Revolut, Monzo ne-bunq: ukwaba ibhili noma i-ledger ehlukile
Qhathanisa ukwaba ebhange ne-app ehlukile: isicelo esisodwa, izindleko eziqhubekayo noma ukuthenga kwabantu abaningi. Hlola nezivakashi nokubuyiselwa.
ULindiwe ukhokhela indawo yempelasonto, uMandla athenge ukudla, uZanele akhokhe ithekisi. Ngamunye angathola inkinobho yokwaba eduze kwenkokhelo yakhe. Kodwa ekugcineni kudingeka umehluko phakathi kwakho konke umuntu akukhokhile nakho konke avume ukukwaba. Isicelo sendawo kuphela singaphuthelwa ukuthenga kwabanye uma kungafakwanga erekhodini.
Sebenzisa ukwaba ukuthengiselana kwenkokhelo ethile, ne-ledger yeqembu ezindlekweni ezikhokhwa abantu abaningi. Revolut neMonzo sezinezindlela zeqembu, kuhlanganise izivakashi ezisebenzisa amanye amabhange; bunq ixhuma neTricount. Khetha irekhodi wonke umuntu angalihlola, uhlukanise isicelo sokukhokha nemali etholakele ngempela. Ukumema umuntu, ukumcela imali nokuthola inkokhelo akusona isinyathelo esifanayo.
Isicelo sokukhokha nebhalansi yeqembu zenza okuhlukile
Isicelo singathi: «Ngicela uthumele isabelo sakho salesi sidlo». I-ledger ihlanganisa leso sidlo nethekisi elikhokhelwe omunye negilosa yowesithathu. Ibonisa okusele ngemva kwazo zonke lezo zinkokhelo.
Kokubili kungasiza. Ukuthenga kanye kungadinga isicelo kuphela. Uhambo olunabakhokhi abaningi ludinga irekhodi lazo zonke izindleko ezivunyelwe. Isici seqembu esixhumene nebhange singaba yilelo rekhodi; akudingeki ngokuzenzakalelayo enye i-app.
Lokhu kuqhathanisa izindlela zokubhala izindleko, akusona isincomo sokuvula noma ukushintsha i-akhawunti yasebhange. Indlela yokukhokha ekhona ingahlala injalo. Ukubala uqobo kuchazwa ekutholeni ukuthi ubani okweleta bani.
Ukuqhathanisa izindlela ezixhumene nebhange
Lawa ngamakhono athile ahlolwe emakhasini asemthethweni esiNgisi ngo-23 kuMfumfu 2026. Revolut kubhekiselwa osizweni lwase-UK, Monzo ingumkhiqizo wasebhange wase-UK. Ukutholakala nokufinyelela kuncika ku-akhawunti, ezweni naku-app yamanje; akuqhathaniswa amanani enzalo, amacebo e-akhawunti noma ukufaneleka.
| Indlela | Ukuqala | Engakuhlanganisa | Okusadinga ukunakwa |
|---|---|---|---|
| Revolut Group Bills | Iqembu elidalwa ikhasimende le-Revolut | Izindleko zeqembu, amabhili afakwa ngesandla nezivakashi ezingenayo i-Revolut | Hlola abantu nezabelo; ukubhala ukubuyiselwa akuthumeli imali |
| Monzo Split | Ikhasimende le-Monzo liqala noma limeme | Single Split ne-Running Split eqhubekayo, kuhlanganise izivakashi ezingenayo i-Monzo | Khetha indlela efanele, uhlole abangakwenza izivakashi |
| Ukwaba inkokhelo ye-bunq | Inkokhelo ku-app ye-bunq | Izicelo zenani lomuntu ngamunye | Isicelo sodwa asihlanganisi konke okunye ukuthenga |
| bunq neTricount | I-akhawunti ye-bunq ekhona exhunyiwe | Ukuletha izinkokhelo ze-bunq kurekhodi elabelwanayo | Hlola izindleko nabantu, ugweme ukuphinda |
| I-ledger ehlukile njengeDonget | Iqembu lifaka okuvunyelwe | Ukuthenga ngezindlela zokukhokha ezahlukene nemisebenzi | Akukho ukuxhuma ibhange noma ukuhambisa imali; bhala izinkokhelo wena |
Umehluko awukona ukuthi «amabhange acela imali, ama-app abala». Ezinye izici zasebhange sezibala amabhalansi eqembu. Umbuzo owusizo ukuthi irekhodi linakho konke ukuthenga nokubuyiselwa okudingekayo yini.
