Ikhadi lesikweletu "I-Tinkoff Black": ukubuyekezwa kwabanikazi. Izimo, amanani

Debit card "Tinkoff Black" wathola Izibuyekezo engcono: Abasebenzisi bathi ifakwe yesimanje yasebhange ubuchwepheshe futhi kulula ukuyisebenzisa. "Tinkoff" linikeza amakhasimende service omuhle futhi iqhaza Ibhonasi izinhlelo. Ukusebenzisa ikhadi lasebhange TCS hhayi kuphela nenzuzo ukuchitha imali, kodwa futhi buthelela kubo. Kulesi sihloko sibheka izimo irisidi yayo, futhi iphasela izinkonzo ezenziwa ebhange ukuze "Tinkoff Black". impendulo kwamakhasimende mayelana ibalazwe uyomenzela umsebenzisi bezikhali ukuqonda wangempela, bazenzela isinqumo esifanele.

Mayelana Tinkoff Bank

"Tinkoff Bank" - Ibhange isikhungo sezezimali, a non-standard ukuze uhlobo Russian kwamakhasimende. Iqiniso liwukuthi ezweni lonke ngeke kube khona ukwehlukana Tinkoff. ATM onophawu ayatholakala. Isebenza kanjani futhi yiziphi izinzuzo kubasebenzisi?

"Tinkoff" sasisekelwe uhlobo ebhange Wells Fargo, owasebenzisa akude imodeli kwamakhasimende. Businessman Oleg Tinkoff wasikisela ukuthi leli indlela yokusebenza ezingase zithathwe eRussia. "Tinkoff Bank" yasungulwa ngenxa yalokho. Imikhiqizo emisha, amazinga service ngcono Kwamiswa iminyaka 10.

"Tinkoff" nezindaba debit nama-credit loans okungaphephile amakhadi, unikeza uhla enkulu co-branded "plastic", it ikuvumela ukwenza izinkokhelo ku-intanethi noma ngisho ukukhipha mortgage phezu kwezimo ezimvunayo iningi kwamanye amabhange. Nge imikhiqizo Tinkoff, umsebenzisi ungagcina on ukuthenga at isilwane ezitolo ( "Aliekspress", "Google Play", "Lamoda", "Okusajingijolo» eBay, One Two Trip) futhi bathenge amathikithi ngamanani ukuncintisana.

nemibandela yokuthola

Map «Tinkoff Black", ukubuyekezwa abakhulumayo esivuna yokufuna yayo, ekhishwe kanye izinhlelo lokukhokha ezimbili: MasterCard Umhlaba noma ye-Visa Platinum. ngaleyo ndlela-Akhawunti ivula ruble, aseMelika noma euro. Ikhadi sivumelekile iminyaka engu-nantathu, ngemva kwalokho ungakwazi ukuyivala noma uqhubeke ukubambisana ebhange.

Okuqukethwe kungaba, ngaphandle kokushiya ekhaya. Lokhu kuzodinga khona-inthanethi futhi imizuzu embalwa yesikhathi khulula. Ngesikhathi besanda kuqala luye lwembula inzuzo: asikho isidingo ukuya egatsheni ebhange bese ulinda isikhathi sako. Yezimfuneko iklayenti ezingaba - yobudala omdala kuphela futhi passport.

Ukuze uthole ikhadi, "Tinkoff Black", kuyinto omuhle kakhulu Izibuyekezo zazo, kudingeka ulandele izinyathelo ezithile ezilula:

1. Yiya website esemthethweni www.tinkoff.ru ebhange.
2. Gcwalisa ifomu ukuthola ikhadi lemali "Tinkoff Black".
3. Linda umsebenzi ucingo yasebhange abayoba ukucacisa ukwethembeka idatha futhi yazise isikhathi kokuthola ikhadi. Wahanjiswa ekhelini elicacisiwe (ihhovisi, ikhaya).

Ngemva kwezinsuku ezingu-1-2 osanda kufika Tinkoff Black kuyoba ezandleni umsebenzisi, ngemva kwalokho-ke kuyodingeka isebenze ngokuvakashela iwebhusayithi esemthethweni noma ngokushayela le yamahhala inombolo 8800555 10 10. Iklayenti owazi PIN-ikhodi Ngosizo le nqubo, okuyinto edingekayo ukuze afeze lokhu kuthenga .

Izindleko ikhadi

Omunye wemibuzo main mayelana nomkhiqizo "Black Tinkoff", ukubuyekezwa umsebenzisi zazo ukuheha ezingasho amakhasimende amasha, amanani ayo. Kungakanani kuzobiza yokubhalisa kanye nokugcinwa yaminyaka yonke amakhadi? Njalo ngenyanga Imali Bank Tinkoff Black Ikhadi ruble 99. Inani ngonyaka 1188 kuza ruble.

