Kutumira Muverengi: Kubhadhara neMahara Debit Card muThailand
A. Aleksandravicius / Shutterstock.com
Sezvo vazhinji venyu munoziva, unogona kubhadhara neMastercard kana Visa muzvitoro (pamhepo) muThailand. Funga nezvekutenga kwako kwemazuva ese kuTesco kana kuzadza. Vanhu vanokurumidza kufunga nezvekushandisa kadhi rechikwereti kubva kubhangi reNL/BE.
Nguva pfupi yadarika ndakatanga kubhadhara muThailand nekadhi remahara rekubhengi. Chikonzero cheizvi mutengo wakaderera uye kuchengetedzwa kwakawanda pane kubhadhara nekadhi rechikwereti.
Kune akati wandei arikutenderera, akadai seN26, Transferwise uye Revolut. Ndakashandisa ese 3. Aya makadhi akabatanidzwa kune yemahara euro account account. N26 ibhengi chairo uko mari yako yakachengeteka (German deposit guarantee scheme). Revolut uye Transferwise havana rezinesi rekubhanga.
Kuti ubhadhare nekadhi rekubhengi, unofanirwa kunge uine mari yakanaka paakaundi yako. Mukuwedzera, kana iwe uchida kuwedzera mafuta kana kuhaya motokari, imwe mari pamusoro pemari yako yekushandisa, iyo ichachengetwa uye inosunungurwa gare gare mushure mekuwedzera kana kurenda. Ndapota cherechedza kuti kusunungurwa dzimwe nguva kunogona kutora maawa akawanda kana mazuva.
Unogona kuisa mari mukadhi/akaundi yako yemabhangi ese ataurwa kuburikidza nemahara euro kutamiswa kubva kuNL/BE account yako. NeTransferwise unogona zvakare kuisa kuburikidza Ideal (NL chete). NeRevolut unogona kuisa mahara neimwe kadhi rekubhengi (ini ndinoshandisa Transferwise kadhi pane izvi pachangu). Nehurombo, N26 inotsigira chete kutamiswa kwebhangi. Saka ndinovimba muna 2019 ichatsigira SEPA kubhadhara ipapo, ichiita kufambisa mumasekonzi. Mabhangi eNL akadai seING, ABN Amro neBunq anototsigira kubhadhara ipapo.
Mutengo kana uchibhadhara nekadhi rekubhengi nemari yekunze zvinowanzochipa pane nekadhi rechikwereti. Kadhi rechikwereti reNL rine mutero wekuwedzera pakati pe1,1 ne2% pamusoro peyero yeMastercard zuva nezuva.
N26 ndiyo yakachipa isina muripo kana ichienzaniswa nechiyero cheMastercard. Revolut ndiyo inodhura zvakanyanya kuThai baht ine mwero we1% mukati mesvondo uye 3% pakupera kwesvondo zvichienzaniswa nechiyero chenguva chaiyo. Transferwise iri pakati, asi yakachipa pane NL kadhi rechikwereti: 0.5% muripo weThai baht.
Mukuwedzera kune mari, kuchengeteka ndicho chikonzero chekusarudza kadhi yebhengi. Kutanga, haugone kubvisa mari yakawanda kupfuura iri muaccount yekutarisa. Pamusoro pezvo, mabhanga ataurwa anopa app ine chengetedzo maficha anodarika maapplication emabhangi eDutch.
NeN26 unogona kuseta kana kadhi richigona kushandiswa kubhadhara kunze kwenyika, kubhadhara pamhepo, kubvisa kadhi rechikwereti, pamwe nemiganhu yekubvisa kadhi rechikwereti uye kubhadhara. Chandinoita ipapo ndechekuti ndinodzima masettings ese kusvika ndabhadhara kana kubvisa. (PS. yekubvisa mari zvinokurudzirwa kuve neThai bank account, sezvo muThailand kune mutero we200 baht yemakadhi ekunze.)
Transferwise ine marongero akafanana neN26. NeRevolut iwe unogona zvakare kuvhara uye kusunungura kadhi (kumisa muapp). Chimwe chinhu chinobatsira ndechekuti nemapasi ese aya uchagashira chiziviso kubva kuapp pakarepo mushure mekubhadhara nepase.
Mhedziso yangu yekutanga: yekubhadhara muThailand, N26 ndiyo yakachipa uye yakachengeteka pane neDutch kadhi rechikwereti. Kubhadhara neN26 kunotochipa pane kutanga kuendesa mari kuburikidza neTransferwise uye kubhadhara muThai baht, sezvo Transferwise ichichaja imwezve 0.5% yeThai baht, mukuwedzera kumubhadharo wepasi pe2 euros.
Yakatumirwa naEddie
Usanyatsoona dambudziko! Kana uine akaundi yekubhangi kuThaland, unongowana kadhi rekubhengi uye rava neMastercard pairi (Visa iri kugumiswa kubhangi reBangkok) saka sei uchiine kadhi reN26 uye/kana revolut.
Mhinduro pfupi: kubhadhara neN26 debit card kwakachipa pane kubhadhara neThai debit card, kana ukawana muhoro/penjeni yako mumaeuro kwete muThai baht.
Wakambozvibvunza here kuti marii yaunotora kuendesa maeuro kune mabhahts kuaccount yako yeThai?
Muchiitiko chakanakisisa (Transferwise 0.5% markup), mumamiriro ezvinhu akaipa (NL / BE mabhangi 2% + markup achienzaniswa nepakati-mutengo).
Iwe kazhinji hausi kuona mitengo iyi, sezvaunofunga kuti chiyero chinoshandiswa nebhangi ndicho chakanyanya kunaka kwauri. Kunyangwe iyo yakanakisa yekutsinhana mumiririri mumugwagwa muThailand inobhadharisa markup ye0.5-0.6%.
