Union pay card where to issue. UnionPay bank card in Russia is an alternative to Visa and MasterCard. Credit card of the Bank Russian Standard payment system UnionPay

Visa and MasterCard are the most popular in our country. But not everyone knows that there are other international payment systems. Let's consider what kind of a Unionpay Gazprombank card is, why it is needed, its features and conditions.

Unionpay in Gazprombank - what kind of card

Unionpay is the national payment system of China.

Union Pay cards allow you to make purchases anywhere in the world, as well as on the Internet.

In terms of functionality and capabilities, they are in no way inferior to Visa and MasterCard.

Why you need a Unionpay card depends on its type:

• Settlement - for making non-cash payments, online settlements, cash withdrawals.
• Credit - for using the bank's borrowed money within the provided limit.

Gazprombank issues three Unionpay variants:

• Classic;
• Gold;

Unionpay can be ordered separately or opened as an additional to any bank card payment system.

Unionpay Classic card

Gazprombank is one of the few who issues financial instruments payment systems exotic for our country. We will find out how much the Unionpay Classic service will cost, how much the owner will pay when deciding to withdraw cash from an ATM, and what are the advantages and disadvantages of the PS.

Terms of Service

Opening an account with Gazprombank is free of charge. You will need to pay for the issue (in rubles):

• 600 - for a card valid for 1 year;
• 1050 - 2 years;
• 1000 - additional payment for registration according to the accelerated procedure (for 3 days).

Price additional card is 540 and 1050 rubles. respectively. Re-issue after the expiration of the validity period is paid: 450 and 900 rubles. Re-issue due to changes in personal data or demagnetization of the tape costs 150 rubles, in case of loss - 450.

According to the terms of use, it is possible to withdraw money from an ATM without a commission from the Gazprombank Unionpay Classic card, pay for purchases and services, incl. online, make payments on loans, and fund your account. Transfers are performed at the following rates:

• Inside Gazprombank: 0%;
• To accounts of a third-party issuer: 1.5%.

How to withdraw money from an ATM

To withdraw money from an ATM from a Gazprombank Unionpay Classic card, you need to pay a commission:

• 0% - in Gazprombank devices;
• 0.5% - at partner ATMs;
• 0.5% or 150 rubles. - in the devices of third-party banks. The latter may additionally charge a fee according to their tariffs.

If it is necessary to withdraw money at cash points, according to the terms of Gazprombank, a fee of 1.5% is charged.

The limits for the operation of withdrawing money from the card are:

• Per day: 150 thousand rubles;
• Per month: 1 million

Privileged Unionpay cards

Union Pay also offers higher status cards for individuals who want to emphasize their position and get more privileges from using a banking product.

Gold

The main advantage of the product, in comparison with Classic, is the receipt insurance policy for citizens traveling outside the main place of residence. The policy is issued by the SOGAZ company and has a security of $ 100 thousand.

Under the terms of Gazprombank Unionpay, gold has higher withdrawal limits:

Commissions for transactions correspond to the Classic category.

The cost of issuing a Union Pay gold card is (in rubles):

• 3500 if its validity period is 1 year;
• 7000 - 2 years;
• 2800 and 5600 respectively - if you cancel the insurance policy.

Platinum

According to Gazprombank's terms, Union Pay Platinum can be obtained only within the framework of premium service. At the same time, it is allowed to issue up to 3 additional Platinum or any level.

The cost of the issue is equal to 15 or 25 thousand rubles, depending on the life of the plastic. The money paid includes 4 cards and a set of premium features and services.

Premium customers receive the following privileges:

• Personal manager;
• Separate telephone line for calls;
• Travel insurance policy for 300 thousand dollars;
• Special offers for insurance products;
• Improved conditions for brokerage services;
• Special rates for currency conversion operations;
• Concierge service;
• Medical and legal aid Abroad.

The last two services are provided for a small surcharge. performed by Gazprombank partners.

