Bank cards, tariffs. All cards of belarusbank Credit card online in belarus
07:09 22.02.2019
Free cards, all other things being equal, will always be more popular than those cards that are issued and serviced for money.
The free card is often chosen because:
- card turnover is small and there is no point in spending money on its maintenance;
- the card is not going to be used regularly and do not want problems in the future due to overdue debt on a forgotten card;
- you do not need the card itself, but access to the bank's services: Internet banking, mobile applications, the ability to remotely open deposits, etc.
Yeast Visa Classic Bank Idea
International Visa card, currency - Belorussian rubles.
Yeast combines the usual functionality of the Visa Classic standard and special features from Idea Bank:
- the card is issued and serviced free of charge;
- Yeast can be ordered not only in a branch of the Bank, but also via the Internet;
- to receive the Card, it is enough to visit the Bank 1 time;
- the funds of the card account are credited 3% per annum.
For a small additional fee (10 rubles) you can insure card account money.
Another nice bonus - the ability to issue a card with an individual design.
BELKART-Standard from Belarusbank
Platform - BELKART, currency - Belarusian rubles.
The balance of the card account is charged 0.5% per annum. Cashback (return of part of the payment paid from the card) 3% for the purchase of BelZhD tickets. It is possible to issue an overdraft card.
Virtual card Visa Classic from Belarusbank
A virtual card of Belarusbank on the Visa Classic platform is issued instantly in the Internet banking system with subsequent access to all banking operations in systems remote service bank (registration of Internet deposits, money transfers, etc.). It can be used as a tool for payments on the Internet.
The card is issued to an existing account or to a new one in any of four currencies (Belarusian rubles, US dollars, euros and Russian rubles). The card is valid for 2 years. The account is monthly charged 0.5% on the balance in Belarusian rubles and 0.1% on the balance in foreign currency.
BELKART-Standard from Bank BelVEB
Card standard - BELKART, currency - Belarusian rubles.
The advantage of the card is the ability to receive discounts at partner organizations of the bank.
A similar card can be issued free of charge in the name of the child - BELKART-Standard "Children's". The card is issued as an addition to the account of one of the legal representatives (parents, adoptive parents or guardians). It is offered in three design options (at the client's choice at the bank office).
Interest on the balance - 0.01% per annum. Bank BelVEB has a smaller ATM partner network, but there are more partner banks.
Virtual card MasterCard Standard from Bank BelVEB
Virtual card on the platform of the international MasterCard system. Available for registration in Belarusian rubles, US dollars and euros without visiting the bank's office. It is intended for making payments on Internet portals registered both in the territory of the Republic of Belarus and abroad, including the Internet bank. A special feature of the card is the ability to withdraw cash by QR code at ATMs of the bank and partner banks.
The interest on the balance is 0.01% per annum, regardless of the currency of the account to which the card is issued.
Visa Classic Belgazprombank
Platform - Visa, card level - Classic
The possibilities of this card are much wider than those of the previous ones:
- international card
- on the map you can conduct contactless payments;
- card supports Samsung Pay system and safety standard 3D Secure.
- the balance on the card is charged 0.01% per annum.
Among the partners of Belgazprobank is such a domestic giant as Belagroprombank, thanks to which you can withdraw cash from the card without commission at many ATMs.
Mastercard Standard Belgazprombank
Platform - Mastercard, card level - Standard, currency - Belarusian or Russian rubles, US dollars, euros, Polish zlotys.
All card parameters, with the exception of the platform, are identical to the previous Belgazprombank product.
Belgazprombank Mastercard Gold virtual card
The card supports Samsung Pay system and safety standard 3D Secure.
Despite the fact that the card does not have a plastic carrier, it is useful not only for payments on the Internet, but also provides an opportunity to pay for everyday purchases in regular stores using the Samsung Pay system.
Premium segment card, which means it participates in loyalty programs international system Mastercard.
The balance of the card account is charged 0.01% per annum.
CashAlot from Belgazprombank
Platform - Visa, currency - Belarusian rubles.
The main conditions of the card are as follows:
- Up to 10% cashback in the network of partners of Belgazprombank;
- up to 1% refund for other purchases, incl. committed in Belarusian online stores;
- the maximum cashback size is not limited;
- international card, you can pay with it abroad and on the Internet;
- on the map you can conduct contactless payments;
- card supports Samsung Pay system and safety standard 3D Secure.
- the amount of the card account balance is charged 0,1% .
The product impresses with the clarity of the conditions and the absence of additional restrictions on operations.
A wide network of partner ATMs allows you to withdraw cash without commission. But with such conditions on the card it is more pleasant to pay with it and receive bonuses in the form of real money back to the card.
Visa VirtualReality from Belinvestbank
Virtual card on the Visa platform, currency - Belarusian and Russian rubles, dollars, euros.
Since the card does not have a plastic medium, it is suitable for payments on the Internet, for making non-cash payments in the Internet bank and mobile application... In addition, with its help, you can open online deposits (deposits) and pay for loans, take out insurance and purchase other services without visiting a bank.
You do not need to visit a bank branch to become a cardholder. You can apply for a card around the clock in mobile or Internet banking, and Visa VR will be activated literally within a few hours! Personal CVV2 code will be sent via SMS.
It is appropriate to have such a card for payments in online stores, so as not to disclose the data of the main card. They usually transfer to such virtual cards exactly as much as needed for the next payments.
The balance of the card account is charged 0.01% per annum.
