Pulasitiki penshioni khadi lomwe banki bwino?

Today mabanki apereke osiyanasiyana makadi chikhalidwe. Iwo akhoza kusungidwa maphunziro, ankamvetsa, penshoni, kusamutsa chidwi pa madipoziti. Ndikofunikira kuti mu mawu anapereka kusankha banki yabwino yokonza.

khadi chikhalidwe

Izi mankhwala banki poyambirira linakonzedwa kulandira ndi kusunga zosiyanasiyana ubwino okhudzidwa: ndalamachi, penshoni ndipo ankamvetsa. Koma lero, ntchito ya chida ichi malipiro singathe a muyezo. Penshioni banki khadi m'malo chofukizira MHI malamulo ake, chikalata kuyenda ndi chida malipiro. Amatumiza zithunzi pa mbali ya kuseri kwa pulasitiki zikusonyeza kuti posachedwapa lidzaloŵa m'malo nzika satifiketi penshioni.

kulembetsa

Penshioni khadi ndi chikalata pa ntchito zolembedwa za kasitomala, amene wapereka pasipoti ndi satifiketi penshioni. Kawirikawiri m'ndondomeko zotere ntchito makadi wotchipa - elekitironi, Cirrus, Maestro. Nkhani ndi utumiki wa pulasitiki ufulu. N'loonadi nyengo - zaka 3. Pezani khadi penshioni akhoza kukhala mwachindunji mu ofesi pambuyo kusainira mgwirizanowo. Izi si pulasitiki mwadzina, kotero mulibe kudikira zotsatira kwa nthawi yaitali. SMS mauthenga ntchito ndi Internet banki ogwirizana kwaulere. Kudutsa mu internet banki anachita malipiro aliwonse kuchokera foni kudzutsa mphamvu kupereka ndalama ndi utumiki ammudzi.

Mu zina, penshioni banki khadi ntchito ngati nkhani imene anasamutsidwa ndalama ngongole. Koma si onse mabanki kupereka overdrafts zoimbira ngati malipiro. Service makadi zotchinjiriza moyo amawadalira mabungwe akuluakulu a zachuma. ndalama zawo gawo angakhale ochepa peresenti ya ndalama. Koma chifukwa chachikulu chimene mabanki amakonda kukhala ntchito chikhalidwe, ndi mzere uwu akubweretsa ndalama waung'ono koma azilandira, kumaonjezera yonena za owongolera wa bungwe ndalama.

Pakuti withdrawals mu "nzika" amalipiritsa ATM si mlandu. Koma pali malire mabungwe zoweta ngongole. Mwachitsanzo, mu Sberbank malire tsiku ndi zikwi 50. Opaka. Pakuti kuchotsa kuchuluka zikuluzikulu nkhani kulipira 0.5%.

khadi pantchito mabanki kutula antchito, kuchepetsa ndalama makasitomala, passbook issuance ndi kuonjezera zolowa mu nkhani likuvutika yothandiza "pulasitiki".

Kodi kusankha banki?

Kulanda ndalama kwa nkhaniyo ikuchitika ntchito wopanda. Koma lamulo limeneli amangonena za ubwino chikhalidwe. The kulanda ndalama pakati pa anthu kale mlandu mphamvu. zinthu izi ndi chimodzimodzi mabanki onse. Choncho, posankha m'khalapakati chuma ayenera kuganizira i ena.

Choyamba, nkhani, amene kutchulidwa ubwino wa anthu, khadi ayenera kutsegulidwa. Apo ayi, chifukwa penshioni amakhala ndi kuima mu mzere ku banki. Ndi vuto lomwelo anakumana ndi anthu amene alandira malipiro mwa Post la Russia.

Kachiwiri, zofunika kwambiri amatha kupanga khadi zina nkhaniyi. Ngati khadi penshioni ntchito monga "mphika wamba", kuti kupeza ndalama ayenera kupezeka ndi anthu onse a m'banja. Pankhaniyi, khadi adzakhala yaing'ono.

Kachitatu, m'pofunika kufunsa pasadakhale chiwerengero cha ATMs mu mzinda. Iwo safuna tinganene kuti apereke malipiro chida pa banki lalikulu, ngati mzinda wanu alibe ATMs wa ngongole bungwe kapena abwenzi ake. Cashless kupereka katundu Mulimonsemo, mudzakhala mfulu. Koma achire kulipira mphamvu.

Ngati malipiro chikhalidwe si nthawi yomweyo ntchito, ndipo amasonkhana nkhaniyi mpake kufunsa za kukula kwa chiwongola dzanja pa muyezo otsala. mabanki ambiri kupereka utumiki uwu. Koma pa chikhalidwe cha akukonzekera muyezo winawake mu nkhaniyi kwa zaka zosachepera mwezi.

zinthu Sberbank

Penshioni ndalama Bank khadi amalola zopalira kulandira zina 3.5% kuyenda bwino nkhani. Pa pempho akhoza inakhazikitsa pulasitiki zina 150 rubles ndi kulipira yofanana utumiki wa pachaka. Pankhani ya loko Pin kapena imfa ya khadi kulipira 30 rubles.

