How does a savings card work? Best storage cards: list

Hello, dear subscribers and readers of my blog! In today's review, I will talk about a financial instrument that banks have come up with to establish trusting relationship with a client. People who often work with financial institutions will understand that this tool is a savings card that has pros and cons. Read on about how modern bank savings cards work, about the pros and cons.

The plastic card in question is functionally not much different from a debit financial instrument. A debit card is a financial instrument with a limited set of functions. If you are interested in a question, read a separate review dedicated to it.

The difference between a savings card and a debit card is the accrual of interest on purchases made. Savings card holders receive bonuses money back system Cash Back in accordance with the interest rate set by the bank.


Accrued bonuses are spent in the same way as regular money. Thanks to this plus, plastic cards have become widespread among individuals using banking services.

Excellent card with cashback from Alpha

Benefits of savings cards

As I said above, the fundamental plus of accumulative bank cards is interest accrued on purchases. This is a kind of profitable deposit in the bank at interest with the possibility of paying bills. To spend the bonuses accrued for purchases, you do not need to go to the bank or go to an ATM.

Modern financial institutions offer plastic holders Personal Area, in which all calculations are performed by pressing a key or clicking a mouse. For example, I replenish the phone, pay utility bills, pay off the loan, while, mind you, without getting up from the couch. Another feature of the announced tool is the ease of design, which I will talk about a little later. By the way, there are and, which we will also talk about separately.

It is a mistake to consider a savings bank card a goldmine. Along with the advantages, it has serious disadvantages. It all depends on the conditions under which the issuing bank operates. For example, plastic produced by the Savings Bank of Russia is privileged for those who have an amount in their account exceeding 100,000 rubles. Banks provide these clients with free service.


Today, most banks operate on three types of contract:

  • perpetual treaty, providing for the withdrawal of the entire amount without any limits;
  • term contract 1-36 months with interest on the balance;
  • billing agreement, for which the recalculation of interest is made with termination.

I, as a consumer, really like cards with the possibility of earning interest on every purchase made in a retail store chain. Almost every day I pay for it in stores, fill up the car, book and pay for hotel rooms when the whole family is going on vacation. If the interest is stale and not used, I often simply transfer it to a deposit or pay off the balance on the loan. I will talk about the most profitable debit cards of Russian banks with interest accrual a little later, as part of a separate article, but for now, please read the following point.

Order a card with % accrual on the balance

What to look for when choosing a card?

When choosing a plastic card, pay attention to low interest rate, significantly different from the rate on fixed-term deposits. Having decided on the issuing organization, that is, the bank, specify the procedure for calculating bonuses, because the profitability of the storage card depends on it. I have often come across a situation where the rate promised by a financial company turned out to be completely different in practice.

Bonus money was accrued not on the balance, but on the minimum amount. In addition, the declared high interest was charged exclusively on the established amount of funds. As a result, my friends were happy with the accrued bonuses only when the minimum amount was exceeded several times. Another negative side of the accumulative card, according to the stories of my friends, was the established spending limits. The bank with which they signed an agreement set a number of restrictions on withdrawing money in 24 hours, and even with a commission.


A friend of mine refused to use the card, closing it the second week after opening, when he found out about the crazy commission fees for each ATM withdrawal. In general, I can talk about the cons for a long time. And in order not to torment you, I will give a simple recommendation - do not rush. Find out everything, bombard the manager with questions, sign the contract, being one hundred percent confident in the bank.

How to get a savings card?

At first select a bank with whom you are going to cooperate on a bank card of accumulative functionality. Not the best conditions are offered by financial institutions of state status, although each deposit is insured. In my opinion, it is better to issue a savings card in a large commercial bank. Such an institution offers insurance DIA and differs from a state-owned enterprise by an inflated rate. I talked about DIA in detail in. If you are a citizen of Russia and you are eighteen years old, feel free to contact a financial institution with a request to issue you plastic.

The only difficulty is statement, which needs to be compiled manually, write pen, although what kind of pens, it would seem, because in the yard XXI Century!


As I noted above, don't rush to arrange. Read the contract carefully, and if you do not understand the legal intricacies, take a lawyer friend with you. The issuance of plastic cards usually takes 10 to 14 business days. After submitting an application through a manager or on the official resource of the issuing bank, wait for a response by SMS or e-mail within the time specified in the contract.

Results

For today, perhaps, everything. In conclusion, I would like to point out that by doing choice between a depository account and a savings card, I would prefer option number 1, motivating my choice with an increased interest rate. What you choose is up to you. Don't rush, weigh everything "behind" and "against". Do not forget to leave your opinions in the comments and subscribe to updates. See you soon!

If you find a mistake in the text, please highlight a piece of text and click Ctrl+Enter. Thanks for helping my blog get better!

Terms of interest

  • Interest is calculated monthly.

    in any unforeseen situation, if you need money before the end of the deposit, you can always get it

  • on deposits for up to 6 months (inclusive) - based on the interest rate of 0.01% per annum;

  • - upon demand of the deposit during the first 6 months of the main (extended) term - based on the interest rate of 0.01% per annum.
    - upon demand of the deposit after 6 months of the main (prolonged) term - based on 2/3 of the interest rate set by the Bank for this type of deposits on the date of opening (prolongation) of the deposit.

Prolongation conditions

  • Automatic prolongation is carried out on the terms and at the interest rate applicable to the "Top Up OnL@yn" deposit on the date of prolongation.

