Service of online transfers from card to card. All about the plastic card Yandex money. Withdrawal limits and fees

Transfer from card to card was carried out by Alfa-Bank in accordance with the terms and conditions of the international payment systems MasterCard and VISA using MasterCard MoneySend and Visa Personal Payments "Visa Payments and Transfers" technologies.

Transfer from card to card through the website, mobile application, Internet bank "Alfa-Click", as well as the sites of the bank's partners RuRu, Banki.Ru, Odnoklassniki, CreditCardsOnline is carried out on the basis of the "Agreement on the conditions for the provision of services by JSC" ALFA-BANK " Transfer from card to card ".

Limits

Maximum amount one operation - 600,000 rubles of the Russian Federation.
The maximum amount of all transactions during the day using one card is 2,000,000 Russian rubles.

Limits for depositing funds to Alfa-Bank cards from cards of other banks, as well as transfers between cards of Other banks, are limited only by the above limits.

Tariffs

• 5.9% (minimum RUB 100) - from a credit card of Alfa-Bank Russia to a card of Alfa-Bank Russia or a card of another Russian bank;
• 5.9% (at least 100 rubles or 3 US dollars or 3 euros) - from a credit card of Alfa-Bank Russia to cards of foreign banks *.

Terms of enrollment

• instantly - to the cards of Alfa-Bank of Russia;
• within 5 minutes (in some cases, the transfer period can be up to 3 days) to cards of other banks.

* The list of foreign banks is presented in the Countries block in the International transfers tab.

Limits

From 12.09.2018, the limits for transfers from card to card are common for the client and are summed up for all cards of the client. Limits are set only for the sender's card.
Limits for transfers from card to card in Alfa-Bank channels (Internet Bank, Alfa-Mobile, Bank website, ATM):

Limits for transfers from an Alfa-Bank card to any card in third-party channels:

For each card (Bank or Third party bank) the following limits are set:
The maximum amount of one transaction is 100,000 Russian rubles.
The maximum amount of all transactions during the day using one card is 500,000 rubles of the Russian Federation.
The maximum amount of all transactions per calendar month using one card is 3,000,000 RF rubles.

Limits for depositing funds to Alfa-Bank cards from cards of other banks, as well as transfers between cards of Other banks, are limited only by the limits indicated above.

Tariffs

• 2% + 40 rubles or 1.3 US dollars or 1 euro - between cards, if one or both cards are issued foreign banks and the sender's card is not by credit card Alfa-Bank;

• From cards of Alfa-Bank and from cards of other banks of the Russian Federation of the MasterCard or Visa payment system to cards issued in the countries:
  Australia, Austria, Azerbaijan, Albania, Angola, Armenia, Bangladesh, Bahrain, Belarus, Belgium, Benin, Bulgaria, Bosnia and Herzegovina, Brunei, Bhutan, Great Britain, Hungary, Vietnam, Gabon, Ghana, Guinea, Germany, Hong Kong, Greece, Georgia, Denmark, Egypt, Zambia, Yemen, Israel, India, Indonesia, Jordan, Ireland, Iceland, Spain, Italy, Kazakhstan, Cambodia, Cameroon, Canada, Qatar, Kenya, Cyprus, Kyrgyzstan, China, Congo, Kuwait, Laos, Latvia, Lithuania, Liechtenstein, Luxembourg, Madagascar, Macau (Macau), Macedonia, Malaysia, Malta, Morocco, Mozambique, Moldova, Monaco, Mongolia, Myanmar, Nepal, Netherlands, New Zealand, Norway, Oman, Serbia, United United Arab Emirates, Papua New Guinea, Poland, Portugal, Romania, Saudi Arabia, Singapore, Slovakia, Slovenia, Tajikistan, Thailand, Taiwan, Tanzania, Tunisia, Turkmenistan, Turkey, Uganda, Uzbekistan, Ukraine, Philippines, Finland, France, Croatia, Montenegro, Czech Republic, Switzerland, Sweden, Sri Lanka, Equatorial Guinea, Estonia , Republic of South Africa, Japan;
• Between MasterCard cards issued in countries:
  Azerbaijan, Armenia, Belarus, Ukraine, Kazakhstan, Moldova.

