How to withdraw money from the exchange? Thinking ahead. What is the minimum amount of funds required to open an account? Withdrawal order

Kwiku's map appeared on financial market in 2013, it was intended for the issuance of microloans to the population. Over the years, its functionality has expanded and today, it is a virtual credit card... It is produced by a microfinance institution called Airloans. The card is used to pay for purchases in online stores. According to statistics, a person buys goods online 2-3 times a month. Credit cards are used to pay in online stores, while there is the possibility of interest-free repayment. For many, it remains unclear how to make purchases using this card, because it is virtual. And also the bank's clients are thinking about how to withdraw funds from it to the account of the Sberbank card.

The card that is issued financial institution Airloans, belongs to the international payment system Visa. Its main purpose is to pay for goods on the Internet. It allows you to shop in the virtual space. A person does not need to leave the house, waste time and money on the road. Purchases are made at any time of the day, this saves a significant period of time.
The card is issued for up to one year, for this reason it has a number of advantages. First, the client of the banking product does not pay for the release of plastic - it is free. Also, the bank does not charge an annual service fee, not all credit institutions provide such an opportunity. The lending rate reaches 29 percent, in each case it is individual. And here credit limit can be up to 200 thousand rubles. Bank customers receive cash bonuses when paying for goods or services; in some stores, cashback is about 30 percent of the total cost of the goods. Also, users have a unique opportunity to repay a loan without interest within 50 days.

How to get a Kviku card

It is easy to get a loan product. To do this, go to the official portal credit institution, there they fill in the mode online application... Prepare in advance the documents necessary for applying for a loan - passport, pension certificate, TIN. The user specifies exact information about himself - date of birth, place of residence, also contact phone number and e-mail address. The main requirements of the bank to the borrower are:

• age from 18 years;
• Russian citizenship;
• presence of permanent registration on the territory of the Russian Federation.

To send the application form, they agree to the terms of the loan, and also get acquainted with the obligations under the agreement.
Consideration of the questionnaire takes a little time, on average about one hour. When the bank makes a positive decision, the borrower is sent registration data on a virtual card to the phone, which was indicated in the questionnaire.
The lending institution does not have many requirements, and the virtual banking product is released within one minute. After receiving the data on the card, the client can immediately make purchases on the Internet.

Important. The bank independently decides how much to approve the borrower.

The validity period of the card depends on how the client uses it. That is, if purchases are not made for a long time, the bank blocks it. When a customer constantly pays in virtual stores, the validity period increases.

Also, the borrower should carefully consider the interest-free loan maturity. Many are mistaken about this, since there is complete confidence that this time is counted from the moment of payment for it. In fact, this is not the case, and the borrower should be aware that the interest-free limit is calculated from the moment the card is issued. That is, if the agreement between the borrower and the microfinance organization was concluded on the first day, then the return Money no commission is calculated from this number, and not from the moment of purchase, which could have been carried out in 20 days.

How to use the Kviku card

Many people have difficulty with paying, but after the first time, everything becomes clear and accessible, and later on there are no difficulties. The main thing to remember is that the card is intended only for cash payments in the global network. It is also worth remembering that purchases are made through the network of MFI partners. Their full list can be found in the personal account on the portal of the microfinance institution where the loan was issued. These are stores of children's goods, clothing, as well as chains of electronic and household appliances, communication salons, stores of accessories and jewelry.

Cash bonuses are credited according to the individual agreement of the trading platform and the MFI, and range from 3 to 30 percent. So, for example, in the M-video network, when paying, a client can receive a cash on his account in the amount of 4 percent of the check amount. One of the most popular foreign trading platforms is Aliexpress, here the cash bonus reaches 6-9 percent. In the Nike sportswear chain, cashback is also 9 percent of the value of the goods. Lamoda allows you to get a bonus of 12 percent, and the MTS mobile salon provides 10 percent cash bonuses. Significant cashback can be obtained when ordering clothes in the Quelle online store, the bonus reaches 30 percent.
The Kviku virtual card offers many benefits:

• the personal account displays complete information on all transactions;
• a credit card statement is sent to your e-mail twice a month;
• cash bonuses are the highest in comparison with other banking organizations;
• the grace period applies to the first purchase;
• all transactions are performed online.