Special conditions

  • If the deposit amount exceeds the maximum, then the difference between the actual deposit amount and the maximum interest is charged at the rate of 1/2 of the deposit rate effective on the date of excess. The reduced rate is applied from the day following the day the excess occurred.
  • When deposits are demanded after 6 months of the main/extended term, in which the balance exceeds the Maximum amount, a reduction coefficient - ½ is applied to the difference between the actual balance and the Maximum amount in addition to the coefficient 2/3. These coefficients are applied to the rate in effect on the deposit on the date of opening/prolongation.

From February 20, 2017, it is possible to open a deposit in euro only for a period of 1 to 3 years.

Terms of interest

  • Interest is calculated monthly on the entire amount of the deposit (the interest rate depends on the amount of the minimum balance).
  • Accrued interest can be withdrawn, as well as transferred to the card account.
  • Accrued interest is added to the amount of the deposit, increasing income in the following periods.

Interest rate increase

  • When increasing the amount of the deposit to the next amount gradation and when concluding an additional agreement on increasing the amount of the minimum balance.

Conditions for early termination

    in any unforeseen situation, if you need money before the end of the deposit, you can always get it.

  • on deposits for up to 6 months (inclusive) - at an interest rate of 0.01% per annum
  • on deposits for a period of more than 6 months:
    - when a deposit is demanded within the first 6 months of the main (extended) term - based on an interest rate of 0.01% per annum
    - when a deposit is claimed after 6 months of the main (prolonged) period - based on 2/3 of the interest rate set by the bank for this type of deposits on the date of opening (prolongation) of the deposit

In case of early termination of the deposit, interest is recalculated without taking into account the monthly capitalization of interest.

Prolongation conditions

  • Automatic prolongation is carried out on the terms and at the interest rate applicable to the "Manage Online @ yn" deposit on the date of prolongation
  • The number of extensions is not limited.

Special conditions

  • There is a limit on the maximum amount for deposits. Maximum amount – Deposit amount at the end of the day of the Deposit Opening Date / Prolongation Date (in case of Deposit Prolongation), increased by 10 times. If the deposit amount exceeds the maximum amount, then the difference between the actual deposit amount and the maximum interest is charged at the rate of 1/2 of the deposit rate effective on the date of excess. The reduced rate is applied from the day following the day the excess occurred.
  • When deposits are demanded after 6 months of the main/extended term, in which the balance exceeds the Maximum amount, a reduction coefficient - 1/2 is applied to the difference between the actual balance and the Maximum amount in addition to the coefficient 2/3. The specified coefficients are applied to the rate that was in effect on the deposit on the date of opening/prolongation.

Where to open a deposit?

More profitable and easier: in a mobile application or Sberbank Online Internet banking. There's a higher rate no need to go with the money to branch.

Can deposits be opened only with large amounts?

No, you can open a deposit even with 1000 rubles. In any case, it is more profitable than keeping money on the card.

My parents transferred the amount for a gift to my deposit, can I withdraw money?

You can easily withdraw your money or the amount of your scholarships / awards for competitions. But the contributions of third parties (and parents - a third party) can only be withdrawn with the permission of the guardianship and guardianship authorities.

Can parents transfer to a deposit in Sberbank Online?

Yes, they can use the free details transfer. If you have a mobile application, you can send your deposit details via SMS.

Is there a form of permission that the guardianship and guardianship authorities must issue?

No, free form. Permission may be issued for a specific transaction, or several transactions on the deposit. Find out what kind of permission is needed. The list of required documents for obtaining such a permit is specified in your body of guardianship and guardianship.

Where can I look for guardianship and guardianship authorities?

Unfortunately, each region has its own system of working with them. It is better to clarify information about them in the state bodies of your region (usually, information is available on the websites of the administrations of the city / village or in municipalities).

Can I open a deposit myself?

Yes, with a passport you can already open it yourself. Parents are not needed. You can also open a Youth Card 14+: with it you will have access to the Internet Bank and you will be able to replenish the deposit remotely (no need to go to branches).

In times of crisis in the state economy, investors are in no hurry to deposit their funds, as the level of confidence in banking organizations drops sharply. Some debit card holders reserve a certain amount in their mind, which they leave in reserve and try not to spend it. The rest simply withdraw cash and keep it at home. But due to inflationary processes, such money is gradually depreciating and, in fact, the owners lose part of their funds. In order for the outflow of customers to occur, banks have come up with a new tool that is beneficial for customers - storage cards. Consider what they are, their advantages and disadvantages.

What is a savings card

This is a new product on the financial market, which is offered by most banks, much like conventional payout cards, with one significant difference - interest is charged on the remaining money in the account (from 3% to 10% depending on the organization). There is another advantage of bank savings cards - the cash back option, which implies a partial refund of funds spent on the purchase of goods (from 1% to 30%).

Savings cards were introduced in order to reduce the outflow of funds from financial institutions. They are in many ways similar to deposits, but their main difference is the ability to withdraw funds at any time and at lower interest rates.

How to issue a product

To open a savings card, you must select a banking organization that offers the most favorable conditions, leave a written application and present a document proving the identity of the client (most often a passport). For example, a Sberbank client will receive a ready-made card in just 10-14 days. The operator informs about the readiness of the accumulative card after calling the hotline of the organization. The result can also be found in any branch of the bank.

Thanks to the development of Internet technologies, it is possible to issue a card through online services that are available at almost any bank. When using the online service of Sberbank, you must select the section of the site "Documentation". The display will show a form to fill out and submit. After some time, bank employees will provide a positive or negative answer.

