IBAN - kuyini? Inombolo ye-akhawunti International Bank

Emphakathini wanamuhla, Ukudluliselwa international zithandwa kakhulu. Akusiyo imfihlo ukuthi kuwusizo kakhudlwana ukuba afeze ebhange. Lapho udinga ukuthola ukudlulisela kusuka EU futhi European Economic Area, kanye namanye amazwe, umthumeli ekubuza ikhodi IBAN. Kuyini futhi ziyini?

Isifinyezo IBAN simelela ukuthi International Bank Inombolo ye-akhawunti. Lokhu kusho ukuthi ikhodi evamile usebenza isiteji ngamazwe. Kunikezelwe ngokusho wamukela kwamazinga amazwe ngamazwe.

Izinzuzo Inhloso eyinhloko IBAN

IBAN (ibhange senombolo akhawunti) uzodinga uma unquma ukudlulisela imali ukudluliselwa ku-akhawunti yasebhange ise izwe EU noma EEA noma ngenye uthi. Inombolo ikhodi ingatholakala ngokuthumela isicelo kumamukeli kwezimali.

Uma aluboniswa ikhodi imibhalo ukukhokhelwa noma eyiphutha ukubhale phansi, umamukeli ongawamukeli imali. Babuyele emuva umthumeli, kodwa hhayi ngokugcwele, futhi net amacala ebhange. Ama-oda ephathelene ukuthi ifunani IBAN kuzo zonke oda ukukhokhelwa ngaphakathi izinkokhelo currency angaphandle esivuna EU amabhange amaklayenti-EEA laqala ukusebenza yayo kusukela ngo-January 2007. Manje le khodi isetshenziswa emazweni angaphezu kuka-ayisishiyagalolunye emhlabeni wonke.

Sibala Izinzuzo esemqoka usebenzisa le-ID:

• akhawunti asebhange asethwe ngokuvumelana elifanayo;
• sihamba ngokuzenzakalela kuqinisekiswa akhawunti asebhange;
• kukhona ukwenza ngcono ikhwalithi yokubandula kwamakhasimende ;
• kukhona ukucutshungulwa ngokuzenzekelayo izinkokhelo;
• inkokhelo yenziwa ngokushesha futhi imisebenzi abiza i ebhange wekhasimende kuyehla;
• ukwehla ematfuba amaphutha aye enziwa ababusi opharetha lapho wenza ukudluliswa.

Isakhiwo ikhodi

Cabanga isakhiwo IBAN ikhodi. Kuyini kuyinto kuyinto lesi sikhombi ukusiza ukunquma ukuqaqwa izinhlamvu zamagama futhi ezinombolo, zazo yakhiwa. Inani lezinhlamvu 34, futhi ngamunye wabo ulwazi oluthile:

• Eyokuqala izinhlamvu ezimbili - ikhodi yezwe, okuyinto isikhungo yasebhange somnikazi we-akhawunti;
• Okulandelayo ezimbili - ikhodi inkomba esiyingqayizivele obekwe ngokuvumelana nezindinganiso zamazwe ngamazwe;
• Labo babusi abane uphinda lokuqala amagugu ezine yezinombolo isikhungo sezezimali BIC;
• amadijithi asele ungumnikazi we-akhawunti ikhodi esiyingqayizivele, okuyinto esabekwa isikhungo yasebhange.

Kumaphi amazwe baye basebenzisa ID IBAN?

Angaphezu kuka-ayisishiyagalolunye emhlabeni asetshenziswa ohlelweni Banking yamazwe ngamazwe-akhawunti yasebhange isihlonzi. Lezi zihlanganisa izinto zakuqala uthi KwabaseSoviet Kwakugxile Khona - Georgia naseKazakhstan. ERussia, le amabhange abe kuze IBAN. Kuyini lokhu, iningi lezakhamuzi zethu nakwazi. Kodwa manje, basuke babhekana isidingo ucacise le ID ukuthola nezimali ezivela kwamanye amazwe.

Kuyathakazelisa ukuthi kuyi-Savings Bank of Kazakhstan IBAN usuvele usebenzisa i Imali ethunyelwe phesheya, kuyilapho ehhovisi ephakathi ye Sberbank eRussia uye emisha esinjalo wathinta.

Kanjani ukufeza zangaphandle izinguqulo ngesiRashiya?

Yabe seyaziwa ukuthi amabhange Russian ungayisebenzisi emisebenzini IBAN yabo isihlonzi imisebenzi ehlobene ukudluliswa kweemali kusukela EU futhi EEA amazwe. Ngakho-ke, izakhamuzi zethu kungase kusho ukubhekana nobunzima ekusebenziseni kwabo. Ngoba uma unganiki European ebhange-umthumeli le khodi, wamane enqaba kuwe kule kuthengiselana.

Okufanele ukwenze kuleli cala? Uma umthumeli wena udinga ukudlulisela ethile eRussia, zama ukuchaza isimo isisebenzi yebhange. Uma umamukeli, bese uchazela umthumeli ukuthi ukuhumusha kudingeka ukuthi ukhombise imininingwane ephethwe ibhange lakho Russian kuphela. Uma ukhuluma nge ebhange abalethanga imiphumela, sicela ubheke kwesinye isikhungo yasebhange.

Ukuze uthumele ku-akhawunti ovulekile Savings Bank noma ezinye ezinye amabhange, udinga ukuba ngokuthi SWIFT namakhodi BIC (ayinayo IBAN).

Uyini-SWIFT? Le khodi uhlobo Analogue we IBAN, kodwa ngokungafani naye, lesi sikhombi sivumelekile ku Russian Federation.

Ikhodi ye-BIC kuyinto inombolo zangaphakathi zasebhange ukuthi isethelwe wonke ama-akhawunti kugcinwe kwi insimu yase Russia. It ikuvumela ukuba ukunquma hhayi kuphela umnikazi we-akhawunti, kodwa futhi indawo egatsheni yasebhange lapho akhawunti wavulwa.

Zombili lezi ama-ID zihlanganisa imininingwane esiyisibopho akhawunti, abasebenza insimu yase Russia. Ngokuvamile, futhi kwamanye amazwe aseYurophu kwanele ucacise le mininingwane wokwenziwe ezidlule ukudluliswa kwemali.

Wazi kanjani ukuthi inombolo ebekiwe umamukeli IBAN?

Uma ufaka okungalungile ikhodi IBAN, imali nje awufiki ekhelini bese ubuyela umthumeli, net ikhomishini ebhange. IBAN yokuqinisekisa kungaba kwenziwe ngosizo «IBAN_checker» Uhlelo, okuyinto unjiniyela American Express Bank Ltd Ukuze uqinisekise udinga ukufaka emgqeni esifanele ikhodi olunikezwa umamukeli. Uhlelo enquma ikhodi efanele nemingcele ezilandelayo:

• lesifanele isipelingi isihlonzi;
• inombolo lefanele kwamadijithi egumbini.

Uma zombili lezi nemingcele ziyiqiniso, bese-ke kusho ukuthi ukuhlola IBAN kuphumelela, une idatha elungile.