​Imali ethunyelwa ngebhange iyinkokhelo ethunyelwa ebhange, ngokuvamile kwelinye izwe, ngenjongo yokuxhasa ngezimali ukuthenga noma okunye okwenziwayo. Izimali ezithunyelwa ebhange zivame ukusetshenziselwa ukukhokhela izimpahla noma izinkonzo, noma ukudlulisela imali kubangani namalungu omndeni.

Imali ivamise ukuthunyelwa ngommeli, njengesevisi yokudlulisa ucingo noma i-PayPal. Ukuthumela imali ethunyelwa ebhange ngokuvamile kuyashesha futhi kulula kakhulu kunokuthumela isheke noma i-oda lemali ngemeyili. Ngaphezu kwalokho, izimali ezithunyelwa ebhange zingalandelelwa ukuze umthumeli aqinisekise ukuthi imali yatholwa yilowo obehlosiwe.

Amabhange amaningi anikezela ngamathuluzi aku-inthanethi avumela amakhasimende ukuthi athumele kalula imali ethunyelwa ebhange. Amakhasimende ngokuvamile adinga ukungena ku-akhawunti yawo yasebhange eku-inthanethi bese enikeza ulwazi oludingekayo mayelana nomamukeli kanye nenani lenkokhelo. Uma inkokhelo isicutshunguliwe, umthumeli uzothola inombolo yokuqinisekisa engasetshenziswa ukulandelela isimo senkokhelo.

Isebenza Kanjani Imali Ethunyelwa Ebhange?

Ukukhipha imali ngebhange kungenziwa ku-inthanethi, ngohlelo lokusebenza lweselula, noma mathupha egatsheni lebhange langempela. Umthumeli kuzodingeka anikeze inombolo ye-akhawunti yasebhange yomamukeli nenombolo yomgudu, kanye nenani lenkokhelo. Uma inkokhelo isicutshunguliwe, umthumeli uzothola inombolo yokuqinisekisa engasetshenziswa ukulandelela isimo senkokhelo. Ukukhipha imali kuyisinyathelo esiyisi-6:

1. Ukuqaliswa: Umthumeli uhlinzeka ngemininingwane yomamukeli ebhange lakhe njengenani lokudlulisela kanye nemininingwane yasebhange yomamukeli 
2. Ukugunyazwa: Ibhange elihlelayo liqinisekisa imininingwane yomthumeli futhi lihlole ukuthi umthumeli unemali eyanele yini ku-akhawunti yakhe ukuze akhokhe ukudluliselwa.
3. Iyacubungula: Uma ibhange lomthumeli seliyiqinisekisile imininingwane yokwenziwe, licubungula ukuthunyelwa kwemali. Lokhu kungase kuhlanganise ukusebenzisa amasistimu okukhokha ahlukahlukene namanethiwekhi, kuye ngohlobo lokudlulisela nendawo yakhona.

   Emalini ephuma ekhaya, inqubo ngokuvamile iyashesha futhi ingase ihlanganise ukusebenzisa ingqalasizinda yokukhokha yasekhaya, njenge-Automated Clearing House (ACH) e-United States.

   Ezimalini ezithunyelwa kwamanye amazwe, inqubo ingaba yinkimbinkimbi futhi ingase ihlanganise amabhange amaningi nabaxhumanisi benkokhelo, ikakhulukazi uma kudingeka ukuguqulwa kohlobo lwemali.

4. Ukudluliswa Kwezimali: Ibhange lomthumeli lidonsa inani elishiwo ku-akhawunti yomthumeli. Ibhange lomamukeli libe selifaka imali ku-akhawunti yomamukeli.

Umthumeli nomamukeli bathola izaziso eziqinisekisa ukuqedwa kokuthunyelwa kwezimali.

Note: Ezimalini ezithunyelwa kwamanye amazwe, izimali ezengeziwe zingakhokhiswa amabhange nabaxhumanisi abahililekile kule nqubo. Lezi zimali zingabandakanya izindleko zomsebenzi, izindleko zokuguqulwa kohlobo lwemali, nezindleko zesevisi. Kubalulekile kubo bobabili umthumeli nomamukeli ukuthi baqaphele noma yiziphi izinkokhelo namazinga okushintshaniswa kwemali angase athinte ukuthunyelwa kwemali.