In 2017, Kwiku cardholders have the opportunity to pay in regular stores. This was facilitated by the expansion of functions and the improvement of technical capabilities. A special application is downloaded to a mobile device Apple Pay and Samsung Pay. The card data is attached to it. Pay for purchases in all networks where there is a banking machine with one-touch payment support.

Repayment of the loan amount

The process of replenishing a virtual card is in many ways similar to replenishing a regular credit card. If you have a bank card, the loan is returned in your personal account. This simple procedure will not take long. To deposit funds in this way, they enter the personal account of the microfinance institution. There is a window with a pay button, just click on it to deposit money. Next, a special form will open, it indicates the exact data of the card with which the debt is paid. After that, the site window opens. bank card, where the code received in the message to the phone is entered.
The loan is also paid using a transfer, but before performing this operation, get the full details for the transaction. You can find them in the message that the MFI sent when issuing a virtual card. You can also pay off the debt in Svyaznoy or Euroset cellular salons and in instant payment terminals. In addition, users have access to the option of repayment through e-wallets.

Important. There are no commissions. The main thing is to have the number of the loan agreement with you.

How to withdraw money to a Sberbank card from a kviku account

The answer to this question is on the MFI's website, but most prefer not to read the additional information. From this there is a misunderstanding among the owners of kviku how to withdraw money to a plastic card of Sberbank. This function is not available for the Quickiku virtual card. For this reason, the financial institution offers a huge list of partners with whom you can pay with it and not feel discomfort.

In online stores, the holder of a Quickiku virtual card can buy whatever he wants. These are food, baby products, air and train tickets, and basic necessities. That is, the owner does not have any difficulties with purchases, and most importantly, everything is done quickly. No need to go to the store and waste time choosing a product.
In addition to the fact that money from Quicku cannot be withdrawn to the Sberbank card, the user also cannot replenish the mobile phone balance from it. The service of payment of utility bills is also blocked. With its help, they do not replenish online wallet... You cannot withdraw cash from an ATM - the card is completely virtual and, unfortunately, cannot be inserted into a banking machine. Therefore, it is simply not possible to withdraw cash. The Quick card is used to pay only on trading platforms that sell online.

Most of the reviews about the microfinance organization are positive, since the loan is provided as soon as possible. The client receives approval and a card within one hour, without the need to submit additional documents that confirm the monthly income. Negative reviews are mainly due to the fact that you cannot withdraw money from it. But with a large number of partners, this disadvantage is minimized. Everyone decides for himself whether to take a loan or not. The main thing is to familiarize yourself with all the conditions in detail when filling out the application form for a loan, so that there are no surprises later.

Sberbank clients open brokerage accounts when it becomes necessary to deposit and withdraw funds between trading organizations. But after opening virtual cards, you need to know how to withdraw money from a brokerage account in Sberbank.

If the user of virtual cards knows how to withdraw monetary units from a brokerage account, this will allow you to transfer funds to bank deposits... Also, having the knowledge of performing such actions, the broker will be able to perform work more flexibly with various trading systems.

Apply for withdrawal

You can withdraw money from a brokerage account using two main methods:

1. Contact the call-center.
2. Get access to personal account broker.

The application, which involves the withdrawal of finances up to one hundred thousand rubles, is executed without unnecessary confirmation of the operation. And if the amount of the limit is exceeded, you need to make a phone call to a special service that deals with such manipulations.