Ingotarisa mutengo wepakati: https://www.wisselkoers.nl/thailand_bath (nhasi 13/12: 37.22 baht yeeuro imwe), uye zvinokumbirwa nemumiriri wekuchinjana Superrich http://superrichchiangmai.com/events.php (nhasi 37 baht kune imwe euro)
Zvakadaro, mumwe mubvunzo zvakare.
Iko hakuna mari kana uchibhadhara neN26 debit kadhi, asi iwe unogara uchichinjana maeuro ako pachiyero cheMastercard (pasina muripo)? Mwero weMastercard hauna kushata kupfuura "yepakati + 0,5%" iyo Transerwise inogona kuendesa maeuro ako kuThai bank account?
Sezvo mutemo, kwete, kunze kwekunge pane kuchinja kukuru kwemutengo muzuva rimwe chete mumamiriro akasiyana.
Zvionere wega, iyo MasterCard rate Calculator https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html?feed-tag=goal-setting&feed-tag=refinancing&cid=ETAC0008 vs mutengo wepakati https://www.wisselkoers.nl/thailand_bath
Wadiwa Eddy, ndatenda netsanangudzo yako. Nekudaro, izvo hazvindishandire nekuti ndine akaundi yeeuro kubhangi reBangkok. Ini ndinoendesa mari kubva kuING account yangu kuenda kueuro account kuBangkok bank. ING inodhura € 6 uye Bangkok bhangi inodhura € 5,37. Chinja kubva kueuro account. kuakaundi yangu yeThai baht kubhangi rimwechete: mahara uye pamwero chaiwo wakaratidzwa painternet banking yangu. Nhasi 14-12 B.36,855
harry,
Ngatitii waendesa €1.000 kuThailand, mari yacho ichange iri €988,63 (ING €6 uye BKKBank €5,37 mutengo uchabviswa). Kushandura kuita THB mahara saka x 36,855 = 36.435,958 THB
Ikozvino kuchinjanisa € 1.000 patransferwise goho THB 36.757,32, paakaundi imwe chete yebhangi muThailand, mutengo wekuchinjana unovimbiswa kwemaawa makumi mapfumbamwe nematanhatu pa96.
Musiyano mukuchinjisa kamwe-kamwe kwe €1.000 = THB 321,362 = €9,75 mune iyi kesi kune yako kukanganisa.
Harry, ndinofungidzira kuti chiyero chebhangi reBangkok ndechekuchinjana maeuro ako ipapo neThai baht.
Ngatiti wakatamisa zana remaeuro kubva kuING kuenda kuBB mazuva mashoma apfuura uye nhasi rasvika kuBB uye worichinjanisa kuenda kuThai baht, wobva wawana iyo 1000 euros (1000-1000-6) * 5,37 = 36,855 baht.
Ngatitii ndakatamisa imwechete 1000 euros kuKasikorn Bank yangu neTransferwise nhasi kuma 10 am, ipapo ndichaigamuchira ichiendeswa kuKKB yangu mumazuva mashoma.
(1000 - 6,97 (0.5% * 1000 + 1,97) - 0 mubhadharo KKB) * 37,22 (yepakati muyero kutenderera 10 am) = 36.960 baht.
Saka inochengetedza anopfuura mazana mashanu baht, inova imwe 500% yakawedzerwa ING neBBK kubva kwauri, pamusoro pe1,4% + 0.5 euros kubva kuTransferwise. Saka zvakazara ING/BBK = 2% yekuwedzera maringe ne2.1% yekuwedzera yekuendesa 0.7 euros nekushandurwa kuita Thai baht. Handifunge kuti BBK inobhadharisa muripo kana uchiendesa kune baht account
Ndakatarisa euro account muThailand ini, ungandiudze zvakanakira zvauri kuona? Nekuti ini ndinofunga wakasungirirwa kubhangi reThai kwaunenge uine iyo account ine chiyero chisingafadzi zvichienzaniswa nereti yemumugwagwa, nekuti haugone kuti mari yako ibhadharwe kunze uko nemari yema euro.
Mashoko akajeka. Tichifunga nezvemikana yeku (kwechinguva) kuvharira kumwe kutengeserana nekadhi, zvakakodzera kufunga nezvekutenga. Nekadhi rekubhengi kubva kubhangi reThai unogona kubhadhara nesaina chete, saka pasina PIN kodhi, asi izvo zvichiri zvinosanganisira njodzi kana warasikirwa.
Ndinoshandisa Black Card kubva kuN26 (debit card) uye yakatondichengetedza mari yakawanda.
Inodhura € 5,90 pamwedzi asi inosanganisira yakazara gore negore inishuwarenzi yekufamba (Allianz).
Uyezve, unogona kubhadhara nekadhi kana kubhadhara pasi rese pasina muripo pamutengo uri nani kupfuura chero hofisi yekutsinhana kana bhangi. Iwe unogona kutumira mari (yemahara) kune mumwe mushandisi weN26 mukati mechipiri (danda), inobatsira zvikuru kana ukasangana nechimwe chinhu chisingatarisirwi.
Iwe uchagamuchira meseji pane yako smartphone mukati mesekondi yega yega yekutengesa.
Zvionere wega paForbes.com - N26
Kwazisai,
Ron
Ndiri kufara nezviitiko zvako zvakanaka neN26. Kana ndisiri kukanganisa, iyo Black account inodhura 9,95 pachinzvimbo che5,90 euros pamwedzi. Ini handisati ndagutsikana kuti mune yangu ini ndichadzosera mari kana ichienzaniswa neakaundi yemahara.
Inishuwarenzi yangu yekuenderera mberi yeFBTO inodhura 6-6 euros kwenguva yakareba kupfuura mwedzi mitanhatu, hafu yenzendo pfupi. Ini handikwanise kuwana mavara madiki einishuwarenzi yeN7 online, chiri zvakare chikonzero chekumirira.
