Lwemali ikhadi lasebhange kungcono?

Ukuthandwa non-cash izinkokhelo liyakhula usuku ngalunye oludlulayo. ikhadi Plastic ungakwazi ukukhokha izikweletu ezitolo, amathilomu, izindawo zokudla, iziteshi ngophethiloli, izikhungo zezempilo nokunye. D. Ukuze izibalo ensimini ka Russia lokuvula ama-akhawunti ruble Russian. Ukuze-ke inamathelisiwe debit card. Kodwa kuthiwani uma umuntu uya phesheya? Iliphi ikhadi lesikweletu ukuvula kangcono? Lwemali. It is hhayi kakhulu "hit phezu isikhwama" ngezikhathi zeziyaluyalu.

Cash noma ikhadi

Kuze kwaba seminyakeni embalwa edlule ngaphambi uhambo phesheya baseRussia ukuthenga zamadola zamaRandi amahhovisi exchange. Abaningi kahle manje. Kodwa kungcono ukukhipha ikhadi ebhange bese ugcine imali kuso. Khona-ke akudingeki ukuba baphathe wad yemali, futhi uma ukulahlekelwa esebenzisa plastic kungenziwa PUK. Esikhathini esinzima kakhulu isimo izihlobo uzokwazi phezulu i-akhawunti yakho ruble njalo.

Lwemali Ikhadi eRussia akukakabi njengoba othandwayo i-debit evamile. Abasebenzisi nivuna eziningi imibuzo. Kungenzeka yini ukuba umuntu akhokhe ke ezitolo European? Uyini ikhomishana ebhange? Lapho kangcono imali? Indlela ukukuvikela ekukhwabaniseni?

izinhlobo

Okuvame kakhulu izinhlelo zokukhokha emhlabeni - nge Visa kanye MasterCard - ezishisa kakhulu zikhipha izinhlayiyana amakhadi epulasitiki kunoma iyiphi iyunithi yemali. Abakwazi ukukhokhela off esitolo, lapho kukhona logo okuhambisanayo. Kodwa ezindaweni eziningi has umehluko wemisindo nemiqondo yamagama yayo. Ngokwesibonelo, iningi izitolo eYurophu abayamukeli plastic ngaphandle chip. EJalimane, kulula ukukhokhela ukuthengwa Maestro ikhadi. Geopolicy nakho kubalulekile. Lwemali Card, esikhishwe amabhange Armenia Azerbaijan ngeke isinyathelo. EMelika Ephakathi alamukeli credit imibhalo ekhishwe e-United States, nokunye. D.

Emazweni lapho izinkinga umkhakha izivakashi nge cashing imali ngeke. Uma uya endaweni ayinabantu abaningi, kungcono zishintshe imali eRussia. Umgwaqo ukuthatha hhayi elilodwa okungenani ezintathu amakhadi: iholo, ikhadi okwenza imali credit. Into esemqoka ukuthi babezindla esikhishwe Visa noma MasterCard emabhange ezahlukene.

izindleko

Kohambo eYurophu imele evulekile lwemali ikhadi kumadola noma US. Rouble Visa Classic futhi MasterCard Standart phesheya kuthanda. Kodwa ukuthengwa kuyabiza ngenxa ukuguquka izifundo. Kuyini lokhu? Uma i-akhawunti akhokhiswa e currency angaphandle (dollar, euro), inani izoguqulelwa ku ruble ngesilinganiso Petersburg. Uma izimpahla zikhokhwa franc Swiss, lesi sibalo okuholela izoguqulelwa once more lwemali ye-akhawunti. Ngayinye kuthengiselana eliqinisekisiwe ezinjalo.

Ungakhohlwa mayelana nokulahlekelwa exchange angaphandle. Ngesikhathi inani lokuthenga ku-akhawunti ivaliwe. Ingabe ukwesulwa lapho ibhange isiqinisekiso kuthengiselana. Isikhathi umehluko ukuthatha izinsuku ezimbalwa, phakathi kwesikhathi lapho izinguquko izinga.

