To determine which debit card is currently the best in the banking market, you need to know the main features.
Highlight the most important points for yourself: the cost of the card, convenient receipt, technical capabilities, availability of cashback and interest on the balance, ease of maintenance.
The most popular card for those who are looking for not just a payment card, but the best debit card- . To Tinkoff Bank You can have a different attitude, as well as to the person-brand Oleg Tinkov, but the fact that Tinkoff products are cool is a fact. Tinkoff sets quality and innovation, the rest of the banks have to follow and grow.
One often hears the main complaint against the bank: they do not have an office, how can they be trusted! Yes, it’s good in other banks: remember how many hours you lose waiting for a specialist in the branch, and then how much time he draws up a bunch of papers, prints them tediously and dumps them out for you to sign.
Do you know how communication with the Tinkoff Bank courier takes place, who brings you a card and finished documents for signature? A few minutes (show your passport, sign documents, take pictures with a card) and you are free, with a card in your hands. How can you not appreciate this, it is not clear.
Do you know how long it takes to call Tinkoff Bank? A few beeps and a live person is in touch with you, checked many times, not a robot, music, promotional offers, instructions: click here, say it. In which other bank can you talk to a specialist a few seconds after the call?
Another claim to the bank: the lack of own ATMs is no longer relevant. The bank has acquired a network of ATMs since 2017, of course, these are smart ATMs. In which you can use a smartphone instead of a card or a QR code that generates the bank's mobile application. The QR code can be sent to loved ones so that they can withdraw money from an ATM or replenish the card account, the card itself is not needed.
So, what is the secret behind the popularity of the Tinkoff Black debit card?
It replaced the popular Cosmos map and quickly gained popularity. Polza card was launched in April 2018 — it is one of the best debit cards on the market. Russian market. The bank decided to develop courier delivery of the card - and this is another significant advantage of the card.
What is the use of this card?
is another popular debit card with a telling name. What is the cashback of the Alfa-Bank card?
- the card is intended for those who spend a lot of cashless payments. The card is most beneficial for the first three months
How to answer the question: which debit card is better? The best card is the one that fits the parameters you set yourself. In any case, paying with a debit card that does not have any additional functions is not interesting. Even if this card is free to maintain.
It is better to pay for the service and receive benefits in the form of cashback and interest on the balance. And the commission will be compensated by the income received.
Financial institutions offer their customers many useful options for income cards: free service, cashback, accrual of interest on the balance, discounts from partners, as well as loyalty programs. Check out the list of the best debit cards to which you can transfer your salary, pension and social benefits. Explore the following options:
Detailed terms of service allow you to get a debit card to store your own savings with the maximum benefit (receiving passive income).
To issue income card, you must first compare the main functionality, bonuses and additional costs. These include:
Try to choose a debit card with the maximum cashback for purchases in your favorite categories. Also consider options for replenishment from cards of other banks: with or without a commission. After analyzing the main criteria, you can proceed to the online application.
You can apply for a debit card online on the official website of the bank. You need to fill out a questionnaire, enter your personal and contact information, wait for the operator's call. You can pick up the card at the office yourself or order courier delivery to your home.
Many big banks they try to cancel the annual service, while compensating for profits by increasing interest on other tariff options. For example, there are debit cards with free service only for the first 12 months, from the second year the standard contract fee is charged. Please note that the amount of the commission may depend on the fulfillment of certain requirements: the presence of a deposit or a loan issued to a card account.
Plastic cards have firmly entered our lives and continue to expand their scope of application. Tens of millions of people in Russia use them in Everyday life: pay for goods and services at trade and service points, carry out Money transfers withdrawing cash. On the market banking services There are thousands of card products with a variety of possibilities. However, with such a wealth of choice, plastic cards are clearly divided by belonging to a particular class.
Good advice
Cashback is a long and effectively working "bait", with the help of which payment systems and issuing banks attract customers. The MIR cards, which are issued Russian banks. Moreover, for some "MIR" products you can get a double bonus - from the bank and from the payment system.
topical
The Unified System for Biometric Identification and Authentication (ESIA) of customers has been operating in Russia since July 1. According to representatives of the Bank of Russia, by the end of 2018, 20% of bank branches will connect to it, and the process will be completed next year. Let's talk about what this means for our clients.
