Premium card. Premium card How to take money on a trip
Cash transactions are becoming a thing of the past, giving way to non-cash payments. For financial manipulations, customers are increasingly wondering which debit card to choose. We have collected, in our opinion, the TOP ten offers from Russian banks.
Visa Premier from Sberbank
Visa Premier is the best debit card from Sberbank. It allows its holder to save significantly. Discounts until 3% customers receive for goods, services that the bank has determined. On other purchases - 1% .
Existing customers of a banking institution can issue a debit option. Features of using the card:
- validity - 3 years;
- daily limit for cashing out - half a million;
- monthly withdrawal limit - 5 million;
- maintenance cost - basic 4900 rubles annually, and additional - 2500 rubles;
- card re-issuance 0 rubles;
- can be linked to electronic wallets;
- sms alert;
- access to the Sberbank Online program;
- access to the "Mobile Bank" functionality;
- the issue of overdraft is decided individually;
- participation in the best Sberbank loyalty program "Thank you";
- payment with “Thank you” bonuses for air tickets, hotels, if they are booked through the “Thank you” website.
If the monthly balance does not exceed 2.5 million, then there is no service charge.
Otkritie Bank and its Smart Card
Analyzing information about which debit card of which bank is better, one cannot ignore the options offered by Otkritie Bank. This is his best cashback card. The amount of the latter directly depends on the amount of expenses. The larger it is, the higher the percentage:
- 1% money spent is returned if the client has spent a month up to 30 thousand;
- 1,5% - with monthly spending on the amount more than 30 thousand.
Bankers have established the following conditions for the use of a debit copy:
- four year validity;
- self-installation of TeleCode;
- accrual of interest on residual funds - 7,5% ;
- SMS alert - 59 rubles monthly;
- service - 299 rubles monthly, with expenses more than 30 thousand- is free.
Visa Signature premium card from SKB-bank
SKB-Bank attracts customers with a premium Visa Signature debit card. This banking product is designed for applicants who make purchases, pay for services not only in the Russian Federation, but also abroad.
Balance charge 7,9% per annum, which is much more than the interest on deposit offers of some banks, attract customers. Also, cardholders get the opportunity to return 1% amount spent on purchases. Cashback owners receive monthly.
The citizen is provided with:
- maximum monthly cashback – 50 thousand;
- free SMS-informing;
- account statements - 0 rubles;
- free issuance/replenishment of the card;
- gratuitous registration of insurance to the cardholder for the period of foreign trips;
- production of copies with individual design - 0 rubles;
- sms alert.
If the purchase is returned by the cardholder to the seller, then this amount is deducted when determining the size of the cashback.
MasterCard Black Edition of the Moscow Industrial Bank
Thinking about which bank is better to get a profitable debit card, pay attention to the Moscow Industrial Bank and its best multi-currency option MasterCard Black Edition. Customers who pay bills with such a card receive cashback:
- 10% from the money spent at gas stations;
- 5% from the amount spent in bars, Duty free shops, restaurants;
- 1% from expenses in trade and service enterprises.
When using the card, citizens must consider the following conditions:
- accrual of annual interest on the balance - 8% if on account more than 300 thousand rubles;
- validity - 2 years;
- issue of additional cards - up to 5 copies;
- access to the bank's functionality;
- access to higher credit half a million;
- 5 free money withdrawals per year at any ATM in the world;
- automatic participation in discount programs initiated by bankers.
The client does not pay for the service if his monthly turnover exceeds 100 000 or irreducible balance more than 800 thousand. If they do not meet any condition, then the bank charges a fee - 3.5 thousand.
Platinum "VTB24 Impressions Card" from VTB24 Bank
VTB24 Bank its best platinum version "VTB24 Impression Map". Entertainment lovers can return up to 5% when paying bills in bars, restaurants, cafes, purchasing tickets to the cinema, theater.
