Possibilities / 27.07.2020

Rocketbank debit card to order. Rocketbank debit card "Rocket". Release and maintenance

Another review from a series of reviews "Piggy bank cards"- a review of the RocketBank debit card (read the previous review :). For ease of reference, pluses and cons of the card are not grouped by columns or paragraphs, but are marked in the text with the following symbols:
pluses of the card,
cons of the card,
neither plus nor minus means that the condition as a whole is average for the market banking services.

Stock! Formalize "Rocketbank card", on ✪ invitation link and get Better conditions and free card delivery.

Release and maintenance

Free issue standard maps MasterCard World with PayPass- technology contactless payment... Rocketbank is a bank without offices, fully mobile bank (for more details in the "summary"), the card can be ordered on the bank's website or in the mobile application (iOS, Android. Windows Phone).

On average, a card is produced within a week. When ready, the card will be delivered to place and time agreed by you... The courier will hand over the card, you will sign the documents and you will be photographed as a keepsake.

Delivery of cards is carried out in limited list of cities.

Unconditional free card service.

The cards are issued in 3 currencies: rubles, dollars and euros.

Percentage on balance (PNR)

Rocketbank calculates interest for any remainder on the account in the amount 5.5% per annum in rubles. By cards in dollars and euros, the percentage is 0.5% and 0.1% respectively. Interest accrued daily by the amount of the account balance "in the morning", and paid monthly, on the "client's day". The day of the client is the day of the month corresponding to the date of receipt of the card.

Cashback

Rocketbank charges 1% cashback points (called "RocketRubli") for all purchases, and an increased Cashback up to 10% at certain points of sale. Every month, for each city, 5 options are offered, of which you must choose 3. Maximum amount possible cashback by "Rocketrubles" 10 thousand per month.

In general, the cashback program is not interesting, and here's why:
"Rocketrubles" by themselves you can't spend, you can only compensate for an earlier purchase: Roketrubles will be debited, and real money will be credited to the card account. The refundable purchase must be a minimum of 3 thousand rubles, must be completed no earlier than one month before compensation, and must be fully covered by "Rocketrubles", that is, if there are 4000 bonuses, the purchase for 4500 rubles cannot be compensated.

A more interesting loyalty program, where cashback is awarded in points, but the points are very conveniently converted into rubles - is.

Cash replenishment and cash withdrawal

Top up card cash no commission is possible only in the offices and ATMs of Otkritie Bank.

You can withdraw cash at any ATM, but no more than 5 times a month... What is noteworthy, this limit also includes withdrawals from the “native” ATMs of Otkritie. The only difference is that cash withdrawal at the "native" ATM is limited only daily limit v 300 thousand rubles, and at third-party ATMs in one operation can only be removed 10 thousand rubles.

WITH 01.12.2018 You can take off before 150 thousand rubles per month at third-party ATMs, without limitation on the amount of one operation.

Thus, it can be argued that using only third-party ATMs, we can withdraw exactly 50 thousand rubles per month without commission (5 withdrawals of 10 thousand rubles each). For the sixth and subsequent withdrawals - the commission will be 1.5%, but not less than 50 rubles.

Incoming and outgoing Card2Card (c2c) transfers

The card allows you to "pull" funds from yourself using c2c, that is, it is free c2c donor.

Rocketbank card itself knows how to "tighten" money from other cards. This functionality is available in the mobile application. Minimum amount for free top-up in this way - 5 thousand rubles, for replenishment with smaller amounts, the bank charges a commission in the amount of 1.5%, but not less than 50 rubles.

Also, Rocketbank has set limits for C2C replenishment: one transfer - 65 thousand rubles, daily limit - 300 thousand rubles, limit per month - 600 thousand rubles.

C 01.12.2018 the card can " push out"from myself to 30 thousand rubles per month no commission charged. Pushing is the same c2c transfer, but initiated from the donor bank.

Incoming and outgoing interbank transfers

As in most banks, credits to the account Bank transaction- no commission.

Rocketbank provides 5 free interbank transfers per month, for a total amount not more than 1 million rubles... If the number or amount of transfers is exceeded - commission 1.5%, but not less than 50 rubles.

WITH 01.12.2018 You can transfer by requisites up to 1 million rubles per month - no commission charged... The commission for transfers over the limit will be 50 rubles per transfer.

It is possible to send expedited transfers using the BESP system, but the outgoing interbank market is already processed rather quickly. The commission for an expedited transfer in the BESP system will be 1.5% of the amount, but not less than 50 rubles.

Service features

Paid SMS-informing (50 rubles / month).

