It's time to transfer money to the Tinkoff Bank card. Let's see if it is convenient to perform such an operation while in Belarus. Well, let's make some payments. Let's check how convenient and simple everything is in the application from a well-known Russian bank.
The most logical way to replenish the card is to transfer money from card to card. But here arise, as my friend says, - "nuances" :)
Firstly, transfers from Belarus to foreign cards can be made through Alfa-Bank. Secondly, if you use this service, then the transfer must go with Mastercards(Maestro) to the card of the same payment system. And I have a Tinkoff Bank card from the Visa payment system - a mismatch :)
Due to the fact that replenishing a Tinkoff Bank card in the amount of up to 30 thousand Russian rubles per month without commissions, we will look for ways to replenish with minimum commission already from translation services.
Let's try to solve the problem in the forehead! :) We will make a transfer from the card of the Mastercard payment system of the Belarusian Alfa-Bank to the card of the payment system Visa Tinkoff Jar.
Enter the card details, name, expiration date and CVV code. You don't need to enter your first and last name. Click on the button "Translate", and we are redirected to the 3D-Secure password entry page.
The password comes within a minute, enter it and ... that's it. Money on the card. Moreover, everything happened so quickly and simply that we did not even expect.
After all, we were preparing for difficulties and hardships :)
And on email payment receipt arrived...
For the sake of interest, we tried again to send 1 thousand rubles to the Tinkoff Bank card. Everything happened exactly the same, quickly and without problems. Even a little boring :)
By the way, during the transfers, we were not offered to save the card data, but then a banner appeared in the application, by clicking on which, you can see such an offer ...
Indeed, it is convenient. Plus, you can add a card automatically, through the camera of your smartphone.
Recognition occurs correctly, it remains only to enter the CVV code. But, unfortunately, the binding of foreign cards is prohibited :(
All transactions are confirmed by SMS - messages from the bank ...
For control, we made another transfer from the dollar card of Belgazprombank (payment Visa system) — everything works quickly and simply. Most importantly, we remind you that the card has 3D-Secure enabled, and there are no restrictions on the card from the bank.
Well, and, of course, if your card is not in Russian rubles, then a conversion operation will be carried out. By the way, we looked at "Operation Stories" and Alfa-Bank, and Belgazprombank - the conversion rate is not indicated anywhere. It has to be calculated manually.
For example, our course when transferring from an Alfa-Bank card was 3,364 BYN for 100 Russian rubles. at the cash desks of Belarusian banks at that time was 3.34 BYN.
When converting, of course, the exchange rate was not the most favorable, but if you need to constantly make such transfers, then it is better to issue a card in Russian rubles, so that later, having bought rubles at the most favorable rate, you can replenish the card, and only then make a transfer.
By the way, using Applications Exchange Rates you can see how much we lose on conversion. Example for the amount of 5 thousand rubles. We took the most close course- 3.365. It can be seen that in the amount of 5 thousand Russian rubles, the losses will amount to 1 ruble 25 kopecks.
So, we figured out the replenishment. It's time to make some payments. Let's say for the phone.
AT "Chosen One" we have 2 labels with the same name at once "My telephone".
It turned out that not only the names of the labels, but also the phone numbers are the same :) It's good that there is an opportunity - to edit or delete one of the labels. Removed, and the order: one phone - one label.
The payment process is very simple and clear.
After payment, the following message is displayed...
You can see the receipt. Immediately a notification is displayed that this payment is already in "Chosen One", and that it can be added to "Auto payment". At the top it is displayed how much money was on the card, how much was written off, and how much is left. There is everything the client needs.
All our operations are reflected in the section "Developments"…
Personal opinion of the tester
According to my feelings, after working with the application, I can only note positive. Even a glitch with two icons did not upset me. Because the application is very convenient, understandable, and displays all the necessary information. I would like Belarusian banks to have just such applications, with the same attitude towards customers. With the same visualization, and just as easy to use.
Compared to last week, the circle of key speakers of the conference has been replenished with new big names. For the first time, a representative of Tinkoff-Bank, Denis Lewandovsky, comes to Belarus.
Denis Levandovsky — Head of the pending orders sector at Tinkoff Bank (Russia)
- I came to Tinkoff Bank actually from the moment of its foundation (beginning of 2008). I personally observed the development of the bank from the first steps. Started as a simple call center employee. At the moment, he holds the position of Head of the pending applications sector.
In 2009, on numerous trips, he conducted training for Russian Post employees on interaction with bank programs (opening deposits at the Post).
Currently actively developing procedures to optimize:
Processes for ordering and receiving documents by clients
. interaction processes with the three largest credit bureaus
. processes of interaction with internal affairs bodies on various issues
Recall that Tinkoff Bank is the first Russian bank that completely abandoned branches. All banking transactions are carried out by phone or via the Internet. The bank declares attentive customer service.
The bank's call center employs 1,200 employees. 98% of customers wait less than two minutes for a response. 95% of problems are solved at the first contact by phone or via Internet Banking.
In Minsk, Denis Lewandovsky will present a report "Tinkoff Bank's Customer Service".
On behalf of the General Partner of the conference, the European Legal Service, the report will be presented by Tatyana BURTSEVA, Vice-President of the company.
T.Burtseva: — The European Legal Service offers its clients a full range of traditional legal services– from urgent legal advice to representation in court.
More than 30 thousand people have already become our regular customers. The European Legal Service is the "personal lawyer" of the client and protects, supports him around the clock in any situation. 