MuThailand haugone kudzivirira 200 baht pakubvisa mari neBlack card. Kunyangwe iyo mari yekuwedzera iri 0% pakubvisa mari kadhi dema, iyo 200 baht yekuwedzera inodhura 1% pamaATM mazhinji (max kubvisa zviuru makumi maviri baht). Mari yekuchinjana yekuwedzera yekubhadhara yakafanana kune ese N20.000 Basic uye N26 Black account: 26%.
Mhinduro yakanaka kune vanhu vasingade / vasingakwanise kuvhura Thai bank account.
Kana ndikaendesa mari neyakanaka kuendesa zvine hungwaru, hapana chainobhadhara uye ipapo ini ndinogona kusarudza iyo nguva yandinoshandura euro kuita baht, izvo zvave kunetsa nekuti zvinongoburitsa zvishoma.
Sekuziva kwangu, mitengo yekushandura kubva kueuro kuenda kubhaht yakachipa pane kuendesa mari kubva kuNetherlands kuenda kuThailand nekuti iwe unowana yakaipisisa mwero wekuchinja.
Parizvino, kushandura €5000 kunodhura €24.88 uye muyero wakavimbiswa ibhaht 37.2069, endesa kuakaundi yako yeThai uye hapana imwe mari yekubhadhara kana kubhadhara kadhi rechikwereti.
Mitengo inokwira nekudzika zuva rega rega, saka nyaya yako inogonawo kuenda neimwe nzira.
Ngatiti iwe wakambotenga mari yeThai nemutengo wakaderera pane wazvino chiyero panguva yekubhadhara. Iwe unorasikirwa ne0.5% Transferwise exchange rate yekuwedzera panguva yekuendesa kubhangi rako reThai account + musiyano wekuchinjana pakati pezuva rekutenga nekushandisa mari yako.
Ndosaka vanhu vanoda kuisa mari vachirairwa kutenga mamwe masheets mwedzi wega wega, zvisinei nemutengo wezuva, kuitira kuti iwe uwedzere kushanduka kwemitengo nekufamba kwenguva. Ndinoita izvi nekubhadhara neN26 pamwero wakaderera uye wakakwira.
Ini ndine zano kana iwe usati wagutsikana uye kana iwe uchigara uchida kuramba uchibhadhara iyo 0.5% yekuwedzera kubva kuTransferwise;).
MuTransferwise unogona kuvhura maakaundi ekubhangi (anonzi chiyero) mumari dzakasiyana, kusanganisira maeuro uye Thai baht. Iwe unoisa mari mubaht account (inonzi shandura) kana uchifunga kuti muyero webaht wakanaka. Panguva iyoyo iwe unobhadhara 0.5% yekuwedzera mari yekutsinhana pasina muripo wakatarwa.
Unogona kubhadhara neTransferwise debit card, pasina imwe mari. Transferwise inotanga kubvisa iyo baht chiyero kana iwe uchibhadhara muThai baht. Kana isina chinhu uye iwe uchida kubhadhara mubaht, usazvinetse, mari inoshandurwa kuita baht chiyero pa0.5% yekuwedzera.
Eddie,
Ndanyatsoverenga account yako. Hazvizoshamisi iwe kuti ndinotarisa zvishoma zvakasiyana. Iwe unofananidza kutenga migove nekutenga THB nekuti mitengo yezvose inochinja. Zvakanaka, ini ndinotenga migove sekudyara, ndine tariro yekuwedzera kwekukosha, kune huzivi shure kwayo uye izvo zvinotora nguva. Saka unotenga mashares sepasuru. Kana mitengo ichidonha panguva ino, tenga mamwe migove (kana zvichibvira), izvi zvinonzi avhareji. Kana mutengo ukawedzera, unogona kuramba uchitenga zvakawanda, nezvimwewo Pakupedzisira, unotarisira kuwana chimwe chinhu kubva pairi. Iyi nzira inogona kutora nguva yakareba sezvaunonzwa kuti ine mutoro.
Iwe unotenga THB kuti urarame pairi, kuita chimwe chinhu nayo. Nehurombo, iyo Baht yave kudhura zvakanyanya mumakore achangopfuura. Kana ndikashaya mari uye ndichifanira kutenga masangweji, hazvina basa kuti mari yekuchinja ndeyei, ndinofanira kuchinja.
Kana ndiine humbozha hwekusatenga pakarepo, ndinogona kumirira mutengo wakanaka. Ehe, mutengo unogona kuvandudza zvakanyanya mushure mekutenga, asi izvo zvakaitwa hazvikanganwike. Unogona kutenga zvakare kana kufunga kuti une mari yakakwana muakaundi yako yeThai uye kumirira imwe iri nani. Saka zvaunoti unoita paN26 kungozvitenga kana mutengo uchidhura, izvo zvinoitawo kuti ive chitandadzo chinodhura. Kunze kwekunge uchifanirwa kutenga nekuti iwe unoda THB.
Nehurombo, ndinofanira kuramba zano rako rekuchengetedza muripo paTransferWise. Zvechokwadi, nebhangi rebhangi risina muganhu ndinogona kuzarura mabhengi emabhangi muEurope, America, England neAustralia (kwete muThailand), saka ndine bhengi chaiyo yebhangi ikoko, yandinogona kushandisa saizvozvo. Vanhu vanogona kuisa mari muakaunti iyoyo, ndinogona kubhadhara nayo, ndinogona kuchinjanisa mari, nezvimwewo, izvo zvisingakwanisi nekadhi rechikwereti.
Zvaunoreva ne "balance" inongova rudzi rwehomwe yemari. Muchiitiko chedu bhegi reTHB. Iwe unofanirwa kuzadza iyo bhegi neTHB iwe pachako (chinja). Nekadhi redhibhiti reTransferWise ndinogona kuzobhadhara muThailand izvo zvinobhadharwa kubva "muhomwe iyo". Kana bhegi risina chinhu uye kuchine maeuro muakaunti yeTransferWise, ndichiri kukwanisa kubhadhara senguva dzose, asi maeuro achatanga kuchinjwa pachiyero chinoshanda panguva iyoyo.
