Akhawunti yebhanki: iintlobo kunye neempawu. Indlela ukuvula i-akhawunti yebhanki

Ukuza kuthi ga ngoku, bambalwa kakhulu abantu abahlala ngaphandle amakhadi zeplastiki kunye needipozithi. Yonke imicimbi yemali kwenzeka ngokusebenzisa umbutho zebhanki ukulungiselela lula kunye nomgangatho wobomi. Eyona nto ibalulekileyo - sisebenzise-akhawunti, kwaye ngoko ke ikhadi zeplastiki iya kuba sisixhobo esinamandla ezandleni zenu. Them kukho iintlobo ezininzi ngamnye kubo, enyanisweni, eza kuxutyushwa kweli nqaku.

Isixhobo yomntu lwangoku

Okokuqala kufuneka siqonde ukuba yintoni na intsingiselo olungisiweyo kwi-akhawunti yebhanki binzana. Kuqala kwinto zonke, inkqubo oluhlala imali non-cash basis of kumashishini kunye ngabanye, kwakunye nemali kwentshukumo yezoqoqosho. Ukuze ukwenza imicimbi yemali, ngokuqhelekileyo abaxhasi vula iintlobo ezahlukeneyo ze-akhawunti yebhanki apho kuba ngokomthetho. Bona umthombo mali kunye nohlobo umsebenzi kumntu ngamnye. Vula kuxhomekeka kwiinjongo ngummi.

ngezigaba

Ezi ndidi zilandelayo akhawunti yebhanki:

1. akhawunti nezolo - eyimfuneko yokuqhuba ishishini. Ngoncedo lwabo, kwenzeka nokungeniswa imali ukubalwa kunye iikontraki kunye nabathengisi, kunye transfers ezahlukeneyo, intengiselwano kunye nezibonelelo ngemali, kwakunye nentlawulo yemivuzo kunye nabasebenzi. Ukuvula i-akhawunti yebhanki ungenza njengenkampani kunye ngumntu ngamnye ukuze enze imicimbi yemali, yimizekeko ezinxulumene ngqo umsebenzi wabo kwezoqoqosho.

2. Transit. Njengomgaqo, zisetyenziswa ukuze kubalwe imivuzo kwamanye amazwe, nto leyo ukuthengisa kwimeko xa kukho nemiqathango yesivumelwano. Le akhawunti kuthiwe okwethutyana. evulelekile njengoko njengesongezelelo olo tshintshano.

3. Current. Kuyimfuneko ukuba abemi abaqhelekileyo okanye imibutho zorhwebo. Ngokuqhelekileyo, oko ufumana imali asuswe ngokusebenzisa i ATM okanye bank osethilini.

4. idiphozithi. Kuyinto phantsi kwemvumelwano yenzelwe ukugcina izixhobo.

5. mboleko - esetyenziselwa mboleko kubathengi, kuthathelwa ukubuya akhawunti.

6. akhawunti Exchange ebhankini. Efunekayo ukuze imicimbi yemali xa besebenza kunye nezixhobo, kwenziwa imali yelinye ilizwe. Ngalo ungakwazi ngokulula okuhlawulela iimpahla kunye nokudluliselwa kweemali zeenkonzo ezithile.

7. Card. Usebenzela ukutshintshela iimali nokusebenzisa ikhredithi khadi.

Iintlobo akhawunti ezivulwe ebhankini, angabhaliswa kwaye zininzi. Kufuneka kwakhona ingqalelo. Okokuqala evulwa umthetho, iphakheji eqhelekileyo. Ukusebenza kunye nabo akunakwenzeka ngaphandle nokunikezela iincwadi zezazisi. Ilayisensi isetyenziselwa ukuphucula ukhuselo amaxwebhu kunye basis of kumntu ngamnye. Ukuvula i-akhawunti enjalo, kufuneka usebenzise cipher ethile, ikhowudi digital usithe zonke iinkcukacha zomfaki-sicelo. Le khowudi yaziwa kuphela kubananisi anyuliweyo kunye client yebhanki. Amagama isidweliso kunye akhawunti ababalwayo isagquba ezibhankini Swiss kwaye inokuthenjwa.

