Katoa nga kaari nama me nga kaari nama kua araia ki tawahi me te kore moni: Emergency Western Union/Visa Global Cash¶

E tu ana i runga i tetahi huarahi ke, i roto ranei i te whare hotera o tawahi me te kore moni o to rohe kei roto i to pute i muri i te tangohanga o to pukoro, kua horomia to kaari nama tuatahi e te ATM hee te mahi, me te huringa aunoa a to peeke rapu tinihanga (Falcon / 3-D Secure) kua whakatotoka katoa o kaari i te wa kotahi he ohorere haerenga. Ko te hunga haerere o enei ra e pa ana ki nga here takirua kino: ko te kawe i nga mano tini taara i roto i te moni tinana e kii ana i te tahae, engari e whakawhirinaki ana ki te 100 paiheneti ki te kirihou, waea atamai tap-ki-te utu (Apple Pay / Google Wallet) ka paea koe i te wa tonu ka tukuna e te kaimiti kaari to putea kaute, ka kapohia to waea atamai (ka aukati i nga waehere whakaū SMS e rua-waahanga e hiahiatia ana hei iriti i to tono peeke), ka tau ranei koe ki tetahi rohe herea-moni o Hapani, Tiamana, Amerika Latina, ki te tonga-tonga o Ahia kei te whakakorehia nga kaari kee e nga whatunga ATM o roto. Mena i tahaehia to putea, waea, me to kaari i roto i te mahi kaipahua, kaikoeke pukoro ranei, ripoatahia te hara ki nga Pirihimana Tuhipori o te rohe ma te tau ohorere, whakakapi i te tautuhi ngaro na roto ngaro uruwhenua, tuhinga haerenga ranei, tiaki koe i te whakawhiti konihi whakamahi nga tinihanga rererangi me te haumaru whakawhiti, me te tono ruruku moni takawaenga mā te karere me te awhina consular.

Ahakoa kei te ngaro, ka horomia, ka whakatotoka ranei nga kaari tinana katoa kei a koe, kaore koe e neke ake i te 2 haora te tawhiti atu i te pupuri moni a-rohe i to ringaringa, mena kei a koe he uruwhenua whaimana (te kaunihera whawhati tata ranei) he uru ki te hononga ipurangi. Na roto i nga huarahi whakaora moni e wha o te ao: Ratonga Awhina Kaihoko Visa mo te Ao (GCAS) / Mastercard Ratonga Ao Ohotata Moni Moni Moni ukauka, Te Waea Waea Whaiaro-Ki-whaiaro (Western Union, MoneyGram, Ria), Karei Pukoro Pukoro ATM Tangohanga (NFC ATM tap), me te Remittance Citizen Destitute Consular (OCS Trust i te US, FCDO i te UK), ka taea e koe te karo i te kirihou tio me te tuku moni ohorere ki o ringaringa i tenei ra.

