We figure out why you need a personal account of Zapsibkombank. How to spend Zapsibcombank bonuses? Zapsibkombank points
How and when are bonuses credited? Where and how to spend bonuses? Where can I find out the number of bonuses?
Bonuses are credited for purchases made with a card with the Bonuses program connected at the time of the transaction.
Accrued Bonuses become available for use after activating their spending. For some types of cards, the spending of bonuses is activated after the threshold for savings through purchases with the card is reached.
Accumulation of bonuses is possible on several cards opened to one account at once.
The maximum number of bonuses for accumulation on cards opened to one account and connected to the "Bonuses" program is determined by the card of a higher class. For example, for the main Classic card and additional Gold SVOBODA - 15,000 bonuses during the year; for the main Classic card and the additional Classic card - 5,000 bonuses throughout the year.
Minimum transaction amount for bonus accrual- 300 rubles or more.
How to increase the number of bonuses to accumulate.
To increase the number of bonuses for accumulation, open a new or additional card of a higher class and connect the “Bonuses” Program to it. For example, to save more with a Classic / Standard card - open Gold, with a Gold card - open Platinum.
Open or connect to your current card the Service Package "Classic - 2019", "Gold - 2019", "Platinum - 2019" and get even more benefits on your debit card. Receive additional bonuses depending on the amount of purchases per month and while maintaining a minimum balance on the card account every day for a month.
Bonuses validity period.
The validity period of bonuses not used by the Participant from the moment of opening an account for recording bonuses is 1 year. Bonuses expire on the day the new bonus accumulation period begins on the bonus account. You can see the date in the Internet Bank service:
My finances> "Bonuses" program.
In what cases are bonuses not credited?
- replenishment (cash or non-cash) of the card,
- cash withdrawal operations, transfers from card to card (from account to account), including by bank details,
- operations for managing deposits (opening, replenishment, partial withdrawal, closing),
- repayment of loans through the Internet Bank service / ATMs / self-service terminals,
- in trade and service enterprises:
- selling by phone and catalogs, including abroad,
- selling lottery tickets or casino chips,
- in fast food outlets (fast foods),
- at the post office,
- identified with the MCC-code specified in the List of MCC-codes of outlets by categories of the "BONUSES" Program
- payments for utilities, telephone, internet, cable TV,
- payment for public services (payment of fines, including traffic fines, alimony and various payments to the budget, etc.),
- transactions of collateral payments and purchases of bonds, brokerage and other financial services,
- payments to transport companies, payment for taxis, purchase of tickets for the metro, buses, aeroexpress trains, suburban trains and other types of transport.
Enjoy your bonuses when shopping in Russia and abroad. You choose where, when and for what to spend Bonuses.
After connecting the "Bonuses" program to your card, manage the program settings: accumulation and spending of bonuses, through the "Internet Bank" or "Mobile Bank" service. Namely:
- Disconnect and enable categories by setting the SPEND setting.
The number of simultaneously operating categories is not limited. - Set appropriate thresholds for spending bonuses.
- Control the accumulated and spent bonuses.
Standard settings set when connecting the "Bonuses" program
When connected, the "COPY" setting is automatically set for all categories. You can change the settings at any time in the Internet Bank in the "Bonuses" program / Account information / Card categories setting, or by means of an SMS request via the Mobile Bank service.
Category | Where bonuses can be used |
---|---|
My clothes | To pay for goods and services in clothing, footwear and accessories stores |
My technique | To pay for goods and services in household appliances stores |
My supermarket | In grocery stores and supermarkets |
My car | At gas stations, car services, shops selling spare parts and car accessories, car dealerships |
My telephone | To pay for telephone services in the Internet Bank, Mobile Bank, ATMs, self-service kiosks and communication shops |
My travels | To pay for air tickets and purchase vouchers in travel agencies and operators |
My entertainment | To pay for services in restaurants, bars, nightclubs, cinemas, billiard rooms, bowling alleys and discos |
My health and beauty | To pay for goods and services in beauty salons, hairdressing salons, spa therapy salons, optics stores, hospitals and dentists |
For some types of cards, the spending of bonuses is activated after reaching the threshold for savings through purchases with the card:
If the number of accrued and (or) available bonuses does not correspond to your calculations, please contact 8-800-100-5005 (calls within Russia are free).