Updated 04/05/2019.

In today's article, we will analyze in detail one of the most necessary techniques for anyone, allowing you to more efficiently manage your savings - translation Money from card to card.

Transfer from card to card by card number has many different names: card2card, card-to-card, MoneySend, Visa Transfer, Visa Direct, C2C, moneysend, ci-to-ci, etc. However, the essence of such transfers, of course, is the same: you need to enter the card number, its validity period and the cvc2 (cvv2) code of the card from which you are sending money (donor card), as well as the card number where you want to send money, and the transfer amount itself ...

It is important not to confuse interbank transfers (it is required to indicate the account number, BIK bank, payment purpose) with Card2Card transfers. Their mechanism is completely different. To simplify a little, then interbank transfers are made with the help of the Central Bank of the Russian Federation, and C2C can be compared with regular shopping by card, which take place thanks to International Payment Systems (MPS: MasterCard, Visa) and. You can read more about interbank transfers.

Card-to-card services can be found on the websites of many banks, payment services, various financial portals, even on the banki.ru website there is a card-to-card transfer service provided by Alfa-Bank:

However, operators usually want a commission for such transfers, 1.5-2% of the amount. Usually, but not always. Professional depositors use the C2C service exclusively free of charge.

The fact is that some banks allow using Card2Card transfers to replenish their cards from cards of third-party credit organizations without commission. In the language professional depositors this operation is called "contraction".

It is also important to remember that some banks prohibit making free donors out of their cards, i.e. introduce a commission for drawing from their cards, but there are still not so many of them. Everything in order.

Free replenishment of the card using Сard2Сard transfers. Contraction

In order to withdraw funds for free on the cards of the banks listed below, you need to use the Card2Card service of these particular banks. Those. to replenish, for example, a Tinkoff Black card from a Sberbank card, you need to go to the Tinkoff Internet bank and initiate a transfer from there (so that there is no commission from either Tinkoff Bank", Nor from the side of" Sberbank "). If you use Sberbank's C2C service, then the commission from Sberbank cannot be avoided.

So, you can withdraw money for free on the following cards through the appropriate services:

1

The new "Renaissance Credit" debit card can charge 50,000 rubles / month (calendar) for free:

2

The maximum amount of one transaction is 85,000 rubles. The monthly limit of replenishment of the BIN card using the SIT-C transfer is 599,000 rubles.

3

You can buy 300,000 rubles per month on a Tinkoff Black card without a commission. The limit for one operation is 75,000 rubles.

UPD: 05.12.2017
Tinkoff Bank cards are able to draw funds, including from cards.

4

From 01.12.2018, the Rocket card has a total limit of 300,000 rubles / month. by the amount of commission-free replenishment with the help of С2С, cash desks and ATMs of "Otkrytie", as well as terminals "MKB". The minimum amount for free contraction is 5,000 rubles, the maximum is 100,000 rubles.

5

The limit is 125,000 rubles for one replenishment. The maximum amount per month is 550,000 rubles.

UPD: 08.02.2017
From 02/06/2017, the minimum amount that can be withdrawn to a Beeline card without a commission is 3000 rubles, if the withdrawal amount is less, then the system will write off 50 rubles.

6

The limit is 125,000 rubles for one replenishment, 550,000 rubles per month.

UPD: 19.02.2017
From 20.02.2017, the minimum amount that can be withdrawn to the "Kukuruza" card without commission is 3,000 rubles, if the withdrawal amount is less, the system will write off 30 rubles.

7 Cards of "Credit Bank of Moscow"

You can buy 100,000 rubles at a time, 150,000 per day, 1,000,000 per month on an MKB card.

8

"Rife" allows you to charge your cards without commission through the R-connect mobile application. The amount of one operation is not more than 150,000 rubles, the daily limit is 300,000 rubles, the monthly limit is 600,000 rubles.

UPD: 01/22/2017
Across new internet bank it is also possible to collect funds for Rife cards.

