The meaning of the debit card. What is a debit card? What do you need to know about her? Classification of debit cards

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, this is an electronic wallet, which is always at hand.

It contains money that belongs exclusively to its owner. In other words, a debit card does not imply attract the creditor bank borrowed funds and, accordingly, making payments and pay interest. Open debit or settlement card can anyone, regardless of which age category it refers. 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 in the banking services market there are enough proposals for 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 on the balance of funds reaches 10%.

It is not bad, especially when it comes to passive income. Here I would like to mention the advantages of the debit card before the 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. The map with the built-in microchip is a fairly reliable product, which is provided with an additional feature of 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 the gold or platinum map will have to pay significantly 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.

According to the appearance of the card, there are practically vary. Ordinary plastic and only. These maps are easy to pay for goods in retail outlets, exercise online purchases and remove cash in ATMs. The confusion adds to the fact that in many states a credit is called all the cards in general, which is possible to pay. In addition, in the Russian Federation, we often see the inscription in cafes, restaurants, bars: "We accept credit cards", although it is meant that without a difference, what a bank card. But it is advisable to understand that, in fact, credit and debit cards are 2 different products. Of course, comfortable and necessary, although having a number of important differences.

Credit card. Minuses

1. Funds on the map are not yours, but are offered to you by the bank. Of course, you manage them at your own discretion, although later it will be necessary to return them. And if you return on time, it will not be necessary to pay% for the fact that we used the funds of the bank;
2. The credit card is much better to pay directly in shopping centers. For no benefits, including in the ATMs of your bank. With you all the same will take extra. %;
3. Even if you need to translate the means to a friend or a family member, to make it from a loan account through the Internet bank will be impossible. Also you have to look at not to miss the date of the next payment.

Credit services in our country provide a little over 15 years, the older generation has a habit of "live on credit" have not yet been rooted, as it took place with their peers in Western Europe and on the American continent. The final minus lies in the field of psychology, the advantages of the same cards are absolutely reasonable.

Credit card. pros

1. The monetary limit that establishes the bank, in most cases much more than you could have accumulated in a fairly small period or earn, and therefore it is possible to allow themselves significantly more both as and in the number of purchase purchases;
2. Having a credit card with him, you can be calm if trouble happens and urgent costs will be needed. There are also unplanned pleasant, such as a new phone or tablet that too want. If, let's say, your tourist trip is overshadowed by a lack of cash, and you still need to buy gifts and souvenirs, or your plane is delayed for some reason, the credit card will give the opportunity to purchase tickets to another liner and quickly get home, and then you can already understand With an unfair tour operator. So a credit card is not so many image plastic, but support in difficult life situations;
3. When cash is immediately needed, you do not need to ask for friends and relatives. And it is not so important if you are going to buy anything or will be required to be free - in all these situations it is possible to pay off debt throughout the Grace period, without paying%. It is the same as you would occupy your loved ones.
4. When you quit part of the card debt, your "thinning" was a credit limit increases immediately on the closure amount. In fact, you have almost unlimited shopping opportunities, because if you are redeemed a debt, you can again dispose of the entire amount provided to you by the banking institution. Currently quite simple. The wide range of proposals from various banks will delight those who want to raise bank plastic, but it is worth paying attention to the choice of the interest rate, the grace period and the credit limit of the card.

Debit card. pros

1. Cash on your card account, and you are free to dispose of them, as you wish;
2. There are practically no restrictions on the application of the card: it is possible to translate cash through, you can pay in the shopping center, the cabin, at the station, and it is possible to remove the ATM - this will not take you (when, naturally, the ATM "native" or affiliate);
3. You should not anyone: there are money on the map - excellent, no money - not very good, you will need to tighten the belt. Although tightening the belt is better than every day to keep in mind about every month payments and expect the debt to be repaid to live quietly peacefully.

Debit card. Minuses

1. It is possible to spend only the amount that is on the map: when unplanned purchase costs more expensive, it will be needed to come to the store again when the money will appear;
2. Relevant for travelers. Get a car for rent on a debit card will not be possible - exclusively on credit. If the credit is not, it will be necessary to make a deposit for a cash machine (from 500 euros), although these funds you probably need to be removed at the airport ATM, outstanding a hundred-hundred euros for one removal (and do not forget that you will take a commission for any cash withdrawal);
3. First of all debit cards - salary. What bank will you have and which card - solves your tenant, but not you. Salary cards are traditionally without additional discounts, miles and other joys of coobred cards, although they have every chance, of course, be elegant and in corporate style.

All cards look approximately similar, but, in fact, each has both the pros and cons who need to know and remember and correctly understand which of the cards is cheaper to use directly at the moment. Naturally, the terrible thing will not happen, if you pay the purchases not by that card. It is just useful to be a financially qualified person and understand what is more profitable for you and in what situation.

Today it is the fastest and most convenient way to get borrowed funds. For this it will not be necessary to even leave the house!

In the modern world it is difficult to submit a person who would not use bank cards. But, barely faced with the need to start "plastic", each of us chooses the type of card, and it is best to do it with the mind that does not listen to the operator who will issue you what is most profitable for him.

