---
title: "Abank n medden"
description: "Abank ur d-yseldi ara, ur ifekken ara, ulac isnafaren. D amkan kan i wesgar n udrim. S tafrut tamazgant, ayagi yebbeḍen ɣer ilelli ad iddu."
canonical: https://www.askgib.com/kab/articles/the-peoples-bank
last-updated: 2026-04-27
lang: kab
---
# Abank n medden
> Abank ur d-yseldi ara, ur ifekken ara, ulac isnafaren. D amkan kan i wesgar n udrim. S tafrut tamazgant, ayagi yebbeḍen ɣer ilelli ad iddu.
By Gibril Bachouchi. Filed 2026-04-27. 6 min read. Web page: https://www.askgib.com/kab/articles/the-peoples-bank
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Tessekedceḍ tafraẓt-ik di bank.
Bank yawi adrim-ik, yseldi-t i wbaṛani s 6%, yetxellis-ak 0.5%, yeṭṭef azal n 5.5%. Sakin ad k-d-yawi afuri n umiḍan i waggur, afuri n overdraft, afuri n usnaqal s wire, afuri n ATM n berra-network, afuri n "asefrek," d afuri n "aɣmis n lkaɣed." Sakin yesseqdac aḥric n ifuriyen-is ɣef tedlilt n Super Bowl akken ad k-yini acḥal i yḥemmel tdusi n tdrimt-ik.
D aɛqad. Tetfekkdeḍ-as unsab i izeggdben tanezzut-is akk. Yettxellis-ik ɣef wezref ad as-tetfekkeḍ-t.
Ilaq ad yili ufran-nniḍen.
**Tanezzin 1: agar.** Tetfekkdaḍ-as adrim-ik. Yeṭṭef-it. Tezmreḍ ad t-id-tessufɣeḍ mi tebɣiḍ, ad t-tesnaqaleḍ, ad t-tessadleḍ s tkarṭa. D aḥric i tesseqdaceḍ s tidet. D aḥric i d-yefkkar ulac fellas akken ad iseyyer. Asegmaḍ n iẓwaren imuṭanen, deg 2026, d yiwen seg yelhan irxisen akk i tezmer tnezzin. Anaqib n yiwen umiḍan-nniḍen yebbeḍ ɣer 0.
**Tanezzin 2: aseldi d wsegri.** Tifraẓin-ik ttwaǧmen yerna ttwasleḍen. Sseqdacen-tent diɣen d arkun i wuxeddim asegrayan n bank s yiman-is. Imortgagen. Iseldiyen n tnezzut. Tisɣiyin n bond. Tideerivivaten. Tikwal asegri uṣlat. Mi yefcel ubank, Silicon Valley Bank di 2023, Credit Suisse aseggas-nni, mliyat n ibanken iɣiranen di 2008, werǧin ur yefcel ara axaṭer tanezzin n usegmaḍ tezzef. Yefcel axaṭer tanezzin n useldi d wsegri texdem ileqḍen ifefan, yerna adrim n imxedman yella d arkun.
| Acu yeḍṛan i tefraẓt-ik n $10,000 deg bank atinezziyan | |
|---|---|
| Tafraẓt-ik | $10,000 |
| Bank iṭef d aṛezarvi (10%) | $1,000 |
| Bank yseldi (90%) ɣef 6% | $9,000 |
| Amraran yerra | $9,540 deg useggas |
| Bank itxelles-ak (0.5%) | $50 |
| **Bank yeṭṭef azal** | **$490 (5.5%)** |
*Tefkkdeḍ tinekka i useldi n $9,000. Bank yerbeḥ 10 imuren ɣef wayen ay-d-yefkkad i tnekka-yya.*
Acuɣer iḍafaren? D taɣemma n umazray. Deg yifucka isaman 18-rad d 19-rad amḍan-iseggasen, ibanken sɛeḥwajen tifraẓin akken ad ssufɣen aseldi-nsen, yerna imexdamen ttafen aḥraz s uẓayar n usnefli n useldi yezmer ad ixsre. Aɛqad yefuhem deg lawan-nni. Tura, s assurance n bank aɣelnaw, tafrut tamazgant n usefra, d inegrawen n digital ledger, asefled yezmer ad yefked.
Tasudut ur nrebbeḥ ara. Tetwasem s wmsuned sɣur bab n imḍanen, akken n iyibgan icrek. Ulac isnafaren n berra i sufuɣen tabazart. Ulac iqecceṛen n iflumen i imussalen.
