Many of our fellow citizens have preserved the tradition of giving each other money for various holidays to this day. And today there is unique opportunity not just to give cash, but a prepaid debit card with a certain amount in the account. Of course, not all of our fellow citizens use this method, probably for the reason that they do not know what a gift is. bank card. Let's try to understand this issue, and also consider why plastic is needed, how to use it, all its advantages and disadvantages, design methods and much more.
Most of us are used to the fact that the bank offers only two types of cards - these are credit and debit. They are not much different from each other, the main difference is only that a credit card allows its holder to use borrowed funds. bank funds, and a debit card is needed solely for storing and moving your own savings.
A bank gift card is a prepaid plastic card, it is not named and is intended for making various expense transactions within the paid limit. From this we can conclude that you can get a card only if you pay its full cost.
Unfortunately, not all banks offer this product to their customers. But there are a number of Russian banks, we will consider them later, which nevertheless have such a card in their product line. Gift card a jar can be purchased as a gift for any holiday, the denominations of plastic are also different. In order to receive this banking product, you need to pay the nominal value, that is, the amount that will be stored in the account, plus pay extra for issuing this card, then pick up the envelope with the PIN code and the plastic itself.
Otherwise, prepaid gift cards are no different from other bank plastics, they have standard shapes and sizes, it shows the logo of the issuing bank and the face value, that is, the amount that is stored in the account. It is equipped with a microchip or magnetic stripe, has a security code for paying for goods and services on the Internet. Usually such cards are issued by Visa or MasterCard.
Usually any plastic needs to be ordered in advance, because a certain time can be allotted for its manufacture. Although, given that the gift plastic is unnamed, then the bank certainly provides an opportunity to receive it on the day of application. In any case, all conditions of release and service are subject to personal conditions. financial institution. Now consider several banks that allow you to issue this financial product.
Most big bank in our country provides its customers with the opportunity to receive a prepaid Visa card, the main terms of service are as follows:
Please note that the card has a limited expiration date, that is, you can use the face value only for 1 year after plastic activation.
So this gift Visa card- this is an ideal option for a gift, here you can buy a card without providing any documents with a face value of 1000 to 15000 rubles. The card is unnamed and is not illuminated by a chip. However, on the reverse side there is a CVV code that allows its holder to pay for goods and services on the Internet. By the way, this plastic is not suitable for withdrawing cash, only for paying for goods and services. Among other things, it is still impossible to replenish these cards.
Please note that at the moment the release of gift plastic is temporarily suspended.
This is one of the Russian commercial banks that offer the widest range of plastic cards, with credit limit and without it. Among other things, in the product line of this bank there is a gift prepaid card from the MasterCard system. According to the terms of service, its currency is only rubles, the card is valid for one year. The face value of the card is 1000 rubles, 3000 rubles, 5000 rubles, 10000 rubles, 15000 rubles. For the release of this product, you will have to pay from 50 rubles if you place it at a point of sale. 100 rubles if you apply through the official website of the bank and 150 rubles in the offices and branches of the bank.
Gift plastic from Russian Standard Bank can be issued without documents to any third party insofar as it is one of the gift options. With it, you can pay for any goods and services, including on the Internet and any outlets, where Mastercard and Visa are accepted, these cards are not intended to pay for goods and services outside of our country.
The main advantage of this plastic is that the gift card holder can receive discounts from bank partners for paying for goods up to 30%.
Gazprombank also offers its customers to issue gift plastic, its cost here is only one hundred rubles, you can buy a card without providing any documents. The card is unnamed and unembossed, it contains a security code to pay for your purchases in online stores. It is impossible to replenish the account, just like withdrawing cash, you can get this product at any branch of Gazprombank.
Alfa-Bank also provides a wide range of plastic cards for its customers, among them there is gift plastic with a face value of 3, 5, 10 or 15 thousand rubles. A fixed fee of 100 rubles is charged for issuing and servicing, you can get a card at any branch of the bank without any documents.
Debit gift cards have their own advantages:
There are a number of significant drawbacks, here the most significant drawback is that the card is one-time, that is, it cannot be replenished and used in the future, after the funds in the account run out, it is no longer usable in the future. Cash cannot be withdrawn from this card, therefore, it is only suitable for paying for goods and services at retail outlets. Moreover, most cards do not allow you to use them abroad, the possibilities of the card are strictly limited.