Irisidi futhi ukulethwa ekhelini elicacisiwe mahhala. Ngaphezu kwalokho, ibhange inikeza ikhono ukukhipha kuze kube amakhadi ezengeziwe 5 sokubhaliswa okuyinto akudingeki akhokhe. amasevisi Iningi "Tinkoff" futhi kwenziwe ngaphandle ezengeziwe imali iminikelo. Kungani kufanele ukhokhe? ikhasimende kusebenze isevisi «SMS-Bank", lapho umnikazi khadi aziswe yonke imisebenzi kuphelile, uma uthanda. Le sevisi izobiza 39 k., Uma i-akhawunti yilona ruble. Ikhadi lwemali kubiza € 1 noma $ 1. Isamba lizokhokhiswa njalo ngenyanga.

amasevisi amahhala

Map «Tinkoff Black" uthola Izibuyekezo okuhle ngenxa izimo ezikahle yesevisi okusezingeni eliphezulu isitoreji ukutholakala kanye nokusetshenziswa kwezimali. Ngokwesibonelo, iCommission for ukusetshenziswa ne-akhawunti yekhadi ungenza 99 k., Futhi ikani kanye 0 k. Ngokweyame iklayenti ezithile elahla ikhadi izimo khulula. Ukuze wenze lokhu, kumele idiphozi inani 30 000 deda. (€ 1,000, $ 1,000), noma udumo imali efanayo.

Ngemva kokubhaliswa umsebenzisi ngezinsiza ezilandelayo khulula zinikezwa ngokuzenzakalela:

• "I-Internet-yasebhange" - ikuvumela ukukhokhela izinsiza nge-Inthanethi, usethe avtoplatezh, bheka isitatimende se akhawunti;
• "Yasebhange Hambayo" - uhlelo lokusebenza smartphone, isekela cishe zonke izingxenyekazi;
• unolwazi nge-SMS-ukusatshalaliswa at "Tinkoff Black" isinyathelo.

impendulo kwamakhasimende mayelana ebhange lasebhange Tinkoff ukuqinisekisa izinga eliphezulu lokutholakala kwe-futhi ukutholakala ezihlukahlukene services elula futhi khulula ezenza ukusetshenziswa mnandi futhi kujabulise ngokwengeziwe.

kusho lokulawula

Umsebenzisi kubalulekile ukwazi ukuthi yimalini kusala akhawunti lapho imali. Ngaphezu kwalokho, ukuthandwa okwandayo ukukhokhelwa Umbuso izikweletu, zeselula ikheli le-inthanethi usebenzisa i-ibhange ku-intanethi. Lapho senza amakhasimende Tinkoff Black Ikhadi bamenyiwe mahhala ukusebenzisa isevisi "Inthanethi Banking" futhi "Mobile Banking".

Ukuze kusebenze isevisi intanethi, kumele uya indawo esemthethweni futhi uye kuthebhu "Bank Internet". Ikhasi kuvula elinefomu ukugcwalisa, lapho ufuna ukufaka inombolo ikhadi. Ngemva i-SMS isiqinisekiso umsebenzisi efake nge login kanye nephasiwedi ukufinyelela Amalungu Area. Manje ikhasimende yasebhange ongenza imisebenzi eminingi ngaphandle kokushiya ekhaya. Phakathi kwabo:

• inkokhelo ezenzekelayo ku imininingwane eshiwo kanye nenani;
• ukudluliselwa kwamanye ama-akhawunti;
• ithuba lokufunda nenhlawulo etholakalayo uzikhokhele;
• Ukubika kumiswa esetshenziswa futhi izimali ezisele;
• ukubuyiswa kwemali izikweleti izinsiza Umbuso indawo, ukubolekisa nokunye.

Ayikho uhlelo kancane kusebenziseka kalula for the ukulawula imali kusengozini iyona "Mobile Banking". Kuyinto isicelo ukuthi isebenza kunjalo nganoma ikuphi smartphone noma yesistimu yokusebenza ithebhulethi "Android", "Agios", "windose", "Blackberry". Igama lomsebenzisi nephasiwedi ziyefana idatha kuboniswe "Bank Internet".

