Multicurrency amakhadi: amabhange, izimo, amathuba, kanye nokubuyekeza. Multicurrency ikhadi "Ukulondoloza"

Ngaphambi kokuya kwelinye izwe kufanele kuthuthukiswe ukuthenga lwemali. Yini kahle hle ibalwa - card noma ngokheshi - kuyindaba yangasese. Inkinga wukuthi for exchange angaphandle non-cash kuthengiselana ikhomishana kuphezulu futhi ukusebenzisa ukuthenga dollar exchange ungakhululekile. Ukuze Ezimweni ezinjalo, bakhula umkhiqizo omusha - multi-lwemali amakhadi.

inhliziyo

Khokha ruble amakhadi phesheya ezingenanzuzo. Imali kusukela ekulandiseni okungokomlando okwabhalwa ngokuphazima kweso, kodwa ngemva eqinisekisa ukuhlinzwa. Phakathi nalesi sikhathi, ungakwazi kakhulu ukushintsha exchange rate. Ungasondela amakhadi ezintathu - Ruble, dollar kanye euro - futhi ukumkhokhela ikhomishana for the service. Kodwa kulokhu Kuyohlale wabayisa nawe futhi nikhumbule yonke AmaPIN khodi. Libuye esingesihle.

Multi-lwemali lasebhange ixhunyaniswe eziningana (imvamisa emalunga lamatsatfu) akhawunti. Kukhethwa lwemali ngesikhathi kuthengiselana senzeka ngokuzenzakalelayo. Izimali US bayolotshwa phansi off nge dollar izikweletu, izinkokhelo eYurophu zizokwenziwa euro, kanti eRussia - in ruble. Uma i-akhawunti lwemali lihlukile ezintathu etholakalayo, bese - kuye ngebhange lakho - imali kusuka akhawunti main uzobe ezidonswe esekelwe yokukhokha ukuba luguqulwe.

Multicurrency amakhadi esikhishwa International amasistimu wokukhokha MasterCard Futhi Visa. Nge isigaba futhi akunankinga. IKhasimende uzigcwalisa Maestro, Classic, Platinum, Gold nokunye. D.

engibathandayo

amakhadi Multicurrency athandwa kakhulu phakathi izivakashi kanye nabantu ibhizinisi. Kodwa isakhamuzi isilinganiso lokhu plastic akusho ubuhlungu. Ilokhu ungasebenzisa akhawunti in ruble, futhi phambi phesheya ukuthenga zamadola noma euro.

izinzuzo

• Ezihlukahlukene zokusisebenzisa. Ukwenza imephu zezimali ambalwa, once kwanele imali inkonzo, ukubhala isicelo khiphani futhi khumbula PIN.
• Ubulula izibalo. Uma ibhalansi ngeke izimali eyanele ukukhokhela izikweletu uzobe emalini nezinye lwemali esekelwe ukuguqulwa. Uma ukuxhuma intanethi, bese ukwenza lokho exchange angaphandle ukuthengiselana kuyoba online. Ukuze izinkokhelo inthanethi, ungase futhi usebenzise multi-lwemali ikhadi. Amabhange anikeza umkhiqizo idatha, ukuthuthukisa iziphakamiso ezithakazelisayo.

Mshini we

Multi-lwemali ikhadi - lena, ngakolunye uhlangothi, i-plastic ezuziwe, ngawo ungakwazi ukwenza yonke imisebenzi ejwayelekile futhi iqhaza ukwethembeka izinhlelo. Ngakolunye uhlangothi, igumbi layo inkonzo inezici ezithile ezikhethekile. kukhona umqondo wegama elithi "isizinda lwemali" ngokuqondene ukuthengiselana omhlaba. It iphoqa isikhungo sezezimali, kuye ngezimo zezwe ngalinye lapho zokuhlala. Ngokuvamile emva ruble kulandela eziyisisekelo iyunithi yemali "ukunquma" dollar. Cabanga ngezimo ezivamile lapho zisebenzisa multi-lwemali ikhadi Sberbank.

insali encane

Nge khadi ezidonswe Imali yesevisi inani 750 ruble. Uma ibhalansi ine lemali ke akukho izinkinga. Kodwa uma ibhalansi ye-akhawunti kuyinto, bathi, 1 ruble, 1 dollar kanye euro angu-200, inani sizoguqula. Ukuze ekhona 1 ruble kungezwe recalculated dollar ngesilinganiso 1:32. Labo abasele abanga-ruble 717. Bayobe ezidonswe ku-akhawunti e-euro ngesilinganiso 43,95: 717 / 43,95 = 16.32. Uhlala emva kuthengiselana: RUR. - 0 USD -. 0, EUR - 183,68.

Kukhokhiswa ngohlobo ngaphandle etholakalayo

Izindleko lokuphila hhotela 40 lats. On ibhalansi iklayenti has ruble 1,000., $ 100 Futhi 150 euro. Kusukela i-akhawunti izonikwa ezidonswe zamadola.

Cabangela esinye isibonelo. Kukhokhiswa okufanayo 40 lats. Kodwa ebalazweni 0 rbl., $ 0. 100 euro. Exchange rate: LVL 1 = $ 2.05. Okwenziwayo zizokwenzeka zamadola. Inani letawubhalwa off - $ 82. Dollars uzobe wathenga i-isamba 61,50-euro. ngenxa ibhalansi kuyoba: $ 0, $ 0, 38.5 euro ...

Ukuze ugweme kabili ukuguqulwa, kubalulekile ukuba sihlale silinganisela ku-akhawunti ne-base lwemali. Kulesi sibonelo, kuba dollar.

