Multicurrency cards: bankunan, da yanayi, da damar, da kuma sake dubawa. Multicurrency katin "Savings"

Kafin faruwa a kasashen waje ya ci gaba sayan kudin. Me daidai lasafta - katin ko a tsabar kudi - mai zaman kansa al'amarin. Matsalar ita ce, ga kasashen waje musayar maras tsabar kudi ma'amala hukumar ne high da gudu saya daloli a musayar m. Domin irin haka, shi ɓullo da wani sabon samfurin - Multi-kudin cards.

zuciya

Biya ruble katunan kasashen waje marasa amfani baki ɗaya. Kudi daga asusun rubuta kashe nan da nan, amma bayan gaskatãwa ga aiki. A wannan lokaci, za a iya ƙwarai canza kudin musayar kudi. Za ka iya zana uku cards - da ruble, dollar kuma Yuro - da kuma biya shi wani kwamiti domin sabis. Amma a cikin wannan hali zai ko da yaushe suna da wani sashe su tare da ku, kuma ku ambaci duk PIN lambobin. Shi ne kuma m.

Multi-kudin zare kudi da katin yana da nasaba da dama (yawanci uku) asusun. A zabi na kudin a lokacin da ma'amala faruwa ta atomatik. A US kudi za a rubuta kashe tare da dollar takardar kudi, biya a Turai za a yi a Tarayyar Turai, da kuma a Rasha - a rubles. Idan asusun kudin ne daban-daban daga cikin uku samuwa, sa'an nan - dangane da banki - kudi daga babban asusun za a kuɗin da aka biya dangane da biyan bashin da hira.

Multicurrency cards bayar ta kasa da kasa biyan bashin da tsarin MasterCard Kuma visa. Tare da aji ne ma babu matsala. Abokin ciniki iya cika kanka Maestro, Classic, CD, Gold da sauransu. D.

ga wanda

Multicurrency katunan ne sosai rare daga yawon bude ido da kuma kasuwanci mutane. Amma da talakawan jama'a na wannan roba ba ciwo. Kullum za ka iya amfani da account a rubles, kuma kafin tafiya kasashen waje saya dalar ko kudin Tarayyar Turai.

abũbuwan amfãni

• Versatility. Yin taswirar ga 'yan ago, sau ɗaya isa ka biya kudin domin sabis, rubuta wani aikace-aikace don reissue da kuma tuna PIN.
• 'Yanci na lissafin. Idan balance ba zai isa kudi biya takardar kudi za a deducted sauran kudin dogara ne a kan hira. Idan ka haɗa internet banki, sa'an nan gudanar da wani kasashen waje musayar ma'amaloli zai zama online. Domin online biya, ka kuma iya amfani da Multi-kudin katin. Banks cewa samar da bayanai samfurin, ci gaba ban sha'awa bada shawarwari.

The inji na

Multi-kudin katin - wannan shi ne, a hannu daya, da tarawa roba, wadda za ku iya yi da duk daidaitaccen ayyukan da halartar biyayya shirye-shirye. A daya hannun, ta dakin sabis yana da wasu na musamman fasali. akwai manufar "tushe kudin" dangane da kasa da kasa ma'amaloli. Yana tilasta kudi ma'aikata, dangane da kasar da ƙauyuka. Sau da yawa bayan rubles wadannan asali monetary naúrar "rubũta" da dollar. Ka yi la'akari da halaye na a cikinsa amfani da Multi-kudin katin Sberbank.

kananan alãma

Tare da katin kuɗin da aka biya sabis fee a cikin adadin 750 rubles. Idan balance yana da adadin, to, babu matsaloli. Amma idan asusun balance ne, ka ce: Shin, 1 ruble, 1 dollar da 200 Tarayyar Turai, da adadin zai maida. Don data kasance 1 ruble kara recalculated da dollar a cikin kudi na 1:32. Sauran 717 rubles. Su za a kuɗin da aka biya daga asusun a Yuro a cikin kudi na 43,95: 717 / 43,95 = 16.32. Da ya rage bayan da ma'amala: RUR. - 0 USD -. 0, EUR - 183,68.

Billed a ago wasu fiye da samuwa

The kudin na zaune a wani hotel ne 40 lats. A kan ma'auni na abokin ciniki yana da 1,000 rubles., $ 100. Kuma 150 Tarayyar Turai. Daga cikin lissafi za a kuɗin da aka biya daloli.

La'akari da wani misali. Billed zuwa guda 40 lats. Amma a kan taswira 0 rbl., $ 0. 100 Tarayyar Turai. Exchange rate: LVL 1 = $ 2.05. Ma'amala da zai faru a daloli. Adadin da za a rubuta kashe - $ 82. Dollars za a saya Naira Miliyan Xari 61,50 Tarayyar Turai. a kan asusun da sikẽli zai zama: $ 0, $ 0, 38.5 Yuro ...

Don kauce wa biyu-hira, shi wajibi ne don kula da sikẽli a kan asusu tare da tushe kudin. A cikin wannan misali, shi ne dollar.

