Kune vatorwa kana vasiri vagari, mamwe maitiro vanosungirwa kuvhura account yekubhangi muFrance. Kuti udzidze zvakawanda nezvemabhangi akanakisa uye maitiro, ona chinyorwa chedu.

Ndingavhura account yekubhangi kunze kwenyika? Ndeapi mabhanga anogamuchira vasiri vagari? Ndeapi magwaro anodiwa nevatorwa kuti vavhure akaundi yekubhanga? Vatorwa uye vasiri vagari vangakumbira kuvhurwa kweakaundi yekubhanga here? Ndingachengetedza sei nguva? Chii chinoitika kana chikumbiro changu chikarambwa?

Ichi chikamu chinotsanangura nzira yekuvhura account yekubhangi muFrance kana usiri mugari.

 

1 Tsvaga bhangi rinogamuchira vatorwa kunze kwenyika.

Kana iwe uchitsvaga bhangi rinogamuchira vasiri vagari, ona Boursorama Banque, N26 uye Revolut. Pane zviitiko zviviri: kana usiri mugari weFrance kana kuti uri mugari weFrance. Kana wanga uri muFrance kwerisingasviki gore, semuenzaniso semudzidzi kana mufambi, unogona kuvhura account kunze kwenyika nebhangi mbozha. Kuti uvhure account mubhangi repamhepo kana rechinyakare, unofanirwa kumirira gore.

2 Kuendesa data rako pachako

Kuti uvhure akaundi yekubhangi kunze kwenyika, unofanirwa kuzadza fomu rinotora anenge maminetsi mashanu. Mashoko anodiwa ndeapi. Iwe uchakumbirwa ruzivo rwemunhu pamusoro pechipo chawakasarudza (nhamba yeID, zuva rekuzvarwa, nyika uye dunhu), pamwe neruzivo rwako rwekufonera uye pfupi ruzivo bepa. Iwe unogona ipapo kuona uye kusaina chibvumirano chakapedzwa online.

Nguva inodiwa yekuzadza fomu repamhepo kuti uvhure account kunze kwenyika zvinoenderana nebhangi raunosarudza: online uye nharembozha mabhangi akadai seNickel, Revolut kana N26 mafomu ekupa anogona kupedzwa nekukurumidza. Izvi zvinoshandawo kumabhanga echinyakare, akadai seHSBC.

 

3 Kune vasiri vagari vanovhura account yekubhangi, magwaro anotevera anodiwa.

-Pasipoti kana chitupa

- Risiti yekurenda kana humwe humbowo hwekero

- Siginecha muenzaniso

- Mvumo yako yekugara kana uine hanya

Muchiitiko ichi, nguva inodiwa yekusimbisa mushure mekutamisa inoenderana nebhangi rakasarudzwa. Paavhareji, zvinotora mazuva mashanu, asi nekubhengi nhare, seN26, unongofanira kumirira maawa makumi mana nemasere kuti upinde muakaundi yako yekubhangi uye uve neRIB. NeNickel, yakatokurumidza, nemaakaundi ari kugadzirwa ipapo ipapo.

 

4 Ita dhipoziti yako yekutanga.

Mari shoma inodiwa kuti uvhure account kune asiri mugari, inova vimbiso yebhangi yekuti account yacho ichashandiswa. Mamwe mabhanga anobhadharisawo mari yekusaita basa, iyo inofanirwa kubhadharwa pakuvhura dhipoziti. Iyo shoma dhipoziti inosiyana kubva kubhangi kuenda kubhangi, asi kazhinji inenge 10 kusvika 20 euros.

Sezvo kuvhura account yekubhangi yevatorwa kunogara mahara, mabhanga haabhadharise dhipoziti yekutanga. Paavhareji, mari inotamiswa mukati memazuva mashanu ebhizinesi. Kamwe kadhi raitwa, kubhadhara uye kubvisa zvinogona kuitwa.

 

Ndeapi mabhangi makuru epamhepo?

 

 BforBank: bhangi maererano navo

BforBank idivi reCrédit Agricole yakagadzirwa muna Gumiguru 2009. Parizvino ine vatengi vanodarika 180 uye ndeimwe yeanoremesa ekubhanga painternet. Inopa huwandu hwakasiyana hwezvigadzirwa nemasevhisi, kusanganisira maakaundi ekubhangi, zvigadzirwa zvekuchengetedza zvakajairika, zvikwereti zvemunhu, zvikwereti zvemba uye masevhisi emunhu. Tisingatauri, kadhi rekubhengi uye nzvimbo ye overdraft, zvose zvemahara. Iwe unogona zvakare kubudisa digital cheki.