Withdrawing funds from a broker account in the QUIK system

To perform such an operation, you must adhere to the following algorithm:

1. Log in to the platform that specializes in trading, in the top menu, click on "Extensions", and select "Non-trading orders" from the list.
2. The next menu will open, where you will need to select the "Withdraw funds" item.
3. A window will appear, representing a kind of application for transferring finance from a brokerage account to a deposit of a banking institution.
4. In the special fields, enter the number of the trade agreement and the amount that is provided for the transfer.
5. After that, click on the "Submit" button.
6. After completing the final steps, a window will appear in front of the client, in which you will need to enter the secret code received on the mobile phone.
7. After indicating the cherished numbers, the person again receives a text message, which is a confirmation for the consideration of the application.

If the application is approved, the money will be safely transferred from the brokerage balance to the Sberbank deposit.

Each brokerage company sets its own terms for consideration of the request. This usually takes no more than a day. Information about whether the funds were transferred to the bank's balance sheet is available to the client. You just need to call the broker and consult.

What should be the minimum amount on the account?

When the user is registered on trading platform, he is allowed to start work on this site. Since this is a kind of exchange of investments between different companies, a decent amount of money should be on the client's account.

Balance replenishment on virtual map should start from at least 15-20 thousand rubles. This is necessary in order to stay on this site and start making a profit by buying shares and bonds of other companies.

Memo on replenishment and withdrawal of funds

You can replenish or withdraw money from a brokerage account using the following methods:

1. Using the broker's details, execute bank transfer... This action does not require opening a special account with financial institution... The amount available for transfer is set by each bank individually. Provided additional expense, since a commission is charged for this action. Interest is charged in the amount of one to three.
2. Through a brokerage transfer, but using a current account with a banking institution.

This type of translation can be done with the following options:

• at the cash desk of the organization of finance;
• using the application installed on the gadget;
• at the bank online.

The transfer amount is also set banking organization... If a client wants to operate with an amount of up to three thousand rubles, the action takes place according to the usual rules. And if more than the specified amount, you will need to perform an action to confirm the manipulation.

Why can't I withdraw funds?

All transactions with funds on the quik card must be virtual. That is, money is used to pay for goods on the Internet. If a user sets out to cash out a virtual card and use cash, he will fail. It is impossible to remove finances from the balance sheet, this is regarded as illegal action and violates the rules established by the internal policy of the banking organization.

In the previous video tutorials, we have covered almost everything you need to work with the Quik trading terminal. We examined in detail the general settings of the Quik program, the "Current trading" table, working with charts in trading terminal, order book, work with orders, stop orders, saw how transactions take place, and how all this is displayed in the tables of orders and transactions.

This lesson is devoted to another important tab - "Portfolio", in which there are three important tables:

• Limitations on client accounts
• Client account positions and
• Order table

• learn how to create tables of Positions on client accounts, Limits on client accounts and a table of Orders
• master their editing and customization, learn what they show and what they are for
• see how to apply through the Quik trading terminal to withdraw money from your exchange account

Note. Since I myself trade futures, therefore, I show these tables using the example of futures. It's even a little easier on promotions, so if necessary, set it up in the same way. It is clear that these or similar tables for stocks can be placed on another tab, but the tables themselves, of course, are necessary and important.

So, in order.

Table "Limitations on client accounts".

In my opinion, only one column is clearly needed in it - this is the limit of open positions. This "open position limit" displays the amount that was in your brokerage account at the beginning of the trading session.

The same amount is displayed in your broker's report on the results of the previous trading session under the name "Outgoing balance" (probably, it can be called differently, but the essence is clear).

If you need any other parameters according to your account from this table, then you can add the columns you need. Editing a table and adding columns is done in the same way as for any other table (we discussed the editing of Quik tables in detail using the example of the "Current trading" table).

If you do not have this table, in the top menu select "Create window", then "All types of windows". In the list of windows, select "Futures and Options" - "Restrictions on Client Accounts".

Client account positions table.

This table displays the instruments for which you made deals or placed orders in this or in the previous trading session.