UPD: 01.10.2016

9

Sovcombank cards can be replenished free of charge from cards of other banks using Card2Card transfers, using our own service in Sovcombank's Internet bank (for one operation, the card can be replenished by 75,000 rubles, monthly limit of 500,000 rubles).

10

You can withdraw money from other cards to the MTS Smart Money card free of charge from 5,000 rubles, if you initiate a transfer through your own MTS service. The maximum amount of one transfer is 75,000 rubles, the monthly limit is 850,000 rubles.

UPD: 14.06.2017
When sending transfers from MasterCard and Maestro cards through the VKontakte social network, no commission is charged for transfers totaling up to 75,000 rubles per month from one user and / or from one card. If the amount of transfers from one user and / or from one card exceeds 75,000 rubles per month, then a 1% commission is charged from the excess amount, at least 30 rubles for the transfer.

Transfers through Odnoklassniki became paid.

UPD: 19.12.2018
Promotion for free transfers from MasterCard and Maestro cards through the service social network VKontakte has been continuously extended since 2017. On this moment it is valid until April 30, 2019.

UPD: 05.10.2017

4

With TalkBank card you can make free outgoing transfers by card number. The total limit for card transfers and cash withdrawals is 60,000 rubles per month.

UPD: 04/08/2018

5 Card "Your cashback" from "PSB"

The "Your cashback" card is one of the few cards from which you can make free outgoing C2C transfers by card number, this Promsvyazbank card can push funds free of charge (like a Tinkoff Black card). The monthly limit (calendar) is 20,000 rubles / month, the amount of one transfer must be from 3,000 rubles.

UPD: 02.08.2018

6

The commission for outgoing transfers from "Multicard" to cards of other banks (outgoing moneysend, pushing) is returned the next month, if the reporting month included purchases in the amount of 5,000 rubles or more. and higher:

UPD: 19.12.2018
The limit for free outgoing С2С has been reduced to 20,000 rubles / month.

7 Samsung Pay

Until 31.12.2018 using Samsung Pay you can send money to other cards without commission from cards of the MasterCard payment system added to the service. To send a transfer, it is enough to indicate the recipient's phone number. The recipient himself decides on which card to credit the transfer, while the recipient's card does not have to be added to Samsung Pay:

The limit for one transfer is 75,000 rubles, daily - 150,000 rubles, monthly 600,000 rubles. The operator of transfers is VTB Bank.

UPD: 19.12.2018
Free transfers from MasterCard cards using Samsung Pay technology have been extended until March 31, 2019:

UPD: 04/05/2019
Users write that transfers through Samsung Pay have become paid, although a commission of 0 rubles is still indicated on the advertising page. for such operations.

8

With an Opencard, you can make free outgoing transfers to other cards in the amount of 20,000 rubles / month.

UPD: 04/05/2019

9

Since November 2018, MKB has a promotion that allows you to make outgoing transfers by card number (“push”) with a monthly limit of 30,000 rubles. Initially, the promotion was planned until January 30, 2019, but then it was extended until the end of April 2019.

UPD: 04/05/2019

10

Since March 2019, Halva has the opportunity to make free outgoing transfers by card number through Sovcombank's own services, the daily limit is 40,000 rubles.

Output

It might seem like Card2Card transfers are tricky, and it is very easy to get confused about all these pushes and pulls. There are too many things to consider in order to make transfers from card to card without a commission. However, there is nothing complicated in this, everyone can figure it out if he wants, of course :)

C2C translations save a lot of time, because allow you to increase the number of transactions that can be performed without visiting a bank branch.

These transfers are especially helpful in small towns where the choice of credit institutions is limited. If in your city there is nothing but Sberbank, this does not mean that you need to use only its services.

Deposits and cards can be opened in others credit institutions offering more attractive conditions when you are in large cities... And leave the native "Sberbank" only for transit. It is enough to replenish the "Sberbank" card, then collect money for some "Kukuruza" or "Beeline" from the PNO, and then send them by the interbank to any other credit organization.

