WISE barnaamijka xawilaadda caalamiga ah

Sidee loo bedelaa lacag caalami ah?

Ka shaqeyn caalami ahaan, guud ahaan socdaalaya, ama bixinta khabiirada lacagaha kale, waxaan had iyo jeer u soo qaadnaa su'aashaan: waa maxay habka ugu wanaagsan ee loo diro dibadda?

CAQLI: lacag u dir dibadda, sicir beddelaad wanaagsan iyo khidmad jaban, barnaamijka ugu wanaagsan ee adeegyada xawaaladda internetka.

Sidee loo bedelaa dibada

Iyadoo la adeegsanayo waqti ka badan dhowr qalab, oo ay ku jiraan Western Union, bangiyada, ama Paypal, dhammaantood waxay leeyihiin 2 arrimood oo waaweyn. Way qaali yihiin, wayna adag tahay in la isticmaalo.

Talaabooyin badan ayaa loo baahan yahay, qiimaha macaamilka iyo heerka ugu dambeeya maahan mid aad u cad, macluumaad badan ayaa loo baahan yahay si loo dejiyo xisaabta ama wareejinta.

Western Union ayaa ah kuwa ugu fiican (ama ka badan sida kan kaliya ...) si ay ugu diraan lacag qof aan lahayn xisaab bangi.

Si kastaba ha noqotee, haddii qaataha uu leeyahay koonto bangi, ikhtiyaarka ugu fiican hadda waa CAQLI!

Adeegsiga adeegga in ka badan 3 sano, oo leh qancin weyn. Sicirku mar walba waa mid hufan, dhexdhexaadintu waa mid saaxiibtinimo leh, khidmadu waa mid aad u yar, waxaana la shaqeeyaa waqtigeeda (4 maalmo shaqo oo lala yeesho bangiga, ama 1 maalin oo kaliya oo leh ikhtiyaar bixinta kaararka deynta). Xitaa waxaad dooran kartaa inaad u soo dirto qaddar qeexan oo ah lacagta asalka ah, ama lacagta lagu bartilmaameedsanayo (iwm., Waxaad dooneysaa inaad u dirto 400 AED maalinta UAE maalinta ku xigta, oo aad ku bixisay kaadhka deynta ee EUR oo aan loo eegin heerka sicirka hadda).

XIKMAD habka ugu wanaagsan ee lacag loogu diro dibadda

Waxa kale oo ay taageertaa lacago badan oo kala duwan - xilligan, waxaad u diri kartaa (oo aad heli kartaa) dhammaan lacagahan:

• Australia Australian Dollar AUD,
• Bulgaariya BG Bulgaariya Lev BGN,
• Brazil BR Brazilian Real BRL,
• Canada CA Canadian Dollar CAD,
• Switzerland Switzerland Swiss CHF,
• Czech Republic CZ Czech Koruna CZK,
• Danmark DK Krone DKK,
• Ururka Midowga Yurub EU Euro,
• Boqortooyada Ingiriiska UK Pound GBP,
• Hungary HU Hungarian Forint HUF,
• Japan JP Japanese Yen JPY,
• Noorway Noone Krone NOK,
• New Zealand NZ New Zealand Dollar NZD,
• Booliiska PL Polish Polish Zloty PLN,
  
• Romania RO New Romanian Leu RON,
• Iswiidhan SE Swedish Krona SEK,
• Singapore SG Singapore Dollar SGD,
• Mareykanka Mareykanka US Dollar USD.
  

Xawilaadda lacagta ugu jaban

Waxaad sidoo kale ku heli kartaa lacagaha soo socda - ha u dirin weli, laakiin waxay u badan tahay keliya su'aasha waqtiga:

• UAE UAE UAE UAE UAE UAE Dirham AED,
• Bangladesh BD Bangladeshi Taka BDT,
• Chile CL Chilean Peso CLP,
• Georgia GE Georgian Lari Geel,
• Hong Kong HK Hong Kong Dollar HKD,
• Indonesia ID Indonesia Rupiah IDR,
• Hindiya India Indian Rupee INR,
• South Korea KR South Korea Won KRW,
• Sri Lanka LK Sri Lankan Rupee LKR,
• Morocco MA Moroccan Dirham MAD,
• Mexico MX Mexican Peso MXN,
• Malaysia MY Malianian Ringgit MYR,
• Philippines PH Philippine Peso PHP,
• Pakistan PK Pakistan Rupee PKR,
• Russia Ru Ruub Rubub RUB,
• Thailand TH Thai Bhat THB,
• Turkiga Turkiga Lira TRY,
• Ukraine UAL Ukraine Hryvnia UAH,
• Vietnam VN Vietnamese Dong VND,
• Koonfur Afrika ZA South African Rand ZAR.