The main advantage of platinum Union Pei is increased limits for cash withdrawals at cash desks and ATMs - 0.5 million rubles. per day, 3 million - per month.

Why do I need a Union Pay card at all

It's no secret that when paying with bank cards abroad, you can significantly overpay for conversion, especially if your account is opened in rubles, you need to withdraw money from an ATM at national currency country (or make a purchase) where you are located, and it is different from dollars.

In this case, MasterCard or Visa is converted twice - your money into dollars, dollars - into the required currency. At every stage, you lose commission. Union Pei avoids this by performing the conversion once (in the case of yuan) - this is main reason Why UnionPay from Gazprombank is needed. In this context, it can be classified as one of the most.

But for those who do not often visit China or withdraw money in yuan, it makes sense to issue payment instruments of the usual PS. the service process has been debugged over the years, in Union Pay often fails in our country, as evidenced by user reviews.

Conclusion

According to the terms of use, the Unionpay Gazprombank card complies with international payment instruments, providing similar opportunities. Commissions, service costs and other tariffs also do not differ from the parameters inherent in Gazprombank cards of other PS. Suitable for those who often visit China, withdraw money from an ATM in yuan or pay with it.

MTS-BANK Eurofinance Mosnarbank payment system UnionPay

China card - China UnionPay

Payment system China UnionPay (CUP) is the national payment system of China, created by the initiative of the State Council and The Central Bank PRC. Created in 2002, the system is being systematically promoted all over the world, but UnionPay cards are in high demand in regions with close trade and economic ties with China. Today, China UnionPay unites about 300 credit institutions in China and abroad. Currently, the China UnionPay system already serves 4.3 billion cards, which are accepted in more than 140 countries and issued in 30 countries around the world.

The logo of the China UnionPay (CUP) payment system, which is necessarily present on its cards, looks like this:

China UnionPay payment system logo

According to expert estimates, in 2012 there were more than 3.5 billion CUP bank cards in circulation, which were accepted by trade and service networks in more than 50 countries and served at ATMs in more than 79 countries of the world, including Russia. And by the number of issued plastic cards UnionPay payment system is considered the largest in the world. Experts characterize the number of cards in circulation by the world's leading payment systems in 2012 with the following approximate data:

1. China UnionPay (PRC) - 3.5 billion. PCS.
2. VISA (USA) - 2.2 billion units
3. Mastercard (USA) - 1.9 billion pcs.
4. Diners Club (USA) - 0.107 billion.
5. JCB (Japan) - 0.08 billion units
6. American Express (USA) - 0.07 billion units

Number of cards in circulation

Share of all issued cards in the world

But in terms of the revenue received, the China UnionPay payment system takes only 5th place so far. Revenue from major international payment systems for 2013 looks like this:

Revenue in 2013

Payment system China UnionPay (CUP) in the Russian market

On Russian market China UnionPay bank cards first appeared in 2007. Since then, UnionPay cardholders have been able to receive cash cash at ATMs, pay for goods and services, but were deprived of the opportunity to replenish card accounts. The cards of this system were mainly in demand and served in the east of Russia. At the first stage, the following banks acted as partners of the Chinese payment system in Russia: Gazprombank, VTB24, Master Bank, Moscow Bank for Reconstruction and Development (MBRD), Bank of Moscow, OTP Bank, Home Credit Bank, Uniastrum Bank, Ak Bars Bank, and others credit institutions... For example, on August 15, 2014, MDM Bank (Novosibirsk) joined the China UnionPay system.
In Russia, you can apply for a China UnionPay card in several banks, these are mainly cards of two combined payment systems:

