Book of income and expenses / 30.11.2019

Union Payne card where to withdraw money. How to get a Union Pay card at Sberbank? Credit Europe Bank presented a card product Urban Card

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

System logo

History of creation

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

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

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

Distinctive features

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

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

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

Card from Russian Standard Bank

Where to get a UnionPay card in Russia

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

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

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

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

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

The main problems of Unionpay

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

Card from Lightbank

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

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

MTS-BANK Eurofinance Mosnarbank payment system UnionPay

China card - China UnionPay

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

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

China UnionPay payment system logo

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

China UnionPay (PRC) - 3.5 billion. PC.
VISA (USA) - 2.2 billion units
Mastercard (USA) - 1.9 billion pcs.
Diners Club (USA) - 0.107 billion
JCB (Japan) - 0.08 billion units
American Express (USA) - 0.07 billion units

Number of cards in circulation

Share of all issued cards in the world

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

Revenue in 2013

Payment system China UnionPay (CUP) in the Russian market

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

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

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

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

UnionPay card appearance

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

China UnionPay Card

BUT appearance combined cards issued in Russia look, for example, like this:

Combined Card "Unionpay - Zolotaya Korona" MTS-Bank

Unionpay - Golden Crown MTS

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

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

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

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

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

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

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

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

Credit card of the Bank Russian Standard payment system UnionPay

Russian Standard Classic

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

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

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

Many of our banks still work with Visa and MasterCard. But after all the unfriendly gestures (sanctions, refusal to serve Crimea), the situation may change. So, we already have a Chinese payment system. And now China UnionPay (CUP) cards are becoming more and more popular.

What is Union Pay card, how is it different

A card is a tool that allows you to use your account. Moreover, you open an account in a particular bank. And you don't care which payment system it works with. Previously, in Russia, these were mainly American Visa and MasterCard, now the Chinese UnionPay has been added to them.

You will not feel the difference and in the same way you will be able to pay for your purchases and services (including on the Internet), withdraw cash in about 140 countries, use a mobile and Internet bank. That is, everything is the same. Then what's the point of switching to Union Pay? And here's what:

UnionPay is independent of the US administration. Remember when Visa and MasterCard, by order from Washington, stopped serving cards of some Russian banks? And in Crimea they still do not work.

Rumor has it that all transactions of Visa and MasterCard users are being tracked by US intelligence agencies. In this situation, it is hardly possible to talk about some kind of security and safety of personal data.

For any of your transactions, the payment system receives a small percentage. Considering the number of transactions, this is a huge amount. So let it be better taxes go to the budget of China, and not the United States!

These systems have different base currencies. Visa has an American dollar, MasterCard has a dollar and euro, and UnionPay has a Chinese yuan. It's not that big of a deal, but is it worth supporting the dollar?

Finally, the cards of the Chinese system are well protected. For this, innovative developments in the field of security are used, as well as a long pincode.

Eurofinance Mosnarbank was the first (back in 2008) to start issuing UnionPay cards. Now they are issued in all branches.

Classic: 700 rub. per year for service, when registering, you must pay 1,000 rubles to your account;

Gold: 1 500 rub. per year, 10,000 rubles must be deposited into your account;

Platinum: 3,000 rubles. per year, 60,000 rubles must be deposited into your account.

For cash withdrawals through Eurofinance Mosnarbank ATMs, 0.3% of the amount is taken, at third-party ATMs - $ 2.5 (or the equivalent in the currency of the client's account), regardless of the amount and country where the money is withdrawn.

Gazprombank issues UnionPay debit and credit cards in the Classic, Gold and Platinum categories. You can get them in all regions of Russia. Recently, it was reported that Gazprombank began issuing bank cards in Crimea, but this still needs to be clarified.

Classic: card issue for 1 year - RUB 600, no service fee, daily limit for cash withdrawal - RUB 200,000;

Gold: issue for 1 year - 2 800 rubles. (with insurance - 3,500 rubles), no service fee;

No commission is charged for cash withdrawal from Gazprombank's ATMs, 0.5% of the amount (at least 150 rubles) + commission from a third-party bank is withdrawn from "foreign" ATMs.

