Iikhrayitheriya ze-5 zokukhetha eyona bhanki iselunxwemeni

1. Uzinzo kwezoqoqosho nakwezopolitiko kummandla wonxweme

Ukujonga ukungazinzi koqoqosho lwehlabathi kunye nokungazinzi kwezopolitiko, kusengqiqweni ukukhusela iiasethi zakho kulawulo oluthembisa ukhuseleko olungcono kunelizwe lakho. Ukubrawuza kwi-intanethi, ngokuqinisekileyo uya kudibana noludwe olunzima nolude lwamagama amazwe anerhafu ukuba awuthathele ingqalelo ngaphambi kokuqhekeza ingqondo yakho kuso nasiphi na isisombululo sebhanki kunye nokukhuselwa kobutyebi bakho. Musa ukoyika, ngobuchule bethu kwimimiselo kunye nokukhuselwa kwabathengi kwiiakhawunti zebhanki ezingaselunxwemeni kwimimandla eyahlukeneyo, silapha ukubonelela ngezisombululo ezihlangabezana nolindelo lwakho.

2. Igama lebhanki

Ngoluhlu olude lweebhanki ezingaselunxwemeni kwihlabathi liphela, yeyiphi imigaqo ekufuneka uyiqwalasele? Kungabonakala kuyinto eqhelekileyo ukuba iibhanki ezinemigaqo-nkqubo elula yokwamkelwa kwabathengi zinokuthathwa njengemingcipheko ephezulu, ngeenkonzo ezisemgangathweni ezisezantsi kuneebhanki ezinemigaqo-nkqubo engqongqo. Enye inkolelo exhaphakileyo kukuba iibhanki ezinkulu zorhwebo zamanye amazwe ziindawo ezaziwayo nezikhuselekileyo kubutyebi bakho kunye nemfihlo yolwazi lomntu. Nangona kunjalo, into enobulumko ukuyenza kukubuza oku kulandelayo.

• Ngaba ibhanki izinzile ngokwezezimali?
• Iza kuyiphatha njani imali yebhanki?
• Zeziphi iimveliso / iinkonzo ezibonelelwa yibhanki?
• Ngaba ibhanki ifake umgaqo-nkqubo okhuselekileyo we-AML, ohambelana ngokupheleleyo ne-IRS kwaye njalo?

Ukuphendula le mibuzo kuya kukukhokelela ekubeni ukhethe ibhanki efanelekileyo nekhuselekileyo yeshishini lakho, ngokusekwe kwizigqibo ezinolwazi.

3. Ummiselo kunye nokukhuselwa kwabathengi

Ukungaguquguquki kokukhuselwa kwabathengi yenye yezona zinto zibalulekileyo ekufuneka uzithathele ingqalelo. Ukukhuselwa kwabathengi okufanelekileyo kuya kuba nakho ukugubungela ubutyebi bakho obubekiwe xa kunokwenzeka ukuba ibhanki yabhanga. Phinda ujonge ukhuseleko olunikezelwa yibhanki yakho ekujoliswe kuyo kunye nolawulo lwayo ngaphambi kokuba uyikhethele ikhaya leakhawunti yakho yebhanki engaselunxwemeni.

4. Zeziphi iintlobo zeakhawunti ezikufanelayo

Kuya kufuneka uthathe isigqibo sokuba ingaba iibhanki zineenkonzo ezahlukeneyo yini kwiiakhawunti zeshishini. Cinga ngocoselelo ukuba ngaba inkampani yakho iyayifuna na iakhawunti yemali emininzi, nokuba ungagcina ibhalansi eyoneleyo ukuze uxhamle kuhlobo lweakhawunti yenkulumbuso, okanye ukuba iakhawunti yakho yeshishini iya kuhambelana nabanikezeli beenkonzo ezininzi zokuhlawula.

5. Ushicilelo oluncinci kunye nemigaqo nemiqathango

Okokugqibela kodwa kungaphelelanga apho, kuya kufuneka uqiniseke ukuba uyayiqonda kwaye uyayamkela imigaqo nemiqathango yeakhawunti yakho yasebhanki ngaphambi kokuba usayine kumgca ochokoziweyo. Oku kuya kukunika ukuqonda okupheleleyo kunye nokucacileyo malunga neakhawunti yakho yebhanki engaselunxwemeni, enje ngoxanduva lomnini-akhawunti okanye ubudlelwane obuncinci nebhanki. Oku kunokuba, umzekelo, ngohlobo lokonga, lotyalo mali, lwemali mboleko kunye / okanye ibhalansi yeakhawunti yangoku. Kunokubakho izibonelelo ezinomdla ezinje ngedipozithi yexeshana elifutshane kunye nezibonelelo ezivela kwizinto ezithile ezinje ngeinshurensi yokuhamba okanye inshorensi yokufuduka ngexesha likaxakeka njlnjl. unokungena xa unokubanjwa ngaphezulu okanye usebenzisa iATM yelizwe jikelele.