Xa sithatha isigqibo sokuvula naluphi na uhlobo lwe-akhawunti eBhankini, kufuneka sibe nenani lamaxwebhu ayimfuneko xa sisenza oku kunye nezinye iintlobo zeenkqubo. Apha sibonisa ukuba zeziphi iimfuno zokuvula iakhawunti eSantander.
Iimfuno zokuvula iAkhawunti eSantander
Ukuba sifuna ukuvula i-akhawunti kwi-Banco Santander de México, kuyimfuneko, njengoko sele sichazile, ukuba sithathele ingqalelo ukuba kukho iiparitha ezithile eziyimfuneko kulolu hlobo lwenkqubo.
IBhanki nganye inezimiselo zayo, nangona kunjalo kule meko siza kugqiba ukuba zeziphi iimfuno zokuvula i-akhawunti eSantander de México, ukuze umfundi acace malunga nenkqubo enjalo.
Iimfuno zokuvula iakhawunti eSantander, xa kufikwa kumntu osemthethweni, zimiselwa ngokohlobo lweakhawunti eza kuvulwa, sizichaza apha ngezantsi ukuze zicace ngakumbi, ezizezi:
Iakhawunti yangoku yaseSantander 123
Ngolu hlobo lweakhawunti yokonga, abaxumi bavumelekile ukuba bazuze iipesenti ezintathu zenzala eqhelekileyo ngonyaka, zonke zihambelana nebhalansi yosuku abanayo kwiakhawunti ngelo xesha. Ukongeza koku, ukufumana okanye ukuvula le akhawunti kuvumela umntu onomdla ukuba afumane inzuzo ebalulekileyo njengesabelo sikaSantander.
Oku ngasentla kuya kuhambelana neendleko zokugcina i-akhawunti, ezi ndleko ziphantsi kakhulu, uya kuhlawula i-euro ezintathu kuphela ngenyanga.
Ngokumalunga nenkqubo kunye neemfuno ezisisiseko zokuvula i-akhawunti exeliweyo, iqela elinomdla kuya kufuneka libonise la maxwebhu alandelayo kwi-arhente echaphazelekayo:
Kufuneka ube mdala ngokusemthethweni.
Kukho imfuno enyanzelekileyo, efana nokuba kufuneka ube namahlakani kwidilesi yakho yeentlawulo ozifumanayo ngeakhawunti yomvuzo. Ngokufanayo, kufuneka ube ubuncinane iintlobo ezintathu zeenkonzo ezahlukeneyo kwi-akhawunti, ezihlawuliswa ubuncinane kanye kwiinyanga ezintathu ezidlulileyo.
Njengenqaku lokugqibela lale akhawunti, kufuneka ube nesixa esikhulu kuneentshukumo zebhanki ezithandathu malunga nokusetyenziswa kwedebhithi okanye ikhadi letyala. La makhadi mabini kufuneka adityaniswe neakhawunti kwaye kufuneka ube ngumnini ofanayo.
I-Zero yokujonga iAkhawunti 1/2/3
Olu lolunye uhlobo lwe-akhawunti ye-Santander de México, equka i-akhawunti yokujonga idijithali ngokupheleleyo, engahlawulwanga ngee-euro. Ikwanayo nenkululeko enkulu yokuhlawula amatyala kwaye inika abasebenzisi izibonelelo ezinje: Zero 1/2/3 ikhadi ledebhithi, lidityaniswa nekhontrakthi yamajelo amaninzi. Ngenxa yoku, kukho inzuzo yokulawula ingeniso kunye neentlawulo ngelona xesha lifanelekileyo kunye nendawo.
Ukuze abo banomdla bafumane le akhawunti, imfuneko yeyokuba kufuneka babe ngaphezulu kweminyaka eyi-18 kwaye bangahlali eSpain. Ngaphandle koku kungasentla, umntu ngamnye onomdla unokuba neeakhawunti ezifikelela ku-Zero 1/2/3, ukuba nje ubunini bukwabelwana ngazo kwenye yezi akhawunti zimbini.
Ngokunjalo, le akhawunti inika iipakethi ezimbini ezineemfuno ezahlukeneyo ukuze abathengi abafuna ukuvula enye babe nokukhetha ukukhetha eyona ifanele iimfuno zabo.