Holders of a platinum copy of the "VTB24 Impressions Card" use it on the following terms:
- issue cost - 500 rubles;
- return 1% the cost of buying goods in stores, on Internet resources;
- service - 0 rubles;
- additional cards - 2 copies;
- free account statements;
- table reservation services.
Through VTB24 ATMs, cardholders withdraw money free of charge, at ATMs of other banks, the first 2 withdrawals per quarter are free of charge, the rest - 1% from the withdrawn amount, but not less than 300 rubles.
Debit Tinkoff Black from Tinkoff Bank
The Tinkoff Black variant is multi-currency. Consider the "ruble" version. The owners of such a card not only return funds for purchases, but the bank also monthly accrues interest on the balance:
- 7% - if the customer has made at least one purchase worth more than 3 thousand and there are less than 300 thousand on the account;
- 3% - if there are more than 300 thousand on the account or there was no purchase worth more than 3 thousand.
Other terms of use of Tinkoff Black:
- 5% - when paying for purchases of selected categories, their owner determines with the help of "Mobile Bank";
- 1% - charged for other purchases.
- service - 99 rubles monthly;
- SMS notification is provided free of charge;
- free replenishment.
The holder of Tinkoff Black participates in the promotions of Tinkoff Bank, its partners, which allows you to return to the account from 3% to 30% amount of purchases made.
The best debit offer of Rosselkhozbank VISA Platinum "Capital"
Rosselkhozbank offers its customers a VISA Platinum "Capital" card. Its owners can multiply their money. You can connect both additional cards and virtual cards to VISA Platinum.
Key points of using VISA Platinum "Capital":
- validity - 3 years;
- the cost of servicing the main / additional option - 4.5 thousand;
- initial replenishment - 34.5 thousand;
- accrual of interest on the balance - from 1% to 5%;
- participate in the Harvest loyalty program;
- daily limit for ATM withdrawals - half a million.
- daily withdrawal limit at bank branches - 1 million;
- Monthly bank withdrawal limit 5 million.
PSB Planet Premium debit card from Promsvyazbank
Promsvyazbank issues a debit version of PSB Premium to adults. The first year the card is serviced free of charge, then - 599 rubles written off every month. Annual fee for each additional copy - 2 thousand.
Key points when using:
- gratuitous insurance of the client when traveling abroad;
- SMS informing;
- overdraft limit up to 600 thousand with a grace period 55 days;
- per annum on overdraft - 29,5% ;
- the possibility of blocking;
- cash withdrawal fees 0% in Promsvyazbank, 4,9% in other banking structures;
- use of PSB-Retail functionality.
Offer of Alfa-Bank MasterCard Platinum
This is the best option for those who travel frequently abroad. Alfa-Bank provides cardholders with services for booking air tickets, insurance, transfers to airports, railway stations. These clients are served by a personal manager.
Features of MasterCard Platinum:
- free cash withdrawal from ATMs abroad;
- replenishment - in any way;
- controlled by the Alfa-Click functionality;
- preferential currency conversion;
- SMS alert;
- accrual 8% per annum for the balance;
- participation in promotions, loyalty programs conducted by Alfa-Bank and its partners;
- fast clearance;
- free delivery of a new card by courier.
To make free online purchases, Alfa-Bank has introduced 3D Secure technology.
Offer of Rosgosstrakh Bank - Client card
This is the best instant issuance debit card of Rosgosstrakh Bank, which is issued/reissued for free for 10-15 minutes at any bank branch. In case of early renewal, the client pays 300 rubles.
The Customer Card holder receives:
- return 3% - when using the card in transactions at retail outlets, which are determined by the bank;
- cashback 1% - when paying for other goods.
- free service;
- access to the Mobile Bank software;
- automatic participation in loyalty programs;
- free account replenishment;
- free monthly account statements
Cashback users of the debit option receive until the 15th month following the month in which the expenses occurred. Bankers only count transactions that exceed 100 rubles.
What is a credit card and how is it different from a debit card?
