Financial (Maize)									Xhosa

Ukuqonda iFICA xa uvula iakhawunti yasebhanki

Imiyalelo: 

Folio strap: Imibandela yemali

Byline: Ulwazi luqhelaniswe ukusuka kunxibelelwano ngekhompyutha



Abavelisi abaninzi bafumene amava eenkxwaleko xa bebezama ukuvula iakhawunti entsha yebhanki. Oku kwenziwe kukuba uMthetho oMiselweyo weZiko lobuLumko kwezeMali yowe-2001 (FICA) ufuna ukuba iibhanki okanye amashishini ezolimo abe nolwazi olungqalileyo malunga nabaxumi nokulandela ngoqwalaselo kunye nengxelo ngeziganeko zotshintshiselwano ezikrokrelekayo ezinokuvela ngenxa yeenkqubo zolwaphulo-mthetho.


Ihlabathi liguqukile. Ukwanda kolwaphulo-mthetho nogrogriso kunyanzele amazwe amaninzi ukusebenzisana ngelinge lokulawula obu butyobo. Sibulela umthetho ophakanyisiweyo nemvisiswano yehlabathi, iziphatha-mandla ngoku zithwaxa izaphuli-mthetho apho kubuhlungu khona – epokothweni. Izaphuli-mthetho nabagrogrisi bafuna imali ukuze baphile. Bajika imali “engcolileyo” abayifumana ngobuqhetseba, ukuthengisa iziyobisi, ukuthubelezisa nangokukhuthuza ngokuthi bayenze imali “ecocekileyo” ngokusebenzisa iindlela zokuzichonga zobuqhetseba okanye ngokusebenzisa amagama abantu abangenatyala abafana nawe. Le nto ifana “nokucoca imali”. Lo mkhwa awudli amazwe izigidi eziphinda-phindwe ngezigidi kuphela ngonyaka, kodwa uxhasa ukwanda kogrogriso kwihlabathi liphelele. Ukunqanda lo mqukuqelo, urhulumente ngoku usebenzisa uMthetho oMiselweyo weZiko lobuLumko kwezeMali wenombolo 38 ka-2001.


Ngokuhambelana nomthetho ophakanyisiweyo omtsha zonke iibhanki kufuneka zisebenzise iinkqubo ezingqongqo ngakumbi zokuvula iiakhawunti ezintsha. Oku kuthetha ukuba, ukuze sikwazi ukuthobela lo mthetho, ibhanki ifuna ukuba unike obunye ubungqina ngaphezu kwe-ID xa uvula iakhawunti yebhanki. Lo mthetho ukwafuna ukuba iinkcukacha zobuqu bakho zihlale zihlaziywa rhoqo. Ezi nkqubo zisetyenziswa kwaye ziphunyezwa zizo zonke ibhanki.


Ibhanki okanye ishishini lezolimo malilufane iinkcukacha ezilandelayo kumhlali waseMzantsi Afrika:

I(ama)gama apheleleyo; 

Umhla wokuzalwa; 

Inombolo kamazisi (xa ingummi waseMzantsi Afrika) okanye inombolo ye-passport kunye nesizwe (xa ingengomntu walapha); 

Idilesi yokuhlala; kunye 

Neenkcukacha zoqhagamshelwano. 



Ukuze ukwazi ukuqinisekisa ukuchongeka abakufunayo kufuneka:

Umazisi wokuchongeka kwakho we-bar yekhowudi okanye, xa i-ID yakho ilahlekile okanye ibiwe, kufuneka i-affidavit okanye ingxelo yamapolisa, isiqinisekiso sesicelo sakho esiphindwayo se-ID kwiSebe leMibandela yaseKhaya; kunye

Ne-passport esasebenzayo; okanye 

Imvume yakho yokuqhuba yohlobo lwekhadi. 

Ukuze ibhanki okanye ishishini lezolimo liqinisekise idilesi yakho ohlala kuyo kufuneka ubanike uxwebhu olwamkelekileyo oluqulethe igama lakho nedilesi yendawo ohlala kuyo (Iinombolo zeePO Box azisayi kwanela), okanye inombolo yesiza kunye nesiphaluka.



