Lapho uthuthela eFrance, ukuvula i-akhawunti yasebhange ngokuvamile kuyisinyathelo esidingekayo. Akunakwenzeka ngempela ukuhlala ngaphandle kwayo: kubalulekile ukuthola imali, ukuyikhipha noma ukukhokha imikhiqizo namasevisi ... Nazi ezinye amathiphu ukuvula i-akhawunti yasebhange eFrance bese ukhetha ibhange.
Ibhange laseFrance labangaphandle
Kungakhathaliseki ukuthi uya eFrance ukuyofunda noma ukusebenza, ukuvula i-akhawunti yasebhange kubalulekile. Izinyathelo zingathatha isikhathi, kodwa ziwusizo kulabo abafisa ukuhlala izinyanga eziningana noma iminyaka enhlabathini yaseFrance.
Abezizwe abahlala eFrance nabo kumele bavule i-akhawunti yasebhange. Abaningi bakhetha ukubuyela ebhange langaphandle ngenxa yemali ephansi. Ngempela, ukugcina i-akhawunti yakho ivulekile ezweni lakho kungaba isinqumo esibi futhi esingenasisindo.
Ubude bokuhlala eFrance buyinquma ngokukhetha kokunikezwayo kanye nebhange. Izakhamuzi zakwamanye amazwe ngeke zithuthele emabhange noma izinzuzo ezifanayo uma zihlele ukuhlala okungaphezulu konyaka kunomhlabathi waseFrance.
Izimo zokuvula i-akhawunti ebhange laseFrance
Labo abafisa ukuvula i-akhawunti yasebhange njengezizwe zakwamanye amazwe kuzodingeka ukuthi balethe i-ID yesithombe esemthethweni. Ngakho-ke kungaba khona ipasipoti. Eminye imibhalo eqinisekisa ukuthi ngubani ofake isicelo angacela. Lokhu kwenzeka ikakhulukazi lapho abakwazanga bengakwazi noma bangayi emzimbeni (amabhange ase-intanethi, isibonelo). Umuntu kumele abe ngumdala futhi akumelwe avunyelwe.
Kuzocelwa nobufakazi (obuqinisekisa ikheli lokuhlala eFrance). Imibhalo ethile eqinisekisa isimo sakhe sezezimali njengesivumelwano sokuqashwa noma ubufakazi bokuthola imali nayo ingalindelwa. Amabhange aseFrance akuvamile ukuthi agunyaze ukusetshenziswa ngokweqile kula ma-akhawunti asebhange.
Vula i-akhawunti yasebhange ngaphezu konyaka owodwa
Amabhange angaba yindabuko namuhla futhi ngokoqobo, noma agcinwe ngokugcwele njengoba kunjalo namabhange ase-intanethi. Izinhlinzeko zabo zihlukile futhi kufanele zifaniswe ngaso sonke isikhathi.
Amabhangi ase-French ajwayelekile
Kubantu bamazwe angaphandle, okulula kakhulu ukufuna iseluleko sebhange lobudabu laseFrance, ikakhulukazi uma lingalutholi imigomo elindelwe amabhange ase-intanethi. Abantu abafuna ukuvula i-akhawunti yasebhange kumele bahlale eFrance, futhi hhayi nje kuphela lapho bezokuvakasha.
Amabhange amakhulu asekhona eFrance njengenhlangano ethi Société Générale, BNP Paribas, Crédit Agricole, Crédit Mutuel noma i-HSBC yiwo wonke amabhange angacela abantu bezinye izizwe. Iqiniso elilula lokuya ngqo ejensi ngekhadi le-ID kanye nobufakazi bokuthi ungubani kanye neholo engenakho kunganele ukuvula i-akhawunti yasebhange.
Amabhange atholakalayo
Okudingayo ukwazi ngamabhange ase-intanethi ukuthi ngokuvamile badinga ukuthi abhalisele ukuba ne-akhawunti yasebhange esuka ebhange laseFrance. Lokhu kuvumela ukuthi baqinisekise ukuthi ngubani onobunikazi futhi bazivikele ekukhwabaneni. Wonke umuntu ofuna ukuvula i-akhawunti yasebhange eFrance kungenzeka ukuthi usevele ekhona ngokomzimba ebhange laseFrance. Uma ikhasimende lingenayo i-akhawunti, kumele kuqala ibuyele ebhange laseFrance elibonakalayo ukuze livule kuqala. Khona-ke uyobe ekhululekile ukufaka isicelo sebhange eliku-intanethi ukuze alishintshe.