For legal entities
In Russia, a new type of entrepreneurship has appeared - social. it separate category small and medium business. How to get into it and what benefits are given to social enterprises, read in the article.
Good advice
Financial results
A year ago, OTP Bank introduced branded debit card products "Everything is Possible" and "Your Choice". Over time financial structure issued about 40 thousand plastic cards. On the card accounts the bank's clients placed more than 1.5 billion rubles. The yield of debit "plastic" OTP Bank reaches 7% per annum.
08 Nov 2019Actual
Terms of service for debit OTP cards Banks have become more profitable. The maximum amount of cashback on the “Everything is Possible” card has increased to 5 thousand rubles per month. The profitability of "plastic" is currently 7% per annum. To receive a bet on a card account, you need to place from 1.5 to 3 million rubles. The amount of cashback on the card “Your Choice.
13 Aug 2019New Product
A new card product has appeared in the assets of Vostochny Bank. The maximum profitability of the debit "Card No. 1 Ultra" is 7.5% per annum, cashback on "plastic" - up to 7%. "All Inclusive".Increased interest on the balance of funds placed
12 Aug 2019Changing rates
Tariffs for debit plastic cards of Loko-Bank “Simple Income” and “Maximum Income” have been updated. To obtain the most comfortable rates of return, you must constantly keep at least 60 thousand rubles on card accounts and make monthly purchases for “plastic” for the same amount. In this case, the profitability of the card "Simple
03 Apr 2019New Product
New plastic cards have appeared in the assets of OTP Bank. Almost instantly you can get " instant card". The card product is as simple as possible and is issued in one visit to the financial structure. Bank card “Your Choice. Shopping" is suitable for everyday spending. Cashback on "plastic" is up to 10%. Bonus opens
27 Sep 2018New Product
"Children's card" - this is the name of the new card product of Russian Standard Bank. Debit plastic can be issued for children over 6 years old. The card is linked to bank account one of the parents who has the right to set a limit for cash withdrawals and spending for his child. The bank provides an SMS notification service
May 23, 2018New Product
Vostochny Bank offers to issue a debit card with unique characteristics. "Card No. 1" is an income of 7.5% per annum accrued on the card account balance, in the absence of a minimum balance limit. The only condition for receiving income: a monthly non-cash turnover on the card of at least 5 thousand rubles. Cashback
May 16, 2018New Product
On the first day of the new academic year, Raiffeisenbank started issuing debit cards specially designed for the younger generation. The card is equipped with technology for making contactless payments. Children from 6 to 17 years old will be able to receive Raiffeisenbank's debit "plastic" as additional card linked to banking
06 Sep 2017Hello, friends!
Do you still think that only employers need a debit card to transfer your wages there? Then you first need to read my article about. If you are already savvy about its optimal use, then it's time to answer the question of which debit card to choose.
This is the next question after: “Do I need it?” The answer must be based on deep analysis. This is what we will do now. We will study the issues of choosing a bank, its proposals, and identify hidden nuances that should be paid close attention to.
As a result, we will develop an algorithm by which you can easily select the most profitable card, tailored to your needs, at the best price (or free).
So, we set a search query to the ubiquitous Internet: “Which bank card is better to issue?” We get a ton of useful (and not so) information about all the offers that are relevant today. And what to do with all this usefulness? Let's define the selection criteria, first of all, the bank:
On the official site Central Bank The Russian Federation publishes data on the activities of our financial and credit institutions. The key indicators are assets, loans and deposits. For example, according to the results of 2017, the first places in the TOP-10 were taken by Sberbank, VTB and Gazprombank. Closed the top ten Promsvyazbank.
It will not be superfluous to look at the change in assets. For example, over the year, they decreased by almost 27% for Otkritie FC Bank, and by 6% for VTB.
Experts advise paying attention not only to the top ten, but also to the banks that are located lower in the rating. Why? 'Cause it's not worth the wait advantageous offers by debit cards from institutions that do not particularly need to attract customers - individuals. They are doing well as it is. In this case, we pay for their name and low risk. But, to each his own...
