Ukuba kususwe imali evela ikhadi (Sberbank), ukuba benze ntoni?

Ngo-2013, eRashiya waba yinkokheli eYurophu inani lamatyala zobuqhetseba kunye amakhadi ebhanki. Abantu bezama ukufumana uncedo ngokwenene kwimeko etsalwe yobuqhophololo. ERashiya, lo mba lilawulwa nguMthetho Federal № 161 "Kwi inkqubo yentlawulo yelizwe." Esebenza ukususela ngo-2011. Kodwa izinto ezibaluleke kakhulu ukuthatha isiphumo kuphela ukususela ngowama-2014. Umthetho uchaza ukulandelelana ngezenzo, ukuba bakhutshwe ikhadi lakho (Sberbank). Kufuneka wenze ntoni kwindawo yokuqala yaye ukuba uqhagamshelane uncedo?

Types of yenkohlakalo

Ukuba ngokufutshane ukuchaza kakuhle umthetho, iibhanki kufuneka anyuse umgangatho wokhuseleko kwemali zabathengi. Kangangexesha elide lo mba sele abondliwa. Iibhanki qatha ibinzana isivumelwano sokuba imicimbi wenza ngokusebenzisa iPIN, luxanduva client. iziganeko ezinjalo kusengenzeka. Abantu abaninzi ugcine isiqwenga bephepha PIN kwiwalethi kunye ikhadi. Le ukuhlukunyezwa inyala kwezinto eziqinisekisa ukhuseleko. Kwaye ukuba kususwe imali evela Savings Bank of khadi, uze ubuyele imeko ayikho enye indlela emva.

Kodwa nabakhohlisi nga phendula imisebenzi yabo, nokuba ngaphandle yenethiwekhi yeplastiki esandleni. Yanele ukuba ufunde zonke iinkcukacha ikhadi ndirhoxise imali ngokukhuselekileyo. Namhlanje kukho ezi ntlobo zobuqhophololo:

• Endiza. Abahlaseli funda data evela ikhadi umvumbo Imagnethi kwenziwa kunye analogue yayo. PIN Bafunda besebenzisa pads kwi yezitshixo okanye mini-camera. Emva koko khuphela kwaye bakhupha imali yenziwe.
• Iwebhsayithi yobuqhetseba. Uhlobo enkohlakalo, apho imigulukudu bazi yomphathi wegama elithile Olgqithiso lwegama lomsebenzisi. Mthetho bachitha ukuthumela imeyili okanye SMS ngekhonkco kwisayithi logonyamelo. Ukunqakraza phezu kwalo, abasebenzisi ukunika imigewu idata zokufikelela kwi-akhawunti yakho ka-website ye-Bank.

Apha ukubhala ngayo le mali evela ikhadi.

yokuvikela

Iibhanki usathabatha amanyathelo okhuseleko okukhusela impahla zabathengi. Kunyaka ophelileyo landa kakhulu inani amakhadi ekhutshwe kunye neetshiphusi. Ukuba zikhuselekile. Ezi nzima ukufumana nesinye. ATM baxhotyiswa izixhobo ezikhethekileyo ethintela ithuba lokufaka izixhobo wakuqonda. Kunye abathengi zisoloko walumkisa ukuba abasebenzi ibhanki phantsi kwazo naziphi na iimeko musa ukuzama ukwazi iPIN okanye CVV. Kodwa ubuqhetseba isekhona lukhulu.

Siyisuse imali evela ikhadi (Sberbank). Yintoni ukwenza ntoni?

Ukuqala sokwehlisa, nokungoyiki. Zama ukuba ukukhumbula ngexesha lokugqibela uthe watsala imali. Mhlawumbi loo nto isaziso emva kwexesha. Okanye bazixolelwe imali elingana amakhadi intlawulo yesondlo ngonyaka okanye iinkonzo zolwazi SMS. Ukuba kuvela ukuba yabiwa imali evela ikhadi, kuyimfuneko ukuba nomonde. Ukubuyela imali inde kakhulu kwaye onzima, kodwa isasebenza ngempumelelo.

inyathelo elinye

Ngoko ke, umthengi wayeka imali ikhadi (Sberbank). Kufuneka wenze ntoni kuqala? Tshixa zeplastiki. Ukuze wenze oku, tsalela inombolo bank umnxeba-iziko. Ukhomba emva ikhadi okanye imvumelwano. Ngethiyori, umqhubi sazi imali eseleyo kwi-akhawunti kunye iintengiselwano kutshanje. Practice ibonisa ukuba idatha efana kuvela kuphela iintsuku 2-3 emva kwentengiselwano. Ukuvimba ikhadi kwaye inga ebhankini. Kodwa ke kufuneka achithe ixesha endleleni kunye prosizhivanie efolisiweyo.