Thus, gift plastic is a great gift for any occasion. If you want to present a useful and memorable gift to a loved one, then a banking product is the best option for you. Despite the fact that it has several disadvantages, it still has more advantages, besides, everyone knows that keeping funds on a plastic card account is a more reliable way.
As you know, money is the best gift, but a bit not decent, but a bank gift card is more original and appropriate. Now gift cards of retail chains or prepaid certificates for any entertainment services are gaining more and more popularity. Compared to them, bank gift cards are more valuable, as they are universal.
You can pay with bank cards in any online store or trade and service point equipped with a terminal.
Gift plastic cards are officially called prepaid cards. Such cards are debit cards, paid immediately: face value + bank commission. The highest denomination of anonymous cards, according to the law, cannot exceed 15 thousand rubles.
When the limit of the card paid for when buying is spent, it can be thrown away if the card is not rechargeable.
Prepaid cards are most widely used as a gift for any occasion. They are willingly presented as a present instead of the usual envelope with money. The design of a gift bank card emphasizes the solemnity of the moment - sometimes it appearance may look like a beautiful postcard.
A prepaid card is purchased not only to be a spectacular gift, but to pay for goods at retail outlets, the Internet (so as not to jeopardize your salary or credit cards). A good map for a first acquaintance with banking services- it can be given to a teenager from 14 years old instead of pocket money.
The ease of obtaining a card (questionnaires are not filled out, documents are not provided) attracts those who currently do not have a passport temporarily, and the need for a card arises.
The main classification of such cards occurs according to the possibility of replenishment:
The cards are also divided into:
A bank gift card has a number of negative points:
You can buy a bank card as a gift:
A bank gift card is an instant issuance card, you only need money to buy it, you don’t need to show your passport, you don’t need to fill out applications. True, there are exception banks that identify the client and require a passport. The prepaid card is not personal, so it can be given, transferred without restriction to other persons.
It will only be necessary to determine the design and limit of the card, most often it is 1 thousand rubles, 2 thousand rubles, 3 thousand rubles, 5 thousand rubles, 10 thousand rubles. and 15 thousand rubles. If you need to make a gift, for example, for 50,000 rubles, then you will need to buy 3 cards with a face value of 15 thousand + 1 card for 5 thousand rubles.
The easiest way is to buy a card at the nearest branch of any bank where they are available. You don't have to wait and pay for shipping.
There are cards that can only be obtained from employers, such as Sodexo. The card has everything character traits gift cards and is a convenient gift from the company.
Gift cards are sold unactivated. For activation, depending on the bank, sms, e-mail are used, or you will need to call the bank's hotline.
To check your card balance:
The options depend on the card issuing bank.
To date, not all banks offer services for the sale of prepaid cards. However, those market participants who work in this direction are developing very interesting proposals in a wide variety.
Sberbank Since 2015, it has stopped issuing gift (prepaid) cards.
Promsvyazbank offers prepaid cards and calls them congratulatory cards.
Bank opening issues a "Gift Card", a service fee of 100 rubles.
Bank "AK BARS" offers 11 types of prepaid cards, including both rechargeable and non-rechargeable.
Uralprombank mainly issues co-branded gift cards with certain companies.
Gift card Gazprombank wrapped in a gift box. Commission for the issue of 100 rubles.
SPM bank issues gift cards with a face value of 1,000, 3,000 or 5,000 rubles. You can buy it at any branch of the bank. Service fee 100 rubles.
Bank "Saint-Petersburg offers a prepaid card "Beautiful Money". The cost of maintenance is 250 rubles. To purchase cards, the bank conducts a simplified identification of the client and for this requires a passport.
Russian Standard Bank offers the largest range of gift cards. The cards look very attractive - images and captions on them will help you navigate the choice for a particular event. Some are sold in a box.
The catalog of gift cards of Russian Standard Bank contains rechargeable and non-rechargeable cards, regular and electronic deadline up to 9 months. At the moment, it is this bank that seems to be the most client-oriented in terms of promoting this product.
When buying a card at a bank branch, the commission for issuing a card is 150 rubles.
When buying a card at a point of sale - 50 rubles. (the store may charge an additional commission).
When ordering online on the bank's website - a commission for issuing 100 rubles. Delivery by courier will be 600 rubles. For sending by mail, the commission is 80 rubles.
The gift card of the bank is gaining popularity in Russia, so the list of banks issuing such plastic will be replenished in the future.
Enjoy the shopping!
