Olga Merts
etiquette teacher, head of the School of Good Manners
Background
The history of tipping in different countries interpreted differently. The Germans, the British, and the Americans consider themselves the founders of tipping. Each of them has their own interesting theory on this matter.
Thus, the Germans are the founders of “drinking” money. In the Middle Ages, clean drinking water was available only in public wells; getting it from there was not easy. This was done by unemployed young people who were rewarded with a small fee, it was called trinkgeld (“ small amount" - in the lane. from German). Now this is the term used to refer to tipping in Germany.
The British tell their version. In the 18th century, tea drinking was popular in tea houses and elite tea gardens, where service was carried out through special boxes marked KIPS placed on the tables, which meant “to ensure immediate service.”
In America, it is believed that the concept of tipping arose with the advent of taverns, bars and other similar establishments. Americans and Canadians are still very sensitive to tips, the size of which can reach 20-27% of the order value.
The French are the most rational about the history of tipping. Last century, they issued a decree requiring catering establishments to add a service charge to the total bill.
Each country has its own rules and amounts of tips.
When going on a trip, it is worth reading about the peculiarities of a particular country and paying special attention to giving tips - everywhere there are subtleties.
Thus, in Eastern countries one should be very careful in showing one’s generosity in order to avoid an unpleasant situation. For example, in China, Japan and Korea it is customary to leave the amount indicated on the bill, since tipping is officially prohibited by law. They may be perceived by staff as an insult. In this case, they will most likely catch up with you and return what was left over the bill. In Singapore, tipping is also prohibited and is even considered a bribe. In countries such as India and Thailand, there is no requirement to tip, but a small tip usually elicits a positive response from waiters.
A low tip size is accepted in Scandinavia - 3-6% of the bill. They are very sensitive to service and believe that the cost of the order also includes a service fee.
In Germany and the Czech Republic, the tip size is 8-10% of the check. It’s about the same in Italy, but in this country it’s customary to immediately include service in the bill.
In England and France, the tip is approximately 15-18% of the bill, but, as you already know, the French already have everything included in the bill. In the UK, tipping is desirable, but not required. The size of tips in these countries also depends on the place where you come to eat: in a respectable restaurant, tips are required, but in a simple cafe or pub you can simply treat the bartender; tips in monetary terms can offend the staff.
What about tips here?
In Russia there is a standard tip size, which is 10% of the order value. However, this amount must be justified by the high quality of service. So, should you always tip?
Tipping is an incentive for staff at the request of the client, and is not a mandatory part of the restaurant visit program. In addition, there are now more and more establishments in which you should pay attention to what is written on the bill. In many high-status restaurants, tips are often already included in the price.
It should also be understood inner meaning tips, so if you want to thank a specific waiter, it is better to do it in cash rather than by transfer to a card. Think about how much you are willing to allocate for rewards. As already mentioned, 10%, and this is the maximum tip limit, beyond which you should not go.
You should not leave a tip (by the way, this is exactly what is customary in Israel), just as it is absolutely not necessary to leave a tip when visiting a cafe during a business lunch. But if the waiter was especially considerate towards you - he warmed up the juice for your child, allowed you not to order a separate lunch for your daughter and
Good question then he worked his way up to the editorial office.
The cloakroom attendant hung up your jacket. We brought our things to the hotel. We fixed the faucet at home. To thank or not?
And okay yes/no, but what to do with tip amount- generally atas. Everyone has their own idea of how much to tip. Some give 5%, some 10%, some worry and even count 7%.
Answer it yourself:
In general, we need to figure it out. So we decided to do it. And to make it doubly useful for you, we found plastic card, which allows you to tip for free.
What is a “tip” anyway?
Tips- an additional reward (or “bonus”) to a person, which is given on top of the usual amount for a service or product. A way to support a person for his efforts or a job well done.
Frequency and amounts vary - there are no generally accepted standards, no laws that regulate it. Therefore, there is no understanding of who to give and how much.