Cashelkoff from Belinvestbank
The Cashelkoff virtual card is also on the Visa platform, the currency is Belarusian rubles. Unlike the previous product, it has a number of additional benefits.
Thanks to the loyalty program with the network of shops "ON" Svyazi, the card will allow you to return up to RUB 500 from each purchase. By purchasing mobile phones and other gadgets from the products recommended by the network, the cardholder receives all the benefits of an official guarantee and a refund on the card without charging a commission.
Cashelkoff is valid for three years. The fee for the issue and maintenance of the card during its validity period, as well as its re-issue, is 0 rubles!
In addition, the card is a universal means of payment that works perfectly well without a loyalty program. Cashelkoff is for those who are interested in safe and convenient shopping on the Internet.
Mastercard StandardVirtual BPS-Sberbank
Virtual card on the Mastercard platform, currency - Belarusian and Russian rubles, dollars, euros.
The main parameters of the card are the same as those described for the previous virtual product.
However, they add 3D Secure and Samsung Pay... The latter service allows you to pay by card not only in virtual reality, but also in real stores.
BELKART-Standard from Zepter Bank
Card platform - BELKART, currency - Belarusian rubles.
This version of BELKART-Standard does not promise surprises, but it provides standard payment card functions.
Zepter Bank does not have a large network of its own or partner ATMs for free cash withdrawals. But card payments are possible throughout Belarus without additional restrictions.
The balance on the card is charged up to 0.01% per annum.
Maxima Plus from BNB-Bank
Card platform - Visa, currency - Belarusian rubles, US dollars, euros.
This is an international card with free issue and service. BNB-Bank does not promise a wide ATM network, but card payments are accepted without problems in Belarus, abroad and on the Internet. You can make contactless payments with the card.
The balance of funds on the card account is credited annually at a rate of up to 2.5%.
A-Rate Alfa-Bank
Multifunctional card on the Mastercard platform, currency - Belarusian rubles. The card is not personalized, with fast registration and delivery to the client.
A-Course stands out among others free cards a wealth of opportunities. The following are added to the usual functionality of the international Mastercard:
- favorable exchange rate for card funds from Belarusian rubles to US dollars and bonuses for such operations;
- opening a savings account in dollars to a ruble card account;
- cashback up to 0.5%.
Alfa-Bank has a wide network of partner banks.
IKS Card of MTBank
Virtual card with special features, currency - Belarusian rubles, dollars, euros.
ICS Card combines the functions of a card and a remote access application. This card cannot be inserted into an ATM or terminal, but its account cards can be used to make contactless payments with a mobile phone via the NFC module.
The main advantage of the ICS Card is that it provides special features and benefits to other MTBank cards that the client already has:
- in the network of partner stores, this card can be used to pay under the terms of Halva;
- abroad it works like PayOkay;
- you can collect bonuses on the card, get cashback;
- the conditions of the Autocard will apply at the gas station.
Interest on the balance on the IKS Card is not charged.
Text: Igor SMIRNOV
You can top up cards for free:
- at the cash desks of the Bank "Decision";
- through the "Settlement" system (ERIP) in any way convenient for you: "Banking, financial services" - "Banks, NKFO" - "Bank Decision"
- on the Bank's website - "Card replenishment (online)";
- from QIWI Wallet - "Card replenishment (online)";
- cards MasterCard World"Be healthy", MasterCard World "Velokarta", Visa Gold and Visa Platinum at the cash desks of Belarusbank.
For transfers, you will need the contract number, which can be viewed in the Mobile Bank in the "About card" section.
What bank cards does Solution Bank offer?
Bank "Solution" offers a wide range of different bank cards, each of which has its own characteristics and advantages.
At the moment, our Bank cooperates with all payment systems used in the Republic of Belarus: BELKART, Mastercard and Visa.
In our Bank, you can issue widespread debit and salary plastic cards, which are possible in a more exclusive version, for example, premium and currency cards.
Thus, you have the opportunity to choose exactly that payment card that will best suit your needs and desires.
By geography of use, one can distinguish:
- bank cards for payment for goods and services only on the territory of the Republic of Belarus;
- bank cards that can be fully used both on the territory of the Republic of Belarus and abroad.
You can arrange:
- Salary plastic cards issued by companies for their employees. Salaries are credited to these cards;
- Debit cards are issued by clients independently, without reference to the corporate program.
Bank card from Bank "Solution": advantages and features
- We offer a wide selection of cards, which will allow each client to choose the most optimal option.
- You can be completely confident in the safety of your funds.
- You have the opportunity to issue a card that, thanks to PayPass / payWave technologies, allows you to make contactless payments.
- If you have a card, you can get a number of related services that will make using our Bank's cards even more comfortable (for example, you can set up auto payments and SMS notifications about card transactions).
- If you have a Bank "Solution" card, you can use the capabilities of mobile and Internet banking systems.
- Your bank card will be issued as soon as possible (within 1-2 days).
- The Bank's card "Decision" can be valid for up to 5 years.
- Validity period - up to 5 years.
- We have special loyalty programs for our cardholders.
List of payment cards issued by our bank
Map Is a popular choice among customers who are accustomed to getting the best. Cardholders receive a large list of related services that make the use of such a card as comfortable as possible both in Belarus and abroad.
Visa Platinum card- a card with which you will have access to premium offers from Visa, various bonuses and discounts.
Map Belkart-Maestro "Dudutki"- with this card you will receive such benefits as cashback and discounts when paying for the services of partner organizations.
