Iikhomishini zikaTinkoff zokubhalisa, ukunika inkonzo, ukuzaliswa kwakhona, ukudluliselwa kunye nokutsalwa kwemali

Iifizi ze-Tinkoff zokubhalisa, ukusevisa, ukuzaliswa kwakhona, ukudluliselwa kunye nokutsalwa kwemali, indlela yokugcwalisa i-akhawunti, ikhadi le-Tinkoff ngaphandle kwekhomishini kwi- 2024. Kwiwebhusayithi esemthethweni yeTinkoff, lonke ulwazi malunga neekhomishini luhlakazekile kumacandelo ahlukeneyo. Siyiqokelele kwaye siyilungelelanise kwindawo enye.

Imirhumo yentengiselwano yeakhawunti yangoku kumashishini kunye nabantu abavela eTinkoff

IKhomishini yokuzalisa kwakhona iakhawunti yaseTinkoff

Kuxhomekeke kumrhumo kunye nendlela yokuzaliswa kwakhona, imida imiselwe inyanga: Unokongeza iakhawunti yakho ngaphandle kwekhomishini:

• ukudluliselwa kwi-akhawunti yangoku kwenye ibhanki;
• kwikhadi lakho lebhanki usebenzisa iinkcukacha zeakhawunti yakho;
• kwii-ATM zaseTinkoff ngaphakathi komda wasimahla.

Ikhomishini yokutsala imali kumakhadi oshishino ngokweentlawulo zikaTinkoff

Ukurhoxisa imali kwaye ukongeza nge-ATM, udinga ikhadi leshishini (https://www.tinkoff.ru/business/help/account/business-card/about/).

Iikomishini zokudluliselwa kwe-Tinkoff kubantu ngabanye

Uluhlu lweerhafu luhamba ngolu hlobo lulandelayo:

Imirhumo yokutshintshela kwikhadi lakho ledebhithi likaTinkoff koosomashishini ngabanye

Imirhumo yokutshintshela kwikhadi lakho letyala le-Tinkoff lobuqu koosomashishini ngabanye

Iakhawunti yemali yangaphandle

NgoJuni 5, 2023, uTinkoff wazisa umrhumo wokubuyisela iiakhawunti zemali yangaphandle ngeedola zaseMelika kunye neeyuro ngee-ATM zikaTinkoff, nakwiidesika zemali zebhanki nangokuqokelelwa. Ukuba ufuna ukufaka i-$ 1,000 kwi-akhawunti ye-dollar yase-US, ibhanki iya kuhlawulisa imali yediphozithi – imali iya kuboniswa kwisikrini se-ATM ngaphambi kokuba idiphozithi yenziwe. Utshintsho luya kuchaphazela ii-akhawunti ze-debit currency kwi-dollar yase-US kunye ne-euro. Cofa kwi-akhawunti yemali efunwayo, skrolela ezantsi kwesikrini kwaye ukhethe “Intlawulo” ukuze ufumane ubungakanani bekhomishini: Kuyafaneleka ukuba sicinge ukuba iikomishoni zikaTinkoff zininzi kwaye kwinqaku elinye sinokuqwalasela kuphela eyona nto ibalulekileyo kunye neqhelekileyo. enye. Uluhlu olupheleleyo kuxwebhu olunye https://acdn.tinkoff.ru/static/documents/business-tariffs-all.pdf

Iintlawulo zekhadi lebhanki le-Tinkoff

I-Tinkoff Black debit card yaqala ukubonakala kwi-2012 kwaye sele ithathwa njengeyona mveliso idumileyo yebhanki. Iingenelo eziphambili: ukunyuswa kwemali ebuyisiweyo ekuthengeni, ukudluliselwa kwasimahla, inkonzo yokuhanjiswa kunye nokunye okuninzi. Ngokutsho kwabameli beziko lebhanki, ukusebenzisa ikhadi likaTinkoff kuthetha ukuba akukho khomishini yeentengiselwano ezininzi zemali. Kodwa akukho lula ngolo hlobo. Kuyacetyiswa ukuba ufunde ngokweenkcukacha ezithe vetshe ukuba zeziphi iifizi u-Tinkoff anazo ngokugqithiselwa nokurhoxa, kunye nezinye iinkonzo.

