Uhlelo lokusebenza lwe-ING alusebenzi. Izimbangela, Izixazululo, Okunye

Ingabe ufuna ukwazi ukuthi kungani App I-ING ayisebenzi ekungeneni kuyo? Uhlelo lokusebenza lwe-ING Banking lokuhamba kungenzeka alukusebenzeli ngenxa yezinkinga ezithile idivayisi yakho okungenzeka inazo noma inkinga yakho yokuxhumeka kwe-inthanethi.

Uma ucabanga ukuthi uhlelo lokusebenza lwe-ING Banking lunenkinga, thola udaba lwakho lapha bese uzama ukulungisa okushiwo ngezansi.

Uhlelo lokusebenza lwe-ING alusebenzi kuwe?

Lapha sikubonisa izinkinga ezivamile nge-ING Banking ukuze uhambe ngesicelo kanye nezinyathelo zokuxazulula inkinga:

Isixazululo 1: Isikrini esimhlophe/esimnyama (isikrini esingenalutho) siyavela uma i-ING App ingasebenzi

Ingenye yezinkinga ezivame kakhulu kumaselula namathebulethi. Ngokuvamile uma uvula uhlelo lokusebenza, uzobona a isikrini esimnyama imizuzwana embalwa bese uhlelo lokusebenza luzophahlazeka ngomlayezo wephutha noma ngaphandle kwawo. Kunezindlela ezimbalwa zokulungisa le nkinga.

1. Esikhathini esiningi, kungase kube inkinga yokulayisha yesikhashana. Udinga nje ukucindezela imenyu yezinhlelo zokusebenza zakamuva (imvamisa inkinobho yokuqala kwesokunxele) kufoni yakho. Bese, vala uhlelo lokusebenza olunale nkinga. Manje vula uhlelo lokusebenza futhi. Ingasebenza ngokujwayelekile.
2. Zama ukuqala kabusha eyakho iPhone / iPad. Cindezela inkinobho yamandla imizuzwana embalwa bese ukhetha ukuqalisa phansi kusukela kumenyu ukuze uqale kabusha idivayisi yakho. Manje ungazama ukuvula uhlelo lokusebenza, lungase lusebenze kahle.
3. Uma kungekho kulokhu okungenhla okusebenzayo, ungalinda kuze kuphele ibhethri lefoni yakho futhi lizicishele. Ngemva kwalokho, yibeke ekushajeni bese ucindezela inkinobho yamandla. Kungase kusebenze ngemva kwalokhu.
4. Okokugcina, uma ungakwazi ukukulungisa nganoma yini, ungase udinge ukukhipha uhlelo lokusebenza bese ulufaka kabusha. iOS ngokuvamile inikeza inketho yokubuyisela izilungiselelo nokuqukethwe okuvela ku-iCloud backup, uma uye wakunika amandla ngaphambilini.
5. Ngisho nakwezinye izimo ezingavamile, isinyathelo sokufaka kabusha asisebenzi. Uma kunjalo, zama ukufaka izinguqulo ezindala zohlelo lokusebenza.

Lapha ungafunda mayelana: I-Opera VPN ayisebenzi kahle. Izixazululo Nezinye izindlela

Isixazululo sesi-2: Uhlelo lwami lokusebenza lwe-ING alusebenzi noma alulayishi kahle (iphutha lokulayisha/iphutha leseva/iphutha lokuxhumeka/ukumisa isikrini/inkinga ye-ping).

Kunezimo ezithile ezingabangela inkinga yokulayisha kuzinhlelo zokusebenza zeselula.

1. Iseva yohlelo lokusebenza lwe-ING Banking kungenzeka iphansi futhi lokho kubangela inkinga yokulayisha. Izame ngemva kwemizuzu embalwa.
2. Uxhumano lwakho lwedatha yeselula/i-wifi alusebenzi kahle. Hlola ukuxhumeka kwakho kwedatha.
3. Abasebenzisi abaningi kakhulu abasebenzisa uhlelo lokusebenza ngesikhathi esisodwa. Izame ngemva kwemizuzu embalwa.

Isixazululo 3: I-ING ayisebenzi ngenxa yenkinga yokungena ngemvume noma izinkinga ezihlobene ne-akhawunti.

Uma unenkinga yokungena noma ehlobene ne-akhawunti, sicela uhlole izinyathelo ezilandelayo.

