Finance, Banks
Debit cards "Tinkoff": reviews, conditions, registration, withdrawal of cash
To date, there are quite a lot of banks in Russia and around the world. And not everyone knows how to choose the right one with the most suitable conditions.
Only having got acquainted with history, reputation, services and bank products, it is possible to judge a financial institution as such. In this article there will be a speech about JSC "Tinkoff Bank", or rather, about one of its activities - debit cards. In addition, from the article you will learn how to use them, and how to open or close card accounts.
Bank of the new generation
But first we will get acquainted with the bank itself.
Bank "Tinkoff" is the first such financial institution, which completely abandoned the serving offices. All interaction takes place via the Internet.
This allows us to serve more than 4 million customers throughout Russia around the clock. That is, the client does not need to leave his job or study to go to the bank's representative office.
It's enough just to go to the Internet on the bank's website at any time of the day or night. Due to this, this financial institution positions itself as a bank without queues.
Card support is open 24 hours a day, there is also an opportunity to conduct transactions via Internet banking and telephone. Tinkoff debit cards, which you can find about in the article, can be used in terminals around the world, which is very convenient for frequent trips abroad.
In addition, the bank provides lending services and is an insurance agent. This is quite enough to provide a sufficiently wide range of services, working in a virtual network.
Judging by the responses, to date, the debit, credit card of "Tinkoff Bank", as well as its insurance services are at a fairly high level.
A wide range of debit cards
So, let's go directly to the deposit cards the bank offers.
Debit cards, which can be issued via the Internet within a few minutes, there are seven types:
Tinkoff Black.
OneTwoTrip.
AliExpress.
Lamoda.
EBay.
"The Messenger Club."
Mitsubishi.
Next, we will get acquainted with the conditions of each of them.
Tinkoff Black
"Tinkoff Black" is a debit card, which is intended, first of all, for people who value their time and prefer to earn on their own money.
The card will be free of charge, provided that the card account contains amounts from 30 thousand rubles, 1 thousand US dollars or 1 thousand euros. In other cases, you will have to pay 99 rubles, 3 US dollars, or 3 euros, respectively, per month for a card.
Monthly, the bank charges 8% per annum on the balance of funds on the card account, if it is at the level of up to 500 thousand rubles, and above - 4%. Of course, the card can be opened in foreign currency, but in this case only 0.5% per annum will be charged on the balance.
The reviews speak of the positive moment that these debit cards have with the calculation of interest on the balance - withdrawal of funds from the savings account can be made at any time without loss of interest.
Is this a lot or a little? If you opened a card in rubles and spend monthly transactions for up to 10 thousand rubles, and also have a balance on your account of 40 thousand rubles, then for a year doing nothing, you will earn 5 480 rubles.
This is not all that Tinkoff Bank has prepared for its customers. The debit card of this kind, literally speaking, itself earns money. How is this possible? From each purchase, except for replenishment of the account and payments through Internet banking, 1% of the funds spent are returned to the card.
Go ahead. For today it is possible to return up to 5% from payments in cinema, drugstores and payment of penalties of traffic police. These conditions will last until December of this year inclusive. For what you "pays" the bank - you can constantly monitor the site.
And if you have activated the services of special offers from the partners of the bank, then you will be returned to the card up to 30% of the purchases of certain goods in their stores.
It does not matter which ATM
Save time will allow "Tinkoff Bank." Debit card "Black" will help not to spend precious minutes searching for the necessary ATM. You can withdraw in absolutely any commission, subject to the transaction amount from 3000 thousand rubles. Or 100 y. E.
In addition, replenish the card is also not difficult. Send money to it from other cards of any banks through the Internet for free, "Tinkoff Bank" does not charge any commission for this.
Also, technologies for contactless payment of Visa payWave and Mastercard paypass are supported, which allows you to make purchases simply by bringing to your terminal your debit card.
Convenience of personal budget management
They say that in order to save money, you first need to start making a budget in which your financial flows will be displayed. Debit cards with interest on the balance of "Black" include the option of automatically maintaining a special journal.
All your purchases and costs will be distributed by computer to the specified categories. And to save money, you can set a certain limit for each section.
