IBAN - yintoni na? Inani Akhawunti Bank International

Kuluntu mihla, transfers ngamazwe ziye zithandwa kakhulu. Ngoko akukho mfihlelo ukuba lula ngakumbi ukwenza akhawunti zabo zebhanki ngekhompyutha. Xa kufuneka ufumane utshintsho-EU kunye European Economic Area, kwakunye namanye amazwe, umthumeli likucela ikhowudi IBAN. Yintoni na kwaye yintoni na ukuba?

Isifinyezo IBAN ufuzisela Bank International Inombolo akhawunti. Oku kuthetha ukuba i ikhowudi eziqhelekileyo isebenza kwiqonga lamazwe ngamazwe. Ku yabelwa ngokomlinganiselo yamkelwe ngamazwe.

eziluncedo Injongo ephambili IBAN

IBAN (Inombolo-akhawunti yebhanki ngamazwe) kuya kufuneka ukuba isigqibo ukwenza ukudluliselwa imali ukuze zigqithiselwe akhawunti yebhanki ibekwe kweli lizwe ye-EU okanye EEA, okanye ezinye amazwe. Inombolo ikhowudi ingafunyanwa ngokuthumela isicelo kumamkeli kwemali.

Ukuba akukho kuboniswe ikhowudi kumaxwebhu yentlawulo okanye ngempazamo ukubhala ngayo, umamkeli akazamkeli mali. Baya kubuya umva ukuya umthumeli, kodwa hayi ngokupheleleyo, yaye umnatha zeentlawulo zebhanka. Imiyalelo enxulumene ibonisa IBAN kuzo zonke ii-odolo intlawulo ngaphakathi ntlawulo lwemali amazwe egameni le-EU amaziko zebhanki abaxhasi kunye EEA waqalisa ukusebenza wayo ukususela ngoJanuwari 2007. Ngoku le khowudi kusetyenziswa kumazwe angaphezu kwama alithoba ehlabathini lonke.

Thina badwelise izinto eziphambili usebenzisa le ID:

• akhawunti zebhanki zisetwe umgangatho ofanayo;
• udlula ngokuzenzekelayo ukuqinisekiswa akhawunti zebhanki;
• kukho iphucula umgangatho wenkonzo yomxhasi ;
• kukho processing oluzenzekelayo kwentlawulo;
• intlawulo yenziwa ngokukhawuleza kunye nemisebenzi malini yebhanki umthengi lowo lifinyele;
• ukuhla amathuba iimpazamo ezenziwa umqhubi xa kusenziwa ukudluliswa.

Isakhiwo ikhowudi

Cinga isakhiwo ikhowudi IBAN. Yintoni na le nto ebonakalisayo ukunceda ukuqinisekisa khowudi yasiwa kumbhalo abalinganiswa alfabhethi kwaye amanani, apho yakhiwa. Inani loonobumba ukuya ku-34, yaye ngamnye kubo olunye ulwazi:

• Abalinganiswa ezimbini zokuqala - kwilizwe ikhowudi, nto leyo iziko logcino lomnini-akhawunti;
• Ezi zilandelayo zimbini - esisodwa ikhowudi yamagunya zisetwe nomgangatho wehlabathi;
• I ezine phinda yokuqala amaxabiso ezine yamanani yeziko mali BIC;
• imivo ezisele umnini-akhawunti ngekhowudi eyodwa, nto leyo ezibekwe liziko zebhanki.

Apho amazwe baye basebenzisa ID IBAN?

amazwe asithoba ehlabathini zisetyenziswa kwindlela yokugcina imali kule akhawunti yebhanki ngamazwe. Ezi ziquka kwaye zangaphambili ithi Soviet - Georgia and Kazakhstan. ERashiya, amaziko zebhanki de IBAN. Yintoni na le nto, uninzi abemi bethu bengenalo nofifi. Kodwa ngoku, badla sijamelene imfuneko ukucacisa le ID ukufumana inkxaso-mali evela kwamanye amazwe.

Kunika umdla kukuba kwi-Savings Bank of Kazakhstan IBAN sele isebenzisa ukuba amazwe phesheya, ngoxa ofisi umbindi Sberbank of Russia kuye akuxhomekekanga wachukumisa ezintsha enjalo.

Indlela ukwenza iinguqulelo kunaniselwano namazwe angaphandle Russian?

Kwazeka oko ukuba iibhanki Russian musa ukusebenzisa zabo ebonakalisayo imisebenzi IBAN ukuba imisebenzi enxulumene ukuthunyelwa kwemali evela kumazwe EU kunye EEA. Ngoko ke, abemi bethu kusenokuba nzima abathile kuphumezo lwazo. Ngenxa ukuba unganikeli yaseYurophu yebhanki-umthumeli le khowudi, nje uyala kuni yingisela.

Kufuneka wenze ntoni kule meko? Ukuba umthumeli nguwe kwaye ufuna ukuthumela isixa esithile eRashiya, zama ukucacisa imeko umqeshwa ibhanki yakhe. Ukuba umamkeli, cacisa ke ukuba umthumeli ukuba inguqulelo uyamdinga kubonisa kuphela iinkcukacha zebhanki yakho eziphantsi Russian. Ukuba ethetha ibhanki akazange azise nayiphi na iziphumo, nceda ujonge kwelinye iziko zebhanki.

Lokutshintshela kwi-akhawunti kuvulwa Savings Bank okanye ezinye ezinye iibhanki, kufuneka ukuba kuthiwe USWIFT kunye neekhowudi BIC (it ayinayo IBAN).

Yintoni USWIFT? Le khowudi i uhlobo analogu le IBAN, kodwa ngokungafani kuye, le isazisi luyasebenza kwi-Russian Federation.

ikhowudi BIC inani bank lwangaphakathi ababesigqumele zonke akhawunti igcinwe kummandla Russia. It ikuvumela ukuba ukujonga kuphela umnini-akhawunti, kodwa ke Indawo esikuyo isebe lebhanki apho i-akhawunti wavuleka.

Zombini ezi ID ziquka iinkcukacha mandatory ze-akhawunti, ukusebenza ngomhla kummandla Russia. Ngokubanzi, kwaye kumazwe aseYurophu kwanele ukuba ukhankanye ezi nkcukacha transactions edlulileyo transfer imali.

Wazi njani ukuba inani elithile umamkeli IBAN?

Ukuba ufaka engalunganga ikhowudi IBAN, imali nje awufikeleli lowo uthunyelwe ezi uze ubuyele Umthumeli, umnatha yeMisebenzi yebhanki. ukuqinisekiswa IBAN enokwenziwa ngoncedo lwenkqubo «IBAN_checker», nto leyo umbhekisi phambili American Express Bank Ltd. Ukuze uqinisekise ukuba ufuna ukungena kumgca ofanelekileyo ikhowudi enikwa kumamkeli. Le nkqubo umisela ikhowudi echanekileyo parameters zilandelayo:

• isazisi upelo oluchanekileyo;
• inani elichanekileyo amanani kweli gumbi.

Ukuba zombini ezi parameters zichanekile, ngoko oko kuthetha ukuba uvavanyo IBAN kuphumelele, kufuneka iinkcukacha ezichanekileyo.