Makhadi a Sberbank: mitundu ndi mtengo wa misonkhano (chithunzi)

Makhadi a banki adalandiridwa ku msika posachedwapa - pakati pa zaka za m'ma 2000. Ngakhale zili choncho, akhala chinthu chotchuka kwambiri chifukwa cha chitonthozo chimene amapatsa wosuta. Panthawi imodzimodziyo, khadi ndi njira yobwezera komanso chida choonetsetsa kuti ndalama zanu zikupulumuka. Ngakhale pulasitiki yabedwa kapena yatayika, simungathe kudandaula za ndalama zanu pa akaunti - ingotsekani khadilo.

Banki iliyonse ili ndi makadi omwe angapereke kwa makasitomala ake. Makamaka kusankha kwakukulu pakati pa omwe amagwiritsa ntchito maofesi monga Sberbank. Pa banki yaikulu ya Russian Federation zisankho zogwiritsa ntchito ndizokulu kwambiri. Choncho, m'nkhani ino tiyang'ana makadi a Sberbank, mitundu ndi mtengo wa ntchito. Mofananamo, tidzayesa kufotokoza chifukwa chake kuli bwino kugwiritsa ntchito izi kapena khadi.

Makhadi a Ngongole

Tiyeni tiyambe ndi njira yotchuka yotenga ngongole monga makadi a ngongole. Imeneyi ndi njira yabwino kwambiri yoperekera ngongole zazing'ono zogula ndalama makamaka pa kugula katundu ndi ntchito. Chiwongolero cha ntchito yawo ndi chosavuta: munthu amapeza ndi malire ena a ngongole (mwachitsanzo, makadi a ngongole a Sberbank, mitundu ndi mtengo wa ntchito zomwe timakambirana m'nkhaniyi, zingakhale ndi malire a ruble zikwi 120 ndi zina). Wokongola akangofuna kugula, amangolipira khadi, chifukwa amapeza ma bonasi ena monga kuchotsera.

Pa khadi, malingana ndi mawu a Bank Savings, wogwiritsa ntchito ayenera kulipira mlingo winawake (mwachitsanzo, 25 peresenti pachaka). Ngati malipiro sakuchitika mu nthawi yomwe yaikidwa pa nthawi imeneyo, chilango chimaperekedwa. Tiyeneranso kukumbukira kuti kuwonjezera pa chidwi chogwiritsira ntchito ndalama za ngongole, wogwiritsa ntchitoyo ayenera kulipira nthawi zonse kuti atumize khadi.

Mitundu ya makadi apadera a ngongole a Sberbank

Makhadi onse a Sberbank, omwe mitundu ndi ndalama zotumikira zimasiyanasiyana malingana ndi mtunduwo, akukonzekera kubweretsa kwa magulu ena a makasitomala. Mwachitsanzo, mapu a "Achinyamata" adakonzedwa kwa omvetsera omwe ali achinyamata. Izi ndi Visa ndi MasterCard (zosakayika) ndi mtengo wogwira wa ruble 750. Kuti muwalandire inu muyenera kutsimikizira ndalama. Kuchuluka kwa ngongole ya ngongole ndi 200,000 rubles, chiwongoladzanja cha chiwongoladzanja ndi 33.9%.

Kwa iwo omwe akufuna kuti alandire ngongole mwamsanga, pali zotchedwa makhadi osungira. Malire awo a ngongole ndi otsika - ndi makombola 120,000 okha, ndipo chiwongoladzanja cha chiwongoladzanja ndi 25.9%. Kuti mupeze izo kuchokera kwa wobwereka pamafunika pasipoti yokha, utumiki ndiufulu.

Makhadi Achikale Achilendo

Inde, mu mndandanda wa banki pali mapu owerengeka. Awa ndi makadi a ngongole, omwe samapereka mavuto ena owonjezera kwa chithandizo - chirichonse chiri chophweka kwambiri. Malipiro a ngongole ndi ruble zikwi 600. Wokongolayo akuyenera kutsimikizira ndalama, mtengo wa utumiki umasiyana ndi ruble 0 mpaka 750 pachaka (zimadalira ngati ndinu kasitomala wokhazikika ku banki kapena ayi). Makhadi achikale a Savings Bank, mitundu ndi mtengo wa ntchito, zithunzi zomwe timapereka, ndi mitundu iwiri - Visa Classic ndi MasterCard Standard. Zonsezi zimapereka, monga momwe ziwonetsedwera pa webusaiti ya banki, malo abwino kwambiri a mautumiki. Pali chilichonse chimene ofuna chithandizo akufuna, ndipo palibe chodabwitsa. Inde, ndipo simukuyenera kulipiritsa.