1. Iseva ye-ING Banking yokuhamba kungenzeka iphansi futhi lokho kubangela inkinga yokungena/i-akhawunti. Zama ukungena ngemva kwemizuzu embalwa.
2. Uxhumano lwakho lwedatha yeselula/i-wifi alusebenzi kahle. Hlola ukuxhumeka kwakho kwedatha.
3. Kungenzeka ukuthi uzama ngemininingwane yokungena engalungile. Qinisekisa ukuthi imininingwane oyifakayo ilungile.
4. Uma usebenzisa amanethiwekhi omphakathi ezinkampani zangaphandle ukuze ungene, njenge Facebook, I-Twitter, -Google, njll., hlola ukuthi leyo sevisi isebenza kahle yini ngokuvakashela iwebhusayithi yayo esemthethweni.
5. I-akhawunti yakho kungenzeka ivinjelwe noma ikhutshazelwe imisebenzi. Funda imilayezo yephutha.

Isixazululo 4: I-ING ayisebenzi ngenxa yezinkinga zokufakwa kohlelo lokusebenza.

1. Hlola uxhumano lwakho lwe-WiFi/inthanethi ukuze uthole uxhumano.
2. Hlola isikhala se isitoreji kusuka kudivayisi yakho yeselula. Uma ungenaso isikhala esanele kudiski yakho, uhlelo lokusebenza alukwazi ukufakwa.
3. Qinisekisa ukuthi uhlelo lokusebenza ozama ukulifaka luhambisana nenguqulo yakho ye-iOS.

Isixazululo sesi-5: Uhlelo lwe-ING alusebenzi ngenxa yokushoda kwesibuyekezo esifanele ocingweni.

1. Hlola uxhumano lwakho lwe-WiFi/lwedatha yeselula futhi uqinisekise ukuthi lusebenza kahle. Kungase kube phansi futhi kukuvimbele ekubuyekezeni i-ING Banking ukuze uhambe uhlelo lokusebenza.
2. Qinisekisa ukuthi unesikhala esanele sokulondoloza efonini yakho ukuze ulande izibuyekezo. Uma ungenaso isikhala esanele sokulondoloza, kungenzeka ukuthi ivimba izibuyekezo zohlelo lokusebenza.

Isixazululo 6: I-ING ayisebenzi ngenxa yezinkinga zokulayisha umsindo/ividiyo.

1. Hlola ivolumu yefoni yakho uma unezinkinga zomsindo. Zama ukusebenzisa ama-headphone ukuze uthole ukuthi kuyinkinga yini ngezipikha zakho noma uhlelo lokusebenza.
2. Uma unenkinga yokulayisha ividiyo, sicela uhlole isivinini sakho se-inthanethi nokuxhumana kwe-WiFi.

Isixazululo 7: I-ING ayisebenzi ngoba izaziso zohlelo lokusebenza azisebenzi kahle.

1. Iya ku Izilungiselelo-> Izaziso-> ING Banking ukuze uhambe futhi uhlole ukuthi ingabe izaziso zivuliwe noma cha. Uma inikwe amandla, yivule.
2. Futhi uma ungayitholi imisindo yesaziso, qinisekisa kabusha ukuthi awuthulisanga ngephutha imisindo yesaziso sohlelo lokusebenza.

Isixazululo 8: I-ING ayisebenzi uma ufaka imali ekuthathweni. Kodwa awuboni ukuthi ingezwa kubhalansi.

Kungase kuthathe isikhathi ukuthi inkampani yohlelo lokusebenza noma unjiniyela acubungule inkokhelo futhi afake ikhredithi ku-akhawunti yakho. Sicela ubekezele amahora angu-24-48 futhi ubone ukuthi inani lifakwe ku-akhawunti yakho. Uma kungenjalo, xhumana nenkampani yokuthuthukisa usebenzisa imininingwane yokuxhumana enikezwe kuwebhusayithi esemthethweni.

Isixazululo 9: Uwine imali ekuthathweni kwe-ING Banking nokuthi ungayikhipha kanjani imali ebhange/i-PayPal?

Ungaya kumenyu ye-akhawunti yakho futhi ngokuvamile ungabona inketho yokuhoxa uma usufinyelele umkhawulo wakho wokuhoxa. Ungasebenzisa lowo msebenzi ukuze uqalise isicelo sokuhoxa.

Isixazululo 10: Khipha imali ku-ING Banking ukuze uhambe futhi ayifaki i-akhawunti yakho / i-PayPal. Ungaqinisekisa kanjani?

