Kwa alendo kapena osakhala nzika, njira zina akuyenera kutsegula akaunti yakubanki ku France. Kuti mudziwe zambiri zamabanki abwino kwambiri ndi njira zake, onani nkhani yathu.

Kodi ndingatsegule akaunti yakubanki kunja? Ndi mabanki ati omwe amavomereza omwe si okhalamo? Ndi zikalata zotani zomwe alendo amafunikira kuti atsegule akaunti yakubanki? Alendo ndipo anthu omwe si okhalamo angapemphe kutsegulidwa kwa akaunti yakubanki? Kodi ndingasunge bwanji nthawi? Nanga bwanji ngati pempho langa likakanidwa?

Gawoli likufotokoza momwe mungatsegule akaunti yakubanki ku France ngati simuli wokhalamo.

 

1 Pezani banki yomwe imalandila alendo ochokera kunja.

Ngati mukuyang'ana banki yomwe imavomereza osakhalamo, onani Boursorama Banque, N26 ndi Revolut. Pali milandu iwiri: ngati simuli nzika yaku France kapena ngati ndinu nzika yaku France. Ngati mwakhala ku France kwa nthawi yosakwana chaka chimodzi, mwachitsanzo ngati wophunzira kapena wapaulendo, mutha kutsegula akaunti kunja ndi banki yam'manja. Kuti mutsegule akaunti kubanki yapaintaneti kapena yachikhalidwe, muyenera kudikirira chaka.

2 Kutumiza kwa data yanu

Kuti mutsegule akaunti yakubanki kunja, muyenera kulemba fomu yomwe imatenga pafupifupi mphindi zisanu. Zomwe zimafunikira ndizokhazikika. Mudzafunsidwa kuti mudziwe zambiri za zomwe mwasankha (nambala ya ID, tsiku lobadwa, dziko ndi dera), komanso tsatanetsatane wanu ndi pepala lachidule lachidziwitso. Mutha kuwona ndikusayina mgwirizano womwe wamaliza pa intaneti.

Nthawi yofunikira kuti mudzaze fomu yapaintaneti kuti mutsegule akaunti kunja zimadalira banki yomwe mwasankha: mabanki apaintaneti ndi mafoni monga mafomu opereka a Nickel, Revolut kapena N26 omwe amatha kumalizidwa mwachangu kwambiri. Izi zikugwiranso ntchito kumabanki azikhalidwe, monga HSBC.

 

3 Kwa omwe si okhalamo akutsegula akaunti yakubanki, zolemba zotsatirazi ndizofunikira.

- Pasipoti kapena chiphaso

- Chiphaso cha lendi kapena umboni wina wa adilesi

- Chitsanzo cha siginecha

- Chilolezo chanu chokhalamo ngati mukukhudzidwa

Pankhaniyi, nthawi yofunikira yotsimikizira pambuyo posamutsa imadalira banki yosankhidwa. Pafupifupi, zimatenga masiku asanu, koma ndikubanki yam'manja, monga N26, muyenera kungodikirira maola 48 kuti mulumikizane ndi akaunti yanu yakubanki ndikukhala ndi RIB. Ndi Nickel, ndiyothamanga kwambiri, maakaunti amapangidwa nthawi yomweyo.

 

4 Pangani gawo lanu loyamba.

Kusungitsa pang'ono kumafunika kuti mutsegule akaunti kwa omwe si wokhalamo, zomwe ndi chitsimikizo cha banki kuti akauntiyo idzagwiritsidwa ntchito. Mabanki ena amalipiranso chindapusa, chomwe chimayenera kulipidwa mukatsegula gawolo. Kusungitsa kochepa kumasiyanasiyana ku banki kupita ku banki, koma nthawi zambiri kumakhala ma euro 10 mpaka 20.

Popeza kutsegula akaunti yakubanki kwa alendo nthawi zonse kumakhala kwaulere, mabanki samalipira gawo loyamba. Pafupifupi, ndalamazo zimasamutsidwa mkati mwa masiku asanu ogwira ntchito. Khadi likangotsegulidwa, ndalama ndi zochotsa zitha kupangidwa.