Iimfuno Iphakheji A ifuna:
Naluphi na olu khetho lulandelayo kufuneka lugcinwe kwi-akhawunti exeliweyo:
Kufuneka ube ngowe-payroll efakwe kwi-akhawunti kunye nesixa esincinci se-600 euros ngenyanga.
Fumana intlawulo yezibonelelo zokungaphangeli ngenyanga ngokwesixa see-euro ezingama-600 ubuncinci.
Fumana ipenshoni ubuncinane ye-euro ezingama-300 ngenyanga.
Ukufumana imali engenayo ehambelana nenani le-akhawunti yokuhlawula okanye inzuzo yokungasebenzi, konke oku kuthetha ukuba kuya kuba kwisixa esikhulu kune-600 euro. Ngokunjalo, kuya kufuneka ukuba kubekho irekhodi ubuncinane leenyanga ezintathu, kwaye amangenelo abhaliswe phambi kokuba kucinywe i-akhawunti.
Ngokumalunga nezi mfuno, udluliselo lwangaphakathi okanye iirisithi zemali azibalwa.
Kukwavumelekile ukuba ube nobuncinci be-euro eyi-175 ngenyanga ngenxa yeNtlawulo yoKhuseleko lweNtlalo eZimeleyo (RETA okanye iREA).
Kufuneka ufumane ingeniso ngonyaka ngokumalunga noNcedo loMgaqo-nkqubo oQhelekileyo wezoLimo (PAC) ubuncinci bexabiso le-3000 euros ngonyaka.
Kolu hlobo lwee-akhawunti, ubuncinci bemali yerisithi ezintathu ezihambelana neenyanga ezintathu zokugqibela kufuneka zigcinwe; phambi kokuvalwa kweakhawunti; abakhuphi abohlukeneyo ngeemali ezingaphezu kwe-0 euro, ezingekabuyiswa.
Kwiinyanga ezintathu zokugqibela phambi kokuvalwa kwe-akhawunti, ubuncinci bemali ephindwe kathandathu kufuneka busetyenziswe ngokunxulumene nezibonelelo ezinikezelwe yi-akhawunti, njengale: ikhadi letyala okanye idebhithi enxulumene ngqo neakhawunti ekhankanyiweyo.
Iimfuno Ipakethe B: iimfuno ezifunekayo:
Kwi-akhawunti ekhankanyiweyo kufuneka kuhlale kukho ibhalansi engumndilili ngenyanga kwii-akhawunti zangoku nezokugcina, iimveliso zemali ezicwangcisiweyo, iidiphozithi zexesha elimiselweyo, amanqaku acwangcisiweyo kunye neengxowa-mali zotyalo-mali.
Ngokufanayo, kuya kufuneka ukuba kubekho idiphozithi ebhankini yexabiso elincinci lezabelo ze-1000 zeBanco Santander.
Kufuneka kwakhona ube nesicwangciso somhlalaphantsi kunye ne-inshurensi yokulondoloza kunye nokutyalomali, eya kufakwa ebhankini ubuncinane be-euro ye-60.000.
Ibhanki ethe yahlala kufuneka ibe ne-avareji yemali eseleyo ngenyanga ekufuneka isetyenziselwe izicwangciso zomhlalaphantsi ngamnye, i-inshurensi yotyalo-mali kunye neyokugcina imali, izicwangciso zomhlalaphantsi ezine-inshorensi kunye ne-Unit Linked. Ngokunjalo, isixa siya kufuneka sibe ngaphezulu kwe-20.000 euros.
Iakhawunti yangoku 1/2/3 yobuchwephesha
Olu hlobo lwe-akhawunti ludla ngokufanelekileyo kwiingcali kunye nabasebenzi abazimeleyo nabazimeleyo abafuna ukuba ne-akhawunti egcina ukuba bahlawule iikhomishini kwimisebenzi abaye bayenza; kunjalo, ukuba baqhubeke benandipha izibonelelo ukuba Banco Santander.
