Amakhomishini ka-Tinkoff okubhaliswa, ukusevisa, ukugcwalisa, ukudluliselwa kanye nokukhipha imali

Izinkokhelo ze-Tinkoff zokubhalisa, ukusevisa, ukugcwalisa, ukudluliswa kwemali nokukhipha imali, indlela yokugcwalisa i-akhawunti, ikhadi le-Tinkoff ngaphandle kwekhomishini [onyakeni_wamanje]. Kuwebhusayithi esemthethweni ye-Tinkoff, lonke ulwazi mayelana namakhomishana luhlakazekile ezigabeni ezihlukahlukene. Siyiqoqe futhi siyihlele endaweni eyodwa.

Izinkokhelo zemisebenzi yamanje ye-akhawunti yamabhizinisi nabantu ngabanye abavela e-Tinkoff

Ikhomishini yokugcwalisa i-akhawunti ye-Tinkoff

Kuncike emalini kanye nendlela yokugcwalisa, imikhawulo isethelwe inyanga: Ungakwazi ukugcwalisa i-akhawunti yakho ngaphandle kwekhomishini:

• ukudluliswa kusuka ku-akhawunti yamanje kwelinye ibhange;
• ekhadini lakho lasebhange usebenzisa imininingwane ye-akhawunti yakho;
• kuma-ATM ase-Tinkoff ngaphakathi komkhawulo wamahhala.

Ikhomishini yokukhipha ukheshi kumakhadi ebhizinisi ngokwezindleko ze-Tinkoff

Ukuze ukhiphe ukheshi futhi ugcwalise ngama-ATM, udinga ikhadi lebhizinisi (https://www.tinkoff.ru/business/help/account/business-card/about/).

Amakhomishini ka-Tinkoff adluliselwa kubantu ngabanye

I-tariff line imi kanje:

Izimali zokudluliselwa ekhadini lakho lasebhange le-Tinkoff losomabhizinisi ngabanye

Izimali zokudluliselwa ekhadini lakho lesikweletu le-Tinkoff losomabhizinisi ngabanye

I-akhawunti yemali yangaphandle

Ngomhla zi-5 kuJuni 2023, u-Tinkoff wethula imali yokugcwalisa ama-akhawunti ezimali zakwamanye amazwe ngamadola aseMelika nama-euro ngama-ATM akwa-Tinkoff, kanye nasemadeskini emali asebhange nangokuqoqwa. Uma ufuna ukufaka u-$1,000 ku-akhawunti yedola laseMelika, ibhange lizokhokhisa imali yediphozi – inani lizovezwa kusikrini se-ATM ngaphambi kokuba kwenziwe idiphozithi. Izinguquko zizothinta ama-akhawunti emali edonswayo ngamadola ase-US nama-euro. Chofoza i-akhawunti yemali oyifunayo, skrolela phansi kwesikrini bese ukhetha “Imali ekhokhwayo” ukuze uthole usayizi wekhomishana: Kuyafaneleka ukucabangela ukuthi amakhomishini kaTinkoff maningi futhi esihlokweni esisodwa singacabangela kuphela okubaluleke kakhulu nokujwayelekile. eyodwa. Uhlu olugcwele kudokhumenti eyodwa https://acdn.tinkoff.ru/static/documents/business-tariffs-all.pdf

Izimali zekhadi ledebhithi le-Tinkoff

Ikhadi lasebhange le-Tinkoff Black laqala ukuvela ngo-2012 futhi selokhu lathathwa njengomkhiqizo othandwa kakhulu ebhange. Izinzuzo eziyinhloko: ukubuyiselwa kwemali okwenyukayo kokuthenga, ukudluliselwa kwamahhala, isevisi yokulethwa nokunye okuningi. Ngokusho kwabamele isikhungo sebhange, ukusebenzisa ikhadi le-Tinkoff kusho ukuthi ayikho ikhomishini yemisebenzi eminingi yezezimali. Kodwa akulula kangako. Kutuswa ukutadisha ngokuningiliziwe ukuthi yiziphi izimali u-Tinkoff anazo zokudluliselwa nokuhoxiswa kwemali, kanye nezinye izinsizakalo.