Iimpawu zokufumana

Isicelo sekhadi sigqityiwe kwiwebhusayithi yebhanki. Le datha ilandelayo ifakwe kwifom ekhethekileyo:

• iiinishiyali ezipheleleyo;
• inombolo yomnxeba – isebenza njengesixhobo esiphambili xa usenza iintengiselwano zemali;
• umhla wokuzalwa;
• iinkcukacha zepaspoti.

Isigqibo senziwe ngaphakathi kwe-1-2 imizuzu. Ukuhanjiswa simahla phakathi kweentsuku ezi-3. Ummeli ogunyazisiweyo webhanki uya kufika kwidilesi echaziweyo ngexesha elimisiweyo; kuya kufuneka ube nencwadana yokundwendwela.

Ukubhaliswa ngabemi bangaphandle kufuna isiqinisekiso sokuhlala ngokusemthethweni kwintsimi yeRussian Federation – ikhadi lokufuduka, imvume yokuhlala okanye i-visa – kuxhomekeke kubumi.

Inkonzo yeTinkoff: iikhomishini, iimeko

Ukuveliswa kunye nokuhanjiswa kwekhadi ledebhithi simahla. Xa ukhetha i-design yeplastiki encinci, ixabiso lichongwa yisicwangciso sentlawulo yangoku. Ukugcinwa kwenyanga kuhlawuliswa njengekhomishini – ii-ruble ezingama-99 ngenyanga okanye i-1188 ngonyaka. Akukho ntlawulo yenkonzo enikiweyo:

• ukubhalisela umrhumo ohlawulelwayo kwiTinkoff Pro;
• ubukho kwi-brokerage okanye i-akhawunti yokonga, ikhadi elivela kwi-ruble ye-50,000;
• imali-mboleko ekhoyo evela kwaTinkoff, efunyenwe kwabaMnyama;
• umnini-akhawunti ongaphantsi kweminyaka eli-18 ubudala;
• inyaniso yokufumana iintlawulo zepenshini zeplastiki.

Qaphela: ikhomishini yokubonelela ngee-akhawunti ezikhoyo zemali yangaphandle imiselwa luhlobo lwemali kunye nentsalela eseleyo kwiphepha lomncono. Ngokomzekelo, iidola okanye ii-euro zikhululekile ukuba isixa semali kubo singaphantsi kwe-100 lamawaka eeuro / iidola, ngokugqithisileyo – i-0.25% ngenyanga. Ezinye iintlobo zeeakhawunti zangaphandle zinikezelwa simahla.

Umrhumo ohlawulelwayo kwi-Tinkoff Pro ubiza i-ruble ye-199. ngenyanga. Iinzuzo eziphambili: ukunyuka kwemali ukuya kwi-10-15%, inzala kwibhalansi, iibhonasi ezongezelelweyo phantsi kweprogram yokunyaniseka. Izaziso malunga nezenzo zomthengi kwikhadi, umzekelo, ukukhupha / ukukhupha kwakhona, ukuvimba, ukuzaliswa kunye neentlawulo ngewebhusayithi esemthethweni zikhululekile. Izaziso ze-SMS kunye ne-PUSH zifuna umrhumo wama-ruble angama-59. ngenyanga. Umrhumo ubanjiwe ukuba ngexesha lokuxhuzulwa kwayo, inkonzo isetyenziswe ubuncinci bexesha eli-1. Ukongezelela, ikhadi linika ithuba lokufumana i-inshurensi xa kubiwa imali kwi-balance – 99 ruble. ngenyanga.

Uncedo: iintlobo ezihlawulwayo zeenkonzo zinokuvulwa ngumsebenzisi ngokubona kwakhe ngeakhawunti yakhe yobuqu kwiwebhusayithi yeziko lebhanki.

Imirhumo yokufaka nokukhupha imali kwikhadi likaTinkoff

Inzuzo ephambili ye-Tinkoff kukukwazi ukufaka imali kwi-akhawunti yakho kwi-ATM yeqabane ngaphandle kokutsala ikhomishini: SberBank, VTB, PSB. Nangona kunjalo, kukho imida. Ngokomzekelo, nayiphi na i-ATM ye-Tinkoff ivumela ukuhoxiswa kwamahhala ukuya kwi-500 amawaka eeruble. ngenyanga, kwimibutho – ukuya kuthi ga kwi-100 lamawaka, kwaye kwintengiselwano nganye ukuya kumawaka angama-3. Ukuba imali yokuhoxiswa ingaphantsi kwe-3000, ikhomishini ye-ruble ye-90 ibanjwe.