Advantages and disadvantages

The use of such cards provides some advantages to their holders in comparison with those who use a regular debit card or cash only:

  1. A simple and reliable way to store funds.
  2. Additional income in the amount of interest set by the bank from the available money.
  3. Cash withdrawal at any time.
  4. Use for cash payments for the purchase of goods.

Accumulative cards of any banks have some disadvantages:

  1. When withdrawing all the money, the interest on the deposit is canceled.
  2. The client is required to deposit a certain amount of money each month.
  3. The presence of a limit, upon reaching which the withdrawal of funds will lead to the suspension of accruals on the deposit.

Despite the presence of some shortcomings, when used correctly, a savings card brings undeniable benefits to its owner. The main thing is to carefully read the conditions offered by the bank before making a choice in favor of a particular financial product. Next, consider the most interesting offers from various banking organizations.

Banks with the best cards

1. Sberbank offers its customers a product called the Social Card. It can be used to pay for a purchase in a store, purchase goods on the Internet, and it is also popular among people who have reached retirement age, who use it to store pension accruals.

Card Features:

  • release and maintenance - absolutely free;
  • receipt - only at a branch of Sberbank;
  • no commission for any monetary transactions;
  • interest rate - 3.53% per annum on the funds remaining in the account;
  • the ability to connect the bonus program "Thank you from Sberbank" (return of 0.5% of the funds spent on the purchase of goods to the bonus account).

The only drawback of the accumulative card from Sberbank is the inability to use it at ATMs of other banks.

2. Home Credit Bank opens the Good News card, which will be beneficial to those who leave at least 10,000 rubles in its account. In the presence of this amount, the bank does not require funds for its maintenance. Otherwise, the monthly deduction will be 59 rubles. If the client keeps money in the amount of up to 500 thousand rubles, the interest rate is 10% per annum, and if more - 3%.

3. Tinkoff offers its own version - Platinum Black, which has the following features:

  • free service with an account balance of 3,000 rubles;
  • when withdrawing more than 3,000 rubles, the commission is not provided;
  • the interest rate is 8% when storing the amount up to 500 thousand rubles, 4% - when the amount is from 500 thousand rubles;
  • paid service "SMS-bank" (39 rubles per month).

4. Promsvyazbank issued a debit card that works on the principle of a savings card - for the balance of funds in the account, users receive a cash reward - 4% of the available amount. For servicing the card, you must pay an annual amount of 200 rubles. The advantage of this product is the ability to get a high discount (up to 40%) when making purchases in partner organizations of this bank.

5. Autocard of Otkritie Bank is suitable for car owners. Despite the rather high maintenance fee for the card (299 rubles per month), it has a number of advantages:

  • refund of 3% of the amount spent on refueling a car at any gas station;
  • cash withdrawal without commission at an ATM of any bank up to 3 times per month;
  • with a stable balance, the user receives 6% per annum.

6. Users of the Bank in Pocket card of Russian Standard Bank receive the following benefits:

  • profit under the terms of the accumulative program - up to 8% per annum with an amount of 30 thousand to 500 thousand rubles;
  • using the card to make purchases in partner organizations of the bank will save up to 30% of personal funds;
  • There is no service charge at all.

7. Binbank offers an income card with the Universal tariff, whose users will be able to receive up to 7% per annum on the balance of the amount up to 500 thousand rubles. If the amount stored on it exceeds this value, the interest rate is reduced to 2%. For servicing the card, its owner will be charged an annual fee of 250 rubles. A significant drawback is the reduction in the interest rate to 2% if the total amount of card transactions per month does not exceed 500 rubles.

Sberbank is a large banking organization in Russia. The number of customers is growing every day, as the bank offers stability and security. Sberbank offers many banking services to the public, including opening a savings card. It is free and there is no charge for its maintenance if it belongs to the maestro payment system. The savings card of Sberbank allows a citizen to increase his income. There are tariffs with rates up to 14.5 percent per annum. Most often, the amount of interest depends on the amount that the client deposits into the savings account.

The map of the world is opened to people who receive social benefits from the state. Many are mistaken that it is received only by persons who have reached retirement age. It is received by children who are left without a breadwinner, as well as citizens who receive disability benefits.

The banking product allows you to receive monthly payments and spend them as you wish. With a savings card, you can pay for purchases, purchase goods on Internet trading platforms, and also instantly transfer money to other users. Cash is withdrawn from plastic at any ATM that belongs to Sberbank.

Pros and cons of a pension savings card

Dignity is the ability to receive a certain percentage of your account balance. The bank offers insignificant rates for these cards, but it's still nice to get a bonus. In addition, the plastic holder can dispose of all funds at its discretion.

The main disadvantage of this card option is that only certain Sberbank customers, that is, those who receive monthly social benefits, can order it.

Making a social card

A citizen receiving benefits from the state applies to the nearest branch of the bank - explains to an employee of a banking organization that he wants to open a savings account for transferring social benefits. With you, a citizen, have a passport confirming your identity, as well as permanent or temporary registration at the place of stay. After opening an account, a certificate with all the details is issued, it is submitted to the territorial body of the pension fund. After consideration of the application, all payments are transferred to the current account indicated in the application.

Issuing a card is free, there is also a grace period for connecting a mobile bank. The first two months are free of charge, and after that there is a grace period and the payment is 30 rubles. Money is automatically debited at the beginning of a new month.