Of the remote service channels, only the mobile bank application is present. For the 21st century, this is generally normal. It should be noted that the functionality and usability of the application are at a high level.

The mobile application has the ability to create separate safe accounts(in other words - piggy bank accounts). Accrual of% on accounts is similar to the card.

Ruble and foreign currency deposits

Dollars and Euros can be purchased in the app by quite favorable rate... Accounts in cash can be topped up at the Otkritie Bank branches.

As a service Rocketbank and the bank servicing the accounts - "Opening"- has the right to change the terms of customer service at any time.

According to 115 FZ, the bank may request origin documents, to clarify economic sense operations, block card and disconnect from RBS if you suspect a violation of the law.

It is worth making a reservation right away: "Rocketbank" is only a service that allows the client to interact with the bank servicing the account through a well-thought-out and laconic web interface - "Otkrytie".

As a result, we get convenient access and good technical support, one of the most high interest for the balance, free interbank transfers and cash withdrawals at any ATMs without a commission (both no more than 5 times a month), while our account is opened in one of the large, systemically important banks.

Based complex system savings and write-offs bonus points("Rocketrubley"), cashback on the card is of little interest.

We receive a salary, for example, on a Sberbank card, or another bank, whose proposals for PNO and cashback do not suit you,
We "pull" for free via C2C to Rocket, leave some of it on the card, or transfer it to a safe account,

banking products

Valentin Prokhorov

Looking for a bargain home delivery debit card? Pay attention to the unique offer from Rocketbank virtual bank. Financial reliability along with favorable rates and convenient account management through mobile app make the card as comfortable to use as possible. The article will acquaint you with the basic tariffs and capabilities of the Otkritie-Rocket card.

Rocketbank card terms

The main advantages of Rocketbank chip debit cards:

Free card opening.
Reliability financial transactions thanks to 3D Secure technology.
Possibility of delivery of the card by courier to the client's home.
No commission for transferring funds up to 5 thousand rubles. to a Rocketbank card from a card of another credit institution via a mobile application.
Favorable interest on the balance of funds in the absence of conditions for the fulfillment of additional criteria in the form of a minimum balance or a certain turnover of money.
The ability to transfer funds from 5 to 10 times free of charge to any financial organization.
The presence of a bonus program.

Disadvantages of debit plastic cards from Rocketbank:

The debit card is managed exclusively through the smartphone app. There is no internet bank.
Paid SMS-informing service will cost the cardholder 50 rubles. per month.
Cash deposits on the Rocketbank card are made exclusively through the cash desks of the Otkritie bank.
The right to change tariffs and terms of service of the card by Rocketbank in unilaterally.
Suspension of service in the system in case of non-use of the account by the client for more than three months.

According to the terms of providing the Otkritie-Rocket card, the client agrees with the provision of personal information to third parties within the framework of the law "On Personal Data".

Cozy Space Map

Chip debit card Cozy Space from Rocketbank is issued and serviced free of charge, without compliance additional conditions... The use of the card is beneficial to the client due to the accrual of:

8% per annum on the balance of funds;
rocket rubles for purchases with a card from 1 to 10% of the cost.

From cards of Russian banks to a Rocketbank card through a mobile application are carried out at the following tariffs:

one-time transfer from 5 thousand rubles. is free;
one-time transfer up to 5 thousand rubles. with a commission of 1.5%, but not less than 50 rubles.

Money transfers between Rocketbank cards are made free of charge and without restrictions on the amount.

Limits for replenishing a Rocketbank card account from cards of Russian banks:

up to 300 thousand rubles per month;
no more than 50 thousand rubles in one operation;
up to 150 thousand rubles per day for 5 operations.

Re-issue of the Cozy Space card is made automatically at the end of its validity period at no additional cost. Re-issue at the initiative of the client will cost 350 rubles.

Purchases and operations with a Rocketbank debit card have restrictions:

up to 600 thousand rubles daily and monthly limits for online purchases;
no more than 1.2 million rubles per month and up to 600 thousand rubles. per day for purchases in trade and service enterprises;
up to 10 thousand rubles for one operation at ATMs of partner banks;
up to 600 thousand rubles per month and up to 300 thousand rubles. a day to withdraw cash from ATMs Opening.

Rocketbank cashback

The loyalty program from Rocketbank provides for the return of funds to the cardholder in the form of rocket rubles. One rocket ruble is equal to 1 Russian ruble. The number of accumulated bonuses is checked in the mobile application under the main balance account.

The client receives bonus rubles in two ways:

paying for any purchases with a card;
by participating in the "Bring a friend" campaign.

