Amabhange aseNingizimu Afrika ayizikhungo zezimali ezigcina imali yamakhasimende, zidlulise izinkokhelo, zibolekise ngemali, futhi zinikeze izindlela zokonga. Zisiza abantu, amabhizinisi, izinhlangano zomphakathi, nezinhlaka zikahulumeni. I-akhawunti yokuthengiselana isetshenziselwa ukuhambisa imali yansuku zonke njengokuthola imali engenayo, ukukhokha izikweletu, ukukhipha ukheshi, nokusebenzisa ikhadi ledebhithi. I-akhawunti yokonga igcinela umuntu imali ikakhulukazi, futhi ingakhokha inzalo, kodwa ingaba nemithetho ehlukile yokuyikhipha. Amabhange aseNingizimu Afrika avame ukusebenzisa irandi, elibhalwa ngo-R noma nge-ZAR. Amakhasimende angasebenzisa igatsha, i-ATM, isevisi yeselula, uhlelo lokusebenza lweselula, ukubhanga nge-inthanethi, noma enye indlela yokukhokha egunyaziwe. Izinkokhelo zikagesi zibalulekile. I-EFT, noma ukudluliselwa kwezimali ngogesi, ihambisa imali phakathi kwama-akhawunti asebhange, kanti i-debit order ivumela inhlangano egunyaziwe ukuba iqoqe inkokhelo ephindaphindwayo. Inkokhelo yekhadi ivame ukukhipha imali ku-akhawunti yokuthengiselana, kanti ikhadi lesikweletu lisebenzisa imali ebolekiwe okufanele ibuyiswe. Amabhange aphinde anikeze imali ebolekiwe nama-overdraft. Imali ebolekiwe inikeza ukufinyelela emalini ebuyiswa ngokuhamba kwesikhathi kanye nenzalo, kanti i-overdraft ivumela i-akhawunti ukuba yehle ngaphansi kweqanda ngaphakathi komkhawulo okuvunyelwene ngawo. Isikweletu singaba usizo, kodwa inzalo nezinye izindleko kwenza ukuboleka kubize ngaphezu kokusebenzisa imali oyongile. Izindleko zasebhange zingase zikhokhwe ngezinsizakalo zanyanga zonke, ukukhipha ukheshi, ukudlulisa okuthile, amakhadi, ama-debit order angakhokhelwanga, noma okunye ukuthengiselana. Izindleko eziqondile zincike ku-akhawunti nomhlinzeki, ngakho ukwakheka kwezimali ze-akhawunti kubaluleke njengezici ezikhangiswayo. Amabhange avikela ama-akhawunti ngamaphasiwedi, izinombolo zokuhlonza umuntu, izinyathelo zokuqinisekisa zesikhathi esisodwa, nezaziso zokuthengiselana. Amakhasimende akufanele nanini abelane nge-PIN, iphasiwedi, noma ikhodi yokuqinisekisa, futhi kufanele axhumane nebhange ngesiteshi esithembekile uma inkokhelo noma umlayezo ubukeka usolisayo. Ukukhetha ibhange okuhle kuhambisana nendlela umuntu athola, asebenzisa, agcina, futhi adlulisa ngayo imali. Qhathanisa ukufinyelela, ikhwalithi yesevisi, izindleko, amathuluzi okuphepha, izidingo zokheshi, nemibandela yokuboleka ngaphambi kokuvula i-akhawunti.
Amabhange eNingizimu Afrika
Amabhange eNingizimu Afrika agcina imali iphephile, acubungula izinkokhelo, futhi ahlinzeka ngama-akhawunti, amakhadi, imali ebolekiwe, nezinsizakalo zokonga. Iningi lemisebenzi yasebhange yansuku zonke lisebenzisa irandi laseNingizimu Afrika, elibizwa nangokuthi i-ZAR, ngezinhlelo zokusebenza zeselula, ukubhanga nge-inthanethi, ama-ATM, amagatsha, nokudluliselwa kwemali ngogesi. Ukuqonda izinhlobo zama-akhawunti, izindleko, izindlela zokukhokha, nokuphepha kusiza abantu ukuba bakhethe ibhange futhi balisebenzise ngokuphepha.
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