Sei Uchishandisa Wire? Vakachengeteka Here?
Nokuda kwekutengesa kukuru-sekutenga kushandiswa kwematare emusha kana chekoni yekodhi kunogona kunge iri yako chete sarudzo. Sei? Mhinduro shomanana ndeyokuti mari inowanikwa kune mupiki kazhinji kana kudarika pakarepo .
Chii chinonzi Wire Transfer?
Siri kutengesa kushandiswa kwemagetsi kwemari. Nzvimbo yekufambisa mitambo inobva kune rimwe bhangi kana chikwereti kune imwe inoshandisa kambani yakadai se SWIFT kana Fedwire. Asi shoko rokuti wire transfer rinoshandiswa kune mamwe marudzi ekutsvaga zvakare, saka tsanangurira zvinodiwa kana mumwe munhu achikumbira kutengesa firi.
Idzo dzimwe mhando dzekutsvaga magetsi dzinotsanangurwa pasi peji rino. Asi kazhinji, kana mumwe munhu akakumbira "bhendi yebhanki," vanoda kuti bhengi rekare rebhadha. Kana zvisina kudaro, kushandiswa kwemari kushandiswa kana rumwe rudzi rwekubhadhara magetsi ringagamuchirwa.
Speed of Wire Transfers
Nheyo dzinoshandiswa dzinobatsira nokuti mari inofamba mukati memusi mumwe kana maviri. MuUnited States, kuchinja kwezuva rimwechete kunogona, uye kuendeswa kune dzimwe nyika kunotora rimwe zuva kana maviri.
Mari yakacheneswa: Nemhaka yokuti mari inofamba nokukurumidza, mupiro haafaniri kumira kumiririra mari yekudzima asati ataura kana kushandisa mari.
Mune mamwe mazwi, kazhinji hazvibatsiri kuiswa pamari inogamuchirwa kuburikidza nekutengeswa kwetambo. Kune chero munhu anotengesa mutengesi kana maitirwo, kutengesa kutengesa kune ngozi pane cheki. Checks inogona kugumbura , uye inogona kutora vhiki dzinoverengeka (kana kupfuura) kuziva kuti kubhadhara kwakaipa.
Kuchengetedza nguva: Matairi anogona kugadzirwa nezuva rimwe chete, zvichienderana nekutanga sei iwe uchitumira chikumbiro chako chekutumira mari.
Zvinogona kutora maawa akawanda kubhengi rinogamuchira kuratidza kuti firi inowanikwa munyaya yemubatsiri-kunyange kana mari iri mubhangi iroro. Mubhizimisi mushandi angangoda kuzadza mabasa akawanda kuitira kuti mari iwane . Kana iwe uri kukurumidza kushandisa mari yawakagamuchira nematare, mashomanana efoni kumabhanki anofanira kuita zvounyengeri.
Mashandisiro Aungashandisa Wire Transfer
Kuti upe pesa mari , ingotumira mirayiridzo kubhengi yako. Iwe uchada kupa ruzivo pamusoro pebhengi rebhengi, iyo yaungada kuibvunza kubva kumumiririri-kukumbira "faira mitambo." Kuti uite chikumbiro chako nebhangi rako, iwe unogona kushandisa fomu yakapa bhangi, asi mamwe mabhangi anokuita kuti upedze iyo inotevedzwa paIndaneti. Kuti uwane mamwe mashoko, ona Maitiro ekuita Bank Wire.
Kuti uwane mari netambo, iwe uchada kugovera ruzivo rako rebhangi kumunhu kana bhizimusi kutumira mari. Kumbira bhangi yako kuti "masayeri anouya anouya" kuti uve nechokwadi chokuti unoshandisa nhamba dzakarurama. Zvakare, mari yacho inowanzoenda mune rimwe zuva, asi zvinogona kutora rimwe zuva kuti mari yacho ioneke mubhengi rako rekutsvaga paIndaneti (kunze kwekuti iwe ukashevedza kuti nzira yacho iendeswe, iyo inogona kana kuti isingakwanise).
Mari inowanzokomberedza $ 40 kutumira tambo, uye $ 10 (kana kuti vakasununguka) kugamuchira kutengesa firi.
Asi kana ukashandisa kadhi rechikwereti kuti ubatsire kutengesa firi , iwe uchabhadhara mari yekushambadzira, chikwata chapamusoro chekutora, uye mari yekutengeswa kwayo pachayo. Zvakanakisa kutumira tambo zvakananga kubva pakero yako yekuongorora.
Bank Wire Transfer Security
Dambudziko guru nekutsvaga kutengesa ndeye paunotumira mari.
Nekutengesa firi, mari inobva kubhangi rimwe kuenda pane imwe, uye zvakare kumubhadhadzi wekamu. Mukati reUnited States, izvo zvinoreva kuti sangano rimwe nerimwe kutengeswa kwematare rinoda bhangi rebhangi. Kuti uzarure account, federal mitemo inoda kuti mabhenji ave nechokwadi chekuzivikanwa kwako (pakati pezvimwe zvinhu) uye kukumbira kero chaiyo paunogona kuwanikwa.
Izvo zvakaoma kubhangi zvisingazivikanwi mukati meU.S., iyo inogadzirisa kukwanisa kwevhavha kubvisa tsvina nebhadha yekutengesa. Iwe unogona kuchengeta unhu hwako kubva kune vamwe uye mabhizinesi kune imwe nguva , asi kushandiswa kwemitemo kazhinji kunokwanisa kukuwana iwe.