BaikalBank previously only served UnionPay cards, and now it has become an issuing bank. You can get a unique co-branded card of CUP and Zolotoy Korona payment systems in rubles or dollars at any office of BaikalBank (including in Crimea) in just a few minutes.

BaikalBank offers, perhaps, the most favorable conditions for servicing microprocessor cards. But it all depends on the tariff:

“Profitable”: card issuance - 260 rubles, service - free, cash withdrawal - 0.4% of the amount;

"Ordinary": issue - free, maintenance - 300 rubles. per year, cash withdrawal - no commission.

Orient Express Bank issues Union Pay debit and credit cards. You can get additional information in any department of the bank, by phone. 8-800-100-80-70 or on the official website.

MTS Bank has also started issuing CUP cards in all regions of Russia, where they have branches. But now they have suspended the issuance of new UnionPay cards. So follow the news on the bank's website.

Russian standard carries out mass production credit cards Union Pei Classic in rubles. You can repay the loan in parts or at once. In addition, you can place your own funds on the card.

The credit limit there can reach 450,000 rubles;

The grace period is standard (up to 55 days);

Annual service - 900 rubles.

Who accepts and maintains Union Pay cards

If you already have a card, then you can withdraw cash, pay for services, transfer money and top up your balance in tens of thousands of ATMs throughout Russia:

At ATMs of all the banks listed above, as well as where there is a UnionPay logo. If the card has an icon, for example, "Golden Crown", then it is accepted by all ATMs of this payment system.

UBRD services cards issued even by third-party banks.

Alfa-Bank accepts Union Pay cards and provides Internet acquiring services.

Primtercombank cooperates with CUP. You can withdraw cash from the bank's self-service devices.

VTB Group began to implement a project to distribute China UnionPay services, in particular, to connect to the ATM system.

MDM Bank serves UnionPay cards at ATMs and terminals.

Uralsib is also starting to cooperate with Union Pay, soon all ATMs and terminals of the bank will be connected to the system.

Rosenergobank serves UnionPay - Zolotaya Korona cards, their holders have access to transfers, payments for utilities and other services, cash deposits and withdrawals, repayment of loans and other operations.

MKB has also started working with the Chinese payment system. Now you can cash out at ATMs (which is almost 900 devices), as well as make payments through terminals.

KamkomBank provides cash withdrawals through ATMs.

Interprombank has also connected its ATMs to Union Pay. There you can withdraw money and check the balance.

AVB Bank issues and services cards of the Chinese system.

VPB (Military Industrial Bank) has also connected to UnionPay.

Master-Bank has implemented the ability to withdraw cash, check balances and replenish CUP cards of Russian or Chinese banks.

Investtorgbank provides acquiring services for trade and service outlets (that is, it makes it possible to accept Union Pay cards for payment).

But it is still difficult to get an online loan on a UnionPay card, since Russian MFOs do not work with this system. However, look

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

UnionPay in Sberbank

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

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

UnionPay and Sberbank partnership

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

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

Types of UnionPay cards

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

UnionPay produces four types of banking products:

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

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

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

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

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

Cash withdrawal from UnionPay card

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

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

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

The nuances of the Sberbank UnionPay card

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

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

Dignity debit cards UnionPay Lightbank:

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

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

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

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

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

Tel. 8 351 924-89-33

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

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

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

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

Main advantages:

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

Tel. 8 800 200-42-02

Bank "Primorye" offers a UnionPay Classic bank card.

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

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

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

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

Production time - up to 3 working days.

Card account service - 500 rubles / year.

Tel. 8 800 200 20 86

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

A full description of the services provided with Gold cards and the conditions for their provision can be found on the UnionPay website.

Tel. 8 800 100-00-89

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

Service - 750 rubles / year

0.5% bonuses Bright

Contactless payment

Discounts and Special offers from UnionPay

Filling in a tax return for tax Section 1

When the balance sheet is submitted (terms, nuances)

Union Payne card where to withdraw money. How to get a Union Pay card at Sberbank? Credit Europe Bank presented a card product Urban Card