 

Kodi mabanki akuluakulu a pa intaneti ndi ati?

 

 BforBank: banki malinga ndi iwo

BforBank ndi nthambi ya Crédit Agricole yomwe idapangidwa mu Okutobala 2009. Pakadali pano ili ndi makasitomala opitilira 180 ndipo ndi imodzi mwamabanki olemetsa pa intaneti. Amapereka zinthu ndi ntchito zosiyanasiyana, kuphatikiza maakaunti aku banki, zinthu zosungira, ngongole zaumwini, ngongole zanyumba ndi ntchito zamunthu. Osanenapo, kirediti kadi ndi malo owonjezera, zonse zaulere. Mukhozanso kupereka macheke a digito.

 

Bousorama Banque: banki yomwe tikufuna kupangira

Boursorama Banque ndi imodzi mwamabanki akale kwambiri pa intaneti, othandizira a Société Générale, omwe ali ndi 100% kuyambira pomwe idalandidwa ndi CAIXABANK. Yakhazikitsidwa mu 1995, poyamba idayang'ana pa malonda a ndalama pa intaneti. Kenako mu 2006, idasintha bwino ndikukulitsa mwayi wake kumaakaunti apano. Masiku ano, Boursorama Banque imapereka ngongole, inshuwaransi ya moyo, maakaunti osungira, ndalama zakunja ndi kubanki yapaintaneti. Makhadi a debit ndi cheke cha ndalama zimaperekedwa kwaulere. Kufikira mwachindunji ku ngongole zanyumba kumapezeka pa intaneti komanso zolipira zam'manja. Osaiwala, apanso, kutumiza cheke cha digito. Mabanki apa intaneti akufuna kufikira makasitomala 4 miliyoni pofika 2023.

 

Fortuneo Banque: banki yosavuta komanso yothandiza

Fortuneo, kampani yolipira mafoni, idakhazikitsidwa ku 2000 ndipo idagulidwa ndi Crédit Mutuel Arkéa mu 2009, yomwe idalumikizana ndi Symphonis kukhala banki. Izi zisanachitike, iye ankakonda kuchita malonda a masheya ndi ndalama. Fortuneo tsopano imapereka ntchito zonse zoperekedwa ndi mabanki akuluakulu, kuphatikiza ngongole zanyumba, inshuwaransi ya moyo, ndalama zosungira komanso inshuwaransi yamagalimoto. Mu 2018, Fortuneo anali banki yoyamba yaku France kubweretsa zolipirira popanda kulumikizana.

Ndi banki yokhayo yapaintaneti yopereka khadi la MasterCard World Elite kwaulere, koma osati kokha. The overdraft mwachiwonekere ikupezeka kwaulere.

 

HelloBank: banki ili m'manja mwanu

Malipiro am'manja a Moni Bank adakhazikitsidwa mu 2013 mothandizidwa ndi mabanki achikhalidwe a BNP Paribas kuti akope makasitomala ambiri. Zogulitsa ndi ntchito zonse za BNP Paribas zimapezeka kwamakasitomala a Allo Bank padziko lonse lapansi. Moni Bank imapatsa makasitomala ake mwayi wopeza ma ATM pafupifupi 52 m'maiko 000. Bankiyi ilipo ku Germany, Belgium, Austria, France ndi Italy ndipo imapereka mabanki osiyanasiyana. Kutumiza cheke munthambi ndi kirediti kadi yaulere zilipo.

 

MonaBank: banki yomwe imayika anthu patsogolo

Monabank ndi gawo la gulu la Crédit Mutuel, lodziwika ndi mawu akuti "People pamaso pa ndalama", lomwe linakhazikitsidwa mu 2006. Kuyambira mu December 2017, Monabank anali ndi makasitomala pafupifupi 310. Monabank ndiye banki yokhayo yapaintaneti yomwe sipereka makhadi aulere. Khadi lokhazikika la Visa limawononga € 000 pamwezi ndipo Visa Premier khadi imawononga € 2 pamwezi. Kumbali inayi, kuchotsa ndalama ndi kwaulere komanso zopanda malire kudera lonse la euro.