Important. Sberbank issues accumulative plastic to children from the age of seven, but the consent of the guardianship and guardianship authorities is required. But starting from the age of 14, a child can independently issue a card.

Conditions for a social savings card

For all conditions and accumulative interest rates, please visit the official website of the Bank or visit the nearest branch. Owners of social plastic have access to the same functions as for other banking products. The new savings card is already connected to the loyalty program Thank you. This allows you to pay for purchases and receive cashback to your bonus account. In partner stores, you can receive a discount and pay with cash bonuses. Please note that bonuses are not fully calculated for the goods, the Thank you participant receives a discount of 99 percent of the total amount, and one percent will have to be paid from the main account. The terms of the promotion can be found on the official website of Sberbank.

In addition, Sberbank social savings card has one main advantage - it is the accrual of interest on the account balance. The rate is insignificant, but a nice bonus of 3.5 percent. It is important that if there is no money in the account, the bet is not paid out. It is made in the case when the plastic holder partially leaves a sum of money on the balance sheet. For example, if about 5 thousand rubles remained on the account at the end of the billing period, then the citizen will receive 175 rubles, according to the accumulation condition.

Otherwise, the card differs little from other banking products. The plastic holder can register a personal account, install a mobile application. They also set up recurring payments.

But what about people who do not have preferential social benefits. You shouldn't get upset. The banking organization offers other forms of the funded system that are suitable for all segments of the population without exception.

Setting up a savings account

At the moment, there is a service in Sberbank - Save for a purpose, and the deposit amount is from a thousand rubles. To make a deposit, you do not need to visit a Sberbank branch in person. Everything is done remotely through the online office of Sberbank. They replenish the savings account online, and track all movements on it through a mobile application.

The interest rate for this service is 3.6 percent per annum. A great opportunity to save money for a specific purpose. For example, you need to save 40 thousand rubles in one year. At this tariff, you will have to accumulate only 39 thousand 271 rubles, the remaining amount will be added by the bank and its size will be 729 rubles. Provided that the client will monthly replenish his savings account in the amount of 3 thousand 479 rubles.

They replenish the account in any available way, including depositing money into the account by transfer from the youth card. It is issued from the age of 14, while parental consent is not required. You can withdraw money from savings without special agreement with the bank. Important. However, the client of the bank withdraws cash only to the branch of Sberbank, and he must have a passport with him.

You can open an account from the age of 14, so there are some restrictions on cash withdrawals. If funds are withdrawn from the account by strangers, then the consent of one of the parents and guardianship authorities is required. This applies to the fact that the account receives funds in the form of alimony, benefits, inheritance amounts.

How to open a Sberbank savings card

Every person with a Russian passport, as well as those who have reached the age of majority, has the legal right to open a Sberbank savings card.

To do this, personally visit a branch of Sberbank, write an application and present an identity document. Also, read the terms of the selected program and check with the Sberbank employee on what conditions the card is issued.

There is another way to process plastic - this is filling out a questionnaire on the official Internet portal of the bank. An application is left online, in which all information about the citizen is specified, and a tariff plan is selected. After the card is made, it can be picked up at the nearest branch of Sberbank.

To receive interest on the deposit, make a deposit in the amount of 30 thousand rubles to your account. Also, the bank without fail sets the condition that the deposit must be replenished monthly. The amount of one thousand rubles should be credited to the savings account. The maximum term of the deposit is about 2 years. Each client chooses the most optimal accumulation period.

A savings card of Sberbank gives a person a number of advantages. A banking organization provides for the early closure of a savings account. When this situation occurs, the interest that has already accumulated in the account is paid on demand.

In addition, plastic holders have the ability to withdraw cash. But you must not allow a smaller amount to remain on the deposit than is set by the limit. If the client deposits more than 100 thousand into the account, the storage card maintenance fee is not taken. The more funds are deposited into the deposit account, the higher the interest rate becomes. This means that the amount of income increases. If there is less than 30 thousand rubles left on the accumulative card, the accumulative system immediately ceases to operate. In this situation, the Sberbank savings card does not receive interest on the balance.

Reading time ≈ 20 minutes

In this article we will talk about storage cards, or as they are also called profitable. As the name implies, these cards can earn extra money.

Accumulative cards have become a new milestone in the development of financial relationships and settlements among the population. If earlier there were only ordinary debit cards on a “withdrawn-thrown” basis, now many banks offer such a service as interest on the balance of the deposit, as well as a return on the purchase price, the so-called cash-back (“cash back”, in translated from English - refund).

What were these cards for? This is done so that people do not keep money under the mattress, and this money circulates constantly. This is a kind of demand deposit with free circulation and easy withdrawal. This money is always in your wallet, you can withdraw it at any time (unlike the same deposit), there are no restrictions for this. Of course, the interest is not very high if you regularly withdraw money from your card.

Features of cards with interest on the balance

The amount of interest in each bank is individual, usually it is up to 5-7% per annum, some banks set 8-10%. Most often, interest is charged on the average monthly amount that was kept in the client's account. Some institutions charge a daily rate on the balance of money on a specific day. By default, the yield is credited for the next month (for example, for February in March).

Some banks set a grid of interest rates. For example, when storing one amount, 5% per annum will be charged, and with a larger amount, 7% per annum. Therefore, if the bank writes "Up to 7% per annum", it is not a fact that you will receive these 7%. You need to look at the tariffs and conditions for providing the option.

Interest may be calculated not on the main account of the card, but on the Savings account or deposit linked to it. Also pay attention to this aspect.

