IzimaliAmabhange

Amabhange-abalingani be-Savings Bank. Ayikho ikhomishini engingahoxisa imali ekhadini le-Savings Bank?

I-Sberbank ibhekwa njengesikhungo esikhulu sezwe. ATM yakhe yonke indawo. Kukhona namabhange abambisene nabo eSberbank. Ngaphandle kwekhomishini, ungakwazi ukuhoxisa imali kubo. Udinga nje ukwazi ukuthi ungubani wabo.

Mayelana nezinhlelo ezihambisanayo

Imakethe yaseRussia ihlanganisa inani elikhulu lezakhiwo zezezimali. Ngamunye unezinkokhelo zakhe ezenzelwe izinsizakalo ezinikeziwe. Uma ukhetha ibhange, kufanele uthembele ezicini ezimbili. Ukuzinza nokuthembeka kwenhlangano kubhekwa kubalulekile. Bese ikhwalithi nentengo yamasevisi. Yilezi zimpawu ezikhokhelwa lapho ukhetha ibhange.

Uma ucabangela isakhiwo se-Sberbank, ungabona inethiwekhi ethuthukile yebhange lomlingani. Lezi yizinhlangano ezihlinzeka ngamasevisi ngamagama afanelekayo. Uma inkampani ingenayo isivumelwano sokubambisana, izindleko zizoba ngaphezulu. Ngakho-ke, ukubambisana okunjalo kuyoba usizo kumakhasimende.

Manje amabhange ahlukene-abalingani bakaSberbank basebenza. Ngaphandle kwekhomishana, ungakwazi ukuhoxisa izimali ngosizo lwabo. Ngenxa yokubambisana, isikhungo sinemikhiqizo ehlukene yezimali, evumela amakhasimende akhanga. Futhi abantu benza imisebenzi ngaphandle kwamakhomishana noma ngemali encane kakhulu.

Ukubambisana kuzuzisa izinhlangothi zombili. Ibhange lithola amakhasimende amaningi, futhi abathengi bangasebenzisa amasevisi ngendlela efanele. Isibonelo, isikweletu sakhishwa enhlanganweni ebhekwa njengomlingani we-Sberbank. Kulesi simo, ungakwazi ukukhokha inkokhelo ngokusebenzisa ukuphela kwakhe. Futhi ikhomishana izoba yincane. Izindleko ezengeziwe kungenzeka zingekho. Uma ukhokha isikweletu esikhungweni esingesona umlingani, kuzodingeka ukhokhe ikhomishini ephezulu.

Izinhlobo zamabhange ozakwethu

Manje amabhange ahlukene-abalingani bakaSberbank basebenza. Ngaphandle kwekhomishana, ungawasusa ekhadini kuwo. Lesi sikhungo asibambisanga nezinhlangano eziphambili kuphela, kepha futhi nalabo abathuthuka kuphela. Uhlu lwabalingani luhlanganisa:

  • Rosselkhozbank;
  • "VTB 24";
  • "I-MTS Bank";
  • "Investbank";
  • Promsvyazbank.

Kodwa akuwona wonke amabhange abalingani bakaSberbank ngaphandle kwekhomishana yokuhoxisa imali avunyelwe ukwenza. Kwezinye kunezinkokhelo, kodwa zincane. Ngaphandle kokukhipha imali, bazokwazi ukukhokhela izinsizakalo ngaphandle kokuya kumakhomishini amakhulu asezinye izinhlangano.

"VTB 24"

Kuze kube manje, lesi sikhungo kubhekwa njengomlingani omkhulu we-Sberbank. Isebenza kubantu ngabanye kanye nezinhlangano zomthetho. Izinkampani ezinkulu zisebenza naye. Amaklayenti "VTB 24" anikezela:

  • Imali;
  • Ukukhishwa kwamakhadi;
  • Imisebenzi yokukhokha imali;
  • Ukubhaliswa kwamabhokisi.

Ibhange linesistimu yegatsha elithuthukile. Amagatsha angaphezu kuka-1 000 atholakala ezindaweni eziningi ezweni. Amakhasimende anikezwa umsebenzi omuhle, izinhlelo ezizuzisa.

Njengoba eyilungu leqembu, elibizwa ngokuthi "amabhange e-Sberbank's partner," ukuhoxiswa kwemali kwenziwa ngaphandle kwekhomishana. Ngokudluliselwa phakathi kwamakhadi, kuphela i-1.5% ekhokhiswayo. Ubukhulu bekhomishini esifundeni ngasinye singase buhluke. Futhi izimali zingahluka ngokuya nge-cashier kanye nohlobo lwekhadi.