Monabank ilibe zofunikira zopezera ndalama ndipo yapambana mphoto ya Customer Service of the Year kangapo motsatizana.

 

N26: banki yomwe mungakonde

N26 ili ndi layisensi yaku banki yaku Europe, zomwe zikutanthauza kuti maakaunti ake owunika amakhala ndi zitsimikizo zofanana ndi mabungwe angongole omwe akhazikitsidwa ku France. Kusiyana kokha ndikuti nambala ya akaunti ya IBAN ndi yofanana ndi ya banki yaku Germany. Akaunti ya akulu iyi imatha kutsegulidwa ndikuyendetsedwa kudzera pa pulogalamu yam'manja yakubanki, ndipo palibe zopeza kapena zofunika kukhala.

Akaunti ya N26 imagwirizana ndi kusamutsa kubanki, kuphatikiza ma debit mwachindunji. Kusintha kwa MoneyBeam pakati pa ogwiritsa ntchito N26 ndikothekanso kudzera pa nambala yafoni ya wolandila kapena imelo adilesi. Ma overdraft, ndalama ndi macheke sizipezeka kwa ogwiritsa ntchito aku France. Komabe, ngati mukulipirira polojekiti kapena poyambitsa, mutha kupeza mpaka €50 mu ngongole za N000.

 

Nickel: akaunti ya aliyense

Nickel idakhazikitsidwa mu 2014 ndi Financière des Payments Electroniques ndipo wakhala mwini wake kuyambira 2017 ndi BNP Paribas. Nickel poyamba inagawidwa mu fodya 5. Makasitomala amatha kugula khadi yosungira ya Nickel ndikutsegula akaunti pomwepo. Masiku ano, Nickel yakhala ya demokalase kwambiri ndipo imapereka chithandizo chosavuta kubanki kwa aliyense. Maakaunti a Nickel amatha kutsegulidwa tsiku lomwelo, popanda umembala kapena chindapusa chobisika, mu fodya kapena pa intaneti pasanathe mphindi zisanu.

 

Orange Bank: banki idapangidwanso

Chokhazikitsidwa mu Novembala 2017, banki yatsopano kwambiri yapa intaneti, Orange Bank, yayamba kale kukhudza kwambiri. Pazaka zinayi chikhazikitsireni, banki yayikulu yolumikizirana ndi ma telecommunications yapeza makasitomala pafupifupi 1,6 miliyoni. Poyambirira amangopereka maakaunti aposachedwa, Orange Bank tsopano imaperekanso maakaunti osungira ndi ngongole zaumwini. Orange Bank ili ndi malo apadera pakati pa mabanki apa intaneti ndi mabanki am'manja. Mwachitsanzo, makadi a Orange Bank amatha kukhala okonda makonda anu kuchokera pa pulogalamuyi. Kusintha kwa malire, kutsekereza / kutsegulira, kuyambitsa / kuletsa kulipira kwapaintaneti komanso popanda kulumikizana, ndi zina. Orange Bank anali woyamba kupanga "chopereka chabanja". Orange Bank Family: ndi phukusili, mumapindula ndi mwayi wowonjezera wamakhadi a ana asanu ndi € 9,99 pamwezi.

 

Revolut: banki yanzeru

Revolut idakhazikitsidwa paukadaulo wazachuma wa 100%, kotero makasitomala amatha kuyang'anira maakaunti awo ndi mabanki kudzera mu pulogalamu ya Revolut. Kampaniyi imapereka ntchito zinayi. Ntchito yokhazikika ndi yaulere ndipo imawononga € 2,99 pamwezi.

Omwe ali ndi akaunti ya Revolut amatha kugwiritsa ntchito pulogalamu yam'manja kusamutsa ndalama kumaakaunti awo ndikuchita zonse kubanki kuchokera kumeneko. Mwachitsanzo, mukhoza kupanga ndalama, kusamutsidwa ku banki, maoda a ndalama ndi ma debit mwachindunji.