Mahia tenei inaianei¶

1. MENA KA horomia e te ATM TO KATA I MUA O KOE: KAUA e haere atu i te miihini mo te iti rawa 5 meneti, kaua rawa hoki e whakaae ki te awhina a tetahi tangata ke e tu ana i muri i a koe. I roto i te "Loop Lebanese" / "Mahanga Kaari", ka kuhu te tahae i tetahi ringaringa kirihou angiangi ki roto i te mokowhiti kaari ka tu ki muri i a koe e tuku awhina ana; ka kii mai ratou ki a koe "Patohia ano to PIN ki te pana i te kaari," tirohia o maihao ki te kuhu ki te PIN 4-mati, katahi ka toia to kaari ki waho me te piri i te tuarua ka haere atu koe. Tu tika ki mua o te mata ATM, pehia te CANCEL Kia mau te paatene mo te 10 hēkona, tirohia mena kei te piri te ATM ki tetahi peka peeke tuwhera ka taea e te kaiwhakahaere peka te manatoko i to uruwhenua, ka whakatio tonu, maukati ranei te kaari i roto i to tono peeke pūkoro i mua i te wehenga atu.
2. MENA KEI TE TINO KATOA AU KATA NA TE PORANGA TANGATA PAKEKE AUTOTIA (A KORE KOE KORERO KORERO SMS TUARUA): Karangahia te nama "International Collect Call" o to Peeke Ma te whakamahi i te Skype/Viber Out, te Raina Whenua Hotera, te Visa/Mastercard Global Operator ranei. I te wa o te tinihanga o to peeke, he maha nga wa ka tukuna e te rorohiko he karere ki waho."Did you just attempt to spend €140 in Rome? Reply YES") ki to nama waea kaainga, kaore koe e whiwhi mena ka huri koe ki te eSIM haerenga rohe, ka whakawetohia ranei te haereere. Kaua kaore e huri tonu i te kaari kua paopao (e 3 nga paheketanga karapīpiti i muri i te haki tinihanga ka piki ake te pupuri ngawari mo te wa poto ki roto i te katinga whakararu pumau). Engari, hono atu ki te Wi-Fi hotera/kawhe ka waea atu ki te "International Collect (Call Collect) / Kei waho o te US/UK" nama kua taia ki muri o to kaari.
3. MENA I TAHAEIA TO Pukoro, kua mate ranei nga kaari katoa, ka hiahia koe ki te putea tinana i roto i te 1 ki te 2 haora: Whakaohohia he "Visa (GCAS) ranei Mastercard Global Emergency Cash Disbursement. Ma te waea atu ki a Visa, Mastercard Global Assistance ranei (nga nama kore utu kei raro iho nei), ka whakamanahia to tuakiri me to peeke tuku me te tuku i te Utawhiti Urupare (Emergency Cash Advance) ($200 to $2,000+ ki to rohenga nama, ki te arowhai toenga ranei) tika ki te Western Union, ki te waahi kaihoko MoneyGram ranei e tata ana i roto i te 30 meneti ki te 2 haora, ka kohia e koe nga moni peeke a-rohe ma te whakaatu i to ** Uruwhenua me te 10-mati Nama Mana Whakawhiti Moni (MTCN).
4. WIRI KAUKA KI A KOUTOU IPURANGI MARA I TE WESTERN UNION, MONEYGRAM, RIA RANEI MA TE WHAKAMAHI I TO PUTE PEKE (ACH) OR DIGITAL APPLE/GOOGLE PAY: Mena kei a koe tonu to waea atamai, ka taea ranei e koe te takiuru ki tetahi rorohiko pokapu pakihi hotera, tango i te Western Union, MoneyGram ranei, whakaritea koe (Your Exact Full Passport Name) hei Kaiwhiwhi mo "Cash Pickup" i roto i te taone e tu ana koe, me te utu moni mo te whakawhiti ma te whakamahi i to whakahaere putea ipurangi/ nama kaute, Apple Pay, Google Pay, he kaari mema ranei o te whanau kei te kainga. I roto i te 15 meneti, hikoi ki roto i tetahi kaute o Western Union me to ** uruwhenua tinana ** me te ** nama aroturuki MTCN ** ki te kohi moni.
5. ** WHAKAMAHI "TAHI HOTEL MUA P2P KAUPAPA KAUPAPA KAUPAPA" KI TE KARERE IA KOE TE KAUPAPA A-TINO:** Ko nga porotiti o Western Union me MoneyGram me tino tono he ID whakaahua a te kawanatanga (Passport) hei tuku moni. Mena i tahaetia to ** uruwhenua i roto i te putea rite ki to putea**, patai ki to kaiwhakahaere hotera (tetahi hoa manuhiri whakawhirinaki mai i to whenua whenua) mena ka taea e koe te tuku. $100 tonu ma te PayPal, Venmo, Zelle, Revolut, Wise, Interac e-Transfer ranei hei utu mo $100 i roto i nga moni o te rohe kia taea ai e koe te utu mo te taxi me nga whakaahua uruwhenua kia tae atu ki to Embassy.
6. Whakapa atu ki to Embassy's 24/7 AWHINA KAUPAPA KAUPAPA KAUPAPA MO TE TANGATA TANGATA (OCS TRUST I TE US) OR TArewa Whakahoki ANA KI TE KAUPAPA KAUPAPA: Mena karekau he whanau, he hoa ranei ka taea te toro atu i naianei tonu, a ka kore nga reera waea arumoni katoa, ko to Embassy's American Citizens Services (ACS) ka taea ranei e te roopu Kaihoko UK/Canadian te whakapā atu ki to whanau i te kainga, whakaaehia he putea ma te Te Tari Kawanatanga OCS Trust / Pūnaha FCDO, ka toha tika atu te moni ohorere ki a koe i te matapihi o te Embassy.