• Eurofinance Mosnarbank (Moscow) - cards: - "China UnionPay Classic", "China UnionPay Gold", "China UnionPay Platinum";
• MTS-Bank (issued only in the Far East Region and Irkutsk Region) - UnionPay - Zolotaya Korona card.
• Gazprombank - issues UnionPayGold and UnionPayClassic cards
• Russian Standard - issues "Russian Standard Classic" cards of the UnionPay payment system
• Eastern Express Bank - Union Pay Instant Issue / Union Pay Classic credit cards
• Lightbank - issues UnionPay-Zolotaya Korona Platinum, UnionPay-Zolotaya Korona Gold, UnionPay-Zolotaya Korona Classic cards.
• Rosselkhozbank - a solemn ceremony of launching the issue of UnionPay cards was held (As part of the business program of the St. Petersburg International Economic Forum 2016)

Since September 25, 2013, the China UnionPay (CUP) payment system has been included by the Bank of Russia in the "Register of payment system operators" that have the right to operate in the Russian market. The direct operator of the China UnionPay payment system in Russia is a subsidiary of UnionPay LLC. The payment system of China is registered in the register of operators of the Bank of Russia on September 25, 2014 under No. 0028. Settlement center the payment system became JSCB "BANK OF CHINA (ELOS)" (General license of the Central Bank of the Russian Federation No. 2309).

Now Russian banks will be able, together with the China UnionPay (CUP) payment system, to issue UnionPay cards without being combined with other systems. Negotiations on the introduction of the payment system are underway with many banks in Russia, including: - Gazprombank, Alfa-Bank, Promsvyazbank, etc.

UnionPay card appearance

The appearance and dimensions of the UnionPay card correspond to international standards and requirements. The UnionPay card looks like this:

China UnionPay Card

China UnionPay Card

A appearance combined cards issued in Russia look like this:

Combined Card "Unionpay - Zolotaya Korona" MTS-Bank

Unionpay - Golden Crown MTS

To go to China or other Asian countries on vacation or shopping, you don't have to look for yuan in Russian banks, stand in lines at currency exchange offices, buy US dollars and generally take cash with you, it is safer to issue a card. For this, MTS-Bank OJSC issues convenient UnionPay - Zolotaya Korona cards in the Far East and Irkutsk branches. Integration of "Zolotoy Korona" with the service of the China UnionPay payment system opens access money transfers and payments in 160,000 service points in 180 countries of the world. MTS-Bank issues a card on the chip of which China Union Pay and Zolotaya Korona are combined
Unionpay - Zolotaya Korona card is:

• convenient form of payments for goods and services on the territory of Russia, China and in more than 140 countries of the world;
• a safe form of transportation and storage of funds;
• a system of discounts when paying for goods and services in shops, restaurants and hotels in China;
• profitable cashless conversion rubles to yuan and other currencies directly.

To issue a Unionpay - Zolotaya Korona card, you must:

• contact any office of the Far Eastern and Irkutsk branches of MTS Bank.
• provide the bank with any identity document.
• The procedure for issuing and issuing a card - no more than 15 minutes.

Tariffs for the "Unionpay - Zolotaya Korona" card are as follows:

• Opening an account - free
• Account currency - rubles
• Issuance (registration) of the card - 50 rubles
• Price annual service- 250 rubles
• Card validity period - unlimited

Limits on monetary transactions with the "Unionpay - Zolotaya Korona" card:

• The limit on the amount of one transaction is 300,000 rubles
• Daily limit for the amount of all transactions (including cash withdrawal) - 600,000 rubles
• Weekly limit for the amount of all transactions - 1,000,000 rubles

Credit card of the Bank Russian Standard payment system UnionPay

Russian Standard Classic

Russian Standard Bank issues "Russian Standard Classic" credit cards of the UnionPay payment system.
This card is an excellent solution for those planning a trip to China, as profitable non-cash conversion to yuan is available.
The conditions for issuing a credit card are as follows:

• Card currency - Russian rubles
• Card validity period - 5 years
• Credit limit - up to 450,000 rubles (the amount of the limit is determined by the bank)
• The borrower's age is from 25 to 65 years.

For information: the material used data from Retail Banking Research and RBC.