Ukwaba ibhili nge-Revolut
Incazelo ye-Group Bills ye-Revolut ichaza ukudala iqembu ku-Payments, ukukhetha uhlobo lwemali nokusebenzisa Add a bill. Ungakhetha ukuthengiselana noma ufake ibhili ngesandla, bese ukhetha izabelo. Ngakho kubanzi kunokwaba inkokhelo eyodwa yekhadi.
Usizo lokumema luqinisekisa ukuthi ikhasimende lingamema abasebenzisa i-Revolut nabangayisebenzisi ngesixhumanisi noma ngekhodi ye-QR. Ungasikhiphi lesi sici ngokucabanga ukuthi bonke abangane badinga ibhange elifanayo.
Umkhawulo wokuhlola: ukujoyina, ukucela imali nokukhokha kuyizinyathelo ezahlukene. Hlola izinketho zabantu abathile abakhona. Irekhodi elithi imali ibuyisiwe kufanele lihambisane nenkokhelo yangempela, hhayi isicelo esithunyelwe kuphela.
Monzo Split: inkokhelo eyodwa noma eqhubekayo
Ikhasi lamanje le-Split lihlukanisa inkokhelo eyodwa nezindleko eziqhubekayo. Usizo lwezinyathelo lubiza lokhu Single Split no-Running Split. Okwesibili kungahlanganisa izindleko zasendlini noma iholide leqembu.
Lolo sizo luvumela nokufaka abantu abangasebenzisi Monzo. Usizo lwezivakashi luchaza ukungena ngesimemo sekhasimende. «Shared Tabs» engxoxweni endala kungabhekisela kulokho osekuthiwa Monzo Split.
Umkhawulo wokuhlola: kuqala umuntu osebenzisa Monzo, futhi isivakashi asifinyeleli zonke izici zekhasimende. Uma abangane abaningi bekhokha, khetha irekhodi eliqhubekayo kunokulindela izicelo ezihlukene zichaze ibhalansi yonke. Qinisekisa indlela yokubuyisela etholakalayo kunokucabanga ukuthi bonke banezikrini zokukhokha ezifanayo.
bunq: ukwaba inkokhelo nokuxhuma Tricount
Izinyathelo zokwaba ze-bunq ziqala enkokhelweni ye-akhawunti, zikuvumele ufake inani lomuntu ngamunye. Incazelo yezinkokhelo nayo ichaza izicelo nezixhumanisi zokukhokha. Lokho kusiza ekuthengeni okukodwa okwaziwayo.
Kukhona nokuxhuma ne-ledger. Tricount ichaza ukuxhuma i-akhawunti ye-bunq ekhona kanye nokufaka izinkokhelo ze-bunq njengezindleko, kuhlanganise ukuhlola imininingwane nababelana ngazo. Amathuluzi asebhange nazimele akudingeki abe ukukhetha okuphikisanayo.
Umkhawulo wokuhlola: inkokhelo yekhadi yangempela ayisho abavume ukwabelana ngayo. Hlola ukwabiwa nokutholakala kokuxhuma kwamanje. Uma ukuthenga sekubhalwe ngesandla, ukukuletha enkokhelweni akufanele kudale indleko yesibili.
Isibonelo: ukuthenga okuthathu, ukubuyiselwa okubili
ULindiwe, uMandla noZanele bavuma ukwaba impelasonto ngokulinganayo. ULindiwe ukhokha u-R1 800 wendawo yokuhlala, uMandla u-R600 wokudla, uZanele u-R300 wethekisi. Bonke abathathu bafakwe kuzo zonke izindleko, futhi akukabikho ukubuyiselwa.
| Umuntu | Okukhokhelwe izindleko ezabiwe | Isabelo sesamba esingu-R2 700 | Okusele |
|---|---|---|---|
| Lindiwe | R1 800 | R900 | Uzothola R900 |
| Mandla | R600 | R900 | Uzokhokha R300 |
| Zanele | R300 | R900 | Uzokhokha R600 |
Isabelo R2 700 ÷ 3 = R900. Okukhokhiwe kukhishwe isabelo kunikeza Lindiwe +R900, Mandla −R300, Zanele −R600, konke kube iziro. UMandla ubuyisela uLindiwe u-R300, uZanele ubuyisela uLindiwe u-R600. Lezi zinkokhelo ezimbili zivala konke futhi ziyadingeka, ngoba bobabili basanemali okufanele bayikhokhe.
Ukubheka indawo kaLindiwe kuphela kuphuthelwa ukudla kukaMandla nethekisi likaZanele. Iqembu eliqukethe konke okuthathu lingakubala ndawonye. Ukubala akudingi ukushintsha ibhange noma ukuvula i-akhawunti ehlanganyelwe; ukwaba ngama-akhawunti ahlukene nakho kuhlukanisa okhokhile nesabelo.