Izici zokwamukela

Isicelo sekhadi sigcwaliswa kusizindalwazi sebhange. Idatha elandelayo ifakwe efomini elikhethekile:

• ama-initials aphelele;
• inombolo yocingo – isebenza njengethuluzi eliyinhloko lapho kwenziwa ukuthengiselana kwezezimali;
• usuku lokuzalwa;
• imininingwane yepasipoti.

Isinqumo senziwa phakathi nemizuzu engu-1-2. Ukulethwa kumahhala phakathi nezinsuku ezi-3. Ummeleli ogunyaziwe webhange uzofika ekhelini elishiwo ngesikhathi esimisiwe; uzodinga ukuba nepasipoti.

Ukubhaliswa yizakhamuzi zakwamanye amazwe kudinga isiqinisekiso sokuhlala ngokusemthethweni endaweni ye-Russian Federation – ikhadi lokufuduka, imvume yokuhlala noma i-visa – kuye ngokuthi yisakhamuzi.

Isevisi ye-Tinkoff: amakhomishini, izimo

Ukukhiqizwa nokulethwa kwekhadi ledebhithi kumahhala. Lapho ukhetha umklamo wepulasitiki olinganiselwe, izindleko zinqunywa uhlelo lwamanje lwentela. Isondlo sanyanga zonke sikhokhiswa njengekhomishini – ama-ruble angama-99 ngenyanga noma ama-1188 ngonyaka. Ayikho imali yesevisi enikeziwe:

• ukubhalisela ukubhalisa okukhokhelwayo ku-Tinkoff Pro;
• ubukhona ku-brokerage noma i-akhawunti yokonga, ikhadi kusuka kuma-ruble angu-50,000;
• imali ebolekiwe ekhona kwaTinkoff, eyatholwa kwabaMnyama;
• umnikazi we-akhawunti ongaphansi kweminyaka eyi-18;
• iqiniso lokuthola izinkokhelo zempesheni zepulasitiki.

Qaphela: ikhomishini yokusevisa ama-akhawunti emali yangaphandle ekhona inqunywa uhlobo lwemali kanye nebhalansi esele eshidini lebhalansi. Isibonelo, ama-dollar noma ama-euro amahhala uma inani lemali kubo lingaphansi kwama-euro ayizinkulungwane eziyi-100 / amadola, ngokwedlulele – 0.25% njalo ngenyanga. Ezinye izinhlobo zama-akhawunti angaphandle ahlinzekwa mahhala.

Ukubhalisa okukhokhelwayo ku-Tinkoff Pro kubiza ama-ruble angu-199. ngenyanga. Izinzuzo eziyinhloko: i-cashback ekhuphukile ifika ku-10-15%, inzalo kubhalansi, amabhonasi engeziwe ngaphansi kohlelo lokwethembeka. Izaziso mayelana nezenzo zeklayenti ekhadini, isibonelo, ukukhipha/ukukhipha kabusha, ukuvimba, ukugcwalisa kanye nezinkokhelo ngewebhusayithi esemthethweni zimahhala. Izaziso ze-SMS kanye ne-PUSH zidinga imali engama-ruble angama-59. njalo ngenyanga. Imali igodliwe inqobo nje uma phakathi nesikhathi okubanjwa ngaso, insizakalo isetshenziswe okungenani isikhathi esingu-1. Ukwengeza, ikhadi linikeza ithuba lokuthola umshuwalense uma kwenzeka ukwebiwa kwezimali kubhalansi – ama-ruble angu-99. ngenyanga.

Usizo: izinhlobo zezinsizakalo ezikhokhelwayo zingenziwa zisebenze ngumsebenzisi ngokubona kwakhe nge-akhawunti yakhe yomuntu siqu kuwebhusayithi yesikhungo sasebhange.

Izimali ezikhokhwayo zokufaka nokukhipha ukheshi ekhadini le-Tinkoff

Inzuzo enkulu ye-Tinkoff yikhono lokufaka imali ku-akhawunti yakho kuma-ATM ozakwethu ngaphandle kokudonsa ikhomishini: SberBank, VTB, PSB. Nokho, kukhona ukulinganiselwa. Isibonelo, noma iyiphi i-ATM ye-Tinkoff ivumela ukuhoxiswa kwamahhala kwekhomishini kufika kuma-ruble ayizinkulungwane ezingu-500. ngenyanga, kumanxusa – kufika ezinkulungwaneni eziyi-100, futhi ngokuthengiselana ngakunye kufika ezinkulungwaneni ezi-3. Uma inani lokuhoxiswa lingaphansi kuka-3000, ikhomishana yama-ruble angu-90 igodliwe.

