Ndeipi Inzira Yakanakisisa Yokuunza Mari Ku UK?

A Tarisa Maitiro uye Unyanzvi weKunaka, Kukosha nekushandisa Simba

Pound Sterling (£), dzimwe nguva inonzi " Sterling ", ndiyo mari yepamutemo yeUnited States . Iwe unogona kuchinja mari yako mumapundi nemaitiro akasiyana, asi iwe haugone kushandisa mari yako chaiyo yenyika, kwete kunyange Euros , usingashandisi pakutanga.

Kana uchangotanga kuronga rwendo rwako, tanga kufunga pamusoro pekuti iwe uchabata sei kushandisa mari yako muUnited States. Siya iwe nguva yakakwana yekutarisa zviri nyore, kuchengeteka uye kukosha kwezvakasiyana-siyana uye kusvhura bhangi idzva kana mabhadhikiti ekadhi rechikwereti kana zvichidikanwa.

Izvi ndizvo zvisarudzo:

1. Kwereti neDheji Cards - Izvo zviri nyore uye zvakadhura

Izvi ndezvokuti, maoko pasi, iyo yakaderera uye yakanakisisa nzira yekubhadhara zvinhu uye kuwana mari mu UK chero bedzi iwe uchiishandisa zvakanaka. Funga nezvezvakanaka uye zvakashata.

The Pros

1. Makambani emakadhi ekodhidhi anoshandisa mari yakawanda / interbank exchange rate iyo chaiyo apo kubhadhara kwako kuri kuitwa. Mutengo wacho uchakwira uye wakadzika asi uchagara uchiita zvekutengeserana, unowanikwa kumabhangi nemasangano makuru - zviri nani kupfuura yekutengesa mari yekutsinhanha yemari inowanikwa pamusoro pekambani kune vatengi. Saka unowana zvakawanda nokuda kwemari yako.
2. Makambani akawanda emakadhi haawedzeri mari yekubhadhara mari yekutengeswa kwezvinhu (kunyange vachiita kana iwe ukatenga mari).
3. Kana iwe uchibhadhara zvikwereti zvekadhi rako rechikwereti isati yawanikwa, kana kuti ona kuti une mari yakawanda mubhadha rako rekubhadhara kuti uvhare mari yako, iwe haungasviki kune mimwe mitero.

1. Izvo zvinogamuchirwa zvachose - Unogona kubhadhara pamusoro pechinhu chero chipi nechipi nekadhi yebhadharo mu UK, kubva mumakadhi emukaka uye mapepanhau ezuva kana doro mumashamba, kune zvinhu zvakadhura zvinodhura. MuUnited States, vanhu vanokwanisa kubhadhara mitero uye magetsi mabhiriji nekadhi yebhengi.
2. Mashini emari, kana maATM ari kwose kwose. Vakawanda mumugwagwa mukuru mumigwagwa vachange vachisarudzwa nemichina yemichina. Zvinowanikwa pamagetsi (gasi) zvivako, mumitambo, kumabhangi uye mune dzimwe zvitoro. Izvi zvinoita kuti uwane mari paawa ipi zvayo masikati kana usiku iri nyore kwazvo.

The Cons

1. Mamwe makadhi haabvumirwi kana kuti akawanda akagamuchirwa muUnited States. Iwe unogona kuva nekutambudzika kushandisa Diners Club uye Discover makadhi. Makadhi American Express dzimwe nguva anoramba. Bata nevakuru maviri - VISA na MasterCharge - uye haufaniri kunge uine matambudziko.
2. Vamwe vatengesi vanogona kutora zvishoma kutenga kutenga kubvuma kadhi rechikwereti. Izvi zvinonyanya kuitika mune zviduku, maMama nePop maduka.
3. Bhizimisi mari inogona kushanda. Bhizinesi, chivakwa chekuvaka nemashizha emahofisi emakisi muUnited States (avo vakawanda vavo) havashandisi mari yakawedzerwa kana kutumirwa kuwana mari. Asi iwe bhangi rako kana kambani kambani inogona kunge iri. Zvakakosha kutenga kunotengesa kumadhora emadhora ekudhura kwepamusoro nokuti izvi zvinosiyana kubva pakadhi kuenda pakadhi uye pakati pekubudisa mabhangi. Iwe unogona kutongerwa chero kupi zvako kubva pa $ 1.50 kusvika $ 3.00 kana kupfuura nemari yekunze kwemari kutengesa mari.
4. Nhamba shomanana yemakina emari inobhadhara mari yekutora uye inofanirwa kudzivisa. Mashini emari mune zviduku zvinochengeterwa mabhizimisi uye mune imwe nzira yemugwagwa inogona kudzika inogona kuva chikamu chemashandisirwo emabhizimisi anowedzera mari yakawedzerwa - inenge inenge inenge £ 1,50 asi dzimwe nguva purogiramu yekutengesa kwako. Edza kudzivisa kushandisa mishonga iyi kunze kwekukurumidzira. Panzvimbo pokutsvaga maATM anoshamwaridzana nemaBhange makuru eUnited States, pamwe nesangano rekuvaka (semabhengi ekuchengetedza) kana nevatengesi vanotungamirira (Harrods, Marks & Spencer ) uye masitoroti.

