Momwe mungasamutsire bwino kuchokera pa foni yam'manja ndi pulani kupita ku ina

M'dziko latsopano la mafoni am'manja, tsiku lililonse pali njira zatsopano zolumikizirana ndi zida zathu. Chimodzi mwazofunsidwa kawirikawiri pakati pa ogwiritsa ntchito ndi momwe mungasamutsire bwino ya foni yam'manja ndi ndondomeko kwa wina, ntchito yomwe ingakhale yosadziwika kwa ambiri. M'nkhaniyi, tiwona njira zamakono zofunikira kuti tikwaniritse kusamutsidwa kumeneku, ndikupereka ndondomeko yolondola komanso yosalowerera ndale ya ndondomekoyi.

Momwe mungasinthire bwino pakati pa mafoni am'manja ndi pulani

Ngati ndinu wogwiritsa ntchito foni yam'manja, nthawi zina mungafunike kusamutsa ndalama kwa bwenzi, wachibale kapena wogwira naye ntchito yemwenso ali pa dongosolo. Mwamwayi, makampani ambiri amafoni amapereka mwayi wosinthira ndalama pakati pa mafoni a m'manja ndi ndondomeko, kukulolani kugawana ngongole mwamsanga komanso mosavuta. Tsatirani izi kuti musinthe bwino:

1. Yang'anani ndalama zanu: Musanasamutse, onetsetsani kuti muli ndi ndalama zokwanira mu akaunti yanu kuti mupewe mavuto.

• Lowetsani *500# ndikudina kuyimba.
• Sankhani "Balance Inquiry" njira.
• Onani ndalama zomwe zilipo mu akaunti yanu.

2. Pezani kusamutsa menyu: Kampani iliyonse ili ndi njira yakeyake yosinthira ndalama, choncho onetsetsani kuti mukuzidziwa bwino zomwe opereka anu amachita. Nthawi zambiri, muyenera kuyimba nambala yaifupi kapena kupeza kudzera pa pulogalamu yam'manja.

• Imbani *505# ndikusindikiza kuyimba.
• Sankhani "Transfer balance" njira.
• Lowetsani nambala yafoni ya wolandirayo ndi ndalama zomwe mukufuna kusamutsa.

3. Tsimikizirani kutengerapo: Mukangolowetsa zomwe mukufuna, onetsetsani kuti mwawunikiranso mosamala musanatsimikizire kusamutsa.

• Onetsetsani kuti nambala ya wolandirayo ndi yolondola.
• Onetsetsani kuti mwalemba ndalama zoyenera.
• Tsimikizirani kusamutsa.

Kumbukirani kuti kampani iliyonse ikhoza kukhala ndi zofunikira zina ndi ndalama zogulira ndalama, choncho ndikofunika kudziwa bwino ndondomeko yanu. Ndi njira zosavuta izi, mutha kugawana bwino m'njira yabwino ndipo mosavuta ndi ogwiritsa ntchito ena mukampani yanu yomweyi.

Zolemba ndi zofunikira zofunika kuchita kusamutsa bwino

Zofunikira:

• Chizindikiritso chovomerezeka: Chiphaso cha pasipoti yanu kapena chiphaso chanu chidzafunika kuti mutsimikizire kuti ndinu ndani ndikuwonetsetsa kuti kusamutsa kukuchitika. m'njira yabwino.
• Umboni wa adilesi yaposachedwa: Ndikofunikira kupereka chikalata chotsimikizira komwe mukukhala, monga bilu kapena sitetimenti yaku banki.
• Fomu yosinthira ndalama: Muyenera kulemba ndi kusaina fomu yosinthira yoperekedwa ndi banki kapena wopereka chithandizo.

Zofunikira zofunikira:

• Akaunti yakubanki yogwira ntchito: Muyenera kukhala ndi akaunti yakubanki yovomerezeka komanso yogwira ntchito kuti muthe kusamutsa ndalama. Onetsetsani kuti mwapereka tsatanetsatane wa akaunti yaku banki polemba fomuyo.
• Zokwanira zopezeka: Muyenera kukhala ndi ndalama zokwanira mu akaunti yanu kuti musamutse. Yang'anani ndalama zanu musanalembe.
• Chilolezo cha munthu amene akulandira kapena bungwe: Ngati mukusintha ndalama kwa munthu wina kapena bungwe, mungafunike chilolezo chawo cholembedwa. Onetsetsani kuti mwakwaniritsa zofunikirazi musanakonze zomwe zachitika.