If you do not want to spend money on the maintenance of the Tinkoff Black debit card, then make any deposit, for all deposit holders, this card is issued and maintained free of charge.
Web-banking at a high level
Since "Tinkoff Bank" is a financial institution that "is" only in the virtual world, the requirements for Internet banking are particularly high. After all, the client can not apply to the local office with his payments, transfers and questions.
Bank staff understand this fully and created a really convenient service, judging by the reviews. Clients confirm that with the help of it it is possible to conduct any operations with their cards, generate reports on the movement of money not only on the computer, but also on the mobile phone. That is, the bank is always at hand.
What do you need to open a card?
It is enough to go to the site, fill out the questionnaire and follow the further actions indicated on the resource. Approximately filling out all the information takes about 5 minutes.
A new card will arrive to you in 2 days, according to the company's employees.
OneTwoTrip
If you like to travel a lot and use, or want to use the services of OneTwoTrip service, then you will need such a debit card of "Tinkoff Bank". The conditions that are provided to its owners, we will consider further.
If the card will be the amount of more than 30 thousand rubles, the monthly maintenance will be 0 rubles, in other cases - 99 rubles. per month.
The main advantage is an exclusive bonus program that allows you not only to save money for travel, but also to earn a good rest both abroad and within the Russian Federation. How does this happen?
For every purchase of something using this card, the bank charges 1% of bonuses. In addition, there are other bonuses for using the card.
If you pay by hotel or airline card, you get the following bonuses:
Hotels - 7%, air tickets - 3%, if payment is made through the application for smartphones OneTwoTrip.
Hotels - 5%, air tickets - 2%, through the web resource OneTwoTrip.
Thus, you can simultaneously travel and earn bonuses, which, again, spend on new vouchers.
In addition, as in the "Tinkoff Black" card, the balance of money is charged: 8% if the balance is below 500 thousand rubles, and 4% are provided for amounts in excess of 500 thousand rubles. Free withdrawal of funds for more than 3 thousand rubles will allow you to profitably withdraw money anywhere in the world without excessive overpayment.
Do not know how to replenish the "Tinkoff Bank" debit card of this type or any other? On the bank's website, you can find thousands of points using a visual map, in which you can quickly and free of charge replenish your card account and, accordingly, the card itself.
OneTwoTrip is similar to the previous one and that it has instant payment technologies from Visa and Mastercard, as well as modern and convenient Internet banking.
Aliexpress
This "Tinkoff" debit card, the terms and interest for which are described below, is the fruit of cooperation between the bank and the well-known trading platform. AliExpress positions itself as the largest virtual store in Russia. Not surprisingly, the bank chose him for cooperation.
If you have an Aliexpress card with you and make purchases using it, you will receive 1% of the amounts spent. In case of purchases on the site of the above-mentioned online store, only 2% will be returned to the card. Judging by the reviews, it is very popular with cardholders.
"Tinkoff Bank" has given the card to AliExpress a savings account, Internet banking and the same payment terms as in the previous two cards.
Lamoda
Love to be fashionable and beautifully dressed? "Tinkoff Bank" offers you to get from this maximum benefit. You just need to go to the site of this financial institution and issue a Lamoda card, which is an access to a large number of bonuses from the same-name partner of the bank, which is one of the most successful stores of men's and women's clothing.
What bonuses are they talking about?
For any purchase in the specified online store, the bank lists 2% of the value of things. And if you want to get the maximum benefit, then take part in special offers from the clothing store. In this case, your card will be credited as much as 30% of bonuses.
Even if you do not make such purchases on a regular basis, you will receive 1% of bonuses from any card transactions related to the payment of various goods or services.
This debit card "Tinkoff", cash withdrawal on which you can carry out without any commissions for a transaction amount of 3 thousand rubles. In any ATM of the world, has the other conditions as the previous cards.
EBay
As you have already noticed, "Tinkoff Bank" prefers to cooperate with large players in the field of Internet trading. And without such a large representative like eBay, I could not manage.
The special debit card "Tinkoff", the terms of which are listed below, is designed specifically for those who like to shop at this online store. The eBay card from "Tinkoff Bank" will also save and earn money on purchases on the Internet. The conditions are the same as for the previous cards, but for each purchase you will receive points:
2% for any purchases on the Internet (only in the eBay store);
30% for participation in special offers from partners of the bank;
1% for any other purchases on the card.
