What is a debit card. Debit cards of "Sberbank of Russia": what does this concept mean, how to use, an overview of the offered by the bank
Often in Everyday life the concepts of a credit card (credit card) and debit are confused and substituted. What is a Sberbank debit card? Its difference from a credit card is that it does not imply the use of borrowed funds.
If money is withdrawn from a credit card or paid on it, borrowing at interest and taking on the obligation to restore the balance, then our hard-earned salaries and pensions are recorded on the debit card. Spending our own finances, we do not have to pay interest and then return the money to the account.
Debit product features
Debit cards for individuals- the most common type of banking product. Their relevance in our life is dictated by the convenience in the calculation. What is a debit card for? We list all the options for its use:
- employers transfer their salaries to their employees;
- pensioners receive pensions;
- it is easy to withdraw cash from them at any ATM;
- you can pay for various goods and services;
- make orders on the Internet;
- from one card to another.
What does a debit card mean? This means that its owner operates only with his own funds deposited earlier, and does not use loans. This, as mentioned earlier, is its main difference from credit. The very same meaning of the word is of accounting origin and means, saying simple language, "You owe."
Some cards have an opportunity called "overdraft". This service is provided with the consent of the client and is a kind of imitation of a loan.
Overdraft gives the right to slightly overspend the debit limit and borrow money from the bank at interest. It works like this: you pay for a product or service, and if there is not enough cash on the card, then the missing amount is automatically taken on credit from the bank. The interest rate and maturity in this case are negotiated when registering the plastic.
Benefits of debit cards
This is, first of all, freedom from cash and the ability to accumulate funds. With her, all calculations are transparent and accurate to the penny. In the process of conducting transactions, the cold settlement of the computer is involved, and all cash flows are reflected in the check.
You no longer have to carry a large amount of cash with you - all your capital is stored on the card. Becoming a client of Sberbank, you also get the opportunity to use the Sberbank-Online system, a mobile bank and the Autopayment system.
At the same time, many banks have funds in the account every year. This helps to increase savings, or at least keep pace with inflation.
Any plastic issued by the bank is serviced by one or another payment system:
- Visa.
- MasterCard.
- American Express.
The payment system determines the possibility of using the means of payment abroad, available promotions and bonuses, as well as other advantages and benefits.
Sberbank cards
Let's consider what types of debit cards Sberbank issues, how much their maintenance costs and what is the peculiarity of each of them.
Classic
The standard package of services provided allows you to carry out various payment transactions. The fee for the first year of servicing the card is 750 rubles, and from the second year it is reduced to 450 rubles. Definitely the best value for money.
Issued to clients who have reached the age of 14. The product can be issued as a payroll product, as well as equipped with the PayPass contactless payment technology. The disadvantages include the lack of a cache back and advanced additional features.
Card with big bonuses
Serving this card is not cheap (4908 rubles per year). However, if the holder spends more than 30,000 a month from it, it pays off completely. If the amount of spending is even higher, then it will even be possible to earn a little extra money. So, in the form of bonuses, from 1.5% (supermarkets) to 10% (gas stations, taxis) of the amount of purchases are returned to you. Moreover, one bonus point is equal to 1 ruble.
Sberbank Gold Card
This plastic also participates in the "Thank you from Sberbank" bonus program, in which bonuses are exchanged for discounts at the bank's partners. Each purchase returns about 0.5% of its value and up to 20% if the purchase was made from the bank's partners.
The annual service is 3,000 rubles. Allows you to cash out cash abroad on preferential terms, and the holder himself gets priority in case of contacting the number hotline... The rest of the services provided to users of the "Gold Card", except for the premium status, are similar to the service of a classic product.
Individual design
The appearance of the card - the image on the front side - the user chooses personally from several hundred proposed options (and also has the ability to upload his own). The cost of the service is 500 rubles.
Available in two types: Visa Classic and MasterCard Standard. You can issue additional cards, as well as get plastic with a bright design for children aged 7 years and older. Otherwise, the service package provided duplicates the classic debit card.
Special offers from Sberbank
In many cases settlement means use is not only convenient, but also profitable. So, today Sberbank, together with other large companies, has developed a number of co-branded products that can boast significant advantages.
Aeroflot
How more expenses on the map, the more miles you will accumulate for flights. Miles are a kind of bonuses that are added up with every purchase. They can be spent on air travel with Aeroflot or SkyTeam. Also, bonuses can be spent on partner services.
