Indlela yokuvula i-akhawunti Sberbank komuntu? Akhawunti for cashless ukukhokhelwa, akhawunti impesheni

Ukuvula i-akhawunti yasebhange - kuba endabeni ebalulekile, okuyinto akakubekezeleli ekubalekeni nokwenza izinqumo eziyiphutha. Ngokukhethekile ikhokhelwa ukuze injongo esiphatha isikhungo sezezimali. Ngokwesibonelo, kungase kube impesheni, amakhadi yokubhalisa, nokunye. D. Ukuze ufunde indlela ukuvula i-akhawunti e-Savings Bank umuntu yangasese futhi ungakwenza ngaphansi kwanoma yiziphi izimo, kuzoxoxwa ngakho kulesi sihloko.

Ngubani ongavula i-Savings Bank ku-akhawunti?

Ngokuvamile ukuvula i-akhawunti ehlotshaniswa isidingo nokuqalisa ezihlukahlukene kwemali. Vula i-akhawunti yakho Savings Bank of the Russian Federation konke bayizakhamuzi Usufike yobudala futhi babe esinikezwe imvume yokuba yisakhamuzi noma ukubhaliswa. Kungaba izinhlangano ngokomzimba zomthetho, kanye kumakhasimende ezinkampani. Ukuze wenze lokhu, badinga ukuza igatsha eliseduze yesikhungo semfundo credit nge passport noma uyisebenzise ukude ngokusebenzisa "Sberbank Online".

Yini enquma kukhethwa uhlelo?

Uma namanje kuphela ukucabanga nendlela ukuvula i-akhawunti e-Savings Bank lomuntu yangasese, qala ngokuchaza ilitshe. Futhi isisekelo yayo sizokwazi ukuba sicabangele ngokuningiliziwe ngezimo kokubhaliswa umkhiqizo ebhange. Futhi, ngaphambi kokuba baqale ukwelashwa ummeleli ebhange kufanele yini le mibuzo elandelayo:

• Ingabe iqhaza umsebenzi akhawunti yakho abanye abantu (isibonelo, uma ngabe ngubani onolwazi ngeke umtjela ukubeka ethile);
• Ingabe uhlela ukulinda kuze kube sekupheleni kwethemu yesivumelwano sakho, noma ufuna ukuthatha isithakazelo ngokufunwa futhi ngaphambi kwesikhathi;
• Ingabe uzimisele ukugcina i-akhawunti yakho ezisalayo engangenwa umlilo noma nifuna ukudubula laba kuye ngenani eligcwele penny.

Ukuze uthole ukwaziswa sendlela sivule i-akhawunti Sberbank komuntu, sizochaza ngezansi.

Ukuze lokho ngezinhloso kungavula akhawunti sabantu ngokomzimba?

Kuye ibhange zohlelo kanye nama-akhawunti ayo injongo ziyatholakala abantu evamile ihlukaniswe izinhlobo ezine eziyinhloko:

• umklamo;
• wamanje;
• ekuqongeleleni noma idiphozi;
• ikhadi.

akhawunti yamanje e Sberbank

I-akhawunti yamanje ngokuvamile inikeza abantu ukuqhubekisela phambili indlela labahlanganyela ngayo zamanje izinhlelo imali ebhange, kanye uma isidingo. Ngokwesibonelo, kuwubufakazi obunamandla ngalesi senzo ukuthola iholo, impesheni noma tetenhlalo. Ukuze ufunde indlela ukuvula i-akhawunti e-Savings Bank umuntu eyimfihlo yokukhokha non-cash, impendulo ngezansi.

akhawunti yamanje futhi ikhadi Sberbank

Yamanje noma "ukusebenza" ngu, ngokuvamile kusetshenziselwa ukufeza imisebenzi edingekayo (yokuthumela noma yokuthola imali) futhi isitoreji ezezimali siqu.

akhawunti yekhadi zihlukaniswe izinhlobo ezimbili:

• lasebhange;
• credit.

Uma nakwazi kanjani ukuvula i-akhawunti Sberbank komuntu impesheni nokuthi uluhlobo luni akhawunti ikhadi ukukhetha, sinake lasebhange. Lokhu kulandisa nje yakhelwe ukwenza ezihlukahlukene izinzuzo, kuhlanganise izimpesheni, amaholo, nezinzuzo zezenhlalo kanye nesondlo. Lapho enza akhawunti debit, uba umnikazi ikhadi plastic. Esikhathini esizayo, kungenzeka ukuba imali engukheshi futhi wenze ukuthenga kuze kube lemali ku-akhawunti yakho.

Credit card futhi inomkhawulo ezithile, futhi ivumela ikhasimende ukuba afeze ukuthengwa kuze kube leyo mali. Kulokhu, ukusetshenziswa credit kusho nawe kufanele ukhokhe inzalo ebhange. Ngakho, ngaphambi kokuba anikezwe isikweletu entsha zingafundwa ne ulindele ukubuyiselwa yona iphelele ezandulele.