Ukugqithisa umda wangoku uhamba kunye nokubanjelwa kwe-2% ikhomishini, ubuncinci be-90 ruble.

Iinguqulelo

Kubanikazi bamakhadi baseTinkoff Black, zonke iintlawulo ze-intrabank ngaphandle kokukhetha zenziwe simahla, kubandakanywa ukuthengiselana kwamanye amaziko emali ngenombolo yefowuni usebenzisa inkqubo yokuhlawula ngokukhawuleza kunye nokusebenzisa iinkcukacha zebhanki. Oku kuyinyani ngokukodwa kwimeko yeebhili ezisetyenziswayo – iibhanki ezininzi zihlawulisa ikhomishini. Ukudluliselwa kwemali kwikhadi lelinye iziko lezemali likhululekile ukuba imali ayidluli i-ruble ye-20,000. ngenyanga. Ukuba unobhaliso olusebenzayo lwe-Tinkoff Pro, umda uyanyuka ukuya kwi-RUB 50,000. Ukugqithisa ubungakanani bentengiselwano kufuna umrhumo we-1.5% okanye ubuncinci be-ruble ye-30. Ukusebenza kwesicelo seselula kubonelela ngokugcinwa kwiitemplates onke amakhadi afuna ukudluliselwa rhoqo. Ukongezelela, kunokwenzeka ukulawula imida.

Iikomishini zokuzalisa ikhadi le-Tinkoff Black

I-Tinkoff Black inika ithuba lokugcwalisa ikhadi lakho simahla usebenzisa amakhadi asuka kwamanye amaziko ebhanki, okanye usebenzisa inkonzo ye-intanethi ye-Tinkoff. Iidiphozithi zemali zibonelelwa ngaphandle kokutsalwa kwekhomishini ukuya kuthi ga kwi-ruble ye-150,000 ngokusebenzisa amaqabane:

• UMthunywa;
• MTS;
• Beeline.

Uncedo: ukuba umda yi-ruble ye-150,000. kugqithwe, ikhomishini eyi-2% ihlawuliswa. Imeko efanayo ivela ukuba ukuzaliswa kwakhona kwenziwa nge-ATM ye-Sberbank, i-PSB.

Imbuyiselo yemali yokuthenga

I-cashback esisiseko ibekwe kwi-1% kuzo zonke ii-ruble eziyi-100 ezisetyenzisiweyo. Into ephambili yimiqathango engqongqo. Oku kulandelayo akubandakanywanga yinkqubo:

• intlawulo yeenkonzo zabaqhubi bemfonomfono;
• ukuzaliswa kwee-wallet ze-elektroniki;
• iintlawulo usebenzisa i-akhawunti yakho;
• Intlawulo yeenkonzo eziluncedo;
• ezinye iinkonzo ebezingaqhagamshelwanga ngokugcina imali kwi-Intanethi.

Iziko lebhanki limema abanini-akhawunti ukuba banqume ngokuzimeleyo uluhlu lweenkonzo ezifanele ukunyuswa kwe-cashback – ukuya kwii-4 iindidi kunye nembuyekezo ukuya kwi-15%, ngokuxhomekeke kumrhumo we-Tinkoff Pro – 8. Ukongezelela, ibhanki ihlala ibeka izibonelelo ezikhethekileyo. ukusuka kumaqabane asemthethweni kunye nepesenti eyongeziweyo ukuya kwi-30% – ikhonkco leevenkile iPyaterochka, iMagnit, iM.Video, njl.

Ubuninzi bemali ye-cashback ibekwe kwi-ruble ye-3 000 ngenyanga, ubukho be-Tinkoff Pro kwandisa inani ukuya kwi-5 000. I-Accruals yenziwa ngokuzenzekelayo ekupheleni kwexesha ngalinye lokunika ingxelo.