Usually bank employees offer clients three types of plastic cards:

• debit
• credit

Talk about the first.

What is a debit card of the bank?

To understand what is a debit card, you need to deal with the concept of "debit". The literal translation - "He must". This term in the economy means one of the methodological techniques of accounting. The "debit" plastic card is called because, from the position of the bank who issued it, the money that the client has on the map is debt, and every write-off of the funds of the cardholders reduces the debt of the bank to an individual.

Money lie on the current account that belongs to the card holder. Plastic is used for:

• shopping,
• payment services
• cash removal,
• translation of money to other persons through the map.

Feature debit card It is that the money that lie on the account, the client can use at his discretion at any time, because it is his money. Debit card accounts are legally equal to deposits, therefore the DR is protected.

But on the other hand, the card holder cannot exceed the amount specified in his expenses. This consists of a fundamentally important difference between a standard debit bank card from credit or overdraft.

Is it possible to leave in minus on the debit card?

Many banks today allow you to have a negative balance and debit cardholders. Most often, debt appears after the automatic write-off of money on the billing service "Internet Bank" and "SMS-Banking", service commissions. Sometimes debt may appear due to a foreign money conversion operation.

The unpleasant advent of debt can be the cashing of funds in an ATM in an ATM - in this case, the commission is debited, and the client does not always know about it.

The most common in Russia is debit card SberbankWith which you can pay housing and communal services and mobile services without commission.

The main types of cards in Russia.

Debit cards in our country are classified according to the payment systems attached to them:

• Visa International
• MasterCard Worldwide
• Maestro,
• American express
• PRO100.

Debit card - This is a convenient banking tool, which is an account with a card attached to it. In fact, it is a profitable alternative to cash.

With the help of a debit card, you can transfer money to owners of bank accounts of other banks, pay for purchases and receipts, remove cash.

Owners of bank cards receive other bonuses for use. The map takes a little place in the wallet, and you can keep a significant amount of money on her account.

The main function of the debit card is the storage of money. Some banks, attracting customers, offer accrual interest on the balance of funds. Current accounts are insured by the Deposit Insurance Agency up to 1.4 million rubles, so you can not worrying to replenish the score within this amount. On the account of the debit card, only the holder means are stored if the tools belong to the bank, this is already a credit card.

• Often, banks are published with the possibility of using credit money. The credit is connected only with the consent of the cardholder, studying the contract, it is worth paying attention to it. For the use of credit funds, the Bank receives interest. If the card does not have a preferential interest-free period, calculated by these money and you should not remove them in an ATM without much need.
• If there is no credit limit on the map, then the owner can use only its means that contributed to the current account. At the same time, the balance can still be negative - some banks continue to write off the funds from the account, for example, for maintenance or. A negative balance of a debit card may be formed in the case of removal of money in ATMs of third-party banks, the Commission is often charged for this.
• The debit card is widespread, since it enjoys employers and employees to accrual wages, payments for such cards, unemployment benefits, scholarships and other payments. You can get a map in the presence of a document certifying the person, while you can immediately arrange several debit cards in one or different banks, if it is necessary to the potential owner.

Types of debit cards

1. Debit cards belong to different payment systems. Mastercard (Basic currency - euro) and Visa. (Basic currency - dollar) are the most common systems. The basic currency of the payment system should pay attention to the need for currency conversion.
2. Reading information from a map using a magnetic tape or a built-in chip. Chip is a newer information storage method. Data from it is read faster than with a magnetic tape. At the same time, a card with chip is protected from fraudsters stronger than a magnetic map.
3. Availability of technology PayPass. This technology allows you to pay for purchases, without even removing the card from the wallet. The amount of transaction not confirmed by a PIN code or signature does not exceed 1000 rubles.
4. Debit cards can be registered or nonien. Noniencies are manufactured instantly in the bank office, nominal maps are most often prepared. from 7 to 45 days. The name maps indicate the name and name of the owner. Non-alien cards do not have such information outside, but, like nominal, carry this information in a chip or magnetic tape.

Debit cards may vary by appearance, service conditions, currency in which the score is open and other features.

• Competition among credit institutions is large, each of them attracts potential customers with advertising campaigns, favorable conditions, availability.
• Select a bank product among a large number of cards is difficult if you do not define priority parameters.

What debit card to choose

Benefits:

• On the balance of funds at the current account is charged up to 8% per annum.
• Free removal of money in any ATMs.
• 0,4% From the amount of payment of goods, the Bank lists to the accounts of charitable organizations.
• Cacheback on map from 1.5% to 10%.
• Free delivery to the apartment of the potential owner.

Benefits:

• On the balance of funds on the account account bank charges 7% per annum.
• Cash can be removed in any ATMs absolutely free if the amount is more 3 thousand rubles.
• Money transfers between maps are free with no more than 20 thousand rubles.
• Cacheback on the map is from 1 to 5% When paying for goods and services, and when paying for goods and services from partners of the bank Cashback reaches 30%.
• The card will deliver a bank employee for free during the week.

How to order

To order and get any of the two cards, only a passport is needed. Both cards over the Internet are drawn up, so there is no need to waste time in the queues of credit institutions.