Mari yekuchinjana uye "mubhadharo" wakabatana weTHB i0,5% + €2 kusvika pachiyero che €50.000 XNUMX. Saka kunyangwe ndikaisa THB pa "Balance" yangu ndinobhadhara idzi mitengo, asi ndine Mutengo unogona kuramba uripo. mukutonga nekuti ini ndinogona kusarudza (kazhinji) pandinotenga iyo THB. Kana "Balance" isina chinhu, ndinobhadhara mari yakafanana uye muyero unoshanda panguva iyoyo.
Chokwadi, mushure mekunge ndabhadhara mari yekupa "Balance" yangu neTHB, ndinogona kushandisa kadhi rekubhengi mahara (mushure mezvose, mari yacho yakatoitwa).
Sezvo N26 ichiita zvakafanana nekadhi rechikwereti kuTransferWise uye N26 inotenga mari kubva kuTransferWise (saka inodhura sezvandinoita zvakananga kubva kuTransferWise) uye inofanirwa kuita "purofiti" yekurenda zvivakwa, kubhadhara vashandi, kubhadhara vanogovana etc. Ndinoshamisika kuti sei ivo vakachipa uye vari nani kupfuura TransferWise (apo N26 pakupedzisira inounganidza mari).
Pakupedzisira, ndinofunga kuti zvigadzirwa zvese zviri nani pane kadhi rechikwereti. Zviri kumushandisi izvo zvaanonzwa akasununguka nazvo. Zvigadzirwa hazvisi kure kure maererano nemari. Ini pachangu, ndakave neruzivo rwakanaka neTransferWise uye ndinowana kushandiswa, kwete kwekadhi rechikwereti chete, asi chinhu chose chiri nyore, chakajeka uye chakanyatso kurongeka pamwe chete nedhipatimendi rebasa rakakura. Ini handitombo shandisa kadhi rekubhengi pacharo nekuti ndinobva ndatumira mari kubhangi redu reThai, kubva kwandinotonga account iyi nemakadhi akabatana nezvivakwa.
Hatigone kuita fungidziro, asi ini handisati ndatenga Thai baht nemutengo wakaderera kupfuura nhasi uye ngativimbei kuti mafambiro anoshanduka, asi izvo zviri kunze kweiyo poindi.
Iwe unotaura nezvekurasikirwa ne0.5% asi pandinoendesa mari kubva kubhangi rangu rechiDutch ndinobhadhara mari kubva kubhangi rechiDutch kuenda kubhangi reThai uye muyero wandinowana kubva kubhangi wakaderera pane wandinowana chero nguva. chiyero chinogara chiri nani pane mwero waunowana kubva kubhangi rako.
Akaundi yangu paTransferwise ndeyemahara uye ndizvo zvakaitawo kadhi rekubhengi uye parizvino ndine mari mbiri paakaundi iyoyo: maeuro neThai baht uye kuichinjanisa kuita bhaht kunoda mari, asi kuendesa Thai baht kubhangi rangu reThai hakuna mari.
Zvese mune zvese, ndakagutsikana kwazvo netransferwise, yakajeka, inoshanda application, yandisingakwanise kutaura nezve revolut sezvandaedza uye N26 haidaro, sezvo transferwise inosangana nezvinodiwa kwandiri.
Eddie,
Shoko renyu ndanyatsoverenga. Zvinonakidza uye ndakaona zvigadzirwa zvandisati ndaziva (hausati wanyanya kuchembera kuti udzidze). Iwe unonyora kuti N26 parizvino ndiyo yakachipa imwe nzira yekubhadhara, kunyanya muThailand. Haisi iyo yakachipa chete asiwo yakachengeteka kupfuura EU kadhi rechikwereti, unonyora. Ndinofunga zvakasiyana pamusoro pazvo. Zvimwe uchatora nguva yekuverenga nezvandawana uye undizivise zvirambidzo zvako. Sezvandakataura, handina kumbobvira ndanyanya kuchembera kuti ndidzidze.
Iyo N26 debit kadhi ndeye (parizvino) yemahara ye "Mahara maATM ekubvisa mumaeuro uye kubhadhara kwemahara mune chero mari".
Iyo N26 Black Card inodhura € 9,90 pamwedzi uye inoita zvakafanana neN26 debit kadhi ine yakawedzera "Mahara ekubvisa pasi rose uye Alianz Inishuwarenzi package".
Sekuona kwangu, izvi zvinoreva kuti kadhi remahara paN26 harina kukodzera kubviswa kwemahara pasi rese uye harina inishuwarenzi yekukuvara kwakasiyana-siyana. Ndinofunga kuti izvi zvinopesana nekutaura kwako.
Chisingatarisirwi nevanhu vazhinji ndechekuti hazvina basa kuti ndinofanira kubhadhara kutengeserana, kana kadhi kana sevhisi, nezvimwewo. Pakupedzisira, zvese zvinoenderana nemutengo wekuchinjana uchashandiswa uye mari yakabatana. Ndinogona kuva nekadhi "yemahara", asi kana ndichifanira kubhadhara mutengo wepamusoro weyero yekutsinhana, zvicharamba zvichindidhura zvakanyanya mumaeuro.
