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Ranking kont osobistych: w trzech bankach do zarobienia kilkaset złotych
listopad
24
2012
Dobre Konto Banku Millennium, dzięki zwrotom za płatności kartą wciąż pozostaje najlepszym ROR-em w rankingu Open Finance. Mimo że od sierpnia nie zmienił się lider naszego zestawienia, to w ofertach kont sporo się dzieje, niestety przeważają zmiany na niekorzyść. Ewentualne promocje kierowane są przede wszystkim do nowych klientów.

Na drugie miejsce rankingu, tuż za Dobrym Kontem, trafiło Konto z Premią Banku BGŻ, gdzie zarobić można już za samo przelanie wynagrodzenia. Na trzecim znalazło się Konto Uniwersalne Getin Banku, głównie dzięki karcie debetowej, która pozwala na otrzymywanie kilkunastoprocentowego zwrotu od zatankowanego paliwa. Czwarte jest Konto Online EuroBanku, które pozwala zyskiwać na oprocentowaniu i co nieco na bezgotówkowych płatnościach kartą. W sumie dziewięć, czyli prawie jednak trzecia z 29 prezentowanych ROR-ów (po jednym z banku), pozwala przy umiejętnym użytkowaniu dołożyć do domowego budżetu. Z kolei w siedmiu przypadkach spełnienie odpowiednich wymagań, przeważnie dotyczących wpływów na konto lub odpowiedniej liczby transakcji bezgotówkowych sprawia, że ROR jest za darmo.

Na drugim krańcu zestawienia znalazło się 13 ROR-ów, których użytkowanie przez średnio aktywnego klienta banku, ale jednocześnie mocno nastawionego na bądź co bądź tańsze usługi bankowości internetowej, może kosztować nawet ponad 140 zł rocznie.

Na drugie miejsce rankingu, tuż za Dobrym Kontem, trafiło Konto z Premią Banku BGŻ, gdzie zarobić można już za samo przelanie wynagrodzenia. Na trzecim znalazło się Konto Uniwersalne Getin Banku, głównie dzięki karcie debetowej, która pozwala na otrzymywanie kilkunastoprocentowego zwrotu od zatankowanego paliwa. Czwarte jest Konto Online EuroBanku, które pozwala zyskiwać na oprocentowaniu i co nieco na bezgotówkowych płatnościach kartą. W sumie dziewięć, czyli prawie jednak trzecia z 29 prezentowanych ROR-ów (po jednym z banku), pozwala przy umiejętnym użytkowaniu dołożyć do domowego budżetu. Z kolei w siedmiu przypadkach spełnienie odpowiednich wymagań, przeważnie dotyczących wpływów na konto lub odpowiedniej liczby transakcji bezgotówkowych sprawia, że ROR jest za darmo.

Na drugim krańcu zestawienia znalazło się 13 ROR-ów, których użytkowanie przez średnio aktywnego klienta banku, ale jednocześnie mocno nastawionego na bądź co bądź tańsze usługi bankowości internetowej, może kosztować nawet ponad 140 zł rocznie.

Więcej wymagań i niższe odsetki

W ciągu trzech miesięcy, które minęły od poprzedniego rankingu kont, nie obyło się bez zmian. W Millennium jeśli klient nie spełni warunku i nie przeleje na Dobre Konto 1 tys. zł i nie przeprowadzi jednej transakcji bezgotówkowej, zapłaci za kartę już nie 3 zł lecz 4 zł. Z kolei w BGŻ użytkownik Konta z Premią zapłaci za przelew w placówce 7 zł zamiast 5 zł. Przelewy przez telefon zdrożały z 4 do 5 zł. W Kredyt Banku Ekstrakonto Plus nie jest już za darmo, chyba że na konto jednorazowo z tytułu wynagrodzenia wpłynie minimum 1000 zł, inaczej opłata wynosi 7 zł. W Polbanku EFG na Koncie Mistrzowskim oprocentowanie skurczyło się z 3 do 1 proc. W PKO BP nie będzie już można bezpłatnie trzymać nieużywanej karty debetowej w portfelu. Jeśli klient nie zapłaci nią min. 250 zł miesięcznie będzie musiał zapłacić bankowi 2,90 zł.

Banki nieśmiało zapowiadają także zmiany od przyszłego roku. W EuroBanku Konto Online nie będzie już tak hojne - oprocentowanie zmaleje z 3,5 do 3,25 proc., a w Getin Banku wypłata z innych bankomatów niż sieci Euronet (gdzie jest za darmo), wyniesie min. 5 zł, dziś w maszynach BZ WBK i eCardu dolna granica prowizji to 2,99 zł.