An obligatory step in choosing a bank is its participation in the state deposit insurance program. This information can be obtained from the website of the deposit insurance agency. If the license is revoked from the bank that issued your debit card, you will 100% get your money back (within 1.4 million rubles).
In 2017, licenses were revoked from 51 banks, and by March 15, 2018, another 10 institutions lost the right to engage in banking. Moreover, most of the banks were members of the DIS.
If we have already decided on the banks from which we will study offers on debit cards, it's time to visit their websites. Information on branches in each city, on mobile applications and online services is best taken from there.
At the last stage, I would recommend studying customer reviews. We all know that often this information is not objective, and sometimes even customized. But it is worth turning on the internal filter and analyzing it in terms of specific facts, dates and figures. It is convenient to do the analysis on the Banki.ru portal. This is an independent financial platform, which is today the most quoted media resource.
For example, at the time of this writing (mid-March 2018), there were 61,782 reviews for Sberbank of the Russian Federation. And only 42nd place in the national ranking. And in 1st place is Avangard Bank, which occupies only 51st place in the rating according to the Central Bank of the Russian Federation.
Bribes also the fact that not a single review is left unanswered. Representatives of banks are trying, as best they can, to solve the problems that have arisen and eliminate misunderstandings. And very often customers change their rating to a higher one. According to the Banki.ru portal itself, its monthly audience exceeds 6 million people, so it makes sense to spend time studying it.
If, following the results of the previous section, you have identified a top three (five or ten) banks whose offers are worthy of your study, then it's time to do this. How to make the right choice? What are the parameters for further analysis? We make a list:
Find out which payment system your debit card is linked to. WORLD operates only within Russian Federation, so if you plan to use the card abroad, it is better to stay with Visa or MasterCard. Note that Visa is pegged to the dollar while MasterCard is pegged to the euro. Therefore, commissions for converting from one currency to another are not excluded.
Cards are issued with a magnetic tape, on which information about the owner of the account is entered, or with a microchip. The magnetic tape is erased over time, often forged by scammers. The electronic chip is considered more reliable. It is harder to fake, it does not wear out, and information is read faster. Modern cards are often issued with both a ribbon and a chip at the same time.
Cards, depending on the set of services that are provided to the owner, can be classic (standard), gold, platinum, etc. Think about what exactly you expect from the card: a simple opportunity to store money or even receive additional income. If you are looking for a card with free service, then be prepared that the functions it provides will be severely limited.
This is a very important parameter - the ability to carry out profitable and expenditure operations on the map. And it is doubly convenient to do all this without leaving your home or sitting at a table in a cafe, from your smartphone or laptop. Here come to the rescue mobile applications and online bank offices. Therefore, check if the card you have chosen has such and the cost of these services.
All information about the cards can be found on the official websites of banks. But take your time - this process requires care and perseverance. Do not limit yourself to an advertising, concise description of a particular debit card. The sites mostly focus on the advantages and not a word about the disadvantages. And they certainly are.
Where can you find out about them? Right there on the site. Banks provide links to agreements banking service, detailed descriptions tariffs, loyalty programs, etc. Be sure to follow them and delve into all the pages of documents. And there are usually a lot of them. Small print is definitely not a help here. But it is in these documents that you will learn everything you need.
An important point that I advise you to pay special attention to is the overdraft conditions. An overdraft is when a bank lends money if there is not enough money in a debit account. Sometimes without your knowledge. And for any loan you have to pay. In the article I already wrote about this phenomenon. Read and do not let yourself drive into a debt hole.
If the list of banks that you have chosen for your analysis includes Tinkoff Bank, Sberbank or Alfa-Bank, then I have good news. I have already done a great job of identifying the pitfalls of their debit cards. Check out the results in my articles:
If your list consists of other banks, my articles will become a kind of instruction on what and how to look in order to find all the pros and cons in each offer. Not required to have economic Education to sort this out. No one canceled consultations with bank employees either.
A debit card has long ceased to be a simple electronic wallet. If you are still using it only to receive wages and infrequent phone and internet charges, it's time to take a step forward. The card can work and bring you real money. At the same time, this is a passive income that does not require you to have high knowledge in financial sector and some action.
