Today, there are quite a few banks both in Russia and around the world. And not everyone knows how to choose the best one with more suitable conditions.
Only by becoming acquainted with the history, reputation, services and banking products, you can judge a financial institution as such. This article will talk about Tinkoff Bank JSC, or rather, about one of its areas of activity - debit cards. In addition, from the article you will learn how to use them, and how to open or close card accounts.
New Generation Bank
But first, get acquainted with the bank itself.
Tinkoff Bank is the first such financial institution to completely abandon its service branches. All interaction takes place via the Internet.
This allows you to serve more than 4 million customers throughout Russia around the clock. That is, the client does not need to be asked to leave work or study and go to the bank’s representative office to complete operations.
Just go to the bank’s website at any time of the day or night. Thanks to this, this financial institution positions itself as a bank without queues.
Support for cards works around the clock, there is also the possibility of conducting operations through online banking and by phone. Tinkoff debit cards, reviews of which you will find in the article, can be used in terminals around the world, which is very convenient for frequent trips abroad.
In addition, the bank provides lending services and is an insurance agent. This is quite enough to provide a wide range of services, working in a virtual network.
Judging by the reviews, today Tinkoff Bank's debit and credit card, as well as its insurance services are at a fairly high level.
A wide range of debit cards
So, let's go directly to the deposit cards themselves, which the bank offers.
There are seven types of debit cards that can be issued via the Internet in a few minutes:
Tinkoff Black.
OneTwoTrip.
AliExpress.
Lamoda.
eBay.
Svyaznoy-Club.
Mitsubishi.
Next, we will familiarize ourselves with the conditions of each of them in more detail.
Tinkoff black
Tinkoff Black is a debit card that is intended primarily for people who value their time and prefer to earn their own money.
Card service will be free, provided that the card account has amounts from 30 thousand rubles, 1 thousand US dollars or 1 thousand euros. In other cases, you will have to pay 99 rubles, 3 US dollars or 3 Euros per month for a card.
Every month, the bank charges 8% per annum on the card account balance if it is at the level of up to 500 thousand rubles, and more than 4%. Of course, the card can also be opened in currency, but in this case only 0.5% per annum will be charged on the balance.
The reviews indicate a positive point that these debit cards have with interest on the balance - funds can be withdrawn from the savings account at any time without loss of interest.
Is it a lot or a little? If you have opened a card in rubles and conduct monthly transactions worth up to 10 thousand rubles, and also have an account balance of 40 thousand rubles, then for a year without doing anything, you will earn 5,480 rubles.
This is not all that Tinkoff Bank has prepared for its customers. A debit card of this kind literally makes money itself. How is this possible? From each purchase, except for replenishment of the account and payments through Internet banking, 1% of the funds spent is returned to the card.
Move on. To date, you can return up to 5% of payments to the cinema, pharmacies and payment of fines of the traffic police. These conditions will last until December of this year inclusive. For what the bank “pays” you - you can constantly monitor it on the site.
And if you have connected special offers from partners of the bank, then up to 30% of purchases of certain goods in their stores will be returned to your card.
It doesn't matter which ATM
Tinkoff Bank will save your time. The Black debit card will help you not to spend precious minutes searching for the right ATM. You can withdraw in absolutely any one without commissions, provided the transaction amount is from 3000 thousand rubles. or 100 y. e.
In addition, to replenish the card is also not difficult. Send money to it from other cards of any banks via the Internet for free, Tinkoff Bank does not charge any commission for this.
Visa payWave and Mastercard paypass contactless payment technologies are also supported, which allows you to make purchases simply by bringing your debit card to the terminal.
Convenience of maintaining a personal budget
They say that to save money, first of all, you need to start making a budget in which your financial flows will be displayed. Debit cards with interest on the remainder of the "Black" include the option of automatically maintaining a special journal.
All your purchases and expenses will be distributed by computer into the specified categories. And to save money, you can set a specific limit for each section.
If you don’t want to spend money on servicing the Tinkoff Black debit card, make any deposit. For all deposit holders, this card is issued and serviced for free.
