So, today we will be interested in the Tinkoff virtual card. This is a completely new opportunity that not all banks in Russia can boast of. She will help make payments without any problems. All that is required of you is the availability of a virtual card. And nothing more. A very convenient opportunity that many Tinkoff Bank customers try to use. But what does she give? How to get such a thing? What is your impression of customers using this opportunity?
Description
What is a Tinkoff virtual bank card? This question worries those who are interested in the proposal of the organization. It is always important to understand what you will be dealing with. This virtual card is the most common banking plastic. Only in virtual mode. We can say that this is a debit card from Tinkoff Bank with all the details and data, only in a virtual format. To use it, you only need to have a mobile Internet connection.
The only thing incomprehensible to many: how is payment for purchases made. The Tinkoff virtual card (registered, they are all like that) does not have a so-called reverse side. More precisely, contacts that facilitate the reading of information in the store. How then to pay? This process is not as difficult as it seems. After all, new technologies are used to pay for goods.
Contactless payment
Thinking how to use the Tinkoff virtual card? First you need to order it, and then activate it. But more on this later. Most often, customers are interested in how payments are made. After all, there are no contacts for reading information in this virtual plastic.
In fact, this is not necessary at all. After all, this card provides for contactless payment using NFC technologies. Please note that this process has so far been launched only in test mode in Russia. For this, the card does not receive the best customer reviews. It is highly likely that you will not be able to pay her in a particular store.
Using it is not difficult. In order for the data to be read, it is necessary to touch the payment terminal with a mobile phone, on which the Tinkoff virtual card will be previously opened. Nothing more. Payment is confirmed by your personal signature on the check.
Pay for online purchases
What opportunities does Tinkoff provide its customers with a virtual card? There are a lot of them. Customers first try to find out how much this “plastic” is convenient and practical before starting it. The first thing you can do is make purchases on the Internet in just a few clicks. You can easily pay in almost every online store for one or another thing. Only your card number and expiration date will be required. More precisely, the end date. This is the first opportunity the product offers. Users are satisfied with this. Indeed, with the virtual Tinkoff card, you can pay for purchases everywhere: in real life and on the Internet.
Real purchases
The main purpose of this opportunity from Tinkoff Bank is to pay for any purchases you make using NFC technology. She is currently only being tested. That is, the Tinkoff virtual card can be used as a regular debit “plastic”, but with its own characteristics. She has no specific destinations. Despite the fact that a card is created in the virtual world, it is used quite successfully in the real one.
There are disadvantages to this method of payment for acquisitions. For example, NFC technology is not yet supported at all retail outlets. And that means that you will have to pay with such a card only in certain places. You can find out if the institution has a contactless payment system by the PayPass inscription at the entrance or payment terminal. For this reason, the Tinkoff virtual card does not receive the best reviews. But do not forget that the technology so far works exclusively in test mode. Over time, it will be possible to pay everywhere in a non-contact way. In the meantime, you have to endure some inconvenience.
Account replenishment
The Tinkoff virtual card (bank) allows you to easily perform any actions with finances that plastic has. Paying for purchases is far from the only destination. In addition, you have the full right to transfer money to a friend’s account, to request loans from friends, as well as to replenish the balance of accounts on social networks.
All these are quite ordinary functions of a familiar real bank card. Unless you can’t ask for loans, and on social networks, replenishment is made in an intricate way. And to carry out such tasks, the Tinkoff virtual card provides an extremely simple and quick algorithm of actions.
For example, to replenish someone’s account, it’s enough to know the phone number, address of the page belonging to the recipient, or his email. Nothing difficult. Make a function request, enter the necessary data and wait. Soon the funds will be debited from the virtual account, they will be transferred to your friend. Very comfortably! Now it is not necessary to know the bank details of the transfer recipients! It is enough to have data on pages on social networks, email and mobile phone of the person to whom you want to transfer funds!
Payment of housing and communal services
Another opportunity the Tinkoff card is endowed with is the payment of housing and communal services. Now, through the Internet, without real banking “plastic,” you have every right to pay bills and receipts for electricity, water, gas, the Internet, and so on. So far, the Tinkoff virtual card is not so often used for such an undertaking. At the moment, such experiments by customers are not too often arranged.
Much more often payment is made to housing and communal services by ordinary bank plastics. But those who have already tried to take advantage of the virtual opportunities offered by Tinkoff Bank are satisfied. All payments made on the Internet have no complaints. You are able to use the Tinkoff virtual card without any fear. Payments will definitely reach the payee. There is no reason to panic.
