Finance, Banks
Debit card "Tinkoff Black": reviews of the owners. Conditions, tariffs
Debit card "Tinkoff Black" reviews get the best: users say that it is equipped with modern banking technology and easy to use. "Tinkoff" offers customers excellent service and participation in bonus programs. Using a TKS debit card allows not only profitable to spend money, but also to accumulate them. In the article, we will consider the conditions for obtaining it and the package of services provided by the bank with Tinkoff Black. Clients' feedback on the map will make it possible for the potential user to get a real idea about it and make the right choice for themselves.
About Tinkoff Bank
Tinkoff Bank is a credit and financial institution that has chosen a non-standard type of customer service for Russia. The fact is that throughout the country there is not a single branch of Tinkoff. Branded ATMs are also absent. How does it work and what are the benefits for users?
"Tinkoff" was founded by the type of bank Wells Fargo, which used a remote customer service model. Entrepreneur Oleg Tinkov suggested that this method of work can be introduced in Russia. As a result, Tinkoff Bank was founded. For 10 years, new products have been created, and the level of service has improved.
"Tinkoff" issues debit and credit cards for unsecured loans, provides a large selection of co-branded "plastic", allows you to make Internet payments and even execute a mortgage on the most favorable terms of other banks. Thanks to Tinkoff products, the user can significantly save on purchases in favorite stores ("AliExpress", "Google Play", "Lamoda", "Malina", eBay, One Two Trip) and purchase air tickets at favorable prices.
Conditions for obtaining
The "Tinkoff Black" card, which is discussed in favor of its purchase, is issued jointly with two payment systems: MasterCard World or Visa Platinum. The account at the same time opens in rubles, US dollars or euros. The card is valid for three years, after which you can close it or continue cooperation with the bank.
You can arrange it without leaving home. This will require the presence of the Internet and a couple of minutes of free time. At the initial stage, there is already an advantage: you do not have to go to the bank branch and wait for your turn. From requirements to the potential client - only the age of majority and the availability of a passport.
To get the "Tinkoff Black" card, the reviews are very positive, you need to perform a few simple steps:
- Go to the official site of the bank www.tinkoff.ru.
- Fill in the form for receiving a debit card "Tinkoff Black".
- Wait for the call of the bank employee, who will specify the accuracy of the entered data and notify about the timing of the receipt of the card. It will be delivered to the specified address (to the office, home).
After 1-2 days, a brand new Tinkoff Black will be in the user's hands, after which it will need to be activated by visiting the official website or dialing a toll-free number 8 800 555 10 10. Using this procedure, the client will know its PIN code, which is necessary for making transactions .
Card price
One of the main questions about the product "Tinkoff Black", user reviews about which attract more and more new customers, is its price. How much will the registration and annual maintenance of the card cost? The monthly commission of the bank on the Tinkoff Black card is 99 rubles. Total for the year goes 1188 rubles.
Receipt and delivery to the specified address are free of charge. In addition, the bank provides an opportunity to issue up to 5 additional cards, for registration of which you do not have to pay. Most of the services from Tinkoff are also carried out without additional cash contributions. For what you need to pay? If desired, the client can activate the service "SMS-bank", through which the cardholder is notified of all transactions performed. This service will cost 39 rubles, if the account is ruble. On the currency card the cost will be € 1 or $ 1. The amount is charged monthly.
Free services
The "Tinkoff Black" card gets good reviews thanks to favorable terms of service and high reliability of storage and use of funds. For example, a commission for the use of a card account may amount to 99 rubles, or maybe 0 rubles. Under certain conditions, the client manages the card for free. To do this, you need to make a deposit of $ 30,000. (€ 1000, $ 1000) or apply for the same money.
After registration, the following free services are automatically provided to the user:
- "Internet Bank" - allows you to pay for services via the Internet, set up an auto payment, view an account statement;
- "Mobile Bank" is an application for a smartphone, it supports almost all platforms;
- Informing by SMS-sending about actions on "Tinkoff Black".