Zapsibcombank launched the BONUSES program, which operates not only in our country, but also abroad. Zapsibkombank: how to spend bonuses?
What are bonuses from Zapsibkombank?
Zapsibkombank points on the card are accumulated only if you have this program connected. There are privileged cards that have automatic connection to the program, but for simple cards this program must be connected for an additional fee.
Zapsibkombank: the "BONUSES" program means that you make purchases in a certain category of goods both in the Russian Federation and abroad. After that, bonuses are awarded to you 5% of the purchase amount. 1 bonus = 1 ruble.
Here's an example: you have accumulated up to 10,000 bonuses. Now you can pay for any product in our country or abroad with these bonuses, but only 99% of the value of the product.
How to connect bonuses to a Zapsibcombank card?
You can connect bonuses through an ATM:
- Insert card
- Enter PIN
- Click on "Service Management"
- Loyalty program
Connect bonuses via the Internet:
- Go to your personal account on the bank's website
- Select "Maps"
- Click on your card and "Connect the loyalty program"
You can keep track of all the accumulated bonuses through Internet banking in your personal account. Also, there you can change the category of goods, upon purchase in which bonuses will be accumulated. There are several categories of products:
- My clothes
- My technique
- My supermarket
- My car
- My telephone
- My travels
- My entertainment
- My health and beauty
To use the bonuses themselves, you change in your personal account opposite a certain category "BUY" to "SPEND" and you can use your bonuses. You can set a threshold for used bonuses and include several categories at once. for convenience.
Nuances of the "Bonuses" program
- The minimum amount for crediting a bonus is 300 rubles. If you spend less, then bonuses will not be credited.
- For a classic card, the maximum number of bonuses per year is 7,500, for additional cards - 3,000 bonuses, for a platinum card - 15,000 bonuses
- Bonuses are valid for 1 year from the date of service activation. Exactly one year later, on the same day, unused bonuses expire.
Bonuses are not accrued for payments for: Internet services, utilities, telephone, mobile communications, cable TV, taxi, train, bus, metro, third-party transport companies.
PJSC Zapsibkombank is one of the largest Russian banks in the Urals. For more than a quarter of a century, this universal credit organization has been carrying out its activities in lending, attracting funds and cash settlement services to the population and organizations. The quality of service, reliability, profitability and high customer confidence only confirm the leading positions in the authoritative ratings of the banking sector of the Urals Federal District. Ease of service is provided by more than 80 offices of the company located throughout Russia, as well as the personal account of Zapsibkombank, available on the official website.
Personal account features
The personal account of Zapsibkombank is distinguished by its functionality and simplicity. Using this free remote service allows you to save time and money, there is no need to go to the office or wait for a specialist to answer by phone, all the necessary operations can be carried out online. The following functions are available for registered users:
- View current account information.
- Loan management (partial and full repayment, application registration).
- Deposits management (opening, renewal, replenishment and closing).
- Formation of account statements.
- Money transfer.
- Formation of statistics of expenses.
- Setting up SMS notifications.
- Receive news and individual offers.
Registration and login to your personal account
You can activate the Internet banking service in one of the following ways:
- Write an application at any branch of the bank and receive an envelope with a login, password to enter the personal account of Zapsibkombank.
- If you have a card, use an ATM and get a login and password on the check.
In both cases, registration as such is not required. It is enough just to open the page for entering the personal section of the site, enter the received data and click the "Continue" button.
After that, a text message containing a one-time password will be sent to the mobile phone number indicated in the application, which should be entered in the page that opens and also click "Continue". The entrance to the personal account of Zapsibkombank becomes available.
In "Zapsimkombank" (this is one of the largest banks in the Ural Federal District in terms of assets, its head office is currently located in the city of Tyumen) there is a special bonus program. Its participants, when paying for goods and services, are profitable to pay with a card, and not in cash. After all, for each purchase made, bonuses are awarded in the amount of five percent of the spent. Accordingly, the more expensive the purchase, the more it returns with bonus points. It should be noted that the program is not intended for all cards - for example, it is not available for holders of Business cards and supercards with a credit limit of “100 days Platinum” from the bank in question.
