Iyiphi indlela engcono kakhulu yokuletha imali ku-UK?

Ukubheka Izinzuzo Nezimpahla Zokuthola Okuhle, Ukubaluleka Nokusebenzisa Amandla

I-Pound Sterling (£), ngezinye izikhathi nje ebizwa ngokuthi " Sterling ", iyinhlangano esemthethweni yase-UK . Ungashintsha imali yakho ibe ngamakhilogremu ngezindlela ezahlukene, kepha awukwazi ukusebenzisa imali yakho yezwe, ngisho nama- Euro , ngaphandle kokushintshanisa kuqala.

Uma nje uqala ukuhlela uhambo lwakho, qala ukucabanga ukuthi uzosingatha kanjani imali yakho yokusebenzisa imali e-UK. Zishiye isikhathi esanele sokucabangela ukuthi kulula, ukuphepha kanye nenani lezinketho ezihlukahlukene futhi ukuvula ibhange elisha noma ama-akhawunti ekhadi lesikweletu uma kunesidingo.

Lezi yizinqumo:

1. Amakhadi Ezikweletu Nezikweletu - Elula futhi eshibhile kakhulu

Lezi yizandla, phansi, indlela eshibhile futhi elula kakhulu ukukhokha izinto nokuthola imali e-UK uma nje usebenzisa kahle. Cabanga ngezinzuzo nezenzalo.

Izinzuzo

1. Izinkampani zekhadi lesikweleti zisebenza izinga lokushintshaniswa ngokugcwele / lokungena phakathi kwezenzo uma ukusebenza kwakho kusetshenzwa. Izinga lizokhuphuka phezulu kodwa lizoba njalo izinga lokuhweba, elitholakalayo kumabhange nezinhlangano ezinkulu - kangcono kakhulu kunezindleko zokushintshanisa zemali ezithengwayo ezitholakalayo ngaphezu kwekhasi kubathengi. Ngakho uthole okuningi ngemali yakho.
2. Izinkampani eziningi zekhadi azifaki izinkokhelo ezengeziwe zokuthengiselana ekuthengeni kwezimpahla (noma zenzeni uma uthenga imali).
3. Uma ukhokha izikweletu zakho zekhadi lesikweletu ngaphambi kokuba inzalo ingeziwe, noma uqiniseke ukuthi unayo imali eyanele ku-akhawunti yakho yokukhipha imali ukuze uhlanganise nokusebenzisa kwakho imali, ngeke ukwazi ukukhokhiswa.

1. Ziyakwamukelwa kabanzi - Ungakhokha cishe noma yini ngekhadi lesikweletu e-UK, kusukela kwikaroni lebisi nasemaphephandabeni omhla noma ubhiya kushicilelo, kwizinto ezinkulu ezibiza kakhulu. E-UK, abantu bangakwazi ngisho nokukhokhisa izikweletu zabo zentela negesi ngekhadi lokudonswa.
2. Imishini yamashishini, noma ama-ATM akhona yonke indawo. Iningi lamigwaqo ephakeme emzaneni izoba nokukhethwa kwemishini yokutshela okuzenzakalelayo. Zitholakala eziteshini zephethiloli (igesi), kuma-cinema, emabhange nakwezinye izitolo. Lokhu kwenza ukuthola imali nganoma yisiphi ihora lusuku noma ubusuku lula kakhulu.

I-Cons

1. Amanye amakhadi awaqashelwa noma ayamukelwa kabanzi e-UK. Ungase ube nobunzima ngokusebenzisa i- Diners Club bese uthola amakhadi. Ngezinye izikhathi amakhadi aseMelika Express anqatshelwe. Hlanganisa nezinkulu ezimbili - i-VISA ne-MasterCharge - futhi akufanele ube nezinkinga.
2. Abanye abathengisi bangase badinge ukuthengwa okungenani ukuze bathole ikhadi lesikweletu. Lokhu kuyiqiniso ikakhulukazi ezitolo ezincane, zendawo nomama we-Pop.
3. Amacala aseBhange angasebenza. Ibhange, umphakathi wokwakha nemishini yemali ye-post office e-UK (okuyinto iningi labo) ayisebenzisi imali eyengeziwe noma ikhomishini yokuthola imali. Kodwa ibhange lakho noma inkampani yakho yekhadi kungenzeka. Kufanelekile ukuthenga ezungeze imali ephansi kakhulu yokuthengiselana kwemali ngoba lokhu kuyahluka kusuka ekhadini kuya ekhadini naphakathi kokukhishwa kwamabhange. Ungakhokhiswa noma yikuphi kusuka ku-$ 1.50 kuya ku-$ 3.00 noma ngaphezulu ngemali yokuthenga imali ngemali yangaphandle.
4. Inombolo encane yemishini yokukhokha inkokhelo yokukhokhela ukuhoxiswa futhi kufanelekile ukugwema. Imishini yamashishini ezitolo ezincane ezilula kanye nomunye umgwaqo ukuyeka ingase ibe yingxenye yamanethiwekhi okuthengisa ahlanganisa imali eyengeziwe - okungenani okungenani £ 1.50 kodwa ngezinye izikhathi iphesenti yokuthengiselana kwakho. Zama ukugwema ukusebenzisa le mishini ngaphandle kwesimo esiphuthumayo. Kunalokho funa ama-ATM ahlotshaniswa namabhange amakhulu ase-UK, ngemiphakathi yokwakha (njengebhange lokulondolozwa) noma ngezitolo ezihola (Harrods, Marks & Spencer ) nezitolo ezinkulu.

