A tsakanin saving account da current account wanne ne yafi dacewa mutum ya mallaka?.

A tsakanin saving account da current account wanne ne yafi dacewa mutum ya mallaka?.

A wannan fanin mutane da dama basa bada muhimmanci akan wanne account na banki ya dace mutum ya mallaka. A tunanin mu Muna daukar saving account ne kawai domin mu ajiye kudi shikuma current account ga Wanda suke da manyan kudade ma’ana kudi masu yawa, saide akwai wani Abu Wanda Bamu sani ba dangane da wannan bankin me suna current account, bamuyi tsokaci akan wadannan bankuna…

CURRENT ACCOUNT
Shi wannan bankin me suna current account bankine Wanda ya hada da kasuwanci Wanda yake bada damar fidda kudi da Kuma sakawa.
Wannan bankin ya kasance Yana da saukakawa a bangaren amfani da cheque da Kuma electric debits machine wato ATM da sauran hanyar cire kudi ta yanar gizo, wannan bankin na current ya banbanta da sauran bankuna saboda Yana bada damar saka kudi da Kuma cirewa marad adadi.
Shikuma saving account Yana takaita saka kudi da Kuma cirewa.
Shi current account bankine Wanda ya hada da business account, student account da joint account.

SAVING ACCOUNT
Shikuma saving account bankine Wanda yake tare da interest earning wato kudin da banki suke cajar kwastoma yayin da yayi amfani da wannan bankin, wannan bankin ana amfani dashi Wajen saukin ajiye kudi domin amfani da a kananun bukatu. Saving account Yana takaita amfani dashi ta hanyar cirewa da saka kudi saide Yana da saukakawa Wajen amfani da kudi ko samun kudi cikin gaggawa kamar samun Aron kudi ko biyan kudin makaranta ko sayan mota da sauransu, dukkan kudin da aka ajiye acikin saving account Ana daukar interest earning rate ma’ana bankin na cajin kwastoma kudi sabanin current account.

MINENE BANBANCIN TSAKANIN SAVING ACCOUNT DA KUMA CURRENT ACCOUNT.

Zamu banbance su cikin yin amfani da Hanyoyi guda hudu 4.

1. Compatibility, ma’ana amfani ko aiki a tare cikin sauki da gaggawa, saving account bankine Wanda ya dace ga mutane masu daukar albashi ko Wanda suke samun kudi a Wata ko Kuma suke son ajiye kudi a duk Wata. Current account Yana aiki tukuru ga dubban mutane ko Dan kasuwa ko Kuma da me karamar Sana’a Wanda suke a duk lokacin zasu iya fidda kudi ko su aika shi cikin sauki ba Bata lokaci.
   Current account yafi dacewa ga mutum me saurin cire kudi domin yanxu akwai ATM ko POS ako Ina a fadin kasar nan sabanin current account Wanda yake da gagarumin tsaro da matakai masu wahala shiyasa ba’a fiya samun an datsi bankin current ba saboda tsaron sa dakuma tsarin sa.
2. INTERST RATE
   Saving account bankine Wanda za’a na cajar kwastoma kudi yayin da yayi amfani dashi sabanin current account Wanda ba’a cajar kwastoma kudi.
   Saide a halin yanxu manyan masu kudi ko kamfani ne suka fi amfani da current account, a takaice su kansu Banki Sunfi amfanuwa da kwastoma masu Saving account.
   Yawanci masu current account Basu fiya fidda kudi ba saboda haka Babu damar a caje su.

3 OVERDRAWING, ma’ana fidda kudi daga banki, yayin da ka fitar da kudi da yawa daga cikin bankin na saving account zasu iya cajarka kudu Mai yawa sabanin current account Wanda akwai wata kyauta ga dukkan Wanda ya fitar da kudi me tarin yawa daga cikin bankinsa.

4. MINIMUM BALANCE
   Wasu daga cikin saving account da current account suna bukatar adadin kudaden Wanda zaka barsu a cikin banki a da kafin wannan lokacin saide yanxu mafi yawan saving account zaku iya maida shi 0 balance Amma ga masu current account dole ne kabar adadin kudaden q cikin wadannan banki naka Wanda bazaka fitar ba.

Dafatan Kun fahimci amfanin current account da saving sannan wanne ya kamata ku mallaka acikinsu.
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