Thanks to transfers from card to card (free, of course), you can get rid of the need to go to a bank branch (if the bank does not have free outgoing interbank transfers) at the end of the term of the deposit and then carry around the city with cash.

Therefore, you need to have several, with the possibility of free pulling from other cards, as well as with convenient replenishment (donor cards) and alternate them periodically.

I hope my article was useful to you, write about all the clarifications and additions in the comments.

In connection with the blocking of Telegram, a channel mirror was created in TamTam (a messenger from Mail.ru Group with similar functionality): tt.me/hranidengi .

Subscribe to be aware of all the changes :)

How to transfer money from card to card for free? No commission. Without paying a penny to the bank for the transfer.

Do you still pay for regular card-to-card transfers? You do not understand what constriction, ejection, donor cards, transit cards are. You don't know how C2C differs from interbank transfers (what is it all about?).

Calmly. There is nothing complicated about it. Just scary words.

I remember myself with a smile a few years ago. I had a mortgage in one bank. A wages received on the card of another bank. First I had to go to withdraw my salary money. Then stomp in mortgage bank and make next payment on a mortgage.

Sometimes, when I was too lazy to wander between banks, I made transfers from card to card. Paying something around 1.5-2% of the payment for the transfer. And I was constantly choked by a toad, to give extra money. So I mostly spent my time going to the banks.

It's much easier now. There are 1000 and 1 ways to transfer money between cards. Almost in one click. Without leaving home. And most importantly, it's free. In "especially difficult" cases, pay 10 rubles for the operation.

We read, apply in practice and save our money. Which are not superfluous.

Inside the bank is always free

As a rule, the service of transferring funds from card to card between clients of the same bank is free of charge.

We only need to know the recipient's card number. And nothing more. In some banks, a transfer is available by phone number (if the card is tied to this number) and even by full name.

We will need access to a mobile or internet bank. Although different banks have differences in the functionality of mobile banks, the principle is the same and intuitive.

Of all my bank cards, only Sberbank takes a commission for C2C transfers - 1% of the transaction amount. Well, at least among the cards issued in the same region, no fee is charged.

From an interview with German Gref: “Sberbank does not plan to cancel commissions for card transfers. This brings the bank a good income. " And turning to face the client is very expensive for him (both for Sberbank and for Gref). "

If you need to make a transfer: top up the card the right bank and we carry out the operation. If there is no such card (the required bank), it doesn’t matter. There are other ways of free transfers in stock.

Pulling from card to card

What does this outlandish term “contraction” mean?

Let's say we need to transfer money from card A to card B. No, not like that.

Let's take a look at specific banks as an example. You need to make a transfer from a Sberbank card to an Alfa Bank card. And in a simple way, to steal money from Sberbank to Alpha.

In our case, the card (Sberbank) from which the money will go will be called the donor card.

All actions will be performed at Alfa-Bank. V personal account looking for the word (button) "Replenishment"

We enter the details of the donor card, in our case Sberbank and the transfer amount.

An SMS code comes to confirm the operation (using a Sberbank card). That's all. The money has been transferred.

The "pull-together" procedure is similar to online purchases. Only the money goes not to the seller of the goods, but to the card you need.

Important! Pulling is usually free of charge. But as always, there are exceptions to the rule. Some banks either do not allow withdrawing money from themselves. Or they take a small bribe. It is usually less than a simple transfer to someone else's bank directly.

How do you know if the bank allows you to draw money from itself? And the amount of the possible commission (paid or free)?

There are two ways: the first and the second.))))

1. We look at the information in the tariffs.
2. Try to steal every last penny from the card. Mandatory in one operation. For example, if you have 8,543 rubles 43 kopecks on your donor card, “pull the entire amount at once”. If the bank charges a contracting fee, the transaction will be rejected due to “insufficient funds in the account”.

List of free donor banks.

• Sberbank;
• ALPHA;
• Tinkoff;
• Home Credit;
• Sovcombank;

By the way, Sberbank distinguished itself here too. You can't pull money on it. There is simply no such button))))

Ejection

A regular transfer from your card to a card of another bank. Here the procedure is the opposite of contraction.

