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Hutun banki #17. Multicard VTB

Sannu abokai! Bayan dogon hutu, muna ci gaba da sashin "Bikin Banki" tare da wani tayin mai ban sha'awa. Ina baku hakuri kan yadda ba kasafai ake buga labarai ba. Amma ku da kanku kun fahimci cewa banki batu ne mai alaƙa a gare mu, don haka ba zan iya ba da lokaci mai yawa a kansa ba. Duk da haka, akwai wani dalili da ya sa ba a buga sababbin sake dubawa ba. Shekara daya da rabi da suka wuce, na yi magana game da katin "Dukkan lokaci daya" daga bankin Raiffeisen kuma na canza shi da kaina.

Bari in tunatar da ku cewa a kowane 100 rubles, an ba da maki 2, kuma maki 20,000 za a iya musayar su akan 50,000 rubles. Don yin wannan, dole ne a kashe miliyan rubles. Adadin yana da yawa, amma idan kun raba shi da watanni 20, to kuɗaɗen kowane wata ya kai dubu 50 kawai. Kusan magana, ya juya 5% cashback akan duk sayayya, wanda yayi kyau sosai. Koyaya, tun daga sabuwar shekara, Raiffeisen ya iyakance matsakaicin adadin maki zuwa 1000 a kowane wata, sakamakon haka, kashe sama da dubu 50 ya zama mara riba. Na gama kashe abubuwan da ba su isa in biya ba kuma na gane cewa dole ne in nemi wani abu dabam. Bayan dogon bincike na yanke shawara akan zabi biyu. Na farkon su shine Multicard daga VTB.

Rauni

Tsarin Biyan Kuɗi VISA Gold PayWave / MasterCard World PayPass Shekara-shekara sabis na shekara-shekara 249 rubles / wata, kyauta don siyan kowane wata na 5000 rubles ko fiye Ƙarin katunan Kyauta har zuwa katunan SMS-sanarwa Kyauta kyauta a rassan, a Cashback na mu na ATMs Duba sashin "cashback" Aikace-aikacen wayar hannu Android, Biyan Kuɗi ta iOS ta wayar Apple Pay, Google Pay, Samsung Pay

Oda da karɓar katin

Ya yiwu a nemi Multicard a kan layi, sannan a zo reshen a sami katin da aka shirya. Muna da rassa biyu na VTB a Teply Stan, kuma na zaɓi ɗaya, amma ina tsammanin na zaɓi ɗayan. Sakamakon haka na zo sashe na biyu, maimakon in ce mani cewa na yi sashen da ba daidai ba ne, sai ma’aikatan da ba su da hankali suka fara rataya miya a kan kunnuwansu a cikin tsari “Oh, kuna da wani nau’in kuskure a nan, mu sake fitar da labarin. katin a gare ku, amma a yanzu za mu fitar da wani lokaci da ba a bayyana sunansa ba." Bayan haka, manyan katunan da kansu an yi su na dogon lokaci, kuma ba shakka na yi fushi sosai lokacin da na gane cewa ma'aikacin kawai yana so ya karɓi bonus na aikace-aikacen kansa.

A daya bangaren, Ina son sabis a cikin sashen kanta. Ofishin jin daɗi, ma'aikata masu ladabi waɗanda suka san bayanan samfur sosai. Har ma sun jinkirta kammala aikace-aikacena.

Bayar da kuɗi

Multicard yana da zaɓuɓɓukan dawo da kuɗi da yawa, waɗanda kuma suka dogara sosai akan kashe kuɗin ku na wata-wata. Don tsabta, zan ba da tebur tare da ƙimar tsabar kuɗi.