Map «Tinkoff Black": imigomo amaphesenti, ukubuyekezwa

abasebenzisi Ikusasa ekuklanyweni izinkokhelo "plastic" unesithakazelo kunoma yiliphi ulwazi mayelana izimali esizayo kanye ezindleko wokugcinwa akhawunti asebhange. Yiziphi izindleko nezinzuzo amakhasimende alindele kumephu Tinkoff Black? Cabangela izindinganiso ethebuleni:

Imigomo yokusetshenziswa "Tinkoff Black"

* Isikhathi ukubala ihlala 1 inyanga futhi iqala kusukela ngosuku kusebenze ikhadi.

Inzalo kunezelwa eminye usuku nosuku, futhi imali ikhokhelwa kanye ngenyanga kumephu "Tinkoff Black". Izibuyekezo imali amakhasimende ukunikeza omuhle: ibhange omunye amazinga aphakeme amaholo.

cash ukuhoxiswa

Mhlawumbe wonke umuntu has ikhadi okungenani oyedwa lokukhokha, ezaziwayo wokusetshenziswa kwemali yensimbi. zikhathi eziyigugu uhambe beyofuna ATM "bomdabu", futhi ngezinye izikhathi amahora. Amakhasimende "Tinkoff" inkinga akazi. Naphezu kweqiniso lokuthi akekho Tinkoff ATM e isimiso, umnikazi ikhadi kulula imali kunoma iyiphi enye idivayisi, ngaphandle kokunqikaza, ubhekisela abanye enhlanganweni. Futhi zonke ngoba amakhasimende mehluko lapho imali izimali: Commission, noma cha icala nhlobo, noma ngokufanayo kuyo yonke indawo.

Lapho kukhishwa lemali kusuka 3000 kuya ku-150 000 deda. Tinkoff Black umsebenzisi engakhokhi lutho. Uma ufuna ukuthola kusuka i-ATM okungenani 3 million, kuyodingeka bakhokhe i eyengeziwe ruble 90. Endabeni amanani amakhulu (kusuka izinkulungwane 150. P.) Ikhomishini kwandisa 2%, futhi uzohlala njalo kuze kube sekupheleni kwesikhathi sokukhokha.

ashona amakhadi

Ziningi izindlela likhokhele izimali ku-akhawunti. Ukuze akhokhe izimali ezengeziwe, ungasebenzisa ngezindlela ezilandelayo:

• ukudlulisa imali kunoma iyiphi enye ikhadi elikhiphe yasebhange;
• Tinkoff ukusebenzisa abalingani, kuhlanganise zokuxhumana nokucwala "I-Messenger", "MTS", "Euroset", "Beeline";
• ngokusebenzisa inkokhelo "Kiwi" uhlelo "WebMoney";
• ukudlulisa kusuka kwenye i-akhawunti nge-EFT (noma ezinye credit nezinye izikhungo zezimali ukudluliselwa zangaphandle kusengozini "Tinkoff" ingashaja ikhomishana).

Ngezinye ukudluliswa kweemali kubalulekile ukukhumbula ukuthi lo msebenzi mahhala kuphela icala uma lemali top-up ingeqi ruble ayizigidi 300.. Kungenjalo uzoba ukukhokhela i eyengeziwe 2% kwi ngokweqile.

Okuningi mayelana Cashback uhlelo

Cashback kwenza ngisho ikhadi mnandi "Tinkoff Black». Izibuyekezo Customer kuvamile ukukhuluma ngezindawo ibhonasi nice ifomu lemali ebuyiselwa akhawunti emva kokuthenga. Ukulondoloza Kuhlale kumnandi, futhi Tinkoff ukukwenza akunzima kangako. Bank okhokhela cashback ku "Black" ikhadi inani:

• 1% - on wonke ukuthenga *;
• 5% - imikhiqizo izigaba ezikhethiwe ngayinye ikhasimende;
• kuze kufinyelele 30% - ukuthenga amasheya ekhethekile abalingani ebhange.

* Imali Emuva akuyona icala ukuhoxiswa kwezimali kanye nokuqaliswa Ukudluliselwa, services ukukhokhelwa noma imikhiqizo esigabeni "Izinkokhelo nokudluliswa", le replenishment zemali electronic, zokuxhumana, amasevisi ishayise namanye imisebenzi. Ukuze uthole uhlu oluphelele ekukhokheni kungaba kuwebhusayithi yebhange.

Cash Emuva ibalwa ekupheleni kwesikhathi sokukhokha. Landela inqubo kungaba esitatimendeni, okuyinto Ilungiselelwe iklayenti njalo ngenyanga. Ukuze inkathi umnikazi ikhadi emuva ruble 3000 ngamunye.

