Actual question for Russian tourists and travelers - which card to choose for the trip: Visa or MasterCard? From which bank? Is it worth withdrawing money from an ATM in Belarus? Does it make sense to take only cash with you, hoping to change them in an exchanger? Where is the best course - in banks of Belarus or in international payment systems Oh? Read about everything below.
The question of choosing a bank card for a trip came up before me quite recently - when planning a short trip around Belarus, the materials from which will definitely appear on the site. I could not find a clear answer to it on the Internet, so I decided to formulate it myself during the trip, taking with me three different debit cards and a small amount of cash. Looking ahead a little, I managed to find the best result.
Why is the relevance of bank plastic cards increased right now? The fact is that denomination took place in Belarus on July 1, 2016 Belarusian ruble. And it turned out to be not as convenient as it used to be in Russia. Let me remind you that we have "cut off" three zeros. Thousands became rubles, the design of equivalent bills remained practically unchanged. It was difficult to get confused, even when both old and new money were in circulation. In Belarus, they went their own way and "cut off" four zeros. Those. the old paper thousand began to equal 10 metal kopecks. It is not comfortable. Especially considering that by the end of 2016 both old and new money will be in circulation. These are new:
In stores and other marketplaces, you will see two price tags. Cash registers knock out checks in different ways: some - with old rubles, others with new ones. Change is also given to you mixed. The Belarusians themselves are confused, what can we say about travelers ... But no need to get confused when paying by card, no need to check change, no need to worry about changing, and no need to carry a bunch of change or old-style paper rubles in your wallet.
Some more information about the denomination.
Suddenly, for example, you have saved Belorussian rubles the old model - is it worth it to rush to Belarus to change them? No, it's not worth it. Until the end of 2016, they are in circulation throughout the country. , and if you don’t make it here, then before the end of 2021, you will be expected at the National Bank. I also note that the money is at least formally new, they were printed back in 2009.
And yes, if earlier we came to Belarus and immediately became millionaires, now everything is the opposite.
trifle
If we mean Belarusian money, then everything is about the same as at home. Who likes what. However, there is one significant nuance associated again with the denomination. it a large number of little things in your pockets (in this case, I mean coins). If in Russia the most valuable "trifle" is 10 rubles, then in Belarus it is 2 rubles(in terms of our approx. 67 rubles, not the smallest amount). If we can put a trifle in our pocket, and then give it all to the driver of the minibus, then in Belarus you will have to pay with it all the time, otherwise you will pick up whole mountains of very expensive coins. When using a credit card, you can practically not remember the little things.
Spreading
Cash, of course, is ubiquitous. What about bank cards? I traveled to different parts of Belarus for a week and a half and paid with cards everywhere: in museums, cafes, shops, metro stations, souvenir stalls, second-hand shops, railway and bus stations, hostels and many other places.
Cards were not accepted only:
in two hostels.
In minibuses and trolleybuses (when buying a ticket from the driver).
When buying a set of bed linen from the conductor in a reserved seat car. Yes, now linen is not included in the ticket price.
At an ATM at the station to pay for local mobile communications (I will write more about this in the corresponding article later).
At the self-service terminal at the station to buy a train ticket. At the ticket office, however, there were no problems.
Conclusion: you need to have some cash with you in any case.
I changed at the entrance to Belarus 3000 Russian rubles more than enough. So much so that on the last day in the supermarket he paid in cash on purpose.
Visa or Mastercard? In terms of distribution, it's pretty much the same. During the entire trip, I met only one supermarket, which did not accept the Visa. And Mastercard was accepted everywhere. Read about the benefits in terms of the course below.
Cash exchange or ATM withdrawal?
Definitely, it is more profitable to acquire Belarusian rubles in exchange offices when dealing with cash. It is unprofitable to withdraw money from a plastic card. Yes, the rate will remain the same, but the percentage for rent will be added to it. It is different for every bank.
The conclusion is still the same: you need to take some cash rubles with you in any case. Change them immediately upon arrival.
How do we consider the course in this material?
As well as central bank RF, i.e. from our side - how many Russian rubles you need to pay for 1 Belarusian. The numbers, say, 33.34, indicate that 1 Belarusian ruble costs 33 Russian rubles and another 34 kopecks. - how many Belarusian rubles will they give us for 100 Russians, don't get confused. Do you see the rate of 3.02 in the exchanger? This means that for 100 of our rubles you will be given 3 Belarusian and two kopecks. To convert this rate to our original rate, you need to divide 100 by 3.02. It will be 33.11.