Statistics in Russia: only half of us tip. 25-30% cannot calculate the amount. And 25% do not tip. Don't do this, it's just not nice.
How much tip is customary to give in Russia?
5-15% on top of the account.
Exact amount determined by a lot of factors, and among them: quality of service, type of establishment (simple cafe, expensive hotel, elite restaurant), visitor’s opinion (generosity, mood, current situation), amount in the check - a modest lunch for 300 rubles. or a banquet for 1 million.
If there are no complaints, just leave about 10%. This is the standard.
Why is tipping good? In the service sector, many people actually work for tips - and at the minimum possible wage.
So every time you don't tip, you're effectively deprive a person of his salary. And not necessarily the one who directly served you. For example, in restaurants, tips are often sent into a common “pot”, from which the cooks and other restaurant kitchen workers are then paid. I felt it myself when I worked as a waiter for six months.
Who should tip?
Waiter in a restaurant: you need to ask for the bill, pay and get change. And then leave the required amount in cash. We leave 10% .
Well, yes, if the waiter arbitrarily took the change you are waiting for, do not hesitate to demand it.
When paying by card in Russia, tips are usually given in cash. It is not customary for us to leave a tip by bank transfer: you can ask to write it into the receipt, but the establishment has every right to refuse. I had a ride once, but the other time (on Arbat) I didn’t.
Beauty saloon: can be put total amount to the administrator's desk. But it is better to distribute it to those who took part in the process. More 10% don't leave.
Taxi: you can leave him - 5-10% . Nowadays, most services offer to leave a tip directly in the application, so this has become quite easy. By the way, for example, in Greece and Belgium it is not customary to tip taxi drivers.
In a hotel: Tips for the maid or doorman are not required; they can be left according to your mood, depending on your own assessment of the quality of service and the status of the hotel. The concierge, elevator operator, and garbage collector are not given tips.
Refuelers, car washers: the fuel attendant and the washer can be given a tip within the limits 10% from the cost of the service. I give 100 rubles to the gas station attendant so that he doesn’t freeze. Do not forget that you should not leave less than 50 rubles - tea in small change can cause mental curses sent after you.
Delivery workers, couriers: for the delivery of water, food and orders in restaurants - upon request, but no more 10% , and if delivery was free.
They definitely don’t leave: stewardess, guide, translator, chef, fellow traveler on the train for help with things, personal trainer, psychoanalyst, doctors.
How nice it is to tip in different countries of the world
Attitudes towards tipping vary greatly around the world, as do the amounts.
Standard tip is 10%. In the USA, they traditionally leave 3-5% more - up to 15%, in France 10%, in Spain 7%, and in Egypt they rarely leave a tip at all.
Watch carefully! In some countries, it is customary to include a tip in the bill - in this case, there is no need to leave anything on top.
If you encounter special tipping standards somewhere in the world, share this with us in the comments, and let’s help each other look polite when traveling.
How to get money back for tips (for now only)
This is important because it is only valid now until the end of February. You can return it up to 11.5% from all checks! No joke, directly in rubles and to the same card with which you paid.
You need to order Smart Card . It's not just plastic bank card. It has both a standard cashback on everything and a special, thematic cashback that changes once a month.
In fact, the Smart Card adapts to the most important events of each month, and is therefore beneficial exactly when you need it most.
In February valid additional increased cashback 10% V:
- restaurants
- cafes and coffee shops
- bars
- and other catering establishments. Even for a Big Mac.
Cashback in promotional categories (as much as 10%!) is always credited in addition to the basic cashback on the Smart Card - 1% or even 1.5% (standard cashback increases to 1.5% if you spend more than 30 on the card this month 000 rubles).
An example of the benefit of Smart Cards in February:
Today I had breakfast with a sandwich and coffee for 250 rubles, then had a modest lunch for 300 rubles, and in the evening I took my beloved to a restaurant (I paid 1900 rubles for two, it was worth it). In total it turned out to be 2450 rubles.