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In Russia, the most popular international payment systems Visa and MasterCard. Citizens of the Russian Federation can pay with data plastic cards domestically and abroad, covering more than two hundred countries. Recently, the largest financial institution Russian Federation entered into an agreement with the Chinese national payment system. The Unionpay card from Sberbank is gradually being distributed among Russians.

UnionPay in Sberbank

Until 2014, citizens wishing to apply for a Union Pay card could only use the product outside of Russia. Now Sberbank's self-service devices are equipped with the function of servicing the plastic of the Chinese payment system. The owner of UnionPay products can withdraw money, conduct financial transactions through ATMs, terminals.

The program for the implementation of the international card is designed to increase the tourist flow and business development. Owners of Chinese products can freely cash out through Sberbank ATMs and pay in the service sector.

UnionPay and Sberbank partnership

The largest bank in the country issues all categories of cards of the Chinese payment system and is actively developing the level of product service through self-service devices. UnionPay credit cards are owned by more than six billion people, which is more than the number of holders of Visa or MasterCard products. Most of the users of plastics are the Chinese themselves. On this moment cards are accepted for payment on the territory of over one hundred and thirty states, mainly in the Asian region.

The UnionPay credit card issued abroad is fully serviced by Sberbank ATMs. In addition to the main product line, the largest financial institution in the Russian Federation introduces exclusive UnionPay International products.

Types of UnionPay cards

Sberbank provides an opportunity to issue this plastic through any office of an institution in Kazakhstan. The issue of banking products is due to close cooperation and strengthening of ties between Asian states. A financial institution allows you to receive any type of card of a foreign payment system. Each type contains individual characteristics and features.

UnionPay produces four types of banking products:

1. Classic - withdrawing money through self-service devices will cost one percent. The annual maintenance fee for a Classic card is five hundred rubles. Basic plastic has restrictions on daily cash withdrawal - one hundred thousand, two hundred thousand for payment for goods and services.
2. Gold - the service of the card will cost seven hundred rubles per year. The limits for the Gold card have been increased to one hundred and fifty thousand for withdrawing money and four hundred thousand for financial transactions.
3. Platinum - Annual service price is three thousand. Restrictions on withdrawing funds from a Platinum card and monetary transactions enlarged twice.
4. Diamond - Includes an annual maintenance fee of one and a half thousand. It is allowed to withdraw a maximum of one hundred and twenty per day, and conduct transactions in the amount of one hundred and fifty thousand rubles. One hundred fits per day financial transactions, in a week - five hundred.

The commission fee for cash withdrawals through ATMs and terminals is the same for all types of cards - 1%.

How to top up the balance of a UnionPay card in Sberbank?

To transfer funds to the account of UnionPay banking products, it is recommended to register on the popular exchange site BestChange. Free service provides the most favorable exchange rates foreign currency, commission fees. Now direct exchange between Sberbank and CUP is not performed, transactions are carried out through a transit currency.

The operation to replenish the balance of the card is carried out in a matter of minutes. Transfer financial resources via well-known payment platforms: Qiwi, Yandex, WebMoney, Contact, Bitcoin.

Withdrawing cash from a UnionPay card

Cashing out money from the plastic of the Chinese payment system includes a commission. Cash withdrawal is possible without additional deductions if the card is issued third party bank such as Gazprombank. There are several ways to withdraw funds:

• use self-service devices of Sberbank;
• visit a branch of a banking organization;
• terminals, ATMs of third-party credit organizations.

The list of institutions serving international products is constantly expanding. To understand whether the ATM will issue money, after entering Chinese products, you should study the appearance of the device - it must have the UnionPay logo on it. In addition to financial institutions cards of this system are serviced by Euroset and MTS companies.

The nuances of the Sberbank UnionPay card

Lightbank issues debit cards: UnionPay Classic, UnionPay Platinum and UnionPay Diamond.

