The Tinkoff Black debit card receives the best reviews: users say that it is equipped with modern banking technologies and is convenient to use. Tinkoff offers customers excellent service and participation in bonus programs. Using a TCS debit card allows not only to spend money profitably, but also to accumulate them. In the article, we consider the conditions for its receipt and the package of services provided by the bank with Tinkoff Black. Customer reviews about the card will allow a potential user to form a real idea of ​​it and make the right choice for themselves.
About Tinkoff Bank
Tinkoff Bank is a credit and financial institution that has chosen a non-standard type of customer service for Russia. The fact is that there are no Tinkoff branches throughout the country. Branded ATMs are also absent. How does it work and what is the benefit for users?
Tinkoff was founded as a Wells Fargo bank, which used a remote customer service model. Entrepreneur Oleg Tinkov suggested that this method of work can be implemented in Russia. As a result, Tinkoff Bank was founded. Over 10 years, new products were created, the level of service was improved.
Tinkoff issues debit and credit cards for unsecured loans, provides a large selection of co-branded “plastic”, allows you to make online payments and even arrange a mortgage under the most favorable conditions of other banks. Thanks to Tinkoff products, the user can significantly save on purchases in their favorite stores (Aliexpress, Google Play, Lamoda, Raspberry, eBay, One Two Trip) and purchase tickets at competitive prices.
Terms of receipt
The Tinkoff Black card, reviews of which speak in favor of its acquisition, is issued jointly with two payment systems: MasterCard World or Visa Platinum. The account is opened in rubles, US dollars or euros. The card is valid for three years, after which you can close it or continue cooperation with the bank.
You can issue it without leaving your home. This will require the presence of the Internet and a couple of minutes of free time. At the initial stage, an advantage is already being revealed: you do not need to go to the bank branch and wait for your turn. Of the requirements for a potential client - only the age of majority and the presence of a passport.
To get a Tinkoff Black card, the reviews of which are very positive, you need to follow a few simple steps:
- Go to the official website of the bank www.tinkoff.ru.
- Fill out the form for receiving a Tinkoff Black debit card.
- Wait for a call from a bank employee who will verify the accuracy of the entered data and notify about the timing of receiving the card. She will be delivered to the specified address (to the office, home).
After 1-2 days, the brand new Tinkoff Black will be in the user's hands, after which it will need to be activated by visiting the official website or by dialing the toll-free number 8 800 555 10 10. Using this procedure, the client will find out his PIN code, which is necessary for transactions .
Card cost
One of the main questions about the Tinkoff Black product, which user reviews are attracting more and more new customers, is its price. How much will it cost to get a card and annual card maintenance? The monthly bank commission for a Tinkoff Black card is 99 rubles. Total for the year comes 1,188 rubles.
Receipt and delivery to the specified address are free. In addition, the bank provides the opportunity to issue up to 5 additional cards, for the registration of which you will not have to pay. Most services from Tinkoff are also carried out without additional cash contributions. What do you have to pay for? If desired, the client can activate the SMS-Bank service, with which the card holder is notified of all transactions. This service will cost 39 p., If the account is ruble. On a currency card, the cost will be € 1 or $ 1. Amount is charged monthly.
Free Services
The Tinkoff Black card receives good reviews due to favorable service conditions and high reliability of storage and use of funds. For example, the fee for using a card account can be 99 rubles, or maybe 0 rubles. Subject to certain conditions, the client disposes of the card free of charge. To do this, you need to make a contribution of 30 000 r. (€ 1000, $ 1000) or apply for a loan for the same money.
After registration, the user is automatically provided with the following free services:
- “Internet Banking” - allows you to pay for services via the Internet, set up auto payment, view your account statement;
- "Mobile Bank" - an application for a smartphone, supports almost all platforms;
- informing via SMS-mailing about actions on Tinkoff Black.
Customer reviews of the Tinkoff debit card confirm the high level of service and the availability of many convenient and free services that make use more comfortable and enjoyable.
