Iminyaka emininzi, uSberbank uye wazama ukukholisa abathengi bayo ngemveliso yesikweletu. Izona zibalaseleyo ziimephu zeenjongo ezahlukeneyo. Ingaba yi-debit okanye ikhadi lekhredithi. Xa ukhetho lwenziwa ngokuthanda omnye okanye olunye, luya kubonakala ukuba lukhuphe njani ikariti yeBhanki Yokugcina. Unokwenza oku ngeendlela ezahlukeneyo, ezikhethwa ngabathengi ngabanye ngabanye.
Inkqubo yokukhetha ikhadi
Ngaphambi kokuba ukhiphe ikhadi leSberbank, kufuneka unqume injongo yokuqhagamshelana nebhanki. Ukuba yikhadi lomdaka, ke fumana ukuba yiyiphi inqanaba, ukusalalisa ubungakanani, amazinga omdla njalonjalo. Ikhadi lesikweletu lihlobo oluthile, umda kunye nobubele. Njengomgaqo, unokufumana malunga neenkcukacha kunye neenzuzo kwiwebhusayithi esemthethweni yebhanki okanye ngqo kwiofisi. Kukho nantoni na izithintelo ngokumalunga nababolekayo ekudalweni kwamakhadi. Into ephambili kukuba iminyaka yobudala engaphezulu kweminyaka engama-21, kukho ubungqina bemivuzo, kunye nabaxhasi abahlawulelwayo banamalungelo akhethekileyo okukhupha amakhadi. Nangona kunjalo, ukwenza ikhadi elithi "Sberbank waseRashiya" kuthetha ukufumana ezininzi iinkonzo ezongezelelweyo eziya kuba luncedo kuyo yonke inkonzo yobomi.
Iinjongo eziphambili zekhadi laseSberbank:
- Ukuthenga ngokulula kunye nentlawulo yeempahla;
- inani elikhulu le-ATM likuvumela ukuba uhoxise imali efunekayo phantse naphi na;
- ibhanki ye-intanethi elula ukuyisebenzisa ekuvumela ukulawula iakhawunti yakho, ukuhlawula ukuthenga, iinkonzo, iimboleko, njalo njalo;
- ixesha lobabalo;
- ukukhula okuqhubekayo.
Kwiintlobo ezithile zabathengi, umzekelo, umvuzo kunye nabafundi, kukho ukungafani ekwakhiweni kwekhadi. Kuzo zonke ezinye, umbuzo othi "njani ukukhupha ikhadi le-Sberbank" liya kubonakala lilula. Kwanele ukwenza amanyathelo ambalwa alula kwaye ungasebenzisa ngempumelelo onke amalungelo ekhadi elikhishiwe.
Inkqubo yokwenza ikhadi leSberbank
Indawo enokuthenjelwa apho ukukhupha ikhadi le-Sberbank licebisiwe, ngaba nayiphi na amasebe ayo. Kwanele ukuba umntu obolekayo eze ebhankini kunye neepakethe ezipheleleyo zeempepha, qhagamshelana neengcali ezifanelekileyo, uzalise i-questionnaire kwaye ulindele isisombululo. Ngoku masithethe ngezinto zonke.
Isebe likhethwa yindawo yokuhlala okanye kwisithili esiseduze. Into ephambili ukulungiselela amaphepha afanelekileyo, kuba awuyi kukwazi ukukhupha ikhadi leSberbank ngaphandle kwabo. Le mibuzo iyakubhalwe ngaphambili kwaye igcwaliswe kwiwebhusayithi yebhanki okanye ithathwe ngqo kwiofisi. Ukukhupha ngaphandle kweemeko xa ugcwalisa, kungcono ukuwuzalisa kunye nomqeshwa webhanki. Uluhlu lwamaphepha luquka amaphepha afana neepasipoti, isatifikethi se-2-NDFL ezintandathu zokugqibela zenyanga zomsebenzi, ikopi yencwadi yokurekhoda yomsebenzi, isitifiketi somhlala-phantsi we-inshorensi , inombolo ye-TIN. Abaxhasi abaxhamli bafuna kuphela ukuhambisa isatifikethi semali engenayo. Kubalulekile ukuqonda ukuba ibhanki inokunqanda kwaye ibolekele ngokupheleleyo, ngokubaluleke kakhulu - musa ukuphelelwa yithemba uze uzame emva koko. Ixesha lokuqwalaselwa kwesicelo liyahluka kwiintsuku ezintathu ukuya ezintlanu zokusebenza. Umqeshwa webhanki uya kukwazisa ngokucacileyo isigqibo kwifowuni eboniswe ngumboleki kwiphepha lemibuzo.