Bank Tinkoff has another promotion - by the end of the year, new customers are given 10% per annum.
Interest on ruble deposits and savings accounts is now very small. The same Tinkoff sent a letter today that from October 29 the interest rate on ruble savings accounts will be reduced to 3%.
The promotion allows at least two months to receive decent interest on savings of up to 300,000 rubles on the card (2,500 rubles per month for an amount of 300,000 rubles).
It is not dangerous to keep that kind of money on the card, since any limits can be set on it (for example, it is forbidden to withdraw money from ATMs, and to pay no more than 10,000 rubles per month).
In addition to 10%, they give three months of free service, and after their end, the service can be made free forever: write to the support chat in the application and ask to transfer the card to a free tariff 6.2. In this case, the card will lose interest on the balance with an amount of up to 100 thousand rubles, but it will become free without any conditions.
Another option for the card free of charge: to keep at least 50,000 rubles in the deposit or accounts.
You can order a card following the link: https://www.tinkoff.ru/sl/K4CEwToFG7. I will also receive a bonus for this and will also be given 10% by the end of the year.
Let me remind you of other advantages of the Tinkoff card.
I adhere to a simple principle: I do not pay banks anything (neither for issuing cards, nor for service, nor interest on loans), banks pay me (cashbacks, interest on deposits and accounts).
The Tinkoff card is good in that it allows you to do a lot for free, get cashbacks for purchases, make purchases in 30 currencies without conversion, store different currencies on accounts and exchange them at a profit course.
The card is issued free of charge, it is brought home or to the office. In addition, you can order additional cards of different systems, this is also free. Now, using the Mir card, you can pay for trips in the Moscow metro with a discount of 10 rubles (34 rubles per trip), especially for this you can issue additional Tinkoff Black Mir cards.
You can withdraw money from Tinkoff cards without commission at ATMs of any banks (at least 3,000 rubles. and up to 100,000 per month).
You can transfer money to these cards from cards of other banks (including Sberbank) and this is also no commission.
From these cards, you can transfer money without commission to cards of any banks in various ways: up to 20,000 rubles per month by card number, up to a million (if I am not mistaken) by phone number (SBP).
Interbank transfers are also free.
From the Tinkoff application or Internet bank, you can pay utility bills (including rare and exotic, for example, Tinkoff knows even the details of my little country house SNT, in which there are only a hundred plots).
And for any purchases, 1% cashback is credited with "real money" and 5% for three categories, which change every month. Now I have a 5% cashback for pharmacies, taxis and movies.
In addition, there are increased cashbacks in certain stores, for example, 10% in Samsung branded stores, 3% in MTS stores, 7% in Four Paws stores.
In addition, you can open accounts in any currencies from thirty (from Swiss francs to Chinese yuan). These accounts can be replenished from a card and other ruble accounts, and during business hours on weekdays (when the exchange is open), the exchange is made at favorable rates.
The card can be switched to any currency account and it will immediately turn into a currency one. So, when I traveled to Singapore in the winter, I bought Singapore dollars in the application before the trip and switched the card to this currency. It is cheaper to pay for purchases abroad with such a card than with a ruble card with conversion for each operation.
I use the map Tinkoff black for more than five years, and during this time almost all of my relatives have somehow gradually acquired the same cards. If you still don't have such a card, I recommend getting one. It is really convenient and profitable.
P.S. I continue to be ill with covid. There is still no temperature, yesterday I started to smell a little bit and it pleases. General health as with a moderate cold, but chest aches.
© 2020, Alexey Nadezhin
For ten years I have been writing every day about technology, discounts, places of interest and events. Read my blog on the site ammo1.ru, in LJ, Zen, Mirtesen.
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].