Izinzuzo Zokusebenzisa Imali Ethunyelwa Ebhange

Kunezinzuzo ezimbalwa zokusebenzisa imali ethunyelwa ebhange:

1. Isivinini: Uma usebenzisa imali ethunyelwa ebhange, imali ivamise ukufakwa ku-akhawunti yakho zingakapheli usuku olulodwa kuya kwezimbili. Lokhu kushesha kakhulu kunalapho ubungalinda ikhasimende ukuthi likuthumelele isheke noma i-oda lemali, okungathatha amasonto ukufika.
2. Ezokuphepha: Uma usebenzisa imali ethunyelwa ebhange, imali idluliselwa kusetshenziswa inethiwekhi evikelekile. Lokhu kusho ukuthi mancane amathuba okuthi imali ilahleke noma yebiwe endleleni.
3. Ukunemba: Uma usebenzisa imali ethunyelwa ebhange, izinga lokushintshisana lihlelwa kusenesikhathi. Lokhu kusho ukuthi uzokwazi kahle ukuthi yimalini ezofakwa ku-akhawunti yakho, ngaphandle kokukhathazeka ngokushintshashintsha kwezinga lokushintshisana.
4. Ukunethezeka: Uma usebenzisa imali ethunyelwa ebhange, akudingekile ukuba ukhathazeke ngokubhekana nezinhlobo zemali ezihlukene. Ibhange lizokusingatha ukuguqulwa, ukuze ukwazi ukugxila ekuqhubeni ibhizinisi lakho.

Uma uthola izinkokhelo njalo kumakhasimende akwamanye amazwe, ukusebenzisa imali yasebhange kungaba indlela elula nephumelelayo yokuphatha izimali zakho.

Ziyini Izindleko Zemali Ethunyelwa Ebhange?

Kunezindleko ezithile ezihlobene nokuthunyelwa kwebhange. Izindleko zingahluka kusukela ku-$0 kuye ku-$50 ngokusekelwe kusayizi wokudlulisa, izwe namabhange angabalamuli adingekayo ukuze aqedele umsebenzi. 

Inkokhelo ingakhokhiswa kokubili yibhange lomthumeli kanye nokuvinjelwa komamukeli. Kungase kube nenani lokushintshaniswa kwemali uma umthumeli nomamukeli benezinhlobo zemali ezihlukile. Le nkokhelo izokhokhiswa ibhange lomamukeli futhi izosekelwe esilinganisweni samanje sokushintshisana phakathi kwezinhlobo zemali ezimbili.

Izingozi Zokukhokhelwa Kwebhange nokuthi zingagwenywa kanjani?

Kukhona ubungozi obumbalwa ngenkathi uthumela imali ethunyelwayo:

1. Uma ulwazi lwe-akhawunti yasebhange yomamukeli lufakwe ngokungalungile, izimali zingathunyelwa ku-akhawunti engalungile futhi kungaba nzima ukuyibuyisa. 
2. Uma umthumeli engenayo imali eyanele ku-akhawunti yakhe ukuze akhokhe inkokhelo, ibhange lakhe lingamkhokhisa inkokhelo ye-overdraft. Okwesithathu, uma ibhange lihlangabezana nezinkinga zobuchwepheshe, inkokhelo ingase ibambezeleke noma ikhanseliwe.

Ungakugwema kanjani:

1. Qiniseka ukuthi ufaka imininingwane ye-akhawunti yasebhange yomamukeli ngendlela efanele. 
2. Hlola nebhange lakho ukuze ubone ukuthi ayikho yini imikhawulo yokuthi ingakanani imali ongayithumela ngezimali ezithunyelwa ebhange.
3. Khetha ibhange elihloniphekile elinerekhodi elihle lokwethembeka.

Manje njengoba usuyazi ukuthi imali ethunyelwa ebhange isebenza kanjani nokuthi yini okufanele uyicabangele, unganquma ukuthi ikulungele yini. Uma udinga ukuthumela imali ngokushesha nangokuvikelekile, ukukhishwa kwebhange kungase kube inketho enhle

Ukuqhathanisa Izinsizakalo Zokukhokhelwa Kwebhange

Uma udinga ukuthumela imali kumndeni noma kubangani phesheya, unezinketho ezimbalwa ezitholakalayo. Ungasebenzisa isevisi yokudlulisa imali yebhange, isevisi yokudlulisa imali yamazwe ngamazwe njenge-Western Union noma i-MoneyGram, noma ungathumela imali ethunyelwayo. Kodwa yini umehluko phakathi kwalezi zinsizakalo, futhi iyiphi inketho engcono kakhulu kuwe?

Uma une-akhawunti yasebhange, ngokuvamile ungathumela imali ngezintambo ngokuqondile kuwebhusayithi yebhange lakho noma uhlelo lokusebenza lweselula. Ukuze wenze lokhu, uzodinga imininingwane ye-akhawunti yasebhange yomamukeli, okuhlanganisa nekhodi yebhange ye-SWIFT. Ukudlulisa imali ngezintambo kungaqedwa emizuzwini embalwa, kodwa ngokuvamile akumahhala - ngokuvamile uzokhokhiswa inkokhelo yibhange lakho kanye nebhange lomamukeli. Futhi uma uthumela imali ezweni elinohlobo lwemali oluhlukile, ungase futhi ukhokhiswe izimali zokuguqula uhlobo lwemali.