MasterCard World card "Be healthy"- such a card is ideal for those who pay special attention to their health. With it, you will have access to discounts when paying for medical services.
MasterCard World "Velocard" Is a great option for all cyclists. When using this card to pay for goods in bicycle shops, you will receive pleasant bonuses.
Visa Virtual Card- this is virtual card for making online payments. Her main feature lies in the fact that it has no physical medium. The holder receives the card details, which are indicated when paying for goods and services.
Bank card issuance
To issue a traditional payment card at the Bank "Reshenie", you need to visit one of our bank branches, which are open both in Minsk and in other regions of Belarus. And if you want to become a card user Visa Virtual, then for its registration it is enough to use the mobile application of our bank.
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An urgent question for Russian tourists and travelers is which card to choose for a trip: Visa or MasterCard? Which bank? Should I withdraw money from a card at an ATM in Belarus? Does it make sense to take only cash with you, hoping to change it in the exchanger? Where is the best course - in banks of Belarus or in international payment systems Oh? Read about everything below.
The question of choosing a bank card for a trip arose before me quite recently - when planning a small trip to Belarus, materials from which will definitely appear on the site. It was not possible to find a clear answer to it on the Internet, so during the trip I decided to formulate it myself, taking with me three different debit cards and small amount cash. Running a little ahead best result I managed to find it.
Denomination
Why has the relevance in bank plastic cards increased right now? The fact is that denomination took place in Belarus on July 1, 2016 Belarusian ruble. And it turned out to be not as convenient as it once was in Russia. Let me remind you that three zeros were "truncated" here. Thousands became rubles, the design of equivalent notes practically did not change. It was difficult to get confused, even when both old and new money were in circulation. In Belarus, they went their own way and "cut off" four zeros. Those. the recent paper thousand began to equal 10 metal kopecks. It is not comfortable. Especially considering that by the end of 2016 both old and new money will be in circulation. These are new:
![](https://i2.wp.com/tudali.ru/sites/default/files/styles/large/public/foto/dengi-dengi.jpg)
In stores and other trading platforms, you will see two price tags. Cash desks knock out checks in different ways: some with old rubles, others with new ones. Change is also given to you in a mixture. The Belarusians themselves are confused, what can we say about travelers ... But when paying with a card you don't have to get confused, no need to check change, no need to worry about exchange, and no need to carry a bunch of small change or old-style paper rubles in your wallet.
A little more information about denomination.
Suddenly, for example, you still have old-style Belarusian rubles - is it worth hurrying to Belarus to change them? No, not worth it. Until the end of 2016, they are in circulation throughout the country. , and if you do not have time here, then until the end of 2021 you will be expected at the National Bank. I will also note that the money, though formally and new, was printed back in 2009.
And yes, if earlier we came to Belarus and immediately became millionaires, now the opposite is true.
Card or cash?
Trifle
If we mean Belarusian money, then everything is about the same as at home. Who likes what. However, there is one significant nuance associated again with the denomination. This is a lot of small change in your pockets (in this case, I mean coins). If in Russia the most valuable "trifle" is 10 rubles, then in Belarus it is 2 rubles(in terms of our about 67 rubles, not the smallest amount). If you can put a change in your pocket and then give it all to the driver of the minibus, then in Belarus you will have to pay with it all the time, otherwise you will collect whole mountains of very expensive coins. When using a credit card, little things can be practically forgotten.
Spreading
Cash is, of course, ubiquitous. What about bank cards? I traveled to different parts of Belarus for a week and a half and paid everywhere with cards: in museums, cafes, shops, metro stations, souvenir stalls, second-hand shops, railway and auto stations, hostels and many other places.
Cards were not accepted only:
In two hostels.
In minibuses and trolley buses (when buying a ticket from the driver).
When buying a set of bed linen from a conductor in a reserved seat carriage. Yes, now linen is not included in the ticket price.
At an ATM at the station to pay for local mobile communications (I will write about this in more detail later in the corresponding article).
At the self-service terminal at the train station to buy a train ticket. However, there were no problems at the railway ticket offices.
Conclusion: you need to have a little cash with you in any case.
When I entered Belarus, I changed 3000 Russian rubles , more than enough. So much so that on the last day in the supermarket I paid in cash on purpose.
Visa or Mastercard? In terms of distribution, almost all the same. During the whole trip, I came across only one supermarket that did not accept a Visa. And Mastercard was accepted everywhere. Read about the benefits in terms of the course below.
Cash exchange or ATM withdrawal?
Undoubtedly, it is more profitable to acquire Belarusian rubles in exchange offices when operating with cash. WITH plastic card it is not profitable to withdraw money. Yes, the rate will remain the same, but the rental rate will be added to it. It is different in each bank.
The conclusion is the same: you need to take some cash rubles with you in any case. Change them immediately upon entry.
How do we consider the course in this material?
As well as central bank RF, i.e. from our side - how many Russian rubles should be paid for 1 Belarusian. Figures, say 33.34, indicate that 1 Belarusian ruble costs 33 Russian rubles and another 34 kopecks. - how many Belarusian rubles will they give us for 100 Russians, don't get confused. See the rate of 3.02 in the exchanger? This means that for our 100 rubles you will be given 3 Belarusian rubles and two kopecks. To convert this course to our original, you need to divide 100 by 3.02. It will be 33.11.
