What is a debit card. Debit cards "Sberbank of Russia": What does this concept mean, how to use, reviews offered by the bank. Main types and classification of debit cards

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Want to get real bonuses in the form of money? Then this article is for you. We will talk about debit cards, find out what it is, we bring arguments for their use. Consider a review best cards With a percentage of the residue and cachek. Let's give advice to use and choose.

1. What is a debit card with simple words

Debit card (English. "Debit Card") is a plastic map of a particular bank that is tied to the holder's account. It can be paid in stores, remove cash in ATMs, pay online payments (communal, Aliexpress, online shopping)

Basically, all debit cards are registered. Each has a specific validity period, after which it is automatically blocked. As a rule, banks make a reissue for free.

Since the map is tied to bank account, then remove more than you can not. However, the score can still be taken in minus. For example, when paying for SMS notifications, writing off monthly or annual service, as well as with removal of money from ATMs of other banks.

For ease of use, SMS notifications (SMS-banking) are almost always connected. This service is voluntary. Its cost is usually 60 rubles per month. Thanks to SMS notifications, you can follow the balance. It greatly increases the security level of your funds.

To remove money in ATMs or payment in stores you need to enter a PIN. He knows only the owner. Even the bank employees do not know this number. It can not be informed by anyone.

Holder debit cards It seems access to the Internet account, in which you can watch reports, send money by interbank translation and so on.

2. What does a debit card look like

A debit card is a piece of plastic dimensions of 54x86 mm with rounded edges. The front side contains the following information:

• Unique card number. In the name it consists of 16 unique numbers. U dischanted from 18. The number is not secret information and can be seen when paying in various services.
• The name of the holder (written in Latin)
• Term of the end of action (month and year)
• A type payment system (Visa, Master Card, World)
• PAYPASS icon. This allows contactless payment. In most cases, banks produce cards with such an opportunity.

3. What is the accrual interest on the residue

There is a class of debit cards that accrue interest on the residue. This is an additional pleasant bonus holders. However, not all banks are so generous. The percent size can be changed periodically depending on the key rate of the Central Bank.

On all means that interest will be accrued in the account. In fact, the debit card will be a contribution from which you can always withdraw money without percent loss.

For example, the percentage on the residue is 10% per annum. You have replenished your account of the 1st day of the month per 100 thousand rubles, and the 27th of this month they removed all of these 100 thousand rubles. In this case, at the end of the month you are charged 739 rubles. This amount is 27 days: 100000 * 0.10 * 27/365.

Accruals accumulate daily. You can put the amount on my debit card every day, then output the next day, then put again (every other day). As a result, you are charged percent only for a half months of 15 days.

There are debit cards that offer very high percentages to the residue. They are equal to average percentage, like full-fledged bank deposits.

All money on debit cards is insured under the ASV Program (Deposit Insurance Agency). Therefore, if the bank will select a license, you will receive the entire amount, but not more than 1.4 million rubles.

4. What is Cashback on debit cards

There are different options with calculating cachek on debit cards. Only a small part of banks charge it.

The idea of \u200b\u200bcachekka in the following: You pay the purchase of a debit card. On the spent the amount at the end of the month, some percentage is returned. For example, Tinkoff and benefits are 1% for all purchases.

Many banks are calculated cachek only on some categories of goods. For example, air tickets, cosmetics.

The benefit of receiving cachek is obvious. In fact, you do not care anything returns 1% from all purchases. If you pay a card without a cachek, then no payments will receive.

5. Top debit cards with interest accrual

Each Bank has various debit cards. However, few who offer their customers the conditions with interest accruals, cachek and free maintenanceBut nevertheless there are a couple of options. Let's consider such offers on the market

5.1. Debit card Tinkoff

5.2. Debit Card "Use" (HomeCredit Bank)

The debit card "Benefits" from HomeCredit Bank appeared relatively recently and immediately became one of best offers On the market. Map class "Platinum". Consider in the table all the features of "benefits"

The debit banking card of HomeCredit Bank "Poland" is one of the best offers in the market. We recommend it to arrange to everyone who wants to effectively manage money. In 2018, she ranked first among users.