 

Bousorama Banque: bhangi ratinoda kukurudzira

Boursorama Banque nderimwe remabhanga ekare epamhepo, inotsigira Société Générale, iyo yave nayo 100% kubva pakutorwa kwayo neCAIXABANK. Yakavambwa muna 1995, yakatanga yakanangana nekutengesa mari online. Zvino muna 2006, yakaita shanduko yehungwaru uye yakawedzera kupa kwayo kumaakaundi azvino. Nhasi, Boursorama Banque inopa zvikwereti, inishuwarenzi yehupenyu, maakaundi ekuchengetedza, mari yekunze uye internet banking. Debit card uye balance check zvinopihwa mahara. Kuwana kwakananga kumamortgage kunowanikwa online pamwe nekubhadhara mbozhanhare. Pasina kukanganwa, pano zvakare, kuendeswa kwedhijitari cheki. Kubhanga kwepamhepo kune chinangwa chekusvika mamirioni mana evatengi panosvika 4.

 

Fortuneo Banque: bhangi riri nyore uye rinoshanda

Fortuneo, kambani inobhadhara nharembozha, yakavambwa muna 2000 uye yakawanikwa naCrédit Mutuel Arkéa muna 2009, iyo yakabatana neSymphonis kuita bhangi. Izvi zvisati zvaitika, aive nyanzvi mune stock uye fund trading. Fortuneo ikozvino inopa masevhisi ese anopihwa nemabhangi makuru, anosanganisira mbavha, inishuwarenzi yehupenyu, kuchengetedza uye kunyange inishuwarenzi yemotokari. Muna 2018, Fortuneo yaive yekutanga e-bhangi reFrance kuunza mabhanga asingabatike.

Ndiro chete bhangi repamhepo kupa MasterCard World Elite kadhi mahara, asi kwete chete. Iyo overdraft iri pachena inowanikwa mahara.

 

HelloBank: bhangi riri pamunwe wako

Mhoro Bhangi nharembozha yakatangwa muna 2013 nerutsigiro rwechinyakare banking network yeBNP Paribas kukwezva huwandu hwakanyanya hwevatengi. Zvese zvigadzirwa zveBNP Paribas uye masevhisi zviripo kune vatengi veAllo Bank pasi rese. Mhoro Bank saka inopa vatengi vayo mukana kune network inosvika zviuru makumi mashanu neshanu maATM munyika makumi mashanu. Bhangi riripo kuGermany, Belgium, Austria, France neItaly uye rinopa huwandu hwakawanda hwemabhangi masevhisi. In-bazi cheki chekutumira uye yemahara debit kadhi zviripo.

 

MonaBank: bhangi rinoisa vanhu pakutanga

Monabank inhengo yeboka reCrédit Mutuel, rinozivikanwa nezwi rayo rokuti "People before money", rakavambwa muna 2006. Kubva munaDecember 2017, Monabank yakanga ine vatengi vanenge 310. Monabank ndiyo yega bhangi repamhepo risingape emahara makadhi ekubhengi. Iyo yakajairwa Visa kadhi inodhura € 000 pamwedzi uye Visa Premier kadhi inodhura € 2 pamwedzi. Kune rimwe divi, kubvisa mari kwakasununguka uye kusingagumi munzvimbo yese ye euro.

Monabank haina mari inodiwa uye yakahwina mubairo weCustomer Service of the Year kakawanda mumutsara.

 

N26: bhangi iwe uchada

N26 ine rezenisi rekubhengi rekuEurope, izvo zvinoreva kuti maakaundi ayo ekutarisa ari pasi pechivimbiso chakafanana nemasangano echikwereti akagadzwa muFrance. Musiyano chete ndewekuti iyo IBAN account nhamba yakafanana neyebhangi rekuGerman. Iyi account yevakuru inogona chete kuvhurwa nekugadziriswa kuburikidza nebhengi nharembozha, uye hapana mari kana zvinodiwa pekugara.

Iyo N26 account inoenderana nekutamiswa kwebhangi, kusanganisira madhibhiti akananga. Kuchinjisa kweMoneyBeam pakati pevashandisi veN26 kunogoneka zvakare kuburikidza nenhamba dzerunhare dzeanogamuchira kana kero yeemail. Overdraft, mari uye cheki hazviwanikwe kune vashandisi veFrance. Nekudaro, kana iwe uri kupa mari chirongwa kana kutanga, unogona kuwana kusvika € 50 muN000 zvikwereti.