Returned via Smart Card: 281.75 in one day (provided that the cashback is 1.5%, and even without it they would have returned 269.5 rubles)!
More 250 rubles– by the way, this is breakfast.
In addition to profitable cashback, the card has other profitable terms: give 7.5% per annum on a savings account, allow you to withdraw cash up to 50 thousand rubles for free. per month from any ATM, if you meet the minimum conditions (and even without them there are some free withdrawals, you definitely won’t be left without cash at the right time). There is always cashback from 1 to 1.5% on any purchases, regardless of current promotions.
How to order a Smart Card
To order a card, you need to download Otkritie Bank application. It is not necessary to be a bank client - you can submit an application for a card both before and after registering in the application.
As soon as the courier delivers the card, you activate it directly in the same application - and that’s it, you can get back up to 11.5% from each check and be happy, of course :)
Delivery of “Smart Cards” is free, registration is also free. It is enough to have a passport with you; the release time is 3-5 working days.
Through the “Discoveries” application, for example, you will follow for cashback accrual, for the number of free withdrawals from ATMs and use everything we are used to: for example, pay for a mobile phone or transfer money to friends.
In the application you can also:
In this material, our editors tried to collect answers to the most exciting questions about tipping: we studied world practice, talked with workers in this area (from waiters to establishment owners) so that no one would feel awkward - neither waiters nor visitors.
How much to tip?
This question often “torments” many people. There are situations when there is no firm certainty about how much money should be left to the waiter and whether to leave it at all.
An unspoken tradition says that in Russia it is customary to leave 10% of the check amount. Of course, this applies to those people who are worried about their reputation among the serving staff of their favorite establishment. If you don’t care, then the size of the tip depends on your mood: you liked everything and have some extra money - a couple of small bills worth 50-100 rubles will be a good bonus to the waiter’s salary. If the service was terrible, and you don’t have the patience to be in the restaurant, don’t give anything, or leave some change and run away from there.
However, not in all countries it is customary to tip. For example, every Japanese has the belief that serving a client well is a professional duty that does not require additional encouragement. Giving a tip to a waiter means insulting him. The same applies to Japanese tourists, who, as a sociological survey showed, travel less than they would like due to the need to tip everyone.
In general, each country has its own characteristics of rewarding service personnel. In the USA, it is customary to tip everyone: taxi drivers, cashiers at McDonald's, maids, hairdressers, porters, and even free shuttle drivers. In England, you can express your gratitude to a bartender by treating him to a drink at your own expense. And in Germany you cannot leave money intended for the waiter in an open place: it is better to cover it with a napkin and just leave. Humility in this matter is an important quality in which you express gratitude for good service.
It is interesting that in poorer countries, such as Turkey or Cuba, the issue of tipping is more pressing. Waiters in such countries are usually poorly paid, and the main income comes from “extra rewards” from customers. Therefore, one should not be surprised at the annoying courtesy of Turkish garçons - they just need to feed their family.
Is it necessary to pay a tip at all?
There is no clear answer. As the waiters themselves say, this is not the responsibility of every client - it is an expression of gratitude, like the word “thank you.” And if the service really was that good, a small amount of money will speak louder than any praise.
We asked the owners of Chelyabinsk establishments what they thought about this:
Alexey Noskov, co-owner of Pizzamania:
What is a “tip” anyway? This is a reaction to the quality of service. If you leave a tip, it means the service is good or even excellent. If they don’t leave, then the situation with the service is poor. However, you need to understand what format we are talking about. In fast food, for example, they don’t leave tips. And in the premium segment, not leaving a tip is, on the contrary, almost a violation of some unwritten code.
In some establishments, the order amount already includes the line “for service”. These are not tips, but the restaurant’s income, which, by the way, depending on the taxation system, should also be included in official reports. But this, in my opinion, is a violation of ethics in relation to the Guest. And I never allowed this to happen. If I find out that my waiters are “extorting” tips or provoking the Guest to do so (for example, delaying change), I will simply fire such an employee.
