Ungathanda ukukwazi ukurhoxa imali ngaphandle kokuba uphathe ikhadi lakho letyala okanye ledebhithi? Okanye mhlawumbi ufuna ukunqanda umngcipheko wokuphulukana nayo, ukuba ibiwe okanye yenziwe ngemifanekiso? Ukuba kunjalo, uya kuba nomdla ukwazi ukuba kukho indlela yokurhoxisa imali ngefowuni yakho ephathekayo ngaphandle kwekhadi, ngenxa yobuchwepheshe obutsha kunye neenkonzo ezinikezelwa ngezinye iibhanki kunye nezicelo.
Kweli nqaku siza kuchaza ukuba ungayikhupha njani imali ngeselfowuni yakho ngaphandle kwekhadi, zeziphi iinketho onazo, zeziphi iimfuno ozifunayo kunye neziphi iingenelo ezikunika zona. Ke, unokukhupha imali ngokulula, ngokukhawuleza nangokukhuselekileyo, ngaphandle kokuxhomekeka kwikhadi lakho. Qhubeka ufunda kwaye ufumanise ukuba njani!
Zeziphi iinketho onazo zokutsala imali ngeselfowuni yakho ngaphandle kwekhadi?
Ukukhupha imali ngeselfowuni yakho ngaphandle kwekhadi, unokhetho oluninzi, kuxhomekeke kwibhanki okanye kwisicelo osisebenzisayo, njengale:
- Ukukhupha imali ngefowuni yakho usebenzisa i QR ikhowudi okanye ikhowudi yamanani ukuba ibhanki okanye isicelo sikubonelela. Unokwenza le khowudi kwi-app yebhanki okanye kwisicelo, okanye kwiwebhusayithi yebhanki, kwaye ungayiskena okanye uyifake kwi-ATM ukurhoxisa imali. Ezinye iibhanki kunye nezicelo ezinikezela ngale nkonzo yi-BBVA, CaixaBank, Bankia, Sabadell, ING, Twyp, njl.
- Ukukhupha imali ngefowuni yakho usebenzisa i NFC okanye licwecwe ngubani oneselfowuni. Le nkqubo ikuvumela ukuba usondeze ifowuni yakho ephathwayo kufutshane ATM okanye dataphone yevenkile, ngokungathi ikhadi, kwaye ukurhoxisa imali. Ukusebenzisa le nkqubo, kufuneka ube nefowuni yakho ephathwayo ene-NFC isebenze, i-app yebhanki okanye i-aplikeshini efakwe kwaye iqwalaselwe, kunye ne-ATM okanye i-dataphone ngaphandle koqhagamshelwano. Ezinye iibhanki kunye nezicelo ezibonelela ngale nkonzo yiSantander, Bankinter, EVO, Google Pay, Apple Pay, Samsung Pay, njl.
- Ukukhupha imali ngefowuni yakho usebenzisa i i-SMS okanye imeyile ukuba ibhanki okanye isicelo sikuthumelela. Le nkqubo ikuvumela ukuba uthumele i-SMS okanye i-imeyile kwinombolo okanye idilesi enikezwe yibhanki okanye isicelo, kwaye ufumane ikhowudi ongayisebenzisa ukukhupha imali kwi-ATM. Ukusebenzisa le nkqubo, kufuneka ube nefowuni ephathwayo kunye nebhalansi okanye uxhumano lwe-intanethi, i-app yebhanki okanye i-application efakwe kwaye iqwalaselwe, kunye ne-ATM enenkonzo enikwe amandla. Ezinye iibhanki kunye nezicelo ezibonelela ngale nkonzo yi-Bankinter, EVO, Bizum, Verse, njl.
Indlela yokurhoxisa imali usebenzisa ikhowudi ye-QR okanye ikhowudi yamanani?
Ukutsala imali ngefowuni yakho ephathekayo ngaphandle kwekhadi usebenzisa ikhowudi ye-QR okanye ikhowudi yamanani, kufuneka ulandele la manyathelo:
- Vula i-app yebhanki okanye isicelo ofuna ukusisebenzisa kwaye ukhethe ukhetho lokukhupha imali ngefowuni yakho ephathekayo ngaphandle kwekhadi.
- Khetha imali ofuna ukuyirhoxisa kwaye uqinisekise ukusebenza nge-PIN yakho, umnwe wakho okanye ubuso bakho.
- Uya kufumana ikhowudi ye-QR okanye ikhowudi yamanani kwiscreen sakho esiphathwayo, onokuthi usigcine okanye wabelane naye nabani na ofuna.
- Yiya kwi-ATM ekufutshane enenkonzo ekhoyo kwaye iskena ikhowudi ye-QR kunye nomfundi we-ATM okanye ifake ikhowudi yamanani kwikhibhodi ye-ATM.
