Kwakukho ixesha apho wonke umntu wayesebenzisa ukuThengwa kweeKhenketho okanye iifowuni ezinkulu zemali ezazitshintshiselwa kwiibhanki zasekhaya, kodwa ihlabathi liye lafuduka kwaye isebenzisa i-ATM ilula kwaye ingabibizi kunanini ngaphambili. Khangela indlela yokuhamba ngobulumko ngekhadi lakho le-ATM.
I-Visa kunye ne-Mastercard zombini yamukelwa kakhulu eYurophu; I-American Express ayixhaphakanga. IJamani , ngokumangalisayo kukuba enye yezona zinto zihamba ngokukhawuleza ziza kwamkela iikredit kunye nekhadi lokukhawuleza, ngokukhethekileyo kwimivalo nakwiivenkile.
EMpuma Yurophu , ngakolunye uhlangothi, yenye yezona ndawo zibalaseleyo kwihlabathi ukuthengiswa kwekhadi, ngelixa e-Iceland, nakwiimishini zokuthengisa ezithatha amakhadi.
Qaphela ibango leCitibank ukuba uza kufumana isebe laseCitibank apho uya khona. Awuyi kuba.
Imirhumo engenzekayo yokuLinda
- Imirhumo yokuthengiswa kwamanye amazwe: Le nto ingaba yintlawulo ephantsi okanye iphesenti
- Izinga lokutshintshiselwa ngokuchanekileyo: Musa ukuxhoma "Akukho mali yokuthengiswa kwamanye amazwe!" Amabhanki ahlala esenza ngokutshintshiselwa kwamanani . Khangela iibhanki ezinikezela nge-'bhanki yebhanki 'okanye' ibhanki-ebhanki '.
- Ukuguqulwa kweMali eDynamic (DCC): Ngulo xesha umatshini unikezela ukwenza ukuguqulwa kwemali kuwe. Ukuguqulwa kuya kuhlala kungalunganga. Njalo ucele ukuba uhlawuliswe nge-euro (okanye nayiphi na imali ekhoyo kwilizwe oya kulivakashelayo) kwaye vumela i-bhanki yakho yasekhaya yenza ukuguqulwa-bahlale bekunika imali engcono.
- Imirhumo eyodwa-mali ehlawulwa ngumshini ngokwawo: Ezi ziphezulu kakhulu kwiivenkile kunye nezixhobo (ikakhulukazi e-UK).
Amabhanki amatshintsho abo atshintshe rhoqo, ngoko ke jonga kabini kwibhanki ngaphambi kokufaka isicelo.
Ama-ATM eCitibank eYurophu
I-Citibank e-US ayiqinisekisi ukuba amakhadi abo aya kusebenza kumashishini angewona aseCitibank ngaphandle kwe-US. I-website yabo ithi kuphela ingasetyenziselwa kumahhala kuma-ATM ama-45,000 kumazwe angama-30. Ukuba zingasetyenziselwa kwenye i-oomatshini, kuya kufuneka ukuba ibe yintlawulo leyo ibhanki ibonakala ingafuni ukubeka kwiwebhusayithi yayo.
Sebenzisa i-My Citi yokufumana apho i-ATM ye-Citibank ifunyanwa khona: uya kudana xa ubona kukho ininzi eYurophu (kubane kuphela eLondon, umzekelo). Ufuna kwakhona ikhadi le-Citibank Gold ukuphepha iimali.
Wells Fargo, JP Morgan, iBhanki yaseMerika kunye neNkunzi yeAll Imali eYurophu
- Wells Fargo ikuvumela ukuba usebenzise nayiphina i-Visa ATM naphi na kwihlabathi. Nangona kunjalo, bahlawula i-$ 5 nganye ukuhoxiswa kunye no-3% kuyo nayiphi na intengiso kwisitolo.
- IBhanki yaseMelika ine-partner-ibhanki eYurophu, kuquka iBarclays e-UK, i-Deutsche Bank eJamani kunye ne-BNP Paribas eFransi, ezithathu zeebhanki ezinkulu eYurophu. Ukurhoxiswa kule mabhanki kuya kuba mahhala. Ukurhoxiswa kwamanye uomatshini kubiza i-$ 5.
- Ukuhlawula iindleko eziphambili kwi-$ 3 ngokuthengiselana ngamazwe ngamazwe.