Zdarzają się również nieliczne poprawy ofert. Z opłat za przelewy do innego banku w placówce oraz za polecenia zapłaty zrezygnował Bank Pocztowy. Wcześniej pobierał za to po 4 zł. W Getin Banku do niektórych kont można otrzymać kartę płatniczą pozwalającą na otrzymywanie zwrotu od rachunków za tankowanie.

Banki chcą płacić nasze rachunki

Wyobraźnię klientów banków pozytywnie mogą rozbudzać również ogłaszane ostatnio hucznie przez Credit Agricole i trochę ciszej przez PKO BP promocje na zwrot 10 proc. od opłacanych za pośrednictwem bankowych kont rachunków. W obu przypadkach dotychczasowi posiadacze kont muszą jednak obejść się smakiem, bo promocje skierowane są wyłącznie do nowych klientów. Ale czy faktycznie mają czego zazdrościć? Można zacząć się zastanawiać gdy spojrzy się w regulamin promocji "Oszczędzam na Rachunkach" w Credit Agricole: "Klient otrzyma Premię Promocyjną w postaci oprocentowania specjalnego części środków na rachunku konta. Oprocentowanie specjalne wynosi 12,35 proc. (10 proc. netto) dziennie. Jest ono naliczane z góry za jeden dzień od wartości przyrostu salda na rachunku powstałego w danym dniu. Odsetki promocyjne są przekazywane na konto pod warunkiem wykonania płatności promocyjnej rachunku za wodę, prąd, gaz, internet czy telefon)". Jak zapewnia biuro prasowe banku, w opisie tym chodzi po prostu o zwrot 10 proc. wartości wcześniej zgłoszonych rachunków. Promocja trwa pięć miesięcy i w tym czasie klient może uzyskać z banku maksymalnie 200 zł premii. Zainteresowani promocją mają czas na założenie odpowiedniego konta do końca listopada.

Mniej skomplikowana jest promocja PKO BP, ale jej zasięg ogranicza się wyłącznie do rachunków za telefon. Osoby które założyły po 21 października Konto za Zero mogą zabiegać o zwrot 10 proc. rachunków za telefon, czy też doładowania telefonu. Miesięcznie mogą otrzymać maksymalnie 10 zł. Konto uprawniające do promocji można założyć do końca października 2013 roku.