Payment for all purchases by card provides for a cashback of 1%. Up to 10% of bonuses can be obtained when shopping in favorite places, the list of which is provided to the client in the mobile application. It is possible to add your favorite place to the bank list.

Last year, the Rocketbank application appeared in the AppStore for iPhone owners. At the beginning of the year I also became a client of Rocketbank. I was issued a card with service of 75 rubles per month. At the same time, since February, I have been charged with interest on the balance of my account. I have chosen this card for keeping money. The main advantage of this card is the ability to transfer from card to card for free. Rocketbank does not take commissions. But as it turned out, other banks take commissions for outgoing transfers. Promsvyazbank is guilty of this (although it was not so in May), 150 rubles is being blocked by MKB. Raiffeisenbank transfers without commission and it did not work at all to transfer money from the Yandex Money card (the transaction went through, then it was canceled). The advantage of the service is its mobile application + the ability to withdraw money from any ATM of certain banks without commission. But Tinkoff also has this advantage, especially since Tinkoff himself began to install its own ATMs throughout the Russian Federation.

On this moment You can get a card from Rocketbank by installing a mobile application on Android or iPhone

Application for obtaining a Rocketbank card

Application + Rocketbank card for Android

Rocket bank can be said to run around the banks, since it is not a bank itself.
At first I used Rocketbank. Then the license was revoked from Interkommerats and the card was no longer needed. I got my money from the DIA.
I had to go to Moscow, Otrytie Bank did not give any data on the amount of the deposit.
Otkritie Bank turned out to be a very bad bank. Card rates have gotten very bad.
Upon receipt of the refund, Otkritie Bank tried to sell me consent to the processing of my personal data. I did not behave honestly right away.
In general, such a bank is in the furnace. (As it turned out, I was right - the bank sanitizes the Central Bank, there is nothing to catch in such a bank)
In August 2017, Rocketbank changed its owner again. Now it is owned by Qiwi Bank.

I now use Tinkoff debit, which I advise you too. At Binbank ATMs, 30 thousand can be withdrawn at a time without any commissions. With the closure of OPC, the Rocketbank card has become just a useless piece of plastic.

Getting started

Consider what it is- Rocketbank. You can register and receive a card. The RocketBank application is a kind of response to complex and almost non-customizable Internet banking systems. In terms of service, the application pleasantly surprises with its convenience and design, and the process of using standard banking services (transfers, statements, interface) resembles in style the social networks familiar to many.

In order to use the application, you need to download it to your smartphone and place an order for a bank card - platinum visa. In this way, Rocketbank is somewhat reminiscent of the work scheme of Tinkoff Bank, which also works with clients through remote communication channels, without using offices.

Perhaps the most interesting function of the application is the ability to make automatic analytics of your expenses (analogous to the budget) not only on your account, but also jointly - with any other user who agrees to this.
The Rocketbank app also allows you to:

transfer money from the account to any user from the phone's contact list in one click (free of charge or for 0.5% - depending on the tariff);
moreover, the recipient will then be able to choose how he wants to receive the transfer (i.e. the details are entered by him, not the sender of the payment);
top up your account free of charge from any bank card or through terminals;
depending on the tariff - 5 or 10 withdrawals per month without commission at ATMs (hereinafter - 50 or -75 rubles / withdrawal);
9% per annum on the balance of funds (if it is at least 30 thousand rubles), plus cashback on all purchases 1% -1.5% with bonuses, which you can use to pay for purchases in the future (the percentage depends on the selected tariff);
account transactions feed with flexible search and tags (in the style of Facebook feed);
online technical support in a youth style;
no commissions for notifications about transactions;
two tariff options - 290 rubles. or 75 rubles. (per month);
if there is not enough money, there is no charge of commissions to the overdraft (but the service is suspended).

There are, however, a few more points that are not explicitly indicated, but are present in the tariffs. For example, such restrictions are on the total amount of replenishment per month (160 thousand rubles);

for the total amount of transfers: to the accounts of individuals per month (300 thousand rubles), from card to card (100 thousand rubles);
for the total amount of withdrawals from ATMs per month (500 thousand rubles or 1 million rubles - depending on the selected tariff);
for the amount of transfers / top-ups per day (75 thousand rubles), etc.

However, for all the attractiveness of this application, you should pay attention to a number of features of its use. For example, the fact that Rocketbank is not a bank licensed by the CBRF. But then what are the reasons for him to provide banking services in the Russian Federation? And is clients' money protected by the state deposit insurance program? What about data transmission channels and confidentiality of personal data? Let's try to figure it out.

What is Rocketbank?

