Bank debit cards can be used not only to store money, but also to generate income. Moreover, there are several ways to achieve what you want:
- cashback;
- interest on the balance.
Let's consider each type of earnings on debit cards, as well as what nuances should be paid attention to.
How a new technology for promoting financial services emerged
For the first time, the famous electronic payment system PayPal
.
And the idea of such a viral promotion was proposed by Elon Musk
. Nowadays, he produces electric cars and launches spaceships, and in 1999-2000 he was one of the owners and managers of the PayPal service.
Musk's idea was simple: if a new customer signs up for PayPal at the invitation of a friend, both people will receive a certain amount in their accounts. Since the introduction of this innovative practice, the number of users
payment
system began to increase by 7-19% daily
. Over the course of 3 years, the number of the company's clients grew from several thousand to several million. The total costs of the service for promotion were about 60-70 million rubles. This is significantly lower than the cost of traditional advertising.
It turned out that promoting goods and services through loyal users is less expensive and more effective. Reward amount for clients
, which are engaged in advertising services, are ultimately
lower than the cost of advertising
on television or the Internet. Relatively speaking, Ivan Ivanov should be paid less for his work than Ivan Urgant.
At the same time, the potential consumer believes more
positive reviews from a
friend
than the acting of a media person in a commercial.
Microfinance organizations that pay to promote their services
The first credit institutions in Russia began to pay money for attracting clients to microfinance organizations.
For example, the Zaimer service is running a promotion “Refer a friend, get 500 rubles.” Each client of this company can receive a special promotional code in their Personal Account and send it to their friends.
If a consumer takes out a loan using such a promotional code, then the person who brought a new client to the service will receive
500 rubles
to your account . With this money he can pay off interest on his own loans.
Please note that the service issues loans to new borrowers at a rate of 0% per annum. So acquaintances
Those who are invited by the company's clients to use its services
receive loans for free
.
Similar conditions are offered by the eKapusta company with its program “Get 500 rubles to your account.” Clients of this service are also given promotional codes that can be sent to friends. If a new borrower, when applying for a microloan, enters a promotional code received from a friend, the service will give him a 30% discount.
(but not more than 500 rubles).
The person who brings a new borrower also receives bonus points
.
The number of these points is equal to the amount of the discount
provided to his friend.
Helping a client choose a bank and open a current account is a task sooner or later faced by everyone who works in the field of accounting, auditing, legal and consulting services or launching startups. In this case, the specialist acts not only as an expert in his field, but also as an agent of the credit institution that he recommends. But few people know that for this you can get a commission from the bank.
Each credit institution has its own rules and requirements for working with agents. For example, Ak Bars Bank has a voluntary affiliate program. Agents cooperate with the bank on very loyal terms: they do not need to submit reports and fulfill plans, and the level of income and involvement in work depends only on their own desire. What needs to be done to ensure that your budget is replenished with commissions from Ak Bars Bank? The answer is in our step-by-step instructions.
Step one: join the affiliate program
To join the Ak Bars Bank affiliate program, you need to fill out an application on the official website. Then the bank manager will contact you and arrange a meeting to collect the necessary package of documents. In general, the process of concluding an agreement with a future agent takes no more than three days. As soon as the agreement is signed, you will receive open access to your personal account of the affiliate program. Its interface is simple and clear.
You will be able to master all its functions on a purely intuitive level: send an application to open a current account and view the status of its consideration, receive information about tariffs and products, stay in touch with bank representatives around the clock.
Since agents work remotely, the process of submitting an application for opening an account has been simplified as much as possible: you only need to fill out two fields of the form - “Client’s full name” and “contact number”. The personal manager will then interact with the client. It is he who will collect and prepare documents. And when the account is opened, you will receive a reward.
Step two: guide the client to choose your bank
Your task is to help the client open a current account. And at Ak Bars Bank you can use this service simply and quickly thanks to the online service.
To open an account, the client does not need to go to the bank. The account number is reserved within five minutes after the agent sends the questionnaire. Counterparties will be able to immediately transfer funds to it. Filling out an application and collecting copies of documents is possible on the same day - this will be handled by the bank manager. He will contact the client at the number specified in the application, announce the conditions, agree on a meeting time and drive up to his office. The completed application and copies of documents will be sent for processing using a special application in the presence of the client. This service allows you to open an account within 24 hours.
The client will need to contact the bank branch directly only after opening an account in order to receive an access key to his Ak Bars Online personal account, through which he will be able to make all debit transactions. However, this procedure will soon become remote: the credit institution plans to introduce a new service to confirm banking transactions.
