Today bank VTB trusted by many citizens of Russia, because it has a good reputation and offers many high-quality services, including the opening of a master account, that is, the main one. It opens in several currencies for ease of payment. A plastic card is bound to it. The owner can open several additional cards to, for example, issue a duplicate to his wife.
You can open a ruble and foreign currency account at the VTB office when concluding an agreement comprehensive service. The agreement guarantees the client the provision of the entire range of VTB services. It includes:
In order to conclude an agreement with VTB, it is necessary to submit an appropriate application to the branch. The client must have an identity document with him.
It should be noted that in some situations, VTB automatically connects complex services. For example, if a bank card is issued, consumer credit and in other situations.
A VTB client may issue additional cards. They are issued free of charge, and the number varies depending on the service package. The peculiarity of additional cards is that they have their own individual number, but do not have a separate account, as they are tied to main map. You can open additional cards both in the name of the owner of the master account, and in the name of his relatives, friends or acquaintances. In particular, this service is relevant for parents who can issue cards for their minor children. The latter cannot have their own in the bank until they reach the age of 18.
In order to issue additional cards, it is necessary to write a corresponding application at the VTB branch and fill out a questionnaire. You need to have a personal passport and the passport of the person for whom the card is opened. The application is considered within 3-5 working days. The VTB manager will notify the applicant by telephone that the card is ready. Both the applicant and the person in whose name it is issued can pick up the card.
The client is connected to the standard package of services. However, if desired, he can switch to another package that provides more features.
| Package name | Additional features |
|---|---|
| Classical | The client receives a standard card from Visa or MasterCard. Additionally, the possibility of SMS-informing is provided. |
| Gold | A privileged gold card is provided. Its holder becomes a member of the insurance program, as well as the "Partners of the Bank" and "Concierge Service" programs |
| Platinum | A platinum card is provided for the platinum service package. The owner connects to the insurance program and SMS-informing, as well as to the "Partners of the Bank" and "Concierge Service" programs |
| Privileged | The client receives a status world map Black Edition with the possibility of renewal of the limit. In addition to all of the above opportunities, the holder is covered by the Traveler Protection program |
The master account is a complex product that includes several accounts. One of them is opened in rubles, others - in dollars and euros. They are equal among themselves, however, as a rule, the account in national currency used more often than others. It has the following features:
Use foreign money on the territory of Russia in in large numbers Not sure it's going to happen. However currency accounts useful when traveling. They are practically in no way inferior to the ruble and have the same capabilities. You can replenish them at the VTB branch. The card works in all ATMs, the commission for cashing out Money minimum.
The expediency and benefits of opening a master account with VTB cannot be denied. The main advantage is that the client receives a comprehensive service from VTB, and the use of additional services is charged minimum commission. The possibilities for the client are almost limitless. In particular, he can:
There are also disadvantages. A significant disadvantage of the VTB multicard is the unfavorable currency conversion rate. So, if the goods need to be paid in dollars, but they are not on the account, then the currency is exchanged automatically. For this operation, VTB charges a commission. Another drawback is double conversion, when, for example, rubles are converted into dollars, and then dollars are changed back into rubles.
VTB offers to replenish the master account by various methods, based on which one will be most convenient. Many VTB customers prefer to deposit funds via Internet banking. To do this, just specify the details of the master account and the account from which the money will be debited. Another option is to use the service bank transfer. You can carry it out at the VTB office knowing the account number. You can also replenish the master account through an ATM or by transferring funds from electronic payment systems. Today VTB accepts payments from Qiwi, WebMoney, Yandex.Money.
The VTB financial institution offers its clients to conclude a comprehensive service agreement, for which a master account is opened. This is the right decision, since VTB clients have access to almost all banking products and services. main feature the master account lies in its multicurrency. The cardholder can carry out transactions in currencies such as rubles, dollars and euros.
Quite often it happens that there is only one card, but another family member needs it. big banks introduce a service in which not only the main card is issued, but also an additional one. Maintenance of the second plastic is free. Both bank cards are tied to one account, and the owner opens access to the second for a trusted person.
The bank does not require a package of documents, and the client for whom a duplicate is registered must present only a passport. His name is indicated on the carrier, he has the right to withdraw money from an ATM, pay for goods. In the article, we will consider the advantages and disadvantages of such a service, as well as the proposals of large banks in the country.