High level web banking
Since Tinkoff Bank is a financial institution that is “located” only in the virtual world, the requirements for Internet banking are particularly high. After all, the client cannot contact the branch at the place of residence with their payments, transfers and questions.
Bank employees fully understand this and have created a really convenient service, judging by the reviews. Clients confirm that using it you can carry out any operations with your cards, generate reports on cash flows not only on a computer, but also on a mobile phone. That is, the bank is always at hand.
What do you need to open a card?
It is enough to go to the site, fill out the questionnaire and follow the further steps indicated on the resource. Roughly filling out all the information takes about 5 minutes.
A new card will arrive to you in 2 days, according to the statement of the company employees.
OneTwoTrip
If you like to travel a lot and use, or want to use the services of the OneTwoTrip service, then such a Tinkoff Bank debit card will come in handy. The conditions that are provided to its owners, we consider further.
If the card contains an amount of more than 30 thousand rubles, then the monthly service will be 0 rubles, in other cases - 99 rubles. per month.
The main advantage is the exclusive bonus program, which allows not only to accumulate funds for travel, but also to earn a good rest both abroad and within the Russian Federation. How does this happen?
For each purchase of something with this card, the bank credits 1% of bonuses. In addition, there are other bonuses for using the card.
If you pay by card with hotel services or airline tickets, you will receive the following bonuses:
Hotels - 7%, flights - 3%, if payment is made through the OneTwoTrip smartphone application.
Hotels - 5%, flights - 2%, through the OneTwoTrip web resource.
Thus, you can simultaneously travel and earn bonuses, which, again, spend on new tickets.
In addition, as in the Tinkoff Black card, the following is accrued on the cash balance: 8% if the balance is below 500 thousand rubles, and 4% are provided for amounts over 500 thousand rubles. Free withdrawals worth more than 3 thousand rubles will allow you to profitably withdraw money anywhere in the world without unnecessary overpayment.
Not sure how to top up a Tinkoff Bank debit card of this type or any other? On the bank’s website you can find thousands of points using a visual card where you can quickly and free of charge replenish your card account and, accordingly, the card itself.
OneTwoTrip is similar to the previous one in that it has Visa and Mastercard instant payment technologies, as well as modern and convenient online banking.
AliExpress
This Tinkoff debit card, the conditions and interest for which are described below, is the result of cooperation between the bank and a well-known trading platform. AliExpress is positioning itself as the largest virtual store in Russia. It is not surprising that the bank chose it for cooperation.
If you have an AliExpress card with you and make purchases with it, 1% of the amount spent is returned to your account. In the case of purchases, it is on the website of the above online store that 2% will be returned to the card. Judging by the reviews, cardholders like this a lot.
Tinkoff Bank endowed the AliExpress card with a savings account, Internet banking and the same payment terms as in the previous two cards.
Lamoda
Do you like to be fashionably and beautifully dressed? Tinkoff Bank offers you the maximum benefit from this. You just need to go to the website of this financial institution and apply for a Lamoda card, which is access to receive a large number of bonuses from the same partner of the bank, which is one of the most successful men's and women's clothing stores.
What bonuses are we talking about?
For any purchase in the specified online store, the bank will transfer 2% of the cost of things to you. And if you want to get the maximum benefit, then take part in special offers from a clothing store. In this case, as much as 30% of bonuses will be credited to your card.
Even if you do not make such purchases regularly, you will receive 1% bonuses from any card transactions related to the payment of various goods or services.
This is a Tinkoff debit card, which can be withdrawn with no fees for a transaction amount of 3 thousand rubles or more. in any ATM in the world, has the remaining conditions as the previous cards.
eBay
As you have already noticed, Tinkoff Bank prefers to cooperate with major players in the field of online trading. And I could not do without such a large representative like eBay.
A special Tinkoff debit card, the conditions for which are given below, is designed specifically for fans to make purchases in this online store. The Tinkoff Bank eBay card will also save and earn money on online purchases. The conditions are the same as for the previous cards, but for each purchase you will receive points:
2% for any purchases on the Internet (only in the eBay store);
30% for participation in special offers from bank partners;
1% for any other card purchases.