A credit card is a card for buying on credit. Unlike a debit card that holds your own money, a credit card holds bank money. You can use this money to buy goods in stores and on the Internet. You can even transfer money to friends or family or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these operations.
How to choose a credit card?
When choosing, first of all, pay attention to the amount of bonuses for purchases, the cost of service, the amount of the credit limit and the privileges from the payment system.
At what age can you get a Sberbank credit card?
Any citizen of Russia between the ages of 21 and 65 inclusive with permanent or temporary registration in any locality of the country can apply for a credit card. The decision to issue a card and the size of the credit limit is made by the bank individually.
What is a pre-approved card offer and how do I know if there is one for me?
A pre-approved offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you have received such an offer, it means that the bank will most likely approve the issuance of the card.
To find out if there is a pre-approved offer for you, . If there is an offer, you will immediately see the approved credit limit and preferential terms. The card will be delivered to the branch of your choice.
How to start using a Sberbank credit card?
After receiving the card, first of all, make sure that your name and surname in Latin transcription are correctly indicated on its front side. Then put your signature on the reverse side in the signature line.
To start using the card, you need to activate it. Create and set a PIN code - a bank employee will tell you how to do it. Once the card is activated, you will be able to make purchasesHow to pay by card in stores and on the Internet?
In the shop. Tell the cashier that you are going to pay by card. Insert the card into the payment terminal and enter the PIN code. If you have a card with contactless payment, just present it to the payment terminal. Purchases over 1,000 rubles require a PIN code. The cashier may also ask you to sign the check.
In the Internet. On the payment page in the online store, enter the card details. To confirm the payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying on the Internet - this is dangerous.
How to pay interest on a Sberbank credit card?
Interest for the use of credit funds is debited from the card automatically, so you do not need to do anything special for this. But if you manage to return the money within the grace period, which lasts from 20 to 50 days, you will not have to pay interest.
How to avoid credit card interest?
To avoid paying interest, try to pay back the purchase debt during the interest-free period.
For example, the report date on your card is October 1, which means that the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then 32 days remain until November 21 to pay off the full amount of the debt without interest.
Which transactions are not covered by the grace period?
The grace period does not apply to the amount of cash withdrawal transactions, transactions in casinos and sweepstakes, payment for online games, the purchase of foreign or cryptocurrency, traveller's checks, lottery tickets, non-cash transfers, including transfers to electronic wallets, as well as amounts exceeding the limit loan.
Where can I find the date of the credit card report?
There are three ways to find the date of a credit card report:
On a credit card report. The card report is sent monthly by e-mail on the next day after the date of the report.
In the personal account of Sberbank Online. In the "Cards" section, select a credit card, and then open the "Card Information" tab.
Call the 24/7 call center on any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when you are in your home region and in intranet roaming.
8 800 555-55-50 (free in Russia)
+7 495 500-55-50 (for calls from anywhere in the world)
How to top up a credit card?
There are several ways to top up a credit card:
1. Transfer from a salary card to Sberbank Online or through an ATM.
2. Top up the card in cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can replenish a blocked credit card in or make a transfer from an account of a third-party bank.
Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards / accounts of third-party banks - no later than the business day following the day the funds are received by the bank.
Can I transfer money from a Sberbank credit card?
Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.
Please note that a commission is charged for a transfer from a credit card in accordance with the Bank's tariffs, including when transferring own funds. .
How to increase the credit limit on the card?
The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the amount of the credit limit. If you have not used your credit card for a long time or have not used it actively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come in SMS.
Useful articles on debit cards
What is a debit card?
A debit card is a tool designed to carry out various financial transactions. Its main function is to replace paper money. The owner of the debit card is the bank, and the client is its holder. There are debit cards that can only use your own funds, and cards that can use borrowed funds (with overdraft allowed).
Where can a debit card be used?
Debit cards today are not only a way to get away from "paper" money, but also a convenient payment tool. In the modern world, there are more and more opportunities for using plastic cards.
