Iyiphi indlela engcono yokuzisa imali kwi-UK?

Ukujonga kwiiNkqubo kunye nokuThengwa koLwazi, ukuBaluleka kunye nokuPhathwa kwamandla

I-Pound Sterling (i-£), ngamanye amaxesha kuthiwa nje " iSterling ", iyimali esemthethweni yase-UK . Unokutshintsha imali yakho ibe ngamakhilogresi ngeendlela ezahlukeneyo, kodwa awukwazi ukuyisebenzisa imali yakho yesizwe, kungekhona iiYurophu , ngaphandle kokutshintshana kuqala.

Ngokukhawuleza xa uqala ukucwangcisa uhambo lwakho, qalisa ukucinga malunga nendlela oza kuyisebenzisa ngayo imali yakho yase-UK. Ziyeke ixesha elaneleyo lokuqwalasela ukulungelelanisa, ukhuseleko kunye nexabiso lezinto ezikhethiweyo kunye nokuvula iibhanki ezintsha okanye iakhawunti yamakhadi ekhredithi xa kuyimfuneko.

Ezi zikhetho:

1. Iikhadi leMatyala kunye neDebit - Eyona nto ilula kwaye ishibhile

Zizo, izandla ezantsi, indlela elula kakhulu kunye neyona ndlela elula kakhulu yokuhlawula izinto kwaye ufumane imali kwi-UK nje kuphela xa usebenzisa ngokuchanekileyo. Cinga ngemisebenzi kunye neengxaki.

I Pros

1. Iikhampani zekhadi zetyala zifaka ixabiso lokutshintshiselana ngokubanzi / nge-interbank ekusebenzeni xa ukuhlawulwa kwakho kwentlawulo kuqhutywe. Isantya siya kunyuka kwaye sihlawule kodwa siya kuhlala sisinqanaba lesorhwebo, elikhoyo kwiibhanki kunye nemibutho emikhulu-kakhulu bhetele kunexabiso lokuthengiswa kwemali ethengiswayo kwi-counter counter to the consumer. Ngoko ufumana enye imali yakho.
2. Uninzi lweenkampani zekhadi azifaki iimali ezongezelelweyo zokuthengiselana ekuthengeni kweempahla (nangona zenzayo xa uthenga imali).
3. Ukuba uhlawula iibhilidi zekhadi lakho lekhredithi ngaphambi kokuba inzala ifakwe kuyo, okanye uqinisekise ukuba unayo imali eyaneleyo kwiakhawunti yakho yokubambisa ukukhupha imali yakho, awuyi kuba phantsi kweentlawulo ezingaphezulu.

1. Ziyakwamkelwa ngokubanzi - Unokuhlawula malunga nantoni na ngekhadi lokubambisa e-UK, ukusuka kwikharonti yobisi kunye namaphephandlela omhla okanye ubhiya kwi-pub, kwizinto ezinkulu ezixabisekileyo. E-UK, abantu banokuhlawula iirhafu kunye nombane wecala ngekhadi lokubambisa.
2. Imashishini yemali, okanye ii-ATM zindawo zonke. Uninzi lwezitalato eziphakamileyo ziza kuba nokukhethwa koomatshini bezitshixo ezizenzekelayo. Zifumaneka kwizikhululo zepetroli (igesi), kuma-cinema, kwiibhanki nakwezinye ivenkile. Oku kwenza ukufumana imali ngeyure na imini okanye lula.

Umxhasi

1. Amanye amakhadi awaqatshelwayo okanye ayamkelwe ngokubanzi e-UK. Unokuba nobunzima usebenzisa iClass Club kunye nokufumanisa amakhadi. Amakhadi aseMelika Express ngamanye amaxesha anqatshelwe. Gcinana ne-big-VISA kunye ne-MasterCharge-kwaye akufanele ube neengxaki.
2. Abanye abarhwebi bangadinga ukuthenga ubuncinci ukuba bamkele ikhadi lekhredithi. Oku kuyinyaniso ngokukodwa kwiindawo ezincinci zendawo, eziseMama nasePop.
3. Iindleko zeBhanki zingafaka isicelo. Ibhanki, ulwakhiwo loluntu kunye noomatshini bemali eposini e-UK (leyo ininzi yabo) ayisebenzisi umrhumo owongezelelweyo okanye ikhomishini yokufumana imali. Kodwa ibhanki lakho okanye ikhamphani yekhadi mhlawumbi iya kuyenza. Kufuneka uthengise ngeenxa yokuhlawula imali yeyona mali ephantsi kakhulu kuba le nto ihluka ukusuka ekhadini ukuya kwikhadi kunye naphakathi kweebhanki. Unokuhlawuliswa naliphi na i-$ 1.50 ukuya kwi-3.00 okanye ngaphezulu nangaphandle kwemali yokuthengwa kwemali.
4. Inombolo encinci yemashishini yemali ihlawulisa ukurhoxa kwaye kufanelekile ukuphepha. Imashishini yemali kwiivenkile ezincinane zokuhamba kunye nomnye umgwaqo uyayeka ukuba yinxalenye yechungechunge lorhwebo olongeza imali ehlawulwayo - ubuncinci malunga ne-£ 1,50 kodwa ngamanye amaxesha iphesenti yokuthengiselana kwakho. Zama ukuphepha ukusebenzisa olu matshini ngaphandle koxakeka. Esikhundleni sibheke ii-ATM ezinxulumene neebhanki ezinkulu ze-UK, kunye nolwakhiwo lwentlalo (njengamabhanki okugcina) okanye kunye neevenkile ezihamba phambili (Harrods, Marks & Spencer ) kunye nevenkile.

