Virtual map "Tinkoff": review of opportunities and reviews

So, today we will be interested in the virtual map "Tinkoff". This is a completely new possibility that not all banks in Russia can boast of. It will help you make payments without any problems. All you need is a virtual card. And nothing more. A very convenient opportunity, which is used by many clients of Tinkoff Bank. But what does it give? How to get such a thing? What is the impression of customers using this feature?

Description

What is the virtual bank card "Tinkoff"? This issue is of concern to those who are interested in the organization's proposal. It is always important to understand what you will be dealing with. This virtual card is the most common bank plastic. Only in virtual mode. We can say that this is a debit card from Tinkoff Bank with all the requisites and data, only in a virtual format. To use it, you only need to connect to the mobile Internet.

The only thing that is not clear to many is how payment for purchases takes place. Virtual card "Tinkoff" (nominal, they are all such) does not have a so-called reverse side. More precisely contacts that facilitate the reading of information in the store. How then to pay? This process is not so difficult as it seems. After all, new technologies are used to pay for the goods.

Non-contact payment

Thinking about how to use the virtual card "Tinkoff"? To start, you need to order it, and then activate. But more on this later. Most often, customers are interested in how payment for purchases occurs. After all, there are no contacts for reading information in this virtual plastic.

In fact, this is not necessary at all. After all, this card provides for non-contact calculation of NFC technologies. Please note - this process has so far only been launched in the test mode in Russia. For this card receives not the best customer feedback. There is a high probability that you will not be able to pay it in a particular store.

It is not difficult to use it. In order for the data to be read out, it is necessary to touch the mobile phone with the mobile phone on which the virtual card "Tinkoff" will be opened beforehand. Nothing else. The payment is confirmed by your personal signature on the check.

Payment for purchases on the Internet

What opportunities does Tinkoff provide to its customers with a virtual card? There are a lot of them. Clients try to first find out how this "plastic" is convenient and practical before starting it. The first thing you can do is make purchases on the Internet in just a few clicks. You can easily pay in almost every online store for this or that thing. It will only need your card number and expiration date. More precisely, the end date of the work. This is the first opportunity that the product offers. Users are happy with this. In fact, with the virtual card "Tinkoff" you can pay for purchases everywhere: in real life and on the Internet.

Real Shopping

The main purpose of this feature from Tinkoff Bank is payment for any purchases you make using NFC technology. It is currently only being tested. That is, the virtual card "Tinkoff" can be used as a normal debit "plastic", but with its own characteristics. She does not have any specific purposes. Despite the fact that a card is created in the virtual world, it is used quite successfully in the real world.

Disadvantages of this method of payment of acquisitions are. For example, NFC technology is not yet available in all outlets. And, therefore, it is necessary to pay such a card only in certain places. Find out if there is a contactless payment system in the institution by PayPass at the entrance or at the payment terminal. It is for this virtual card "Tinkoff" receives not the best reviews. But do not forget that the technology so far works exclusively in the test mode. Over time, it will be possible to pay everywhere in a non-contact way. In the meantime, we have to endure some inconvenience.

Account replenishment

The virtual card "Tinkoff" (bank) allows you to easily make any actions with the financial resources that "plastic" has. Payment for purchases is not the only destination. In addition, you have the full right to transfer money to an account of a friend, ask for loans from friends, and also in social networks to replenish the balance of accounts.

All these are quite ordinary functions of the usual real bank card. Unless loans can not be requested and in social networks, replenishment is made in an intricate way. And for the implementation of such tasks, the virtual card "Tinkoff" provides for an extremely simple and fast algorithm of actions.

For example, to replenish someone's account, it is enough to know the phone number, address of the page belonging to the recipient, or his e-mail. Nothing difficult. Make a request for the function, enter the required data and wait. Soon they will write off the virtual account, they will pass to your friend. Very comfortably! Now it is not necessary to know the bank details of the transfer recipients! It is enough to have data about the pages on social networks, e-mail and mobile phone of the person to whom you want to transfer money!

Payment of utilities

Another possibility, which is given to the card "Tinkoff", is payment of housing and communal services. Now, through the Internet without real banking "plastic" you have every right to pay payments and receipts for light, water, gas, the Internet and so on. So far, for such a venture, the virtual Tinkoff card is not so often used. At the moment, such experiments are not often held by clients.

Much more often, housing and communal services are paid for by ordinary bank plastics. But those who have already tried to use the virtual opportunities offered by the bank "Tinkoff", are satisfied. All payments made on the Internet do not have any complaints. You are able to use the virtual card "Tinkoff" without any fear. Payments will reach the recipient accurately. There is no reason for panic.

