IBAN - yintoni na? Loko swi ri IBAN inani le yebhanki?

Ukuba ke kanye ebomini bam ukuba ukutshintshela iimali kumazwe aseYurophu, isigama «IBAN ikhowudi" uqhelene kuwe. Tsalela ke kuyimfuneko ukuba ubhaliso lokutshintshela umthumeli. Ukuze ufumane inombolo IBAN, ngokwaneleyo ukuba beze naliphi na iziko zemali ukuvula i-akhawunti yangoku. Abasebenzi amanye amaziko mali isindululo kumthumeli umgaqo USWIFT, apho unako ukufumana inguqulelo. Ngoko kutheni na kukho imfuneko kwi IBAN? Yintoni na? Kwaye kutheni azifumaneki kuzo zonke iibhanki?

ulwazi olusisiseko

Siye safumanisa ukuba ukuphunyezwa transfer ngamazwe kwemali kufuneka IBAN. Yintoni na - masifumanise. Le khowudi linani ngamazwe ye-akhawunti yangoku client ngamnye. Lakhe ukuzoba phezulu, ngokuhambelana nemigangatho yezizwe ngezizwe, ngokumisela iinombolo akhawunti amazwe EU kunye namanye amazwe.

Ukususela ngo-2007, le khodi isazisi esisodwa umxhamli esemthethweni ye-akhawunti apho imisebenzi lwenziwa kwi ukuthunyelwa kwemali abathengi yebhanki kummandla kule ndawo kwezoqoqosho Union European, kuyo nayiphi na imali. Ekuhambeni kwexesha yasetyenziswa ngayo, kunye namanye amazwe. Ke inani ithi ezisebenzisa ikhowudi lakhula ukuya 62 Kodwa eRashiya ayisekho le akhawunti yesiseko kwindlela yokugcina imali ukuze iibhanki nokunakana extradite kuye.

Kuba abemi Russian akhawunti Inombolo IBAN ezinokuba yimfuneko ukulungiselela ukuphunyezwa utshintshelo amazwe EU kunye nokudlulisela kwi -akhawunti yangoku le njengaBamkeli ngexesha. Ulwazi malunga ikhowudi yazisa kumamkeli esotha, bambuza ngayo kwibhanki yakhe.

Ukususela ngo-2007, iibhanki Unelungelo ukuphumeza umsebenzi ukudlulisela iimali ukuba la amanani akhawunti ayikho format IBAN. Kodwa lo mthetho usebenza kuphela kwiimeko apho nguqulelo kwenziwa yamanye amazwe, kwaye kuphela egameni labantu bakhonza elunxwemeni amazwe EU kunye EEA. Ngako oko, ngokuthumela imali, umzekelo, ukuya France ngaphandle IBAN-ikhowudi, umthumeli liya kubabuyisela ngenxa yokusilela ebhankini. Imali emva ayikho ngokupheleleyo, njengokuba ibhanki iya kuhlala isixa esilingana ekubuyisweni ikhomishini.

Isakhiwo ikhowudi

injongo ethile lwesemantiki uya unobumba ngamnye kunye nenombolo kwi IBAN. Into ethethwa koku sihlolisise:

• oonobumba ezimbini zokuqala eziqulathe ulwazi malunga ilizwe apho ebhankini beneficiary;
• amanani amabini elandelayo ibonisa ulwazi malunga unique number IBAN, efunyanwa ukubala;
• Imivo zimbini zilandelayo athwale ulwazi malunga BIC-ikhowudi ye ezabelwe zebhanki;
• imivo ezisele inombolo-akhawunti yoMthengi ngaphakathi elunxwemeni.

ngaba ufuna Xa ikhowudi IBAN?

phambi kwayo kuyimfuneko xa kusenziwa iintlawulo kunye transfers egameni labantu abahlala kumazwe EU kunye EEA, kwakunye namanye amazwe sele asebenzise i-akhawunti standard efanayo. Kwaye amazwe eRashiya kufuneka kuyo okwangoku.

Indlela yokwenza isicelo ikhowudi xa besenza imisebenzi ngamazwe?

Cinga ngemeko apho iqabane langaphandle ithumela ukuya e-akhawunti yakho, nto leyo eye inombolo akhawunti yakwaNtu IBAN. Xa umyalelo wentlawulo ngamazwe kufuneka ababhetele IBAN endle elungiselelwe inombolo akhawunti beneficiary. Koko intlawulo iya kuba ngokukhawuleza, njengoko processing uxwebhu kuthatha ixesha ngaphantsi. Kubalulekile ukuphawula ukuba umyalelo yentlawulo leyo zizaliswa ngekhompyutha, kucetyiswa ukuba kungafundiswa IBAN ngaphandle izithuba okanye abalinganiswa ezingaphezulu.

