"Promsvyazbank": ukudluliselwa kusuka ekhadini kuya ekhadini. Imithetho, izici, ikhomishini

Kusukela ngo-2014, i-PJSC "Promsvyazbank" ikhansele ikhomishini yokudluliselwa kwezimali phakathi kwama-akhawunti. Amaklayenti esikhungo sesikweletu angakhokha izimpahla ezitolo ze-inthanethi, izinsizakalo, athumele imali kuzihlobo ngaphandle kwekhomishana. Imininingwane eyengeziwe mayelana nokuthi ungadlulisela kanjani kusuka ekhadini kuya ekhadini nge-ZAO Promsvyazbank, funda.

Ngomfushane mayelana nensizakalo

Ukuze ukudluliselwa kwezimali phakathi kwama-akhawunti, izikhungo zezikweletu zikhokhisa ikhomishini yama-ruble angu-10. Kuze kube ngu-2%. Ukugcina imali encane kungenzeka uma imali encane ithunyelwa, futhi ukusebenza kwenziwa ngebhange le-intanethi. Ezinye izikhungo zinikeza le nsizakalo ngaphansi kwekhomishini encane. Isibonelo, i-Sberbank yaseRussia iphethe ama-ruble angu-30 ngokudlulisela imali phakathi kwamakhadi emadolobha ahlukene. Okubaluleke kakhulu futhi uhlobo lweplastiki. Ukuthengiselana kumakhadi webhange kungabiza kunamakhadi esikweletu. Kukhona nezinsizakalo ezihlukene ezihlinzeka ngenkonzo yokudlulisa imali phakathi kwamakhadi asebhange kuwo wonke amazwe omhlaba. Ikhomishini ihluka phakathi kuka-1-2%. Uma inani lokukhokha lincane, khona-ke ungakhetha noma yimuphi ophakathi. Kodwa uma sikhuluma ngokudluliswa kwama-ruble ayizinkulungwane eziyishumi. Futhi ngaphezulu, kufanelekile ukuhlola amanani.

Imininingwane Yesevisi

I-CJSC "Promsvyazbank" idluliselwa kusuka ekhadini kuya ekhadini lamakhasimende ayo mahhala. Uma umamukeli enikeze imininingwane yekhadi lesikweletu lesinye isikhungo, umthumeli kumele akhokhe ikhomishini ye-1% (ambalwa rublekhi angu-50) yenani lokuthengiselana. Ikhomishana yokuthengiselana ngamakhadi e-debit kwezinye izikhungo i-1.5% (ubuncane bama-ruble angu-30). Isivinini sokwethengiswa sincike esikhungweni. I-ZAO Promsvyazbank idluliselwa kusuka ekhadini kuya ekhadini ngokushesha. Uma izimali ziya kwezinye izikhungo zezikweletu, inqubo ingahlala izinsuku ezingu-2-4. Ukuthengiswa kwenziwa kuphela kuma-ruble aseRussia.

Izithibelo

I-ZAO Promsvyazbank idluliselwa kusuka ekhadini kuya ekhadini nge-Internet yasebhange ngemali engama-ruble ayizinkulungwane ezingu-70. Ngosuku futhi hhayi ezingaphezu kuka-600 ezinkulungwane ruble. Kwaphela inyanga. Kusukela ku-akhawunti eyodwa kuya kwenye, amakhasimende angadlulisela ku-ruble ayizinkulungwane eziyikhulu. Ngosuku, ungathumela izinkokhelo ezingu-4 - kuphela ngaphakathi kwe-RF. Ukuqinisekiswa kokudluliswa kwenziwa nge-3D-Secure (ukungena iphasiwedi yesikhathi esisodwa).

Ukudluliselwa kwemali kusuka ekhadini kuya ekhadini "Promsvyazbank"

Ukufeza ukuthengiselana, udinga ukuya esigabeni "se-Akhawunti" ekhasini eliyinhloko lewebhusayithi yebhange, bese ungene "Ukudluliselwa kusuka ekhadini kuya ekhadini le-intanethi". Ngendlela ekhethekile, faka inombolo yekhadi lomthumeli nomamukeli, ukufaneleka kwepulasitiki, ikhodi yokuphepha, futhi ucacise inani le-transaction. Isinyathelo esilandelayo ukuqinisekisa ukufaneleka kwedatha nokuqinisekisa ukukhokha.