1. Kungase kudingeke uthole ikhadi elisha ukuhambisana namazinga we-European Chip nePin (ngaphezulu kwalokho ngezansi).
   • Enye izwi kulabo abahlakaniphile - Sebenzisa ikhadi lakho lesikweletu ukuze uthenge izinto kodwa sebenzisa i-debit noma ikhadi le-ATM ukuze uthole imali kusuka kuma-ATM. Uma usebenzisa ikhadi lesikweletu ukuze uthenge, inzalo ayikhokhiswa kuze kube sekupheleni kwesikhathi sokukhokha (ngokuvamile izinsuku ezingu-30 noma ekupheleni kwenyanga). Kodwa, uma usebenzisa ikhadi lesikweletu emshinini wemali, inzalo iqala ukukhula ngokushesha. Ngekhadi lokudonswa, uma nje unayo imali ebhange ukumboza imali yakho, ayikho inzalo ekhokhiswayo.

Inkinga ye-Chip-and-Pin

I-UK, kanye neningi lezwe lonke, isebenzisa amakhadi we- chip ne-PIN iminyaka engaphezu kweyishumi. Amakhadi ane-microchip ehlanganisiwe namakhasimende akhishwa inamba ye-PIN enezinombolo ezine eziyingqayizivele, okufanele bazifake kuma-ATM noma kumashini wokuthengisa ukuze basebenzise amakhadi abo.

I-USA ibilokhu ibambe iqhaza, incike ekugcineni ngamakhadi anezimpawu zamagnetic ezivame ukudinga isignesha. Konke okugcina ukuqala ukushintsha. Iqembu le- EMV (Europay Mastercard VISA) , elithuthukise i-global, ivulekile futhi iphinde itheknoloji yamakhadi ahlakaniphile, bezama ukukhohlisa abathengisi baseMelika nabanikezeli bekhadi ukuthi bashintshe ku-chip bese befaka isikhathi eside. Ngo-Okthoba 2015, ukuphoqa lolu daba, bashintsha imithetho yabo. Kusukela ngaleso sikhathi, uma ikhadi lisetshenziselwa ukukhwabanisa, abathengisi noma abanikezeli bekhadi abangabambi iqhaza kwi-chip nephini protocol bazobekwa icala ngezindleko zobuqhophololo.

Ngenxa yalokhu, i-EMV chip bese uphawula amakhadi ahlakaniphile atholakalayo kabanzi e-USA namakhadi wesitayela esidala kancane kancane ashintshwe ukuhlangabezana nesilinganiso somhlaba jikelele.

Lokhu kusho ukuthini lokhu

Uma usuvele une chip futhi uphaqa ikhadi le-smart card, ngeke uphume kunoma iyiphi inselele ukuyisebenzisa lapho umkhiqizo wakho wekhadi wamukelwa khona. Imishini yokufunda ekhadini esetshenziselwa ezitolo, amabhange kanye namahhovisi okuthunyelwe izoba ne-magnetic stripe reader ukuze ukwazi ukuswayipha ikhadi lakho phezulu noma eceleni kwedivayisi.