Interaction with e-wallets
Another pleasant and pleasing moment is that this card can be tied to any virtual wallets without any problems. For example, to WebMoney or the Yandex.Money service. Here is such a multifunctional virtual Tinkoff card. It can also be linked to PayPal without any problems.
How exactly does this process go? Users often admire its simplicity. It is enough to enter the data from the card (number, your initials, expiration date) in the window for linking bank "plastic" to the electronic wallet, and then confirm the process. Now you can easily carry out operations between your Tinkoff card and electronic payment system. Easy and simple. Customers are satisfied with the work.
Mobile wallet
How to get a virtual card from Tinkoff Bank? To do this, you need to have an Internet wallet from this organization. It will serve as a kind of score, which will then be attached to the "plastic". That’s why sometimes you can find the name “virtual Tinkoff Mobile card. After all, you won’t succeed without an electronic wallet. Therefore, you will have to register it first. To do this, go to the Tinkoff Mobile official website and then type in the appropriate registration field your mobile phone. You will receive a message on it to activate the wallet. Fill in after all the information about yourself requested by the system, then confirm the actions. Now you have a mobile wallet, which will be required later in.
What's next? Now you are waiting for another process that earns only positive user opinions. Registration of a Tinkoff (virtual) card takes just a few taps. After you start a mobile wallet, you should receive an offer to issue cards from the bank. Find the Tinkoff Mobile there and continue with your clearance. Fill in the field “Name on your bank card”, then click on “Send request”. Just a few minutes of waiting - and the card is issued. It remains only to activate it for future use.
About card activation
But how to do that? The Tinkoff virtual card receives mixed reviews for its activation. Some say that it is very convenient to carry out this process, while others say the opposite. In any case, you have to implement the idea. Otherwise, you will not be able to use the Tinkoff Mobile card for contactless payment of purchases.
Activation takes place through account replenishment. This is where the problems begin for those who do not have any bank cards. After all, you will have to replenish the account in this case through the payment terminal. They are all located outside the house. This is not too convenient. But if you have a card of any bank, you can replenish it with it. It is quite simple to make a transfer on the Internet using the virtual “plastic” number. As soon as the first money is received, it will be possible to use Tinkoff Mobile (card) without any problems! For this product reviews are left positive. Ease of activation is very pleasing to customers.
Getting rid of the card
Didn't you like Tinkoff Mobile? Then you can get rid of her. But how to remove the Tinkoff virtual card? This is not so easy. After all, initially a virtual card is tied to your mobile wallet. And to remove it just like that, bank employees cannot. It turns out that you have to act a little differently. To refuse the Tinkoff virtual card, you will need to remove the mobile wallet from this bank. There is no other way to abandon the virtual “plastic”. At the moment, this is not provided by the system, which greatly upsets customers. You can just wait until the card expires, and then just not release it again. Not too fast, but an existing option.
Tinkoff Mobile is removed only after you have a zero balance in your account. First you have to spend everything that is in the mobile bank and on the card. Or transfer money somewhere. As soon as the balance on Tinkoff Mobile is zero, go to the system settings and look for the “Reset” item there. It will either have the words “Delete Card” or “Delete Wallet”. Click on the appropriate function, then enter the operation confirmation code. Done!
Underwater rocks
Virtual card Tinkoff. Mobile Wallet ”has a number of its features. For them, this service does not receive very good customer reviews. It has already been said that contactless technology is a new feature that works in test mode. So, there are still flaws in it. The first and most important minus is that not all stores can pay with this card. Only some organizations now provide NFC-calculation. Not very convenient.
Further, from the disadvantages, it can be distinguished that some problems may occur during removal. So far, getting rid of the Tinkoff virtual card without refusing a mobile wallet does not work. This is very problematic. This alignment upsets customers. So far, you can use a virtual card not on all smartphones, but only on those that have NFC support. The operating systems that Tinkoff Bank works with are Android and Windows Phone. It is planned to introduce support for phones with iOS.
But the rest of the card is very good. It allows you to use all the features of a regular Tinkoff debit card, does not require payment for maintenance and reissue. If you carry out operations up to 40,000 rubles, you will not be charged a commission. One pluses! Should I have a Tinkoff virtual card? If you are not afraid of the need to find a store with PayPass support, you can safely use this product. He leaves no one indifferent!