Ama-ATM, Amakhadi Ezikweletu, namaBhange aseJalimane
EJalimane, "ukheshi uyinkosi" akuyona nje isisho. Yindlela ukuphila okusebenza ngayo.
Lindela ukuba wazi kahle ama-ATM nama-euro njengoba uhamba kuleli zwe elithakazelisayo . Lokhu kubuka konke kuzokusiza ukuthi ufunde izindaba zemali eJalimane.
I-Euro
Kusukela ngo-2002, imali yase-Germany esemthethweni yi- Euro (eyaziwa ngesiJalimane njengo-OY umugqa). Iphakathi kwamazwe angu-19 ase-Eurozone asebenzisa le mali.
Uphawu luyi € futhi lwakhiwa ngumJalimane, u - Arthur Eisenmenger .Ikhodi ikholelwa ku-EUR.
I-euro ihlukaniswe ngamasenti angu-100 futhi ikhishwa ngo-€ 2, € 1, 50c, 20c, 10c, 5c, 2c, nezinhlelo ezincane ze-1c. Ama-banknotes akhishwa ngo-€ 500, € 200, € 100, € 50, € 20, € 10 no-€ 5 ukubusa. Izinhlamvu zemali zifaka imiklamo evela emazweni angamalungu onke, futhi isithombe se-banknotes sichitha iminyango yaseYurophu, iwindi namabhuloho kanye nebalazwe laseYurophu.
Ukuthola izinga lokushintshaniswa kwamanje, iya ku-www.xe.com.
Ama-ATM eJalimane
Indlela esheshayo, elula futhi ephansi kakhulu yokushintshanisa imali ukusebenzisa i-ATM, ebizwa nge- Geldautomat ngesiJalimane. Ziyinto evamile emadolobheni aseJalimane futhi zingatholakala 24/7. Zikhona eziteshini zeBahn, ezitolo zokudla , eziteshini zezindiza, ezitolo ezinkulu, ezitolo zezitolo , esiteshini sesitimela, njll. Ziningi cishe zinezinketho zolimi ukuze usebenzise umshini ngolimi lwakho.
Ngaphambi kokuhamba, qiniseka ukuthi uyazi inombolo yakho ye-PIN yezinombolo ezine. Buza futhi ibhange lakho uma kufanele ukhokhe imali yokuhoxiswa kwamazwe ngamazwe nokuthi kungakanani ongayilahla nsuku zonke.
Ibhange lakho lingase libe nebhange lomlingani eJalimane elingakusindisa imali (isibonelo, iDescheche Bank neBhange laseMelika). Kungasiza futhi ukwazisa ibhange lakho lokunyakaza kwakho ukuhoxiswa kwangaphandle akuphakamisi ukusola.
Sebenzisa le website ukuze uthole i-ATM eduze nawe.
Ukushintshanisa Imali eJalimane
Ungakwazi ukushintshanisa imali yakho yangaphandle futhi abahambi bahlole amabhange aseJalimane noma ama-exchange bureaux (okuthiwa u- Wechselstube noma i- Geldwechsel ngesiJalimane).
Ayejwayelekile njengoba ayekade ekhona, kodwa angatholakala eziteshini zezindiza, iziteshi zesitimela ngisho namahhotela amakhulu.
Ungase futhi uthathe izinsizakalo ze-intanethi njenge-PayPal, i-Transferwise, i-World First, i-Xoom, njll. Bavame ukufaka amanani angcono kule minyaka yobudijithali.
Amakhadi esikweletu kanye nekhadi le-EC Bank eJalimane
Uma kuqhathaniswa ne-US, amaJalimane amaningi asathanda ukukhokha ukheshi kanye nezitolo eziningi namakholomu abamukeli amakhadi, ikakhulukazi emadolobheni amancane aseJalimane. Kulinganiselwa ukuthi u-80% wabo bonke ukuthengiselana eJalimane bakhona. Ukubaluleka kwekhekhe akukwazi ukukhipha imali. Ngaphambi kokufaka izitolo noma zokudlela, hlola iminyango - bavame ukubonisa izitifiketi ezibonisa ukuthi yimaphi amakhadi avunyelwe.
Futhi phawula ukuthi amakhadi asebhange eJalimane asebenza kancane ngokuhlukile kunase-USA. Amakhadi asebhange we-EC ajwayelekile futhi asebenza njengekhadi lasebhange lase-US ngokuthi axhuma ku-akhawunti yakho yamanje. Bafaka umugqa wamagnetic ngemuva kwekhadi ene-chip ngaphambili. Amakhadi amaningi ase-US manje analezi zimfanelo njengoba kudingeka ukuba asebenzise eYurophu. Buza ebhange lakho lasekhaya uma ungaqiniseki ngezici zekhadi lakho.
I-Visa ne-MasterCard ivame ukwamukelwa eJalimane - kodwa hhayi yonke indawo. (I-American Express kuze kube ngaphansi kwalokho.) Amakhadi esikweletu ( Kreditkarte ) ajwayelekile futhi ahoxisa imali ngekhadi lakho lesikweletu ku-ATM (kufanele wazi inombolo yakho ye-PIN) ingabangela imali ephakeme.
Amabhange aseJalimane
Amabhange aseJalimane avame ukuvulwa ngoMsombuluko kuze kube uLwesihlanu, ngo-8: 30 kuya ku-17: Emadolobheni amancane, angavimba ekuqaleni noma emini. Zivaliwe futhi ngempelasonto, kodwa imishini ye-ATM iyatholakala kuwo wonke usuku, nsuku zonke.
Abasebenzi baseBhange bavame ukukhululeka ngesiNgisi, kodwa balungele ukuthola indlela yakho nxazonke ngemigomo efana neGirokonto / Sparkonto (i-akhawunti yokuhlola / yokulondoloza) kanye ne- Kasse (iwindi le-cashier). Ukuvula i-akhawunti kungaba yinkimbinkimbi njengoba amanye amabhange anganikeli ngolwazi lwesiNgisi futhi adinga ngokushelela, noma bamane nje benqabe amazwe angaphandle avula ama-akhawunti. Ngokuvamile, ukuvula i-akhawunti yasebhange eJalimane udinga:
- Ipasipoti ene visa efanele
- Isitifiketi sokuhlala ( esinqunyiwe )
- Khombisa isitatimende kumqashi wakho noma Ubufakazi bezimali
Qaphela ukuthi amasheke awasetshenziswanga eJalimane. Kunalokho, basebenzisa ukudluliselwa okuqondile okubizwa ngokuthi i- Überweisung .
Yile ndlela abantu abakhokhela ngayo inkokhelo yabo, bathola izinkokhelo zabo, futhi benze konke kusuka kokuncane ukuya ekuthengeni okukhulu.