Foreign credit card. Debit cards for foreign citizens. What it is

Many knowledgeable people know that in Europe and Asia, lending rates are almost two times lower than in Russia. However, out of all the CIS countries, Russia is not the most serious leader in this regard, because in Ukraine it is very difficult to get a mortgage loan even at 22%. However, you should always look up to more developed countries, but there the mortgage, which costs the borrower 7% per annum, is already considered very expensive.

If you are planning to live abroad for some time, then you should take an interest not only in mortgage loans, but also in ordinary ones. Therefore, obtaining a credit card can be a very serious help and solve many pressing issues, including building a good credit history.

But, again, there are some specifics abroad. For example, a mortgage loan cannot be unsecured, and the acquired real estate will act as collateral, which cannot be sold or donated without the knowledge of the bank. The only thing a borrower can afford is to live in a mortgaged house or rent it out to pay off the loan.

If the borrower has problems with the payment of the loan, the bank will take the real estate and sell it without remaining in the loser. But with credit cards, the situation is fundamentally different, because they are issued without requiring any obligations. Therefore, by providing a credit card to a foreign citizen, the bank runs the risk of never seeing their money. However, there are always loopholes for foreigners.

Another distinctive feature of lending in Europe is that they are quite willing to issue loans to young people aged 18-21, although this is not practiced in our country. In the same States, a credit card for students is generally a separate product. However, foreign banks are just as loyal to the maximum age of the borrower. Even if a person is retired, but he has income that allows him to service a credit card, he will be able to use it.

Again, in our country it is much easier to issue a credit card, because for this you just need to provide a passport. To obtain a credit card in a foreign bank, you will need to provide documents confirming that you permanently reside in this country. Sometimes a utility bill or a long-term lease will suffice.

Also, most likely, the bank will be interested in the level of your income and place of work. And here the approach of foreign banks differs in many respects from Russian ones. A Russian bank will be glad to see employees of large companies among its borrowers, and we are more wary of all other categories of clients.

But foreign banks are more willing to make contact with the owners of their own businesses and individual entrepreneurs. In any case, keep in mind that you will have to provide proof of your income for at least the last six months.

Credit cards came to Russia from the West and used to be considered "evil" and wasteful. However, over the years, the opinion of Russians has changed and today most of the adult citizens of Russia have credit cards. The convenience of their use is known to everyone, so they want to be used everywhere and everywhere, wherever a person is.

Why do you need credit cards abroad?

It is no secret that each country pursues its own financial and economic policy, which leads to different norms, procedures and requirements for the banking system and its participants. Thus, when traveling or doing business abroad, Russians face the problem of obtaining credit cards.

Credit cards of foreign banks are needed by Russians for various reasons:

- someone travels a lot and does not want to constantly convert money and lose on the difference in rates;

- someone is running a business and he needs additional funds;

- someone is attracted by the minimum interest rates and loan conditions;

- someone lives and works in another country, and is not used to doing without a credit card.

There can be a lot of reasons, as, in fact, the problems that our people may encounter when applying for a credit card. If we talk about the countries of the European Union, many of them do not provide at all the opportunity to issue a credit card to citizens of countries that are not members of the EU (Great Britain, Slovakia, Czech Republic, Greece).

Requirements for foreign borrowers

The requirements of different countries for foreign borrowers are different, for example, in the EU a credit card can only be obtained at the age of 21, but in the USA this threshold is only 14 years. The fact is that the United States is generally loyal to loans and believes that if a person receives income, then he can secure his loan. Therefore, there is a loan issued even to pensioners of a fairly advanced age.

However, this does not mean at all that a foreigner can count on the same conditions as a citizen, because he can get money and easily go to his homeland, where no one will find him. Therefore, in order to get a loan abroad, you cannot just be a tourist or a student, you must be in a legal position there, have a permanent place of work and a stable salary and property (movable or immovable).

