Izimali, Amabhange
Debit amakhadi "Tinkoff": ukubuyekezwa, izimo, ukubhaliswa, cash Ukuzihoxisa
Namuhla, kunenqwaba amabhange kokubili eRussia futhi emhlabeni wonke. Futhi akubona bonke uyazi indlela ukukhetha okungcono nge izimo ezifanele ngaphezulu.
Kuphela ukuthola umlando, idumela, izinsizakalo kanye nemikhiqizo yasebhange, ungakwazi ahlulele isikhungo sezezimali uqobo. Lesi sihloko kuzoxoxwa mayelana nenkampani okuhlangene isitokwe "Tinkoff Bank", noma ngaphezulu ngokunembile ukuthi cishe ingxenye eyodwa nezindawo zakhe umsebenzi - amakhadi abadonsi. Ngaphezu kwalokho, lesi sihloko sikhombisa indlela ukuwasebenzisa, futhi kanjani ukuvula noma ukuvala i-akhawunti yekhadi.
isizukulwane esisha yasebhange
Kodwa okokuqala, ukubheka ebhange uqobo.
Bank "Tinkoff" iyona ezifana nesikhungo sokuqala zezimali, okuyinto ngokuphelele amagatsha inkonzo. Zonke ukuxhumana kuyinto nge-Internet.
Lokhu kuvumela ukuba sikhonze ezingaphezu kuka-4 million namakhasimende phakathi Russian ubusuku nemini. Yileyo client ukuthengiselana akudingeki isikhathi sokungabikho emsebenzini noma esikoleni ngiye nomele ibhange.
Vele uye ku-inthanethi kwi-website ye ebhange nganoma isiphi isikhathi sosuku noma ebusuku. Ngenxa yalokhu, le isikhungo sezezimali is Positioning ngokwaso njengoba yasebhange ngaphandle emigqeni.
Ikhadi ukwesekwa usebenza ubusuku nemini, kukhona nethuba yokufeza zokukhokhelwa intanethi futhi ucingo. I-Debit card "Tinkoff", ukubuyekezwa zazo uzothola kulesi sihloko ingasetshenziswa ezikhumulweni emhlabeni wonke, okuyinto ekahle kakhulu ukuhamba kaningi phesheya.
Ngaphezu kwalokho, iBhange inikeza ngamasevisi abolekise kanye womshuwalense. Lokhu kwanele ukunikeza ezahlukene ngokwanele ebanzi amasevisi, esebenza zenethiwekhi.
Ukwahlulela ukubuyekezwa, kuze kube manje, lasebhange, ikhadi lesikweletu, "Tinkoff Bank", kanye nezinsiza zalo zokuvikela kuzinga ngokwanele okusezingeni eliphezulu.
A ezahlukene debit card
Ngakho, uqhubeke ngqo langempela idiphozi amakhadi, ezihlinzekwa yibhange.
Debit amakhadi kungenziwa ikhishwe ngokusebenzisa Internet emva kwamaminithi ambalwa, kukhona eziyisikhombisa izinhlobo:
Tinkoff Black.
OneTwoTrip.
AliExpress.
Lamoda.
eBay.
"I-Messenger Club".
Mitsubishi.
Ngokulandelayo, simazi kangcono izimo ngamunye wabo.
Tinkoff Black
"Tinkoff Black" - ikhadi lemali, esiklanyelwe ngokuyinhloko kubantu abazazisayo isikhathi sabo futhi uncamela imali yabo.
inkonzo ikhadi kuyoba mahhala, kuncike ukutholakala akhawunti ikhadi amanani kusuka 30 ayizinkulungwane. p.: yinkulungwane. USD. 1 noma izinkulungwane. Euro. Kwezinye izimo, ngenxa ikhadi kufanele ukhokhe nyangazonke ruble 99, $ 3 noma 3-euro ngokulandelana.
amacala ibhange nyanga zonke ngokwemali esele ku-akhawunti yekhadi 8% ngonyaka, uma kuyintando ezingeni ruble kuze kufinyelele ayizinkulungwane 500, futhi okungenhla - .. 4%. Yiqiniso, ikhadi lingavuleka lwemali, kodwa kulokhu, ibhalansi lizokhokhiswa% 0.5 kuphela ngonyaka.
Izibuyekezo ukhulume ezicini ezinhle ukuthi babe lawo makhadi lasebhange ngesithakazelo esele - ukuhoxa akhawunti yokonga zingenziwa nganoma isiphi isikhathi ngaphandle ukungasathandi.
