Tinkoff debit card. Tinkoff Black debit multicurrency card with cashback. Review of one of the best debit cards. Savings account program

Tinkoff Black Debit Card

Tinkoff Bank

I have been using this card for 3 months, for me it turned out, at the moment, the best product from the existing ones. This map has collected all the goodies that might be. And if you use it correctly, it brings real income. Transfers to any cards without commissions up to 20t. Rubles, it is very convenient to pay loans (now a debit card is issued for any loan), withdrawals at any ATM without commission when ...

Vitaly, Moscow

The best bank

Tinkoff Bank

I have been a client of this bank for about 3 years, I am very pleased, to open a deposit, to reissue a card, to resolve any issue without leaving home is easy! People who value their time will understand me, it's enough just to call, instead of wasting time in endless queues of offices of other banks! Thank you very much for the excellent service, saving customer time and the desire to remain the best!

Anastasia, Moscow

I like everything

Tinkoff Bank

Most often, reviews are left by people who were dissatisfied with something (service, service, tariffs, etc.) Personally, I am satisfied, for me Tinkoff became the best bank in comparison with those that I used (compare with Sberbank, VTB, Rife). However, there are also disadvantages here: Not a very fair cashback (here the point is in the points and their roughening down). In my opinion, it should be done as in a VTB credit card -...

Nikita, Moscow

Finally, I met an HONEST bank!

Tinkoff Bank

They promised a free year of service and the accrual of 5,000 miles as part of a promotion with S7 Airlines, fulfilled. They promised an increased cashback for purchases in certain stores, they charged it. There is a question, they solve it within 5 minutes by phone. The call, by the way, is free and no "all operators are busy now". Profitable products, ATMs within walking distance throughout Moscow, professional and ...

Victoria, Moscow

Thanks to the bank

Tinkoff Bank

We all often write negative reviews only when we were done badly, or when something went wrong as we thought. So, I decided to write my own review, not angry, but good. It's about a Tinkoff bank debit card. I have been using the card for almost a year and a half. Good mobile bank, convenient internet bank. Cashback and interest on the account balance are constantly received. A month about 500 ...

Vladimir Alexandrov, Moscow

About "profitable" cashback

Tinkoff Bank

I would like to note the very profitable cashback offered by the bank. Everything seems to be very good on the surface, but there are many pitfalls. If you don't read every letter of the bank's proposals, you risk being left with nothing. Everything is designed for the low attentiveness of the client who trusts the bank. You will be deprived of the promised bonuses for not fulfilling, in some cases, absurd conditions. This is...

Da Ti, Moscow

Transfer of wages

Tinkoff Bank

I am a client of the bank. Everything suits me One thing: I would like to arrange a transfer of wages to Tinkov, but the tariffs for me in this case do not change. In the bank where our company is serviced, the conditions are preferential: there is no card commission. Above the limit on cash withdrawal without commission at any ATM, transfer and payment for services without commission. In general, the bank does not have a flexible approach.

Timur, Moscow

Great bank that keeps up with the times

Tinkoff Bank

I have been using the Tinkoff card for a year already, before that there was Sberbank. I am completely satisfied, in case of difficulties there is support in the Tinkoff application, as well as in social networks. Very convenient, recommend Best card - Tinkoff Black

Tinkoff Bank

Hello! I would like to note my experience in using Tinkoff Bank's financial instrument - the Tinkoff Black debit card. I have been using this card not so long ago, and I must admit I was skeptical about the named Bank itself, since, as you understand, there is a great amount of negative information in the media, in particular from representatives of YouTube and other resources. I will say this, each Bank has its advantages ...

order a Tinkoff debit card onlineor by phone. Due to the peculiarities of the bank, personal visits are not provided. The convenience of this option is undeniable. Let's consider the features of the procedure and the advantages provided by the cards.