A foreign borrower will have to provide, in addition to the standard set of documents, a lot of related documents:

– national and foreign passport;

— a certificate of income, the amount of which should be impressive (so that the monthly payment on the loan does not exceed 40% of the total income);

- documents proving the marital status of the borrower (unmarried people are given a loan much less often than family ones);

— a certificate confirming that the foreigner has property in the territory of the country where the credit card is issued;

– it will be necessary to demonstrate to the bank a long-term visa;

- a certificate from the place of work and a copy of the employment contract or contract.

However, the presence of all these documents does not guarantee that the credit card will be issued. However, abroad, in case of refusal to issue a loan, the bank will issue a certified resolution, which will describe in detail the reason for the refusal.

Also abroad, the presence of a positive credit history is very important, if there is none, then you can outwit the system and use mobile communications in debt and repay it in a timely manner. Data about this will automatically get into the credit history and allow the bank to add a positive image about the borrower.

The most loyal to the issuance of credit cards to foreigners are France, Spain, Cyprus. In addition, their credit conditions are very favorable: the minimum interest attracts with its payback and availability.

As for Germany, this country is the most rigid in its attitude towards foreign borrowers, so the requirements are practically not feasible. And Italy generally does not issue loans to foreigners if they do not have a residence permit in the country.

If a person has been a client of a foreign bank with a pre-approval system for quite a long time, then the bank itself can offer a credit card. After analyzing the personal data and cash flows of a potential borrower, the bank sends a letter with an offer to issue a credit card. In such cases, you need to be careful, because often the actual bank agreement differs from the content of the letter from the bank.

For those who are desperate to take a loan from a foreign bank at all costs, you can use the services of financial brokers. Abroad, this practice is not uncommon, because a financial broker assumes an obligation in the form of a guarantee for his client, which bribes bank employees.

Getting a credit card in Russia and abroad is somewhat different, but the main thing to remember is that debts must be repaid regardless of the country in which the borrower is located. Since the risk of being convicted for evading loan repayment is quite high.

Important! MasterCard has banned payment systems from issuing cards for non-EU residents. That is, anonymous MasterCard cards are no longer available to residents of the CIS.

Each state seeks to control its citizens as much as possible, including their financial transactions. But there will always be people who want to remain incognito for all sorts of controlling organizations.

It’s easy to be financially anonymous these days, especially with the widespread use of cryptocurrencies. And offshore cards are a convenient way to anonymously withdraw money earned on the Internet, remaining unnoticed by the tax service and not being afraid of blocking your bank account by the security service.

In order to remain invisible to the regulatory authorities of the government of your country, it is not necessary to use a bank card located in an offshore zone. It is enough to use the services of a bank in another country that does not transfer data to anyone (exceptions can only be at the request of Interpol).

In this article, I decided to compare several popular anonymous cards that any citizen of the former CIS countries can order.

Comparison of offshore plastic cards.

A little about offshore bank cards.

• Cards are issued by international payment systems Visa and MasterCard, so most often the main currency is euros, dollars or British pounds.
• It is most profitable to use cards if you receive money in dollars or euros and plan to withdraw them in these currencies. The fact is that when withdrawing a currency that differs from the main currency of the card, you will be charged an additional commission of at least 2% for the exchange. In addition, the exchange will take place at a very unfavorable rate for you.
• Most of the commissions charged for conducting transactions are fixed, and not a percentage of the transaction amount. And this means that it is more profitable to transfer to a card and withdraw large amounts of money. So, when withdrawing from $1,000, the commission can be less than 0.5%.
• When using some cards, you will have to pay for operations that you have already become accustomed to being free using ordinary banks, for example: changing your PIN code, checking your balance, closing a card, etc.

Offshore Payeer MasterCard.

The most popular anonymous payment system in Runet offers you to purchase a Payeer MasterCard plastic card.

