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Ibhange yisikhungo sezezimali esakha umlamuli oyedwa wezikweletu ngamadiphozithi, imalimboleko, ukushintshana, ukonga namanye amabhizinisi.
Ibhange yibhizinisi elisebenzisa uhlobo lwemali. Ukuba khona kwayo kusiza ukuxhaswa ngezimali kanye nokuxhumana kwezikhwama zezenhlalakahle. Iyilungu elibaluleke kakhulu lezikhungo zezimali.
Idatha yasebhange kufanele ibe nenkani futhi ingabekezeleli noma yimaphi amaphutha, ngakho-ke umsebenzi oqhubekayo obukhoma awunakugwenywa. Amasethi ejeneretha kadizili asetshenziswa kabanzi embonini yamabhange.