 

Nickel: account yemunhu wese

Nickel yakatangwa muna 2014 neFinancière des Payments Electroniques uye yanga iri yavo kubva 2017 neBNP Paribas. Nickel yakatanga kugoverwa mumafodya 5. Vatengi vaigona kutenga kadhi rekuchengetedza reNickel vovhura account ipapo ipapo. Nhasi, Nickel yawedzera demokrasi uye inopa masevhisi akareruka ekubhengi kumunhu wese. Maakaunti eNickel anogona kuvhurwa zuva rimwe chete, pasina mamiriro enhengo kana mubhadharo wakavanzika, mufodya kana online musingasviki maminetsi mashanu.

 

Orange Bank: bhangi rakadzorerwa

Yakatangwa muna Mbudzi 2017, bhangi idzva repamhepo, Orange Bank, rave kutove nekukanganisa kukuru. Mumakore mana kubva payakatangwa, bhangi remagetsi rehofori yenharembozha rakawana vatengi vanosvika miriyoni imwe nemazana matanhatu. Pakutanga ichipa maakaundi azvino chete, Orange Bank ikozvino inopawo maakaundi ekuchengetedza uye zvikwereti zvemunhu. Orange Bank inobata chinzvimbo chakasiyana pakati pekubhengi yepamhepo uye nharembozha. Semuenzaniso, Orange Bank makadhi anogona kuve akazara munhu kubva kuapp. Kugadziridzwa kwemiganhu, kuvharira / kuvhura, activation / deactivation yepamhepo uye yekubhadhara isina kubata, nezvimwe. Orange Bank ndiyo yaive yekutanga kugadzira "mhuri inopa". Orange Bank Mhuri: neichi pasuru, iwe unobatsirwa kubva kune imwezve kupihwa anosvika mashanu emakadhi evana chete € 1,6 pamwedzi.

 

Revolut: iyo smart bank

Revolut yakavakirwa pa100% nharembozha tekinoroji, saka vatengi vanogona kubata maakaundi avo uye kubhengi chete kuburikidza neRevolut app. Iyo kambani inopa masevhisi mana. Iyo yakajairwa sevhisi ndeyemahara uye inodhura €2,99 pamwedzi.

Vabati veRevolut account vanogona kushandisa nharembozha kuendesa mari kumaakaundi avo uye kuita zvese zvekubhanga kubva ipapo. Semuenzaniso, unogona kuita kutengeserana kwemari, kuendesa kubhengi, maodha emari uye kubhengi zvakananga.

Nekudaro, muridzi weakaundi haakwanise kubhadhara iyo inodarika huwandu hwese hwemari yakaiswa muaccount. Zvese zvinoshanda neiyi nzira, muridzi weakaundi anofanira kutanga akwidza account obva akwanisa kubhadhara nekubhadhara kubhengi kana kadhi rechikwereti.

 

Kadhi rechikwereti rinoshandiswa nei?

Kadhi rekubhengi (secheki) inzira yekubhadhara yakabatana neakaundi yemazuva ano (yako kana yakabatana) uye, secheki, ndiyo nzira inonyanyozivikanwa yekubhadhara muFrance. Inogona kushandiswa kutenga zvakananga muzvitoro kana online uye kutora mari kubva kumaATM kana kumabhangi.

Madhibhiti makadhi anogona kupihwa nemabhangi nemamwe masangano echikwereti. Vanogonawo kusanganisira mamwe masevhisi akadai seinishuwarenzi kana masevhisi ekubhukha.

 

Mhando dzakasiyana dzemakadhi ekubhadhara uye mamiriro avo ekushandisa.

- Makadhi ekubhanga ekubvisa: Kadhi iri rinokutendera kuti utore mari chete kubva kumaATM ari munetwork yebhanga kana kubva kumaATM emamwe manetwork.

- Makadhi ekubhangi ekubhadhara: Makadhi aya anobvumidza iwe kutora mari uye kutenga online kana muzvitoro.

- Kadhi rechikwereti: Panzvimbo pekubhadhara mari kubva kuaccount yako yekubhangi, unosaina chibvumirano chekuvandudza neanopa kadhi rechikwereti uye unobhadhara mubereko wakamisikidzwa zvinoenderana nechibvumirano.

- Prepaid makadhi: Aya makadhi anokubvumidza kuti ubvise mari shoma yeprepaid kiredhiti.

-Kadhi rebasa: rinogona kungoshandiswa kubhadhara mari yebhizinesi inobhadhariswa kuakaundi yebasa.

Debit card.

Ndiyo kadhi rekubhadhara rakajairika muFrance. Kune marudzi akawanda akasiyana.

- Makadhi akajairwa akadai seVisa Classic uye MasterCard Classic.

-Kadhi rekutanga seVisa Premier uye MasterCard Goridhe.

