Send money internationally

Kiingereza piaKiingereza hakuna

Ni rahisi kutuma fedha kwa watu katika nchi nyingine. Kuna njia kadhaa za salama na wepesi wa kutuma fedha kimataifa. Kujifunza jinsi ya kutuma pesa kwa nchi nyingine haraka na salama.

It is easy to send money to people in other countries. There are several safe and quick ways to send money internationally. Learn how to send money to other countries quickly and safely.

Woman at computer - send money internationally

Woman at computer - send money internationally

Kutuma pesa na MoneyGram au WalMart2World

Send money with MoneyGram or WalMart2World

MoneyGram na WalMart2World ni huduma za uhamishaji fedha unaweza kutumia. Wote kazi katika karibu yote ya nchi katika ulimwengu.

MoneyGram and WalMart2World are money transfer services you can use. They both work in almost all of the countries in the world.

Kutuma fedha kwa njia ya MoneyGram au WalMart2World, lazima kwanza kupata mahali pa kazi katika. WalMart2World ni katika maduka yote ya Kariakoo. Maeneo ya MoneyGram ni maduka makubwa, urahisi maduka, na vituo vya gesi. Lazima kuleta utambulisho na pesa. Wewe ni uwezo wa kutumia kadi yako ya mkopo au ya matumizi. Unaweza kupata MoneyGram na Kariakoo maeneo karibu na wewe.

To send cash through MoneyGram or WalMart2World, you must first find a location they work in. WalMart2World is in all WalMart stores. MoneyGram locations are supermarkets, convenience stores, and gas stations. You must bring identification and cash. You are not able to use your credit or debit card. You can find MoneyGram and WalMart locations near you.

Kama unataka kutuma kupitia akaunti ya benki, Unaweza kutumia Huduma ya mtandaoni ya ya WalMart2World. Utaulizwa kuunda akaunti yako mtandao kwanza. Na WalMart2World, fedha awasili dakika na ada ni chini. Ada ni kiasi fasta, au "gorofa ada." MoneyGram ni ghali kidogo zaidi na polepole. Lakini ni chaguo nzuri kama una uwezo wa kusafiri kwenda Kariakoo na.

If you wish to send through a bank account, you can use WalMart2World’s online service. You will be asked to create an online account first. With WalMart2World, the money arrives in minutes and the fees are lower. The fees are a fixed amount, or “flat fee.” MoneyGram is slightly more expensive and slower. But is a good option if you are not able to travel to a WalMart.

Kutuma pesa kimataifa kutoka benki

Send money internationally from a bank

Kama mara nyingi kutuma fedha kimataifa, ni bora kutumia akaunti ya benki. Kuweka fedha nyingi katika nyumba yako si salama katika Marekani. Ni bora kufungua akaunti ya benki. Jifunze kuhusu benki na jinsi ya kufungua akaunti ya benki.

If you often send money internationally, it is best to use a bank account. Keeping a lot of cash in your home is not safe in the USA. It is better to open up a bank account. Learn about banks and how to open a bank account.

Hapa ni nini unahitaji kujua kutuma fedha kimataifa kutoka benki yako:

Here is what you need to know to send money internationally from your bank:

  • Kabla ya kutuma fedha, Utahitaji taarifa juu ya mtu kupata fedha. Benki ya wito mtu huyu wa mpokeaji. Benki itakuuliza kwa jina la mpokeaji, Namba ya akaunti ya benki, na wakati mwingine anwani yao.
  • Kwa baadhi ya nchi, unahitaji nambari ya kitambulisho cha benki. Hizi ni IBANs (Namba ya akaunti ya benki ya kimataifa) au TELEKA/BIC namba. Na mtu ambaye ni kupokea fedha kuuliza benki yao kama unahitaji idadi hii.
  • Mara nyingi, unaweza kutuma fedha kupitia akaunti yako ya benki mtandaoni. Kama unahitaji msaada au hawana uhakika nini chaguzi ni, Nenda kwenye benki yako. Unaweza kuzungumza na mfanyakazi katika dirisha mapokezi na wao watakusaidia.
  • Benki malipo yako kwa ajili ya kutuma fedha kimataifa. Hakikisha kwa kuuliza kuhusu ada (kiasi gani ni gharama).
  • Utumaji fedha kimataifa kupitia benki yako inaweza kuwa ndogo, pia.
  • Before you send money, you will need information about the person getting the money. The bank calls this person the recipient. The bank will ask you for the recipient’s name, bank account number, and sometimes their address.
  • For some countries, you will need a bank identification number. These are IBANs (International Bank Account Number) or SWIFT/BIC numbers. Have the person who is receiving the money ask their bank if you will need this number.
  • Often, you can send money through your bank account online. If you need help or are not sure what the options are, go to your bank. You can talk to the worker in the reception window and they will help you.
  • Banks will charge you for sending money internationally. Make sure to ask about fees (how much it will cost).
  • Sending money internationally through your bank can be slow, too.