Kodwa uma ikhadi lakho lidinga isignesha (noma umgqa wamagagasi noma isignesha noma chip namakhadi wesiginesha) uzoba nezinkinga - ikakhulukazi uma kungekho cashier womuntu engekho ukwamukela isignesha yakho. Ngaphandle kwe-chip, ikhadi lakho lizonqatshwa yimishini yamathikithi (eziteshini zesitimela, isibonelo) nangamapompo ahamba ngokuzenzakalelayo (uphethiloli). Futhi ngisho ne-chip, uzodinga inombolo ye-PIN ukusebenzisa ikhadi lakho nale mishini.

Ukugwema izinhlanzi:

• Wonke amakhadi asebhange namakhadi esikweletu aneenombolo ye-PIN yamadijithi angu-4, noma ngabe umklomelo wakho webhange noma ikhadi akakunikanga. Cela enye yamakhadi akho. Khona-ke uzokwazi ukusebenzisa ikhadi lakho ku-ATM noma uyiswayipha endaweni yokugcina yokuthengisa futhi uvumele ukuthengiselana ngenombolo yakho ye-PIN.
• Zitholele ikhadi le-chip-ne-pin. Iningi lamabhange aseMelika amaningi manje ayinikeza noma athathe amakhadi amakhasimende abo asekhona namakhadi wesignesha ngamakhadi namakhadi wepini. Uma ibhange lakho lingakabi khona, vula i-akhawunti ebhange elingakunika lona.

Futhi Inkinga Yokuxhumana

Kusukela ngo-2014, amakhadi amaningi kanye namakhadi esikweletu anikezwe abathengi base-UK abe nesici sokukhokha esingenakuxhumana nabo . Uma ikhadi linalo, kukhona uphawu olubukeka njengamagagasi omsindo aphrintiwe ekhadini. Lawa makhadi angasetshenziselwa izinkokhelo ezincane (ngo-2017 kufika ku-£ 30 e-UK) ngokumathinta kuma-terminals ngendlela efanayo. Ngokuhle kakhulu, la makhadi angasetshenziswa njengamaKhodi we- Oyster ukuze afinyelele e-London Underground, e-London amabhasi. I-London Overground neDocklands Light Railway.

Uma uvakashela i-UK evela eCanada, e-Australia noma emazweni amaningi aseYurophu, kungenzeka usuvele unamakhadi angenalwazi futhi ungawasebenzisa e-UK nomaphi lapho uphawu lokungaxhunyiwe luboniswa khona ekugcineni kokukhokha. Abakhiqidi bekhadi lase-US abakhipha okwamanje amakhasimende angenaxhumene namakhadi esikweletu ngakho uma uvela lapho, sesaba ukuthi usuke enenhlanhla okwamanje. Uma ukwazi ukusebenzisa ikhadi elingenakuxhumana naye, khumbula ukuthi ukuthengiselana kwakho kuzobe kuncike kunoma yikuphi ukukhokhelwa kwezimali zangaphandle kwezindleko zakho zebhange noma zekhadi.

Ukuhlola Abahambi

Amasheke abagibeli bebeyisilinganiso segolide lapho bephethe imali yokuhamba. Futhi mhlawumbe, kwezinye izingxenye zomhlaba bangase babe yindlela ephephile, kodwa okwamanje kuyindlela engabizi kakhulu futhi engavumelani kakhulu ne-UK.

Izinzuzo

1. Zivikeleke kakhulu - Uma nje ugcina irekhodi lezinombolo zokuhlola (ezihluke ezihlolweni ngokwazo), futhi uma nje ugcina ithrekhi yocingo oluphuthumayo ukubiza ezweni ovakashelayo, ungalahleka noma webiwe ukuhlolwa kushintshwe ngokushesha, ngaphandle kwezindleko ezengeziwe.
2. Zitholakala eziningana zezimali ezihlanganisa ama-dollar, ama-euro namapounds ama-sterling.