Kana tikakwereta kana kubvisa pane imwe nzvimbo, saka ngazvive saizvozvo. Patinosvika kumba mushure memavhiki mashoma ezororo uye togamuchira chirevo mushure menguva yakati, isu hatichaziva chaizvo kuti chiyero chaive chii panguva yekubvisa kadhi rechikwereti uye handisi kuona kubva pachiyero chakashandiswa pakutaura kwangu kuti imarii kuchinjana kwangu. bhanga rinobhadhariswa.. Kune akati wandei matambudziko kune avhareji vashanyi vanoenda kuThailand. Chiyero chekuchinjana panguva yezororo, mutengo wemakadhi akasiyana uye mutengo wekubvisa mari paThai ATM. Kutora mari kana cheki newe kunodhura zvishoma, zvakare nekuda kwekuti ini ndinogona kuchinjana navo kana mwero wekutsinhana uchikwira (kwenguva pfupi), asi hazviiti kuti rwendo ruve rwakachengeteka. Muchidimbu, kune zororo rakareruka kuThailand zvakaoma kuona mitengo yacho pachine nguva uye/kana kuita chimwe chinhu pamusoro pazvo.
Iwe zvakare unonyora kuti zvinokurudzirwa kuve neThai bank account. Iyo kite zvakare haishande kune avhareji mufambi weThailand. Izvi zvinoshanda, semuenzaniso, kune vekune dzimwe nyika, vanhu vanogara ikoko uye vanhu vanoshanya ikoko kazhinji. Zvinonakidza kwavari kuongorora zvavanoita zvakanyanya nemitengo, matikiti, mareti, nezvimwe.
Ini pachangu, ndinofunga ndawana zano rakanaka. Ini ndakaroorwa nemuThailand, saka tinogara tichiuya ikoko. Tinewo bank account ikoko. Isu tine zvakare "yemahara" TransferWise isina muganho account ine yakabatana "yemahara" debit kadhi. Isu tinogara tichiisa mari muakaundi iyi (pasina muripo). Ini ndinoramba ndakatarisa mitengo yeThai Baht. Kana ndikaona kuti mwero wekuchinja wakanakira, ndichaendesa mari kuaccount yedu muThailand kuburikidza neTransferWise. Mwero wavanoratidza unovimbiswa kwemaawa makumi mana nemasere, mari yacho inowanzo muakaundi yedu muThailand munguva pfupi yapfuura rimwe zuva gare gare. "Kare" pandakatamisa mari kubva kuEU bank account yangu kuenda kuThailand, ndakaona kuti bhangi reThai raibhadharisa mutengo wakakwirisa (high exchange rate uye mutengo wekuchinjana) kushandura maeuro akagamuchirwa kuita THB. TransferWise ikozvino inoisa THB kubva kubhangi reThai muakaundi yedu yeThai, saka hapana muripo unobhadhariswa. Isu tinobhadhara mari yekadhi rechikwereti mahara mudunhu reBangkok (akaundi iri muBKK). Kunze kwaizvozvo tinobhadhara 48THB yekubhadhara kadhi rechikwereti. Kuendesa mari kune vamwene, semuenzaniso, zvakare mahara. Uye saka ini ndinofunga iyi ndiyo yakanyanya kunaka uye yakachengeteka nzira yekuve nemari muThailand.
NB N26 zvakare inochinjana mari yako kuburikidza neTransferWise.
https://www.consumentenbond.nl/betaalrekening/transferwise-betaalrekening-en-betaalpas
https://www.consumentenbond.nl/betaalrekening/n26-betaalrekening
Wadiwa Harry,
Ndatenda nemhinduro yako. Ngatitaurei muchidimbu nharo dzenyu nedzangu.
Chekutanga, zano rakafanana kwatiri tese:
1) endesa mari kubhengi reThai account neTransferwise.
Iniwo ndinoedza kuita izvi kana mwero wekuchinjana wakanakira, asi kwete kugara uchironga kana iwe uchida mari. Chinangwa cheizvi: kuve nemari yeThai uye kubhadhara mari, nekuti muThailand mari ichiri mambo.
2) Zvakanakisa kubvisa mari muThailand nekadhi rako rekubhangi reThai kana uine.
Mutengo pagore i200 baht uye iwe unowana yakakwira mubereko kupfuura muNetherlands. Kushandiswa kwevaenzi mune mamwe mapurovhinzi ndeye 15-20 baht, saka jee rinoenzaniswa nemazana maviri baht pakubvisa nekupfuura kwekunze, zvakare neN200.
Apo isu takasiyana:
1) yekubhadhara kwaunogona kuzviita muThailand uine kadhi. Kunyanya kana iwe usina mari yakawanda yasara muakaundi yako yebhangi yeThai uye iwe uchida kuichengeta kuti ubhadhare mari.
Kubhadhara nekadhi rako rekubhangi reThai hakusi kwemahara, nekuti wakatobhadhara 0.5% neTransferwise yekutendeuka.
Iine iyo N26 basic account, iyo yekuchaja i0% uye iwe unowana pakati pekuchinjana kwekuchinja, kunyanya kana uchigara kunze kwenyika kwenguva yakareba.
2) nezve mabhenefiti eN26 Nhema kadhi kana NL kadhi rechikwereti, ine inishuwarenzi yakabatana. Ini handisi kuona mabhenefiti eizvi, nekuti ini ndinofunga iwe unobhadhara kune mamiriro asina kuitika kazhinji uye / kana iyo yakaparadzana NL yekufamba inishuwarenzi inodhura zvishoma mumaonero angu.
3) nezve kuchengetedzeka kwekadhi rechikwereti rinopesana nekadhi rechikwereti, ini handisati ndaona nharo dzako, kunze kwekuti iwe unosiyana mumaonero. Nekadhi rechikwereti unogona kuva nezvimwe zvekubhadhara zvausina kudzosera shure, mushure mekumirira uye kunyora kubvunzana nekambani yako yekadhi rechikwereti.
Mune maonero angu, kadhi rechikwereti rakachengeteka, nokuti kukanganisa kunogona kudzivirirwa. Ngatitii mumwe munhu akakopa ruzivo rwekadhi rako rechikwereti kana kuti kadhi rako rabiwa uye achabhadhara (pamhepo). Nekadhi rechikwereti unogona kudzivirira izvi muzvirongwa zveapp. Muapp yako unoseta kadhi rako rekubhadhara kuti OFF. Pakarepo mushure mokunge mubhadharo waitwa kune imwe nzvimbo munyika, iwe uchagamuchira chiziviso chekubhadhara kwakakundikana, kunyange kusati kwaitika kukanganisa. Neruzivo urwu unogona kuita kuti kadhi rako rakakanganiswa rivharwe.
