IzimaliAmabhange

Ikhadi laseBhange elinemali yokubuyisela emuva kanye nesithakazelo ebhalansi: ukubuka konke okunikezwayo okuhle kakhulu

Kuze kube manje , amakhadi asebhange ayadingeka kakhulu. Kungaba ngukukhishwa nokukhishwa kwemali. Ngamunye wabo unikeza amathuba akhe. Ikhadi lasebhange elinama-cashback linamathuba alo. Zinikezelwa ukukhipha amabhange ahlukahlukene.

Kuyini?

Amabhange endaweni enokuncintisana kakhulu anika amakhasimende inzuzo enkulu. Ukuheha abantu abasha, izikhungo zezezimali zinikeza isevisi ye-cashback. Kuhlanganisa ukubuyisela imali yokuthenga. Kodwa kwenzeka kanjani? Ikhadi ngalinye enhlanganweni, iphesenti yokubuyiselwa kokuthengiselana okungewona ukheshi.

Ngemuva kokukhokha izimpahla noma amasevisi, iklayenti ithola iphesenti ku-akhawunti yakhe. Amanye amabhange adlulisela izimali ngokushesha, kanti abanye badlulisela kubo ngosuku lokubika. Kuvela ukuthi ikhasimende lithenga izimpahla ngesaphulelo. E-Russia, noma yiliphi ikhadi lebhange elinemali yokubuyisela imali ngendlela efanayo nakwamanye amazwe.

Izici

Ukuthenga ekhadini lebhange elinemali yokubuyisela imali kuyasiza kakhulu uma ubenza njalo. Kwanele ukuqapha ukuziphatha kwamasheya. Izimali zomthengi zingabuyiselwa kusuka ekuthengeni ku:

  • Izikhungo zokuthenga;
  • Izitolo ze-inthanethi;
  • Amahhovisi e-inthanethi.

Amabhange anikezela nge-cashback ngendlela:

  • Amabhonasi, okuvumela ukukhokha kubalingani;
  • AmaRubles adluliselwe ku-akhawunti;
  • Amama ukukhokhela indiza noma amathikithi okuqeqesha.

Ikhadi lasebhange elinama-cashback lifana nekhadi lesikweletu elijwayelekile. Kulula kakhulu ukuyisebenzisa. Iklayenti idinga kuphela ukuqapha amasheya enhlangano. Izikhungo zezimali zivame ukusebenzisana nezitolo zokuthenga futhi zinikeze izaphulelo ngezimpahla. Amakhasimende angakwazi ukulawula ukubalwa kwamabhonasi. Ukubuyekezwa kwamakhadi asebhange nge-cashback kuzokuvumela ukhethe ukhetho olwamukelekile kakhulu.

I-Tinkoff Bank

Lena enye yamabhange amakhulu kakhulu. Isici ukuthola imikhiqizo yasebhange ngamakhasimende kude. Le nkampani ayinawo amahhovisi, futhi zonke izinhlelo zokusebenza zicutshungulwa nge-intanethi. Ikhadi lingalawulwa ngemizuzu embalwa, ngeposi.

"I-Tinkoff Bank" inikeza amakhadi angu-12 we-debit nge-cashback. Ngamunye wabo unamabhonasi ayo. Izinzuzo ezingcono ngekhadi elimnyama le-Tinkoff. Kunezinhlobo ezingu-3 zokukhuthazwa:

  • 5% - ukuthenga ezitolo ze-intanethi;
  • 1% - ukuthenga okuvamile;
  • I-3-30% isaphulelo ekuthengeni oku-intanethi.

Inkonzo yonyaka yabiza ama-ruble angu-99. Futhi uma inani lediphozi lingaphansi kwama-ruble ayizinkulungwane ezingu-30, le nsizakalo mahhala. Ayikho imali yezaziso ze-SMS. Inzalo ithola ibhalansi: 7% (i-akhawunti ye-ruble) no-0.5% (imali yangaphandle). Leli khadi lasebhange elinemali enhle ye-cashback. Kudingekile kuphela ukuqapha ukutholakala kwamasheya kanye neziphakamiso.