Kuningi noma kancane? Uma uvula ikhadi in ruble futhi bachitha ukuthengiselana nyangazonke imali ayizinkulungwane 10. Ruble, futhi ibuye ibe ibhalansi ye-akhawunti in inani ayizinkulungwane 40. Ruble, ukuthi isikhathi esingaphezu konyaka, ungenzi lutho, uhola ruble 5480.
Akukona konke uzilungiselele amakhasimende abo, "Tinkoff Bank". Debit card onjengalona, okungokoqobo, yena uhola imali. Kungenzeka kanjani lokhu? Kusukela ukuthenga ngamunye, ngaphezu, idiphozi kanye izinkokhelo ngokusebenzisa intanethi, uyabuya ikhadi 1% izimali wachitha.
Qhubekela phambili. Kusukela namuhla, ungakwazi ukubuyela ku-5% we izinkokhelo ebhayisikobho, Pharmacy kanye nokukhokhwa omgwaqo. Lezi zimo liyokuma kuze December walowo nyaka. Ngoba wena "okhokhela" ibhange - ungagcina ithrekhi kusayithi.
Futhi uma ubhalisa nezaphulelo partner ebhange, khona-ke izobuyiselwa ikhadi-30% ku-ukuthenga izimpahla ezithile ezitolo zabo.
Kungakhathaliseki ukuthi iyiphi i-ATM
Gcina isikhathi sakho uvumela "Tinkoff Bank". Debit Card "Black" ngeke ukuchitha imizuzu eziyigugu ukuthola ATM kwesokudla. Ungathatha e ngokuphelele ikhomishini-free, uma inani kuthengiselana kusukela 3000 th. Ruble. noma 100 ngesikhathi. e.
Ngaphezu kwalokho, ikhadi ashona futhi akukho nobunzima. Odlulisiwe kuso imali kusuka kwenye ikhadi kwanoma iyiphi ebhange nge-Internet mahhala, "Tinkoff Bank" akusho izimali kulolu.
Iphinde isekela yokukhokha ubuchwepheshe yokuxhumana Visa payWave futhi Mastercard PayPass, okuyinto ikuvumela ukuba wenze ukuthenga ngokumane ngokuletha ukuba ukuphela debit card yakho.
Kalula ukwenza ibhajethi siqu
Kuthiwa ukuze wonge imali, kufanele uqale ukuqala isabelomali, okuyinto izoveza notshwala sakho sezimali. Debit amakhadi ngesithakazelo esele "Black" kuhlanganisa inketho ukuqhuba ngokuzenzakalela iphephabhuku ekhethekile.
Zonke ukuthenga kwakho kanye nezindleko izonikezwa ku isigaba ikhompyutha inikezwe. Futhi imali ingafakwa ingxenye umkhawulo othile ngamunye.
Uma ungafuni ukuchitha imali ikhadi lemali "Tinkoff Black", bese wenza noma iyiphi idiphozi. Ngoba zonke izimali, leli khadi ikhishwa futhi serviced mahhala.
Banking Web ezingeni eliphezulu
Njengoba "Tinkoff Bank" kuyinto isikhungo sezezimali ukuthi "kuyinto" ukuphela kwenkolo ekhona emhlabeni virtual, izimfuneko intanethi okusezingeni eliphezulu ikakhulukazi. Phela, iklayenti ngeke bakwazi ukuxhumana noMnyango yokuhlala nge izinkokhelo zabo, ukudluliselwa kanye nezindaba.
Abasebenzi yasebhange aqondakale ngokugcwele futhi wadala isevisi elula ngempela, nahlulele by ukubuyekezwa. Amakhasimende uqinisekise ukuthi nalo ungakwazi ukufeza noma iyiphi ukuthengiselana ngamakhadi yayo, imibiko, ukungena kwemali, hhayi kuphela kwi-computer, kodwa futhi efonini yakho yeselula. Okungukuthi, ibhange uhlale ususondele.
Yini okudingeka ukuvula amakhadi?
Vele uye website, ugcwalise ifomu bese ulandela izinyathelo kumtfombolusito. Cishe ukugcwalisa lonke ulwazi kuthatha imizuzu 5.
Ikhadi elisha izofika kuwe ezinsukwini ezingu-2, ngokuvumelana abasebenzi yenkampani.
