Kodi Njira Yabwino Yotengeramo Ndalama ku UK ndi iti?

Kuyang'ana pa Zomwe Zimakhalapo ndi Kuchita Zabwino, Kufunika ndi Kuwononga Mphamvu

Pulogalamu Sterling (£), nthawi zina imangotchedwa " Sterling ", ndiyo ndalama ya boma ya UK . Mukhoza kusintha ndalama zanu mu mapaundi m'njira zosiyanasiyana, koma simungathe kugwiritsa ntchito ndalama zanu zapadziko lonse, ngakhale Euro , osayinthanitsa.

Mukangoyamba kukonzekera ulendo wanu, yambani kuganizira momwe mungagwiritsire ntchito ndalama zanu ku UK. Siyani nthawi yokwanira yoganizira zosowa, chitetezo ndi mtengo wa zosankha zosiyanasiyana ndi kutsegula banki yatsopano kapena akaunti ya ngongole ngati kuli kofunikira.

Izi ndizo zisankho:

Makhadi a Ngongole ndi Debit - Chophweka komanso chotsika mtengo

Izi ndizo, manja pansi, njira yotsika mtengo komanso yabwino kwambiri kulipira zinthu ndi kupeza ndalama ku UK malinga ngati mukuzigwiritsa ntchito molondola. Taganizirani za ubwino ndi zachipongwe.

Mapulogalamu

1. Makampani a ngongole a ngongole amagwiritsa ntchito kuchuluka kwa mgwirizano wamakina / interbank pomwe ntchito yanu ikugwiritsidwa ntchito. Mpikisano udzapita mmwamba ndi pansi koma nthawi zonse zidzakhala zamalonda, zomwe zimapezeka mabanki ndi mabungwe akulu - bwino kwambiri kusiyana ndi ndalama zogulitsa ndalama zogulitsa malonda zomwe zilipo pamlingo wotsutsana ndi ogula. Kotero inu mumapeza zambiri za ndalama zanu.
2. Makampani ambiri a khadi samapereka malipiro ena owonjezera pa kugula katundu (ngakhale amachitapo kanthu mukagula ndalama).
3. Ngati mumalipira ngongole zanu za khadi la ngongole musanatengere chidwi, kapena onetsetsani kuti muli ndi ndalama zokwanira mu akaunti yanu ya debit kuti muwononge ndalama zanu, simudzakhala ndi ndalama zambiri.

1. Iwo amavomerezedwa kwambiri - Mungathe kulipira pafupifupi chirichonse chomwe chili ndi khadi la debit ku UK, kuchokera ku katoni ya mkaka ndi nyuzipepala zam'mawa kapena mowa potsatsa, kupita ku katundu wamtengo wapatali. Ku UK, anthu amatha kulipira misonkho komanso magetsi pamsewu wa debit.
2. Makina a ndalama, kapena ATM ali paliponse. Misewu yambiri yam'mudzi imakhala ndi makina osankhidwa odziŵika. Amapezeka pa siteshoni ya petrol (gas), m'mafilimu, mabanki ndi m'masitolo ena. Izi zimapangitsa kupeza ndalama pa ola lililonse la usana ndi usiku mosavuta.

Cons

1. Makhadi ena sali ovomerezeka kapena ambiri ovomerezeka ku UK. Mutha kukhala ndi vuto pogwiritsa ntchito Diner Club ndi Discover makhadi. Nthawi zina makadi a American Express amakanidwa. Gwirani ndi zazikulu ziwiri - VISA ndi MasterCharge - ndipo musakhale ndi mavuto.
2. Amalonda ena angafunikire kugula pang'ono kuti avomere khadi la ngongole. Izi ndizowona makamaka m'masitolo ang'onoang'ono, am'ma Mama ndi Pop.
3. Mabanki angagwiritsidwe ntchito. Mabanki, zomangamanga ndi makina osungira ndalama ku positi ku UK (omwe ambiri a iwo) samagwiritsa ntchito ndalama zina kapena ndalama kuti apeze ndalama. Koma kampani yanu ya banki kapena makhadi mwina. Ndikoyenera kugula kuzungulira ndalama zochepa kwambiri zogulitsa ndalama chifukwa izi zimasiyanasiyana kuchokera ku khadi kupita ku khadi komanso pakati pa mabanki ochotsera. Mutha kulipiritsa kulikonse kuyambira $ 1.50 mpaka $ 3.00 kapena kuposerapo kwa ndalama zakunja.
4. Makina ang'onoang'ono a makina a ndalama amalipiritsa ndalama zothandizira kuti achoke ndipo akuyenera kupeŵa. Makina achitsulo m'masitolo ang'onoang'ono abwino komanso pamsewu wina wopita kumsewu amatha kukhala mbali ya malonda amalonda omwe amawonjezera malipiro owonjezera - pafupifupi £ 1.50 koma nthawi zina kuchuluka kwa malonda anu. Yesetsani kupewa kugwiritsa ntchito makinawa pokhapokha ngati mwadzidzidzi. M'malo mwake funani ATM yomwe imagwirizanitsidwa ndi mabanki akulu a ku UK, ndi mabungwe omanga nyumba (monga mabanki osungira) kapena ndi masitolo oyendetsa (Harrods, Marks & Spencer ) ndi masitolo.