Ungangena ku-PayPal yakho futhi ubone ukuthi ikhona yini imali efakiwe. Uma ungakuboni okwenziwayo, ungavula uhlelo lokusebenza futhi uhlole isimo sokuhoxa. Uma ubona ukuthi ukukhipha kucutshungulwa ngempumelelo futhi ungakutholi ebhange/i-Paypal yakho, sicela uxhumane nonjiniyela/abasekeli bohlelo lokusebenza.

Ezinye izindlela ongazisebenzisa uma i-ING ingasebenzi

Ingabe konke ukubhanga kwakho ukwenza ngendlela yakudala, ebhange? Impela, ungalinda kulayini njalo uma udinga ukufaka isheke, kodwa kukhona indlela elula. Kungani ungasebenzisi uhlelo lokusebenza lwasebhange futhi uphathe imininingwane yakho yasebhange kudivayisi yakho 24/7? Sikwenzele umsebenzi onzima, ngakho-ke hlola ucwaningo lwethu ngezinhlelo zokusebenza ezingcono kakhulu ongazisebenzisa uma i-ING ingasebenzi.

Best Banking Apps Zibalwa

Sibuyekeze inqwaba yezinhlelo zokusebenza zokubhanga zamaselula futhi sahlaziya ukubuyekezwa komsebenzisi, izici, nezilinganiso futhi sakhetha okungcono kakhulu.

1.Current.com

current.com ivumela noma ubani ukuthi avule i-akhawunti futhi abhalisele ikhadi le-Visa debit, elinikeza izici ezihlukahlukene eziyingqayizivele, kungenye indlela ethakazelisayo ongayisebenzisa uma i-ING ingasebenzi, okuhlanganisa:

• I-overdraft yamahhala ifika ku-$100
• Ukusetshenziswa mahhala kwama-ATM
• Izimbuyiselo Zokugcina Igesi Esheshayo
• Azikho izimali ezifihliwe noma ze-overdraft
• Ayikho imfuneko yebhalansi encane

Futhi, lapho uhlela amadiphozithi aqondile kumqashi wakho, ungakhokhelwa kufika ezinsukwini ezi-2 ngaphambi kwawo wonke umuntu. Engeza ukheshi ku-akhawunti yakho kwesinye sezitolo zozakwethu ezingu-60,000 lapho okufanele nje othatha imali akwenze ukuskena ibhakhodi; Awusadingi ukuthola igatsha lasebhange eliseduze.

I-Current.com inohlelo lokusebenza lweselula olunamandla olukuvumela ukuthi uphathe i-akhawunti yakho endiza. Futhi, isekela i-Google Pay ukuze uthole izinkokhelo ezingatholwa ngeselula yakho.

Thumela imali kubangani nomndeni nge-Current Pay futhi uthole izaziso zokusebenzisa imali ngokushesha kufoni yakho njalo uma uswayipha ikhadi lakho. Ukuze uthole ukuthula kwengqondo, izimali zamalungu zinomshwalense ofika ku-$250,000 ngebhange lozakwethu Okwamanje, i-Choice Financial Group.

Uma udinga imali ethile ngosuku lwemvula, sebenzisa amaphilisi okonga kanye “nokugoqa” ukuze ulondolozele ukuthenga okuthile. Okokugcina, uma usebenzisa uhlelo lokusebenza lwamanje, ungabheka imephu ukuze uthole zonke izindawo lapho ungathola khona imiklomelo ngekhadi lakho.

Ngemva kokuthola amaphuzu ngekhadi, ungakwazi ukuhlenga lawo maphuzu ukuze uthole imali ezindaweni ezitholakala kuhlelo lokusebenza.

Ungayilanda kusuka lapha

2. ImaliLion

ImaliLion iyibhange ledijithali elingcono kakhulu laseMelika ngokusho kwe-Finovate, futhi uhlelo lokusebenza olusebenziseka kalula luthole isilinganiso esingu-4.7/5 ku-Apple Store. Kuyinketho enhle ongayisebenzisa uma i-ING ingasebenzi.

Uhlelo lokusebenza lwe-MoneyLion lunikeza ukubhanga kwedijithali, imalimboleko yokwakha izikweletu, intuthuko yemali engenanzalo, kanye nokutshalwa kwezimali okuphethwe. Awekho ama-akhawunti amancane, amasheke esikweletu noma izimali ezifihliwe.

