Sberbank ikhadi virtual: imvume

Kuzo zonke ezikhona njengamanje Usuku yasebhange imikhiqizo amakhadi ethandwa kakhulu. They cishe belingahlukile ukubukeka kwabo futhi ukusebenzisa izindlela. Kodwa namanje kukhona okuthiwa ikhadi virtual, okuyinto kufanele kuxoxiswane ngokwehlukile.

Yini ibalazwe futhi ziyini?

amakhadi ezikhethekile yokukhokha fast and ephephile ngokuthenga nge-Internet iyithuluzi eliwusizo ikhadi virtual. ngaleyo ndlela Sberbank nezinye amabhange enze kube nokwenzeka ukuba ukhokhele ukuhlala kwakho ehhotela, ukwenza zigqila ezitolo ezahlukene ku-intanethi, kanye amathikithi ukuthenga ngoba indiza noma isitimela. Ngaphezu kwalokho, idatha abonisa ayinayo kumephu yakhe.

Ngokuvamile, ikhadi virtual ayinayo naphakathi wenyama, okungukuthi, kunokuba senze ngendlela evamile ucezu unxande plastic iklayenti unikezwa kuphela imininingwane edingekayo yokukhokhela amasevisi nge-Internet. Lezi zihlanganisa kwesikhathi ukusebenza, inombolo yayo kanye ikhodi yokuphepha kwamadijithi ezintathu.

Indlela yokwenza ikhadi?

Ithola ikhadi okunjalo akusho nokukodwa izinqubo eziyinkimbinkimbi. Lokhu kungenziwa ngisho ngokusebenzisa i-Inthanethi, i-ATM, osheshayo lokukhokha esibulalayo noma ngocingo. Ngamunye indlela amabhange 'siqu sokubhalisa, ngakho kufanele kuqala ukucacisa lokho isetshenziswa abakhethiwe yakho. Iningi izikhungo zezimali, zikhona izindlela eziningana ukuze kokutholakala amakhadi afana.

Sberbank ikhadi virtual akuyona ekhishwe ngokwenyama, kodwa kukhona ezinye izikhungo zezimali ukuthi namanje ukukwenza. Kodwa lapha konke kancane ehlukile kunaleyo ikhadi evamile. Ikhasimende ezandleni zakho kunikezwa ucezu njalo plastic ngaphandle holograms, umugqa magnetic noma chip. Pin-ikhodi kulokhu beyoba bikho ukuhoxisa ukheshi kanye yokukhokhela ukuthenga kule ojwayelekile amakhadi afana bengayi esitolo. Ngaphambili ohlangothini has lonke ulwazi lokukhokha ezidingekayo: inombolo ikhadi, usuku lokuphelelwa yisikhathi, ikhodi yokuphepha, kanye negama umnikazi sika. Ukuze oda ikhadi ezinjalo, nje ushayele ocingweni, kodwa irisidi Kuzodingeka ukuba uxhumane ebhange. Khona-ke uzonikwa ibalazwe virtual Savings Bank. Ukubhalisa kuthatha imizuzu embalwa nje.

Abanye ababolekisi ngisho ukuvula i-akhawunti ehlukile ikhadi virtual, eminye idinga i-akhawunti ekhona noma ikhadi elivumelekile. Futhi ezinye amabhange ikhadi ezifana luyatholakala njengesilwane esengeziwe ekhona kakade.

Kuphephile ukusebenzisa ikhadi virtual?

Inzuzo enkulu okuyinto ibalazwe virtual Savings Bank nezinye amabhange izinkokhelo, ephephile ukuziphatha izibalo ku-intanethi. Lonke iphuzu ukuthi kungenziwa amisiwe for inkokhelo ethile, futhi ngisho noma kubaduni ukufinyelela kuso, ngeke ukwazi ukuyisebenzisa.

Uma ikhasimende ufuna ukuba sigcine isizumbulu, iningi amabhange ikuvumela ukuba ubeke umkhawulo othile, ngenhla okuyinto akunakwenzeka ukuchitha. Ezinye izikhungo zezimali ukusetha umkhawulo ku ukuphuma nokungena kwezimali enyangeni edlule iyodwa.

Ezinye amabhange nabo banikezwa imvume ukukhiya futhi uvule ikhadi njengoba kudingekile, kuyilapho abanye wakuvumela lokuvala.

Ngingayithola kanjani ukugcwala ikhadi virtual?

Ngenxa uhlelo yasebhange yesimanje ukwenza ukudluliswa kweemali kusukela ku-akhawunti yakho ku-intanethi noma nje kumenza imali akuyona inkinga. Lokhu kungenziwa ngokusebenzisa i-ATM, wesevisi ye-inthanethi ye-yasebhange, ehhovisi ibhokisi, nge-SMS isaziso, nokunye.

Ngayiphi lwemali akhawunti ivulekile?

Ngokuvamile, ibhange ngeke ukhokhiswe imali ukuze ukhokhe nge-Internet kumephu ebonakalayo. Uma kuzoba, e esincane. ukunakekela okukhethekile inikezwe imisebenzi enjalo, lapho lwemali ye-akhawunti kanye nokuthenga azifani. Ezimweni ezinjalo, ibhange lizokhokhiswa ukuguqulwa. Ngenxa yalesi sizathu, iningi abasebenzisi abakhuthalele uthenga into ku-intanethi, inqubo amakhadi amaningi zezimali ezahlukene.