1. Ungadinga ukufumana ikhadi elitsha ukuhambelana nemilinganiselo yaseYurophu kunye nePin (ngaphezulu nangaphezulu ngezantsi).
   • Elinye ilizwi kwizilumko - Sebenzisa ikhadi lakho lekredithi ukuthenga izinto kodwa sebenzisa i-debit okanye ikhadi le-ATM ukuze ufumane imali kwi-ATM. Xa usebenzisa ikhadi lekhredithi yokuthenga, umdla awuhlawulwanga de kube emva komhla wokuhlawula (ngokuqhelekileyo iintsuku ezingama-30 okanye ekupheleni kwenyanga). Kodwa, xa usebenzisa ikhadi lekhredithi kumatshini wemali, inzala iqala ukukhawuleza ngokukhawuleza. Ngekhadi lokukhwabanisa, ngokude nje unayo imali ebhankini ukukhawulela imali yakho, akukho nzala ityala.

Inkcazo ye-Chip-and-Pin

I-UK, kunye neninzi yehlabathi lonke, sele isetyenzisile amakhadi e- Chip kunye nePin ngaphezu kweminyaka elishumi. Amakhadi ane-microchip edibeneyo kunye nabathengi bakhutshwe inombolo ye-PIN eneenombolo ezi-4, kufuneka bafake kwi-ATM okanye kwindawo yokuthengisa amatshini ukusebenzisa amakhadi abo.

I-USA ibe yinto enye, ixhomekeke kumakhadi aneentambo ezimangalisayo ezidinga ukuba sisayinwe. Zonke ekugqibeleni ziqala ukutshintsha. I- EMV (i-Europay Mastercard VISA) iqela, eliye laphuhlisa ihlabathi jikelele, livule i-chip kwaye lifake iteknoloji yekhadi elihlakaniphile, lizama ukukhohlisa abathengisi baseMerika kunye nabaniki bamakhadi ukuba batshintshe kwi-chip baze bathabathe ixesha elide. Ngo-Oktobha 2015, ukunyanzelisa umba, batshintsha imithetho yabo. Ukususela ngoko, ukuba ikhodi isetyenziswe ngobuqhetseba, abathengisi okanye abaniki bamakhadi abangathathi nxaxheba kwi-chip kunye nepropto yomgaqo-nkqubo baya kubanjelwa iindleko zobuqhetseba.

Ngenxa yoko, i-EMV chip kwaye uphawule amakhadi ahlakaniphile ayafumaneka ngokubanzi kwi-USA kunye namakhadi asekudala asetyenziselwa ukuba ahlangabezane nomgangatho wehlabathi.

Yintoni oku kuthetha ngayo kuwe

Ukuba usunayo i-chip kwaye uphawule ikhadi elikhethiweyo, awuyi kubaleka kuyo nayiphi na ubunzima ukuyisebenzisa apho uphawu lwakho lwekhadi lwamkelwe. Oomatshini bokufunda amakhadi asetyenziswa kwiivenkile, iibhanki kunye neefowuni zeposi ziza kuba ne-reader stripe reader ukuze ukwazi ukutshintsha ikhadi lakho phezulu okanye kwicala lecebo.

Kodwa ukuba ikhadi lakho lifuna isayineli (okanye umgca wamag kunye nesayina okanye ididi kunye namakhadi atyikityo) uya kuba neengxaki - ingakumbi xa kungekho mntu ushicilelwe ngumntu okhoyo ukuba amkele isayinitsha yakho. Ngaphandle kwesikhala, ikhadi lakho liya kukhatywa yimishini yitikiti (kwizitishi zesitimela, umzekelo) kunye nepetroli ngokuzenzekelayo (i-petroli) amapompu. Kwaye kunye ne-chip, uzakufuna inombolo ye-PIN ukusebenzisa ikhadi lakho ngala matshini.