Funds control
It is important for the user to know how much money is left in the account, where they were spent. In addition, the popularity of paying for utilities, mobile communications and Internet providers using online banking is growing. When applying for a Tinkoff Black card, the client is offered to use the Internet Banking and Mobile Banking services on a free basis.
To activate the online service, you need to go to the official website and go to the “Internet Banking” tab. A page will open with a form to fill in, where you need to enter the card number. After SMS-confirmation, the user independently comes up with a login and password to enter your personal account. Now a bank client can carry out many operations without leaving home. Among them:
- automatic payment of the specified details and amount;
- money transfers to other accounts;
- the opportunity to find out about the existing fines and pay them;
- reporting on used and remaining funds;
- repayment of bills for housing services, loans and more.
An equally convenient program for controlling money on a card is Mobile Bank. This is an application that works with almost any operating system of a smartphone or tablet: “Android”, “Agios”, “Windows”, “Blackberry”. The username and password match the data specified in the Internet Bank.
Tinkoff Black Card: conditions and interest, reviews
When registering a “plastic” payment, future users are interested in any information regarding upcoming income and expenses for maintaining a bank account. What are the costs and benefits awaiting a customer with a Tinkoff Black card? Consider the values ​​in the table:
Tinkoff Black Terms of Service
Card Expenses |
Name of service / operation | Condition | Amount of commission payable |
Account service | Funds in the account less than 30 thousand rubles. ($ 1000, € 1000) | 99 p. per month |
With a balance of 30 thousand p. ($ 1000, € 1000) and more | 0 p. |
Withdraw or withdraw funds | Amount less than 3000 r. | 90 p. |
Amount from 3000 to 150,000 p. | 0 p. |
Amount over 15000 r. | 2% (not less than 90 p.) |
Transfer to a card account of another bank | Not more than 20,000 p. in the billing period | 0 p. |
More than 20,000 p. in the billing period | 1.5% of the amount (at least 30 p.) |
Card replenishment | Via bank transfer | 0 p. |
In cash or from a card account of another bank in the amount of less than 300 thousand rubles. | 0 p. |
Over 300 thousand rubles | 2% of the excess amount |
Card Revenues |
Type of reward | Condition | Interest rate |
Cashback | Any purchases paid with a card, except for communication services, the amounts of replenishment of electronic wallets and payments made through the "Internet Bank" and
"Mobile Bank" | 1% |
For certain categories of goods | 5% |
By special suggestions from Tinkoff partners | Up to 30% |
For cash balance | If the account has up to 300 thousand rubles. and for the billing period * purchases of at least 3000 r. | 8% per annum in rubles (0.5% in foreign currency) |
The amount on the account exceeds 300 thousand rubles. or not made a single purchase | 4% per annum in rubles (0% in foreign currency) |
* The settlement period lasts 1 month and starts from the day the card is activated.
Interest is accrued daily, and income is paid once a month on a Tinkoff Black card. Customers give positive feedback on deposits: the bank has one of the highest interest rates.
Cash withdrawal
Probably everyone who has at least one payment card knows the problem of cashing money. In search of a “native” ATM, precious minutes, and sometimes even hours, are spent. Tinkoff customers do not know such a problem. Despite the fact that, in principle, a Tinkoff ATM does not exist, cardholders easily withdraw money in any other device without thinking about which organization it belongs to. And all because customers have no difference where to cash out: the commission is either not charged at all, or the same everywhere.
When withdrawing the amount from 3000 to 150 000 p. Tinkoff Black user won't pay a dime. If you want to get less than 3 thousand from an ATM, you will have to pay an additional 90 rubles. In the case of larger amounts (from 150 thousand rubles), the commission increases to 2% and remains so until the end of the billing period.
Card replenishment
You can transfer funds to your account in different ways. In order not to pay additional fees, you can use the following methods:
- transfer money from another card of any issuing bank;
- use the services of Tinkoff partners, including Svyaznoy, MTS, Euroset, and Beeline communication salons;
- through payment systems "Qiwi", "WebMoney";
- transfer from another account by bank transfer (other credit and financial organizations for external transfers to the Tinkoff card may charge a fee).