Step three: receive your commission payments
Cash remuneration is accrued to the agent for each opened bank account. The amount of payment depends on their number: the more accounts are opened, the greater the amount. The minimum cost of one open account is 1.5 thousand rubles, the maximum is 4.5 thousand. Money is paid for the fact of opening.
By joining the bank's affiliate program, an agent can replenish his budget in one more way - by concluding an agreement to attract lending or issue a bank guarantee. This will allow you to receive an additional 1% of the amount of the issued loan/bank guarantee*.
* No more than 50 thousand rubles
PJSC "AK BARS" BANK.
General license of the Central Bank of the Russian Federation No. 2590 dated August 12, 2015. You can view the full list of services by calling: 8 800 2005 303, at bank offices or on the website Akbars.ru . Age limit: 18+
Banks that encourage the promotion of their services
Innovative technologies for attracting customers are also used by banks, which are considered more conservative and “serious” organizations.
Earn 100 thousand rubles at Alfa-Bank
For example, Alfa-Bank clients can receive a link in the mobile application for their friends with a recommendation to issue a debit card. This link can be sent to other people via social networks, instant messengers or email. A useful tool is located in the section of the application called “Earn 100 thousand rubles”.
If the invited person follows the received link, orders a plastic card from the bank and makes a purchase using it, then the account will be credited to the client who brought the new user
, the bank will credit
500 rubles.
The new client
will receive the same amount .
In addition, both people (the bank client and the friend he invited) will take part in the drawing of a super prize of 100 thousand rubles
. This draw takes place every month. In case of victory, both people will receive 100 thousand.
The terms of the “Refer a Friend” promotion at Alfa-Bank are valid until December 31, 2021. The bank does not credit the commission immediately after making the first purchase, but before the 25th of the next month.
"Bring a friend" to Tinkoff
Tinkoff Bank pays its clients to attract friends to use various products: obtaining debit and credit cards, mortgage loans, opening a deposit or current account for a business.
If you attract a new client, both receive bonuses from the bank
: both the one who sent the link and the one who purchased the product using it. The link to invite new users can be obtained in the mobile application or online banking (it is located in the “More” section).
The amount of remuneration for the person who brought a new client to the bank depends on what product he started using. For example, if a newcomer signs up for a Tinkoff Drive card, the person who invited him will receive 300 points (each point is equal to 1 ruble). If a Tinkoff Black card is issued, the bank will award 500 bonuses as a reward. If a new client takes out a mortgage loan, the person who invited him will be awarded 3,000 points.
New clients who started using the bank's services on the recommendation of their friends also receive bonuses. This could be free service for a certain time, crediting miles or 500 rubles to a brokerage account (depending on the selected product).
“Program +1” of Otkritie Bank
Otkritie Bank pays its clients for promoting only card products. The man who brought
to the financial institution
of a new user
1,000 rubles
into his account . This money can be spent for any purpose. Funds are credited within 30 days after the new client makes the first purchase using the card.
Invited friends
They also receive bonuses from the bank -
2,000 points
. They can use them to compensate for their expenses on processed plastic.
By promoting financial services of banks among your friends, you can earn good additional income.
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Cashback
Cashback is the return to the client of a portion of the funds spent on purchases. It’s hard to call it a full-fledged income; rather, it’s a way to save a little. But, be that as it may, there will still be a little more money. However, it is necessary to pay attention to the requirements that the bank may impose.
Mandatory expenses
Many financial institutions pay cashback only if the client spends a certain amount from the card. In this regard, not all banking offers can be considered profitable. For example, if, according to the terms of providing cashback, you need to spend 50,000 rubles per month, and your salary barely reaches 30,000.
It is better to choose a bank with a lower return, but a more realistic limit.
Debit #Cashback card
Apply online
Card account maintenance
Before applying for a card with cashback, you need to calculate in advance whether the cashback will cover the cost of servicing the plastic card. Ideally, the size of the latter should be noticeably lower.
Cashback limit
In most cases, banks set maximum limits on the funds they are willing to return for purchases. For some financial institutions this may be 2,000 rubles, for others no more than 5,000.
Customers who often pay by card can use a little trick. You need to issue several cashback cards, use one first, and when you reach the maximum return bar, switch to the next one.
Categories for accrual
Another important detail. Cashback can be awarded for all purchases or only those made in a certain product category or partner stores. In the second and third cases, the percentages are usually higher, but it is first worth analyzing how beneficial this option is in specific situations. If the client spends most of the money in the nearest grocery store (for which the bank will add 3%), and not in a branded clothing store (with 10% cashback), then it makes sense to settle on an offer with a lower percentage.
