How and where to replenish the Tinkoff card without a commission - currency or ruble

In the comments they somehow asked how to replenish the Tinkoff currency card, minimizing commissions. I decided to answer in detail by writing all the methods, including replenishing the ruble cards. Suddenly someone come in handy.

I remind you that I have here compilation of travel mapscan also read.

The content of the article

How to replenish the currency card Tinkoff currency

I recommend the AllAirlines card from Tinkoff with cashback up to 10% for booking, 3-5% for tickets and 2% for all purchases. Read my post Pros and cons of the card.

AllAirlines card (as a gift 1000 rub)>

UPDATE. In 2017, Tinkoff had its own ATMs (about 40 pieces). You can not only withdraw money from the card, but also replenish the card. Rubles and currency are supported. There is only in Moscow.

In general, replenishment of any currency card is possible only in 3 ways:
- Interbank transfer from another currency card
- In cash points to deposit cash currency (various payment services)
- At an ATM or through a bank cashier

After Tinkoff had its own ATMs in Moscow (there are no cash desks, since there are no branches), all methods became available.

  • You can make a currency interbank transferfrom another currency account, but the source bank will charge a fixed fee of 15-30 ye for the transfer. It is necessary to find out the rates of a particular bank, but transfers in foreign currency usually come with fixed fees and are only beneficial if the amounts are large.
  • On the official website of Tinkoff find a listpoints of replenishment and replenish the card with cash currency is true, there are not so many points that accept currency. On cards there is a limit on replenishment without commission up to 10,000 ye per month.
  • In Moscow, you can replenish the card with currency and rublesthrough tinkoff ATMs. Here is a map of the location. In fact, a card with ATMs and third-party replenishment points is one, you just need to put on the left the filters what exactly you need.

How to top up a Tinkoff currency card with rubles

If you initially have rubles, and not dollars / euros, then there will be more ways to replenish the Tinkoff currency card. I will describe all the ways:

  • First you need to withdraw money without commission fromsome of their ruble cards at an ATM or cash register. If you already have cash rubles, then read on. Find an exchanger for RBC with a good exchange rate and exchange rubles for currency there, and then replenish it in cash dollars / euro through replenishment points that accept currency.
  • Immediately bring cash rubles to any itemreplenishment from the Tinkoff site (for example, to Svyaznoy salon) and replenish the Tinkoff currency card, then the conversion will take place at the rate of Tinkoff (during working days and hours there will be an exchange rate of + -0.5%). It is necessary to look at the replenishment day, which is more profitable, the Tinkoff rate or the exchange rate.
  • Make an interbank transfer from your rubleaccounts in a third-party bank on the ruble details of the Tinkoff currency card. Who does not know, for all Tinkoff cards, regardless of the card account currency, there are 4 types of details: rubles, dollars, euros, pounds sterling. This is done so that you can replenish cards in 4 currencies with further conversion into account currency. That is, you find the details for the ruble interbank transfer for your dollar / euro card in the Internet bank Tinkoff and make this same transfer, say, in Sberbank Online in the section of interbank transfers. But! Sber takes for all outgoing payments 1%, so be sure to find out from his bank what his commission is if you do not want to spend it. For example, Avangard will take only 10 rubles, Alpha 0.3%, Homecredit will not take anything. Or go to the next item.
  • Alternatively, have a ruble card Tinkoff,which can be replenished without commission through the Card to card service. One operation 75,000 rubles, you can just 5 operations per day. To transfer without a fee, you do not need to exceed the limit of 300 thousand rubles / month. Thus, for 4 consecutive operations, you can replenish the card for 300 thousand rubles without commission. And then in the Internet bank Tinkoff to convert rubles into dollars or euros at the rate of Tinkoff (during working days and hours will be the exchange rate + -0.5%). Unfortunately, this service does not work for currency transfer, but only between ruble cards.
Card to card does not work to replenish currency cards

Card to card does not work to replenish currency cards

How to top up a Tinkoff ruble card without commission

In principle, almost all the methods have already been listed above, but in order not to extract them from there, I will repeat them separately only for Tinkoff ruble cards.

  • Interbank transfer from any Russian accountin rubles. If your bank does not charge a commission for the outgoing interbank interbank transfer, then the transfer will be without commission. But most often the transfer costs 10-30 rubles, or 0.3-1% of the amount.
  • Fill with another card of a Russian bank throughCard to card service. One operation 75,000 rubles, you can just 5 operations per day. To transfer without a fee, you do not need to exceed the limit of 300 thousand rubles / month. Thus, for 4 consecutive operations, you can replenish the card for 300 thousand rubles without commission. Online and instant translation
  • Top up through recharge points in the city. The replenishment limit without commission is 300 thousand rubles / month, then there will be a commission.

Life hacking 1 - how to buy a good insurance

Choosing insurance is now unrealistically difficult, so to help all travelers, I compile a rating. To do this, I constantly monitor forums, study insurance contracts and use insurance by myself.

Insurance Rating

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