Sharuɗɗa 5-15 dubu rubles 15-75 dubu rubles Daga 75 dubu rubles Auto Increasingary cashback for gas stations and parking 2% 5% 10% gidajen cin abinci Ƙara cashback ga gidajen cin abinci, cafes, gidan wasan kwaikwayo da tikitin cinema 2% 5% 10% Cash Back Cashback akan duk siyayya 1% 1.5% 2% Tarin Cashback akan komai tare da kari na Tarin 1% 2% 4% Cashback Tafiya akan komai tare da mil. Ana iya kashe su akan tikitin jirgin sama, otal da tikitin jirgin ƙasa 1% 2% 4%> Mafi kyawun tayi shine shirye-shiryen "Tarin" da "Tafiya", suna da yanayin cashback iri ɗaya, don haka kuna buƙatar gano cikakkun bayanai. "Tarin" yana ba ku damar siyan wani abu don kari na cashback akan rukunin kari na VTB. Da kaina, ba na son komai a wurin.

Kuma "Tafiya" yana ba ku damar siyan tikiti akan shafin Travel.vtb.ru. Na karshen madubi ne na OneTwoTrip, don haka ku sani cewa tikiti na iya zama wani lokacin tsada fiye da tayin mafi arha. Ƙarin ƙari na "Tafiya" shine cewa za ku iya rama wani ɓangare na siyan tare da kari (daga kashi 50% na adadin), sabanin All Airlines Tinkoff Bank (kuma babu wani mataki na ramuwa mara kyau).

Babban matsalar ita ce don samun mafi kyawun 4% cashback akan katin, dole ne ku kashe daga 75 dubu rubles da ƙari. Wannan adadi ne mai mahimmanci, ni kaina ba na kashe kuɗi da yawa akan katin kowane wata. A sakamakon haka, irin wannan ƙuntatawa yana yanke yawancin abokan ciniki masu yiwuwa. Amma, idan kun kashe 75 dubu a wata, to, ba za ku iya samun 4 ba, amma 5% don duk sayayya da aka biya ta wayar hannu (Apple Pay, Google Pay, Samsung Pay), wani muhimmin yanayin: lokacin neman katin, kuna buƙatar zaɓar tsarin biyan kuɗi na VISA. Cikakkun bayanai anan.

Yana da ban sha'awa cewa VTB yana ba da tsabar kuɗi ko da don biyan kuɗin gidan jama'a tare da kati ko sake cika ma'auni na wayar, amma, kash, babu kari don sayayya a bankin Intanet. Sakamakon haka, na haɗa Multicard zuwa Bankin Intanet na Tinkoff Bank kuma na biya duk ayyukan da shi, sannan na karɓi cashback don wannan. Kuna iya yin haka tare da Yandex.Money.

Muhimmin batu: Ana ƙididdige tsabar kuɗi zuwa ƙarshen wata kalandar mai zuwa. Wato, don sayayya a watan Janairu, za ku karɓi tsabar kuɗi kawai a ƙarshen Fabrairu.

Kudin sabis

Idan kun kashe 5,000 rubles ko fiye akan Multicard kowane wata, to yana da kyauta a gare ku. Idan wannan yanayin bai cika ba, za a rubuta kwamiti na 249 rubles. Sharadi mai sauƙi ne kuma mai sauƙin cikawa.

Ina tunatar da ku cewa kuɗin sabis ɗin ya ƙunshi babban Multicard da ƙarin ƙarin har guda biyar. Sanarwa ta SMS game da Bath & Jiki a Najeriya zuwa duk katunan shima kyauta ne, babu ƙaranci a nan, kuma ina matukar son sa. Hakazalika, ana kuma taƙaita sayayya na “ƙarin sayayya” yayin ƙididdige kuɗaɗen wata-wata.

Hanyoyin ajiya

VTB tana da babbar hanyar sadarwa ta rassa da kuma ATMs, suna cikin dukkan manyan cibiyoyin kasuwanci da kuma kusa da shaguna da yawa. Hakanan a cikin 2018, VTB ATMs zasu bayyana a tashoshin metro da yawa. Bugu da ƙari, yana da sauƙi don cika katin a cikin bankin Intanet ba tare da kwamiti ba, yana da matukar dacewa (idan bankin da kuke "jawo" kudaden ba ya cajin kwamiti don wannan. Interbank replenishment yana aiki, amma kudin da za a fara zuwa wani asusu na musamman, daga nan ne da hannu ake bukata don canja wurin zuwa asusun katin.