OneTwoTrip
Uma uthanda ukuhamba eziningi futhi usebenzisa noma ufuna ukusebenzisa amasevisi isevisi OneTwoTrip, khona-ke singaba usizo kabi nje ikhadi enjalo lasebhange "Tinkoff Bank". Imibandela anikelwe ngumnikazi wayo, kubhekwe ngezansi.
. Uma ikhadi kuyoba isamba ruble ezingaphezu kuka-30 eziyinkulungwane, isevisi nyangazonke kuyoba 0 p, kwezinye izimo -. Ruble 99. ngenyanga.
Inzuzo main iyona okukhethekile Uhlelo ibhonasi elikuvumela ukuba ugcine okungagcini nje ngokuchitha imali ekuhambeni, kodwa futhi uthole ukuphumula okuhle kokubili phesheya futhi ngaphakathi Russian Federation. Kwenzeka kanjani lokhu?
Ngayinye ukuthenga lutho nale amacala lasebhange 1% ibhonasi. Ngaphezu kwalokho, kunezinye amabhonasi ukusetshenziswa kwekhadi.
Uma wenze inkokhelo amasevisi ehhotela ikhadi noma ithikithi, uthola amabhonasi ezilandelayo:
Amahhotela - 7%, amathikithi air - 3% uma ukukhokha ngokusebenzisa isicelo Smartphones OneTwoTrip.
Amahhotela - 5%, amathikithi lendiza - 2%, ngokusebenzisa umthombo OneTwoTrip web-based.
Ngakho, kungenzeka ukuhamba ngesikhathi esifanayo bese uhola amabhonasi okuyinto, waphinda, ukuchitha phezu izaphulelo ezintsha.
Ngaphezu kwalokho, njengoba e "Tinkoff Black" khadi imali enqwabelene 8%, uma esele kuyinto ruble esingaphansi 500 inkulungwane, 4% kunikeziwe amanani okwedlula ama-ruble ayizigidi 500 ... Ukuzihoxisa Mahhala okweqa ruble ayizigidi ezingu 3 kuzokuvumela imali inzuzo noma yikuphi emhlabeni ngaphandle overpayments ezingadingekile.
Awazi kanjani ubuyise ikhadi lemali "Tinkoff Bank" yalolu hlobo noma omunye? Ungathola izinkulungwane amaphuzu kuwebhusayithi ebhange usebenzisa ibalazwe ezibukwayo, okuyinto ngokushesha futhi mahhala uzokwazi gcwalisa akhawunti ikhadi futhi, ngokufanelekile, ikhadi uqobo.
OneTwoTrip njengalena langaphambilini, futhi iqiniso ukuthi ine ubuchwepheshe izinkokhelo osheshayo by Visa and Mastercard, kanye yasebhange yesimanje futhi elula inthanethi.
AliExpress
Leli khadi lasebhange "Tinkoff", imibandela kanye isithakazelo lapho kuchaziwe ngezansi, isithelo nokubambisana phakathi Bank futhi edumile yezitolo ndawo. AliExpress uye kahle ngokwaso njengoba esitolo enkulu virtual eRussia. Akumangazi ukuthi ibhange wazikhethela ngokubambisana.
Uma une imephu yakho siqu AliExpress kanye nokuqalisa usebenzisa zokuthenga, uyobuyela akhawunti ye-1% nemali oyisebenzisile. Uma ngithenga kusayithi ngenhla esitolo inthanethi ekhadini izobuyiselwa kakade 2%. Ukwahlulela ukubuyekezwa, lena abanikazi ikhadi mnandi kakhulu.
"Tinkoff Bank" wakhala ibalazwe AliExpress isikolo ezuziwe, eliku-intanethi, futhi izimo ezifanayo yokukhokha, njengoba owedlule amakhadi amabili.
Lamoda
Uthanda ukuba imfashini kanye kahle abagqoke? "Tinkoff Bank" linikeza oyithola ke inzuzo esiphezulu. Vele uye ku-website ye-isikhungo sezezimali nendawo Lamoda khadi, siya ukufinyelela inqwaba amabhonasi ebhange umlingani ofanayo, ingenye ezitolo yimpumelelo kakhulu kwabesilisa nabesifazane.
Hlobo luni amabhonasi esikhuluma ngayo?