1. Mwina mungafunike kupeza khadi latsopano kuti muzitsatira mfundo za European Chip ndi Pin (zambiri pamunsimu).
   • Mawu amodzi kwa anzeru - Gwiritsani ntchito khadi lanu la ngongole kugula zinthu koma mugwiritse ntchito khadi la debit kapena ATM kuti mutenge ndalama kuchokera ku ATM. Mukamagwiritsa ntchito khadi la ngongole zogula, chiwongoladzanja sichiperekedwa mpaka tsiku lomaliza la msonkho (kawirikawiri masiku 30 kapena kutha kwa mweziwu). Koma, mukamagwiritsa ntchito khadi la ngongole pamakina a ndalama, chidwi chimayamba kuwonjezeka mwamsanga. Ndi khadi la debit, malingana ngati muli ndi ndalama kubanki kuti muwononge ndalama zanu, palibe chiwongola dzanja.

Nkhani ya Chip-ndi-Pin

UK, pamodzi ndi ena onse a dziko lapansi, akhala akugwiritsa ntchito makadi a Chip ndi Pin kwa zaka zoposa khumi. Makhadi ali ndi microchip yosakanikirana ndi makasitomala amapereka nambala yapaderadera, ya pinimbo ya 4 yomwe ayenera kulowa mu ATM kapena makina ogulitsa kuti agwiritse ntchito makhadi awo.

Dziko la United States ndilo lomwe linagwiritsidwa ntchito, ndikudalira pa makadi okhala ndi maginito omwe nthawi zambiri amafuna signature. Zonse zomwe zimayamba kusintha. Gulu la EMV (Europay Mastercard VISA) , lomwe linayambitsa luso lapadziko lapansi, lotseguka komanso lopiritsa makanema apamwamba a khadi, akhala akuyesa kukopa amalonda a ku America ndi olemba makhadi kuti asinthire ku chip ndi kupinikizira kwa nthawi yaitali. Mu October 2015, kukakamiza nkhaniyo, anasintha malamulo awo. Kuchokera apo, ngati khadi likugwiritsidwa ntchito mwachinyengo, amalonda kapena olemba makadi omwe sagwirizane nawo chipangizo ndi pini protocol adzayenera kukhala oyenera chifukwa cha mtengo wachinyengo.

Chifukwa cha ichi, EMV chip ndi kuyika makhadi abwino omwe akupezeka kwambiri ku USA ndi makadi okalamba amatsitsimutsidwa pang'ono pang'onopang'ono kuti akwaniritse mchitidwe wadziko lonse.

Kodi Izi Zikutanthauza Chiyani Kwa Inu?

Ngati mutakhala ndi chip ndi pini khadi lamakono, simungapite kuvuta kuligwiritsa ntchito pomwe khadi yanu imavomerezedwa. Makina owerengera makhadi omwe amagwiritsidwa ntchito m'masitolo, mabanki ndi maofesi a positi adzalinso ndi maginito a maginito wowerenga kotero kuti mukhoza kusinthitsa khadi lanu pamwamba kapena mbali ya chipangizocho.

Koma ngati khadi lanu likufuna signature (mwina maginito ndi signature kapena chip ndi sign sign cards) mudzakhala ndi mavuto - makamaka pamene palibe munthu wokhomerera ndalama akupezeka kuti avomere siginecha yanu. Popanda chip, khadi lanu lidzakanidwa ndi makina a tikiti (pa sitima za sitima, mwachitsanzo) ndi pamapampu odzipangira mafuta (petrol). Ndipo ngakhale ndi chip, mudzafunikira nambala ya PIN kuti mugwiritse ntchito khadi lanu ndi makina awa.