Gcina ukuthenga nokubuyiselwa erekhodini elilodwa
Khetha uhlu oluthathwa njengoluyilo ngaphambi kokuthumela izicelo. Faka ukuthenga ngakunye kanye, kuhlanganise imali ephathekayo noma okukhokhwe kwenye indawo ngaphansi kohlelo oluvunyelwe. Izinto zokuzikhethela zigcinwe kubahlanganyeli bazo; ukuhlela uhambo lweqembu kuqala isivumelwano ngaphambi kokuthenga.
Hlola osekubuyisiwe. Ukubuyiselwa kukaMandla okungu-R300 akusikho ukuthenga okusha. Isicelo sika-R300 asifakazeli ukutholwa nguLindiwe. Uma inani livela esicelweni naku-ledger, lisakweletwa kanye kuphela.
Iqembu lasebhange elijwayelekile linganele. I-ledger ehlukile ingasiza uma nifuna irekhodi lezindleko lizimele ku-app yebhange yomuntu othile. Ukugcina amabhalansi amabili ancintisanayo kuvame ukwengeza umsebenzi kunokucacisa.
Lapho Donget isiza khona
Faka ukuthenga okuthathu ku-Donget, ukhethe umuntu wangempela ku-Kukhokhwe ngu no-Ngokulinganayo kwabathathu. Hlanganisa izikweletu ibonisa okusasele. UMandla noZanele bakhokha ngendlela yabo, bese bekhetha Kukhokhiwe ukubhala osekwenzekile. Umlayezo omfushane oqondile ungenza ukubuyiselwa kube ingxoxo evamile.
Donget inemisebenzi eyabiwe uma okushodayo kungukuthi ubani ozohlela ukuthenga. Ayixhumi ebhange, ayingenisi ukuthengiselana kwamakhadi futhi ayithumeli noma igcine imali. Uma i-ledger esixhumene nebhange isivele yanele, akudingeki ukukopisha izindleko ku-Donget.
Imibuzo evame ukubuzwa
Ngilihlukanisa kanjani ibhili nge-Revolut?
Usizo lwayo lwase-UK luchaza Group Bills: dala iqembu ku-Payments, faka ibhili ekuthengiselaneni noma ngesandla, ukhethe izabelo. Hlola okutholakala ku-akhawunti naku-app yakho.
Bonke badinga Revolut ukuze bajoyine Group Bills?
Usizo lwamanje lwase-UK luthi ikhasimende lingamema nabangasebenzisi Revolut. Ukujoyina akusho ukuthi bonke banezinketho zokukhokha ezifanayo.
Ngingalihlukanisa ibhili nomuntu ongasebenzisi Monzo?
Monzo Split isekela izivakashi ezingenayo ngesimemo sekhasimende. Sebenzisa Single Split kwenkokhelo eyodwa noma Running Split ezindlekweni eziqhubekayo, uhlole ukufinyelela kwezivakashi.
bunq isebenza neTricount?
Tricount ichaza ukuxhuma i-akhawunti ye-bunq ekhona nokuletha izinkokhelo zayo njengezindleko. Hlola imininingwane, abantu nokutholakala kwamanje, ungafaki kabili ukuthenga osekuvele kubhaliwe.
Isici sasebhange singanele ohambweni lweqembu?
Singanele uma irekhodi liqukethe konke ukuthenga okuvunyelwe, abakhokhile, izabelo nokubuyiselwa. Isicelo senkokhelo eyodwa siwumsebenzi omncane kunokuhlanganisa ukuchitha kwabantu abaningi kulo lonke uhambo.
Donget idlulisela imali yokuhlanganisa izikweletu?
Cha, ibhala izindleko nezinkokhelo eziqediwe kodwa ayithumeli noma igcine imali noma ixhume ebhange. Khokha ngendlela ejwayelekile, bese ubhala inkokhelo.
Khetha indlela wonke umuntu angayihlola
Qala ngobubanzi: inkokhelo eyodwa noma izindleko eziqhubekayo zeqembu. Hlola izivakashi nezici zamanje, ugcine i-ledger eyodwa ethathwa njengeyiyo, ubhale imali etholakele ngokwehlukana nezicelo. Ukubala kufanele kuchaze isivumelwano, noma ngabe liphi ithuluzi elikugcinayo.
Landa Donget mahhala ukuze ugcine ukuthenga okwabiwe, imisebenzi nokubuyiselwa kwangempela kurekhodi elizimele.