Usually, for this pleasure, most banks want to get a commission from the client. 0.5-1.5% of the transfer amount, but not less than 30-50 rubles per transaction.

For example, if you push money from VTB cards for "someone else's" plastic (not for the bank's client), then the service wants to take 125 rubles for the transfer of 10,000 rubles.

There are several banks that conduct such operations free of charge, that is, for free.

Of course, you will not be allowed to take a walk. There is always a protective limit on the maximum amount of such transfers per month. Usually 10-20-30 thousand rubles.

List of banks:

• Tinkoff gives its clients the opportunity to push out a month - a maximum of 20 thousand rubles. Anything over and above is subject to 1.5% (but not less than 30 rubles).
• - gives a monthly limit of 30 thousand for pushing to cards of other banks. Plastic is completely free. With delivery to the client home.
• ... Transfer to "someone else's" cards is paid. But when spending on the Multicard from 5 thousand for the reporting month, the entire commission for transfers is returned in the next.
• Your cashback from PSB. - Again the limit of 20 thousand per month for pushing. The minimum amount of one transaction must be at least 3,000 rubles.

VKontakte and Odnoklassniki

Social network Vkontakte together with payment system Mastercard for all registered users makes it possible to make payments within the network. It is not necessary to know the recipient's card number. You just need to select the account of the person to whom you want to transfer money.

But in my memory, the promotion is extended every time for 1-2 months over and over again. And so for probably already 2 years.

Terms of transfer:

Transfers are free between Maestro and Mastercard cards. The monthly limit is 75,000 rubles. Further 0.6% + 20 rubles.

Sadder with Visa. All transfers are paid - 1%, but not less than 50 rubles.

How to transfer money to Vkontakte?

On the page of the friend to whom we want to transfer money, click on three dots. And select "Send money"

If this is the first time you do this, the system will ask for your card details. From which money will be debited. Plastic number, term, CVC-code and full name of the owner.

We write the amount and click "send money".

The recipient will receive a notification of the transfer. If his card is not linked, you need to indicate the details of the plastic to which the transfer will be credited.

In the future, everything happens automatically. Sent - received. No data entry plastic.

What does it give us?

You can transfer money to different cards within the limit (75 thousand) from one account.

Advice! If you need to transfer money between your cards, create a second “fake” account. And send transfers to yourself without commissions. Change the sender's or recipient's cards if necessary.

Odnoklassniki has a similar thing. But it became paid. WITH Mastercard cards and Maestro will ask you for 0.6%, but not less than 20 rubles for the transfer. More expensive from cards of other payment systems.

Transfer through special services and banks

The method is not permanent. But it is better to know about it and keep it in mind.

Sometimes there are promotions when you can make transfers between any cards absolutely free.

True, they are not durable like Vkontakte.

We see all the necessary data. We copy the details. Some banks already have a button "Send account details by mail".

If you need to send money for free by interbank transfer. We are looking for the word "Translation". And we fill in all the fields.

In order not to re-enter all the details each time, save the operation to templates (or favorites). Next time, change only the transfer amount, if necessary.

How much is it?

The question of price again depends on the bank. The same Sberbank takes the standard 1% of the transfer amount. Multicard from VTB will compensate the costs of transfers (commission 1%) next month, when spending more than 5 thousand rubles.

We need free or cheap interbank transfers.

Popular cards include Tinkoff Black with free interbank transfers.

How to put this into practice?

If you cannot transfer money directly from card to card. We use an intermediary (or transit) card.

For example, we collect money for Tinkoff. Then we carry out pushing or interbank transfer to the card, the final recipient.

Need to know

Operation limits. All banks, without exception, impose restrictions on the conduct of transfer operations. The maximum amount at a time, per day, per month. The size depends on your tariff and card status. Gold and platinum has a higher limit compared to conventional plastics.

For most, the limits presented are more than enough. Usually they give 100-300 thousand per month.