Annual service - from 500 rubles or 75 CNY;
Cash deposit - 0%;
Cash withdrawal - 0.5%;

Advantages debit cards UnionPay Lightbank:

The world's largest payment system (it is not subject to economic sanctions, and the cost of use is lower than all popular payment systems);

Settlements in rubles and Chinese yuan (no commissions and at the best rate);

Direct exchange, no double conversion (Direct conversion from rubles to yuan);

More than 60,000 service points in Russia and 200,000 in China (UnionPay cards are accepted in almost all stores).

Credit Ural Bank issues two types of UnionPay bank cards: China UnionPay Classic and the high prestige card China UnionPay Gold.

Tel. 8 351 924-89-33

Rosselkhozbank issues a co-badging card MIR - UnionPay and UnionPay Classic.
Tel. 8 800 200-02-90

Primsotsbank's UnionPay bank cards will be interesting and convenient for a wide range of clients - students of Asian universities, businessmen, tourists, buyers of trading platforms in China, Asia and the whole world. You can enjoy shopping in both regular and online stores. There is a system of discounts and privileges for UnionPay cardholders in hotels, restaurants, shops all over the world.

You can get the card by connecting one of the premium tariffs of your choice - "Eastern Classic" ( UnionPay card Classic) or Eastern Gold (UnionPay Gold card). More detailed information on the cost of connecting tariffs, a list of all the advantages, as well as the terms of all available tariffs can be obtained at the link: Tariffs for servicing plastic cards:

Account currency: Rubles of the Russian Federation / Yuan of the People's Republic of China
Daily limit for all transactions: up to RUB 500,000 / RMB 50,000
Limit of the number of transactions per day: 50
Weekly limit for all transactions: up to RUB 650,000 / CNY 65,000
Limit of the number of transactions per week: 100

Main advantages:

Convenience of shopping
- The world's largest card acceptance network will allow you to make purchases at any time in online and offline stores in China and around the world.
- Safety and ease of shopping
- UnionPay cards have a powerful world-class security control system, thanks to which you can not worry about large sums funds used while traveling. Fast password transmission provides increased security for any purchases.
-Favorable conversion
-Calculations abroad are carried out in yuan of the PRC, the conversion takes place at a favorable direct exchange rate. When making settlements in a currency other than the Chinese yuan, the rate of the payment system is used, it is formed on the basis of the rates of the leading banks in China2
-Interest on the balance
- Interest is accrued on the balance of funds on the card account - a convenient opportunity to save up for your trip.
-Discounts and privileges
- There is a system of discounts and privileges for UnionPay cardholders in hotels, restaurants, shops all over the world.

Tel. 8 800 200-42-02

Bank "Primorye" offers a UnionPay Classic bank card.

Issuing a card in three currencies - rubles, dollars and yuan.

A distinctive feature of the UnionPay card is the absence additional costs for conversion for settlements and cash withdrawals in yuan. Pay with your card and withdraw yuan at a profit. To China - with a UnionPay card!

In addition to payments abroad, the Union Pay card has all the functionality of other cards of Primorye Bank - withdrawing and replenishing the card at ATMs, paying in terminals, shops, connecting to the Internet bank “My b @ nk” and SMS informing services.

UnionPay Classic card - universal payment instrument for payments on trips abroad. Pay by card in shops, hotels and restaurants in China and save your money on direct conversion.

Production time - up to 3 working days.

Card account service - 500 rubles / year.

Tel. 8 800 200 20 86

Gazprombank offers UnionPay bank cards of the Classic and Gold categories - a sign of the financial solvency and prestige of their holder.

You can find a full description of the services provided with Gold cards and the conditions for their provision on the UnionPay website.

Tel. 8 800 100-00-89

Bank " Saint Petersburg”Offers a card of the international payment system UnionPay International - UnionPay Classic.

Service - 750 rubles / year

0.5% bonuses Bright

Contactless payment

Discounts and Special offers from UnionPay

In our country, many owners of plastic cards are most familiar with such world payment systems as Visa or MasterCard. These are the ones that allow you to pay for purchases and withdraw cash from ATMs in more than 200 countries around the world. But quite recently, a new Chinese payment system Unionpay appeared in Russia and several other countries. What it is and how it works on the territory of our country, we will consider further.