Mfundo zofunika:

• Yang'anani mfundo za banki yanu kapena wopereka chithandizo ndi zomwe zili pazakusamutsa ndalama. Pakhoza kukhala zoletsa, malire kapena ndalama zowonjezera zomwe muyenera kuzidziwa.
• Tsimikizirani kulondola kwa zomwe zaperekedwa musanayambe kusamutsa. Zolakwika muzambiri zitha kuchedwetsa kapena kuletsa ntchitoyo.
• Sungani makope a zikalata zonse ndi malisiti okhudzana ndi kusamutsa ndalama. Zolemba izi zitha kufunidwa pazolinga zilizonse zamtsogolo kapena mafunso.

Njira zosinthira ndalama kuchokera pa foni yam'manja kupita pa ina ndi pulani

Kusamutsa moyenera kuchokera pa foni imodzi kupita pa ina ndi pulani ndi njira yabwino yogawana ngongole pakati pa akaunti. Tsatirani izi kuti musamutse ndalama mwachangu komanso mosavuta:

1. Yang'anani ndalama zanu:

• Lowetsani menyu kuchokera pafoni yanu yam'manja ndi kusankha "Balance" njira
• Onetsetsani kuti muli ndi ndalama zokwanira kuti musamutsire

2. Pezani kusamutsa menyu:

• Pitani ku menyu yayikulu ndikuyang'ana njira ya "Transfers".
• Sankhani njira ya "Transfer balance" kapena zofanana
• Lowetsani nambala yafoni yomwe mukufuna kusamutsira ndalamazo

3. Tsimikizirani ndi kumaliza kusamutsa:

• Lowetsani ndalama zomwe mukufuna kusamutsa
• Tsimikizirani kuti zosintha ndi zolondola
• Dinani "Kuvomereza" kapena "Tsimikizani" kuti mumalize kusamutsa

Kumbukirani kuti mapulani ena atha kukhala ndi zoletsa kapena ndalama zowonjezera mukasamutsa ndalama. Ndikofunikira kuti muwerenge zomwe wopereka chithandizo akukumana nazo kuti muwonetsetse kuti mumadziwa bwino malamulo awo osinthira ndalama.

Mapulogalamu ndi njira zomwe zilipo zoyendetsera kusamutsa ndalama

Pali angapo ntchito ndi njira zilipo kuti angakuthandizeni kuchita bwino kutengerapo mwamsanga ndi bwinobwino. Nazi zina zomwe mungachite:

1. Mapulogalamu Akubanki Pafoni: Mabanki ambiri ali ndi pulogalamu yawo yamabanki yam'manja, komwe mutha kusamutsa ndalama zanu mosavuta komanso mosavuta. Mapulogalamuwa amakulolani kusamutsidwa pakati pa maakaunti anu, kusamutsa kwa anthu ena mkati mwa banki yomweyi komanso kusamutsira maakaunti kumabanki ena. Kuphatikiza apo, nthawi zambiri amapereka zina zowonjezera zachitetezo, monga kusankha kwa kutsimikizika kwa biometric kuti muteteze zomwe mukuchita.

2. Ntchito zolipirira mafoni: Pali ntchito zosiyanasiyana zolipirira mafoni zomwe zimakulolani kusamutsa ndalama kwa anthu ena. Ena odziwika kwambiri ndi PayPal, Venmo, ndi Zelle. Mapulogalamuwa nthawi zambiri amalumikizidwa ndi akaunti yanu yakubanki kapena kirediti kadi, kukulolani kuti musamutse ndalama mwachangu komanso mosavuta. Kuphatikiza apo, ambiri mwa mapulogalamuwa amapereka mwayi wogawana ndalama kapena kupempha ndalama kwa abwenzi, zomwe zimawapangitsa kukhala abwino kugawana ndalama.

3. Kusamutsidwa kwa banki chikhalidwe: Ngati mukufuna njira yowonjezereka, mutha kusankha nthawi zonse kusamutsa banki. Kuti muchite izi, mufunika tsatanetsatane wa banki wa munthu yemwe mukufuna kusamutsa ndalama, monga nambala ya akaunti yawo ndi nambala ya banki yofananira. Kenako muyenera kupita ku banki yanu kapena kugwiritsa ntchito banki yapaintaneti kuti musamutse. Chonde dziwani kuti njirayi ingaphatikizepo ndalama zosinthira, kutengera banki yanu komanso mtundu wa akaunti yomwe muli nayo.

