Emva kokuba ucwangcise uhambo lwakho, lixesha lokuhla ukuya kwiinkcukacha. Ngeke ude kakhulu ngaphandle kwendlela yokuhlawula ukuhamba kwakho. Ukuba awukwazi ukwenza isigqibo sokuba uza kuzisa i-debit card okanye ishegi yabahloli bahambayo, qwa lasela iindleko kunye neendleko zeendlela ezahlukeneyo zokuhlawula iindleko zakho zokuhamba.
Makhe sijonge kwizinto ezixhamlayo kunye neengxaki zoluhlobo lwemali yokuhamba.
Cash
Iinkonzo
- Ikheshi ikulungele. Ukuba uhamba kweli lizwe lakho, akudingeki ukuba ufumane iibhanki okanye ii-ATM.
- Ukuba u tyelela kwelinye ilizwe, mhlawumbi uza kuhlawula encinci ukutshintshela imali ngemali yasekhaya kunokuba uza kuhlawula usebenzisa enye indlela yokuhlawula.
Umxhasi
- Imali yengozi yokhuseleko; inokubiwa ngokulula kwaye ayikwazi ukutshintshwa.
- Kunzima kwaye kunzima ukuqhuba. Uya kufuneka ugube ibhanti yemali okanye isikhwama.
- Ukuba uhamba kwelinye ilizwe, kuya kufuneka utyelele iibhanki ukutshintshela imali yakho kwimali yasekhaya.
Ikhadi ekufakwa imali
Iinkonzo
- Ikhadi lokudityaniswa, elikhuselekile ngokufanelekileyo, alikwazi ukubiwa ngokulula njengemali.
- Ngethuba nje ukuba ikhadi lakho lokubambisa liyinxalenye yechungechunge olukhulu, njenge-Plus okanye i-Cirrus, ungayisebenzisa kumazwe amaninzi .
- Unokutyelela i-ATM kwaye usebenzise ikhadi lakho lokwenza imali ukuze udwebe ngokuzenzekelayo imali yendawo. Ukuguqulwa kunye neentlawulo zokuthengiselana ziya kubonakala kwisitatimende sakho sasebhanki.
- Ukusebenzisa ikhadi lokubambisa kunokukunceda uhlale kwibhajethi yakho kuba ikhadi lithatha imali kwi-akhawunti yakho yokujonga. Xa uphume, uphume.
- Amakhadi e-Debit amancinci kwaye kulula ukukhusela ngokukhuselekileyo.
Umxhasi
- Ikhadi lakho lokubambisa lingaze lisebenze kuyo yonke imishini ye-ATM kwindawo oya kuyo, ngoko kuya kufuneka usebenzise idoksi yokugcina okanye ikhadi lekhredithi.
- Ukuba uhamba phesheya, ikhadi lakho lokubambisa mhlawumbi liya kwamkelwa kwiivenkile okanye kwiivenkile. Uya kufuneka uphathe imali ethile kwiindleko zemihla ngemihla.
- Kwimimandla yasemaphandleni, ukufumana i-ATM enxalenye yenethiwekhi yakho kunokuba nzima. Uya kufuneka ucwangcise phambili kwaye uhoxise imali eyaneleyo ukuhlangabezana neemfuno zakho de uze ubuyele kwisixeko okanye idolophu.
- Ukusebenzisa i-ATM akukhululekile ngaphandle kokuba usebenzise oomashini bebhanki yakho. Ukuba uya ngaphandle kwintanethi yebhanki yakho, uya kuthi uhlawuliswe intlawulo ukusebenzisa i-ATM engekho inkqubo. Xa usebenzisa ikhadi lakho lokubambisa kwi-ATM yasebhanki yangaphandle, uya kuhlawulwa imali ekhethekileyo yokusebenzisa umatshini kunye nokuguqula imali yakho kwimali yendawo.
- Uya kufuneka uxelele ibhanki yakho ukuba uya kusebenzisa i- debit card phesheya kwelinye ilizwe . Ukuba uyaphula ukwenza oku, unokufumanisa ukuba isebe le-bhansi elichasayo liye limisa ikhadi lakho lokukhwabanisa, okwenza kube nzima ukuba uyisebenzise ukuze ufumane imali.
- Ungadinga ukutshintsha iPIN yakho. Kwamanye amazwe, ii-ATM aziyi kucwangcisa iipinise ngeenombolo ezine. Kwabanye, ii-PIN kunye ne-zero ayiyi kusebenza.
- Awukwazi ukufumana imali yangaphambili ngekhadi lakho lokubambisa. Unokuba unqwenela ukuzisa enye indlela yokuhamba ngemimandla engxamisekileyo.
- Iimfesane ze-ATM zanda . Zifundise uze ufunde ukuziphepha.
Abahambi bahlola
Iinkonzo
- Abahloli bahambayo bavikelekile; zinokuthi zitshintshwe xa zibiwe kwaye zidinga ukuba isalathisi sisetyenziswe.
- Unokuthenga abathengi abahambayo kwiimali ezithile zelizwe langaphandle, kuquka i-Euro, iipound zaseBritani, iYen yen neDola yaseKhanada.
