Makore mashoma apfuura, vatengi pachavo vakabhadhara mabhangi ekushumirwa makadhi avo. Muna 2021, tinoona kuti mabhangi akagadzirira kudzokera kune vatengi chikamu chidiki chemari ingangoita basa rega rega. Kukurudzira vanhu kuti vachengetedze mari pamepu, uye kwete muchimiro chemari. Iyo phytolk disassed mamiriro eKesbek mune yazvino Debit makadhi emabhangi masere eRussia.
Mukutsvaga iyo chiyero pakati pemabhuku ega uye musanganiswa wemutengi weChirongwa chekuvimbika, iyo Bizarre Lircement maererano nehurongwa hwechirongwa "maitiro ekuita kuti munhu afunge kuti achazowana chokwadi."
Kana iwe uchiziva tsika dzako dzemari mushe, unogona kusarudza chaizvo kadhi rinounza cache yakakwirisa, uye kwete iyo avhareji yemusika mumwe chete muzana.
Verenga mune chinyorwa:
- Debit Cashback mepu (Raifffeisenbank)
- Tinkoff dema (Tinkoff Bank)
- Loclokko (Lockobank)
- Alfa Map (Alpha Bank)
- Alfa Kufamba (Alfabank)
- Multicart (VTB)
- Nguva (ubrir)
- Zvese zvinosanganisira (fora-bhangi)
- Opencard (kuvhura)
Raifffeisbank: Debit Cashback mepu
Service ndeyemahara, pasina mamwe mamiriro.
Kashisiya Cash Kumahara muRaifffeenbank ATMs uye Party Banks (kuwanikwa, Moscow Chikwereti, Rosbank, Uralibbank, Rosselkhozbank, Enosselkhovank, Energotransbank). Kune kubviswa mune chero shamwari kunotora 1% yehuwandu, asi kwete pasi pe100 rubles.
Tora pa %% (kusvika 4%) chete kana uchivhura account yakaparadzana. Ivo havana kubhadharwa kuzorora pamepu.
Tinkoff Bank: Tinkoff dema
Service yakasununguka yakapihwa kuti yakasara pane chero account (kusanganisira brokerge) inosvika zviuru zvishanu zvbras. Zvikasadaro, mwedzi wega wega zvichabviswa kubva muakaunti ye99 rubles.
Maximum huwandu hwe kesbek pamwedzi: 3 000 rubles.
Kubvisa mari yemahara tincoff maATM. Mune zvimwe zvese, iwe unogona zvakare kubvisa mahara kana huwandu hwacho hwave kuita zviuru zvitatu zvendima panguva uye hapana anodarika zviuru zana zvendarira.
Iyo peresenti pane yakasara ndeye 3.5% (yakakundwa muhuwandu hweanosvika mazana matatu ezviuru, kana ukapedza zviuru zvitatu pamwedzi pamepu).
Lockobank: Mepu Lockoko
Mamiriro Ekugadziriswa Kwemahara: Iwe unofanirwa kushandisa mapepa emamepu yeanenge 3 000 rubles pamwedzi, kana kuti kubva pamakumi matatu emazita matatu chiyero pane maakaundi. Zvikasadaro iwe unofanirwa kubhadhara 99 rubles mwedzi wega wega.
Huwandu hwakawanda hwe kesbek pamwedzi zviuru gumi nezvishanu zvuru.
Yemahara kugadzira mari muATM yemamwe maBhangi, asi kwete anopfuura zviuru gumi nezvishanu zvendarira pamwedzi. Uye pasi pemamiriro ezvinhu angangoita chiuru chiuru chinobviswa panguva.
Iyo perenti pane yakasara ndeye 4.5% paAnnum, iyo prerequisite ndeyekushandisa pamepu yeanosvika zviuru zvitatu zvendarira pamwedzi.
Alpha Bank: ALPHA Mepu
Service ndeyemahara, isina mamwe mamiriro.
Kune avo vanoshandisa anopfuura zviuru zana mabhuru emwedzi, cacheback inosimuka kune 2%. Asi panguva imwe chete, vanopfuura mazana maviri nemakumi mairi zvibundu vanoshandisa pfungwa: Mari iyi ichaitwa nemucheto weCachek mubhadharo mune zviuru zvishanu zvitanhatu, havachazopi.
Kubvisa mari yemahara muAvia-Bank ATMs uye Mabhangi emunhu, mune imwe muganho wekubvisa wakasununguka kwemakumi mashanu emazenda pamwedzi.
Pamusoro pezvo, bhangi rinopa pamepu iyi yekutaurirana, zvinoshandiswa masevhisi uye traffic mapurisa kumeso pasina komisheni.
Peresenti pane zvakasara: 4% - Kana iwe ukapedza anopfuura gumi 000 rubles pamwedzi pamwedzi, 5% - kana iwe ukapedza anopfuura zviuru zana zviuru. Iyo muzana inocherekedzwa chete kune chiyero chemashanu kusvika zviuru zana zvbras.
Alfa Bank: Alfa kufamba
Service ndeyemahara, pasina mamwe mamiriro.
Kuwedzera Kashbak kunogona kuwanikwa uchishandisa Alfa-Bank Services kuti mabhuku mahotera uye nguva. Ipapo kubva pa2,5 kusvika pamamirimita gumi ezvikamu zana zvendarira zvichienderana nemwero wekushandisa uye chairo basa.
Kubvisa mari yemahara muAvia-Bank ATMs uye Mabhangi emunhu, mune imwe muganho wekubvisa wakasununguka kwemakumi mashanu emazenda pamwedzi. Kana iwe uchipfura zvakanyanya mune mumwe munhu ATM - Commission 1.99%, mashoma madimes ekuru.