It can also have many more columns. In my opinion, only the following are really needed:

• The name of the instruments for which you were, or are, or were going to be in the position, i.e. placed orders, in this or in the previous trading session.
• Incoming position - displays the incoming balance or the number of lots (contracts) that you have bought or sold at the start of the current trading session.
• Current net position- displays the current balance or the number of lots (contracts) that you have at the moment (bought or sold) now.
• The next two columns - Active Buy and Active Sell - display the volume of your (currently) placed regular buy and sell orders, respectively.
• And the last two columns - Variation Margin and Position Cost - display your profit or loss for the current trading session. In this case, "Position value" is the profit or loss for a part of the trading session before the daytime clearing (until 14-00), and the variation margin is the profit or loss for the current part of the trading session for the present time.

Just like any other table, you can edit this table, for example, add some more parameters (new columns), customize the color, font, background, etc.

Note. It is better not to look into this table while you are in any position, because the sums of your account changing before your eyes add unnecessary emotions. And it is important to trade strictly according to the System.

Now, when you closed your positions, then you should go in and make sure that there are indeed zeros in the "Current net" column, and in the "Active buy" and "Active sale" columns, also by zeros (or it is exactly the amount for which you have set active orders to enter the market with ordinary limited orders).

That is, to look only for self-control after closing their positions (completing the transaction).

If you do not have this table, select "Create window" from the top menu, then "All types of windows". In the list of windows, select "Futures and Options" - "Positions on Client Accounts".

And finally Order table.

It will come in handy when you withdraw money from your exchange account.

If you do not have this table, select "Extensions" in the top menu, then "Non-trade orders", and then "Table of orders".

Here above you can see the item "Withdrawal of DS", that is, the withdrawal of funds.

Let me show you now, like through a trading terminalQuikapply to withdraw money from your exchange account(withdraw money from the exchange).

So, select in the top menu "Extensions", "Non-trading orders", then "Withdraw DS".

In the window that opens, select the Order Type. As a rule, “Withdrawal of DS is non-cash”.

Next, in the Client Code field, select the required Client Code (most likely, you have one). Below you should see your Bank details where you withdraw money. If they are not there or they have lost their relevance, or you just want to withdraw to your other bank (or card) account, then under this window below, press the button "Enter manually". In the form that opens, enter your bank details.

Note. You cannot withdraw money to the account of a "friend", in particular, a spouse or spouse or someone else. Withdrawal of money from your stock account is possible only to your personal bank or card account. Such a condition protects your account from your own mistakes (if, for example, you yourself give another person your username and password to trade your account, then he will not be able to simply withdraw money to his account from yours).

Next, specify the site from which you withdraw money. For example, I have money only on the FORTS platform, then I can only withdraw it from FORTS. Accordingly, I choose the FORTS Derivatives Market. Then enter the amount you want to withdraw from your brokerage account.

Better leave the validity period "Until canceled."

After that, the order to withdraw money and its current state will be displayed in the "Table of Orders". As processed by the broker's employees this instruction the data of the corresponding columns of the "Order Table" will change.

Yes, I would like to draw your attention to the fact that the trading terminal displays data only for the current trading session and incoming balances from the previous trading session.

For example, if you have been in a position for several days, then here you will not see the result for your position. The current result for the current trading session, of course, is not equal to the result for the transaction as a whole.

To keep a high-quality record of your transactions, it is important to keep a separate transaction log.

Why Promsvyazbank?

• One of the lowest rates on the market.
• Lack of fixed payments.
• No restriction on minimum amount to open an account.
• Investment consulting and personal manager.
• Opening a brokerage account in any office.
• Withdrawing funds from a brokerage account via QUIK.
• 11th bank by assets in Russia (Interfax).
• Rating BB- / BA2 (Fitch / Moody "s).

How to open a brokerage account?

• If you are already a client of the bank, you just need to log into PSB-Retail and apply for opening an account in the section "Brokerage services" by selecting the terms of service.
• If you have not yet become a client of Promsvyazbank, then first you will need to go through a simple registration procedure in the Internet bank, indicating your full name, date of birth and contact information. And then apply to open an account.
  After submitting the application, you can come to any bank office in accordance with the schedule of its work in order to sign the documents for concluding an agreement. You must have a passport with you!