Kolu landelelwano lwezimvo, le akhawunti ihlala ilungile kubathengi abenza imisebenzi emininzi yebhanki kwaye abafuni ukuchitha imali eninzi kakhulu kwiikomishini.
Ukuba ne-akhawunti ye-1/2/3 yobungcali kuya kuqinisekisa ukuba akufuneki uhlawule iikomishini malunga nokugcinwa kwenyanga kwe-akhawunti, kunye nengeniso evela kwiitshekhi zelizwe kwii-euro, kunye neekomishini zokudluliselwa okwenziwa ngeSupernet okanye iselula. ebhankini.
Kwelinye icala, inika isixa-mali samawaka angamashumi amahlanu eeuro kumntu ngamnye. Xa ufuna ukuvula olu hlobo lweakhawunti, iindlela ezininzi ezibalulekileyo kufuneka zithathelwe ingqalelo, ezizezi:
Kuya kufuneka ube namangeno kwi-akhawunti ye-1/2/3 yobuchwephesha ubuncinci be-euro eyi-1.800 ngokunxulumene neenyanga ezintathu zokugqibela kwisibhengezo seekota, inokuthi:
Ngokuqokelela kusetyenziswa iitheminali zePOS ezithengiswe nguBanco Santander.
Ngokufumana ukudluliselwa.
Kwakhona ngezaphulelo okanye ulawulo lokuqokelela ngeenjongo zorhwebo, iirisithi, iibhili zokutshintshiselana, ukuqokelelwa kweerisithi zebhanki ezitsalwayo ngokuthe ngqo, phakathi kwezinye ezininzi.
Ukungena kweetshekhi okanye iirisithi zemali ezivela kumsebenzi weshishini.
Uncedo lweCAP
Ukusetyenziswa kweentlawulo ezithunyelwayo ukuze kuhlawulwe imivuzo yabasebenzi. Ngokufanayo, iya kusebenza njengedilesi yokhuseleko loluntu okanye iminikelo ye-inshorensi ehlangeneyo ezizezinye ezizezinye zeNkqubo eKhethekileyo yaBasebenzi abaZiqeshelayo eBanco Santander.
Ngokunjalo, la manyathelo alandelayo anokwenziwa kwiinyanga ezintathu zokugqibela ngaphambi kokuhlawulwa kwekota:
Ubuncinci beentshukumo ezintandathu kunye nawaphi na amakhadi anxulunyaniswa neakhawunti ebizwa ngokuba yi-1/2/3 yobuNgcali kunye nekhadi letyala.
Ukusetyenziswa kwe-POS ethengiswe yi-Banco Santander ukuze kunikwe ingxelo malunga ne-500 ye-euro ubuncinane kwithuba leenyanga ezintathu phambi kokuhlawula ngekota.
Ukusebenzisa iirisithi zebhanki ngexabiso elinokuthi lingabi ngaphantsi kwe-euro eyi-1.500 kwixesha eliphambi kweenyanga ezintathu zokugqibela zekota. Kwakhona banesaphulelo okanye ulawulo lokuqokelela, iintlawulo zangaphambili njengomboneleli wentlawulo oqinisekisayo kunye nezabelo ze-factoring.
Ukuqhuba imisebenzi yorhwebo lwangaphandle, njengomzekelo woku: ukudluliselwa kweekhredithi zorhwebo, ukuxhaswa ngemali kunye nokuthunyelwa kwamanye amazwe kunye nokuthunyelwa kwamanye amazwe, ukuvulwa kweekhredithi ezilula okanye amaxwebhu okungenisa; Iimali ezithunyelwa ngaphandle nezithunyelwa ngaphandle kwamaxwebhu.
Ukujonga i-Akhawunti yoSuku noSuku
Le yenye yeeakhawunti ezinokuvulwa eSantander de México, kwaye uphawu lwayo oluphambili kukuba isebenza ngee-euro, inenkululeko enkulu yokuhlawula amatyala kwaye inika umxhasi ukusetyenziswa kwekhadi lebhanki elihambelana ngqo neakhawunti kunye ikhontrakthi yamajelo amaninzi ukuze bakwazi ukwenza zonke iintlobo zemisebenzi efunwa ngumxhamli ngokweengeniso zabo kunye neentlawulo ngaphandle kokuchaphazela indawo okanye ixesha.