Bonke abanikazi bekhadi le-MIR, ngaphandle kokukhetha, bathatha inxaxheba ngokuzenzekelayo kwinkqubo yokunyaniseka yenkqubo yokuhlawula. Umzekelo, ngokuthenga okwenziwa kumaqabane ungafumana izaphulelo ezininzi kunye neebhonasi ezongezelelweyo. Phakathi kwabo kukho ababoneleli ngeenkonzo ezinkulu, iivenkile ezinkulu, amaziko onyango abucala kunye neminye imibutho emininzi. Ikhathalogu yezibonelelo ihlaziywa rhoqo kwiwebhusayithi esemthethweni yeziko lebhanki kunye nenkqubo yokuhlawula i-MIR. Ukuze ungaphuthelwa kwisibonelelo esikhethekileyo esinenzuzo, kuyacetyiswa ukuba ulandele ukuhlaziywa.

Inzala kwibhalansi

Ukubhaliswa kwe-Tinkoff Pro edibeneyo (inyanga yokuqala yokusetyenziswa ikhululekile, emva koko i-ruble ye-199 ngexesha ngalinye lokuhlawula) kwaye ngaphandle kokuba ukuthengwa kwenziwa kwisixa se-3,000 nyanga nganye, iziko lebhanki lihlawulisa i-5% ngonyaka kwibhalansi engenziyo. ngaphaya kwe-300,000 i-ruble. Ukuba umda wangoku ugqithisiwe, iintlawulo zenzala azibonelelwanga. Abasebenzisi baqaphela izibonelelo ezithile kunikezelo olulodwa. Ngokomzekelo, i-Sovcombank inikezela nge-12% ngonyaka kwiinyanga ezi-3 zokuqala, i-Uralsib – 11%.

Kubalulekile: Inzala ibalwa kuphela kwibhalansi ekhoyo ekupheleni kosuku ngalunye lomsebenzi kwaye ifumaneka ngokuzenzekelayo ngomhla wokwenziwa kwengxelo engqinelanayo.

Ukusebenzisa ikhadi likaTinkoff xa uhamba phesheya

Emva kwenkqubo yokuhlawula i-VISA kunye ne-MASTERCARD yaba phantsi kwesohlwayo, i-Tinkoff Black yaba yenye yeemveliso zebhanki ezidumileyo phakathi kwabahambi baseRashiya. Oku kubangelwa ubukhulu becala ngenxa yemali eninzi kunye nokukwazi ukurhoxisa imali ngaphandle kokubamba umrhumo wenkonzo kuyo nayiphi na i-ATM, kungakhathaliseki ilizwe ohlala kulo. Kutshanje, ukusetyenziswa okukodwa kwenkqubo yentlawulo ye-MIR kucingelwa phesheya, kwaye kuluhlu olulinganiselweyo lwamazwe. I-Tinkoff Bank ikhupha amakhadi asekelwe kwi-MIR, ngelixa umgaqo we-multi-currency ungasasetyenziswa – amakhadi afumaneka kuphela kwi-ruble yelizwe. Kodwa inzuzo ephambili ihleli – ukungabikho kwekhomishini yokurhoxiswa kuyo nayiphi na i-ATM yala mazwe asebenza kunye nenkqubo yokuhlawula.

Izinto eziluncedo nezingeloncedo

Uninzi lwabasebenzisi baseRussia basebenzisa iTinkoff debit kunye namakhadi okuthenga ngetyala ngezi zizathu zilandelayo:

• imithetho ecacileyo yenkonzo;
• ukungabikho kobunzima ngexesha lokubhalisa;
• 24/7 inkonzo yenkxaso;
• ujongano lwebhanki lwe-Intanethi olucacileyo;
• intsebenziswano neebhanki ezininzi.

Ukukhupha ikhadi, ufuna kuphela ipasipoti kunye nenombolo yefowuni, leyo, emva kokufumana ukufikelela kwi-akhawunti yakho, iba yinombolo yemali. Ibhanki iqinisekisa iimeko ezikhangayo kunye nezibonelelo ezizodwa ezinenzuzo kumntu wonke, kodwa iikhomishini zinciphisa ixabiso lesipho. Ubukho kunye nobukhulu bekhomishini kufuneka buthathelwe ingqalelo phambi kokufaka isicelo sekhadi likaTinkoff.