How to join the "Bonuses" program
To take advantage of the program, Zapsibcombank customers must first activate it. This can be done in several ways:
- at the ATM of Zapsibkombank (for this you need to select the section "Service Management" and then to subsection Loyalty program);
- on the bank's website (here you first need to select the item "Cards" and then click on the link "Connect the loyalty program");
- at a bank branch (just go to a free employee and express your request).
How to spend Zapsibcombank bonuses and other important information about the loyalty program
- The user has the right to freely dispose of bonuses only after debiting funds for the operation, as a result of which these same bonuses appeared on the account.
- Bonuses are awarded only for transactions worth more than three hundred rubles.
- The maximum number of bonus points to accumulate on cards is determined according to the card tier. For example, for Gold format cards (it does not matter if it is basic or additional), the maximum possible number of bonuses accrued per year is 7500, for Classic or Standard format cards - 3000 bonuses per year.
- It is interesting that bonuses are accrued here (in contrast to a large number of other similar programs) both for purchases on the territory of the Russian Federation and abroad.
- One bonus is equal to one ruble for ruble cards. And for currency cards, 1 bonus is considered equal to 3 American cents or 2 euro cents.
- Bonuses can be exchanged for a discount of up to 99 percent of the total cost of purchased goods and services.
To activate bonuses, send an SMS to the short number of the so-called mobile bank or use your Personal Account on the Zapsibcombank online resource. In your Personal Account, you just need to change the option in the appropriate column "Save" on option "Spend"... Here you have the right to specify the limit of bonus points and select exactly those categories of stores and businesses in which you want to shop. When you activate the bonuses and pay with the appropriate card, Zapsibcombank will automatically calculate the exact amount of the discount.
The validity period of bonuses is one year from the date of activation of the program. If during this period they were not used by the program participant, they will "burn out". You can always see the date of the “burn-out” (and the beginning of the new annual period) in your Personal Account on the Zapsibkombank portal.
When there is no bonus accrual
So, Zapsibkombank bonuses are not awarded in the following cases:
- for cash and non-cash card replenishment operations;
- when withdrawing cash from an ATM;
- for card-to-card transfers (in particular, for full details);
- for operations related to deposits (opening a deposit, replenishment, withdrawal, closing);
- when repaying loans (regardless of the method);
- when paying for housing and communal services, mobile and Internet communications, cable TV;
- when paying for public services (fines, alimony, paying taxes, and so on);
- with collateral payments, purchase of bonds and other securities;
- when paying for brokerage and other financial services.
In addition, bonuses are not awarded if you purchase from network marketing companies, and from companies that sell lottery tickets or casino chips. If you pay with a Zapsibkombank card at fast food restaurants or at Russian Post offices, bonus points will not be credited either. The cardholder also cannot count on bonuses when paying for certain transport services (paying for a taxi, purchasing metro passes, tickets for buses, trains, electric trains, etc.). We would like to emphasize that in this case we are talking only about ground and underground transport. When paying for air travel, it is possible to receive and use bonus points.
Available and unavailable MCC codes for Zapsibcombank loyalty program users
Customers who are thinking of how to use Zapsibcombank bonuses as efficiently as possible should have an idea of MCC codes. The English-language abbreviation MCC stands for Merchant Category Code, and simply speaking, it is the code of the direction or scope of the outlet. This code exists in the format of a four-digit number. These numbers are assigned to trading platforms by the issuing bank for the further provision of acquiring services. That is, the MCC code is required to pay using plastic cards of payment systems Visa, AmEx, MIR, MasterCard. Today, the MCC code is assigned directly when setting up a POS terminal - this takes into account the information that was specified by the representative of the outlet in the questionnaire for the issuing bank.
On the Zapsimkombank website there is a document with a list of all MCC codes of outlets where you can spend or simply receive bonuses. They are divided into several groups:
- « My travels» ;
- « My technique» ;
- « My clothes» ;
- "My car";
- "My supermarket";
- « My telephone» ;
- "My health and beauty";
- « My entertainment» .
In addition, the terms of the program specifically stipulate that the bonuses available on the account cannot be accrued or spent on transactions with some specific MCCs - for example, 4111, 4131, 4812, 4814, 4821, 4900, 5046, etc. Full list of such “Forbidden” MCCs can also be viewed on the bank's official website.