Wadiwa Eddie,
Saka ikozvino mhinduro yangu yekupedzisira ...
Kwaunonyora kuti tinobvumirana, hatichafaniri kukurukura nezvazvo. Ndinoda kutsanangura, nepazvinobvira, pfungwa dzaunosimudza panosiyana maonero edu.
Ndichatanga nepfungwa yako 3, iyo inobatwa nekukurumidza. Handina kutaura nezve musiyano wekuchengetedza pakati pekadhi rechikwereti nekadhi rechikwereti, zvichida ndicho chikonzero nei usina kukwanisa kuwana chero nharo. Kunyangwe iwe zvino wanyora izvozvo nekadhi rechikwereti rinogara uine sarudzo yekudzosera mari inopokana. Mukuwedzera, kadhi rechikwereti rinogona kana kuti ringave risina inishuwarenzi yakakura, iyo inowanzoenderana neruvara uye mutengo wekadhi. Handitendi kuti unobatidza kadhi rechikwereti uye/kana kudzima nekutengeserana kwese, asi munhu wese anoita zvaanoda nazvo. Mhedziso yangu yaive yekuti kubhadhara kuburikidza nekadhi rechikwereti kunowanzo kuchipa pane kushandisa kadhi rechikwereti.
Pfungwa yako 1: Kubhadhara nekadhi rako rekubhangi reThai hakusi kwemahara, nekuti wakatobhadhara 0.5% neTransferwise yekutendeuka.
Iine iyo N26 basic account, iyo yekuchaja i0% uye iwe unowana pakati pekuchinjana kwekuchinja, kunyanya kana uchigara kunze kwenyika kwenguva yakareba.
Ndingangotaura zvinotevera, uri kukanganisa! Waifanirawo kuisa mari pakadhi rako reN26 pairi. Kana ukaisa maeuro muakaundi yako woashandura kuva THB, N26 ichatenga THB nemaeuro ako paTransferWise! Uye saka, seni nevamwe vazhinji, N26 inobhadhara mutengo wekuchinjana (mumashoko ako, mutengo wekuwedzera) uye izvo zvechokwadi 0,5% + € 2 panguva iyo shanduko inoitika. Iwe unofungidzira kuti kushandisa kadhi reN26 mahara uye ichokwadi, iyo TransferWise debit kadhi zvakare mahara, asi mari iri pakadhi yakangodhura kana yakachipa (chero chaunoda kuidaidza).
Pakupedzisira, pfungwa yako yechipiri: Handina kukurukura zviri mukati meN2 dema kadhi, chete nezve musiyano neiyo "yakajairika" N26 kadhi. Musiyano ndewekuti iwe unofanirwa kubhadhara € 26 pamwedzi kune dema kadhi, asi kune rumwe rutivi iwe unogona kubvisa mari pasi rose MAHARA, neN9,90 izvi zvinogoneka chete mahara kana ukabvisa maeuro uye kadhi dema rinosanganisira inishuwarenzi. package neAlianz (sezvakataurwa pane yavo webhusaiti). Pasuru iyi inosanganisira zvinopfuura inishuwarenzi yekufambisa yawakurudzira. Saka uri kuenzanisa maapuro nemaranjisi. Nekuti humbavha, hutsotsi, inishuwarenzi yemotokari, nezvimwe zvinosanganisirwa, pasi rese.
Ipapo iwe uri kutaura nezve FBTO yekufambisa inishuwarenzi, yaunayo iwe pachako. Ndangozvitarisa paGoogle. Kana iwe ukatora iyo yakakosha inishuwarenzi ye € 2,10 uye wowedzera neWorld modules € 0,60 / yakawedzera mari yekurapa € 0,88 / tsaona € 1,00 / kukanzura €3,67 / rwendo rurefu €2,50 + inishuwarenzi mutero €1,56, izvo zvinoguma mune yakazara pa yaiva 12,31 €. Kana ndikatora vanhu 2, mutemo unodhura € 20,75 pamwedzi uye kuvanhu vatatu kana kupfuura (mhuri) inodhura € 3 neFBTO.
Inodhura kupfuura iyo € 9,90 ine N26 dema kadhi + ine dema kadhi kupfuura kungoita rwendo rweinishuwarenzi.
Handikwanise kuita zviri nani. Asi hee, munhu wese anoita zvaanofunga kuti zvakanaka, uye hazvingave zvakanaka dai tese tikaita chinhu chimwe. Chero nzira, sezviri pachena isu tine chimwe chinhu chakafanana uye ndiko kuda kwedu Thailand.
Kwaziwai, Harry.
Wadiwa Harry,
Ad point 1)
Ndapota tipei mufananidzo wakajeka wechokwadi cheN26 uye Transferwise, kuti murege kutsausa vaverengi.
Ini ndakatoyedza zvinotevera chokwadi kwemwedzi mishoma nemaakaundi ambotaurwa:
1) sezvandakamboita nharo, kubhadhara neN26 kune 0% yekuwedzera kana ichienzaniswa nechiyero cheMastercard. (ichienzaniswa neTransferwise 0.5% yekuwedzera mubhadharo uye 0.5% + muripo wakatemwa wekutamisa kunze)
Iyo Mastercard uye kwete Transferwise sezvaunonyora, shandura yako N26 euros kumari yekubhadhara. Kunyange N26 kana Transferwise haina mari kubva pane izvi, ndosaka mutengo wekuwedzera usiri 0.5%. Ndokusaka kubhadhara kweN26 kuchitsigira mari yakawanda kupfuura inopihwa neTransferwise.