Customer feedback on the Tinkoff bank debit card confirms the high level of service and the availability of a variety of convenient and free services that make the use more comfortable and enjoyable.
Funds control
The user is important to know how much money is left on the account, where they were spent. In addition, the popularity of payment for housing and communal services, cellular communications and Internet provider with the help of an online bank is growing. When a Tinkoff Black card is issued, the client is offered a free service using the Internet Bank service and the Mobile Bank.
To activate the online service, you need to go to the official website and go to the "Internet Banking" tab. A page with a form will be displayed where you need to enter the card number. After the SMS-confirmation the user independently comes up with a login and a password for entering the personal cabinet. Now the customer of the bank can perform many operations without leaving home. Among them:
- Automatic payment to the specified details and amount;
- Money transfers to other accounts;
- The opportunity to find out about the existing fines and pay them;
- Generation of reporting on used and remaining funds;
- Repayment of bills for housing and communal services, loans and other.
An equally convenient program for controlling money on the card is "Mobile Bank". This application, which works with almost any operating system smartphone or tablet: "Android", "Agios", "Winds", "Blackberry". The login and password are the same as those specified in "Internet Banking".
"Tinkoff Black" map: terms and conditions, reviews
Future users in the design of payment "plastic" are interested in any information regarding future revenues and expenses for maintaining the bank account. What are the costs and benefits expected by the customer on the Tinkoff Black card? Consider the values in the table:
Terms of use of "Tinkoff Black"
Expenses on the card | ||
Name of the service / operation | Condition | Amount of commission payable |
Account maintenance | Funds on the account are less than 30 thousand rubles. ($ 1000, € 1000) | 99 р. per month |
With a balance of 30 thousand rubles. ($ 1000, € 1000) and more | 0 р. | |
Withdraw or withdraw funds | The amount is less than 3000 r. | 90 rubles. |
The sum from 3000 to 150000 r. | 0 р. | |
The amount of more than 15,000 rubles. | 2% (not less than 90 rubles) | |
Transfer to a card account of another bank | Not more than 20,000 r. In the billing period | 0 р. |
More than 20,000 r. In the billing period | 1.5% of the amount (not less than 30 rubles) | |
Card replenishment | By bank transfer | 0 р. |
Cash or from a card account of another bank for less than 300 thousand rubles. | 0 р. | |
Over 300 thousand rubles. | 2% from the excess amount | |
Income on the card | ||
Type of compensation | Condition | Interest rate |
Cashback | Any purchases paid by the card, except for communication services, amounts of replenishment of electronic purses and payments made through the "Internet Bank" and | 1% |
For certain categories of goods | 5% | |
By spec. Offers from Tinkoff partners | Up to 30% | |
On the balance of funds | If the account has up to 300 thousand rubles. And for the settlement period * purchases of at least 3000 rubles were made. | 8% per annum in rubles (0.5% in foreign currency) |
The amount on the account exceeds 300 thousand rubles. Or no purchases were made | 4% per annum in rubles (0% in foreign currency) | |
* The settlement period lasts 1 month and starts from the day the card is activated.
Interest is accrued on a daily basis, and income is paid once per month on the "Tinkoff Black" card. Customers give positive feedback about deposits: the bank has one of the highest interest rates.
Cash withdrawal
Probably everyone who has at least one payment card knows the problem of cashing money. In search of a "native" ATM, precious minutes, and sometimes hours, go away. Clients of "Tinkoff" do not know such a problem. Despite the fact that there is no Tinkoff ATM in principle, cardholders easily withdraw money from any other device, without thinking about which organization it belongs to. And all because customers do not have a difference where to cash out the funds: the commission is either not charged at all, or the same everywhere.
Card replenishment
You can enroll funds in your account in different ways. In order not to pay additional fees, you can use the following methods:
- Transfer money from another card of any issuing bank;
- To take advantage of the services of Tinkoff partners, among which are the communication salons Svyaznoy, MTS, Euroset, Beeline;
- Through payment systems "Kiwi", "Webmoney";
- Transfer from another account by bank transfer (other credit and financial organizations for external transfers to the Tinkoff card may charge a commission).
