Madandaulo apamwamba okhudza ndalama zapaulendo 'rip-off' yomwe idakhazikitsidwa ku UK

Bungwe loona zatchuthi la Consumer Focus linanena kuti anthu opanga tchuthi amalandidwa nthawi iliyonse akamagula ndalama zakunja kapena kupita kunja. Masiku ano yakhazikitsa madandaulo apamwamba kwambiri pamakampani azandalama a $ 1bn.

Woyang'anirayu akufuna kuti Office of Fair Trading (OFT) ifufuze za ndalama zomwe zingakhale zopanda chifukwa komanso zochulukira. Mike O'Connor, wamkulu wa Consumer Focus, adadzudzula makampani opanga ndalama kuti ali ndi "milandu yosokoneza yobisika". Kudandaula kwakukulu kungapangidwe ndi bungwe lovomerezeka ndi boma.

Mtengo wosinthira sterling kukhala ma euro amasiyanasiyana kwambiri. "Kusintha ndalama zokwana £500 kukhala mayuro kumatha kuchoka pansi pa £10 kufika pa £30," adatero Mr O'Connor. "Uku ndikusiyana kwakukulu popereka chithandizo chomwecho."

Opanga tchuthi amakhumudwanso ndi ndalama zochotsera ndalama ngati agwiritsa ntchito makhadi apulasitiki pogula ndalama. Amayimbidwa mlandu chifukwa cha mwayi wochotsa ndalama muakaunti yawo, atero a O'Connor.

Zolipiritsa sizikuwonetsa mtengo. Malipiro a kirediti kadi pafupifupi 9p kuti akonze ndi kulipira kirediti kadi 37p, komabe zolipiritsa zogulira ndalama ndi khadi nthawi zambiri zimakhala 1.5-2 peresenti ya ndalama zomwe zasinthidwa, mpaka denga la £4.50.

Palinso zolipiritsa zovuta zomwe zimagwiritsidwa ntchito pamakadi, omwe nthawi zambiri amakhala ndi ndalama zowonjezera mpaka 3 peresenti pamtengo wosinthanitsa womwe umaperekedwa, womwe umadziwika kuti kusinthana kwamitengo.

Pakhoza kukhalanso ndalama zokwana £4.50 zogwiritsa ntchito ma ATM akunja, komanso ndalama zolipiritsa pasadakhale komanso chiwongola dzanja chambiri chogwiritsa ntchito kirediti kadi. Woyang'anirayo adatsutsanso kugwiritsa ntchito mawu osokeretsa otsatsa monga "0 peresenti Commission". Inanenanso kuti mitengo yakusinthana ikuphatikizanso zidziwitso zoperekedwa ndi ogulitsa kotero kuti sizolipira monga momwe akunenera.

Stephen Heath, wamkulu wa FairFX, adayambitsa kampeni yoletsa zotsatsa za 0 peresenti. Adalandira madandaulo apamwamba. "Chomwe chimachititsa chisokonezo pa milandu ndi njira zabodza zotsatsira zomwe zimatengedwa ndi omwe amapereka ndalama zoyendera monga Positi," adatero.

Sarah Munro, wamkulu wa Post Office Travel Money, adati: "Ku Post Office palibe milandu yobisika."

Panthawiyi bungwe la British Bankers 'Association linateteza milanduyi. "Kusanthula kulikonse kwa msika uwu kuyenera kuganizira za ndalama zoperekera mautumikiwa," adatero wolankhulira.

OFT iyenera kuyankha mkati mwa masiku 90 mwina poyambitsa kafukufuku wake, kutumiza madandaulo ku bungwe lina monga Competition Commission, kapena kuthetsa nkhanizo.

Zidule za malonda

Chinsinsi posintha ndalama ndi kuchuluka kwa ma euro omwe mumapeza pa paundi yanu. Koma mungafunike kuwonjezera pa ntchito, ndalama zoyendetsera, ndipo nthawi zambiri ndalama zobweretsera. Zogulitsa zopanda ma Commission zitha kuwoneka ngati njira yabwino kwambiri popeza zomwe mukuwona ndizomwe mumapeza, koma ndalama zomwe mumalipira nthawi zambiri zimakhala zochepa. Dzulo, mwachitsanzo, mitengo ya pa intaneti ya sterling-euro idasiyana pakati pa 1.0831 ndi 1.1267: sinthani £500 pamalo olakwika ndipo mumapeza ma euro 22 kuchepera. Koma zolipiritsa zobweretsera zimatha kufika pa £5, zinthu zamadzulo. Ngati mumagula m'masitolo akuluakulu, mitengo imatsika kwambiri. Mwezi watha pamene mitengo yapaintaneti idakwera 1.12, nthambi za Post Office zopanda ntchito zidapereka 1.07, kapena 1.05 ngati mutasintha zosakwana $ 500.