: ʻAe kēia kāleka iā ʻoe e hoʻihoʻi i ke kālā mai nā ATM wale nō ma ka pūnaewele o ka panakō a i ʻole nā ATM no nā pūnaewele ʻē aʻe.
— Kāleka panakō uku: ʻAe kēia mau kāleka iā ʻoe e hoʻihoʻi i ke kālā a kūʻai aku ma ka pūnaewele a i ʻole ma nā hale kūʻai.
— Kāleka ʻaiʻē: Ma kahi o ka uku ʻana i ke kālā mai kāu waihona panakō, kau inoa ʻoe i kahi ʻaelike hou me ka mea hoʻopuka kāleka hōʻaiʻē a uku i ka uku panee paʻa e like me nā ʻōlelo o ka ʻaelike.
— Kāleka i uku mua ʻia: ʻO kēia nā kāleka e ʻae iā ʻoe e hoʻihoʻi i kahi palena palena o ka hōʻaiʻē mua.
— Kāleka lawelawe: hiki ke hoʻohana wale ʻia e uku no nā lilo ʻoihana i kau ʻia i kahi moʻokāki lawelawe.
Kāleka hōʻaiʻē.
ʻO ia ke kāleka uku maʻamau ma Farani. Nui nā ʻano like ʻole.
— Kāleka maʻamau e like me Visa Classic a me MasterCard Classic.
- Nā kāleka Premium e like me Visa Premier a me MasterCard Gold.
- Nā kāleka Premium e like me Visa Infinite a me MasterCard World Elite.
Hoʻokaʻawale ʻia kēia mau kāleka e kā lākou ʻano o ka hoʻohana ʻana no ka uku a me ka haʻalele ʻana, ka ʻinikua a me ke komo ʻana i nā lawelawe manuahi a uku ʻia paha. ʻO ke kiʻekiʻe o ke kumukūʻai o ke kāleka, ʻoi aku ka nui o nā lawelawe a me nā pōmaikaʻi i hāʻawi ʻia.
Pehea ka ʻokoʻa o nā kāleka debit?
Me kahi kāleka hōʻaiʻē, hiki iā ʻoe ke koho e uku i ka manawa hoʻokahi a i ʻole e hoʻopaneʻe i ka uku. He aha ka ʻokoʻa ma waena o lāua ʻelua?
Hoʻokaʻawale kahi kāleka hōʻaiʻē koke i ka nui mai kāu moʻokāki i ka wā e ʻike ʻia ai ka panakō no ka unuhi ʻana a i ʻole ka uku ʻana, ʻo ia hoʻi i loko o ʻelua a ʻekolu mau lā. Me kahi kāleka hoʻopaneʻe, lawe wale ʻia nā uku i ka lā hope o ka mahina. ʻOi aku ka maʻalahi o ka mea mua a maʻalahi hoʻi e hoʻohana, ʻoiai ʻoi aku ka maʻamau o ka hope, akā ʻoi aku ka maʻalahi.
No ka palekana hou, hiki iā ʻoe ke koho i kahi kāleka e koi ai i ka ʻae ʻia e ka ʻōnaehana. Ma mua o ka ʻae ʻana i ka uku a i ʻole ka hoʻihoʻi ʻana, e nānā ka panakō inā aia ka nui e hoʻokaʻawale ʻia ma kāu moʻokāki o kēia manawa. A i ʻole, e hōʻole ʻia ke kālepa.
Pehea e hoʻohana ai i kāna kāleka?
Inā makemake ʻoe e hoʻohana i kāu kāleka hōʻaiʻē e hoʻihoʻi i ke kālā a i ʻole e uku i nā hale kūʻai, e hoʻokomo wale i ka code huna i hāʻawi ʻia iā ʻoe i ka wā e haʻalele ai ʻoe i kāu kāleka hoʻopaʻa. Loaʻa nā uku pili ʻole o 20 a i 30 euros, akā ʻaʻole i hoʻolako ʻia nā terminal uku āpau me kēia ʻenehana.
No ka hoʻohana ʻana i kahi kāleka panakō no nā uku uila, pono ʻoe e ʻike i ka helu ma ke alo o ke kāleka a me ka helu helu ʻekolu. Inā hāʻawi ʻia kēia kāleka iā ʻoe e kahi panakō kuʻuna a i ʻole ma ka pūnaewele, ʻo ia ka mea like.
He aha ka nānā uila?