Conclusion

The use of debit bank cards is convenient for payment of goods in ordinary and online stores. Maps are convenient and for storing money on travels, in order to avoid their loss.

Cash accounts are available at any time of the day and day of the week. In the event of a card loss or the emergence of controversial situations, specialists of the hotline will always answer questions.

• In order to avoid theft of money with a debit card by fraudsters, it is necessary to remember the security requirements that the Bank recommends that the Bank does not inform nobody to write it down, and remember by heart and other requirements.
• Debit cards are convenient to use, do not require special knowledge and accessible to every person. It is only worth the potential owner to determine the main features of the card to choose the appropriate bank product.

Debit card - what is the card? Amenities debit cards

What is it necessary, what does debit cards mean? What is the difference between a debit card from credit?

Debit card - is it for the card? Let's try to explain with simple words. Some call "Debit card", but right debit aboutwaaya - with an emphasis on O. to understand what a debit card means the difference between the debit and credit card will help. Order a debit card you can in the heading , There is a good choice, both debit and credit cards.

!!! DO NOT MISS:

Debit cards are intended solely to use their own funds. That is, a debit card is, what you put on the card yourself, those and use.

The debit card is not a credit, since the credit card gives you the opportunity to use the funds of the bank. This is the main thing that the credit card differs from the debit. But, there are several interesting nuances to use debit cards, for example, you can:

• make an instant online loan without leaving the house to the debit card (watch in the article about
• receive profit by using credit card
• use it to get
• accumulate
• use it For investment
• use for the withdrawal cryptocurrencies, translations, pay bills and much more

What does the debit card mean for you personally.

In essence, debit cards are your cash, only on plastic and in the electronic version. Having the Internet and debit card, you get a personal account and the ability to perform various transactions with money online through it, which becomes the necessary attribute of our time.

What is debit cards, we figured out. How to understand a debit or credit any card, now it will be easy for you. Consider a little as you can use a debit card.

Map debit it ...: how to use whether the money is insured?

The debit card is very easy to use. Debit and credit card are equally used, both in stores and when performing operations through a personal account, there is no difference. By the way, the online operations on the movement of funds on maps or electronic wallets are called transactions. If you come to the store and want to pay the purchase on the map, then ask the seller whether they receive cashless payment on the map and, if the seller responds in the affirmative, then calmly take everything you need and apply your card, again it does not matter debit she Or credit, the main thing is to know the pinkod if you were assigned to this map.

The money on the debit card is insured very conditionally. Much depends on the bank in which this card has been released. By the way, such a bank (released a map) is called the Issuer. So, much depends on the bank of the Issuer, so when you order a debit card, read the conditions. But, in any case, credit cards are insured everywhere much more reliable than debit, since they are money bank. But, if you compare with cash, the benefits of debit cards are obvious.

Having lost the map, you can call the bank and ask to block the map in connection with its loss or do it yourself through your personal account. In this case, no one can take advantage of your card, and you will come to the bank and get a new card with the same means. And losing cash or if they were stolen, where will you call and what to block? No one will help.

Debit Card This ... Types, Classification, Simple Words

Types of debit cards can be defined depending on which classification to use. Again, if you do not go into details, but to speak simple words, then there are:

• debit cards by mail without visits to the bank (these are instant debit cards),
• debit cards with an international payment system - Visa, MasterCard or American Express (can be paid in any country in the world).
• debit cards with a local payment system - the world, Sbercard (you can pay only the limits of the country).
• with a magnetic strip (standard). Inexpensive, but therefore, the influence of magnetic fields and information may be lost and the protection is weaker.
• chip debit cards, this is with additional protection against fraudsters.
• debit card PayPass. This is a card for which there is no need to introduce pins. The map is simply touching the terminal and it reads the information itself. Therefore, PayPass is called contactless technology.

• debit card with overdraft - that is, the opportunity to go into minus. Overdraft is a situation where the client spends more money than there is on the map, in this case it appears borrowed (credit funds) of the bank. On the presence of overdraft on the map, find out when ordering a debit card.
• debit cards with a percentage on the residue. These are quite profitable debit cards with interest accrual on the balance on the map.
• debit free cards are cards without paying service.

How to order a debit card. Order online and in the bank.

Internet users often ask how to buy a debit card and where debit cards are made. We want to clarify that debit cards do not buy in the usual sense of the word. They are issued or ordered. Debit cards can be ordered online, the benefit that the availability of the Internet allows you to implement choosing a debit cardwithout leaving home. Here (see link) You can watch the best debit cards.

From this information, you will learn what debit card is better to arrange and be able to order the debit card beneficial for you. Some of the maps will arrive home to you yourself and you will not need to go somewhere behind them. Give them to the courier, absolutely free, at the expense of the bank.

In addition, you can come and make an order directly in the bank nearest to you. But, this is not the best option, as you can only spend time. After all, the debit is very different, there are those for which you charge cache and interest on the residue, and the guarantees that in the bank where you will come will be the options you need, no.

A credit and debit card is that for the cards, what is their difference in simple words - we hope that we could explain to you.
You can, it now depends on your preferences. You have the necessary information. Successful card design!