Best storage cards: list

We offer you to familiarize yourself with the list of the most popular bank cards with the accumulation of interest on the balance.

Debit card Tinkoff Black

The card is issued completely online. To receive it, you need to contact the bank online, then Tinkoff delivers the card by mail. When storing own funds on the account, the bank charges 7% per annum, but on condition that the monthly turnover on the card as part of non-cash transactions is at least 3,000 rubles. When storing on the account up to 300,000 rubles, 7% per annum is charged, for amounts over this balance 3%. Charge monthly.

Features of the Tinkoff Black card:

  • issued completely remotely;
  • the account can be maintained in rubles, dollars and euros;
  • the bank can connect a credit line to the card;
  • if the account balance is less than 30,000 rubles / 1,000 in euros or dollars, the service will be free. In other cases, 99 rubles / 1 ye per month;
  • the Cashback function has been activated, which allows you to return 1-5% of the amount of non-cash transactions performed back to your account. For special offers from partners of Tinkoff Bank, the remuneration will be 3-30%;
  • free Internet and mobile banking are connected.

Cashing out can be free if the withdrawal amount is 3,000 rubles or more, otherwise the operation costs 90 rubles. If during the billing period the client withdraws more than 150,000 rubles in total, then transactions over this amount are subject to a commission of 2%, but at least 90 rubles each. You can top up the card online from any other bank card, as well as through bank partners (more than 300,000 points in Russia) and by bank transfer.

Multicard VTB24

A universal payment instrument that can be both debit and credit. The client can connect a savings account to the Multicard, which will allow him to receive income from his own funds. VTB24 will apply a yield of 7% per annum to this account.

Key features of the map:

  • you need to open a separate savings account;
  • the service will be free if the client spends more than 15,000 rubles in stores per month, or the average monthly account balance exceeds 15,000 rubles. Otherwise, 249 rubles per month will be charged for the service;
  • 1-2% cashback for all purchases, 2-10% in the Auto or Restaurant category;
  • free cash withdrawal at VTB24 ATMs, free cash withdrawal at any other ATMs within the amount of 150,000 rubles per month.

Russian Standard, debit card "Bank in pocket Standard"

The card also has Gold and Platinum types, but the most common option is a card with a standard non-privileged service. An application for a debit card is sent by a citizen online or through the office of Russian Standard, the age limit for the holder is 18-75 years. If there is an amount of up to 300,000 rubles on the account, 8% per annum is charged, interest is not applied to amounts above this limit. There are no minimum card turnover requirements.

Features of "Bank in your pocket Standard":

  • the account is opened only in rubles;
  • free mobile and internet banking, SMS banking costs 50 rubles per month;
  • card maintenance will cost 900 rubles annually or 99 rubles monthly. The service will be free if during the billing period the daily balance was not lower than 30,000 rubles;
  • card with an individual design;
  • connection of the Cashback function with a return of up to 5% of the spent;
  • the Discount Club program, which allows you to receive discounts of up to 30% from Russian Standard partners.

Cashing out a card account can be free of charge if you withdraw up to 50,000 rubles (daily limit) through Russian Standard ATMs. In another case, as well as when cashing out through ATMs of third-party banks, a commission of 1% of the withdrawal amount, but at least 100 rubles, is charged. Transfers to Russian cards of other banks are paid: the commission will be 0.5% or 1.9% of the amount, depending on the method of transfer, but at least 50 rubles. Replenishment of the card account is free of charge through the RS-EXPRESS website, Russian Standard ATMs.

LocoBank, debit card "Simple Income"

The card is issued only at LokoBank branches upon presentation of a passport by a citizen (the addresses of the branches can be found on the bank's website). This is a debit card of the Gold category. The bank accrues 8.5% per annum on the client's own funds on the card. The accrual condition is the presence of a minimum balance during the billing period in the amount of 20,000 rubles or non-cash transactions for the same amount. You can also issue this card of the Platinum category, then the accrual percentage will be 10.5% per annum, and the minimum balance is 40,000 rubles.

Features of the LokoBank card "Simple income Gold":

  • the account is kept only in rubles, euros, dollars;
  • you can issue one additional card for free;
  • annual service is free;
  • transactions carried out through Loko Online are added to the minimum balance in an amount that is a multiple of four. For example, when making an operation for 5000 through the Internet bank, the client already fulfills the minimum balance of 20,000 rubles (5000 * 4);
  • free Internet and mobile banking, as well as SMS informing.

No commission is charged for cashing out at LokoBank and its ATMs. If you use ATMs of other institutions, then cashing out will cost 1% of the transaction amount, but at least 100 rubles. Replenishment of the card is free of charge through the Internet bank, at LokoBank branches or through the mobile application. You can also use the services of Zolotaya Korona points or QIWI and CyberPlat terminals: the money will go in 3-5 days, a commission is taken at the operator's rate.

Bank Otkritie, debit card "Smart card"

The card can be obtained by a citizen completely remotely. An application for its receipt is sent online, after which the means of payment is delivered by courier (delivery is relevant in major 33 cities of the Russian Federation). If you store your own funds on the Smart Card, then Otkritie Bank will charge 7.5% per annum on them. There are no restrictions on the amount of the minimum balance.