ʻO ka leka uila, ʻike ʻia hoʻi he e-cheque, he mea hana e hiki ai i ka mea uku ke hoʻokaʻawale i ka waihona waihona kālā o ka mea uku me ka hoʻohana ʻole ʻana i kahi māka kino. Ma muli o ke kūlana, maikaʻi kēia no ka mea uku a me ka mea loaʻa. Hiki iā lākou ke hōʻemi nui i ka manawa kaʻina uku.
Nā loina o ka hana ʻana o ka nānā pūnaewele
ʻOiai ʻaʻole ʻike ka poʻe he nui i ka hana ʻana i nā loiloi uila, he hana maʻalahi loa ia. ʻEhā mau mea koʻikoʻi i ka wā e hoʻopuka ai i kahi leka uila:
ʻO ka mua: ka helu serial, e hōʻike ana i ka panakō kahi i huki ʻia ai ka helu ʻelua: ka helu moʻokāki, e hōʻike ana i ka helu i huki ʻia ai ka helu ʻekolu: ka nui o ka noʻonoʻo, e hōʻike ana i ka nui o ka helu.
ʻehā: ka lā a me ka manawa o ka helu helu.
Hiki ke ʻike ʻia nā ʻike ʻē aʻe e like me ka lā i hoʻopuka ʻia ai, ka inoa a me ka helu wahi o ka mea mālama moʻokāki, akā ʻaʻole koi ʻia.
Mālama ʻia kēia ʻike koʻikoʻi a mālama ʻia ke ʻae ʻia ka uku hōʻoia uila. Hoʻopili pinepine ka panakō o ka mea i loaʻa i ka panakō o ka mea uku a hāʻawi iā lākou i ka ʻike kūpono. Inā ʻoluʻolu ka panakō o ka mea i loaʻa i kēia manawa ʻaʻole hoʻopunipuni ke kālepa a lawa nā kālā i loko o ka waihona, e ʻae ʻo ia i ke kālepa. Ma hope o ka uku ʻana, hiki i ka mea i loaʻa ke mālama i ka helu moʻokāki a me ka helu alahele no ka hoʻohana hope ʻana a i ʻole ka holoi ʻana i kēia ʻike.
Hoʻonui i ka hoʻohana ʻana i nā loiloi uila pūnaewele
Ke ulu nui nei nā loiloi uila, ʻoi aku ka maʻa o nā mea kūʻai aku i ka uku wikiwiki a me ka wikiwiki i hāʻawi ʻia e nā mea kālepa. Ua kaulana lākou me nā mea hōʻaiʻē no ka mea hiki iā lākou ke loaʻa kālā ʻoi aku ka wikiwiki ma mua o nā ʻano kuʻuna. ʻO ka mea maʻamau, pono ka poʻe ʻaiʻē e hoʻouna i nā loiloi pilikino i kahi kikowaena hana kahi i hoʻopaʻa ʻia a hōʻaiʻē ʻia. A laila hiki ke hoʻihoʻi ʻia i ka panakō o ka mea loaʻa, hiki ke lawe i hoʻokahi pule a ʻoi aku paha.
Ke hoʻohana nui nei nā mea kūʻai aku i nā loiloi uila a hāʻawi i kā lākou mea kūʻai aku i nā ala uku ʻē aʻe. I ka wā ma mua, ua lawe mau nā mea kālepa i nā pilikia ma ka ʻae ʻana i nā loiloi. I kekahi mau hihia, ua kāpae nā mea kūʻai aku i ka ʻae ʻana i nā loiloi pilikino no ka mea ua manaʻo lākou he kiʻekiʻe loa ka pilikia. Me ke kaʻina hana loiloi uila, ʻike koke nā mea kālepa inā lawa ke kālā i kā lākou moʻokāki e hoʻopau ai i kahi kālepa.
Ua palekana anei ka panakō pūnaewele?
Pono nā panakō pūnaewele e hoʻokō i nā koi palekana e like me nā panakō kuʻuna. Eia kekahi, ʻo ka ʻoiaʻiʻo o ka hapa nui o nā panakō pūnaewele i pili pololei a pili ʻole paha i nā panakō kuʻuna e hoʻonui ai i ka hilinaʻi o nā mea kūʻai aku i kēia mau ʻoihana.
