{"id":805734,"date":"2025-05-12T17:30:27","date_gmt":"2025-05-12T13:30:27","guid":{"rendered":"https:\/\/arantv.az\/?p=805734"},"modified":"2025-05-12T17:30:27","modified_gmt":"2025-05-12T13:30:27","slug":"banklarin-pul-qoparmaq-oyunu-komissiya-xidm%c9%99tl%c9%99ri-niy%c9%99-bahalasib","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=805734","title":{"rendered":"Banklar\u0131n pul \u201cqoparmaq\u201d oyunu \u2013 komissiya xidm\u0259tl\u0259ri niy\u0259 bahala\u015f\u0131b?"},"content":{"rendered":"<p><strong>Son d\u00f6vrl\u0259r bir s\u0131ra banklar SMS m\u0259lumatland\u0131rma xidm\u0259tl\u0259rinin tarifl\u0259rind\u0259 d\u0259yi\u015fiklikl\u0259r edib.<\/strong><\/p>\n<p>M\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn vacib olan bu xidm\u0259tin qiym\u0259tind\u0259 3 d\u0259f\u0259y\u0259 q\u0259d\u0259r art\u0131r\u0131l\u0131b. M\u0259s\u0259l\u0259n, \u201cKapital Bank\u201dda 2023-c\u00fc ilin noyabr\u0131nda 1 AZN olan SMS xidm\u0259tinin ayl\u0131q \u00f6d\u0259ni\u015fi 3 AZN-\u0259 y\u00fcks\u0259lib. Eyni tendensiya \u201cUnibank\u201dda da m\u00fc\u015fahid\u0259 edilir \u2013 burada da xidm\u0259t haqq\u0131 1 AZN-d\u0259n 3 AZN-\u0259 qald\u0131r\u0131l\u0131b. \u201cExpressbank\u201d m\u00fc\u015ft\u0259ril\u0259ri is\u0259 \u0259vv\u0259l 0,90 AZN \u00f6d\u0259dikl\u0259ri xidm\u0259t\u0259 indi 2,50 AZNverirl\u0259r. \u201cZiraat Bank Az\u0259rbaycan\u201dda tarif 2 AZN-d\u0259n 3 AZN-\u0259, \u201cAFB Bank\u201dda is\u0259 0.95 AZN-d\u0259n 1 AZN-\u0259 y\u00fcks\u0259lib. \u201cBank Respublika\u201d \u0259vv\u0259l m\u00fc\u0259yy\u0259n kartlar \u00fc\u00e7\u00fcn SMS xidm\u0259tini pulsuz t\u0259qdim edirdi, dig\u0259r kartlar \u00fc\u00e7\u00fcn is\u0259 ayl\u0131q 0,99 AZN tarif t\u0259tbiq edirdi. Lakin indi b\u00fct\u00fcn kartlar \u00fc\u00e7\u00fcn ayl\u0131q 2 AZN m\u0259bl\u0259\u011fi m\u00fc\u0259yy\u0259n edilib v\u0259 \u0259lav\u0259 olaraq, ay \u0259rzind\u0259 100-d\u0259n \u00e7ox SMS g\u00f6nd\u0259rildikd\u0259 h\u0259r mesaj \u00fc\u00e7\u00fcn 0,06 AZN tutulur.<\/p>\n<p>B\u0259s banklar\u0131n m\u0259lumat SMS-l\u0259rini k\u0259skin bahala\u015fd\u0131rmas\u0131n\u0131n s\u0259b\u0259bi n\u0259dir v\u0259 bu, n\u0259 d\u0259r\u0259c\u0259d\u0259 do\u011frudur?<\/p>\n<p><img src=\"https:\/\/reyting.az\/uploads\/posts\/2024-06\/ekrem-625x330.png\" alt=\"\u018fkr\u0259m H\u0259s\u0259nov: &quot;\u018fdliyy\u0259 nazirinin m\u00fcavinin\u0259 dedi ki, bu u\u015fa\u011f\u0131n haqq\u0131n\u0131 niy\u0259  pozmusuz?&quot; \u00bb Reyting.az\" \/><\/p>\n<p><strong>M\u00f6vzu il\u0259 ba\u011fl\u0131 bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert \u018fkr\u0259m H\u0259s\u0259nov Musavat.com-a dan\u0131\u015f\u0131b. Ekspert qeyd edib ki, m\u0259s\u0259l\u0259 banklar\u0131n g\u0259lir modelinin d\u0259yi\u015fm\u0259si il\u0259 ba\u011fl\u0131d\u0131r:<\/strong><\/p>\n<p>\u201c\u00c7ox zaman deyirik ki, Avropa banklar\u0131nda kredit faizl\u0259ri a\u015fa\u011f\u0131d\u0131r. Amma he\u00e7 vaxt demirik ki, orada komissiya haqlar\u0131 