Amakhadi e-Multicurrency: amabhanki, iimeko, amathuba kunye nokuhlaziywa. Ikhadi le-Multicurrency "iSberbank"

Ngaphambi kokuya kwelinye ilizwe, kufuneka uthenge imali ngaphambili. Yiyiphi into efanelekileyo yokulungisa - ikhadi okanye imali - yinto eyimfihlo kumntu wonke. Ingxaki kukuba ukuthunyelwa kwemali engenayo imali engekhoyo imali, kwaye akunakwenzeka ukuhamba ngokuzithengela ukuthenga iidola ngokutshintshiselana. Ingakumbi kwiimeko ezinjalo, imveliso entsha iphuhliswa - amakhadi amaninzi.

I-Essence

Ukuhlawula ibhokisi le-ruble ngaphandle kwelinye elingenakunceda. Imali ayihlawulwanga kwi-akhawunti ngokukhawuleza, kodwa emva kokuqinisekiswa kokusebenza. Ngeli xesha, izinga lokutshintshiselana litshintshe ngokuphawulekayo. Unokwenza amakhadi amathathu-i-ruble, i-dollar kunye ne-euro-kwaye uhlawule i-khomishini kubo. Kodwa kule meko uza kufuneka uhlale uhamba nabo kwaye ukhumbule yonke i-PIN-code. Oku kukhululekile.

Ikhadi lokudibanisa imali edibeneyo linamathele kwiqela elithile (amaninzi amaninzi). Ukukhethwa kweyunithi yemali ngexesha lokuthengiselana kwenzeka ngokuzenzekelayo. E-US, iimali ziya kubhalwa kwi-akhawunti ye-dollar, eYurophu, izakhiwo ziza kwenziwa nge-euro kunye naseRashiya-kwi-ruble. Ukuba imali ye-akhawunti ihluke kwizinto ezintathu ezikhoyo, ngoko - kuxhomekeka kwimithetho yebhanki - imali evela kwi-akhawunti ephambili iya kubhalwa ingqalelo imali yokuguqula.

Amakhadi e-Multicurrency akhutshwe ngeenkqubo zeentlawulo zamazwe ngamazwe i-MasterCard kunye ne-VISA. Iklasi ayinayo ingxaki. Umxhasi angalungiselela yena uMaestro, Classic, Platinum, Gold, njl.

Ngoobani

Amakhadi e-Multicurrency athandwa kakhulu kubakhenkethi nakubantu boshishino. Kodwa ummi osemgangathweni onjalo iplastiki ayilimazi. Ungasoloko usebenzisa i-akhawunti kwi-ruble, nangaphambi kokuya kwelinye ilizwe ukuthenga idola okanye i-euro.

Izinzuzo

• Ukungafani. Ukwenza ikhadi ngeemali eziliqela, kwanele ukuhlawula ikhomishini yenkonzo kanye, ukubhala isicelo sokuphinda ukhuphe kwaye ukhumbule i-PIN-code.
• Ukufumana izibalo. Ukuba akukho mali eyaneleyo ekuhlawuleleni umrhumo-mali, enye imali iya kuhlawuliswa, iqwalasele ukuguqulwa. Ukuba udibanisa i-bhanki ye-intanethi, ngoko unokuqhuba ukuthengiswa kwemali kwi-intanethi. Ukubala kwi-Intanethi, ungasebenzisa kwakhona amakhadi emali ehlukeneyo. Amabhanki anika le mveliso, aphuhlise iziphakamiso ezinomdla.

Indlela yomsebenzi

Ikhadi le-multicurrency, ngakwesinye icala, inkumbulo yeplastiki onokuyenza yonke imisebenzi esebenzayo kwaye uthathe inxaxheba kwinkqubo yokwethembeka. Ngakolunye uhlangothi, isondlo sayo sinempawu ezithile. Ekuphunyezweni kokuthengiselana ngamazwe, i-"cash currency" iyavela. Inqunywe ngokuqinisekileyo ngumbutho wezemali, kuxhomekeke kwilizwe apho iintlawulo zenziwe khona. Ngokuqhelekileyo, emva kweeruble inyunithi yecandelo elilandelayo "liqeshwe" idola. Cinga ngeemeko ezisemgangathweni apho ikhodi yemali emininzi yeBhanki yoLondolozo isetyenziswa.