The bank issues three types of such cards: Signature, Gold, Classic. Upon registration, 500-1000 miles are immediately credited. One dollar, or the equivalent amount in rubles, equates to 1.5-2 miles, depending on the type of banking product. Maintenance cost starts from 900 rubles per year.
"Gift a life"
Each purchase with the Gift of Life card is helping children in the fight against cancer. Sberbank, together with the charitable foundation of the same name by Dina Korzun and Chulpan Khamatova, produces three varieties of them: Platinum, Gold and Classic. The difference lies in the cost of service (1,000-4,000 rubles).
Donations are listed in charitable foundation in the amount of 50% from the service charge in the first year and from 0.3% from the amount of each purchase. The described conditions apply to all cards of this line. In addition, the Platinum version is equipped with the PayWave contactless payment option, but the cost in this case reaches 15,000 rubles.
Youth
The design is available for people from 14 to 25 years old. Attracts the annual service of the card, which will cost the holder only 450 rubles. At the same time, the product has a full-fledged package of services and bonuses.
Operations can be performed from a mobile phone, and all movements of funds can be monitored using mobile application... Check balances, transfer and receive money, pay for certain types of services, open deposits - all this and much more can be done directly from your phone or from a computer through Sberbank Online.
Free debit cards
TO free maps primarily include instant issuance products and cards for retirees.
Sberbank Maestro "Social"
The Maestro Social card is perhaps one of the most popular products of Sberbank. The function of accumulating funds on the card is available to all citizens eligible for the following payments:
- calculation of pensions;
- benefits;
- other social subsidies.
You can issue such a card from the age of fourteen, that is, from the moment you receive a citizen's passport Russian Federation... The main advantages are listed below:
- Plastic registration is free.
- No service fees.
- Re-issue is free of charge. Except for situations related to the loss of plastic or the change of the holder's surname.
- The presence of an electronic chip provides additional safety of use.
- The ability to carry out non-cash payments anywhere in the world without commissions.
- You can pay for purchases online.
- Commission-free cash withdrawal at ATMs PJSC Sberbank(subject to the daily limit).
However, in addition to the advantages, the card also has serious disadvantages, which makes the product not quite suitable for use in certain conditions. Since the card belongs to the budget segment, there are a number of restrictions on its use by the holder:
- You can cash out only in the Russian Federation.
- This type does not support payroll capability.
- The card number has eighteen characters, and therefore some difficulties may arise when paying for goods online.
In general, the Maestro "Social" card can become an excellent analogue savings book with accruals on the deposit in the amount of 3.5% per annum. For comparison, no more than 1% is usually charged on the balance on the savings book. Such charges can fully cover the cost of using additional services such as SMS-informing.
You can apply for a Sberbank debit card "" only directly at a branch of Sberbank of Russia.
Virtual card
This option is in demand among those who often shop on the Internet. The card can be easily attached to electronic wallets to replenish them. At the same time, only an account exists in the Sberbank Online system, but the plastic itself cannot be held in your hands, since, in fact, it is not produced.
Instant cards
In the case when the card is needed immediately, the simplest and most economical option can be the registration of Momentum plastic. This type of banking product is issued locally, upon the very first call, and is available to customers from 14 years of age. The Momentum card has the following features and benefits:
- Free annual service;
- Registration in any of the three types of major currencies (rubles, dollars, euros);
- Possibility to choose one of two options of payment systems - Visa or (MasterCard).
- Participation in the "Thank you" bonus program from Sberbank.
However, in addition to the advantages, Momentum also has some limitations:
- Plastic is not personalized. The name and surname of the holder is not indicated on the front side. This can lead to refusal to accept the card at retail outlets or when paying over the Internet.
- This product cannot be used abroad.
- The card number contains 18 digits, which, in some cases, makes online payments impossible.
- It cannot be used as a payroll.
- It is impossible to issue additional plastic linked to this card.
- Cash withdrawals outside the home region are subject to a commission. What kind of commission will be withheld will depend on the region in which the funds are withdrawn and the bank that issues the money.
Among the debit cards of Sberbank of Russia, Momentum is the most budget option, but with very poor functionality. This type does not have most of the capabilities of other products.
