Ak Bars Bank Where Map World. Map World from Sberbank for state employees. Tariffs, conditions and differences from analogs. Conditions on the "World" cards in Ak Bars Bank

The payment system of the world appeared in 2014, and is the development of Russian specialists.

Creating a national payment system It was determined by the introduction of anti-Russian sanctions and the need to have its own tool for rendering stable and high-quality service plastic cards and relevant services.

Operator system world is NSPK (National payment card system), which is one hundred percent owner of which is Central Bank Russian Federation.

For 2017, the number of issuer banks issuing a world map reached 59. Almost 100 Russian banks serve cards in ATMs, support payment in terminals, online stores and online services.

Sberbank of Russia began to release and maintain the product in the second half of 2016, which made it possible to globally expand the possibilities of obtaining cash and payment services for holders. You can make money in any ATMs and Sberbank self-service devices.

April 26, 2017, a bill was approved in the Council, according to which all payments Citizens of state budget must be carried out on the map world. According to the document, all employees of the budget sector must start receiving salary on Russian plastic until June 30, 2018.

The draft law states that from July 1, 2017, when contacting a card for paying a wage, the bank can no longer give out a Visa and MasterCard state employee - only the Russian "World".

Let's see what categories of citizens will be transferred to the Russian payment system:

• pensioners - Until 2020, banks will gradually replace / give out available Pro100 cards, social for pensioners for the world
• civil Citizens of the Russian Federation and working in the budget sector - until 30.06.2018
• recipients of various benefits and payments (children's, disability, participants in hostilities, etc.)

60 million Russian citizens receive payments from the state budget, the Fund social insurance.

Of them: 41 million people - Get pension payments, 16.5 million people - are civil servants and employees of budgetary institutions.

Recipients of what payments not necessary will receive a card:

• unoperable payment payments
• recipients of tax deduction
• citizens who receive indexed compensation

I would like to note that the bill oblige Services of the service sector with a turnover of more than 40 million rubles / year to go to the new generation terminals, supporting Calculation on new cards. That is, citizens should not worry that the world will be harder than, for example, a visa.

What is a Sberbank Card World for state employees and what is the difference from Visa and MasterCard?

PEACE - Modern plastic card, produced by Russian banks for more than a year. She received the greatest distribution at the beginning of the release campaign in the Republic of Crimea and the city Sevastopol, where banks are present, which are not able to produce a visa card and mastercard.

The leading banks of the Crimea, such as RNB, Bank Russia, Crainvestbank and Genbank have begun to release and maintain a Russian map back in 2015, and by now practically all Terminals and ATMs On the territory of the peninsula take payment and issue cash With world map.

The appearance of the map of the world is presented in the photo. The card looks standard.

The map is positioned as no less safeAnalogues, and has several unique protection elements:

• the ruble symbol in the form of a hologram is manifested at a certain angle
• built-in microchip
• hologram world on the front part
• owner's signature area with system logo

Differences from the analogues:

• the map was created in Russia and the operator is Russian service NPC
• support only one currency - rubles
• for 2017, the use of a curb card is impossible
• payment in overseas online stores is not available

Types of cards, obtaining conditions and tariffs

For state employees and pensioners, Sberbank of Russia offers the world map of two types: "Classic" and "Social".

It is the first type that is supposed to be issued to those who receive salary from the state, working in budgetary institutions.

Tariffs World Classic:

• Currency - Ruble
• Validity - 36 months
• Service cost - free (for all civil servants and state employees, as part of a salary project)
• Dop.cards - not provided
• Age of holder - from 18 years
• Cash issuance Through ATMs and Cancers Sberbank - without commission
• Through ATMs of third-party banks - 1% of the amount, not less than 100 rubles

A detailed description of the tariff plan can be downloaded in PDF format.

If you decide to make a card outside the salary project, the cost of annual service For the first year will be 750 rubles, second and third - 450 rubles.

Without any problems, you can connect the service, service or. Also, the card supports the receipt of bonuses thanks from Sberbank.

Pros and cons

And banks, and users, and companies that receive payments on new cards face emerging nuances, in view of the fact that the product has entered the market quite recently, and many moments are at the stage of implementation and improvements.