All the bonuses you receive can be converted into real money at the rate of 1 point = 1 ruble and make a purchase in the eBay store. For this you need to collect at least 2000 such points.
Open a debit card "Tinkoff Bank" eBay you can in the same way as others - enough to give 5 minutes. His free time and go to the bank's website.
Other conditions on the card are similar to other debit cards.
"Communication-Club"
Abroad, quite a long time ago developed a system in which various shops and organizations are united in single clubs to increase their income and interest of customers.
It can not be said that in Russia such a system only appears, but it is not yet developed.
Bank "Tinkoff" and "Svyazno-Club" offer to draw up a corresponding card, which will make profitable purchases and receive bonuses in the stores - partners of the program.
When buying goods in affiliate shops, owners of such a card can receive 14% of bonuses in the form of so-called pluses. Any other purchase will give 1% of the pluses.
Considering that 1 plus = 1 ruble discounts, having a card with it becomes really profitable. You can find out which stores are partners of the program on the site of "Tinkoff Bank", as well as "Svyazno-Club".
Just like other Tinkoff Bank cards, you will receive 8% or 4% of the balance on the account, depending on the balance of cash on it. Modern Internet banking and free withdrawals in all of the world's ATMs are also present.
Mitsubishi
If you own a car from the brand with the world name Mitsubishi, then you are very lucky. Created a debit card "Tinkoff", conditions and interest on which you will find out further, for the owners of these Japanese cars.
Each payment for goods or services at gas stations, as well as car washes, brings to the cardholder 2% of the amount of transactions in the form of bonuses. For any other purchases, 1% of bonuses are credited.
All accumulated bonuses can be exchanged at the rate of 1 bonus = 1 ruble for any purchase or service at Mitsubishi service centers. The minimum amount for payment must be at least 500 rubles.
On its website, "Tinkoff Bank" offers to calculate the number of bonuses that can be obtained using this card. By filling in the data we get the following result: buying a month on the map of goods for 20 thousand rubles. And using the services of gas stations and washhouses for the amount of 15 thousand rubles, you can get 4,800 bonuses. This is quite a lot, given such a short time.
Other conditions are similar to previous debit cards.
Conditions for closing debit cards
Further we will answer the question about how to close a debit card of "Tinkoff Bank" of any kind.
To do this is easy enough - you just need to contact the Customer Service Center and report your intentions to close the card. You can do this either via the Internet or by phone by dialing the number indicated on the card itself.
The bank's customers say that it is not difficult at any time to close the Tinkoff debit cards.
Reviews about the cards of the bank
According to some "national ratings" runet, we can conclude that the cards and the work of the bank as a whole are positively evaluated. The average rating is the 4th place, which is good results considering the great competition.
There are claims to the bank and dissatisfaction with the fact that card transactions are not carried out immediately, but within 1-3 days. For example, if you pay by cards abroad, then you can withdraw from your account the equivalent in rubles not on the date of payment for services, but for a later one. This sometimes leads to additional costs.
But the bank's employees in this situation can not do anything, since such installations are dictated not by them, but by Visa and MasterCard payment systems themselves.
It is easy enough to find reviews about debit cards "Tinkoff" reviews, which leave a positive impression about the bank. For example, many thank the bank for its operational work, which can not be compared even the largest banks that operate in the territory of the Russian Federation, as well as for withdrawing money without commissions in any banks of the world.
Draw conclusions
Apparently, Tinkoff debit cards, the reviews described above, are accessible and do not go beyond the conditions of the Russian banking services market. On the contrary, on some points even better conditions are observed than in some well-known and popular banks.
The main feature is that you do not have to leave your own home to create a new card or open a card account. It's enough just to access the Internet, a little free time and the desire to become a customer of the bank, which annually receives awards as the best bank created in the network.
The presence of a very large line of debit cards allows us to capture and interest our services with a sufficiently wide audience of people. Even the owners of cars of Mitsubishi company this bank did not bypass.
Of course, there are those people who have a need to communicate with a person live. Unfortunately, Tinkoff Bank does not provide such an opportunity.
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