Kuedzwa: kana ndakabhadhara neN26, ndinotarisa Mastercard rate calculator, iwe unoisa mari yebhangi ku0% uye mari yacho yakarurama. Kana zvisiri, saka chiyero chezuva nezuva chapfuura chakashandiswa nekuda kwekusiyana kwenguva neMastercard USA.
2) yekuchinjisa mumari yekunze, N26 inoshandisa iyo Transferwise zvivakwa, uye chimiro chemutengo chakafanana neiyo yeTransferwise (kureva 0.5% + yakatarwa muripo).
MuN26 app unogona chete kusarudza kubva kumari gumi nemapfumbamwe, iyo Thai baht haisi pakati pavo. Kana iwe uchida kuendesa izvi, iwe unozoendeswa kune iyo Transferwise webhusaiti ine yako N19 yekupinda. Ndosaka ndisingashandisi N26 kuchinjirwa kuenda kuThai baht
3) kana iwe ukaita shanduko yemari pakati peTransferwise muganhu weakaundi mabharari, HAUfanire kubhadhara iyo yakatarwa, nekuti hausi kuita kuendesa kunze.
Yakaedzwa: saka kana iwe uchibhadhara kubva kuThai baht yako bhati kana euro balance, unobhadhara chete 0.5%. Edza iwe pachako!
Sezvauri kuona, iyo N26's modhi yemari haina kubva pakufambisa kana kubhadhara, asi pane yavo yekunyorera modhi ine inishuwarenzi uye zvimwe zvigadzirwa zvakatotengeswa kuGermany.
ad 2)
Ndapota ndibatsireiwo, munganditumirewo chinongedzo chine tsananguro diki yekudhinda yeN26 Allianz inishuwarenzi. Ini ndinonyatsoziva zvandinowana uye handiwane neFBTO.
Ndakangotarisa mutemo wangu weFBTO, ndinobhadhara 1 euros pamwedzi kumunhu 6,42, kusanganisira World Coverage, mari yekurapa uye kufamba kwenguva refu (zvichienderana nekubhadhara kwegore). Ini handisi kuzobhadhara 3.50 pazvinhu zvandisingaone sezvinobatsira, sekukanzura uye kuba mari.
Wakaiwanepi iyo inshuwarisi yemotokari yekuvhara zvakare? Iwe unonzwisisa kuti hazvitendeseki kana ikaverengerwa mu10 euro package.
Eddie,
Iwe unofanirwa kuve wakatsunga sei kugara uchiedza kuratidza kuti wakarurama nenzira iyi. Ini ndinobva kuchikamu chezvemari pachangu, ndanga ndichishanda neTransferwise kwemakore uye ndiri kujairana neiyo itsva debit card system.
Iwe unoda kujekesa kumunhu wese kuti N26 yakasununguka zvachose, zvakanaka, une nzira yako. Kana pasina mari inopinda musangano zvachose kuti ingobhadhara zvinhu zvazvino, vanokurumidza kubhuroka. Uye izvi panguva iyo zvino zvave zvichiratidzwa kuti hakuna tsika yakakura yekukara kupfuura iripo munyika yezvemari. Iwe unonyora kuti N26 inoita mari yavo nedzimwe nzira, asi nei ivo vachinyatso chengetedza chigadzirwa ichi chavasingawane chero chinhu?
Mukutaura kwangu kwekutanga ndakawedzera zvinongedzo zvinotsanangura zvigadzirwa zveN26 uye Transferwise. PaN26, sangano revatengi rinonyora zvakajeka kuti N26 inoshandura mari kana kungoishandura kuva mari yekunze paTransferwise! Ndichakuwedzera imwe link pano inotaura zvimwe chetezvo.
N26 inotarisira kuyerera kwemari, verenga zvese zvakabhadharwa uye chishandiso chekutengesa chinoverenga network mukati umo iyo Mastercard kadhi inogona kushandiswa, izvo ndizvo chaizvo. Unogona kuchinjana mari mune dzimwe mari paTransferwise. Zvose Transferwise uye Matercard (pamwe chete neN26) masangano ekutengeserana anoita mari kubva pakushandiswa kwemakadhi, pakati pezvimwe zvinhu, saka N26 ichafanira kubhadhara kushandiswa kwezvishandiso zvose, kusanganisira kushandisa Mastercard network uye kuchinjana mari paTransferwise. Izvozvo zvichava pachena kumunhu wose. Unewe chete mahara. Uye ndinoziva zvaunoreva. Nekadhi rechikwereti unofanirwa kubhadhara kadhi uye zvakare kuishandisa, iyo isingabhadharwi nemakadhi akawanda ekubhengi, asi munhu wese anonzwisisa kuti kune mari yemuenzaniso iri pasi pekushandiswa kwemhando idzi dzezvigadzirwa zvekambani iri mubvunzo.
Sezvaunoziva, Mastercard ishiri inodhura. Ukatarisa muyero waunobhadhara neN26 uchishandisa Mastercard's rate calculator, uchaona zvechokwadi kuti haubhadhare chero mutengo neN26, asi panguva ino wakatarisa mitengo inodhura neMastercard's rate Calculator. Semuenzaniso, shandisa app seMari uye enzanisa kuti iwe uzive kuti mitengo iripi.
Nehurombo, zvakare uri kuenzanisa maapuro nemaorenji paunoti: IMastercard uye kwete Transferwise sezvaunonyora, unoshandura N26 euros kumari yekubhadhara wobva wanyora kuti: 2) kuchinjirwa nemari yekunze, N26 inoshandisa iyo Transferwise infrastructure.
Saka…. Kushandura maeuro kumari yekubhadhara uye kuendesa kumari yekunze hakuna kufanana? Muzviitiko zvese izvi ndinofanira kushandura maeuro kune imwe mari uye N26 inongoita izvozvo paTransferwise nekuti ingori yakachipa. Vangadai vakapenga kana vakaita izvozvo neMastercard, iyo inodhura zvakanyanya.