Ukuze uvule le akhawunti ikhankanywe ngasentla, umntu onomdla kufuneka athathele ingqalelo iimfuno ezichazwe ngezantsi:
Kuya kufuneka ube mdala ngokusemthethweni kwaye kufuneka uhlale eSpain.
Amangeno kufuneka atsalwe ngokuthe ngqo kwi-akhawunti: mhlawumbi uhlobo lokuhlawula okanye ukungena ngokuphindaphindiweyo kwinani elincinci le-600 euros ngenyanga.
Izibonelelo ngokubhekiselele kwintswela-ngqesho kwaye isixa saso singekho ngaphantsi kwe-600 euros ngenyanga.
Yiba nomhlalaphantsi woKhuseleko lweNtlalo, ngexabiso elincinci le-300 € / ngenyanga.
Kufuneka kwakhona ube ne-Autonomous Social Security intlawulo (RETA okanye REA) isixa ubuncinane 175 euros ngenyanga.
Ukufumana uncedo oluhambelana noMgaqo-nkqubo wezoLimo oQhelekileyo (CAP) ngexabiso elingadluli kwi-3.000 euros ngonyaka.
Ukuba ingeniso yomxhamli ayilungiswanga, kufuneka ilingane naleyo ifunyenwe nge-akhawunti yomvuzo okanye intlawulo yokungaphangeli. Oku kuthetha ukuba imali kufuneka ibe ngaphezulu kwe-euro ezingama-600 ngenyanga; kwaye kufuneka ifunyanwe kangangexesha elincinane leenyanga ezintathu phambi kokuvalwa kwe-akhawunti.
Ngokunjalo, amaqela anomdla kufuneka athathele ingqalelo ezi mfuno zilandelayo:
Ukusetyenziswa kwamakhadi okuthenga ngetyala okanye okuthenga ngetyala, ekufuneka adityaniswe ngokuthe ngqo kwi-akhawunti kunye nobuncinci bemisebenzi emithandathu, oku kufuneka kube kukuthenga ezivenkileni okanye ukurhoxiswa kwemali kwii-ATM kwiinyanga ezintathu zokugqibela.
Ubuncinane iirisithi ezintathu eziye zahlawulwa ngexesha elinye kwiinyanga ezintathu ezidlulileyo mazitsalwe ngokuthe ngqo kwi-akhawunti ye-Día a Día. Ezi risithi kufuneka zezenkampani ezintathu ezohlukeneyo ngaphandle kokuchaphazela amaxesha okwenziwa kweentlawulo.
IAkhawunti Yangoku Yakudala
Le idla ngokuba yenye yezona akhawunti zilula ezibonelelwa nguBanco Santander, ayihlawulwa kwaye ikhethekile kubantu abangababo, nokuba bangabaxhasi okanye akunjalo, beziko lebhanki. Kuphela uxwebhu lokuzazisa okanye okubizwa ngokuba yi-DNI efunekayo ngenjongo yenkqubo yokuvula, ngaphandle koko akukho mfuneko iya kuba yimfuneko ukuyifumana.
I-akhawunti echaziweyo ivumela ukufikelela kwimali yomthengi yobuqu kwinqanaba lalo naliphi na isebe leBanco Santander. Unako kwakhona iinkonzo domicile ukuba rhoqo, rhoqo okanye iintlawulo ngamaxesha, ukwenza iintlawulo usebenzisa: amakhadi, iitshekhi, ukudluliselwa ebhankini, nokuba zenziwa ngeqonga online; ukudluliselwa, phakathi kwezinye ezininzi.
Kukho iintlawulo ezihlawuliswa i-akhawunti ngenjongo yokuyigcina, ezi ntlawulo zimela i-euro ye-0.65 ngekhomishini, inqaku ngokumalunga nokulawulwa kwe-akhawunti kunye nee-euro ezingamashumi amabini anesine rhoqo kwiinyanga ezintathu kwikhomishini efanayo yokugcina.
Ngokunjalo, le yeyona akhawunti ilula ukuyivula ngenxa yendlela ekulula ngayo kuba ingenazo naziphi na iimfuno.
