Sberbank sika Social Card. Sberbank: ikhadi yezenhlalakahle ukuze umhlalaphansi

Eminyakeni yamuva, inani labantu abathola of social amakhadi Sberbank eRussia ikhuphuke kakhulu, kanye nempesheni abanikazi bamakhadi. Lokhu osekuzuziwe sibonga umsebenzi esihleliwe isikhungo sezezimali sokubhalisa passbooks izakhamuzi futhi ubambisane PF. Ngaphezu induduzo amakhasimende, lezi zinguquko ziye zaholela ngqo ukwanda engenayo ebhange. Ngemva nokwehlisa emigqeni at ibhokisi amagatsha ehhovisi encishisiwe isihloko phezu zabasebenzi kwabasebenzi eyengeziwe, kanye izindleko zokunyathelisa passbooks amafomu incipha usuku ngalunye oludlulayo.

Ngubani ongathola ikhadi nomphakathi?

Ngokuhambisana isikimu impesheni ye Savings Bank, iklayenti, kuye ngohlobo ukusekelwa ngokwezimali angavulwa, omunye amabalazwe ezimbili kungenzeka: yezenhlalakahle noma Maestro. Okokuqala ikhishelwa abantu abathola impesheni yomhlalaphansi, abasindile 'noma ukukhubazeka. Ngokuphathelene nemibandela kokukhipha yesibili, khona-ke ungathola izakhamuzi ukuba neminyaka engu-14 uma kubhaliswa unomphela endaweni yokubhalisa kanye ilungelo lokuvikelwa kwezenhlalo.

Yini okudingeka ukuvula amakhadi?

Yiqiniso, ukuze niyithole credit card social, kumelwe zisebenze imikhakha izakhamuzi abathola uxhaso lukahulumeni. Ngamanye amazwi, kudingeka ekuqaleni ukudweba impesheni noma ezinye izinkokhelo yokuphepha komphakathi ukuze yesikhwama sempesheni, bese kuphela ukuya egatsheni yasebhange eliseduze. Kufanele kuqashelwe ukuthi kwezinye emizini kwabasebenzi Russian Federation Pension Fund ngokwabo isicelo amacala abo kuya isikhungo sezezimali, futhi ngokuzenzakalelayo ababulawa ikhadi Sberbank nomphakathi. Kodwa nhlanhla lungelona olwawo wonke umuntu, ngakho labo akufakiwe esigabeni "lucky", uzodinga ukusebenza kanzima.

Ngemva kokubhaliswa impesheni umuntu kumele afake isicelo sakhe sasebhange futhi asayine isivumelwano nokubambisana. Ngaphezu kwalokho, izinsuku ezingu-10 zokusebenza, isikhungo sezimali kufanele ukhiphe ikhadi ikhasimende ngezifiso bese ukukukhipha. Kodwa-ke kufanele kuphela ukuba phansi komthetho, kodwa empeleni, le nkathi ephakathi kuka 2 no 4 amaviki. On kungenzeka abasebenzi asebhange wazise ikhasimende ngocingo, kodwa ezinye ungakhathazeki wena nale, ngakho umhlalaphansi kudingeka njalo shayela yasebhange futhi ukubuza mayelana ukutholakala ikhadi.

Ukuhlola isikhathi

Sberbank ikhadi "Maestro social" ikhishwa ukuze iklayenti iminyaka engu-3, njengoba kufakazelwa ulwazi phambi uhlangothi lwalo. Uma iklayenti akuzange ukwaziswa isikhungo sezezimali ukwala ukubambisana, umphumela inkontileka sandisiwe izinyanga ezimbili ngaphambi kosuku lokugcina. Ngakho-ke, ibhange ngokuzenzakalela ukhipha ikhadi elisha kanye ubudala kuyodingeka ukuba sidlule. Ukuze ukusetshenziswa ukhululekile kwezimali ikhasimende ngokwabo kumelwe ulandele evumelekile futhi ifike ngesikhathi xhumana sezimali exchange.