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Payment order - what is it?
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Social card of Sberbank for pensioners
The Sberbank MIR social card is intended for recipients of pensions and other social benefits. It replaced the similar card product Maestro Active Age. This replacement was carried out in order to implement the requirements of the federal law dated May 1, 2017 No. 88-FZ.
golden card
Plastic cards have firmly entered our lives and continue to expand their scope of application. Tens of millions of people in Russia use them in everyday life: they pay for goods and services at retail and service outlets, make money transfers, and withdraw cash. The banking services market offers thousands of card products with a variety of opportunities. However, with such a wealth of choice, plastic cards are clearly divided by belonging to a particular class.
What are pay cards?
Payroll cards are widely used today. Most often they are issued in the framework of cooperation between the employer and a particular bank. What gives the holder participation in such a project?
Debit cards with interest on the balance
The opportunity to generate additional income gives interest-bearing debit cards a significant advantage over products without the corresponding option.
How to block a debit card?
There are various situations in which it becomes necessary to block a debit card. Therefore, it is useful to have an idea about the options for performing this operation.
Golden children: how to choose a bank card for a child
According to statistics from the National Agency for Financial Research, a quarter of children in Russia already receive pocket money on a bank card. We figure out how to design such plastic and not get confused in numerous offers, as well as what difficulties and nuances await young users.
To the world - "Mir": the pros and cons of the national payment system
Mir cards are currently used by 35 million people, most of whom are state employees. For people who do not work in government organizations, such plastic is still unpopular: there are less than 4 million such holders. Indeed, Mir still has drawbacks. But the benefits seem to be more.
Investment life insurance: benefits and risks
Investment life insurance is becoming more and more popular in the insurance market. People are attracted by the opportunity to earn on investments and at the same time secure the future of loved ones. But this tool has both pros and cons. Let's see who is suitable for ISZH.
In the name of good: how charity bank cards work
In the US, charity cards have been issued since the 80s. In Russia, they are not yet so popular, but they definitely have potential: according to statistics, every second resident of the country spends up to 3 thousand rubles on charity. in year. Banks offer cards to help save rare animals, give children a home, or support lonely old people.
Gift horse: pros and cons of gift bank cards
According to statistics for 2017, 80% of Russians use plastic. This means that the best and most practical gift today is not money, but money on a bank card. What gift cards are, what principle they work on and what can go wrong - we tell.
Plastic in the appendage: why do we need additional bank cards
Three-quarters of Russians use bank cards, but not every plastic owner has their own separate bank account. What are additional cards, how, why and under what conditions to issue them - everything in order.
Overdraft on the card: how to use it wisely and not become a debtor
In 2008, Nikolai opened a debit card at Sberbank. Connected SMS alerts and online banking, tracked balance and spending. Three years later he moved to another city and forgot about the card. In 2018, I received an SMS with information about the debt to the bank. It's all about the overdraft. Let's figure out how an overdraft is useful and when it is better to issue a card without this service.
ISIC cards: privileges and discounts around the world
If you are a student, love to travel and explore the world, and save money at the same time, then an ISIC card would be an excellent solution. The holders of these cards are provided with a large number of discounts and privileges around the world.
Union Pay cards: yuan in your pocket
For most Russians, a bank card is Visa, MasterCard or Mir. If someone heard about Union Pay cards, then most likely out of the corner of their ear. In this article, we will talk about the Union Pay payment system and its cards, whether it is worth buying them and where you can do it.
IYTC Cards: Empowering Young Travelers
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ITIC Teacher Cards: Saving Money on Travel
Teachers and teachers are representatives of one of the most respected and noble professions. These are people with a broad outlook, opening the world for their wards - pupils and students. We are talking about the ITIC card, which helps to save money on travel and provides access to additional opportunities in the educational field.