VTB: "Multsart"
Service ndeye mahara.
Zvirongwa zveKesbak maminitsi akati wandei, vanogona kuchinjwa kamwe chete pamwedzi:
- Cacheb. 1% kubva kuzvitenga zvese zvinodzoserwa neBonus rubles kana vachipedza kusvika pamakumi matatu pamwedzi. Kana tikashandisa kusvika pamakumi manomwe nemakumi mashanu emadhora emwedzi, saka cachex inowedzera kusvika 1.5%.
- Kufamba. 1% mamaira nekutenga kusvika pamakumi matatu emazita emwedzi, 1.5% mamaira kana uchitenga kusvika pamakumi manomwe nemakumi manomwe emakore. Mamaira anogona kuchinjaniswa, kunyanya, pami mamaira eiyo aeroflot bhonasi chirongwa kana kushandisa pamatiketi kana mabote emabhuruku.
- Investment. 1.5% yehuwandu kubva pane zvese zvinotengwa zvinobhadharwa pane iyo Broaddera account.
- Kuponesa. Kana iwe ukatenga maererano nemepu muhuwandu hwemakumi gumi emazana emari pamwedzi, saka iwe unowana imwe 1% pagore regore kana kubhadharisa mamirioni 1.5. Ingave (kusarudza) pamwe ne3% pagore pane iyo yazvino account kusvika zviuru zana zvbras.
- Anokwereta. Kana iwe ukashandisa pamepu kubva gumi 000 rubles pamwedzi, iwe unowana minus ye 0.3% pagore kune iyo muzana yehuwandu pane iyo moreji kana minus 1% pagore kune chiyero chemari yemari.
Cash kubviswa kweFree VTB ATM ATM uye Partner Banks (Post Bank, Bank yeMoscow). Mamwe madhiri ese anofanirwa kubhadhara komisheni ye1% yehuwandu kanokwana mazana matatu emazana.
Ural Bank Kuvandudzwa uye Development: Mepu "Nguva"
Service ndeyemahara, kana tikashandisa kubva pamakore gumi nemashanu pamwedzi kana kuti vanobva kune zviuru zana vanobira chiyero pane account. Zvikasadaro iwe unofanirwa kubhadhara 99 rubles mwedzi wega wega.Mune ino kesi, shandisa kadhi chete kutenga kubva kune yakasarudzwa musoro usingashande. Kuwanda kwezvimwe zvinodhura pamepu kunofanirwa kana kaviri mutengo wekutungamira neakapfurwa kekbek.
Iyo yakakwira cachebackbackback saizi ishoma: kwete inodarika zviuru zvina zvibodzwa pamwedzi.
Peresenti yeiyo yakasara: 1% pagore kana uchitenga pamepu kubva pamakumi matatu emakumi matatu emakumi matatu emakumi matatu emwedzi, 6% pagore kana uchitenga kubva pamakumi matanhatu emakore. Zvakaunganidzwa kune vamwe vakasvika zviuru mazana matatu ezviuru.
Kubvisa mari mune zvekunze maATM kuti vasvike kusvika zviuru makumi maviri zviburu pamwedzi, apo kushandisa kwemwedzi pamwedzi pamepu kunofanirwa kuve zviuru gumi nezvishanu zvendarira. Mune zvimwe zviitiko zvese, ichafanirwa kubhadhara komisheni - 1% yehuwandu, kwete isingasviki zana nemakumi matatu rubles.
Fora-bhangi: "Zvese zvinosanganisira"
Service iri pachena kune vashandi vehurumende, pensioners, vadzidzi, pamwe nevaya vanoshandisa kubva pamakumi maviri emakore pamwedzi kana vanotsigira chiyero nekuda kwemavara makumi matatu. Kune vamwe vese - 99 rubles pamwedzi.
Iyo yakakwira kesbek saizi inogumira kune zviuru gumi zvenduru pamwedzi.
Muzana pane yakasara: 1.25% pagore.
Kubvisa mari muATM yekune dzimwe nyika inosvika zviuru makumi matatu zvemakumi matatu emadhora pamwedzi. Kana iwe uchida zvimwe - iwe unofanira kubhadhara 1% yehuwandu hunopfuura zana nemakumi mashanu rubles.
Kuvhura: Opencard.
Iyo sevhisi yakasununguka, asi panguva imwechete yekuvhura kadhi iwe uchatorwa mazana mashanu 000 rubles. Chokwadi, ivo vanodzokera kuKesbank, paunenge uchingoshandisa mavambo zviuru gumi zvekutanga.
2% ye kesbekka yezvose zvinotengwa pamwe neyekutanga imwe 1% cachebekka, kana paine mazana mashanu ezviuru emabhangi muzvikamu zvebhangi, kana kuti udzorere chikwereti chekadhi rechikwereti nemabhadharo mashoma emwedzi.
1% yeKesbeks yeZvese Zvinotengwa uye 5% yeKesbek mune imwe yemapoka (ina - kutakura, maCafes uye maresitorendi, runako, runako uye hutano, rinogona kushandurwa mumwedzi). Kana paine kubva mazana mashanu 000 rubles pane maakaundi mubhangi kana kubhadhara kwechikwereti chechikwereti chechikwereti nemitengo madiki pamwedzi, inowedzera imwe 5% ye keshback.
Kubvisa mumamwe maATM kune mamwe mabhangi ndeyekubhadhara kune zviuru gumi zvendarira pamwedzi, ipapo 1% yehuwandu, mashoma emazuzi zana.