On the occasion of my anniversary, Tinkoff Bank sent congratulations, all sorts of discounts and a clever link. I've written more than once about the benefits of the Tinkoff Black card and how to make it free. But I don't seem to write about currency exchange and multicurrency, I'm correcting myself. :)
Now I constantly use six cards from five different banks (and I have more than 25 cards in total) and I am sure that regardless of which bank card you receive your salary on, get a Tinkoff debit card worth it.
I adhere to a simple principle: I pay nothing to banks (neither for issuing cards, nor for servicing, 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 without commission (including rare and exotic, for example, Tinkoff even knows 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.
The Tinkoff Black debit card has only one significant drawback - in order for it to be free you need store at least 50,000 rubles on a card, accounts or deposits, but there is a way to make it completely free without conditions. To do this, after receiving the card, you need to 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.
But this does not mean at all that you will not be able to receive interest on the balance. In the Tinkoff application, you can open a savings account, the amount of which will be charged 3.14% per annum, and money from it can be transferred to the card and back at any time.
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 carried out 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 winter, I bought Singapore dollars in the application and switched the card to this currency before the trip. It is cheaper to pay for purchases abroad with such a card than with a ruble card with conversion for each operation.
I almost forgot that very tricky link that was sent to me: https://t.co/zaDH12WOSW.
If you order a card using this link, I will receive my "gift" for my birthday, which will go to support my projects, you will also receive a welcome bonus.
I have been using the Tinkoff Black card for more than five years, and during this time almost all of my relatives have gradually acquired the same cards. If you still don't have such a card, I recommend getting one. It is really convenient and profitable.
© 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].