akhawunti Ezizodwa iibhanki ixesha elifutshane

Ukuba ufuna ukuvula i-akhawunti ye ixesha elingenammiselo, sebenzisa idiphozithi elide. Ngokuqhelekileyo, oko kwavula kuba nethuba lenyanga enye ukuya kwiminyaka emibini. Kungaba elide. Nangaliphi na ixesha anganyanzelisa intlawulo, kodwa ke umngcipheko wokulahla ingeniso eyenziweyo. Kwakhona isebenza-akhawunti yebhanki kwimfuno, apho unako ukubeka isixa esithile semali ngalo naluphi na usuku elinikiweyo ukusirhoxisa xa ucela uncedo kubo. Isivula, ufanele wazi ukuba inzala ebizwayo kakhulu kuncinane. Namhlanje sinako ukuvula akhawunti wase US, euro engange Russian. Ngoncedo multi-iidipozithi ungakwazi ukuguqula lwemali omnye komnye. Kuyinto elula gqitha abo abahamba rhoqo okanye uya kuhambo loshishino aphesheya.

yamanye amazwe

Phantsi kwala magama engamaphepha kwemali amazwe ukuze ziqondwe, wabona ithenda zomthetho, urhulumente ezifanelekileyo amazwe. Ukuba yamaphepha zaye wemkayo kwegazi okanye kuphela ejikeleza ngaphandle kweBhanki - azikwazi ngokuba imali yelinye ilizwe. akhawunti currency yenziwe ukulungiselela iinjongo zale transfer nozinziso mali. Ngaphandle kwalo, kukho idipozithi okanye idipozithi yokugcina ezikhoyo zemali. Imali yenza ukuba umthengi yebhanki ngokusekelwe isivumelwano esisemthethweni. Uyatsho ukuba iqela, owazeka isixa semali evela mali okanye uxanduva ngumtyalimali, ukuba wenze ukubuyiswa intlawulo inzala ekhankanywe kwimvumelwano.

abize inzalo

Ukongeza, bahlule akhawunti zebhanki ngakumbi umdla. Kukho iindidi ezininzi. Okokuqala - ngenyanga. Inzuzo sidityaniswe kwi igalelo ezingundoqo kanye ngenyanga. Kwimeko yesibini, inzala ebizwayo ukuya abagcinisa kwi ekuvuthweni wongezelela ngokwayo nemali ngokupheleleyo kuloo dipozithi yakho. Umba wesithathu, leyo ungakhetha kuwe, eyenza idipozithi - ngekota. Uya kufumana njengepesenti igalelo ngeveki nganye, iinyanga ezintathu okanye iinyanga ezintandathu. Kuxhomekeke kwibhanki yakho ekhethiweyo okanye umnikelo ethile. Simele sikhumbule usoloko ukuba ukuvulwa nayiphi-akhawunti yebhanki, kufuneka ukuba ahlawule intlawulo encinci. kwiziko lemali nganye yahlukile uyohluka nekhulu engange ukuya ezininzi ezilikhulu lamawaka. Kodwa kwiimeko ezininzi isixa ayikho ngaphezu kwe-10 amawaka engange Russian.

Kutheni le nto kufuneka i-akhawunti yangoku thina?

