Ezinye zezona bhanki zibalaseleyo eKenya I-Equity Bank, IBhanki yaseStandard Chartered, kwaye IBhanki yeSizwe yaseKenya.
IBhanki Enkulu ilawula onke amaziko emali aseKenya. Ngamafutshane, kwiibhanki ezingoovimba ezingama-44 zaseKenya, abantu baseKenya banama-31, kwaye abo bangaphandle babambe ezili-13.
Kukho amaziko emali asekuhlaleni angamashumi amathathu: iibhanki eziphantsi kukarhulumente ezintathu, ibhanki enye yezindlu, kunye neebhanki zorhwebo ezingamashumi amabini anesixhenxe.
EKenya, imali esemthethweni yisheleni yaseKenya (KES). Ishumi le-KES yi-0.07 yeedola zase-US okanye i-euro yi-0.06 ye-euro. Leyo yi-5.82 ye-Indian Rupees okanye phantse i-0.51 yuan yaseTshayina.
Zonke iiwebhusayithi eziqhagamshelwe kweli nqaku zingesiNgesi. Sebenzisa Isiguquleli sikaGoogle okanye naluphi na olunye usetyenziso loguqulelo ukuba uyalufuna.
Ungayikhetha njani ibhanki eKenya
Xa ukhetha ibhanki eKenya, izinto ezininzi kufuneka ziqwalaselwe.
Udumo kunye nokuzinza
Ukukhetha eyona bhanki ibalaseleyo eKenya kuthetha ukufumana enye enegama eliqinileyo kunye nozinzo. Ngale ndlela, unokuthemba ukuba imali yakho isezandleni ezilungileyo.
Iimveliso kunye neenkonzo
Khetha ibhanki ngokusekelwe kwiimfuno ze-akhawunti. Iiakhawunti ezisisiseko ezifana nokugcina imali kunye nokutshekishwa zisemgangathweni, ngelixa iibhanki ezinenkonzo epheleleyo zibonelela ngeendlela eziphambili ezifana namakhadi okuthenga ngetyala, iimali-mboleko kunye notyalo-mali.
Ubungakanani bebhanki
iintlawulo
Uninzi lwebhanki yaseKenya lunikezela ngeenkonzo zabo ngemirhumo efanelekileyo. Imirhumo iyahluka kakhulu ngokuxhomekeke kwibhanki ukuze ukwazi ukuyiphonononga ngokuchanekileyo.
Iindleko zemali
Ukuba ufuna ukukhulisa imali yakho kwi-akhawunti yokonga okanye enye imoto yokonga, ukufuna inzala ephezulu kubalulekile ukuze ukwandise iinzame zakho zokonga. Esinye isicwangciso sokuphumeza oku kukuthelekisa iirhafu ezininzi ezinikezelwa ziibhanki.
Inkonzo eyenzelwe
Xa ukhetha ibhanki, kubalulekile ukuqwalasela inkxaso yabathengi kunye neemfuno zakho zemali. Khangela ibhanki enezixhobo eziluncedo kunye neempawu ezihambelana neemfuno zakho kunye nezinto ozikhethayo.
ukhuseleko
Ukuqwalasela le miba, unokunciphisa ukhetho lwakho kwaye ukhethe ibhanki ehlangabezana neemfuno zakho zemali.
Uluhlu lweebhanki ezilungileyo kakhulu eKenya
Amaziko emali amaninzi eKenya apapasha amaxabiso akhuphisanayo kwiiakhawunti zokonga, idiphozithi efanelekileyo kunye neendlela zokurhoxisa, ukusetyenzwa ngokukhawuleza kwemali mboleko, kunye neentlawulo ezincinci zokuthengiselana.
Nazi ezinye zezona bhanki zibalaseleyo eKenya onokuthi uziqwalasele:
KwiBhanki yeChartered Standard
Iibhanki zamazwe ngamazwe eKenya
Ukubhankisha kwi-Intanethi
Iintlawulo zeBhanki eKenya
Iibhanki zihlawulela iinkonzo ezahlukeneyo. Iindleko zesondlo, iimali ze-ATM, kunye neentlawulo zokurhoxiswa kwe-counter-the-counter ziphakathi kwezona ndleko zixhaphakileyo zebhanki.