1. Iwe unogona kudiwa kuwana kadhi itsva kuti uite neEurope Chip uye Pin (zvakanyanya pane iri pasi apa).
   • Imwe shoko kune vakachenjera - Shandisa kadhi rechikwereti kutenga zvinhu asi shandisa bhadha kana kuti ATM kadhi kuti uwane mari kubva kuATM. Paunoshandisa kadhi rechikwereti rekutenga, chido hachikwereti kusvikira mushure mekubhadharwa kwekupedzisira (kazhinji mazuva makumi matatu kana kupera kwemwedzi). Asi, kana ukashandisa kadhi rechikwereti pamakina emari, kufarira kunotanga kuwedzera nokukurumidza. Uine kadhi yebhadharo, chero bedzi uine mari mubhangi kuti uvhare mari yako, hapana kufarira kuripo.

Iyo Chip-uye-Pin Issue

IU UK, pamwe chete nehuwandu hwenyika yose, yave ichishandisa Makadhi nePini kwemakore anopfuura gumi. Makadhi ane microchip yakasungirirwa uye vatengi vanobudiswa imwe yakasiyana-siyana, nhamba ye4-PIN nhamba iyo inofanirwa kupinda maATM kana pane imwe nzvimbo yekutengesa kushandisa makadhi avo.

IU.SA yave iri iyo yakagadzirirwa, ichivimba panzvimbo pamakadhi ane magnetic stripes anowanzodikanwa kusayina. Zvose izvo zvinotanga kuchinja. IEVV (Europay Mastercard VISA) boka, rakagadzira pasi rose, rakasununguka chip uye pini teknolojia yekodhi yemakadhi, vave vachiedza kunyengetedza vatengesi veAmerica uye makadhi ekubvumira kuti vachinje ku chip uye pini kwenguva yakareba. Muna Gumiguru 2015, kumanikidzira nyaya yacho, vakashandura mitemo yavo. Kubva ipapo, kana kadhi inoshandiswa zvinyengeri, vatengesi kana kadhi vanobudisa mari vasingabatanidzi chip uye pini protocol vachabatwa mhosva pamutengo wekubiridzira.

Nokuda kweizvi, EMV chip uye pini makadhi akajeka ari kuwanika kupfuura akawanda muU.SA uye kare makadhi emhando zvishoma nezvishoma anotsiviwa kuti asangane nehuwandu hwepasi rose.

Izvi Zvinorevei Kwauri

Kana uchinge uine chip uye pini smart card, iwe haungapindi mumatambudziko chero aunoshandisa iyo ikadhi yako yekadhi yakagamuchirwa. Michina yekuverenga makadhi inoshandiswa muzvitoro, mabhangi uye mahofisi emahofisi acharamba ane magnetic stripe reader kuitira kuti iwe unogona kushandura kadhi rako kumusoro kana kuti kurutivi rwechigadzirwa.

Asi kana kadhi yako inoda chikwangwani (zvichida magrape uye signature kana chip uye makadhi echigamba) iwe uchava nematambudziko - kunyanya kana pasina munhu ane cashier aripo kuti agamuchire saini yako. Pasina chip, kadhi yako icharambwa nemiti yetikiti (pazvitima zvezvitima, somuenzaniso) uye nemahofisi emotokari (petrooline) pamapombi. Uye kunyange ne chip, iwe uchada PIN yenhamba kushandisa kadhi yako nemichina.