Rakau whakatau: Te tiki moni ohorere me te whakahoki mai i te urunga utu ina ngaro nga kaari katoa ki tawahi¶

flowchart TD
    A["Katoa nga kaari nama me nga kaari nama kua araia, i horomia, i tahaetia ranei i tawahi me te kore moni"] --> B{"He aha i kore ai e taea te uru atu ki o kaari?"}
    B -->|"Tauari 1: Nga Kaari kei te Rima-a-tinana, Engari Kei te Paheke (Kua Whakatio Tiaki Peeke)"| C["KAUPAPA KAUPAPA KAUPAPA KAUPAPA KAUPAPA:; 1. Hono atu ki te Wi-Fi Hotera/Kawhe; 2. Tirohia te Taupānga Peeke mo te takahuri 'Whakaū Haere / Wewete Kaari' i roto-taupānga; 3. Karangatia te Tau Kohikohi o te Ao a te Peeke ma te Skype/Viber Out me te Raina Whenua o mua o te Hotera; 4. Whakamatau ki tetahi ATM Peke Peeke nui (Pēhia te 'Whakahekenga Tahuri / Moni Paetata')"]
    B -->|"Tauari 2: Tahaehae/ Horomia nga Kaari Tinana, Engari kei a koe te Waea atamai me te Uruwhenua"| D{"Kei a koe a Apple Pay / Google Wallet e mahi ana i runga i to Waea?"}
    D -->|"Ae (Wakete Mamati Hohe)"| E["RANGI MAmati-KI-PUTA:; 1. Tukunga Inamata: Ina whakakapihia e te peeke te nama kaari kua tahaetia, ka whakahou-aunoa i a Apple/Google Pay tonu; 2. Whakamahia te NFC 'Tap-to-Withdraw' ki nga ATM kore whakapā; 3. Waea atu ranei he moni ki a koe ma te Western Union / MoneyGram App mo te tiki Uruwhenua"]
    D -->|"Kao (Waea i tahaetia, kua araia ranei te putea mamati)"| F["2-HAURA TE WHAKAMAHI KAUPAPA KAUPAPA:; 1. Waea Visa GCAS (+1-303-967-1096) ranei Mastercard Global (+1-636-722-7111) Kohikohi; 2. Tonoa te 'Tukuta Utu ohorere' ($200-$2,000) ki Western Union tata; 3. Me tuku moni waea a te whanau ki to Ingoa Uruwhenua tika ma Western Union / MoneyGram"]
    B -->|"Tauari 3: Pukoro me te Uruwhenua e rua i tahaetia (Karekau he ID Whakaahua mo Western Union)"| G["KORE-ID CASH & CONSULAR PROTOCOL:; 1. Tukuna a PayPal/Zelle/Revolut/Wise ki te Hotera Front Desk, ki te hoa turuhi ranei mo te $50-$100 te taxi/whakaahua moni; 2. Haere ki to Embassy mo te Uruwhenua ohorere + Consular OCS Trust Remittance / Destitute Loan"]

Whakatauritehia nga Rerewhanga Whakaoranga Moni Ohotata o te Ao¶

Ka mutu te mahi o nga kaari kirihou ki tawahi, whakatauritea enei hongere moni ohorere e rima ki te whiriwhiri i te waahanga tere mo to ahuatanga.

Wāhanga 1: Te Wetewete i nga Kaari Kua Araia ki Tawahi (Kei a koe tonu te Kirihou)¶

I mua i te whakaaro kua mate tonu o kaari, tirohia te he aha ka taia noa te ATM kee, te tauranga wharekai ranei "TRANSACTION DECLINED - DO NOT HONOR (Error Code 05 / 51 / 59)". Neke atu i te 75 paiheneti o nga rahunga kaari o tawahi na te wha o nga mahi hangarau ka taea te whakatika:

1. Te hinga i te "Rua-Factor SMS Roaming Deadlock"¶

• Te Raruraru: Ka ngana koe ki te wetewete i to kaari ma te takiuru ki te paetukutuku a to peeke, taupānga ranei i runga i te Wi-Fi hotera, ka patai te peeke: "Katahi ano ka tukuna e matou he waehere haumaru 6-mati ki to nama waea ka mutu -4829", kare i tae mai na te mea kua weto to kaari SIM kaainga karekau ranei he tohu haereere o te ao.
• Me pehea te karo i roto i te 5 meneti:
• ** Whakakā "Waea Wi-Fi" (VoLTE / Wi-Fi Calling) i runga i To SIM Kāinga:** Haere ki ** Tautuhinga -> Raraunga Pūkoro/Pukoro -> Whakakāhia to Raina Kaainga, Whakawetohia te "Roaming Raraunga" (kia kore koe e utu i nga utu roera raraunga ia ra), me te Whakahoki i te "Waea Wi-Fi."** I te nuinga o te US, UK, Kanata, me Ahitereiria, ** ka whiwhi karere kuputuhi SMS taumai i runga i te Waea Wi-Fi he utu noa (10% Waea waea waea kore utu ranei.$0.00)** me te tuku i te 6-mati peeke tohu tohu kia puta ake tonu.
• ** Waea atu ki te "Kohikohi Ao a te Peeke (Reverse Charge)" Tau mā VoIP (Skype / Viber Out) ranei Te Papa Hotera:** Waea atu ki te Tau Tiaki / Kohikohi mo te Ao kua taia ki muri o to kaari ki runga Wi-Fi ka tono ki te Tohunga Arai Hika kia tuu he International Travel Exception Override ki to kōtaha kaari i a koe e whakamatautau ana i te tauranga.