inyathelo lesibini

Ukuba evela incoko kunye nabasebenzi wafumanisa ukuba imali ezisusiweyo ukusuka card, ngoko ke kufuneka ngoko nangoko uye kwi-ofisi ze ubhale ingxelo umngeni kwentengiselwano. Kufuneka ezichazwe iinkcukacha zonke iimeko, ukwenza ingxelo ye-akhawunti kunye namanye amaxwebhu engqina zimsulwa umthengi ukuba watsala imali. Phambi isabelo ingxelo isivumelwano ukufunda exabisa kunye elunxwemeni. Kufuneka ibe into ngamacala athatha inxaxheba, ukulandelelana izenzo kunye nenkqubo ekusombululeni imiba.

amanyathelo amathathu

Ukuba ulahlekelwe ikhadi lakho, amagqwetha bacebisa ubhale ingxelo emapoliseni. Izenzo ezinjalo kufuneka kubaxhokonxa inkonzo zokhuseleko ibhanki yakhe. Ngethiyori, amapolisa kufuneka ukuvula ityala lolwaphulo-mthetho ngokususela isicelo sifunyenwe ukususa ividiyo evela kwi ATM DVR. Ukuba yesazisi umqeshi ayikwazanga lusekiwe, oko bubungqina bokuba imali wathabatha ilifa lomntu wesithathu. Ukuziqhelisa, amapolisa kufuneka kuqala athumele isicelo kumxhamli-mali. Le nkqubo kuba inzima ukuba umamkeli ayikho idilesi ubhaliso. Imibuzo nge email abasemagunyeni zokunyanzelisa umthetho musa imithambo.

inyathelo ezine

Yiba nomonde alinde. Ukuba ngexesha iphepha loviwo ziya kuvela iinkcukacha ezingakumbi ezinokuchaphazela isiphumo, kufuneka ubhale enye ingxelo. Kulo mzekelo, iziko lamatyala kuya kufuneka uthumele isicelo ngokuya ebhankini efumana ukubuyiselwa imali.

inyathelo lesihlanu

Ngoko ke, nina kususwe imali evela ikhadi (Sberbank). Kufuneka wenze ntoni xa ibhanki wala ukubuyisela? Abameli acetyiswa kulo mzekelo ukuya enkundleni. Ukuba uya kunikwa ubungqina eyomeleleyo (umzekelo, i-client waba eMoscow, kwaye imali evela ikhadi ususiwe ATM eSt Petersburg), ixhoba sinokuqiniseka imali.

Umthengi walahlekelwa ikhadi Savings Bank: ntoni ukwenza ntoni?

I algorithm iyafana kwimeko Ukutsalwa mthethweni. Okokuqala, kufuneka ukuvala ikhadi kwaye isicelo kwisebe kunikezelo entsha. Musa ukusebenzisa imali umthengi uyakwazi ukufumana imali ngokusebenzisa imali ibhanki okanye idluliselwe kwenye akhawunti. Ubusela kuyingozi kuba bahlaseli Ungasebenzisa CVV-ikhowudi uze uhlawulele iinkonzo online. Kwelinye icala elingemva phantse kuzo zonke iintlobo amakhadi zeplastiki siyakhuthazeka umvumbo emhlophe ukuba umnini-utyikityo kunye manharhu 7. Eyokuqala 4 - yinxalenye inombolo, no-3 ezayo - CVV (CVV2) -code. Yena uhlobo PIN okunye kwenziwa nge-Internet. Le khowudi ayikwazi zicaciswe kuphela Visa Electron kunye MasterCard Maestro. Zizo ezi amakhadi ifikelelekayo isibheno kuphela kwelinye ilizwe. Ngoko ke, umthengi ezilahlekileyo ikhadi Sberbank. Kufuneka wenze ntoni elandelayo? Kuluncedo ukuba abhale ingxelo emapoliseni. i elingekho Mhlawumbi kuya kufumaneka ize ibuyiselwe kumniniyo.

Hayi iingxaki ngaphantsi zibangelwa le meko, xa demagnetized ikhadi Sberbank. Kufuneka wenze ntoni kule meko? Ngoko nangoko ukuvala endala. Amakhadi ukuze demagnetized kuphela xa abaxhasi bayisebenzise: ngokuqhelekileyo encothula kwaye asibeke epokothweni, isipaji okanye ibhegi. Watsala imali evela ATM kunye njengomthuthi ngeplastiki ezifana nakanjani. Kodwa xa ilahlekile okanye ibiwe, lo wobuqhophololo nga okuhlawulela iimpahla intanethi. Kwiimeko ezinjalo, iibhanki musa ukuthumela intlawulo kunye nephasiwedi SMS, kodwa kwazisa kuphela umxhasi malunga indlela yokubhala loo nto.