Ngoba noma yisiphi ukuthenga kule esitolo inthanethi usebenzisa ibhange Ukudluliselwa 2% yenani sezinto. Futhi uma ufuna ukuthola inzuzo enkulu-ke iqhaza nezaphulelo esitolo sezingubo. Kulokhu, ikhadi lakho lokuthenga ngesikweletu lizokhokhiswa kakhulu ngendlela 30% amabhonasi.
Ngisho noma ungenayo ukuthenga ezinjalo njalo, uzothola ibhonasi 1% kuzo zonke ukuthengiselana ikhadi ezihlobene inkokhelo yezimpahla noma amasevisi ahlukahlukene.
Leli khadi lasebhange "Tinkoff", okuyinto singenziwa cash Ukuzihoxisa ku ngaphandle ikhomishini ngesikhathi inani ukuthengiselana ayizinkulungwane 3. P. ngasiphi ATM zomhlaba, it has nezinye izimo njengoba ikhadi odlule.
eBay
Njengoba uke waphawula kakade, "Tinkoff Bank" ukhetha ukusebenza nabadlali ezinkulu emkhakheni e-commerce. Futhi ngaphandle okungaka umumele, njengoba eBay, wayengeke akwenze.
lasebhange Special "Tinkoff", izimo zazo ngezansi, yenzelwe ngqo kulabo abasebenza ukuthenga kule esitolo online. ikhadi eBay sika "Tinkoff Bank" uyophinde imali imali ngokuthenga ku-intanethi. Izimo ziyefana ekhadini wangaphambilini, kodwa kukho konke ukuthenga uzothola amaphuzu:
2% nganoma yisiphi ukuthenga ku-intanethi (esitolo eBay kuphela);
30% ngokubamba iqhaza nezaphulelo abalingani ibhange;
1% noma iyiphi enye ukuthenga ekhadini.
Zonke amabhonasi uthola, kungenziwa yaphenduka imali yangempela ngesilinganiso 1 iphuzu = 1 ruble futhi wenze ukuthenga esitolo eBay. Ukuze wenze lokhu, kudingeka ukubutha okungenani 2,000 amaphuzu anjalo.
Vula ikhadi lemali "Tinkoff Bank" eBay kungaba ngendlela efanayo neminye - eyanele yokukhokhela imizuzu 5. isikhathi sabo mahhala futhi uye kuwebhusayithi yebhange.
Imibandela asele kumephu zifana amanye amakhadi debit.
"I-Messenger Club"
Phesheya Adalberto isikhathi eside uhlelo lapho ezihlukahlukene ezitolo nezinhlangano bamunye ibe amakilabhu olulodwa ukwandisa izimali zabo kanye isithakazelo ikhasimende.
Asinakusho ukuthi isimiso esinjalo livela kuphela eRussia, kodwa ingakamiswa asethuthukile.
Bank "Tinkoff" nesithi "+ Messenger Club" sipho ukukhipha ikhadi elifanele, okuyokwenza ukuba wenze ukuthenga inzuzo futhi wamukele amabhonasi ezitolo - Uhlelo Partners.
Uma uthenge izimpahla at umlingani izitolo abanikazi ikhadi bantu bangathola 14% ibhonasi ngesimo izinzuzo okuthiwa. Noma yimuphi omunye ukuthenga uyonika 1% plus.
Njengoba sazi ukuthi 1 plus 1 = Rouble izaphulelo, baphathe leli khadi kuba inzuzo ngempela. Thola ukuthi izitolo ozakwethu kulolu hlelo, sicela uvakashele "Tinkoff Bank" futhi "I-Messenger Club".
Kanye nezinye ikhadi "Tinkoff Bank", esele ku-akhawunti, uzothola 8% no-4%, kuye ibhalansi yemali yakhe. Modern intanethi, futhi ukuhoxa khulula ngasiphi ATM zomhlaba nazo manje.
Mitsubishi
Uma ungumnikazi imoto kusukela brand ne Mitsubishi elidume umhlaba wonke, khona-ke wena lucky. Wadala debit card "Tinkoff", imibandela kanye isithakazelo lapho ufunde ku, abanikazi izimoto Japanese.
Ngamunye kukhokhelwe izimpahla noma amasevisi kaphethiloli, imoto izona futhi kuletha umnikazi ikhadi 2% semali ngesimo amabhonasi imisebenzi. Nganoma yiliphi elinye ukuthenga icala 1% ibhonasi.
Zonke amabhonasi zanqwabelana kungenziwa umklomelo ngesilinganiso 1 ibhonasi = 1 ruble kunoma iyiphi ukuthenga noma isevisi ezindaweni inkonzo Mitsubishi. Inani ubuncane yokukhokha akufanele kube ruble esingaphansi 500.