Ukweqa umkhawulo wamanje kuhambisana nokubanjwa kwekhomishini engu-2%, ubuncane bama-ruble angama-90.

Izinguqulo

Kubanikazi bamakhadi bakwa-Tinkoff Black, konke ukudluliselwa kwemali ebhange ngaphandle kokukhetha kwenziwa mahhala, okuhlanganisa ukuthengiselana kwezinye izikhungo zezezimali ngenombolo yocingo kusetshenziswa uhlelo lokukhokha ngokushesha nokusebenzisa imininingwane yasebhange. Lokhu kuyiqiniso ikakhulukazi endabeni yezindleko zezinsiza – amabhange amaningi akhokhisa ikhomishini. Ukudluliselwa kwemali ekhadini lesinye isikhungo sezezimali kumahhala uma inani lingadluli ama-ruble angu-20,000. ngenyanga. Uma unokubhalisele okuvumelekile kwe-Tinkoff Pro, umkhawulo uyakhuphuka ube ngama-RUB 50,000. Ukweqa usayizi wokwenziwe kudinga imali engu-1.5% noma ubuncane bama-ruble angama-30. Ukusebenza kohlelo lokusebenza lweselula kuhlinzeka ngokugcina kuzifanekiso wonke amakhadi adinga ukudluliselwa okuvamile. Ukwengeza, kungenzeka ukulawula imingcele.

Amakhomishini wokugcwalisa ikhadi le-Tinkoff Black

I-Tinkoff Black inikeza ithuba lokugcwalisa ikhadi lakho mahhala usebenzisa amakhadi avela kwezinye izikhungo zamabhange, noma usebenzisa isevisi ye-inthanethi ye-Tinkoff. Idiphozithi yemali inikezwa ngaphandle kokudonswa kwekhomishini efinyelela kuma-ruble ayi-150,000 ngozakwethu:

• Isilayezi;
• I-MTS;
• I-Beeline.

Usizo: uma umkhawulo ungama-ruble angu-150,000. kweqiwe, kukhokhwa ikhomishini engu-2%. Kuvela isimo esifanayo uma ukugcwaliswa kabusha kwenziwa nge-ATM ye-Sberbank, PSB.

Imbuyiselo yemali yokuthenga

Imbuyiselo eyisisekelo isethwe ku-1% kuwo wonke ama-ruble ayi-100 asetshenzisiwe. Isici esiyinhloko imikhawulo eqinile. Okulandelayo akufakwanga ohlelweni:

• inkokhelo yezinsizakalo zika-opharetha weselula;
• ukugcwaliswa kabusha kwezikhwama ze-elekthronikhi;
• izinkokhelo usebenzisa i-akhawunti yakho yomuntu siqu;
• Ukukhokhwa kwezinsizakalo ezisetshenziswayo;
• ezinye izinsiza ebezingaxhumekile ngokubhanga ku-inthanethi.

Isikhungo sasebhange simema abanikazi bama-akhawunti ukuthi banqume ngokuzimela uhlu lwezinsizakalo ezifanele ukubuyiselwa imali eyengeziwe – kufika ezigabeni ezi-4 ezinembuyiselo efika ku-15%, kuncike ekubhaliseleni i-Tinkoff Pro – 8. Ukwengeza, ibhange lihlala libeka izipesheli ezikhethekile. kusuka kubalingani abasemthethweni abanephesenti elikhuphukile elifika ku-30% – uchungechunge lwezitolo Pyaterochka, Magnit, M.Video, njll.

Inani eliphakeme lokubuyiselwa kwemali lisethwe kuma-ruble angu-3 000 ngenyanga, ukuba khona kwe-Tinkoff Pro kwandisa inani libe ngu-5 000. Ama-accruals enziwa ngokuzenzakalelayo ekupheleni kwesikhathi ngasinye sokubika.