Tatyana Starovoitova, manager of the Decameron restaurant:
A priori, the waiter must do a good job; no one is obliged to leave a tip. If you don't like your job, look for another one. A waiter is a creative profession: a stylist, a psychologist, and a mathematician. If you are not like that, you are not a waiter, but a server of food and drinks.
However, in some countries the service charge is already included in the bill under the “service fee” column. So, for example, in the USA or Singapore, you don’t need to think about how much to leave for the waiter - a certain percentage of the total order amount is already included in the check, and can reach 25%.
Should a waiter serve every guest well, whether he is tipped or not?
As mentioned above, in some countries they believe that any job should be done well without additional fee. And this is correct, because doctors or builders do not receive tips for doing a better MRI than in another hospital, or for building a better house than others. However, the service sector is a completely different area of business, and its own rules apply. “Tipping” has been around for a long time, it is an unwritten rule ingrained in the minds of many people, and therefore it is difficult to ignore this phenomenon.
But at the same time, tipping is not an obligation. Official legislation does not limit either clients from receiving incentives or waiters from receiving additional money for service. Since this contradiction is difficult to lead to an unambiguous solution, it is necessary to act as you want.
Yes, I believe that a waiter, like anyone who strives to become a professional in their field, should a priori work without additional incentives. However, the waiter must understand that his efforts have a rare opportunity to be rewarded literally immediately. Believe me, this knowledge is an excellent incentive. Those who worked in line positions in a restaurant will understand me. Personally, my record for tips as a bartender per day in one famous entertainment complex in Odessa in the late 90s was ten average monthly salaries. For this reason, we treated the Guests very carefully and respectfully,” says Alexey Noskov.
Should I tip on business lunches?
Since the format of a business lunch involves a relatively small fixed payment (usually 250-350 rubles), the issue of tips is in this case very relevant. 10% of the check for a business lunch is equal to 25-35 rubles, which in our time can only be given in small change. The amount is not so large, it would seem more like an insult than gratitude for good service. The same rule will apply here as with a regular dinner in a restaurant - pay what you see fit. Lunch was brought quickly and hot, they paid for it quickly, and they even gave you “chewing gum”? You can leave 50-100 rubles and leave with a clear conscience. Was bad? I quickly ate and left - and next time look for another establishment.
How much and how to tip the bartender?
It’s one thing when the waiter only brings food and ensures a comfortable stay in the establishment, it’s another when the bartender prepares drinks, serves, accepts money, and communicates. However, the approach to tipping is the same: 10-15% of the order if the bartender served quickly, served correctly and listened to the next problems, as is usually shown in films.
We asked Kirill Tkachenko, a former bartender from The Lost Society, how much he received in tips relative to his official salary:
It all depends on the season. In summer, wages prevail over tips; in winter, the opposite is true. Guests more often come in to warm up with strong drinks and sit at the bar, and, accordingly, can already reward you with tips for the work done. Or give a tip for a good dialogue. Spring and autumn are almost always 50/50,” Kirill shares.
If you tip the bartender, will he serve you faster?
There is a belief that the bartender will serve you faster than the one who gives the most tips. In fact, it happens in different ways:
This didn’t affect me at all, everything was done in order, everyone was served the same, they always tried to work as quickly as possible, and did not forget to monitor the quality of service and preparation,” answered Kirill, the bartender.
Here, again, everything depends both on the country and the establishment in general, and on the bartender in particular: in the USA there is such a practice, since there are usually a lot of visitors, and those who pay are served first. We don’t have a developed tipping culture, so hoping that a client will give money for the speed at which a drink is served is stupid. This is the mentality. Remember yourself: “if a bartender works, then let him do it equally well for everyone.”
What is the tip size when serving a banquet or a large group?