All bonuses that you receive can be converted into real money at the rate of 1 point = 1 ruble and make a purchase in the eBay store. To do this, you need to collect a minimum of 2000 such points.
Open a debit card of Tinkoff Bank eBay in the same way as others - just give 5 minutes. your free time and go to the bank’s website.
Other conditions on the card are similar to other debit cards.
Svyaznoy-Club
Overseas, a system has long been developed for a long time, in which various shops and organizations are combined into single clubs to increase their income and customer interest.
It cannot be said that such a system is only emerging in Russia, but it has not yet been developed.
Tinkoff Bank and Svyaznoy-Club offer to issue an appropriate card, which will allow you to make profitable purchases and receive bonuses in the stores - partners of the program.
When buying goods in affiliate stores, owners of such a card will be able to receive 14% of bonuses in the form of so-called pluses. Any other purchase will give 1% of the benefits.
Considering that 1 plus = 1 ruble discounts, having such a card with you becomes really profitable. You can find out which stores are partners of the program on the website of Tinkoff Bank, as well as Svyaznoy-Club.
Just like other Tinkoff Bank cards, you will receive 8% or 4% of the balance in your account, depending on the cash balance on it. Modern Internet banking and free withdrawals at all ATMs in the world are also present.
Mitsubishi
If you own a car from a brand with the world-famous Mitsubishi, then you are very lucky. A Tinkoff debit card has been created, the conditions and percentages of which will be found out later for the owners of these Japanese cars.
Each payment for goods or services at gas stations, as well as car washes, brings the cardholder 2% of the amount of transactions in the form of bonuses. For any other purchases, 1% of bonuses are awarded.
All accumulated bonuses can be exchanged at the rate of 1 bonus = 1 ruble for any purchases or services at Mitsubishi service centers. The minimum amount for payment must be at least 500 rubles.
On its website, Tinkoff Bank offers to calculate the number of bonuses that can be obtained using this card. By filling in the data, we obtain the following result: buying per month on a card of goods for 20 thousand rubles, as well as using the services of gas stations and sinks in the amount of 15 thousand rubles, you can get 4800 bonuses. This is quite a lot, given such a short time.
The remaining conditions are similar to previous debit cards.
Debit Card Closing Conditions
Next, we answer the question of how to close a Tinkoff Bank debit card of any kind.
This is easy enough to do - you just need to contact the Customer Service Center and inform about your intentions to close the card. This can be done both via the Internet and by phone by dialing the number indicated on the card itself.
Bank customers say it’s easy to close Tinkoff debit cards at any time.
Reviews on bank cards
According to some “popular ratings” of Runet, we can conclude that a positive assessment of the cards and the work of the bank as a whole. The average rating is 4th place, which is good results, given the great competition.
There are claims to the bank and dissatisfaction with the fact that card transactions are not carried out immediately, but within 1-3 days. For example, if you pay by cards abroad, then your equivalent in rubles may be withdrawn from your account not at the date of payment for services, but at a later date. This sometimes leads to additional costs.
But bank employees cannot do anything in this situation, since such settings are not dictated by them, but by the Visa and MasterCard payment systems themselves.
It is easy enough to find reviews about Tinkoff debit cards that leave a positive impression about the bank. For example, many thank the bank for their operational work, which even the largest banks that work in the Russian Federation cannot compare with, as well as for withdrawing money without commissions in any banks in the world.
Draw conclusions
As you can see, Tinkoff debit cards, the reviews of which were described above, are affordable and do not go beyond the terms of the Russian banking services market. On the contrary, on some points even better conditions are observed than in some well-known and popular banks.
The main feature is that you do not need to leave your own house to get a new card or open a card account. All that is needed is access to the Internet, a bit of free time and the desire to become a client of the bank, which annually receives awards as the best bank created on the network.
The presence of a very large line of debit cards allows you to reach and interest with your services a fairly wide audience of people. Even the owners of Mitsubishi cars, this bank was not spared.
Of course, there are those people who have a need to chat with a person live. Unfortunately, Tinkoff Bank does not provide such an opportunity to its customers.