Pane nzira dzakawanda dzekutora mari kubva kune rimwe bhangi kuenda pane imwe yemagetsi. Vose vane zvigaro zvavo uye zvinotyisa, asi vose vanowana basa racho.
Bank-to-Bank Transfer
Kana zvose zviri zviviri zvikwereti zvako, bhagheni-kubhangi kutengesa ndiyo nzira yakanaka.
Iwe unogona kuisa kuendesa nebhasiro rekutumira kana kugamuchira, uye mari inosvika kune imwe nzvimbo shure kwemazuva maviri kana matatu ebhizinesi (kazhinji neACH ). Mabhengi mazhinji anokubvumira kuti uende kune dzimwe nyika pasina - asi pfungwa yakanaka yekuongorora mabhizimisi ose kuti ave wakachengeteka.
Gadzirai maakaunti enyu: Kugadzirisa kuwedzerwa pakati pekodhi mbiri, unoda kubatanidza maakaunti kutanga (izvi zvinogona kutora vhiki kana kuti-ezvo uise hutano usati watoda kutumira mari).
- Taura iwe ku-akhawunti yaunotumira kubva uye tsvaga sarudzo ye "kuwedzera kambani," "kuwedzera zvinyorwa zvekunze," kana kuti "link link" munharaunda yebasa rese.
- Gadzirai imwe nhamba yebhangi yekufambisa uye nhamba yako yebhuku pabhangi iroro. Kana iwe usina ruzivo irworwo, ona kupi kuti uwane nhamba idzi (kana pane cheki kana kubva kubhangi rako).
- Mushure mokutumira ruzivo urwu, unofanirwa kuve nechokwadi kuti iwe une pamba yekunze. Iwe unowanzoita izvi nekupa zita rekushandisa nephasiwedi yekambani iyo kana nekusimbisa duku "test" inopindirana pakati pemabhanki maviri. Kuti uwane mamwe mashoko, verenga nezvekubatanidza mabhengi ebhangi .
Tumira kune vamwe kana vamwe? Iyi nzira iri nyore kana mabhenji ebhengi ari muzita rako. Kuendesa mari kune mumwe munhu, iwe uchada kushandiswa kutengesa kutengesa kana imwe sangano (ona pasi apa).
Apps uye Online Payment Tools
Kana bhengi yako isingabhadhari kubhangi-kubhangi kuwedzerwa kana iwe unoda kutumira mari kune mumwe munhu, pane zvimwe zvishandiso zveP2P zvinowanikwa.
Kuti ugadzire, iwe uchabatanidza kero yako kune imwe purogiramu kana sebasa uchishandisa chengetera yako yekuongorora uye nhamba dzekuendesa sezvinotsanangurwa pamusoro apa. Zvadaro, iwe "unotumira" mari kumubatsiri uchishandisa akaunti yavo (iyo inogona kubatanidzwa ne email yavo kana kuti nhamba yefoni).
Maitiro ekudhindwa: une maitiro akawanda pano.
- PayPal yave yakapoteredza nokusingaperi, uye vanhu vazhinji vane akhawunti yePayPal.
- Mazhinji mabhangi anopa pachena kana asingadhuri P2P inoshandiswa kuburikidza neZelle , Popmoney kana mutengesi akafanana. Aya maitiro anowanzowedzerwa kuongororo yako yekuongorora pakarepo. Tsvaga "mari yako" kana zvimwechetezvo paunenge watopindwa neakaunti yako.
- Venmo inzvimbo yakakurumbira inosanganisira sangano revanhu pamwe nekubhadhara basa.
- Square Cash ibasa rekusununguka rekubhadhara nekadhi yako yebhadharo.
Kushinja: Zelle neCheat Cash kuwedzerwa kunofanira kunge iri pakarepo, asi mamwe mabasa anotora mazuva mashomanana kuti apedzise. Asi PayPal naVenmo vanogona kukubvumira kukurumidza mutengesi wemari shoma.
Kuchengeteka: Paunenge uchishandisa mazano aya, iva nechokwadi chokuti unoziva kuti uri kutumira kune kana kuti unowana mari kubva. Semuenzaniso, zvipo zveVenmo hazvikwanisi kushandurwa , uye zvizhinji zvekutengeserana hazvipi kupa mutengi kana kuchengetedza mutengesi. Vanhu vanonyadzisa kushandisa zvinyorwa zviri nyore izvo mapurogiramu aya, uye kuti vanhu vakawanda vanofunga sei kuti mari yacho inofamba pakarepo.
Wire Transfers
Siri kutengesa ndiyo nzira yakanakisisa yekuendesa mari kune imwe kambani kana nguva iri yezvinokosha. Iko kutsvaga kukuru kunodhura: Uchabhadhara mari, kazhinji inenge madhora makumi mana. Kuti upedze kutengesa kutengesa, iwe unofanirwa kugovera ruzivo rwakadaro rwunoda kubhengi-kubhengi ACH kuendeswa (kuendesa uye nhamba dzebhuku).
Anotuka, asi kwete nguva dzose: Kana uchinge urayira bhanhire rako kuti uite zvemari, mari inofanira kuva pabhangi rinogamuchira mukati mezuva rimwe bhizimusi-kana zuva rimwe chete, zvichienderana nekutanga kwaunotanga uye kuti mabhanji anotanga sei. Mari iyo inosvika inoonekwa se "yakabviswa" mari, saka hapanofanira kuva ne "kubata" nguva mari isati yasvitsa. Izvozvo zvakati, kutengesa firimu kunogona kutora maawa akawanda kuti iongororwa. Dzidza zvakawanda nezvekutumira nekugamuchira tambo .
Old-Fashioned Ways to Transfer Money (Checks)
Kwete mune imwe nhanho yekuendesa mari yacho?
Dzimwe nguva teknolojia inowedzera dambudziko kupfuura zvakakosha. Zvichida une zvishoma zvigaro zvakagara zvakapoteredza nebhengi rekare rebhangi, uye iwe unongoda kuzvichenesa uye kuzviendesa kubhengi yako itsva. Hazvina kukodzera kuedza kuvhara munharaunda dzose dzekugadzirisa uye nhamba dzekambani uye kunyora kune imwe purogiramu yega yega.
Nyora iwe cheki: Kana iwe uine cheki, kunyora iwe pachako isarudzo iri nyore. Ingoisa zita rako pasi semutengi, uye uise cheki muakaunti yako itsva. Iwe unogona kutarisira chinhu chose kunze kwekusiya imba kana iwe ukaisa cheki nefoni yako .
Kumbira cheki: Kana iwe usingakwanisi kunyora cheki, bvunza bhanhire kuti ridhindwe rimwe rako. Kunyangwe iwe uri kunze kwehurumende, kazhinji kashoma kuwana cheki yakabhadharwa iwe (muridzi webhuku) uye kutumira kune imwe yekero yako yepafeji pane faira nebhangi. Zvimwe, unogona kushandisa bhizinesi rebhengi rako rekubhadhara mari kubhadhara iwe pachako. Iyo nzira inogona kunge yakanyanya nyore kana ukashandisa chikwereti chikamu icho chikamu cheSared Branching network : Iwe unogona kungoenda mune rimwe rebazi iri munyika uye uwane cheki pakarepo.
Mari yakanatswa : Kukumbira cheki zvakare chinhu chakanaka kana iwe uchida kuwana "mari" yakagadziriswa mubhuku rebhangi rinogamuchirwa (bvunza chekoni yekasi kuitira kuti ugone kushandisa mari nguva pfupi mushure mokuisa cheki).