Features of "Smart Card":

  • the account is kept only in rubles;
  • completely remote registration without visiting the office;
  • if the total monthly non-cash turnover for the billing month is 30,000 rubles or more, no commission is charged. If this requirement is not met, then the commission will be 299 rubles per month;
  • the cashback function is connected. If the monthly turnover of purchases on the card does not reach 30,000 rubles, then Cashback is 1%, if the turnover is higher - 1.5%. Cashback - a return to the account of a part of the funds spent on the card. In promo categories, the return can reach 10%;
  • Internet and mobile banking are free, SMS-Info costs 59 rubles per month.

Cashing out a card account at ATMs of any institutions can be free of charge if the following conditions are met: if the turnover of monthly purchases exceeds 30,000 rubles, then up to 50,000 rubles can be withdrawn free of charge; if the turnover does not exceed 30,000 rubles, then only 5,000 rubles are allocated for free cashing out. In other cases, a commission is taken, you can withdraw no more than 150,000 rubles per month. Transfers and replenishment of the Smart-card from any other cards are free.

Ak Bars, card "Evolution"

Premium card from Ak Bars bank with a wide range of additional options and privileges. The maximum yield of 8% is provided if during the month the client maintains a minimum balance on the card in the range of 30,000-100,000 rubles. With a balance of less than 30,000 and more than 100,000 rubles, a rate of 3% per annum is applied. That is, if at least one day of the month the amount per carriage is below 30,000 rubles, the profitability for the entire month will be calculated at a lower percentage.

Key features of the map:

  • no need to open a savings account or deposit;
  • the service will be free if the client tops up the Evolution card in the amount of 10,000 rubles or more within a month or pays for purchases with it in the amount of at least 20,000 rubles per month. Otherwise, the service fee will be 79 rubles per month;
  • 1% cashback is set on all purchases. If during the month the amount of purchases exceeded 20,000 rubles, the cashback increases to 1.25%;
  • cash-out operations at any ATMs are free within the limits of 50,000 rubles;
  • connection of additional options for privileged clients.

MTS Bank, debit card "MTS Money Deposit"

This card can be obtained at any office or store of the MTS brand, it is issued instantly, the issuance period does not take more than 15 minutes. The card is debit, you can store your own funds on it, for this, a savings account is attached to the card in parallel with a regular account, where interest will be credited. If the daily minimum balance during the billing period is 1000-299000 rubles, then MTS-Bank charges 7.5% per annum. If the minimum balance exceeds 300,000 rubles, then 6% per annum is charged.

Features of the MTS Money Deposit card:

  • the account is serviced only in rubles;
  • card maintenance costs 590 rubles annually;
  • you can connect the "Shopping" option, which costs 1,500 rubles a year. This is Cashback, when making purchases with payment by the MTS Money card, the Deposit will return 3% of the spent money back to the account. To receive a bonus, you need to ensure a monthly turnover on the card of at least 15,000 rubles;
  • you can activate the “Mobile” option at a cost of 500 rubles annually, then 3% of the turnover on the card will go to your mobile account;
  • free online and mobile banking.

You can cash out the card account for free at the cash desks of MTS-Bank and at its ATMs. Also, MTS Bank customers can withdraw funds free of charge through Sberbank and VTB24 ATMs. Monthly you can withdraw no more than 600,000 rubles, daily - no more than 50,000 rubles. Transfers to cards of other banks cost 3.9% of the transaction amount plus 390 rubles, to an MTS bank card 1% of the amount, at least 60 rubles.

Home Credit, Cosmos debit card

The card is issued only at the offices of Home Credit Bank with a passport. The payment instrument is of type Platinum. If the cardholder keeps his own funds on it, then Home Credit charges interest on their balance. The percentage of accrual depends on the amount on the card account. If during the billing period the client kept on the card an amount in the range of 10,000-500,000 rubles, then the maximum percentage of 7.5% per annum is charged. If more than 500,000 rubles were stored, then only 3% per annum. Home Credit does not charge interest for storage amounts less than 10,000 rubles.

Features of the Cosmos card:

  • SMS banking costs 59 rubles per month, Internet banking and mobile banking are free;
  • within a year after the issue of the card, the service is free. Further, it can also be free if the holder makes monthly non-cash transactions in the amount of 5,000 rubles or more or keeps a minimum account balance of at least 10,000 rubles. In other cases, 99 rubles are taken for maintenance monthly;
  • activation of the "Benefit" program: when receiving and using the Cosmos card to pay for purchases, the holder receives points. Accumulated points can be exchanged for purchases from Home Credit partners.

Cashing out a card account through MTS-Bank ATMs is free. Money can also be withdrawn through third-party ATMs, then the first 5 withdrawal operations per month are not subject to commission, and the next ones will cost 100 rubles each. Operations of depositing funds to the Cosmos card account are made free of charge through MTS-Bank branches and its ATMs. Through the Internet Bank, you can make transactions on various transfers: a transfer to an account in another bank costs 10 rubles, to a card of another bank - 1% of the transaction amount, but at least 100 rubles.

Vostochny Express Bank, debit "Card No. 1"

You can send an application for a card online on the website of the Vostochny Express Bank, after which you will only have to visit the office of the institution and pick up plastic ready for use (issuing a card takes 6-14 days). Issuing a card costs 150 rubles. If you keep up to 500,000 rubles on a card account, then interest will be charged on the balance in the amount of 7% per annum. If the holder stores more than 500,000 rubles, then only 2% per annum is charged. To receive interest, you need to have a minimum balance of at least 10,000 rubles within a month.