Si aad u bilawdo, nidaamka galitaanka waa mid fudud - kaliya isticmaal xisaabtaada Facebook ama Google, tusaale ahaan, ka dibna waxaad ku gali kartaa hal guji.

Sidaa darteed, haddii aad u baahato inaad ku sii socoto xawaalad caalami ah, ha sugin inaad isticmaasho adeeggooda cajiibka ah!

Xawilaadda lacagaha caalamiga ah

Tusaale ahaan, waxaan si guul leh u isticmaali karaa bil walba si aan ugu wareejiyo xisaabteyda bangiga bankigeyga bangiga My French, maadaama aan haysto kaar ciiwaanka oo ka fiican isticmaalka maalinlaha ah.

Waxaan sidoo kale u adeegsaday WISE lacagaha wareejinta si aan ugu iibsado bikini bikini ah oo reer Brazil ah dukaan MI MorenaBeachwear ee kuyaala Dubai, lacag bixinta xitaa way ka fududeyd wareejinta bangiga.

Kaliya wuxuu lahaa inuu helo faahfaahinta bangiga xiriirka, dejinta wareejinta qaddarka go'an ee go'an, oo bilaabi kala iibsiga.

Kaadhka amaahda amaahda

Xitaa sii sii wad adoo dalbanaya kaarka amaahda ee BorderLess oo leh koontadaada WISE, kaarka deynta ee bilaashka ah oo aad ku awoodi doonto inaad ku bixiso dhammaan lacagaha laga furay WISE, ka dib markaad sameysatid xisaab lacag, ama lacag kasta oo adduunka ah oo leh adduunkooda ugu jaban ujrada

CAQLI sida ay u shaqeyso?

Adeegga xawaaladda caalamiga ah ee ugu jaban waa WISE, oo ah xalka xawaaladda ee xawaaladda caalamiga ah, oo leh labadaba codsi moobiil ah oo loogu talagalay xawaaladaha jaban, iyo degel sidoo kale sameeya lacagaha ugu jaban.

Waxay ka dhigaysaa lacag ka duwan lacagaha caalamiga ah ee ka baxsan xalka dhaqameedka sida xawilaadda bangiga, PayPal ama WesternUnion, sababtoo ah waxay u shaqaysaa si kala duwan.

Sidee caqliga u shaqeeyaa? Ugu horreyntii, ma laha meel muuqaal ah, iyagoo hoos u dhigaya qiimaha. Kadib, si aad u isticmaasho WISE, waxaad lacag ugu gudbin doontaa koontada maxalliga ah koontadooda maxalliga ah, iyada oo khidmad ku dhow eber ay ku sii jirto isla lacagta. Kadibna, WISE waxay u adeegsan doontaa koontadooda maxalliga ah lacagaha loo diro xawaaladda si ay xawaalad kale ugu sameyso qofka qaata, sidaas darteedna wax lacag ah ugama beddelayso nidaamka wareejinta dhaqameed, laakiin waxay si fudud ugu isticmaalaysaa koontadooda bangiga maxalliga ah lacago kala duwan, oo leh laba lacag kharash la'aan.

Sidee lacag loogu diri karaa XIKMAD? Si fudud isdiiwaangali adigoo adeegsanaya iskuxiraha la bixiyay, sameysanaya koonto, iyo dejinta xawaalad ka timaada lacagtaada maxaliga ah kuna socota lacagta qaataha… oo raac tilmaamaha. Waa intaas!

Barnaamijka ugu wanaagsan ee xawilaadda lacagta caalamiga ah

Mid ka mid ah barnaamijyada ugu wanaagsan ee xawilaadda lacagaha adduunka waa WISE, iyadoo khidmadaha celcelis ahaan 8 jeer ka hooseeyaan bangiyada.

Waxa xitaa ka sii fiican, ma aha lacagta aad u yar, laakiin heerka beddelka suuqa weyn. Halkani waa meesha aad dhab ahaan u bixin doontid wax ka yar, maadaama bangiyada badankood iyo adeegyada beddelka ay ku dhuumanayaan khidmadooda ka dambeeya heerarka sare ee wareejinta, sidaa darteed ma sheegan lacagta dhabta ah ee ay qaadanayaan.