If the plastic is needed urgently, you need to instantly get access to Sberbank-Online or you don't want to overpay for the annual service, then you should take a closer look at this option.
Let's consider this option in more detail.
Instant issue cards "Classic" Visa and Mastercard
Instant issue cards "Momentum" Visa and MasterCard
These cards began to be issued instead of those mentioned in the previous section of the article. However, they carry an important difference from the previous generation: the ability to cash out at any ATM anywhere in the world, and not only at Sberbank ATMs in the Russian Federation. Consequently, such products are completely international.
This is very convenient, since the holder now has the opportunity to instantly receive a full-fledged card with all functions and with free service. The product is relatively new, and it is not yet known for sure whether it will take root in banking system or will be replaced by another. It is possible that in the future a decision will be made to make any adjustments to its tariff scale.
Separately, it is worth noting that each of the types of cards that were mentioned above supports the function of crediting the following types of currencies: rubles, euros, dollars. Details on the maximum allowable cash withdrawal limit, commission for withdrawing funds and other important information about the product can be viewed and.
What should you pay attention to?
A debit card is a banking product that is used for many transactions. Sberbank is the manufacturer of such cards and offers its customers more than a dozen varieties. To get it, you must either come to the branch or send an application online. Unlike the credit counterpart, here you can use only a certain set of services - receive money from an ATM, replenish a payment account, make purchases in stores and online stores. When opening such an account, you need to meet significantly fewer conditions than when applying for a credit one: just have a passport of a Russian citizen with a residence permit. Many debit cards have special bonuses for specific stores and purchases in the country - for example, for airline tickets. At the same time, the maximum limit for the operation is still set, and you need to pay for service from 0 to 15 thousand rubles per year.
Debit and credit card in simple words
Many people know what a credit product is, but do not know what a debit card is. The main difference is that funds can only be used within the available balance, while the credit alternative additionally sets a limit on top. At the same time, if in the first case it is possible to pay practically nothing for the service, then in the second for the use bank funds it is necessary not only to return them, but also to pay interest. If the main purpose of debit products is to replace cash, then the credit card is intended primarily for lending to customers.
What is a Sberbank debit card and how to use it
A debit card is a financial product that can be used to pay for purchases, as well as with which you can cash out. To get it, you need to contact Sberbank and you will be given a banking product on the same day. The main function of a debit product is consumer. Sberbank has several different types of cards of this type: Momentum for instant issuance, Aeroflot - primarily intended for purchasing air tickets, there are also some cards that can be made with an individual design.
Sberbank gold debit card what is it - reviews about the card
Gold plastic expands the possibilities for the customers who ordered it. It allows you to keep on the account not only rubles, but also euros or dollars. Cash is withdrawn from all ATMs on the same terms. If you have such a banking product, you automatically connect to the "Thank you" program. You can also use Mobile Banking, Internet Banking and Auto Payment. For service, Sberbank takes 3000 rubles from clients.
What is a debit card of Alfa Bank
Almost every person, a citizen of Russia, will be able to receive a debit card from Alfa Bank. There are even more payment cards in this bank than in Sberbank - more than thirty. Each card has its own characteristics. For example, there is a special program - "Children's". Parents can link it to their account to set limits and control expenses on their own. There is special cards for those who often ride on Russian Railways trains: for each ticket purchase, you will receive a certain amount of bonuses (depending on the type chosen). At the same time, the cost of service for this banking product is from 500 to 2000 rubles.
What is debit and credit in accounting
In accounting, the concept of debit and credit is actively used. Debit is considered to be the left side in the accounts. For example, for active accounts, an increase in debit is a sign of an increase in property, and for passive accounts, a decrease own funds companies. With a loan, the opposite is true: an increase in active accounts is a decrease in property, and an increase in passive accounts is an increase in sources. Debit and credit are the obligatory parts in accounting transactions. Where there is credit, the source of finance is attributed, and where there is debit - the one who receives this money.
Every adult has never heard not only about credit cards glasses from Sberbank or other banks, but also about debit cards. Many people think that credit and debit cards are the same thing. However, it is not. If a credit card refers to a type of service through which a bank lends a client a certain amount of money at interest, then a debit card serves only to use personal funds. Money is credited to a debit card in different ways: salary, pension, or through e-wallets. However, this money on a debit card after it is spent, does not need to be returned to the bank.