Izinzuzo ikhadi ezengeziwe

Ukuze bathi impesheni - abantu abadala, ogama okunomsoco nezimo zokuphila zidinga induduzo eyengeziwe, mhlawumbe akufanele. Wonke umuntu uyazi ngakho, futhi abasebenzi asebhange nabo bayajabula. Yingakho labo asebamukele ukuba babe ikhadi nezenhlalakahle Savings Bank, ukunikela ukuze uthole enye i-extra. Wasebenzise kahle amathuba ezingxoxo ke kukhona amalungu omkhaya ka impesheni noma umuntu ukwethenjwa ukwenza ukuthenga futhi ukukhokhela izinsizakalo. Isixazululo ikhadi ezengeziwe ikhasimende kufanele azise isikhungo sezezimali njengoba isiqinisekiso ebhaliwe evela isicelo olufanele. Kulo mbhalo, iklayenti kumele icacise hhayi kuphela imininingwane kodwa ikusasa umnikazi idatha.

Ubani ongaba umnikazi ikhadi ezengeziwe

Ngaphansi kwemigomo yohlelo ibhange womphakathi, i umnikazi ikhadi ezengeziwe angaqokelwa ngisho ingane iminyaka engu-10 uba nesihlobo esiseduze salowo impesheni noma ongazethembi. Ephambi kwezinduna iklayenti elincane abameleli esemthethweni (abazali) ngokuhlela umkhiqizo yasebhange kudingeka kwemvume yabo. Nokho, ngemva kokufinyelela umuntu abaneminyaka engu-14 akudingeki isiqinisekiso esinjalo.

Ukuze ulawule indlela ayengakwenza ngokunembile lowo uhlelo ikhadi Sberbank yezenhlalakahle main enikeziwe kwezimo ezithile. Ngakho, ngesicelo owayesethathe umhlala-phansi Ungasetha imikhawulo nyangazonke ukusebenza kwanoma iyiphi imisebenzi. Ukuze wenze lokhu, kudingeka nje nawe ukuba siphendulele egatsheni yasebhange futhi isicelo olufanele ngemadlana ngqo. Ngenxa yalokho, umnikazi ikhadi inketho angasebenzisa kuphela ethile imali, kungakhathaliseki kuba irisidi yemali noma isiphetho imisebenzi ngokusebenzisa esigungwini.

Okumbi zamakhadi nomphakathi kanye lokuchibiyela Savings Bank

Ngaphambi kokuba sihlole amaphutha okuthiwa ukuthi ube ibhange yezenhlalakahle Sberbank ikhadi, udinga ukuba ingenzele incwadi nezinye izici ezimbalwa. Ngokwesibonelo, wonke umuntu uyaqonda ukuthi iningi impesheni bakhetha ukusebenzisa imali futhi abangethembi yisikhungo sezinhlangano eziphambili zezezimali. Abantu kulonyaka nzima ukulungisa nohlobo yesimanje zokuhlala, hhayi kuphela ngenxa eyeqisayo, kodwa futhi ngoba besaba kokuba bekhohliswa futhi abaqondi isimiso wokusebenza kohlelo. Ngakho-ke, ukungabikho CVV2 / CVC2-ikhodi, okuyinto esetshenziswa ukukhomba ikhadi ukuthenga izimpahla kwi-Internet, abaningi angaluboni.

Ngokuqondene ikhadi inkonzo, ensimini ka the Russian Federation wenziwa bonke ATM, cashpoints futhi amagatsha Savings Bank of Russia. Ukushiya phesheya, amakhasimende angawususa kuphela inkampani amabhange kanye ATM zabo, nezinye izinhlangano zezimali imvume imisebenzi enjalo akudingeki.

