10 reasons to go to a Tinkoff Black debit card

For a long time I was a client of a large state bank. I paid the abonent and received in exchange only a means for non-cash payment. No cashbacks, interest on the balance and the like. Then the maps were just maps, and it seemed normal, because nothing better people have not seen. And then came the “Tinkoff” and showed something really new.

I did not order Tinkoff Black, of course. Obviously attractive conditions? Bank without offices and ATMs? A familiar smell scam! But there was a time, in 2013 Tinkoff Black got Alexey Ponomari, our main. Two years passed, nothing bad happened, “Tinkoff” continued to work properly, and I made up my mind.

I will say right away that I do not view Tinkoff Black as a product for life. Then I just crossed over from a blatantly bad map to a profitable one, but I continued and continue to monitor the market in anticipation of an even steeper offer. No success so far. I still use Tinkoff Black, and for two and a half years I have accumulated at least 10 reasons to advise this card to others.

1. It’s easy to order and get

I remember the hell that I got when I made a card from my previous bank. You drank in the office, you sit in line, you sign a lot of papers, you leave. You wait TWO WEEKS until the map is done. Again you drank to the office, again you are sitting in line and finally you get the cherished plastic. Why is it so difficult? Why so long?

The “Tinkoff” is easier. I went to the site, they immediately offered to issue a card online. I drove a minimum of data, a few minutes later I received a call back, clarified something and said: “The courier with the card will come TOMORROW at a time convenient for you and the place.” That’s the service, and it’s all free! I ordered the card on April 2, 2015 at 15:00 and received it on April 3, 2015 at 9:00, that is, in 18 hours. The matter, by the way, was not in Moscow, but in rather provincial Ulyanovsk.

2. Replaces the deposit with the bank

Every month Tinkoff charges 6% per annum on the balance on my Tinkoff Black card. Approximately the same yield banks now offer on deposits and deposits, but with an unpleasant caveat: money can not be touched before the deadline, otherwise interest will burn. I do not like it, because the funds can be needed at any time. With the same success you can keep money under the pillow.

In the case of Tinkoff Black, I freely dispose of my money. I take off, spend, I fill up when I want, and still get income. The card fixes the balance on the account daily and “remembers” how much money the bank owes me. Interest “Tinkoff” pays out every month.

Is there a reservation here? Yes, but it is rather symbolic. If you spend less than 3,000 rubles a month on purchases with a card, then you will not be charged for this month. Is it realistic to spend such a “gigantic” amount for 30 days? You can look at the prices in stores and answer this question yourself.

3. It’s easy to make free

The fee for using Tinkoff Black is 0 rubles per month, if the balance on it has not fallen below 30,000 rubles within a month. Otherwise, there will be a subscriber of 99 rubles a month. Since I use a card instead of a deposit in a bank, this condition is satisfied by itself.

4. Cashback in rubles

It is in rubles. Not in Oleg-rubles, not in Tinkoff-rubles, but in the currency of the Russian Federation. Maps with keshbekom full, only they charge some incomprehensible bonuses. You must first accumulate a number of these “candy wrappers”, and then still find where and what to spend them. At Tinkoff Black, everything is simple and honest. With each purchase, 1% of the cashback is credited in rubles. Once a month, this money falls on the card and is added to the account.

5. Categories of increased cashback and special offers

Every three months, Tinkoff Black proposes to choose three categories, for purchases in which an increased cacheback of 5% is charged. For example, I have now chosen movies, sports goods and entertainment. Increased keshbek acts when buying goods from the active category in any store.

The list of categories available for selection is limited, but it often comes across cafes, transport, gas stations and other topical items of expenditure. Sometimes even supermarkets. In general, the income from the increased cashback is normal.

In addition to the usual and increased cashback, Tinkoff Black constantly conducts shares in conjunction with shops and services. Here the conditions are even better. True, the proposals that are relevant to me are not very often received. I’ll tell you about the most pleasant freebie that I remember.

Some time ago, Burger King had a cool action. When you pay Android Pay, a 50% discount applies to all burgers, and I just pay the smartphone. In Tinkoff Black, a special offer from Burger King appears regularly in the form of a cashback of 20-25% for the first purchase in a month.

As a result, I took a couple of favorite burgers for half the price, and then “Tinkoff” returned me another 25% in the form of cashback, that is, the shares were summed. PROFIT!

6. Cash withdrawal in any ATM of the world without commission

Sometimes cash is needed. Perhaps, the seller does not work terminal or the outlet is completely backward in terms of technology. One way or another, such situations can not be avoided. What do you do in such cases? Looking for an ATM of your bank, because when you withdraw in others there will be a commission. It’s good if the places are familiar and the location of the ATM is known. But sometimes you have to do a whole search operation with the involvement of Google Maps.

Here you have found the cherished electronic cupboard with money. You have the largest bank, so the queue is also big. Nearby there are free ATMs, but the commissioned toad so suffocating, right?

With Tinkoff Black, I generally stopped reading the names on ATMs, because when withdrawing from 3,000 rubles there is no commission anywhere. The amount is just the optimal, for cash calculations I have it for about two to three weeks.

There are no commissions abroad either. During my last vacation, I several times took pictures of lari in Tbilisi through VTB ATMs. No extra money from me was not written off. The course, by the way, was more profitable than in the exchange offices scattered around the city.

7. Transfers to cards of other banks without commission

Often you have to transfer money to someone. For example, after a joint get-together at a bar or buying alcohol for Fridays libations in the office, when he pays one, and then he is thrown onto the card. I have not yet put all my friends on Tinkoff, but that’s not a problem. Tinkoff Black allows you to transfer up to 20,000 rubles a month to cards of other banks without commission. To make a transfer it is enough to know the number of the beneficiary’s card. Money comes instantly. This is the ideal way for quick calculations for small amounts.

If you are talking about a serious amount, for example, for renting an apartment, you can use the interbank transfer through the application. Commissions at the same time do not, limits on the amount – too.

8. Replenishment in the communication salons and cards of other banks without commission

I rarely need to replenish Tinkoff Black, because this card is salary – the employer himself transfers money to it. If you need to make cash, I just drop in at the nearest “Svyaznoy”, “Beeline” or “MTS”. Money comes instantly, you do not need to look for any special ATMs.

Tinkoff Black can be replenished without commission for up to 300 thousand rubles a month from the cards of other banks if you tie them in the mobile application “Tinkoff” or use the Internet bank.

9. Convenient application with expenditure statistics

The application “Tinkoff” has everything I need. Frequent payments and transfers are entered in the favorites and occur in one tap. The entire history of operations and purchases is automatically divided into categories and displayed as a visual diagram. So I control, analyze and optimize expenses.

10. Smart support in chat without bureaucracy

For two and a half years of using Tinkoff Black, I applied to Tinkoff technical support no more than 5 times. For me this is a very good indicator. If something still happens, I’m not calling anywhere, but I just open the chat inside the application and write, as in the messenger.

The average response time of the support specialist is 10 to 30 seconds. The guys communicate without excessive officiality, which I also like, but most importantly – they solve problems and problems quickly and remotely. No trips to the office, no paper bureaucracy. Large, slow-moving banks have much to learn from Tinkoff in terms of quality support.

Instead of concluding

According to the rules, there should be some conclusion, laudatory words about Tinkoff Black and a call to order the card, but first I want to say something else. Although the article and the partnership, everything that is written in it – it’s true. I have long wanted to share my opinion about this map. It seems that I did it fairly objectively.