I-bank i-akhawunti unako njengalowo njengoko itheyibhile okanye i-iyabala uxwebhu lomgaqo-amatyala kwaye amatyala phakathi banker kwaye yakhe umxhasi (aph ye-code of commerce)Ngoko ke, kubalulekile i-iyabala uxwebhu apho ingoma imisebenzi yenziwa yi-umxhasi yakhe budlelwane nge-credit iziko. Oku asikuko ukuba kuthetha ukuba zonke banking eyenziweyo ingaba governed nge enye ngokufanayo-akhawunti. Senzo bank uyayazi ezahluka-akhawunti ye-natures ka-disparate ngokulawulwa ethile, imigaqo: yangoku i-akhawunti idiphozithi-akhawunti okanye ezinye ezikhethekileyo-akhawunti encompassing savings ii-akhawunti, amatyala amaninzi kwaye ii-akhawunti kunye ezininzi holders. Inani bank ii-akhawunti ukwanda considerably kwixesha elidlulileyo aliqela eminyaka njengoko ngenxa iziphumo kwezoqoqosho kwaye urhwebo, kodwa kanjalo yi-intshukumo ye-legislator abo, ngezizathu olukhawulezileyo lwemali, kwaye yezemali phezu kwendawo, stimulate, okanye nkqu imposed ukusetyenziswa banking ngemali. Abaninzi intlawulo kufuneka transites ngokusebenzisa i-akhawunti ebhankini I-ukuvula ibhanki i-akhawunti sele kuba necessity kuba na wendalo okanye isemthethweni umntu. Xa uvula kwaye usebenzisa i-akhawunti ebhankini zisuke izenzo, unmarked, eminye imisebenzi enokuba zoko ukuba kungcono ukwazi (amandla lamagqwetha, edibeneyo i-akhawunti) ukuvula i-akhawunti liphakamisa eziliqela imibuzo enxulumene ingakumbi ukuba inkululeko isivumelwano (§), formalities ukuba kuqwalaselwa phambi uvula le-akhawunti (§) kwaye izibophelelo le bank ngokumayela inkqubo yokufunda (§) ukuvula ibhanki i-akhawunti poses a kuqala umbuzo malunga malunga nenkqubo yolawulo olumanyanisiweyo imfuza kuba bank ukuba kwaliwe ukuvula i-akhawunti ye-sicelo. Lo mbuzo liphakamisa eminye imibuzo enxulumene: - Yintoni iqondo autonomy yentando nenkululeko kuba bank angene isivumelwano. I-bank fulfils inkonzo karhulumente kuthintela ukuba kwaliwe nayiphi na i-akhawunti ivula ukuba umxhasi. I-akhawunti kwesi sivumelwano yi isivumelwano intuitu personae Kukho ilungelo ukuba i-akhawunti njenge corollary ye-obligation made kwezinye iindawo yindlu yowiso-mthetho okanye nge-ukuziqhelanisa ka-ukuvula i-akhawunti ebhankini. Zonke ezi imibuzo kusenokuba ukuphumela ukuba imiba emibini: inkululeko isivumelwano (A) kwaye unelungelo i-akhawunti (B) enze yi-bank of inkonzo karhulumente umsebenzi musa kuthintela kwi walile ukuvula i-akhawunti i-sicelo (consumer) ngaphandle exposing ngokwabo ukuba esangezelelweyo ka-ukwaliwa kwesicelo ukuba isivumelwano phantsi inqaku we-royal ummiselo ngomhla okukhusela umthengi kwaye yi-amacandelo amane anesithoba kwaye umthetho n° - kwi inkululeko amaxabiso kwaye ukhuphiswano, okanye naliphi na isohlwayo ngokungabikho. Inkululeko kuba bank ukuba kwaliwe ukuba isivumelwano wenziwe lunxulumano, implicitly, yindlu yowiso-mthetho, akukho ukuthandabuza ngenxa uphawu ka-intuitu personae kubudlelwane phakathi bank yayo, umthengi. Malunga nenkqubo yolawulo olumanyanisiweyo imfuza kuba bank ukuba kwaliwe ukuvula i-akhawunti ibandakanya ezinye nokukhululeka, ezifana malunga nenkqubo yolawulo olumanyanisiweyo imfuza ukwenza, kwi-sikhokelo somgaqo-yokusasaza ngeenjongo zokurhweba-nkqubo exclusion ezincinane ii-akhawunti, ukuvula i-akhawunti yakho kunye phambi intlawulo ethile isixa imali. Ilungelo kuba bank ukuba kwaliwe ukuba isivumelwano ifuna ukuba ube zidibene kunye ilungelo yendalo umntu okanye isemthethweni iqumrhu ukuvula i-akhawunti ebhankini. Kuthathelwa ingqalelo kwesigqibo lo mthetho, inqaku ye-banking umthetho ubonelela ukuba"nawuphi Na umntu owenza akanalo yangoku i-akhawunti kwaye waba wala ngabanye okanye ngaphezulu iibhanki, ukuvula ezinjalo ingxelo emva kokuba ulwenzile eceliweyo yi-ebhalisiweyo ileta kunye ukwazisa info: whatsthis ka-kokuba zifunyenwe, babe cela Bank Al-Maghreb ukuba designate i-credit iziko apho kuya kuba bayakwazi ukuvula enjalo i-akhawunti.