Ubwino ndi kuipa kwa kusamutsa bwino pakati pa mafoni am'manja ndi pulani

Kuthekera kwa kusamutsa bwino pakati pa mafoni am'manja ndi pulani ndi ntchito yomwe imapereka zabwino ndi zovuta zingapo kwa ogwiritsa ntchito. M'munsimu muli mfundo zofunika kukumbukira musanagwiritse ntchito ntchitoyi:

Ubwino:

• Kusavuta: Kusamutsa bwino pakati pa mafoni am'manja ndi pulani ndi njira yachangu komanso yosavuta yothandizira abwenzi kapena abale panthawi yamavuto.
• Kusunga nthawi: M’malo mongowonjezera chingwecho kuchokera kwa munthu wina Mwathupi, kusamutsa bwino kumachitika nthawi yomweyo, kupewa maulendo kapena kudikirira mizere pamalo owonjezera.
• Kusinthasintha kwachuma: Njirayi imalola ogwiritsa ntchito kuwongolera bwino chuma chawo, popeza amatha kusamutsa ndalama zomwe safunikira ku mzere wina womwe umafunikira.

Kuipa:

• Ndalama zowonjezera: Opereka chithandizo ena atha kulipiritsa chindapusa chilichonse chomwe chasamutsa, zomwe zingakhudze bajeti ya ogwiritsa ntchito.
• Zoletsa zoletsa: Makampani amafoni nthawi zambiri amakhazikitsa malire apamwamba komanso ochepera pakusamutsa ndalama, zomwe zingachepetse ndalama zomwe zitha kusamutsidwa nthawi iliyonse.
• Chiwopsezo cha zolakwika: Ngati mzere wolandila walowa molakwika, ndalamazo zitha kusamutsidwa ku munthu wolakwika, zomwe zimabweretsa zovuta komanso kutayika kwa nthawi pakufunsira.

Pomaliza, kusamutsa bwino pakati pa mafoni am'manja ndi pulani ndi njira yabwino komanso yothandiza, koma ndikofunikira kuganizira zabwino ndi zovuta zake musanagwiritse ntchito ntchitoyi. Kuyang'ana zosowa zanu ndi zomwe mumakonda kudzakuthandizani kupanga chisankho mwanzeru pankhani yogwiritsa ntchito izi kapena ayi.

Zofunikira pakusamutsa ndalama pakati pa mafoni am'manja ndi pulani

Kumbukirani mfundo zazikuluzikuluzi mukamasamutsa bwino pakati pa mafoni am'manja ndi pulani yopewera zopinga ndikutsimikizira kuti palibe vuto:

1. Onani kugwirizana kwa mapulani: Musanasamutse moyenera, onetsetsani kuti mafoni onse ali ndi mapulani omwe amalola izi. Makampani ena atha kukhala ndi zoletsa kapena zofunikira, chifukwa chake ndikofunikira kutsimikizira kuti zimagwirizana musanapitirize.

2. Dziwani malire osamutsira: Aliyense wopereka chithandizo cham'manja ali ndi malire pa kuchuluka kwa ndalama zomwe zingasamutsidwe. Dzidziweni nokha ndi zoletsa izi kuti mupewe zodabwitsa zosasangalatsa. Komanso, kumbukirani kuti ogwiritsira ntchito ena atha kulipiritsa ndalama zowonjezera kuti musamutsire ndalama, choncho ndikofunikira kumvetsetsa momwe zinthu zilili komanso ndalama zomwe zimayendera.

3. Tsimikizirani zambiri za wolandira: Onetsetsani kuti mwayika nambala ya foni ya wolandirayo moyenera posamutsa ndalama, chifukwa zolakwika pakulowetsa nambalayo zingapangitse kusamutsa kapena kutumiza ndalama. kwa munthu cholakwika. Yang'ananinso manambala musanatsimikize ntchitoyo kuti mupewe zovuta zosafunikira.