Savings noma idiphozi akhawunti

ukunakekelwa okukhethekile Uyakufanelekela, mhlawumbe, imali kanye idiphozi akhawunti. Bayoba ezikufanelayo uma unquma ukuze uthole ulwazi mayelana nendlela sivule i-akhawunti Sberbank lomuntu lwemali angaphandle kanye ngesikhathi esifanayo ulondoloze imali. akhawunti Idiphozithi kukhona ezimbili zama:

• ukonga;
• ukonga.

Okwakushiwo ukuvulwa kwezingaphezu simiswe ngalendlela lelandzelako: wena engxelweni ethile imali futhi alindele isikhathi esithile; esingashintshi kuze kufinyelelwe esikhathini ukugcina imali yakho ebhange kukhona ukunqwabelana isithakazelo ezingaba zisuswe noma ekupheleni kwethemu yesivumelwano, noma ukukwenza njengoba kudingeka, ngokwesibonelo, nyangazonke (wekota).

Indlela yokuvula i-akhawunti Sberbank komuntu?

Ukuvula i-akhawunti Sberbank eRussia Ngalokungaketayeleki kumele usebente kubo abameleli isikhungo credit nge passport futhi esincane ngoba inkokhelo phansi. Ngokwesibonelo, lapho ukhetha uhlelo idiphozi "kulondoloza" ikhasimende yasebhange iyadingeka ukunikela ukubhala isicelo bese uhambisa ubuncane ruble 1000, $ 100 noma € 100.

Nokho, ngaphambi kokuba sivule i-akhawunti e-Savings Bank lomuntu ayimfihlo isithakazelo, kumelwe uhlole ngokucophelela izimo netinhlelo letikhona ebhange. Ngokwesibonelo, umnikelo efanayo "kulondoloza" kuvula lwemali kazwelonke angaphandle isikhathi kusuka enyangeni eyodwa kuya eminyakeni emithathu. It alinikezi ukuhoxiswa esinqunyiwe kanye umthamo wemvula, kodwa kudinga ofeleba nyangazonke kwezinhloso zenzuzo.

Indlela ukuvula i-akhawunti yasebhange ukuze impesheni?

Ngokwesibonelo, lapho isicelo Sberbank unquma ukuvula i-akhawunti ikhadi bese uthola "zakudala" noma "social" ikhadi. Yini edingekayo ukuze abulawe yayo kanye irisidi? Ukuze uthole leli khadi bese uvula i-akhawunti, kudingeka ukuya noma igatsha le-Savings Bank omphakathi, bhala isicelo bese elithumela kubo ipasipoti idatha, ikhodi yabo VAT isitifiketi impesheni. Kulokhu, ibhokisi elifanele kuyadingeka ukuze ufake ulwazi Pension Fund, okuyinto uyala wena impesheni. Kufanele bese uthumela ifomu lesicelo ummeleli ebhange kanye alindele ukucabangela kusuka elilodwa kuya kwamabili zinsuku. Emva kwalesi sikhathi ngeke ukuvula i-akhawunti, futhi ikhadi ikhishwa noma cha.

Endabeni asabele kahle futhi uthole ikhadi uzobona kuphela ukuthola imininingwane edingekayo Savings Bank (p / s MFIs) futhi ziyise Isikhwama sakho somhlalaphansi. Kamuva, ungakwazi kalula ukuthola impesheni ku ATM ibhange eliseduze.

Qaphela: uma igama lakho unquma ukuba ne-akhawunti yakho siqu, ukusebenzisa kuhlelwe udinga ukuba ngokwakhe at ukubhalisa yonke imibhalo. Uma uhlela ukuba wenze i-akhawunti, ezifana ingane yakho noma ezinye esiseduze sikaJesu, umngane, uzakwabo, une umqondo kuqala uthole ukuthi ukuvula i-akhawunti Sberbank umuntu yangasese komunye umuntu. Lokhu kuzoxoxwa ngakho kamuva.

Ingabe zikhona izinzuzo for umhlalaphansi ngesikhathi kuvulwa idiphozi?

Ngaphansi iziqondiso yasebhange samanje umhlalaphansi savers usebenze athile yohlelo lokwethembeka. Ngokwesibonelo, uma uvula idiphozi "Ashona" noma "Gcina" impesheni elinde esiphezulu ovumelekile senzalo.

Ingabe kunzima ukuthulula isifuba akhawunti asebhange buthelela isithakazelo?

Ingabe ufuna ukuvula i-akhawunti Sberbank bese buthelela, isibonelo, imfundo ingane yakho? Khona-ke kubalulekile ukuba sicabangele izinhlelo ukonga, iziphi kabanzi amelwe Savings Bank. Ngokwesibonelo, okukhethayo uwile ngokufunwa idiphozi "On Demand Savings Bank of Russia." Kungenzeka kanjani ukuthi ngibe uyivule?

