Ni benshi bifuza kohereza amafaranga ku ivuko mu buryo bwo gufasha abo bahoza ku mutima. Ikibabaje ni uko ayo mafaranga umuntu aba yakoreye bimuruhije hari ubwo atagera ku bo yivuzaga kuyoherereza. Abajura bakunda bene aya mafaranga kuko bayabona bitabagoye kandi mu gihe gito. Muri iyi nkuru urasobanukirwa uburyo wakoresha kugirango amafaranga yawe agere ku wo wifuza kandi mu mutekano usesuye.

Dore uburyo rusange bwo gucungira umutekano amafaranga yawe.
• Ntugahe umwirondoro wawe nka numero z’ikarinda ndangamuturage (SSN), numero za konti cyangwa amakuru ya konti yawe, ngo ubihe abantu batizewe babigusaba bakoresheje ubutumwa bugufi, email cyangwa se baguhamagara kuri telefone.
• Iteka ujye witwararika ibijyanye n’umutekano w’ibikoresho by’ikoranabuhanga ukoresha ushyiramo za anti virus ndetse na za updates zikenewe.
• Genzura ko konegisiyo ya murandazi uri gukoresha ifite umutekano usesuye.
• Ntukoherereze amafaranga umuntu utazi.
• Iteka jya ureba uburyo amafanga anyura kuri konti yawe ubashe kuba watahura ibikorwa by’abajura.
• Banki n’ibindi bigo by’imari bibaza ibibazo kugirango birindire umutekano amafaranga uri kohereza. Ni ngombwa cyane kubasubiza neza kandi ukabaha amakuru y’ukuri ku bibazo bakubaza.

Dore inama zihariye bitewe n’uburyo ugiye gukoresha wohereza amafaranga.
Isunge Banki mukorana ikoherereze amafarnaga

Ibigo by’imari na za banki bashobora kugufasha kohereza amafaranga mu buryo bw’ikoranabuhanga, kandi agahita agera ku muntu uyoherereza. Ubu buryo buratekanye cyane kuko amafaranga ava kuri banki imwe ajya ku yindi, hifashishijwe ikoranabuhanga zisanzwe rihari rigamije gucunga umutekano. Uwohereje aba agomba agomba kwemeza numero y’inzira (routing number) igomba gukoreshwa, rimwe na rimwe hakaba ubwo usanga banki ifite numero y’inzira itandukanye yifashishwa hoherezwa amafaranga, nka SWIFT code. SWIFT ni amagambo ahinnye y’icyongereza ashaka kuvuga ihuriro mpuzamahanga rihuza ama banki mu buryo bw’ikoranabuhanga (Society for Worldwide Interbank Financial Telecommunication). Muri macye ni nka nka numero y’inzira iri mpuzamahanga.
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Ibigo byo kohereza amafaranga hifashishijwe ikoranabuhanga: ibi bigo nka Western Union cyangwa MoneyGram bifasha ababigana kuvunja amafaranga ndetse no kohereza amafaranga, haba imbere mu gihugu cyangwa se hanze yacyo. Akenshi ibi bigo biba bihugukiwe cyane n’ibyo gukumira abajura. Usanga banafite igice kuri website zabo cyahariwe kwigisha abantu uburyo barindira umutekano amagaranga yabo.

Application zo muri telefone ngendanwa: Application nka Paypal, Google Pay cyangwa Venmo, zorohera ushaka kuzibona kandi zigafasha igihe umuntu ashaka koherereza amafaranga inshuti. Ziroroshye kandi zikihuta ndetse akenshi ugasanga kuzikoresha nta kiguzi bisaba. Cyakora biba byoroshye ko umuntu yakwibeshya amafaranga akisanga mu biganza by’uwo atari agenewe. Nta buryo buboneye bwo kuburana igihe waba wakoze amakosa mu kohereza cyangwa se habaye igikorwa cy’ubujura.


Numero ya konzi yo kohereza amafaranga: hari abantu bafungura indi numero yakonti, bakayiharira kohereza amafaranga, ikaba ari numero itandukanye n’iyo basanzwe bakoresha, iyo ikaba ari iyo kohereza amafaranga mu bihugu bakomokamo gusa. Mu gutangira usanga bifata inzira ndende, gusa iyo birangiye, bituma amafaranga yo kuri konti yawe isanzwe arushaho gutekana. Igihe haba hari ubujura, uwo mujura ntabwo abasha kugera ku mutungo wawe wose