Fufuzani pa intaneti banki popanda SMS anauza kugwirizana koyamba sizingatheke. Achinsinsi kwa kutsimikizika ndi kukwaniritsidwa kwa wotuluka adatuma mu mawonekedwe a mauthenga SMS. Pambuyo kalembera pamene inu poyamba fufuzani muyenera kusintha achinsinsi. Ndiye inu mukhoza kusamalira nkhani imene khadi chikugwirizana ndi penshioni ya. Yowerengera chidwi ikuchitika pa bwino nkhani za nkhani 3.5% pa annum. malipiro 1 kamodzi pa chaka.

Social makadi penshioni ndi awiri mavuto akuluakulu. Iwo ntchito kokha pa ATMs mabungwe lachitatu chipani. Kuti ndi kupita kunja ndi malipiro chida sizigwira ntchito.

mapaketi utumiki

khadi penshioni ndalama Bank angathe kutumikira ndi mmodzi mwa zolinga izi tariff: "Full" ndi "Economy". Mbali yoyamba, aliyense ntchito ayenera zikutsimikiziridwa ndi kamodzi achinsinsi, amene adzabwera mu mawonekedwe a uthenga SMS angapo mwasankha. Ndi zinthu zonse za kayendedwe ka ndalama mu nkhani adzakhala kutchulidwa. amalipiritsa mwezi ndi 30 rubles. Phukusi "Economy" sasamalira kasitomala mudziwe wotuluka udzatha, koma mauthenga ndi 3D-kachidindo anafunika kutsimikizira ntchito ya idzayenda.

"Bank of Moscow"

Kuwonjezera Sberbank chikhalidwe "pulasitiki" anamasulidwa ndi mabungwe ochepa m'dzikoli. Penshioni khadi mu "Bank of Moscow" ndi chikalata masiku 10. Ndi Visa elekitironi mukhoza nawo ogulitsira malonda pulogalamu uphungu, chithandizo cha mankhwala, kulandira phindu kwa kuyenda mu yapansi ndi pamwamba zoyendera pa sitima \ d.

Pensioners simungakhoze kutenga mankhwala inshuwalansi pamene inu pitani kuchipatala. Onse deta kale anathamangitsidwa mu khadi. zopalira pulasitiki mukhoza kutenga ngongole mu mawonekedwe a overdraft pa miyezi 2.5 mu pazipita kuchuluka kwa 98% kuchuluka avareji penshoni ndi kubwezera ndi malipiro onse ukubwera.

"Rosselkhozbank"

Izi bungwe ngongole amapereka ufulu khadi MasterCard Dziko gulu kamodzi pochezera dipatimenti. Pa muyezo chifukwa kuchita masamu 7%. Mukhoza mupewe ndalama pa ATMs "Promsvyazbank" ndi "Alfa-Bank." Za ndalama gulu kuti chofukizira nkhani Ngodziwa mu mawonekedwe a mauthenga SMS.

Monga mbali ya "penshioni" phukusi amapereka amasulidwe ku eyiti mapu zina mwa dongosolo m'dera malipiro ndi MasterCard Padziko Lonse. Ophunzira kukhala Russian nzika amene adzalandira penshioni kapena aliyense malipiro ena okhudzidwa. Nkhani tidutse mu rubles Russian.

"Ofunika BANK"

Penshioni khadi la bungwe angagwiritsidwe ntchito kulandira malipiro kuchokera (osakhala) boma FIU. Pa ndalama mwezi zotsalira adzakhala accrue 5%. Kuti mudziwe chikuonetseratu kuti nkhani zofukizira kulandira SMS zidziwitso. Mtengo wa utumiki uwu 30 rubles. pamwezi. Kutaya ndalama akhoza kukhala padziko koloko, kulipira katundu ogulitsira ritelo ndiponso pa Intaneti. Kutapa ndalama popanda kutuma n'chotheka mu ATMs "nzika".

umafuna ena pa msika

Penshioni khadi "amapha-Mansijskogo banki" amalola zopalira kudziunjikira zambiri zokhudza otsala bwino 4%. Kudutsa ATMs akulipireni zofunikira ndi chithandizo kutumiza misonkho.

"PrivatBank" chikhalidwe zopalira pulasitiki kulandira kuyenda bwino nkhani, umene uli oposa 3 mln. Opaka., 7% pa annum, koma withdrawals pa kauntala kulipira 1%. Pangani khadi zitha kukhala mu ofesi ya ulaliki wa pasipoti, satifiketi penshioni ndi kalata kuchokera Authority Security Social.

Pomaliza

The bwino penshioni khadi lililonse munthu amasankha okha. Chiwerengero cha ntchito yokonza mabanki mu msika zazing'ono, koma zikhalidwe za aliyense ali pafupifupi ofanana. Inayambira, ntchito yokonza nkhani, kulanda ndalama chikhalidwe nthawi zonse kwaulere. Koma kwa zidziwitso mwamsanga kayendedwe onse pa nkhaniyi, kugwirizana makadi zina kulipira mphamvu.