Ii-ATM, iiKhadi zeMatyala kunye neeBhanki zaseJamani
EJamani, "imali yokumkani" ayikho nje ilizwi. Yindlela indlela yokuphila isebenza ngayo.
Lindela ukuba ujwayelane kakhulu nama-ATM kunye ne-euro njengoko uhamba kweli lizwe elikhangayo . Le ngqungquthela iya kukunceda ulandelelanise imicimbi yemali eJamani.
IYurophu
Ukususela ngo-2002, imali yaseburhulumenteni yaseJamani yiYuro (ichazwe ngesiJamani njengo-OY-row). Kuphakathi kwamazwe angama-19 ase-Eurozone asebenzisa le mali.
Isimboli i-€ kwaye yenziwe nguJamani, u-Arthur Eisenmenger .Ikhodi ikho i-EUR.
I-euro ihlukaniswe ngamashumi ama-100 kwaye ikhutshwe nge-€ 2, i-€ 1, i-50c, i-20c, i-10c, i-5c, i-2c, kunye neenkcukacha ezincinane ze-1c. Iibhanki zikhutshwa kwi-€ 500, i-€ 200, i-€ 100, i-€ 50, i-€ 20, i-€ 10 ne-€ 5 yokulawula. Iingqekembe zenza iiplani ezivela kumazwe alungu ngalinye, kunye nemifanekiso yeebhanki ekhangayo ngokuchukumisa iingcango zaseYurophu, iwindow kunye namabhuloho kunye nebalazwe yaseYurophu.
Ukufumana izinga lokutshintshiselwa kwamanje, iya ku-www.xe.com.
ATM eJamani
Indlela esheshayo, elula kwaye ephantsi kakhulu yokutshintshiselana imali kukusebenzisa i-ATM, ebizwa ngokuba yiGeldautomat ngesiJamani. Ziyafumaneka kwiidolophu zaseJamani kwaye zifikeleleke kwi-24/7. Bakho kwiivenkile zeBahn, izitolo zokutya, iivenkile , izikhululo, izitrato zezitrato , isitishi seesitimela, njl. Bathi phantse benokhetho lwamaxesha ukuze usebenzise umatshini ngolwimi lwenu.
Ngaphambi kokuba uhambe, qiniseka ukuba uyazi inombolo yakho ye-PIN yenani le-4. Nceda ubuze ibhanki yakho ukuba kufuneka uhlawule umrhumo wokurhoxiswa kwamazwe ngamazwe kunye nokuba ungayichitha kangakanani imihla ngemihla.
Ibhanki yakho inokuba nebhanki yabalingani eJamani eyokugcina imali (umzekelo, i-Deutsche Bank ne-Bank of America). Kwakhona kunokuba luncedo ukuxelela ibhanki yakho yokunyuka kwamanye amazwe ukungaxhasi kwamanye amazwe.
Sebenzisa lewebhu ukufumana i-ATM kufuphi nawe.
Ukutshintsha Imali eJamani
Unokutshintshisisa imali yakho yangaphandle kunye nabahambi bahlole iibhanki zaseJamani okanye ii-bureaux zonxibelelwano (ebizwa ngokuthi iTechchststube okanye iGeldwechsel ngesiJamani).
Akwafanekanga njengokuba babekade bekhona, kodwa banokufunyanwa kwii-airports, izitishi zezithuthi kunye neehotele ezinkulu.
Ungaqwalasela iinkonzo ze-intanethi njenge-PayPal, ukuTshintsha, i-World First, i-Xoom, njalo njalo.
Amakhadi kunye neKhanki yeBhanki ye-EC eJamani
Xa kuthelekiswa ne-US, amaninzi amaJamani akhetha ukuhlawula imali kunye neevenkile ezininzi kunye neefestile aziwamkeli amakhadi, ngakumbi kwizixeko ezincinci zaseJamani. Ingqikelelo ye-80% yazo zonke iintengiso kwiJamani zikhokhelwa. Ukubaluleka kwemali ayikwazi ukuhlaziywa. Ngaphambi kokuba ungene kwiivenkile okanye kwiivenkile, khangela iingcango - zivame ukubonisa izitifiketi ezibonisa ukuba yimaphi amakhadi amkelweyo.
Kwakhona uqaphele ukuba amakhadi asebhanki eJamani asebenza ngokungafaniyo kunase-USA. Amakhadi asebhanki e-EC aqhelekileyo kwaye asebenze njengekhadi lasebhange lase-US ekuthi badibanisa ne-akhawunti yakho yangoku. Bafaka umgca wamagnetic emva kwekhadi enepu ngaphambili. Amakhadi amaninzi ase-US ngoku anayo izixhobo njengoko ziyimfuneko ukusebenzisa eYurophu. Buza kwibhanki yakho yasekhaya ukuba awuqinisekanga ngeempawu zekhadi lakho.
I-Visa ne-MasterCard zivame ukuvunyelwa eJamani - kodwa kungekhona kuyo yonke indawo. (I-American Express ukuya kwinqanaba elingaphantsi.) Amakhadi okuthenga ngetyala ( Kreditkarte ) aqhelekanga kwaye ahoxise imali kunye nekhadi lakho lekhredithi kwi-ATM (kufuneka ukwazi inombolo yakho yePIN) angakhokelela kwimali ephezulu.
Amabhanki aseJamani
Iibhanki zaseJamani zivame ukuvula ngoMvulo ukuya ngoLwesihlanu, ngo-8: 30 ukuya ku-17: 00. Kwiidolophana ezincinci, bangavala kwangaphambili okanye ngesidlo sasemini. Zivaliwe ngeveki, kodwa imishini ye-ATM ifikeleleka yonke imihla, imihla ngemihla.
Abasebenzi beBhanki bahlala bekhululekile ngesiNgesi, kodwa bazimisele ukufumana indlela yakho ngeendlela ezifana neGirokonto / Sparkonto (ukujonga / ukugcina i-akhawunti) kunye neKasse (iwindow ye-cashier). Ukuvula i-akhawunti ingaba yinto ekhohlakeleyo njengoko iibhanki ezithile zinganikeli ulwazi lweelwimi lwesiNgesi kwaye zifuna ukulungelelanisa, okanye zimane nje zigatye ii-akhawunti ezivulekileyo. Ngokubanzi, ukuvula i-akhawunti yasebhanki eJamani kufuneka:
- Iipasipoti kunye ne-visa efanelekileyo
- Isiqinisekiso sokuhlala (i- Anmeldung )
- Ukuhlawula ingxelo kumqeshi wakho okanye Ubungqina bemali
Qaphela ukuba ukuhlolwa kungasetyenziswa eJamani. Kunoko, basebenzisa ukutshintshwa okuthe ngqo kuthiwa yi- Überweisung .
Yile ndlela abantu abahlawula ngayo irente, bafumana iintlawulo zabo, benze yonke into esuka kwizinto ezincinci ukuya kwiintengo ezinkulu.