“Dear you are our person”, or what is Private Banking
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Far Eastern hectare: to develop and build
More than 100 thousand people have applied for a "Far Eastern hectare", and 40 thousand plots have already been provided for free use. Their owners plan to build houses, conduct agricultural and other activities. What kind of support they can count on, we will tell in this article.
What is an SMS loan
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Golden Deals for the Golden Age. The best cards for pensioners
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Multicurrency card: why you need it and where to apply
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Priority Pass or how to feel like a VIP
Airport VIP lounges are designed for travelers who prefer comfort while waiting for a flight. There are several ways to get into this zone, which is inaccessible to most passengers: buy a business class ticket, pay money for entry, participate in the airline's loyalty program. But the most versatile is the Priority Pass card.
What's in my name to you: hit parade of bank names
According to the Central Bank of the Russian Federation, as of June 26, 2018, there are 898 credit institutions in Russia. Of these, 62 are non-banking. Not each of the remaining 836 banks distinguished themselves by their imagination when choosing a name. With which banks everything is clear from the first word, and which names make you think - we will tell in the article.
Numismatics: how to make money on coins
Numismatics is an interesting hobby and a way to earn money. If you have a ten-rouble note “Chechen Republic” from the “Russian Federation” series lying around, consider that the budget has replenished by 10 thousand rubles. Of course, about 95% of the coins are already concentrated in enterprising collectors, but there is a chance that your profit is hidden among the remaining 5%.
Not like everyone else: bank cards with creative design
The desire to stand out, to possess something non-standard is typical for many people. Bank cards are no exception. Financial institutions, capturing the needs of customers, produce plastic with an exotic design. We will talk about such cards in this article.
Concierge service: as a personal assistant
The life of business and just active people is filled with interesting and important events. And sometimes they have neither the desire nor the opportunity to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge service come to the rescue. We will talk about it in this article.
How to pay for a purchase in a store without money and a card
Apple, Google and Samsung Pay have already ceased to be perceived as a curse. Most people who have a smartphone and a superficial understanding of banking products have heard of these contactless payment systems for purchases. We will tell you how to get access to technologies in this article.
RZD Bonus: travel with benefits for the wallet
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What is an individual pension plan
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Free Pies with Delicious Toppings: Debit Cards with No Service Fees
Often, debit card holders have to pay a service fee. To compensate for these costs, many are looking for plastic with bonus programs, cashback and interest on the balance. However, there are also such cards for which the service is free. Let's talk about them in this article.
MCC: "kitchen" of rewards on plastic cards
In the conditions of many plastic cards, banks include cashback and participation in discount (bonus) programs. Holders are rewarded for certain transactions, usually for paying for purchases. You can find out which trade and service enterprises (TSEs) participate in programs and promotions using the MCC, which we will discuss in this article.
5 ways to transfer money without commission
Money transfers are one of the most demanded financial services. A fee is charged for such operations. However, this is not a general rule. There are several ways to transfer money without commission, we will talk about them in this article.
SMS informing: peace of mind for free and for money
When choosing a banking product, SMS service, as a rule, is not among the priority factors influencing the decision. However, in-depth knowledge about this service will be useful. In this article, we present the results of a study of the cost and functionality of SMS informing offered by Russian banks.
Received money by mistake. What to do?
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How to take money on a trip
In a nearby city or at the mouth of the Amazon, the loss of a bank card can significantly ruin your vacation. Instead of taking pictures of caimans and walking through unfamiliar forests, you will have to deal with an empty wallet. Avoiding this is easy if you prepare and store money properly.
Discounts, bonuses and quests: loyalty program for Troika owners
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Financial literacy is the correct disposal of money, in which the risk of losing them is minimal. We decided to make a series of articles in which we will tell you how to protect yourself from mistakes, as well as how to use banking products correctly. Today we will talk about what not to do.
What to do with torn rubles
A banknote with stains, scuffs and painted faces may not be accepted in a supermarket or bus. But you should not throw it away - the bill is considered solvent.
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How to transfer money from card to card?