Uhlelo lokusebenza lwe-MoneyLion luphinde lube nesilandeleli sokufaneleka kwezezimali esibizwa nge-Financial Heartbeat esikusiza ukuthi ugade indlela osebenzisa ngayo imali futhi wonge imali.

Lolu hlelo lokusebenza luyatholakala kukho kokubili i-iOS App Store kanye ne-Google Play Store futhi lungadawuniloda mahhala. Ngemva kokuba nohlelo lokusebenza, unamandla okuvula iqoqo lamathuluzi ezezimali angakusiza ukusethela impumelelo.

I-MoneyLion, i-app yamahhala yokubhanga ku-inthanethi, inikeza okungaphezu kwalokho. Banenethiwekhi yama-ATM angaphezu kuka-55,000, amathuluzi okulandelela ibhajethi, ngisho nemiklomelo noma ukunikezwa kwembuyiselo kwamalungu e-Credit Builder Plus.

Ungalanda uhlelo lokusebenza lapha

3.Chime

Chime iyibhange eliku-inthanethi elinikeza ama-akhawunti okuhlola kanye nezinhlelo zokulondoloza imali futhi uhlelo lwayo lokusebenza lweselula seluzuze ukubuyekezwa kwezinkanyezi ezingu-15.000 ezingaphezu kwezingu-5 ku-Apple Store, kuyindlela enhle kakhulu ongayisebenzisa uma i-ING ingasebenzi.

Uhlelo lokusebenza lwebhange lwe-Chime lufaka isikrini esilime nesimhlophe esinezithonjana ezibonakala kalula zama-akhawunti oxhumeke kuwo, kanye nezithonjana zemisebenzi yakamuva efana nokufaka imali okuqondile nokukhipha imali.

Ungathola isheke lakho lokukhokha kusasele izinsuku ezingu-2 ngediphozithi eqondile, azikho izinkokhelo ze-overdraft, futhi uzothola nezaziso zesikhathi sangempela ngakho konke okwenziwa yibhange.

• I-APY yamanje: 0.01%
• Ibhalansi Encane
• Ayikho ibhalansi encane edingekayo
• Hlola amanani
• $0 kuya ku-$25 ngenyanga kuye ngebhalansi yakho

Ungalanda i-App kusuka lapha

4.Chase Bank

Uhlelo lokusebenza lwebhange lukaChase lwavela ngo-2010, ngakho inkampani isibe neminyaka ecishe ibe ngu-10 ukuyilungisa kahle. Kusukela ekubuyekezweni okungu-1.472.959 kuqhubeke Isitolo se-Google Play, isilinganiso esimaphakathi sohlelo lokusebenza yizinkanyezi ezingu-4.5.

Uhlelo lokusebenza lwe-Chase kulula ukulizulazula futhi lizokukhipha uma ubungenzi lutho isikhathi esingaphezu kwamaminithi ambalwa, lengeza esinye isendlalelo sokuvikela ezicini zalo.

Ezinye izici ezinhle zifaka ukungena kokuthinta okukodwa, inkokhelo yebhili ngokuthepha nje okumbalwa, kanye nesici esibizwa nge-CreditWise, esikuvumela ukuthi ugade isikolo sakho sesikweletu. Kuyinketho enhle ongayisebenzisa uma i-ING ingasebenzi.

Ungalanda uhlelo lokusebenza lapha

I-5 Wells Fargo

Uhlelo lokusebenza lwasebhange luka-Wells Fargo lwaqanjwa njengowinile we-Mobile Banking Award ka-2018 yi-Javelin Strategy and Research, inkampani ezimele yocwaningo lwezezimali.

Ucwaningo lulinganisela izinhlelo zokusebenza ngokusekelwe ekuhambeni kwemali, ukusebenziseka kalula, amandla okuvikela, ukufaneleka kwezezimali, isevisi yamakhasimende kanye nokuvulwa kwe-akhawunti. Ukusetshenziswa kwe Wells Fargo Kulula ukuyifunda ngoba ifaka amagama amakhulu, agqamile phezulu esikrinini kumsebenzi ngamunye.

Uma uchofoza okuthi «umbhoshongo wokulawula«, ungabuka izinkokhelo eziphindelelayo futhi uphathe ukufinyelela kwe-akhawunti kalula. Uzothola nobuchwepheshe bokukhokha ibhili, kanye nokuqinisekiswa kobuso nezwi. Lena enye indlela enhle kakhulu ongayisebenzisa uma i-ING ingasebenzi.