**Iṭipan n umiḍan: yiwen.** Amiḍan n tefraẓt ɛadi. Tessadiḍ adrim, tssufuɣeḍ adrim, tsadileḍ-t s tkarṭa atɛamali neɣ s tabbiwt tadigital, tnaqaleḍ-t ɣer imiḍanen-nniḍen. D aya akk d afares.
**Asegri d-yetwaxelsen:** anaqib n ngezg n bank ameqran, nakes anaqib amezgan amecṭuḥ (ahat 0.10% akken ad d-yefk tafrut). Mi yetxellis bank ameqran 5.25%, imefkkaḍen ttawin azal n 5.15%. Mi yetxellis bank ameqran 0%, imefkkaḍen ttawin 0%. Asɛeddi yelha-d yerna iberreḥ.
**Aseldi:** ulac. Bank n medden ur iseldi ara adrim. Ur iseyyer ara adrim n imefkkaḍen. Tafraẓt akk tetqim deg bank ameqran neɣ deg yiseɣnen unsiben n ufafil. Aẓayan n ssuma yusan ɛqeqlay am wakken yesselḥa unaman.
**Ifuriyen:** ulac drus. Ulac asefrek n waggur. Ulac overdraft (amiḍan kan yegdal isegra ar zemren ad t-ssrar). Ulac ifuriyen n wire (asnaqal gar imiḍanen n Bank n medden ilelli; iwireyen ɣer berra rrnden anaqib n tidet, d cents). Ulac ifuriyen n ATM ɣef network n Bank n medden; aɛqad n unaqib d inurra n umsaɛiwen.
**Tafrut:** tamazgant, atumal amezwaru, akemmel kan atinukrazi. Tikarṭa atɛamali. Anas amuṭnan. Asagen aweb. Asyada n umsaɣ i wuguren. Iɣamiren ileliyyiin yerna drus, bank afekkan ilelli yetuɣ kan amazray n teqdiart taɛeddat.
| | Bank atinezziyan | Bank n medden |
|---|---|---|
| Ayla | Isnafaren | Imefkkaḍen |
| Aseldi | Ih (s tnerni) | Ulac |
| Anaqib n usegri i imefkkaḍen | 0.5% (n ɛadi) | Anaqib n bank ameqran nakes 0.10% |
| Ifuriyen | Aṭas | Bbeḍen ɣer 0 |
| Aɣilif | Atilawt | Ulac (tafraẓt deg bank ameqran kan) |
| Asnas n tebzert | Imɣur | Ulac |
| Iɣamiren | Mliyat | Drus neɣ ulac |
| Imexdamen | Imileyen | Tarbaɛt tamecṭuḥt |
D aya akk d asudut. Asuffaɣ n bank amazgan, iṭebsiten n usegmaḍ, tirubaɛ n usefrek n weɣbel, tafrut n underwriting n iseldiyen, ableɣ n marketing, suite n imussalen, izref n usefrek n usnafal, yal aya yruḥ. Acu i d-yegran d aḥric i tesseqdaceḍ s tidet.
Yedduri ad yili. Tikebbaniyin n usegmaḍ qerbnt-d. Akkenni postal banks di kra tmura. Akkenni tikebbaniyin n usegmaḍ tunsibin di kra Turuft d Aziya.
Maca yal yiwet seg-sent tetwasrub s kra n tarrayt. Tuget n tikebbaniyin n usegmaḍ di US tsleldident s tnerni, mačči n tidet d storage-only. Postal banks di Japun (Yucho), Almanya (zik Postbank), d imukan-nniḍen mxalafent mliḥ deg ufaz. Ibanken n uwannak tikwal ttwaḥerken sɣur tasertit neɣ ttwafsen i wseldi i tisitin yetwafarnen.
| Iferran ittasen yakan | Atal |
|---|---|
| Tikebbaniyin n usegmaḍ (US, UK, Kanada) | Iqerb ɣer umedya, maca ɛad sleldident |
| Postal banks (Yucho Japun; zik Postbank Almani) | Aleqdem amxalef |
| Wise | Asnaqal amaḍrayan kan, atinezziyan |
| Asegmaḍ atumal n Estonya | Iqerb ɣer umedya akemmel atumal |
Asawer awulim, atinezzayan, asegmaḍ kan, ifuriyen bbeḍen-ɣer-0, iseyyer s tafrut tamazgant atumal, ulac-it n tidet ɣef wsmuked. Iqerben d tikebbaniyin n fintech am Wise (i wsnaqal amaḍrayan) neɣ Apple Cash d Cash App i wsegmaḍ n tifraẓin timezyanin. Maca tigi d tikebbaniyin tisinanin s isnafaren i ineggura bɣan tariri-nsen. Tagusda mačči d tamzawat. Tdamsa ad teḥtem akken ad ad d-uɣalen d ibanken n tidet neɣ ad d-tt-id-aɣen.