On the Internet you can find such a description of Rocketbank - as “ virtual bank”. But legally, such a term does not exist in Russia. If you want to provide banking services (especially when it comes to working with money of the population), then you need to obtain a license The Central Bank RF. However, on the website of the Central Bank of Russia (www.сbr.ru), there are no banks in the directory of credit institutions that contain the name “Rocket”. On the website of Rocketbank itself (www.rocketbank.ru) in the FAQ section it is stated that Rocketbank is “a Visa card plus an application for managing a card account through an iPhone”. At the same time, the money is kept in an account with a partner bank (Otkritie Bank), and it also provides all banking services. That is, Rocketbank is a service that provides “comfortable interaction between the client and the bank and makes it possible to manage all services through the application”.

The question arises - how are the relations between the client, Rocketbank, KB "Interkommerts" formalized? And what is Rocketbank after all - a bank subdivision or an independent legal entity? In the process of studying the site, it turns out that the tariffs of Rocketbank are actually divided into two parts: the tariffs of Rocket LLC and the tariffs of KB Interkommerts. And the tariffs of Interkommerts contain the first hint of what Rocketbank is: “Tariff for issuing and servicing Visa Platinum RocketBank payment bank cards for members of the Rocket Club loyalty program.

That is Rocketbank Is a separate legal entity (LLC), which is a loyalty program for the bank (somewhat similar to the Malina-Raiffeisenbank program, where cashback is also credited in the form of bonuses). And the money itself still lies in an account with a bank with a license (and the bank is included in the deposit insurance system). However, a whole series of new questions immediately arise:

Why is the application for the iPhone owned not by a bank, but by a certain LLC? And on what legal basis is this LLC included in the exchange of information between the client and the bank and receives the client's confidential data? And these are passport data, payment, extracts, etc.
Why on the most bank card there is no logo of the issuing bank, but there is only a certain trademark of Rocketbank? ...
How are the transfers made legally then? After all, the client does not send a payment order directly to the bank, but through the application of a third party. Will the bank bear any responsibility in the event of fraudulent or erroneous transactions through an application owned by a certain LLC?

Some legal features of Rocketbank's work

Let's turn again to the Rocketbank website in the "Rules" section. It contains the item "Offer" and it contains all the answers to the above questions. You can pay attention to the points

For an ordinary user, the difficulty lies in the fact that the full text of the offer takes 30 A4 sheets. Since it is not possible to present them even in a concise form within the framework of this article, we will dwell on some interesting points:

Rocket LLC - under the offer agreement becomes the Client's Proxy (his Agent). The client remotely (through this LLC) transmits orders to the bank, where an account is opened for the client. These are instructions: for payment, for requesting statements, for signing some documents with a bank, etc. Orders are transmitted via a smartphone application (or through the Rocket's call center) (clauses II.1, III.1, IV.2, V.1.) By the way, Rocket has the right to unilaterally terminate the work of the call center (clause III .nine)
Rocket can change the offer agreement and tariffs unilaterally. If the client, 5 days after their change, does not terminate the relationship with Rocket, it is considered that he has accepted the new conditions (clause I.13)
Interkommerts is a partner bank. But there may be others (clause II.1.). Roket himself does not provide banking services - only agency services (V.5.) But Roket can unilaterally change a partner (i.e. bank) (clauses V.8., XI.6.) And on behalf of the client can conclude agreements with other banks (clause V.1.).
If Rocket needs a power of attorney from the Client for some actions, then the client is obliged to give it (clause V.4.). But at the same time, all the risks when using electronic signature and remote communication channels (via telephone, Internet) are borne by the Client himself (clause III.9, clause VII.8).
The client can give Rocket access to the list of his contacts in his smartphone (clause III.6), but no one asks for permission from the contacts themselves. At the same time, Rocket may transfer information concerning the Client to “affiliated persons, agents and partners, as well as other third parties, if necessary for the execution of the Agreement”.

To summarize, as far as you can understand the offer, it apparently follows from it that:

Rocketbank is (essentially) a private client bank owned by a private legal entity. All confidential information(Name, passport, address, financial transactions, and through them details personal life customer, phone number, contact list, etc.) are in the hands of that intermediary agent. How will the agent manage such a database?
The Bank does not bear any responsibility for the relationship between the Client and the Proxy (agent) of this Client. How secure is the system of these relationships from fraud? And it's not just about protecting communication channels.
Judging by the offer, the Agent transfers all the risks of using the application to the client.
The logo of a particular bank is not indicated on the card, apparently, precisely because the Agent can change the bank (and unilaterally). Will this new bank reliable?
The agent is OUTSIDE banking and financial regulation, because is not, formally, neither a payment system nor credit institution nor a trustee. Such a firm can be sold to anyone (with unclear consequences).