Ungalanda i-App kusuka lapha

6. I-PNC

Uhlelo lokusebenza lwebhange leselula I-PNC Ithole isilinganiso esingu-4.8/5 ku-Apple Store futhi ibizwa ngokuthi uhlelo lokusebenza lwebhange oluhamba phambili olungcono kakhulu yizinhlangano ezimbalwa ezizimele.

I-PNC Online Virtual Wallet iyithuluzi eliku-inthanethi elikunikeza ukufinyelela kuma-akhawunti angu-3: Sebenzisa (ukuhlola), Ukulondoloza (ukulondoloza isikhathi esifushane), kanye Nokukhula (ukonga).

Iwuhlelo lokusebenza ngaphakathi kohlelo lokusebenza futhi ifaka nekhalenda lokukhokha ibhili ukuze ukwazi ukuhlela kalula futhi uhlele izikweletu ozikhokhayo njalo ngenyanga. Ungahlukanisa ukuthengiswa kwekhadi lesikweletu le-PNC noZelle. Inketho enhle ngempela ongayisebenzisa uma i-ING ingasebenzi.

Ungalanda i-App kusuka lapha

7. Yifrize SM

Ngokusho kwe-Consumer Affairs, uhlelo lokusebenza lekhadi lesikweletu le-Discover lithole ukuhlonishwa okuphezulu kunhlolovo ye-JD Power & Associates. Ungahlola futhi isikolo sakho sesikweletu nge-Quick Look ne-Freeze It SM ikuvumela ukuthi umise ama-akhawunti akho uma ulahlekelwa ikhadi lakho. Uma uhlala umatasa (ubani ongekho?), ungenza izinkokhelo zebhili usohambeni ngokuthepha okukodwa nje. Kungenye indlela ongayisebenzisa uma i-ING ingasebenzi.

Ungalanda i-App kusuka lapha

Kungani usebenzise uhlelo lokusebenza lwasebhange uma i-ING ingasebenzi?

Umcabango wokulanda olunye uhlelo lokusebenza ungase ubonakale unzima, kodwa cabanga ngezinzuzo ezinganikezwa yi-app yasebhange: Zilungele ukulandelela amadiphozithi, izinkokhelo zezikweletu, namasheke. Nazi ezinye izizathu zokuthi kungani ziwumbono omuhle, uma usocingweni noma uma i-ING App yakho ingasebenzi

Okuhle

Kungenzeka ukuthi usuvele ubhalisele ukubhanga ku-inthanethi, ngisho noma ungakabi nalo uhlelo lokusebenza lokubhanga. Ukusebenzisa uhlelo lokusebenza kusho ukuthi ngeke kudingeke ukuthi uthathe izinyathelo ezengeziwe ukuze ungene kukhompyutha yakho futhi ufinyelele i-akhawunti yakho yasebhange eku-inthanethi.

Ungamane uthephe uhlelo lokusebenza futhi uma imininingwane yakho yokungena ilondoloziwe, uzongena ngokuzenzakalelayo. Uma udinga ukudlulisa izimali zisuka ku-akhawunti yasebhange ziye kwenye, uhlelo lokusebenza lwasebhange lusiza lokho kuthenga.

Okusheshayo

Ukusebenzisa uhlelo lokusebenza lwasebhange kuzokongela isikhathi, ikakhulukazi ngezinketho zokukhokha izikweletu ezandleni zakho. Cabanga ukhokha isikweletu sakho somshwalense wekhaya ngemizuzwana embalwa.

Ngeke kudingeke ukuthi ushiye isheke kumeyili futhi ulithumele kusasele izinsuku ezingu-5-7. Uma inkokhelo yemoto yakho kufanele ikhokhe ngomhla ka-15 wenyanga, ungayikhokha ngo-14 noma 15 khona manjalo futhi wazi ukuthi inkokhelo yakho ngeke yephuze.

Yebo

Izikhungo zamabhange i-federal insured, ngakho yonke imikhiqizo yasebhange, okuhlanganisa nezinhlelo zokusebenza zasebhange, nayo. Lokhu kusho ukuthi akufanele ukhathazeke ngokuntshontshwa kobunikazi noma ezinye izinkinga zokuphepha.