Ukuze ukhipha izimali zakwamanye amazwe nge ikhomishana akhawunti ruble uyala nebhange elikhiphe elikhiphe ikhadi, kanye nomuntu wawenza. Kukhona futhi imikhawulo cash ukuhoxiswa, okumele ucacise phambi phesheya.

ukuphepha

Ukukhwabanisa ne amapulasitiki zenzeka, kodwa kuyaqabukela. abasebenzi Isondlo akakwazi okubili idatha. Yonke imisebenzi kwenzeke phambi umsebenzisi. Lwemali Card "Priorbank" ine ezihamba ngogesi, i-PIN kanye CVV-ikhodi. Ngaphezu kwalokho, abasebenzisi kungaba ukucupha isevisi ye-SMS-ulwazi mayelana nokungena kwezimali, zibeka imingcele amanani bhala-off kusukela akhawunti kungakapheli usuku noma ezweni elithile, njalo njalo .. Okwazekayo, ibhange ubophekile ukuba nxephezela lemali iyobe yebiwe uma iklayenti unolwazi mayelana ukuntshontshwa imali emini ngemuva wathola SMS.

VS ruble lwemali Savings Bank Card

Ekupheleni kuka-2014, abasebenzisi abaningi bakhononda ngokuthi ngokuthenga ezitolo bezinye izizwe abavela emaqenjini akhawunti adonswe lemali inkulu ukwedlula e-invoyisi. Ukuze Disemba 17, i-ruble emakethe interbank lehla uphawu 61.1 ukufika ku-80 Zonke amacala ngokuthenga ezitolo angaphandle kumele kwenziwe ngesilinganiso esisha. Ngenxa yalokho, abanikazi of ruble amakhadi kwamiswa overdraft. izikhungo eziningi zezimali, umthetho owawuthi izikweletu iklayenti ngaphansi akhawunti eyodwa kwenziwa ngezithukuthuku omunye. Kuyefana nasendleleni kumasevisi we-intanethi futhi ATM. Lapho ukuphela inikeza Imali ecelwe izimali zakwamanye amazwe, akusho ukuthi imali empeleni ezidonswe ku-akhawunti. Lesi simo incazelo enhle kakhulu izinzuzo currency angaphandle amakhadi. Ababona kuncike bashintshisane izinga umehluko. Kanjani hhayi ukulahlekelwa imali ngezikhathi ukwehla? Yenza ikhadi lwemali futhi ukukhokhela izimpahla zakhe ezitolo angaphandle kanye nezinsizakalo.

Lokho kufanele sinake

Ngaphambi kokuvula i-akhawunti kudingeka unqume on isigaba kanye nohlobo insimbi yenkokhelo. "Standard" amakhadi "premium" sipho amakhasimende izinketho ezengeziwe. Kodwa amasevisi abo izobiza penny kuhle. Lwemali MasterCard Standart Card noma ye-Visa Classic ekhishwe for the $ / € 10-15. Bona ingasetshenziswa ukuhoxisa ukheshi, ukukhokhela izimpahla, ukuqasha, ukubhuka ehhotela, amathikithi emoyeni. Amamephu ekilasini ephakeme enze umsebenzi ofanayo, kodwa uqokomisa isimo sezimali umnikazi. "Technobank" linikeza amakhasimende ayo ukukhipha Visa Igolide noma ye-Visa Platinum 10 no-50 y. e., ngokulandelana. Unyaka wokuqala wenkonzo izobiza umbambi ukuhlanganisa $ / € - 30-50, kwesibili - $ / € - 40-100. KwiBhodi sokuthola cashing izindlela ukufakwa ezihleliwe (2-3 ngesikhathi. E.) Futhi kwenombolo (2-3%) ubuningi.

Khetha izindlela zokukhokha nezinye izinhlelo akudingekile. Kungokufanayo American Express ongakabi kuthathwe emhlabeni wonke. Lwemali Ikhadi kuvula kumadola noma euro. Ama-Akhawunti e nezinye amayunithi yemali yisigungu cross-rate. Izivakashi abahambayo eziningi, kunengqondo ukuvula i-akhawunti multi-lwemali. Kulokhu, a plastic ungakwazi ukukhokhela izimpahla in ruble, amadola noma euro. Izindleko yesevisi phakathi naso sonke isikhathi kuyoba 10-55 zamadola.