Debit cards, like credit cards, are just as popular types of services that make life easier for a person. What is a debit product for? Its purpose is to perform the following functions:
- Transfer to the payroll account.
- Pension calculation for pensioners.
- Cash withdrawal at any ATM.
- Payment for goods and services by bank transfer.
- Online shopping.
- Transfer money to other cards, including a credit card.
In simple terms, a debit card is a plastic wallet in which money is stored in any amount. There is no need to pay interest or return money to the card within the specified time frame, since the debit is the client's personal funds. If you translate the word debit, it means "you owe." Credit is when you owe, and debit is the other way around. People don't understand the difference between these two cards, so let's take a look at the benefits of a debit product.
What does a debit card from Sberbank mean and its advantages
Despite the fact that a debit card provides for the accumulation of only personal funds, it still has a number of advantages. What a debit card means is already known, so we will consider the advantages of this Sberbank service.
The main advantage is that the debit holder does not need to carry a purse or bag where money is kept. All funds will now be on the card, and the amount of these funds does not matter. All money will be kept in a bank account, which means that the user can cash out a certain amount of funds at any time, if necessary. By receiving a debit card, the owner automatically becomes a client of Sberbank, receiving services such as Sberbank Online, mobile banking and the Autopayment system.
An advantage that benefits is the accrual of interest on the balance of the account. Such interest is calculated once a year. The more money is stored on the card, the more interest the client receives from the bank at the end of the year. People tend to spend money when they have it, but when they have a debit card in their pocket instead of cash, the likelihood of wasting money will be minimized. This is due to the fact that in order to waste money, you must first find an ATM from which to withdraw cash.
Debit cards from Sberbank are issued by the following payment systems:
- Visa;
- MasterCard;
- Maestro;
- American Express.
A debit card is used not only in Russia, but also abroad, since when paying for goods or services, as well as when withdrawing cash, an automatic conversion will be performed.
Disadvantages of debit cards
Like any product, debit cards have some disadvantages along with their advantages. These disadvantages include the following factors:
- Not all retail outlets have terminals, therefore, to make purchases there, you will first need to find an ATM in order to withdraw cash.
- Availability of paid service. As with credit cards, some debit products have a paid service.
- The presence of a commission for withdrawing money from ATMs of third-party banks. It should be noted that the commission is not charged only in the bank itself, as well as in partner banks. Sberbank belongs to monopoly organizations, so its ATM network is installed throughout the country, including small settlements.
- Withdrawal restrictions. When concluding a contract, attention is usually paid to the point about how much money can be withdrawn per day. If you need to withdraw an amount more than indicated in the contract, then this can be done gradually every day.
- The card's susceptibility to hacker attacks. Just like cash, card money can be stolen by hackers or online fraudsters.
However, each client learns about all these shortcomings even when signing the contract. If any item does not suit the user, he has the right to refuse the debit.
It is interesting! Sberbank strives to gather a huge customer network, which is why most debit cards have free service, as well as decent interest rates for the remainder.
This is what prompts people to transfer to Sberbank to receive salaries and pensions, as well as simply to keep money with the possibility of instant withdrawal at any moment.
Types and characteristics of debit cards from Sberbank
Before choosing a debit card from Sberbank, you need to study all the offers. Many cards have the ability to open an account not only in rubles, but also in dollars and euros. If the currency on the account is not needed, then you can stop at such proposals as "Give life" and "Peace". Consider the features of payment cards from Sberbank.
Instant debit card
The advantage of such offers is that there is no service charge. But this is also the advantage Momentum cards do not end. To get plastic, you need to contact the Sberbank branch, and within 10-15 minutes you will have it. Clients who are 14 years old can receive such a card, but only if they have a residence permit.
The duration of the action of the plastic is 3 years, after which you can get a new one. The owners of such cards are awarded bonuses if they pay for goods and services by bank transfer. This bonus program is called "Thank you".
Classic offers
Classic debit cards are popular because they perfectly combine two advantages: cost and quality. The main advantages of such offers include:
- The duration of the cards is 3 years, as well as 5 years for payment system PEACE.
- The cost of service for the first year is 750 rubles, and then the rate is reduced to 450 rubles per year.
- When making non-cash transfers, the limit is 500 thousand rubles per 24 hours, and when withdrawing cash - 300 thousand rubles.