A duplicate card is a clone of the main one, but with its own number and pin code. When purchasing goods from additional plastic, money is debited from the main account. You can open in the name of a spouse, children and other relatives. Several additional clients can be linked to the main card. The owner has the right to set restrictions.
Persons allowed to use the main plastic are not the owners of the main account, they cannot follow transactions on the main medium, they have access to money, but only to the extent that the owner provided them, and he is responsible to the bank for his account actions.
Formally, a duplicate is registered to relatives or a friend of the account holder, the initials of the trustee will be indicated on it, and a pin code will be issued for use. But the card will be registered with the owner of the account, and all transactions will be tied to his carrier.
The opportunity to open a master account for a client is provided when signing a service agreement. The user can manage three currencies on his account. Without such an account with VTB, it is impossible to use a range of bank services, issue compulsory medical insurance or conduct foreign exchange transactions.
When registering a master account, you can get the full range of services from the largest banks in the country. You only need to connect to the system or perform certain operations with mobile phone.
This opportunity is usually offered in cases where the client:
The master account makes it possible to remotely manage processes: make online transfers, convert funds into foreign currency.
You can open such an account at any VTB office by signing a comprehensive service agreement. According to the agreement, the client has the right:
You can open such an account at any VTB office by signing a comprehensive service agreement.
According to the agreement, the client has the right:
Master account is a complex product that includes a ruble and foreign currency account. They are equal, but rubles are usually used more and more often.
Peculiarities:
Issuing an additional card is a bonus.
Capabilities:
The number of additional media is not limited. The number of additional cards can be up to five pieces. The release initiator takes responsibility for the account. Its management is entrusted only to the owner of the main carrier. The monthly limit is justified if the card is issued for a child.
Duplicate cards are issued for debit cards, as well as for Social and instant issuance, but not for the Russian World. Get a second credit card and spend borrowed money will not allow the rules. Teenage customers must have their own passport.
An outsider can open a duplicate for a child only after presenting the consent of his parents.
The commission for cash withdrawals and transfers to another medium is low. To conclude an agreement with VTB, you need to write an application and submit it to the office, also presenting your passport. Sometimes VTBcomplex services automatically connect when issuing a bank card, a consumer loan, and in other cases.
A VTB client has the right to open additional free cards with an individual number without a separate account. The amount depends on the service package provided. Binding is carried out to the main carrier. The bank allows you to open a duplicate for relatives, friends and acquaintances. The application for issuing a duplicate is considered for about five working days.
VTB service packages include:
They produce and service plastics in Sberbankez 450 rubles a year.
Allowed limits:
Peculiarities:
The currency is useful mainly when traveling. You can top up your foreign currency account at the branch financial institution.
Making a duplicate is a safe tool for optimizing and controlling the family budget.
Issuing and managing duplicates involves certain pros and cons.
Advantages:
Flaws:
Duplicates are issued only for debit cards, not for credit.
The largest financial institutions, when issuing debit plastics, offer to additionally provide a carrier with more low interest and favorable conditions. Consider the proposals of some Russian banks.
One of the parents takes the initiative to issue a duplicate for a child. The bank requires the parent's passport and the child's birth certificate to be provided. The carrier will always come in handy for school, trips abroad, paying for goods, and parents will always be able to track spending, as well as set limits if the child unexpectedly decides to spend a considerable amount. You can set a limit on cash withdrawals from an ATM.
When issuing a card to a child by an outsider or grandparents, parental consent is required.
A working spouse has the right to allocate funds to a non-working spouse and issue a duplicate to her by setting a limit. You can usually withdraw a fixed amount from ATMs per day. The wife will also be able to replenish the account.
You have to pay for services and fees. It is much easier to open a duplicate for a spouse or even a child, tied to one account. This feature allows you to carefully track all expenses and set a monthly limit on the use of a duplicate. The punishment for unreasonable spending will be the installation of another and much more stringent limit.
questions and answers bank accounts formsQuestion: Tell me, please, in Sberbank Online, I found out that I have two credit cards. One is a salary card, to which my salary is transferred, and the second, the existence of which I did not even suspect. Apparently my previous employer started it without my consent. Card status "To be issued" more than a year back. I have not done any transactions with this card. She has an account - (minus) 450 rubles. Apparently this is a fee for using the card. In this regard, the question is: is it legally brought credit card without my consent and whether I have to repay the debt on it.