Advantages of a new product:

• EXTERNAL PROTECTIONS. Whatever sanctions apply, your funds will be safe, because the world map is fully serviced russian system.
• Governmental support . The government guarantees that to use the card and pay for the purchases will become even more convenient than before.
• Rapid wage enrollment. In the national payment system, the enrollment of funds from the employer to the employee at the expense occurs almost instantly.
• Service in all regions of the Russian Federation. The card is taken in each subject of the country, including in the Crimea, where the card began to be released back in 2015.
• Free service. Those who get wages From the state the card gets free.
• Embosyment. Unlike budget foreign analogues, the name of the owner is embossed on plastic.

Disadvantages:

First of all, I would like to express hope that the development team and the country's government will cope with all arising difficulties and will listen to the wishes of citizens.

• No possibility to issue credit map
• No possibility of registration visa cards or mastercard besides the same account where the world map is open
• Map of Mir you can not pay in other countries
• The terminal network is actively developing, but, by April 2017, not all stores and enterprises take new cards.

Also, according to users, it would be quite possible to go for some benefits, for example, reduce cost Services "Mobile Bank".

How to issue a map of the world in Sberbank

State employees, employer as part of a salary project must be replaced Existing card for new. Also, you can order it yourself in one of two ways:

1. 1. Arrange the world map in Sberbank online on the official site
      • Enter personal information
      • Fill out the passport details
      • Choose a Sberbank Department to receive a map

1. Contact the nearest branch of Sberbank with a passport and fill out the application To receive a map. The production time takes 1-2 weeks.

Review Editorial

Summing up, we can conclude that for part of the state employees who own the Classic Visa Card / Mastercard standard or the level above, new map gives less advantagebecause in order to, for example, go to relax abroad - will have to open a new account.

For those who now own social, instant or momentum cards - practically nothing will change. It will also be possible to translate funds to other Sberbank customers, and pay housing and utilities services, mobile, repay credit.

In the future, if the government coordinates the support of the "world" in other countries, connect the opportunity to receive a discount from partners - a new card will not be just an alternative, but excellent replacement foreign analogues with the support of the state and protected international standards. How much the release of 40 million new cards remains only to guess.

Bank AK BARS promptly received a license to issue payment cards of the Domestic World System and became an issuer bank, offering its own conditions for customer service. Map "Peace" AK BARS Bank is issued on generally accepted conditions that require separate consideration, which will be devoted to this material.

The state payment system has actively developed for three years and has been optimized for comfortable work. budget organizations, pensioners and a private company.

State inventory and pensioners should use the world's plastic card without compulsory, which corresponds to the official card replacement schedule:

• from July 1, 2017 to July 1, 2018, all budget sectors of Russia must be translated into new cards, payments to other cards will be impossible upon expiration of this period. Replace the Card Client as in accordance with the official schedule, and individually, writing an appropriate application to the nearest service of this program;
• from July 1, 2017 to July 1, 2020, new maps should receive all pensioners. If the client in connection with the physical condition or the absence of an ATM or office in the nearest location cannot withdraw money - it has the right to abandon a plastic card and receive a retirement cash through the postman.

Private companies I. credit offers Can be independently connected to the "world" for an additional fee.

Cost and tariffs

The cost of replacing the card is free in all cases. Service for employees of the budget sphere is offered with a significant discount, the size of which is established individually and will be reported to the operator during the plastic card. Pensioners receive free service. For these purposes, 2 tariffs were developed: "Debit" and "Pension", which have different numbers included.

The decision for pensioners received not only a good discount on service, but also the possibility of passive accumulation of funds in the form of 8% per annum every month to the current balance of funds. Pleasant bonuses will be a free SMS-alert about the accrual of funds.

The state replacement program offers benefits only for state employees and pensioners.

All offers received advanced access to the user. personal Account and mobile application bank.

How to activate the world map of AK BARS

Map activation is automatically mode immediately after performing any financial operation or viewing balance. Also, the operator in manual can perform this operation. Salary card The "world" AK can be activated even in an ATM or infociosk.