Participating:
The exchanger of "Belinvestbank" (represents the average exchange rate for Belarusian banks, verified)
Well Central Bank RF
Three debit (i.e. we spend only what we have) bank cards- Yandex Money (hereinafter POISON), QIWI Visa Plastic (hereinafter - Kiwi), Corn
Why these cards and not others? Firstly, anyone can get them without much difficulty. Secondly, I didn’t have any other cards before the trip. But if you want to compare your bank's debit card, find out its rates and include them in the list yourself. And probably, it’s not worth explaining once again why it’s better not to take a salary card or just a card with an impressive balance with you on a trip.
Corn card(MasterCard payment system) can be obtained from Euroset for 100 rubles. Don't forget your passport. And these 100 rubles They won't take it away from you, but put it in your own account. Roughly speaking, in a couple of minutes it will be possible to spend them in a nearby store. The card is given for quite long term(I don’t remember when I received it, but there are still 5 years left until the end of the validity period).
The main inconvenience of Corn is that without a commission, the card balance can be replenished only in Euroset.(In 2018, several more places of interest-free replenishment were added, for example, Svyaznoy stores and MKB ATMs.)
Update from September 2019. It is also possible to replenish Corn from a card of another bank, for example, Sberbank, without interest. one of the readers mentioned it. Subsequently, I repeated this experience myself. Read more at the end of the note.
Please note: Belarus also has a Euroset, but it is not directly connected with the Russian one, it will not work to replenish the balance of Corn in it.
When paying for various goods with Corn, you are awarded bonuses (0.5% or 1.5% of the costs, the percentage depends on the level of the card). They can be spent in the same Euroset, paying 100% of the purchase with bonuses. I don’t need anything at Euroset, so I successfully spend bonuses at the Perekrestok supermarket, here they can pay up to 30% of the purchase (including promotional goods and special offers).
And at Kukuruza SMS-informing is free, which is a rarity these days. Upd. From March 12, 2019, SMS-informing at "Corn" becomes paid, 49 rubles per month. So it makes sense to refuse it, replacing it with mobile push notifications, and connect it only when traveling.
When converting to a foreign currency (not USD or EUR), the MasterCard exchange rate is used to convert to US dollars. Then the rate of the Central Bank of the Russian Federation is taken to convert dollars into rubles.
at the time of making the payment, the amount in rubles is blocked on your card at the above rates plus 5% (you receive information in SMS that the money has been debited, but this is not entirely true). The real write-off occurs after three days (+/-) at the exchange rates for the corresponding number, the difference is returned to the account (they do not inform about this in SMS; in my opinion, it is correct). 5% is not a corn commission, it is insurance against a sharp jump in exchange rates. If it is not, you will be given these 5% back.
QIWI Visa Plastic(payment Visa system) is a card from Qiwi wallet, card balance = balance of your wallet. It is convenient if, for example, you receive wages through Qiwi. To withdraw cash from it, you will have to lose interest, and payment in ordinary stores, etc. occurs without interest, this is profitable. It costs the most budgetary Qiwi card - 150 rubles for two years. You can get it by mail. SMS informing - 49 rubles per month.
When converting into a foreign currency (not directly exchanged by the Qiwi bank, i.e. not the dollar, euro, tenge, hryvnia, Swiss franc, somoni), the Visa rate is used to convert to dollars, then at the rate of the Qiwi bank, dollars are converted into rubles.
When paying, the amount in rubles is debited from your account at current rates. Everything. There will be no more operations. The only inconvenient thing is that in the Qiwi interface all this is reflected only in rubles, and if you do not save the receipt from the store, you will not be able to actually calculate the rate.
(MasterCard payment system) - everything is the same here as with Qiwi. Just another payment system. The poison card costs 300 rubles for three years. SMS informing - 50 rubles per month (350 rubles per year) .
When converting to foreign currency, the MasterCard rate is used, to which the poison adds 2%.
at the time of making the payment, the amount in rubles is debited from your account at the current MasterCard + 2% rate (YA income percentage, it will not be returned to you). In a day or two, there will be a recalculation at the new MasterCard rate, and some small difference will be added to your account or, on the contrary, written off (which they will not fail to inform you about).
It's kind of tricky to calculate, right? In order not to go into deep jungle, all the following card rates were derived by me solely from a comparison of spent Belarusian rubles (on checks) with the amount of debited Russian rubles on cards according to the payment history. Where there was an exchange rate adjustment, the amount already adjusted was taken into account, i.e. actual. Immediately, I note that the rates for the cards, as it turned out, are not fixed during the day. I will not go into details that I myself do not understand yet, just do not be surprised that the numbers for the day will differ. Well, it is clear that in this case, the lower the rate, the more profitable the deal.
