Kubantu basemzini okanye abangengabo abahlali, ezinye iinkqubo Kufuneka uvule iakhawunti yebhanki eFransi. Ukuze ufunde ngakumbi malunga neebhanki ezingcono kunye neenkqubo, jonga inqaku lethu.
Ngaba ndingayivula iakhawunti yebhanki phesheya? Zeziphi iibhanki ezamkela abantu abangahlaliyo? Ngawaphi amaxwebhu afunwa ngabemi bangaphandle ukuze bavule iakhawunti yebhanki? Abaphambukeli kwaye ngaba abantu abangengabo abahlali bangacela ukuvulwa kweakhawunti yebhanki? Ndingaligcina njani ixesha? Kwenzeka ntoni ukuba isicelo sam saliwe?
Eli candelo lichaza indlela yokuvula iakhawunti yebhanki eFransi ukuba awungommi.
1 Fumana ibhanki eyamkela abantu basemzini ngaphandle.
Ukuba ukhangela ibhanki eyamkela abantu abangahlaliyo, bona iBoursorama Banque, N26 kunye neRevolut. Kukho iimeko ezimbini: ukuba awungommi waseFransi okanye ukuba ungummi waseFransi. Ukuba useFransi ixesha elingaphantsi konyaka, umzekelo njengomfundi okanye umhambi, unokuvula i-akhawunti phesheya ngebhanki ehambayo. Ukuvula i-akhawunti kwi-intanethi okanye kwibhanki yendabuko, kufuneka ulinde unyaka.
2 Ukuhanjiswa kwedatha yomntu
Ukuvula iakhawunti yebhanki phesheya, kufuneka ugcwalise iphetshana lesicelo elithatha malunga nemizuzu emihlanu. Ulwazi olufunekayo lusemgangathweni. Uya kucelwa ulwazi lomntu malunga nesipho oyikhethileyo (inombolo ye-ID, umhla wokuzalwa, ilizwe kunye nommandla), kunye neenkcukacha zakho zoqhagamshelwano kunye nephepha lolwazi olufutshane. Emva koko unokujonga kwaye usayine isivumelwano esigqityiweyo kwi-intanethi.
Ixesha elifunekayo ukuze ugcwalise ifom ye-intanethi yokuvula i-akhawunti kumazwe angaphandle ixhomekeke kwibhanki oyikhethayo: i-intanethi kunye neebhanki eziphathwayo ezifana ne-Nickel, i-Revolut okanye iifom ze-N26 ezinikezelayo ezinokuzaliswa ngokukhawuleza. Oku kusebenza nakwiibhanki zemveli, ezifana ne-HSBC.
3 Kubantu abangengabo abemi abavula iakhawunti yebhanki, kufuneka la maxwebhu alandelayo.
– Ipasipoti okanye ikhadi lesazisi
– Irisithi yerenti okanye obunye ubungqina bedilesi
– Umzekelo wokutyikitya
– Iphepha-mvume lakho lokuhlala ukuba unenkxalabo
Kule meko, ixesha elifunekayo ukuze kuqinisekiswe emva kokudluliselwa kuxhomekeke kwibhanki ekhethiweyo. Ngokomyinge, kuthatha iintsuku ezintlanu, kodwa ngebhanki ephathwayo, njenge-N26, kufuneka ulinde iiyure ezingama-48 ukuze ungene kwiakhawunti yakho yebhanki kwaye ube ne-RIB. Nge-Nickel, ikhawuleza ngakumbi, kunye neeakhawunti ezenziwe phantse ngoko nangoko.
4 Yenza idipozithi yakho yokuqala.
Idiphozithi encinci iyafuneka ukuvula i-akhawunti kumntu ongeyena umhlali, nto leyo eyenza isiqinisekiso sebhanki sokuba i-akhawunti iya kusetyenziswa ngokwenene. Ezinye iibhanki nazo zihlawulisa iifizi zokungasebenzi, ekufuneka zihlawulwe xa uvula idiphozithi. Ubuncinci bediphozithi iyahluka ukusuka kwibhanki ukuya ebhankini, kodwa idla ngokuba yi-10 ukuya kuma-euro angama-20.
Ekubeni ukuvula i-akhawunti yebhanki kubaphambukeli isoloko simahla, iibhanki musa ukubiza idiphozithi yokuqala. Ngokwe-avareji, imali idluliselwa kwisithuba seentsuku ezintlanu zokusebenza. Emva kokuba ikhadi livuliwe, iintlawulo kunye nokutsalwa kwemali kunokwenziwa.