The Moscow payment card of the Russian authorities want to oblige to enjoy all state employees since 2018. The world map was created to protect Russian banks in cases where foreign systems will cease to work with them. Such situations were already known - due to sanctions against Russia, incidents arose with the disconnection of domestic banks from international payment systems "Visa" and "MasterCard".

According to Russian developers, National payment card Allows you to make all the usual surgery: Removing and making cash, transfer of funds between accounts, pay for purchases, etc. But so far only in Russia.
The Central Bank set a deadline for bankers when they should give all state employees a national plastic card - until January 1, 2018. From that moment on, these cards will have to pay for all accounts that funds from the budget and extrabudgetary state funds - pension, social insurance, mandatory medical insurance etc.

In the list of banks, which began to release the world map, appear Sberbank, VTB24, Ak Bars.
"They can already be ordered and get in any branch in the city of Naberezhnye Chelny," Specialists of the Plastic Card Department of the Ak Bars Bank say. - Anyone can approach and issue it for free. "

Representatives of the Chelny Management of Sberbank, serving the largest number of state employees, are going to proceed with the distribution of cards during October: "You can not doubt that before January 1, 2018, they will be issued in the required quantity, experts comment. - The main plus of innovations is that the salary of state employees will have to be listed on the national map, and not on the cards of international payment systems. "

The head of the Chelinsky branch "VTB24" Evgeny Selivanov was like a similar opinion: "True, in the autogradua, we have not yet issued the map. We are waiting for instructions from above, there are still not called even approximate terms of extradition. "
The National Payment Card System (NSPK) has already concluded agreements with MasterCard, "Japan Credit Bureau" and "American Express" on the release of joint cards. The world map has several branded elements guaranteeing safety when used: the ruble graphic symbol visible in ultraviolet radiation; chip (microprocessor) of gold or silver color; branded hologram "Peace" with an element of figure lens.

According to representatives of the bank "Ak Bars", while you can order a debit card. Its annual service at the minimum rate of 200 rubles.

By and large, I do not care what this will be the payment system: foreign or domestic, is commented by one of the heads of the department in the city executive commitment. - the main thing is that the card can be used around the clock, and monetary operations Performed uninterrupted. I, as a state employee, list the salary through the bank "Ak Bars". Their terminals in Tatarstan are everywhere. And I know that I pay for SMS notice of any operations on the 59 rubles per month. For me it is a bit. If the instructions will be followed to use the "World" maps, it means that it will be so.

# Newsachelnyld

So as not to be turned off: the map from Nabiullina will soon be mandatory for retail business and state employees, but abroad with it yet

Map World will be mandatory for state employees - such a law on the holiday of Spring and Labor signed Vladimir Putin. This is half of all workers in Russia. "Business Online" recalls the history of the emergence of a national payment system, at the origins of which, the "AK BARS" could also be at all. And experts call main problem: How for the year to distribute tens of millions of plastic units for the Russians, because while the "world" is only 2% of the quarter of a billion cards in the hands of Russians.

Vladimir Putin made another gift to state employees, ordered in stages to translate all the State payments on the World Map Photo: Kremlin.ru.

"The World" has become mandatory for state employees, despite the protests of FAS and Sberbank

In the holiday of Spring and Labor President of the Russian Federation Vladimir Putin Made another gift to state employees, ordered in stages to translate all the news payments on the World Card. According to the document, from July 1, 2017, banks are obliged to issue a national payment card to all applicants for state payments. From the same date, banks must provide cards in their ATMs and terminals. From July 1, 2018, all employees of the budget sector will translate all employees of the public sector (civil servants, government officials, recipients social payments). And pensioners who already have cards of other payment systems will be able to change them on the World Maps after their expiration, but no later than July 1, 2020.

The most interesting is waiting for those who did not concern the discovery of their "world". If, after July 1, 2018, this card will not be tied to the report, the bank will take this money as "means of unexplained destination". The bank, of course, will offer the client to either open a new account with the "world", or get money in cash, or open an account without a card, but if the client does not appear 10 days, the bank will return money payer, they write "Vedomosti" today.