Abafokazi abahlala eFrance ukuze basebenze noma baqhubekele izifundo zabo bazokwazi ukubuyela amabhange aseFrance online. Zilungele izizwe zakwamanye amazwe ngoba zishibhile kakhulu. Abaningi babo banikeza ukunikezwa kwamahhala nokwamukela amakhasimende kuzo zonke izizwe uma nje bekwazi ukuhlonipha ukubusa kwabo eFrance.
Amabhange aku-inthanethi ajwayele ukuba nemibandela embalwa, yize amanye edonsa kanzima kunamanye. Imvamisa, obhalisile kufanele abe seminyakeni esemthethweni, ahlale eFrance futhi abe nemibhalo edingekayo yokuxhasa (ubunikazi, indawo yokuhlala kanye nemali engenayo). Lawa mabhange aku-inthanethi yi: Fortuneo, ING Direct, Monabanq, BforBank, Hello Bank, Axa Banque, Boursorama…
Vula i-akhawunti yasebhange okungaphansi konyaka
Lesi simo ngokuvamile sikhathazeka ngabafundi nabafundi base-Erasmus abaza eFrance izinyanga ezimbalwa kuphela. Ngakho-ke, lezi zizwe zakwamanye amazwe zifuna ibhange laseFrance ukuvula i-akhawunti futhi ligcine izimali zebhange (ukugwema ukuthunyelwa kwamakhomishini evela emazweni angaphandle). Ngempela, kulaba bafundi, izinkokhelo zokukhokha nokuhoxiswa ziphakeme kakhulu kangangokuthi zidinga ukuvula i-akhawunti yasebhange ehlala eFrance.
Amabhange ase-intanethi anganikeli isisombululo esasetshenziswa kulaba bantu. Amabhange wendabuko ahlala ezisombululo ezinhle kakhulu zokuvula i-akhawunti yasebhange uma ubude bokuhlala bungaphansi konyaka owodwa.
Vula i-akhawunti yasebhange eFrance ngenkathi uhlala kwelinye izwe
Abezizwe abangahlali eFrance bangase badinge ukukhipha i-akhawunti yasebhange eFrance. Amabhanki ase-Inthanethi awanikezi lolu hlobo lokunikezwa. Amanqamu amaningi amasiko aseFrance ayenqaba nokuvula la ma-akhawunti. Zimbalwa izixazululo ezihlala.
Okokuqala ukuphendukela ebhange lendabuko labangaphandle. Abanye bamukela amakhasimende angahlali eFrance. Ku-inthanethi, yinye kuphela evumayo futhi iyi-HSBC. Bangaya futhi egatsheni baxhumane neSociété Générale noma iBNP Paribas. ICaisse d'Épargne neCrédit Mutuel nakho kungathintwa.
Ekugcineni, isixazululo sokugcina siyatholakala kubahlali bakwamanye amazwe: yibhange i-N26. Yibhange laseJalimane elinabela emazweni amaningana. Ukuze ubhalise, kufanele uhlale kwelinye lamazwe alandelayo: France, Germany, Ireland, Austria, Spain, Italy, Belgium, Portugal, Finland, Netherlands, Latvia, Luxembourg, Lithuania, Slovenia, Slovakia, Estonia nase Greece . Uma kuyi-RIB yaseJalimane, umthetho osebenzayo wokubandlululwa kwamabhange eYurophu uphoqa izikhungo zaseFrance ukuthi zikwamukele. Lokhu okuhlukile ngakho-ke kungabonakala kuthakazelisa ezimweni eziningi.
Ukuphetha
Ukuvula i-akhawunti yasebhange eFrance kungase kubonakale kuyinkimbinkimbi. Kodwa-ke, lo mkhuba uvame ukuba lula eminyakeni edlule, ikakhulukazi kubafokazi. Amabhange aseFrance anesibopho sokukwazi amakhasimende abo. Bazama ukunikeza izixazululo ezilula zokuvula i-akhawunti yabo yangaphandle.
