Mu myaka mike ishize, abakiriya ubwabo bishyuye amabanki yo kubakorera amakarita yabo. Muri 2021, tubona uburyo amabanki yiteguye gusubira kubakiriya igice gito cyamafaranga hafi ya byose. Gushishikariza abantu kubika amafaranga ku ikarita, ntabwo ari muburyo bw'amafaranga. Phytolk yasebye ibisabwa na Kebush mu makarita yo kubikuza aya mabanki umunani.
Mugukurikirana amafaranga asigaye hagati yunguka bwite no guhuriza hamwe umukiriya wa gahunda yubudahemuka, urutonde rwa bintarre ukurikije gahunda "Nigute watuma umuntu atekereza ko azabona ibirenze mubyukuri."
Niba uzi ingeso zawe bwite, urashobora guhitamo neza ikarita izazana cashe yazamuye rwose, ntabwo ari impuzandengo ku isoko rimwe ryijana.
Soma mu ngingo:
- Ikarita yo Kubitsa Ikarita (RaiffeisenBank)
- Tinkoff umukara (banki ya tinkoff)
- Localokko (Lockbank)
- Ikarita ya Alpha (ALPHA BANG)
- Urugendo rwa Alfa (Alfabank)
- Mulcart (VTB)
- Igihe (UBRIR)
- Byose birimo (Fra-Bank)
- Opencard (gufungura)
RaiffeisenBanKank: Ikarita yo Kwishura Ikarita
Serivisi ni ubuntu, nta bihe byiyongera.
Kubohora amafaranga muri ATM na Raiffeisenbank na Banking Banks (kuvumbura, Banki yinguzanyo ya Moscow, GalsebHanKanky, RosdelKabank). Kugirango ukureho inshuti iyo ari yo yose izafata 1% y'amafaranga, ariko ntabwo ari munsi ya kamere 100.
Shakisha kuri buri ijana (kugeza kuri 4% gusa iyo ufunguye konti yihariye. Ntabwo bashinjwa abasigaye ku ikarita.
TInkoff Bank: tinkoff umukara
Serivise ni ubuntu yatanzwe ko ibisigaye kuri konti iyo ari yo yose (harimo na Brorage) byibuze amafaranga 50.000. Bitabaye ibyo, buri kwezi izakurwa kuri konti ya 99.
Umubare ntarengwa wa Kesshk ku kwezi: 3 000 Rables.
Kuraho amafaranga kuri ATMS kubuntu. Mubindi byose, urashobora kandi gukuraho kubuntu niba amafaranga afite byibuze amafaranga 3.000 icyarimwe kandi atarenze amafaranga 100.000 kuri buri gihe.
Ijanisha kuri ibisigisigi ni 3,5% (ndumiwe mumafaranga agera ku 300.000, niba umara byibuze 3.000 buri kwezi ku ikarita).
Lockbank: Ikarita Lockoko
Ibisabwa kubungabunga ubuntu: Ugomba gukoresha ku ikarita byibuze amafaranga 3 000 buri kwezi, cyangwa ufite amafaranga 30.000 kuri 30.000 kuringaniza kuri konti. Bitabaye ibyo, ugomba kwishyura amafaranga 99 buri kwezi.
Umubare ntarengwa wa kesshk buri kwezi ni amafaranga 15,000.
Ubuntu kugirango ubone amafaranga muri atms zindi mabanki, ariko ntabwo ari amafaranga arenga 15,000 buri kwezi. Kandi mubihe byibuze amafaranga 1.000 akurwaho icyarimwe.
Ijanisha kuri ibisigisigi ni 4.5% kuri buri mwaka, ibisabwa ni ugukoresha ku ikarita byibuze amafaranga 3.000 buri kwezi.
Alpha Banki: Ikarita ya Alpha
Serivisi ni ubuntu, nta bihe byiyongera.
Kubakoresha amafaranga arenga 100.000 buri kwezi, Kameriki azamuka kuri 2%. Ariko icyarimwe, amafaranga arenga 250.000 ataramenyekana: Aya mafaranga azagerwaho numupaka wamafaranga ya cacheki mu mafaranga 5.000, ntazongera gutanga.
Gukuramo amafaranga kubuntu muri ATM na ATM na Banki na Banking Banks, mubindi bigarukira kugirango bakureho amafaranga 50.000 buri kwezi.
Byongeye kandi, banki itanga kuri iyi shusho y'itumanaho, serivisi zingirakamaro hamwe na polisi ishinzwe umutekano mu maso habaye ngombwa komisiyo.
Ijanisha ku gisime: 4% - Niba ukoresha amafaranga arenga 10 000 buri kwezi mu kwezi, 5% - niba ukoresha amafaranga arenga 100.000. Ijanisha ribarwa gusa ku buringanire bugera ku 100.000.
Banki ya Alfa: Urugendo rwa Alfa
Serivisi ni ubuntu, nta bihe byiyongera.
Kwiyongera KESHBAK birashobora kuboneka ukoresheje serivisi za Alfa-Banki kugirango utaboze amahoteri nibibazo. Hano kuva ku bilometero 2,5 kugeza 10 kuri buri gemeros 100 bitewe nurwego rwo gukoresha na serivisi yihariye.
