Kwakukhona isikhathi lapho wonke umuntu ayevame ukuhamba namaKhekhi Wabahambi noma ama-cash wads amaningi ayewashintshe ebhange lawo, kepha umhlaba uye waqhubeka futhi ukusetshenziswa kwe-ATM kulula futhi kubiza kunanini ngaphambili. Hlola indlela yokuhamba ngokuhlakanipha ngekhadi lakho le-ATM.
I-Visa ne-Mastercard zamukelwe kabanzi eYurophu; I-American Express ayanda kakhulu. I-Germany , ngokumangalisa, ingenye yamazwe ahamba kancane kakhulu ukwamukela amakhadi esikweletu kanye namakhadididi, ikakhulukazi emishayweni nasezindaweni zokudlela.
EYurophu EMpumalanga , ngakolunye uhlangothi, ingenye yezindawo ezinhle kunazo zonke emhlabeni ukuthengiselana kwekhadi, ngenkathi e-Iceland, ngisho nemishini ehamba phambili ithatha amakhadi.
Qaphela isimangalo se-Citibank sokuthi uzothola igatsha le-Citibank nomaphi lapho uya khona. Ngeke.
Izinkokhelo ezenzekayo ukuze uziqaphele
- Imali yokuthengiselana kwamanye amazwe: Lokhu kungase kube yimali ephansi noma iphesenti
- Amanani okushintshaniswa okuthintekayo: Ungaxhunywanga "Akukho mali yokuthenga yangaphandle!" AmaBhange ngokuvamile awakwenza ngamazinga okushintshaniswa . Bheka amabhange ahlinzeka ngezinga elithi 'inter-bank' noma 'ibhange-ebhange'.
- Ukuguqulwa Kwemali YeDynamic (DCC): Yilapho umshini unikezela ukwenza ukuguqulwa kwemali kuwe. Ukuguqulwa kuzohlale kungalungile. Njalo ucele ukuthi ukhokhiswe nge-euro (noma ngabe yikuphi imali ekhona ezweni ovakashelayo) futhi vumela ibhange lakho lasekhaya lenze ukuguqulwa-njalo kuzokunika imali engcono.
- Imali eyodwa-off eyakhokhwa ngumshini uqobo: Lezi ziphezulu ikakhulukazi ezitolo ezilula kanye nemishayo (ikakhulukazi e-UK).
Amabhange ashintsha amacala abo njalo, ngakho-ke hlola kabili ebhange ngaphambi kokufaka isicelo.
Ama-ATM eCitibank eYurophu
I-Citibank e-US ayiqinisekisi ukuthi amakhadi azo azosebenza kumishini engekho eCitibank ngaphandle kwe-US. I-website yabo ithi nje ingasetshenziswa mahhala kuma-ATM angu-45,000 emazweni angu-30. Uma zingasetshenziselwa eminye imishini, kungenzeka ukuthi kube yimali yokuthi ibhange libonakala lingathandi ukufaka iwebhusayithi yayo.
Sebenzisa i-Find My Citi ukuthola ukuthi yiziphi i-ATM ze-Citibank ezitholakala: uzodumazeka ukubona ukuthi kuningi kakhulu eYurophu (kunezodwa ezine eLondon, isibonelo). Udinga ikhadi le-Citibank Gold ukuze ugweme izimali.
Wells Fargo, JP Morgan, Bank of America kanye ne-Capital One ATM Imali eYurophu
- I-Wells Fargo ikuvumela ukuthi usebenzise noma iyiphi i-Visa ATM noma kuphi emhlabeni. Kodwa-ke, bayakhokhisa u-$ 5 ngalokhu kuhoxiswa no-3% kunoma yikuphi ukuthengiswa esitolo.
- I-Bank of America inezinkampani zomlingani ezungeze iYurophu, kuhlanganise noBarclays e-UK, i-Deutsche Bank eJalimane ne-BNP Paribas eFrance, emabhange amathathu amakhulu eYurophu. Ukuhoxiswa okuvela kula mabhange kuyoba mahhala. Ukuhoxiswa kweminye imishini kubiza u-$ 5.
- Chase ukushayela okuqondile $ 3 ngokuthengiswa kwamanye amazwe.