Bonke abanikazi bamakhadi e-MIR, ngaphandle kokukhetha, bahlanganyela ngokuzenzakalelayo ohlelweni lokwethembeka lwesistimu yokukhokha. Isibonelo, ngokuthenga okwenziwa kozakwethu ungathola izaphulelo eziningi namabhonasi engeziwe. Phakathi kwabo kukhona abahlinzeki bezinsiza ezinkulu, amaketanga ezitolo ezinkulu, izikhungo zezokwelapha ezizimele nezinye izinhlangano eziningi. Ikhathalogi yokunikezwayo ivuselelwa njalo kuwebhusayithi esemthethweni yesikhungo samabhange kanye nohlelo lokukhokha lwe-MIR. Ukuze ungaphuthelwa ukunikezwa okukhethekile okunenzuzo, kunconywa ukuthi ulandele izibuyekezo.

Inzalo esele

Okubhaliselwe okuxhunyiwe kwe-Tinkoff Pro (inyanga yokuqala yokusetshenziswa kumahhala, ngemva kwalokho ama-ruble angu-199 isikhathi ngasinye sokukhokha) futhi inqobo nje uma ukuthengwa kuthengwa ngenani lama-ruble angu-3,000 inyanga ngayinye, isikhungo sasebhange sikhokhisa u-5% ngonyaka kwibhalansi engakwenzi lokho. ngaphezu kwama-ruble angama-300,000. Uma umkhawulo wamanje weqiwe, izinkokhiso zenzalo azinikeziwe. Abasebenzisi baqaphela izinzuzo ezithile ezivela kumnikelo okhethekile. Isibonelo, i-Sovcombank inikeza u-12% ngonyaka ezinyangeni ezi-3 zokuqala, i-Uralsib – 11%.

Okubalulekile: inzalo ibalwa kuphela ebhalansi yamanje ekupheleni kosuku ngalunye lwebhizinisi futhi iqoqwa ngokuzenzakalelayo ngosuku isitatimende esihambisanayo esikhiqizwe ngalo.

Ukusebenzisa ikhadi le-Tinkoff uma uhamba phesheya

Ngemuva kokuthi izinhlelo zokukhokha ze-VISA kanye ne-MASTERCARD zibe ngaphansi kwezigwegwe, u-Tinkoff Black waba omunye wemikhiqizo yasebhange ethandwa kakhulu phakathi kwabahambi baseRussia. Lokhu kubangelwa kakhulu imali eningi kanye nekhono lokukhipha imali ngaphandle kokubamba inkokhiso yesevisi kunoma iyiphi i-ATM, kungakhathaliseki ukuthi uhlala kuliphi izwe. Muva nje, ukusetshenziswa okukhethekile kohlelo lokukhokha lwe-MIR kucatshangwe phesheya, futhi ohlwini olulinganiselwe lwamazwe. I-Tinkoff Bank ikhipha amakhadi asekelwe ku-MIR, kuyilapho isimiso semali eningi singasasetshenziswa – amakhadi atholakala kuma-ruble kazwelonke kuphela. Kodwa inzuzo eyinhloko isala – ukungabi khona kwekhomishini yokuhoxiswa kunoma yimaphi ama-ATM alawo mazwe asebenza nohlelo lokukhokha.

Izinzuzo kanye nokubi

Abasebenzisi abaningi baseRussia basebenzisa amakhadi edebhithi e-Tinkoff namakhadi esikweletu ngenxa yezizathu ezilandelayo:

• imithetho ecacile yokusebenza;
• ukungabi yinkimbinkimbi ngesikhathi sokubhalisa;
• 24/7 isevisi yokusekela;
• interface yasebhange ye-inthanethi enembile;
• ukusebenzisana namabhange amaningi.

Ukuze ukhiphe ikhadi, udinga kuphela ipasipoti kanye nenombolo yocingo, okuthi, ngemva kokuthola ukufinyelela ku-akhawunti yakho yomuntu siqu, iba inombolo yezimali. Ibhange liqinisekisa izimo ezikhangayo kanye nezipesheli ezinenzuzo enkulu kuwo wonke umuntu, kodwa amakhomishini anciphisa inani lesipho. Ukutholakala nobukhulu bekhomishana kufanele kucatshangelwe ngaphambi kokufaka isicelo sekhadi le-Tinkoff.