On "Tinkoff Bank" website yakhe uphakamisa ekubalweni inani amabhonasi, okuyinto ingatholakala usebenzisa le mephu. Ngokugcwalisa idatha kuyabathelela yi elandelayo: .... Ukuthenga imikhiqizo ibalazwe nyanga zonke ruble ayizigidi 20, kanye usebenzisa amasevisi amagalaji nemoto izona in inani ruble ayizigidi 15, ungathola 4800 amabhonasi. Kuthatha cishe inguna elinikeziwe esikhathini ezifana esifushane.
I nezinye izimo iyefana debit card odlule.
Imigomo ukuvala debit card
Ngokulandelayo, sitshelwa ngo ukuphendula umbuzo kanjani ukuvala ikhadi lasebhange "Tinkoff Bank" kwanoma yiluphi uhlobo.
Yenza kube lula ngokwanele - nje uxhumane Customer Service Centre kanye nokubika inhloso yayo ukuvala ikhadi. Lokhu kungenziwa noma nge-Internet noma ngocingo ngokushayela inombolo ohlwini ekhadini.
amakhasimende ebhange sika bathi akukho nobunzima ukuvala lasebhange "Tinkoff" ikhadi nganoma yisiphi isikhathi.
Izibuyekezo amakhadi asebhange
Ngokwezazi ezithile "isilinganiso kazwelonke we" uzoba kwenzeka udinga, kumele kuphetfwe mayelana nokuhlola omuhle amakhadi asebhange futhi bebonke. Isilinganiselwa esijwayelekile - indawo 4th, okuyinto yalokho okuhle, banikezwe nokuncintisana okuthe xaxa.
Kukhona izimangalo ebhange futhi bakhononda ngokuthi ukuthengiselana ikhadi abazenzi ngokushesha, kodwa zingakapheli izinsuku ezingu-1-3. Ngokwesibonelo, uma ukhokhe nge ikhadi phesheya, ungakwazi ukuhoxisa okulingana in ruble akulona usuku amasevisi yokukhokha, futhi ngesikhathi kamuva. Ngezinye izikhathi lokhu kuphumela izindleko ezengeziwe.
Kodwa abasebenzi asebhange usesimweni esinjalo hhayi kungasiza ke, ngoba ukufaka enjalo wabizela hhayi kodwa bahlanganiswé ukukhokhelwa izinhlelo Visa kanye MasterCard.
Kulula ngokwanele ukuthola mayelana ikhadi lemali "Tinkoff" Izibuyekezo ukuthi ikuthinte omuhle mayelana ebhange. Ngokwesibonelo, abaningi besijabulela ebhange umsebenzi wokusebenza, okungase ayifani ngisho amabhange ngobukhulu ukuthi usebenze ensimini ka WaseRussia, kanye ukhipha imali ngaphandle ikhomishini kuwo wonke amabhange zomhlaba.
Sahlulela
Njengoba singabona, ikhadi lasebhange, "Tinkoff", okuyinto Izibuyekezo ziye achazwe ngenhla, kukhona ezingabizi futhi abeqeli ngalé izimo yasebhange emakethe Russian. Kunalokho, namanye amaphuzu kukhona izimo ungcono ngisho nangaphezu kwanoma kwezinye amabhange kahle aziwayo futhi ethandwa.
Isici esiyinhloko siwukuthi sokubhalisa ikhadi elisha noma ukuvula i-akhawunti yekhadi akudingeki khona ukushiya umuzi wakho siqu. Omunye udinga ukufinyelela kuphela kwi-Inthanethi, isikhathi esithile mahhala futhi isifiso sokuba zibe ikhasimende ye ebhange, okuyinto uthola indondo yonyaka njengoba ibhange engcono elisungulwe inethiwekhi.
Ukuba khona uhla enkulu kakhulu lasebhange ikuvumela ukuba abambe futhi kusishukumisele amasevisi abo izilaleli ebanzi zabantu. Ngisho inkampani abanikazi imoto Mitsubishi lokhu imbiza is hhayi bayishaya indiva.
Yiqiniso, zikhona labo bantu banesidingo samanje ukuxoxa nothile bukhoma. Ngeshwa, kwakungenzeka lokhu "Tinkoff Bank" linikeza amakhasimende ayo hhayi.
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