2. Ko te "6-Digit vs. 4-Digit PIN" me te "Tirohanga ki te nama" ATM Hīritenga¶

• Te Roonga PIN Kore-ritenga: maramara-me-PIN Paerewa (EMV) Ko nga ATM puta noa i Uropi, UK, Amerika Te Taitokerau, me Ahitereiria ka whakaae ki te 4-mati nama PIN (i etahi miihini Ahia e whakaae ana kia 6 mati). Mēnā e 5, e 6 rānei ngā mati o tō PIN pēke kāinga, hurihia tō PIN ki te 4 mati mati ka timata ki te mati kore-kore (1-9) kei roto i to tono peeke pūkoro i mua i te whakamahi i te ATM.
• ** "Tiaki" me te "Tirohanga / Kaute o naianei" Mahanga Whiriwhiringa:** Nga whatunga ATM o te ao (Plus a Cirrus) ara te urunga ki te kaari nama tuatahi ma te mokamoka "Tirotiro / Kaute o naianei" (ranei "Whikete / Taunoa" i runga i etahi miihini Latin American me Hapanihi), ahakoa ka noho to moni ki roto i te Tiaki. Mena ka heke te "Taki", ngana ki te kowhiri i te "Whikete" ranei "Taunoa" i te nganatanga tuarua.

3. Whenua-motuhake "Kaari kerekere" Whatunga ATM¶

I roto i te maha o nga waahi nui, kaore nga ATM peeke o roto i te waea ki te ao Visa Plus ranei Mastercard Cirrus ka huri ka paopao i to kaari me te karere hapa ahakoa he pai rawa to kaari: - I Hapani: Nga ATM peeke noho tata (MUFG, Mizuho, Sumitomo) ka paopao maha nga kaari ke. Haere tonu ki tetahi 7-Eleven toa pai (Seven Bank ATM) ranei a Japan Post Bank (JP Post) ATM, e mahi 24/7 me te ao Visa, Mastercard, Amex, a Plus/Cirrus kāri. - I Brazil: Rapua mo Banco Bradescoranei Banco do Brasil mihini e whakaatu ana i te Plus/Cirrus tohu tohu. - I Korea ki te Tonga: Whakamahia nga ATM anake e whakaatu ana i te "GLOBAL ATM" tohu i runga ake i te mata (kua kitea i Woori Bank, KB Kookmin, Shinhan, a 7-Eleven / CU toa). - I Tiamani, Ateria, me te Netherlands: He maha nga toa iti ka whakaae noa ki nga kaainga Girocard (EC-Karte) nga kaari nama; whakamahi i nga wa katoa he nui Sparkasse, Deutsche Bank, ranei ING peka peeke ATM mo te moni.

Wāhanga 2: Me pehea te Tiki Moni Moni-a-Rohe i roto i te 1 ki te 2 Haora Ina He Kaari Kore Mahi Ana¶

Mena i tahaetia, kua ngaro, kua taupatupatuhia ranei to putea tinana, kaore he kaari mahi i to ringaringa, mahia tetahi o enei tikanga tuku moni e toru:

Kawa A: Visa (GCAS) ranei Mastercard Emergency Cash Disbursement & 24-Hora Hotera Whakakapi Kaari¶

