Imali, Iibhanki
Imali "Tinkoff": ncomo, iimeko, ubhaliso, notsalo imali
Namhlanje, kukho ezininzi beebhanki zombini eRashiya kunye nehlabathi jikelele. Yaye wonke umntu uyakwazi ukukhetha indlela engcono neemeko ezininzi ezifanelekileyo.
Kuphela ukufumanisa imbali, igama, iinkonzo kunye neemveliso zebhanki, ungenza kuzigweba iziko lemali ngokwayo. Eli nqaku liza kuxoxwa malunga inkampani joint-stock "Tinkoff Bank", okanye ngaphezulu kanye, malunga enye nakwiindawo zomsebenzi - amakhadi kuyitsala. Ukongeza, eli nqaku libonisa ukuba usebenzise indlela kubo, nendlela ukuvula okanye ukuvala i-akhawunti yekhadi.
isizukulwana esitsha lebhanki
Kodwa kuqala, jonga kwi bhanki ngokwayo.
Bank "Tinkoff" Liziko mali lokuqala ezinjalo, leyo ngokupheleleko amasebe nkonzo. Yonke intsebenziswano kuya Internet.
Oku kukuvumela ukuba sikhonze abathengi ngaphezulu kwe-4 million phesheya Russian imini nobusuku. Yiloo ngumxhasi we transactions akukho mfuneko ixesha angabikho emsebenzini okanye esikolweni aye ummeli ebhankini.
Nje uye online kwi-website ye ebhankini ngalo naliphi na ixesha lemini okanye ebusuku. Ngenxa yoku, eli ziko yemali imeko ngokwawo njengebhanki ngaphandle emide.
Ikhadi inkxaso isebenza imini nobusuku, kukho kwakhona ithuba ekuqhubeni intengiselwano nge zokubhankisha intanethi nangefowuni. Debit card "Tinkoff", ncomo apho uya kufumana kweli nqaku ungasetyenziswa iterminal ehlabathini lonke, kananjalo kube lula kakhulu ukuba kuhambo rhoqo aphesheya.
Ukongeza, i-Bank ubonelela ngeenkonzo wokubolekisa ngemali kunye arhente inshorensi. Oku kwanele ukuze kubonelelwe ngeendidi ezininzi ngokwaneleyo lweenkonzo, esebenza zenethiwekhi.
Xa nokubuyekezwa, ukuza kuthi ga ngoku, debit, ikhadi lebhanki letyala, "Tinkoff Bank", ngokunjalo neenkonzo zalo zokhuseleko kwinqanaba eliphezulu ngokwaneleyo.
Uluhlu olubanzi amakhadi debit
Ngoko ke, qhubeka ngqo amakhadi imali kanye, wona lawo asondezwayo yibhanki.
imali leyo ingakhutshwa nge-intanethi kwimizuzu embalwa, kukho iindidi asixhenxe:
Tinkoff Black.
OneTwoTrip.
AliExpress.
Lamoda.
eBay.
"I Messenger Club".
Mitsubishi.
Okulandelayo, simazi kunye neemeko ngamnye kubo.
Tinkoff Black
"Tinkoff Black" - ikhadi debit, nto leyo ilungiselelwe kakhulu kubantu abazisa ngexesha ukhetha ukufumana imali yabo.
inkonzo ikhadi uya kuba, ngokuxhomekeke ekubeni ikho na imali-akhawunti yekhadi kwi-30 amawaka. p., omnye amawaka. USD. 1 okanye amawaka. Euro. Kwezinye iimeko, ngokuba ikhadi kufuneka uhlawule ngenyanga engange 99, $ 3 okanye euro 3 ngokulandelelana.
iindleko zebhanki zenyanga kwi imali eseleyo kwi-akhawunti yekhadi ka-8% ngonyaka, ukuba kumgangatho ukuya ku 500 lamawaka engange, kwaye ngasentla - .. 4%. Kakade ke, ikhadi iya kuvulwa kwaye lwemali, kodwa kulo mzekelo, intsalela iya kuhlawuliswa% 0.5 kuphela ngonyaka.
Ukuphonononga bathetha izinto ezintle eziye ezi amakhadi debit ngomdla kwi intsalela - evela kwi-akhawunti yokonga ingenziwa nangaliphi na ixesha ngaphandle kokuthotywa kwenzala.