Phantsi komthetho ngoku, ukuba kuvulwe i-akhawunti yebhanki ayikho kuthi, ke, sinika ithuba elihle ukwenza iintlawulo non-cash kwabanye PIs. Ngamanye amazwi, nayiphi na intlawulo yemali eyenziwa ngale ndlela, banikwe ilungelo lokuba ukuseka amashishini abo, lo gama nganto ngaphandle nabafuna abathengi. Ukuba une-akhawunti yakho, ungenza inxaxheba ngokupheleleyo kwimisebenzi zoshishino. It iya kuvulwa kulo naliphi na iziko zokubhankisha, kungakhathaliseki ndawo sobhaliso yokuhlala okanye ummandla apho ibekwe khona lweshishini. Ukuba SP luvalwa okanye uvula i-akhawunti yebhanki, kufuneka ukuba azise kwiofisi yerhafu, kwaye kwiintsuku ezilishumi, akukho kamva. Ngenxa yoko, usomashishini osakhasayo kufuneka ibe kwifomu okhethekileyo ukwenza ingxelo ebhaliweyo, nto leyo ithunyelwa kwiofisi yerhafu. Ukuba sele kukho umxhasi yeziko yezimali, kuyimfuneko ukukhusela irhafu, ebonisa leyo yebhanka akhawunti yangoku iye lavulwa yokubhaliswa FE.

Ekupheleni kwesivumelwano (ngexesha nokudalwa / c) kufuneka wazi ukuba iziko logcino unyanzelekile ukwamkela credit imali isipaji onazo. Ngelo xesha amaziko ezemali banelungelo lokuba ukulahla imali aba kwi-akhawunti yakho ekhoyo. Makhe sithethe ngale zolwimi ngokunzulu.

sikhokelo Regulatory, yaye yintoni ofanele kukuhlawula ingqalelo eyodwa

Okokuqala, cinga iimfanelo ebhankini kwi kokugqitywa sivumelwano:

1. intlawulo liqhawuke kwemali phakathi kwexesha echazwe ngokucacileyo.
2. Ukuhlawulwa umdla ngenxa yokuba iziko zemali isebenzisa imali zabathengi. Ebekiweyo, ezinikezelwa yi lesivumelwano, kunye nentlawulo ekupheleni kwekota nganye;
3. Ukuphunyezwa imisebenzi kunye akhawunti zabaxumi, kubonelelwe yi-mthetho.

Ukuba uceba ukuvula i-akhawunti yebhanki (SP), ahlawule ingqalelo into yokuba amaziko ezemali abanalo ilungelo lokubhengeza wachitha kwimisebenzi kuyo. Banoxanduva lokugcina iinkcukacha zakhe ziyimfihlo ngokubhekiselele kumntu ngamnye. Ulwazi malunga nayiphi na intlawulo yemali Kuphela ungalifumana umnini okanye ummeli wakhe. Ukuba uvule i-akhawunti yebhanki ukuba inkampani, ibhanki unako ukunika abasebenzi kunye nokunyanzeliswa komthetho yoluntu okanye namanye amagosa ulwazi banomdla. Kodwa! Kuphela kwezo meko kubonelelwe ngumthetho osebenzayo.

Ngenxa yoko, evula-akhawunti yangoku kwiziko zemali, kuyimfuneko ukubambelela-sikhokelo zolawulo, ukubahlanganisela onke amaxwebhu ayimfuneko, ukuba babhalise irhafu. Ukuba uceba ngokwabo ukuvula i-akhawunti yebhanki koosomashishini, oku ukuzama akunakwenzeka ukuba baphumelele. Ngenxa yoko, ibhanki unelungelo lokunqumamisa ukufikelela isikhwama ngekhompyutha zomntu zomthetho okanye yendalo. Kungcono ukuba babuyele iingcali abayaziyo ishishini labo. Baya kukunika namaziko ezemali afanelekileyo kwaye ukulungiselela onke amaxwebhu ayimfuneko.

Kunye akhawunti zebhanki ekhethekileyo injongo

Nceda uqaphele ukuba ngenxa akhawunti jikelele, ungenza ngokupheleleyo nayiphi intengiselwano kunye nemali yabo. Nangona kunjalo, kukho imiqathango ethile ebekwa imimiselo kunye yibhanki ngokwayo. Current Account, oko sele sitshilo, libhekisela jikelele. Yinto enkulu kwaye ubonelela nokuthobela iimfuno ezithile zolawulo. Ukuze uyivule, umthengi kufuneka unike maxwebhu alandelayo: isiqinisekiso sobhaliso kwi irhafu, kubhaliso imo iqumrhu elisemthethweni okanye umntu wemvelo sobhaliso entrepreneur ngamnye.