Komabe, mwini akauntiyo sangapange malipiro opitirira ndalama zonse zomwe zaikidwa mu akauntiyo. Chilichonse chimagwira ntchito motere, mwiniwake wa akauntiyo ayenera choyamba kuonjezera akauntiyo ndiyeno atha kulipira kudzera ku banki kapena kirediti kadi.

 

Kodi kirediti kirediti kadi ndi chiyani?

Khadi la debit (monga macheke) ndi njira yolipirira yolumikizidwa ndi akaunti yamakono (yaumwini kapena yolumikizana) ndipo, monga macheke, ndi njira yolipirira yofala kwambiri ku France. Atha kugwiritsidwa ntchito pogula mwachindunji m'masitolo kapena pa intaneti ndikuchotsa ndalama ku ATM kapena mabanki.

Makhadi obwereketsa atha kuperekedwa ndi mabanki ndi mabungwe ena angongole. Angaphatikizenso ntchito zina monga inshuwaransi kapena zosungitsa.

 

Mitundu yosiyanasiyana yamakhadi olipira ndi momwe amagwiritsidwira ntchito.

- Makhadi aku banki: Khadi ili limakupatsani mwayi wochotsa ndalama ku ma ATM okha pa netiweki ya banki kapena ma ATM a maukonde ena.

- Makhadi aku banki olipira: Makhadiwa amakulolani kuti mutenge ndalama ndikugula pa intaneti kapena m'masitolo.

- Makhadi a kingongole: M'malo molipira ndalama kuchokera ku akaunti yanu yakubanki, mumasaina pangano lakukonzanso ndi wopereka kirediti kadi ndikulipira chiwongola dzanja chokhazikika malinga ndi zomwe mgwirizanowo udachita.

- Makhadi olipiriratu: Awa ndi makhadi omwe amakulolani kuchotsa ndalama zolipiriratu.

- Khadi lautumiki: lingagwiritsidwe ntchito kulipira ndalama zomwe zimaperekedwa ku akaunti yautumiki.

Debit khadi.

Ndilo khadi yolipira yofala kwambiri ku France. Pali mitundu ingapo yosiyanasiyana.

- Makhadi okhazikika monga Visa Classic ndi MasterCard Classic.

- Makhadi apamwamba monga Visa Premier ndi MasterCard Gold.

- Makhadi apamwamba monga Visa Infinite ndi MasterCard World Elite.

Makhadiwa amasiyanitsidwa ndi momwe amagwiritsidwira ntchito polipira ndikuchotsa, inshuwaransi komanso mwayi wopeza ntchito zina zaulere kapena zolipiridwa. Mtengo wokwera wa khadi, umapereka mautumiki ambiri ndi mapindu omwe amapereka.

 

Kodi ma kirediti kadi amasiyana bwanji?

Ndi kirediti kadi, mutha kusankha kulipira zonse nthawi imodzi kapena kuchedwetsa kulipira. Kodi pali kusiyana kotani pakati pa zonsezi?

Khadi lotengera nthawi yomweyo limachotsa ndalamazo ku akaunti yanu banki ikangodziwitsidwa za kuchotsa kapena kulipira, mwachitsanzo mkati mwa masiku awiri kapena atatu. Ndi khadi la debit debit, malipiro amatengedwa patsiku lomaliza la mweziwo. Yoyamba ndiyotsika mtengo komanso yosavuta kugwiritsa ntchito, pomwe yomalizayo nthawi zambiri imakhala yokwera mtengo, koma yosinthika.

Kuti muwonjezere chitetezo, mutha kusankhanso khadi yomwe imafuna chilolezo ndi dongosolo. Musanalole kubweza kapena kubweza ndalama, banki imayang'ana ngati ndalamazo zili pa akaunti yanu yamakono. Apo ayi, ntchitoyo idzakanidwa.

 

Momwe mungagwiritsire ntchito khadi lake?

Ngati mukufuna kugwiritsa ntchito kirediti kadi yanu kutenga ndalama kapena kulipira m'masitolo, ingolowetsani chinsinsi chomwe mwapatsidwa mukatulutsa kirediti kadi yanu. Malipiro osagwirizana ndi ma euro 20 mpaka 30 amapezekanso, koma si malo onse olipira omwe ali ndi ukadaulo uwu.

