Utata kuhusu bank transfer yangu crdb leo asubuhi

[sikiolakufa]

Nawashukuru wana jamii kwa mchango wa mawazo leo asubuhi nilikwenda crdb azikiwe branch kuulizia transfer yangu ya pesa kutoka ng'ambo.....nimeambiwa kesho pesa zitakuwa cleared...inahitaji at least three business days....nilishangazwa kidogo na kitengo cha huduma kwa wateja ni kama kimehemewa hivi...pasco naomba unifafanulie zaidi maana niliambiwa shirika linalonitumia hela halina dollar account hivyo pesa ilibidi zipelekwe kwenye correspondent bank yenye dollar account na crdb....lakini mbona miezi mingine pesa zinaingia bila usumbufu? Kwa nini mwezi huu??​

 

[Shark]

Crdb wana usumbufu katika masuala ya foreign transaction.
nakumbuka nishawahi kufanya malipo fulani ya nje, cha ajabu naemlipa akaniambia kapata pungufu ya $59 wakati kwangu ilitoka kamili,
Nikamuambia aulizie benki yake labda wamekata chaji zao direct from transfer akaniambia no.
Kuja kuchunuza kumbe CRDB wanatumiaga mtu wa kati (intemediary bank) ambae kwanza anaongeza mlolongo wa transaction,
Pili gharama zinaongezeka kwani kama mtumaji, nakua tayari nishakatwa kiasi flani na haohao Crdb ukiacha na huyo mtu wa kati mwingine.

 

[luckman]

Hizo ni taratibu za kibenki, unapotumiwa pesa lazima uprovide information za wapi utalipwa pesa zako, lets say crdb, ilam lazima ujue, CRDB wanamantain account na CITI US33, so lazima pesa yako atakayeilipa lazima atoe instruction kuwa hizo pesa zilipwe kwenda CRDB.

So bank aliyolog hizo instruction watailipa citi us 33 na kuwaambia wadebit acc ya bank iliyotuma na kucredit crdb bank, na hii itawezekana kama bank iliyotuma pesa (applican bank ina acc na citi if not lazima atafutwe intermidiary bank mwingine atakayefacilitate pesa zinafika.

So kuna mambo mengi yakuzingatia ili pesa ifike (applican bank-------intermediary bank---beneficiary bank) the bank in between must have a relation with applicant and beneficiary bank if not another bank need to be included in btn as sec intermediary bank, lakini kama haya mambo yamepangiliwa vizuri na account za benki hizo zina balance ya kutosha pesa uliyotumiwa, pesa zinafika kulingana na applicant bank ilivyoinstruct.

Iinaweza kuwa siku hiyohiyo account ikadebitiwa or tom orspot (48hrs)kwa suala la charges kuna namna tatu inategemea na jinsi alivyotuma akisema sha means charges has to be shared wewe unabear charges zote ndani ya nchi na aliyetuma analipa zote nje ya nchi, akisema ben means beneficiary is responsible for all charges in and out na our means charges zote zinalipwa na wao waliotuma!nadhani atleast umepata picha kidogo!

 

[Mwita25]

Mi nadhani tatizo lako lingetatuliwa na CRDB na siyo Jamii Forums!

 

[luckman]

Mwita25 una matatizo sana!hapa ni habari mchanganyiko, hapa ni darasa, hapa ni kujuzana habari, sasa mtu akiomba msaada unamrefer kulekule anajua ila alitaka ufafanuzi zaidi!sawa baba au kijani ya jembe na nyundo imeingia hadi mwilini????