Kuyimfuneko ukuba uyithathele ingqalelo into yokuba inani akhawunti yangoku, unelungelo ukuvula i umxhasi, ayiphelelanga ngumthetho osebenzayo. Imibutho kunye namaziko-ofisi ezahlukeneyo, iivenkile kunye izitora, ungakwazi ukuvula i sub-akhawunti ukwenza imicimbi kunye nokudluliselwa lwengeniso kwindawo kweeyunithi zabo. Le yinto ebalulekileyo ekufuneka ithathelwe ingqalelo. Ngu yokuhlala akhawunti ukwenza umsebenzi sokwabelana kwimveliso. Bona zisetyenziselwa imisebenzi evuma-mali, ngokunjalo neendleko ezinxulumene kunye nokuhlawulwa kwerhafu, izivumelwano impahla, njalo-njalo.

Mu kuya kwa nshita jikelele, iingxelo ezikhethekileyo zinika ukusetyenziswa belijolise imali ekhoyo. Ukongeza, ukuba isifundo oya iliso.

Akhawunti ye amaqumrhu asemthethweni ebhankini

Ukudala / c enhlanganweni ebhankini makangenise la maphepha alandelayo:

• siseko amaxwebhu;
• of nomphetho yokubhalisa;
• ikhadi;
• ilayisensi (imvume eyodwa), nto leyo idla ekhutshwe kumbutho osemthethweni ngokungqinelana nomthetho;
• amaxwebhu ezinokuthi ukuqinisekisa amagunya igunya elawulayo;
• amaxwebhu asemthethweni, leyo ukuqinisekisa amagunya nabantu abakhankanywe ikhadi. abavumelekanga ukuba alahle mali, nto leyo kwi-akhawunti yequmrhu elisemthethweni.

Kufuneka kuqatshelwe ukuba iintlobo-akhawunti yebhanka akuvumela wenze imisebenzi abaninzi iindlela ezininzi. Imvelaphi esemthethweni kwaye ngokuyinxenye amiselwe ngumthetho. Okwesibini - a okhethekileyo. Njengomthetho jikelele, wabeka isivumelwano esisemthethweni okanye ngumthetho.

Special umbuso osemthethweni lusekiwe-mali, imali amazwe, eli engange (in Russian Federation), idiphozithi kunye akhawunti ikhadi. Apha ibhanki izibandakanye kuphela ekukhuliseni kwemali nezipaji ukuba ukugcina kwabo. Eyona njongo iphambili ukusebenzisa njengoko izibonelelo zemali ukuze yokubolekisa ngemali. Xa ibhanki yenza a deal, a swi zingathathi naliphi na uxanduva ikhomishini nayiphi na imicimbi ethile, neekhomishini siseko okanye uthunywa. I-Bhanki ibamba luxanduva ukwenza imicimbi intlawulo kwixesha elizayo, xa babeza kuba nayiphi na imfuneko. Kufuneka kwakhona kuthiwa ukuba ibhanki akanalo ilungelo elisemthethweni lokulandula umxhasi eluvalelweni iintengiselwano zokuhlala ukuba ukuthobela ngokupheleleyo nomthetho kwaye abandakanya zonke iinkcitho imali.

Ukuze uvule i-akhawunti yebhanki LLC, kufuneka ugcwalise eninzi yamaphepha, iikopi kubameli yamaxwebhu abasemthethweni. Kukho kwakhona ziinkampani ezinikela ngeenkonzo zazo ukugcina ixesha lakho. isiluleko abanamava kwezomthetho kuninyusa ukuza kuthi ga ngoku, iya Ungacebisa isebe elungileyo ubanike data yakho. Nokuba ukuya professional liyajikeleza, kufuneka ukuba uhlawule ingqalelo ezi ntlobo zilandelayo akhawunti yebhanki kunye nezivumelwano:

• Agreement Framework - Ukuqwalaselwa imisebenzi zokuhlala, neya kwenziwa nguwe kwixesha elizayo;
• iinkonzo, kumiselwe kwisivumelwano - akhawunti imali, nto leyo iya kusoloko ukutshintsha kwi esipajini sakho elektroniki;
• uhlobo ezimeleyo - abaseleyo.