Enye komkhawulo ukuthi ine njalo ikhadi Sberbank nomphakathi ukuthi asikwazi ukusetshenziselwa ukudluliselwa nezinye izimali. Mark Kuyaphawuleka ukuthi kungenzeka imisebenzi lwemali kazwelonke kwenziwe kwi-akhawunti ikhadi yempesheni, kodwa iningi impesheni zamanje akuyona inkinga.

ngenzuzo engeziwe amakhasimende

Athole imali eyengeziwe bangamalungu uhlelo yempesheni ebhange, lokhu akufanele imali imali khulula. Futhi ekupheleni ngekota ukuze bonke abanezincwadi ikhadi nezenhlalakahle Savings Bank, inzalo izofakwa ku-akhawunti. Esikhathini samanje, 2014, iklayenti yalolu hlelo ngamunye uthola imali ngesilinganiso esingamaphesenti 3.5% ngonyaka esele izimali. Kwabanye, lokhu isilinganiso Kungabonakala sengathi senza okuncane, kodwa ibhange kuvusa hhayi kuphela ukwanda kokusebenza, kodwa futhi ivumela impesheni ukuthola inzuzo encane.

Izikhungo Izimali

Wonke umuntu uyaqonda ukuthi aphuma amabhuku ukonga ekhadini akhawunti hhayi nje ngobe kutawutfutfukisa induduzo izakhamuzi, kodwa futhi ukwandisa inzuzo ebhange. Phela, phambi kwabantu avunyelwe ukuba bame emigqeni emide, kodwa wathola impesheni ngokugcwele. Namuhla, abantu abanale ikhadi nezenhlalakahle Savings Bank, okhokhela hhayi kuphela amasevisi eyengeziwe, kodwa ikhomishini futhi kufihlwe.

Isondlo imali yekhadi eyinhloko uhlelo yebhange impesheni ayitholakali, kodwa omunye unyaka uzobe inani ruble 150 isusiwe. Imali Ikhomishana akabuyisanga njengasezulwini ngezimali akhawunti, futhi ukhipha imali. Nakuba zikhona izici ezithile umehluko wemisindo nemiqondo yamagama, izimo ezinjalo yesevisi izohlala ingashintshiwe uma ikhasimende cashes lemali ku-50 000, kanti kwesinye iKhomishana kuyoba 0.5% ngevolumu ngokweqile.

Enye inkonzo kukhokhelwe uhlelo nezenhlalakahle Savings Bank kuyinto khiphani ikhadi noma update imininingwane yamakhasimende. Yiqiniso, lokhu akusho ukuthi ukhuluma ngani esikhundleni nalehleliwe umkhiqizo ekupheleni kwenkathi ukusetshenziswa, kumayelana kuphela ezimweni iphutha yenethiwekhi. ikhadi Lost noma ushintsho lwezenhlalo base izindleko impesheni ruble 30, isamba ezibonakala zincane. Nokho, uma kubhekwa ukuthi ngenxa yobudala babo, amakhasimende amaningi bangakhohlwa ikhadi i-ATM, noma umane ungakhumbuli ikhodi ye-PIN, bese ngonyaka bayozibuthela lemali ngokwanele ehloniphekile.

Kuzuze abanikazi of amakhadi social

Ukuze ukuheha amakhasimende ngaphezulu, ngayinye legatsha wesifunda Savings Bank izimpawu isivumelwano sokubambisana nge Izitolo ahlukahlukene okudayisa, kamuva ukunikeza impesheni isephulelo semali lapho ngithenga izinto ezidayiswayo. Njengomthetho, ibalazwe nezenhlalakahle Savings Bank of Russia evumela umnikazi ukuthenga izinto ezidingekayo ku 1-12% eshibhile. Thola uhlu izitolo kanye Pharmacy kungaba kokubili endaweni enkampanini yezimali, futhi yiliphi igatsha zesifunda ebhange.

It kudingeka siyinake ngokukhethekile nokuthi wonke amalungu uhlelo kwezenhlalo Ungaxhuma lokuphatha uhlelo akhawunti siqu okuzenzakalelayo "Sberbank Online" noma "Savings Mobile". Komphakathi Ikhadi kwabahola impesheni abakwaziyo ukusebenzisa i-Inthanethi, kuba ithuluzi esisemqoka ekuphileni. Phela, avtoplatezhi for Izinsiza ngeke ukugwema emigqeni eyisicefe at cashier nephumayo amandla kuphela.