Kuzvidzivirira:

• Makadhi ose ebhangi nemakadhi emakwereti ane nhamba yeinaini-PIN nhamba, kunyange kana bhangi yako kana kadhi yemakadhi asina kukupa iwe. Kumbira imwe yemakadhi ako. Ipapo iwe uchakwanisa kushandisa kadhi yako muATM kana kuisvibisa pane imwe nzvimbo-ye-kutengesa kugara uye kugamuchira mutengesi ne PIN yako nhamba.
• Tora iwe chip-chip-pin-kadhi. Mazhinji emabhanki makuru eMamerica ari kuipa iye zvino kana kutora makambani ekutengesa kwevashandi uye makadhi esayina ne chip and card card. Kana bhizinesi rako risati rava naro, shandisai akaunti pabhangi inogona kukupa imwe.

Uye iyo Inosangana neNyaya

Kubva muna 2014, mari yakawanda uye makadhi emakwereti akabudiswa kune vashandi ve UK vakagamuchira mari yekusabhadhara . Kana kadhi racho riine, pane chiratidzo chinoratidzika semafungu emhepo akadhindwa pamakadhi. Aya makadhi anogona kushandiswa kwemari maduku (muna 2017 kusvika ku £ 30 muUnited States) kuburikidza nokuaisa pazvigaro zvakasimwa zvakafanana. Zvinyatsonaka, makadhi aya anogona kushandiswa seCyster Cards kuti awane London Underground, London mabhazi. London Munharaunda uye Docklands Light Railway.

Kana iwe uri kushanyira UK kubva kuCanada, Australia kana nyika dzakawanda dzeEurope, iwe unogona kunge uine imwe yemakadhi asingatauri uye iwe unogona kuishandisa muUK chero ipi zvayo isina chiratidzo chisingaoneki pamutengo wekubhadhara. US card issuers havasati vapa mabhizinesi asina kubhadhara uye makadhi emakadhi kuitira kuti kana iwe wakabva, tinotya kuti uri kunze kwedambudziko iye zvino. Kana iwe ukakwanisa kushandisa kadhi risingafambidzani, gara uchiyeuka kuti kutengeserana kwako kuchave kuri pasi pezvimwe zvipi zvekunze kutengeserana mari yako bhangi kana makadhi ekubhadhara.

Vateresi 'Checks

Vatengesi vekufambira vaimbova mutambo wegoridhe kana paine kutakura mari yekufambisa. Uye zvichida, mune dzimwe nzvimbo dzenyika vangave vachiri nzira yakachengeteka, asi ikozvino ndiyo inodhura uye inonyanya kusagadzikana yeKU.

The Pros

1. Ivo vakachengetedzeka zvikuru - Chero bedzi iwe uchichengeta rekodhi yenhamba yekuchechedza (yakasiyana nemacheke pachavo), uye chero bedzi iwe uchichengeta nhamba yepamhanho yekudana munyika yaunoshanyira, unogona kurasikirwa kana kubiwa checks rakatsiviwa nokukurumidza, pasina mari yakawedzerwa.
2. Iko inowanikwa mune mari yakawanda kusanganisira madhora, Euros uye pounds sterling.