A business dealing with the population from October 1 is obliged to establish terminals receiving the World Maps - in case the annual turnover exceeds 40 million rubles. The law frees from it only those entrepreneurs whose trading points are not even provided with cellular communications or collective Internet. Putin-signed amendments preserve the former order of receipt tax deductions And in general, all irregular payments from the state. However, the Government in coordination with the Central Bank may establish its list of payments, the money for which should be made through the World Maps. In addition, the document enshrines the size of the Commission associated with the reception of the World Map at the level of similar card products.

Note that earlier the challenge of Sberbank was expressed against the mandatory "World" for state employees Herman Gref. In the preparation of the law in the State Duma, he noted that any obligation is dangerous for the quality of services. In addition, this opinion was inclined in others large banks - According to media reports, to a letter to the Central Bank against "Mirization" joined the Alpha Bank, the Bank "Opening", Promsvyazbank and others, although the bankers were officially denied. In addition, in the federal antimonopoly service, they considered this by the infringement of the rights of citizens, and in general, the translation of social benefits to these cards, according to FAS, will not affect competition in the banking sector. But these protests were ignored.

Yesterday, in the FAS, during the round table, he was suggested to postpone the translation of state employees on the World Map. "The current version of the bill causes certain issues and, as it seems to us, requires discussion: whether entrepreneurs will be ready, including small entrepreneurs, in such a short time it is the reception of cards in principle. Because such entrepreneurs, according to our information available, quite a lot, "- quotes the" Interfax "of the Department of Department of Control of Financial Markets Control FAS Lily Belyaevu.

Earlier against the obligation of the "World"
For state employees, the head of Sberbank Herman Gref was expressed Photo: "Business Online"

From 254 million Maps on the "world" account for 5 million Units

Now there are only 5 million cards "Peace" in the country. Recall that its operator serves NSPK JSC - a national payment card payment system controlled by the Central Bank.

The card is produced by 75 banks (in total in the country they are now 623, and operations with cards lead 439 banks). Among them are Tatarstan: for example, Ak Bars Bank, AVERS, Avertogradbank, Kazan Bank and others. In the press center of Sberbank, RT Business Online reported that the bank serves 42% of state employees and pensioners in Tatarstan. The process of translation for state employees, including servicemen, is scheduled to be completed until July 1, 2018. And pensioners will be able to exchange existing maps after the expiration of their validity period, but no later than July 1, 2020, the report says. The "world" is already taken in 95% of terminals and ATMs with cash withdrawal throughout the country, the card is serviced in 181 banks. And in the fall, the operator promises the launch of the loyalty program on the principle of CashBack.

For comparison - in Russia, according to the statistics of the Central Bank, more than 254 million plastic cards are issued. various systems, market leaders are Visa and MasterCard. Mainly debit cards - credit issued a little more than 30 thousand pieces. During the year, 11 million new cards were issued. 63% of Russians, according to official data, use cards to obtain salary and pensions. So one Sberbank only has to issue about 40 million world cards to close the needs of its state employees and retirees.

While one of the problems of the card remains its service abroad. As the State Duma deputy believes, the President of the Association of Regional Banks of Russia Anatoly AksakovThere are still no problems with this. "If you want your card to take abroad, you need it to have an additional application. There is an agreement between the World map and MasterCard, JCB, UnionPay - international payment systems. This allows you to use the map in Russia as "Peace", and abroad - as a map international system. And there will be no problems, "he assures. However, the "world" will build a direct settlement system - where there is a large stream of Russian tourists. In April, for example, the relevant negotiations took place in Thailand. And yet take a "world" with you abroad, despite such a cosmopolitical name, experts do not yet advise.

"All Rus maps": fromUnion And "Golden Crown" to the failure of the Gref project

Recall that the World Map is "our answer Chamberlain." The system of the national payment card appeared in 2014 against the background of a sharp aggravation of relations with the countries of the West - after the entry of Crimea to Russia. Then, after the introduction of sanctions by the United States, Visa and MasterCard cards issued by the Banks "Russia" and SMP-Bank, as well as related to it and Sobinbank, and Invest CapitalBank were blocked. This demonstrated the vulnerability of the Russian banking system - and the volitional decision was adopted by the relevant law. In general, the first attempts to create a unified national payment system were taken back in the 90s. In 1992, a system of interbank settlements STB Card appeared, and after a year - Union Card: By 1999, it united over 450 banks. In 1993, Sberbank was created in 1993 - by 2000, 3 million "SberCart" appeared in it. In Novosibirsk, a system was created " Gold Crown"- In 2014, she united 8 million cards.