It can be ordered by both a verified user and an unverified one. But in the event that you do not verify your identity, you will have a $1,000 limit on ATM withdrawals and $1,500 on online purchases. Once you have collected this amount, you will need to send a scan of your passport to confirm your identity and increase the limits.

The card is issued for free, but shipping will cost $9. You can shorten the delivery time by using Express Shipping for $35. The validity of the card is 3 years.

A transfer to a card from a wallet is subject to a commission of 2.9% + $0.99. And when withdrawing money, you will have to pay a commission of 1.99 - 3.5 dollars. And if you decide to withdraw money in another currency, then pay an additional 2.5% for currency exchange.

Money held on Payeer Platinum MasterCard is insured by IADI (European deposit insurance system) in the amount of 100,000 euros. This means that if the bank closes, the money will be returned to you.

Transfer from WebMoney cannot be carried out either directly or through exchangers. Therefore, the only option is to make the transfer in transit using an additional currency. For example, transfer WMZ to Advanced Cash, and from there to Payeer.

Commission calculation.

Let's calculate how much you will have to pay in the form of commissions when withdrawing $1,000.

• Withdraw 1000 dollars from Payeer through an ATM in dollars.$1000 - 2.9% - $0.99 - $3.5 = $966.51 In total, you will have to pay about 3.4% commission.
• Withdraw $1,000 from Payeer via an ATM in another currency.$1000 - 2.9% - $0.99 - $3.5 - 2% = $947.1. In total, you will have to pay about 5.3% commission.

Offshore Advanced Cash MasterCard.

Ordering a card is available only to verified users. For the first 7 days after registration, the cost of the card will be $4.99. After this period, the cost will increase to $14.99.

Wallet to card transfers will be subject to a $0.99 fee and ATM withdrawals $1.99. Online purchases in the main currency of the card are not subject to commission.

When withdrawing money from an ATM or when making purchases on the Internet in other currencies, an additional 2% for currency exchange will be charged. The validity of the card is 3 years.

There is a possibility of direct transfer from WebMoney with a commission of 3%.

Commission calculation.

• Withdrawal of 1000 dollars from AdvCash through an ATM in dollars.$1000 - $0.99 - $2.99 ​​= $996.2. In total, you will have to pay about 0.4% commission.
• Withdraw $1,000 from AdvCash through an ATM in another currency.$1000 - $0.99 - $2.99 ​​- 2% = $976. In total, you will have to pay about 2.4% commission.
• Withdrawal of 1000 dollars from WebMoney through the AdvCash card in dollars.$1000 - 0.8% - 3% - $0.99 - $2.99 ​​= $958. In total, you will have to pay a commission of about 4.2%.
• Withdraw $1,000 from WebMoney via AdvCash card in another currency.$1000 - 0.8% - 3% - $0.99 - $2.99 ​​- 2% = $939. In total, you will have to pay a commission of about 6.1%.

You can register in this payment system and order a card.

Offshore OkPay MasterCard.

The card can be ordered only by verified users of the OkPay payment system. The card costs $15, shipping is free and takes about a month. If you want to use express delivery, then add another $55.

Transferring money from an OkPay wallet to a card is subject to a $3 fee. And when withdrawing money from ATMs, you will have to pay a commission of 2% (from 3 to 15 dollars).

For every 180 days of card inactivity, $10 will be charged. The validity of the card is 2 years.

Transferring money from WebMoney directly or through exchange offices is not carried out. Therefore, to withdraw from WebMoney, you will have to use a transit currency.

Commission calculation.

• Withdrawing $1,000 from OkPay through an ATM in dollars.$1000 - $3 - 2% ($15) = $982. In total, you will have to pay a commission of about 1.8%.

You can register in this payment system and order a card.

MoneyPolo Visa Card.

A plastic card can only be ordered by verified users of the MoneyPolo payment system. 3 currencies are available: dollars, euros and British pounds.

The cost of making the card is $19.99, shipping is free. Express shipping costs $50.