Encinci ibhalansi

Iimali zetyala zerhafu yenkonzo kwisixa sama-ruble 750. Ukuba kukho le mali kwi-balance sheet, ke akukho ziingxaki. Kodwa ukuba ibhalansi kuma-akhawunti, yithi, 1 i-ruble, i-dollar engu-1 ne-euro ezingama-200, inani liya guqulwa. Ku-1 ruble ekhoyo iya kufakwa idoli eguqulwe kwisilinganiso se-1:32. Ama-ruble angama-717 asele. Uya kuxoxwa kwi-akhawunti kwi-euro ngezinga 43.95: 717 / 43.95 = 16.32. Ibhalansi emva kokuthengiselana: gubha. - 0, idola - 0, i-euro - 183.68.

I-invoyisi inemali ngaphandle kwekhoyo

Iindleko zokuhlala ehotele zingama-40 ilitha. Kwiphepha lemali, umthengi unama-ruble ayi-1,000, i-$ 100 kunye ne-euro engu-150. Iidola ziya kuxoxwa kwi-akhawunti.

Makhe siqwalasele omnye umzekelo. I-akhawunti ibonakala kwi-40 латов efanayo. Kodwa kwimephu 0 ruble., I-dollar ayi-0, i-euro eziyi-100. Izinga lokutshintsha: 1 LVL = $ 2.05. Intengiso iya kwenzeka kwiidola. Isixa sokubhala-off siyi $ 82. Iidola ziya kuthengwa nge-euro kwisixa sama-61.50. Ibhalansi kwi-akhawunti iya kuba: i-ruble 0, ii-dollar eziyi-0, ii-euro ezingama-38.5.

Ukuze ugweme ukuguqulwa kabini, kufuneka ugcine ibhalansi ye-akhawunti kunye ne-base currency. Kulo mzekelo ucingwa, le yidola.

Ukunikezela kwimarike

Akukho zonke iibhanki ezikhupha amakhadi anjalo. Phakathi kwezinto ezikhoyo, amaxabiso ahluka ngokubanzi. Enye imibutho yenza ikariti yamahhala, kodwa ihlawulise ii-commissions ezinkulu kwiintengiso. Abanye bahlawula iintlawulo zeenkonzo kwaye banikezela ngeenkonzo ezininzi. Ngoko ke, ukukhethwa kweziko kufuneka kuthathwe ngokungathí sina. Ngaphezu koko, akukho mveliso enjalo kwimarike njengekhadi elininzi lwemali yeBhanki ye-Savings. Phakathi kwamaziko amakhulu eemali, i-Alfa-Bank inezibonelelo ezithandekayo. Abathengi banokuzimela (nge-intanethi okanye ngokubiza umnxeba) badibanise nawaphi na amakhadi ekwereta kwii-akhawunti zemali zangaphandle. Intlawulo yenkonzo ayitshintshi. Kodwa esi sisisombululo esifutshane kwinkinga.

I-VTB inomdla othabatha umdla. Ikhadi leemali ezininzi likhutshwa zingakapheli iintsuku ezi-5 emva kokuba isicelo sifakwe kwaye sivumeleke iminyaka emi-2. Unokuzalisa ibhalansi ngokusebenzisa iifesi zemali kumasebe, ii-ATM, ukudluliselwa kwamanye ama-akhawunti, i-Telebank kunye ne-CONTACT. Ikhadi le-Multicurrency "VTB 24" liza kubiza abathengi abangama-ruble angama-750. (Visa Classic, MC Standard) okanye i-ruble 3000. (Visa / Mastercard Gold) iminyaka emi-2. Ukukhupha kwakhona iindleko ze-ruble ezingama-375. Ukurhoxisa imali kwiibhanki zentsebenziswano, akukho khomishini eyongezelelweyo ityala, kwaye uya kufuneka ukhokhe iiruble eziyi-15 zokujonga ibhalansi. Inani elivumelekileyo leendawo zokuhlala ngeenyanga li-1 million ruble. Umnikazi wekhadi ngokuzenzekelayo uba lilungu leenkqubo zokuphuhlisa.