One of the distinguishing features is that it gives cachek even when paying utility payments, the Internet, a mobile phone replenishment.

6. Main types and classification of debit cards

Each card has a payment system on its base. They are not so much:

• Visa International (most popular)
• MasterCard (Second Popularity)
• Maestro.
• American express
• PRO100

In addition, each of the payment systems has its own subspecies of the importance of cards:

• Electron.
• Classic.
• Platinum
• Silver

Debit platinum cards, GOLD is the "prestigious" themselves. They have the greatest number of opportunities. For example, on booking hotels, payment on the Internet, use abroad. These cards are the most expensive services.

7. Pluses of using debit cards

1 Convenient way to cash out. You do not need to go to the bank and stand up to remove a little cash. ATMs work around the clock and are located in many outlets.

2 allows you not to carry cash with you in the store, count all the trifle and so on. It is extremely convenient.

3 percent accruals on the residue. Given the accrual interest on the residue and cachek make debit cards to use not only convenient, but also profitable.

Imagine that you buy a tour to Europe worth 120 thousand rubles. Paying for this purchase of debit card benefit and you get 3,600 rubles (3% of the amount).

4 payment online. Many products are bought over the Internet. Bank cards one of the main payment options. Therefore, sometimes it is the only method of payment.

8. Debit card protection and safety

Previously, all bank cards were protected in the form of "protective tape". But this is an outdated technology that has not been applied anywhere.

At the moment, all manufactured bank cards have a special chip, which is much less common and has a higher degree of protection.

You can only withdraw money from a debit card. Only a completely knowing its data: the name of the holder, its number, validity period and the CVC security code. If someone learned this data, it is recommended to block your card, otherwise there is a high probability of theft of funds from it.

When removing money from an ATM, protection occurs input PIN code. It must be thoroughly hidden and not shown anyone. The attackers can fake card data and cash it out, but for this you need to know the PIN code.

Many know about these moments, but still become victims of fraudsters. Almost all the embezzlement occur due to gross security rules.

9. Answers to Frequently Asked Questions

9.1. What is the difference between a debit card from credit

The credit card differs from the debit primarily by the fact that its main purpose is the ability to quickly take money on credit. The bank released the card makes it possible to pay for purchases with a limit of some amount (usually it is up to 100 - 200 thousand rubles). This grace period is given during which it is possible to repay this debt without paying any percent.

The grace period has its own period. Usually this period is from 30 to 60 days. In case, during this period, the loan will not be repaid, fines and interest are accrued. They are quite large. Therefore, it is better not to bring before.

With a credit card, there is no possibility to remove cash without percent, unlike debit card. If you still remove them, then the Commission (3-5%) is immediately written off.

Seemingly a credit and debit card do not differ anything.

9.2. What is better - credit card or debit

The debit and credit card has different destinations, so choose what is better difficult. If the goal to keep money on the map and pay it, then debit is more convenient.

If you need to buy something urgently on credit, then the ideal option is suitable credit card. It will take interest-free credit For a short time without extra hikes to the bank.

It is important to understand that it is extremely recommended to shoot money from a credit card! For this, large commissions are charged.

Overdraft allows you to pay for purchases for the amount of funds that exceed the balance on the map. In other words, you take a "credit", which can then be repayed.

The service "Overdraft" is far from every debit card. Usually it can be turned off to protect yourself from leaving "minus".

There are cards that allow without percent to go into minus for some time (usually 30-60 days). Credit is given for this period without any overpayments. However, if the agreed period does not pay off debt, the fines are automatically charged (and decent). It can thus be overpaying 3-10% of the initial amount of debt. Therefore, it is better not to joke with overdraft.

9.4. I lost a debit card what to do

If the debit card was lost, then immediately contact hot line With the bank, which released it and lock it. If it is in the hands of "craftsmen", they will be able to write off all the money from it.

The bank will remove the card, but most likely for some kind of fee, since the reissue is made due to the user's fault.