Taasi waa, markaad lacag dibadda u dirto bangiga, waxay badanaa ku kacaan khidmad aad u sarreeya, oo aad u isticmaasho heerarka isbeddelka waalida, kuwaas oo inta badan ka fog suuqa qiimaha.

Adiga oo adeegsanaya WISE, waxaad lacag badan ku keydin doontaa xawilaadahaaga caalamiga ah. Si fudud iska diiwaangeli adigoo isticmaalaya isku xirka hoose, soo deji barnaamijka, oo bilow inaad lacag u dirto caalamka.

Sida loo sameeyo xawilaad caalami ah oo caalami ah

Sida ugu wanaagsan ee lagu samayn karo wareejinta caalamiga ah ee jaban waa adeegsiga adeegga 'WISE service', oo ku dhow in aan lagaa qaadin khidmadda beddelka xawaaladdaada caalamiga ah.

Tusaale ahaan, sida taariikhda kontoroolka, lacag jaban oo caalami ah oo caalami ah ee 1000 New Zeland Dollars ayaa ku siin doona 507 Pound British Pound; $ 1000 oo lacag ah oo qiimaha caalamiga ah ayaa laguu siin doonaa 761 GBP, qiimaha raqiis ah ee caalamiga ah ee 1000 euro wuxuu ku siin doonaa 1135 CHF, oo ah lacag raqiis ah oo caalami ah oo 1000 Milyan oo doolar ah ayaa lagu siin doonaa 938 CAD, oo ah lacag raqiis ah oo caalami ah oo u dhiganta 1000 GBP wuxuu ku siin doonaa 1766 SGD, oo ah lacag raqiis ah oo caalami ah oo lacag ah oo ah 1000 GBP ayaa kuu heli doona 375000 HUF.

Isbarbardhigga xawaaladda lacagta caalamiga

Let’s take an example of an Isbarbardhigga xawaaladda lacagta caalamiga of 1000GBP British Pounds to Euros:

• 1120EUR waxaa heli doona qofka qaata ee leh CAQLI,
• 1078.83EUR waxaa lagu helayaa qofka qaataha leh lacag caddaan ah ee WesternUnion,
• 1092.59EUR waxaa heli doona qofka qaataha leh TransferGram, oo lagu daray khidmadda adeegga 25GBP ee lacag bixinta,
• 1113.33EUR waxaa lagu siin doonaa qofka qaataha leh WorldRemit, oo lagu daray 3GBP ujrada lacagta lagu bixiyo.

Dhamaadka isbarbardhigga xawaaladda caalamiga ah, waxaa xiiso badan in loo adeegsado XIKMAD doorashada koowaad, iyo  WorldRemit   oo ah dookha labaad.

Si kastaba ha noqotee, waxay kuxirantahay sarrifka, lammaanaha lacagta la isticmaalo, iyo qaddarka la beddelay, adeegga ugu raqiisan ayaa laga yaabaa inay isbarbar dhigto, oo aad u isticmaasho midka ugu wanaagsan - ka dib oo dhan, waxaa jira Ma jiro rukhsad si ay u bixiso, sidaa darteed waad beddeli kartaa adeegga markasta oo laga faa'ideysto wareejinta lacagta ugu jaban ee mid kasta!

Su'aalaha Badanaa La Isweydiiyo

Waa hab wanaagsan oo lacag lagu diro?

Xigmaddu waa hab weyn oo lagu wareejiyo lacagta dibedda ee dibedda oo leh heerar beddelaad wanaagsan iyo ajuuro raqiis ah. Sida laga soo xigtay dib u eegista, tani waa dalabka ugu fiican ee wareejinta lacagta qadka.

Faa'iidooyin noocee ah ayaa ah in xisbiga Tartanka Lacagta ee Xirowga Caalamiga ah ee Lacagta loo soo bandhigo, sideese isbarbar dhigtaa hababka dhaqameed ee lacag dibadda loogu diro?

Waxay bixisaa faa iidooyin sida ajuuro hoose, sicirka sarrifka dhabta ah, iyo is-dhexgalka isticmaaleyaasha-saaxiibtinimo. Waxay isbarbar dhigeysaa si ku habboon qaababka dhaqameed iyadoo la siinayo si dhakhso leh, oo ka jaban, iyo adeegyo xawilaad oo caalami ah oo hufan.