La ngawona makhadi okuhamba angcono ofanele ube nawo

Ngaba uya kwiholide ngaphandle kweSpain, okanye iManyano yaseYurophu? Ngaba uyazi ukuba banokukuhlawula iikomishoni zokuhlawula ngekhadi lakho lebhanki? Ukuba ufuna ukuyiphepha, Kutheni ungajongi awona makhadi okuhamba angcono?

Siza kukuxelela malunga nabo ukuze uphephe iikhomishini kwaye ungahlawuli kakhulu kuhambo lwakho. Ngaba siqale?

Kutheni usebenzisa ikhadi ukuhlawula uhambo

Kufuneka kucaciswe ukuba sibhekisa kuhambo lwaphesheya, apho kuhlala kukho imali eyahlukileyo kuneyakho. Kule meko, iibhanki, xa usebenzisa ikhadi lakho eliqhelekileyo, unokuhlawula ikhomishini yokutshintsha imali. Ayiqhelekanga (ekubeni iibhanki ezininzi azenzi), kodwa kusenokuba njalo.

Sithetha malunga ne-2-4% yento omele uyihlawule. Ngamanye amazwi, ukuba uhlawula i-100, bongeza ukuba i-2-4% abayigcinayo. Ngoko ke, kusoloko kungcono ukukhetha ukuba namakhadi okuhamba apho abahlawulisi iikomishini.

Olunye ukhetho onokuba nalo lu:

• Imali evela kwela lizwe. Ungayifumana kwibhanki yakho okanye kwii-arhente. Nangona kunjalo, namhlanje kuyaziwa ukuba ayisiyiyo eyona nto ingcono kuba ayithandeki kangako (bakwahlawulisa iikhomishini).
• Amakhadi ebhanki ebhanki. Ewe, wethu. Yindlela yokuphatha imali kunye nokuyisebenzisa kwamanye amazwe, kodwa ngokwenene, ayingomakhadi okuhamba kwaye banayo neekhomishini.

Amakhadi okuhamba asimahla yiKhomishini yeyona ndlela ilungileyo kuba uphepha ukuhlawula ngaphezulu. Ngoku, asinguye wonke umntu ofanelekileyo.

Ngawaphi amakhadi okuhamba angcono?

Ukuba sele ugqibe ekubeni uhambe ngaphandle kweekhomishini, kwaye ukhangele ukuba zeziphi ezona zilungileyo, ezona zinconywayo zilandelayo:

N26

Eli lelinye lamakhadi angcono kakhulu ohambo, kwaye yenye yezona zisetyenziswa ngabantu baphesheya. Yi-100% yasimahla kwaye unokutsalwa kwe-ATM simahla, kodwa kuphela kwindawo ye-Euro. Ukuba ungaphandle, uya kuba nokuhoxiswa kwamahhala kathathu kwaye ukusuka kwesine uya kuhlawula i-euro ezi-2.

Eyona nto ingcono, uyalibala malunga neekhomishini, nangona une-nuance. Kwaye kukuba, nangona ikuxelela ukuba ayinazo iikhomishini, ezi azikho kwi-euro zone. ngaphandle kwayo ewe kukho ikhomishini ye-1,7% xa ukhupha imali kwi-ATM.

Phakathi kwezinto ezingeloncedo kukuba, ukuba ufuna ukuthatha ikhadi lomzimba, bayakuhlawula i-euro ezili-10 ngayo. Ewe kunjalo, unokuhlawula ngeselfowuni yakho (ukuba unayo iGoogle Pay okanye iApple Pay).

Ukuba uhamba kwiphepha elisemthethweni leli khadi uya kubona ukuba linezicwangciso ezininzi. Umgangatho ngowosimahla kwaye lowo ungakuhlawulisi mali. Kodwa unayo i-N26 Wena, exabisa i-9,90 euros ngenyanga kwaye iphucula iimeko zesicwangciso sasimahla.

Revolut

Elinye lawona makhadi ahamba phambili, afana nelangaphambili, yiRevolut. Inomnikelo okhethekileyo apho, ukubhalisa nje ngenombolo yakho yeselula, bakunika i-euro ezili-10.

Njengekhadi le-N26, eli khadi likwasimahla kwaye likuvumela ukuba wenze ugqithiselo lwesizwe lwasimahla, kwaye unokudluliselwa kwamazwe ngamazwe okunye simahla ngenyanga.