If the ATM "eaten" a card and does not return, then you need to contact the bank who owns an ATM. Most often, they are not returned and they have to be reissued after that.

See also video about debit cards

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Each self-respecting businessman should have a plastic card. It is not only confirming your financial stability. With a debit card, you can make payments in the most convenient way, including shopping on the Internet and carry out operations remotely. What is a debit card, why is it needed and how to choose a suitable plastic?

Debit card - what is such simple words

it payment card To perform various calculations by non-cash, as well as for cash withdrawal.

The main difference between a debit card from the credit lies in the fact that its owner can take advantage of only those means that are available on the residue. In essence, this is an electronic wallet analogue. Unlike real money The card is easier to store, and in the case of the loss, you can quickly block the bill and get a new plastic. If you lose a real wallet, unfortunately you will not have such an opportunity.

The difference of a debit card from credit

By mistake, many do not distinguish both of these plastic, calling a debit credit card. But the difference is also quite significant.

As we have said, only those money that you yourself put on your account are stored on a debit card or who have been translated.

The bank's funds are stored on the credit card. Perhaps the storage and personal means of the card holder. But mainly it is intended for receiving credit money. Return of the loan is carried out, as a rule, taking into account interest. But in our time, many banks install preferential periods. During such a period, you can use credit money without paying any percent. This is the same thing that take a borrowed from a friend.

After repaying credit funds, the limit is renewed, that is, you can again use borrowed money.

Types of debit cards

Despite the fact that the principle of operation in these cards is identical, there are still a few varieties of such plastic.

• With free maintenance. The simplest cards, in most cases have some limitations. For example, the inability to use them when calculating over the Internet.
• Cobranding cards. These are plastics produced on behalf of any company. Owner B. this case Gets discounts and bonuses, hoping in partner stores.
• With interest accrual for the residue. The name speaks for itself. At the end of the payment period, the user receives a percentage of the remaining funds. This amount is usually kopeck. But if there are a lot of funds, the final percentage can be quite significant.
• With Cashbek. This means that the owner is returned with a certain percentage of cash, which were spent during the current estimated period.

Some cards give additional bonuses

Also debit cards are divided depending on the payment system. We list the most popular in Russia:

• MasterCard;
• Maestro;
• Visa;
• American Express;
• The world is Russian cards whose work does not depend on the situation in the world;
• PRO100 - payment system created by Sberbank.

Also these products are characterized by tariffs and design. Therefore, before making an order in a particular bank, check out the conditions.

How to get a debit card? Step-by-step instruction

To make plastic makeup, you have a lot of time, it is better to know the main steps that should be performed in advance. Offer detailed instructions For anyone who wants to become the owner of a debit card.

1. Choosing a bank

This is the most important stage, which depends on the ease of use of plastic, accrual interest or commission for removing funds in an ATM.

When choosing financial institution Pay attention to the following conditions:

• commission for maintenance of the card and its design;
• bonuses;
• cachek;
• accrual interest on the residue.

If you doubt the trustiness or benefit of the bank you have chosen, it is better to slow down to slow down the process of plastic design. The fact is that if the service does not suit you, and you decide to close the account, in most cases it will have to pay.

1. Registration of the application

Many institutions make it possible to fill out the application directly on the site. But you can always contact the nearest office. credit organization.

Information, as a rule, includes the name of the owner, passport data, date of birth, address of accommodation and regulations, telephone for communication, currency of the map and payment system.

1. Preparation of documents

If the application was issued on the site, then submit documents will still have to. To do this, you will need to send electronic copies. As a rule, these are pages of passport passports with photography and registration. But they may be asked to send other papers.

1. Receipt of plastic

On the appointed day you will need to visit the Bank's branch and pick up your card. Many banks send plastic by mail. Together with the map you will receive an envelope with a PIN. It is recommended to remember immediately and do not wear an envelope. Otherwise, in the case of loss or theft of the handbag, the wallet before the attacker will appear all the necessary information. And perhaps you will not even have time to block the card, as the funds from the account will be removed in full.