Comparison of conversion rates of Russian rubles to Belarusian rubles
Participants:
Exchanger "Belinvestbank" (personifies the average rate for Belarusian banks, verified)
Well The Central Bank RF
Three debit (i.e. we spend only what we have) bank cards - Yandex Money (hereinafter I), QIWI Visa Plastic (hereinafter - Kiwi), Corn
Why are these cards and not others? Firstly, anyone can get them without any special difficulties. Secondly, I had no other maps before the trip. But if you want to compare your bank's debit card - find out its rates and include them in the list yourself. And probably it is not worth explaining once again why it is better not to take a salary or just a card with an impressive balance with you on a trip.
More about maps
Map Corn(payment MasterCard system) can be obtained in Euroset for 100 rubles... Don't forget your passport. Moreover, these 100 rubles they will not be taken away from you, but they will be put into your own account. Roughly speaking, in a couple of minutes you can spend them in a nearby store. The card is given for a rather long period of time (I don't remember when I received it, but there are still 5 years left until the end of the validity period).
The main disadvantage of Kukuruza is that the card balance can be replenished only in Euroset without commission.(In 2018, several more places of interest-free replenishment were added, for example, Svyaznoy salons and MKB ATMs.)
Upd from September 2019. It is also possible to replenish Kukuruza without interest from a card of another bank, for example, Sberbank. this was mentioned by one of the readers. Subsequently, I myself repeated this experience. Read more at the end of the post.
Pay attention: Belarus also has Euroset, but it is not directly connected with the Russian one, it will not be possible to replenish the balance of the Corn in it.
When paying for various goods with Corn, you are awarded bonuses (0.5% or 1.5% of the costs, the percentage depends on the card level). They can be spent in the same "Euroset", paying 100% of the purchase with bonuses. I do not need anything in Euroset, so I successfully spend bonuses in the Perekrestok supermarket, here they are allowed to pay up to 30% of the purchase (including promotional items and special offers).
And also, Kukuruza has SMS informing for free, which is rare nowadays. Upd. From March 12, 2019 SMS-informing from "Kukuruza" becomes paid, 49 rubles per month. So it makes sense to abandon it, replacing it with mobile push notifications, and only connect it on trips.
When converting to foreign currencies (not dollars or euros), the MasterCard rate is used to convert to US dollars. Then the course of the Central Bank of the Russian Federation is taken to convert dollars into rubles.
at the time of the payment, the amount in rubles is blocked on your card at the above rates plus 5% (you receive information via SMS that the money has been debited, but this is not entirely true). The real write-off takes place in three days (+/-) at the rates for the corresponding number, the difference is returned to the account (they do not inform about this in SMS; in my opinion, it is correct). 5% is not a Corn commission, it is insurance against a sharp jump in exchange rates. If it does not exist, you will be given this 5% back.
QIWI Visa Plastic(Visa payment system) is a card from a Qiwi wallet, card balance = your wallet balance. Convenient if, for example, you receive wages via Kiwi. To withdraw cash from it, you will have to lose interest, and payment in ordinary stores, etc. occurs without interest, it is profitable. The most budgetary Kiwi card costs 150 rubles for two years. You can get it by mail. SMS informing - 49 rubles per month.
When converting into foreign currency (not directly exchanged by the Qiwi bank, i.e. not the dollar, euro, tenge, hryvnia, Swiss franc, somoni), the Visa rate is used to convert to dollars, then at the rate of the Qiwi bank, dollars are converted into rubles.
When paying, the amount in rubles at the current exchange rates is debited from your account. Everything. There will be no more operations. The only inconvenience is that in the Qiwi interface, all this is reflected only in rubles, and if you do not save the receipt from the store, then you will not be able to calculate the rate in fact.
(payment system MasterCard) - everything is the same as with Qiwi. Just another payment system. The YAD card costs 300 rubles for three years. SMS informing - 50 rubles per month (350 rubles per year) .
When converting into foreign currency, the MasterCard rate is used, to which YAD adds 2%.
at the time of the payment, the amount in rubles is debited from your account at the current rate of MasterCard + 2% (income percentage of poison, it will not be returned to you). In a day or two, there will be a recalculation at the new MasterCard rate, and some small difference will be added to your account or, on the contrary, they will be written off (which they will not fail to inform you about).
Further
It's somehow difficult with the calculations, right? In order not to go into the deep jungle, all the following courses on cards were deduced by me solely from comparing the spent Belarusian rubles (for checks) with the amount of Russian rubles written off on cards according to the history of payments. Where there was a rate adjustment, the amount already adjusted was taken into account, i.e. actual. Immediately, I note that the courses for cards, as it turned out, are not recorded during the day. I will not go into details, which I myself do not yet understand, just do not be surprised that the numbers for the day will differ. Well, it is clear that in this case, the lower the rate, the more profitable the deal.
Some statistics
Poison card
First payment = course 34.09
Second payment = course 34.07
Kiwi Map
= course 33.74
Exchange "Belinvestbank"
= course 33.78
TSB RF
Poison card
First payment = course 33.94
Second payment = course 34.06
Third payment = course 34.08
The rest of the courses are the same since the weekend.
First payment = course 33.09
Second payment =
Third payment =
Poison card
= course 33.82
TSB RF
= 33,25
Belinvestbank's rate for this date could not be found. But it is definitely not lower than the rate of the Central Bank of the Russian Federation.
Summing up
As you can see, from the proposed three cards, as well as the average Belarusian exchanger, the Kukuruza card turns out to be the sole leaders, with it the rate is the most profitable. With ease of use and even some bonuses. This is the answer to the question from the title of the article, short and to the point:.