What is the minimum amount of funds required to open an account?

There is no limit on the minimum amount.

How much does the maintenance cost?

Opening and maintaining a brokerage and depository account is free. When making transactions, the broker's commission will be charged in accordance with the selected tariff. For example, when choosing tariff plan"PSB Day" commission is from 0.01% to 0.05% of the transaction amount (the rate depends on the transaction volume). More details about the tariffs can be found at the link.

How do I deposit money into a brokerage account?

You can transfer funds through the Internet Bank in the section "Operations / Brokerage services / Crediting to a brokerage account".

How to withdraw money from a brokerage account?

There are two ways to submit an order to withdraw funds. Using the QUIK system, by submitting a non-trade order in the program. Or by filling out the appropriate form in paper form and sending it to the bank by fax, followed by the provision of the original (current forms are posted on the bank's website).

How do I amend the brokerage terms and conditions?

After you have become our client and opened a brokerage account, you can make changes to the terms of the brokerage agreement via the PSB-Retail Internet Bank. In the section "Brokerage services" of the Internet bank, you can change the available trading platforms, tariff, software for trading, register or suspend the encryption key for QUIK, enable (or disable) analytics distribution.

How are taxes withheld?

The bank, acting as your broker, is tax agent and withholds personal income tax in the amount of 13% of the income received (for residents - individuals). Tax withholding occurs when funds are withdrawn from the account or at the end tax period... Learn more about taxation.

The following non-trading operations are available to you:

• withdrawal of funds*;
• transfer of funds between sites;
• translation valuable papers from the trading section of the depo account to the main section of the depo account.

You can submit non-trading orders for the above operations in the following ways:

• independently through the QUIK online trading system;
• by phone.

Non-trade orders by phone are submitted to the centralized trade desk of Sberbank.

The phone number of the "trade-desk" service is indicated on plastic card"Investor's code table", which you receive when concluding a brokerage service agreement.

The federal number with the code 8-800 is intended for calls only within the territory of the Russian Federation. We recommend that you check in advance the phone number for calls from abroad in the trade-desk service.

The time for accepting non-trading orders by phone is from 9:30 Moscow time to 17:55 Moscow time (withdrawal / transfer of funds and transfer of securities from the trading section of the depo account to the main section of the depo account).

* Withdrawals of funds in the amount of more than 100,000 rubles require confirmation by a phone call to the trade desk.

** Service opening hours depend on the exchange regulations and may be subject to change.

1. You need to name the Contract Code.

   The contract code is a five-digit set of numbers and letters of the Latin alphabet (for example, 4D11J).

   Your Contract Code can be viewed in the notification you received when completing the brokerage service contract.

2. The broker asks you to name one of the twenty passwords specified in " Code table investor ".

   Passwords are reusable. Each time a password is selected by the program at random. You can pre-erase the protective layer for all twenty passwords.

3. At the Broker's request, you give the password corresponding to the number that the Broker has given.

   It is more convenient to say ten digits of the password in two digits, quickly and without pauses.

4. The broker must confirm to you that the password is correct. In this case, you can submit a non-trade order.
5. For non-trading orders, you tell the Broker the following parameters:
   - the name of the trading system;
   - the amount of funds / name and number of securities.
6. The broker must repeat to you all the essential parameters of a non-trading order and ask you to confirm them.

   V trading system a non-trade order is entered with the parameters announced by the Broker. Be careful! In case of an error, interrupt the Broker and specify the parameters of the order.

7. If the Broker repeated all the parameters of a non-trading order correctly, after the Broker's request, you must confirm this with any word or phrase that can be unambiguously interpreted as confirmation, for example: "Yes", "Everything is correct", "I agree", "I confirm" etc. You do not need to repeat the parameters of the order.
8. After your confirmation, the Broker enters a non-trade order into the trading system.