Bangiga Spain furitaanka xisaab, sameynta Bizum, ka fogaanshaha khidmadaha

Dooro bangi: internetka, wadada weyn, ama labadoodaba

Bangiyada internetka (Openbank, ING, N26, GLOSS_0), BBVA) waxay ka furayaan xisaabaadka bilaashka ah ee Isbaanishka ee 13 maalmood oo ka socda baasaboor, NIE, iyo wicitaan aqoonsi fiidiyoow ah. Ma jiro khidmad bille ah oo loogu talagalay xisaabaadka firfircoon. Waxay ku siiyaan kaarka deynta Isbaanishka ee GLOSS_1 iyo Visa ama Mastercard; qaar ka mid ah waxay ka mid yihiin Bizum laga bilaabo maalinta koowaad.

Bangiyada waddooyinka waaweyn (CaixaBank, Santander, BBVA, Banco Sabadell, Bankinter) waxay leeyihiin shabakadaha laamooyinka iyo ATM-yada ugu qaro weyn. Dukaamo badan oo yaryar, kafeyo, iyo ganacsiyada miyiga ah ayaa wali doorbidaya lacag caddaan ah; koontada mid ka mid ah afarda waaweyn waxay damaanad qaadataa lacag la'aan bixinta. Inta badan koontada waaweyn waxay leeyihiin khidmad dayactir ah 510 € / bishii illaa aad si toos ah u dhigto mushaar ka sarreeya 600800 € / bishii.

Qaab caadi ah oo loogu talagalay dadka cusub: koonto internetka ah oo mushaharka maalinlaha ah, iyo sidoo kale koonto weyn oo loogu talagalay adeegyada shakhsi ahaaneed, la-talinta deynta ama in lagu xidho lambarka taleefanka Isbaanishka ee ku haboon Bizum.

Bizum Heerka lacag bixinta ee Spain ee loo yaqaan 'peer-to-peer'

Bizum waa nidaam lacag wareejinta degdegga ah oo bilaash ah oo ay maamulaan 30+ bangi oo Isbaanish ah. Marka bangigaagu uu ku soo saaro Bizum, waxaad lacag u wareejisaa lambarka taleefanka qof kasta ilbiriqsi gudahood kala qaybinaya biilka makhaayadda, bixinta saaxiib, dirista lacag dhalashadiisa. Xadka maalinlaha ah waxaa caadi ahaan ah € 1,000 qof kasta oo qaata, laakiin nidaamku wuxuu ku baaraandegaa bilyan oo euro bishii khiyaamo aan la tixgelin karin.

Bangiyada badankood ee Isbaanishka waxay ku jiraan Bizum bilaash ah oo leh koonto jeeg. Waxaad ka hawlgashaa gudaha barnaamijka bangigaaga (qorshe hal mar oo ku xiran lambarka taleefankaaga IBAN). N26 wuxuu ku daray taageerada Bizum sanadka 2023; Revolut wali ma jiro, taas oo ah sababta ugu weyn ee dadka deggan ay u haystaan koonto bangi oo gudaha ah dhinaca.

Fasalka jidhka ee Isbaanishka ee GLOSS_0 iyo RIB

Isbaanish ah ee loo yaqaan 'GLOSS_0' waa 'ES' oo ay ku xigto 22 lambar. 'GLOSS_0' waa waxa aad bixiso wareejinta SEPA ee soo galaya (shaqaale, kirada, soo celinta). Lacag bixinta soo noqnoqda ee gudaha, qaabka hore ee gudaha (CCC Código Cuenta Cliente) ayaa ka muuqda foomamka qaarkood; nidaamyada casriga ah dhammaantood waxay isticmaalaan 'GLOSS_0'.

Inta badan mushaharka iyo biilasha Isbaanishka waxay ku shaqeeyaan SEPA caadiga ah (12 maalmood oo shaqo) ama SEPA Instant (qiyaastii 10 ilbiriqsi).

Domiciliación lacag bixinta biilka

Domiciliación waa lacag-bixinta tooska ah ee SEPA ee Spain. Inta badan adeegyada, caymiska, heshiisyada isgaarsiinta, iyo xitaa heshiisyada kirada qaarkood ayaa laga soo saaraa koontadaada bil kasta. Bangiga ayaa si sharci ah u damaanad qaada lacag celin 8 toddobaad gudahood haddii shirkad ay qaadato lacagta khaladka ah.