Bada shawarwari a kan kasuwar

Ba dukan bankunan al'amuranda wadannan cards. Daga cikin data kasance zabin farashin ne sosai daban-daban. Wasu kungiyoyi zana har taswira for free, amma cajin manyan kwamitocin a kan ma'amaloli. Wasu cajin fee domin sabis da kuma samar da mai fadi da kewayon ayyuka. Saboda haka ya zabi na ma'aikata kamata a kusata tsanani. The fiye da haka, saboda kasuwa ba samfurin kamar Multi-kudin katin Sberbank. Daga cikin manyan cibiyoyin kudin ban sha'awa bada shawarwari da "Alfa-Bank". Customers iya da kansa (ta hanyar da yanar-gizo, ko kuma ta hanyar tarho hotline) su ɗaure wani zare kudi da katin zuwa kudin asusun. Cajin sabis ne bai canja ba. Amma wannan gajere bayani.

More ban sha'awa shawara ne a "VTB". Multi-kudin katin da aka bayar a cikin kwanaki 5 bayan da biyayya da aikace-aikace da kuma shi ne inganci domin 2 years. Cika ma'auni na iya zama a tsabar kudi desks a ofisoshin, ATMs, canja wurin daga sauran asusun, "Telebank" kuma ko da lamba. Multicurrency katin "VTB 24" za kudin abokin ciniki 750 rubles. (Visa Classic, MC Standard) ko 3000 rubles. (Visa / MasterCard Gold) 2 years. Re-bayar Kudinsa 375 rubles. Ga tsabar kudi janye a abokin bankuna ƙarin fee ba a caje, kuma domin da ma'auni na view zai biya 15 rubles. Matsakaicin canja adadin biya ga watan - 1 da miliyan rubles. A katin mariƙin ta atomatik zama ɗan takara na rangwame shirye-shirye.

"Bank Transport" ƙara sha'awa a kan kudi balance na 10% annum. All cardholders suna ta atomatik inshora da AIG a Birtaniya domin shekaru 3. A kudin wannan sabis ne kunshe a cikin shekara-shekara sabis (1200 rbl.). Idan katin ya ba amfani a cikin watanni 12, da hukumar an rage wa 150 rubles. Domin cashing abokin ciniki zai biya wani ƙarin 1.5% na adadin (m 5 Tarayyar Turai).

wasu zaɓuɓɓuka

CB "Agropromcredit" yana buɗewa irin wannan lissafi for free. "Interregional share Bank" for daidai sabis zarginta da 250 (Maestro) zuwa 3100 (Gold) rubles. overdraft za a iya bayar a wata kudi na 18%, idan so katin. The kudin na al'ada wajen biya a wannan makaman ne: Maestro - Rub 150, Standard - Rub 700, Gold - 2,8 ka .... The "Citibank" sabis don haɗa katin da kudin kasashen waje asusun CitiOne free kuma overdraft da aka bayar a cikin kudi na 35% annum. "Rosbank" yi multicurrency kawai m kayayyakin: MasterCard Duniya Signia da Visa Infinite. Su yanayin sabis suna dauke akayi daban-daban ga kowane abokin ciniki.

shortcomings

Multicurrency katunan ne da amfani ba kowane abokin ciniki. A lokacin da shekaru biyu da sabis zai biya wani m na 1000 rubles., Wanne ne 2-3 sau fi da kudi ga al'ada robobi. Musayar kudin kasashen waje ne da za'ayi a cikin kasuwanci banki kudi, wanda shi ne muhimmanci a kasa kasuwa.

reviews

A cikin forums, za ka iya samun manyan yawan comments VTB Multi-katin masu amfani. Mafi yawansu dangantaka da musayar kudi a lokacin da tana mayar kudi. La'akari da daya misali. A abokin ciniki yake so ya cika lissafi a rubles Tarayyar Turai. A banki sayar da kudin for 60 rubles, da kuma sayo -. Domin 59,5. A irin wannan yanayi, recharge da ruble za a billed, tuba a cikin kudi na 60 rubles. / Yuro. Idan abokin ciniki sa'an nan ya yanke shawarar biya kashe katin a jere, da Yuro hira cikin rubles (tushe kudin) za a gudanar a cikin kudi na 59,5. A cikin farko idan sayan ne da za'ayi aiki, da kuma na biyu - da sayarwa. Domin withdrawals daga ATMs wasu kudi cibiyoyin wani ƙarin ƙarin biya na 1% na adadin.

ƙarshe

Abokin ciniki reviews bayyana cewa Multi-kudin katin "VTB 24" - mai amfani kayan aiki a dauke da fitar m aiki tare da daloli da kuma Tarayyar Turai. Daya roba, wanda aka a haɗe kai tsaye zuwa uku asusun za a iya amfani biya a Rasha da kuma kasashen waje. Amma ba su overpay a kan bambanci a rates da kuma hira kamata kullum saka idanu da sikẽli.