Okwangoku, iimveliso okanye iinkonzo azihlawulwa ngemali kuphela, iintlawulo zebhanki nazo ziyasetyenziswa. Ngenxa yoko, eli nqaku liza kuchaza kuthatha ixesha elingakanani ukudluliselwa kwibhanki enye nakwiibhanki zamazwe ngamazwe.
Inkqubo yentengiselwano inokuthatha ixesha ngokuxhomekeke kumaziko ebhanki asetyenzisiweyo
Kuthatha ixesha elingakanani ukudluliselwa?
Ngombulelo kwinkqubela phambili yezobuchwepheshe, iintlawulo zingenziwa ngokugqithiselwa kwebhanki, nangona kunjalo kugxininiswe ukuba lo msebenzi udla ngokuthatha ixesha elithile ukuze uqhutywe, yiyo loo nto intandabuzo kuthatha ixesha elingakanani ukudluliselwa kwebhanki. Le ntshukumo inokuxhomekeka kwizinto ezininzi eziguquguqukayo kunye nezinto, kunokuba kunjalo ukuba kuthatha ixesha elide kunokuba ucinga, ngenxa yale nto, iinkcukacha ezibalulekileyo eziguqula ukusebenza kufuneka kwaziwe.
Ibhanki eyenza intengiselwano kufuneka ithathelwe ingqalelo, nokuba ivela kwiziko elinye, kwiibhanki ezahlukeneyo okanye kumazwe ngamazwe. Inkqubo nganye inexesha elithile eliza kwenziwa, nangona inokuba kwimeko apho umsebenzi uphuma kulawulo, apho ukusilela kunye neengxaki ziveliswa kumxhasi kunye nakwibhanki.
Ukuba ngaphandle kokudluliselwa ufuna ukwenza idiphozithi, ngoko kuyacetyiswa ukuba ufunde inqaku le Idiphozithi yebhanki apho le nkqubo ichazwe ngokweenkcukacha.
Ixesha lokulibaziseka lokudluliselwa kwibhanki enye
Njengoko kuchaziwe kwinqaku elidlulileyo, ixesha elithathayo ekusebenzeni kwebhanki enye lahlukile kwimeko yokuba ngamaqumrhu ahlukeneyo ebhanki. Kwiinkqubo zeeakhawunti ezahlukeneyo zebhanki enye, kukho ithuba lokuphelisa i-bureaucracy ekhoyo kwezi nkqubo kwaye inzuzo enkulu yeli tyala kukuba ukuthengiselana kwenziwa ngexesha langempela.
Yiloo ndlela ekulula ngayo ukuphendula umbuzo wokuba ugqithiselo luthatha ixesha elingakanani. Ubuninzi obunokuthi buthathe ukuqhubeka nesi senzo yimizuzu embalwa, umzekelo wexesha elinokuthi lidlule yimizuzu emi-5, oku kuba yimeko apho umsebenzi ulibazisekile mhlawumbi ngenxa yokusilela kweqonga lebhanki okanye ngenxa isizathu esithile.
Ngophuhliso lwetheknoloji, ixesha elithathwa yile nkqubo liyancipha, ekubeni inethiwekhi yeqonga inezixhobo eziququzelela ukuhamba kwedatha, ngaloo ndlela ivelisa i-transaction yebhanki efunwayo ngexesha elifutshane.
Le nkqubo yaziwa ngokuba yitransekshini yangaphakathi apho irekhodwa njengendawo yobalo-mali yeziko. Ngale ndlela, umsebenzi wenziwa ngokukhawuleza, ukunika ithuba lokuba umxhasi kufuneka aqaphele kuphela usuku kunye nexesha apho ukunyakaza kwemali kuya kuqhutyelwa khona kwaye ngaloo ndlela abe neliso kuyo.
Iziko lebhanki ngalinye linexesha elisikiweyo, ngoko kuyinto eqhelekileyo ukuba namathandabuzo malunga nokuba ukudluliselwa kuthatha ixesha elingakanani kwibhanki ethile. Ixesha elisikiweyo ngumzuzu apho ibhanki ivumela ukuba intengiselwano ibe yimini elandelayo yoshishino, ngoko ke ukuba umsebenzi wenziwa emva kwelo xesha limiselweyo, ukuhamba kwemali kuqhutywe ngosuku olulandelayo, nje ngokuba usuku abanezakhono.
Kwiibhanki zaseYurophu kusekwe ukuba iintsuku zoshishino nazo zithathelwa ingqalelo ngeempelaveki, oko kukuthi, yonke iMigqibelo kunye neCawa nganye. Zikwabandakanya iiholide njengeentsuku zeshishini, umzekelo, iKrisimesi, uNyaka oMtsha, iPasika, uMvulo wePasika, phakathi kwabanye. Kufuneka kuqatshelwe ukuba abanayo imida yexesha okanye imida yosuku ukwenza umsebenzi ohambelanayo.
Ndiyabulela kule nkonzo, isiqinisekiso sinikezelwa ukuba ukutshintshwa kuya kwenziwa kwimiba yemizuzwana, kodwa kufuneka kukhunjulwe ukuba ibhanki nganye inekhomishini ethile yomsebenzi ngamnye owenziweyo. Le ntlawulo yintlawulo yenkonzo enikwa umxhasi, kusenokuba imeko yokuba ibhanki iqhube le ntshukumo yemali simahla.