Kunyange mabhandi eSwitzerland anobata pamwe neUnited States mitemo yekuita basa.
Izvozvo zvakati, kushungurudza kushandiswa kwefesi hakusi kunzwika. Vane mbavha vanongoda kutora bhengi rebhengi kwemazuva mashomanana kuti vawane mari kana kutumira mari kune imwe nzvimbo. Dambudziko guru nderokuti iwe unotumira mari, mbavha inokonzera mari (kana inoiisa kune imwe nhoroondo, zvichida kune dzimwe nyika), uye iwe hauzive kuti wakambosvibiswa kusvikira wakanonoka kuwana mari.
Kana mumwe munhu akakukumbira kuti ufunge mari, funga zvakananga pamusoro pewauri kutumira kune. Zvimwe zvekutengeserana zvinowanzova nengozi: Somuenzaniso, kana iwe uchinge uine mari kuhofisi inobhadhara mari inoshandiswa nemari (yakadai sechitengesi "kutengesa mari" muzvitoro mune imwe mall, Western Union , kana zvakafanana), zvakaoma kuongorora uyo akawana mari. Chero ani zvake ane ID yakaipa anogona kuunganidza mari.
Mari yekukwereta: Kubhadhara pasi uye dzimwe nhare kune imwe kambani yepamusoro ndiyo chinangwa chinokwezva chevashandi. Paunenge uchitenga imba, nguva dzose uone kuti mari inofanirwa kudiiwe-kunyanya kana iwe ukawana tambo mirayiridzo ne email. Hackers inogona kuchinja ma-imeyili (kunyange kubva kuvanhu wave uchishanda navo kwemavhiki mashoma) uye anokurayiridza kutumira mari kune nzvimbo isina kunaka. Kuti udzivise zvinetso, dana mutoriri kuti aone faira mitambo.
Kugamuchira mari: Zvakadini nekutambira kutengesa-iyo yakachengeteka? Kune chikamu chikuru, hungu. Mitsara inonyatsova nechokwadi nokuti mabhanhire chete anotengesa mari kunze kana mutumira ane mari iripo. Kana mari yacho yasvika, inofanira kuva yako yekuitora mukati mezuva rimwe remabhizimisi (kunyange zvisipo zvingashanda). Uyezve, zvakaoma zvikuru kuti mutumire kukoshesa mari mushure mokunge yaiswa.
Zvisinei, iwe unofanirwa kuve nechokwadi kuti wakagamuchira shanduko chaiyo kutengesa. Kuti uite kudaro, taura nomumwe munhu ari kubhangi rako kuti uone kana mari yacho "yakagadziriswa," uye taura nezvekunetseka kupi zvako kwaunayo pamusoro pekutengesa. Zvimwe zvikwereti zvemagetsi zvinogona kushandurwa. Mbavha anofarira kushandisa zvinyorwa zvako nekuvhiringidza nekuvimbisa kutumira tambo kutengesa asi chaizvoizvo kutumira mari uchishandisa nzira yakasiyana (yakashandurwa) .
Dzimwe Mhando dzeElectroni Transfer
Izwi rokuti wire transfer rinoshandiswa pamhando dzakasiyana-siyana dzekufambiswa kwemagetsi. Mari iyo inowanzosaiti sechinguvana kana yakachengeteka sefini yebhanji inoshandiswa, sezvinotsanangurwa pamusoro apa. Zvechokwadi, inenge zvose zvikwereti zviri magetsi mazuva ano ( kunyange cheki inowana digitized ).
Mari Kuendesa mabasa: Western Union mari inoshandiswa uye MoneyGram dzimwe nguva inonzi "mafaira" uye dzimwe dzekufambisa idzi zvishoma kana zvishoma zvishoma. Munhu anotumira anogona kufamba munzvimbo yekutengesa nemari, uye anogamuchira anogona kuenda kunze kweimwe chikwata nemari mumaminitsi mashoma. Zvisinei, kana iwe uchibhadhara kuendeswa kwebhangi kubva kubhengi yako yebhangi, iyo inotora mazuva mashoma. Uye kana ukashandisa kadhi rako rechikwereti kuti uende mari, iwe uchabhadhara mari yakawedzerwa.
ICH inoshandurwa: Kuendeswa kwekuchenesa imba (ACH) kune dzimwe nzvimbo dzakasiyana. Mari yacho inofamba kubva kubhangi kuenda kubhangi, asi kutora kunotora mazuva anoverengeka, uye mubhadharo haazozivi kuti kana mari yacho inosvika. ACH zvikwereti zvinogona kushandurwa, asi zvingangoita zvishoma.
Apps uye P2P mabhizimisi okubhadhara: Matanho akawanda ekubhadhara anokubvumira kutumira mari nokupinda muakaunti yako yebhangi zvisina kurongeka. Venmo, PayPal, Square Cash, uye vamwe vanopedzisira vashandurwa nehuwandu hwemagetsi, asi vangave vasina kufungidzirwa kuti "mafaira." Iva nechokwadi chekutarisa nevatengi vebasa pane chero njodzi dzaungatora (kunyanya kana iwe uchibhadhara munhu wausina ' t kuziva). Izvi zvinowanzoita zviri nyore uye zvisingadhuri . Asi chigadziro chimwe nechimwe chine simba uye utera, saka dzidza pamusoro pezvaunosarudza uye ona kuti chii chinonyanya kukosha kune chero munhu wauri kuchinjana nemari.