10 reasons to switch to a debit card Tinkoff Black

For a long time I have been a customer of a large state-owned bank. Abonentku paid and received in return a tool for cashless payment. No keshbekov, interest on the balance, and the like. Then the cards were just the cards, and it seemed normal, because there is nothing better than people have not seen. And then came "Tinkoff" and showed something really new.

Ordered Tinkoff Black I certainly did not. Needless attractive conditions? Bank without offices and ATMs? The familiar smell of scam! But time passed, in 2013, Tinkoff Black obzavolsya Alex Sexton, our chief. It took another two years, nothing bad will happen, "Tinkoff" continued to perform well, and I decided.

I have to say, I do not consider Tinkoff Black as the product of a lifetime. Then I just went with the frankly bad cards on the best, but he continued to and continue to monitor the market in anticipation of even more tough proposition. Success yet. I still use Tinkoff Black, and two and a half years I have accumulated at least 10 occasions to advise the other card.

1. It is easy to order and receive

I remember the ad, which was at registration card from your previous bank. Pilish in the office, sitting in a queue, you sign a bunch of papers, leaves. Waiting for two weeks until the card will do. Pilish back to the office again, sitting in the queue and finally get the coveted plastic. Why so complicated? Why so long?

The "Tinkoff" everything is easier. Went to the site, there was offered immediately arrange online map. I drove a minimum of data, after a few minutes I called back to clarify something and said, "Messenger with the card will arrive tomorrow at convenient time and place." Now that's service, and all for free! I ordered a card April 2, 2015 at 15:00 and got it into the hands of April 3, 2015 at 9:00 am, that is 18 hours. The case, incidentally, was not in Moscow but in a rather provincial Ulyanovsk.

2. Replaces contribution to the bank

Each month, "Tinkoff" accrues 6% per annum on the balance on my card Tinkoff Black. About the same yield of the banks are now offering on deposits and deposits, but with unpleasant caveat: you can not touch the money before the deadline, otherwise the interest shall be burned up. I do not like it, because it means you may need at any time. With the same success it is possible to keep the money under the pillow.

In the case of Tinkoff Black I freely dispose of their money. Rented, spend, fill up when I want, and still get income. Map captures the account balance daily and "remembers" how much money do I have to the bank. Interest "Tinkoff" will pay each month.

Is there a clause here? Yes, but it is rather symbolic. If you spend on card purchases less than 3000 rubles per month, for the month of interest is not credited. Is it possible to use up such a "huge" amount within 30 days? You can look at the prices in shops and answer this question yourself.

3. Easy to make free

The fee for the use of Tinkoff Black is 0 per month, if the balance on it for a month does not fall below 30 000. Otherwise, it will abonentka 99 rubles a month. Since I use a card instead of a deposit in the bank, this condition is satisfied by itself.

4. Keshbek in rubles

It is in rubles. Not Oleg, Russian rubles, not in the Tinkoff-rubles, and in the Russian Federation currency. Cards keshbekom complete, they only accrue some strange bonuses. You must first build up a certain amount of "wrappers", and then another to find where and what to spend. In Tinkoff Black's simple and honest. With each purchase charged keshbeka 1% in rubles. Once a month, the money fall on the card and end up in a row.

5. Category increased keshbeka and Deals

Every three months, Tinkoff Black offers a choice of three categories, for the purchase of which is charged keshbek increased at a rate of 5%. For example, I have now selected a movie, sporting goods and entertainment. Increased keshbek valid on purchases from the active category in any store.

The list of available categories to select a limited, but it is quite often come across a cafe, transportation, gas stations and other current expenditure. Sometimes even supermarkets. Overall income increased keshbeka turns normal.

In addition to conventional and high keshbeka, Tinkoff Black constantly shares, together with shops and services. Here the conditions better. However, it is urgent for me to offer across not too often. I'll talk about the most enjoyable freebie that I remember.

Some time ago, Burger King was a steep rally. When paying Android Pay operated a 50% discount on all the burgers and I just cry smartphone. The Tinkoff Black appears regularly in special offer from Burger King as keshbeka 20-25% on your first purchase in the month.

In the end, I took a couple of favorite burgers for half the price, and then "Tinkoff" gave me another 25% in the form of keshbeka, ie shares summed. PROFIT!

6. Cash withdrawals at any ATM worldwide, without commission

Sometimes the cash is needed. Perhaps the seller is not working terminal, or point of sale very backward in terms of technology. Anyway, these situations can not be avoided. What do you do in such cases? You are looking for an ATM of your bank, because when removing the other will be the commission. Well, if the familiar places and the location of the ATM is known. But sometimes it is necessary to arrange the entire search operation involving «Google Maps."

Here you find the coveted electronic cabinet with money. Bank have the largest, so all too big. Nearby there is a free ATMs, but the commission toad strangling so, huh?

With Tinkoff Black I even stopped reading the names on the ATM, because when removed from 3 000 rubles commission nowhere. The amount of just optimal for cash payments to me it is enough for about two to three weeks.

Abroad, too, no commissions. During a recent vacation, I shot several times GEL in Tbilisi through VTB ATMs. No extra money with me not written off. The course, by the way, was more favorable than in scattered around the city exchangers.

7. Transfers to other banks' cards without commission

Often it is necessary to transfer the money to someone. For example, after the joint gatherings in the bar or alcohol purchases to Friday's libations in the office, when one pays, and then they throw it on the map. I have not hoisted all your friends to "Tinkoff", but this is not a problem. Tinkoff Black allows you to transfer up to 20 000 rubles per month on cards of other banks without commission. To make a transfer is enough to know the recipient's card number. Money comes instantly. This is an ideal way for quick calculations on small amounts.

If we are talking about a serious amount of, for example, for rent apartments, you can take advantage of inter-bank transfer via the app. Commissions is there, the sum of the limits - too.

8. Adding to the mobile phone stores and cards of other banks without commission

Replenish Tinkoff Black I have very often, because this card salary - the employer himself puts on her money. If you need to make cash I just look in the next "The Messenger", "Beeline" and "MTS". Money is received instantly, to look for any special ATMs do not need.

Tinkoff Black can be no commission to replenish the amount of 300 thousand rubles per month from other banks' cards if tie them in a mobile application "Tinkoff" or use online banking.

9. User-friendly application with statistics expenses

Annex "Tinkoff" is all that I need. Frequent payments and transfers are included in your favorites and come in a single tap. The entire history of transactions and purchases are automatically divided into categories and displayed as visual diagrams. So I'm in control, I analyze and optimize costs.

10. Sensible chat support without bureaucracy

For two and a half years, the use of Tinkoff Black I called tech support "Tinkoff" no more than 5 times. For me it is a very good indicator. If something still happens, I will not call, just open the chat within the application and write in the messenger.

Mean time response specialist support is from 10 to 30 seconds. Guys communicate without undue formality, which I also like, but most importantly - they solve issues and problems quickly and remotely. No trips to the office, no paper bureaucracy. Great hulking banks can learn from "Tinkoff" in support of quality.

instead of a conclusion

According to the rules there must be some kind of conclusion, laudatory words about Tinkoff Black and call to order the card, but first I want to talk about something else. Although the article and affiliate, all that is written in it - it's true. I've been wanting to share their opinions on this map. I think I got a pretty objectively.

How to order the map now

Map Tinkoff Black is available in the design Layfhakera. It looks like this:

If you place a request using the form below, you will receive an extra bonus: keshbek 5% on electronics within two months, to 1,000 rubles a 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.