Zeziphi iibhanki eziphambili ze-intanethi?
BforBank: ibhanki ngokutsho kwabo
I-BforBank yinkxaso-mali ye-Credit Agricole eyenziwe ngo-Okthobha ka-2009. Ngoku inabathengi abangaphezu kwe-180 kwaye yenye yezona zinto zinzima zokubhankisha kwi-intanethi. Inika uluhlu olubanzi lweemveliso kunye neenkonzo, kubandakanywa ii-akhawunti zebhanki, iimveliso zokonga ngokubanzi, iimali-mboleko zomntu, iimali mboleko kunye neenkonzo zomntu. Singasathethi ke, ikhadi lebhanki kunye nesibonelelo se-ovadrafti, zombini simahla. Unokukhupha iitshekhi zedijithali.
Bousorama Banque: ibhanki sifuna ukucebisa
I-Boursorama Banque yenye yeebhanki ezindala ze-intanethi, i-subsidiary ye-Société Générale, ephethe i-100% ukususela ekuthathweni kwayo yi-CAIXABANK. Yasekwa kwi-1995, ekuqaleni yayigxile ekurhwebeni kwemali ye-intanethi. Emva koko ngo-2006, yenza utshintsho olucwangcisiweyo kwaye yandisa isibonelelo sayo kwiiakhawunti zangoku. Namhlanje, iBoursorama Banque ibonelela ngeemali-mboleko, i-inshurensi yobomi, iiakhawunti zokonga, utshintshiselwano lwangaphandle kunye nebhanki ye-intanethi. Ikhadi ledebhithi kunye netshekhi yebhalansi zinikezelwa simahla. Ukufikelela ngokuthe ngqo kwi-mortgages kufumaneka kwi-intanethi kunye neentlawulo zeselula. Ngaphandle kokulibala, apha kwakhona, ukuhanjiswa kwetshekhi yedijithali. Iibhanki ze-Intanethi zijolise ekufikeleleni kubathengi abazizigidi ezi-4 ngo-2023.
Fortuneo Banque: ibhanki elula nesebenzayo
I-Fortuneo, inkampani yeentlawulo ezihambayo, yasekwa ngo-2000 kwaye yafunyanwa nguCrédit Mutuel Arkéa ngo-2009, eyadityaniswa ne-Symphonis ukuze ibe yibhanki. Ngaphambi koko, wayesebenza ngokukhethekileyo kwintengiso yesitokhwe kunye nenkxaso-mali. Ngoku iFortuneo ibonelela ngazo zonke iinkonzo ezibonelelwa ziibhanki ezinkulu, kubandakanywa imali yokubambisa, i-inshurensi yobomi, ukonga kunye ne-inshurensi yemoto. Kwi-2018, i-Fortuneo yayiyibhanki yokuqala yaseFransi ye-e-bhanki ukwazisa iintlawulo ezingenanto.
Yeyona bhanki ikwi-intanethi enikezela ngekhadi le-MasterCard World Elite simahla, kodwa hayi kuphela. I-ovadrafti ngokucacileyo ifumaneka simahla.
MoloBank: ibhanki ezandleni zakho
Iintlawulo zeMolo zeBhanki zaqaliswa ngo-2013 ngenkxaso yothungelwano lwebhanki yemveli ye-BNP Paribas ukutsala inani eliphezulu labathengi. Zonke iimveliso kunye neenkonzo ze-BNP Paribas ziyafumaneka kubathengi be-Allo Bank kwihlabathi liphela. Molo Bank ke ngoko inika abathengi bayo ukufikelela kuthungelwano malunga 52 ATMs kumazwe 000. Ibhanki ikhona eJamani, eBelgium, e-Austria, eFransi nase-Italy kwaye inikezela ngeenkonzo ezininzi zebhanki. Kwisebe khangela ukuthunyelwa kunye nekhadi debit simahla ziyafumaneka.
I-MonaBank: ibhanki ebeka abantu kuqala
I-Monabank yi-subsidiary yeqela le-Crédit Mutuel, eyaziwa ngokuba yi-slogan ethi "People ngaphambi kwemali", eyasungulwa ngo-2006. Ukususela ngo-Disemba 2017, i-Monabank yayinabathengi abamalunga ne-310. I-Monabank kuphela kwebhanki ye-intanethi engaboneleli ngamakhadi e-debit simahla. Ikhadi leVisa eliqhelekileyo lixabisa i-€000 ngenyanga kwaye ikhadi le-Visa Premier lixabisa i-2 ye-euro ngenyanga. Ngakolunye uhlangothi, ukuhoxiswa kwemali kukhululekile kwaye akunasiphelo kuwo wonke ummandla we-euro.