Umxhasi
- Ukuhlola abahambi bangaba kubiza ukuthenga. Ngokuqhelekileyo uvavanywa inkokhelo yesevisi, kwaye uya kuhlawula ihlawuliso yokuthumela xa uyala i-intanethi.
- Ukuhlola abahambahambayo abanakukukhathazeka ukuba baphathe isikhwama semali okanye ibhande.
- Ukuba uhamba kwelinye ilizwe, uya kufuneka uhambe ebhanki okanye kwi-ofisi yenkampani yakho yokukhupha ukutshintshela abahloli bahamba ngemali yangaphandle. Uya kufuneka uceba uhambo lwakho malunga neeyure zebhanki.
- Akunabo bonke abathengisi okanye iibhanki baya kwamkela abahloli bahambayo, kwanabo basekhaya labo lwemali. Abathengisi banokukuhlawula intlawulo ukuba ufuna ukuhlawula kunye nabahloli abahambayo.
- Ukuhlola abahambahamba ngokusemthethweni baphelile. Uninzi lwabahambi abawasebenzisi.
Iikhodi zokuhamba eziKhokhelwayo
Amakhadi okuhamba ahlawulwe ngokukhawuleza, afana neVisa TravelMoney, abukeka njengamakhadi esikweleti kodwa umsebenzi ufana nokuhamba kwabahambi. U "layisha" ikhadi ngeemali kwi-akhawunti yakho yasebhanki. Uwusebenzisa njengekhadi lokubambisa kwi-ATM kwaye uthanda ikhadi lokuthenga ngetyala kwiimhwebi kunye neehotele. Ungathatha indawo yekhadi lokuhamba elilahlekileyo okanye elibiweyo elikhethiweyo njengokuba uza kuhlola abahambahambayo.
Iinkonzo
- Amakhadi okuhamba afanelekile ukuthwala.
- Ikhadi ngalinye lokuhamba linayo i-PIN yokukhuseleko olongezelelweyo.
- Amakhadi okuhamba yindlela ekhuselekileyo kubantu abangenayo i-akhawunti yebhanki okanye amakhadi enkokhelo.
Umxhasi
- Uya kuhlawula imali ephezulu ukuze usebenze kwaye ulayishe ikhadi lakho.
- Imali yokuthengwa kwemali yangaphandle iphezulu kakhulu. Ngaphantsi kweemeko ezithile, iirhafu zingaba zi-7% zentengiso yakho yonke.
- Amakhadi okuhamba anokuba nzima ukusebenzisa ngaphandle, ngokukodwa kwiibhanki zamanye amazwe 'Imishini ye-ATM.
Amakhadi aMatyala
Iinkonzo
- Amakhadi okuthenga ngetyala alula ukuyithwala.
- Ungathatha indawo yekhadi lakho lekhredithi ukuba lilahlekile okanye libiwe.
- Unokugcina ihotele yakho kunye nerenti yokuqeshisa kwikhadi lakho lesikweletu kwaye ukubhuka kwakho kuya kuqinisekiswa, nokuba ufika emva kwexesha.
- I-MasterCard neVisa zamukelwa kwiindawo ezininzi emhlabeni jikelele.
- Unokufumana imali yentuthuko esuka kumashishini ATM, ukuze uhlawule.
Umxhasi
- Abathengisi abangenangqondo bangabamba ulwazi lwekhadi lakho lesikweletu kwaye basebenzise iakhawunti yakho. Unokuphikisana neentlawulo zobuqhetseba kwaye uzikhuphe kwi-akhawunti yakho, kodwa ukwenza njalo yinkqubo ende, ecasulayo. Unokudinga ukukhansela ikhadi lakho ngokupheleleyo ukulungisa iingxaki zobuqhetseba.
- Amakhadi eemboleko angeke avunywe kwiihotele zakho nakwiivenkile zokudlela, ngoko kuya kufuneka uphathe imali malunga nokuthengwa kunye nezoxakeka.
- Iibhanki zongeza iintlawulo zeenkonzo zokuthengwa kwemali yangaphandle. Fumana ukuba iibhanki zakho zihlawula ngaphambi kokugqiba ukusetyenziswa kwekhadi lakho lesikweletu ngaphesheya.
- Njengokuba kukho nawuphi na umthengi wekhadi lokuthenga ngetyala, uya kuhlawula umrhumo ekuthengeni kwakho kohambo ngaphandle kokuba uhlawule ibhalansi yakho ngokugcwele inyanga nganye.
- Uya kufuneka uxelele ibhanki yezicwangciso zakho zokuhamba kwelinye ilizwe ngaphambi kokuba uhambe.
Ngaphantsi
Abaninzi abahambayo bakhetha udibaniso lwezinto ezimbini okanye ezintathu zokuhamba ngemali. Ngaphambi kokuba unqume ukuba ubani oza kusebenza ngokusemandleni akho, biza ibhanki yakho kwaye ubuze malunga nemirhumo yokuthengiselana kunye neendleko zokuguqulwa kwemali. Ukuba iifowuni zebhanki zakho ziphezulu, qwa lasela ukufumana i-credit card okanye ikhadi lokubambisa uhambo lwakho.