Free Rocketbank card with cashback up to 10%, interest on the balance of 7.5% and 5 free withdrawals per month

5 (100%) 1 vote

Find free card with cashback and good interest for the remainder is now almost impossible. It is even more difficult to find such a card from the systemically significant, stable, and even the largest private Bank of Russia - Otkritie Bank. It is under his wing that the Rocketbank brand operates. This very rocket bank issued a free debit card with a cashback of up to 10%, a percentage of the balance of 7.5% without conditions, made it possible to withdraw money without a commission at any ATM in the world and even make free interbank transfers. And all this beauty is absolutely free!

What is Rocketbank?

Rocketbank is a group of people who have developed a convenient mobile application, card and tariff and are actively promoting this product. All accounts and cards issued under the Rocketbank brand are on the balance sheet of Otkritie Bank, which means they are insured.

In general, the rocketbank has two tariffs - the free Cozy Space with a sea of goodies and interesting things and the paid All Inclusive for 290 rubles a month with everything that the free Cozy Cosmos has, but with increased limits and opportunities.

Because we consider it wise to use the card, getting the maximum benefit from it with minimal investment, in this review we will only talk about the free plan. He has plenty of opportunities to use it.
If we talk about the free plan very briefly, then it looks something like this:

But let's take a closer look at the card to understand why it can be a great alternative to any paid card with a similar set of features.

How to get a Rocketbank card?

At the moment, the card is delivered here in these cities:

However, this list is constantly growing, so if your city is not in it, it may very soon be there. Refresh the project home page occasionally.

You can apply for a card on the official website of Rocketbank, or you can follow a special link from Dengomer:

Everything is in order with cashback and discounts at Rocketbank. There are a lot of ways and places where you can get it. Therefore, to earn the coveted 3000 rocket rubles with active use cards won't be a problem.

Rocketbank has a lot of stocks, chips, buns and other delights. All of them can be found on the page https://all.rocketbank.ru

Interest on the balance on the Rocketbank card

Rocketbank charges 7.5% per annum on the card balance. No additional conditions. No minimum and maximum thresholds. 7.5% per annum on any card balance always. In real rubles, a simple replenishment of the card account.

Accrual is made once a month on the date following the date of card activation.

For example, if you received and activated the card on March 26, then on the 27th of each month your morning will begin with a pleasant ringing of coins, announcing the accrual of interest on the balance :)

Cash withdrawal from Rocketbank card

You can withdraw cash from a Rocketbank card 5 times a month at any ATM in the world for free.

Starting from the 6th time, the Bank will take a commission of 1.5% of the withdrawal amount, but not less than 50 rubles:

In the mobile application, right on the main screen, there is a counter of free withdrawals for the current month, which is very convenient:

On the 1st day of each month, this counter is reset, and 5 free withdrawals are available again.

As a rule, 5 withdrawals per month are enough for the average citizen, but if, nevertheless, you withdraw much more cash per month, then you can submit an application for transfer to the accounting department of your employer wages according to the details of your card account in Rocketbank, and then you will be transferred to a special, salary rate, according to which you can withdraw cash an unlimited number of times without commission. To go to new tariff receive your first salary to your card account and report it to the Bank's Support directly in the mobile application.

In total, no more than 300,000 rubles per day can be withdrawn from the Rocketbank card per month, no more than 600,000 rubles per month, or without any restrictions at all at ATMs and cash desks of the Opening:

Replenishment of the Rocketbank card

The card can be replenished from a card of another Bank directly in the application:

The minimum amount of replenishment of a Rocketbank card from a card of another bank without commission is 5,000 rubles. If you top up for a smaller amount, the Bank will take a commission of 1.5% of the top up amount, but not less than 50 rubles:

Also, the card can be replenished free of charge by interbank transfer from another Bank, and without restrictions on the amount:

Another convenient and free way to replenish the Rocketbank card is using ATMs of the Opening Bank with the function of accepting cash:

If, instead of the Discovery ATM, you decide to use the cashier, then when replenishing the card for an amount of less than 30,000 rubles, the Bank will take a commission of 300 rubles, in all other cases - free of charge. You can also replenish the Rocketbank card through ATMs and terminals of the Moscow Credit Bank, but with a commission of 0.5% of the withdrawal amount.

There are always third-party services for replenishing Rocketbank cards with free or not entirely free methods. For example, you can withdraw money to a Rocketbank card using the Coin, Faktura.ru, Eleksnet wallets, for another 1.5% money is withdrawn from the QIWI wallet to Raketa, etc.