If this question concerns a banquet and similar events, where there is one organizer and the rest are guests, then, naturally, the organizer pays. This can be discussed in advance, even at the stage of agreeing on the menu and cost of the entire evening. Sometimes tips are given after the end of the banquet to all service personnel: security guards, servers, waiters, cooks, and so on. And this is done by the administrator or owner of the hall, to whom the amount was allocated to encourage staff. Or, in rare cases, during a banquet one of the guests may personally hand over a couple of bills “for tea.”
If we are talking about companies that simply come to the restaurant to relax with their families, then it is the same as for a single visit: 10% of the check, no matter whether it is general or individual.
Do waiters share tips with other restaurant employees?
Yes, but not everywhere. There are no strict rules here either. If the waiter believes that receiving a tip depends only on his work, then without remorse he takes the entire amount for himself. If he is sure that he could not have done it without the help of the dish polisher, dishwashers, cleaners and cooks, then the “tea” is divided among everyone involved in the service process. At the same time, in some establishments, the waiter's remuneration is collected in a common box, and then divided among the entire staff. There are also restaurants where the administrator has established a rule that the waiter does not have the right to take the entire amount for himself, and in mandatory must split tips with cooks and bartenders.
Should you tip with coins or small bills?
Undoubtedly, this is better than nothing, because a penny saves the ruble. Considering that there are usually many such visitors per day, for this little thing you can buy, for example, a pack of cigarettes or leave by taxi after a night shift. But again, you need to be careful. Having eaten for 490 rubles and paid 500, it is not recommended to loudly say to the whole room, “No change needed!” This may offend the waiter. There is a chance that you will definitely not like this establishment the second time. The same applies to the situation with business lunches, which we discussed above.
It’s better not to make such “broad” gestures - it’s stupid. It's better to just pay and leave. But any small change left by visitors as a tip is collected and set aside. From 5-10 such small tips you can save up for cigarettes - a trifle, but nice, says Nikita Podkorytov.
How much does a waiter receive in tips per month?
We asked the waiters and owners of establishments in Chelyabinsk about this.
At Slavyanka, my salary consists of a salary and a bonus for working at banquets, plus bonuses from the sale of expensive alcohol. Of these, the salary is minimum wage, approximately 7900. The rest varies depending on how productive the month was. In the worst case, the salary is half the salary, in the best – a quarter,” shares Evgeniy Firyago.
At my current place of work there are practically none, but in the past I doubled my salary with tips. This is because rich people came to us and could leave large sums. You could get 10 thousand for ten minutes of work, but you could be left without tea for the whole evening. But, as a rule, at the end of the day the thousand was definitely in my pocket. This is on the condition that tips are shared in our network,” notes Nikita Podkorytov.
Unfortunately, the employer often gets into the waiter's pocket. Somewhere they pay a penny salary, in the range of 6-8 thousand a month, explaining that “well, you have tips.” And someone takes a 15% tip from the waiter simply because “we give you the opportunity to earn money.” Personally, I think that reaching into someone else’s pocket is low,” says Tatyana Starovoitova, manager of the Decameron restaurant.
Tipping is not only the personal merit of the waiter, it is good service and joint work with the kitchen. Therefore, the employer does not have the right to take tips into account when paying the waiter. “I had a motivation program in my restaurant: 30 rubles per hour and a percentage of personal sales, plus bonuses for fulfilling the plan and personal tips,” Timur Zhanaidarov, kitchen curator at the PLOVE restaurant, shared his experience.
Do waiters get offended when they don't leave a tip?
All the waiters we interviewed answered approximately the same: “you get used to it.” Let us repeat, in our country tipping is more a rarity than a rule. And many do not know how to do this, although there is a desire. The most common request from waiters is: “there is no need to turn tips into the appearance of Christ to the people.” I wanted to thank you with money - I left as much as needed, thanked him and left. If you want to, but you can’t, you say “thank you” and leave. But it’s not worth organizing a circus once again and asking for the laurels of a generous donor. This insults both the waiter and the establishment as a whole. Therefore, there is no better gratitude than a respectful attitude towards the work of any person, despite social status or welfare.