Sometimes a simple operation to transfer funds from one card to another can be complicated by the conditions of banks. How to transfer money without problems? What to do with restrictions and delays in translation?
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Lost card - how to recover?
A debit card is a modern and convenient tool for carrying out a variety of financial transactions. However, its use comes with certain risks. One of them is the possibility of loss.
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Theft of money from the card. If you have a bank card, you should know this
Fraudsters invent new ways to steal money from bank cards. Which of them are common today?
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Banks will store not only money, but also your voice
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Dispelling myths about contactless payment cards
With contactless payment cards, you must follow all the same security measures as for the rest. But do not forget to "filter" "adult horror stories" and draw your own conclusions, weighing the incoming information.
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Will the bank pay for everything? What to do if money is stolen from the card
Unfortunately, theft of money from bank cards is not uncommon today. However, in certain situations, the debited amount can be returned.
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Tired of faceless plastic and monotonous programs with the accrual of air miles or cashback? Then this is the selection for you. Here are collected 6 proposals from Russian banks, which are definitely not trivial. Choose to your taste.
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The bank saves the safe: how to insure a debit card
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Bank in your pocket. Advanced gadgets for banking clients
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Bought on AliExpress - return the money back
Everything is sold on AliExpress: from smartphones to dog muzzles in the form of a duck's beak. The popularity of the trading platform led banks to the idea of creating special cards. With them, you can not only conveniently pay for purchases, but also return part of the money spent. What kind of plastic will you be able to buy again and again? We understand the conditions and choose.
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My bank is being sanitized. What does it mean and what to do
Experts from the DIA say that the situation with the resolution of banks in Russia is improving: today there are only 5 projects launched (for comparison, there were 18 in 2015). But after last year's high-profile stories with Binbank and Otkritie Bank, customers are worried. We tell you why reorganization is not so scary for depositors and what to do if the bank is “recovered”.
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I am a freelancer. Can my card be blocked?
Recently, there has been a lot of talk about blocking bank cards. This issue is especially relevant for freelancers, whose cash transactions often look “suspicious”. Let's figure out what can lead to blocking the card and what to do if it does happen.
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My bank license was revoked. What to do?
The “cleansing” of the banking sector has subsided, but, as experience shows, the revocation of a license can affect any bank. For customers, this news is unpleasant and unexpected. Questions immediately arise: is it necessary to repay the loan, will the money be lost, and where to run at all? We answer frequently asked questions that bank customers face in such a situation.
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A bank for every gamer: how to save money on games with bank cards
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Cashback is a “bait” that has been working for a long time and effectively, with the help of which payment systems and issuing banks attract customers. The MIR cards, which are issued by Russian banks, are no exception. Moreover, for some "MIR" products you can get a double bonus - from the bank and from the payment system.
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Which bank to choose - public or private
Got extra money that makes sense to put on deposit. Or vice versa, there was a desire to buy something on credit. Then you will probably have to think about which bank to contact - public or private. In this article, we will tell you what is the difference between them and what to be guided by when choosing.
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Impersonal metal accounts: how easy it is to invest in precious metals
Against the backdrop of economic instability, gold and other precious metals seem like a safe haven. But storing gold bars at home is not very safe. For such cases, banks offer depersonalized metal accounts. We tell you how to become an investor in precious metals without even touching them.
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How to save money on online shopping: cashback cards and online services
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Is it possible to earn on a savings account
Imagine that you have free 30 thousand rubles set aside for a vacation. The trip is scheduled in 2 months and the idea arises to “attach” your hard-earned money. The first thought is a deposit, but you will have to say goodbye to savings for at least a quarter. A savings account will help make money work without restrictions on its use.
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How to increase your salary with an individual salary project
Slavery in Russia was abolished in 1861, and "wage slavery" in 2015. What has changed since then and how do banks attract payroll clients who have gone free-floating? We talk about the most interesting offers: interest on the balance, cashback, preferential loans and VIP privileges.