No laila ʻaʻole pono ʻoe e hopohopo e pili ana i nā hōʻoia hōʻaiʻē a i ʻole ka hilinaʻi o ka waihona kālā pūnaewele. ʻO kaʻoiaʻiʻo, he mau pilikia kēia e kū nei i nā panakō. Inā ma ka pūnaewele a i ʻole ke kuʻuna.
ʻO ka pilikia nui mai ka ʻaihue cyber a me nā ʻano hana like ʻole i hoʻohana ʻia ma ka ʻupena e ʻaihue i kāu kālā.
No ke aha he mea nui e makaʻala me ka waihona kālā pūnaewele?
Me ka waihona kālā pūnaewele, ʻoi aku ka nui o nā hana ma ka pūnaewele. ʻO kekahi o nā pilikia nui loa, ʻo ia ka ʻaihue ʻike. ʻO kēia ke kumu e nānā ai nā panakō pūnaewele i ka pale ʻana i ka cybercrime. ʻO ka hilinaʻi o ka mea kūʻai aku a ma hope o ke ola ʻana o nā ʻoihana i ka ʻāpana.
ʻO nā hana cybersecurity ʻenehana, ma waena o kekahi:
- hoʻopili ʻikepili: ʻo ka ʻikepili i hoʻololi ʻia ma waena o nā kikowaena o ka panakō a me ka kamepiula o ka mea kūʻai aku a i ʻole kelepona paʻa e pale ʻia e ka protocol SSL (Secure Sockets Layer, i hōʻike ʻia e ka "S" maʻamau ma ka hopena o ke code HTTPS a ma mua o ka URL).
- ʻO ka hōʻoia o ka mea kūʻai aku: ʻo ka pahuhopu ka pale ʻana i ka ʻikepili i mālama ʻia ma nā kikowaena o ka panakō. ʻO kēia ka pahuhopu o ka European Payment Services Directive (PSD2), e koi ana i nā panakō e hoʻohana i ʻelua "ʻano hōʻoia ikaika": nā kāleka uku e loaʻa ana nā ʻikepili pilikino a me nā code i loaʻa e SMS (a i ʻole nā ʻōnaehana biometric e like me ka ʻike maka a i ʻole ka manamana lima).
Ma waho aʻe o kāna mau hana palekana, hoʻomanaʻo pinepine nā panakō i kā lākou mea kūʻai. ʻO nā ala i hoʻohana ʻia e nā hacker a pehea e pale aku ai iā lākou.
ʻO kekahi mau hana i hoʻohana ʻia e nā cybercriminals
– Phishing: ʻo ia nā leka uila e hoʻohālike ai ke kanaka e ʻōlelo ma ka inoa o kāu panakō. Nīnau iā ʻoe i kāu kikoʻī panakō no nā kumu hoʻopunipuni a hoʻopunipuni ʻole e nīnau ʻia e ka panakō. No ka maluhia o ka noʻonoʻo, e kelepona koke i kāu kākāʻōlelo panakō no ka ʻike hou aku. Mai leka uila i kāu kikoʻī panakō i kekahi.
- Pharming: ke manaʻoʻiʻo ʻoe e pili ana ʻoe i kāu panakō. Ke hoʻouna nei ʻoe i kāu mau code komo āpau ma ka hoʻopili ʻana i kahi pūnaewele hoʻopunipuni. E hoʻouka i nā polokalamu anti-virus a hoʻohou iā ia mau.
– Keylogging: e pili ana i ka spyware i kau ʻia ma ke kamepiula me ka ʻike ʻole o ka mea hoʻohana a hoʻopaʻa i kā lākou mau hana. E hoʻouka a hoʻololi mau i nā polokalamu anti-virus e pale aku i kāu ʻikepili mai ka hele ʻana i kahi pūnaewele o nā mea kalepa. Mai pane a holoi i nā leka uila kūpono ʻole (e laʻa, nā leka uila mai ka mea hoʻouna ʻike ʻole ʻia, me nā hewa ʻōlelo a i ʻole ka grammatical, nā pilikia coding).
Pono pono ʻo IT e hoʻopili i ka Pūnaewele me ke kuleana a me ka noʻonoʻo. Hōʻalo i ka hoʻopaʻa inoa ʻana mai nā wahi pilikia (e laʻa i nā pūnaewele Wi-Fi lehulehu). ʻO ka hoʻololi mau ʻana i kāu mau code komo a me ke koho ʻana i nā ʻōlelo huna ikaika e hoʻopakele iā ʻoe i nā pilikia he nui.
