Kwamitocin Tinkoff don rajista, sabis, sake cikawa, canja wuri da cire kuɗi

Kudaden Tinkoff don rajista, sabis, sakewa, canja wuri da cire kuɗi, yadda ake cika asusu, Katin Tinkoff ba tare da hukumar ba a cikin [shekara ta yanzu]. A kan gidan yanar gizon Tinkoff na hukuma, duk bayanai game da kwamitocin sun warwatse a sassa daban-daban. Mun tattara kuma mun tsara shi wuri guda.

Kudade don ma’amalar asusu na yanzu don kasuwanci da daidaikun mutane daga Tinkoff

Hukumar sake cika asusun Tinkoff

Ya danganta da jadawalin kuɗin fito da hanyar sake cikawa, an saita iyaka har tsawon wata ɗaya: Kuna iya cika asusunku ba tare da kwamiti ba:

• canja wurin daga asusun yanzu a wani banki;
• daga katin zare kudi ta amfani da bayanan asusun ku;
• a Tinkoff ATMs tsakanin iyaka kyauta.

Hukumar cire tsabar kudi daga katunan kasuwanci bisa ga jadawalin kuɗin fito na Tinkoff

Don cire tsabar kuɗi da tara kuɗi ta hanyar ATMs, kuna buƙatar katin kasuwanci (https://www.tinkoff.ru/business/help/account/business-card/about/).

Kwamitocin Tinkoff suna canjawa zuwa ga daidaikun mutane

Layin jadawalin kuɗin fito kamar haka:

Kudaden canja wuri zuwa katin zare kudi na Tinkoff na kowane ƴan kasuwa

Kudade don canja wuri zuwa katin kiredit na Tinkoff na kowane ɗan kasuwa

Asusun kudin waje

A ranar 5 ga Yuni, 2023, Tinkoff ya gabatar da kudi don sake cika asusun ajiyar kuɗaɗen waje a cikin dalar Amurka da Yuro ta hanyar ATMs na Tinkoff, da kuma a teburan kuɗi na banki da kuma ta hanyar tattarawa. Idan kana son saka $1,000 a cikin asusun dalar Amurka, bankin zai biya kudin ajiya – adadin kudin za a nuna shi akan allon ATM kafin a yi ajiya. Canje-canjen za su shafi asusun ajiyar kuɗi a dalar Amurka da Yuro. Danna kan asusun kuɗin da ake so, gungura zuwa kasan allon kuma zaɓi “Tariff” don gano girman hukumar: Yana da kyau a yi la’akari da cewa kwamitocin Tinkoff suna da yawa kuma a cikin labarin daya kawai za mu iya la’akari da mafi mahimmanci da na kowa. wadanda. Cikakken jeri a cikin takarda ɗaya https://acdn.tinkoff.ru/static/documents/business-tariffs-all.pdf

Kudin katin zare kudi na Tinkoff

Katin zare kudi na Tinkoff Black ya fara bayyana a cikin 2012 kuma tun daga lokacin an dauki shi a matsayin mafi mashahuri samfurin bankin. Babban fa’idodi: haɓaka tsabar kuɗi don sayayya, canja wuri kyauta, sabis na bayarwa da ƙari mai yawa. A cewar wakilan cibiyar banki, yin amfani da katin Tinkoff yana nufin babu wata hukumar da ta shafi yawancin hada-hadar kudi. Amma ba haka ba ne mai sauki. Yana da kyau a yi nazari dalla-dalla menene kuɗin Tinkoff don canja wuri da cirewa, da kuma sauran ayyuka.

Siffofin karɓa

Ana kammala aikace-aikacen katin akan gidan yanar gizon bankin. Ana shigar da bayanai masu zuwa cikin tsari na musamman:

• cikakken baƙaƙe;
• lambar tarho – yana aiki azaman babban kayan aiki lokacin yin ma’amalar kuɗi;
• ranar haifuwa;
• bayanan fasfo.

An yanke shawarar a cikin mintuna 1-2. Bayarwa kyauta ne a cikin kwanaki 3. Wakilin banki mai izini zai zo a ƙayyadadden adireshin a lokacin da aka ƙayyade; kuna buƙatar samun fasfo.

Rijista ta ‘yan kasashen waje na buƙatar tabbatar da zaman doka a kan ƙasa na Tarayyar Rasha – katin ƙaura, izinin zama ko visa – dangane da ɗan ƙasa.