Kupewa zovuta:

• Makhadi onse a banki ndi makadi a ngongole ali ndi chiwerengero cha PIN cha 4, ngakhale banki kapena khadi yanu sikunakupatseni. Funsani imodzi pa makadi anu onse. Kenaka mudzatha kugwiritsa ntchito khadi yanu mu ATM kapena kuigwedeza pa sitepe ya malo ogulitsira ndi kuwapatsa malonda ndi nambala yanu ya PIN.
• Pezani nokha khadi ya chip-pin-pin. Ambiri mabanki akuluakulu a ku America tsopano akuwapereka kapena kuika makadi awo omwe alipo ndi makina osayina ndi makadi a chip ndi pin. Ngati banki yanu ikadalibe, tsekani akaunti ku banki yomwe ingakupatseni imodzi.

Ndipo Nkhani Yopanda Kulumikizana

Kuchokera mu 2014, makadi ambiri a debit ndi makhadi omwe amaperekedwa kwa ogula a UK ali ndi malipiro opanda pake . Ngati khadi liri nalo, pali chizindikiro chomwe chikuwoneka ngati mafunde omveka osindikizidwa pa khadi. Makhadi awa angagwiritsidwe ntchito pangongole zing'onozing'ono (mu 2017 mpaka £ 30 ku UK) pokhapokha powagwiritsira ntchito pazitali zamakono. Zokongola kwambiri, makhadi awa angagwiritsidwe ntchito ngati Makandulo Oyster kuti apeze London Underground, London mabasi. Sitima Yapansi ya London ndi Docklands Light Railway.

Ngati mukupita ku UK kuchokera ku Canada, Australia kapena mayiko angapo a ku Ulaya, mutha kale kukhala ndi makadi osayanjana nawo ndipo mungagwiritse ntchito ku UK kulikonse kumene chizindikiro chopanda pake chikuwonetsedwa pa malipiro a msonkho. Okhazikitsa makadi a US sakanatulutse debit ndi makhadi a ngongole osagwiritsa ntchito ngati ngati inu mukuchokera, tikuwopa kuti mwatuluka mwachangu pakalipano. Ngati mutha kugwiritsa ntchito khadi losayanjanitsika, kumbukirani kuti malonda anu adakalibe ogonjetsedwa ndi ndalama zogulitsa zokhudzana ndi banki kapena makhadi anu.

Ofufuza Oyendayenda

Cheke ya oyendayenda inali kamodzi ka golide panthaŵi ya ndalama zoyendetsa. Ndipo mwinamwake, kumadera ena a dziko lapansi akadakali njira yabwino, koma pakali pano ndizovuta kwambiri komanso zosasangalatsa kwambiri ku UK.

Mapulogalamu

1. Iwo ali otetezeka kwambiri - Malingana ngati inu mukulemba mbiri ya nambala ya cheke (zosiyana ndi ma checks okha), ndipo malinga ngati mutayang'ana nambala yowopsya kuti mulowe m'dziko lomwe mukumuchezera, mukhoza kutayika kapena kuba amachezetsa m'malo mwamsanga, popanda ndalama zina.
2. Iwo alipo mu ndalama zingapo kuphatikizapo madola, ma Euro ndi mapaundi sterling.