y\u00fcks\u0259kdir. Y\u0259ni Avropada, inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 kredit faizl\u0259ri a\u015fa\u011f\u0131d\u0131r, amma komissiyalar y\u00fcks\u0259kdir. \u00c7\u00fcnki ayd\u0131nd\u0131r ki, bank\u0131n g\u00f6st\u0259rdiyi h\u0259r bir xidm\u0259t\u0259 g\u00f6r\u0259 x\u0259rc \u00e7\u0259kilir v\u0259 oradan qazanc da g\u00f6t\u00fcrm\u0259lidir. Y\u0259ni kredit ver\u0259nd\u0259 ayd\u0131nd\u0131r ki, kreditin m\u0259bl\u0259\u011fi bank\u0131n \u00f6z pulu deyil, o da \u0259man\u0259t\u00e7id\u0259n c\u0259lb edir faizl\u0259, \u00fcz\u0259rin\u0259 \u00f6z\u00fc d\u0259 faiz qoyur qazanc \u00fc\u00e7\u00fcn. Amma yaln\u0131z s\u00f6hb\u0259t qazancdan getmir, x\u0259rc d\u0259 var ax\u0131. \u0130\u015f\u00e7i saxlay\u0131r, bina saxlay\u0131r, inkubator x\u0259rcl\u0259ri v\u0259 sair. Sabah i\u015f m\u0259hk\u0259m\u0259y\u0259 d\u00fc\u015f\u0259 bil\u0259r \u2013 ham\u0131s\u0131n\u0131 \u00fcst\u00fcn\u0259 qoyur, verir. Eynil\u0259 dig\u0259r xidm\u0259tl\u0259rd\u0259 d\u0259, m\u0259s\u0259l\u0259n, pul k\u00f6\u00e7\u00fcrm\u0259si, SMS bildiri\u015fl\u0259r g\u00f6nd\u0259rir \u2013 bunlar\u0131n ham\u0131s\u0131na bank x\u0259rc \u00e7\u0259kir. Min d\u0259n\u0259 d\u0259rdi var. M\u0259s\u0259l\u0259n, g\u0259r\u0259k informasiya t\u0259hl\u00fck\u0259sizliyi sistemi olsun. Son zamanlar ham\u0131m\u0131z \u015fikay\u0259tl\u0259nirik ki, bank kartlar\u0131nda pullar o\u011furlan\u0131r v\u0259 sair\u0259. Bunlar\u0131n ham\u0131s\u0131 onunla ba\u011fl\u0131d\u0131r ki, onlar\u0131n t\u0259hl\u00fck\u0259sizlik sistemi g\u00fcn\u00fcn t\u0259l\u0259bin\u0259 cavab vermir. Dem\u0259li, indiy\u0259 q\u0259d\u0259r banklar bel\u0259 bir strategiya tutmu\u015fdular ki, maksimum g\u0259lirl\u0259ri kredit faizl\u0259rind\u0259n tutsunlar. Buna g\u00f6r\u0259 d\u0259 kredit faizl\u0259ri y\u00fcks\u0259k idi. Lakin dig\u0259r xidm\u0259tl\u0259ri, o c\u00fcml\u0259d\u0259n pul k\u00f6\u00e7\u00fcrm\u0259l\u0259ri, SMS x\u0259b\u0259rdarl\u0131qlar\u0131, bank kartlar\u0131 \u2013 onlar\u0131 ya pulsuz edirdil\u0259r, ya da \u00e7ox a\u015fa\u011f\u0131 komissiya haqq\u0131 il\u0259. Hans\u0131 ki, n\u0259inki banka qazanc g\u0259tirmirdi, he\u00e7 b\u0259z\u0259n \u00fcmumiyy\u0259tl\u0259 x\u0259rcl\u0259rini d\u0259 ba\u011flam\u0131rd\u0131. Y\u0259ni bizim banklar\u0131m\u0131z\u0131n bel\u0259 yana\u015fmas\u0131 var idi ki, b\u00fct\u00fcn g\u0259liri kredit alanlardan tutsun, amma dig\u0259r m\u00fc\u015ft\u0259ril\u0259r\u0259 maksimum \u015f\u0259rait yarats\u0131n ki, g\u0259lib onun xidm\u0259tind\u0259n istifad\u0259 etsin. Y\u0259ni kart\u0131n\u0131 o bankdan a\u00e7s\u0131n, pulunu o bank kart\u0131ndan hesaba k\u00f6\u00e7\u00fcrs\u00fcn v\u0259 sair\u0259. \u0130ndi banklar bird\u0259n-bir\u0259 d\u0259yi\u015fm\u0259k ist\u0259yirl\u0259r: Avropa banklar\u0131 kimi kredit faizl\u0259rini t\u0259dric\u0259n azald\u0131b, komissiya haqlar\u0131n\u0131 is\u0259 art\u0131r\u0131rlar\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Son d\u00f6vrl\u0259r bir s\u0131ra