I'm talking about options like:
Check if the bank provides such a service to your card as interest on the account balance. If yes, then this a great opportunity receive additional income. But there are many nuances that need to be identified in each case.
Let's show with examples. On the Banki.ru portal, I found all debit means of payment with interest on the account balance. There were few of them, only 16 proposals. Let's take for analysis Tinkoff Black debit card, which offers us 6% per annum. But in order to receive them, you must fulfill the following conditions:
If you don't do this, then you don't get any interest.
The Cosmos card from Home Credit Bank promises up to 7% per annum. But you must have a daily balance of 10 to 500 thousand rubles on your account.
And you can open a savings account for an Alfa-Bank debit card. Choose your own percentage from 1 to 30%, which will be deducted from wages or each purchase. 6% per annum is accrued on the balance of the account. Remaining amount - any.
I think the technology is clear. Study each offer and determine if you can meet the conditions set by the bank. If not, then the card will turn into a regular electronic wallet that does not generate income.
Another program that many banks are actively promoting today is cashback cards. Cash back is a return of part of the funds after paying for purchases back to the card.
Here for me, for example, important point is in the form of which I will receive these returned funds. These can be real rubles, which are added to the amount available on the account, or virtual - in the form of points. In the first case, I can spend them on anything or withdraw cash. In the second - only for purchases from partner companies of the bank.
Return rates range from 1% to 40%. For example, on Map No. 1 from Eastern Bank promise up to 40%. The procedure for receiving is simple: you need to select an online store from the list on the website and pay with a purchase card. The amount of cashback depends on the store. Ozone can only give 1%, and Bonprix - 5%.
Sberbank debit cards operate the “Thank you from Sberbank” program, in which cashback is virtual rubles that cannot be withdrawn in cash or paid for any purchase. Accumulated bonuses can only be used in stores - partners of the bank.
And on the Tinkoff Black card from Tinkoff bank cashback charged from 1 to 30% in real rubles. This, of course, is convenient and profitable. But there is also one negative point. The purchase amount is rounded down. For example, if you paid 899 rubles with a card, you will receive only 8 rubles in bonuses. (with 1% cashback).
Of course, the ideal option for a debit card user is its free service. But, friends, let's be realistic. Banks are commercial institutions whose main purpose is to make a profit. Therefore, if they give you the right to use for free plastic card, then this is not their charity event, but a cold calculation.
Read the bank service agreement carefully again. Determine the amount of commission for:
Pay special attention to such an issue as monthly and daily limits on withdrawals and deposits.
Looking at the rates in detail, you can see that a small fee for the annual maintenance of the card is easily compensated, for example, by the opportunity to receive interest on the account balance or return it from each purchase (cashback).
When I thought about the structure of this article, I wanted to build it like this: make my own rating of debit plastic cards. It had to be based on my preferences and desires, on the analysis of the bank's proposals, identifying advantages and disadvantages. And the logical conclusion of the article was to be the choice of the best option.
But, friends, we are so tired of being constantly manipulated: from the TV screen, from billboards, by phone and on the Internet. I abandoned the original idea of imposing my opinion on you. I decided to show the algorithm of actions, what questions you need to study, what to pay close attention to, etc. And the result of its implementation should be exactly your card and another draw.
I will wait for comments on the work you have done on the selection of a debit card. Were you able to find a suitable option? Your advice on selection is welcome. You will help readers save time, and possibly money.
This is a payment card for paying for goods and services and receiving money from ATMs. With such a card, you manage funds within the available balance on the account to which it is linked. In this it differs from credit card where you borrow money from a bank. Purpose of debit cards - replacement paper money non-cash payments.
Financial indicators will tell about the reliability of the bank. Even the most big bank is not insured against bankruptcy, but large credit institutions are less likely to have such a scenario than small ones.
Pay special attention to banks that offer too profitable terms card service. Probably, the bank does not do this from a good life and it needs to attract new customers. track financial condition banks can be on the site banki.ru.
Key indicators of the bank's condition: net assets and net profit. If they grow - this is a good sign, if they fall - it is worth considering.