Poison Map
First payment = course 34.09
Second payment = course 34.07
Kiwi Map
= course 33.74
Exchanger "Belinvestbank"
= course 33.78
TSB RF
Poison Map
First payment = course 33.94
Second payment = course 34.06
Third payment = course 34.08
The rest of the courses are the same as weekends.
Poison Map
= heading 33.82
TSB RF
= 33,25
The rate of "Belinvestbank" for this date could not be found. But it is definitely not lower than the rate of the Central Bank of the Russian Federation.
As you can see, out of the three cards offered, as well as the average Belarusian exchanger, the Corn card is the sole leader, with it the exchange rate is the most profitable. With ease of use and even some bonuses. This is the answer to the question from the title of the article, short and to the point:.
Qiwi card at a rate approximately at the level of an average exchanger. The only benefit is convenience. What, it is quite possible to take it with you as a spare. But the Poison card showed the worst result, thanks to its 2% commission, its rate covers even the most unprofitable currency exchangers. It's no good, so It is better to leave the Yandex Money card at home when traveling.
The statistics, of course, are not the most complete, but quite indicative. Below in the note there will be a comparison of Corn with Sberbank cards, and in the comments you can find information about other bank cards, for example, VTB or Tinkoff.
I accidentally stumbled upon an article about traveling with a POISON card in their official blog (later the information was confirmed in the Yandex Money help). And it says there card when paying abroad can be blocked. Like, suddenly someone stole your card and went to spend your money.
How to prove that you are not a camel? And how to relax calmly without being afraid of a possible blocking of the card? Before the trip, you need to send a message to supportmoney.yandex.ru with the subject "Trip abroad with a Yandex.Money card". In the message, you must specify "full name, phone number linked to the account, travel dates and countries that you plan to visit."
Not bad? To the question - why is Yandex so detailed information, they will not answer you. Either send or worry about blocking. Moreover, specific dates are required, for example, “I don’t know yet, I’ll be back somewhere in early October” will not work. I didn’t want to worry, I sent them all the information, the card was not blocked, although they were forced to enter a pin code everywhere.
Why is this being done? "For your own safety, in case your card is stolen." Is it possible to take care of your own safety, i.e. warn your comrades from the bank once, and then calmly travel abroad without fear of blocking? No. Every time is like first grade.
In Kukuruz, the situation is the same, however, everything can be solved by phone in a couple of minutes (look for the phone number on the map). Again, I personally warned about the trip, the card was not blocked. Although, judging by the reviews on the Internet, most likely they would not have been blocked anyway.
In Qiwi, I did not find a point about blocking. Therefore, no one was informed. The card was not blocked.
The above is current as of October 2016, with partial later edits./em>This time I did not use the Yandex-money card in Belarus, because it could not stand the competition. He also advised his companions to issue Corn for themselves before the trip, but they safely ignored the advice (they say "what kind of Corn is this? Yes, well, her") and went to Belarus with cash.
They spent several hours in total in Minsk looking for working exchangers with the best rate, while I calmly paid for purchases with Kukuruza or Qiwi cards: in stores, in cafes, and in a dental clinic (read about dental treatment in Belarus in this article). Cards were not accepted only when renting housing from a private seller, at the Komarovsky market (however, there is an exchanger right at the entrance) and paying for a bus / minibus.
The conclusions are as follows: my companions, having abandoned Corn, lost at least 50 Russian kopecks from each Belarusian ruble on the difference in exchange rates. From 10 thousand is 150 rubles(+ 50 rubles in bonuses). It's not much, in general. But comfort and convenience, coupled with financial benefits, can hardly be overestimated. By the way, unlike my companions, I didn’t have to feverishly spend the rest of the Belarusian cash before leaving. I took with me "just in case" 20 b.r. (620 rubles), the same amount remained in his pocket.
Everything is clear and visible. The jumps in the rate of Corn literally by the minute are interesting. The first number in the list is the time, the second is the heading.
Kiwi Map
20:17 = 31,14
Exchanger "Eurotorginvestbank"
18:04 = 32,05
Exchanger "Technobank" (one of the most profitable in Minsk)
20:18 = 31,25
Kiwi Map
17:26 = 30,88
22:47 = 30,88
Exchanger "Technobank"
13:33 = 31,06
Kiwi Map
13:12 = 30,84
13:46 = 30,84
Central Bank rate
= 30,57
The Kiwi card again blocked the exchangers for profit, and Corn predictably blocked it too.