Kuti mugwiritse ntchito khadi la banki pakulipira pakompyuta, muyenera kudziwa nambala yomwe ili kutsogolo kwa khadi ndi manambala atatu owonera. Kaya khadili likuperekedwa kwa inu ndi banki yachikhalidwe kapena pa intaneti, ndi chimodzimodzi.

 

Kodi cheke chamagetsi ndi chiyani?

Cheke yamagetsi, yomwe imadziwikanso kuti e-cheque, ndi chida chomwe chimalola wolipira kubweza ku akaunti yakubanki ya wolandila popanda kugwiritsa ntchito cheke. Kutengera momwe zinthu ziliri, izi ndizopindulitsa kwa wolipira ndi wolandila. Iwo akhoza kuchepetsa kwambiri malipiro processing nthawi.

 

Mfundo zoyendetsera cheke pa intaneti

Ngakhale kuti anthu ambiri sadziwa momwe angagwiritsire ntchito macheke amagetsi, ndi njira yosavuta kwambiri. Zinthu zinayi ndizofunikira kwambiri popereka cheke chamagetsi:

Choyamba: nambala yosalekeza, yomwe imazindikiritsa banki yomwe cheke imakokedwa kachiwiri: nambala ya akaunti, yomwe imazindikiritsa akaunti yomwe chekeyo imakokedwa lachitatu: kuchuluka kwa kulingalira, komwe kumayimira kuchuluka kwa cheke.
chachinayi: tsiku loyenera ndi nthawi ya cheke.

Zambiri monga tsiku la kutulutsidwa, dzina ndi adilesi ya mwini akauntiyo zitha kuwonekeranso pacheke, koma sizokakamizidwa.

Chidziwitso chofunikirachi chimasungidwa ndikusinthidwa pamene kulipira kwa cheke chamagetsi kwayatsidwa. Banki ya wopindula nthawi zambiri imalumikizana ndi banki ya omwe amalipirayo ndikuwapatsa chidziwitso chofunikira. Ngati banki ya wopindulayo ikukhutira panthawiyi kuti ntchitoyo si yachinyengo komanso kuti pali ndalama zokwanira mu akauntiyo, idzavomereza malondawo. Pambuyo polipira, wopindula akhoza kusunga nambala ya akaunti ndi nambala yolowera kuti adzagwiritse ntchito pambuyo pake kapena kuchotsa izi.

 

Kuwonjezeka kwa kugwiritsa ntchito macheke amagetsi pa intaneti

Macheke amagetsi akuchulukirachulukira, makamaka pomwe ogula amazolowera kulipira mwachangu komanso kwachangu komwe amalonda amaperekedwa. Amakonda kwambiri obwereketsa chifukwa amatha kulandira ndalama mwachangu kuposa njira zachikhalidwe. Mwamwambo, obwereketsa ankayenera kutumiza macheke awo ku malo ochitirako zinthu kumene amakalandirako ndalama ndi kukaikiridwa. Zitha kutumizidwa ku banki ya wolandirayo, zomwe zingatenge mlungu umodzi kapena kuposerapo.

Ogulitsa akuchulukirachulukira kugwiritsa ntchito macheke amagetsi ndikupatsa makasitomala awo njira zina zolipirira. M'mbuyomu, amalonda nthawi zonse amakhala pachiwopsezo povomera macheke. Nthawi zina, ogulitsa adasiya kuvomera macheke awo chifukwa amawona kuti ngoziyo ndi yayikulu kwambiri. Pogwiritsa ntchito cheke chamagetsi, amalonda amadziwa nthawi yomweyo ngati pali ndalama zokwanira mu akaunti yawo kuti amalize kuchitapo kanthu.

 

Kodi kubanki yapaintaneti ndi yotetezeka?