-Kadhi rekutanga seVisa Infinite uye MasterCard World Elite.

Aya makadhi anosiyaniswa nemaitiro avo ekubhadhara uye kubvisa, inishuwarenzi uye kuwana mamwe emahara kana anobhadharwa masevhisi. Iyo yakakwirira mutengo wekadhi, iyo yakawanda masevhisi uye mabhenefiti ainopa.

 

Madhibhiti makadhi akasiyana sei?

Nekadhi rechikwereti, unogona kusarudza kubhadhara zvese kamwechete kana kuverengera kubhadhara. Ndeupi musiyano pakati pezviviri?

Kadhi rekubhengi rinobvisa mari kubva kuaccount yako kana bhanga rangoudzwa nezvekubvisa kana kubhadhara, kureva mukati memazuva maviri kana matatu. Nedefer debit card, kubhadhara kunotorwa chete pazuva rekupedzisira remwedzi. Yekutanga yakachipa uye iri nyore kushandisa, nepo yekupedzisira ichiwanzo kudhura, asi inoshanduka.

Kuti uwedzere kuchengetedzwa, iwe unogona zvakare kusarudza kadhi inoda mvumo nehurongwa. Usati wabvumidza kubhadhara kana kudzoserwa, bhangi rinotarisa kuti mari ichabviswa iri paakaundi yako yazvino. Zvikasadaro, kutengeserana kucharambwa.

 

Nzira yekushandisa kadhi rake?

Kana iwe uchida kushandisa kadhi rako rekubhengi kubvisa mari kana kubhadhara muzvitoro, ingoisa kodhi yakavanzika yaunopiwa paunobvisa kadhi rako rekubhengi. Kubhadhara kusingabatike kwemakumi maviri kusvika makumi matatu euros kunowanikwawo, asi kwete ese ekubhadhara materminal ane iyi tekinoroji.

Kuti ushandise kadhi rebhangi pakubhadhara kwemagetsi, unoda kuziva nhamba iri mberi kwekadhi uye nhamba yekuona nhamba nhatu. Kunyangwe kadhi iri wakapihwa kwauri nebhangi rechinyakare kana online, chinhu chimwe chete.

 

Chii chinonzi cheki yemagetsi?

Cheki yemagetsi, inozivikanwawo se-e-cheki, chiridzwa chinobvumira mubhadhari kuti abvise mari kubhangi remubhadharo pasina kushandisa cheki yemuviri. Zvichienderana nemamiriro ezvinhu, izvi zvinobatsira kune vese vanobhadhara uye vanogamuchira. Vanogona kuderedza zvakanyanya kubhadhara nguva yekugadzirisa.

 

Nheyo dzekushanda kwecheki yepamhepo

Kunyangwe vanhu vazhinji vasingazive magadzirirwo emagetsi cheki, iri chaizvo maitiro akapusa. Zvinhu zvina zvakakosha pakupa cheki yemagetsi:

Kutanga: nhamba ye serial, iyo inoratidza bhangi iyo cheki inotorwa kechipiri: nhamba yeakaunti, iyo inoratidza nhoroondo iyo cheki inotorwa chechitatu: chiyero chekufungisisa, iyo inomiririra huwandu hwecheki.
chechina: zuva rakakodzera uye nguva yecheki.

Rumwe ruzivo rwakadai sezuva rekuburitswa, zita nekero yemubati weakaundi zvinogonawo kuoneka pacheki, asi hazvisungirwe.

Iyi ruzivo rwakakosha inochengetwa uye inogadziriswa kana yemagetsi cheki kubhadhara kunogoneswa. Bhangi remubatsiri rinowanzobata bhanga remubhadhari uye rinovapa ruzivo rwakakodzera. Kana bhangi remubatsiri richigutsikana panguva ino kuti kutengeserana hakuna kunyengera uye kuti kune mari yakakwana muakaunti, inobvumidza kutengeserana. Mushure mekubhadhara, mubatsiri anogona kuchengeta nhamba yeakaundi uye nhamba yekufambisa kuti ishandiswe gare gare kana kudzima ruzivo urwu.

 

Kuwedzera kwekushandiswa kwe online electronic cheki

Macheki emagetsi ari kuwedzera mukurumbira, kunyanya sezvo vatengi vanojaira kubhadhara nekukurumidza uye nekukurumidza kunopihwa nevatengesi. Vanofarirwa nevanokwereta nekuti vanogona kugamuchira mari nekukurumidza kupfuura nzira dzechinyakare. Sechinyakare, vakweretesi vaifanira kutumira cheki yavo kune imwe nzvimbo yekugadziridza kwavaipihwa mari nekupihwa kiredhiti. Vaigona kuzodzorerwa kubhengi romugamuchiri, izvo zvingatora vhiki kana kupfuura.