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Mobile banking vs internet banking: which is safer
The digitalization of the banking sector is in full swing: more and more people are mastering mobile and Internet banking. We find out which of these services is still more reliable, and tell you how to secure data.
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Account in a foreign bank. What reporting to submit
More and more Russians open accounts abroad. This is convenient for those who permanently or for a long time live abroad, and for those who travel frequently. But an account in a foreign bank is not only new opportunities, but also new responsibilities. Let's talk about them.
Underwater rocks
Marketing ploys of bankers
If you are going to place free money in a deposit or take a mortgage, then first of all you are looking for the most profitable programs. Financial institutions, of course, respond to these signals and throw tempting offers on the market. In this article, we will talk about the tricks banks resort to in order to retain and expand the circle of customers.
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From point A to point B: how to transfer money within the Russian Federation
Probably, every person at least once faced with the need to send money to another city. Previously, for this it was necessary to come to the post office or bank and huddle in line. Now there are many more ways available: through terminals, ATMs or a mobile phone. We talk about all the options in terms of benefits and speed.
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Save and Grow: Where to Invest Dollars
For those who have a reserve of US dollars, the question is whether it is possible to “attach” them in our country and make money on it. Let's talk about several ways to invest American currency that can bring income.
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Features of national crowdfunding or how to chip in for a startup
If you had bought $1 worth of Apple stock twenty years ago, you would have made about $22,300 today. To find out if there is a chance to invest your hard-earned money just as well in 2020, read this article.
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Plastic for superheroes. What cards would comic book characters use in Russia
Heroes and villains of the DC and Marvel universes often behave like ordinary people: they go shopping, eat at restaurants, travel. We decided to dream up and pick up profitable bank cards for popular comic book characters. Will Russian banks be able to satisfy superhero needs, read in our article.
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5 ways to get out of the financial crisis
I would like to think that the financial crisis is something that happens to others. In reality, anyone can find themselves in a debt hole due to difficult life circumstances or a banal inability to use credit products. We have compiled 5 practical ways to help you get out of the financial crisis.
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Summer tickets: travel cards
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What to choose - Priority Pass or Lounge Key
For those who fly frequently and prefer to travel in comfort, spending many hours in the noisy and crowded halls of the airport terminal is a real torture. Salvation can be participation in one of the international programs for access to airport lounge areas. In this article, we will talk about two of them - Priority Pass and Lounge Key.
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Chargeback: how to return money to a card and not get into a puddle
Paying for goods or services with a bank card is modern, fast and convenient. True, sometimes misunderstandings arise during such operations. But even if the item paid for by the card is not received, the problem can be resolved without going to court - with the help of a chargeback.
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What to do if you are scammed when buying online
The average check of a person deceived when shopping on the Internet is 15 thousand rubles. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents, because they believe that it is impossible to return the money. This is not true. We tell you where to look for justice and how to protect yourself from scammers.
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How to lend money the right way
Situations where someone asks for a loan are not rare. If there is an opportunity to help, people help. But when it comes to a large amount, it is worth borrowing wisely, without neglecting the norms of the law. This approach will help guarantee a refund.
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Cards with free TCD policy
Many people know that banks offer cards with bonuses for travelers. But not everyone knows about an additional service - free insurance for those traveling abroad. Next, we will tell you why a TZR policy is needed abroad, what it protects against, and what bank offers you should pay attention to.
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Taxi Savings Cards
Bank card holders can save on taxis in several ways: get cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic. Let's talk about the offers of banks in more detail.
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Currency transfers abroad
When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international fast transfer systems. Let's talk about the pros and cons of these options.
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Aeroflot Bonus: savings and comfort
“Fly with Aeroflot planes!” - called advertising from the times of the USSR, as if people had a choice. Now there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to retain and expand their customer audience. One of them is Aeroflot Bonus, which we will talk about in this article.