There are plenty of ways to replenish your card - for every taste and color. The main thing, when using any of them, is not to forget about the limits and possible commissions.

Interbank transfers and c2c

5 times a month you can make interbank transfers free of charge:

The 6th and each subsequent interbank transfers until the end of the month will cost 1.5% of the transaction amount. The same commission will be taken if you reach the limit on the total amount of transfers of 1 million rubles. On the 1st day of each month, these counters and limits are reset to zero.

As for c2c transfers, as already mentioned above, replenishment of the Rocketbank card using the Rocketbank application itself is free with a top-up amount of 5,000 rubles or more, transfers to other cards through the Rocketbank mobile application will also cost with a commission:

We do not recommend transferring money from a Rocketbank card to a card of another Bank using the Rocketbank mobile application. It is better to send an interbank transfer to this card using the account details: although it is not instantaneous, it is free. And it is best to “pull” money to the same card of another Bank, using the c2c service of that Bank, because the Rocketbank card is an excellent free donor, i.e. allows you to "pull" money from yourself for free for any amount, without restrictions and limits.

Also, as an option, if you have a debit Tinkoff map Bank, you can "push" money out of it using the c2c service of Tinkoff itself. The money will be credited to the Rocket card instantly. the transfer was initiated not from the Rocketbank mobile application, then you, thereby, also bypass the restriction on the minimum amount of 5,000 rubles. You can "push" with Tinkoff Bank even 10 rubles, Rocket will not take anything for it.

Remember that you can make c2c transfers for free and instantly, not between any cards. There are a number of banks that charge commissions for incoming and / or outgoing card-to-cards, and some can deposit money up to three days. We have already written about such banks and such transfers in this article:

Rocketbank mobile application

It is the Rocketbank mobile application that gives you access to your card account and all analytics and services, because Rocketbank does not have an Internet Bank, but the Bank's representatives report that it will be soon.

But the app is very user-friendly and one of the best Banking apps in the country:

With the application you can:

Keep track of the statement on the card, the accrual of rocket rubles;
Compensate the purchase with rocket rubles;
Conduct card analytics (you can even enable general analytics with another Rocketbank client);
Communicate with the support of the Bank;
Choose "favorite" places with increased cashback;
Find out how many free withdrawals per month are left;
Make interbank transfers, payments, top up a card from a card of another Bank;
Find out the details of the card account (for example, in order to replenish the card by interbank transfer or fill out an application for the transfer of salary to the Rocketbank card);
See where you can find nearby for free or with minimum commission top up the card in cash;
Find out about all places of increased cashback and places where you can get a discount when paying with a Rocketbank card;
Change card PIN, wallpaper, avatar, etc.

Speaking simple language: you can do everything in the Rocketbank mobile application! Indeed, the Rocketbank mobile application is the Rocketbank itself, because it is the main mouthpiece for card management.

Rocketbank deposits, accounts and currency cards

In the Rocketbank application, you can open a deposit. The deposit rate is higher than the interest on the account balance:

This is very good rates on the deposit market, especially in rubles.

But such deposits have significant limitations in comparison with simple storage of funds on the card account: the money deposited in the deposit cannot be returned until the end of the deposit term without losing interest. Also, the deposit cannot be replenished before the end of its term (but this is not a problem at all - you can, after all, open another one).

If you urgently need money from the deposit, then in order to receive it, you will have to close the deposit ahead of schedule, but with practically no interest. Those. Just the body of the contribution will be returned to you.

If you need currency card, then Rocketbank will also issue a card for you in dollars or rubles - just write about it in the support chat of the mobile application.

Apple Pay and Samsung Pay

The Mobile Advanced Youth Bank could not have been called that if it did not allow you to pay for purchases with your cards using Apple Pay and Samsung Pay:

You can read our reviews about and to understand how good these technologies are and how to link a map to them.

Rocketbank support

This is a special "chic" feature of Rocketbank. The guys from Rocketbank support communicate in the support chat, as a rule, in "you", at ease and even with humor. This is the special, special approach of Rocketbank: to be not just a “aunt-teller” on the other side, but “your boyfriend”, a friend who will tell everything as if in spirit and help everyone in any way he can. Sending a love avatar or telling a joke to a client is in the order of things for the guys from Rocketbank support, and therefore it is much more pleasant to use their help:

Rocketbank game

You can additionally earn up to 250 rocket rubles in a special flash game at http://s3.rocketbank.ru/open-game/index.html:

The essence of the game: destroy all flying asteroids, comets, pick up occasionally flying astronauts, various protection and health restoration, etc. The points that you will earn in this game will be your additional rocket rubles, which will be awarded to you if at the end of the game you indicate the phone number to which your card is linked.

