Ukuvula iakhawunti yebhanki eKenya linyathelo elibalulekileyo kuye nabani na oceba ukuhlala okanye ukusebenza eKenya. Ungaqala nge Equity Bank kwaye KwiBhanki yeChartered Standard.
Ukuba neakhawunti yebhanki kwenza kube lula ukufumana nokugcina umkhondo wemali. 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.
Zonke iiwebhusayithi eziqhagamshelwe kweli nqaku zingesiNgesi. Sebenzisa Isiguquleli sikaGoogle okanye naluphi na olunye usetyenziso loguqulelo ukuba uyalufuna.
Uyivula njani iakhawunti yebhanki eKenya
Ukuvula iakhawunti yebhanki eKenya, kufuneka ukhethe oku kulandelayo:
Ibhanki kunye nohlobo lweakhawunti.
IBhanki Enkulu ilawula onke amaziko emali aseKenya. Ngamafutshane, kwiibhanki ezingoovimba ezingama-44 zaseKenya, abemi baseKenya banama-31, yaye abo bangaphandle babambe ezili-13. Kukho amaziko emali asekuhlaleni angamashumi amathathu: iibhanki eziphantsi kukarhulumente ezintathu, ibhanki enye yokubambisa, kunye neebhanki zorhwebo ezingamashumi amabini anesixhenxe.
Abantu bamanye amazwe abasebenza nabahlala eKenya kufuneka baziqhelanise neenkqubo zebhanki nezemali zelizwe. Ngethamsanqa, ngoku unokwenza iibhanki ezininzi kunye neminye imisebenzi yezemali ekhayeni lakho.
Ukuvula iakhawunti yebhanki eKenya, 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 bangaphandle bangayenza iakhawunti yebhanki eKenya
Abemi bamazwe angaphandle abafuna ukwenza iakhawunti yebhanki eKenya bafunwa yiBhanki Enkulu yaseKenya ukuba babe newonga lokufudukela kwelinye ilizwe okanye umntu otyikitye igunya laseKenya.
Ukuvula iakhawunti yebhanki eKenya kunokwenzeka kubantu bangaphandle kunye namashishini alawulwa ngabantu bangaphandle phantsi kweemeko ezithile.
Zeziphi iintlobo zeeakhawunti zebhanki eKenya
EKenya, kukho iintlobo ezininzi zeeakhawunti zebhanki abantu kunye namashishini abanokukhetha kuzo, kubandakanya:
Iakhawunti Yangoku: le yiakhawunti yebhanki eqhelekileyo ekuvumela ukuba uhlawule kwi-intanethi, ufake imali ngokuthe ngqo, kwaye usebenzise amakhadi ebhanki kunye nekhredithi.
Iakhawunti yokonga: ihlala ihamba nayo kwaye inceda imali yakho eyongezelelweyo ifumane inzala eninzi.
Iakhawunti yangoku: Le mveliso ifanelekile kubathengi bethu beebhanki eziphezulu. Le akhawunti inikezela ngeenkonzo ezilungiselelweyo kwiiShillings zaseKenya (KES) kunye neMali yaNgaphandle (FCY).
Iakhawunti yeMali yaNgaphandle: Ezinye iibhanki zaseKenya zibonelela ngeeakhawunti zemali zangaphandle, ezikuvumela ukuba ubambe kwaye uthengise ngeemali ngaphandle kwesheleni yaseKenya.
Iakhawunti Yangoku yeDiaspora: Ibhanki yaseDiaspora ivumela abantu bangaphandle ukuba bavule iiakhawunti zebhanki kumazwe abo okuzalwa. Iiakhawunti zeDiaspora ziyahluka ngokwebhanki.
IiMfuno zeAkhawunti yeBhanki yaseKenya
Ukuvula iakhawunti yebhanki eKenya, ibhanki kufuneka iqinisekise isazisi sakho.
Kubemi baseKenya, uya kufuna oku kulandelayo:
- Isazisi sesizwe esisebenzayo
- Ukungeniswa kwesicelo esisesikweni
- Ukuqinisekiswa kwedilesi (efana netyala lamva nje elisetyenziswayo okanye uqeshiso)
- Ifoto yakho ngokwesayizi yepasi (mhlawumbi iziphindaphindo).
- Uxwebhu olusebenzayo lokuhlala (i-ID yaseKenya) luyafuneka.
- Inombolo yesazisi ekhutshwe yi-arhente karhulumente waseKenya eqokelela irhafu, iKRA.
- Ingcebiso okanye ireferensi yomlinganiswa ovela kumsebenzi wakho wangoku okanye wangaphambili.
Iiakhawunti zangoku zeDiaspora kwi-KCB zifuna:
- Isazisi saseKenya okanye iPasipoti
- Bekuya kuba ngcono ukuba ubuhlala phesheya kolwandle.
- Isiqinisekiso se-PIN esivela kwi-KRA
- Ukuqinisekiswa kwedilesi kubhalwe phantsi
- Umfanekiso wombala wePaspoti ubungakanani
- Abemi base-US kufuneka basayine ifomu yeFATCA.
Yeyiphi imali esetyenziswa ngabantu baseKenya
Isheleni yaseKenya yimali esemthethweni yelizwe. Ungabhatala nantoni na oyithengayo okanye oyityalayo eKenya usebenzisa iisheleni zaseKenya kuba ziyimali esemthethweni yelizwe kwaye zixhaswa ngokupheleleyo ngurhulumente.
Ngaba ndingavula iakhawunti yebhanki kwi-intanethi eKenya
Ngobuchwephesha be-iBank, iibhanki ezifana ne-KCB zenza ukuvula i-akhawunti yebhanki ye-intanethi kube lula. Kwaye nge-KCB Mobile App, unokulawula iakhawunti yakho yebhanki kwaye ugqibezele imisebenzi yebhanki esemgangathweni ngokuthepha kweminwe yakho.
Ungalifumana njani isebe elikufutshane eKenya
Ngethamsanqa, uninzi lweebhanki zaseKenya zinothungelwano olubanzi lwamasebe kunye nee-ATM, zenza kube lula kubathengi ukuba bafikelele kwiimali zabo kwaye balawule iimali zabo.
Ungachwetheza "iibhanki ezikufuphi neNairobi" kwiiMephu zikaGoogle okanye nayiphi na enye imephu yeapp. Apho unokufumana uluhlu lwamasebe afanelekileyo onokuqhagamshelana nawo. Ungakhangela indawo yakho elona sebe likufutshane ukuba awukho eKenya. Banokukunceda ufumane ibhanki eKenya.
umthombo: UMonito
Umfanekiso ongaphandle useKenya—ifoto ngu Terricks uNowa on Unsplash.
Shiya iMpendulo