Izinsizakalo zokudlulisa imali zamazwe ngamazwe

Kunenombolo yezinsizakalo zokudlulisa imali zamazwe ngamazwe ezitholakalayo, ezihlanganisa i-Western Union kanye ne-MoneyGram. Lezi zinsizakalo zikuvumela ukuthi uthumele imali emazweni angaphezu kwama-200 emhlabeni jikelele. Ungakwazi ukucubungula ukudlulisa kwakho ku-inthanethi, ngocingo noma mathupha endaweni yangempela. Isivinini sokudlulisa sizoncika kusevisi oyisebenzisayo, kodwa ngokuvamile ishesha kakhulu – ukudluliselwa okuningi kuqedwa phakathi namahora ambalwa.

Enye yezinzuzo ezinkulu zokusebenzisa isevisi yokudlulisa imali yamazwe ngamazwe ukuthi ungakwazi ukuthumela ukheshi kubantu abangenayo i-akhawunti yasebhange. Umamukeli angakwazi ukucosha ukheshi endaweni yomenzeli wendawo. Nokho, lezi zinsizakalo zingabiza - ngokuvamile uzokhokhiswa imali ephansi kanye nephesenti lemali oyithumelayo.

Izikweletu

Imali ethunyelwayo ivamise ukuthunyelwa ngesevisi yokudlulisa imali yamazwe ngamazwe noma isevisi yokuthunyelwa kwemali okukhethekile.

Inzuzo enkulu yokusebenzisa isevisi yokuthumela imali ukuthi ngokuvamile banezindleko eziphansi kakhulu kunezinye izinhlobo zezinsizakalo zokudlulisa imali. Lokhu kungenxa yokuthi izimali ezithunyelwayo ngokuvamile ziyizinkokhelo ezinkulu, ezivamile, ngakho izinkampani ezizisizayo zinganikeza amanani aphansi ukuze zikhuthaze amakhasimende ukuthi asebenzise isevisi yawo.

Iyiphi inketho engcono kuwe?

Lapho ukhetha indlela yokudlulisa imali, kunezinto ezimbalwa okufanele uzicabangele:

Ingakanani imali oyithumelayo? Uma uthumela inani elikhulu lemali, ukudluliswa kwemali ngezintambo okuvela ebhange lakho kungase kube inketho engcono kakhulu njengoba ngokuvamile kuzoba nezinkokhelo eziphansi kunesevisi yokudlulisa imali yamazwe ngamazwe.

Udinga ngokushesha kangakanani imali ukuze wamukelwe? Uma udinga imali ukuthi yamukelwe ngokushesha, isevisi yokudlulisa imali yamazwe ngamazwe ngokuvamile iyona ndlela engcono kakhulu. Kodwa-ke, uma ungalinda izinsuku ezimbalwa ukuze uthole imali, isevisi yokuthunyelwa kwezimali ingase ibe inketho engcono njengoba ngokuvamile inezindleko eziphansi.

Imali uyithumela kuliphi izwe? Amanye amazwe anemikhawulo yokuthi yimalini engathunyelwa ngaphakathi noma ngaphandle kwezwe. Uma uthumela imali ezweni elinemithetho eqinile, kungase kudingeke ukuthi usebenzise isevisi yokuthunyelwa kwezimali okukhethekile.

Uma uqhathanisa izinsiza zebhange, kubalulekile ukuqhathanisa izinkokhelo namazinga okushintshanisa ahlinzekwa umhlinzeki ngamunye. Kufanele futhi ucabangele ukuthi uyidinga ngokushesha kangakanani imali ukuthi yamukelwe, nokuthi udinga ukuthumela ukheshi noma izimali ze-akhawunti yasebhange. Enye into okufanele uyicabangele ukuzenzekelayo kwezinkokhelo:

Izinkokhelo ezizenzakalelayo

I-automation ilula ngesofthiwe efana ne-Flow Nanonets engasingatha inqubo ekhokhwayo yama-akhawunti ekupheleni ukuya ekupheleni futhi ikusize ngokuphindwe ka-10 ukusebenza kahle kwakho. Ungenza ama-invoyisi akho, ukugunyazwa, nenqubo yokukhokha ngokuzenzakalelayo. Vumelanisa idatha ngesikhathi sangempela ne-ERP yakho njenge-Quickbooks ukuze ubuyisane, ugade futhi wenze ukuhlaziya kunqubo yakho ye-AP.