This offer has one more significant advantage - it is carrying out non-cash payments by touching the terminal. The plastic does not need to be handed over to the cashier for the calculation, which increases the level of security.
"Golden" offers
The possession of a gold card by the owner demonstrates his high status. It would seem, what other benefits can be provided for debit card holders? However, these advantages are available, and they lie in the provision of an extended package of services.
Service cost Gold cards is 3000 rubles per year. The plastic has a nice design that resembles a gold plating. To pay in a non-cash way, it is enough to touch the terminal with plastic. If a citizen of the Russian Federation is outside of Russia, and in case of loss of a debit card, an opportunity to receive funds is provided urgently.
When paying with this card, bonuses are accrued in the following amount:
- When paying in the field of cafes and restaurants - 5%.
- When paying at points retail – 1%.
- When making payments to partners of Sberbank, it is up to 20%.
- Various types of purchases - 0.5%.
A card called "Give life"
A card with such a name as "Give Life" suggests helping sick children. Help is provided automatically by Sberbank when a customer makes purchases. The bank transfers to the donation half of the amount that the client spends for payment during the first 12 months. According to the tariffs, 1000 rubles are charged from the client for the first year of service, and all subsequent ones are 450 rubles.
It is interesting! Availability bonus program"Thank you" allows you to expect to receive an increased bonus if in the current month the cashless payment is more than 15 thousand rubles.
Pension cards
Sberbank also has a lucrative offer for retirees. If a pensioner wants to become a client of Sberbank, then you need to personally contact the nearest branch, and then write an application. To receive a pension card, you will need to provide a SNILS certificate.
To the benefits pension cards relate:
- Comfortable receipt of a pension without delays, queues and regardless of the working hours of the post office.
- An income of 3.5% per annum is accrued on the balance of funds.
- Availability of the service " Mobile bank". The first three months the service is free, and subsequently it will be charged at 30 rubles per month.
Youth card
This offer is designed for young people between the ages of 14 and 35. The advantage of this card is the presence of a bonus program. Bonuses are awarded depending on the size of the purchase in the amount of 10%. The accumulated bonuses can be used in the form of a check discount, but its size should not exceed 99%. Youth offers have service, the cost of which is one of the cheapest and amounts to 150 rubles per year.
Premier Card
This offer is especially for wealthy people. Black elite plastic is produced on the basis of the Sberbank Premier project. Free service is provided if the account has more than 1.5 million rubles. If the amount on the account is less, then the service per month is 2500 rubles.
The cost of servicing such plastic per year costs 30,000 rubles. Not everyone wants to have such a solid plastic. You can deposit rubles, as well as dollars and euros into the account. The plastic is valid for three years. For this amount of service, clients receive the following benefits:
- Bonus programs.
- Mobile bank.
- Emergency cash withdrawal if the card is lost abroad.
- Insurance of goods purchased with a card.
- Support abroad.
- Personal manager.
- Dedicated service line.
This is a really profitable offer that not every businessman can afford.
Salary card
Agreements are concluded between the bank and various organizations, on the basis of which salaries will be accrued to employees on debit salary cards from Sberbank. At the same time, the bank guarantees the provision of the most profitable terms... The main advantage of salary offers is that there is no service charge.
In addition, Sberbank clients with salary offers receive the following benefits:
- Favorable lending conditions.
- Possibility of cash withdrawal anywhere.
- Convenient management of funds via the Internet or a mobile phone.
The above are the main debit offers from Sberbank. However, these are far from all the proposals that are available in this bank. Details of the main offers can be found on the official website, in addition, the conditions may change from time to time.
Features of the correct use of debit plastic
There are no problems in using a debit card, as even a child can handle this procedure. If you have any questions regarding the service, you can call the Sberbank hotline or contact Sberbank Online. The use of the card provides for the following actions:
- Cash out at an ATM. This can be done by inserting plastic into the ATM, as well as entering a personal PIN code. In addition to withdrawing cash, you can pay for mobile communications through an ATM, find out the balance of funds, etc.
- Pay with plastic for various goods and services in stores and outlets where cash registers are equipped with POS terminals. Depending on the type of card, payment is carried out by entering the PIN code on the device or by signing on the check.
- Pay for goods on the Internet. To do this, you must specify the card details, as well as the CVC code, which is indicated on back side plastic.
- Pay for goods and services, including utilities.
- By using online cabinet you can transfer money to other accounts, as well as perform many other operations with the card.