Uhlelo lokusebenza lweselula

Kuhlelo olusha lwe-PSB-Mobile, amakhasimende "we-Promsvyazbank" athole ithuba lokudlulisa izimali ngaphandle kokugunyazwa. Ukufaka isicelo, mane uchofoze isinqamuleli ekhasini lokuqala. Lapha ungabona ulwazi mayelana nenombolo yamaphoyinti aqoqwe, thola isitatimende se-akhawunti. Amabhonasi atholakalayo angasetshenziswa ekukhokhweni kwezinsizakalo zebhange, abalingani, futhi aguqulwe abe yimali. Uhlelo lokusebenza luyatholakala mahhala ku-Apple Store naku-Google Play izitolo ze-intanethi.

Ukuqhathanisa

Ukudluliselwa kusuka ekhadini elithi "Promsvyazbank" ekhadini le-Savings Bank likhokhwa ngesilinganiso esingu-1.5% (ubuncane obuncane bama-ruble angu-30). Ezinye izikhungo zezikweletu zikhokhisa ikhomishana enkulu:

• "Vanguard" - 1% (okungenani ama-ruble angu-30).
• VTB24 - 1.25% (okungenani ama-ruble angu-30).
• I-Instabank - 1.3% (okungenani ama-ruble ama-50).
• Raiffeisenbank, Uralsky, SMP, iSvyaz-Bank - 1.5% (okungenani ama-ruble angu-50).
• "Isikweleti saseKhaya" - ama-ruble angu-100. Kungakhathaliseki inani.

Ungathumela nge "Promsvyazbank" ukudluliselwa ekhadini le- Savings Bank. Ikhomishini izoba yi-1.5% (okungenani ama-ruble angu-30). I-ZAO i-Alfa-Bank inkokhelo engu-1.95% yokusebenza okufanayo (okungenani ama-ruble angu-30), kanye ne-Russian Standard CJSC - 1.9% (ama-ruble ambalwa angu-50).

Kumakhomishana wezinsizakalo ezingekho ebhange ashibhile. Isikhungo sokutshala izimali sikhipha ukudluliselwa kwe-0.5% yenani (amancane ruble ayishumi). Amanani afanayo eF FC Otkrytie. Uma inani lokukhokha lidlula ama-ruble ayizinkulungwane ezingu-50, imali yenkonzo izoba yi-ruble engama-250. Ngakho ukudluliselwa kusuka ekhadini kuya ekhadini elithi "Promsvyazbank" akubizi.

I-VMT, i-MCMS

Izinsizakalo zezinhlelo zokukhokha zamazwe ngamazwe Ukudluliswa Kwezimali Kwe-Visa, i-MasterCard MoneySend ikuvumela ukuba wenze imisebenzi ngaphandle kokufaka imininingwane eyengeziwe. Ukucubungula ukukhokha kuthatha emaminithi ambalwa kuya kwezinsuku ezingu-5. Ungathumela ukudluliswa kusuka ku-ZAO "Promsvyazbank" kusuka ekhadini kuya ekhadini. Ikhomishana izoba yi-1.5%. Ku-VMT, i-MCMS izokhokha ama-ruble angu-2% + angu-20. Inkinga yesibili ukuthi akuzona zonke izikhungo zezikweletu ezixhunyiwe kulezi zinsizakalo eRussia: Sberbank, Svyaznoy, TKS, BRS, MDM.

Ukudluliswa kwezimali

Ungadlulisa imali kusuka ku- akhawunti yakho kuya ku-akhawunti ngaphakathi ebhange elifanayo ngqo kusuka ku-ATM noma ukuphela. Ukuqedela ukuthengiselana, iklayenti imane ingene inombolo ye-akhawunti yomamukeli nomthumeli, ucacise inani bese uthumela ama-banknote kumamukeli wesikweletu.