1. Waea atu ki te Pokapū Awhina Ao 24/7 (Waea Kohikohi Kore utu mai i nga waahi katoa o te whenua):
2. Ratonga Awhina Kaihoko Visa mo te Ao (GCAS): Karanga +1-303-967-1096 (kohikohia mai i tawahi) ranei 1-800-847-2911.
3. Mastercard Ratonga Ao (MGS): Karanga +1-636-722-7111 (kohikohia mai i tawahi) ranei 1-800-627-8372.
4. Awhina a American Express Global / Whakakapinga Kaari: Waea +1-336-393-1111 (kohia mai i tawahi).
5. ** Tonoa e rua nga ratonga i te wa kotahi:**
6. Ratonga 1: "Tuku Moni Ohotata (ECD)": Ko nga huihuinga Visa, Mastercard ranei i roto i te tepu haumarutanga 24/7 o to peeke whakaputa, ka whakamanahia he putea ohorere (te tikanga $200 to $2,000 USD rite), me te whakaputa i te Western Union, MoneyGram ota tiki mai ranei i te kaikaute kaihoko tata atu ki to hotera i roto 30 meneti ki te 2 haora.
7. Ratonga 2: "Whakakapi Kaari ohorere (ECR)": Tonoa kia tukuna he Kari Whakakapi Ohotata ki to teepu o mua o to hotera tawahi ma te DHL/FedEx (ka tukuna i roto i te 24 ki te 72 haora puta noa i te ao).

Kawa B: Whaiaro-whaiaro, Waea Whanau ranei ma Western Union / MoneyGram / Ria¶

1. Kimihia te Kaihoko Kaihoko Moni Tata ki te Tuwhera Tuatahi: Hikoi ki te Mahere Google ranei i te kaute Western Union, MoneyGram, Ria Moni Whakawhitinga ranei tata rawa atu ka whakapumau ki te karaka kei a ratou te moni tinana kei roto i te pouaka hei utu i to moni whakawhiti inaianei.
2. Whakaritea To Ingoa Uruwhenua 100% Reta-mo-Reta: Ki te kii to uruwhenua "JONATHAN MICHAEL SMITH JR" me nga momo kaituku "JON SMITH", ka maukatihia e te punaha tautukunga o tawahi te utu mo te kore o te ingoa. Tonoa te kaituku ki te patopato i to Ingoa Tuatahi, Ingoa Waenga, me te(ng) Ingoa Whakamutunga kua taia ki to wharangi haurongo Uruwhenua, ka kowhiria "Kaihoko Moni (I roto i nga meneti)".
3. Kawea ki te Kaitatau: To Tauwhenua taketake, kare ano i pau i te wa, te 10-mati MTCN (Western Union) ranei 8-mati Tau Tohutoro (MoneyGram), me te Ko te ingoa katoa o te Kaituku, te taone/whenua takea mai, me te moni kua tukuna.

Kawa C: Tango ATM Kore Hoapā Kaari (Apple Pay / Google Wallet)¶

Mena i tikina to putea tinana, kaua e mukua to kaari i tahaetia mai i to Apple Wallet, Google Wallet ranei. Ina waea atu koe ki to peeke ki te whakaatu i te kaari kirihou tinana i tahaetia, ka whakakorehia e te nuinga o nga peeke nui te nama kaari kirihou tahae ka ** ka pana tonu te nama kaari whakakapinga 16-mati hou ki te Apple Pay / Google Wallet o to waea ma te Visa/Mastercard Token Service (VTS / MDES)** i roto i te 60 hēkona. Hikoi ki runga ki tetahi ATM peeke e whakaatu ana i te tohu Contactless / NFC Wave ()))), patohia to waea ki te tohu kore whakapā, whakauruhia to 4-mati PIN, ka tango i nga moni peeke tinana kaore he kaari kirihou.

Wāhanga 3: Me pehea te tiro me te hinga i nga Kaipupuri ATM Tawahi, Shimmers, me nga kamera PIN¶

Ko nga roopu mahi kino e aro ana ki nga ATM tuuruhi-nui e tata ana ki nga takutai, nga teihana tereina, me nga toa waatea ma te whakamahi i nga mahanga taputapu motuhake e toru:

1. Skimmers Waea-aukume me te maramara Whakauru-Hohonu "Shimmers":
2. Ko te Skimmer he kara kirihou kua whakakikoruatia ki runga i te mokamoka kaari o te ATM, ko te Deep-Insert Shimmer he papa iahiko angiangi-pepa kua paheke ki roto i te korokoro o te kaipanui kaari hei haukoti i nga raraunga maramara EMV.
3. Me pehea te hinga i nga mea e rua: Whakamahia Papa NFC Hoakore ()))) i runga i te ATM i nga wa e waatea ana kia kore ai to kaari e uru ki te mokamoka. Mena ka kuhu he kaari, kapohia te bezel panui-kaari kirihou ka wiriwiri/toia kia kaha i mua i te whakaurunga o to kaari kia kore ai he whakakikorua mokowhiti e mau ki runga i te mokowhiti.
4. Ngā Kamera Pinhole PIN Huna ana ki te Bezel Runga, Puka Pukaiti ranei:
5. Kare e taea e te kaitapahi, te kanapa ranei te tango moni ATM mena ka mau ano te tahae i to 4-mati PIN ma te kaamera ataata 1-mirimita piriti huna e tohu ana ki te papapātuhi.
6. Te 100% Ko te Tiaki Tiaki: Kapuhia to ringa koreutu (ka pupuri ranei i to putea / uruwhenua) kia 5 henimita (2 inihi) ki runga ake i ou maihao pato i a koe e whakauru ana i to PIN 4-mati. Ma te arai i te raina o runga o te tirohanga ka matapo katoa nga kamera huna.
7. Kaua rawa e whakamahi i te taha-taha-tiriti, i te Toa-Haatau ranei "Tourist ATM" (Euronet, Cashzone, Travelex):
8. Me tango moni i nga haora o te awatea mai i te ATM kei roto ** kei roto i te whakamahau karaihe maukati o tetahi peka peeke hokohoko nui o te motu**.