If you have any questions, you can always visit the Sberbank branch, where experienced managers will always be ready to help and resolve any problem.
Closing the card
Despite the fact that the debit card account contains personal funds (and not bank funds), if it is unnecessary, it is necessary to go through the account closure procedure. This condition is mandatory, for which the client must necessarily contact the department. If the client does not close the card, and also stops using it, then, as a result, a round amount for service is charged over several years. This amount must be repaid in order to be able to close the account.
Sberbank is not only the first bank in Russia, but also the most popular. This bank has a large network of branches, as well as ATMs and terminals throughout Russia, which makes it possible to provide maximum comfort in servicing its customers. Every client in individually decides what type of plastic to use, as well as whether this service is needed for him.
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What is a debit card and how to use it: registration, service, cashback
A debit card is a bank card with which you can spend and save money. The main difference between a debit card and a credit card is that with a debit card you use your own money, and with a credit card you use the bank's money. A debit card can be issued at any bank that works with individuals.
Like most other bank cards, the debit card is protected by a magnetic stripe or chip. The front side of the card contains its 16-digit number, expiration date, name and surname of the owner. On the back there is a place for the owner's signature and the security code is indicated. The money on the card is protected by the deposit insurance system.
It is beneficial to pay with a debit card by bank transfer. You will receive cashback for payment by card, and interest for keeping money in your account.
How do I get a debit card?
Debit cards of different banks differ in service cost, interest on the balance, cashback and additional services... Before you issue a debit card, think about how you will use it, how much you are willing to pay for the tariff.
If you fly frequently, a card with miles for purchasing air tickets will do. If you buy on Aliexpress, there are cards that will give you bonuses for this. If you like to save money, choose a card with high percentage to the account balance.
It is convenient to compare cards of different banks on the aggregators Banki.ru and Sravn.ru.
Examples of debit cards
Tinkoff Black at Tinkoff Bank
Service cost
RUB 99 per month
up to 30% in rubles
Interest on the balance
"Profitable card" in Alfa-Bank
Service cost
89 R per month
2% in rubles
Interest on the balance
"All at once" at Raiffeisenbank
Service cost
1490 R per year from the second year
1 bonus for every 100 rubles spent
Interest on the balance
"Mastercard standard" in the Russian standard
Service cost
RUB 99 per month
up to 5% bonuses
Interest on the balance
"Visa Classic" in Sberbank
Service cost
750 RUB per year
up to 20% bonuses
Interest on the balance
It is most convenient to issue a card online on the bank's website. Fill out the application and wait for a call from the bank. When the card is ready, a courier will bring it. You can order a debit card from Tinkoff Bank on the website.
If the card cannot be ordered online, take your passport with you and go to the bank branch. There, fill out the application, and the employee will advise about its readiness.
The most common debit cards are supported by two payment systems: Visa and Mastercard. Also, Russia has its own payment system "Mir".
How much does the card service cost?
The cost of servicing debit cards depends on the tariff and payment system.
If you need a debit card to take a salary and pay utility bills a couple of times a month, then Visa Electron and Mastercard Maestro will do. These cards are most often opened free of charge, and the service costs no more than 500 rubles per year. Most likely, your salary card is just that.
A salary card is a debit card that an organization pays your salary to. The organization negotiates the service and releases them together with the bank. In some banks salary cards there is an overdraft - credit limit the size of one or two salaries.
If you want to receive interest on the account balance and cashback for each purchase, then open "Visa Classic" and "Mastercard Standard" with the corresponding bank services. Service costs an average of 700-2000 rubles per year. With such cards, you can pay for purchases on the Internet, fly on vacation to Europe, receive increased cashback from the bank's partners. This is the standard card level.
The cashback amount or interest on the balance often covers the service charge. For example, every month you write off 290 rubles for service, and charge 310 rubles for the account balance and 270 rubles for cashback. Check the conditions on your card or consult a bank employee. At Tinkoff Bank, debit card service will be free if you use a deposit at the same time.
If you often fly abroad, transfer a lot of money through the card and you need access to additional opportunities bank even at night, then Gold and Platinum will suit you. Annual service costs from 3000 rubles. Interest on the account balance, additional bonuses for flights and hotel reservations are available on the cards.
How does cashback for debit cards work?