banklar SMS m\u0259lumatland\u0131rma xidm\u0259tl\u0259rinin tarifl\u0259rind\u0259 d\u0259yi\u015fiklikl\u0259r edib. M\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn vacib olan bu xidm\u0259tin qiym\u0259tind\u0259 3 d\u0259f\u0259y\u0259 q\u0259d\u0259r art\u0131r\u0131l\u0131b. M\u0259s\u0259l\u0259n, \u201cKapital Bank\u201dda 2023-c\u00fc ilin noyabr\u0131nda 1 AZN olan SMS xidm\u0259tinin ayl\u0131q \u00f6d\u0259ni\u015fi 3 AZN-\u0259 y\u00fcks\u0259lib. Eyni tendensiya \u201cUnibank\u201dda da m\u00fc\u015fahid\u0259 edilir \u2013 burada da xidm\u0259t haqq\u0131 1 AZN-d\u0259n 3 AZN-\u0259 qald\u0131r\u0131l\u0131b. \u201cExpressbank\u201d m\u00fc\u015ft\u0259ril\u0259ri is\u0259 \u0259vv\u0259l 0,90 AZN \u00f6d\u0259dikl\u0259ri xidm\u0259t\u0259 indi 2,50 AZNverirl\u0259r. \u201cZiraat Bank Az\u0259rbaycan\u201dda tarif 2 AZN-d\u0259n 3 AZN-\u0259, \u201cAFB Bank\u201dda is\u0259 0.95 AZN-d\u0259n 1 AZN-\u0259 y\u00fcks\u0259lib. \u201cBank Respublika\u201d \u0259vv\u0259l m\u00fc\u0259yy\u0259n kartlar \u00fc\u00e7\u00fcn SMS xidm\u0259tini pulsuz&hellip;<\/p>\n","protected":false},"author":2,"featured_media":805735,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",690,462,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",690,462,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",690,462,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5-545x365.jpg",545,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",640,429,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",690,462,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",690,462,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/05\/7089023c3ae277d155cb10da58bcf9d5.jpg",690,462,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Son d\u00f6vrl\u0259r bir s\u0131ra banklar SMS m\u0259lumatland\u0131rma xidm\u0259tl\u0259rinin tarifl\u0259rind\u0259 d\u0259yi\u015fiklikl\u0259r edib. M\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn vacib olan bu xidm\u0259tin qiym\u0259tind\u0259 3 d\u0259f\u0259y\u0259 q\u0259d\u0259r art\u0131r\u0131l\u0131b. M\u0259s\u0259l\u0259n, \u201cKapital Bank\u201dda 2023-c\u00fc ilin noyabr\u0131nda 1 AZN olan SMS xidm\u0259tinin ayl\u0131q \u00f6d\u0259ni\u015fi 3 AZN-\u0259 y\u00fcks\u0259lib. Eyni tendensiya \u201cUnibank\u201dda da m\u00fc\u015fahid\u0259 edilir \u2013 burada da xidm\u0259t haqq\u0131 1 AZN-d\u0259n 3 AZN-\u0259 qald\u0131r\u0131l\u0131b. \u201cExpressbank\u201d&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/805734"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=805734"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/805734\/revisions"}],"predecessor-version":[{"id":805736,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/805734\/revisions\/805736"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/805735"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=805734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=805734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=805734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}