Nga nama ohorere a rohe me nga tikanga umanga¶

Mena kua ngaro katoa, kua tahaetia ranei o kaari me o moni ki tawahi, whakamahia enei nama kohi utu kore utu / ao 24/7 (waea ma te kaiwhakarato waea whenua hotera, Wi-Fi VoIP ranei) ki te whakaputa i nga moni ohorere me te tuku moni kaunihera:

• ** Whatunga Kaari o te Ao 24/7 ukauka ohorere me nga Raina Whakakapi Kaari (Whakaae Kohi Waea Ki Te Ao):**
• Ratonga Awhina Kaihoko Visa mo te Ao (GCAS): +1-303-967-1096 (Waea Kohikohia mai i nga waahi katoa i waho o te US) ranei 1-800-847-2911 (US/Kanata Toll-Free).
• Mastercard Ratonga Ao (MGS): +1-636-722-7111 (Waea Kohikohia mai i nga waahi katoa i waho o te US) ranei 1-800-627-8372 (US/Kanata Toll-Free).
• Kari Awhina mo te Ao American Express / Kaari Ngaro Tawahi: +1-336-393-1111 (Waea Kohikohia mai i tawahi) ranei +1-800-528-4800.
• Kohikohi Kaari o te Ao Kitea: +1-801-902-3100.
• Tautoko Kaihoko Whakawhiti Moni mo te Ao (Ki te Kimi i te Kaihoko Kaihoko Moni Tata rawa atu):
• Western Union Tautoko Ao: 1-800-325-6000 (US) / +1-720-332-1000.
• MoneyGram Tautoko Ao: 1-800-926-9400 (US) / +1-303-713-3370.
• Awhina Putea Ohotata a te Embassy Consular (Tarewa Tangata Tangata Rawa me nga Moni Whakahoki):
• Tangata Tangata o Amerika (U.S. State Dept OCS Trust / Repatriation Loans): Waea +1-202-501-4444 (mai i waho) ranei 1-888-407-4747 (mai i te US/Canada). Ka taea e te whanau i te kainga te waea putea ohorere travel.state.gov (Te tuku Moni ki nga Tangata U.S. Citizens Tawahi) mo te tiki i te US Embassy o te rohe.
• United Kingdom Nationals (FCDO Consular Financial Transfer Assistance): Karanga +44-20-7008-5000.
• ** Tangata Kanaana (Global Affairs Canada Emergency Watch & Financial Transfers):** Karanga +1-613-996-8885(sos@international.gc.ca).
• Australian & New Zealand Citizens: Australian DFAT 24/7 (+61-2-6261-3305, Nga Taonga ohorere a nga Ratere); Aotearoa MFAT (+64-99-20-20-20).
• Tangata Tangata o te Kotahitanga o Europi: Whakapa atu ki to Embassy o te motu (me tetahi mema o te EU Embassy State i raro i te Tuhinga 23 TFEU mena karekau he miihana a to rohe) mo te ruruku moni ohorere.
• Mo nga pirihimana o te rohe me nga Pirihimana Tuhiihi puta noa i te ao ki te tiki i tetahi ripoata whenua tahae, tirohia tau ohorere.