You can play the game as much as you like, constantly improving your results, but you can send only one result for accrual.

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And even then he said that he was very addicted to this service. I was satisfied with literally everything, from the design and status of the card, to the incredibly friendly technical support and a convenient mobile application.

Why write about it again?

Much has changed over the year: the service has become even better, managed to run into problems and arrange a loyalty check for customers, but withstood all the troubles with honor and acquired a new reliable partner. And at the same time Rocketbank has become a precedent in the Russian banking... All this will be discussed further in the text, but for now there are a few details about the service itself.

Yes, Rocketbank is a service. In fact, it is a layer between a client and a real bank, offering a convenient mobile application, clear and friendly terms of service and much less conservatism. To become a client and order a card, just fill out the form on the website. The receipt of all documents and delivery of the card is carried out by courier service, that is, everything will be brought to you at a convenient time and place. And if you need to solve some issue, the application has a technical support chat, in which experts will help and tell everything in understandable language without complicated banking terms... You can also order any certificates there, they will also be delivered at any time by courier.

So what was Rocketbank's problem?

Recently, in the history of Rocketbank, there was an incident with Interkommerts, which had previously been their partner. In January, the bank began to experience problems with liquidity, and the Central Bank decided to introduce a temporary administration, which led to the suspension of its activities and the subsequent revocation of the license. Even those who did not know anything about Rocketbank have probably heard about this story. Close attention to this situation was attracted by the fact that until now, after the bank was closed, the client was left alone with his problems: he was deprived of his usual mobile applications and related services, he was forced to look for a new bank, re-open an account and issue a card, and then waste time and stand in line for the return of insured deposits. Until now, after the license was revoked, a point was automatically put in the communication between the client and the bank.

Rocketbank was able to change our understanding of this and show another possible scenario. The service as an intermediate link between a person and a bank is flexible, so that clients could move to another bank (in this case, PJSC Khantymansiysk Bank Otkritie, hereinafter referred to as Otkritie Bank), issue new cards for even more favorable terms... Thus, despite the problems of Interkommerts, Rocketbank's clients were able to continue using their familiar and favorite service. In all fairness, not everything went smoothly. For some time, the money on the clients' accounts was frozen, not everyone had time to receive new cards - Opening - Rocket. Nevertheless, the customer loyalty earned during its existence helped Rocketbank to cope with this situation. And as a bonus, the Otkritie service and bank were even able to make it so that filling out an application for a refund through the Deposit Insurance Agency and their subsequent enrollment on new cards took place through a mobile application. Rocketbank's clients did not even have to get up from the couch to get their money back. Until now, this seemed impossible with any of the existing banks.

Well, is everything safe now?

Since 2016, Otkritie Bank, which is a system-forming bank in our country, has become a strategic partner of Rocketbank. It is big, stable, reliable. In terms of assets, Otkritie FG is on the 4th line in the rating of Russian banks. In other words, if until now the partners had a middle peasant bank, which ultimately ended up under the gun of the Central Bank and lost its license, then the reliability of Rocket's new partner is beyond doubt. Rocketbank was able to deal with crisis situation and draw the appropriate conclusions.

What about the new app?

By the beginning of the partnership with Otkritie, Rocketbank prepared global changes in applications for all operating systems: iOS, Android and WP. The applications are already available in stores for download, and from myself I can say that these are really very large and important updates. In fact, we are talking about applications created from scratch in which the design has completely changed. They have become more beautiful and more convenient, and also acquired many new features and functions. It may be a little strange for conservative users at first, but it will soon pass. As for the design and functionality of applications, there is nothing to criticize Rocketbank for - it turned out really cool.

The two most important innovations are cashback and safe accounts. Now there is a separate item in the application, which contains all the information about your cashback: savings for all time, expenses, tips about purchases that can be compensated with rocket rubles. And in addition to deposits with different terms, convenient safe accounts have appeared. At first glance, they look like a regular deposit account within the application, but they offer instant withdrawal and replenishment of funds, and the interest on the balance is 8% per annum. It is convenient to use these accounts as a piggy bank, and the advantage over deposits is that they are replenished and you can withdraw money at any time.

What other new items have appeared?

Now the Rocketbank card is issued from payment system Master Card and has World status. This is equivalent to the previously issued Visa Platinum premium cards, so that users will not lose in privileges, but someone bonus program I even like Master Card more than Visa. The cards are all also equipped with a Pay Pass chip; they can be paid in stores by simply placing the card to the terminal without having to enter a pin code for an operation of no more than 1,000 rubles. The Android app now has the ability to sign in with a fingerprint on phones that have a scanner. Rocketbank became the first in Russia to implement this feature in an application. An app for Android Wear watches is also coming soon.