1. Using a transaction card

Before you start using plastic, you will need to activate it. This can be done in various ways:

• on the bank's website;
• in an ATM;
• in the department;
• by phone.

During activation, it may be necessary to specify the PIN code as well mobile phone. Only after the bank's employee confirms that the card has earned, it is possible to start its use.

Plastic card - very comfortable tool Calculations

In fact, nothing complicated in receiving a debit card is not. However, if you have any questions, you can always seek help in a bank organization or ask your question in the comments under our article.

Plastic cards, in common "credit cards", have long ceased to be innovation for many, allowing you to safely use them both for non-cash and cash calculations. In this article, we will consider in detail what a debit card is what its main advantages and how it differs from other card products produced by various banking institutions.

Purpose of the card, its main features

The debit card is a payment tool that can be used to carry out cashless payment of goods and services, as well as cash removal at any convenient moment.

In practice - it online walletwhich is always at hand.

Here are contained cashwhich belong exclusively to its owner. In other words, a debit card does not imply attract borrowed money Bank creditor and, accordingly, making payments and pay interest. Open debit or settlement card Maybe anyone, regardless of which age category, it refers to. For example, if we are talking about Sberbank's card product, then it is allowed to design even for a seven-year-old child.

Card service, as well as cash issuing, can be paid and free. Registration, as a rule, does not take much time. It implies the provision of only two documents - passports and questionnaires applications for receipt. There is no need to submit references confirming income, as well as official employment.

Today on the market banking services There is enough suggestions on debit cards. Each of them is worth considering. The main difference is in service conditions.

Apply a debit card as a piggy bank

Despite the obvious profitability of the acquisition of this card product, not all potential bank clients hurry to make a card as quickly as possible. Neon understanding often arises due to a shortage of information, which is what it is for what, in fact, a debit card is needed.

Above, we have already talked about the purpose of the map, but did not mention the most important thing - this is the possibility of using "plastic" as a savings account, a kind of piggy bank, whose account remains steadily accrued interest. Today you can find offers of credit institutions where the annual interest rate 10% reaches the balance of funds.

It is not bad, especially when it comes to passive income. Here I would like to mention the advantages of a debit card before deposit contribution. The latter, as you know, suggests sufficiently strict conditions regarding the issuance of the contribution at any time. As for the debit card, it is possible to make money here, regardless of the terms and conditions of the contract. It is very convenient, especially considering the fact that the source of funds is always at hand.

Salary, pension, social cards also relate to debit cards.

Their owners have the right to count on receiving additional income. To do this, contact the representative of the Bank, which serves the card, and learn about the current proposals on a specific product.

Classification of debit cards

Typically, debit cards can be classified by the name of payment systems. This is the usual "visa" / "Mastercard" / American Express. Their main difference lies in the capabilities available for the owner. This can include service both inside and outside the country, payments for purchases and services in virtual stores, participation in various promotional programs, privileges for individual categories of customers. Service cost, as well as other conditions individual for each product.

Overdraft capabilities

Despite the fact that the cardholder is available exclusively to own funds, it is allowed to be borrowed from a credit institution without resorting to an additional collection of documents and visits to the bank. The Overdraft function can be connected to the existing debit card at the request of the client.

Overdraft is a permissible bankruptcy for funds on a map, which is repaid due to regular cash charges on the card.

In other words, this is the same loan, only for a smaller amount and time. Terms of registration are different - depends on the credit institution. The amount of overdraft provided can reach 30 thousand rubles.

What you need to be guided when choosing a card

Looking through the Internet Pages, pay attention to the following points:

• The release of plastic cards is made according to two types - with microchip / magnetic ribbon. It is advisable to choose the first version of the card product, since the magnetic tape has the property to be stitched. This can cause additional troubles - card reissue, hike in a bank and unforeseen expenses. Map with built-in microchip - a fairly reliable product, which is provided additional feature protection.