Kukwakho imeko apho isixa okanye ipesenti ethile isetiwe kwintengiselwano nganye eyenziwayo. Nangona kunjalo, ayizizo zonke iibhanki ezikulungeleyo ukunika abathengi ezi nkonzo, yingakho kucetyiswa ukuba wazi ibhanki oza kuyisebenzisa kumsebenzi onikiweyo kwaye unike le misebenzi ebalulekileyo.
Ukuba ufuna ukuqonda yonke intshukumo yemali evela kwimveliso yemveliso kumthengi, ngoko kuyacetyiswa ukuba ufunde inqaku Ukungena kwisetyhula yengeniso
Ixesha lokusebenza kwebhanki phakathi kwamaqumrhu ahlukeneyo ebhanki
Sele kuchaziwe ukuba ukudluliselwa kuthatha ixesha elingakanani kwibhanki enye, kweli candelo siya kuchaza ixesha ukuthengiselana kunokuthatha ukusuka kwelinye ibhanki ukuya kwelinye. Into yokuqala ukwazi ukuba zenziwa ngeentsuku zoshishino, nangona kunjalo, azenziwanga ngexesha langempela, kodwa kunoko umsebenzi wenziwa kude kube lusuku olulandelayo lweshishini.
Kufuneka kuqatshelwe ukuba ibhanki nganye kufuneka ihambise okanye ithumele uxwebhu lokubhalisa lomsebenzi ngamnye owenziwe kwiBhanki eyiNtloko yesizwe, ukugcina ucwangco kwiinkqubo ezenziwa imihla ngemihla. Xa usenza intengiselwano, imali itsalwa kwiakhawunti yakho ngelo xesha kodwa ifike komnye umntu ngosuku olulandelayo phantsi komqathango wokuba olo suku lusuku lweshishini.
Kunokubakho imeko yokuba ukulibaziseka kwentengiselwano kungaphezulu kosuku olunye, oku kuxhomekeke kwibhanki esetyenzisiweyo ekuqaleni, kwakhona ukhumbule ukuba la maqumrhu ebhanki anexesha elimiselweyo lokunqunyulwa kwexesha kuba libalulekile ngexesha lokusebenza. . Iiholide aziqhubeki nale ntshukumo yemali, kuba akusiyo imini yeshishini ukuqhubeka nokusebenza kwayo.
Kukho indlela yokunciphisa ixesha lokulinda, kufuneka uqhagamshelane kuphela ne-arhente yebhanki apho umxhasi une-akhawunti, kufuneka uchaze ukungxamiseka kokwenza ukuthengiselana kwaye ubonise ukuba oko kuthethwayo kuyinyaniso, ukwenzela ukuba ukunyakaza. Imali iphunyezwa ngokuthe ngqo, nangona okushiyiweyo okusekwe liziko kufuneka kuhlawulwe.
Enye inketho kukusebenzisa i-fund movement order, ebandakanya ukwenza intengiselwano yebhanki kwi-akhawunti yomxhamli ohambelanayo ngexesha lokwenyani. Nangona kunjalo, kukho imeko yeendleko eziphezulu, oko kukuthi, ikhomishini ehlawuliswayo iphezulu ngenxa yomsebenzi omele wenziwe ngexesha elithile kwaye ngaphandle kokulibazisa.
Ixesha elithathayo ukutshintshela kwelinye ilizwe
Ngeli xesha siza kuthetha malunga nokuba kuthatha ixesha elingakanani ukudluliselwa kwamanye amazwe, into yokuqala kukuba kufuneka wazi ukuba kukho iindidi ezimbini zalo msebenzi kwaye ngamnye wabo unemiqathango kunye neempawu. Kungenxa yoko ezi ntlobo zeenkqubo ziya kucaciswa ngezantsi, ziqaqambise iipropathi zazo eziphambili kwaye, emva koko, umzuzu apho zisetyenziswa khona:
SEPA
- Lo msebenzi usetyenziswa kumazwe eManyano yaseYurophu
- Inokusetyenziswa kula mazwe alandelayo: ESwitzerland, nakwi-Iceland, ngokulandelelana eNorway, kuquka iMonaco, iLiechtenstein kwaye ekugqibeleni iSan Marino.
- Inika isiqinisekiso sokuphumelela okukhulu kumsebenzi ngamnye
- Ingasetyenziswa ziibhanki ezahlukeneyo kunye nabathengi abavela kumazwe ahlukeneyo
- Imeko abanayo kukuba bakwiqela lamazwe akhankanywe ngasentla.
- Inikezela ngokulula ngakumbi kunye nentuthuzelo ekusebenziseni olu dluliselo
- Banexabiso eliphantsi lekhomishini, inokuba simahla
- Kufuneka izaliseke okanye isetyenziswe ngeentsuku zokusebenza ezichazwe yibhanki.
- Ngesivumelwano unethuba kunye neenzuzo zokuba inkqubo iyafana nokudluliselwa kwelizwe
SWIFT
- Ngokuqhelekileyo isetyenziswa kwimisebenzi esebenzisa ngaphezu kwebhanki enye njengommeli.
- Ibhanki nganye inesixa sekhomishini ethile
- Kubonakaliswa ngokulibaziseka kweentsuku ezimbini ukuya kwezintlanu zomsebenzi
- Nikeza ixesha elisikiweyo kwiqumrhu ngalinye lebhanki elisetyenzisiweyo
- Iindleko zentengiselwano zidla ngokuba phezulu
- Kunconywa ukusebenzisa lo msebenzi ekuqaleni kweveki