Cons

1. Zimakhala zodula, mwinamwake njira yokwera mtengo kwambiri yotengera ndalama kunja kwina. Choyamba, mutha kulipira ndalama imodzi peresenti ya ndalama zomwe mumagula. Ngati muwagula mu ndalama zachilendo - m'mawu ena mumagula madola kuti mugule oyendayenda akuyang'ana pa mapaundi sterling - mtengo wogulitsa malonda udzagwiritsidwanso ntchito ndipo mukhoza kulipira msonkho kuti mutembenuzidwe. Ngati muwagula mu madola, mukukonzekera kusinthanitsa ndi ndalama zapanyumba pamene mukufika, simudzakhalabe ndi kuvomereza kusinthanitsa malonda (zomwe nthawi zambiri zimakhala zopindulitsa kuposa interbank mlingo wa tsiku) ndipo mwinamwake ndalama zakunja ndikuitananso.
2. Zili zovuta kwambiri. Ku UK, kupatulapo maginito okaona malo monga Harrods , ndi mahotela okwera mtengo, pafupi ndi masitolo, malo odyera ndi mahotela omwe amawalandira. Ndipotu, m'masitolo ochepa chabe ku UK kupatula mtundu uliwonse wa cheke. Kotero mudzayenera kufunafuna malo osintha, mabanki ndi maofesi a positi - pamasiku a ntchito ya sabata, kuti muwapatse ndalama. Malo ogulitsira bizinesi, dzina la ku Ulaya la kusinthana kwa ndalama zamalonda, ndizochita malonda opindulitsa ndipo nthawi zambiri zimapereka ndalama zowononga ndalama. Ndipo mabanki amatha kufufuza okha ndalama ngati ali ndi zomwe amadziwika kuti ndi oyanjana ndi banki yomwe inawapatsa.

3. Makhadi Owonongera Ngongole

Njira imodzi yozungulira nkhani ya chip-ndi-pin ndiyo kudzigulira yekha khadi la ndalama, monga Travelex Cash Passport kapena Virgin Money Prepaid MasterCard. Awa ndi makadi omwe mumapereka ndalama zanu kapena ndalama zanu zomwe mukufuna kuzigwiritsa ntchito. Ena amatha kulipira ndalama zingapo nthawi imodzi. Makhadiwa akugwirizanitsidwa ndi imodzi mwa mabungwe akuluakulu a makhadi apadziko lonse - kawirikawiri VISA kapena MasterCharge, ali ndi teknolojia ya chip-pin-ndipo akhoza kugwiritsidwa ntchito kulikonse kumene makhadi a ngongole amavomerezedwa.

Mapulogalamu

1. Njira yophweka mu chip-ndi-pin
2. Yesetsani kuwononga ndalama zanu. Mulipira khadiyo ndi zomwe mukufuna kuti muzigwiritsa ntchito ndikuzigwiritsira ntchito ngati ndalama.
3. Chitetezo chimatsimikiziridwa malinga ngati muteteza nambala yanu ya PIN.

Cons

1. Pamtengo wamtengo wapatali wogula ndi wapamwamba kusiyana ndi ndalama zambiri za ATM ndalama zowonjezera zowonjezera
2. Ena amangowonjezera ndalama zowonjezereka mwa munthu pa nthambi ya bizinesi yomwe ikugulitsani inu, m'dziko lanu.
3. Zobisika - ngati mutasiya khadi pa khadi, mukukonzekera kuti mugwiritse ntchito ulendo wina kudziko lina kapena zinthu zina zamtengo wapatali, mungapeze kuti malirewo amachokera pamlanduwu "osayenerera" mwezi uliwonse. Werengani zolemba zabwino.

Ndipo chomaliza chenjezo za makadi olipidwa.

Chilichonse chimene mungachite, MUSAMAGWIRITSE NTCHITO maka maka kuti mutsimikizire hotelo yanu kapena galimoto yobwereka galimoto kapena kugula petrol kuchokera pamapompo owongolera. Muzochitika izi, ndalama - zomwe zingakhale £ 200 kapena £ 300 - zidzagwiritsidwa ntchito kutsimikizira kuti mudzalipira ngongole yanu. Vuto ndi lakuti, ngakhale mutagwiritsa ntchito ndalama zambiri, zingatenge masiku 30 kuti ndalamazo zimasulidwe. Panthawiyi, simungagwiritse ntchito ndalama zomwe mwaika pa khadi pa ulendo wanu wonse. Gwiritsani ntchito khadi lanu la ngongole kuti mutsimikizidwe, kenaka konzekerani ngongole ndi khadi lolipidwa.

4.Cash

Ndiye, ndithudi, nthawizonse mumakhala ndi ndalama zabwino zakale. Mufuna kukhala ndi ndalama zakunja m'kwama yanu kuti mupeze nsonga , ma tekesi ndi zodula pang'ono. Zomwe mumanyamula zimadalira ndalama zanu komanso kugwiritsa ntchito ndalama mwanzeru. Monga lamulo la chimphindi, ndondomeko yonyamulira pafupi ndi mapaundi osakaniza momwe mungatengere ndalama zanu pakhomo.