UMthetho sindisa

Izilungiso kuMthetho Federal № 161 awanyanzele ngemali ukubuyisela imali ezibiweyo kwi imeko ukuba ibhanki ningabi ukuba umxhasi luwugqithile imithetho ukusebenzisa ikhadi lebhanki. Apha kuyimfuneko ukunikela ingqalelo ezincinane ezinjalo. A iziko lamatyala unyanzelekile ukuba ukumbhatala imali ukuba Umxhamli kuya ingxelo ukuba wathabatha off imali evela ikhadi Savings Bank, akukho lungadlulanga usuku olulandelayo emva kokufumana isaziso kumsebenzisi kunye lungamkeleki. Kwimeko zokugxojwa eli gama kunye Bank nakweyiphi uxanduva ukuqhutywa nguqulelo. Xa lento uyijonga, umxhasi kufuneka kwakhona usebenzise isiseko ubungqina. Emva ukuthetha kunye nomsebenzisi on the phone kufuneka ukuthumela imeyile ebhankini, ezicacisa unobangela unyango, imali ngqo asethi ezibhaliweyo-off, ngaphambi mhaka yomqhubi isaziso.

Ipesenti bamakhadi abangahloneli Thixo omkhulu. Iibhanki umthetho omtsha ndiyaqonda ukwamkelwa kakubi. Amaziko kufuneka ukwandisa noonogada karhulumente. Intlawulo iinkonzo yeengcali abafanelekayo kwinkalo IT imali eninzi. Iibhanki ekukhuliseni i-alam, zintlungu iilahleko uze uzame ukufumana indlela yokuphuma.

Umthetho uthi iziko lamatyala linyanzelekile ukuba ukwazisa ngumthengi malunga ukutshaja. Kodwa akazange ucacise ngqo indlela, nokuba kangakanani kufuneka malini kule nkonzo. Oko kukuthi, nkqu email-umyalezo ukusuka elunxwemeni malunga nento le intengiselwano inokuba saziso. Ukusebenzisa le iqhinga, iibhanki abaninzi bacinga iindleko SMS-imiyalezo, leyo ndlela fastest ukufunda mali yokuyeka mhaka.

Enye ingongoma ebalulekileyo nesimele ukunikela ingqalelo. Ukuba ukusebenza ngenxa ukuhlawulwa kwemali kwenziwa ngaphandle inxaxheba umxhasi kunye yebhanki akukho kwaziswa ikhadi lakhe, kufuneka kubuyisela yonke imali echithwa.

Kwangaxeshanye, lo mthetho iqulathe amagama ezinokuchazwa ngeendlela ezimbini. Kuthiwa ukuba kweebhanki ityala ngenxa yokuziphatha bentengiselwano, ukuba ingqina ukuba umthengi luwugqithile imigaqo yokusetyenziswa elektronika bentlawulo. Oku kuquka nantoni ukuya ikhadi yokugcina efrijini.

Abasithoba iindlela ukufumana imali

• Ukurhoxisa imali kuphela ebhankini. Kukho khamera kuyo yonke indawo. Bahlaseli abakwazi cwaka ukufaka kwi umfundi khadi ATM.
• Record bank phone call-iziko kwi mobile. Ukuba ulahlekelwe ikhadi lakho, ngoko nangoko ukufowunela inombolo.
• Ukuba awukwazi ukukhumbula iPIN khowudi, sikugcine kwimemori yefowuni phantsi codename.
• Cwangcisa SMS-isaziso ukuba ufunde ngoko nangoko malunga zonke ukungena nokuphuma kwemali kwi mephu.
• Hlawula iinkonzo kuphela sites omthembileyo. browser yabo kufuneka uqale ngoko: https: //.
• Ungaze uxelele nabani na iPIN kunye nekhadi CVV-khowudi.
• Igama lomsebenzisi kunye negama lokugqitha le akhawunti yakho kwi-website ye-ibhanki kufuneka zigcinwe ngendlela ye-elektroniki.
• Ngokuba yonke imibuzo malunga nokurhoxa mthethweni kwemali evela ikhadi kufuneka umnxeba inombolo ezidweliswe kwi khadi kwaye hayi nge-SMS.
• Gcina-asethi fixed kwi-akhawunti eyahlukileyo, kwaye ikhadi imali imali kuphela ukuguqulela.

isiphelo

Nangona iibhanki zithatha amanyathelo ukukhusela imali yabathengi, abaphangi usenalo iindlela ezininzi ukurhoxisa imali evela ikhadi. Kwiminyaka yakutshanje kuba ethandwa kakhulu olu hlobo zeentsebenzo, ezifana yobuqhetseba - ukuthumela imiyalezo kunye amakhonkco kumaziko ngolunya. unqakraza kuyo, umthengi sinika lomsebenzisi nabakhohlisi eligqithisiweyo ukusuka kwikhabhinethi kwi website lomlambo lowo. Akuba ebuyile, ebamkele ezi nkcukacha, ohlaselayo Ungathatha ingqalelo imali abanye abantu. Ukungqina ukuba alikho semthethweni kunokuba nzima lo msebenzi. Enye yingxaki, ukuba Sberbank ibiwe ikhadi. Kufuneka wenze ntoni kule meko? Vimba isixhobo sentlawulo, iyalele ukukhululwa entsha kwaye isicelo yoqhankqalazo intengiselwano yokugqibela.