Currently, there are practically no banking organizations that do not have their own Internet bank. A service such as Internet Banking allows customers to use a wide range of banking services from the comfort of their home. This article will examine in detail the Internet bank of Zapsibkombank.
Registration and entrance to the personal account of Zapsibkombank
The registration process in the Internet banking service of Zapsibkombank is carried out at the branch of the organization when the client opens his bank account. So, when opening an account, a new client is automatically entered into the bank register. After that, the bank employee issues an agreement to the client, which contains the login and password for authorization.
Registration for cardholders of Zapsibkombank
If you have a bank card of the presented organization, but have not yet been registered in your personal account, then you can register as follows:
- Go to the nearest ATM serviced by Zapsibcombank.
- Insert a plastic card into the ATM.
- Go to the "Internet Banking" section.
- Click the "Register" button.
- Enter your internet bank password.
- Confirm the operation.
- After that, the ATM will print a receipt, which will contain a login for authorization in the system.
- Don't forget to collect your bank card.
In order to use all the functions of Internet Banking, you need to log in to the system. This can be done as follows:
- Go to the website zapsibkombank.ru.
- Select the "Internet Banking" section.
- In the menu that opens, click "Individuals".
- This will open the authorization page. Here you need to enter your username and password in the appropriate fields. Also on this page you can use the password recovery system.
- After entering the login parameters, click the "Continue" button. If the entered data was correct, then you will log in to the system.
You can download Zapsibkombank online to your phone or tablet.
Opportunities of Zapsibkombank Internet Bank for Individuals
Zapsibkombank customers have the opportunity to use the following services:
Mobile bank "Zapsibkombank" opens up the same opportunities for customers.
Mobile application for Android and iOS
In order to further simplify the management of accounts and monetary transactions for its clients, Zapsibcombank has released a special mobile application that has all the functionality of a personal account.
Installing the mobile app
The mobile application runs on Android and iOS operating systems. You can install the application as follows:
- Go to the Play Market (for Android) or the App Store (for iOS).
- In the search, enter the name of the application "Internet Bank Zapsibcombank".
- Download the app to your device.
- After the installation is complete, open the application.
- For authorization, you must enter your username and password from your personal account.
Advantages of the mobile app:
- Card blocking. With this application, you can easily and quickly block your bank card in case of loss or theft.
- Money transfers. Any money transfers are made as simple as possible.
- The presence of all the functions of a personal account.
On the Zapsibkombank website you can find a lot of useful information about the resource.
Payment for services and transfers in the Internet bank
In your personal account, you can easily pay for various types of services. This requires:
- Log in to the system.
- Go to the section "Payment for services".
- Select the required service (You can view the full list of service providers for payment, as well as payment limits, on the website www.zapsibkombank.ru).
- Enter the amount of the payment.
- Confirm the operation.
If necessary, the user can create payment templates and pay for the same type of services in a few clicks. You can also set up auto payments, with the help of which money will be debited from the bank account to pay for certain types of services at the appointed time.
Money transfers
To make money transfers, you need to do the following:
- Log in to the system.
- Go to the section "Money transfers".
- Enter the account number or bank details of the recipient.
- Specify the size of the transfer.
- Confirm the operation.
Loans online "Zapsibcombank" approves only verified subscribers.
Opening a deposit through the personal account of Zapsibkombank
Clients have access to the opportunity to open and replenish time deposits, as well as deposits "on demand" in their personal account. This can be done in the "Deposits" section. Opening of deposits is available in rubles and foreign currency. In this case, funds for opening a deposit are debited from the client's bank account.
Cost statistics
In your personal account, you can view all committed expenses in various categories for any period for all card accounts, as well as for each separately.
It is also possible to add your own expenses, made in cash or from accounts in other banks. These expenses will be included in the general statistics of expenses in the corresponding category.
Bank employees offer their clients the following recommendations for the safe use of the Internet banking functionality:
- Incognito mode. This function allows you to hide and open the balance.
- One-time codes. The client can configure the function of one-time codes, which will be needed to confirm various transactions performed on the account.
- Mobile bank. This service allows the client to receive notifications on his mobile phone about all transactions performed on his account.
Inetbank "Zapsibkombank" offers new opportunities for those who live in a modern rhythm.
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