I-Alfa-Bank

Inhlangano ibhange eliphelele elihlinzeka ngamasevisi ahlukahlukene. Kunama-debit angama-43. Lokhu kuhlukahluka kuvumela iklayenti ngalinye ukuba likhethe into efanelekayo. Isicelo singakhishwa ngokusebenzisa iwebhusayithi. Wonke amakhadi anebhonasi yokuthengiswa okungewona ukheshi.

Ukuqaphela okukhethekile kumele kuhokhwe kumkhiqizo Cash Bach. Ngalo, umsebenzisi uthola:

  • 10% - kusukela ekuthengeni esiteshini segesi;
  • 5% - ukukhokhelwa ku-cafe;
  • Kuze kube ngu-15% - izaphulelo ngamasheya.

Izinga eliphansi lokubuyela ngenyanga alidluli ama-ruble angu-5 000. Inkonzo yonyaka ibiza ama-ruble angu-1,200. Isaziso se-SMS sinikezwa mahhala. I-7% idalwe kubhalansi ye-akhawunti. Abasebenzisi bekhadi bathola ukufinyelela ku-Alfa-Clicks, okungenzeka bakhokhele izinsizakalo, vula i-akhawunti eyengeziwe futhi udlulise izimali. Thola izimpendulo zemibuzo oyithandayo kuhlelo lokusekela. Leli khadi lebhange elinenzuzo elinemali ye-cashback kanye nesithakazelo ebhalansi.

"I-Rocket Bank"

Inhlangano ingenye yamabhange okuqala, okwakhiwe njengesipho esikahle samaselula esikuvumela ukuthi usebenzise imikhiqizo yezimali. Ngo-2016, i-"Rocket Bank" yathengwa ebhange "Otkrytie".

Ayikho imikhiqizo eminingi yasebhange enikezwayo. Kodwa kukhona ikhadi lokudonswa "I-Discover-Rocket", esivele idumile phakathi kwabantu ngenxa yezinzuzo zayo. Ngokuthenga ngakunye, kufika ku-10% kubuyiselwa ku-akhawunti, futhi akunandaba ukuthi yisiphi isitolo esithengiwe. Ukukhokhela ukugcinwa kwansuku zonke akudingekile, futhi isaziso se-SMS sibiza ama-ruble angu-50 ngenyanga. Ibhalansi ikhokhiswa ngo-8% ngonyaka. Akubona bonke abantu abangawamukela ikhadi elinjalo, ngoba bahanjiswa kuphela kwamanye amadolobha amakhulu.

Sberbank

I-Bank Savings ingenye yezinkulu kakhulu. Ubhekwa njengomholi emkhakheni webhange. Le nkampani inamagatsha amaningi emhlabeni wonke, inani elikhulu lamakhasimende, isevisi elula kanye nenkonzo yekhwalithi. Amakhasimende anemikhiqizo ehlukahlukene yebhange nezimo ezikhangayo.

Ikhadi ngalinye lasebhange elinemali e-backback evela eSberbank linesimo esihlukile nemibandela. Kunezinhlinzeko ezingu-10 ngokuphelele. I-Platinum Visa ikhadi ivumela amakhasimende ukuba ajabulele izinzuzo eziningi. Amabhonasi anikezwa ngesimo esithi "Siyabonga":

  • 10% - ukukhokha eziteshini zegesi;
  • Amasevisi angu-10% we- "Yandex.Taxi";
  • 5% - amathilomu nezindawo zokudlela;
  • 1,5% - izitolo ezinkulu;
  • 0,5% - enye ukuthenga.

Isevisi yonyaka ibiza ama-ruble angu-4 990. Awudingi ukukhokha isaziso se-SMS. Ayikho isevisi yokubala inzalo ebhalansi. Amabhonasi adluliselwa ukuthenga ngalunye. Ungakhokha amabhonasi kusuka kubalingani. Ngaphansi kwesivumelwano, ibhonasi engu-1 i-ruble.

