Ndeipi nzira yakanakisa yekutumira mari kune dzimwe nyika?

Mabhangi epasi rese anowanzo inzira yakanaka yekuendesa mari. Iyi nzira ndiyo yakachengeteka zvakanyanya, inokurumidza, uye yakachipa kupfuura mari, maodha emari, kana makadhi echikwereti. Kwete mabhanga chete asi makambani ekufambisa mari anobatsira nekufambisa kwemabhanga epasi rese. Saka isu tinofanirwa kunzwisisa kuti ndeipi nzira yakanakisa yekutumira mari kune dzimwe nyika. International banking transfer inowanzotora 1-4 mazuva ekushanda zvichienderana nekwaunoenda.

Ndeipi nzira yakanakisa yekutumira mari kune dzimwe nyika?

Kuchinjisa kubhangi kuri nyore asi kazhinji nzira inodhura yekuendesa mari. Kuchinjisa kubhangi inzira iri nyore asi kazhinji inodhura yekuendesa mari. Kuenzaniswa nemabhangi, makambani ekufambisa mari anogona kuchengetedza kusvika 3-4% yemari yaunoronga kutumira kunze kwenyika. Makambani ekufambisa mari anogona kuchipa kune dzimwe nyika kubhanga.

Akachenjera

Pakutanga yaizivikanwa seTransferWise ndeimwe yeakachipa uye inopa yakanyanya kunaka mitengo yekuchinjana. Mari yekumberi ndiyo yakaderera kana ukashandisa account yekubhangi, isingasviki 1% yemari yekufambisa. Kuendeswa kubhangi kunogona kutora mazuva asi nehungwaru kuendesa zuva rimwe chete kunogoneka. Transfer nedebit kana kadhi rechikwereti inosvika mumaminitsi. Paunenge uchishandisa bhangi account zvinotora paavhareji ye1 kusvika kumazuva matatu ebhizinesi zvichienderana nekwaunoenda.
Muganho wekutumira unosvika madhora miriyoni imwe neimwe kana uri kushandisa waya yekutumira kubhadhara Wise. Unogona kubhadhara nedebit, kadhi rechikwereti, Apple Pay, kana dhibhiti yakananga kubva kubhengi account. Munhu anenge atambira anofanira kunge aine akaundi yekubhanga.

OFX

OFX imwe nzira yakadaro isingabhadharisi mari yekufambisa zvisinei nehuwandu hwemari inotumirwa. Exchange rate markups ishoma pane 1% uye iwe unotowana mareti akanaka. NeOFX hapana sarudzo yezuva rimwe chete yekutumira. OFX inogamuchira kubhengi mukati mezuva 1 kana maviri ebhizinesi uye inounzwa mune rimwe 2 kana 1 mazuva ebhizinesi. Iyo idiki pakutamisa imadhora mazana mashanu uye hapana muganho wakatarwa wekutamisa pakati peakaundi emabhangi.

xoom

Xoom inonyanya kuzivikanwa nekukasira kuburitsa uye yakakura yewebhu ruzivo. Inodhura kune mupi wepamhepo. Xoom ine mubhadharo wepamberi wepasi pemadhora mashanu neakaundi yekubhangi pachinzvimbo chebhengi kana kadhi rechikwereti. Mari yekutsinhana markup inogona kudarika 5% uye vamwe vanopa vanoisa mareti ari pasi pe3%.
Mafambisirwo anosvika mumaminitsi zvisinei nekubhadhara nzira. Zvinogona kutora mazuva mashoma zvichienderana nemaawa ekubhanga kana nguva dzenguva. Mapikicha emari muzvitoro zvikuru kana nzvimbo dzakasiyana dzekutumira anowanikwa mune dzimwe nyika. Miganho yekutumira inosiyana asi ega ega ekutamisa caps ari pamadhora makumi mashanu, 50,000. Chinja neakaundi yebhangi, debit, kana kadhi rechikwereti, uye PayPal account iripo.