Replenishment of the card is subject to a commission of $ 2. When withdrawing from ATMs, you will be charged an additional $3.6.

If you decide to withdraw money from an ATM or make an online purchase in other currencies, then you will pay a commission of 2.75% for currency exchange.

The validity of the card is 3 years. There is no direct transfer from WebMoney.

Commission calculation.

• Withdrawing $1,000 from MoneyPolo through an ATM in dollars.$1000 - $2 - $3.6 = $994.4. In total, you will have to pay a commission of about 0.6%.
• $1000 - $2 - $3.6 - 2.75% = $967. In total, you will have to pay a commission of about 3.3%.

You can register in this payment system and order a card.

A card from ePayments can be ordered by both verified users and those who did not want to confirm their identity. But unverified users will face restrictions, such as a $1,000 limit on all transactions.

Although the company is registered in the UK, they claim they don't share their customers' personal data with anyone.

The cost of issuing the card is $35, shipping is free. If you want to use express delivery, you will have to pay an additional $89.95.

The use of the card is subject to a fee for each year except the first. Its size is 35 dollars. And for every 6 months of not using the card, you will have to pay $10.

Replenishment of the card from the ePayments wallet is free. And for withdrawing money from an ATM, you will have to pay a commission of $ 2.6. When withdrawing money in other currencies, an additional 2.6% will be charged for the currency exchange.

There are direct transfers from WebMoney with a commission of 1%.

Commission calculation.

• Withdraw 1000 dollars from ePayments through an ATM in dollars.$1000 - $2.6 = $997.4 In total, you will have to pay about 0.3% commission.
• Withdraw $1,000 from ePayments via ATM in another currency.$1000 - $2.6 - 2.6% = $971.4. In total, you will have to pay about 2.9% commission.
• Withdrawal of 1000 dollars from WebMoney through the ePayments card in dollars.$1000 - 0.8% - 1% - $2.6 = $979. In total, you will have to pay a commission of about 2.1%.
• Withdraw $1,000 from WebMoney via ePayments card in another currency.$1000 - 0.8% - 1% - $2.6 - 2.6% = $954. In total, you will have to pay a commission of about 4.6%.

You can register in this payment system and order a card.

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The passport of a citizen of the Russian Federation is a mandatory document for obtaining a debit card. But what should a foreign citizen do to get a payment instrument? The question is quite popular.

Russia is a large country with a large number of foreign citizens. That is why banks have created special programs, thanks to which a non-resident can receive a debit card and open a credit limit on it.

To get a banking product, you will need to find out the current offers of those banks that work with non-residents. The very first lenders who offered to receive debit cards for non-residents were Sberbank and Otkritie.

To get a plastic tool you will need:

• non-resident's passport or other document that confirms the identity;
• if the document is in a foreign language, then a notarized translation is additionally presented;
• a residence permit in the Russian Federation or a temporary residence permit;
• migration card (if available).

A bank employee works with each foreign client on an individual basis. On debit accounts, the bank is also ready to provide non-residents with bonus and savings programs.

Open a debit card for a foreign citizen

Today, a foreigner can open an account with any financial company, provided they have a complete package of documents. If earlier it was a non-standard procedure, today it is not much different from issuing "plastic" to customers who have Russian citizenship.

To open a payment instrument you will need:

1. Prepare a package of documents and personally apply to the office of the financial company.
2. Fill out the approved application form. It should be noted that the application form must be completed manually.
3. Select the type of payment system. As a rule, lenders are ready to offer several products at once. If necessary, you can connect a loan by debit "plastic". To do this, you will need to additionally present a certificate of wages.
4. Specify the terms during which the banking product will be released. In most cases, "plastic" is released within 10 business days. After the specified time, you will need to re-visit the lender's office and pick up the banking product.

Recently, remote registration through the official website of the bank has been in great demand. It should be noted that while a foreign person cannot issue a debit card in real time. This service is available only for clients with Russian citizenship.