Kakhulu okanye kancinci? Ukuba uvula ikhadi kwi engange kwaye bachitha iintengiselwano ezifikelela kwi-10 amawaka. Engange, kwaye kananjalo babe eseleyo kwi-akhawunti kwi-mali ka-40 amawaka. Engange, umnyaka, ungenzi nto, uyamkelayo 5480 engange.
Ngoko ke yonke into zilungiselwe abaxhasi bazo, "Tinkoff Bank". ikhadi debit hlobo, ngokoqobo ethetha, uye wamkela imali. Njani kunokwenzeka oku? Ukusuka ukuthenga ngamnye, ukongeza, imali kunye neentlawulo nge zebhanki internet, ikhadi imbuyekezo-1% imali bachitha.
Yiya phambili. Ukususela namhlanje, unako ukubuyela kwi-5% of iintlawulo kwi movie, ezikhemesti intlawulo zezohlwayo zendlela. Ezi meko ziya kuhlala de kuDisemba waloo nyaka. Kuba "byi" ibhanki - uyakwazi ukugcina umkhondo kwi sayithi.
Ukuba ubhalisa nezaphulelo kwamaqabane ebhankini, ngoko uya kubuyiselwa ikhadi ukuya kwi-30% kwi kuthengwa iimpahla ezithile ezivenkileni zabo.
Akukho udaba ATM
Gcina ixesha yakho ivumela "Tinkoff Bank". Debit Ikhadi "Black" akayi kuchitha imizuzu ezixabisekileyo ukufumana ilungelo ATM. Unako ukuthatha inxaxheba ngokupheleleyo nayiphi na ikhomishini-free, ngokuxhomekeka isixa intengiselwano ukusuka th 3000. Engange. okanye 100 ngo. e.
Ukongeza, ikhadi recharge yaye akukho nzima. Zigqithiselwe kuyo imali evela kwenye ikhadi nayiphi na ibhanki nge-intanethi simahla, "Tinkoff Bank" Ingaba kubiza imirhumo kulo.
Kwakhona ixhasa iteknoloji intlawulo licwecwe Visa payWave kunye Mastercard PayPass, nto leyo evumela ukuba uthenge nje bethwele yakho terminal debit khadi.
Lula ukwenza mali lobuqu
Kuthiwa ukuze wonge imali, kufuneka kuqala ukuqala mali, nto leyo izakubonisa enabela zakho zemali. imali nge inzala eseleyo "Black" kuquka khetho ukuqhuba ngokuzenzekelayo kwijenali okhethekileyo.
Zonke izinto ozithengayo uze iindleko ziya kunikwa ngekhompyutha elinikiweyo kwicandelo. Kwaye ukuba wonge imali ingafakwa kwicandelo ngalinye imida ethile.
Ukuba ngaba ufuna ukuchitha imali kwikhadi debit "Tinkoff Black", emva koko yenze nayiphi na imali. Ngokuba zonke iimali, eli khadi luyakhutshwa iinkonzo simahla.
Banking Web kwinqanaba eliphezulu
Ekubeni "Tinkoff Bank" liziko-mali "into" kuphela kwihlabathi virtual, iimfuno ukubhankisha internet kolube phezulu kakhulu. Ngapha koko, le umxhasi akakwazi qhagamshelana isebe kwi yokuhlala kunye iintlawulo zabo, ukudluliselwa kunye nemiba.
Abasebenzi ibhanki iqondwa ngokupheleleyo kwaye wadala inkonzo elula ngenene, ebalawula yi-ncomo. Abathengi uqinisekise ukuba nayo uyakwazi ukwenza nayiphi intengiselwano kunye amakhadi zayo, ukwenza iingxelo, ukungena nokuphuma kwemali, hayi nje kuphela kwi khompyutha, kodwa kwi kwifowuni yakho. Oko kukuthi, ibhanki lisoloko likho.
Yintoni ekufuneka ukuba uvule amakhadi?
Nje yiya kwi website, gcwalisa ifomu uze ulandele amanyathelo kwi resource. Lwaba ndibazalisa ngokunxila bonke ulwazi kuthatha malunga 5 imizuzu.
Ikhadi elitsha liya kufika kuwe kwiintsuku-2, ngokutsho abasebenzi zenkampani.