If the bank charges cashback in rubles, then this money can be spent anywhere: for servicing a card, for coffee with a friend, or set aside for a large purchase. If the cashback is returned in bonuses, then you can spend it on those goods and services that the bank determines.
For all purchases, banks return 0.5-3 percent of the cashback to the card account. For certain categories of spending, cashback can be increased - up to 30 percent. Such advanced categories The bank makes cashback together with partner stores.
At Tinkoff Bank, cashback is 1 percent for all purchases with the card, 5 percent for the higher cashback categories and up to 30 percent for offers from partner stores.
In what currency to open a debit card?
Debit cards are available not only in rubles, but also in currencies: dollars and euros. Opening a currency card at Tinkoff Bank is no more difficult than opening a ruble card. Before choosing, think about how you will use it.
If you are planning a trip to Europe, then the card with the euro will come in handy. Top up it in Russia before your trip so that you can spend euros in Europe without losing rubles on conversions. If you are going to the States, save up immediately in dollars.
You can simply save currency on a debit card to use it from time to time. It is convenient if the currency card was opened at the same bank as the ruble one. Transfer rubles to the card, they will be converted at the rate of your bank.
Just like a ruble card, choose a currency card and order it on the banks' websites. On the aggregators "Banki.ru" and "Compare.ru" you can compare cards and conditions of different banks and choose the most profitable one.
How do I pay with a debit card in stores and online?
In stores, you pay with a debit card at the terminal at the checkout.
Tell the cashier that you have a non-cash payment so that he prepares the terminal for payment. In old terminals, you need to insert a card or pass it through a magnetic tape reader, dial a pin code and confirm the payment.
If the terminal and the card support contactless payment, then pay for purchases by attaching the card to the terminal. If you have Tinkoff Bank's Mastercard and the latest iPhone or Samsung Galaxy models, then you can pay using Apple Pay and Samsung Pay from your phone.
How to protect your card from fraudsters?
There are three ways to protect money on a debit card: use ATMs in bank branches, keep the card out of the hands of strangers, and open an additional card.
A dangerous ATM can be found in a noisy shopping center or in a remote area of the city. It is difficult to identify this, but it is possible. Touch the panels of the ATM, examine the keyboard, the overlay on the card reader. Fake panels are screwed hastily and crookedly. If you do not like something at the ATM, it is better to withdraw money at the bank branch. If you use a dangerous ATM, then after a while you can withdraw money from your account with a fake card.
Do not give the card to strangers. They can take a picture of it, rewrite the number, expiration date and security code. For purchases in some online stores, it is enough to know the card number and expiration date. If you receive an SMS code on your phone with confirmation of a purchase that you did not make, then the fraudsters have your data.
To secure your account and card from fraudsters, order an additional card from the bank. On both cards, you can set limits on spending per month, go to cafes and shops with an additional one, and keep the main one at home for large purchases.
Sometimes in everyday life we use objects, the correct name of which we do not always know exactly. For example, many bank customers do not know what a debit card is, although they can use it almost every day. Therefore, it is worth recalling that debit card is a bank card that can be used to pay for goods or services or receive cash from an ATM, but this card is tied to bank account which stores your own and not borrowed funds... And for this reason, the limit of her capabilities is equal to the sum funds deposited by you to your current account (or several current accounts if you have several open ones).
What is a debit card for?
Debit payment cards are very useful in a person's daily life:
- The first thing for which, in fact, you need a debit card to an ordinary person- to simplify the calculations when making purchases. Let's say you come to the store, pick up the necessary goods, and at the checkout you pay not in cash, but with a card (in our case, this is a debit card, although a "credit card" is also suitable for this role). As a result, there are some advantages - you don't have to collect change, put bills in your wallet, count them, etc. Although, in this case, it is worth making a reservation - in Russia calculations bank cards accept primarily large retail chains, and if you look, for example, in a minimarket, then it may be problematic for you to pay for purchases with a card, since such a payment system will not be provided there.
- Payment for purchases via the Internet - as a rule, the procedure for paying with a bank card is painted on the website of the receiving party itself. However, it is worth noting that by leaving data about the card and its owner, you expose yourself to additional risks from hackers who can get confidential information... Safer methods are payment through payment systems (accounts in which you can replenish from the same cards), or secure payment gateways, for example, when using the PayPal payment system.