Ngaphandle

Izinhlangano zezikweletu zenza amasevisi ekusetshenzisweni kokuthengiselana nge-Smartphones. Okulula kunazo zonke yizo ezisebenza ngaphandle kokubhalisa kwangaphambili. Okusho ukuthi ukudluliselwa kungathunyelwa ngokucacisa imininingwane yomamukeli.

Ngokukhethekile kule njongo, i-Tinkoff Bank, i-Alfa-Bank kanye neBhange laseMoscow lakhiqiza isicelo se-O! Pp. Imali yezinsizakalo yi-0.5-5.9% (kuye ngokuthi uhlobo lwekhadi). "I-Bank yaseMoscow" yandisa ngokwengeziwe ukusebenza kwesicelo esiphezulu segama elifanayo. Manje amakhasimende angadlulisa izimali ngenombolo yocingo, iphrofayli kwinethiwekhi yomphakathi kanye nekheli le-imeyili. Imali yensizakalo iyi-1.5%. Ngosuku awukwazi ukwenza okungaphezu kwezinkokhelo ezintathu zemali engadluli ama-ruble angu-45 000 ngesikhathi. Izinkokhelo ezifanayo zinikezwa kwisihlomelo se "Tinkoff Bank". Inani eliphakeme lilinganiselwe kuma-ruble angu-75,000.

Izinsiza ze-inthanethi

Ungakhohlwa ngezinhlelo zokusebenza zeselula "Yandex.Money" ne "Money.ua." Abaxhumanisi bakhokha u-1.9% no-1.3%, ngokulandelana. Ukuthengiselana kwenziwa nge-ruble phakathi kweVisa ne-MasterCard.

Ngokwenkonzo ngokusebenzisa ikhadi leCard2card, amakhasimende aseBenki eMoscow ayokhokha ama-1.5%, i-Alfa-Bank - 5.9%, i-Russian Standard - 1.9%, i-Tinkoff Bank - 1.5%. I-Sberbank inikeza le nsizakalo kubasebenzisi ababhalisiwe kuphela. Ukuthengiselana kwenziwa ngamakhadi ezinhlelo zokukhokha zamazwe angaphandle amabhange aseRussia namanye amazwe. Ubude obukhulu bokusebenza yizinsuku ezingu-5. Amaklayenti ase Cussia Standard CJSC angadlulisela izimali ngokusebenzisa i-Unistream kumazinga esikhungo sesikweletu. Ukuze usebenzise isevisi yokudlulisela ngokushesha i-MasterCard yamakhadi angakwazi ngqo ngokusebenzisa indawo yesistimu. Kodwa le nketho iyatholakala kuphela kubasebenzisi ababhalisiwe.

Uhlelo lokukhokha lwe-QIWI, olusebenza kuwo wonke amazwe e-CIS, lukhokhisa ama-ruble angu-2% + angu-40 ngokudluliselwa kusuka eRussia kuya phesheya. Amakhasimende enkonzo eyodwa "ye-Wallet" yokusebenza okufanayo kufanele akhokhe 2.9% (ama-ruble ambalwa angu-50). Imali ethembekile kakhulu evela ku-RBK-Money. Uma inani lokudluliswa lingadluli ama-ruble ayizinkulungwane ezingu-10. Ngenyanga, ukuthengiselana kukhululekile. Kwezinye izimo kuzodingeka ukhokhe 2.95%. Abasebenzisi abhalisiwe kuphela bangasebenzisa isevisi.

Kuphi okuzuzisa kakhulu?

Amabhange anikezela ngezinsizakalo zokudluliselwa kwezimali ngo-1-2% wemali. Ikhomishini yezinsizakalo ze-Inthanethi iphakeme futhi isilinganiso 2-3%. Uma inani lokudlulisa lincane noma iklayenti alikwazi ukulinda isikhathi eside, kufanelekile ukuthumela izimali ngokusebenzisa izinhlelo zokukhokha zamazwe ngamazwe. Enye indlela ukusebenzisa ikhadi le-Sberbank. Ikhomishana yokuthengiselana i-1% kuphela, imisebenzi iqhutshwa ngokushesha - kusukela emaminithini ambalwa kuya kwehora elilodwa. Labo abangakabi nebalazwe yalesi sikhungo bangase bazame ukwenza ukudluliselwa kwemali kubasebenzi behhovisi.