Iyiphi ikhadi lempesheni yepensheni yeplastiki engcono kakhulu?

Namuhla, amabhange anikezela ngamakhadi amaningi omphakathi. Bangakwazi ukugcina ama-scholarships, izinzuzo, izimpesheni, inzalo yokudlulisela kwidiphozi. Kudingekile kuphela ukuthi ungahambisani nezimo ezihlongozwayo ukuze ukhethe ibhange elihle kakhulu lokusebenzela.

Ikhadi lezenhlalo

Lo mkhiqizo webhange wawuhloselwe ukwamukela nokugcina izinzuzo ezihlukahlukene zenhlalakahle: izifundo, izimpesheni, izinzuzo. Kodwa namuhla imisebenzi yalesi thuluzi lokukhokha ihamba ngaphezu kwezinga elijwayelekile. Ikhadi lebhange lesempesheni lifaka esikhundleni somnikazi wayo ngenqubomgomo ye-MHI, idokhumenti yokuhamba nensimbi yokukhokha. Ukubekwa kwezithombe ngemuva kwepulasitiki kubonisa ukuthi esikhathini esizayo esiseduze kuzothatha isitifiketi sezempesheni izakhamuzi.

Umhlobiso

Ikhadi lesipesheni likhishwa ngesisekelo sesicelo esibhaliwe seklayenti esinikeze isitifiketi sepasipoti nesitifiketi somhlalaphansi. Ngokuvamile izinhlelo ezinjalo zisebenzisa amakhadi ashibhile - i-Electron, i-Cirrus, i-Maestro. Ukukhululwa nokugcinwa kwepulasitiki kukhululekile. Ikhadi isebenza iminyaka emithathu. Ungathola ikhadi lempesheni ehhovisi ngokushesha ngemuva kokusayina inkontileka. Lokhu akuyona ipulasitiki yomuntu siqu, ngakho ngeke kube isikhathi eside ukulinda ukukhululwa kwayo. Izinsizakalo ze-SMS-ukukwazisa kanye ne-inthanethi zingekho mahhala. Nge-banking ye-intanethi, noma yiziphi izinkokhelo zenziwa: ekugcwaliseni ifoni ukukhokha izinhlawulo nezinsiza.

Kwezinye izimo, ikhadi lebhange lesempesheni lisetshenziselwa i-akhawunti lapho kudluliselwa khona izimali zekhredithi. Kodwa akuwona wonke amabhange ahlinzeka ngemali engaphezu kwemali kulezi zinsimbi zokukhokha. Ukugcinwa kwamakhadi omphakathi ngokuvamile kugcinwe izikhungo ezinkulu zezezimali. Imali engenayo kulo mkhakha ingaba amaphesenti amaningana enzuzo. Kodwa isizathu esiyinhloko esenza amabhange azama ukukhonza amaphrojekthi omphakathi ukuthi lokhu kuqondiswa kuletha imali encane kodwa eqinile, kwandisa ukwethenjwa kwabaqondisi esikhungweni sezimali.

Ikhomishana ayikhokhiswa ngokukhipha izimali ezivela "kuma-ATM" asemdabu. Kodwa kukhona imikhawulo yangaphakathi yezikweletu zemali. Isibonelo, eSberbank, umkhawulo wansuku zonke yi-ruble ayizinkulungwane ezingu-50. Ukuze uhoxise ku-akhawunti imali enkulu kumele ukhokhe u-0.5%.

Amakhadi asempesheni asebhange alayisha abasebenzi, anciphisa izindleko zesevisi yamakhasimende, ukukhishwa kwamabhuku futhi ukwandisa inzuzo kuma-akhawunti ngokusebenzisa izinsizakalo zezenhlalakahle zomphakathi.

Ungakhetha kanjani ibhange?

Ukwamukela imali kwi-akhawunti kwenziwa ngaphandle kwekhomishana. Kodwa lo mthetho usebenza kuphela ezinkokhelweni zenhlalakahle. Ukuze ukudluliselwa kwemali phakathi kwabantu kuzothengiswa kakade ikhomishini. Lezi zimo zifanayo kuwo wonke amabhange. Ngakho-ke, lapho ukhetha umxhumanisi wezimali, umuntu kufanele aqondiswe ezinye izindlela.