Domiciliación dejinta waa waqti-keydinta ugu weyn ee bilaha ugu horreeya. Shirkadaha adeegyada badankood waxay bixiyaan foomka amar SEPA markaad iska diiwaangeliso; keena IBAN. Milkiilayaasha qaar waxay doorbidaan wareejinta (wareejinta gacanta) kirada kiiskan waxay ku dhigaan diiwaangelinta billaha ah taleefankaaga ama jadwalka wareejinta soo noqnoqda ee ka timaadda barnaamijka bangiga.

Lacagta, ATM-yada iyo dhaqanka lacagta

Lacagta ayaa wali caadi ah Spain Baararka yaryar, kafeegaha, suuqyada, iyo ganacsiyada miyiga ah ayaa inta badan doorbidaya. 20 50 euro oo lacag caddaan ah ku qaado meel kasta. ATM-yada (cajeros) waa cufan yihiin magaalooyinka; inta badan waxay ku qaadaan €2 5 haddii aad isticmaasho mashiinka tartanka, bilaash haddii aad isticmaasho bangigaaga.

ATM-yada badankood ee Spain waxay laba jeer weydiistaan khidmadaha: mar ka dib ATM-ga bangiga maxalliga ah (waxaad bixin kartaa € 24) iyo mar kale bangiga guriga (oo sidoo kale biilasha laga yaabaa). Isticmaalayaasha lacag caddaan ah ee joogtada ah, koontada Bankia / CaixaBank / Santander waxay ka fogaataa kharashaadka dheeraadka ah. Bangiyada internetka sida Openbank waxay caadi ahaan soo celinayaan dhowr lacag ka soo qaadista ATM bishiiba shabakad kasta.

Keydinta iyo maalgashiga Plan de Pensiones, Fondos, iyo ETFs

Spain waxay leedahay xisaab kaydinta canshuurta oo xadidan. Plan de Pensiones (qorshaha hawlgabka gaarka loo leeyahay) wuxuu kuu ogolaanayaa inaad ka soo qaadato dakhliga canshuurta lacagaha ah (ilaa € 1,500 / sanad laga bilaabo 202526, oo si weyn looga yareeyay xadka hore) oo dhexdhexaad ah, laakiin faa'iido u leh dadka dakhliga sare u hela.

Si aad u maal gasho, Cuenta de Valores ama fondos de inversión ee bangiga ama dhexdhexaadiyaha Isbaanishka (Renta 4, MyInvestor, Indexa Capital, Openbank, Trade Republic) ayaa kuu oggolaanaya inaad iibsato ETFs iyo maalgashi. Faa'iidooyinka iyo faa'iidooyinka raasamaalka waxaa lagu canshuuraa heerarka horumarsan 19% ilaa € 6,000, 21% ilaa € 50,000, 23% ilaa € 200,000, 27% ilaa € 300,000, 28% kor. Hay'adaha ETF ee muddada dheer, gaar ahaan iyada oo loo marayo fondos de inversión, waxay u oggolaanayaan gudbinta canshuurta la'aanta ah ee u dhexeysa lacagaha (traspasos) faa'iido gaar ah oo Isbaanishka ah.

Warbixinta khiyaamada iyo amniga

Xaaladaha ugu badan ee khiyaamooyinka waa SMS phishing oo u eg bangiyada (smishing) iyo codsiyada Bizum been abuur ah. Bangiyada dhabta ah marnaba kama weydiistaan lambarkaaga sirta ah, marnaba kama wici doontid inaad codsi ka hesho, marnaba kuma farayo inaad "dhigeyso wareejinta xaqiijinta". Haddii codsi Bizum uu si lama filaan ah u yimaado, iska indhatiro kaliya aqbal codsiyada Bizum ee dadka aad dhab ahaantii filayso.

Haddii aad ka shakisan tahay khiyaano: isla markiiba xannibi koontadaada adoo adeegsanaya barnaamijka bangigaaga, wac khadka 24 saac ee bangiga, oo u soo sheeg Policía Nacional (091) ama adigoo adeegsanaya dacwadaha internetka ee policia.es.