• Service cost for the year. Indicators for the possible amount, as a rule, depend on the type and payment system of the card. Standard debit cards are less expensive in this regard. The price varies within 1 thousand rubles. For the annual use of gold or platinum card You have to pay much more. Here, the cost of service can reach 4 thousand rubles. For this type of card products are characterized by their attractive privileges.
• Option "Ovyadraft". Some maps are initially issued with a connected service. Given this, pay attention to the order of interest accrual, since it can be daily in nature. If the conditions for providing an overdraft do not suit you something, it is better to arrange an additional credit card.
• Accrual interest on the balance on the map. Indicators may vary from 2 to 10%. Of course, choose the most favorable option.
• Removing cash in ATMs of foreign banks. Here, the commission fee can be assumed or a limit is established, according to which it is possible to remove a certain amount of funds for free, even if we are talking about a "foreign" ATM.
• Availability of remote control over the movement on the map (Mobile Bank / Personal Cabinet / Various Applications). It is very convenient: especially when it is not possible to personally visit the Bank's institution.

Bank cards are becoming increasingly distributed and it is difficult to now find a person who would never use them. However, by ignorance, many all plastic cards Called credit cards, but not all cards allow you to use bank money. Such errors in the name arise from the fact that even the holders often do not know what a debit bank card is and how it differs from the credit bank card. Consider the easiest option - a debit card that does not allow you to take loans from the bank, but makes it possible to carry out non-cash payments with funds from your account.

Debit card - what is it?

The debit card is a payment tool that is used for cashless payment of various goods and services, while the means that the user (or his employer, if the salary card) was credited to the account. Such a card does not allow you to take a bank borrowing bank automatically when paying for anything. If you explain the concept of a debit card what it is simple wordsYou can conduct an analogy with a wallet where the means stores. This is the same, only for payment you do not need to take bills, it is enough to carry out the card through the terminal.

The favorable difference of such a card from the credit is that you can make money on an account once - it does not require monthly payout and compensation as a percentage for the use of bank funds.

You can start using a debit card at age 14. This service provides many banks to citizens of Russia. Usually, in order to open an account and make a debit card receipt, it is not necessary to even bring documents confirming solvency, as well as various references, etc. Only passports and statements to open the card. Before contacting the bank in order to order and get a card, we recommend reading the official websites with the terms of receipt, maintenance and other important cards for the institution.

Why do you need a debit card?

The main advantage of ownership of the card is convenience. No longer need to carry large sums money. In addition, if you have a debit card payment system of a visa or mastercard you can easily pay with its help not only in Russia, but also in most foreign countries.

Another weighty advantage is so hard to lose money. The attackers will not have enough to steal the map to take advantage of your means. When paying through the terminal or an ATM, you will need a PIN code, and to make payments via the Internet (if the card supports such an opportunity) to buy something for your money to attackers will prevent protection using 3D-Secure technology. And with the loss, you can easily block the card by calling the bank's office.

Some open debit cards to accumulate funds. Many Russian banks provide a service percentage to the residue. This means that depending on the amount that remains untouched on the client's balance sheet, the bank will accrue a certain percentage. Such cards can be considered an alternative to the standard bank deposit.

The first cards are usually debit punctures for charging. social benefits, pensions, salaries, etc. it convenient way Get and spend earned funds. Many of these cards provide service for free.

Types of debit cards

The main difference between all debit cards lies in the payment system, which serves them and in which all calculations are carried out. There are 4 main:

• Mastercard
• Maestro.
• American express

It is worth noting that the greatest popularity in Russia enjoy the payment systems of the first two payments. There is no significant difference between them, they differ in the currency of the internal calculations (which will be important only when you need to make a purchase abroad): US dollars for visa and euro cards for mastercard (if the payment is manufactured in the eurozone). Because of this, the conditions for making payments abroad can be a little different. Also different shares and bonuses that systems provide their customers.

Plastic card is a convenient payment instrument that almost every resident of our country enjoys. But many have accustomed to call all their "credit cards", although it is a big mistake, because the cards can be debit, that is, without the possibility of using bank borrowed funds. So far, because not everyone knows what a debit card is and why it is needed, it makes sense to consider this topic more.