System logo

History of creation

The decision to create your own payment system was made the central bank People's Republic of China in 2002. Several large commercial bank China, and at first the cards were valid only in large cities PRC. By 2003, Unionpay cards were distributed throughout the country, and in 2006 cards under this brand already found their users outside the PRC.

In our country, the system appeared in 2013, and it was in September of that year that the system was included in the register of operators of payment systems of the Russian Federation on the initiative of the Central Bank under the name "UnionPay". By the way, in the same year, the cards of this system already operated in 142 countries, and surpassed such systems as Visa or MasterCard in the number of issued cards, namely, their number was 4 million units.

In Russia alone, according to forecasts in the next 2017, the number of cards from the Chinese payment system will reach 2 million rubles.

Distinctive features

When issuing "plastic" in a bank, we rarely think about which system they belong to, because the issuing bank is engaged in servicing, and the basic conditions will depend on it. Nevertheless, in the light of recent events, or rather, relations between Russia and the United States, the cards from UnionPay have some advantages.

All Russians are aware that the United States imposed sanctions on Russia, this affected and financial relations, but both Visa and MasterCard belong to the Americans, who, in turn, refused to cooperate with some domestic banks. If the situation gets worse, then Russian banks will have no choice but to cooperate with the Chinese system. By the way, in Crimea, Visa and Mastercard cards are not served at all.

If we talk about the advantages, then they are mostly obvious only for those who often travel to China, because the native currency of UnionPay is CNY... In addition, all Unionpay cards in Russia have lower service tariffs compared to Visa and MasterCard, and low interest when converting currency.

Card from Russian Standard Bank

Where to get a UnionPay card in Russia

Currently, all banks and, in fact, their customers prefer cooperation with Visa or Master Card, but Chinese cards will certainly find their user. Which bank to contact:

1. LightBank is one of the first banks to issue the entire line of UnionPay cards, currency: rubles or yuan. The cost of service is from 500 to 15,000 rubles per year. Feature - a high degree of security of funds, thanks to the six-digit PIN-code.
2. Eurofinance Mosnarbank - cards in different designs: classic, gold or platinum. Service cost per year: 700, 1500 and 3000 rubles, respectively.
3. Gazprombank - offers customers debit and credit cards: classic, gold and platinum. Service cost from 600 to 1500 rubles.
4. Baikal Bank is a card issuing bank of the Chinese payment system. Here are perhaps the most profitable terms service from 0 to 300 rubles per year.

You can find out more about the conditions for receiving and servicing Unionpay cards on the websites of banks or at sales offices.

The above is not the entire list of banks that offer their customers cards from UnionPay. Among them are also MTS Bank, Russian Standard, Renaissance Credit Bank, East Express Bank. At present, Rosselkhozbank has signed an agreement for the issuance and maintenance of cards of the Chinese payment system, and several other banks.

Also, many Russian banks accept plastic, among them Uralsib Bank, Alfa-Bank, VTB Group, Military-Industrial Bank, MDM Bank. That is, the Union Pay payment system is actively developing in Russia, but, unfortunately, so far not all banks work with it, for example, Sberbank of Russia this question thought it over, but did not make a decision yet.

The main problems of Unionpay

So, the main problem of the system is that so far not credit and financial organizations work with this system, and there are not so many ATMs throughout the entire territory, only 20 thousand, from which you can withdraw money. On the other hand, Unionpay has gained popularity among active Internet users, for example, those who work on the network can withdraw funds through the WebMoney electronic wallet.

Card from Lightbank

By the way, MFOs do not cooperate with Unionpay, so it will not work to take a microloan on the card.

In any case, the Unionpay payment system operates and develops in our country, although many of our compatriots are used to Visa and MasterCard. But if we consider that the PRC is increasing its position in the world ranking, and this is due to economic growth, which means that over time, the Unionpay system will grow and develop both in Russia and abroad.