In Kiwi, it seems that the exchange rate does not change during the day, unlike Belarusian exchangers or the same Corn.
The difference between the rate of Corn and the rate of exchangers is quite significant. On average - from 50 kopecks to 1 ruble.
The exchange rate of the Belarusian ruble is still rapidly falling, so holding Belarusian cash is extremely unprofitable.
Another remark about the "security policy". This time I did not inform anyone, the cards were not blocked.
By popular demand, during my next trip to Belarus, I decided to get a couple of Sberbank bank cards at my disposal and compare the Belarusian ruble rates between them and Kukuruza. I tried to keep my calculations as close to the same time as possible.
The results were predictable, but still interesting in their own way.
Sberbank Visa(regular, salary)
Sberbank Maestro(not social, ordinary, salary)
Maestro uses exchange rate from master card , incl. settlements according to Maestro must match these for maps Sberbank MasterCard. Recall that social Maestro, as well as maps WORLD, will not work abroad.
Corn MasterCard
And here we immediately get the first problem with Sberbank. Unlike Corn, the most popular bank in the country does not inform about the rate at which it debits funds. Even in Sberbank. There is no online course, only the actual foreign currency amount. And how to navigate this, you ask? ..
The solution, of course, lies on the surface - you just need to take the amount in rubles that was before the purchase, subtract from it the account balance after the purchase and divide the difference by the costs in Belarusian rubles. And so on for each operation. The loss of time is guaranteed, but here it is the exchange rate of the Belarusian ruble from Sberbank. It is convenient [?] to take all numbers from SMS alerts, if you, of course, have a mobile bank connected.
In the table below, I tried to fit the received and calculated data in the most compact volume. The possible over-scrupulousness is intentional, as in places even the minute-by-minute definition shows interesting results.
I did not add information on the exchanger to the table, since they used it only once. Yes and June 15 the course jumped all day, so the numbers are not very useful for conclusions. However, on a separate line:
Especially for those who do not have the desire or time to dig deep and look at the picture, here are a couple of illustrative examples with the simultaneous (+/- minute) participation of all three cards:
June 11, 2018, 19:08
Sberbank Visa - 32,85
Sberbank Maestro - 31,71
Corn MasterCard- 31.17 (reserve); 31.17 (write-off)
June 15, 2018, 18:13
Sberbank Visa - 33,13
Sberbank Maestro - 32,94
Corn MasterCard- 31.60 (reserve); 31.25 (write-off)
I used it myself. Liked. I decided to give a place in the note. By a funny coincidence, I did not withdraw money anywhere, but at an ATM of the Belarusian Sberbank.
To remove the commission on Corn, you just need to connect the "interest on the balance" option to your card. Come with a card and a passport to any Euroset or Svyaznoy, sign a couple of documents and that's it. Relevant for any Corn: standard. World Pay Pass. As a result, you can withdraw money without extra interest in Belarus, Russia, Europe and around the world. Fast, convenient and the best rate.
Blocked on the map 249 rubles(they will be available again when you disable the option). September 2019 Update: on the map at the time of connecting the service there must be at least 259 rubles. For a while these 259 rubles are blocked, a few days after connecting interest on the balance they will be returned to the balance.
There is no subscription fee, provided that either on the balance of the card from 5 000 rubles, or spending or replenishing the card during the month surpassed 5 000 rubles[since September 2019] spending on the card per month is at least 3 000 rubles, not including payments from a mobile application or an online bank (for example, replenishment of the phone balance from the application does not count). If the condition with three thousand write off in a month 70 rubles subscription fee.
If it's a problem you can enable the option, go where you want and disable it. In the first two months, the service is free of charge anyway.
To avoid commission, you need to withdraw at least 5 000 rubles(or equivalent in local currency) and no more 50 000 rubles per month; in other cases there will be a standard 1%, but not less 100 rubles.
For me, the minimum withdrawal amount is the most inconvenient limitation, since such an amount of cash is simply not required in Belarus. Since September 2019, a big inconvenience has also been caused by the change in the conditions regarding the subscription fee, which is mentioned just above.
The ATM itself can take a commission (which it should inform about), but there are very few ATMs with a commission in our time, I have not yet met them.
The card balance is converted into a bank deposit(banks may be different; now it is Renaissance Credit or Otkritie).