I-Cons

1. Zindleko, mhlawumbe indlela ebiza kakhulu kakhulu yokuthatha imali ngaphandle kwezwe. Okokuqala, ngokuvamile uzokhokhiswa imali engamaphesenti ayishumi yenani eliphelele lamasheke owathengayo. Uma uthenga ngemali yangaphandle - ngamanye amagama uchitha amadola ukuze uthenge abahambi bahlole amakhilogremu ama-sterling - izinga lokushintshisana lokudayisa lizosebenza futhi ungase ukhokhe ikhomishini yokuguqulwa kwemali. Uma uzithenga ngama-dollar, uhlela ukuwashintshanisa ngemali yendawo lapho ufika, uzobe unamathele ekutholeni izinga lokushintshanisa okuthengiswayo (ngokuvamile ngokuvamile kunenzuzo kunenani le-interbank yosuku) futhi mhlawumbe nekhomishana yemali yangaphandle.
2. Ziyinkimbinkimbi kakhulu. E-UK, ngaphandle kwezimboni zezokuvakasha ezifana ne- Harrods , namahhotela abizayo kakhulu, cishe akukho ezitolo, izindawo zokudlela namahhotela azamukela. Eqinisweni, bambalwa kakhulu izitolo e-UK ngaphandle kwanoma yiluphi uhlobo lokuhlola nhlobo. Ngakho kuzodingeka ufune i-bureau yokuguqula, amabhange namahhovisi okuposa - phakathi namahora okusebenza ngeviki, ukuze uzikhiphe. Izitolo zokuguqulwa kweBhodi, igama leYurophu ngezinkokhelo zemali yokuhweba, zenza inzuzo ebhizinisini futhi ngokuvamile zinikela ngezinga elibi kunawo wonke. Futhi amabhange azohlola kuphela abahamba ngezinkampani zemali uma benalo owaziwa njengomxhumanisi ohambelana nebhange owanikhipha.

3. Amakhadi Ezezimali Ezikhokhelwayo

Enye indlela ezungeze inkinga ye-chip-and-pin ukuzithenga ikhadi elikhokhelwa imali, njenge-Travelex Cash Passport noma i-Virgin Money Prepaid MasterCard. Lawa amakhadi owabhadela ngaphambili noma yikuphi imali yakho noma imali ofuna ukuyisebenzisa. Abanye bangakhokhiswa ngezimali eziningana ngesikhathi esisodwa. Amakhadi ahlotshaniswa neyodwa yezinhlangano ezinkulu zekhadi lamazwe omhlaba - ngokuvamile i-VISA noma i-MasterCharge, ifakwe ubuchwepheshe be-chip-no-pin futhi ingasetshenziswa noma ngabe yimuphi amakhadi esikweletu alamukelekile.

Izinzuzo

1. Indlela elula yoku-chip-ne-pin
2. Kulula ukulawula ukusetshenziswa kwakho. Ukhokha ikhadi ngokuqondile lokho ofuna ukulisebenzisa bese ulisebenzisa njengemali.
3. Ukuphepha kuqinisekiswa uma nje uvikela inombolo yakho ye-PIN.

I-Cons

1. Ngaphambi kwentengo yokuthenga futhi ephakeme kunezindleko zemali ekhokhwayo ye-ATM ingafaka izindleko
2. Abanye bangakhokhiswa kuphela ngemali eyengeziwe kumuntu egatsheni lebhizinisi elithengisa lona, ​​ezweni lakini.
3. Amacala efihliwe - uma ushiya ibhalansi ekhadini, uhlela ukuyisebenzisa kwelinye uhambo noma kwelinye ukuthenga okukhethekile, ungathola ukuthi ibhalansi ibanjwe yizinkokhelo zenyanga "ezingasebenzi". Funda ukuphrinta okuhle.

Futhi enye yokugcina isixwayiso mayelana namakhadi okukhokhelwa kuqala.

Noma yini oyenzayo, Ungasebenzisi le makhadi ukuze uqinisekise ihhotela lakho noma ibhaja eliqashisayo lemoto noma ukuthenga uphethiloli kusuka kumapompo ezenzekelayo. Kulezi zimo, imali - okungaba yi-£ 200 noma £ 300 - iyobekwa ukuze uqinisekise ukuthi uzokhokha imali yakho. Inkinga iwukuthi, noma ngabe ungayisebenzisi imali eningi, kungathatha izinsuku ezingama-30 ukuze lezo zimali zikhishwe. Okwamanje, awukwazi ukusebenzisa imali oyifakile ekhadini lonke uhambo lwakho. Sebenzisa ikhadi lakho lesikweletu ukuze uthole iziqinisekiso, bese ulungisa izikweletu ngekhadi elikhokhelwa ngaphambilini.

4.Cash

Khona-ke, yebo, kukhona njalo imali enhle endala. Uzofuna ukuba nemali ethile yangakini esikhwameni sakho samathiphu , amakhokhethi weklabhu nokuthengwa okuncane. Kungakanani okuthwalayo kuxhomeke emikhubeni yakho yokuchitha nokuzethemba ekuthwaleni ukheshi. Njengomthetho wesithupha, kuhlelwa ukuthwala okungenani ngamakhilogremu amahle kakhulu njengoba ungase uphathe ngemali yakho lapho uhlala ekhaya.