Nina Polonskaya
Money is the best gift, especially if you don't know what to give. Financial institutions make this gift even more interesting. In the article we will talk about what gift bank cards are, how to use them and which banks offer.
What is a gift card? This is an ordinary plastic carrier, on which a fixed amount is paid in advance. As a rule, it is impossible to replenish such cards in the future, since a separate nominal bank account is not opened for them. You can issue such a product in some Russian banks, which we will discuss next.
It should be noted that the gift bank card is not personalized, that is, absolutely anyone can use it. No documents are required for registration. Funds are deposited upon registration, the denomination is set in certain ranges or determined by the client (depending on the conditions of the bank). Such a plastic carrier has all the standard payment details: number, expiration date, CVV/CVC code. On it you can:
Gift cards cannot:
The validity period is determined by the conditions of the financial institution where the card was issued. Additionally, participation in promotions and special offers from payment systems and bank partners may be provided.
NOTE. The bank offers both regular and virtual gift cards. In the second case, the client simply receives details that can be entered when paying for goods and services on the Internet. Below will be a description of only the usual offer with the release of plastic media.
Russian Standard Bank issues gift cards in several versions. In the review, we will consider the classic and premium options. Key Features:
Please note that the purchase of the premium option is possible only with the presentation of a passport, as large amounts are credited. However, the plastic carrier is also unnamed and can be used by anyone.
Key features and benefits of this offer:
The main drawback is the impossibility of crediting an arbitrary amount. In addition, there is no single information on the validity of the card.
One of the largest private financial institutions- Bank "Opening" offers instant issuance of gift cards. Terms:
NOTE. The offer is valid only for regions and cities in which there are branches of Otkritie Bank. Such plastic carriers are not delivered by mail or courier.
The main advantages of cards of this type from Otkritie Bank:
The main drawback is the geographical limitation of the offer, since the company does not yet operate in all cities of the Russian Federation.
Gift cards from Gazprombank are issued in a special package. Documents are also not required for their registration, but for use, a signature on the back and the introduction of a pin code (issued along with a plastic carrier) are required. Offer features:
The SMS notification option is connected separately.
The advantages of the Gazprombank proposal are:
But the disadvantage here is the same as one of the proposals above - there is no clearly established expiration date.
Issues gift cards with different designs. Other features:
Discounts and privileges can be viewed at the link.
Advantages of the card from Promsvyazbank:
Flaws:
MTS-Bank also has its own kind of gift cards, which are issued in beautiful packaging, and therefore are great as a present. Their key features include the following:
The benefits of these prepaid cards include the following:
The disadvantage is the impossibility of using the card abroad.
CONCLUSION. So which bank card as a gift is in the lead? Most advantageous offer of those considered is a plastic carrier from Promsvyazbank. For the same cost of registration, it offers more denominations and design options, in addition, there are programs for additional benefits. However, if you want to replenish your account for a different amount, then it is better to stop at Otkritie Bank or Gazprombank if there is no first in your region.
Basically, many banks issue gift cards for some holidays, for example: New Year May 9th or March 8th. Most often, such cards are taken by people who do not know what to give to their relatives and friends. A gift card is a great option for many to please their loved ones on the day of their holiday. So is there a VTB 24 bank gift card or not?
Gift cards VTB 24In fact, at the moment there are no special cards yet, and they usually begin to be issued well in advance of the holiday - most often a month before the scheduled date. But there is a huge selection of other gift cards that can also surprise the person you give it to.
Most often, a gift card is no different from an ordinary one. plastic card. But it has a certain amount of money, and you can also use it to make various purchases in any store or supermarket.
So what is a gift card? This is the same credit or debit card, which has in addition a bunch of bonuses and privileges that the card client will enjoy. Your task is to issue and issue this card, and later give it to your loved one, who will be happy with such a gift.
Here you can choose either by card class or by purpose. There are, as you already understood, three types of cards: classic, gold and platinum. Depending on the choice of a particular card, the maximum amount and privileges on it will change.
Very common among many and everyone can afford it. For all its simplicity, it comes with some pretty big perks and a nice package that your loved one will love:
This card already has a higher status, as well as higher usage privileges. This card will please any person well, as it is real gold among many plastic cards:
This card has the highest privileges among many. The most important thing is that this map will suit you well on any trip, and you will be able to pay for goods and services anywhere in the world. There are also a huge number of advantages when using this card:
This card is also a gift card that combines several gift cards at once: an impression card, a collection, an auto card and a world map. VTB 24 Bank decided not to issue these cards anymore, but to merge everything together and make a multi-card that combines the pros and benefits of all these gift cards at once:
If you are puzzled, what to give your loved ones for their birthday? If you have already run around all the shops in search of the right gift? If you are already desperate? - That is a gift VTB card 24 is your savior and joy for the one to whom it will be given. If you have any questions about gift cards, please call free phone hotline – 8 800 100 24 24.