Uma kwenzeka ukwephulwa kwezokuphepha noma i-akhawunti yakho isengozini, uzobuyiselwa imali ngemva kokwazisa ibhange lakho, ukugcwalisa amafomu, nokuhlinzeka ngamadokhumenti asekelayo afanelekile.

Qaphela izinhlelo zokusebenza zokubhanga zamaselula ezilingisa izinhlelo zokusebenza ezijwayelekile. Nazi ezinye izindlela zokwenza isiqiniseko sokuthi ulanda ifayela langempela:

• Sebenzisa imithombo ethembekile njenge -Google Play isitolo kanye Isitolo se-Apple App.
• Uma ungaqiniseki noma okuthile akubukeki kahle kusayithi lohlelo lokusebenza, shayela inombolo yesevisi yekhasimende bese ubuza imibuzo.
• Sebenzisa i- izinto ezimbili zokufakazela ubuqiniso uma ikhona futhi uqinisekise ukufaka isivikelo esiqinile se-antivirus ukuze uzivikele kuma- I-malware.

Mahhala

Amabhange amaningi awakhokhisi imali yezinhlelo zokusebenza zeselula, ngakho-ke uma zingekho izindleko ezengeziwe, kungani ungazami? Uma ungakuthandi, ungahlala ususa uhlelo lokusebenza ku-smartphone yakho noma kwenye idivayisi yeselula.

Abantu abaningi basebenzisa izinhlelo zokusebenza zasebhange uma i-ING iphansi

Ngokuvamile, abantu abaningi benza ingxenye enhle yokubhanga kwabo besebenzisa umakhalekhukhwini. I-Federal Reserve Board ibonise ocwaningweni ukuthi u-82% wabasebenzisi bamabhange omakhalekhukhwini bafake uhlelo lokusebenza lwebhange kumafoni abo ngenxa yezizathu ezihlukahlukene:

• Okuhle
• Ibhange laqala ukunikeza isevisi.
• Unethezekile ngokuvikeleka banking mobile
• Alikho ibhange noma i-ATM eduze kwasekhaya noma emsebenzini
• Ufuna ukuthola izexwayiso zokukhwabanisa noma uqinisekise ama-akhawunti emisebenzi ewumgunyathi

Zisebenza kanjani izinhlelo zokusebenza zebhange uma i-ING iphansi futhi ufuna ukushintsha?

Kulula ukulanda uhlelo lokusebenza lokubhanga leselula. Vele uqonde ku-Google Play Isitolo noma uvakashele iwebhusayithi yebhange lakho bese ubheka isixhumanisi sokulanda uhlelo lokusebenza. Uma usulandiwe, ungasetha kalula igama lakho lomsebenzisi nephasiwedi.

Uma isilandiwe, ungafinyelela ulwazi lwakho lwasebhange ngokuthepha isithonjana sohlelo lokusebenza nokungena ngemvume. Ezimweni eziningi, kufanele ukwazi ukulondoloza imininingwane yakho yokungena ukuze ukwazi ukungena ngokuthepha okukodwa nje.

Uma usungenile, ungakhetha imisebenzi ehlukene kumenyu, njengokuthi «Hlola ibhalansi yakho«,«khokhela umuntu«,«khokha isikweletu«,«Landa isitatimende«,«Dlulisa imali» nokunye okuningi.

Izici zezinhlelo zokusebenza zebhange ezihamba phambili

Ngokungeziwe kuzici zendabuko, amabhange amaningi engeza okungeziwe ukuze uhlale uqhudelana futhi usimamise ibhizinisi lakho.

abasizi bezezimali bomuntu siqu

Uzothola umsizi wezezimali osebenza ngezwi ngokusebenzisa izinhlelo zokusebenza eziningi zamabhange ezinganikeza ukusekelwa okungu-24/7 futhi imibuzo yakho iphendulwe noma kunini.

Ungakwazi ukukhiya futhi uvule ikhadi lakho ledebithi, uthumele imali kubangani bakho, uhlele izinkokhelo zezikweletu, uthole okwenzekile esikhathini esidlule, nokuningi ngesici somsizi wezezimali.