Ivan Trufanov, CEO LLC "Verbari", will talk about the role mobile applications for quality customer service.
Ivan Trufanov: From 2013 to 2014, he worked at Alfa-Bank (Russia) as a senior developer and was responsible for the development of mobile applications for use within the company.
In the summer of 2014 he left for free swimming and runs a mobile app development agency, Werbary. Per Last year The agency managed to implement enough activities a large number of projects.
Among the company's partners are Renaissance Insurance, BFT, RAEC and many others. Werbary is a mobile app development agency. In their work, its employees always follow the main rule: "Product comes first."
Conference page http://infobank.by/3705/default.aspx
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You are just 1 step away from getting a credit card with credit limit up to 300,000 rubles from Tinkoff Bank in Minsk on the most favorable conditions.
Having issued this card you will not have to pay interest on the loan during 55 days.
The interest rate will be 12% , and for registration you only need the passport. In this case, the application processing time will be only 1 day.
To date, this Best offer for residents of the city of Minsk!
Just submit an online application for official website, wait for consideration and get a card!
Availability of Internet banking: Yes
Fee for cash withdrawal at ATMs of the bank: 2,9%
Minimum payment amount: 600
Availability of exclusive discounts and offers on the card: Yes
Interest free period: 55 days
Fee for cash withdrawal at ATMs of other banks: 2,9%
Loan interest: 12,9%
Consideration period (days): 1 days
Credit limit: 300000
Provided documents: The passport
Minimum age: 18 years
Work experience in last place: 3 months
Registration: Russian Federation
Citizenship: Russian Federation
Card issuance fee: Missing
Annual maintenance: 590 rub.
Attention! To apply, go to the official website by clicking on the button below:Apply for a card Online
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Tinkoff Bank JSC is a mono-office bank controlled by businessman Oleg Tinkov. The key segments in which the financial institution operates are credit cards and private deposits. The main feature is remote work with clients using modern communication channels and through representatives.
Get yourself a couple of clicks currency deposit, set up auto payment for "communal" and mobile phone, in a couple of minutes to transfer money to the other end of the globe and not suffer in a bank queue - fantastic? Not!
Banks of Belarus already provide most of these services, but when can we expect absolute freedom from "windows" - we addressed this question to Sergei Kravchenko, executive director of System Technologies.
- 5 years ago, banks were interested in how to speed up customer service in the classic version with branches and a physical presence in the bank. Today, with the development of mobile technologies and the penetration of the Internet, even in small towns, the client requires service not during the day, but quickly and on request in electronic form. The client does not want to go to the bank once again, and the improvement of the legislative framework regarding the digital signature and its recognition, the actions of the National Bank in this regard, makes personal presence at the bank optional.
The current process of leaving the bank only "in the physical plane" comes from three sides. First, there is a growing generation of consumers of innovative banking products who spend several hours a day with a computer or phone and they want to work with the bank through these communication channels. Secondly, the bank is always happy if it is possible not to force a person to stand in line and thereby reduce the cost of bank branches. And for National Bank as a regulator, this is a positive trend, because for him the main thing is to banking products available to everyone at any time.
The point implementation of the principles of "bank without branches" is more correctly called a faster and more efficient way to serve the client. If earlier you sent a document to the bank and waited a long time for it to be received and processed, now Bank operation happens within a few tens of seconds, which means that the client is pleased to use these services and wants to consume them more often.
- Banks without branches is a trend that appears in Europe and gradually comes to us. Banking was not invented in Belarus - it is clear that most of the products are borrowed and localized to suit our economic realities. We see attempts to organize "banks without branches" in Poland, Russia, Ukraine. Most of all, the Russian Tinkoff Bank, in Poland mBank, in Ukraine there are even several of them. Banks of Belarus are technologically ready to switch to the “bank without branches” format. In fact, the only reason to go to the bank now is to get a plastic card.
In my personal opinion, Priorbank, Belgazprombank, MTBank have the most opportunities to switch to the “bank without branches” format.
Over the past 2 years, interest in remote control systems has grown. banking service especially for legal entities. For individuals The ERIP system works great, which removes a huge layer of payment issues from the population.
In my opinion, within 3-5 years a “bank without branches” will appear in Belarus. It is impossible to say at the moment whether this existing bank or some new one will be due to the fact that the National Bank is pursuing a policy of consolidating the banking sector and it is difficult to say what will remain on the market in 5 years. But, clearly, at the moment there is no such bank in Belarus. Moreover, the potential audience of the “bank without branches” in Belarus is all owners of smartphones, that is, approximately 5 million people.
"Bank without branches" obliges to bear double responsibility to the client. If everything works on technology, then this latest system identification, a two-level authorization system, flawless operation of ATMs and constant uninterrupted operation of communication channels. After all, if they do not work, then the client cannot visit the bank - the “bank without branches” has nowhere to go.
- If we talk about what hinders the penetration of the trend in our country, then this is a tough the legislative framework. For example, in order to receive a card with images under PCY, the owner must physically sign all documents. However, some banks are already organizing a visit to the client, which already fits into the concept of a “bank without branches”. It should be noted that the National Bank is taking all possible steps to banking business become more efficient and faster. It should be noted that even the largest state banks encourage their customers to conduct transactions through infokiosks and payment terminals, without using the labor of bank employees. Until such a communication channel becomes commonplace for Belarusians, there is no need to talk about the great success of such a bank system.
Today, in fact, all banks offer one list of services, so the time has come when the client chooses not from the point of view of the proximity of the bank, but from the point of view of manufacturability and speed of operations.
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