Tinkoff Black debit card

To order a debit card at Tinkoff Bank, you need to go to the site and select a product from the proposed list. The standard Tinkoff Black card is endowed with Platinum status. But, despite this, it is issued without restrictions and special requirements for customers. Advantages worth noting:

• 3% income is due to customers who do not spend more than 3 thousand rubles on the card. Increased income - 7% - is charged at high costs, but until the balance reaches 300 thousand rubles. With a larger balance, 3% is charged for the difference, and 7% for 300 thousand rubles.
• Cashback 1% for any expenses by bank transfer (except for replenishment of electronic wallets). 5% is refunded on the balance in several categories selected by the client. Several partners of the institution are ready to provide more cashback - up to 30%. To do this, you need to activate the "special offer" in the Internet bank.
• Transfers to accounts in other banks are free of charge.
• When receiving cash over 3 thousand rubles through ATMs of any institution, no commission is charged.
• Convenient management of transactions in the Internet bank.
• The client sets the cost limits for the categories that he creates himself.
• Use of contactless payment technology.

Order Tinkoff Bank debit card

Before order a debit card Tinkoff Blackother products of the bank are worth considering. Tinkoff has a lot of them and each of them can be more profitable for certain categories of clients.

Tinkoff Bank debit cards

• Google Play. Provides an increased cashback of 5% for payments on Google Play. For other purchases, 1% is returned, except for restaurants and cafes - 1.5%.
• Lamoda. Accrues points of this company, which are allowed to pay for goods, in the amount of 7% of the costs. 2% is returned in cash on the balance.
• eBay. When paying by card on the Internet, 2% and 7% in the form of points of the Internet site are charged back.
• Messenger Club. When making purchases from companies acting as Svyaznoy's partners, cashback is charged in the amount set by them. An additional bonus is the accrual of income on the available balance - 7%.
• Mitsubishi. Profitable order a debit card Tinkoff this direction for car owners. Cashback for it is 1%, and when paying at a gas station - 2%.
• AliExpress. For payments on the Internet resource, 2% is returned in money and 7% in points of the site.

Order a Tinkoff card via the Internet

Having decided order a Tinkoff Platinum debit card online, you need to go to the section describing a specific product and click the "Order" button. The questionnaire consists of several items, filling out which does not take much time:

• Full Name;
• Passport data;
• Contact phone numbers;
• Family information;
• Place of work;
• The amount of income.

In the absence of a place of work or informal employment, this should be noted. Many clients consider the convenience of online registration to be the ability to indicate real income, which cannot be confirmed on paper. The bank does not require official documents even for issuing credit cards, which fundamentally distinguishes it from other creditors.

After sending the questionnaire, you should wait for approval. As practice shows, the answer is more often received within 20 minutes. In the speed of receiving a response, after order a Tinkoff debit card online, many users see one of the main benefits of the institution. Refusals on request are extremely rare and can only concern clients who have problems with the law, a negative history of interaction with institutions, etc.

Tinkoff card delivery by mail

The employee will ask several clarifying questions necessary to open a bank account, as well as explain the delivery procedure. It is necessary to tell him a convenient place of receipt. This can be either a home address or a place of work. Having specified the date and time, it remains only to wait for the courier. The bank guarantees delivery within 2 days.

The second option may be suitable for residents of remote or small towns:order a Tinkoff debit card by mail... In this case, having received the postal notification, you must go to your office. Having presented the passport to the employee, the client receives a package with a banking product and a description.

Order a Tinkoff card by phone

Today you can order a debit card Tinkoff and by phone, although few people know about such a possibility. In this case, you need to call the service center and voice your wish.

The employee asks questions that the client must answer. A passport should be prepared in order to name its number. Thus, the procedure differs only in the way of filling out the questionnaire: the employee himself will enter the necessary information, which does not differ from the above. Delivery is carried out by courier or by mail - at the client's choice.

Tinkoff Bank debit card activation

After receiving the card, the client needs to sign on its back. As we remember, this is true for any plastic. After that, you need to activate the product to be able to use it.

You need to do this on the Tinkoff website in the appropriate section. There is a column in which you need to enter the card number. Next, you need to confirm your details. If you are already a customer, it is better to do this through the Internet Bank, by logging in. Here, the procedure takes place almost automatically.

conclusions

As seen, order a debit card Tinkoff Black onlinesimple enough and does not require much effort. Many clients consider it convenient that there is no need to visit offices and sign papers. Free delivery can be ordered to any city. The second option for ordering - by phone can be useful in the absence of access to the Internet at the moment. The rest of the bank's cards are also issued according to a similar procedure.