Momwe mungapewere zovuta mukamapanga kusamutsa bwino

Kusunga zinthu zingapo zofunika m'maganizo kungathandize kupeŵa ngozi pamene mukupanga kusamutsa bwino. Choyamba, ndikofunikira kutsimikizira zomwe zachokera komanso komwe mukupita ku akaunti yakubanki. Onetsetsani kuti mwalemba nambala ya akaunti yanu ndi IBAN molondola kuti mupewe zolakwika zodula. Kuphatikiza apo, ndikofunikira kuyang'ana kuti maakaunti onsewo akugwirizana ndi ndalama ndikulola kusamutsidwa komwe mukufuna.

Chachiwiri, musanapange kusamutsa koyenera, ganizirani kukhazikitsa malire apamwamba. Izi zingathandize kupewa ngozi zosafunikira zachuma ndikuwonetsetsa kuti ndalama zomwe zasamutsidwa zikukwaniritsa zosowa zanu kapena zomwe mukuyembekezera. Komanso, kumbukirani kuyang'ana zolipiritsa zina zosinthira, monga chindapusa cha kubanki kapena zosinthira ndalama, kuti mupewe zodabwitsa zilizonse pa statement yanu.

Pomaliza, m'pofunika kuganizira bwino kusamutsa processing nthawi. Musanachite malonda, onetsetsani kuti mukudziwa nthawi yotumiza ndi kulandira banki. Izi ndizofunikira makamaka ngati mukufuna kuti ndalamazo zisamutsidwe nthawi yomweyo kapena ndi tsiku lomaliza. Chonde dziwani kuti mabanki ena atha kutenga nthawi yayitali kuti asamuke kumayiko ena, choncho konzekerani pasadakhale kuti mupewe kuchedwa kapena kubweza mmbuyo kosafunikira.

Kumbukirani kuti kulabadira izi kungathe kuonetsetsa kusamutsa bwino bwino. Tsimikizirani mosamala zambiri za akaunti, tchulani malire osamutsira ngati kuli kofunikira, ndipo dziwani nthawi yokonza kuti mutsimikize kuti kusamutsa ndalama zanu kumalize bwino komanso moyenera.

Malangizo otsimikizira chitetezo posamutsa ndalama pakati pa mafoni am'manja ndi pulani

Kuti mutsimikizire chitetezo posamutsa ndalama pakati pa mafoni am'manja ndi pulani, ndikofunikira kutsatira malingaliro ena. Izi zidzaonetsetsa kuti kusamutsa kwanu kumayenda bwino komanso motetezeka.

1. Gwiritsani ntchito mapulogalamu kapena ntchito zodalirika: Onetsetsani kuti mumagwiritsa ntchito mapulogalamu kapena ntchito zomwe zimadziwika ndi kuthandizidwa ndi opereka chithandizo cham'manja. Mwanjira iyi, mutha kudalira chitetezo cha zomwe mwachita.

2. Tsimikizirani kuti wolandira ndi ndani: Musanasamutsire ndalama, onetsetsani kuti nambala yafoni ya wolandirayo ndi yolondola. Njira imodzi yochitira izi ndikupempha chitsimikiziro cha nambalayo kudzera pa foni yam'mbuyomu kapena meseji.

3. Sungani zida zanu zaposachedwa: Onetsetsani kuti mumasunga zida zanu zam'manja ndi kusamutsa mapulogalamu kusinthidwa bwino. Zosintha nthawi zambiri zimakhala ndi zosintha zachitetezo zomwe zingakutetezeni ku zovuta zomwe zingachitike.

Q&A

Funso: Kodi ndizotheka kusamutsa ndalama kuchokera pa foni yam'manja ndi plan kwa wina?
Yankho: Inde, ndizotheka kusamutsa ndalama kuchokera ku foni imodzi yokhala ndi pulani kupita ku ina bola ngati zida zonse zili za kampani imodzi yamafoni ndikukwaniritsa zofunikira zina.

Funso: Ndi zofunika ziti zomwe ziyenera kukwaniritsidwa kuti musamutsire ndalama pakati pa mafoni am'manja ndi pulani?
Yankho: Kusamutsa ndalama pakati pa mafoni am'manja ndi pulani, wotumiza ndi wolandila ayenera kukhala ndi mapangano ogwira ntchito ndi woyendetsa foni yemweyo. Kuphatikiza apo, ena ogwira ntchito atha kuyika zoletsa zina, monga nthawi yocheperako kuyambira pakuyambitsa dongosolo kapena kusamutsa malire patsiku.

