ATM, Makhadi a Makhadi, ndi German Banks
Ku Germany, "ndalama ndi mfumu" sizongonena chabe. Umu ndi momwe moyo umagwirira ntchito.
Yembekezani kuti mudziwe bwino ndi ATM ndi euro pamene mukuyenda kudutsa m'dziko lochititsa chidwi . Zowonongekazi zikuthandizani kuyendetsa nkhani za ndalama ku Germany.
The Euro
Kuchokera mu 2002, ndalama za boma ku Germany ndi Euro (yotchulidwa m'Chijeremani ngati OY-row). Ndili pakati pa mayiko 19 a Eurozone omwe amagwiritsa ntchito ndalama iyi.
Chizindikirocho ndi € ndipo chinapangidwa ndi Wachijeremani, Arthur Eisenmenger .Kodi ndi EUR.
Yuro imagawidwa masentimita 100 ndipo imaperekedwa mu € 2, € 1, 50c, 20c, 10c, 5c, 2c, ndi zipembedzo zochepa za 1c. Misonkho imatulutsidwa € €, € 200, € 100, € 50, € 20, € 10 ndi € 5 ulamuliro. Ndalama zimakhala ndi zojambula kuchokera ku mayiko onse omwe ali nawo, ndi chithunzi cha banki chomwe chimakonda kutsegula zitseko za Ulaya, zenera ndi madokolo komanso mapu a Europe.
Kuti mudziwe mlingo wamakono, pitani ku www.xe.com.
ATM ku Germany
Njira yofulumira, yosavuta komanso yotsika mtengo kwambiri yosinthanitsa ndalama ndi kugwiritsa ntchito ATM, yotchedwa Geldautomat m'Chijeremani. Iwo ali otchuka mumzinda wa Germany ndipo akhoza kupezeka 24/7. Iwo ali pa siteshoni ya UBahn, malo ogula zakudya , mabwalo oyendetsa ndege, malo odyera masitolo , sitima za sitima, sitima ya sitima, ndi zina zotero. Nthawi zambiri amakhala ndi chilankhulidwe cha chinenero kotero kuti mutha kugwiritsa ntchito makina m'chinenero chanu.
Musanachoke, onetsetsani kuti mukudziwa nambala yanu ya PIN ya 4. Komanso funsani banki yanu ngati mukuyenera kulipiritsa ndalama zapadziko lonse komanso momwe mungathere tsiku ndi tsiku.
Banki yanu ikhoza kukhala ndi banki yothandizira ku Germany zomwe zingakupulumutseni ndalama (mwachitsanzo, Deutsche Bank ndi Bank of America). Zingakhalenso zothandiza kudziwitsa banki lanu kuti musamangokhalira kukayikira.
Gwiritsani ntchito webusaitiyi kuti mupeze ATM pafupi ndi inu.
Kusinthanitsa Ndalama ku Germany
Mukhoza kusinthanitsa ndalama zanu zakunja ndipo oyendayenda amayenda mabanki a Germany kapena kusinthanitsa maofesi (otchedwa Wechselstube kapena Geldwechsel m'Chijeremani).
Sizodziwika ngati kale, koma zimapezekabe m'mabwalo a ndege, malo oyendetsa sitima komanso mahotela akuluakulu.
Mungagwiritsenso ntchito mautumiki a pa intaneti monga PayPal, Transferwise, World First, Xoom, etc. Iwo nthawi zambiri amakhala ndi mitengo yabwino m'badwo uwu wa digito.
Makhadi a Ngongole ndi EC Bank Card ku Germany
Poyerekeza ndi a US, ambiri a ku Germany amakondabe kulipira ndalama komanso masitolo ambiri ndi makale samalandira makadi, makamaka m'midzi yaing'ono ya ku Germany. Malingana ndi 80% ya zochitika zonse ku Germany ali ndi ndalama. Kufunika kwa ndalama sizingatheke. Musanayambe kugulitsa masitolo kapena malo odyera, yang'anani zitseko - nthawi zambiri amasonyeza zikhomo zosonyeza makadi omwe amavomereza.
Komanso onani kuti makadi a banki ku Germany amagwira ntchito mosiyana kusiyana ndi ku USA. Makhadi a banki a EC ndi omwe amavomereza komanso amagwira ntchito ngati khadi la debit la US kuti alowe ku akaunti yanu. Amakhala ndi maginito kumbuyo kwa khadili ndi chipu kutsogolo. Makhadi ambiri a US tsopano ali ndi zikhumbo zimenezi pamene akufunikira kugwiritsa ntchito ku Ulaya. Funsani kunyumba kwanu ngati simukudziwa za makhadi anu.
Visa ndi MasterCard amavomerezedwa ku Germany - koma osati paliponse. (American Express ngakhale pang'ono.) Makhadi ( Kreditkarte ) sali ocheperako ndipo kuchotsa ndalama ndi khadi lanu la ngongole ku ATM (muyenera kudziwa nambala yanu ya PIN) zingabweretse ndalama zambiri.
Mabanki a Germany
Mabanki a Germany amatha kutsegulidwa Lolemba mpaka Lachisanu, 8:30 mpaka 17:00. M'matawuni ang'onoang'ono, akhoza kutseka kale kapena masana. Amatsekanso kumapeto kwa sabata, koma makina a ATM amapezeka tsiku lonse, tsiku ndi tsiku.
Ogwira ntchito ku Bank nthawi zambiri amamasuka bwino m'Chingelezi, koma konzekerani kupeza njira yanu mozungulira monga Girokonto / Sparkonto (kafukufuku / akaunti yosunga) komanso Kasse (zowonetsera). Kutsegula akaunti kungakhale kovuta kwambiri pamene mabanki ena sapereka chidziwitso cha chinenero cha Chingerezi ndipo amafuna kuyankhula mwachidule, kapena kungofuna anthu akunja kutsegula akaunti. Kawirikawiri, kutsegula akaunti ya banki ku Germany mukufunikira:
- Pasipoti yokhala ndi visa
- Chiphaso chokhalamo ( Chotsatira )
- Perekani mawu kuchokera kwa abwana anu kapena Umboni wa ndalama
Onani kuti ma checks sakugwiritsidwa ntchito ku Germany. Mmalo mwake, iwo amagwiritsa ntchito kutumiza mwachindunji wotchedwa Überweisung .
Umu ndi momwe anthu amalipira lendi, amalandira malipiro awo, ndipo amapanga chirichonse kuchokera kuzing'ono mpaka kugulira zazikulu.