Iimbalasane

I-Bank ubophelelekile ukuba enze zonke kuyilo intengiselwano ngokungqinelana isivumelwano esisemthethweni. Into ephambili sichaza injongo yomthetho-akhawunti yebhanki kunye neentlawulo non-cash.

Imisebenzi yenziwa, omabini amaqela kwisivumelwano - iziko lamatyala, kwakunye ngqo ngumxhasi. Ibhanki kufuneka ukuba abe nephepha-mvume. Physical, kukarhulumente, zomthetho (zombini Russian kunye nomntu amazwe), sebenzisa iinkonzo uyakwazi ukwenza imicimbi intlawulo. Ingxelo kobuqu ebhankini kwenziwa ngokusebenzisa isivumelwano, eluxwebhu owodwa. Noko ke, ukungabikho kwalo akuthethi ukuba ulwalamano zezivumelwano khange sele yenziwe. Xa umthengi ofaka isicelo ukuvula i-akhawunti ebhankeni inkampani, wenza isithembiso. Acceptance kuphela emva umtyikityo entloko.

amatyala bank

I-Bank izibophelelo zalo kubathengi. Okokuqala, kufuneka kukhokela zonke iintengiselwano abazinikeleyo. Oku kuthetha ukuba inkqubo yogcino makabhalisele imali uze uzibhale off. Okwesibini, iziko zemali kufuneka ngokukhawuleza Ukuwisa umba yokuhlala cash umxhasi, ngaphandle imisebenzi imali, nto leyo zisebenzela ye client. Okwesithathu, i-Bank kufuneka ukuba ahlawule umthengi ngamnye kuba imali eseleyo kwi-akhawunti yakhe. Kubalulekile kukuba iingxelo zeenkampani ezibhankini zibe phantsi wokhuseleko engqongqo. Oko kukuthi, ibhanki unyanzelekile ukuba ugcine ngasese kwaye hayi ukuba aveze iinkcukacha zakhe wesithathu umxhasi enxulumene iintlawulo kunye asethi zemali, angenileyo kwi-akhawunti yakhe yobuqu. ukuphunyezwa okufanelekileyo ngexesha imicimbi ntlawulo ithobela yonke imali emiselwe umyalelo osemthethweni kunye nemiqathango iziseko intlawulo.

Ukongeza, ibhanki kufuneka, kwisithuba sexesha elithile ukuvelisa amanani, leyo abhekiswe umxhasi, ngokungqinelana ne xwebhu ubalwe. transfer Term kweemali akhawunti ekhethekileyo iibhanki mayingagqithi ngenye imini. Le meko azaliseka kuphela xa kuthe isivumelwano na amagatya phezu ngokwemiqathango ebekwe yi-mthetho.

Kuba zonke iintlobo-akhawunti zebhanki, njengoko umthetho, zenziwe izivumelwano ezifanelekileyo, apho omabini amaqela (umnini kunye necandelo leebhanki) kufuneka izibophelelo ezithile. Omnye wabo yeyona nto kweentlawulo. Ngokuhambelana nomthetho, lo mhla ubekiweyo kufuneka babonwe ulandelelwano sibhalele-off kwemali ngabanini amaxwebhu afanelekileyo.