Halina Kochalska
Open Finance

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#14 | nonaislam dnia 02.01.2016 15:56
نقدم لكم شركة الاخلاص لخدمات التنظيف, الشركة الاولى فى مجال الخدمات المنزلية بالسعودية بكافة المدن بها سواء بالرياض او الدمام او جدة او مكة او المدينة المنورة , حيث تقدم الشركة كافة الاعمال المنزلية الشامله والتى يحتاجها العملاء ويبحثون عنها فى كل وقت بمزيد من الجودة والتميز
فشركة الاخلاص بالرياض تعد افضل الشركات العامله فى: التخصصات الاتيه
شركة تنظيف بالرياض
حيث تعد الشركة احسن شركة نظافة بالرياض
وتنظيف الارضيات وغسيل الكنب بالرياض وتنظيف مجالس بالرياض , فضلا عن ان الشركة تقدم خدمات جلى بلاط بالرياض وجلى رخام بالاعتماد على احدث ادوات الجلى عالية الجودة , علما بان الشركة تستخدم افضل المنظفات والمطهرات والمعقمات التى تحقق اعلى نتائج التنظيف المطلوبة فى تنظيف المنازل بالرياض وتنظيف الفلل والشقق وكافة المؤسسات الاخرى شركة نقل اثاث بالرياض
وتتميز شركة الاخلاص بتقديمها لخدمة نقل عفش بالرياض بالاعتماد على اكفأ العمال البشرية المتخصصه فى فك وتركيب الاثاث بالرياض مع العلم ان الشركة تقدمخدمات النقل خارج الممكلة بكل سهولة بالاعتماد على احدث سيارات الشحن الدولى والتى تتميز بالسرعه والامان عند نقل الاثاث , كما تقدم الشركة خدمة تخزين الاثاث بالرياض فى افضل مستودعات التخزين ولفترات كبيرة جدا مع العمل ا الشركة تقدم خدمة تغليف الاثاث بالرياض وتنظيفه وتعبئته على ايدى افضل الايادى العامله بالرياض شركة مكافحة حشرات بالرياض
تعد الشركة من افضل شركات رش المبيدات الحشرية بالرياض والمعروفة بسمعتها الطيبه ومصداقيتها العاليه وكفائتها الغير معقولة اثناء تأدية مهامها المنزلية
وتستخدم اعلى المبيدات الحشرية من حيث الجودة والتى تحقق افضل نتائج لرش الدفان بالرياض , كما ان الشركة تعمل بشكل رئيسى على مكافحة الحشرات بالرياض باستخدام افضل المواد الكيماوية القاتله والفتاكه والتى تقضى على كل انواع الحشرات الاتيه :
شركة مكافحة النمل الابيض بالرياض
شركة مكافحة الصراصير بالرياض
شركة مكافحة الفئران بالرياض
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شركة مكافحة حشرات الفراش بالرياض
شركة عزل خزانات بالرياض
تحافظ على مياه الخزانات وتخلصها من الرواسب والبكتيريا والطحالب الموجوده بقاع الخزانات لتصبح شركة الاخلاص افضل شركة غسيل خزانات بالرياض بجانب خدمات التعقيم والتطهير المميزه التى تتم باستخدام افضل المواد المنظفه والمحاليل المطهره والتى تحقق اعلى نتائج خاصة بتنظيف خزانات المياه بالرياض شركة كشف تسربات المياه بالرياض
تقدم الشركة خدمات كشف التسربات بالرياض من خلال الاعتماد على احدث اجهزة كشف تسربات المياه بدون تكسير والتى تساعد على تحديد مكان التسربات بدقة , فشركة الاخلاص تسعى بكل جهدها للوصل لحل لهذه التسريبات والتقليل من فاتورة المياه الخاصه بك بعد حل مشكلة التسربات بالاعتماد على اقوى وافضل عماله متخصصه وخبرة فى استخدام هذه الاجهزة باحتراف
للتخلص من مشاكل انسداد المجارى بالرياض عليك الاعتماد على شركة الاخلاص كأفضل شركة تسليك مجارى بالرياض متخصصه فى اعمال تسليك البيارات بالرياض باستخدام افضل ادوات التسليك التى تساعد على تنظيف مجرى المياه الرئيسى ليسرى بصورة طبيعية لكى لا يتسبب فى طفح المجارى بالرياض , لذلك تقوم شركة الاخلاص بتقديم خدمة شفط بيارات بالرياض باالاعتماد على احدث وايتات شفط البيارات بالرياض بمختلف الاحجام التى تناسب الكميات المختلفة من المجارى المصرفة
كل هذه الخدمات الشامله تقدم فقط من خلال شركة الاخلاص كأفضل شركة خدمات منزلية بالرياض وبأرخص الاسعار والتكاليف التى تبحثون عنها , فضلا عن ان الشركة تقدم المزيد من العروض والتخفيضات والخصومات المذهله والشامله على كل العملاء الجدد والمميزن , فبادرو بالاتصال بنا من اى مكان بالسعودية واحيائها المختلفة لتجدونا لديكم فى الحال
قومو ب الاتصال بنا على الارقام الاتيه 0581288850
#15 | Begedir dnia 14.02.2016 08:06
#16 | Begedir dnia 03.04.2016 05:17
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المعدات
تستخدم الشركة المعدات والالات الحديثة والمتطورة في التنظيف
رد فعل العميل
تهتم الشركة بمعرفة رد فعل العميل عن الخدمة المقدمة من قبل الشركة
مجتمع العمل
تهتم الشركة بدراسة مجتمع العمل ومعرفة ماينقصه من متطلبات
الشكاوى
تهتم الشركة بتلقي شكاوى العملاء والعمل علي فحصها جيدا
المقترحات
تتلقي الشركة مقترحات العملاء الكرام وتعمل علي تنفيذها بقدر المستطاع
شركة تسليك مجاري بالبقيق
تقوم الشركة ايضا عزيزنا العميل الكريم بخدمات تسليك مجاري المطبخ وتسليك مجاري الحمام ومواسير الصرف الصحي وصيانتها ايضا فستجد ما ترديه من خدمات لدينا فى
شركة مكافحة حشرات بالبقيقو شركة نقل اثاث بالبقيقو شركة كشف تسربات المياه بالبقيق و شركة تنظيف بالبقيق و شركة رش مبيدات بالبقيق و شركة تنظيف خزانات بالبقيق و شركة تنظيف شقق بالبقيقو شركة تنظيف منازل بالبقيق و شركة تنظيف فلل بالبقيق و شركة تنظيف كنب بالبقيقو شركة مكافحة النمل الابيض بالبقيق و شركة تنظيف مجالس بالبقيق و شركة جلي بلاط بالبقيق
لذلك لا تتردد بالاتصال بنا وطلب خدمتنا لاننا رقم واحد فى البقيق
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