"Why do I have 4 years of use Site Map Tinkoff Black»: the story Layfhakera publisher

Map Tinkoff Black came to me in February 2013. Before that I was a customer of the bank from the top ten, but said goodbye to him because of the poor service. Culminating in the attempt to buy airline tickets to vacation my bank considered suspicious activity and block the card. I had to go to the bank office, write a statement and wait for the appeal review and unlock the account. Were New Year holidays, so I had to wait a long time. When I finally was able to buy tickets, they have risen by 20%. It was unpleasant.

So I decided to close the card and open a new one in another bank. To examine the conditions of different banks, the best option offered "Tinkoff". Since then Tinkoff Black - my main card. There are six main reasons why I use it it.

1. 6% annual interest on the map

People used to choose a deposit in the bank because of the great interest. Now rates on deposits to a minimum, some banks interest is not even cover inflation.

I find it easier to accumulate some money and know that in the event of force majeure, I can refer to it and not to lose the interest earned. Tinkoff Black monthly charges 6% annual interest, if the card you are holding no more than 300 000 rubles. This is comparable to the rates offered by banks on deposit accounts, so I do not understand, why do today to open a deposit.

2. Keshbek in rubles rather than in virtual currency

I know how the point system to encourage other banks, but I can not say that I like it. Keshbek Tinkoff Black is good that he is in rubles: this is the money that is added on to the account, and you can spend them freely.

In the case of the other banks have a number of limitations: somewhere you can pay points, somewhere you can not. There are restrictions on the amount of purchase: you first need to accumulate a certain amount of points, and then another to find what they spend. Keshbek Tinkoff Black - just money.

Here's how it looks:

• 1% keshbeka back with every purchase.
• 5% - in select categories that change every three months. Usually I have about a set of vehicles (taxi or train tickets), pharmacies and shops of photo and video equipment.
• Up to 30% - this keshbek by special offers from partners. In this section you come across some interesting options: for example, OZON.ru or "read-city".

For four years keshbek brought me more than 60 000 rubles. Cool!

3. Cool mobile application

I go to the Internet bank every few months, but the application I use several times a day: I want to be aware of everything that happens with my money. Appendix "Tinkoff Bank" cool, they like to use.

The application performs my financial tracker function: it helps to keep track of income and expenditure, automatically sorts of waste by categories and allows you to understand how much money is spent on different groups goods. I once led the accounting manually filled plate to Excel, use a special type of services Zenmoney (which I also love), but with the banking application can be easier to do and everywhere pay card.

With the mobile application "Tinkoff" I pay for services of mobile communication and traffic fines: travel a lot, and periodically bring itself such "gifts". Well, transfers from card to card, of course. It's great that in most cases the bank does not charge a fee for this operation.

4. Transfers without commission

Transfers from one card to another - it is convenient: it is enough to know the card number of the recipient, and the money comes instantly. Almost always for such transfers banks charge a high commission, but with Tinkoff Black I can send a decent amount on the card of any bank charge.

Conditions for transfers are:

• No fees can be translated on the cards of other banks 20 000 rubles per month. We will continue to commission 1.5% from exceeding the limit, but not less than 30 rubles.
• If the limit of 20 000 is exhausted, it is possible to use interbank transfer. It takes 1-3 days, as opposed to the instant card-to-card, but also on such transfer commission at "Tinkoff" is always 0%.
• Transfers between customer "Tinkoff Bank", of course, always free and without restrictions.

5. Money from any ATM without commission

You can use the ATMs of any bank. If you shoot more than 3000 rubles, the commission will not. I tested both in Russia and abroad: the extra money will not be charged.

On completion, too, no problems: it can be done in many ways, such as in a store "Euroset" or "The Messenger". The most convenient way - transfer from one card to another in the annex "Tinkoff" or on the bank's website. Money comes instantly, for an amount up to 300 000 rubles per month commission do not take.

6. You can pay your smartphone

I always use the contactless payment. Smartphone in hand is more often than a purse, and at the box office just enough to bring the phone to the terminal. It is very comfortable. After joining Apple Pay Russia I cry smartphone wherever possible.

The interesting thing in the Russian penetration of Apple Pay is much stronger than in the same States. In America, you can pay by card everywhere, but only in a few places I've seen contactless payment terminals. We have the same pay iPhones can be in almost any store. As far as I know, with Android Pay too, no problem.

I contactless payment gives a sense of security, because the cards in your hand you will not let anyone, but the technology itself leaves card details secret.

How to obtain the map Tinkoff Black

Order Tinkoff Black may be free in any city of Russia. Courier will deliver your card within a few days, will bring the documents and give all the necessary instructions. Then you activate the phone card and you can use it immediately.

The card costs 99 rubles a month. Its service for free, if you open a bank loan, contribution or you keep on Tinkoff Black 30 000 rubles. But if you place a card on my link, The service for the first six months will be free anyway.

Try it and decide how you fit this card. Do not like it - will close.

The card can be ordered from the design Layfhakera:

If you place a request using the form below, you will receive an extra bonus: keshbek 5% on electronics within two months, up to 1 000 rubles per month (terms of action). Want conventional design - simply check the box at the right moment. Card issuance is free, it will give you just a couple of days.