Kukho imimiselo emibini enokumisela umyalelo wezinto eziphambili. Okokuqala, intsalela ikuvumela ukuba uhlanganise zonke iimfuno. Kule meko, amaxwebhu ayahlawulwa ngokuhambelana nokulandelelana kwekhalenda yeentlawulo. Umgaqo wesibini ukhankanywe yinto yokuba xa kwenzeka ukungabikho kwemali onke amabango akhanselwa ngokuzenzekelayo. Emva koko umnini unyanzelekile ukuba abeke imali ethile kwi-akhawunti yebhanki. Kwimiqulu yesibini, umyalelo unikezela amaqela ahlukeneyo angama-mali angama-6:

1. Ukubhaliweyo kwenzeka kwiimviwo zokuhlawula ezinika iintlawulo kwiimali zikawonkewonke kunye nohlahlo lwabiwo-mali. Bona, njengomthetho, badluliselwa kwimirhumo kubantu abasebenza ngokusemthethweni.
2. Ukubhaliweyo okunikezelwa ngamaxwebhu alawulayo abonisa iintlawulo zebhajethi, kunye neengxowa-mali ezingabikho mali. Ezi zinto zenziwa kwinqanaba lesithathu.
3. Ukubhaliweyo, okunikezelwa ngamaphepha alawulayo, okumela ukukhutshwa kweempahla zeemali kwiakhawunti ukwenzela ukuba anelise amabango enkxaso-mali ngenxa yengozi ebangelwe ubomi kunye nempilo. Oku kubandakanya icandelwana lokubuyiswa kwe-alimony.
4. Ukubhalwa kwemali yokukhutshwa kwezemali ngokuhlawulwa kweentlawulo zokuqhawula, kunye nokuhlawulwa kwabasebenzi abasebenza phantsi kwesivumelwano. Ilungiselela kwakhona ukuhlawula imivuzo, echazwe kwisivumelwano sombhali.
5. Ukubhala-offs okungenziwa kwinqanaba lekhalenda.
6. Ukubhalwa kwamaphepha kwiimviwo ezilawulayo ezihlangabezana nezinye iimfuno zemali.

Kungakhathaliseki ukuba yiziphi iindidi zeakhawunti ozikhethayo, inkqubo inelungelo lokubeka iliso ukusetyenziswa kwemali yakho kunye nokudluliselwa. Oku kufuneka kukhunjulwe, kuba le mhlathi inyanzelekile kwisivumelwano. Ibhanki inokuseka kwakhona ezinye izithintelo ezingakhange zinikezelwe ngumthetho okanye ngesivumelwano. Oku kuthetha ukuba iimali zakho zilawulwa yinkqubo yebhanki ngokuqonda kwakho, kwaye iakhawunti yemibutho kwiibhanki ayikho into eyahlukileyo kwimithetho.

Uxanduva lwabaThengi

Umxhasi unyanzelekile ukuhlawula inani elithile njengembuyekezo yokulungiselela iinkonzo kunye neenkonzo zemali. Kwakhona, ngokunxulumene nekhontrakthi echazwe, imisebenzi kwi-akhawunti yebhanki eyenziwe ekudlulisweni kwemali ebanjwe kwiakhawunti yomnini ihlawulwa ngokupheleleyo. Ngokusayinisa isivumelwano, umthengi uzama ukubonelela ngenqwelo-mali yemali kunye nokusebenza kwemali, eyenziwa ngokuhlawula imali okanye ukutshintshwa kwamanye amazwe. Kufuneka kuqatshelwe ukuba umnini unelungelo lokutyalo yonke imali yakhe kwi-akhawunti ethile yasebhanki. Nangona kunjalo, kufuneka ashiye imali eyaneleyo ukwenzela ukuba inkqubo yebhanki isebenze ukuqhuba imali kunye nemisebenzi yokuhlawula.

Xa kungenakugcinwa kwemiqathango, ibhanki inelungelo elipheleleyo lokungafuni ukuqhuba imisebenzi yokuhlawula imali kunye nokubonelela ezinye iinkonzo. Ngelo xesha, umnini akayi kutyalula imali yakhe kwi-akhawunti yebhanki, iintlobo zezifundo ezingafundwa ekuqaleni kwinqaku. Kwakhona kunokwenzeka ukuphelisa isivumelwano ukuba ibhalansi ingaphantsi kwemali efunekayo. Njengomthetho, abathengi bafumana izilumkiso ezifanelekileyo.