Kutuma pesa kwa Umoja wa magharibi

Send money with Western Union

Umoja wa magharibi ni kampuni ya huduma za kifedha. Unaweza kutuma fedha kupitia tovuti yao au programu yao smartphone. Unahitaji akaunti ya benki kutuma pesa mtandaoni. Wao pia malipo, ada. Kama huna akaunti ya benki, Unaweza bado kutuma fedha kimataifa kupitia Umoja wa magharibi. Unaweza kupata na tawi ndani.

Western Union is a financial services company. You can send money through their website or their smartphone app. You will need a bank account to send money online. They also will charge you a fee. If you do not have a bank account, you can still send money internationally through Western Union. You can find a local branch.

Katika tawi ndani, Umoja wa magharibi, Unaweza kulipa kwa fedha. Hii pia ni chaguo nzuri kama mtu ni kutuma fedha na akaunti ya benki. Kama wapokeaji wako ana Magharibi Umoja tawi karibu nao, waweze kuchukua fedha badala yake. Utahitaji:

At a local branch, Western Union, you can pay with cash. This is also a good option if the person you are sending money to does not have a bank account. If your recipient has a Western Union branch near them, they will be able to pick up the money instead. You will need:

  • Jina la mpokea yako kama huonekana ID zao iliyotolewa na serikali
  • Jiji au mji wako mpokeaji, Mkoa au hali, na nchi
  • ID yako iliyotolewa na serikali
  • Your recipient’s name as it appears on their government-issued ID
  • Your recipient’s city or town, province or state, and country
  • Your government-issued ID

Kutuma pesa na Xoom na Paypal

Send money with Xoom and Paypal

Mfumo maarufu kwa ajili ya uhamisho wa fedha kimataifa kwenye internet au smartphones ni Xoom. Wakati wewe Fungua akaunti ya Xoom, waweza kutuma pesa kimataifa ili zaidi 100 nchi mia na mikoa. Ya gharama ya kutuma fedha kupitia mabadiliko ya Xoom. Wakati mwingine ni ada fasta. Wakati mwingine malipo asilimia. Unahitaji Ingiza maelezo ya akaunti ya benki na kutuma fedha. Pia utahitaji maelezo ya mtu unayemtumia kwa.

The most popular system for international money transfers on the internet or smartphones is Xoom. When you open a Xoom account, you can send money internationally to more 100 hundred countries and regions. The cost of sending money through Xoom changes. Sometimes it is a fixed fee. Sometimes they charge a percentage. You will need to enter bank account details to send money. You will also need the details of the person you are sending to.

Xoom ina maeneo atili, ambayo ina maana wewe unaweza kutuma fedha na mtu anaweza kuchukua ni fedha taslimu mwisho wa wengine. Wakati mwingine, mtu ni kutuma kwa kuchukua ni katika masaa machache. Kwa baadhi ya nchi, unaweza kutuma fedha kwa akaunti ya benki. Kama wewe ni kutuma na akaunti ya benki, unahitaji maelezo hayo, pia.

Xoom has pickup locations, which means you can send money and someone can pick it up in cash at the other end. Sometimes, the person you are sending to can pick it up in a few hours. For some countries, you can send cash to a bank account. If you are sending to a bank account, you will need that information, too.

Kama una smartphone, Unaweza kupakua programu Xoom. Kisha unaweza kutumia Xoom kutuma pesa kwenye simu yako.