- I-Capital One kanye ne-akhawunti yabo engu-360 kuphela e-intanethi ayifuni kahle ukuthi bangakhokhisa kangakanani ukuthi benze ukuhoxiswa kwamanye amazwe. Amanye amawebhusayithi akhombisa ukuthi i-akhawunti engu-360 ayikho imali ekhokhelwa ngaphandle kwezwe.
Ngaphambi Kokuhamba Ngekhadi le-ATM EYurophu
- Yazisa ibhange lakho nge-800 inombolo ngemuva kwekhadi lakho ukuthi uzosebenzisa ikhadi lakho le-ATM eYurophu .
- Bhala phansi izinombolo zefoni zangaphandle ukuze uxhumane nebhange lakho uma kunenkinga (izinombolo ezingu-800, njengoba zibikwe ngemuva kwekhadi lakho le-ATM zivame ukukhululeka eYurophu).
- Uma kuncike ekhadini le-ATM kuzo zonke izidingo zakho zemali, qiniseka ukuthi unezinkampani ezimbili, nokuthi inombolo ye-PIN amadijithi amane, angekho.
Amathiphu nama-ATM Amasu
- Bhala phansi inombolo yefoni yebhange lakho. Inombolo ivame ngemuva kwekhadi lakho, kodwa uma ikhadi lakho libiwe.
- Thatha ikhadi lesibili kusuka ebhange elihlukile. Ngezinye izikhathi amakhadi athile ayisebenzi kumazwe athile. Yiba nekhasi elimele ngemuva uma kwenzeka. Kukhona uhlu lwamakhadi alula ongayithola ngezansi kwekhasi.
- Nciphisa iphinikhodi yakho . Uma iphinikhodi yakho ide kunamadijithi amane, ungadinga ukuthola inombolo entsha. Imishini eminingi engaphandle ayithandi amakhodi amade noma izinhlamvu nge-PIN. Ungathola izinhlamvu ezihunyushwe ngezinombolo ngokucela ibhange lakho.
- Tshela iBhange Lakho Uzobe Uhamba . Lokhu kubaluleke kakhulu. Ngaphambi kokuba uhambe, qinisekisa ukuthi ushayele inombolo ngemuva kwekhadi lakho lesikweletu noma debit bese uzisa inkampani yamalanga wakho wokuhamba. Uma kungenjalo, bazokuvumela ukuthengiswa kokuqala futhi mhlawumbe benqabe abanye ngokusola ukuthi ikhadi lakho lisetshenziswe ngumfokazi ezweni elingaziwa.
- Khulisa kakhulu. Ukwenza ukuhoxiswa okuncane kakhulu kwandisa inani lemali yokuthengiselana ngayinye. Thola okuningi ngangokunokwenzeka futhi uyifake endaweni ephephile.
- Yazi izinombolo zakho . Qinisekisa ukuthi othile ekhaya otholakala lapho uhlala eholidini unolwazi lwakho lwekhadi lesikweletu. Ngisho umuntu omethembayo, yiqiniso. Yenza ikhophi yekhadi lakho bese uyithatha nawe - bese uyigcina endaweni ehlukile kusuka lapho uphethe ikhadi lakho.
Eminye imikhakha yeKhadi Lekhadi noma Debit Card
Lezi zinsizakalo kulula ukuzijoyina futhi ziyindlela ehlukile yokusebenzisa ikhadi lakho elivamile lebhange.
- I-Simple yibhange laseMelika eliku-intanethi kuphela elingakhokhisi lutho ukuhoxisa ngaphandle kwezwe.
- I-Visa Okukhokhelwayo Iningi alikho imali yokukhokhelwa kwamanye amazwe kanye nokuhoxiswa
- I-Cash Passport Yilawule ngemali oyikhethayo bese uyikhetha esikhumulweni sezindiza.
- I-Revolut Gcina imali yakho ku-akhawunti yase-UK enezinhlelo ezintathu ezakhelwe (i-dollar yase-US, ibhilidi yaseBrithani ne-euro). Ukuhoxiswa kwamahhala emhlabeni wonke futhi akukho mali yokuthengiselana.
- N26 Uma useYurophu okwesikhashana futhi ube nekheli lesonto noma amabili, cabanga ukuqala i-akhawunti ye-N26. Kulula kakhulu ukusetha futhi ngokukhululekile uma unamathela esivumelwaneni sokusebenzisa kahle. Qaphela ukuthi lokhu kudinga i-smartphone yokusetha.