I-Monabank ayinayo imfuneko yengeniso kwaye iphumelele ibhaso leNkonzo yoMthengi woNyaka kaninzi ngokulandelelana.
N26: ibhanki uya kuyithanda
I-N26 inelayisensi yebhanki yaseYurophu, oku kuthetha ukuba ii-akhawunti zayo zokutshekisha ziphantsi kweziqinisekiso ezifanayo njengamaziko ekhredithi asekwe eFransi. Umahluko kuphela kukuba inombolo ye-akhawunti ye-IBAN iyafana neyebhanki yaseJamani. Le akhawunti yabantu abadala inokuvulwa kuphela kwaye ilawulwe nge-app yebhanki yeselula, kwaye akukho mfuneko yengeniso okanye yokuhlala.
I-akhawunti ye-N26 iyahambelana nokudluliselwa kwebhanki, kuquka ukutsalwa kwemali ngokuthe ngqo. Ugqithiso lweMoneyBeam phakathi kwabasebenzisi be-N26 lunokwenzeka ngenombolo yefowuni yomamkeli okanye idilesi ye-imeyile. Ii-ovadrafti, imali kunye neetshekhi azifumaneki kubasebenzisi baseFransi. Nangona kunjalo, ukuba uxhasa iprojekthi okanye uqalisa, unokufumana ukuya kuthi ga kwi-50 yee-euro kwimali-mboleko ye-N000.
I-Nickel: i-akhawunti yomntu wonke
I-Nickel yaqaliswa kwi-2014 yi-Financière des Payments Electroniques kwaye iye yaba yi-2017 yi-BNP Paribas. Ekuqaleni i-nickel yasasazwa kumacuba angama-5. Abathengi banokuthenga ikhadi le-Nickel lokonga kwaye bavule i-akhawunti ngqo apho. Namhlanje, i-Nickel iye yaba yintando yesininzi kwaye inikezela ngeenkonzo zebhanki ezilula kumntu wonke. Iiakhawunti ze-nickel zinokuvulwa kwangolo suku, ngaphandle kweemeko zobulungu okanye iifizi ezifihliweyo, kwii-cubacconists okanye kwi-intanethi ngaphantsi kwemizuzu emihlanu.
I-Orange Bank: ibhanki iphinde yasungulwa
Iqaliswe ngoNovemba 2017, ibhanki entsha ye-intanethi, i-Orange Bank, sele inempembelelo enkulu. Kwiminyaka emine ukusukela oko yasungulwa, ibhanki ye-elektroniki yesigebenga sonxibelelwano izuze malunga ne-1,6 yezigidi zabathengi. Ekuqaleni ibonelela ngee-akhawunti zangoku kuphela, i-Orange Bank ngoku ikwabonelela ngee-akhawunti zokonga kunye nemali-mboleko yobuqu. I-Orange Bank ikwindawo eyodwa phakathi kwebhanki ye-intanethi kunye nebhanki ephathwayo. Umzekelo, amakhadi e-Orange Bank anokwenziwa eyedwa ngokupheleleyo kwi-app. Ukuguqulwa kwemida, ukubhloka / ukuvulela, ukusebenza / ukucima i-intanethi kunye neentlawulo ezingenanto, njl. I-Orange Bank yaba yeyokuqala ukwenza "isipho sosapho". I-Orange Bank Family: ngale phakheji, uyaxhamla kwisipho esongezelelweyo sokuya kumakhadi omntwana amahlanu nge-9,99 kuphela ngenyanga.
I-Revolut: ibhanki ehlakaniphile
I-Revolut isekwe kwi-100% yetekhnoloji yezemali ephathwayo, ukuze abathengi bakwazi ukulawula iiakhawunti zabo kunye nokubhankisha kuphela ngeRevolut app. Inkampani inikezela ngeenkonzo ezine. Inkonzo eqhelekileyo isimahla kwaye ixabisa i-2,99 yee-euro ngenyanga.
Abanini beakhawunti ye-Revolut banokusebenzisa i-app yeselula ukuhambisa imali kwiiakhawunti zabo kwaye benze zonke iintengiselwano zebhanki ukusuka apho. Ngokomzekelo, unokwenza utshintshiselwano ngemali, ukudluliselwa kwebhanki, ii-odolo zemali kunye nokutsalwa kwemali ngokuthe ngqo.