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7 mistakes that cardholders make over and over again
Plastic cards in Russia are used by tens of millions of people, and at first glance, this does not require special talents and is available to anyone. But holders with enviable regularity step on the same rake, for which they pay out of their own pocket. We talk about these errors and how to avoid them in the article.
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10 life hacks for Alfa-Bank clients
When making a deposit, card or loan, many Alfa-Bank customers do not have a complete understanding of the capabilities and limitations of a particular product. In this article, we will talk about how to get the most out of what the bank offers, bypassing the pitfalls.
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Where, besides insurance companies, you can impose insurance
Insurance companies are fighting hard for customers, using a variety of marketing techniques. One of them is the promotion of insurance products through partners. The policy can be issued without even knowing it. We found 5 insurance traps that everyone is at risk of falling into.
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How to save on conversion and exchange rates abroad
In the 90s, grandmothers sewed banknotes into secret pockets of suitcases and thus protected money from theft. Now, before a vacation, you have to take into account exchange rates and the payment system of a bank card. We tell you how not to lose a lot of money when paying for purchases and withdrawing cash abroad.
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How to check the authenticity of the new 200 and 2000 rubles
In 2017, Russians voted to place Crimea and Vladivostok on new banknotes in denominations of 200 and 2000 rubles. Banknotes are already in circulation and are noticeably different in design from the usual money. The cash is equipped with special signs of authenticity, which are verified through the Banknotes 2017 mobile application.
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Creative commercials for banks: hype, banter and 18+
Tired of reading yet? Take a break and enjoy a selection of funny and creative videos from Russian banks. You definitely don't want to miss this ad.
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11 TinkoffHacks for users of the largest online bank
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Eat, drink, get cashback. Top cards with bonuses in restaurants
"Tell me what you eat and I'll tell you who you are" is a popular catchphrase. Our editors agree with this one hundred percent. We will even go further. Tell us how you pay at restaurants and we'll tell you how much you save. We present the rating of bank cards for profitable purchases in cafes and restaurants.
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The one and only: a card with an individual design
Every person is unique. The desire to stand out from the crowd is manifested not only in clothes and tastes, but also in the design of bank plastic. Let's find out how much individuality costs and how to get yourself such a "pleasure".
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Biometrics to the masses: how banks will identify your identity
The Unified System for Biometric Identification and Authentication (ESIA) of customers has been operating in Russia since July 1. According to representatives of the Bank of Russia, by the end of 2018, 20% of bank branches will connect to it, and the process will be completed next year. Let's talk about what this means for our clients.
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How to return an erroneous payment
It is difficult to say how much money Russians regularly transfer to other people's accounts by mistake. But this situation is familiar to everyone: if you make a mistake with one number in the details or write the wrong letter in the name of the organization, and the money will go “nowhere”. But you can get back the lost funds. And it is necessary.
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"Mobile" cards from mobile operators: which one is better
Spoiled customers of the company offer more and more new services. Mobile operators do not lag behind fashion, and issue bank cards for subscribers. How profitable it is and which plastic is better, we will consider in the article.
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"Star" advertising: celebrities who promote banks
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Buy profitably: 5 cards to save money in supermarkets
Luxury real estate is bought by a few, but bread and milk are needed every day. We constantly leave thousands of rubles in supermarkets. With what plastic it will be possible to save on the purchase of products, we will tell in the article.
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All for the match! Cards for football fans
The biggest sporting event of 2018, the FIFA World Cup, has come to an end. Russian fans should not be upset, because soon they will see their idols again at the Premier League games. And in anticipation of the opening of the new season, we decided to do a little research to help readers buy stadium tickets at a bargain price.
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How to save money on buying gasoline by paying with a card
In April 2018, gasoline prices skyrocketed. And although now the cost of fuel has stabilized, the issue of saving when buying it remains relevant. By choosing the right bank card, you can return up to 10% of the cost of gasoline. How to spend less when refueling at gas stations, we will tell further.