Even in Rocketbank, new providers appeared to pay for services. Now the list of companies is not limited to a couple of dozen. Everyone will find what he needs: utilities, state services, communications, the Internet and a lot of other things can be paid without a commission from the Rocket. Each operation has a schedule for spending funds. You can see how much you spent on certain payments. However, any other card transactions are also displayed in the form of convenient graphs.

Transfers to friends in Rocketbank and to cards in other banks are still instant. In addition, you can also transfer using the details, while the money is credited within a few hours on weekdays. The personal page in the Rocketbank type has not gone anywhere either. With its help, you can always arrange a fundraiser for some events and holidays, transfer it to friends after joint dinners in a restaurant, or just ask your loved ones to transfer money to your card. Other innovations include new decorative covers and themes that change depending on their color scheme. Also, it became possible to change the PIN code of the card directly from the settings, the analytics of expenses improved, a new application for Apple Watch with extended functionality.

Probably the service is expensive?

While Interkommerts was Rocketbank's partner, users had two tariffs to choose from: Cozy Space with free service subject to expenses of 3,000 or more rubles a month, or expensive All Inclusive. Now, after the start of the partnership with Otkritie, the first tariff has become free, regardless of expenses during the month, and the second costs 290 rubles per month.

The difference is that Cozy Space allows you to withdraw money 5 times a month at any ATM without commission, and All Inclusive - 10 times. In the first case, replenishment from a card of another bank for an amount of less than 5,000 rubles will cost 1.5% of the amount, but not less than 50 rubles, and in the second, it is always free. And the "All inclusive" tariff allows you to transfer money to cards of other banks without commission. If you often pay by card, almost never withdraw cash and transfer money to clients of other banks, it is most profitable to choose the "Cozy Space" tariff. And those who actively use ATMs and transfer money back and forth should choose All Inclusive. However, in the application, you can change the terms of service at any time, starting next month.

They say Rocketbank is profitable?

Personally, I manage to save a lot thanks to: cashback for all operations and increased cashback in three favorite places per month, percentage on the rest, as well as special promotions from partners. All this in the short term does not give very much large sums money, but it is worth counting for a year - it runs up decently. For example, I received a cashback of 9,340 rubles, saved on haircuts at Noir (Rocket clients receive a 15% discount) at 250 rubles at a time or 2,000 rubles for all my visits, and a monthly coffee for a ruble in DoubleBi left an "extra" 2,100 rubles on my account ...

Besides, small amounts were added monthly as interest on the balance of funds. It is problematic to count them accurately, since after economic situation in the country the rate "floated". At the moment, the balance is charged monthly at 8% per annum. As a result, for a year of using Rocketbank, I got about 14,000 rubles in savings.

Are there any other promotions?

If we talk not only about my scenario of using Rocketbank, the savings for a year of using the card may turn out to be even greater. For example, I recklessly rarely used the increased cashback in monthly changing “favorite” places. And I could also fly on vacation a couple of times and get an increased cashback for booking rooms on Booking.com. Or gouging an iPhone, and then fixing it at a discount. There can be a lot of such examples, because in the Rocketbank application there are 20 offers of partners, among which everyone will find something interesting.

Affiliate programs in Rocketbank are collected on a special tab and divided into categories: travel, clothing, lifestyle, beauty, entertainment, home, cafe. Special offers start with a 1.5% refund of the amount spent on Booking.com or Rentalcars.com, ending with 20% discounts on the Raduga brand of basic clothing, 50% on dry cleaning with home delivery, 10% on equipment repairs in iSupport, so much the same for the purchase of jewelry in "Sugar" and eyebrow care in the Brow Bar. From time to time, some promotions end, new ones appear in their place. Rocketbank is constantly looking for new partners that can be useful to the users of the application. And the more often you use it, the more more money saves you a card.

So why am I still addicted to Rocketbank?

I like everything about Rocketbank: premium cards with free service, excellent mobile applications, the benefits of using them, and the fact that the service is constantly evolving and getting better. In addition, I was skeptical about Rocketbank's promises to find a way to simplify the return of money "stuck" in Interkommerts, so I mentally prepared to look for time to go to the bank, write a statement and stand in queues. But Rocket managed to make it all happen in literally 30 seconds through a mobile application and a browser. Because of all this, I really enjoy using the Rocketbank card.

By the way, you can use my

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Rocketbank debit card to order. Rocketbank debit card "Rocket". Release and maintenance