Ukujonga i-Akhawunti yoSuku ukuya kwii-SME zoSuku
Olu hlobo lwe-akhawunti aluhlawulwa ngee-euro, ngenxa yoku lunceda abathengi bayo ngokumalunga nokufumana inzuzo ehambelana nemisebenzi eyenziwa imihla ngemihla kwaye ehambelana neshishini.
Ngakolunye uhlangothi, i-akhawunti iphinda ibonelele ngeenzuzo ezingenayo iikhomishini, nangona kunjalo umxhasi kufuneka ahambelane neeparitha eziyimfuneko ukuze afumane le nzuzo.
Njengeemfuno zokuvula olu hlobo lwe-akhawunti singakhankanya oku kulandelayo:
I-akhawunti kufuneka ibe nokungeniswa kwenyanga ubuncinane be-9.000 ye-euro ngexesha leenyanga ezintathu zokugqibela, oku kuya kwenziwa kakuhle ngaphambi kwexesha ngalinye lokuhlawula, oku kunokufezekiswa ngokusebenzisa:
Isixa-mali siya kufuneka sihlawulwe kusetyenziswa iitheminali zokuthengisa, eziveliswe yiBanco Santander ngokwayo, nokuba yeyomzimba, yenyani okanye yemali eninzi.
Ngeentlawulo zebhanki.
Iza kunceda ukusetyenziswa kwezaphulelo, iintlawulo ezifunyenweyo ngenxa yezizathu zamashishini, iibhili zokutshintshiselana, iirisithi, iimali ezihlawulwa ngaphambili, ikwasebenza njengeentlawulo ezifunyenwe nge-debit ngqo, iintlawulo zebhanki, inkxaso yemagnethi, ukudluliselwa kwezinto, iintlawulo eziphunyezwe ngeetshekhi. kunye nemali esebenzayo engena kwi-akhawunti ngabarhwebi.
Abasebenzi kufuneka bahlawulwe kusetyenziswa ii-remittances kunye ne-payroll option. Ikwasebenza ukuba nabasebenzi balawule kuKhuseleko lweNtlalo okanye kwezinye iindawo zoluntu, kunye nakwiSikimu esiKhethekileyo sabasebenzi abaziQeshayo.
Kukho enye into enokwenzeka ekwasebenza njengemfuneko kwaye kukwenza iidipozithi ngqo ebhankini.
Iakhawunti yokujonga iNtlawulo esisiseko
Njenge-akhawunti yangaphambili, le ibonakaliswe ngokungahlawuli okanye ukusebenza ngee-euro. Inokufunyanwa okanye kwenziwe ikhontrakthi nguye nawuphi na umxhasi ohlala ngokusemthethweni kwi-European Union. Oku kungasentla kubhekiselele kubantu abahlala kwi-European Union, ngenxa yesizathu sokucela indawo yokukhosela okanye abantu abangekabinayo indawo yokuhlala, kodwa imeko yabo isemthethweni kweli lizwe.
Oku kungasentla kuya kusebenza logama nje umntu engena-akhawunti yebhanki kulo naliphi na iziko lebhanki lenye ibhanki eSpain.
Iimfuno eziyimfuneko zokuvula le akhawunti zinokumiselwa ngolu hlobo lulandelayo:
Kufuneka ube neSazisi sakho seSizwe (i-DNI) kwaye uhambise incwadana yakho yokundwendwela. Kuzo zombini iimeko, uxwebhu kufuneka lusebenze kwaye luhambelane nayo yonke imimiselo eyimfuneko.
Ngokufanayo, umntu onomdla kufuneka abonise ubungqina obuchaza indawo yokuhlala; olo xwebhu alunako ukuba ngaphezu kweenyanga ezintathu. Njengengongoma yokugqibela, kuya kufuneka iimbekiselo ezimbini zobuqu, aba bantu abayi kukwazi ukuhlala kwindawo enye nomntu onomdla.