"Iibhanki zezothutho" zandisa inzala kwimali yemali kwisilinganiso se-10% ngonyaka. Bonke abanikazi bamakhadi baqinisekisiwe ngokuzenzakalelayo kwi-AIG iminyaka emithathu. Iindleko zale nkonzo zifakwe kwinkonzo yonyaka (i-ruble ye-1200.). Ukuba ikhadi alilisebenzisi zingangeenyanga ezili-12, ikhomishini incitshiswa ibe yi-ruble i-150. Ukuhlawulwa kweemali umxhasi uya kufuneka ahlawule i-1.5% yesamba (ubuncinane be-5 euros).

Ezinye iindlela

I-CB "AgroPromCredit" ivula loo akhawunti ngaphandle kwentlawulo. "IBhanki yokuCoca kwe-Interregional Clearing" yeenkonzo ezihlawulwayo ezivela kwi-250 (Maestro) ukuya kwi-3100 (iGold). Ukuba unqwenela, unokufaka isicelo sekharityhulam ye-overdraft kwisantya se-18% ngonyaka. Iindleko zeendlela eziqhelekileyo zokuhlawula kwiziko elifanayo zi: i-Maestro - 150 ruble., Ii-ruble eziqhelekileyo ezingama-700., Igolide-ii-ruble ezingama-2,8 zamawaka. Kwi-Citibank, inkonzo yokudibanisa ikhadi kwiakhawunti yemali yangaphandle yeCitiOne ikhululekile, kwaye i-overdraft inikezelwa ngesiqingatha se-35% ngonyaka. "I-Rosbank" yenza i-multicurrency kuphela iimveliso ezikhethekileyo: i-MasterCard World Signia neVisa Infinite. Imigaqo yabo yenkonzo ithathwa ngabanye ngabathengi ngamnye.

Iingxaki

Amakhadi e-Multicurrency awaxhamli kubo bonke abathengi. Iminyaka emibili yenkonzo kuyimfuneko ukuhlawula ubuncinci be-ruble 1000, ephindwe ngama-2-3 amaxesha angaphezulu kwexabiso elifanayo kwiiplastiki eziqhelekileyo. Ukutshintshwa kwemali kwenziwa kwinqanaba lezorhwebo lebhanki, elingaphantsi kwexabiso lemarike.

Uphononongo

Kwiifom ungakwazi ukudibana nenani elikhulu lokuhlaziywa kwabasebenzisi bee-multi-currency VTB amakhadi. Ininzi yazo ihambelana nomyinge wokutshintshiselana xa uguqula imali. Makhe siqwalasele umzekelo omnye. Umxhasi ufuna ukuzalisa i-akhawunti yakhe ne-euro. Ibhanki ithengisa imali engama-ruble angama-60, kwaye ithenga - i-59.5. Kule meko, xa uzalisekisa ibhalansi kunye ne-ruble akhawunti, imali echazwe kwisilinganiso sama-ruble angama-60 iya kubhalwa. / IYurophu. Ukuba umthengi emva koko ugqibe ukuhlawula ngekhadi kwi-akhawunti, ukuguqulwa kwe-euro kwi-ruble (lwemali-mali) kuya kwenziwa kwinqanaba lika-59.5. Kwimeko yokuqala, ukuthengwa kwenziwa, kwaye kwimeko yesibini, ukuthengisa. Ukurhoxiswa kweemali ngeATM zezinye iziko zezemali, imali eyongezelelweyo ye-1% yemali ityala.

Isiphelo

Iingqinisiso zabathengi zithi ikhadi le-multicurrency "VTB 24" ithuluzi eluncedo lokwenza imisebenzi rhoqo ngeedola ne-euro. Elinye iplastiki, eliqhotyoshelwe kwiingxelo ezintathu kanye, lingasetyenziselwa ukuhlala kwiRashiya nakwamanye amazwe. Kodwa ukuze ungagqithiseli ulwahlulo kumanani kunye nokuguqulwa, kubalulekile ukubeka iliso rhoqo.