Answer: Each client has the right to issue in his bank the number of cards necessary for comfortable work - but only debit cards, and each card will be linked to his account. There were no restrictions on the number of cards. But a credit card can most likely be issued only one, since it is linked to the client's solvency.
To begin with, without filling out the appropriate loan application form, you could not be issued a credit card, so you most likely have a salary debit card, to which your salary is transferred. You filled out and signed an application for this card at the enterprise, and then the accountant took it to the bank and after 10-15 days you received a card and an envelope with a PIN code. Take into account such a moment that without proper filing of an application, Sberbank employees never issue a card, therefore, applications were issued, possibly on behalf of the enterprise (under a service agreement). At the end of each application, the assigned to this client and according to this statement card account number. Since two accounts are opened, this additionally confirms the fact that the card was not issued without an application, and there were two applications.
You have two cards as a bank client in the following cases:
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Clients have the right to open the required number of settlement, deposit and other accounts in any currency in banks with their consent, unless otherwise provided by federal law.
But after looking at the tariffs for the terms of service of salary cards, I had one more question. Who paid for the service card account for the first year? Your organization? According to the tariffs of Sberbank, for annual service With a bank card, the client pays:
Do you have to pay off the debt on the second card? They should, but only after you make sure that you yourself filled out and signed the application for the second card and you were actually given it. If this was done in the accounting department of your enterprise, and there is no application signed by you in the bank, and you do not have a card in your hands, you must demand that the account be closed without paying for the bank's services. You can try to shift the costs to those who issued this card for you so as not to create confusion.
And one more thing - so that there are no additional service costs, the second Sberbank card must be repaid as quickly as possible, and
Tankoff debit cards are very popular due to favorable customer service conditions, as well as the possibility passive income on cashback and interest. Clients can independently manage their own available funds with maximum convenience in any city, regardless of the type of ATM. However, despite all the advantages and high speed of the bank, often one debit Tinkoff cards Black is not enough for a full service.
In this case, users can issue an additional bank card, which can be linked to specific types of expenses. Registration of two or more debit cards will allow you to optimize your own spending, or provide access to your account to your family members. Additionally, the second card provides the ability to bypass limits on the amount of funds stored.
When opening an account, many users do not know whether it is possible to have two Tinkoffs or whether there are restrictions in the bank. After all, the majority banking institutions in the interior they do not have the services of binding additional cards, which significantly limits the financial potential of a particular client.
Based official information, which is located on the main Tinkoff website, each user has the opportunity to issue an unlimited number of cards and personal accounts. However, the execution of the second debit card is carried out on the condition that the new card will be used as an additional one. At the same time, the general activity of using cards should be observed.
In general, the procedure for issuing a second debit card does not differ from general conditions jar. Depending on the needs of the client, 1 credit and 2 debit cards can be offered. A 1 + 3 scheme is also possible, but each user must independently calculate the need for such a number of cards. After all, a service fee is charged.
Often a second Tinkoff debit card is issued for specific needs. For example: the first is used for own expenses, the second for the purchase of large goods, and the third for accrual wages. The final scheme and use cases are selected by the user himself.
Debit cards are issued mainly in multicurrency. However, you can first choose the type of currency yourself.
AT bank Tinkoff An additional debit card is issued free of charge to any customer who already has a credit or any other card. The basic requirements and conditions for the procedure do not change.
You can receive a debit within one day from the date of application. However, despite the wider possibilities of personal banking, the second card will require a small financial outlay. According to the established rules of the bank, servicing any other card of the same type in an amount of more than 1 piece costs 99 rubles per month. Also, for additional debits, cashback from purchases is not 5%, but 1%. In general, other conditions do not change and remain similar. The user receives from 3 to 30% return depending on the amount of the purchase. However, 6% per annum for all additional cards is not charged.
In general, customers draw up auxiliary debits for the following purposes:
The presence of the second will allow more rational use of own funds. After all, both accounts can be divided according to the intended purpose. For example, the first card will be used for small purchases, and the second for servicing and refueling the car. Depending on the conditions and the available amount on the account, this option is also suitable for larger goods. In this case, the client gets the opportunity to charge additional bonuses and annual interest.