The Tinkoff Black debit card receives the best reviews: users say that it is equipped with modern banking technologies and is easy to use. Tinkoff offers its clients excellent service and participation in bonus programs. Using TCS allows you not only to profitably spend money, but also to accumulate it. In the article, we will consider the conditions for obtaining it and the package of services provided by the bank with Tinkoff Black. Customer feedback on the card will allow a potential user to form a real idea of ​​it and make the right choice for themselves.

About Tinkoff Bank

Tinkoff Bank is a financial institution that has chosen a non-standard type of customer service for Russia. The fact is that there is not a single Tinkoff branch throughout the country. Branded ATMs are also absent. How does it work and what are the benefits for users?

Tinkoff was founded like the Wells Fargo bank, which used a remote customer service model. Entrepreneur Oleg Tinkov suggested that this method of work could be introduced in Russia. As a result, Tinkoff Bank was founded. Over the past 10 years, new products have been created, the level of service has improved.

Tinkoff issues debit and credit cards for unsecured loans, provides a large selection of co-branded "plastic", allows you to make online payments and even arrange a mortgage on the most favorable terms of other banks. Thanks to Tinkoff products, the user can significantly save on purchases in their favorite stores (Aliexpress, Google Play, Lamoda, Malina, eBay, One Two Trip) and purchase tickets at competitive prices.

Conditions for receiving

The Tinkoff Black card, reviews of which speak in favor of its acquisition, is issued in conjunction with two payment systems: MasterCard World or Visa Platinum. In this case, the account is opened in rubles, US dollars or euros. The card is valid for three years, after which you can close it or continue cooperation with the bank.

You can arrange it without leaving your home. This will require the presence of the Internet and a couple of minutes of free time. At the initial stage, an advantage is already revealed: you do not need to go to a bank branch and wait for your turn. Of the requirements for a potential client - only the age of majority and the presence of a passport.

To get a Tinkoff Black card, reviews of which are very positive, you need to follow a few simple steps:

1. Go to the official website of the bank www.tinkoff.ru.
2. Fill out the application for a Tinkoff Black debit card.
3. Wait for a call from a bank employee who will clarify the accuracy of the entered data and notify about the time of receiving the card. It will be delivered to the specified address (office, home).

After 1-2 days, the new Tinkoff Black will be in the user's hands, after which it will need to be activated by visiting the official website or dialing the toll-free number 8 800 555 10 10. Using this procedure, the client will find out his PIN code, which is necessary for making transactions ...

Card cost

One of the main questions about the Tinkoff Black product, user reviews of which attract more and more new customers, is its price. How much will the registration and annual maintenance of the card cost? The bank's monthly commission on the Tinkoff Black card is 99 rubles. Total for the year comes out 1188 rubles.

Collection and delivery to the specified address is free of charge. In addition, the bank provides an opportunity to issue up to 5 additional cards, for which you do not have to pay. Most of the services from Tinkoff are also carried out without additional monetary contributions. What do you have to pay for? If desired, the client can activate the "SMS-Bank" service, with the help of which the cardholder is notified of all completed transactions. This service will cost 39 rubles if the account is in rubles. The cost will be € 1 or $ 1. The amount is charged monthly.

Free services

The Tinkoff Black card gets good reviews due to favorable terms of service and high reliability of storage and use of funds. For example, the commission for using a card account can be 99 rubles, and maybe 0 rubles. Subject to certain conditions, the client uses the card free of charge. To do this, you need to make a deposit in the amount of 30,000 rubles. (€ 1000, $ 1000) or get a loan for the same money.

After registration, the user is automatically provided with the following free services:

• "Internet Bank" - allows you to pay for services via the Internet, set up auto payment, view your account statement;
• "Mobile Bank" - an application for a smartphone, supports almost all platforms;
• informing by SMS-mailing about actions on "Tinkoff Black".

Customer reviews of the Tinkoff bank debit card confirm the high level of service and the availability of many convenient and free services that make the use more comfortable and enjoyable.