Nangona kunjalo, umnini-akhawunti akakwazi ukwenza iintlawulo ezidlula isixa esipheleleyo semali efakwe kwi-akhawunti. Yonke into isebenza ngolu hlobo, umnini-akhawunti kufuneka aqale agcwalise i-akhawunti aze enze iintlawulo ngokudluliselwa kwebhanki okanye ngekhadi letyala.
Ikhadi ledebhithi lisetyenziselwa ntoni?
Ikhadi lebhanki (njengeetshekhi) yindlela yokuhlawula edityaniswe ne-akhawunti yangoku (yobuqu okanye edibeneyo) kwaye, njengeetshekhi, yeyona ndlela ixhaphakileyo yokuhlawula eFransi. Zingasetyenziselwa ukuthenga ngokuthe ngqo kwiivenkile okanye kwi-intanethi kunye nokukhupha imali kwii-ATM okanye iibhanki.
Amakhadi okuthenga ngetyala anokukhutshwa ziibhanki namanye amaziko okuthenga ngetyala. Basenokuquka nezinye iinkonzo ezifana ne-inshurensi okanye iinkonzo zokubhukisha.
Iintlobo ezahlukeneyo zamakhadi okuhlawula kunye neemeko zabo zokusetyenziswa.
— Amakhadi ebhanki okutsalwa: Eli khadi likuvumela ukuba utsale imali kuphela kwii-ATM ezikuthungelwano lwebhanki okanye kwii-ATM ezizezinye iinethiwekhi.
— Amakhadi ebhanki entlawulo: La makhadi akuvumela ukuba ukhuphe imali kwaye uthenge kwi-Intanethi okanye ezivenkileni.
— Amakhadi okuthenga ngetyala: Endaweni yokuhlawula imali ezinkozo kwi-akhawunti yakho yebhanki, utyikitya isivumelwano sohlaziyo nomntu okhupha ikhadi letyala kwaye uhlawule inzala emiselweyo ngokwemiqathango yekhontrakthi.
— Amakhadi e-Prepaid: La ngamakhadi akuvumela ukuba utsale umyinge wetyala elihlawulelweyo.
— Ikhadi lenkonzo: lingasetyenziselwa kuphela ukuhlawula iindleko zoshishino ezibizwa kwi-akhawunti yenkonzo.
Ikhadi ekufakwa imali.
Lelona khadi lixhaphakileyo lokuhlawula eFransi. Kukho iintlobo ezininzi ezahlukeneyo.
- Amakhadi asemgangathweni njengeVisa Classic kunye ne-MasterCard Classic.
- Amakhadi ePremium njengeVisa Premier kunye neMasterCard Gold.
-Amakhadi ePremium njengeVisa Infinite kunye ne-MasterCard World Elite.
La makhadi ahlukaniswa ngendlela yokusetyenziswa kwentlawulo kunye nokurhoxiswa, i-inshurensi kunye nokufikelela kwiinkonzo ezongezelelweyo zamahhala okanye ezihlawulelwayo. Ixabiso eliphezulu lekhadi, iinkonzo ezininzi kunye neenzuzo ezinikezelayo.
Ohluke njani amakhadi edebhithi?
Ngekhadi ledebhithi, unokukhetha ukuhlawula yonke ngaxeshanye okanye uhlehlise intlawulo. Yintoni umahluko phakathi kwazo zombini ?
Ikhadi le-debit elikhawulezayo litsalwa isixa-mali kwi-akhawunti yakho yakuba nje ibhanki yazisiwe ngokutsalwa okanye ngentlawulo, okt zingaphelanga iintsuku ezimbini okanye ezintathu. Ngekhadi lokutsalwa kwetyala, iintlawulo zithathwa kuphela ngomhla wokugqibela wenyanga. Eyangaphambili inexabiso eliphantsi kwaye kulula ukuyisebenzisa, ngelixa le yokugqibela ibiza kakhulu, kodwa ibhetyebhetye ngakumbi.
Ngokhuseleko olongezelelweyo, unokukhetha kwakhona ikhadi elifuna ukugunyaziswa yinkqubo. Phambi kokuvumela intlawulo okanye imbuyiselo, ibhanki ijonga ukuba imali ekufuneka itsalwe kwiakhawunti yakho yangoku. Ngaphandle koko, intengiselwano iya kwaliwa.