"Ukuthola"

Ibhange liye lasebenza kusukela ngo-1995. Kuphela ngo-2016, amakhasimende akwazi ukusebenzisa amakhadi ane-cashbacks. Umkhiqizo wasebhange unegama elithi "I-Smart card". Noma ubani angayifaka isicelo kude. Izinzuzo ezilandelayo zinikezwa:

  • 10% - ngemikhiqizo yokukhangisa;
  • 1,5% - ukuthengwa kusuka kuma-ruble ayizinkulungwane ezingu-30;
  • I-1% - ukuthenga kuze kufike kuma-ruble ayizinkulungwane ezingu-30.

Uma ikhadi lebhange elinama-cashback lisetshenzisiwe ngenkuthalo noma lisetshenziswe ngaphezu kwezinkulungwane ezingu-30 ngenyanga, akudingekile ukuba ukhokhele ukugcinwa kwonyaka. Uma kungenjalo, imali yenkonzo izoba yi-ruble angu-299 ngenyanga. I-SMS-isaziso ibiza ama-ruble angu-59 ngenyanga, 7.5% ikhokhiswa ibhalansi. Lo mkhiqizo webhange ulungile kulabo abenza ukuthenga okuningi. Ungakwazi ukuhoxisa ukheshi imali eyi-rubles ayizinkulungwane ezingu-150 ngenyanga.

Binbank

Inhlangano ibilokhu isebenza iminyaka engu-23. Amakhasimende angasebenzisa uhlelo lwe-"Binbonus" lobuqotho. Ibhange lebhizinisi linikeza ikhadi lebhange elinemali yokuthenga imali. Ungayilawula ku-intanethi. Ukubuyiselwa okungu-5% kwezimpahla namasevisi wesigaba esithile no-1% kokunye ukuthenga.

Inkonzo yonyaka idinga ama-ruble angu-450 ngenyanga, kodwa uma ukhokha unyaka ngokushesha, ama-ruble angu-4 500. Akukho okuzokhokha ngeke kudingeke ukuba nesabhalansi yansuku zonke yama-ruble ayizinkulungwane eziyikhulu. Azikho izimali zezaziso ze-SMC. Uma okusele kuvela kuma-ruble ayizinkulungwane ezingu-750, khona-ke u-2% ukhokhiswa, futhi imali encane - 6%.

Promsvyazbank

Ibhange elikhulu elinenethiwekhi yegatsha elithuthukile. Isevisi yokuhweba ibhizinisi isetshenziselwe ukusebenza kusukela ngo-2005. Amakhasimende anikezwa ngekhadi Lonke Elihlanganisiwe. Kukhokhiswa:

  • 5% - okwenziwe ngamafutha eziteshini zegesi;
  • 5% - ngezingubo nezicathulo;
  • 5% - amathikithi;
  • 5% - izimpahla zendlu;
  • 3% - izimpahla ezitolo ezinkulu.

Isikhathi esingaphezulu kwenyanga singabuyisa ama-ruble ayizinkulungwane ezingu-1. Inkonzo yonyaka ibiza ama-ruble angu-1,500 ngonyaka. Esikhathini esizayo, ngeke kube khona inkokhelo, uma esikhathini esedlule ibhalansi yayingama-ruble ayizinkulungwane ezingu-50. Imali ye-SMS-isaziso ngenyanga inyanga ezingu-29. Inzalo ebhalansi ayitholakali.

"Ummbila"

Ikhadi lesikweletu likhishwe ngu-OOO RNKO, futhi ummemezeli ngu-Euroset. Eplastiki kukhona ama-logos amabili: "I-Golden Crown" ne-Master Card. Ikhadi ikuvumela ukuba wenze izinkokhelo ezihlukahlukene, wenze ukudluliselwa, uthenge imali.

Uma ukhokha izimpahla nezinsizakalo, ikhasimende likhokhiswe u-0.5-3% lentengo yokuthenga. Amaphuzu ebhonasi athola, futhi angasetshenziswa ekuthengeni ku-Euroset, kanye nabalingani. Isondlo sonyaka kanye nesaziso se-SMS mahhala. Kungenzeka ukuthola inzalo ebhalansi - 10% (nge-balance of rubles ezingaphezu kuka-30 000) no-7% (ngaphansi kuka-30 000).