Ngezinketho zokukhokha ezifana ne-ACH & Wire transfer, ungenza izinkokhelo zakho ngokuzenzakalelayo ngaphandle kokuhlupheka. Ukuze ufunde kabanzi, hlela ikholi nathi:

Izinkokhelo ezizenzakalelayo

Imithetho Emayelana Nokukhishwa Kwemali Ebhange

Lapho uthumela noma uthola imali ethunyelwa ebhange, kubalulekile ukwazi imithethonqubo ukuze ugweme noma yiziphi izinhlawulo ezibizayo noma ukubambezeleka. Ngokuya ngenani lemali ekhishwayo kanye nezwe okuyiwa kulo, kungase kube namafomu ahlukene okudingeka agcwaliswe kanye nemibhalo ehlukene edingekayo.

Lapho uthumela imali phesheya, uzodinga ukunikeza inombolo ye-akhawunti yasebhange yomamukeli kanye nenombolo yomzila, kanye nenombolo yakho ye-akhawunti kanye nenombolo yomzila. Inombolo yomzila iyinombolo enezinhlamvu eziyisishiyagalolunye ehlukile ebhange futhi isetshenziselwa ukuyikhomba lapho uthumela noma wamukela izinkokhelo. Inombolo ye-akhawunti inombolo enikezwe i-akhawunti yakho ethile ebhange.

Uma uthola imali ethunyelwa ebhange, uzodinga ukunikeza umthumeli inombolo yakho ye-akhawunti kanye nenombolo yomzila. Uzodinga futhi ukuthi ube nomazisi osemthethweni okhishwe uhulumeni ukuze ukwazi ukuthatha imali.

Kunemikhawulo yokuthi yimalini engathunyelwa nge-remittance yasebhange. Ngokwesibonelo, e-United States, umkhawulo ngu-$10,000 ngosuku. Uma uthumela noma uthola imali ethunyelwa ebhange engaphezu komkhawulo, uzodinga ukugcwalisa ifomu elibizwa ngokuthi Umbiko Wokwenziwa Kwemali (CTR). I-CTR iyifomu elisetshenziselwa ukubika noma yikuphi ukuthengiselana okungaphezu kuka-$10,000 okwenziwa ngemali, amasheke, ama-oda emali, noma amasheke abahambi.

Imali ethunyelwa ngebhange iyindlela elula yokuthumela noma yokwamukela imali, kodwa kubalulekile ukuqaphela imithetho ngaphambi kokuqeda umsebenzi. Ngokwazi izidingo kusenesikhathi, ungagwema noma yiziphi izinhlawulo ezibizayo noma ukubambezeleka.

Isifinyezo

Imali ethunyelwayo iwukudluliselwa kwemali, kumuntu oyedwa noma ebhizinisini. Uhlobo oluvame kakhulu lwemali ethunyelwayo wukudluliswa kwezimali ngocingo, okuwukudluliselwa kwezimali zisuka kwenye i-akhawunti yasebhange ziye kwenye. Ezinye izinhlobo zezimali ezithunyelwayo zihlanganisa ukudluliselwa kwezimali nge-elekthronikhi, okuwukudluliselwa kwemali phakathi kwama-akhawunti amabili e-elekthronikhi, kanye namasheke aphumayo angama-21, okudluliswa kwemali phakathi kwamabhange amabili kusetshenziswa uhlelo lweCheck 21.

Ziningi izizathu ezenza abantu basebenzise imali ethunyelwayo. Isizathu esivame kakhulu ukwenza inkokhelo yezimpahla noma amasevisi. Ezinye izizathu zihlanganisa ukuthumela imali kumndeni noma abangani, ukudlulisa imali phakathi kwama-akhawunti, noma ukukhokha izikweletu.

Ziningi izinzuzo zokusebenzisa imali ethunyelwayo. Okokuqala, ayashesha futhi afaneleka. Okwesibili, aphephile futhi avikelekile. Okwesithathu, ngokuvamile zibiza kancane kunezinye izindlela zokukhokha, njengamasheke noma ama-oda emali. Okwesine, zingasetshenziswa ukuthumela imali kubantu bakwamanye amazwe.

Kukhona ubungozi obuthile obuhambisana nokusebenzisa imali ethunyelwayo. Okokuqala, uma i-akhawunti yasebhange yomamukeli isezweni elihlukile, kungase kube nezinkokhelo ezihlobene nokudlulisa. Okwesibili, izinga lokushintshisana lingase lishintshe, okungase kubangele ukuthi umamukeli athole imali encane kunaleyo ebithunyelwe ekuqaleni. Okwesithathu, umthumeli angase angabi nalo ulwazi lwe-akhawunti yasebhange yomamukeli, okungase kubambezeleke noma kuvimbele ukudluliselwa.

A

A

• I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
• I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
• I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
• I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
• I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
• Source: https://nanonets.com/blog/understanding-bank-remittance/