Gukuramo amafaranga kubuntu muri ATM na ATM na Banki na Banking Banks, mubindi bigarukira kugirango bakureho amafaranga 50.000 buri kwezi. Niba urasa cyane muri ATM yabandi - Komisiyo 1.99%, byibuze bisanzwe.
VTB: "Mulcaricart"
Serivisi ni ubuntu.
Gahunda ya Kesbak ni iminota myinshi, irashobora guhinduka rimwe mukwezi:
- Cacheb. 1% mubiguzi byose bisubizwa na bonus rubles niba umara 30.000 buri kwezi. Niba tumarana amafaranga agera kuri 75 000 buri kwezi, noneho cachex yiyongera kuri 1.5%.
- Ingendo. Ibirometero 1% hamwe no kugura amafaranga agera ku 30.000 buri kwezi, kuvametero 1.5% mugihe ugura amafaranga agera kuri 75.000 buri kwezi. Ibirometero birashobora guhanahana, byumwihariko, kuri kilometero ya aeroflot ya bonus cyangwa gukoresha kumatike cyangwa amahoteri yo gutondekanya.
- Ishoramari. 1.5% by'amafaranga yo kugura byose yishyurwa kuri konti ya Brokerage.
- Kuzigama. Niba uguye ukurikije ikarita mugihe kingana 10,000 buri kwezi, noneho ubonye wongeyeho 1% kuri buri mwaka ku byishyurwa cyangwa kubitsa miliyoni 1.5. Cyangwa (guhitamo) hiyongereyeho 3% kuri buri mwaka kuri konti iriho kugeza ku mafaranga 100.000.
- Uwagurijwe. Niba umara ku ikarita kuva ku 10 000 rusange mu kwezi, ubona ukuyemo 0.3% kuri buri mwaka ku ijanisha cyangwa gukuramo 1% ku nyungu ku nyungu ku nguzanyo y'amafaranga.
Gukuraho amafaranga kubuntu na ATMS hamwe na Banki yumufatanyabikorwa (Banki yoherejwe, Banki ya Moscou). Abandi ba ATM bose bagomba kwishyura komisiyo ya 1% y'amafaranga byibuze amafaranga 300.
Iterambere rya Bank na Banki n'iterambere: Ikarita "Igihe"
Serivisi ni ubuntu, niba tumara kuva ku 15.000 mukwezi cyangwa dufite amafaranga 100.000 kuringaniza kuri konti. Bitabaye ibyo, ugomba kwishyura amafaranga 99 buri kwezi.Muri iki kibazo, koresha ikarita kugirango ugure gusa kumutwe watoranijwe ntuzakora. Umubare wibindi byakoreshejwe ku ikarita ukwiye byibuze ibiciro byimitwe hamwe ninfu yiyongera.
Ingano ntarengwa ya carsheck igarukira: bitarenze amafaranga 4000 buri kwezi.
Ijanisha ryibisigisigi: 1% kuri buri mwaka mugihe ugura ikarita kuva ku mafaranga 30.000 buri kwezi, 6% kuri buri mwaka mugihe waguze kuva ku mafaranga 60.000 buri kwezi. Bamenyerejwe kugeza ku mafaranga agera ku 300.000.
Kuraho amafaranga muri ATM zamahanga kugirango ubone amafaranga agera ku 20.000 buri kwezi, mugihe gukoresha buri kwezi ku ikarita bigomba kuba byibuze amafaranga 15,000. Mu bindi bihe byose, bigomba kwishyura Komisiyo - 1% by'amafaranga, ntabwo ari munsi y'amabiri 120.
Fra-banki: "Byose birimo"
Serivisi ni ubuntu kubakozi ba leta, pansiyo, abanyeshuri, kimwe nabamara kuva ku 15.000 buri kwezi cyangwa bashyigikiye amafaranga asigaye ku mafaranga 30.000. Kubandi bose - 99 Rables buri kwezi.
Ingano ntarengwa ya kessh igarukira ku mafaranga 10,000 ku kwezi.
Ijanisha kuri ibisigisigi: 1.25% kuri buri mwaka.
Kuraho amafaranga muri ATM zamahanga kugirango ubone amafaranga 30.000 buri kwezi. Niba ukeneye byinshi - ugomba kwishyura 1% byamafaranga byibuze.
Gufungura: Openkcard.
Serivisi ni ubuntu, ariko icyarimwe yo gufungura ikarita uzajyana amafaranga 500. Nibyo, bazasubira muri Kesbank, ukimara kumara amafaranga 10,000 yambere.
2% ya Kessshka kubiguzi byose wongeyeho undi 1% CECHEBKKA, niba hari amafaranga 500.000 kuri konti ya banki, cyangwa wishyura umwenda w'amakarita y'inguzanyo hamwe n'ukwezi.
1% by'ingendo zo kugura amafaranga yose na 5% muri KESS muri kimwe mu byiciro (bine - Ubwikorezi, cafes na resitora, ingendo, ubwiza, burashobora guhinduka mu kwezi). Niba habaye amafaranga 500.000 kuri konti muri banki cyangwa kwishyura umwenda w'amakarita y'inguzanyo ufite ubwishyu buke buri kwezi, yongera abandi 5% ya kekback.
Kuraho muri ATM yandikishijwe amabanki kubuntu ku mafaranga 10,000 buri kwezi, hanyuma 1% byamafaranga, byibuze amafaranga 100.