Ukuphepha iiphene:

• Wonke amakhadi asebhanki namakhadi ekwereta anenombolo ye-PIN yenani le-4, nokuba ibhanki yakho okanye umniki wekhadi akunike yona. Cela enye kwikhadi lakho ngalinye. Emva koko uza kuba nokusebenzisa ikhadi lakho kwi-ATM okanye uyiguqule kwisigxina sokuthengisa kunye nokugunyazisa ukuthengiselana ngeenombolo yakho yePIN.
• Yiba nekhadi le-chip-ne-pin. Uninzi lweebhanki ezinkulu zaseMerika ngoku zizinikezela okanye zitshintsha i-chip ekhoyo yabathengi kunye namakhadi atyikityo ngeakha kunye namakhadi epini. Ukuba ibhanki yakho ayinayo ikhoyo, vula i-akhawunti kwibhankini enokukunika enye.

Kunye neNkcazo engathintanayo

Ukususela ngo-2014, amanqaku amaninzi kunye neentengo zemboleko ezikhutshwe kubasebenzisi base-UK abanomxholo wokuhlawula unganxibelelwano. Ukuba ikhadi linalo, kukho uphawu olubukeka njengamaza esandi ashicilelwe ekhadini. La makhadi angasetyenziselwa iintlawulo ezincinci (ngo-2017 ukuya kwi-£ 30 e-UK) nje ngokubethelela kwii-terminals ezixhotyiswe ngokufanayo. Ukulungeleka kakhulu, la makhadi angasetyenziselwa nje ngeeCards ze-Oyster zokufikelela kwi-London Underground, kwiibhasi zaseLondon. I-London Overground kunye ne-Docklands Light Railway.

Ukuba uhambela i-UK ukusuka eCanada, e-Australia okanye kwilizwe lamaYurophu, unokuba sele unamakhadi angabandakanyeki kwaye ungayisebenzisa e-UK apho isalathisi esingabonakaliyo siboniswa kwisigxina sokuhlawula. Abakhiqidi bamakhadi ase-US abakhange bakhuphe i-debit kunye namakhadi-ngxowa-mboleko ukwenzela ukuba ngaba uvela apho, soyika ukuba uphume kwintshonkathelo ngoku. Ukuba unako ukusebenzisa ikhadi elingenakunxibelelwano, gcina ingqalelo ukuba ukuthengiselana kwakho kuya kuqhubeka kuxhomekeke kuyo nayiphi na imali yokuthengiselana kwamanye amazwe kwiibhanki zakho okanye iindleko zokukhishwa kwamakhadi.

Iincwadi zokuhlola

Uhlolo lwabahambi lube ngumgangatho wegolide xa kufike ukuhamba ngemali yokuhamba. Kwaye mhlawumbi, kwezinye iindawo zehlabathi basenokuba yindlela ekhuselekileyo, kodwa njengamathuba okona awona maxabiso kakhulu kwaye angonakali kakhulu kwi-UK.

I Pros

1. Bahlala bekhuselekile kakhulu - Nangona nje ugcina irekhodi yeenombolo zokukhangela (ezahlukileyo kwiingheke), kwaye nje kuphela ukuba ugcine umkhondo wenombolo yongxamiseko ukubiza kwilizwe olivakatyelayo, unokulahleka okanye ubiwe ukuhlolwa kutshintshwa ngokukhawuleza, kungabi ngeendleko ezongezelelweyo.
2. Zifumaneka kwiimali eziliqela kuquka iidola, iiYurophu kunye neepounds.