Ay-iɛuq d umedya unsib: bank n tidet, ameqran s tilawit i wseqdec, yetwasuneɣ akken ulac ufus-ngad i izemren ad d-yawi azal seg-s.
**"Maca amek ad d-tessigi tdamsa s yiman-is?"** D aya d tiriri tunṣiblat n ubankri. Ma yedda yal yiwen ad yawi adrim-is ɣer bank ur nselli ara, ansay-d ad d-asen iseldiyen i ixxamen d tinezzin?
Tiririt tilawit: seg ibanken n useldi, i ad qimen n tidet. Bank n medden d *afranan*, mačči d ulus. Win i ibɣan ad d-ikkin deg unagraw n usegmaḍ-aseldi i iɣbalen yezmer ad yeǧǧ adrim-is di Chase neɣ Citi. Bank n medden d-yefk i yal yiwen-nniḍen ufranan ad yeffeɣ. Deg uxeddim, tuget n medden ad bḍunt adrim-nsen, tinefqit n ass-id-yefk d wsegri n usefa di Bank n medden, adrim n usegri ɣur brokers, kra n usexlebẓi n useldi di bank ɛadi ma ibɣa.
Anagraw n useldi ad imɣur, maca ur d-itɣar ara. Yerna aseldi i ixeddem ad isseḥwaǧ ad yawi-d imefkkaḍen s tinezdeg, s wasunaɣ n anaqib n usegri i d-itfekkar tilawit i yiɣbalen i wessaden imefkkaḍen. Tura, ibanken ttuɣalen ssaɣen 0.5% ɣef imiḍanen i ssadlen iflumen n 6% n imortgagen axaṭer tuget n imefkkaḍen ur fhimen ara belli ufayen tanezzin n bank. S ufranan afaffat, taɣemma n talɣut ad teɣleq.
**"Ad yefcel mi yeḍṛa-d kra?"** Uhu, axaṭer ulac aẓetta n usegri i yezmer ad yefcel. Tifraẓin tetqim deg bank ameqran neɣ deg urhamen n ufafil unsib. Tasudut, s uneḍrir, d tasudut tudezant ifazen i tezmer tdrimt. Ulac aɣilif n tjaḥdent, ulac aɣilif n usaldi, ulac aɣilif n tlemmast. Yiwen ubrid kan i ad yefcel d ma yefcel bank ameqran s yiman-is, deg lawan-nni akk imeklaẓ ttwakkasen deg tdamsa akk.
**"Anwa i ad t-isseyyer?"** Imeglagen imussnan imeḍyanen. Asegmaḍ n yal ass n bank n usegmaḍ-kan deg 2026 ittwaxedim tuget-is atumal. Tarbaɛt ad temẓi ugar n tuget n tikebbaniyin n usegmaḍ. Aball ad yetwafren sɣur imefkkaḍen, akken ttwafrnen iball n tikebbaniyin n usegmaḍ. Tinɛumin ad ilint d tinɛumin imazganen n tnezzin atinekraziyat, mačci tinɛumin n Wall Street, axaṭer ulac lxedma n Wall Street i ittwaxedmen.
Anaru ifazen d anaslan. Tura, tuget n medden ttuwiḍ unagraw n tdrimt am imsaɣen n umnenni ifefan. Bank d tikebbant ay-d-tessufuɣ tabzert ɣef tagara-k. Yal afuri, yal aɣtas n unaqib n usegri, yal afares ittwasunaɣ akken ad isɛeddu lxedma n bank. Mačči kečč d amsaɣ. Kečč d alguda.
Bank n medden iqlibb ayagi. Kečč d aɛeggal-ayla n tasudut i iṭṭfen adrim-ik. Anaqib n usegri ay-tetawiḍ ur yetwaẓayen mgalk, d asɛeddi n wayen i d-ittak bank ameqran i tasudut. Ifuriyen i tetxellseḍ d isuter n weseyyaḍ, mačči d tabzert. Tasudut tella akken ad k-texdem, axaṭer ulac wayeḍ i tt-texdem.