Banks more than once and not two appealed to the Central Bank with proposals to create unified systemBut in the 90s it seemed easier to use existing foreign systems. In addition, it was not clear who will finance the creation of the NSPK and who, in fact, will shoot cream from this market. While they pulled the blanket on themselves, the market actually won Visa and Mastercard. But the first bell of doubt in their reliability sounded in 1998, when they disable the maintenance of Russian maps in the international network of terminals and ATMs in the crisis.

In 2009, the epic began with universal e-card. Then the president Dmitry Medvedev He stated that it was necessary to create a universal key to access a citizen to the services of government agencies. Well, at the same time - the e-wallet, medical policy, pension insurance And other joys of life. The idea picked up Sberbank: His head of Gref offered to make a project in private and state, and then among the founders was "Ak Bars" Bank. Maps were to distribute everyone by 2012. But the project Zabuxovov: The budget did not give money for him, shifting everything to the founders banks. "Restrained" and believers, surroundings "Chip Beast" - and in February, the Bishop Cathedral of the ROC opposed the non-alternative and forced use of electronic identification of the person. Getting a card has become a voluntary, and the project is unprofitable. When in 2014, foreign payment systems ceased to serve the cards of a number of Russian banks, the UEC had a chance to become the "Map of All Russia." But the head of the Central Bank Elvira Nabiullina I chose to start a new project - from scratch. So "Ak Bars" On this project hundreds of millions of rubles.

Gref is implementing another project - "Map of a resident of the Republic of Tajikistan", which is in pilot mode in Zelenodolsk. How he stated at the opening of the project, the task is to transfer 90% to the non-cash sphere monetary turnover After a card receive 72.5% of the population. But the base of this project is foreign: "Map of a resident of the Republic of Tajikistan", which is released by Sberbank and Ak Bars, issued on the MasterCard platform. For comparison - in Bashkiria "Map of the resident" will be produced already on the basis of the world. The press service of Sberbank emphasized the independence of the project. The main dignity is quick and convenient access to social, medical, transport services, as well as payments. "It is the advanced feature card (besides banking service) attaches a special value of the map, "said the" Sber "in the press service of the Tatarstan office.

Gref implements another project - "Map of a resident of the Republic of Tajikistan", which in the pilot mode runs through ZelenodolskPhoto: "Business Online"

"Always when the laws of competition are violated, risk arises"

For comments "Business Online" addressed experts.

Anatoly Aksakov - Chairman of the State Duma Committee on financial market, President of the Association of Regional Banks of Russia:

- In my opinion, the "World" system is needed, this is a matter of national security and the possibility of calculations, payments of Russian citizens of the budget sector. At the uncomfortable sphere, the state does not have the right to somehow affect. We already had precedents with a state deputy pressure when Visa and MasterCard actually stopped customer service, and they made it illegal.

As for competition, this appearance of another strong and high-tech player on russian market. This should be a developed system that meets the most modern requirements in terms of technological, quality of service. We will have their own system that will compete with Visa, MasterCard and other international payment systems. I think there are no minuses, just with the transition for someone it will be inconvenience at first. From July 1 current year Until July 1 of next year, all state employees will have to go to the use of this card if they receive salary, or other payments from the budget to their accounts - only in this problem. And everything else, in my opinion, will only give a plus.

Pavel Medvedev - Financial Ombudsman:

- I really hope that difficulties will not arise. Although the situation is anxious, such a Soviet situation, when "happiness" is imposed on ... Always, when the laws of competition are violated, a big risk arises. Maps are issued different banksAnd banks can deliver those or other conditions. And I really hope that because the maps are introduced on political considerations, there will be no cunning in connection with their release.

