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Je, ni benki gani inatoza gharama nafuu?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Kimbori, Oct 9, 2012.

  1. Kimbori

    Kimbori JF-Expert Member

    #1
    Oct 9, 2012
    Joined: Feb 21, 2012
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    Nimekuwa nikitumia akaunti ya kawaida (Savings Account) ya CRDB, kwa sasa naona gharama zimezidi na hata sioni umuhimu wa kuwa na akaunti benki.
    CRDB wanatoza 1,000/- kama gharama za kuendesha akaunti kwa mwezi na 600/- kwa kila ninapotoa hela kupitia ATM.
    Naomba kujua benki gani inatoza gharama nafuu, maana nahisi nanyonywa.
     
  2. Nyenyere

    Nyenyere JF-Expert Member

    #2
    Oct 10, 2012
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    Kibubu mkuu.
     
  3. M

    Mbwambo JF-Expert Member

    #3
    Oct 10, 2012
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    Jamani hata mimi sikujuwa kama kila ninapotoa hela kwenye ATM nakatwa 600/=? DUU NI HELA NYINGI KWA KWELI NA NINASHUKURU KUNIAMBIA HILO NILKUWA SIJUI
    Ila sijui kwa kweli Bank inayotoa gharama nafuu zaidi ya CRDB na labda BANK YA POSTA?
     
  4. KakaJambazi

    KakaJambazi JF-Expert Member

    #4
    Oct 10, 2012
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    Kwangu wakikata patachimbika.
     
  5. Katavi

    Katavi Platinum Member

    #5
    Oct 10, 2012
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    Jaribu EXIM
     
  6. Nyati

    Nyati JF-Expert Member

    #6
    Oct 10, 2012
    Joined: Mar 6, 2009
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    Sijui wanasema kuruka nini kukanyaga nini. Mimi ni mteja wa huko unakotaka kimbilia, kwa kifupi ni Hatari hata hivyo kuna faida tuanze na hizo

    FAIDA:
    1. Hakuna foleni za kukera labda pale Mlimani City tena jumamosi na jumapili
    2. Mwingine ataongezea

    Hasara:
    1. Makato kibao, ukiomba salio, uki-draw kwenye ATM, uki-draw ndani (hapa unapigwa faini pia)
    2. Makato makubwa - ku-draw nafikiri ni 750/= halafu kama unataka say 400,000/= inatakiwa ulipe 1,500/= kwani unatoa ktk instalment mbili
    3. Kuanzia saa 11 hadi saa 1 jioni hakuna huduma ya ATM services, sijui wanakuwa wanafanya nini?
    4. Interest rate nafikiri ni 1.5% ukiwa na 1M and above below that hakuna
    5. Service kama nakumbuka ni kama 7,500/= kwa mwezi
     
  7. TANMO

    TANMO JF-Expert Member

    #7
    Oct 10, 2012
    Joined: Apr 12, 2008
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    Plus, Customer care Mbovu na Ahadi Hewa na majibu mabaya kwa wateja sijapata kuona..
    Nilifungua Akaunti kwenye gari lao moja hivi kwa ahadi ya kuchukulia Acc No. yangu Mlimani City..
    Nikaja kwenda MC Branch baada ya wiki mbili kwa lengo la kuchukua Acc No na kudeposit, nikaambiwa Documents zangu hazijakamilika hivyo nirudi kesho yake watakuwa wamefungua Akaunti anyway..
    Nilipohoji kwa nini sikutaarifiwa kwa njia ya simu kupitia namba nilizoambatanisha nikajibiwa kuwa nishukuru wamekubali kunifungulia pamoja na hayo mapungufu, hivyo nirudi kesho yake nitapewa Acc No yangu,,,,
    Niliapa kutokukanyaga pale milele.

    Kumbe pamoja na madhaifu hayo, bado wana makato makubwa hivyo?
    Thanks for sharing.
     
  8. Kennedy

    Kennedy JF-Expert Member

    #8
    Oct 10, 2012
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    Wakuu vp makabwera nmb?
     
  9. sun wu

    sun wu JF-Expert Member

    #9
    Oct 10, 2012
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    Hivi Benki kwanini wanatoza pesa kwa kuweka pesa..?

    Nchi nyingine mfano UK.., ukiweka pesa unapewa pesa (interest) na sio kutozwa..
    After all Ukiweka pesa benki wanakopesha wengine hivyo wanaifanyia biashara na kupata faida inabidi hio faida wakupe na wewe..