Pātai auau¶

Me pehea e taea ai e au te whiwhi moni tinana ki tetahi whenua ke mena kua tahae taku putea karekau he kaari nama, nama nama ranei?¶

I te mea kei a koe tonu to uruwhenua tinana (he Uruwhenua ohorere ranei mai i to karere), e rua nga whiringa tere ka tuku moni rohe ki o ringaringa i roto i te 30 meneti ki te 2 haora. Tuatahi, ka taea e koe te waea ki a Visa Global Customer Assistance (+1-303-967-1096 collect) or Mastercard Global Service (+1-636-722-7111 collect) mai i tetahi waea whenua hotera; ka mahi tahi ratou me to peeke tuku ki te whakamana i te Toha Moni Ohotata ($200 ki te $2,000+) ka waea tika atu ki te Western Union e tata ana ki te kaute MoneyGram mo te tiki me to uruwhenua. Tuarua, mena kei a koe tonu to waea atamai, pona ranei (ka taea ranei te waea atu ki tetahi mema o te whanau i te kainga), ka taea e koe, e to whanaunga ranei te tuku i te ipurangi Western Union, MoneyGram, Ria whakawhiti ranei ki te "Cash Pickup" i roto i to ingoa uruwhenua katoa, ka taea e koe te kohikohi moni i tetahi waahi kaihoko rohe i roto i te 15 meneti ma te whakamahi i to uruwhenua me te nama aroturuki (MTCN).

He aha mehemea i tahaetia taku uruwhenua i roto i te peeke rite tonu ki taku putea, na reira kare a Western Union e tuku i ahau ki te tiki moni kaore he ID whakaahua?¶

Na te mea ka tino aukati nga ture aukati moni-moni ki nga kaihoko o Western Union me MoneyGram ki te tuku moni me te kore he ID whakaahua a te kawanatanga, e toru nga mahi tika mena ka tahaetia to uruwhenua me to putea: Tuatahi, mena kaore i tahaetia to waea atamai, waea atu ki to peeke ki te whakaatu i to kaari tinana kua tahaetia ka tono kia panahia te kaari whakakapinga mamati i nga wa katoa ka taea e koe te whakamahi i te kaari whakakapi mamati ki roto i to peeke Apple, Utu ranei ka taea e koe te whakamahi i te peeke putea a Google, utu ranei i nga wa katoa. ka whakaaetia te tap-to-pay. Tuarua, ui atu ki to kaiwhakahaere tepu o mua o te hotera, ki tetahi hoa haere pono mai i to whenua whenua i to hotera mena ka taea e koe te tuku $100 inamata ma te PayPal, Zelle, Venmo, Wise, Revolut ranei hei utu mo te $100 i roto i nga moni o te rohe kia taea ai e koe te utu mo te taraiwa me nga whakaahua uruwhenua kia tae atu ki to Embassy. Tuatoru, haere tika atu ki te wahanga Consular o to Embassy's Consular; Ka taea e nga Apiha Consular te manatoko i to tuakiri ma te whakamahi i to konae uruwhenua koiora o mua i runga i ta raatau rorohiko, te tuku Uruwhenua Ohotata ki a koe i te waahi, me te tuku moni i waeahia e to whanau na roto i te punaha remittance tangata whenua rawakore a te Embassy (pēnei i te OCS Trust a te Tari o Amerika).

He aha ahau ka pehi tonu ai i te "Whakahekea te Huringa" me te "Te utu mo te Moni Paetata" ki nga ATM me nga miihini kaari kee?¶

Ina whakauru koe i to kaari kaainga ki roto i te ATM ke, te utu ranei i tetahi toa ke, ka whakaatu te mata i te tuku tere ki te pire i to putea i roto i to moni kaainga (hei tauira, US Dollars, British Pounds, Canadian Dollars) hei utu mo te moni rohe (pēnei i te Euros, Japanese Yen, Mexican Pesos, Thai Baht ranei). Ko tenei tikanga e kiia ana ko Dynamic Currency Conversion (DCC), a he mahanga utu kua whakamanahia. Ina pehia e koe te "Whakaaehia te Whakawhitinga / Pire i roto i te Moni Kainga," ka whakamanahia e koe te kaiwhakahaere ATM ke, peeke kaihokohoko ranei ki te tono i a raatau ake utu utu, e taapiri ana i te 7 paiheneti huna ki te 18 paiheneti tohu mo te reiti maakete tuuturu. Ma te pehi i te "Whakahekea te Hurihuri / Haere tonu me te kore Hurihuri / Utu i roto i nga Moni a-rohe," ka oti tonu to tangohanga, engari ka whakahaerehia te huringa moni i runga i te reiti putea rarawe a Visa, Mastercard ranei (te nuinga i roto i te 0.2% ki te 0.5% o te reiti waenga-maakete), ka penapena koe i te $15 ki te $45 mo ia tangohanga $250.