Control of funds

It is important for the user to know how much money is left on the account, where it was spent. In addition, the popularity of paying for housing and communal services, cellular communications and an Internet provider using an online bank is growing. When issuing a Tinkoff Black card, the client is offered free of charge to use the Internet Banking and Mobile Banking services.

To activate the online service, you need to go to the official website and go to the "Internet Bank" tab. A page with a form for filling will open, where you need to enter the card number. After SMS confirmation, the user independently comes up with a login and password to enter his personal account. Now a bank client can carry out many transactions without leaving home. Among them:

• automatic payment according to the specified details and amount;
• money transfers to other accounts;
• the opportunity to find out about the existing fines and pay them;
• reporting on used and remaining funds;
• paying off bills for utility services, loans, etc.

An equally convenient program for controlling money on a card is Mobile Banking. This is an application that works with almost any operating system of a smartphone or tablet: Android, Ayos, Windows, Blackberry. Login and password match the data specified in the Internet Bank.

Tinkoff Black card: conditions and interest, reviews

When registering a payment "plastic", future users are interested in any information regarding upcoming income and expenses for maintaining a bank account. What are the costs and benefits of a Tinkoff Black card? Consider the values ​​in the table:

Tinkoff Black Terms of Use

* The billing period lasts 1 month and starts from the day the card is activated.

Interest is accrued daily, and income is paid once a month using a Tinkoff Black card. Clients give positive feedback on deposits: the bank has one of the highest percentages of remuneration.

Cash withdrawal

Probably everyone who has at least one payment card knows the problem of cashing money. In search of a "native" ATM, precious minutes, and sometimes hours, are spent. Tinkoff's clients do not know such a problem. Despite the fact that a Tinkoff ATM does not exist in principle, cardholders easily withdraw money from any other machine, without thinking about which organization it belongs to. And all because clients do not care where to cash out: the commission is either not charged at all, or is the same everywhere.

When withdrawing an amount from 3,000 to 150,000 rubles. Tinkoff Black user won't pay a dime. If you need to get less than 3 thousand from an ATM, you will have to pay an additional 90 rubles. In the case of larger amounts (from 150 thousand rubles), the commission increases to 2% and will remain so until the end of the billing period.

Card replenishment

You can transfer funds to your account in different ways. In order not to pay additional fees, you can use the following methods:

• transfer money from another card of any issuing bank;
• use the services of Tinkoff partners, including the communication salons Svyaznoy, MTS, Euroset, Beeline;
• through payment systems "Qiwi", "WebMoney";
• transfer from another account by bank transfer (other credit and financial organizations may charge a commission for external transfers to the Tinkoff card).

When crediting funds, it is important to remember that the operation is free of charge only if the top-up amount does not exceed 300 thousand rubles. Otherwise, you will have to pay an additional 2% of the excess.

More about the Cashback system

Cashback makes the Tinkoff Black card even more interesting. Customer reviews often mention pleasant bonuses in the form of money that are returned to the account after making a purchase. Saving is always a pleasure, and with Tinkoff it is not that difficult to do it. The Bank pays out cashback on the Black card in the amount of:

• 1% - for all purchases * ;
• 5% - for goods from categories selected individually for the client;
• up to 30% - for purchases on special promotions from the bank's partners.

* Cashback is not credited when withdrawing funds and making transfers, paying for services or goods in the "Payments and Transfers" section, replenishing electronic wallets, communications, housing and communal services and for some other operations. The full list of exceptions can be found on the bank's website.

Cashback is credited at the end of the billing period. You can track the process in the statement, which is provided to the client on a monthly basis. For each period, up to 3000 rubles are returned to the cardholder.

About Tinkoff Black safety

The most important characteristic of the bank and the products it offers is the reliability of keeping funds in the account. Tinkoff Black is one of the safest cards. For this, several measures have been taken:

• a chip that protects the card from copying;
• customizable limits for withdrawals and payments for purchases over the Internet;
• 3-D Secure technology for secure online transactions;
• the ability to disable payment for goods and services via the Internet;
• blocking SMS notifications with one-time passwords;
• creation of a safe account, which is designed to store funds.

Thus, the Tinkoff Black card is provided with all possible protection measures. User reviews confirm the high level of security and convenience of cash flow control.