Tipping as a form of voluntary reward for quality service is the norm in many countries popular with tourists.
Natural questions arise about tipping etiquette: when, to whom and how much to pay, how to transfer money - in person or leave it in a visible place. Finally, tipping is not only a point of etiquette, but also an expense that must be foreseen in advance.
In crowded resorts and in countries where the tradition of tipping has developed historically, additional monetary incentives are given to waiters, bartenders, hotel staff, flight attendants, bus and taxi drivers, tour guides, and, less commonly, hairdressers and gas station workers.
At the same time, the etiquette of other countries not only does not imply monetary gratitude for an already paid service, but also gives grounds to regard such an impulse as a way to humiliate the service personnel. That is why before your trip it is always appropriate to familiarize yourself with the traditions of the country you are going to visit.
How much is it customary to tip?
The optimal tip size varies across countries, and often across regions within a country. The gradation of payments is observed by service areas. Below is the average size tips abroad: who gets paid and how much depending on their profession.
- Waiter, bartender, cook - 10%;
- Taxi driver - 10-15%;
- Porter - 1-2 euros;
- Maid - 5 euros per week;
- Guide - 5-10 euros;
- Courier - 1-2 euros;
- Flight attendant - 5 euros.
You can leave a tip not only in cash; some restaurants offer to choose the amount to write off from your card. In a number of fast food establishments and small hotels, the issue of staff remuneration is resolved even more simply: there is a tip jar in a prominent place.
There is no need to worry about the size of the tip if it is included in the bill and has already been written down. on a separate line. And if the service was excellent, even in this case you can thank them additionally by adding another 5-10% to the check.
Tipping in Russia
Dear readers, how much do you tip when traveling? We would be grateful if you share your experience in the comments below.
A good question was raised here by the editors. The cloakroom attendant hung up your jacket. We brought our things to the hotel. We fixed the faucet at home. To thank or not?
And okay, yes/no, but what to do with the tip amount is a complete mystery. Everyone has their own idea of how much to tip. Some give 5%, some 10%, some worry and even count 7%.
Answer it yourself: In general, we need to figure it out. So we decided to do it. And to make it doubly useful for you, we found a plastic card that allows you to tip for free.
What is a “tip” anyway?
A tip is an additional reward (or “bonus”) to a person, which is given on top of the usual amount for a service or product. A way to support a person for his efforts or a job well done.
The frequency and amounts vary - there are no generally accepted standards, and there are no laws that regulate it. Therefore, there is no understanding of who to give and how much.
Statistics for Russia: only half of us tip. 25-30% cannot calculate the amount. And 25% do not tip. Don't do this, it's just not nice.
How much tip is customary to give in Russia?
5-15% on top of the bill. The exact amount is determined by a bunch of factors, and among them: the quality of service, the type of establishment (a simple cafe, an expensive hotel, an elite restaurant), the opinion of the visitor (generosity, mood, current situation), the amount in the check - a modest lunch for 300 rubles. or a banquet for 1 million If there are no complaints, just leave about 10%. This is the standard. Why is tipping good? In the service sector, many people actually work for tips - and at the minimum possible wage. Therefore, every time you don't tip, you are effectively depriving the person of their salary. And not necessarily the one who directly served you. For example, in restaurants, tips are often sent into a common “pot”, from which the cooks and other restaurant kitchen workers are then paid. I felt it myself when I worked as a waiter for six months.
Who should tip? Waiter in a restaurant: you need to ask for the bill, pay and get change. And then leave the required amount in cash. We leave 10%.
Well, yes, if the waiter arbitrarily took the change you are waiting for, do not hesitate to demand it.
When paying by card in Russia, tips are usually given in cash. It is not customary for us to leave a tip by bank transfer: you can ask to write it into the receipt, but the establishment has every right to refuse. I had a ride once, but the other time (on Arbat) I didn’t.
Beauty salon: you can deposit the total amount at the reception desk. But it is better to distribute it to those who took part in the process. More than 10% is not left.