    Inabidi kuwa na kitengo cha Consumer Care (ili kibane mabenki na kuepuka huu wizi wa mchana kweupe)
     
  10. Johas

    Johas Senior Member

    #10
    Oct 10, 2012
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    Nenda pale "BB"(BARCLAYS BANK), Management sasa imekuwa serious na wateja, hakuna hayo "Mazingaombwe''
     
  11. COURTESY

    COURTESY JF-Expert Member

    #11
    Oct 10, 2012
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    foleni lake utaliweza mkuu!!foreni hadi kwenye atm
     
  12. Micha

    Micha JF-Expert Member

    #12
    Oct 10, 2012
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    Labda kama hauna hela au unaweka hela zako chini ya godoro, lakini kama unapeleka hela zako benki lazima tu jamaa watakuwa wanachukua chao mapema. Nenda kachukue statement yako mkuu uangalie wanavyo kuchinja kila ukchukua hela na kila mwisho wa mwezi.
     
  13. Maundumula

    Maundumula JF-Expert Member

    #13
    Oct 10, 2012
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    Mida hiyo nadhani wanakuwa wanafanya end of day kwenye system, itakuwa inatoka kwa benki nyingi hii kitu.
     
  14. Maundumula

    Maundumula JF-Expert Member

    #14
    Oct 10, 2012
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    Hata hapa bongo zipo benki nyingi ambazo ukiweka pesa hata kwenye account ya Savings kawaida kila muda fulani unapata interest.

    Tatizo lenu mmeshazoea benki zenu hizo 3.
     
  15. Z

    Zion Daughter JF-Expert Member

    #15
    Oct 10, 2012
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    Sasa si ndo ufunguke uzitaje..na ndio lengo la thread..

    Halafu hawa BOT si ndio kaz yao kudhibiti hiz gharama.
     
  16. ze encyclopedia

    ze encyclopedia JF-Expert Member

    #16
    Oct 10, 2012
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    usipate taabu.. Nenda first national bank upate savings akaunt ya ukweli. Yaani mimi hawajawahi kunikata hela yoyote wakati natoa ua kuweka. Hakuna cha monthly charges wala nn na wananiwekea faida(interest) ya kuanzia asilimia 6 nikiwa na shs 50,000 na kuendelea kwenye akaunt. Yaani huwa zinaongezeka tu... Try and u will see.. I advise u
     
  17. Maundumula

    Maundumula JF-Expert Member

    #17
    Oct 10, 2012
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    Sio kazi ya BOT kudhibiti gharama zinazotozwa na mabenki.

    BOT wanachofanya ni kuweka uwanja huria mabenki yaje yashindane.

    Kazi yao kubwa ni kuyaangalia mabenki ku minimize RISK ili kile kidogo cha wananchi kisipotee.

    Kama wewe ume sign mkataba wa kufungua account ukakubaliana kwamba tariffs zinaweza kubadilika wakati wowote bila notice hapo msaada gani tena tukupe mamdogo?
     
  18. Kimbori

    Kimbori JF-Expert Member

    #18
    Oct 10, 2012
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    Ahsante ze enclopedia! Ila naomba ufafanuzi kidogo kuhusu:
    i) mahali yalipo matawi; ikiwemo kama wana matawi mikoani;
    ii) je nitapata wapi wadhamini kwa kuwa benki nyingi zinahitaji wadhamini na mimi sifahamiani na mteja yeyote, kumbuka watu wengi hawapo tayari kuadhamini watu wasiowajua kwa kuwa wezi ni weng.
    Naomba maoni juu ya benki zingine
     
  19. King Kong III

    King Kong III JF-Expert Member

    #19
    Oct 10, 2012
    Joined: Oct 15, 2010
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    Nmb.

    .
     
  20. rmashauri

    rmashauri JF-Expert Member

    #20
    Oct 10, 2012
    Joined: Jan 29, 2009
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    Mkuu hii siyo kweli hata kidogo. Nafikiri unaongelea Benki nyingine na si Exim Bank. Katika benki ambazo gharama ya kuwa na akaunti huko ni karibu na bure Exim ni mojawapo. Mimi ni mteja wao pia. Hata kwenye website yao inasomeka kama ifuatavyo:

    Faida account is a saving account that counts, it comes with:

    • International debt Master card
    • Free ATM withdrawal charges
    • Free accident death insurance coverage of TSH 1 million
    • Free online bank statement
    • Free SMS Banking
     
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