Features of Map #1:

  • the application for extradition is submitted online;
  • account maintenance is carried out only in rubles;
  • issuing a card costs 150 rubles, but issuing it is free;
  • a monthly service fee of 99 rubles is debited from the account on the 5th day of each month. If the holder has not made any incoming and outgoing transactions on the account, then East Bank does not charge a service fee;
  • Internet and mobile banking are free, SMS banking costs 59 rubles per month;
  • the Cash-back function is enabled. When paying in grocery stores with a card, 1.5% of the purchase amount is returned to the account, and 1% for other non-cash expenses.

You can withdraw cash from Card No. 1 without charging a commission through the cash desks of Vostochny Express Bank, as well as through its ATMs. In ATMs of other banks, no commission will be charged if the amount of the transaction exceeds 3,000 rubles; when withdrawing smaller amounts, 90 rubles are taken. If within a month a citizen withdraws more than 150,000 rubles from the card account, then a commission of 2% of the cashing amount is taken. Depositing cash to the card at the Vostochny Express bank office or through its ATMs is free of charge.

Bank Uralsib, debit card "Kopilka"

The Piggy Bank card is issued only at the offices of Uralsib Bank with a passport. The holder can independently regulate the amount of interest accrued on the balance of funds on the card account: the more money on the card, the higher the percentage. The rate is set for each day. If more than 300,000 rubles are stored on the card, the charge will be maximum - 7.5%. When storing the amount of 100000-300000 - 6%, with 50000-100000 - 5%, with 15000-50000 - 4%. If the account has less than 15,000 rubles, no interest is accrued on that day. Interest is calculated monthly.

Features of the Piggy Bank card:

  • can be obtained on the same day;
  • issuing a card and its annual maintenance costs 299 rubles;
  • The SMS service is free for the first two months, after which a fee of 59 rubles is charged monthly;
  • free internet and mobile banking.

At ATMs and offices of Uralsib Bank, cashing out of a card account takes place without charging a commission. When using other points of issue, a commission of 0.7% of the amount of the operation is taken. Free replenishment of the card is possible at the offices of Uralsib Bank, through its terminals with the function of accepting cash, via the Internet or mobile banking.

Promsvyazbank, debit card "On the move"

This is a sports card. You can send an application for a card from the Promsvyazbank website. Accrual to the balance of own funds on the card occurs when there is at least 5,000 rubles on the account for a month. The amount of accrual is 5%. If less than 5,000 rubles are stored, no accrual occurs.

Features of the map "On the move":

  • the card is equipped with Pay Pass technology, which allows making contactless payments on it;
  • the account is kept only in rubles;
  • maintenance of the On the Move card can be free if you pay monthly for purchases of at least 5,000 rubles. If this is not observed, the service fee will be 99 rubles per month;
  • the SMS informing service costs 69 rubles, the Internet and mobile banking are free;
  • the map is aimed at citizens who are interested in sports. Its holders receive 5-40% discounts in various stores: sportswear and footwear, various sports goods, sports nutrition, fitness centers, etc. A list of partners indicating the size of the discounts is available on the Promsvyazbank website;
  • privileges for participants of the Moscow marathon.

You can top up the On the Move debit card for free at the cash desks and ATMs of Promsvyazbank, you can also top up your account from a card of any bank using the online service of Promsvyazbank or through its Internet bank. Cashing out of the account is carried out free of charge at ATMs and cash desks of Promsvyazbank. Cashing out through other institutions is subject to a commission.

Sberbank, card for pensioners "Active age"

A special card for pensioners who receive or wish to receive pension payments to an account opened with Sberbank. Using this card, the holder receives additional income in the form of interest on the current account balance. The yield is 3.5% per annum, which are charged on any amount on the card, without restrictions. Interest is assigned quarterly. The card can be used to make savings.

Features of the Sberbank card for pensioners:

  • registration only at the office of Sberbank;
  • the account is kept only in rubles;
  • available only to citizens who receive a pension to an account with Sberbank;
  • card maintenance is always free;
  • free Internet and mobile banking, connection of SMS informing is free for the first two months;
  • when using the card, the holder is credited with SPASIBO bonuses, which can be used to pay for goods and services from numerous partners of Sberbank;
  • connection to the discount program with various partners of Sberbank;
  • discounts when using insurance services.

Sberbank is convenient in that it has the largest network of offices and ATMs in the country with the function of receiving and issuing cash. Thanks to this, all operations of cashing out and crediting funds can be performed without a commission. The card is served by an international payment system, so it can be used throughout the country and around the world, it is convenient when traveling.

Universal card of Touchbank

Touchbank is a new bank, but already in demand among citizens, which offers citizens remote receipt of a card. The card is universal, a credit line can be connected to it, and you can also store your funds on it in the form of a deposit. In fact, this is a card with interest on the balance of own funds. Important advantages of the Touchbank product over other similar ones are the absence of a requirement for a minimum amount of storage of funds and the daily accrual of interest on the balance. The rate is up to 7.5%.

Features of the universal Touchbank card:

  • an account can be opened in rubles, dollars, hryvnias;
  • the card is issued to the citizen by a completely remote method;
  • the possibility of connecting a credit line with a rate of 15.9% -36.9%;
  • the service can be completely free if one of the following points is met: the presence of own funds on the card in the amount of 50,000 rubles, the presence of debt on a credit line in the amount of 30,000 rubles, the non-cash monthly turnover on the card in the amount of at least 30,000 rubles. In other cases, the service costs 99 rubles per month;
  • activation of the Cashback function: 1-3% of the spent money is returned back to the card;
  • SMS informing costs 60 rubles per month, Internet banking is free.

