IBAN - ndichiyani? Kodi IBAN nambala ya banki?

Ngati inu kamodzi mu moyo wanga tinawasamutsira ndalama ku Ulaya, mfundo «IBAN malamulo" ndi bwino kwa inu. Itanani m'pofunika kuti kalembera wa kulanda sender lapansi. Kupeza IBAN chiwerengero, mwadza kuno ku bungwe lililonse chuma ndi kutsegula akaunti panopa. Ogwira ntchito ena mabungwe a zachuma angakulangizeni kwa sender a OFULUMIRA code, mungathe kupeza yomasulira. Ndiye chifukwa chake pali kufunika mu IBAN? Ndi chiyani icho? Ndipo n'chifukwa chiyani palibe ku mabanki onse?

mfundo zofunika

Tapeza kuti kukhazikitsa kulanda mayiko a ndalama chofunika IBAN. Kodi izo - tiyeni tifufuze. Ndondomekozi ndi chiwerengero mayiko wa munthu kasitomala chifukwa panopa. jambulani wake, malinga ndi mfundo lonse, kupatsa manambala mlandu mayiko EU ndi ena limati zina.

Popeza 2007, malamulo unali wapadera dzina boma phindu la nkhani kudzera amene ntchito ya zimagwiridwa pa kulanda ndalama kwa makasitomala banki mu dera la malo zachuma European Union, mu ndalama iliyonse. Pa nthawi, ntchito, ndi mayiko ena. Tsopano chiwerengero cha limanena kuti ntchito malamulo nkulu 62. Koma mu Russia nkhani imeneyi muyezo kulibe mu dongosolo banki kotero mabanki ndi anakana extradite iye.

Nzika Russian chifukwa chiwerengero IBAN ukafunidwe kwa kukhazikitsa kutengerapo kumayiko EU ndi kulanda pa nkhani panopa payee lapansi. Nkhani code imatiuza wolandira yekha, popeza anafunsa za izo pa gombe lake.

Popeza 2007, mabanki ndi ufulu kugwira ntchito ndi kusamutsa ndalama ngati manambala nkhani simuli IBAN mtundu. Koma lamulo limeneli likukhudza okha milandu kumene kumasulira zichitike ndalama zakunja, ndi kokha mokomera anthu anali ndi gombe la EU ndi EEA mayiko. Choncho, potumiza ndalama, mwachitsanzo, kwa France popanda IBAN-code, sender apeza iwo kumbuyo chifukwa cha kulephera kwa banki. Ndalama kumbuyo si zonse, monga banki adzasunga kuchuluka ofanana ndi kubweranso kwa ntchito.

Kapangidwe ka code

Ena zamalankhulidwe cholinga adzasala chilembo chilichonse ndi chiwerengero mu IBAN. Kodi izi zikutanthauza ndi mwatsatanetsatane:

• zilembo ziwiri zoyambirira zili ndi mfundo za dziko limene mapindu banki;
• yotsatira manambala awiri amasonyeza zokhudza nambala wapadera IBAN, amene analandira mwa mawerengedwe;
• Zotsatirazi manambala awiri kunyamula zokhudza BIC-kachidindo za kukhazikitsidwa banki;
• ndi manambala otsala ndi nkhani makasitomala nambala mwa gombe.

Kodi mufunika IBAN ovomerezeka?

kukhalapo kwake n'kofunika pamene mukupanga malipiro ndi anasamutsidwa mokomera anthu akukhala mu EU ndi EEA mayiko, komanso mayiko ena amene kale ntchito zofanana nkhani muyezo. Ndipo remittances mu Russia muyenera izo apobe.

Kodi kutsatira malamulo posankha ntchito padziko lonse?

Taganizirani pamene bwenzi yachilendo akutumiza kwanu e-nkhani lomwe lili ndi chiwerengero mwambo nkhani ndi IBAN. Pa dongosolo lonse malipiro ayenera bwino IBAN m'munda anafuna kuti nambala ya akaunti phindu. Ndiye malipiro adzakhala mofulumira monga processing chikalata amatenga nthawi yochepa. Dziwani kuti ngati dongosolo malipiro ali wodzazidwa mu makina, izo tikulimbikitsidwa kuti atchule IBAN popanda malo kapena anthu owonjezera.