Lokacin alheri

VTB yana da lokacin alheri mai gaskiya da fahimta. Duk sayayyar da aka yi a cikin wata ɗaya dole ne a biya su a ranar 20 ga wata mai zuwa. Da kaina, Ina son wannan hanyar fiye da haɗawa da ƙiyasin kwanan watan.

Bangaren Intanet da aikace-aikacen hannu

A daya bangaren, VTB tana da bankin Intanet mai matukar kyau da sabon application na wayar hannu, sannan a daya bangaren kuma bayan bankin Tinkoff da Rocketbank, yana da matukar wahala a yi amfani da shi. Ba shi da tef ɗin aiki na yau da kullun, kuna buƙatar buɗe kati, zaɓi wani tsantsa, yiwa alama lokacin da ake so. Duk wannan baya sa amfani ya fi dacewa.

A cikin aikace-aikacen hannu, koda lokacin shiga tare da TouchID, kuna buƙatar shigar da gajeriyar lamba daga SMS. Kuna iya, ba shakka, kunna sanarwar turawa don waɗannan dalilai, sannan aikace-aikacen ya “jawo” su ta atomatik. Amma lokacin turawa, dole ne ka buɗe aikace-aikacen kowane lokaci don shigar da sigar gidan yanar gizon bankin Intanet. Don ganin abubuwan da aka tara ko mil, dole ne ku je wani shafi na daban tare da izininku.

Tallafin Fasaha

Banki yana da cibiyar kira ta gargajiya da kuma hira ta wayar hannu ta zamani. Na kira cibiyar kira sau da yawa kuma na gaske, ba na son duk "danna wurin, danna nan" shenanigans, kafin a canza ku zuwa ma'aikacin, dole ne ku shiga cikin abubuwan menu guda uku yayin sauraron robot. Kullum ina ɗaukar IVR rashin mutunta mai amfani. Amma tallafin da kansa yana da kyau, sun amsa duk tambayoyin da ake bukata, kuma lokacin da aka kashe kiran, sun sake kiran kansu.

Na fi son sadarwa ta tes, don haka na yi ƙoƙarin rubuta wa bankin chat ɗin sau biyu. Kuma komai yayi muni sosai. Kwararru sun amsa na dogon lokaci, suna yin tambayoyi masu yawa masu haske, kuma aikace-aikacen ba ya sanar da ku amsoshinsu idan kun kashe shi. Gabaɗaya, labari mai ban tausayi.

Hakanan bankin yana nan akan cibiyoyin sadarwar jama'a kuma yana ba da amsa sosai a cikin saƙonnin sirri da kuma a cikin sakonnin masu amfani (idan kun yiwa shafin bankin alama). Amsoshin suna da kyau, a bayyane yake cewa ana kula da su da hankali.

Tsaro

Bankin yana da ikon yin gaggawar toshe katin a bankin Intanet da aikace-aikacen wayar hannu, da kuma sanya iyaka ga nau'ikan ciniki. Ya kamata in lura cewa rarraba zuwa nau'i-nau'i a nan yana da cikakken bayani dalla-dalla.

Kammalawa

A halin yanzu, Multicard yana daya daga cikin abubuwan da suka fi dacewa a cikin sharuddan cashback: yanayi mai sauƙi don sabis na kyauta, 4% don duk sayayya lokacin da ake kashewa daga 75 dubu, ikon rama kawai wani ɓangare na sayan tare da mil, a babban zaɓi don ciyar da mil.

Abinda kawai mara kyau shine cewa katin yana da kyau kawai ga abokan cinikin da suke kashe fiye da 75,000 rubles a wata. Ko kadan ko kadan kowa yasan da kansa.