![](https://i0.wp.com/tudali.ru/sites/default/files/styles/medium-crop/public/foto/dscn1849.jpg)
Kiwi card at a rate approximately at the level of the average exchanger. The only benefit is convenience. What, it is quite possible to take it with you as a spare... But the YAD card showed the worst result, thanks to its 2% commission, its rate covers even the most disadvantageous currency exchangers. This is no good, so it is better to leave the Yandex Money card at home when traveling.
The statistics, of course, are not the most complete, but quite indicative. Below in the note there will still be a comparison of Kukuruza with Sberbank cards, and in the comments you can find information about other bank cards, for example, VTB or Tinkoff.
Important: about the security policy
I stumbled upon an article about traveling with a poison map in their official blog (later the information was confirmed in the Yandex Money help). And it says that the card can be blocked when paying abroad... Like, suddenly someone stole your card and went to spend your money.
How can you prove that you are not a camel? And how to rest calmly without being afraid of a possible card blocking? Before traveling, you need to send a message to supportmoney.yandex.ru with the subject "Traveling abroad with a Yandex.Money card". In the message it is necessary to indicate "full name, phone number linked to the account, travel dates and countries you plan to visit".
Not bad? When asked why Yandex needs such detailed information, you will not be answered. Either send or worry about blocking. Moreover, the dates require specifying specific ones, for example, “I don’t know yet, I’ll be back sometime in early October” will not work. I didn't want to worry, I sent them all the information, the card was not blocked, although they were forced to enter the PIN code everywhere.
Why is all this being done? "For your own safety, in case your card is stolen." Is it possible to take care of your own safety, i.e. once to warn the comrades from the bank, and then safely go abroad, without fear of blocking? No. Every time as in the first class.
In Kukuruz, the situation is the same, however, you can solve everything over the phone in a couple of minutes (look for the phone number on the map). Again, I personally warned about the trip, the card was not blocked. Although, judging by the reviews on the Internet, most likely they would not have been blocked anyway.
In Qiwi, I did not find an item about blocking. Therefore, I did not inform anyone. The card was not blocked.
The above is relevant for October 2016, with partial later edits. / Em>January 2017 update
This time I did not use the Yandex-money card in Belarus, since it could not stand the competition. I also advised my companions to arrange for themselves Kukuruza before the trip, but they safely ignored the advice (they say, "What kind of Kukuruza is this? Well her") and went to Belarus with cash.
They spent several hours in total in Minsk looking for working exchangers with the best course, while I calmly paid for purchases with Kukuruza or Qiwi cards: in stores, in cafes, and in dental clinic(read about dental treatment in Belarus in this article). Cards were not accepted only when renting housing from a private owner, at Komarovsky market (however, there is an exchange office right at the entrance) and paying for a bus / minibus.
![](https://i0.wp.com/tudali.ru/sites/default/files/styles/medium-crop/public/foto1/yad-new.jpg)
The conclusions are as follows: my companions, having abandoned Corn, lost at least 50 Russian kopecks from each Belarusian ruble on the difference in exchange rates. From 10 thousand - this 150 rubles(+ 50 rubles in bonuses). It's not much, in general. But comfort and convenience, coupled with financial benefits, can hardly be overestimated. By the way, unlike satellites, I did not have to feverishly spend the remaining Belarusian cash before leaving. I took with me "just in case" 20 rub. (620 rubles), the same amount remained in my pocket.
January course comparison
Everything is indicative and clear. Interesting jumps in the course of the Corn literally by the minute. The first number on the list is the time, the second is the course.
10:26 = 30,48
10:30 = 30,45
11:30 = 30,41
12:30 = 30,48
20:17 = 30,46
21:00 = 30,55
21:23 = 30,56
Kiwi Map
20:17 = 31,14
11:25 = 30,69
13:25 = 30,65
14:53 = 30,66
15:10 = 30,70
15:34 = 30,60
Eurotorginvestbank exchanger
18:04 = 32,05
Exchanger "Technobank" (one of the most profitable in Minsk)
20:18 = 31,25
Kiwi Map
17:26 = 30,88
22:47 = 30,88
Exchanger "Technobank"
13:33 = 31,06
9:31 = 30,39
Kiwi Map
13:12 = 30,84
13:46 = 30,84
Central Bank rate
= 30,57
conclusions
The Kiwi card again blocked the exchangers for profit, and Kukuruza predictably blocked it too.
In Kiwi, it seems that the rate does not change during the day, unlike the Belarusian exchangers or the same Kukuruza.
The difference between the Corn rate and the exchange rate is quite significant. On average - from 50 kopecks to 1 ruble.
The exchange rate of the Belarusian ruble is still falling rapidly, therefore holding Belarusian cash on hand is extremely unprofitable.
One more remark about "security policy". This time I did not inform anyone, the cards were not blocked.
Comparison of rates for calculations by Kukuruza and Sberbank cards from July 2018
Due to numerous requests, during my next trip to Belarus, I decided to get at my disposal a couple of bank cards of Sberbank and compare the rates of the Belarusian ruble between them and Kukuruza. Whenever possible, I tried to bring the calculations to one time.
The results turned out, though predictable, but still curious in their own way.
Available cards:
Sberbank Visa(regular, salary)
Sberbank Maestro(not social, regular, salary)
Maestro uses exchange rate from MasterCard , incl. calculations for Maestro must be the same for maps Sberbank MasterCard ... Let me remind you that social Maestro as well as cards PEACE, will not operate abroad.