Kwimeko apho kufunyenwe ukuba uqwalasela ukuba ukwaliwa kwesicelo ngu-hayi kulungile waseka, Bank Al-Maghreb le-credit iziko kunye apho i-akhawunti uya kuvulelwa.
Yokugqibela babe umda iinkonzo enxulumene uvula le-akhawunti ngomhla cashier imisebenzi". I-bank kwaye echongwe yijaji Bank Al-Maghreb akavumelekanga ukuba ale ukuvula i-akhawunti kulo mbuzo, phantsi esangezelelweyo ka-incur zoluleko eyimali, kodwa abavumelekanga ukuba umda umsebenzi we-akhawunti imali eyenziweyo, umzekelo i-kokuba zifunyenwe kwaye unikezelo ka-mali. I-banking umthetho uqulathe akukho lungiselelo njengoko malunga malunga nenkqubo yolawulo olumanyanisiweyo imfuza kuba bank ukuze uvale i-akhawunti emva yayo yokufunda, okanye ukwenza oku sele fence isivumelwano okanye ubuncinane i-kufunyanwe ulwazi le Bank Al-Maghreb Sibe kuthi ukuba oku ukuvala ngu possible by observing ixesha isaziso amathandathu imihla njengoko kuvunyelwa ngumthetho icandelo le- ye-code of commerce. Kubalulekile ukuya kwi-umxhasi wokwenza enye inkqubo kunye Bank Al-Maghreb kuba designation ibhanki kunye anako ukuvula i-akhawunti yakhe. Phambi ukuvula i-akhawunti, bank ezifunekayo ukuqwalasela ezithile formalities, enxulumene ingakumbi ukuba liqinisekise ka-isazisi nedilesi ye-sicelo (A), ayo amandla namagunya (B). Phambi ukuvula i-akhawunti, bank ulindeleke ukuba khetha i-uchazo iinkcukacha zayo abathengi kwaye iidilesi zabo. I-bank ngu obliged ukuqinisekisa isazisi na yesitalato umntu okanye isemthethweni qumrhu ukuba izicelo i-ukuvula i-akhawunti. Eziliqela-mthetho ezigunyazisiweyo zengxelo wagqitywa devoted ukuba ukuziswa kwaye yenza uluhlu amaxwebhu ukuba ukucelwa yi - bank ngolo hlobo. Kubalulekile kuba ndaqonda ukuba bank kufuneka kuwala kusini na uxwebhu oko kukuthi manifestly untrue, ngaphandle kuba konke oko ekubeni igcine netyala ukuba imveliso ngu kwimbonakalo, r-rhoqo. I-banker ezifunekayo ukuqinisekisa hayi kuphela ubukho be i-adresi, kodwa kuchaneka kule dilesi. Le end, wamkelekile ileta ithumele umxhasi phezu ukuvula i-akhawunti Kwimeko i-ayilunganga idilesi, credit ziko kufuneka uqinisekise ukuba oko nangayiphina kanye idilesi. Failing ukuba, unako landula ingeniso kwi budlelwane, kwaye ukuqhubeka, ukuba oko kuyasebenza apha, kwi-ukuvala le-akhawunti, kwaye oku phantsi esangezelelweyo ka-engaging yakhe eyimali.