Okokuqala, ikhadi kufanele livulelwe i-akhawunti lapho kudluliselwa khona inkokhelo yenhlalakahle. Uma kungenjalo, ukuthola impesheni, kuzodingeka ume emgqeni egatsheni lasebhange. Inkinga efanayo ibhekene nabantu abathola izinkokhelo ngePost of Russia.

Okwesibili, kubaluleke kakhulu ukuthi amakhadi angeziwe angakhishwa kwi-akhawunti. Uma ikhadi lempesheni lisetshenziselwa "umkhumbi ovamile", wonke amalungu omndeni kufanele abe nokufinyelela kwezimali. Kulesi simo, ikhadi elilodwa lizoba lincane.

Okwesithathu, kufanele ucele kusengaphambili inani lama-ATM edolobheni. Akukho mqondo ekwenzeni ithuluzi lokukhokha ebhange elikhulu, uma kungekho ATM zesikhungo sesikweletu noma abalingani bayo edolobheni lakho. Ukukhokhwa kwezimali okungezona ukheshi kunoma yikuphi okuzoba khona mahhala. Kodwa ukuhoxiswa kwezimali kuzodingeka ukhokhe ikhomishini.

Uma ukukhokhelwa kwezenhlalakahle kungasetshenziswanga ngokushesha, kepha kuqoqwe ku-akhawunti, kunengqondo ukubuza ubukhulu besilinganiso senzalo kubhalansi lwezimali. Amabhange amaningi anikezela le nsizakalo. Kodwa kuncike ekulungiseni inani elithile ku-akhawunti okungenani inyanga.

Imigomo Nemibandela yeSberbank

Ikhadi lesempesheni likaSberbank linikeza abanike ithuba lokuthola okungenani 3.5% ngokulingana kwezimali zabo siqu. Ngesicelo sekhasimende, ungakwazi ukukhipha ipulasitiki eyengeziwe ngama-ruble angu-150 futhi ukhokhe imali eningi yokugcinwa kwonyaka. Uma ukuvimbela ikhodi ye-PIN noma ukulahlekelwa ikhadi, kuzodingeka ukhokhe ama-ruble angu-30.

Awukwazi ukungena ebhange nge-intanethi ngaphandle kokuxhuma i-SMS kuqala. Iphasiwedi yokugunyaza nokuqedela konke ukuthengiswa ithunyelwa ngesimo somlayezo we-SMS. Ngemva kokubhalisa, okokuqala ungena ngemvume, udinga ukushintsha iphasiwedi. Ngemva kwalokho, ungaphatha i-akhawunti lapho ikhadi lempesheni lixhunyiwe khona. Inzalo ikhokhiswa kubhalansi lwezimali ezizimele ku-akhawunti ngesilinganiso se-3.5% ngonyaka. Inkokhelo yenziwa kanye ngonyaka.

Amakhadi ezempesheni zomphakathi anezinselele ezimbili ezinkulu. Zisebenza kuphela kuma-ATM ezinkampani zangaphandle. Okusho ukuthi, ngeke ukwazi ukuhamba phesheya ngensimbi enjalo yokukhokha.

Amaphakheji wenkonzo

Ikhadi lePensheni le-Savings Bank lingasetshenziswa ngokulandela enye yezinhlelo ezinjalo zamanani ezikhokhelwayo: "Okugcwele" ne "Economical". Esikhathini sokuqala, umsebenzi ngamunye kufanele uqinisekiswe ngephasiwedi yesikhathi esisodwa, okuzofika ngesimo somlayezo we-SMS enombolweni ecacisiwe. Kuzohlanganisa yonke imininingwane mayelana nokugeleza kwemali ku-akhawunti. Ukubhaliswa nyangazonke kungama-ruble angu-30. Iphakheji "Economics" ayinikezeli ukwazisa amakhasimende mayelana nemisebenzi eyenziwe, kodwa imilayezo enekhodi ye-3D eyadingeka ukuze kuqinisekiswe ukusebenza kuyokwamukelwa.