Cashing out of the card account is free of charge in all ATMs of the world that serve Mastercard payment means. You can replenish the Touchbank card from any other bank card through a special online service (located on the Touchbank website) or through the offices of the bank's partners, the operation is carried out without charging a commission. You can also use a standard bank transfer, in which case a commission will be taken.

Prepaid Card Corn

A convenient bank card, which can be obtained at any Euroset salon upon presentation of a passport. The card can serve as a credit card, be both debit and accumulative. What options the holder needs, these he connects. You can connect the “Interest on the balance” option to the card, then when storing own funds on it, the holder will receive income: when placing up to 15,000 rubles - 4% per annum, up to 50,000 - 5% per annum, up to 250,000 - 6% per annum and up to 250 000 rubles and more - the maximum 7.5% per annum.

Features of the Corn card:

  • issued instantly in any Euroset salon;
  • maintaining an account only in rubles;
  • you can connect a credit line up to 300,000 rubles at a rate of 28.9% per annum;
  • the cost of maintenance depends on the connected options;
  • you can connect to the "Double Benefit" program and receive bonuses when performing various operations. Bonuses are converted into rubles, which can later be spent with partners of the Corn card;
  • free mobile banking app.

Cashing out the Kukuruza card through any ATMs with the Mastercard logo is free if no more than 30,000 rubles are withdrawn per month. If the amount of withdrawal per month exceeded 30,000 rubles, then a commission of 1% is taken, but at least 100 rubles for each fact of cashing out. Replenishment can be made from any card supported by the VISA and MasterCard system (the issuing bank may charge a commission). Without commission, the Corn card is replenished in the Euroset and Kari stores.

Savings card from the Russian Mortgage Bank

You can order a savings card online, and then get it at the office of the Russian Mortgage Bank. This is a classic debit card that includes additional functionality. The card account can be used as a deposit and accumulate funds in this way. When storing up to 10,000 rubles, interest is not charged. If you store 10,000-700,000 rubles on the card, the yield will be 5% or 8.5%. An increased percentage is applied if the citizen actively uses the card. If the account has more than 700,000 rubles, the profitability in any case will be 5%. Interest on the balance of funds is calculated daily, accrued once a month.

Savings card features:

  • keeping an account is possible in rubles, dollars and euros;
  • in the first two months after issuance, card maintenance will be free, then the maintenance fee will be 49 rubles per month. The fee will not be charged under the following circumstances: the daily account balance for a month is not less than 10,000 rubles, or an online deposit is opened in the name of a citizen;
  • SMS informing, Internet and mobile banking are free;
  • the Cash-back function is connected, when using a storage card for non-cash payment, 1-3% is returned to the account.

Cash can be withdrawn from a savings card through any ATM belonging to one of the VTB Group banks. The withdrawal limit is 150,000 rubles per month. You can replenish your account online by transferring funds from any bank card, the commission is charged according to the tariffs of the issuing bank. Also, with a commission, you can make transfers through various Internet banks and bank cash desks.

Debit card "Cozy Space" from Rocketbank

A convenient and advantageous debit card in terms of service, which can be obtained without a visit to the bank. An application for issuing a means of payment is sent online, and then the card itself is delivered to its holder by a courier service. Free delivery is valid in more than ten cities of the Russian Federation. If you store your own funds on the card, Rocketbank will accrue 8% per annum on them without different conditions regarding the number of transactions and the amounts in the account. Interest is always charged.

Features of the Cozy Space card:

  • remote receipt by courier service;
  • the account is kept only in rubles;
  • issuance of the card and its subsequent maintenance are always free of charge;
  • connection Cash-back. 1% of all purchases made on the card are returned back to the account. In "favorite" categories, Cash-back is up to 10% of the purchase price;
  • SMS-bank costs 50 rubles a month, mobile banking in the form of an application is free.

The balance of the Cozy Cosmos card from Rocketbank can be replenished free of charge through ATMs of Otkritie Bank. You can also replenish for free from a card of another bank, but the amount of the transaction must be at least 5,000 rubles. With a commission of 0.5%, replenishment is carried out through ATMs of the MKB bank. 6 operations per month to withdraw cash from the card can be made free of charge at any ATM in the world. Starting from the 7th cashing out operation, a commission of 1.5% will be taken, but a minimum of 50 rubles.

Debit card "Supercard" from Rosbank

An application for issuing a "Supercard" can be left online on the Rosbank website, and then pick up a ready-made means of payment at a branch. A savings account is connected to the card, which allows you to accumulate and increase your own funds. If you keep money on the card, then Rosbank will charge 6.5% per annum on them, and if the account balance exceeds 2 million rubles, then the rate rises to 7% per annum.

Features of Rosbank Supercard:

  • it is a privileged card of the gold type;
  • account maintenance can be carried out in rubles, euros or dollars;
  • an application for issuing a Supercard is sent remotely;
  • the Cashback function is connected with a return of 10% of the money spent in a certain category. Categories change regularly, they can be tracked on the Rosbank website;
  • the service will be free if the card contains the holder's funds in the amount of up to 250,000 rubles. Otherwise, the service will cost 450 rubles per month.

Cashing out and replenishment of the Supercard through cash desks and ATMs of Rosbank are carried out without charging a commission. When replenishing from cards and accounts of third-party banks, a commission is charged according to the tariffs of the sender's bank. You can also withdraw funds through third-party ATMs, the commission also depends on the tariffs of the bank that conducts the operation.