Me pehea e whiwhi ai ahau i te waehere haumaru SMS 6-mati a taku peeke ki tawahi mena ka whakawetohia e au te haereere o te ao, ka hoatu ranei he SIM haerenga rohe ki taku waea?¶

Mena ka tukuna e te punaha tinihanga a to peeke he waehere whakamana SMS rua-waahanga ki to nama waea kaainga i a koe i tawahi, kaore koe e utu utu nui mo ia ra mo nga utu roera raraunga kia whiwhi ai koe. Mena kei te whakauru tonu to SIM kaainga, eSIM ranei ki to waea, whakatuwherahia nga tautuhinga pūkoro o to waea, whakahurihia to raina kaainga, kia whakawetohia te "Roaming Raraunga" (kia kore ai e taea e to waea te whakamahi i nga raraunga waea utu), ka ON "Waea Wi-Fi" i te wa e hono ana ki te Wi-Fi hotera, kawhe ranei. Tata ki nga kaikawe kawe waea nui katoa ka tuku karere SMS taumai i runga i te Waea Wi-Fi, i te tohu pūkoro taketake ranei mo te kore utu ($0.00), ka taea e koe te whiwhi i te waehere peeke 6-mati me te iriti tonu i to kaari. Ka mutu to haerenga, ka wetewetehia ranei to kaari, tono ki to peeke kia huri i to motuhēhēnga-rua mai i nga karere kuputuhi SMS ki te whakamotuhēhē-a-taupānga, ki te kupuhipa taputapu ranei.

Me aha ahau mena ka horomia e tetahi ATM kee taku kaari nama ka kore e tuwha mai ki waho?¶

Kaua e haere atu i te ATM, kaua rawa e tukua he tangata kee e tu ana i muri i a koe ki te korero ki a koe ki te pato i to PIN mo te wa tuarua i a ratou e matakitaki ana i ou maihao (he mahi mahanga kaari "Lebanese Loop"). Tu tika ki mua o te miihini, purihia te ki CANCEL tinana mo te 10 hēkona, ka tatari mo te 3 ki te 5 meneti kia kite mena ka whakaara ano te huringa o te miihini ka puta te kaari. Mena kei te mau tonu te kaari ki roto, whakatuwherahia to tono peeke waea i mua tonu o te miihini ka maukati, whakatio ranei te kaari i te wa tonu. Mena kei te piri tinana te ATM ki tetahi peka peeke tuwhera, haere ki roto me to uruwhenua me te patai ki te kaiwhakahaere o te peka mena ka taea e ratou te tiki mai, ahakoa me mohio koe i roto i nga whenua maha nga ture haumaru peeke e hiahia ana nga manga ki te tapahi aunoa i nga kaari kee i mauhia e te ATM kaua ki te whakahoki mai.

Nga kaiarahi e pa ana¶

• Nga tinihanga rererangi me te haumaru whakawhiti
• Kua ngaro te uruwhenua, tuhinga haerenga ranei
• Ko te Embassy me te awhina consular ki waho
• Te hokinga ohorere me te hoki ki te kainga

Nga puna me nga aratohu whai mana¶

• U.S. Te Tari Tari, Te Tari Kaihoko (7 FAM 300): Awhina Putea ohorere mo nga Tangata U.S. Citizens Tawahi (OCS Trust Nga Tikanga Remittance me Form DS-3072 Nga putea mo te whakahokinga ohorere).
• Te Tari Tiaki Putea Kaihoko (CFPB, United States) & UK Mana Whakahaere Putea (FCA): Whakawhitinga Putea Hiko (Regulation E, 12 C.F.R. Wāhanga 1005): Nga Tepe Whakaaetanga Kaihoko mo nga Tango Kaari Kaari Kare i Whakamana me te Huringa Moni Hihiko ki Tawahi (DCC) Whakaaturanga.
• Visa Inc. & Mastercard puta noa i te Ao: Ratonga Awhina Kiritaki o te Ao (GCAS) me Mastercard Global Service (MGS) Nga Paerewa Whakahaere mo te Putea Moni Ohotata (ECD), Whakakapinga Kaari ohorere (ECR), me nga Ture Whakataunga FX rarawe.
• Uniana Uniana Pakeha mo te Mahi Mahi Ture (Europol) & Federal Bureau of Investigation (FBI): ATM Skimming, Deep-Insert EMV Shimming, and Physical Card-Trapping ("Lebanese Loop") Aratohu Aukati.
• Te Tari Tawahi, Commonwealth me te Whanaketanga (FCDO, United Kingdom) me nga Take mo te Ao Canada: Te Moni Tahae, Nga Kaari Peeke Whakatio, me nga Moni Kaitaunara ohorere ki Tawahi.