Ibhange laseMoscow

Ngaphezu kweSberbank, i-social "plastic" iveza ezinye izikhungo ezimbalwa ezweni. Ikhadi lesempesheni eBhange laseMoscow likhishwa izinsuku ezingu-10. Ngosizo lweVisa Electron, ungabamba iqhaza ezinhlelweni zendalini yezimpahla, ukunakekelwa kwezokwelapha, ukuthola izinzuzo zokuhamba emgwaqweni, ezokuthutha komhlaba kanye nasitimeleni.

Izimpesheni zingase zingathathi inqubomgomo yezokwelapha lapho zivakashela esibhedlela. Yonke idatha yabo isivele isemakhadini. Abanikazi bepulasitiki bangathola imali ebolekwa nge-overdraft ezinyangeni ezingu-2.5 ngesamba esiphezulu se-98% semali yesilinganiso sempesheni bese beyibuyisela kuzo zonke izinkokhelo ezingenayo.

Rosselkhozbank

Lesi sikhungo sesikweletu sikhipha ikhadi lezwe le-MasterCard lamahhala ngokushesha lapho livakashela igatsha. I-7% ngonyaka ikhokhiswa kubhalansi lwezimali ku-akhawunti. Ungakwazi ukuhoxisa imali nge-ATM ye-Promsvyazbank ne-Alfa-Bank. Umnikazi uyaziswa ngokubhaliswa kwezimali ku-akhawunti ngesimo somlayezo we-SMS.

Njengengxenye yephakheji le-"Pension", kuhlelwe ukukhipha amakhadi angeziwe ayisishiyagalombili ohlelweni lokukhokha kwendawo noma MasterCard Worldwide. Abahlanganyeli ohlelweni bangaba izakhamuzi zaseRussia ezithola impesheni noma ezinye izinzuzo zomphakathi. I-akhawunti ivulwa ngama-ruble aseRussia.

«I-BANK ACTIVE»

Ikhadi lesempesheni yalesi sikhungo lingasetshenziswa ukuthola izinkokhelo kusuka (hhayi) ku-state FIU. Ibhalansi yokulondoloza izokwenziwa njalo ngenyanga ngo-5%. Ulwazi lokuthola izimali kubanikazi be-akhawunti zithola nge-SMS-izaziso. Izindleko zesevisi yi-ruble angu-30. Ngenyanga. Ungakwazi ukulahla izimali ngehora, ukukhokhela izimpahla ezitolo zokuthengisa kanye ne-intanethi. Ungakwazi ukuhoxisa imali ngaphandle kwekhomishini kuphela kuma-ATM "asekhaya".

Okunye okunikezwayo emakethe

Ikhadi lesipesheni le "Khanty-Mansiysk Bank" lenza abanikazi baqoqe imali engaphezulu kwezingu-4% ngonyaka ngokulingana kwezimali. Ngokuqondile ngama-ATM ungakwazi ukukhokhela izinsizakusebenza nezinsiza zokuxhumana, izintela.

Abanikazi bepulasitiki yezenhlalo "PrivatBank" bathola ibhalansi ye-akhawunti, engaphezu kwama-ruble ayizigidi ezingu-3., 7% ngonyaka, kodwa ngokukhipha imali nge-cashier, kufanele ukhokhe u-1%. Ikhadi lingakhishwa kuphela egatsheni lapho kuboniswa ipasipoti, isitifikedi sesempesheni kanye nesitifiketi esivela emzimbeni wokuvikelwa komphakathi.

Isiphetho

Ikhadi lomhlalaphansi elihle kakhulu umuntu ngamunye uzikhethela lona. Inombolo yamabhange okukhonza emakethe incane, kodwa izimo zomunye ngamunye ziyafana. Ukuvula, ukugcinwa kwe-akhawunti, ukudluliselwa kwezinzuzo zenhlalakahle njalo kukhululekile. Kodwa ngolwazi olusheshayo kuzo zonke ukunyakaza ku-akhawunti, ukuxhumana kwamakhadi angeziwe kuzodingeka ukhokhe ikhomishana.