If you have a smartphone, you can download the Xoom app. Then you can use Xoom to send money on your phone.

Xoom ni tu kwa ajili ya kutuma pesa kwa watu. Kama unataka kutuma pesa kwa biashara, unaweza kutuma fedha kupitia PayPal. PayPal anamiliki Xoom.

Xoom is only for sending money to people. If you want to send money to businesses, you can send money through PayPal. Paypal owns Xoom.

Njia zingine za kutuma pesa

Other ways to send money

Hundi

Checks

Unaweza kutuma hundi kutoka kwa akaunti yako ya benki. Lakini nchi nyingine kufanya ni vigumu sana kupokea hundi ya kigeni. Mabenki ya nje malipo ya ada kubwa kwa amana yao.

You can send a check from your bank account. But some countries make it very hard to receive foreign checks. Foreign banks will charge a big fee to deposit them.

Amri ya fedha

Money orders

Utaratibu wa fedha ni sawa na hundi, lakini kabla kupitishwa na kulipwa kwa. Hii ina maana kwamba jina la mpokeaji na taarifa ni tayari juu ya karatasi na unaweza kubadilishwa. Gharama na utaratibu wa fedha wa kimataifa $8. 55 kwa ajili ya thamani hadi $700 ($500 kwa ajili ya El Salvador na Guyana). Unaweza kupata maagizo ya fedha katika benki, posta, na baadhi ya maduka. Unaweza kujifunza zaidi kuhusu amri ya fedha ya kimataifa kutoka huduma ya posta ya Marekani.

A money order is similar to a check, but it is pre-approved and paid for. This means that the recipient’s name and the information is already on the paper and can not be changed. An international money order costs $8. 55 for values up to $700 ($500 for El Salvador and Guyana). You can get money orders at banks, the post office, and some stores. You can learn more about international money orders from the US postal service.

Ada ni nini?

What are fees?

Wakati unaweza kutuma fedha kimataifa, itakuwa kushtakiwa ada.

When you send money internationally, you will be charged fees.

Ada ya uhamisho

Transfer fees

Ada ya uhamisho ni pesa unaweza kulipa kwa ajili ya kutuma fedha. Inaweza kuwa asilimia ya kiasi unaweza kutuma au inaweza kuwa kiasi fasta

Transfer fees are money you pay for sending money. It might be a percentage of the amount you send or it might be a fixed amount

Ada ya kiwango cha fedha

Exchange rate fees

Viwango vya ubadilishaji fedha ni sarafu ya moja ya kiasi (kama vile ya dola za Marekani) ni thamani kwa fedha nyingine (kama vile euro). Viwango vya kubadili wakati wote. Wakati mwingine unalipa fedha fedha za ada pamoja na ada kwa ajili ya kutuma fedha. Kuuliza benki au huduma kueleza ada yao.

Exchange rates are the amounts one currency (such as US dollars) is worth in another currency (such as Euros). The rates change all the time. Sometimes you pay a currency exchange fee as well as a fee for sending the money. Ask the bank or service to explain their fees.

Mambo ya kuangalia kwa wakati wa kutuma fedha kimataifa

Things to watch for when sending money internationally

  • Jinsi gharama kulinganisha: Tazama wote wa gharama. Ni kukuokoa fedha.
  • Wakati wa kujifungua: Daima Hakikisha unajua uhamisho itachukua muda gani. Kama ni kutuma fedha kwa ajili ya dharura, Umoja wa magharibi, Xoom, au Walmart2World inaweza kuwa chaguo lako bora.
  • Maelezo ya akaunti: wakati wa kutuma fedha kutumia akaunti na upeleshi hesabu, kuangalia yao mara kadhaa. Kama hawako sahihi, fedha si kupata huko.
  • How costs compare: Look at all of the costs. It will save you money.
  • Delivery time: Always be sure you know how long the transfer will take. If you are sending money for an emergency, Western Union, Xoom, or Walmart2World may be your best option.
  • Account details: when sending money using account and routing numbers, check them several times. If they are not correct, the money will not get there.

Jifunze zaidi

Learn more

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