All functions (SMS alert, internet banking, mobile bank and virtual service) will be available as usual. Binding of two debit cards is carried out to one mobile number. If necessary, the user can control 2 debits through a personal account on the official one. There is no need to create different accounts.
A second debit card is issued quite often. Basically, the two-card option is popular among citizens who have a significant turnover of their own funds. The usual Tinkoff debit card is controlled by limits. Depending on the type of card, the user receives a limit of up to 300,000 rubles, which is inconvenient when buying expensive goods in the form of household appliances, electronics, cars or accessories for them. Accordingly, the presence of two cards automatically increases the availability of own funds on accounts by 2 times. Debit cards with the same conditions are already able to provide 600 thousand rubles.
Usually, the use of multiple debit cards is considered popular in business circles. However, for simple clients with active banking history 2 cards can make life much easier.
To summarize:
Large banks have introduced a service in which they issue not only a plastic payment card Visa systems Classic and Mastercard, but also optional. The second card has free service or more low level. In any case, it is attached to the owner's account and is completely dependent on him. Why do we need a card that duplicates the main one, tied to the same current account with it? Does it make sense to make it? Should I agree to the offered service of the bank to open another card?
Often, spouses or family members are faced with the situation that there is only one plastic card, but two people need it at the same time. What to do?
The solution is simple - order two cards for one account. Both will be issued to one bank account, the owner of which opens access to it to authorized persons by opening an additional card. It is not required to collect a package of documents, it is only necessary to present the passport of the person for whom the credit card is registered. The duplicate shows his name, and the person receives money from ATMs and pays for goods in stores and outlets, if necessary, shows a passport for identification.
It's the same plastic card for the same current account of the client as the main one. It does not have to be registered with the owner. An additional card, if desired, can be opened in the name of a spouse (wife), children, relatives, individuals who are granted the right to use the money in the account. If the owner does not grant the right to dispose of them completely, he has the right to establish restrictions.
Important. An unlimited number of additional accounts can be linked to one account.
Since all persons on whom it is issued do not own a current account, they do not control operations on the main card. They only have access to money, and even then in the amount provided. If the owner of the main card of Sberbank opened an additional card for his wife and limited the limit, she can only spend the allocated amount.
The duplicate, of course, belongs to the person whose initials are on the plastic. He is also informed of the PIN code for transactions. But the plastic card, anyway, is registered with the person who owns the account. After all, all operations are tied to his personal account, and it is the owner who is responsible to the bank.
By opening an additional Sberbank debit card, the whole family uses bank account, without sharing the budget and without saving on maintenance. In this case, one of the family members has the main one, and the rest have duplicates.
Important. Sberbank offers customers profitable terms issuance of additional cards: the cost of issuing and servicing for the first year is 450 rubles, for all subsequent years 300 rubles each, and the number of additional cards for one main plastic is not limited.
How to customers government organizations issue an additional card in Sberbank? To do this, it is necessary that the authorized person is 18 years old, and the relative is at least 14 years old, i.e. he must have a passport. It is not required to have Russian citizenship. Children from 10 to 14 years old are allowed to issue an additional card tied to the main close relative - parents or guardian. An outsider opens an additional one in the name of the child, having received the written consent of his parents.
Parents open to the child an additional one that provides useful opportunities. First, he pays by card instead of cash. So it is safer to shop online or in stores. Secondly, transactions can be monitored by receiving SMS messages. Thirdly, the additional card does not have its own account, and parents always find out about their children's purchases according to the state of their balance. Fourth, it is not necessary to give the child access to all means. You can impose restrictions so that he does not spend more than desirable. The limit set for the child is updated monthly. They issue a card for the child at the branch of Sberbank, having come with a passport and a birth certificate of the child. It takes from three days to two weeks to issue an additional card. Bank employees will inform about its readiness by phone call or SMS. It is issued to parents.
For release to other family members or trusted individuals:
Important. Sets limits on operations carried out from a duplicate, at the discretion of the owner of the main card:
According to customer reviews of Sberbank and others banking organizations, the issuance of additional cards is a convenient and safe tool for managing the family budget, saving on banking services throughout the year, and for controlling transactions from the main balance.