Corn MasterCard
Comparison of the exchange rates of the Belarusian ruble on bank cards of Sberbank and the Kukuruz card
And here we immediately get the first problem with Sberbank. Unlike Kukuruza, the most popular bank in the country does not inform about the rate at which it debits funds. Even at Sberbank. There is no online course, only the actual amount in foreign currency. And how to navigate in this, one wonders? ..
The solution, of course, lies on the surface - you just need to take the amount in rubles that was before the purchase, subtract the balance after the purchase from it and divide the difference by the costs in Belarusian rubles. And so on for each operation. Loss of time is guaranteed, but here is the rate of the Belarusian ruble from Sberbank. It is convenient [?] To take all numbers from SMS notifications, if, of course, you have a mobile bank connected.
In the table below, I tried to fit the received and calculated data in the most compact volume. The possible excessive scrupulousness is intentional, since in some places even the definition of minutes shows interesting results.
![](https://i2.wp.com/tudali.ru/sites/default/files/styles/large/public/other/belsberku-m.jpg)
I did not add information on the exchanger to the table, since they used it only once. Yes and June 15th the course was jumping all day, so the numbers are not very useful for conclusions. However, on a separate line:
Especially for those who do not have the desire or time to dig deeply and examine the picture, here are a couple of illustrative examples with the simultaneous (+/- minute) participation of all three cards:
June 11, 2018 7:08 pm
Sberbank Visa - 32,85
Sberbank Maestro - 31,71
Corn MasterCard- 31.17 (reserve); 31.17 (write-off)
June 15, 2018 6:13 pm
Sberbank Visa - 33,13
Sberbank Maestro - 32,94
Corn MasterCard- 31.60 (reserve); 31.25 (write-off)
Conclusions / summary
Bonus: how to withdraw cash from Corn at ATMs in Belarus without commission?
I used it myself. Liked. I decided to give a place in the note. By a funny coincidence, I did not withdraw money anywhere, but from an ATM of the Belarusian Sberbank.
To remove the commission on Corn, you just need to connect the option "interest on the balance" to your card. Come with a card and passport to any "Euroset" or "Svyaznoy", sign a couple of documents and that's it. Relevant for any Corn: Standard. World, PayPass... As a result, you can withdraw money without extra interest in Belarus, Russia, Europe and around the world. Fast, convenient and the most profitable course.
- What are the nuances:
Blocked on the card 249 rubles(they will be available again when you disable the option). September 2019 update: on the card at the time of activation of the service must be at least 259 rubles... For a while, these 259 rubles are blocked, a few days after connecting the interest on the balance, they will be returned to the balance.
There is no subscription fee, provided that either the balance of the card is from 5,000 rubles, or spending or replenishment of the card during the month exceeded 5,000 rubles[from September 2019] spending on the card per month is at least 3,000 rubles, not including payments from a mobile application or online bank (for example, replenishing the phone balance from the application does not count). If the condition with three thousand is not met they will write off in a month 70 rubles subscription fee.
If this is a problem, you can connect the option, go where you want and disable it... In the first two months, the service is free of charge anyway.
To avoid commissions, you must withdraw at least 5,000 rubles(or equivalent in local currency) and no more 50,000 rubles per month; in other cases, there will be a standard 1%, but not less 100 rubles.
For me minimum amount withdrawals are the most inconvenient limitation, since such amount of cash is simply not required in Belarus. Since September 2019, a big inconvenience has also been caused by the change in the conditions regarding the subscription fee, which was mentioned just above.
The commission can be taken by the ATM itself (which it must inform about), but ATMs with a commission are negligible in our time, they have not yet met me.
The card balance is converted to a bank deposit(banks may be different; now it is "Renaissance Credit" or "Opening").
Nothing changes in terms of using the card. Deposits are insured.
The name of the option unambiguously hints that some more interest will be received on the balance.
They really drip every month. A trifle, but nice.
Where to shoot? At any ATM with a logo MasterCard(i.e. practically any).
If you do not enable the option, the commission for cash withdrawal will be 1% (but not less 100 rubles). With the most favorable rate 1% is also generally not bad.
How easy and simple it is to transfer money from a Sberbank card to Kukuruza without a commission? September 2019 update
That's not news. The option has been available for several years. But since I am not a client of Sberbank, I still could not verify the information on personal experience. I tried with other cards mentioned in the article, the commission was charged on them.
Although, according to user reviews, most large banks do not charge interest for such a transfer. Specifically Sberbank really makes it possible to "pull" money from your card without commission... I tested the usual pension card Peace from Sberbank. [Subsequently still the simplest Maestro, but not on the corn service.]
- What should be done:
In the "Kukuruzy" mobile application, select the "top up" item.
We enter the number of the Sberbank card, the validity period and the amount of the transfer, which must be at least 3,000 rubles otherwise "Kukuruza" will take its commission, about which the relevant information should appear.
We press "top up" and wait until an SMS is sent to the phone to which the donor card is attached (in this case, the Sberbank card).
We enter the code and wait for the withdrawal / replenishment. In my experience when translating 6,000 rubles waiting was some seconds.
Subsequently, the used card will be saved in the "Kukuruzy" application for quick transfer without a new dialing and expiration date. But you can delete it right away.
Once again, I will clarify: the transfer must be done not through Sberbank Online (they will definitely take a commission there), but through the Kukuruzy mobile application. On the Euroset website they write that the Kukuruza online bank is also suitable, but I have not used it for several years. By the way, other banks, for example, MKB, have similar services for interest-free “pulling together”.