What it is

The debit card is a payment instrument designed to pay for goods and services in stores and on Internet resources, as well as cash removal in ATMs. In essence, this is an electronic wallet that replaces the usual bills and coins. Their peculiarity is that its owner is disposed of exclusively by its own funds, That is, without attracting credit funds of the bank. Accordingly, it does not need to make mandatory monthly payments, overpay interest.

This banking product is available for any age category, that is, becoming the owner. debit card can even a teenager since 14 years (the service provides Sberbank of Russia). It is easy to design, the potential holder does not need to collect references and confirm your income, it is enough just to present a passport and fill out the application to the questionnaire in the selected bank.

You can arrange this product in an absolutely any bank of our country, but each of them provides different services for maintenance.

Why it is needed

Not everyone fully understands what a debit card means and the more meaning it does not see. In fact, it is a useful product, with it, you can safely protect your savingsbecause you have to get the funds to third parties is almost impossible. In addition, with their appearance disappeared the need to take large sums with them.

In addition, it can be opened For the purpose of saving and accumulation personal finance . Some banks offer this product with the ability to accrual interest on the balance of funds. In this embodiment, the debit card will become an excellent alternative to the usual contribution.

And the last thing you need a debit card is obtaining wages, social benefits and pensions, scholarships. Those clients who participate in salary projects Banks have the opportunity to receive payments on a plastic card.

Types of debit cards

All plastic cards can be classified by the type of international payment systems, this is:

• Visa;
• MasterCard;
• American Express;
• Maestro.

Their distinction is only that each payment system offers its users different features. These include service abroad, payments for purchases and services in online stores, participation in bonus programs and other privileges. The cost of annual maintenance and other conditions depend on the issuer's bank.

Overdraft.

Surely not all users have a clear idea, which means a debit card with overdraft. It is not necessary to confuse this concept with a credit limit, because it is an individual service that can be provided by the Bank with the client's consent.

Overdraft is an overrun on the debit card, and simple words - the ability to use credit funds in the event of a lack of own.

This is also a kind of credit, with the difference that it is provided for a short time with interest accrual. The loan rate and payment time is individual, it depends on the condition of the contract between the bank and the client. Overdraft can also be limited, for example, its size can reach 30 or 50 thousand rubles.

Debit cards of Sberbank of Russia

How to choose correctly

Before contacting this or that bank to submit a statement, you need to carefully examine all offers. This can be done online on official sites, then send an application without leaving home.

What conditions to pay attention to:

1. Plastic cards produce two types with microchip or magnetic ribbon. It is wiser to choose the first option, because the magnetic tape is quickly erased, after which the map is subject to replacement, and this is a paid service. In addition, a map with microchip has a high degree of protection, it is impossible to use it to third parties.
2. The cost of annual services, it directly depends on the type of map and the choice of the international payment system. For example, the classic option will cost the owner within one thousand rubles per year, and the card with the Gold status will cost several times more expensive, but it gives many opportunities in the form of discounts and bonuses in different countries.
3. Overdraft. Undoubtedly, this is a useful service, it eliminates the holder from the need for an additional credit card, but pay attention to the conditions for providing overpowering, because interest for using borrowed funds can be charged daily.
4. The ability to accrue interest on the balance balance. It should be noted that the interest rate is low, but for those who intend to keep funds long term, it will help "cover" inflation.
5. Cash withdrawals, on banknotes is a paid service, and on debit for cash own funds The Commission should not be charged. This should be indicated in the contract. In addition, pay attention to the way in which ATMs can be removed money without additional overpayment.
6. Availability remote services, personal Cabinet On sites or mobile application help control the costs making use banking Product More convenient.

All service conditions need to be found out in the bank separation or by telephone hotline, on the Internet, especially on third-party resources information may be irrelevant.

Gazprombank debit cards

Today, almost every bank offers such a product as a debit card, which it is, of course, do not know everything, more precisely, not everyone understands why it is needed. But recently, many are obtained by paying and salaries through a bank card, which is also a debit card.