Commission for replenishment. You will be surprised. But there are banks (or cards) that charge a deposit fee, as stupid as it sounds. We deposit our own money on our own card. And .... let's pay for it. Nonsense. However, this only applies to C2C transfers. Therefore, we carefully study the tariffs.

Here are 2 examples from my experience.

I got a free card at the Opening bank. The main thing for me was the absence of service fees. I needed it to replenish my brokerage account with it.

They gave us a map of the WORLD. Almost without looking signed the docks. Looked only at the main conditions (no service fees). And only at home, I carefully familiarized myself with the tariffs for the World and was a little taken aback.

Replenishment fee - 0.5% but not less than 30 rubles.

Hello, friends!

Active Internet users are already familiar with such payment systems as WebMoney, QIWI and Yandex.Money. They allow you to receive wages, pay for goods and services, make transfers using an electronic wallet. But, besides this, it became possible to bind plastic and virtual means of payment to it for offline settlements. Yandex Money card is one of them.

In 2015 Yandex.Money became the issuer of MasterCard. And they started issuing their own debit bank cards. Therefore, the question of which bank serves Yandex.Money cards is not relevant today. Until that time, Tinkoff Bank was the partner.

You should pay attention to one feature. Previously, cards were issued in Gold status, and now - in World status. It is considered higher because privileges from partner companies have become available to holders.

Payment types

Yandex.Money issues 2 types of means of payment:

1. Virtual- this is free maps, with which you can pay for goods and services on any sites on the Internet.
2. Plastic- cards that allow you to carry out not only cashless payments but also withdraw cash from ATMs.

These cards have one thing in common - they are tied to an electronic wallet. This is the main difference from - they are tied to a bank account.

Let's see where virtual and plastic cards can be used.

In addition, there are two types of plastic cards:

1. Instant (no owner's name on the front).
2. Nominal.

All Yandex.Money plastic payment instruments are equipped with the PayPass contactless payment system, which allows you to pay for purchases by simply touching the terminal.

They differ in cost annual service... Below I will spend comparative analysis tariffs and conditions for the use of virtual and plastic cards... But first, I'll tell you how to arrange them.

How to order and receive a Yandex.Money card?

A virtual card is issued in a matter of seconds on the Yandex Money website, subject to the availability of an electronic wallet. Plastic requires a longer procedure. However, it will not take more than a couple of minutes:

1. You must fill in your full name and home address.
2. Pay 200 rubles. (service cost for 3 years).

In a maximum of 5 days, a notification will be sent to email that the payment instrument is ready and sent to the addressee. The tracking number for tracking will also be indicated there.

To the popular question: "Can I get a card for free?" We answer: “Yes, you can, but only virtual”. A couple of years ago there were promotions for which the means of payment were issued for a symbolic price of 1 ruble. Today there are none.

Two options for obtaining:

1. By mail. A notification of the receipt of a letter with a ready-made card will be sent to the address indicated during registration.
2. If you are a resident of Moscow, a courier can deliver the card. Its cost will increase exactly 2 times and will become 400 rubles.

Please note that unnamed plastic can be collected from the office in Moscow, St. Petersburg or Nizhny Novgorod.

After receiving the card, it must be activated. The site has a page for activation, a link to it can be found in the envelope in which your card will come.

1. Enter the card number.
2. Come up with a pin code (4 digits).
3. Come up with a code word.

The procedure will take a few seconds. Everything, the payment instrument is ready to work.

Yandex.Money card: how to use

Top-up without commission

The balance of an e-wallet and a card is one and the same. If you replenish the card for a certain amount, your wallet will be replenished with the same amount. And vice versa. How to find out the balance? It's easy to do this on a website or mobile app. The number of the electronic wallet and its status are also indicated there.

Yandex.Money offers many ways to fund your card. This can be done from bank cards, balance mobile phone, in cash, through transfer systems (Unistream, Russian Post, City, CONTACT), etc. But we are interested in free options:

• in the salons "Euroset" and "Svyaznoy",
• at Sberbank ATMs,
• via the Internet bank Sberbank Online or Alfa-Click.