Taxi: you can leave him 5-10%. Nowadays, most services offer to leave a tip directly in the application, so this has become quite easy. By the way, for example, in Greece and Belgium it is not customary to tip taxi drivers.
In a hotel: tips for the maid or doorman are not required; they can be left according to your mood, depending on your own assessment of the quality of service and the status of the hotel. The concierge, elevator operator, and garbage collector are not given tips. Refuelers, car washers: you can tip the gas station attendant and car wash within 10% of the cost of the service. I give 100 rubles to the gas station attendant so that he doesn’t freeze. Do not forget that you should not leave less than 50 rubles - tea in small change can cause mental curses sent after you.
Delivery workers, couriers: for the delivery of water, food and orders in restaurants - optional, but not more than 10%, and if the delivery was free.
They definitely don’t leave it to: a flight attendant, a guide, a translator, a chef, a fellow traveler on the train for help with things, a personal trainer, a psychoanalyst, doctors.
How nice it is to tip in different countries of the world
Attitudes towards tipping vary greatly around the world, as do the amounts.
Watch carefully! In some countries, it is customary to include a tip in the bill - in this case, there is no need to leave anything on top.
If you encounter special tipping standards somewhere in the world, share this with us in the comments, and let’s help each other look polite when traveling.
How to get money back for tips (for now only)
You need to order a Smart Card. This is not just a plastic bank card. It has both a standard cashback on everything and a special, thematic cashback that changes once a month. In fact, the Smart Card adapts to the most important events of each month, and is therefore beneficial exactly when you need it most.
In February there is an additional increased cashback of 10% in: restaurants
cafes and coffee shops
and other catering establishments. Even for a Big Mac. Cashback in promotional categories (as much as 10%!) is always credited in addition to the basic cashback on the Smart Card - 1% or even 1.5% (standard cashback increases to 1.5% if you spend more than 30 on the card this month 000 rubles). An example of the benefit of Smart Cards in February:
Today I had breakfast with a sandwich and coffee for 250 rubles, then had a modest lunch for 300 rubles, and in the evening I took my beloved to a restaurant (I paid 1900 rubles for two, it was worth it). In total it turned out to be 2450 rubles. Returned via Smart Card: 281.75 in one day (provided that the cashback was 1.5%, and even without it they would have returned 269.5 rubles)!
More than 250 rubles - by the way, this is breakfast.
In addition to profitable cashback, the card has other favorable conditions: they give 7.5% per annum on a savings account, and allow you to withdraw cash up to 50 thousand rubles for free. per month from any ATM, if you meet the minimum conditions (and even without them there are some free withdrawals, you definitely won’t be left without cash at the right time). There is always cashback from 1 to 1.5% on any purchases, regardless of current promotions. How to order a Smart Card To order a card, you need to download the Otkritie Bank application. It is not necessary to be a bank client - you can submit an application for a card both before and after registering in the application.
As soon as the courier delivers the card, you activate it directly in the same application - and that’s it, you can get back up to 11.5% from each check and be happy, of course :)
Delivery of “Smart Cards” is free, registration is also free. It is enough to have a passport with you; the release time is 3-5 working days. Download the application and order a Smart Card! Through the “Discoveries” application, for example, you will monitor the accrual of cashback, the number of free withdrawals from ATMs, and use everything that we are used to: for example, pay for a mobile phone or transfer money to friends. In the application you can also: pay for mobile, housing and communal services, Internet and television;
replenish Troika and Strelka cards without queuing at the cash desk;
transfer money to friends and acquaintances using a phone number or card;
issue new cards, open deposits with favorable rates and convenient accounts;
find the nearest ATM of the Otkritie group (by the way, there are more than 3,000 of them in Russia);
if there is no ATM nearby, top up the card from cards of any other Russian banks. And much more. In general, if you want 11.5% cashback in restaurants, order a Smart Card with delivery to 34 cities in Russia. And after that, tip correctly - and in February it’s also free. Bon appetit in the evening!