D nettan d ayen i tella tikebbaniyin n usegmaḍ tikti-yas. Bdunt deg 19-rad amḍan-iseggasen d tikebbaniyin n usenamel i imexdamen d ifellaḥen i ur ten-id-iɣar ara aẓumar n tidet seg ibanken. S kra n wakud, tuget-nsent tehwa ɣer wasiken am-uvank, axaṭer nnaɣent d ibanken ɣef wseldi. Bank n medden ad ikra s tunṣa, ulac wseldi, ulac aɣiwa, akken ad ur tezmir tikfit tamezwarut ad teqraz.
I wnagraw atinezzayan akk, tellit n ufranan n usegmaḍ azedel ad teḥttem ibanken atinezzayan ad nnaɣen ugar s tnezdeg. Ur zmiren ad qimen 0.5% n ssaɣ n usegri mi yili ufranan ulac fellas asawl yetxellis 5.15%. Ad sseḥwajen ad ad alin asaɣ n usegri neɣ ad mẓin. Amenta ufaz seg umedya n tura.
Aya ittwaẓmer atikniki. Yerna unusiblat asertanan akken ad d-isnef di tuget n tmura, axaṭer alubin n bank ad innaɣ s ufud.
Ibanken ṭṭfen aḥric meqqer n tneflugarriwin tiɣelnawin, ladɣa di US d UK. Ur ttaǧǧan ara s tilelli amenharzaḍ ad yili i isruḥ anabaḍ-nsen atisedman atdamsan. Ad nawalen belli aya ad isxeẓfeẓ unaman atisedman, ad isruḥ tellit n usaldi, "ad iṭṭel n tdamsa seg unsab," d kra-nniḍen. Kra seg yiɣbasen-a ttwafkan s tnezdeg. Tuget ttwafkan sɣur medden i imexdam-nsen yedda ɣef umedya n tura ttkemmilen.
Abrid azedig ahat mačči d aleɣ-it s usaḍuf aɣelnaw, maca d asenker am tasudut tikebbant-n-usegmaḍ-rnu deg ujwiḍ ineflugan-anaḍar, anida i tella tasaḍuft taqqurant n usenneg n umsaɣ, tafrut tamazgant atumal, d aleɣ aseyyaḍ ilelliyyan ɣur-s. Estonya, Suis, ahat Zelanda Tamaynut neɣ Singapore. Erra-t ad iddu meẓyan, sken umedya, snerni seg dinna.
Mi telli tellit n Bank n medden i ittlhun deg yiwet tamurt, atɣar ad t-id-rcen-t deg-nniḍen ad yuɣal d aweɛr ad iṭuṭen. D nettan amek Wise yesnerni-d ssuq amaḍrayan n usnaqal n tdrimt mgal asebɛem n ibanken. D nettan amek Vanguard yesnerni-d index fund arxis mgal tasnaɛit n iflumen yetwasewqamen. Aleɣmu: bnu afranan i d-ilhun deg ujwiḍ ilelliyyan, sken ayen i d-yefk i useqdec, eǧǧ aɣaɛs asertan i wesnerni ad d-yebnu.
Asegmaḍ mačci d afares uweɛr. Tatiknulujit tetwafserdan. Tafrut ass-id-tella. Ssbab kan i ad imdanen ttxellisen iẓwiyen d ifuriyen i wsegmaḍ amzwaru n udrim d akken tasnaɛit n bank tsɛedda sin n teqdiarin tessufuɣ-d ulac ufranan-nniḍen.
Bank n medden d acu ilaq ad iban usegmaḍ mi nakes iḥricen i llan akken ad asen-d-yawi azal seg imefkkaḍen. D amzawat. D atinukrazi. D arusin. Yetxellis-ak ayen i ittawi adrim-ik n tidet di bank ameqran. Ur izenz ara isefka-k, ur iseyyer ara s tefraẓt-ik, ur d-yetfekkad ableɣ n marketing akken ad iqenneɛ amek llant tɣawsiwin d amek ilaq ad ilint.
Ur tesseḥwajeḍ ara ad teɣreḍ atinzar akken ad teffɣeḍ seg uxeddim atinezzayan. Tesseḥwajeḍ kan amiḍan.