When choosing a bank, study customer reviews. For example, pages with reviews about banks on banki.ru. If the bank is large and has an extensive network of branches, then you should ask your friends from your region and city. The same bank works differently from city to city.
By ordering a card from a bank, you open a bank deposit account. Guarantee of the safety of funds - the bank's participation in the deposit insurance system (DIS). If the bank participates in the CER, then in the event of its closure, you will be paid up to 1 million 400 thousand rubles inclusive. If you have more money, then place them on the accounts of different banks.
The list of banks participating in the system is available on the website of the Deposit Insurance Agency.
Each bank, as a rule, has a whole line of debit cards. They can differ in payment systems and security (with or without a chip), service rates, bonuses. Debit cards are also common for making certain purchases, such as refueling a car, travel cards, shopping in online stores.
Having decided on the card, go to a bank branch or call support (if the bank has no branches) to get expert advice. Feel free to ask questions, especially regarding the terms of service: how much does the card service cost in the first year and in subsequent ones, what service package is included in the tariff, what additional options are available and for what fee.
Another point worth paying attention to is the payment system. The Mir payment system has recently been launched in Russia, but its reliability is still questionable. It is better to stay on the classic options - Visa and Master Card. Almost all shops, terminals and ATMs work with them.
Great, we have chosen the right bank and card. Now let's move on to the nice things. Did you know that a debit card is not just an e-wallet? With a good card, you can save money from inflation, receive account balance and discounts from partners. We will tell you in more detail how exactly the card can help you save money and earn some extra money.
Cashback is refund of part of the money spent. Banks usually have a single interest rate for such operations, for example 1%. For every thousand spent, you will get ten rubles back. Some banks offer users to choose their favorite categories of purchases, which are subject to increased cashback.
For example, a bank offers 3% cashback when spending on travel, books and gasoline. Then for every thousand rubles spent, you will get back not ten, but thirty.
On the balance of the account can accrue interest. In this way, bank card also works as an investment, helping to protect funds from depreciation. Typically, banks have special conditions: in order for interest to accrue on the balance, you must have at least 10, 30, 100 or 300 thousand rubles in your account - it all depends on the particular bank. Check this point with a bank employee.
Many banks enter into agreements with partners: clothing stores, perfumery, online stores, travel agencies, tour and hotel aggregators. Within special offers from partners often there are discounts on first purchases (from 10 to 30%).
From the benefits that you can get by issuing a card, let's move on to an equally important issue - service. Good banks love their customers and make their lives easier with mobile apps, online banking, conscientious phone support, and an extensive network of branches and ATMs.
In 2016, banks are required to be in your pocket. Interestingly, convenient mobile applications are also beneficial for the banks themselves: in this way they reduce the flow of customers in branches and save money on employee salaries. If most of the transactions can be done through a smartphone, why are there extra tellers and service managers in the branches?
The same applies to internet banking. At good bank there should be a convenient and functional Internet bank. With it, you can not only pay for utilities, telephone and Internet, but also open new accounts, transfer funds between them, block cards, open deposits, and arrange loans.
Even in the most thoughtful bank, troubles happen - this is normal. It is important that at such times you know that you can count on sensible support by phone or online. Check this point with a specialist when applying for a card, ask those who are already a client of the bank how their problems were solved.
Per last years banks have changed a lot and have become like big IT companies. The card can be ordered without leaving home, almost all transactions can be performed in the application and online banking. But for many, this way of communicating with the bank is not suitable. Some issues are really easier to resolve in the department, and not at a distance. Therefore, it will not be superfluous to find out how many bank branches there are in your city, how conveniently they are located.
Debit cards are designed to replace paper money, but not everywhere you can pay by bank transfer. Therefore, find out how the bank deals with ATMs.
Large banks (Sberbank, Alfa-Bank, VTB 24) themselves are building extensive networks of ATMs throughout the country. Others (Tinkoff Bank, Rocketbank) allow you to withdraw money from almost any ATM, but under certain conditions. For example, in Tinkoff Bank you can withdraw from 3,000 rubles without commission, and in Rocketbank - no more than several times a month.
Now you know how to choose a debit card. We hope that our tips will help you find profitable option. Leave questions and suggestions for supplementing the material in the comments.