Nuance on Visa cards, information from the site "Kukuruza": "WITH Visa cards without using the Visa Direct service (VPP - visa personal payments) - [commission is charged] 1% (minimum 30 rubles) of the transfer amount. For information on using the service, check with the Bank that issued your card "... If you are planning to transfer money from a Visa, this issue should be clarified in advance.
When transferring a relatively large amount, order 100,000 rubles, be prepared for the fact that the security service of Sberbank may have questions, and you will need to give them some personal information by phone, such as a code word or passport number of the cardholder.
Another bonus: how to get it as a gift 300 rubles from "Kukuruza"?
For new holders of the "Kukuruza" card, at present, through simple manipulations, there is an opportunity get 300 bonus points to your account(those. 300 rubles). What is needed for this?
Get the "Kukuruza" card.
Install the Kukuruzy mobile application on your phone (also available in Google play, and in App Store). A handy program, but if you don't need it, you can remove it later.
Go to the application under your card, enter the promo code FR2391A7W
From the moment you receive your card, you have 7 days to enter the code. Further it will no longer be relevant.
Pay with your Kukuruza for any product in any store, on the Internet or make a payment in a mobile application (purchases in Euroset, Svyaznoy and on their websites are not taken into account). The purchase amount does not matter.
This must be done within 30 days from the date of receipt of the card.
The code can be used only once and only for new owners of "Kukuruza".
When using the above promo code, I will also receive a bonus. So if the note or comments below helped you or provided you with useful information, this corn action is a good opportunity to get yourself 300 bonuses, and express gratitude to the author. The comments are nice to read, though.
Please note: Euroset has finally abandoned the extra zero in bonuses, now 1 bonus point equals 1 ruble... Those. the former 3,000 turned into 300, somewhere they are displayed like this, somewhere like that, but in fact they are the same 300 rubles.
Also note: rate comparison between exchanger and Kukuruza (from July 2017), useful information O VTB card(strange commission + comparison of rates from 2018), and one more good comment (cashbacks and interest-free transfer to Kukuruza from a Sberbank card).This is an additional option that is used by almost all banks. Citizens have “tried” this feature and are deliberately looking for lenders who issue just such products. And banks are forced to adapt to the needs of borrowers, so now almost all credit cards are connected to the grace period. Credit cards without interest for using money are a popular product.
A grace or grace period is a period of 50 days or more. It is within its framework that you can use borrowed funds for free. Some banks, in order to attract borrowers, set even longer lending periods, up to 240 days. You will also find offers with such a long-term discount on this page, they are available for online registration.
Features of cards with a grace period:
- Please note that the grace period often applies only to payments for goods and services. Cashing out does not fall under its action. But there are exceptions, for example, in Alfa-Bank;
- so that the bank does not accrue interest, you need to close the debt in full before the grace expires. If it is 55 days, you must definitely meet it, otherwise an overpayment will be formed;
- the bank provides tools for tracking the grace period. Information can be seen in personal account... In addition, every month the client will receive SMS messages indicating minimum payment and the expiration date of the grace.
If you plan to use the card for 120 days without interest (or for another long period), do not forget to make monthly payments. They are required, despite the grace effect.
Where can I get a credit card without interest?
On the Brobank.ru portal, there are plenty of offers for issuing interest-free credit cards with a connected grace period. You can choose any of them and immediately submit an online application for issuance. The ideal options are credit cards with a discount of 100-110 days, consider the following interest-free products:
- This bank offers the largest interest-free period, its cards can be used free of charge for up to 240 days. There is no such offer anywhere else. But when choosing, keep in mind that the bank charges a service fee of 599 rubles per month. It is not charged if you spend more than 60,000 rubles non-cash per month.
- card with 120 days of free use. The bank offers a large limit of up to 1,000,000 rubles and free service for purchases of 15,000 rubles per month. If you need a limit of up to 100,000 rubles, you only need a passport, upon request larger amount 2-NDFL required.
- One of the most popular credit cards with a grace period, you can use it for free for up to 100 days. And the most attractive is a card without a commission for withdrawing cash within 50,000 rubles per month. In addition, grace also applies to withdrawals, which is extremely rare on the market.
- 110 days without interest. It's also a pretty interesting proposal. If you are interested in credit cards with cash withdrawals without interest, this is the option. For free service, it is enough to spend 8000 rubles from the card account for purchases.
- cashback card... You can use it for free for 111 days. In addition, the client receives another bonus - the cashback option, he returns back to the account up to 5% of the spent.
You may also be interested in the VTB Multicard, an interest-free period of 101 days is connected to it. If we consider the proposals of Sberbank, then its credit cards without interest can be used for a maximum of 50 days. Tinkoff also gives a benefit, but its term is up to 55 days.
Compare terms of issue different cards, read reviews from those who designed and use such a product. The most important thing is that when receiving a credit card, check with the manager from what moment the period begins when you can use a credit card without interest.
If the bank says that it sets a grace period of 90 days, then the report of these days can be kept from the date of production of the card, from the date of the first expense transaction... It is important to clarify this, so that later you do not get confused in terms. And it's better to immediately connect the online bank to view the grace dates. Banking is provided free of charge, through it you can carry out various payment transactions online, just keep track of the accounts.