Mayelana Tinkoff Black Ezokuphepha

I izici ezibaluleke kakhulu ebhange kanye nemikhiqizo ezihlinzekwa kubo linokwethenjelwa, kusho ukugcina i-akhawunti. "Tinkoff Black" libhekisela amakhadi ephephe kunazo. Kuze kube yimanje, izinyathelo eziningana kwenziwe lokhu:

• chip, esivikela ikhophi ikhadi;
• imikhawulo ngentando yakho ngokukhipha imali nokuthenga nge-Internet;
• 3-D ubuchwepheshe ephephile evikelekile nakuyi-Internet;
• ikhono ukuvimbela pay online izimpahla nezinkonzo;
• ivimbela i-SMS-izaziso amaphasiwedi yesikhathi esisodwa;
• Ukudalwa-akhawunti ephephile, okuyinto senzelwe amathuluzi ukugcina.

Ngakho, zonke izindlela yokuvikela olunikezwa ikhadi "Tinkoff Black». Lobuya abasebenzisi ukuqinisekisa izinga eliphezulu ukuphepha kanye lula cash flow control.

Izinzuzo ikhadi

Kungakhathaliseki ezokhipha "Tinkoff Black" futhi yini izinzuzo ukuhlukanisa kusukela kweminye imikhiqizo yasebhange? Sibheka ohlangothini main omuhle kwemephu:

• lula ngokucubungula nokuthola - ngaphandle kokushiya ikhaya;
• nasezingeni eliphezulu of service nokuvikeleka;
• adambise okwesula iyiphi i-ATM ngaphandle ikhomishana;
• Amasevisi amahhala;
• uma uvula idiphozi - imali amaphesenti futhi isevisi khulula;
• ukusekela wireless lokukhokha uhlelo PayPass / PayWave;
• Cashback kuze ruble 3000 ngenyanga.

Ukuze Tinkoff Black abantu zikhona futhi Uhlelo yokudlulisela. Ukuze amaklayenti ngamunye omusha uncika Imali ruble 500.

izici ezingezinhle

Izibuyekezo kumephu "Tinkoff Black" ikakhulukazi okuhle, kodwa hhayi wonke umuntu efika esilindele. akhawunti ukuvulwa umgomo ebhange nhlobo ezahlukene, futhi izicelo iphakethe inkonzo kakhulu. Ngayiphi abanye abasebenzisi badumazeke Tinkoff Black? Isizathu esiyinhloko salokhu ukunganeliseki ikhadi ziyancipha ukuze:

• izimo ukuthola isinxephezelo isitoreji imithombo - ubani usebenzisa ikhadi kuphela imali eyisibambiso njengengxenye ngenkathi 8% kufanele wenze ukuthenga;
• Izindleko zemisebenzi (1,200 p ngonyaka.)
• eqolo inani eliphansi lokuhoxa ngaphandle ikhomishana;
• inombolo enkulu imigomo kanye nokudingekile, ezithinta inani ikhomishini nemivuzo.

Credit card "Tinkoff": zokubuyekeza komsebenzisi

Ikhredithi - ikakhulukazi umsebenzi ebhange Tinkoff. Thola ukubolekwa imali kahle kulula: ugcwalise ifomu inthanethi bese ulinda opharetha ucingo. Vumela ke cishe njalo, ibhange akesabi ukusebenza ukubolekisa okungaphephile. Kodwa lokhu incephezeliswa inani lenzalo, okuyinto empeleni ingaphezu 40%.

Umholi phakathi Ikhredithi ibhange - Tinkoff Platinum. impendulo kwamakhasimende ngakho engqubuzanayo. Ngakolunye uhlangothi, i-waphawula izinzuzo ezifana cashback (1%), izindleko ongaphakeme yesevisi yonyaka (590 k.), A isikhathi somusa (ezingu-55). Nokho, abantu abaningi bakhathazekile credit lula, unganelisekile high senzalo ka-30 kuya ku-45% ngonyaka. Mpango umbono, futhi ezihlukahlukene izimo kanye okuhlukile kubo ezithinta inani izinkokhelo ku loan.

Inketho ezithakazelisayo ukuze wonge imali futhi ukwandisa ikhadi lemali "Tinkoff Black". Ukubuyekeza, izimo ukuthola nokusetshenziswa kuye kwaxoxwa ngakho ezingxenyeni sihloko ngokugcwele. Umfundi kudingeka kuphela ukuqonda izimfuneko eyamukelekayo kanjani ebhange, futhi udinga ukuthi ikhadi sikhokhwe. Njenganoma iyiphi enye ebhange, "plastic", "Tinkoff Black" yadalwa ngenhloso letsite - ekuqongeleleni kanye azosebenzisa izimali. Kuphela ngaphansi kwalezi zimo ukuba abe nomusa ekhadini yomnikazi.