Ukusetyenziswa kwamaziko zokubhankisha IBAN of the Russian Federation

Udluliselo bakhetha ngummi Russian Federation wenza ngaphandle IBAN. Ukuze wenze oku, ucacise USWIFT-ikhowudi kwanele.

akhawunti IBAN kufuneka kuboniswe kuphela xa udluliselo zangaphandle kwi -akhawunti ukutshekisha kuvulwa i-Bank of Russia. Kwaye kwakufuneka kuphela xa intlawulo eya ebhankini, kuloo mmandla i-EU kunye EEA okanye amanye amazwe aye nabo baqalisa ukusebenzisa le akhawunti standard.

Yintoni ebonakalisayo ezisetyenziselwa ukutshintshwa ukusuka EU ukuba iibhanki Russian

Siye ukhankanywe apha ngasentla ukuba xa imali ophezulu ukusuka amazwe EU kunye EEA kwiingxelo Russian, umyalelo yentlawulo ayibonisi IBAN. Kuthetha ukuthini? Ngoko ke ukuba umthumeli kufuneka nje ukubonisa kuxwebhu ukuhamiswa akwenzeki ngaphakathi EU kunye nangaphaya.

Xa uthumela imali evela eYurophu ukuya iibhanki Russian kufuneka ukuba ikhuphe umyalelo yentlawulo imisebenzi zebhanki lwangaphandle. Kulo mzekelo, olandelayo kufuneka kubekho uhlobo ulwazi:

• I USWIFT-ikhowudi besive ebhankini efumana;
• akhawunti yebhanki umthengi ngayo kumamkeli.

ngaba Ndizifumana njani iinkcukacha imisebenzi amazwe nemali?

1. Ukuze ufumane inkcazelo malunga izinto ezifunekayo, ezo elikhankanyiweyo amaxwebhu intlawulo udluliselo ngamazwe eziphezu websites ezisemthethweni amaziko zebhanki.
2. Ukuba i-akhawunti wavula kwiziko logcino bomnye uMbuso leyo unelungelo lokuseka i IBAN, umzekelo, Privatbank, ulwazi ikhowudi ingafumaneka kwi ndlela zilandelayo: ngokuqhagamshelana isebe lebhanki ngokusebenzisa inkqubo zebhanki Internet, okanye ngokutsalela "umgca hot" .
3. Kwindlela yokugcina imali kukho into efana kwiibhanki nomlomo. Mhlawumbi usebenzise iinkonzo zamaziko zebhanki ukuba angabi nako ukwenza ngqo imicimbi zebhanki ngamazwe. Umzekelo, Alfa Bank utyikitye namaziko ezintathu zezimali yesivumelwano Germany ukuba abathengi bakhe ithuba lokuba ukutshintshela iimali nguRhulumente. Kanye yokwenza njani transfer ngamazwe, uya bathathe abasebenzi ibhanki yakhe.

Iintlawulo International ne Sberbank

Le ngcaciso ilandelayo kufuneka abe khona ekwenzeni iintlawulo ngamazwe ukususela nawaphi na amazwe (kubandakanywa i-EU kunye EEA amazwe) ngokusebenzisa i-Savings Bank ukuze yentlawulo:

• igama ebhankini efumana;
• ukubeka isebe ukugcina i-akhawunti;
• Igama elipheleleyo lomnini-akhawunti;
• zakhe iinkcukacha yokundwendwela, nebhekile inombolo kunye CRR;
• BIC, akhawunti imibiko kwaye i-akhawunti yangoku yebhanki abafumana.

Angafuna iinkcukacha ezongezelelweyo, lungafumaneka kwi-website esemthethweni ebhankini. IBAN Sberbank akukho alukhankanywanga, kodwa ngenxa yobuchule bendalo ayisekho ntoni okwangoku. Ethunyelwayo ngamazwe Savings Bank usebenzisa i USWIFT-ikhowudi, yaye oko kufuneka ngokuba iindlela umthumeli. Ngeeyunithi ukuba ezikwiingingqi ezahlukeneyo, USWIFT-ikhowudi nalo ezahlukeneyo. Ulwazi efanelekileyo kuwe, zingafumaneka kwi website ye-Bank.

isiphelo

Emva kokuhlolisisa bonke ulwazi, kuye kwacaca ukuba IBAN onjalo ebhankini, yaye umsebenzi wayo kwinkqubo leebhanki. Loo akhawunti eyodwa eqhelekileyo ayikwazi ukwenza iintlawulo yosetyenziso ezenziwe EU kunye EEA iibhanki zidodobalise iimposiso xa ubalula iinkcukacha njengoko imali ukuthumela zebhanki nga ukuqinisekisa ukuchaneka inombolo akhawunti ukwenza intlawulo.