When crediting funds, it is important to remember that the operation is free of charge only if the amount of replenishment does not exceed 300 thousand rubles. Otherwise, you will have to pay 2% extra.
More about the Cashback system
Cashback makes the Tinkoff Black card even more interesting. Customer references often mention pleasant bonuses in the form of money, which are returned to the account after the purchase. Saving is always nice, and with Tinkoff it's not so difficult. The Bank pays a cashback on a Black card in the amount of:
- 1% - for all purchases * ;
- 5% - for goods from categories selected individually for the client;
- Up to 30% - for purchases on special shares from the partners of the bank.
* Cashback is not accrued when withdrawing funds and making transfers, paying for services or goods in the section "Payments and transfers", replenishment of electronic purses, communications, housing services and some other operations. You can see the full list of exceptions on the bank's website .
Cashback is accrued at the end of the billing period. Track the process can be in the statement, which is provided to the client on a monthly basis. For each period, the cardholder returns up to 3000 rubles.
About the security of Tinkoff Black
The most important characteristic of the bank and the products it offers is the reliability of storing funds on the account. "Tinkoff Black" refers to the safest cards. To this end, several measures have been taken:
- A chip that protects the card from copying;
- Customizable limits on withdrawal of funds and payment for purchases over the Internet;
- 3-D Secure technology for secure online transactions;
- Possibility to disconnect payment for goods and services via the Internet;
- Blocking SMS notifications with one-time passwords;
- The creation of a safe account, which is designed to store funds.
Thus, all possible measures of protection provided a map of "Tinkoff Black". Customer feedback confirms the high level of security and convenience of controlling cash flow.
Advantages of the card
Is it worth making out "Tinkoff Black" and what are the advantages that distinguish it among other banking products? Consider the main advantages of the map:
- Simplicity of registration and receipt - without leaving home;
- High level of service and safety;
- Convenience of withdrawing funds in any ATM and without commission;
- Free services;
- When opening a deposit - interest and free service;
- Support for PayPass / PayWave wireless payment system;
- Cashback to 3000 rubles per month.
There is also a referral program for Tinkoff Black users. For each given client, a reward of 500 rubles is required.
Negative moments
Reviews about the map "Tinkoff Black" are mostly good, but not everyone liked it. The purposes of opening a bank account are different for all, and requests for a package of services too. In what way did some users of Tinkoff Black become disillusioned? The main reasons for dissatisfaction with the card are:
- Conditions for obtaining a fee for the storage of funds - someone uses the card only as a deposit, and for 8% per annum you need to make purchases;
- Cost of service (1200 rubles per year);
- An excessive minimum withdrawal amount without a commission;
- A large number of conditions and requirements that affect the amount of commissions and fees.
Tinkoff credit card: user reviews
Credits are the main part of Tinkoff's work. Get a loan here is easy enough: fill out the online form and wait for the call of the operator. Approve it almost always, the bank is not afraid to work with unsecured loans. But this is more than offset by the interest rate, which in reality is more than 40%.
The leader among the bankrolls of this bank is Tinkoff Platinum. Clients' comments about it are contradictory. On the one hand, there are benefits such as cashback (1%), low annual service cost (590 rubles), grace period (55 days). On the other hand, many users are concerned about the ease of obtaining a loan, do not like the high interest rate from 30 to 45% per annum. The impression and a lot of conditions and exceptions that affect the amount of payments on the loan spoil the impression.
An interesting option to save and increase money is the debit card "Tinkoff Black". Comments, terms of receipt and use were considered in the article in full. It only remains for the reader to understand how acceptable the bank's requirements are, and whether such a payment card is necessary. Like any other banking "plastic", "Tinkoff Black" was created for certain purposes - accumulation and active use of funds. Only if these conditions are met will the card prove beneficial to its owner.
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