A few years ago there was such a grand program. It was done - every citizen was given the right to receive money on the bill that he liked, and before that there was no such thing, solved the enterprise where to translate money, if he did not receive anything at the box office. This is such freedom to man was given, and it was considered a great achievement. Better when the competition works when, if you didn't like something, you said to your jar: "Sorry, I will go to the next, I don't like your card, I will go and get another."

I think that cards have already been released two times more than the population of the country. Another thing is that they are not all currently operating. Cards have become a real instrument in the hands of citizens, and not necessarily rich, but the simplest. But the simplest remove money from the card and pay in the cash store, and more advanced people use cards to pay in the store and on the Internet.

Victor Sostsov - Chairman of the Board of Directors of the Association "Electronic Money and money transfers»:

- With the map "Peace" there is only one, say, the problem - you need to distribute millions of cards. This is a certain logistic task - distribute cards, change contracts for payments. This is such a work that shifts on banks. There are no other options for other options, because this is the law, but it is not anywhere to go away. One more step is to ensure the reception of the World Maps in all ATMs and outlets. But this is already done, this is also a technical period of flashing terminals. From the point of view of the plastic card market, it is clear that it will pull the piece from Visa and MasterCard.

For foreign use, active efforts are accompanied so that the World Maps can be accepted at all points and ATMs, where Visa, MasterCard or China UnionPay are accepted. When this process is more or less completed, the maps of the World Maps will be approximately equal to the acceptance of cards of international payment systems. It is hardly a fast process. But if there is a big audience, if it is economically justified, then this question will be resolved. Although there were precedents of local maps in France or Germany, which are not accepted by international payment systems. Whether the world map will become an international payment system, it is impossible to say, because it depends on how much money, political will and resources will be in the project. You can do everything, but how much the shareholders of the NSPK will be ready to invest in this funds, I can not say this is not my decision.

The card is released 75 banks (in total in the country they are now 623, and operations with cards lead 439 banks)Photo: Alexey Filippov, RIA Novosti

The advantages of the World Maps will be visible in the case of tightening sanctions

Natalia Milchakova - Deputy Director of the Alpari Analytical Department:

- According to data provided in the media with reference to the analytics of the Central Bank, the volume of the market credit cards In the Russian Federation in monetary terms in 2016 decreased to 999 billion rubles. Today, the plastic card market is divided among themselves mostly Visa and MasterCard, and the share of the Mir payment cards is less than 3 percent. Provide all state employees "WORLD" cards are real, if the largest will connect to emissions of these cards russian banks - Sberbank and VTB. But while the banks are quite careful in the issuance of the "World" cards, as there are no significant advantages from the Russian payment system before international. There is a significant advantage in the field economic securityThat is, the national payment system is protected from sanctions. But when this risk occurs, it is no less difficult to predict than to predict the occurrence of turbulence in the clear sky with excellent weather. Therefore, in our opinion, the state of too much in a hurry in the translation of all state employees on the card of this system.

Difficulties may arise with the fact that until October 1, small shops, especially in small cities, will be difficult to update the terminals for the calculation of the cards of the new payment system. The same can be said about small online stores. It is not clear whether the maps of the Russian payment system will be accepted abroad - and if there will be, then where and in which stores they can be calculated? In addition, an important obstacle is the psychology of citizens who are difficult to change their habits overnight. We believe that in the next two or three years, state employees who will begin payments on the World map, will still be using the maps of other payment systems to which they are accustomed. But it will allow to revive the plastic card market.

We believe that the share of the World Maps on the market in one or two years will grow several times, Visa and MasterCard maps will succeed a little. But completely displace them will not work, because international payment systems and their products have long come true in Russia, people know their competitive advantages, they are accustomed to them. The fact that the World Maps will take a leading position in the market, it will be possible to speak only in a very long-term perspective, and then something serious should be happening for the onset of such an event - the tightening of sanctions or care for some reasons for international payment systems from Russia .

Alexander Prongigin - Vice-President of CBER "Bank Kazan" LLC:

- The release of the World Maps is very quickly gaining momentum. The "World" project started in a short time, and the likelihood of what they will be observed. Like any innovation, the mass emission of the "World" may in some cases cause a negative reaction, although, in our opinion, the transition must pass as much as possible and comfortably, and the holders will appreciate the advantage of this card. The expert and banking community sees the potential for the development of a new payment system. The likelihood that the World Map will gain wide popularity in the country. If we speak in general about the bank card market in the country, then the issuance of the emission of cards began to grow at the end of 2011, and in 2016 and now the dynamics are quite smooth.