OneTwoTrip
Ukuba ungathanda ukuba ahambe kakhulu kwaye usebenzisa okanye ufuna ukusebenzisa iinkonzo inkonzo OneTwoTrip, ngoko uya kuza sibe luncedo nje ikhadi enjalo debit "Tinkoff Bank". Meko olubonelelwe ngumnini wayo, kuqwalaselwe ngezantsi.
. Ukuba ikhadi iya kuba isixa ezingaphezu kwama-30 amawaka engange, inkonzo yenyanga iya kuba 0 p, kwezinye iimeko -. 99 engange. ngalinye ngenyanga.
Uncedo engundoqo yinkqubo yebhonasi kuphela ekuvumela ukuba wonge imali nje kuphela zohambo, kodwa kwakhona ukufumana ezinye elungileyo zombini phesheya kwaye phakathi Russian Federation. Yenzeka njani le nto?
Kuba nganye uthenge nantoni na nale iindleko zebhanki khadi 1% bonus. Ukongeza, kukho ezinye iibhonasi ukuba ukusetyenziswa kwekhadi.
Ukuba wenze intlawulo ikhadi iinkonzo ehotele okanye itikiti, wena ufumane ibhonasi zilandelayo:
Hotels - 7%, amatikiti umoya - 3% xa intlawulo na ngalo isicelo Smartphones OneTwoTrip.
Hotels - 5%, amatikiti moya - 2%, ngokusebenzisa web-based OneTwoTrip resource.
Ngaloo ndlela, kuyenzeka ukuba ukuhamba ngexesha elifanayo uhola iibhonasi leyo, kanye kwakhona, ku tirhisa kwi kwiivawutsha ezintsha.
Ukongeza, njengoko kwi "Tinkoff Black" ikhadi kwi imali ethe-8%, ukuba intsalela lingaphantsi kwe-500 lamawaka engange, 4% zinikwa ukuba imali engaphezulu kwe 500 lamawaka engange ... notsalo Free kwemfuneko engange-3 million aya kukuvumela ukuba ukurhoxisa imali inzuzo naphi na apha ehlabathini ngaphandle ezigqithisileyo ezingeyomfuneko.
Akwazi ukuba niwuzalise indlela ikhadi debit "Tinkoff Bank" yale hlobo okanye nayiphi na enye? Ungafumana amawaka amanqaku kwi website ibhanki xa usebenzisa imephu ezibonwayo, leyo ngokukhawuleza kwaye simahla uya kukwazi ukuba uphinda uyigcwalise-akhawunti yekhadi yaye, ngokunjalo, ikhadi ngokwayo.
OneTwoTrip efana kowangaphambili, kwaye into yokuba unalo netheknoloji iintlawulo nangoko yi Visa kunye Mastercard, kwakunye njengokubhankisha mihla lula online.
AliExpress
Eli khadi debit "Tinkoff", iimeko kunye nenzala ichazwa ngezantsi, kusisiqhamo intsebenziswano phakathi iBhanki kunye kwindawo zokuthenga odumileyo. AliExpress iye ibekwe ngokwalo njengoko ivenkile inkulu yenyani eRashiya. Akumangalisi ukuba ibhanki bakhetha ngokubambisana.
Ukuba une imephu lwenu AliExpress nokuphumeza usebenzisa yentengo, uya kubuyela kwi-akhawunti ye-1% yesixa bachitha. Ukuba shopping kwisayithi ngaphezu kwisitora online kwikhadi ziya kubuyiselwa sele-2%. Xa nokubuyekezwa, le abanini ikhadi mnandi kakhulu.
"Tinkoff Bank" wanika imaphu AliExpress inqaku eziqokelelanayo, njengokubhankisha elayinini, kunye nemiqathango efanayo intlawulo, njengoko kwi amakhadi ezimbini ezidlulileyo.
Lamoda
Uthanda ukuba kusefashonini kwaye zinhle banxibe? "Tinkoff Bank" ikunika ukufumana kwayo inzuzo enkulu. Nje yiya kweli ziko lewebhu yeziko mali kunye nendawo Lamoda khadi, apho ufumana ufikelelo inani elikhulu iibhonasi ukusuka iqabane enye yebhanki, yenye kwiivenkile ezininzi yimpumelelo amadoda kunye nabasetyhini.
Loluphi uhlobo iibhonasi thina sithetha ngayo?
Kuba naluphi na ukuthenga kule venkile intanethi usebenzisa ibhange udluliselo 2% yexabiso yezinto. Kwaye ukuba ufuna ukufumana inzuzo enkulu, ke ngoko ukuthatha inxaxheba nezaphulelo kwivenkile yempahla. Kulo mzekelo, ikhadi lakho uya kuhlawuliswa kangangoko-30% ibhonasi.