Funso: Ndingasamutsire bwanji ndalama kuchokera pa foni yam'manja kupita ku ina?
Yankho: Njira zenizeni zosinthira ndalama zingasiyane pakati pa ogwiritsa ntchito, koma nthawi zambiri zimaphatikizapo kupeza pulogalamu ya mafoni kapena tsamba lawebusayiti ndikutsatira njira zomwe zasonyezedwa kuti "recharge" kapena "balance transfer." Nthawi zina, kusamutsa kungathenso kuchitidwa potumiza meseji ndi malamulo enieni.

Funso: Zimatenga nthawi yayitali bwanji kuti mumalize kusamutsa ndalama pakati pa mafoni am'manja ndi pulani?
Yankho: Nthawi yofunikira kuti mumalize kusamutsa ndalama zingadalire wogwiritsa ntchitoyo komanso nsanja yomwe imagwiritsidwa ntchito pomaliza ntchitoyo. Nthawi zambiri, kusamutsa kumayenera kuchitika nthawi yomweyo, ngakhale kuti nthawi zina zimatha kutenga mphindi zochepa kuti ndalamazo ziwonekere pa chipangizocho.

Funso: Kodi pali mtengo wowonjezera wosinthira ndalama pakati pa mafoni am'manja ndi pulani?
Yankho: Ogwiritsa ntchito ena atha kuyika chindapusa kapena ntchito yosinthira ndalama pakati pa mafoni am'manja ndi pulani. Zolipiritsazi zitha kusiyanasiyana kutengera kampani komanso mtundu wa mapulani omwe apanga. Ndikofunikira kufunsa woyendetsa za mitengo yomwe ingatheke musanapange kusamutsa.

Funso: Kodi kusamutsa kungasamutsidwe pakati pa mafoni am'manja ndi mapulani ochokera kwa ogwiritsa ntchito osiyanasiyana?
Yankho: Ayi, nthawi zambiri simungathe kusamutsa ndalama pakati pa mafoni am'manja ndi mapulani ochokera kwa ogwiritsa ntchito osiyanasiyana. Kusamutsa ndalama kumangogwiritsidwa ntchito pazida zomwe zili mukampani imodzi yamafoni. Wogwiritsa ntchito aliyense akhoza kukhala ndi mfundo zake ndi ntchito zake zosinthira mabanki, chifukwa chake ndikofunikira kutsimikizira izi ndi wogwiritsa ntchitoyo.

Funso: Kodi ndizotheka kubweza ndalama zomwe zasamutsidwa ngati mwalakwitsa kapena mukunong'oneza bondo?
Yankho: Nthawi zambiri, kusamutsa ndalama kukakhala kochitika, sikutheka kubweza kapena kubwezeretsanso ndalama zomwe zasamutsidwa. Chifukwa chake, ndikofunikira kutsimikizira mosamala zakusamutsa musanatsimikizire kuti mupewe zolakwika kapena zonong'oneza bondo. Ngati mukukayikira, ndikofunikira kulumikizana ndi kasitomala wa opareshoni yam'manja kuti mupeze mayankho omwe angathe.

Kutha

Pomaliza, kusamutsa ndalama kuchokera pa foni yam'manja ndi pulani kupita ku ina ndizotheka chifukwa cha zosankha ndi ntchito zosiyanasiyana zoperekedwa ndi makampani amafoni. Kupyolera mu njira monga kusamutsa kubanki, ntchito zapadera kapena ntchito zowonjezera, ogwiritsa ntchito amatha kugawana ndalama zawo bwino ndi otetezeka.

Ndikofunikira kudziwa kuti kampani iliyonse yamafoni ili ndi mfundo zake ndi zikhalidwe zake zosinthira ndalama, chifukwa chake ndikofunikira kudziwitsidwa molondola ndikutsata njira zomwe wopereka akuwonetsa. Kuonjezera apo, m'pofunika kuganizira kuti ntchito zina zingakhale ndi ndalama zowonjezera kapena zoletsedwa, choncho ndi bwino kukaonana ndi kampani musanayambe kusamutsa.

Mwachidule, kusamutsa ndalama kuchokera ku pulani ya foni yam'manja kupita ku ina kumafuna kumvetsetsa kokwanira za njira zomwe zilipo komanso mfundo zamakampani amafoni. Ndi chidziwitso cholondola komanso kusamala koyenera, ogwiritsa ntchito amatha kusamutsa bwino, potero amathandizira kulumikizana komanso kugwiritsa ntchito bwino mafoni awo.