Uyivula njani iakhawunti yebhanki eSaudi Arabia

Ukuvula iakhawunti yebhanki eSaudi Arabia linyathelo elibalulekileyo kuye nabani na oceba ukuhlala okanye ukusebenza eSaudi Arabia. Ungaqala nge IAl-Ahli Bank kwaye le Al Rajhi Bank.

Ukuba neakhawunti yebhanki kwenza ukuba ukufumana kunye nokugcina umkhondo wemali kufikeleleke ngakumbi. Ikwafuneka nakwizinto zemihla ngemihla ezinjengokwenza irente, ukuhlawulwa, nokuthenga izinto.

I-akhawunti yebhanki igcina imali kwiintlawulo ze-ATM kwaye yenza lula ulawulo lwemali ngokuvumela iintlawulo zemivuzo elula kunye nokumisela ii-debits ezichanekileyo ezifanelekileyo zokuhlawula amatyala.

Uninzi lwewebhusayithi okanye usetyenziso oludityaniswe ngezantsi lungesiNgesi. Sebenzisa Isiguquleli sikaGoogle, Tarjimly, okanye nayiphi na enye inkonzo yoguqulelo ukuba uyayifuna.

Uyivula njani iakhawunti yebhanki eSaudi Arabia

ISaudi Arabia ineebhanki ezingama-24. Ishumi elinesibini kwezi 24 ziibhanki zasekuhlaleni; intsalela ngamasebe eebhanki zamazwe ngamazwe.

The ISaudi Arabia Monetary Authority (SAMA) ilawula lonke ishishini lezemali. Ibhanki ephakathi yaseSaudi Arabia. Ngaloo ndlela, igcina uzinzo lwezinga lotshintshiselwano kunye nokusebenza kakuhle. Ikwakhupha iRial yaseSaudi, imali yelizwe.

Ukuvula iakhawunti yebhanki eSaudi Arabia, kufuneka ulandele la manyathelo:

Khetha ibhanki: Khangela iibhanki ezahlukeneyo kumntu okanye kwi-intanethi ukuze ufumane leyo ifanele iimfuno zakho.

Qokelela amaxwebhu ayimfuneko: Unokufuna incwadana yokundwendwela okanye isazisi esisebenzayo, ubungqina bokuba uhlala kwindawo ohlala kuyo (obufana nekhontrakthi yokurenta okanye ibhili yoncedo), kunye nobungqina bengqesho okanye ukubhalisa esikolweni.

Yenza idinga: Qhagamshelana nebhanki kwaye wenze idinga lokuvula iakhawunti.

Ndwendwela ibhanki ngokobuqu: Yiza namaxwebhu akho kwidinga uze ugcwalise iifomu eziyimfuneko, okanye ungafaka isicelo kwi-intanethi.

Lindela ukuvula iakhawunti: Emva kokuba ibhanki isivumile isicelo sakho, baya kuvula iakhawunti yakho.

Ngaba abantu basemzini bangenza iakhawunti yebhanki eSaudi Arabia

Ukuba ufuna ukwenza iakhawunti yebhanki eSaudi Arabia, kufuneka ube khona ngokobuqu. Oku kungenxa yokuba, phakathi kwezinye izinto, kuya kufuneka ufumane i-visa yakho yokuhlala isitampu kwipaspoti yakho.

Zeziphi iintlobo zeeakhawunti zebhanki eSaudi Arabia

Iakhawunti Yangoku: Iiakhawunti zangoku zikuvumela ukuba ufake kwaye ukhuphe imali, ubhale kwaye ujonge imali, kwaye uhlawule amatyala kwi-Intanethi okanye ngefowuni. Ivumela ii-akhawunti ezidibeneyo.

Idiphozithi kunye neeAkhawunti zoGcino: Iiakhawunti zogcino zikuvumela ukuba wonge imali ngokuhamba kwexesha kwaye ufumane inzuzo kwiidiphozithi zakho, kodwa kunokubakho imida ekutsaleni imali kwaye akukho malungelo e-checkbook.

Iiakhawunti zediphozithi yexesha: Iiakhawunti zediphozithi yexesha zezabo banokonga imali. Banemali ebekiweyo yediphozithi kunye nexesha kwaye bahlawula inzala engaphezulu kune-akhawunti yokonga.