Ukusebenzisa ikhadi virtual nge-Internet

Sberbank kanye nokusebenzisa kwayo kuyi-Internet ikhadi elibonakalayo efanele kakhulu namuhla. Njengoba izibalo wokuhlanganisa izindlela zokukhokhelana, namuhla kukhona ukwanda komthwalo yokuthengisa nge-intanethi. ezintathu nje edlule, izwe lethu isibe omunye wabaholi ezinhlanu shopping virtual. Izitolo eziku-intanethi anikele ezihlukahlukene ongakhetha for abathengi ukuthenga. Amabhange nawo kuthiwa, ngokulandelana, wenza ekwakhiweni kwamathuluzi amasha. Omunye wabo ibalazwe virtual Savings Bank.

Imininingwana yebhanga izinkokhelo

kakhulu Igama ikhadi liyazikhulumela. Ngeke Esandleni sakho, isandla okwenziwa noma esikhwameni, kodwa ezinye amabhange futhi inikeza inguqulo plastic. Naphezu kweqiniso lokuthi website esemthethweni ye-Savings Bank has izithombe amakhadi epulasitiki imifanekiso ebonakalayo, eqinisweni, mikhiqizo akudingeki abezindaba ngokomzimba. Virtual amathuluzi wokukhokha zenzelwe kuphela ukuthenga online.

Virtual ikhadi lasebhange Savings Bank, njenganoma iyiphi enye, linenani ehlanganisa amadijithi eyishumi nesithupha, usuku lokuphelelwa yisikhathi kanye ikhodi yokuphepha kwamadijithi ezintathu. Lapho senza amakhadi zasesiteji zokugcina ungathola kuselula yakho ngokuthumela imilayezo ye-SMS. Ngaphezu kwalokho, futhi isibongo kanye negama umnikazi ikhadi ku-checkout. Kufanele kubhalwe zesi-Latin.

Kungaphansi kwaziphi izimo inikezwe?

Virtual Savings Bank ikhadi ikhishwa wamanje amaklayenti asebhange, abanale ikhadi lemali e ezandleni isikhungo sezezimali ikhishelwe jikelele inkontileka service yasebhange. Ngaphandle kwakho konke lokhu, umnikazi kumelwe ukuxhuma Insizakalo ye-SMS isaziso futhi ungene okuku-intanethi.

amakhasimende abaningi bebuza: indlela ukuhlobisa ibalazwe virtual Savings Bank? Ukuze wenze lokhu, ngokwanele isicelo Sberbank contact centre futhi ngesikhathi ebizela othile imininingwane ngepulasitiki debit card. Uma kudingeka, ungase futhi uthathe ukhiye amakhophi ngaphambilini eyakhishwa futhi liphinde likhiphe oda ikhadi kusengaphambili. Ngeshwa, kuze kube manje, ukuhlinzekwa amakhadi virtual izakhamizi eMoscow kuphela.

Pilot ukusebenzisa amakhadi

Futhi wathi amazinga yasebhange Sberbank amakhadi virtual phrojekthi ezibekwe njengoba umshayeli. Ukwahlulela kusukela ukubuyekezwa amakhasimende usuvele usebenzisa amakhadi afana, Ochwepheshe yebhange babe ngaphezulu ukuphothula. Kuyadingeka ukuba kuqedwe zobuchwepheshe, ukutadisha umthengi izifiso, ngokuvamile, ukuletha imikhiqizo ekupheleleni.

Kuze kube manje, Savings Bank of ikhadi virtual ikhishwa kuphela ruble, ukuthi ilungile iminyaka emithathu, futhi isevisi kubiza ruble angu-60. Khiphani ekhadini imahhala, kodwa ngesikhathi ukusebenza ngokuqondene ushintsho igama lizokhokhiswa imali ruble angu-30.

Futhi phezu imisebenzi ukuthi yenziwa nge-Inthanethi, ukusungula umkhawulo othile nsuku zonke. He is hhayi ningi than ruble enamandla eyizinkulungwane ezingamakhulu amathathu ngosuku.

kuleli khadi ukuthengiselana kungaba kwenziwe in ruble, zamadola euro. Inani ezidonswe futhi uyasho ku-akhawunti ngesikhathi amafomula ukuguqulwa kubalwa ngokuhlukile lwemali ngamunye. Amanani wokuguqulwa zinqunywa ebhange nsuku zonke. Lapho lasebhange ukuthengiselana e-euro amakhadi "Visa" kwinani ukuthenga futhi wanezela nomlayo ukuguqulwa. Kuyinto 0.65% semali yokukhansela.

Indlela yokuvula ikhadi virtual kuqala we Savings Bank?

Ngokwe-Bank, futhi anikezwa amakhadi afana. Bathi "Visa" uhlelo lokukhokha. Nabo futhi, akukho bendabuko plastic aphakathi, ahloselwe ukwenza ukuthenga kuwebhu.

Noma yimuphi iklayenti angakhipha esingenamkhawulo ukuthi amakhadi. A umkhawulo ophezulu ku-akhawunti yinani lika-ruble ayizigidi 15, kanye ubuncane - 200. Ngenxa yokuthi ikhadi akuyona ibizo, kungenzeka ukuklama ngaphandle kwemibhalo. Konke ukwenze ukudabula kusebenze. Ikhadi Ukukhishwa likhululekile, akukho Imali sesondlo yonyaka.

Kodwa, ngeshwa, ashona kakade ekhishwe invoyisi singanikezwanga. esele ku-akhawunti ingabonwa kwi sberbankovskom ekhethekile intanethi noma ufunde maphakathi contact.