Iiakhawunti zogcino
Ngendlela efanayo, i-Banco Santander de México inika ithuba lokuvula ii-akhawunti zogcino, nto leyo eyenza kube lula kubathengi bayo ukugcina. Akuyomfuneko ukuvula ngeemali eziphezulu okanye ukuzigcina. Ukongeza, inika inzala emiselweyo ukuze abo babandakanyekayo baqonde amaxabiso koko banokukufumana ngolondolozo kwiakhawunti ekhankanyiweyo.
Ukuvulwa kwe-akhawunti yokulondoloza elula akukho mda malunga nobudala, nangona kunjalo banokuvulwa kumasebe asemthethweni aseBanco Santander.
Ekuphela kwemfuneko efunekayo likhadi lesazisi lalowo unomdla, nangona kunjalo ukuba ngumntwana, incwadi yentsapho okanye isatifiketi sokuzalwa kufuneka sincanyathiselwe kwikopi yesazisi sabazali okanye abagcini basemthethweni bomntwana.
Ngokuphathelele ukutsalwa kwemali, kunokwenziwa ngekhadi lebhanki okanye ngokuthe ngqo kwenye yee-arhente ezinikezelwa yiBanco Santander; kunye neenzuzo zebhanki ephathwayo kunye neye-elektroniki ngaphandle kweendleko ezongezelelweyo.
Iakhawunti yogcino lweakhawunti esisiseko
Ngokufanayo kwiiakhawunti zogcino eziqhelekileyo, le yenzelwe ukunceda ukonga imali kwabo banomdla. Ifumana imali kwi-pesos kwaye akuyimfuneko kwithuba elithile lomzuzu wokuvula.
Ekuphela kweemfuno zezi: ukuba ube ngaphezulu kweminyaka eli-18 ubudala kwaye ubonise i-Identity Card yomntu onomdla, kunye nerisithi apho indawo yokuhlala efanayo iyaxatyiswa.
Amanyathelo okuvula iakhawunti ekwi-intanethi eBanco Santander
Ngokunxulumene neli nyathelo lokuvula i-akhawunti, abantu baqhele ukuya kwikomkhulu lezorhwebo leBhanki. Nangona kunjalo, i-Banco Santander inikezela ngokhetho lokuvula ii-akhawunti kwi-intanethi, okanye yintoni efanayo nge-Intanethi.
Le nkqubo inokwenziwa naphi na, nto leyo eya konga ixesha elixabisekileyo ngokungayi kwi-arhente okanye kwiofisi yorhwebo yeBhanki.
Ukuvula olu hlobo lwe-akhawunti, ezi mfuno zilandelayo kufuneka zithathelwe ingqalelo:
Njengenyathelo lokuqala, ngena kwikhompyuter yakho usebenzisa isikhangeli sewebhu esithandayo, emva koko faka iphepha elisemthethweni leBanco Santander.
Nje ukuba ube kwiphepha lasekhaya, kufuneka uye kwimenyu, ebekwe phezulu kwaye ukhethe inketho ethi "Accounts and Cards". Okulandelayo, uya kubona ithebhu eneenketho ezininzi zeakhawunti ezikhoyo kwaye iBanco Santander ibonelela ngabasebenzisi. Apho siya kukhangela uhlobo lweakhawunti esifuna ukuyivula.
Emva kwenyathelo langaphambili, liya kusibeka kwiphepha elitsha apho kuvela khona ulwazi olupheleleyo malunga neakhawunti ebesiyikhethile ngaphambili, kuquka zonke iimfuno kunye nezibonelelo ezibonelelwayo. Xa siqinisekile nge-akhawunti esiyifunayo, siqhubeka nokucofa kwi-"Hire it", konke oku kuphantsi kwefestile.
Kamva kuya kusithatha kwenye ifestile yokubhalisa, ngeli xesha ezinye iindawo kufuneka zizaliswe ngedatha eceliwe. Okulandelayo, kufuneka umakishe iibhokisi ezichaza ukuba imigaqo-nkqubo yeBanco Santander yamkelwe uze ucinezele u-"Contract".
Ngaba kufuneka ndilinde ukuze ndiqalise ukusebenzisa iakhawunti yam?
Hayi, kuvuleleke kwangoko. Emva kokwenza onke la manyathelo uya kuba neakhawunti yakho esebenzayo kwaye ungaqala ukuyisebenzisa.
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