Iiakhawunti zenenekazi: Iibhanki ezininzi zaseSaudi zibonelela ngeeakhawunti zebhanki zabasetyhini kuphela kunye neenkonzo zezimali ezikhethekileyo.

Iiakhawunti zabantwana: Abazali banokuzenzela abantwana babo iiakhawunti. Bafundisa ulutsha ngemali kodwa banciphise iintengiselwano.

Iiakhawunti zotyalo-mali: Iibhanki zaseSaudi zilawula imali ngembuyekezo eqinisekisiweyo kunye nebhalansi encinci kwiiakhawunti zexesha elimiselweyo.

Iiakhawunti zangaphandle: Abafuduki baseSaudi basebenzisa iiakhawunti ezikude nonxweme ukugcina, ukutyala imali, kunye nokulawula imali phesheya. Iibhanki zasekuhlaleni zinonxibelelwano olukude nonxweme. Nangona kunjalo, iHSBC kunye neBhanki yaseRiyad zikhethwa.

IiMfuno zeAkhawunti yeBhanki yaseSaudi Arabia

Iibhanki eSaudi Arabia kufuneka amaxwebhu ezahlukeneyo ukuseka akhawunti. Nangona kunjalo, kuya kufuneka ubonise oku kulandelayo:

1. Ipaspoti yoqobo kunye neekopi.
2. I-iqama yakho yaseSaudi okanye iphepha le-visa.
3. Umqeshi okanye umxhasi we-NOC. Kufuneka ichaze umvuzo wakho waseSaudi ukubonisa idiphozithi eqhelekileyo yebhanki.
4. Ezinye iibhanki zinokufuna isivumelwano sakho sokuqeshisa ukuze ziqinisekise idilesi yakho yokuhlala.
5. Iifoto ezimbini ukuya kwezintandathu zepaspoti kwifomathi echazwe yibhanki.
6. Isicelo seakhawunti yebhanki esayiniweyo.

Yiyiphi imali esetyenziswa yiSaudi Arabia

Iriyeli yaseSaudi yimali. Urhulumente waseSaudi Arabia uyamkela i-riyal njengemali esemthethweni, ngoko unokuyisebenzisa ukuhlawulela iimveliso, iinkonzo, irhafu kunye namatyala.

ISaudi Arabia yamkela kuphela iriyali yaseSaudi njengemali.

Ngaba ndingavula iakhawunti yebhanki kwi-intanethi eSaudi Arabia

Ibhanki ye-Intanethi ifumaneka nangaliphi na ixesha lemini okanye ebusuku nakweyiphi na yeebhanki ezininzi zaseSaudi. Unokufumana malunga nantoni na oyifunayo ebhankini kwi-intanethi, kwaye ezinye zazo zinee-chatbots zokuphendula imibuzo yakho ngexesha lokwenyani.

Ungalifumana njani isebe elikufutshane eSaudi Arabia

Ngethamsanqa, uninzi lweebhanki zaseSaudi Arabia zinenethiwekhi enkulu yamasebe kunye nee-ATM, okwenza kube lula kubathengi ukuba bafikelele kwiimali zabo kwaye balawule iimali zabo.

Ungachwetheza "iibhanki ezikufutshane neJeddah" kwiiMephu zikaGoogle okanye nayiphi na enye imephu yeapp. Apho unokufumana uluhlu lwamasebe afanelekileyo onokuthi uqhagamshelane nawo. Ungakhangela indawo yakho isebe elikufutshane ukuba awukho eSaudi Arabia. Banokukunceda ufumane ibhanki eSaudi Arabia.

Ngaba zonke iibhanki kwiSaudi Islamic

ISaudi Arabia ineyona mali iphezulu yemali yamaSilamsi (86%) yalo naliphi na ilizwe elivumela iibhanki eziqhelekileyo ukuba zisebenze ecaleni kweebhanki zamaSilamsi. Ngenxa yenkxaso karhulumente waseSaudi Arabia, iFitch Ratings iphucule iibhanki ezimbini zamaSilamsi ngoAprili 2023.

Ngaba iibhanki eSaudi zinika inzala

NgoJuni ka-2023, izinga lenzala eSaudi Arabia laliseli-5.75 ekhulwini. Uluhlu lwalusuka kwi-7 ukuya kwi-1 ekhulwini.

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umthombo: I-Expatica

Umfanekiso ongaphandle useSaudi Arabia. Ifoto ngu abdullah ali on Unsplash