*** A minute of useful ads that no one ordered, for which no one paid me, but you and I can get some pretty nice bonuses ***
Tinkoff Bank already has more than 16 million clients (which, by the way, is 11% of the Russian population, including children).
I am sure that the Tinkoff Black card will be useful to everyone, no matter what other banks you use. I'll tell you why.
Until now, many use the services of only one bank (usually Sberbank) and believe that if they start another penalty, they will need to "go to another bank." This is a big misconception. Don't "put all your eggs in one basket". It is better that there are at least two banks, and preferably three (remember, I am simultaneously a client of fourteen banks).
If something happens to the card of one bank (I'm not talking about global incidents, simple enough failures that regularly occur with many banks, in which transfers do not work), the card of another jar.
Ideally, all cards should be free (with free issue, free service and no additional paid services). Map
Tinkoff black This can be done: her issue is already free, service can be made free of charge in one of two ways: open a deposit in the amount of 50,000 rubles or more or switch to a free tariff, which is worse than the main one only in that there is no interest on the balance for an amount of up to 100,000 rubles, paid SMS informing is possible disable.If you have your main card in another bank, it is convenient to use a Tinkoff card in the following cases:
1. Payment for purchases with 5% cashback (every month it is proposed to choose three categories in which there will be such a cashback, if the purchase is in one of these categories, why not use it);
2. Payment for purchases with a cashback of up to 30% (Tinkoff constantly has promotions in certain stores and networks where the cashback can be quite large. If you buy in one of these stores - it's a sin not to use it. :)
3. Payment for purchases with 1% cashback (if your main bank does not give any cashback, 1% is better than nothing);
4. Cash withdrawal. With a Tinkoff Black card, you can withdraw money without commission at ATMs of any banks (at least 3,000 rubles. and up to 100,000 per month), and at Tinkoff ATMs, which are available at every MCC station, in most shopping centers and in many Perekrestok stores, up to 500,000 per month. You can transfer money to a Tinkoff Black card from any bank without a commission through the SBP system. Thus, if you need to withdraw money, for example, from a Sberbank card, and next to only an ATM, for example, Alfabank, you simply throw money from the Sberbank application to Tinkoff through the SBP and immediately withdraw it from an ATM Alpha. Get exactly as much as you sent without paying anyone a penny.
5. Money transfer. The Tinkoff Black card is convenient to use to transfer money to cards of any banks. This can be done both through the SBP and from card to card (up to 20,000 rubles per month without commission), if the dense recipient does not have reception via SBP enabled (for Sberbank clients it must be turned on forcibly).
6. Cash acceptance. Sometimes the task is to "put" cash on the card of some bank, the branches of which are far away, and if there is an ATM nearby, it cannot accept money. We put cash on a Tinkoff card through a Tinkoff ATM, MKB or Eleksnet terminals and transfer it to the desired bank from the application.
7. Payment for any services without commission. Tinkoff allows you to pay for housing and communal services, any services, and even transfer money to any account according to the details (interbank transfer), and all this without commissions.
8. Keeping money. It is not at all necessary to store large amounts on the card (however, it is not dangerous either, since you can establish limits on the amount of transactions per month), directly in the application or on the website, you can open a deposit or accumulative check. Of course, in both cases, interest will be charged, even if the card is switched to a free plan.
9. Currency exchange. In the application, you can open accounts in 30 currencies (from Swiss francs to Chinese yuan). During business hours on weekdays (when the exchange is open), the exchange is made at good rates, which are almost always more profitable than at currency exchange offices. At Tinkoff ATMs, you can withdraw dollars and euros and deposit them.
10. Switching the card to other currencies. The card can be linked to any of the foreign currency accounts. It is very convenient both when traveling to other countries, as well as for purchases abroad - transactions will be carried out in the currency to which the card is linked without any conversion.
11. You can issue additional cards to the main card for free, including MIR, on which various promotions are often held. You can set your own limits for each additional card. This allows you to give additional cards to children by setting small limits.
Tinkoff Bank recently celebrated its 15th anniversary. By this date, a film was made about the history of the bank. I watched it with interest, although it is a little delayed.
https://www.youtube.com/watch? v = VP89lLy9V7o
I have been using the Tinkoff Black card for over six years now and although I have many other cards, I use the Tinkoff app much more often than others. If you still do not have such a card, I recommend getting one. It is really convenient and profitable.
I would be grateful if you would issue a card using my link: www.tinkoff.ru/sl/40002qRxU2b. In this case, you will not only receive a useful card, but also support my projects (the bonus will be spent on equipment and tools for tests, as well as on light bulbs, batteries and devices for tests). And one more link to all Tinkoff products (there are cards, insurance, mobile communications, deposits and loans, for each of them you will have different bonuses): www.tinkoff.ru/sl/9sW8WFehhKJ.
© 2021, Alexey Nadezhin
For eleven years I have been writing every day about technology, discounts, places of interest and events. Read my blog on the site ammo1.ru, v LJ, Zen, Mirtesen, Telegram.
My projects:
Lamptest.ru. I test LED lamps and help figure out which ones are good and which are not so good.
Elerus.ru. I collect information about domestic electronic devices for personal use and share it.
You can contact me in Telegram @ ammo1 and by mail [email protected].