Indlela yokusebenzisa ikhadi lakhe?
Ukuba ufuna ukusebenzisa ikhadi lakho lokutsala imali okanye ukuhlawula ezivenkileni, faka nje ikhowudi eyimfihlo oyinikwe xa ukhupha ikhadi lakho. Iintlawulo ezingaqhagamshelwanga ze-20 ukuya kwi-euro ezingama-30 nazo ziyafumaneka, kodwa ayizizo zonke iitheminali zokuhlawula zixhotyiswe ngobu buchwepheshe.
Ukusebenzisa ikhadi lebhanki kwiintlawulo ze-elektroniki, kufuneka ukwazi inombolo ephambi kwekhadi kunye nekhowudi yokubona enamanani amathathu. Nokuba eli khadi ulinikwa yibhanki yemveli okanye kwi-intanethi, yinto enye.
Yintoni itshekhi yombane?
Itshekhi ye-elektroniki, ekwabizwa ngokuba yi-e-cheque, sisixhobo esivumela umhlawuli ukuba atsale i-akhawunti yebhanki yomntu ohlawulwayo ngaphandle kokusebenzisa itshekhi ebonakalayo. Ngokuxhomekeke kwimeko, oku kunenzuzo kubo bobabini umhlawuli kunye nomamkeli. Banokunciphisa kakhulu ixesha lokucubungula intlawulo.
Imigaqo yokusebenza yetshekhi ye-intanethi
Nangona abantu abaninzi bengayazi indlela yokujonga iitshekhi ze-elektroniki, eneneni yinkqubo elula kakhulu. Izinto ezine zibaluleke kakhulu xa kukhutshwa i-electronic check:
Okokuqala: inombolo yothotho, echonga ibhanki apho itshekhi itsalwa okwesibini: inombolo ye-akhawunti, echonga i-akhawunti apho itshekhi itsalwa okwesithathu: isixa sokuqwalaselwa, esimele isixa setshekhi.
yesine: umhla omiselweyo kunye nexesha letshekhi.
Olunye ulwazi olunjengomhla wokukhutshwa, igama kunye nedilesi yomnini-akhawunti nazo zinokuvela kwitshekhi, kodwa akunyanzelekanga.
Olu lwazi lubalulekileyo lugcinwa kwaye luqhutywe xa intlawulo yetshekhi ye-elektroniki yenziwe. Ibhanki yomxhamli idla ngokuqhagamshelana nebhanki yomhlawuli kwaye ibanike ulwazi oluyimfuneko. Ukuba ibhanki yomxhamli yanelisekile ngeli nqanaba ukuba ukuthengiselana akunabuqhophololo kwaye kukho imali eyaneleyo kwi-akhawunti, iya kuvuma ukuthengiselana. Emva kwentlawulo, umxhamli unokugcina inombolo ye-akhawunti kunye nenombolo yomzila ukuze isetyenziswe kamva okanye icime olu lwazi.
Ukwandiswa kokusetyenziswa kweetshekhi zombane kwi-intanethi
Iitshekhi ze-elektroniki ziya zithandwa kakhulu, ngakumbi njengoko abathengi beqhelana neentlawulo ezikhawulezayo nezikhawulezayo ezibonelelwa ngabathengisi. Ziyathandwa ngabantu abatyalwayo kuba banokufumana imali ngokukhawuleza kuneendlela eziqhelekileyo. Ngokwesithethe, ababolekisi babefanele bathumele iitshekhi zobuqu kwiziko lokulungisa izinto apho zazihlawulwa khona zize zifakwe nekhredithi. Zinokubuyiselwa kwibhanki yaloo mntu, nto leyo enokuthabatha iveki okanye ngaphezulu.
Abathengisi bayanda ukusebenzisa iitshekhi ze-elektroniki kwaye banikezela abathengi babo ezinye iindlela zokuhlawula. Ngaphambili, abarhwebi bebesoloko bethatha ingozi ngokwamkela iitshekhi. Kwezinye iimeko, abathengisi bayeka ukuzamkela iitshekhi zobuqu kuba becinga ukuba umngcipheko uphezulu kakhulu. Ngokulungiswa kwetshekhi ye-elektroniki, abarhwebi ngokukhawuleza bayazi ukuba kukho imali eyaneleyo kwiakhawunti yabo ukugqiba intengiselwano.
Ngaba ukubhankisha kwi-intanethi kukhuselekile ngokwenene?