Ntchito IBAN mabungwe banki la Chitaganya cha Russian

Zosintha mokomera nzika ya la Russia wosapangidwa IBAN. Kuti tichite zimenezi, mwachindunji ndi OFULUMIRA-kachidindo chikukwanira.

Nkhani IBAN ayenera anasonyeza pokhapokha ngati anasamutsidwa kunja kwa munthu afufuze nkhani lotseguka Bank of Russia. Ndipo ankafuna yekha ngati malipiro amapita ku banki, mu dera la EU ndi EEA kapena m'mayiko ena amene ndinayamba kutsatira nkhani imeneyi muyezo.

ndi dzina ntchito kulanda ku EU kuti mabanki Russian Kodi

Takambapo pamwamba kuti ngati ndalama ndi kunditumiza ku EU ndi EEA m'mayiko nkhani Russian, dongosolo malipiro silimanena IBAN. Kodi zikutanthauza chiyani? Choncho ndi sender basi ayenera kusonyeza mu chikalata kulanda sakhala mu EU ndi kupitirira.

Pamene kutumiza ndalama ku Europe ku mabanki Russian ayenera kukhazikitsa dongosolo malipiro a ntchito kunja kubanki. Pankhaniyi, yotsatira payenera kukhala ngati mderali:

• The OFULUMIRA-malamulo a banki kulandira;
• makasitomala a banki chifukwa cha wolandira.

Kodi ndimaona mfundo kwa ntchito m'mayiko ndalama?

1. Kuti mudziwe zambiri za zinthu chofunika, amene zafotokozeredwa zikalata malipiro mu anasamutsidwa lonse ali pa Websites boma mabungwe kubanki.
2. Ngati inu nkhani anatsegula pa bungwe banki la State wina amene ali oyenera kukhazikitsa IBAN Mwachitsanzo, Privatbank, mfundo kachidindo angapezeke mu njira zotsatirazi: kufunsa nthambi banki mwa Internet dongosolo banki, kapena ndi kuitana "otentha mzere" .
3. Mu dongosolo banki pali chinthu monga banki mkhalapakati. Mwina ntchito misonkhano ya mabungwe banki kuti sangathe mwachindunji kupanga wotuluka banki lonse. Mwachitsanzo, Alfa Bank walemba ndi mabungwe atatu ndalama Germany pangano kuti makasitomala ake anali ndi mwayi kusamutsa ndalama za boma. Ndendende mmene angagwirire kulanda mayiko, mudzakhala n'chiyani antchito banki a.

malipiro m'mayiko Sberbank

Mfundo zotsatirazi Payenera kukhala mukupanga malipiro mayiko aliyense wa maiko (kuphatikizapo EU ndi EEA mayiko) kudzera Bank ndalama kuti malipiro:

• dzina la banki kulandira;
• kupeza nthambi kukhalabe nkhani;
• dzina lonse la chofukizira nkhani;
• lake mfundo pasipoti, chiwerengero malata ndi CRR;
• BIC, chifukwa makalata ndi nkhani watsopano wa banki kulandira.

Kungafune zowonjezera, angapezeke pa webusaiti yovomerezeka ya banki. IBAN Sberbank palibe mwachindunji, koma chifukwa cha chikhalidwe chake kulibe panobe. Pakuti anasamutsidwa mayiko ndalama Bank amagwiritsa OFULUMIRA-code, ndipo ayenera kutchedwa sender njira. Mu mayunitsi kuti zili m'madera osiyana, OFULUMIRA-malamulo ndi osiyana komanso. Information oyenerera kwa inu, angapezeke pa webusaiti Bank a.

Pomaliza

Atafotokoza zinthu zonse, zinadziwika kuti zimenezi IBAN gombe, ndipo ntchito yake mu dongosolo kubanki. Chotero umodzi muyezo chifukwa angathe kupereka ngongole processing yotentha ndi EU ndi EEA mabanki ndi kuchepetsa zolakwa pamene kutchula mwatsatanetsatane ndalama potumiza banki akhoza kutsimikizira kulondola ya nambala ya akaunti kuti malipiro.