Sabis na Tinkoff: kwamitocin, yanayi

Kerawa da isar da katin zare kudi kyauta ne. Lokacin zabar ƙayyadaddun ƙirar filastik, farashin yana ƙayyade ta tsarin jadawalin kuɗin fito na yanzu. Ana cajin kulawar kowane wata a matsayin kwamiti – 99 rubles kowace wata ko 1188 a kowace shekara. Babu kudin sabis da aka bayar:

• yin rajista don biyan kuɗi zuwa Tinkoff Pro;
• kasancewar a kan dillalai ko asusun ajiyar kuɗi, katin daga 50,000 rubles;
• lamuni na yanzu daga Tinkoff, wanda aka karɓa akan Black;
• ma’abucin asusu wanda bai kai shekara 18 ba;
• gaskiyar karbar kudaden fansho na filastik.

Lura: Hukumar kula da asusun kuɗin waje da ake da su ana ƙaddara ta nau’in kuɗi da sauran ma’auni akan ma’auni. Alal misali, daloli ko Yuro suna da kyauta idan adadin kuɗin da aka ba su ya kasance kasa da 100 dubu kudin Tarayyar Turai / dala, don wuce gona da iri – 0.25% kowane wata. Wasu nau’ikan asusun ketare ana yi musu hidima kyauta.

Biyan kuɗi na Tinkoff Pro yana biyan 199 rubles. kowane wata. Babban fa’idodin: haɓaka tsabar kuɗi har zuwa 10-15%, sha’awa akan ma’auni, ƙarin kari a ƙarƙashin shirin aminci. Sanarwa game da ayyukan abokin ciniki akan katin, misali, fitowa/sake fitowa, toshewa, sake cikawa da biyan kuɗi ta gidan yanar gizon hukuma kyauta ne. SMS da sanarwar PUSH suna buƙatar kuɗi na 59 rubles. kowane wata. Ana riƙe kuɗin idan har lokacin da aka cire shi, an yi amfani da sabis ɗin aƙalla sau 1. Bugu da ƙari, katin yana ba da damar samun inshora idan akwai satar kuɗi daga ma’auni – 99 rubles. kowane wata.

Taimako: nau’ikan sabis ɗin da aka biya za a iya kunna ta mai amfani bisa ga ra’ayinsa ta hanyar asusunsa na sirri akan gidan yanar gizon cibiyar banki.

Kudaden ajiya da cire tsabar kudi daga katin Tinkoff

Babban fa’idar Tinkoff shine ikon saka kuɗi a cikin asusun ku a ATM na abokin tarayya ba tare da cire kwamiti ba: SberBank, VTB, PSB. Duk da haka, akwai wasu iyakoki. Misali, duk wani ATM na Tinkoff yana ba da damar cirewa kyauta na hukumar har zuwa 500 dubu rubles. a kowace wata, a cikin masu haɗin gwiwa – har zuwa dubu 100, kuma ga kowane ma’amala har zuwa dubu 3. Idan adadin janyewar bai wuce 3000 ba, an hana kwamiti na 90 rubles.

Wuce iyaka na yanzu yana tare da riƙewa na 2% hukumar, mafi ƙarancin 90 rubles.

Fassara

Ga masu katin Tinkoff Black, duk canja wurin intrabank ba tare da togiya ana yin su kyauta ba, gami da ma’amala zuwa wasu cibiyoyin kuɗi ta lambar waya ta amfani da tsarin biyan kuɗi cikin sauri da kuma amfani da bayanan banki. Wannan gaskiya ne musamman a yanayin biyan kuɗi – yawancin bankuna suna cajin kwamiti. Canja wurin kuɗi zuwa katin wata cibiyar kuɗi kyauta ne idan adadin bai wuce 20,000 rubles ba. kowane wata. Idan kuna da ingantaccen biyan kuɗin Tinkoff Pro, iyaka yana ƙaruwa zuwa RUB 50,000. Fiye da girman ma’amala yana buƙatar kuɗi na 1.5% ko mafi ƙarancin 30 rubles. Ayyukan aikace-aikacen wayar hannu yana ba da tanadi don adanawa cikin samfuri duk katunan da ke buƙatar canja wuri na yau da kullun. Bugu da ƙari, yana yiwuwa a sarrafa iyaka.

Kwamitocin sake cika katin Tinkoff Black

Tinkoff Black yana ba da damar ƙara katin ku kyauta ta amfani da katunan wasu cibiyoyin banki, ko amfani da sabis na kan layi na Tinkoff. Ana ba da adibas ɗin kuɗi ba tare da cire kwamitocin ba har zuwa 150,000 rubles ta hanyar abokan tarayya:

• Manzo;
• MTS;
• Beeline.

Taimako: idan iyaka shine 150,000 rubles. ya wuce, ana cajin kwamiti 2%. Irin wannan yanayin yana tasowa idan an sake cikawa ta hanyar ATM na Sberbank, PSB.