Wobva wanyora kuti: 3) kana iwe ukashandura mari pakati peTransferwise muganhu weakaundi mabharari, HAUfanire kubhadhara iyo yakatarwa, nekuti hausi kuita kuendesa kunze. Uye wobva wanyora kuti: Yakaedzwa: saka kana iwe UBHADHA kubva kune yako Thai baht chiyero kana euro balance, unobhadhara chete 0.5%.
Nyaya imwe chete… kana ndikatsinhana mari “mukati” paTransferwise, semuenzaniso kubva kuakaundi yangu yeeuro kuenda kuaccount yangu yechiRungu kuTransferwise, handifanire kubhadhara mari ye2, asi ndinofanira kubhadhara mari yekuchinjana ye0,5% . Asi kana ndikabhadhara chimwe chinhu kubva pamari yangu yeThai Baht, ndinongofanira kubhadhara 0,5% ??? Saka, semuenzaniso, ini handibhadhare mutengesi, asi ndinobhadhara mukati kana kuti izvozvo zvinofanira kuitwa sei? Kunze kwekuti mari yekuchinjana paTransferwise inosiyana pamari, haisi nguva dzose 0,5% sezvaungaverenge mune yakabatanidzwa link.
Pakupedzisira, nyaya yako nezve inishuwarenzi. Munhu wese anosarudza zvaanoda. Kana iwe usingafungi kuti kudzima kwakakosha uye kana ukasagara mumotokari muThailand uye kana ukasamborwara uye uchida rubatsiro pane izvozvo, saka haufanirwe kuzvipa inshuwarisi kune izvozvo, zviri pachena. Mumwe munhu ane mhuri uye dzimwe nguva anohaya motokari kana chimwe chinhu uye asingadi hake kuchengeta mari pazvimedu zvose, anongobhadhara zvishoma. Handizive kana inishuwarenzi yeAlianz inouya neBlackcard kubva kuN26 yakanaka uye inopa kufukidzwa kwakawanda uye kuti inosangana nezvishuwo zvemunhu wese, izvo ndezvemunhu uye munhu wese anofanira kuzvisarudzira. Ini ndichawedzera chinongedzo kune inishuwarenzi paN26.
Zvekare, nezuro ndakatumira meseji yangu "yekupedzisira" nekuti handina chinangwa chekufurira vanhu mune zvavanosarudza, munhu wese anofanira kuita zvaanonzwa zvakanaka nezvazvo. Zvisinei, kana iwe ukanyora zvinhu zvisiri izvo, ini dzimwe nguva ndine chido chekupindura. Zvino zvauri kuita mukutaura kwako kwekupedzisira sekunge handina ese akateedzana, ndichiri kunzwa kudaidzwa kuti ndipindure. Kubudirira nazvo.
https://www.consumentenbond.nl/betaalrekening/n26-betaalrekening
https://www.spaargids.be/forum/n26-gratis-mastercard-t22920.html
https://transferwise.com/gb/borderless/pricing
https://n26.com/en-eu/black
https://www.fbto.nl/doorlopende-reisverzekering/premie-berekenen/Paginas/afsluiten.aspx#/doorlopende-reis
https://transferwise.com/gb/borderless/?source=publicNavbar
Mukupindura iyo N26 dema kadhi, zvinotevera:
Paive nekusimudzira pakutanga uye waigona kutenga kadhi iri, iro rava kudhura €9.90, ye5,90 €.
Ndanga ndichirishandisa kwekanguva, asi ndiri kuzvipedza, nekuti iko zvino kuti ini ndinoshandisa Transferwise ichi chinhu chinodiwa kwandiri.
Rimwe zano maererano neinishuwarenzi yekufamba.
NeNationale Nederlanden unotora inishuwarenzi yekufamba, kusanganisira mari yekurapa, inishuwarenzi yetsaona uye mukwende unoiswa inishuwarenzi, kweinenge € 5.50 pamwedzi. nguva yakawanda yekufamba mazuva 365.
Ndatenda nezano!
Ndinowanzo famba kunze kweEurope / World uye dzimwe nguva kwenguva yakareba kupfuura 6 mwedzi (NN haina izvi). Kwenyika uye mazuva 180 ndinosvika pa12 euros. Ndinofunga kuti FBTO ndeimwe yevashoma vane nguva refu kupfuura 6 mwedzi uye zvakare yakachipa
Ichangobuda mumusoro.
Kutevera nhaurirano nezve mabhenefiti eN26 Nhema, ini pakupedzisira ndawana mamiriro e2018 eN26 Black Allianz inishuwarenzi (9,90 euros) uye ndikaenzanisa yazvino yeFBTO (6,42 euros mune yangu kesi kune inonyanya kudiwa senge mutengo wekurapa uye kureba. anogara kunze kwenyika).
Izvo zvinomira pachena uye chaiwo showtoppers kwandiri ndezvi:
1) N26: yakawanda 3 mwedzi kunze kwenyika, neFBTO unogona kugara kunze kwenyika kweanopfuura mwedzi mitanhatu
2) N26: mari yakawanda yekurapa kunze kwenyika 150.000 euros, hapana yakanyanya kuFBTO
3) kana iwe uchida kuwana kururamisira paN26, unofanirwa kuenda kudare kuMunich
Iye zvino ndinonzwisisa kuti N26 inowana kupi migero yavo kubva: kuwedzera huwandu hwezvinhu kuti zvive neinishuwarenzi, asiwo kuburitsa mamiriro akakosha;).
N26 Black NL Kukadzi 2018: https://docs.n26.com/legal/06+EU/06+Black/en/03_2black-allianz-insurance-tncs-Sept17-Feb18-nl.pdf
FBTO Doorl rwendo: https://www.fbto.nl/documenten/Voorw_Reis.pdf