With the holidays approaching, many are faced with the question of what to give to family and friends. If there is no time to find the right gift, you can give money. However, banknotes folded into a gift envelope or postcard do not always look original. To really surprise your loved ones, it is worth presenting a gift card. You can buy it at big banks, including VTB.
VTB 24 gift card has a standard look. It is made of plastic. The front side shows the VTB logo, as well as the denomination. However, there is no holder data on it. On the reverse side is a magnetic stripe.
The main advantage of this gift product from VTB is that it allows you to make purchases in any store, as well as pay bills in restaurants, use it in different countries, and much more.
Choosing a gift card from VTB is not as easy as it might seem at first glance. In order for such a gift to be truly useful and functional, its choice should be approached as responsibly as possible. Be sure to focus on the following parameters:
VTB Bank has several gift cards. Analyze every offer. If necessary, you can ask for help from a VTB employee.
VTB Bank starts issuing gift products a month before the holiday. These are standard cards that have a certain amount of funds in the account and a lot of additional bonuses. VTB offers several types of gift cards.
| Type of gift card | classical | Golden | Platinum |
|---|---|---|---|
| Limit | Amounts up to 150,000 rubles | Amounts up to 750,000 rubles | Amounts up to 1 million rubles |
| Service charge for monthly use | Free | Free | Free |
| Getting bonuses | Not provided | Cashback on all purchases up to 5% | The gift card is valid abroad, the client falls under the insurance program, and also receives cashback from purchases and other bonuses |
| SMS banking and Internet banking | 60 rubles | Is free | Is free |
In the rating of VTB gift cards, the most profitable one is platinum. However, VTB also offers a multicard. It combines several bonus programs, and also guarantees a cashback of up to 10% from any purchases. The holder can connect several options to choose from. The “Collection” option is very popular, which provides for the accrual of bonuses for each purchase.
In VTB Bank, you can issue a credit card "Collection". She guarantees her owner a large number of bonuses from bank partners. When making various purchases and paying for services, bonuses will be credited to the account at the rate of 1 bonus for 30 rubles. The accumulated bonuses can be spent on tickets to the cinema, on a plane or train, on booking a hotel room and much more. In addition, VTB partners provide a 40% discount.
If you need money urgently, you can apply for a Platiza loan. This microfinance organization offers its clients very profitable terms lending.
You can issue a gift banking product at the nearest VTB branch. You do not need to have any documents with you, since such a card does not contain personalized data about its owner. In addition, it does not involve opening an account, as is the case with conventional debit and credit cards.
You can also apply for it online on the official website of the bank. Online application is very convenient, as the whole procedure takes a minimum of time. It is enough to fill out the order form and pay the cost.
A VTB gift card can be issued anonymously. However, in this case, its limit will be 15 thousand rubles.
The card is issued instantly after the client has deposited money at the VTB cash desk. If its registration and payment took place via the Internet, then a gift card can be obtained using a courier or postal service. In the latter case, a letter with a link to activate the banking product is also delivered to the specified address.
VTB gift card differs significantly from others banking products. Her main feature is that anyone who knows the PIN code can use it. Thus, the gift card issuer can transfer it to any other person, and this will not be a violation of the law.
The possibilities of a gift product from VTB are limited. So, the holder can use it exclusively to pay for their purchases (including purchases in online stores), as well as various bills in public institutions. It is impossible to withdraw cash from an ATM or bank cash desk. It is intended exclusively for non-cash payments.
A VTB gift card is valid as long as there are funds in its account. After they run out, it closes automatically. Some gift cards are rechargeable, which is very convenient. Then their validity expires depending on the conditions of the bank. On average, it is no more than 1 year.
In case of loss or theft of a card that is not connected to any insurance program, it cannot be blocked. Therefore, scammers can take advantage of it. The lost money will not be returned to the holders of the gift product.
Summarizing all of the above, we can highlight the main advantages and disadvantages of gift products from VTB.
Thus, a VTB gift card is an excellent present. Often, it comes with original gift packaging, such as an envelope or box, and even a postcard.