Card advantages

Is it worth registering for Tinkoff Black and what are the advantages that distinguish it from other banking products? Let's consider the main positive aspects of the card:

• ease of registration and receipt - without leaving home;
• high level of service and safety;
• convenience of withdrawing funds at any ATM and no commission;
• free services;
• when opening a deposit - interest remuneration and free service;
• support for wireless payment system PayPass / PayWave;
• cashback up to 3000 rubles per month.

There is also a referral program for Tinkoff Black users. For each brought client, a reward of 500 rubles is due.

Apply for a card for free in 5 minutes.

The debit card Tinkoff Black Platinum (Tinkoff Black Platinum) is considered one of the most profitable in Russia, suitable for storing and using your savings. Differs in stylish design, offers favorable terms of use.

Its advantages:

• Every month, Tinkoff Bank accrues income on the balance of the account (for ruble cards - up to 500 thousand rubles - 8% per annum, over 500 thousand - 4%, for currency cards - up to 10 thousand $ / € - 4%).
• Cashback accrual 1-30% of the amount of expenses are returned to the account.
• Free cash withdrawal at any ATM from 3 thousand rubles.
• Transfers from cards of other banks to Tinkoff Platinum via Internet banking (no commission).
• Support for the PayPass contactless payment system is a guarantor of money security.
• Account management through a mobile application and system.
• Online registration.
• Free home delivery by courier.

Conditions and rates

• The cost of servicing a Tinkoff debit card is free(if you have a deposit, a cash loan or an account balance of 30,000 rubles) or 99 rubles / month.
• The SMS-Info service is free of charge.
• Service SMS-bank (notifications to the mobile about all operations) - 39 rubles / month.
• Replenishment of a Tinkoff bank debit card (cash, transfer) - commission 0%.
• Commission for transferring to a card in a third-party bank - 1.5% (at least 30 rubles).
• Cash withdrawal - commission 0% with a withdrawal amount of 3 thousand rubles. or 90 rubles, if less than 3 thousand rubles.

Note: People often ask what is the difference between SMS-Info and SMS-Bank services? With the help of the first one, you will receive notifications about balance replenishment, generation of an account statement, sms about activation / blocking / re-issuance of a debit card. The paid SMS-Bank service makes it possible to receive notifications after each transaction, and about all expenditure transactions (about paying for purchases in stores, the Internet, etc.).

The fee is 99 rubles. per month is not debited from the account if it has 30,000 rubles or if it is zero, i.e. your balance will not go negative.

Additional maps

The client can order from 1 to 5 additional Tinkoff Platinum debit cards to the account for his or another name free of charge, they will be delivered by courier free of charge. For each of them, it is allowed to create limits, prohibit operations, etc.

Order add. Tinkoff debit card is available online, through the Internet bank. It is convenient to use for travel, you can take it with you and store it in different places. It can be easily blocked if necessary.

How to get a Tinkoff debit card?

Step 1. You can only issue it online. To do this, you need to fill out an application on the website (this is the official Tinkoff address on the Internet). To fill out the questionnaire, you need to have a passport of the Russian Federation (the client's age is at least 14 years).

Step 2. Wait for the call from the bank. A Tinkoff employee will inform you of the date of receipt of the card and clarify your data (delivery address - home or to an office in the Russian Federation). Delivery time is 1-2 days.

Step 3. Upon receipt, activation is required. You can activate debit cards on the website www.tinkoff.ru or by calling 8-800-555-777-1 around the clock. You will be given a PIN code, which will be required for cash withdrawals and some transactions, write it down and do not tell anyone.

Step 4. Top up Black in any convenient way.

How to close a Tinkoff debit card?

To avoid problems with the bank, closing a debit card account should be done correctly.

• Notify the bank 30 days before the scheduled closure of the account by calling the call center. Leave a verbal application for closing a Tinkoff Platinum debit card and all services connected to it (sms bank, insurance, etc.).
• Withdraw any remaining money from your account. After resetting the balance, it will be closed automatically.
• Make sure the account is closed. This can be done by phone or in Internet banking, where the status will be listed as “closed”.