- It is convenient to store money on a debit card. For example, you will not need to worry if you need to take a large amount of money on the road - they will be quite safe on the card. This is due to the rather high degree of security of storing funds on plastic bank cards. Firstly, due to the fact that for carrying out any operations on the card (withdrawal, replenishment of the account, transfers, etc.) it is necessary to know the PIN-code, and, secondly, due to the fact that the lost (or stolen) the card can be easily blocked by calling the bank by calling the hotline or another number (provided for calls in such cases).
- Withdrawing funds from a bank account is a very common operation performed by Russian clients banks. This is largely due to the underdevelopment of non-cash money turnover on the territory of the country, especially in small cities. You have to cash out, for example, wages transferred to the card.
- As a rule, classic debit cards do not imply opportunities at the expense of the bank, unlike credit cards or debit cards with the possibility of overdraft (we will talk more about the latter type of lending in a separate article).
Origin story
The first payment cards appeared in the United States in the 1950s (the period of the "trade boom"). As the cashless payment system improved, the cards were significantly modernized: the material from which they were made changed (initially, it was cardboard), a magnetic stripe appeared on the back (early 1970s), since the 1990s, chips have been integrated.
Interestingly, in Western countries, the process of development and spread of non-cash payments proceeded from the use of credit cards to debit cards, while in Russia it is the other way around - the exact opposite way.
Application history in Russia
According to some sources, until the mid-2000s in Russia, 99% of all payment cards issued by banks were debit cards. This was due to both the specifics of the use of debit cards in entrepreneurial activity and a high degree of distrust of Russian citizens to banking services while. At the same time, some banks established certain requirements for the client, for example, the need to pay a cash collateral. These requirements were relevant due to incidents of unauthorized overdraft and other types of fraud on the part of clients. Naturally, as the volume of lending by Russian citizens increases and the system develops bank lending in general, the share of debit cards in the total mass of bank payment cards began to decline.
Map usage statistics in European countries
Of course, in Europe, debit plastic cards are used as a means of payment much more often than in Russia. Also, in European countries, this type of card is used in calculations more often than credit cards... According to statistics for 2003, there was almost 1 card per citizen of a European country (to be more precise, 938 cards per 1000 inhabitants).
Service
To understand what is a debit card in terms of its cost, it is worth contacting tariff plans the banks themselves. As a rule, in comparison with "credit cards", debit cards are relatively inexpensive for their owner. In Russia, the annual bank commissions for the maintenance and servicing of cards may not be charged at all, or be of the order of several hundred rubles per year. The type of card plays a significant role in the cost of the annual service. Visa Electron, for example, is cheaper to service than Visa Gold.
It should be borne in mind that sometimes a small commission may be charged for the production of a card. It is worth noting that the process of making a plastic card takes relatively little time, and it takes several days from the moment of submission of the application from the client to the presentation of the card to its new owner (approximately from one to 10).
World payment systems
For the most part, Russia provides for the issue of bank cards that can be used to pay for purchases or services in any country in the world. We include Visa and MasterCard among the most popular global payment systems (with such varieties of the first as Visa Electron, Visa Classic (the most common in Russia), Visa Gold Visa Platinum(giving certain advantages to its owner and more expensive to maintain) and various varieties of the second: Maestro, Cirrus, Mastercard Mass, Mastercard Gold and MasterCard Platinum). However, it should be noted that the most common types such as Visa Electron, Maestro or Cirrus do not provide the ability to pay for purchases via the Internet, unlike their more "status" counterparts, such as Visa Classic or Mastercard Standart. It should be noted that the above payment systems control 80% Russian market bank cards.
You can find out which of your cards will work abroad on the official websites of banks or when communicating with bank employees in the office. For example, on the official website of Sberbank it is indicated that abroad it will be possible to cash out funds from most types of cards, with the exception of such types of cards as Sberbank - Maestro "Social", Sberbank - Maestro "Momentum" or Sberbank - Maestro "Student".
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But in the end, in order to fully appreciate, what is a debit card, in my opinion, it is necessary to experience all the benefits of its use. Fortunately, today all banks that are part of: Sberbank, VTB24, Tinkoff Credit Systems, Guta Bank, etc. provide services for their production. By the way, some banks provide services for calculating interest on the monthly account balance by analogy with. The amount of accrued interest, of course, is not great, but still, this is some kind of bonus for those who prefer to keep money in a bank account.