Ikarita ya banki hamwe no kubungabunga ubuntu - Ni bangahe? Neza
Niba wemeye kwihanganira ibisabwa na banki cyangwa hamwe na Trimmed bishoboka. Phintolk asobanura uburyo bwo kutishyura serivisi zumwaka kandi ntabwo ikora mubihano
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Ubuntu, ariko ...
Ikarita yo kubungabunga irashobora kuba umudendezo? Mu nyigisho, banki igomba kwizihiza buri gihe kuri amakarita nkaya, kuko buri gikorwa bisobanura ikiguzi cyimbere. Icyakora, hamwe na Sber kinini mu Burusiya, hamwe na we nandi mabanki yatanzwe n'amakarita y'inguzanyo n'amakarita yo kwishyura imyaka itari mike, atezwa imbere nk "ubuntu".
Kurugero, ntabwo yishyura uburyo bwo kubungabunga amakarita, ugomba gukoresha kubigura kuva ku 3.000 kugeza 7,000 buri kwezi cyangwa uhora ubika ikarita byibuze 20.000 - 50.000.
Nigute ikora? Kurugero, Julia afite ikarita yimishahara, kubungabunga ibyo ntamutwara, nkuko ikarita yatangaga umukoresha wasoje amasezerano yumushahara na banki. Kandi Julia afite ikarita yo kubikuza ya banki imwe hamwe na kesbank, serivisi ya buri kwezi igura amafaranga 150. Numunota umwe, amafaranga 1800 kumwaka. Ariko Julia ntabwo yishyura Julia yo gukoresha iyi karita, kuko imenyesha rya SMS rifite ubumuga burebure (kuzigama amafaranga 720 kumwaka), no kubusa kumafaranga yishyura ikarita yumushahara. Muri icyo gihe, atarageza ku mafaranga arenga 5.000 buri kwezi kugura ku ikarita yo kubikuza buri kwezi, yuzuza imiterere yatanzwe na banki.
Byihuta, ariko wapfuye?
Kubadateganya kwinjiza ijanisha riva mu buringanire, amabanki amwe aracyatanga "Ikarita Akanya Agace karimo amafaranga ya buri mwaka amafaranga atangiye cyangwa angana na geals 150 ku mwaka. Ikarita yo gutanga amakuru ako kanya (mubyukuri "itangwa ako kanya") itangwa ako kanya iyo bahamagaye banki.
Izina rya nyirayo ntirigaragaza izina rya nyirayo, ariko afite ibindi bimenyetso byose byikarita ya banki ya kera:
- Umubare nuburinganire mugihe ikarita yakubiswe kuruhande rwambere;
- Hariho serivisi zifatizo, harimo no kwishyura bidahwitse;
- Kugura birashobora kubara;
- Urashobora guhambira fagitire mu ifaranga iryo ari ryo ryose;
- Ikarita irerekanwa muri banki igendanwa.
Ibisabwa kugirango ubone ikarita yo kubikuza ako kanya birashobora guturika ugereranije na "Classic": Kurenga kwamafaranga bizagabanuka, kandi komisiyo yo kurenza, kandi komisiyo yo kurenza amakarita ntishobora kuboneka mububiko bwose bwo kumurongo. Byongeye kandi, serivisi zimwe (gusunika amakuru, imvugo ya mini muri ATM, nibindi) kuri "amakarita" ya "ako kanya" arashobora gutangwa kumafaranga.
Ko "foromaje"
Naho inguzanyo yubuntu, harimo nonnene na "Instant", noneho ibintu byose biterwa na giciro: Amabanki akunze gushyira uburyo bwo kubungabunga ubuntu.
Kuri VTB, kurugero, ikarita yinguzanyo yamahirwe "- Mubuhire ni ubuntu, ariko iyo ihujwe na gahunda ya bonus, amafaranga yumwaka azaba agera kuri 500.
Inoti "Urashobora guhita uhita uhuzwa na Keshb, ariko kubungabunga ubuntu, ibicuruzwa bya buri kwezi ku ikarita bigomba kuba byibuze amafaranga 15,000. Mu yandi mabanki "yatewe", ingano yo kugura ku ikarita y'inguzanyo irashobora kuva kuri 7000 kugeza 70.000 ku kwezi, kandi ifite amafaranga mato, serivisi ihita irimo.
Bibaho ko amakarita yinguzanyo yatanzwe kandi akorwa kubuntu kandi asa nubwoyo, ariko inyungu zose zirya ijanisha ryinshi (kuva kuri 20% kandi hejuru yigihe gito. Wige rero ibiciro mbere yo kwemeranya na "foromaje yubusa".
Vuba aha, amabanki aragenda atanga amakarita yububiko bwubusa adafite itangazamakuru ryumubiri. Bitandukanye namakarita ya Virtual, agenewe cyane cyane kugura kumurongo, amakarita nkaya afite hafi ya byose bishoboka "plastiki". Nibyo, ntibaboneka kuri buri wese.
Ntibishoboka gutakaza ikarita ya digitale, biragoye kubyibamo, ariko kugirango ubikoreshe mububiko bwa Offline cyangwa ukureho terefone mugihe cya NFC hamwe na serivise ya Apple hamwe na serivisi ihuza cyangwa samsung umushahara, cyangwa umushahara wa Android. Yoo, ntabwo amakarita yose ya digital ntabwo ari serivisi nta bihe byinyongera, niko bikwiye gusuzuma witonze ibisabwa na banki mbere yo kureka burundu "plastiki".
Muri iryo ndwara imwe, mugihe amafaranga ya serivisi yikarita yatanzwe mbere na marike, ntabwo ashoboka kubitanga: banki izakuraho gusa amafaranga asabwa. Muri icyo gihe, muri MINUS, ndetse na karita ya "zeru" ntazagenda, ariko amafaranga azagabanuka, igihe cyose ubwishyu bwakiriwe - kandi kugeza igihe umwenda wose uhembwa. Kubijyanye no kurengana birenze cyangwa hamwe nikarita yinguzanyo, ibintu biragoye: Urashobora kwizera udashidikanya ko nta mwenda ku ikarita, ariko nyuma yo kwandika umwenda wa serivisi, hashobora gushyirwaho umwenda.
Muri make, banki buri gihe ihora ikomeza ku nyungu zayo: aracyatanga amakarita yubuntu, aracyabona ibye - kubindi bicuruzwa bya premium, byambere, Komisiyo zinyongera, Serivisi zinyongera, cyangwa ijanisha kumafaranga hejuru. Ariko urukundo rwabakiriya kubusa ntirushobora kurongorwa, kandi amabanki ayishyigikira gusa kandi akoreshwa neza. Tom no guhagarara.