Ngokwesibonelo, ake sithi usebenzisa U-Erica waseBank of America. Ungapha imiyalo izwi, njengokuthi "Erica, vimba ikhadi lami ledebithi"Noma"Erica, ngisebenzise malini ku-Target ngoLwesihlanu?«

amasheke ediphozithi

Amabhange amaningi anikela ngediphozithi yesheke ebonakalayo, okulondolozela uhambo oluya ebhange. Vele uthathe isithombe sezinhlangothi zombili zesheke lakho nge-smartphone yakho, usilayishe ngohlelo lokusebenza lwebhange lakho, bese sifakwa cishe.

Ukubonwa kobuso kanye nokuhlonza izigxivizo zeminwe

Amanye amabhange manje anikezela ngokubonwa kobuso nezici zokuhlonza izigxivizo zeminwe, engeza isendlalelo esiphezulu sokuphepha kubathengi. Ukubheka ikhamera yefoni yakho ukuphela kwendlela yokufinyelela ulwazi lwakho lwasebhange. Ungasebenzisa futhi ukuhlonza izigxivizo zeminwe ngokubamba umunwe wakho enkinobho ohlelweni lokusebenza.

Ufanelwe uhlelo lokusebenza olungcono kakhulu lwebhange leselula

Unezidingo zezimali ezihlukile nezindlela zokuphila kunomngane wakho omkhulu noma umakhelwane oseduze, ngakho-ke uzodinga ukukhetha uhlelo lokusebenza oluvumelana kangcono nezidingo zakho.

Uma umbono womsizi wezezimali obonakalayo uzwakala ukhanga kuwe, I-Bank of America noma i-Ally Kungaba izinketho ezinhle. Ingabe uvame ukwenza izinkokhelo noZelle? Uzofuna ukukhetha uhlelo lokusebenza oluyisebenzisayo, njenge-Chase Bank.

Impela, ukusebenzisa noma yiluphi uhlelo lokusebenza lwe-inthanethi noma ithuluzi kunezingozi zalo, ngakho-ke kufanele uqiniseke ukuthi usebenzisa ungqimba olungaphezu kwesisodwa sokuvikela ukuze uqinisekise ukuvikeleka okukhulu kakhulu okungakhona. Dala igama lomsebenzisi eliyingqayizivele, okunzima ukuliqagela kanye nephasiwedi, bese wengeza imibuzo yokuphepha ongayiphendula nguwe kuphela.

I-Barclays ithenga i-ING Direct, kodwa uma ungakujabuleli ukuba yingxenye ye-high street giant, yiziphi ezinye izinketho ezikhona?

Esimemezelweni esishaqisayo kuleli sonto, iBarclays imemezele ukuthi izothenga i-ING Direct UK esivumelwaneni esizobona ibhange lomgwaqo omkhulu lithatha u-£10.9bn wediphozithi yokonga.

Lesi sivumelwano sidale ukukhathazeka okuthile, njengoba ochwepheshe abaningi nabathengi bekholelwa ukuthi njengoba iBarclays isivele inengxenye enkulu yemakethe yasebhange yase-UK, akufanele ivunyelwe ukuthenga i-ING.

Amakhasimende akhona atshelwe ukuthi akumele athuke ngoba akukho okuzoshintsha kuze kuphothulwe isivumelwano. Kodwa-ke, abongi abaningi abangeneme abangafuni ukudlulisa imali yabo kwa-Barclays kungenzeka manje basesha imakethe ukuze bathole ezinye izinketho.

Isivumelwano

I-ING Direct ibe ngumdlali omkhulu emakethe yokonga isikhathi eside futhi ivame ukuba phezulu ematafuleni ethu okuthenga angcono kakhulu.

Manje njengoba i-Barclays izothatha lawa ma-akhawunti, akucaci ukuthi kuzokwenzekani ngamanani atholakalayo. Kuze kube yilapho sekuqinisekisiwe konke, mancane amathuba okuthi imininingwane eyengeziwe izokhishwa.

Ukugxeka okuyinhloko kwesivumelwano kuthinta ukuntuleka kokuncintisana emgwaqeni omkhulu wase-UK. Uma umuntu omusha, njengeMetro Bank noma iTesco Bank, yayithenge i-ING, yayizonikeza abathengi ukukhetha okwengeziwe.

ukuvikelwa kwezezimali

Lonke ibhange lase-UK limbozwa I-Financial Services Compensation Scheme (FSCS) evikela imali efika ku-£85,000 kunoma yisiphi isikhungo. Kodwa-ke, lokhu kuhlanganisa kuphela izikhungo ezinelayisensi yazo yasebhange futhi lezo eziseqenjini eliyisambulela, njenge-Lloyds TSB, ngokuvamile zikhandwa yilayisensi eyodwa kuphela.