Cashback don sayayya

An saita tsabar kuɗi na asali a 1% ga kowane 100 rubles da aka kashe. Babban fasalin shine ƙuntataccen ƙuntatawa. Abubuwan da shirin ba ya rufe su:

• biyan kuɗin sabis na afaretan wayar hannu;
• sake cika wallet na lantarki;
• biyan kuɗi ta amfani da asusun ku;
• Biyan ayyukan amfani;
• sauran ayyukan da ba a haɗa su ta hanyar banki ta Intanet ba.

Cibiyar banki ta gayyaci masu rike da asusu don tantance jerin ayyukan da suka cancanci samun karuwar cashback – har zuwa nau’ikan 4 tare da dawowar har zuwa 15%, dangane da biyan kuɗi zuwa Tinkoff Pro – 8. Bugu da ƙari, bankin a kai a kai yana ba da tayi na musamman. daga masu haɗin gwiwar hukuma tare da karuwar kashi har zuwa 30% – sarkar Stores Pyaterochka, Magnit, M.Video, da dai sauransu.

Matsakaicin adadin tsabar kudi an saita shi a 3,000 rubles a kowane wata, kasancewar Tinkoff Pro yana ƙara adadin zuwa 5,000. Ana yin ƙima ta atomatik a ƙarshen kowane lokacin rahoton.

Duk masu riƙe katin MIR, ba tare da togiya ba, suna shiga ta atomatik cikin shirin aminci na tsarin biyan kuɗi. Misali, don siyayya da aka yi daga abokan haɗin gwiwa za ku iya samun rangwame da yawa da ƙarin kari. Daga cikinsu akwai manyan masu ba da sabis na amfani, sarƙoƙi na manyan kantuna, cibiyoyin kiwon lafiya masu zaman kansu da sauran ƙungiyoyi da yawa. Ana sabunta kasida na tayi akai-akai akan gidan yanar gizon hukuma na cibiyar banki da tsarin biyan kuɗi na MIR. Don kada ku rasa wani tayin na musamman mai riba, ana ba da shawarar ku bi sabuntawa.

Sha’awa akan ma’auni

Biyan kuɗi na Tinkoff Pro da aka haɗa (watanni na farko na amfani kyauta ne, bayan haka 199 rubles kowane lokacin biyan kuɗi) kuma idan an sayi sayayya a cikin adadin 3,000 rubles kowane wata, ma’aikatar banki tana cajin 5% kowace shekara akan ma’auni wanda ba ya fiye da 300,000 rubles. Idan an wuce iyaka na yanzu, ba a bayar da kuɗin ruwa ba. Masu amfani suna lura da wasu fa’idodi daga tayin na musamman. Alal misali, Sovcombank yana ba da 12% a kowace shekara don watanni 3 na farko, Uralsib – 11%.

Muhimmi: Ana ƙididdige sha’awa ne kawai akan ma’auni na yanzu a ƙarshen kowace ranar kasuwanci kuma ana tara ta atomatik a ranar da aka samar da bayanin daidai.

Amfani da katin Tinkoff lokacin tafiya ƙasashen waje

Bayan tsarin biyan VISA da MASTERCARD sun shiga cikin takunkumi, Tinkoff Black ya zama ɗaya daga cikin shahararrun samfuran banki tsakanin matafiya na Rasha. Wannan ya faru ne saboda yawan kuɗaɗe da kuma ikon cire kuɗi ba tare da riƙe kuɗin sabis a kowane ATM ba, ba tare da la’akari da ƙasar zama ba. Kwanan nan, an yi hasashen amfani da tsarin biyan kuɗi na MIR a ƙasashen waje, kuma a cikin ƙayyadaddun jerin ƙasashe. Bankin Tinkoff yana fitar da katunan bisa ga MIR, yayin da ba a amfani da ka’idar kuɗi da yawa – katunan suna cikin rubles na ƙasa kawai. Amma babban fa’ida ya rage – rashin hukumar cire kudi a kowace na’urar ATM na wadancan kasashen da ke aiki da tsarin biyan kudi.

Fa’idodi da rashin amfani

Yawancin masu amfani da Rasha suna amfani da Tinkoff debit da katunan kuɗi don dalilai masu zuwa:

• bayyanannun ƙa’idodin sabis;
• rashin rikitarwa a lokacin rajista;
• 24/7 sabis na tallafi;
• ilhama ta hanyar banki ta intanet;
• haɗin gwiwa tare da bankuna da yawa.

Don ba da kati, kawai kuna buƙatar fasfo da lambar waya, wanda, bayan samun damar shiga asusun ku, ya zama lambar kuɗi. Bankin yana ba da tabbacin yanayi masu ban sha’awa da tayi na musamman ga kowa da kowa, amma kwamitocin suna rage ƙimar tayin. Ya kamata a yi la’akari da samuwa da girman hukumar kafin neman katin Tinkoff.