Bogdan Zvarich - Analyst Group of Companies "Finam":

- While the number of "Peace" maps, in my opinion, is insignificant, as well as the volume of operations on them. However, given the initiatives on the transfer of budget salary projects This system, it is possible that in the near future, the increase in the number of issued cards will accelerate, but this will lead to the need for an urgent release of a large number of cards, which creates a serious problem for banks. On the one hand, they receive a peak load on issuing cards, as a large volume is necessary. On the other hand, these cards must replace the already released cards of other payment systems. Both factors are negative for banks, and they attempted to postpone or stretch the input time of this rule for a longer period.

As for the benefit for banks, with the advent of the "Classic Privilege Card" and "Classical Privilege Card Plus", banks will be more willing to issue the World Maps. Both cards for banks will be more profitable at the expense of a higher interbank commission, as a result of which banks-issuers will receive a larger amount of funds in the calculations of this card at points served by other banks.

At the same time, we expect the further development of this payment system and an increase in its share in the market. This will be facilitated by both initiatives for the transfer of state employees on card data and change of tariffs. It is worth noting that the initiatives at the level of this certainly give certain advantages for the World Maps. However, it is necessary to take into account the fact that this is a new system, which is still far from development at the Visa and MasterCard level. As a result, this initiative will contribute to its development, however, for more significant results, "the world must be published on the international arena - the adoption of cards abroad can contribute to the growth of demand for these cards.

Map "Peace" - our, Russian development, all operations are carried out in the country. It does not depend on the functioning of international payment systems, which is especially important in the face of anti-Russian sanctions and instability of world politics.

The national payment card makes it possible to fulfill all the familiar operations: to shoot and make money through ATMs, pay for purchases and services, including on the Internet. It meets all Russian and international security standards.

Maps "World" produce all the largest Russian banks, including the Bank "Ak Bars". ATMs are ready to work with her throughout the country. By June 8 of this year, more than 76 thousand cards were issued in Ak Bars. Of these, 29 thousand were issued within the framework of salary projects for employees of the budget sector, and the rest for individuals, including recipients of subsidies.

The first on the World Map transition employees of budget spheres

The large-scale process of the phased translation of the budget payments to the National Maps "Peace" began July of this year. Maps in the framework of salary projects Issuable new employees state Structures, including teachers, doctors, employees of government agencies. During the year - by July 1, 2018, all employees of the budget sector will receive all employees of the world.

Conditions for servicing the World Maps withstand Competition with other payment systems. For those who do not want to make a map for any reason, the ability to receive wages in cash or bank account.

Map "Peace" for pensioners

They will be issued a map "Peace" and pensioners. Those who first appeal to receive a pension from July 1, 2017 and will want to receive money on bank cardThe world will be issued. For those pensioners who now enjoy cards of international payment systems, there is a gradual transition to the "World" card as the current card expires. Complete this process is scheduled for July 1, 2020.

It is convenient to use "plastic", but if someone gets a cash pension - then it can further receive payments through the bank's office or post offices.

Conditions on the "World" cards in Ak Bars Bank

For employees of budget spheres, students and retirees, mapping "Peace", special conditions are provided - free release and reissue of the card new term Actions, cash withdrawal in their ATM network without a commission, in an ATM network of third-party banks throughout the territory of the Russian Federation within up to 50,000 rubles. a month without commission.

Loyalty program from 10 to 15% CashBack

The Mir Payment System develops its loyalty program, which is based on CashBack - that is, when paying for the purchase of the World Cart, you can get a part of the money spent. The average size of such a return will be up to 10 - 15%. The World Loyalty Program plans to start the autumn of the current year, it will be available to all the holders of the Russian payment system maps.

In the future, the list of opportunities of the world map will expand, and it will be even more convenient to use it.

Photo: Photo provided by the press service "Ak Bars" of the Bank

General License of the Central Bank of the Russian Federation 2590 dated August 12, 2015.