"Ixhunyiwe"

Le nkampani inikeza amakhasimende ikhadi elivamile elinesevisi ye-cashback. Amaphuzu anikezwe ukuthenga ngalunye. Ngemuva kokukhishwa ikhadi, amabhonasi angu-200 anikezwa njengesipho. Ukuthenga, amaphuzu angama-20 adluliselwa.

Umsebenzi wonyaka wekhadi elijwayelekile ubiza ama-ruble angu-600, kanye nama-ruble angu-300. I-SMS-isaziso ngenyanga engu-1 ayinayo imali, futhi - ama-ruble angu-50. Ikhadi likhokhiswe u-10% ngonyaka, uma ibhalansi engunaphakade ilingana nama-ruble ayizinkulungwane ezingu-10. Ungakhokha amaphuzu avela kubalingani, phakathi kwazo kunezitolo eziningi ezahlukahlukene.

Raiffeisen Bank

Ikhadi lokudonsa ithuluzi lokukhokha elilula elikuvumela ukuthi uthole ama-izaphulelo. Ngalo ungathola ukuthola imali futhi ubambe iqhaza ekukhusheni. Ungakwazi ukukhipha ikhadi "YONKE-TIME", okuzoba lula kakhulu ukusebenzisa.

Ukuthenga amaphuzu kunikezwa: 1 ibhonasi yama-ruble angu-50 noma angu-100. Ngosuku lokuzalwa kuza nezinye amaphuzu angu-500. Umkhawulo ngonyaka unamabhonasi ayizinkulungwane ezingu-40. Umsebenzi wonyaka ubiza ama-ruble angu-1 490, futhi isaziso se-SMS sidinga ama-ruble angu-60 kusukela ngenyanga yesithathu. Ayikho isithakazelo esikhwameni ebhalansi.

I-Megafon

Ikhadi le-Bank "Megaphone" elinama-cashback nakuba livele kungekudala, kodwa seluvele lifunwa. Izinzuzo eziningi zinikezwa ngazo. Umthamo wefoni ufana nokulinganisela kwekhadi. Ngalo mali ungakwazi ukukhokhela izimpahla namasevisi. Ibhalansi ikhokhiswa ngo-8% ngonyaka. Ukuze uthole imali engenayo, kudingeka wenze okungenani ukusebenza okulodwa ngenyanga.

Ukukhokha okuvela kubalingani bakaMegafon kufinyelela ku-50%. Ikhadi ikhishwe ngosuku lokukhalaza. Udinga nje ukuxhumana neSalon of Communications. Ukubhaliswa kuthatha imizuzu engu-10-15. Ungafaka amakhadi amaningana kwi-akhawunti eyodwa.

Ngaphambi kokwenza ikhadi, udinga ukukhetha umkhiqizo ofanele. Kubalulekile ukunaka imali emuva. Ngokuvamile amabhange adlulisela ngendlela yama-bonuses, amamayela, amaphuzu. Ngakho-ke, kuqala udinga ukuthola ukuthi yikuphi okuzokhokhiswa nokuthi uzosetshenziswa kanjani.

Ukukhokha akunikeziwe ngawo wonke ukuthenga, kodwa ngokuthenga ezitolo zomlingani. Uhlu lwabo lungatholakala kwiwebhusayithi yebhange. Kuphela ngale ndlela yokwelashwa ungenza inzuzo. Ibhange ngalinye linikezela ukushintshanisa amaphuzu okuthize okuthile, isibonelo isaphulelo, ama-ruble wangempela, amasevisi. Izikhungo eziningi zikhokha imali yesondlo. Uma ikhadi lingavamile ukusetshenziswa, khona-ke imali ephansi kufanele ikhethwe.

Ukulinganisa kwamakhadi ebhange nge-cashback kuzokuvumela ukuba ukhethe ukhetho olwamukelekayo kakhulu kuwe. Ukubambisana okunjalo kuzuzisa bonke: umsebenzisi uthola amabhonasi, ibhange - ukukhokha ukusetshenziswa kwezinsizakalo, kanye nabalingani - amakhasimende amasha. Ngakho-ke, uma izimo zithandekayo, ungenza ikhadi lebhange.

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