Ssiyola dyal ttajer: kifach tsayyer flouss 7anoutek kol nhar

Ssiyola w lmabi3at: zouj 7wayej mkhtalfin

Nhar y9der ykoun mzyan bzzaf f lbi3 w ykhelli lkaissa ta9riban khawya: chi 7essa tba3et b lkridi, w 7essa okhra tkhellas biha chi morrid, w 7essa khra mchat f masarif ddar. W bl3eks, kaissa 3amra nhar jjem3a f l3chiya ma kat9oul walo 3la lkra lli khasso ytkhelles ssimana jjaya.

Ssiyola katjaweb 3la so2al wa7ed: « Ch7al n9der nsta3mel men lflouss, daba, bla ma n7ett l7anout f ddi9a? » Bach tjaweb, khassek t3ref tlata d l7wayej: chno kayn (lkaissa w l7sab), chno khasso ydkhol (lkridi lli 3nd zzbayn), w chno khasso ykhrej (lmorridin, lkra, lfawatir, chchahriyat).

Fre9 flouss l7anout 3la flouss ddar

Hadi hiya l9a3ida lli katbeddel kolchi, w hiya s3ab wa7da t7afed 3liha f 7anout 3a2ili. Mnin katakhod men lkaissa l tte9dia dyal ddar, ma katb9ach 3aref wach l7anout kayrbe7 flouss. L7all sahel f lwr9a: l7anout kaykhellsek mablagh tabet, f tarikh tabet, b7al chchahriya, w lba9i dyalo howa.

• 7sab l l7anout, fin kaywslo tta7silat b QR, b rabt l khlas, b lkart wla b ta7wil.
• Mablagh tabet katkhelles bih rasek, mathalan kol simana, f blast ma takhod chwiya b chwiya kol merra.
• Mochtarayat ddar katkhellsha b lflouss chakhsiya dyalek, 3omrha ma tkoun nichan men lkaissa.
• Tta7wilat l chi 9rib katdouz men 7sabek chakhsi: f chari.ma, ta7wil l 7sab chari.ma akhor b 0 DH (tta7wilat).

L3ada dyal lekher d nhar

Ma khassekch barnamaj dyal l7isabat bach tbda. Kounnach wla molahada f ttelifounek kafya, b chart tktebha kol 3chiya, f nafs ssa3a:

1. 7seb lcash lli f lmjer w kteb l mablagh.
2. Jme3 tta7silat r9amiya dyal nhar men l historique dyal l app dyalek: QR, rwabet lkhlas, tta7wilat lli wslatek.
3. Kteb lbi3 b lkridi dyal nhar w lkhlasat dyal lkridi lli wslouk, zbon b zbon.
4. Kteb masarif nhar: lmorridin, ttawsil, w lmasarif sghira dyal l7anout.
5. Khebbi l7essa lli mkhessa l lmorridin w lmawa3id dyal ssimana.

Men b3d chi simanat, had l7sab lyawmi kaywelli b7al lou7at lmo9ada: katchouf liyam l9wiyin, liyam lkhawyin, lmorridin lli ta9lin kter, w zzbayn lli lkridi dyalhom kaytwal.

Cash 9lil f lkaissa, mkhater 9lal

Lcash 3ando taman mkhebbi: sserf lli khassek tl9ah, lghalat f sserf, khatar sser9a, w lmchi w lmji bach ddir lflouss. Kol khlas kaywsel nichan l 7sabek, hada khlas ma khassekch t7sbo, wla t7mlo, wla t7mih.

• F lkontwar, bayyen ramz QR dyalek: zzbon kayskani w kaykhelles, w lflouss kaywslo l 7sabek f chari.ma.
• Men b3id, sayft rabt l khlas wla charek RIB dyalek.
• Lmorridin dyalek, khellsehom men 7sabek b « Tkhelles tajer », b skani dyal ramz QR dyalhom wla b RIB (t7assel w tkhelles men l app).
• Lcash lli b9a, dirou f wikala cash bach t3emmer 7sabek, f blast ma tkhellih f l7anout.

Wajed rasek l lmawa3id lkbar

Lkra, kommandat ssel3a 9bel l3id, ddou dyal l7anout, chchahriya dyal chi mo3awin: had lmasarif machi mfaja2at, walakin katbanlek b7alha mnin ma katwajedhach. Ktebha f yawmiya sahla, chhar b chhar, w khebbi 7essa sghira kol simana f blast ma t9elleb 3la l mablagh kamel f nafs nhar.

Aw9at l3wayed w lmnasabat khasshom intibah khass: katchri ssel3a kter, w bkri, w lbi3 kayji men b3d. Hada howa lwa9t fin ssiyola katziyer kter. Wajedha 9bel b chi simanat, b ta9lil lkridi jdid l zzbayn w b tafkir lli 3lihom kridi deja.

Khadamat katdkhel lflouss kol nhar

Zbaynek deja kaytelbo mennek t3abbi lihom ttelifoun wla ykhellso fatoura 3ndek. B l app chari.ma, had lkhadamat kaytdaro men lkontwar dyalek: ta3biat ttelifoun, ada2 lfawatir w bita9at lhadaya. Kol w7da katwelled cashback wla 3oumoula 3la 7sab l7ajm dyalek, b chourout katt7edded m3ak (chouf ssaf7a Ttojjar). Hada dakhl mntadem, w kayjib 7tta nnas l l7anout.

Ila kat7assel 7tta online: 7sab d l2ada2 l charikatek

Mnin chi 7essa men lmabi3at dyalek katdouz men site, men rwabet lkhlas kattabb3hom men portail, wla men zbayn kaykhellso cash f lwikala, a7san tta7silat ywslo l 7sab d l2ada2 maftou7 b smiya d charikatek. Hadchi lli kay9tare7 mansa ChariPay: mansa d lkhlas maghribiya, PSP katsayyerha Chari Money, mo2assasa d l2ada2 mrakhkhsa men Bank Al‑Maghrib.

7sab d l2ada2 f ChariPay howa 7sab d l2ada2 7a9i9i, kaymsko Chari Money, maftou7 b smiya d charikatek, fih RIB b had smiya w chahada PDF tt7emmelha. Melli ynje7 chi khlas, l mablagh kaykoun mtwfer f had l7sab, w tsta3mlo f l7in: ta7wilat, fawatir, ta3bia. « Mtwfer f la7da f l7sab » ma kay3nich « ta7wil banki f la7da »: tta7wil l lbanka dyalek kayb9a 3amaliya mfer9a, b chakl automatique kol lila wla mnin tetlbo.

Men portail, katsayft ta7wilat l ay RIB maghribi: rrsoum tabtin dyal tta7wil kaybano 9bel tta2kid, w lmostafid kaytwassel bih f ajal 24 sa3a dyal l khedma. ChariPay machi banka: 7sab d l2ada2 dyalek kaymsko Chari Money. Kaykemmel lbanka dyalek, ma kaykhellefhach. Bach tmchi b3id kter, chouf kifach kaykhdem 7sab d l2ada2 f lMaghrib l charikatek.

As2ila katji bzzaf

Lkhatwa jjaya

Bda had l3chiya: kounnach, khamsa d ssotour w l historique dyal l app dyalek. 7emmel chari.ma bach ddouz tta7silat dyalek men 7sabek, w 9ra lgid dyalna 3la kounnach lkridi w ttatabo3 r9ami: ghalban tmma fin mkhebbya ssiyola lli na9sa.