Can entity transfer money to a Yandex.Money card? Oh sure. The next question immediately arises. How do I find out my bank details? On the Yandex.Money page, select the “Top up” tab, then “ Bank transfer”. There you will find the details for crediting funds from a legal entity.

How and where to withdraw money?

You can withdraw cash from a Yandex.Money card at any ATM in Russia or abroad. The owners of the virtual card cannot do this, there are no prohibitions on the plastic one. But there are limits on the amount and withdrawal fees. I will give a detailed breakdown by numbers in the table with tariffs and conditions.

Regardless of the bank, the commission will be 3% of the amount, but not less than 100 rubles. For example, withdrawing 1,000 rubles, you will pay 100 rubles. And from the amount of 4,000 rubles. the commission will be 120 rubles.

Configuring Do's and Don'ts

Yandex.Money makes it possible to use a very convenient, in my opinion, function - to set up the conditions for using the card. What can we do in the settings:

• Change the pin code and see the code word. The pin code is needed when paying for goods and services, when you insert the card into payment terminal, or when withdrawing cash from an ATM. You can change it every day. The code word will come in handy when contacting support.
• Introduce restrictions (for cash withdrawals, payments on the Internet, sending transfers).

This can be done as many times as necessary. For example, if you are not going to withdraw cash, disable this option. Has the situation changed and money is urgently needed? Enable the function again. This will be done instantly.

• Inform about the next trip abroad to protect the card from possible blocking... The security system, in case of doubt that it is you paying abroad, can turn it off.
• Block the card or close it.

A convenient function of changing the settings for those who use the card only in exceptional cases. Thus, we can additionally protect ourselves not only from fraudsters, but also from ourselves.

Control over operations

Yandex.Money offers 3 ways to control transactions that go through your payment method:

1. The mobile application can be downloaded for free from Google Play or the App Store.
2. Informing from the service by e-mail (free of charge to the address specified in the settings).
3. SMS notification (50 rubles per month, subscription for 6 months - 200 rubles, for 1 year - 350 rubles)

Communication is easily customizable on the site. This is what it looks like.

In my opinion, there is no need to connect SMS informing. Enough email and push notifications from mobile app... And the fact that it is necessary to monitor operations regularly is an indisputable fact. Imagine that a fraudster has used your card. You will instantly know about this and block it.

Tariffs and conditions

What is the cost of service and the conditions for using Yandex Money cards? Tariffs depend on which wallet you have open:

• anonymous,
• nominal,
• identified.

We wrote in the previous article, so we will not dwell on this, but go straight to the tariffs and conditions.

When analyzing the materials for the article, one curious detail emerged. It is much more profitable to pay for purchases in European countries in euros rather than in rubles. Despite the fact that the card is in rubles. The mistake of many travelers is that they choose their native currency at the ATM or when asked by the cashier. As a result, they have a commission for several conversions.

Advantages and disadvantages

Yandex.Money map deserves attention according to user reviews and my own experience. People with a steady source of income online will appreciate the benefits of plastic. I analyzed my list of pros and cons and adjusted it based on feedback from other clients. Here's what happened.

Advantages:

1. A small amount of annual maintenance (only 200 rubles for 3 years).
2. The ability to independently configure the restrictions.
3. Contactless payment system.
4. The ability to change the pin code.
5. Payment for phone, internet and some other services without commission.

Disadvantages:

1. A small number of offices (only in Moscow, St. Petersburg and Nizhny Novgorod).
2. High commission for cash withdrawals.
3. There are no own ATM machines.
4. Time-consuming procedure for identifying an electronic wallet, if you want to have the best tariffs and conditions on the card.

Conclusion

Many customers note that it is convenient to use the card if you work on the Internet and receive money on Yandex.Wallet. it a good option debit card... As a freelancer, I can attest to this. As the main disadvantage, most point to high commission when withdrawing cash. And this is also true. To withdraw cash, it will not be superfluous to have a couple more cards.

Are there freelancers among your blog readers? What do you think about plastic from Yandex.Money?