In terms of using the card, nothing has changed. The deposits are insured.
The name of the option clearly hints that some more interest will be added to the balance.
They really drip every month. A trifle, but nice.
Where to film? At any ATM with a logo master card(i.e. in almost any).
If you do not activate the option, the commission for cash withdrawal will be 1% (but not less than 100 rubles). With the most favorable exchange rate of 1%, this is also generally not bad.
That's not news. The option has been available for several years. But since I am not a client of Sberbank, I still could not verify the information on personal experience. Tried with other cards mentioned in the article, the commission was removed from them.
Although, according to user reviews, most large banks do not charge interest for such a transfer. Specifically Sberbank really makes it possible to "pull" money from your card without commission. I tested the usual pension card Mir from Sberbank. [Subsequently, the simplest Maestro, but not on the corn service.]
AT mobile application"Corn" select the item "replenish".
We enter the number of the Sberbank card, the expiration date and the amount of the transfer, which should be at least 3 000 rubles, otherwise "Corn" will take its commission, about which the relevant information should appear.
We press "replenish" and wait until an SMS arrives on the phone to which the donor card is attached (in this case, Sberbank).
Enter the code and wait for the withdrawal / replenishment. In my experience when translating 6 000 rubles the wait was a matter of seconds.
Subsequently, the card used will be saved in the Corn application for quick transfer without a new dialing and expiration date. But you can immediately remove it.
I’ll clarify once again: the transfer must be made not through Sberbank Online (they will definitely take a commission there), but through the Corn mobile application. On the Euroset website they write that the Kukuruzy online bank is also suitable, but I have not been using it for several years. By the way, other banks, for example, MKB, also have similar services for interest-free “pulling”.
The nuance of Visa cards, information from the site "Corn": “From Visa cards without using the Visa Direct service (VPP - visa personal payments) - [commission is charged] 1% (minimum 30 rubles) of the transfer amount. For information about using the service, check with the Bank that issued your card». If you plan to transfer money from a Visa, this issue should be clarified in advance.
When transferring a relatively large amount, order 100 000 rubles, be prepared for the fact that the Sberbank security service may have questions, and you will need to provide them with some personal information by phone, such as a code word or a cardholder's passport number.
For new holders of the "Corn" card, at present, through simple manipulations, it is possible get 300 bonus points on your account(those. 300 rubles). What is needed for this?
Get a "Corn" card.
Install the mobile application "Corn" on your phone (available in Google Play, and in App Store ). Convenient program, but if not needed, it can be removed later.
Go to the application under your card, enter the promo code FR2391A7W
From the moment you receive the card, you have 7 days to enter the code. Further, it will no longer be relevant.
Pay with your “Corn” for any product in any store, on the Internet or make a payment in a mobile application (purchases in Euroset, Svyaznoy and on their websites are not taken into account). The amount of the purchase does not matter.
This must be done within 30 days of receiving the card.
The code can be used only once and only for new owners of "Corn".
When using the above promo code, I will also receive a bonus. So if the note or comments below helped you or gave you useful information, this corn action is a good opportunity to get yourself 300 bonuses and express gratitude to the author. Although, the comments are also nice to read.
Please note: Euroset has finally abandoned the extra zero in bonuses, now 1 bonus point equals 1 ruble. Those. the former 3,000 turned into 300, somewhere they are displayed like this, somewhere like that, but in fact they are the same 300 rubles.
Also note: comparison of rates between the exchanger and Corn (dated July 2017), useful information about VTB card(strange commission + comparison of rates from 2018), and another good comment (cashbacks and interest-free transfer to Corn from a Sberbank card).According to the mechanism of payment, bank cards are divided into credit and debit.
Operations for debit card are made only at the expense of funds that are currently on the card account of the cardholder. Such cards are used to pay for goods and services, receive cash in. AT individual cases spending is possible Money in excess of the amount paid by the client by providing a bank loan (overdraft) to the client.
Credit cards make it possible to use a loan provided by a bank within the limit set by it. The limit is determined by the bank for each cardholder individually, depending on his financial situation and credit history. In case of overspending of the credited funds, as well as a delay in repayment, the bank has the right to charge a predetermined interest.
Scroll payment systems, within the framework of which the banks of the Republic of Belarus issue (issue into circulation) and / or acquiring (acceptance for payment) of bank payment cards:
In the Republic of Belarus, bank payment cards are issued by the following banks:
The banks of our republic mainly issue debit cards points. This means that the conditions for the acquisition of such cards are the presence or opening of an account for the applicant and the transfer of money to it. Operations on them are possible only if there are funds on the account. Banks issue cards that provide access to accounts both in Belarusian rubles and in foreign currency.