How to cash out a credit card with a grace period
All credit cards can be withdrawn using any ATM. In this matter, it does not matter whose device you are using, even if it is a “native” bank, or any other. But an important point - the standard grace period does not apply to such transactions. And some banks turn it off altogether if the client withdraws cash. In addition, the fees for withdrawing a line of credit are always high.
If you want to get a credit card with an interest-free period, which will be optimal for withdrawals, choose the Alfa-Bank product 100 days without interest. Grace is valid for more than 3 months on it, and you can withdraw up to 50,000 rubles a month without a commission, and the benefit applies to these operations.
Get a credit card for a period of 100 days without interest
Registration of a personal card with cash withdrawal without interest is possible via the Internet. No need to visit to apply banking institution or standing in long queues. It is enough to fill out a questionnaire on the official website, while the client does not have to provide detailed personal information. When registering, you may need your full name, phone number and a copy of your passport. The whole procedure takes about 5 minutes. You can quickly issue a card through the site if you have a computer or any other gadget with the Internet.
Stages of processing a personal credit card:
- Filling out an application on the official website.
- Receiving the card in hand (via courier or mail).
- Carrying out the activation of the credit card through the phone.
- Crediting the amount of funds specified in the contract.
- Use of the card.
Most users do not know how to cash out if they provide credit service on the map. In such a situation, you can contact the technical service for help. Also, during registration, it is recommended that you familiarize yourself with the reviews of real customers who are already registered and use a credit card. The general term of using the card on preferential terms can be changed at the discretion of the user, taking into account the rules of the institution. The ability to withdraw money is available after activating the credit card.
Online application for a credit card without interest for cash withdrawals
Thanks to filing online applications You can save your own time and money on getting a credit card. It is not necessary to be present at the bank to conclude a contract and receive a loan. Express money services are quite popular in the domestic space. Therefore, if you need to take a cash loan, it is best to contact the bank and issue a card online.
Frequently Asked Questions
What are the most affordable credit cards without interest?
By available we mean credit cards that are issued by loyal banks without certificates. According to them, the probability of approval is the highest. We advise you to consider the following products:
- Alfa-Bank, 100 days without interest. Approves many applications, certificates are not required;
- Tinkoff, Platinum. He issues a decision on an online application in a few minutes, after which he immediately sends a credit card to the client. The bank is as loyal as possible;
- UBRD. Here you can apply for a credit card with one passport. Borrower requirements are extremely low. l / i>
What are the best interest-free credit cards?
If you need a profitable card, analyze the offers of banks that issue cards with certificates. They are always used to establish the most profitable terms and the most significant limits. For example, you can consider the products of Sberbank, VTB, Gazprombank, Promsvyazbank .. All of them issue profitable cards and connect them with a grace period.
What cards without interest can I cash out for free?
First of all, consider for registration a credit card of Alfa-Bank "100 days without interest". You can use it to rent for free up to 50 thousand per month, and this operation has a grace period. You can also consider the offer of Raiffeisenbank, it issues credit cards with 100 days without interest and does not charge a withdrawal fee.
Does Sberbank issue credit cards without interest?
Sberbank connects a grace period to issued credit cards, so you can really use the loan line for free within the grace framework. But the period is short, the maximum is 50 days. Cash-out operations do not fall under it, payments and transfers are not covered either.
What conditions does Alfa-Bank set for issuing a card for 100 days without interest?
Applications for this credit card are accepted from all citizens over the age of 18. It can only be Russians who have permanent registration and monthly income after tax - at least 5,000 rubles.
References are not required, but without them the limit will be lower and the rates will be higher. Alfa-Bank issues up to 50,000 rubles for one passport, up to 200,000 for a passport and a secondary document. Above - only with certificates. The maximum program provides for the issuance of up to 1,000,000 rubles.
According to the payment mechanism, bank cards are divided into credit and debit cards.
Operations on debit card are made only at the expense of funds that are currently on the card account of the card holder. Such cards are used to pay for goods and services, receive cash c. In some cases, it is possible to spend funds in excess of the amount deposited by the client by providing the bank with a loan (overdraft) to the client.
Credit the cards make it possible to use the credit provided by the bank within the limits set by it. The limit is determined by the bank for each cardholder individually, depending on his financial situation and credit history... In the event of an overspending of the credited funds, as well as a delay in repayment, the bank has the right to charge a pre-agreed interest.
Scroll payment systems, within the framework of which the banks of the Republic of Belarus issue (issue into circulation) and / or acquire (accept for payment) bank payment cards:
- Internal system "BelKart"
- International system "MASTERCARD"
- International system "VISA"
- International system "Union Card"
- International system "Diners Club"
- International system "JCB"
- International system "American Express"
- International private system "Golden Crown"
In the Republic of Belarus, bank payment cards are issued by the following banks:
The banks of our republic mainly issue debit cards. This means that the conditions for the acquisition of such cards are the availability or opening of an account for the applicant and crediting money to it. Operations on them are possible only if the account has cash... Banks issue cards that provide access to accounts both in Belarusian rubles and in foreign currency.
With international cards issued in national and foreign currencies, it is possible to receive funds on the territory of the republic both in national currency and in foreign currency. In addition, holders of plastic cards are given the opportunity to receive cash foreign currency and outside the republic, which makes them the most attractive. The money placed on the card account does not need to be declared and confirmed by certificates when traveling abroad.
In Belarus, you can cash out Belarusian rubles, US dollars or euros. The percentage of the commission for the provision of services depends on the bank whose ATM is used. Calculation by bank cards for goods in either shopping centers is carried out without charging a commission.