Vula umnikelo onjalo angaba passport ka lwemali kazwelonke angaphandle ngasiphi yasebhange. Okuhlukile ezifakwa wavula ngo izinhlobo eziyivelakancane lwemali. Ukuvula i-akhawunti kulesi simo kubalulekile ukuze ucacise kusengaphambili uhlu amagatsha ukuthi ahlinzeke insizakalo okufanayo. Ezinye izindaba zika-emabhange Udinga ukudweba up inkontileka nebhange, okuyinto ukhombise lokhu okulandelayo:

• inani nohlobo lwemali ukutshalwa;
• ukutshalwa kwezimali eside;
• usuku lokuphelelwa yisikhathi okuqukethwe;
• namakhadi emali wemisebenzi idiphozi;
• ubuncane umnikelo izinga ngeligalelo ngokheshi;
• PERIODICITY eminikelo ezengeziwe;
• usayizi zinsalela incombustible;
• PERIODICITY yokukhokha nesithakazelo;
• igama eliphelele;
• ikheli kanye nemininingwane yokuxhumana.

Ngaphezu kwalokho, ukuvula i-akhawunti idiphozi ingasebenzisa ATM, terminals kanye nezinye izinsizakalo kusevisi akude. On ukuthi kungenzeka nokuthi ukuvula i-akhawunti Sberbank ngabanye yangasese ukuze elinye igama, uchaze ngezansi.

Ngingaba ukuvula umnikelo egameni yomunye?

Ukuvula i-akhawunti kanye neqhaza igama yomunye uvunyelwe. Ngokwesibonelo, unqume ukuba alethe umnikelo ngumkayo. Kulokhu, ungaya ku-noma igatsha yasebhange, bese bahlelekela inkontileka, ethula i-passport yakhe. kuyodingeka ucabange nangezilaleli ucacise ezilandelayo:

• Igama eliphelele temuntfu wesitsatfu;
• Inombolo kanye nonyaka lokuzalwa;
• khona abantu;
• xhumana ukubhalisa ikheli;
• uhlobo olunikezwa idokhumenti wesithathu, nge imininingwane yayo.

Uma ungazi indlela sivule i-akhawunti Sberbank komuntu ngaphandle sokuba khona kwakhe, thina ngeke kukusize njengoba ufuna ukuqonda lo.

Ngingaba ukuvula i-akhawunti wesithathu, kodwa ngaphandle kokuba khona kwayo?

Ngaphandle khona ephathini umnikelo lwesithathu angavulwa. Lokhu kwenziwa by Isifaniso dlule okufana design. Kuphela ukuthi uma kuvulwa akhawunti wenza unobhala noma accountant ibhizinisi, ngaphezu imibhalo ngenhla kumelwe alethe amandla kwasayinwa lommeli. Ngokwesibonelo, uma wezizwe uhlose ukuvula i-akhawunti e-Savings Bank akakhulumanga, kodwa ngomkhulumeli, kumelwe sihlinzeke ebhange amandla ommeli esisayinwe umphakathi ummeli olungisa izivumelwano noma inxusa.

Yini inani iminikelo ungenza indoda? Umuntu wemvelo ohlala endaweni Russian Federation, unelungelo ukuvula esingenamkhawulo ukuthi imali, uma uthanda.

Indlela yokuvula i-akhawunti ye-currency angaphandle?

Iningi imali kanye akhawunti ukusebenza ngezindlela ezimbili - izimali zakwamanye amazwe futhi ezifuywayo. Ngakho-ke, ngokusobala ukuvulwa kwaleyo akhawunti anjalo anixhunyiwe nanoma ibuphi ubunzima. Ngokwesibonelo, unquma ukuvula idiphozi ngamadola wase-US. Yini okudingeka? Ukuvula i-akhawunti okunjalo udinga ukuxhumana ebhange futhi, ngokuvumelana nomthetho wamanje Russian, khetha idiphozi ezifanele.

Ngokwesibonelo, ukhetha uhlelo nge umnikelo angenamkhawulo "Universal" benethuba imali ebhange ngokwengxenye, umthamo wemvula futhi nyangazonke icala ibhalansi. Ukuvula i-akhawunti enjalo kudingeka usayine inkontileka nebhange futhi wenze ngezindleko zakhe siqu okungenani $ 5. Ngaphezu kwalokhu, ungenza onesimo testamentary noma amandla ommeli elilandelayo yabo isihlobo.

Ngingaba sivule i-akhawunti Sberbank babhekwe njengabezinye izizwe?

Namanje angazi kanjani ukuvula i-akhawunti Sberbank umuntu yangasese, isizwe? Ukuqala, kufanele asondele kunoma yimuphi igatsha ebhange, bhala isicelo bese uthumela lezi zincwadi ezilandelayo:

• iphasiphothi (passport noma enye idokhumenti ukunikeza ilungelo lokuhlala ku Russian Federation);
• kufuduka ikhadi.

Ekubhaleni inothi inkontileka, ungacacisa abantu kanye nemininingwane yabo iphasipoti, okuyinto engekho yakho, noma egameni lakho angasebenzisa umnikelo. Futhi-ke, kudingeka ukukhetha uhlobo lwemali kanye utshale izimali kancane inani kuvunyelwe yesibambiso.