With international cards issued in national and foreign currencies, it is possible to receive funds on the territory of the republic both in national currency and in foreign currency. In addition, plastic card holders are given the opportunity to receive cash foreign exchange and outside the republic, which makes them the most attractive. The money placed on the card account does not need to be declared and confirmed with certificates when traveling abroad.
In Belarus, you can cash out Belarusian rubles, US dollars or euros. The percentage of commission for the provision of services depends on the bank whose ATM is used. Settlement by bank cards for goods in either shopping malls carried out without charging a commission.
Bank plastic card- means of non-cash payments, which allows you to pay for goods and services, receive cash from ATMs both in the territory of the Republic of Belarus and abroad. Banking plastic cards are divided into different types according to the features they provide, terms of service and additional services. According to these features, cards are divided into more expensive and prestigious "gold" cards - Visa Gold, universal "classic" Visa cards Classic and MasterCard, inexpensive "electronic" cards Visa Electron, Maestro and virtual visa Internet.
Bank cards are also divided into "credit plastic cards" and "debit plastic cards", depending on the means by which the client makes transactions (borrowed or own). Debit card transactions are made using your own funds, which must first be deposited into the account. funds in excess of the amount deposited by the client by providing the bank with a loan (overdraft) to the client.Credit card transactions are carried out at the expense of the bank's funds taken by you on credit.The process of issuing debit cards is simpler, as it does not include a thorough check of the client.On the balance of funds interest is charged on the card.
Below is information that allows you to avoid unnecessary costs when using bank card(debit) at ATMs of various banks.
| cards | Bank card type | Card transactions in other banks without charging a commission | phones |
|---|---|---|---|
| JSC "Belagroprombank" | Visa Electron, Visa Classic, Visa Gold, Maestro, MasterCard Standard, MasterCard Gold, BelKart | at ATMs of JSC "ASB Belarusbank", JSC "Belinvestbank", "Priorbank" JSC (Visa). | |
| JSC "BPS-SBERBANK" | Visa Electron, Maestro, MasterCard, Visa Classic, Visa Gold | at ATMs of JSC "ASB "Belarusbank", "Priorbank" JSC | 148 tariffs |
| JSC "ASB Belarusbank" | Visa Electron, Maestro, MasterCard, Visa Classic, Visa Gold, BelKart | Remuneration is not charged when withdrawing cash: - at ATMs National Bank Republic of Belarus, OJSC "Belinvestbank", OJSC "BPS-SBERBANK" using Maestro, VISA Electron, VISA (Classic, Gold), MasterCard (Standard, Gold), BelKart cards with a magnetic stripe; - at ATMs of Belagroprombank OJSC using VISA Electron, VISA (Classic, Gold), BelKart cards with a magnetic stripe |
147 tariffs |
| JSC "Belinvestbank" | Visa Electron, Maestro, MasterCard, Visa Classic, Visa Gold, BelKart |
Any adult resident of Belarus can apply for a credit card without collecting a voluminous package of documents. Priority is given to customers who have a positive credit history. They can count on loyalty, use of the grace period and participation in bonus programs. If a credit card is issued for a significant amount, some banks will require proof of solvency or provide collateral. What are credit cards?Credit cards of the Republic of Belarus are standard and chip (the latter are equipped with a magnetic stripe and a microprocessor). Depending on the possibilities, there are:
How to get a credit card?To quickly apply for a credit card in Minsk, you can use the online application. This method allows you to fill out a form from any device with Internet access and send your data to the selected bank. Our financial resource, which contains the maximum profitable offer from various institutions. Credit card in 2020 in Belarus remains one of the most popular banking products. You can take it from different payment systems, for example,. Banks offer flexible conditions, the ability to select the most suitable solution depending on the goals and solvency. Card TermsYou can take a credit card:
Priority is given to adult citizens of Belarus with a positive credit history. They are offered loyal conditions, the opportunity to use Grace period and a bonus system. When processing large amounts, the bank may require proof of income or the provision of collateral. Types of credit cardsYou can get a credit card standard and chip. The latter has not only a magnetic strip, but also a microprocessor. It stores more information. The benefits vary:
How to get a credit card?You can get a credit card quickly if you use the online application. It allows you to send your data to selected institutions from any place where there is Internet access. In order to make a choice, you can study the best options on our website. Suggested |