- I-Capital One kunye ne-akhawunti yabo ye-intanethi ye-360 kuphela ayicaci ngokucacileyo malunga nokuba bahlawulisa kangakanani ukuba benze ukurhoxiswa kwamanye amazwe. Ezinye iiwebhusayithi zibonisa ukuba i-akhawunti engama-360 ayinayo imali ekhoyo ngaphandle.
Ngaphambi kokuba Uhambe ngeKhadi le-ATM eYurophu
- Yazisa ibhanki yakho nge-800 inombolo emva kwekhadi lakho ukuba uya kusebenzisa ikhadi lakho le- ATM eYurophu .
- Bhala phantsi iinombolo zeefowuni zangaphandle ukuqhagamshelana nebhanki yakho xa kunengxaki (iinombolo ezingama-800, njengoko zichazwe ngasemva kwekhadi lakho le-ATM zihlala zikhululekile eYurophu).
- Ukuba uthembele kwikhadi le-ATM kuzo zonke iimfuno zakho zemali, qiniseka ukuba unabini, kwaye inombolo ye-PIN inamadijithi amane, ayikho.
Iingcebiso kunye neCandelo le-ATM
- Bhala phantsi inombolo yefowuni yakho. Inombolo idla ngokusemva kwekhadi lakho, kodwa ukuba ikhadi lakho libiwe.
- Thatha ikhadi lesibini ukusuka kwibhankini eyahlukileyo. Ngamanye amaxesha amakhadi athile ayisebenzi kumazwe athile. Yiba nekhadi lokubuyisela xa kwenzeka. Kukho uluhlu lwamakhadi alula ongayifumana phantsi kwephepha.
- Nciphisa iPIN yakho . Ukuba i-PIN yakho ide kunamadijithi amane, ungadinga ukufumana inamba entsha. Amatshini amaninzi angaphandle awakuthandi iikhowudi okanye iinkcukacha kwi-PIN. Unokufumana iileta ziguqulelwe ngamanani ngokucela ibhanki yakho.
- Tshela iBhanki Yakho Uya Kuhamba . Oku kubaluleke kakhulu. Ngaphambi kokuba uhambe, qinisekisa ukuba ubiza umnxeba emva kwekhadi lakho okanye kwikhadi lebhanki kwaye wazise inkampani yakho yemihla yokuhamba. Ngaphandle koko, baya kukuvumela ukuthengiswa kokuqala kwaye mhlawumbi balahla abanye ngokusola ukuba ikhadi lakho lisetyenziswe ngumfokazi ezweni elingalindelekanga.
- Ukhuphe ngaphandle. Ukwenza amaninzi amaninzi okuhoxiswayo kwandisa inani lemali yokuthengisa nganye. Yenza okuninzi njengoko unako kwaye uyibeke kwindawo ephephile.
- Yazi amanani akho . Qinisekisa ukuba othile ekhaya ofikeleleka ngexesha uhlala eholide unolwazi lwekhadi lakho lesikweletu. Ndiyathetha umntu othembelayo, kunjalo. Yenza ikopi yekhadi lakho kwaye uyithathe kunye nawe-kwaye uyigcine kwindawo eyahlukileyo ukusuka apho uphethe ikhadi lakho.
Eminye imiba kwiCredit okanye Debit Card
Ezi nkonzo zilula ukuzibandakanya kwaye zindlela ezilungileyo zokusebenzisa ikhadi lakho eliqhelekileyo lebhanki.
- Elula ibhange laseMerika elisekhompyutheni kuphela elingahlawulisi nto yokurhoxisa ngaphandle.
- I-Visa ehlawulwa kuqala Ininzi ayinayo imali yokuthengiselana kwamanye amazwe kunye nokuhoxiswa
- I-Passport ye-Cash ilayishe kunye nemali oyikhethileyo kwaye uyikhethe kwi-moya.
- I-Revolut Gcina imali yakho kwi-akhawunti yase-UK kunye neentlanganiso ezintathu ezakhelwe (i-dollar yase-US, ipondo yaseBrithani kunye ne-euro). Ukukhishwa kwamahhala kwihlabathi jikelele kwaye akukho mali yokuthenga.
- N26 Ukuba uhlala eYurophu kwithuba elithile kwaye ube nedilesi yeveki okanye ezimbini, cinga ukuqala i-akhawunti ye-N26. Kulula kakhulu ukusetha kunye nokukhululeka ngokupheleleyo xa unamathela kwisivumelwano sokusetyenziswa ngokufanelekileyo. Qaphela ukuba oku kufuna i-smartphone yokusetha.