Nokuba ngaba wenze loo ukuthenga rhoqo, uya kufumana ibhonasi 1% kuzo zonke iintengiselwano ikhadi enxulumene nokuhlawulwa kwempahla okanye iinkonzo ezahlukeneyo.
Eli khadi debit "Tinkoff", nto leyo ingenziwa notsalo imali ngaphandle iikhomishoni kwi-mali ka-3 amawaka kwiintengiselwano. P. kuyo nayiphi na ATM zehlabathi, iye nezinye iimeko njengoko ikhadi elidlulileyo.
eBay
Njengoko sele uqaphele, "Tinkoff Bank" ukhetha ukusebenza ezibambe kummandla e-commerce. Kwaye ngaphandle kangaka ngummeli wabo, njengoko eBay, akwazi ukwenza.
card debit Special "Tinkoff", iimeko ezo zinikwe apha ngezantsi, ilungiselelwe ngokukodwa abo bathanda ukuba bathenge kulevenkile online. ikhadi eBay kaThixo "Tinkoff Bank" uya konga imali futhi imali ukuthenga kwi-intanethi. Iimeko ziyafana kwikhadi yangaphambili, kodwa zonke oyithengayo uza kufumana amanqaku:
2% kuzo naziphi na ukuthenga kwi-intanethi (evenkileni eBay kuphela);
30% inxaxheba nezaphulelo kwamaqabane elunxwemeni;
1% kuzo naziphi na ezinye uthenge kwikhadi.
Zonke iibhonasi wena, ukuba ibe imali yokwenene ngomlinganiselo 1 indawo = 1 engange kwaye wenze ukuthenga evenkileni eBay. Ukuze wenze oku, kufuneka ukuqokelela loo amanqaku ubuncinane 2,000.
Vula ikhadi debit "Tinkoff Bank" eBay kunokuba ngendlela efanayo njengoko abanye - ngokwaneleyo ukuhlawula imizuzu emi-5. ngexesha labo mahala uye website ibhanki yakhe.
Imiqathango eseleyo kwimephu ziyafana nezinye amakhadi debit.
"I Messenger Club"
Kwelinye ilizwe ixesha elide liphuhlise inkqubo apho ezahlukeneyo iivenkile kunye nemibutho amanyene zibe iiklabhu single ukwandisa ingeniso yabo nenzala abathengi.
Asikwazi sithi nkqubo ibonakala kuphela eRashiya, kodwa okwangoku yaphuhliswa.
Bank "Tinkoff" yaye "I Messenger Club" sinikela ukukhupha ikhadi efanelekileyo, nto leyo eza kuvumela ukwenza ukuthenga inzuzo kwaye bafumane zibhonasi ezivenkileni - inkqubo Partners.
Xa uthenga impahla kwiivenkile iqabane loo abanini ikhadi uyakwazi ukufumana ibhonasi-14% ngohlobo ekuthiwa iingenelo. Nayiphi na enye kuthenga izakunika-1% kanye.
Njengoko 1 dibanisa 1 = Ruble izaphulelo, athwale eli khadi ibe bubulumko ngokwenene. Fumanisa ukuba kwiivenkile ngokubambisana kule program, nceda undwendwele i "Tinkoff Bank" yaye "I Messenger Club".
Kwakunye neminye ikhadi "Tinkoff Bank", phezu imali eseleyo kwi-akhawunti, uya kufumana-8% 4%, kuxhomekeke intsalela yemali yakhe. zebhanki internet Modern, kunye notsalo simahla na ATM yehlabathi nazo langoku.
Mitsubishi
Ukuba umnini wesithuthi evela brand nehlabathi-edumileyo Mitsubishi, ngoko unethamsanqa. Wadala ikhadi debit "Tinkoff", iimeko kunye nenzala ufunda apho kuyo, ukuze abanini iimoto Japanese.
yentlawulo nganye yempahla okanye iinkonzo kwiindawo zokutha ipetroli, ageze imoto kwaye izisa ikhadi le-2% yemali ngohlobo iibhonasi imisebenzi. Kuzo naziphi na ezinye uthenge wamwisela bonus-1%.