Iibhanki ezikwi-Intanethi kufuneka zihlangabezane neemfuno zokhuseleko ezifanayo njengeebhanki zemveli. Ukongeza, into yokuba uninzi lweebhanki ze-intanethi zincanyathiselwe ngokuthe ngqo okanye ngokungathanga ngqo kwiibhanki zemveli nazo zonyusa ukuzithemba kwabathengi kula maziko.
Ke akufuneki ube nexhala malunga neziqinisekiso zediphozithi okanye ukuthembeka kwebhanki ye-intanethi. Enyanisweni, ezi ziingozi ezijongene neebhanki. Nokuba kwi-intanethi okanye ngokwesiko.
Ingozi enkulu ivela kubusela be-cyber kunye neendlela ezahlukeneyo ezisetyenziswa kwi-net ukuba imali yakho.
Kutheni kubalulekile ukuba silumke ngebhanki online?
Ngokubhankisha kwi-Intanethi, uninzi lwentengiselwano lwenzeka kwiwebhu. Enye yeengozi ezinkulu ke ngoko kukubiwa kolwazi. Yiyo loo nto iibhanki ze-intanethi zigxile ekuthinteleni ulwaphulo-mthetho kwi-intanethi. Ukuthembana kwabathengi kwaye ekugqibeleni ukusinda kwamashishini kwicandelo kusemngciphekweni.
Amanyathelo obugcisa bokhuseleko lwe-cybersecurity abandakanya, phakathi kwezinye:
- ukufihlwa kwedatha: idatha etshintshiweyo phakathi kweeseva zebhanki kunye nekhompyuter yomxhasi okanye ifowuni ephathwayo ikhuselwe yiprotocol ye-SSL (I-Secure Sockets Layer, emelwe yi-"S" eqhelekileyo ekupheleni kwekhowudi ye-HTTPS naphambi kwe-URL).
– Ukuqinisekiswa koMthengi: injongo kukukhusela idatha egcinwe kwiiseva zebhanki. Le yinjongo ye-European Payment Services Directive (PSD2), efuna ukuba iibhanki zisebenzise "iindlela zokuqinisekisa eziqinileyo" ezimbini: amakhadi okuhlawula aqulethe idatha yomntu kunye neekhowudi ezifunyenwe ngeSMS (okanye iinkqubo ze-biometric ezifana nokuqaphela ubuso okanye iminwe).
Ukongeza kumanyathelo ayo okhuseleko, iibhanki zihlala zikhumbuza abathengi bazo. Iindlela ezisetyenziswa ngabagebenga kunye nendlela yokugada kubo.
Ezinye iindlela ezisetyenziswa ngootsotsi be-intanethi
-Phishing: ezi zii-imeyile apho umntu azenza ngathi uthetha egameni lebhanki yakho. Ikubuza ngeenkcukacha zakho zebhanki ngezizathu ezingeyonyani nezilahlekisayo ezingenakuze zibuzwa yibhanki. Ukufumana uxolo lwengqondo, qhagamshelana nomcebisi wakho webhanki ngokukhawuleza ngolwazi oluthe kratya. Ungaze uthumele iinkcukacha zakho zebhanki nakubani na.
– Pharming: xa ukholelwa ukuba uqhagamshela kwibhanki yakho. Uthumela zonke iikhowudi zakho zokufikelela ngokuqhagamshela kwisiza esingeyonyani. Faka i-anti-virus software kwaye uyihlaziye rhoqo.
– Keylogging: ngokusekwe kwispyware efakwe kwikhompyuter ngaphandle kolwazi lomsebenzisi kunye nokurekhoda imisebenzi yabo. Faka kwaye uhlaziye rhoqo isoftware ye-anti-virus ukukhusela idatha yakho ekuyeni kwinethiwekhi yabarhwebi. Sukuphendula kwaye ucime ii-imeyile ezingafanelekanga (umzekelo, ezo zisuka kumthumeli ongaziwayo, ezineempazamo zopelo okanye zegrama, imiba yekhowudi).
Ngokuqinisekileyo kuyacetyiswa ukuba uqhagamshele kwi-Intanethi ngenkathalo nangobulumko. Kuphephe ukungena kwiindawo ezisesichengeni (umzekelo uthungelwano lweWi-Fi lukawonke-wonke). Ukutshintsha rhoqo iikhowudi zakho zokufikelela kunye nokukhetha amagama ayimfihlo anamandla kuya kukugcina iingxaki ezininzi.