The Cons

1. Zvinodhura, zvichida nzira inodhura zvikuru yekutora mari kune dzimwe nyika. Kutanga kubva, iwe kazhinji unotambirwa chikwereti chimwe chemazana ehuwandu hwekutengesa kwaunotenga. Kana iwe ukavatenga mune imwe nyika mari - mune mamwe mazwi iwe unoshandisa madhora kuti utenge vafambi vanoongorora maundi mapaundi sterling - mutengesi wekutengesa zvekutengesa zvinoshandiswa uye iwe unogona kubhadhara mutemo wekushandiswa kwemari. Kana iwe ukavatenga muhurumende, uchigadzirisa kuitsinhanisa nemari yemunharaunda iwe paunosvika, iwe ucharamba uine kubvuma kutengesa kutengesa kwekutsvaga (kazhinji kazhinji zvisingabatsiri kudarika interbank purogiramu yezuva) uye zvichida kune imwe nyika currency commission zvakare.
2. Izvo hazvisi nyore. MuUnited States, kunze kwevatasvi vemakwikwi akadai seHarrods , uye mahotera akadhura, kusina rimwe rezvitoro, maresitorendi nemahotera anozvigamuchira. Zvechokwadi, vashomanana vashomanana muUnited States kunze kwekuti chero rudzi rwekuongorora zvachose. Saka iwe unofanirwa kutsvaga mahofisi ekuchinja, mabhangi uye mahofisi emahofisi - panguva yevhiki rekushanda kwemaawa, kuti uwane mari. Bhizinesi rekutsvaga mabhizimusi, zita rechiEurope nokuda kwekutengeserana kwemari yekutengeserana, inobatsira kuita mabhizinesi uye kazhinji inopa mari yakaipisisa kuchinja. Uye mabhangi achangotarisa vatengesi vemari chete kana vane izvo zvinozivikanwa sehukama hwebvumirano nebhangi rakavabudisa.

3. Kubhadharwa Mari Makadhi

Imwe nzira yakakomberedza chip-chip-pin-pin ndeyekuti uzvitengere iwe kadhi yemari yakabhadharwa, yakadai seTravelex Cash Passport kana kuti Virgin Money Prepaid MasterCard. Aya ndiwo makadhi iwe unobhadhara mari yako kana mari yako yaunoda kupedza. Vamwe vanogona kubhadharwa nemari yakawanda panguva imwe chete. Makadhi anobatanidzwa neimwe yemakambani makuru epakati memakadhi - kazhinji VISA kana MasterCharge, akabatanidzwa ne chip-na-pin technology uye inogona kushandiswa chero iyo iyo makadhi echikwereti anowanzogamuchirwa.

The Pros

1. Nzira iri nyore ku chip-uye-pin
2. Zviri nyore kudzora mari yako. Iwe unokwereta kadhi yacho chaizvoizvo zvaunoda kushandisa uye wobva waishandisa semari.
3. Kuchengetedzwa kunovimbiswa chero bedzi iwe uchidzivirira PIN yako nhamba.

The Cons

1. Kumusoro kwekutenga mutengo uye yakakwirira kudarika chikamu chemari yeATM yemari inogona kuwedzera kune mari
2. Vamwe vanongorayirwa chete nemari yakawedzerwa mumunhu webazi rebhizimisi rakazvitengesa kwauri, munyika yako.
3. Mhosva yakavanzwa - kana iwe ukasiya chikero pane kadhi, uchironga kuishandisa kune rumwe rwendo rwokunze kune dzimwe nyika kana zvimwe zvekushandisa zvakakosha, unogona kuwana kuti kuenzanisa kunobviswa pamwedzi "kusashanda" kwemwedzi. Verenga shanduro yakanaka.

Uye imwe yekupedzisira inonyevera nezvekadhi rakabhadharwa.

Chero zvaunenge uchiita, usashandisa makadhi aya kuti utsigire hotera yako kana kuti motokari yemari inoshandiswa kana kutenga petrol kubva pamapombi. Mune mamiriro ezvinhu aya, mari-iyo inogona kuva £ 200 kana kuti $ 300 - ichabatwa kuti ive nechokwadi chokuti iwe uchabhadhara chikwereti chako. Dambudziko nderokuti, kunyange iwe usingashandisi mari yakawanda iyo, inogona kutora chero mazuva makumi matatu kuti mari yacho isunungurwe. Munguva iyi, haugoni kushandisa mari yawaisa padhigiramu kwezororo rako rose. Shandisa kadhi rako rechikwereti chekusimbisa, uye gadzirisa mabhiriro ane kadhi yakabhadharwa.

4.Cash

Zvino, zvechokwadi, nguva dzose kune nguva yakaisvonaka mari yakare. Iwe unoda kuva nemari yemunharaunda yako muchikwama chako kune mazano , cab fares uye zvishoma kutenga. Kuwanda kwekutakura kwako kunoenderana nemari yako yekushandisa mari uye chivimbo chekutakura mari. Sokutonga kwechigunwe, chirongwa chekutakura nechokuita mumapundi mapfumbamwe sezvaunogona kutakura mune mari yako pachako kana uri kumba.