Akukacaci ukuthi kuzokwenzekani ngesivumelwano se-Barclays/ING, kodwa okwamanje, uma, ngokwesibonelo, ubuno-£80,000 ku-akhawunti ye-Barclays kanye no-£80,000 ku-akhawunti ye-ING futhi kokubili kuhlanganiswe ngaphansi kwelayisensi efanayo, u-£85,000 nje kuphela. lokhu. Imali izovikeleka uma kwenzeka inkampani ehlanganisiwe iwa.

Yikuphi okunye ongakhetha kukho?

Kanye nokuhlinzeka ngezindlu ezibolekiwe, i-ING iyintandokazi eqinile emakethe yokonga futhi yethula njalo ama-akhawunti ahamba phambili emakethe.

Ukulondolozwa Kokufinyelela Okusheshayo

Uma kuziwa emakethe yokufinyelela ngokushesha, i-akhawunti ye-ING Direct Savings ikhokha u-2.7% futhi ivumela ukuhoxiswa okungenamkhawulo namadiphozithi futhi ungakwazi ukuvula i-akhawunti ngo-£1 Nokho, leli zinga lehlisiwe kusukela ku-3,05% ka-August.

Ama-akhawunti ambalwa adlula leli zinga. Enye yalawo ma-akhawunti i-akhawunti Isilondolozi Somndeni de I-Coventry Building Society, ekhokha u-3%, kuhlanganise nebhonasi engu-1% yezinyanga ezingu-12. Nokho, kufanele ube nomndeni ukuze ufaneleke ukuthola le akhawunti futhi kufanele ukhokhele inzuzo yengane yakho ku-akhawunti. (Ungakhokha nokunye ukonga uma ufuna.)

Ezinye izinketho ezimbili yi-Akhawunti ye-Easy Access Rewards engu-#2 I-Allies I-Irish Bank kanye ne-akhawunti yokufinyelela ngokushesha I-Derbyshire Net Saver.

Akhawunti I-Allied Irish Ikhokha u-2.8% futhi inediphozithi encane engu-£1 Nokho, ungenza ukuhoxiswa okungakhokhiswa inhlawulo kane kuphela ngonyaka. I-akhawunti yaseDerbyshire ikhokha u-2.75% futhi inediphozithi encane ye-£ 1000 Ihlanganisa ibhonasi engu-1,75%.

Ukonga kwezinga elingaguquki

I-ING ine-akhawunti yezinga elimisiwe yonyaka owodwa ekhokha u-2.75% kubhalansi encane engu-£1,000 kodwa awukwazi ukufinyelela imali yakho ngalesi sikhathi ngaphandle kokulahlekelwa inzalo.

Ungabona wonke ama-akhawunti okulondoloza okunikezwayo kumashadi ethu okuqhathanisa, kodwa kulula kakhulu ukuthola isilinganiso esingcono uma kuziwa kuma-akhawunti ezinyanga eziyi-12. Ibhange leM & S khokha u-3,10% ku-akhawunti yakho yonyaka owodwa, okudinga ibhalansi engu-£500 ukuze uyivule, kuyilapho United Bank UK inesivumelwano esifanayo esinikeza inzalo engu-3,05%, kodwa udinga ukonga okungenani u-£1.000.

Ungafunda futhi ngalokhu: I-Wuolah Ayisebenzi. Izimbangela, Izixazululo Nezinye izindlela

Kukhona futhi ama-akhawunti wesilinganiso esimisiwe akhokha u-3% lapho enikezwa khona kokubili iBhange LaseCyprus UK kanye I-Allied Irish Bank (UK) icela u-£1,000 kanye no-£2,000 wokuvula ngokulandelana.

ISA ngemali

Kulabo bonga abane-ING Cash ISA, lokhu kukhokha u-2.80% njengamanje futhi ungakwazi ukukhipha imali yakho noma nini uma uyidinga. Inzuzo yalokhu, okuyi-ISA engukheshi, ukuthi imali egcinwe kuyo ayinantela, kuze kufike ku-£5,640 kulo nyaka.

Enye indlela i-Post Office Instant Access Cash, ekhokha u-3.01% kwibhalansi yokuvula engu-£100 Kukhona futhi I-M&S Bank kanye Nothisha BS Bakhokha u-3% kunoma yini esuka ku-£100.