The review will be in detail about all aspects and nuances of the Yandex Money card, based on my own experience of use !!! I think that many of this information will be useful before starting to use this card.

Firstly, of course, it is very convenient to issue the card itself if you already have an account in Yandex money, and if you don’t, then it’s not difficult to create one. Issuing a card costs 149 rubles in Russia , to any other country 199 rubles.

After you have paid the cost of issuing a card (I paid actually from an electronic Yandex wallet), you receive a message that your card will be issued within a few days. A few days later, a track number arrives, with which you can track where now your card is located. (Go to the website of the Russian post office (if you, of course, ordered it in Russia) and look for the tracking field for mailings, enter the track number that you were given, (usually it comes by e-mail or SMS) enter the verification numbers and look where your map is now.

Since I live in the suburbs of Moscow, the card was only for 4 days for me, on the 4th it was already in my city, but I received it after another 2 days, since it is a RUSSIAN POST with super slow service and a workload of over 200%

Okay, I received this card, there was no limit to my joy! Now I will explain why - well, firstly, this is a super profitable card (as it seemed to me), since the bank does not take anything for service for 3 years, you only pay for the issue of a NAME card Okay, I thought, and happily unpacked the letter, inside there was an appeal to me with beautifully written text, the letter in the photo, you can read it, then there was the booklet itself with information about the use and the card itself glued to the booklet, in principle, how it is done and in other banks.

Also, it made me happy that this is a real MASTERCARD with premium PayPass (opalate)!

It is very convenient that the card is tied to your wallet in Yandex money, you put the money on your ELECTRONIC wallet, I draw your attention to this, and the money will automatically be on the card.

The following aspects, which I want to draw special attention to:

1) You will not be able to withdraw cash without a commission at an ATM without a commission, to be honest, I didn’t even succeed with a commission, I tried to withdraw cash from a Sberbank, it didn’t work, it gives out some kind of inconsistency with the banks. Well, okay, we got ahead of ourselves. Now I'll tell you about the problems I encountered immediately after receiving the card.

2)Getting a pin code is another story altogether., like everything is written simply, call on the phone and you will be happy (code). I just didn't write it down, because I thought it would remain in history. As the operator explained to me, without a code word you won't have any pincode, which means your card can be thrown away!

As I understood, I was not the only one who faced this problem, I hit the search engine how to find out the code word in Yandex money and then I realized that there are THOUSANDS of people who simply did not write down or forgot this code word !!! They write that we need to find this code word in history, none of the members of the forum could find it, it simply wasn’t there, so I didn’t find it either! As I later realized, the problem is that after 2009 something has changed in programs, and the code word is no longer visible in the payment history!

In general, there are two ways out - to remember the word, or to throw out this card and issue a new one with a new code word, when registering the card, you enter this magic code word. But since I did not want to waste money and order a new card, I diligently began to remember the word, I remembered one thing and decided to try to call it to the operator when activating the card ... and OH MIRACLE !!! That's that word! But it's only lucky for me, others can simply simply forget this word and that's it ... So I want to warn you guys and girls , Write this word down somewhere on a piece of paper, so that later you will not suffer as much as we do.

3) You can pay in other countries only if you enter all the information about yourself, all passport data, TIN, etc. I was afraid to enter so much information about myself, so I cannot pay abroad with this card, well, in principle, I still cannot you need, and at any time you can enter these data in your personal account and you will be happy and all foreign stores.

4) Large commission when withdrawing cash from ATMs. 3% + 15 rubles, but not less than 100 rubles !!!

5) You can set up SMS notifications about the withdrawal and replenishment of the card, but this service is not free, in my opinion it costs more than 200 rubles a year, I can be wrong because I don’t remember exactly, you can find this information on the Yandex money website.

6) It is very convenient to pay on the Internet, in any online stores.

In general, let's summarize, if it were not for the flour with the pincode and the code word, everything would be perfect, to be honest, I am very pleased with this card, you can pay in large hypermarkets, Auchan, Crossroads and not only. So I advise you to remember the code word and you will be happy in such a lovely master card).

My rating is 5 minus !! (minus for the pin code).