When crediting funds, it is important to remember that the operation is performed free of charge only if the amount of replenishment does not exceed 300 thousand rubles. Otherwise, you will have to pay an additional 2% of the excess.
Learn more about Cashback.
Cashback makes the Tinkoff Black card even more interesting. Customer reviews often mention pleasant bonuses in the form of money, which are returned to the account after the purchase. Saving is always nice, and with Tinkoff it’s not so difficult. The bank pays cashback on a Black card in the amount of:
- 1% - for all purchases * ;
- 5% - for goods from categories selected individually for the client;
- up to 30% - for purchases on special promotions from partners of the bank.
* Cashback is not credited when withdrawing funds and making transfers, paying for services or goods in the “Payments and Transfers” section, replenishing electronic wallets, communications, utility bills and some other operations. See the full list of exceptions on the bank's website .
Cashback is credited at the end of the billing period. You can track the process in the statement, which is provided to the client monthly. For each period, up to 3,000 rubles are returned to the card holder.
About Tinkoff Black Security
The most important characteristic of the bank and its products is the reliability of the storage of funds in the account. Tinkoff Black is one of the safest cards. Several measures have been taken for this:
- a chip that protects the card from copying;
- customizable limits for withdrawing funds and paying for purchases via the Internet;
- 3-D Secure technology for secure online transactions;
- the ability to disable payment for goods and services via the Internet;
- blocking SMS notifications with one-time passwords;
- creating a safe account, which is designed to store funds.
Thus, the Tinkoff Black card is provided with all possible protective measures. User reviews confirm the high level of security and convenience of cash flow control.
Card advantages
Is Tinkoff Black worth making out and what are the advantages that set it apart from other banking products? Consider the main positive aspects of the card:
- simplicity of registration and receipt - without leaving home;
- high level of service and security;
- Convenience of withdrawing funds at any ATM and without commission;
- free services;
- when opening a deposit - interest remuneration and free maintenance;
- support for PayPass / PayWave wireless payment system;
- cashback up to 3000 rubles per month.
For users of Tinkoff Black there is also a referral program. For each customer brought, a reward of 500 rubles is due.
Negative points
Reviews about the Tinkoff Black card are mostly good, but not everyone liked it. The objectives of opening a bank account are different for everyone, and requests for a package of services, too. What are some Tinkoff Black users disappointed with? The main reasons for dissatisfaction with the card are as follows:
- conditions for receiving remuneration for storing funds - someone uses the card only as a deposit, and for 8% per annum you need to make purchases;
- maintenance cost (1200 rubles per year);
- overstated minimum withdrawal amount without commission;
- a large number of conditions and requirements that affect the amount of commissions and remuneration.
Tinkoff Credit Card: User Reviews
Credit cards are a predominant part of the work of Tinkoff Bank. Getting a loan here is easy enough: fill out an online form and wait for the operator to call. Approve it almost always, the bank is not afraid to work with unsecured loans. But this is more than offset by the interest rate, which in reality is more than 40%.
The leader among the credit cards of this bank is Tinkoff Platinum. Customer reviews about her are contradictory. On the one hand, such benefits as cashback (1%), low cost of annual maintenance (590 rubles), and a grace period (55 days) are noted. On the other hand, many users are concerned about the ease of obtaining a loan; they are not happy with the high interest rate from 30 to 45% per annum. Many conditions and exceptions to them spoil the impression, which affect the amount of loan payments.
An interesting option to save and increase money is the Tinkoff Black debit card. Reviews, terms of receipt and use were fully considered in the article. The reader only needs to understand how acceptable the requirements of the bank are, and whether he needs such a payment card. Like any other banking plastic, Tinkoff Black was created for certain purposes - the accumulation and active use of funds. Only when these conditions are met, the card will be beneficial for its owner.