uhlobo

Okuvame kakhulu amakhadi debit ezisetshenziswa njengeziwusizo isikhwama electronic. Credit e currency angaphandle kungenziwa ikhishwe amakhasimende kuphela ezingeni lelisetulu engenayo. Kungcono ukukhetha izinhlelo ozithandayo ibalwa njalo ngosuku ngaphezu kwezimali empeleni esetshenziswa. I elikhulu kakhulu okufana - ukonga ikhadi. Ungawasebenzisa ukukhokhela izindleko kanye ukwandisa capital yakho. ngesilinganiso esingaba 5% ngonyaka. Kukhona namanje incike ngebhange kanye nemigomo yesevisi.

Lapho design lwemali ikhadi iklayenti ngokushesha ukuvula i-akhawunti abafanele lwemali iyunithi. Yenza ukuthenga futhi yokuthengisa kungaba ngokuqondile yasebhange inthanethi. Kodwa kuyodingeka ukuthi uvule i-ukudluliswa kweemali phakathi kwabantu akhawunti yezokuthutha. Lo mthetho, ngokukhethekile, izenzo Savings Bank. "Tinkoff" linikeza amakhasimende idiphozi yayo izimali ngqo ngokusebenzisa uhlelo ukudlulisa CONTACT inthanethi futhi akukho ikhomishana. Ukuze ukuhlinzwa kwanele ucacise inombolo insimbi yenkokhelo.

Imigomo yokusetshenziswa

Nguliphi likhadi lwemali kungcono - esimweni ngasinye umuntu uyazinqumela. Ezikhanga kakhulu ngoba amakhasimende kuyinto ikhadi lesikweletu kumadola noma euro. izimali ezibolekwe anikezwa ngaphansi iphesenti eliphansi, futhi akudingeki ukuba akhokhe imali ukuguqulwa. Kodwa uma sisebenzisa le yokukhokha eRussia, lemali izosetshenziswa nge-othomathikhi zihunyushelwe ruble ngesilinganiso samanje. Ukuhoxisa ukheshi esikhundleni nzima. Ukuze ubuyekeze i-akhawunti yakho, kubalulekile ukuba bashintshisane ruble ngamaRandi noma euro.

Izinzuzo lwemali imali yamaphepha:

• Izinga lenzalo yemali mboleko ukuze e- 2-8 amaphuzu kancane kuqhathaniswa akhawunti ruble. Ikhomishini ijwayele ukusethwa phakathi naso sonke isikhathi ikhadi ubuqiniso.
• Ngakho amathenda ungakwazi ukukhokhela ukuthenga yangaphandle izitolo inthanethi. Into esemqoka - ukususa ukugwenywa imisebenzi yasebhange ku-intanethi.
• Ngezinye ukubhalisa ikhadi kuyadingeka ukuba banake izici zayo. Abantu abahamba njalo, kungcono ukuba ukhethe plastic ngobubanzi esiphezulu amasevisi. Kulokhu, abanikazi uzothola izaphulelo ezivela izikhungo zezimali kanye nokukhokhwa izinhlelo abalingani.

ikhadi lwemali ukonga

Ukuvuma amathuluzi wokukhokha e currency angaphandle neze idlula nga 5% ngemnyaka. Ngenkathi amazinga ezifakwa in ruble cishe izikhathi 10 ngaphezulu. Ingabe kukhona iphuzu ingozi?

Amakhadi zimi kahle zilungele abantu abangafuni ukuba ahlukane imali isikhathi eside, njalo uzimisele uzigcina isandla (hhayi embizeni ingilazi ekhaya) bese uthola ibhonasi nice. Ukulinganisela kubo for 1-2% ngezansi imali izimali zakwamanye amazwe. Ngaphezu kwalokho, ikhadi ungahlala uxhumana yasebhange yakho ephathekayo bese internet.

Kodwa kukhona ezinye downsides. Eyokuqala - ibhalansi ubuncane. Ingxenye izimali e-akhawunti "simisiwe" lonke isikhathi sokusebenza yayo. Emva kwalesi sikhathi, imali ebuyiselwa umnikazi. Eyesibili ethile - isivuno 4.5-5% kuphela amanani okweqa izinkulungwane zamaRandi.