Umxhasi

1. Ziyabiza, mhlawumbi indlela ebiza kakhulu yokuthatha imali ngaphandle kwamanye amazwe. Okokuqala, uya kuthi uhlawuliswe umrhumo wepesenti enye yexabiso elithengiweyo ekuthengeni. Ukuba uthenge ngemali yangaphandle - ngamanye amagama usichitha idola ukuthenga abathengi bahlole iipounds ezi-sterling - izinga lokuthengiswa kweentengiso liya kusebenza kwaye unakho ukuhlawula ikhomishini yokuguqulwa kwemali. Ukuba uthengeza kwiidola, uceba ukutshintshiselana ngemali yendawo xa ufika, uya kuhlala unamathele ngokuvuma isantya sokutshintshiselana ngeentengiso (ngokuqhelekileyo kuncinci kunenani le-interbank rate) kwaye mhlawumbi ikhomishana yemali yangaphandle.
2. Ziyingozi kakhulu. E-UK, ngaphandle kweemakethi ezokuvakasha ezifana neHarrods , kunye neehotele ezibiza kakhulu, kungabikho nanye kwiivenkile, iivenkile neehotele ezamkelekileyo. Enyanisweni, ezimbalwa izitolo e-UK ngaphandle kohlobo oluthile lokutshekisha. Ngoko kuya kufuneka ufune i-bureau yenguqu, iibhanki kunye neefowuni zeposi - ngeeveki zokusebenza zentsuku zeeveki, ukuba uzikhethe. I-ofisi yokutshintshwa kweenguqu, igama leYurophu malunga nokutshintshiselana kweemali zorhwebo, inzuzo yokwenza amabhankini kwaye ngokuqhelekileyo inika ixabiso lokutshintsha. Kwaye iibhanki ziza kubahlola abahamba ngemali kuphela xa benayo into eyaziwa ngokuba yintsebenziswano kunye nebhanki eyabakhupha.

3. Iikhodi zeMali eziPhambili

Enye indlela ejikeleze inkcazo ye-chip-and-pin ukuzithenga ngekhadi lokubhadela, njenge-Travelex Cash Passport okanye i-Virgin Money Prepaid MasterCard. Lawa makhadi oyilungiselela ngayo imali yakho okanye imali ofuna ukuyichitha. Abanye banokuhlawulwa ngeemali eziliqela kanye kanye. Amakhadi anxulumene nomnye wemibutho yamakhadi asemhlabeni jikelele-ngokuqhelekileyo i-VISA okanye i-MasterCharge, ifakwe ngeteknoloji ye-chip-no-pin kwaye ingasetyenziswa apho apho loo makhadi ekredithi avunywa khona.

I Pros

1. Indlela elula yokwenza i-chip-and-pin
2. Ukukhawuleza ukulawula yakho imali. Uhlawulisa ikhadi ngokuqinisekileyo ofuna ukuyisebenzisa kwaye uyisebenzise njengemali.
3. Ukhuseleko luqinisekiswa nje ngokuba ukhusela inombolo yakho ye-PIN.

Umxhasi

1. Ixabiso lentengo langaphambili lokuthengwa kwaye liphezulu kuneemali eziqhelekileyo ze-ATM zemali zingongeza kwiindleko
2. Abanye banokuhlawulwa kuphela ngeemali ezongezelelweyo kumntu kwisebe le shishini elithengisayo kuwe, kwilizwe lakho.
3. Iindleko ezifihlakeleyo - ukuba ushiya ibhalansi kwikhadi, uceba ukuyisebenzisa kwelinye uhambo oluya kwelinye ilizwe okanye ezinye izinto ezizodwa, ungayifumana ukuba ibhalansi ibanjwe yintlawulo yeenyanga "yokungasebenzi". Funda ukushicilelwa okulungileyo.

Yaye isilumkiso sokugcina malunga namakhadi ahlawulwe.

Nantoni na oyenzayo, Musa ukuyisebenzisa le makhadi ukuqinisekisa ihotele yakho okanye ibhilidi yokuqashisa imoto okanye ukuthenga uphethiloli kwiipompo ezenzekelayo. Kule meko, ixabiso-elinokuba yi-£ 200 okanye i-£ 300 - liya kubanjwa ukuqinisekisa ukuba uya kuhlawula ibhilikhwe yakho. Ingxaki kukuba, nangona ungayisebenzisi imali eninzi, inokuthatha ixesha elide iintsuku ezingama-30 ukuze ezo mali zikhutshwe. Okwangoku, awukwazi ukusebenzisa imali oyifakile kwikhadi lonke uhambo lwakho. Sebenzisa ikhadi lakho lekredithi ngokuqinisekileyo, uze uhlawule iibhidi ngekhadi elihlawulwa ngaphambili.

4.Cash

Ngoko ke, ke, kukho imali edala emnandi. Uya kufuna ukuba nemali ethile yendawo kwindawo yakho yeekhredithi ukuze ufumane iingcebiso , ukuhamba kweekati kunye nokuthenga okuncinci. Ubuninzi obuthwalayo buxhomekeke kwimikhwa yakho yokuchitha kunye nokuzithemba ekuthwaleni imali. Njengomthetho wesithupha, isicwangciso sokuthwala malunga neepounds eziliqela njengoko unako ukuqhuba ngemali yakho ekhaya.