Ngoku ufanele ukwazi oko ukurhoxisa imali kwi-ATM, ukuya kuthi ga kwi-euro ezingama-200 ngenyanga zisimahla, kodwa ukuba ufuna ukuhoxisa ngaphezulu ke bayakuhlawulisa ikhomishini ye-2% (kunye nobuncinci be-euro eyi-1 ngokurhoxiswa).

Ngokubhekiselele kwiikomishini, awunayo ukuya kumda. I-euro yokuqala eyi-1000 ngenyanga ihamba ngaphandle kwekhomishini. Emva koko bakuhlawulisa i-1%. Enye into abangakwazisi ngayo kwangaphambili kukuba kukho ikhomishini xa utshintshiselwano lwemali lwenziwa ngempelaveki. Oku akusiyo inani elimiselweyo kodwa utshintsho ngokuxhomekeke kwimarike.

Kwaye, njengoko kwakunjalo ngaphambili, Ukuba ufuna ukuba nekhadi kuya kufuneka uhlawule i-euro eyi-6,9 ngeendleko zokuthumela ngenqanawa (ngamanye amaxesha ungafumana simahla).

Ikwanazo nezicwangciso ezininzi, kodwa kufuneka ufunde ngononophelo ukuba ikulungele okanye ayikufanelanga, kuba ngamanye amaxesha isicwangciso seNtlawulo yaNyanga le sineendleko xa urhoxisa.

eziqaqanjisiweyo

Okokugqibela, elinye lawona makhadi abalaseleyo okuhamba ngokweengcebiso zabahambi nguVivid. Iyafana neyangaphambili kwaye ewe, igxile kwiihambo zaphesheya.

Kwimeko apho awukwazi, ikhadi elicacileyo livela kwi-Vivid Money, eyindawo yezemali enebhanki ye-intanethi. Phakathi kwemiqathango ekunika yona ukuba uyisebenzise:

• Kusimahla ukuba uodole. Ukongeza, ikhadi lokuqala lomzimba kunye nentsimbi oyicelayo ayihlawuliswa.
• Urhola imali kwii-ATM kodwa usimahla kuphela i-euro ezingama-200. Kodwa inomgibe. Kwaye kukuba ukuba ngaphantsi kwe-euro ye-50 ihoxisiwe kwi-ATM, baya kusihlawulisa ikhomishini ye-3% (okanye ubuncinane be-euro eyi-1). Kwaye ukuba sihoxisa ngaphezu kwe-euro ye-200 ngoko ikhomishini iya kuba yi-3%.
• Une-euro ezingama-20 yembuyekezo yenyanga.

Nangona kunjalo, inomngcipheko obalulekileyo ngokubhekiselele kwizinto zangaphambili. Kwaye kukuba kule meko unayo ikhomishini yokutshintshiselana ngemali. Bakuhlawulisa phakathi kwe-0,5 kunye ne-1% ukuba uhlawula ngemali engeyiyo i-VAT. Olu tshintsho luxhomekeke entwenini? Ewe, ayiveli kwilizwe apho uhlawula khona, kodwa ukusuka kwixesha kunye nosuku olwenzayo. Oku kuxhomekeke ekubeni uthenga ngaphezulu okanye ngaphantsi; oko kukuthi, awunayo imali yasimahla kwaye ukusuka apho bayakubiza. Iya kuba nanini na xa uyisebenzisa.

Ukongezelela, kukho ingxaki eyongeziweyo kwaye kukuba ukuba kufuneka ubuyisele ukuthenga (kwi-intanethi okanye ngokomzimba), imali inokuthatha inyanga ukuze ubuyele kwi-akhawunti yakho. Kwaye le ayisiyonto endiyithanda kakhulu (ngokuchaseneyo noko).

Ngoko ke yeyiphi eyona ilungileyo kuzo zonke?

Njengoko ubona, la mathathu ngawona makhadi ahamba phambili kunye nezo zinconyelwe ngabo bahlala besiya kumazwe angaphandle. Kodwa, kuzo zonke, ezona zinconyelwa kakhulu zidla ngokuba zezimbini zokuqala kuba zizo ezinika ezona ngxaki zincinci xa kufikwa ekuhlawuleni okanye ekutsaleni imali.

Kuya kuxhomekeka kwindlela oyisebenzisa ngayo ukukhetha enye okanye ezininzi (akusiyo ingcamango embi ukuya phesheya kunye namakhadi amabini kwaye ngaloo ndlela uzuze kuzo zombini kwaye mhlawumbi ungahlawuli iikhomishini emva kwemida yamahhala enayo). Ngaba ucebisa enye into oyaziyo?