Kuya kubakho iindleko ezinkulu ukuba usebenzisa i-ATM yebhanki eyahlukileyo. Ukutsalwa kwemali kwi-ATM yebhanki yakho kudla ngokukubiza nantoni na ukusuka kwi-ksh35 ukuya kwi-ksh50 kwintlawulo.
Ngelixa amanye amaziko emali ebiza iindleko zenyanga, amanye ahlawulela iinkonzo ezohlukeneyo ngokweemfuneko. Kufuneka uqinisekise iifizi kunye neziko lemali elisebenzayo.
Unokuvula iakhawunti yebhanki eKenya phesheya
EKenya, unokubhalisela iakhawunti yebhanki yaseDiaspora. Xa usenza iakhawunti yebhanki yemveli eKenya evela ngaphandle kwelizwe, ubukho bomzimba buhlala bufuneka. Nangona kunjalo, iiakhawunti zebhanki eziphathwayo/zedijithali ezifana ne Equity Diaspora Account kwaye i KCB M-Benki zikhoyo.
Ukuya eKenya
Ukuba undwendwela eKenya, ukufumana eyona ndlela yokuhlawula kunokuba nzima ngenxa yeendlela zayo ezahlukeneyo, inkqubo yebhanki, kunye nezivumelwano zemali. Iintlobo ezininzi zentlawulo, ezifana:
IKenya yamkela i-VISA kunye ne-Mastercard, ngakumbi kwiindawo zabakhenkethi.
Amakhadi ebhanki: Amakhadi okuhlawula adityaniswe yibhanki akuvumela ukuba uthenge izinto kwaye ufumane imali.
Imali: Amatyala eshilling yaseKenya anokunceda ngokuthenga okuncinci, iingcebiso kunye nongxamiseko. Iibhanki kunye nee-bureau zokutshintshiselana ngemali ngaphambi okanye emva kokufika.
Iintlawulo eziphathwayo: Apple Pay, Google Pay, yaye Alipay ziya zidume ngakumbi, kodwa qinisekisa ukuba ziyafikeleleka na eKenya.
Amakhadi okuhamba ahlawulelwe kwangaphambili: Ikhadi laseKenya elinokuphinda lilayisheke lihlawulelwa isheleni yaseKenya ibonelela ngexabiso, ukhuseleko, kunye nokulula.
Ukudluliselwa kwemali yaseKenya phesheya
Iibhanki zesiNtu zaseKenya zinokuhlawulisa imali eninzi ukuba unqwenela ukuthumela imali phesheya okanye usebenzise ikhadi lakho lebhanki phesheya.
Ukuba unqwenela ukuphepha iibhanki, sebenzisa:
Ndingayivula njani iakhawunti yebhanki eKenya
Ukuseka iakhawunti yebhanki eKenya, kufuneka:
Ukukhetha ibhanki.
Ukuvula iakhawunti yebhanki lukhetho lwe-intanethi kunye nomntu.
Kufuneka ufumane onke amaxwebhu afunekayo.
Ngolunye ulwazi:
Yiya e:
Uyivula njani iakhawunti yebhanki eKenya
Ungawufumana njani umatshini wemali eKenya
Thetha naye nabani na okhe wahamba okanye wasebenza eKenya. Uya kufumanisa ukuba abanye abahlobo bakho okanye usapho lwakho luyawazi amasebe ebhanki akufutshane. Buza ngeenxa zonke kwaye ufumane amathuba phakathi kwabafowunelwa bakho. Isixhobo esilula sokwenza oko yiyo nayiphi na imephu yeapp. Apha ngezantsi kukho, umzekelo, ukhangelo lweemephu zikaGoogle "iiATM ezikufutshane neNairobi."
Umfanekiso ongaphandle useKenya—ifoto ngu Terricks uNowa on Unsplash.
Shiya iMpendulo