Vatengesi vari kuwedzera kushandisa cheki yemagetsi uye kupa vatengi vavo dzimwe nzira dzekubhadhara. Kare, vatengesi vaigara vachitora njodzi nekugamuchira cheki. Mune zvimwe zviitiko, vatengesi vakarega kugamuchira cheki yavo pachavo nekuti vaiona njodzi seyakanyanya. Nemagetsi cheki kugadzirisa, vatengesi vanobva vaziva kana paine mari yakakwana muakaundi yavo yekupedzisa kutengeserana.

 

Kubhenga pamhepo kwakachengeteka here?

Mabhangi epamhepo anofanirwa kusangana nezvinodiwa zvekuchengetedza semabhangi echinyakare. Pamusoro pezvo, chokwadi chekuti mabhangi mazhinji epamhepo akabatanidzwa zvakananga kana zvisina kunanga kumabhangi echinyakare inowedzerawo kuvimba kwevatengi mumasangano aya.

Saka haufanirwe kunetseka nezve dhipoziti garandi kana kuvimbika kwekubhengi online. Muchokwadi, idzi injodzi dzinotarisana nemabhangi. Ingave online kana yechinyakare.

Njodzi huru inobva mukubiwa kwecyber uye nzira dzakasiyana dzinoshandiswa pamambure kubira mari yako.

 

Sei zvakakosha kungwarira nekubhengi online?

Nekubhengi kwepamhepo, kutengeserana kwakawanda kunoitika pawebhu. Imwe yenjodzi huru saka kuba ruzivo. Ndosaka mabhanga epamhepo achitarisa kudzivirira cybercrime. Kuvimba nevatengi uye pakupedzisira kupona kwemabhizinesi ari muchikamu kuri panjodzi.

Tekinoroji cybersecurity matanho anosanganisira, pakati pezvimwe:

- encryption yedata: iyo data yakatsinhaniswa pakati pesevha yebhangi uye komputa yemutengi kana nhare mbozha inodzivirirwa neSSL protocol (Secure Sockets Layer, inomiririrwa neanozivikanwa "S" pakupera kweHTTPS kodhi uye pamberi peURL).

-Kuvimbiswa kwemutengi: chinangwa ndechekuchengetedza data rakachengetwa pamaseva ebhangi. Ichi ndicho chinangwa cheEuropean Payment Services Directive (PSD2), iyo inoda kuti mabhanga ashandise "nzira dzakasimba dzechokwadi" mbiri: makadhi ekubhadhara ane data yega uye makodhi anogamuchirwa neSMS (kana biometric masisitimu akadai sekuzivikanwa kwechiso kana zvigunwe).

Pamusoro pematanho ayo ekuchengetedza, mabhangi anogara achiyeuchidza vatengi vawo. Nzira dzinoshandiswa nema hackers uye nzira yekuzvidzivirira kubva kwavari.

 

Dzimwe nzira dzinoshandiswa nemacybercriminals

-Phishing: aya maemail umo munhu anonyepedzera kutaura akamiririra bhangi rako. Inokubvunza iwe ruzivo rwebhangi nekuda kwezvikonzero zvekunyepedzera uye zvinotsausa izvo bhangi haringambo bvunza. Kuti uwane runyararo rwepfungwa, bata chipangamazano wako webhangi nekukurumidza kuti uwane rumwe ruzivo. Usambofa wakatumira email yako yebhangi kune chero munhu.

- Pharming: kana iwe uchitenda kuti uri kubatana nebhangi rako. Iwe uri kuendesa makodhi ako ese ekuwana nekubatanidza kune yekunyepedzera saiti. Isa anti-virus software uye uigadzirise nguva nenguva.

- Keylogging: zvichibva pane spyware yakaiswa pakombuta pasina ruzivo rwemushandisi uye kurekodha zviitiko zvavo. Isa uye gara uchigadziridza anti-virus software kudzivirira data rako kubva kune network yevatengesi. Usapindure nekudzima maemail asina kufanira (semuenzaniso, anobva kumunhu atumira asingazivikanwe, ane zvikanganiso zvezviperengo kana girama, nyaya dzekukodha).

IT ndeyechokwadi zvakare inokurudzirwa kubatana neInternet zvine hungwaru uye nehungwaru. Dzivisa kupinda mukati kubva munzvimbo dzisina njodzi (semuenzaniso veruzhinji Wi-Fi network). Kugara uchichinja makodhi ako ekuwana uye kusarudza mapassword akasimba kunokuchengetedza matambudziko mazhinji.