Zonke iibhonasi emfono zibe nokutshintshanisa ngomlinganiselo bonus 1 = 1 engange kuyo nayiphi na intengo okanye inkonzo kumaziko inkonzo Mitsubishi. Imali lincinane intlawulo kufuneka ungabi engange ngaphantsi kwama-500.
On website "Tinkoff Bank" lakhe iceba ukuba ekubaleni isixa iibhonasi, leyo inokufunyanwa usebenzisa le mephu. Ngokuzalisa le data lubanika umphumo kulandelayo: .... Ukuthenga iimveliso imephu ngenyanga kwi-20 amawaka engange, kwakunye nokusebenzisa iinkonzo izikhululo igesi kunye uhlamba imoto kwi-mali ka amawaka 15 engange, ungafumana 4800 ibhonasi. Kuba phantse enikiweyo kwixesha elingephi ixesha.
Ezinye iimeko ezifanayo amakhadi debit yangaphambili.
Imibandela lokuvala amakhadi debit
Emva koko, siya ukuphendula umbuzo ukuvala indlela debit card "Tinkoff Bank" naluphi na uhlobo.
Yenza kube lula ngokwaneleyo - nje uqhagamshelane Customer Service Centre kwaye ingxelo iinjongo zakhe ukuvala ikhadi. Oku kunokwenziwa mhlawumbi ngokusebenzisa i-Internet okanye ngefowuni ngokufonela inani ezidweliswe kwi-khadi.
abathengi Ibhanki xa bathi akukho nzima ukuvala ikhadi le debit "Tinkoff" nangaliphi na ixesha.
Izimvo amakhadi ebhanki
Ngokutsho kwabanye "rating yesizwe" oyakudibananazo kufuneka wena, kunokwenziwa isigqibo malunga uvavanyo ezintle amakhadi ebhanki kunye ngokubanzi. Umyinge Rating - ndawo yesi-4, nto leyo nemiphumo emihle, banikwe ukhuphiswano enkulu.
Kukho amabango ebhankini kunye bakhalaza ukuba iintengiselwano ikhadi zenziwa ngoko nangoko, kodwa ke zingaphelanga iintsuku 1-3. Umzekelo, ukuba uhlawula kunye ikhadi phandle, ungenza ukusirhoxisa okulingana engange akanguye umhla iinkonzo yentlawulo, yaye a kamva. Maxa wambi oku kubangela iindleko ezongezelelweyo.
Kodwa abasebenzi ibhanki kule meko ukuyiyeka, kuba ufakelo ezo isuke hayi ngabo kodwa Bonisa iinkqubo zentlawulo kunye MasterCard.
Kulula ngokwaneleyo ukufumana malunga ikhadi debit "Tinkoff" ncomo ukuba ashiye okhule malunga ebhankini. Ngokomzekelo, abaninzi linombulelo ibhanki ngenxa yomsebenzi yokusebenza, leyo ayifani nkqu iibhanki likhulu usebenza kummandla Russian Federation, kwakunye zokurhoxisa imali ngaphandle iikhomishoni zonke iibhanki zeli hlabathi.
Sinqwenela ukutsalela iziphetho
Njengoko kubonakala, debit card, "Tinkoff", apho ncomo sele kuchaziwe ngentla, luyafikeleleka kwaye musa ukuya ngaphaya iimeko Russian market zebhanki. Ngokwahlukileyo koko, kwezinye iindawo kukho iimeko ezingcono ngaphezu kwezinye iibhanki kakuhle eyaziwayo nezaziwayo.
Eyona iphambili kukuba sokubhalisa ikhadi elitsha okanye ukuvula i-akhawunti yekhadi akukho mfuneko yokuba ushiye ikhaya lakho. Omnye ufuna ukufikelela kuphela kwi Internet, ixesha elithile free kunye nomnqweno ukuba umthengi ngaseludinini, leyo ifumana ibhaso lonyaka njengoko bank asekiweyo kwi-network.
Ubukho uluhlu elikhulu kakhulu debit card ikuvumela ukuba zifake nokubongoza iinkonzo zabo abaphulaphuli ebanzi zabantu. Nkqu inkampani abanini imoto Mitsubishi le imbiza akayi iGavdos.
Kakade ke, kukho abo bantu abaye imfuneko langoku ukuba ukuxoxa nothile live. Ngelishwa, kungenzeka onjalo "Tinkoff Bank" inikeza abathengi yayo.
Similar articles
Trending Now