Mabanki a pa intaneti ayenera kukwaniritsa zofunikira zachitetezo monga mabanki achikhalidwe. Kuphatikiza apo, kuti mabanki ambiri a pa intaneti amalumikizidwa mwachindunji kapena mwanjira ina ndi mabanki achikhalidwe kumapangitsanso chidaliro cha ogula m'mabungwewa.

Chifukwa chake simuyenera kuda nkhawa ndi zitsimikizo za depositi kapena kudalirika kwa banki yapaintaneti. M'malo mwake, izi ndizowopsa zomwe mabanki amakumana nawo. Kaya pa intaneti kapena mwachikhalidwe.

Choopsa chachikulu chimabwera chifukwa chakuba pa intaneti komanso njira zosiyanasiyana zomwe zimagwiritsidwa ntchito paukonde kukuberani ndalama zanu.

 

Chifukwa chiyani ndikofunikira kusamala ndikubanki pa intaneti?

Ndi mabanki apa intaneti, zochitika zambiri zimachitika pa intaneti. Choopsa chimodzi chachikulu ndicho kuba zidziwitso. Ichi ndichifukwa chake mabanki apa intaneti amayang'ana kwambiri kupewa umbanda pa intaneti. Kudalirika kwamakasitomala komanso kupulumuka kwa mabizinesi omwe ali pachiwopsezo.

Njira zaukadaulo zachitetezo cha pa intaneti zikuphatikiza, mwa zina:

- kubisa kwa data: zomwe zasinthidwa pakati pa ma seva a banki ndi kompyuta ya kasitomala kapena foni yam'manja zimatetezedwa ndi protocol ya SSL (Secure Sockets Layer, yoimiridwa ndi "S" yodziwika bwino kumapeto kwa HTTPS code komanso pamaso pa URL).

- Kutsimikizika kwamakasitomala: cholinga chake ndikuteteza zomwe zasungidwa pamaseva aku banki. Ichi ndi cholinga cha European Payment Services Directive (PSD2), chomwe chimafuna kuti mabanki agwiritse ntchito "njira zotsimikizirika zolimba" ziwiri: makadi olipira omwe ali ndi deta yaumwini ndi zizindikiro zolandiridwa ndi SMS (kapena machitidwe a biometric monga kuzindikira nkhope kapena zala).

Kuphatikiza pachitetezo chake, mabanki nthawi zambiri amakumbutsa makasitomala awo. Njira zomwe ma hackers amagwiritsa ntchito komanso momwe angapewere.

 

Njira zina zomwe zigawenga zapaintaneti zimagwiritsidwa ntchito

- Phishing: Awa ndi maimelo omwe munthu amadzinamizira kuti amalankhula m'malo mwa banki yanu. Amakufunsani zambiri za banki yanu pazifukwa zabodza komanso zosocheretsa zomwe banki silingafunse. Kuti mukhale ndi mtendere wamumtima, funsani mlangizi wanu wa banki mwamsanga kuti mudziwe zambiri. Osatumiza imelo yanu kwa wina aliyense.

- Pharming: mukamakhulupirira kuti mukulumikizana ndi banki yanu. Mukutumiza ma code anu onse polumikiza patsamba labodza. Ikani mapulogalamu odana ndi ma virus ndikusintha pafupipafupi.

- Keylogging: kutengera mapulogalamu aukazitape omwe adayikidwa pakompyuta popanda kudziwa kwa wogwiritsa ntchito ndikujambula zomwe akuchita. Ikani ndikusintha pulogalamu ya antivayirasi pafupipafupi kuti muteteze deta yanu kupita kugulu la anthu ozembetsa. Osayankha ndi kufufuta maimelo osayenera (monga ochokera kwa munthu wotumiza wosadziwika, okhala ndi zolakwika za kalembedwe kapena kalembedwe, zovuta zamakodi).

IT ndiyabwinonso kulumikizana ndi intaneti moyenera komanso mwanzeru. Pewani kulowa m'malo omwe ali pachiwopsezo (monga ma netiweki agulu la Wi-Fi). Kusintha pafupipafupi ma code anu olowera ndikusankha mawu achinsinsi amphamvu kudzakupulumutsani mavuto ambiri.