Internet Payments

    Many in our country have probably heard about payments through payment terminals, various payment systems, etc. However, they still ask me where and how you can pay utility bills, credit, Internet, etc. They say it’s inconvenient to stand with a lot of money at the terminal, you need to enter a lot of data. So let's look at very convenient banking systems ...



    We will be the first to consider Alfabank. Why is it named? So historically, I will answer you, he was the first to launch this service, and I was the first to connect this service in Alfabank.

    We go to any branch of Alfabank and conclude an agreement for their OnLife service. Be sure to indicate the live number of the mobile phone, as SMS will come there with passwords. It will take about 15 minutes. They will give you a plastic card and tie it to an account in Alfabank, the accounts will be in euros, dollars and rubles. I used a ruble account. At the office you will be given a username and password that will need to be changed to your own at the first use. They will also give out a list of ATMs that accept cash to replenish their account.

    The advantages of this system include:
    1) instant replenishment of the account, after you put the money into the ATM, there are no commissions for depositing and withdrawing money
    2) there is a virtual keyboard for entering the password, so in my opinion the security is higher
    3) you can transfer money from your account to Yandex money, the commission is only 2%, the transfer is also instant. In my opinion, it is not expensive enough and there is no need to look for these Yandex money cards. It’s very convenient, I’m used to transferring money, all operations can be done in a few minutes
    4) You can see the loan debt at Alfabank and repay it
    5) You can transfer money in euros, dollars and back
    6) You
    can get insurance 7) You can buy pifs
    8) You can issue a virtual plastic card.

    The last 4 points were a rather dubious pleasure for me personally, but they still add functionality.

    Now about the minuses:

    1) you can not transfer payments to the budget, i.e. to pay taxes and fines, which for me was a significant limitation
    2) there is no field for indicating the recipient’s checkpoint
    3) the transfer fee is 0.3% of the payment amount, but not less than 20 rubles
    4) the monthly payment for no reason is 65 rubles in my opinion, I write in memory
    5) there is no way to print the payment order with a bank note about the payment, you have to go there to the bank

    Let's go further, the second bank was Tatfondbank.

    The meaning and procedure is approximately the same, the functionality is approximately the same - loans, deposits, etc. but they don’t get sms when transferring money with an account, and when you conclude an agreement you are given a sheet with 30ty !!! Session passwords that must be entered at the request of the system. The service is called simply - Remote banking services for individuals.

    From the pros
    1) you can pay taxes and fines
    2) there is a field for indicating the beneficiary's checkpoint
    3) there is no monthly commission for banking services

    Of the minuses
    1) the commission for payment is higher than in Alfabank, namely 1.5% but not less than 20 rubles
    2) there is no transfer to Yandex money
    3) no the opportunity to insure
    4) there is no way to buy currency
    5) there are not many ATMs accepting cash to replenish the account

    The third in the account was Russian Standard Bank. There are a lot of rumors and gossip about the bank around the country, the interest on loans there is really hellish, but it provides banking services on more favorable terms than other banks. The service is called Bank in your pocket.
    When making payments, as well as in Alfabank, sms come to the mobile phone, so indicate it real !!!

    From the pros:

    1) completely !!! free service for settlement and cash services
    2) accrual of 10% per annum on the balance of money in the account
    3) the ability to pay taxes and penalties
    4) the ability to repay loans taken in the Russian Standard, as well as monitoring the status of the loan and credit card,
    5) a wide network of ATMs accepting cash
    6) you can print a payment with confirmation of the payment

    Of the minuses
    1) I would like a virtual keyboard when entering a password
    2) there is no link to the Yandex wallet money
    3) there is no way to buy currency
    4) there is no way to buy insurance
    5) the money deposited in the ATM is credited the next day !!! Not much uncomfortable after Alfabank, but you can get used to it.

    All banks have the opportunity to transfer money to any third parties with a certain daily limit.
    Personally, I used to use Alfabank, now I’m switching to the Russian standard, while I’m satisfied, I hope this article will help habra users to choose a bank and pay for all services in a modern way, spending a minimum of time.

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