"Rosselkhozbank"

Amabhange-abalingani bakaSberbank waseRussia ngaphandle kokukhomishana akuvumela ukuba uhoxise imali kuzo zonke i-ATM. Indawo yesibili ngenani lamagatsha lihlala yiRossselzbank. Manje kunamahhovisi angaphezu kuka-1800. Inhlangano isetshenziselwa ukusebenza kuphela nabamele bendawo ye-agrarian, ibanikeze imali mboleko. Ngenxa yokuxhasa lesi siqondiso, sakwazi ukubhekana nezikhathi ezinzima, futhi sinqobe ubunzima bezezimali.

Manje i-Rosselkhozbank isebenza ngabamele abakhulu bezomkhakha wezolimo. Isikhungo sandisa uhlu lwezinsizakalo, ngakho-ke manje abantu bangasebenza ngakho. Kumaklayenti ethu sinikeza izinhlelo ezinenzuzo - izikweletu nemali ekhokhelwa imali.

"Uniastrum Bank"

Isebenzisana nalesi sikhungo, iSberbank. Amabhange-abalingani ngaphandle kwama-ATM amakhomishana aseduzane yonke indawo. "Uniastrum Bank" ifakwe ezizindeni ezinkulu ze-TOP-30 zezwe. Wanikezwa ngokuphindaphindiwe amamaki amahle kakhulu.

Inhlangano iyonke, njengoba isebenza nabantu ngabanye kanye nezinhlangano zomthetho. Kodwa ebaluleke kakhulu - ibhizinisi elincane nelphakathi. Enhlanganweni kunethuba lokubhaliswa kwekhadi lesikweletu noma debit, kanye nomnikelo ezindaweni ezikhangayo.

I-Admiralty Bank

Ungengxenye yamabhange omlingani kaSberbank. Ngaphandle kokukhishwa kwekhomishana kwekhomishini kunikezwa kubasebenzisi bekhadi. Inhlangano isebenza okuningi namakhasimende ezentengiselwano. Kodwa ngabanye banikezwa ngesikweletu, kanye nokubeka imali yabo.

Ukusebenzisa i-ATM

Kukhona amabhange-abalingani bakaSberbank eCrimea. Ngaphandle kwekhomishini, ungakwazi ukuhoxisa izimali kusuka ku-VTB 24. Kungcono kakhulu ukusebenzisa ama-ATM. Kubalulekile ukukhumbula ikhodi ye-PIN, enikezwa ebhange emva kokuvula i-akhawunti. Le nqubo ilula. Udinga ukukhetha isigaba "Ukukhishwa kweCash", faka idatha, hlola, bese uqinisekisa ukusebenza.

Manje eRussia kukhona kokubili i-push-button ne-ATM yenzwa. Kodwa kunoma yikuphi, bangakwazi ukuhoxisa izimali. Amadivaysi awagcini nje ebhange, kodwa nasezikhungweni zezitolo nezokuzijabulisa, izitolo. Amabhange-abalingani abakhokhisi ikhomishini noma bayithatha imali encane.

Ihhovisi le-Cash lebhange

Uma ngesizathu esithile awukwazi ukuhoxisa izimali ezivela ku-ATM, ungafaka isicelo kwihhovisi le-cashier. Kuphela kuleli cala, ngaphandle kwekhadi, kufanele unikeze ipasipoti. Khona-ke udinga ukungena ikhodi. Ngezinye izikhathi kuyadingeka ukuthi usho igama lekhodi elichazwe kwinkontileka lapho uvula i-akhawunti. Uma lolu lwazi lungaziwa, ukukhokhwa kwemali kuyonqatshwa. Inqubo iyashesha kakhulu.

Ukuhoxiswa kwezimali kuhambisana nemingcele. Umkhawulo unqunywe usuku, inyanga. Konke kuxhomeke kuhlobo lwekhadi, ngakho-ke izibalo zingahluka.

Yimaphi amakhadi asetshenziswayo?

Kunezinhlobo ezahlukene zamakhadi okukhokha avunyelwe ngamabhange abalingani. Yilezi:

  • Ukukhokhwa kwezibalo - kubalwa kuphela ngosizo lwezimali zomuntu siqu;
  • Ikhredithi - iklayenti isebenzisa imali ebolekwe ebhange, ibeka umkhawulo.

Lezi zinhlobo zamakhadi zamukelwa kumabhange ozakwethu. Ngabo, ungakwazi ukuhoxisa kalula imali. Ngesikhathi esifanayo, ungasebenzisa kokubili amagatsha ezinhlangano zezimali bese usebenzisa ama-ATM. Futhi, amakhadi okukhokha ahlukaniswe isimo:

  • Igolide;
  • I-Platinum;
  • I-World Black edition.

Ikhadi ngalinye linamakhono alo. Ngoba eziningi zazo amabhonasi zibalwa. Izinhlelo zokukhokha ezithandwayo kakhulu yi-Visa ne-MasterCard. Ngamunye wabo awamukelwa kuphela kwi-Savings Bank, kodwa nakwabalingani. Lokhu kuzosindisa izimali zakho ngaphandle kokukhokhelwa imali ngaphezulu kwamakhomishana.

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