MoneyGram

MoneyGram ine mukurumbira nekukasira kuburitsa uye mu-munhu kutamiswa. Mari yekufambisa ndeyekubhengi account. Inoita kunge yakadzikira asi muripo wemamwe mabhadharo, pamwe nereti yeMoneyGram, inogona kudarika 3%. Kuendesa kunogoneka pazuva rimwechete zvisinei nesarudzo yekubhadhara. Inogona kuva yakareba kana iri nguva yekubhanga uye zvimwe zvinhu. Iyo huru yepamhepo kutumira pamwedzi inogona kuitwa pamadhora gumi, 10,000. Pane zvakanakira nzvimbo dzepanyama. Vanhu vasina akaundi yekubhangi vanogona kubhadhara nemari uye vanotora mari.

Western Union

Mu-munhu kuchinjisa & nyika dzekuenda dzisina kupihwa nevamwe vanopa ndidzo hunyanzvi. Mari yekufambisa inosvika madhora chiuru iri pasi pemadhora mashanu asi mamakisi anotangira pasi pe1,000% kusvika 5% zvichienderana nekwaunoenda. Kuendesa kwezuva rimwe chete kunogoneka kana kuendeswa kunotumirwa kunzvimbo dzekutora mari. Unogona kushandisa debit kana kiredhiti kadhi kunyangwe iwe uchizobhadhara zvakanyanya kune nekukurumidza masevhisi. Iyo yakachipa yekuendesa ndeye kuburikidza neakaundi yekubhangi uye inogona kutora inopfuura svondo kuti iendeswe. Western Union ndiyo yakanyanya kutamisa mupi pasi rese.

Ndeipi nzira iri nyore uye yakachipa yekuendesa mari kune dzimwe nyika?

Kushandisa akaundi yekubhangi kuri nyore asi kunodhura. Makambani ekufambisa mari ndiyo nzira yakachipa yekufambisa kubhanga repasirese. Mari yekuchinjana iri nani uye mubhadharo wakaderera pane bhangi.

PayPal ndiyo chete nzira yekutumira mari kune dzimwe nyika?

Kwete, PayPal haisiyo yega sarudzo yekutumira mari kunze kwenyika. Chokwadi pane zvakawanda zvingasarudzwa zvekutumira mari. Western Union, MoneyGram, OFX, Wise, nemimwe yakawanda mienzaniso.

Ndeupi ruzivo rwaunoda kuendesa mari?

Iwe ungangoda kupa mamwe eanotevera ruzivo rwekufambisa mari:

  • Zita rakazara uye dzimwe nguva kero yemunhu anogamuchira mari.
  • Bhangi richawana mari.
  • SWIFT kodhi (BIC) yebhangi.
  • Nhamba yeakaundi yeanogamuchira kana IBAN.

Ndapota rangarira zvinotevera:

  • Zita rakazara pakutumira mari rinofanira kuenderana nezita rakazara paID yemugamuchiri. Saka kumbira anogamuchira kuti akupe zita ravo rizere sezvarinoratidzwa pachitupa chavo.
  • Munhu anogamuchira mari anogona kuva munhu mumwe chete ari kutumira mari.
  • Unogona kuwana ruzivo rwebhangi pamhepo kana nerubatsiro rwebhengi statement.
  • SWIFT kodhi inozivisa bhangi kwete ruzivo rwemunhu.
  • IBAN (International Bank Account Number) chikamu chinowanzoitika kukanganisa.

Chikonzero tambo refu yemavara & manhamba saka chenjera paunenge uchizadza ruzivo.
Kuchinjisa kubhengi repasi rose kwakafanana newaya, telegraphic, uye kuendesa mari kune dzimwe nyika. Sezvo iri kutumira mari pakati pemabhanga munyika dzakasiyana. Sarudza yepakati yakakodzera ine mareti akanaka uye nyore kutumira mari.


Mufananidzo webutiro uri kune imwe nzvimbo muIsfahan Province, Abyaneh, محدوده پارکینگی ورودی ابیانه، Iran. Mufananidzo na Steven Su on Unsplash