Wise – Ndemanga pa Kutumiza ndi Kugwiritsa Ntchito Ndalama za Mayiko Osiyanasiyana Popanda Malire

#Quasa #QUA #wise

Wise (yomwe kale inkadziwika kuti TransferWise) ndi app ya ndalama yapadziko lonse: tumizani ndalama kumayiko 140+, sungani ndalama za mayiko ambiri, pezani manambala ndi zidziwitso zina za akaunti zakumaloko za ndalama zikuluzikulu (USD, GBP, EUR, ndi zina), ndipo lipirani ndi khadi la debit logwiritsa ntchito ndalama za mayiko osiyanasiyana. Imasonyeza mtengo wapakati wosinthira ndalama pamsika komanso chindapusa chomveka bwino m'malo mobisa ndalama zowonjezera mumtengo wosinthira ndalama. Mitundu ya akaunti: Personal Account (yopanda chindapusa cha mwezi uliwonse, yokhala ndi chindapusa cha khadi cholipidwa kamodzi ngati mukufuna khadi), Business Account (yokhala ndi chindapusa chotsegulira akaunti cholipidwa kamodzi m'madera ena osankhidwa). Ndalama zambiri zotumizidwa zimafika m'masekondi ochepa kapena pasanathe tsiku limodzi. Kuchotsa ndalama pa ATM kulibe chindapusa mpaka mutafika pamalire a mwezi uliwonse, kenako mumalipira gawo lina la ndalamazo. M'madera ena osankhidwa, mungapeze chiwongola dzanja pa ndalama zina za USD/GBP/EUR zosungidwa mu akaunti. Wise ndi ntchito ya ndalama yoyang'aniridwa ndi akuluakulu oyenerera, si banki yopereka ntchito zonse kulikonse — ndalama zosungidwazo zimatetezedwa, koma si nthawi zonse zimakhala ndi inshuwaransi ya ndalama zosungidwa monga akaunti ya tsiku ndi tsiku ya kubanki wamba.

Ubwino Wake Waukulu:

• Mtengo weniweni wapakati wosinthira ndalama pamsika, ndipo chindapusa chimasonyezedwa musanatumize
• Kusunga ndalama za mayiko osiyanasiyana ndi kupeza manambala ndi zidziwitso zina za akaunti zolandirira ndalama kwanuko
• Khadi lomwe limayamba kugwiritsa ntchito ndalama za mu wallet ya mtundu wa ndalama womwe mukulipira nawo
• Kutumiza ndalama mofulumira pakati pa mayiko omwe anthu amatumizirana ndalama kwambiri
• Palibe chindapusa cha mwezi uliwonse pa akaunti ya munthu payekha

Ndi Yoyenera kwa: Anthu okhala kunja kwa dziko lawo, ogwira ntchito kuchokera kulikonse, ogwira ntchito pawokha, ndi aliyense amene amatumiza kapena kugwiritsa ntchito ndalama kunja ndipo watopa ndi ndalama zowonjezera zimene mabanki amaika pamitengo yosinthira ndalama.

Mfundo Zofunika:

• Mtengo umene mumauzidwa ndi woona: mtengo wosinthira ndalama + chindapusa, popanda ndalama zowonjezera zodzidzimutsa kumapeto kwa sabata
• Khadi limagwira ntchito ndi Apple Pay / Google Pay
• Akaunti ya bizinesi yogwiritsira ntchito ma invoice ndi makhadi a gulu
• Kuchotsera pa kutumiza ndalama zambiri
• App ndi yosavuta kugwiritsa ntchito poyerekeza ndi kutumiza ndalama kudzera kubanki mwachizolowezi

Zinthu Zoyenera Kuziganizira:

• Si banki yopereka ntchito zonse: mwayi wogwiritsa ntchito ndalama zoposa zimene muli nazo mu akaunti, kuika ndalama za m'manja, ndi kupeza thandizo kunthambi ndi wochepa
• Chindapusa chochotsa ndalama pa ATM ndi cholandirira ndalama kudzera mu SWIFT chimapitirizabe kulipidwa mukadutsa malire a ntchito zaulere
• Kupatsidwa khadi ndi kupeza manambala ndi zidziwitso zina za akaunti zolandirira ndalama kungafune ndalama zowonjezera
• Kupezeka kwa ntchito ndi malamulo a chiwongola dzanja zimasiyana malinga ndi dziko
• Kuteteza ndalama ≠ chitetezo cha mtundu wa FDIC/FSCS pa mtundu uliwonse wa ntchito

Chigamulo Chonse: Nyenyezi 4.6/5 Wise idakali imodzi mwa njira zosavuta komanso zomveka bwino zotumizira ndi kugwiritsa ntchito ndalama kudutsa malire a mayiko. Igwiritseni ntchito posinthira ndalama ndi polipira zinthu paulendo; sungani akaunti kubanki yakwanuko kuti muthe kuthana ndi zinthu zapadera zokhudza malipiro a antchito komanso ndalama za m'manja. Nthawi zonse onani chindapusa cha panthawiyo chotumiza ndalama pakati pa mayiko amene mukugwiritsa ntchito musanakanikize batani lotumiza.

Yambani: https://quasa.io/projects/wise