Interaction with electronic wallets

Another nice and pleasing moment is that this card can be attached without any problems to any virtual purses. For example, to "WebMoney" or to the service "Yandex.Money". Here is a multifunctional virtual map "Tinkoff". You can also link it to PayPal without any problems.

How exactly does this process go? Users often admire its simplicity. It is enough to enter data from the card (number, your initials, validity period) in the window of binding the bank "plastic" to the electronic purse, and then confirm the process. Now you can easily conduct transactions between your "Tinkoff" card and electronic payment system. It's easy and simple. Customers remain content with their work.

Mobile wallet

How to get a virtual card from the bank "Tinkoff"? To do this, you will need to create an online wallet from this organization. It will serve as a kind of account, which then becomes attached to the "plastic". That's why sometimes you can find the name "virtual card" Tinkoff "Mobile." After all, without an electronic wallet you will not be able to do anything, so first of all you will have to register it, just go to Tinkoff Mobile's official website and then type in the appropriate registration field Your mobile phone, you will receive a message to activate your wallet, fill in all the information about yourself requested by the system, then confirm the actions.You now have a mobile wallet that will be required in the future Tion.

What's next? Now you are waited by the next process which earns only positive opinions of users. Registration of the card "Tinkoff" (virtual) occurs in just a few touches. After you get yourself a mobile wallet, you will have to come up with an offer to issue cards from the bank. Find Tinkoff Mobile there and proceed with the design. Fill in the "Name on your bank card" field, then click on "Send request". Just a few minutes of waiting - and the card is released. It only remains to activate it for future use.

On activation of the card

But how to do that? Virtual card "Tinkoff" reviews for its activation is mixed. Some say that it is very convenient to conduct this process, others say the opposite. In any case, it is necessary to carry out the idea. Otherwise, you will not be able to use the Tinkoff Mobile card for contactless payment for purchases.

Activation occurs through account replenishment. Here the problems begin for those who do not have any bank cards. After all, you have to replenish the account in this case by means of a payment terminal. They are all located outside the house. It's not too convenient. But if you have a card of any bank, you can make replenishment from it. It's quite easy to translate the virtual "plastic" number on the Internet. As soon as the first funds are received, you can use Tinkoff Mobile (card) without any problems! For this feedback on the product is left positive. Simplicity of activation very much pleases clients.

Getting rid of the card

You did not like Tinkoff Mobile? Then you can get rid of it. But how can I delete the Tinkoff virtual card? It is not so easy to do this. After all, initially a virtual card is attached to your mobile wallet. And they can not remove it simply because the bank employees can not. It turns out, you have to act a little differently. To cancel the virtual card "Tinkoff", you need to remove the mobile wallet from this bank. In no other way will the refusal of virtual "plastic" fail. At the moment this is not provided by the system, which greatly upsets customers. You can just wait until the card expires, and then just do not release it again. Not too fast, but the existing option.

Removal of Tinkoff Mobile occurs only after you have a zero balance on your account. You will first have to spend everything that is available in the mobile bank and on the card. Or somewhere to transfer money. Once the balance for "Tinkoff Mobile" turns out to be zero, go to the system settings and find the "Reset" item there. There will be either the inscription "Delete card", or "Delete purse". Click on the appropriate function, then enter the confirmation code for the operation. Done!

Underwater rocks

Virtual card "Tinkoff. Mobile wallet »has a number of its features. For them, this service receives not too good customer feedback. It has already been said that contactless technology is a new feature that works in a test mode. So, there are still disadvantages in it. The first and most important disadvantage is that not all stores can pay with this card. Only in some organizations now NFC-calculation is provided. Not very convenient.

Further from the shortcomings can be identified that during the removal can occur some problems. So far, getting rid of the virtual card "Tinkoff" without giving up the mobile wallet does not work. This is very problematic. This arrangement frustrates customers. You can still use a virtual card not on all smartphones, but only on those with NFC support. The operating systems with which Tinkoff Bank operates: Android and Windows Phone. It is planned to introduce support for phones with iOS.

But otherwise the card is very good. It allows you to use all the features of the usual Tinkoff debit card, does not require payment for content and re-release. If you carry out transactions up to 40 000 rubles, you will not be charged a commission. Some pluses! Do I have to open a Tinkoff virtual card? If you are not afraid of the need to find a store with support for PayPass, you can safely use this product. He does not leave indifferent!