Iziphakamiso emakethe

Akuwona wonke amabhange ukukhipha lamakhadi. Phakathi okukhethwa ekhona amanani zihluke kakhulu. Ezinye izinhlangano bahlelekela ibalazwe mahhala, kodwa ukushaja ikhomishini enkulu ukuthengiselana. Abanye fee inkonzo futhi unikeze anhlobonhlobo amasevisi. Ngakho kukhethwa isikhungo kufanele wasondela sina. Ikakhulukazi ngoba emakethe akulona umkhiqizo ezifana multi-lwemali ikhadi Sberbank. Phakathi izikhungo ezinkulu zezimali iziphakamiso abanentshisekelo "Alfa-Bank". Amakhasimende ingakwazi (nge-Internet noma ngocingo hotline) ukuhlanganisa uxhumano nomsebenzisi yimuphi ikhadi lasebhange ukuze lwemali akhawunti. Icala service aliguquki. Kodwa lokhu isixazululo yesikhashana.

isiphakamiso Okuningi ezithakazelisayo ungaphakathi "VTB". Multi-lwemali ikhadi ikhishwa zingakapheli izinsuku 5 emva kuhanjiswa isicelo futhi sivumelekile iminyaka engu-2. Ubuyise esele kungaba ngesikhathi amatafula imali emahhovisi, ATM, Ukudluliselwa kwamanye ama-akhawunti, "Telebank" ngisho CONTACT. Multicurrency ikhadi "VTB 24" izobiza iklayenti 750 ruble. (Visa Classic, MC Standard) noma ruble 3000. (Visa / Mastercard Gold) iminyaka engu-2. Kabusha Ukukhishwa kubiza ruble 375. Ukuze cash ukuhoxiswa at umlingani amabhange imali eyengeziwe icala, futhi ibhalansi umbono kuyodingeka bakhokhe ruble angu-15. Umkhawulo lemali avumelekile izinkokhelo ngenyanga - ruble 1 million. Umnikazi ikhadi ngokuzenzakalelayo iba umhlanganyeli Isaphulelo izinhlelo.

"Bank Ezokuthutha" ezicela inzalo izimali ukulingana 10% ngonyaka. Zonke abanikazi bamakhadi zingezwa ngokuzenzakalela insured AIG e-UK iminyaka engu-3. Izindleko le sevisi likhona isevisi yonyaka (1200 rbl.). Uma ikhadi alisetshenziswa ezinyangeni ezingu-12, kusho ikhomishana kuyehla kube ruble 150. Ukuze cashing iklayenti kuyodingeka bakhokhe i ezengeziwe u-1.5% inani (okungenani 5 euro).

ezinye izinketho

CB "Agropromcredit" uvula i-akhawunti anjalo mahhala. "Interregional Isula Bank" okwenza inkonzo okuhambisanayo uyala 250 (Maestro) ukuze 3100 (Igolide) ruble. overdraft kungenziwa ikhishwe ngesilinganiso 18%, uma ikhadi oyifunayo. Izindleko ngezindlela ezivamile yokukhokha sikhungo esifanayo: Maestro - RUB 150, Standard - RUB 700, Gold - 2.8 wena .... I "Citibank" inkonzo ukuxhuma ikhadi izimali zakwamanye amazwe ama-akhawunti CitiOne mahhala futhi overdraft inikezwa ngesilinganiso 35% ngonyaka. "Rosbank" benza multicurrency kuphela imikhiqizo okukhethekile: MasterCard Umhlaba Signia kanye ne-Visa Infinite. izimo wabo wenkonzo ezibhekwa ngamunye yeklayenti ngayinye.

amaphutha

amakhadi Multicurrency okunenzuzo akuzona zonke iklayenti. Phakathi neminyaka emibili yenkonzo kuyodingeka bakhokhe ubuncane ruble 1000., Yikuphi izikhathi 2-3 ephakeme kunaleyo izinga sepulasitiki ezivamile. Ukushintshwa kwemali Kwenziwa ngesikhathi commercial yasebhange isilinganiso, okuyinto kakhulu ngezansi emakethe.

Izibuyekezo

On the izinkundla, ungathola inombolo enkulu amazwana VTB abasebenzisi multi-ikhadi. Iningi lazo ezihlobana izinga lokushintshisana lapho ukuguqulela izimali. Cabanga ngalesi sibonelo. Iklayenti ufuna ubuyise i-akhawunti in ruble euro. Ibhange ethengisa lwemali ngoba ruble angu-60, futhi uthenge -. Ngoba 59,5. Esimweni esinjalo, ashona ne ruble kuzokhokhelwa, aguqulwa ngesilinganiso ruble angu-60. / Euro. Uma iklayenti yabe isinquma ukuba isifundazwe sikhokhele ikhadi ilandelana, ukuguqulwa euro ku ruble (isizinda lwemali) izobanjelwa ngesilinganiso 59,5. Esimweni sokuqala ukuthengwa Kwenziwa ukusebenza, kanti eyesibili - ukudayiswa. Ukuze ukuhoxa ATM nezinye izikhungo zezimali i eliqinisekisiwe ezengeziwe 1% semali.

isiphetho

Izibuyekezo Customer sisho futhi ukuthi ikhadi multi-lwemali "VTB 24" - ithuluzi eliwusizo ekufezeni imisebenzi njalo ngama-dollar kanye euro. Omunye plastic, okuyinto unamathele ngqo akhawunti amathathu ingasetshenziswa ukuze ukhokhe eRussia nakwamanye amazwe. Kodwa hhayi overpay ku umehluko amazinga kanye lokuguqulwa kumele sihlale njalo siqaphele ibhalansi.