Makhadi a ngongole a othandizira

Komabe palinso makadi a Savings Bank, mitundu ndi ndalama zothandizira (mayankho omwe amatsimikizira) omwe amasiyana ndi maziko. Awa ndi makadi a othandizira. Pakali pano pali awiri okha - iyi ndi khadi "Patsani Moyo" ndi khadi "Aeroflot". Bungwe loyambalo likukhudza kusamutsidwa kwa ndalama zomwe alandira kuchokera kwa makasitomala kuti athandizidwe ku akaunti za ana odwala. Yachiwiri imaloleza osati kungobwereka ndalama ndi kulipilira kuti agule, koma ndikuphatikizani ma bonus maulendo poyenda padziko lonse mtsogolomu.

Makhadi a debit

Palinso makadi ena a Bank Savings, mitundu ndi ndalama zotumikira zomwe zimasiyana ndi omwe ali ndi ngongole. Ili ndi debit, chomwe chimakhalapo osati kupeza ndalama zobwereka ku banki, koma poika ndalama zawo mu akaunti.

Ubwino wa makadi amenewo ndi ambiri. Choyamba, ndi njira yabwino yolipira. Kotero, mungathe, kutengera ndalama kwa anthu monga malipiro a ntchito kapena katundu, komanso kutenga ndalama mwanjira yomweyo. Chachiwiri, khadilo limakulolani kuti musunge ndalama. Tiyeni tipereke chitsanzo chophweka: ngati mutataya chikwama chanu, zingakhale zopanda nzeru kuyembekezera kuti mutha kubweza ndalama zomwe zatsala kumeneko. Ndiye, ngati mutaya khadi, ingomangani ndi kupeza yatsopano. Chachitatu, makadi a debit ndi mabanki amalola kuti azichulukitsa ndalama. Mabungwe azachuma amalipira kuchuluka kwa ndalama kuti musunge ndalama zanu kwa iwo. Zimasiyana malinga ndi mtundu wa khadi.

Kulipira

Eya, apa pali mitundu yaikulu ya makadi a banki a debit omwe akupezeka ku Sberbank. Gawo loyamba ndilo kulipira, monga Visa / MasterCard Virtual, Prepaid Visa Classic, ndi makhadi yomweyo Momentum. Yoyamba ndi yabwino kumalipira kugula pa intaneti - wofuna kasitomala safunikanso kulandira mu fomu iyi, angagwiritse ntchito pa deta yake; Zomwe zili mu khadi lotero zidzawononga 60 rubles pachaka. Khadi la pulasitiki lolipidwa likutanthawuza kupereka kwa munthu m'malo mwa ndalama. Iye akhoza kulipira izo kwa katundu aliyense mtsogolomu. Ponena za khadi la Momentum, ndi lodziwikiratu kuti linapangidwa mofulumira, ndiko kuti, njira yosavuta.

Mitundu ina

Palinso khadi lachinyamata, 10 peresenti yomwe imakhala ngati ma bonasi ku akaunti yapadera, ndi khadi lachikhalidwe la anthu ogwidwa pantchito. Zomalizazi zili ndi zina. Makhadi oterowo a Sberbank (mitundu ndi mtengo wa ntchito kwa okalamba amasiyana) amapereka zinthu zotsatirazi. Utumikiwu ndiufulu. Pa khadi n'zotheka kuchotsa ndalama zapenshoni mosavuta. Kuphatikiza apo, banki imapereka 3.5% pachaka kwa ndalama zomwe zili pa akaunti.

Kumbukirani kuti makadi onse a Sberbank (mitundu ya makadi yomwe inatulutsidwa, mawu a chiphaso) akufotokozedwa mwatsatanetsatane pa webusaitiyi, choncho mutha kupeza zambiri zowonjezera.

Ndikufuna kuti ndizindikire makadi apamwamba. Izi ndi Visa Classic ndi MasterCard Standard (monga momwe ziliri ndi credit card). Mtengo wawo ndi wapatali - ruble 750 pachaka. Mwinanso, Visa Electron (yomwe imapezeka kupezerapo Sberbank khadi) ikhoza kukhala njira ina. Mitundu ndi mtengo wa utumiki wa Visa Electron ndi awa: Pali khadi imodzi (palibe chosankha chokha); Kusungirako kuli wotchipa - mabasiketi 300 basi. Kwa ndalama izi, wogwiritsa ntchito amalandira thandizo la mabanki.

Potsiriza, timayang'ana ndi makadi olemekezeka kwa ogwiritsa ntchito ntchito. Izi ndi Gold ndi Platinum kuchokera ku Visa ndi Mastercard. Kukonzekera kwawo kumawononga rubles 3 mpaka 15,000 pachaka, chifukwa mankhwalawa apita patsogolo (chitetezo cha kugula, inshuwalansi, chithandizo kudziko lina ndi zina zotero).