- Uya kufumana imali kunye nerisithi yokusebenza kwi-ATM.
Uyirhoxisa njani imali ngefowuni yakho usebenzisa i-NFC okanye ungaqhagamshelani?
Ukutsala imali ngefowuni yakho ngaphandle kwekhadi usebenzisa i-NFC okanye ungaqhagamshelani, kufuneka ulandele la manyathelo:
- Vula i-app yebhanki okanye isicelo ofuna ukuyisebenzisa kwaye ukhethe ukhetho lokurhoxisa imali ngeselula yakho ngaphandle kwekhadi.
- Khetha imali ofuna ukuyirhoxisa kwaye uqinisekise ukusebenza nge-PIN yakho, umnwe wakho okanye ubuso bakho.
- Yiya kwi-ATM ekufutshane okanye ivenkile enenkonzo ekhoyo kwaye usondeze ifowuni yakho ephathwayo kufutshane nomfundi ongaqhagamshelwanga we-ATM okanye ifowuni yedatha.
- Uya kufumana imali kunye nerisithi yokusebenza kwi-cashier okanye evenkileni.
Indlela yokurhoxisa imali usebenzisa iSMS okanye i-imeyile?
Ukutsala imali ngefowuni yakho ephathekayo ngaphandle kwekhadi usebenzisa iSMS okanye i-imeyile, kufuneka ulandele la manyathelo:
- Vula i-app yebhanki okanye isicelo ofuna ukuyisebenzisa kwaye ukhethe ukhetho lokurhoxisa imali ngeselula yakho ngaphandle kwekhadi.
- Khetha imali ofuna ukuyirhoxisa kwaye uqinisekise ukusebenza nge-PIN yakho, umnwe wakho okanye ubuso bakho.
- Uya kufumana inombolo yefowuni okanye idilesi ye-imeyile apho kuya kufuneka uthumele i-SMS okanye i-imeyile kunye nemali ofuna ukuyirhoxisa kunye nekhowudi enikezelwe yi-app.
- Uya kufumana ikhowudi yokhuseleko kwiselula yakho okanye i-imeyile, onokuthi uyigcine okanye wabelane ngayo nabani na ofuna.
- Yiya kwi-ATM okufutshane onenkonzo ekhoyo kwaye ufake ikhowudi yokhuseleko kwi-ATM keypad.
- Uya kufumana imali kunye nerisithi yokusebenza kwi-ATM.
Zeziphi iingenelo zokutsala imali ngefowuni yakho ephathekayo ngaphandle kwekhadi?
Ukutsala imali ngefowuni yakho ngaphandle kwekhadi kunezibonelelo ezininzi, ezinje ngale:
- Intuthuzelo enkulu kunye nesantya, ngokuthi ungaliphathi ikhadi okanye ulifake kwi-ATM okanye kwi-dataphone.
- Ukhuseleko olukhulu kunye noxolo lwengqondo, ngokungabi naxhala malunga nokuphulukana nekhadi, ukuba libiwe, ukulenza lifakwe ekhompyutheni, njl.
- Ukuguquguquka okukhulu kunye nokulawula, ngokukwazi ukukhetha inani, ixesha kunye nendawo yokurhoxisa imali, kunye nokukwazi ukwabelana ngekhowudi nabani na ofuna.
- Utshintsho olukhulu kunye nesimanje, ngokusebenzisa ubugcisa obutsha kunye neenkonzo ezinikezelwa zezinye iibhanki kunye nezicelo.
Yiba nemali yakho naphi na nanini na ufuna
Ukukhupha imali ngefowuni yakho ephathekayo ngaphandle kwekhadi lukhetho isebenziseka kakhulu kwaye inenzuzo, ekuvumela ukuba ukhuphe imali ngokulula nangokukhawuleza, ngaphandle kokuba uphathe ikhadi. Kufuneka nje ube nefowuni ephathwayo enoqhagamshelo lwe-intanethi, i-app yebhanki okanye isicelo esibonelela ngenkonzo. Ungakhetha phakathi kweenketho ezininzi, njengekhowudi ye-QR, ikhowudi yamanani, i-NFC, i-contactless, i-SMS okanye i-imeyile, ngokuxhomekeke kwibhanki okanye isicelo osisebenzisayo.
Ukuba ufuna ukwazi ngakumbi malunga nendlela yokutsala imali ngeselfowuni yakho ngaphandle kwekhadi, unokukhangela iividiyo ngesihloko, apho uya kufumana ulwazi oluninzi, imizekelo kunye nezifundo malunga nendlela yokurhoxisa imali ngefowuni yakho ephathekayo ngaphandle kwekhadi. Ungazizama ngokwakho, usebenzisa ifowuni yakho ephathwayo kunye ne-app yebhanki okanye usetyenziso olukhethayo. Awuyi kuzisola!