Debit card with interest accrual forum. Debit cards of Russian banks

Now the majority of banks do not charge interest on the balance of their own Money on the card account, more precisely, they do it only at the "On Demand" rate. The rate implies 0.01% per annum. But there are also pleasant exceptions.

There are different ways banks charge interest on personal funds on the card. Let's consider them in more detail.

Debit cards with interest

The essence of the first method consists in choosing a debit card, in which interest accrual is also "sewn in" at the tariff for the balance of funds. This method is practiced by a small number of banking organizations. For example, MDM Bank's bank cards of two categories are charged 3% per annum, these are the Infinite and Platinum categories.

The same is observed for the Platinum card from banking organization Tinkoff Credit Systems. According to it, the bank charges 8% per annum on the balance of funds (if this balance does not exceed 200 thousand rubles, otherwise 4% is charged).

You don't have to write any exhausting statements to calculate interest, everything happens automatically. However, there is a certain disadvantage in this - when deciding to change your card to some other of the same bank, interest will simply stop accruing.

It is easy to understand this using an example: if you have issued a card at MDM Bank Visa Platinum with the accrual of 3% per annum on the balance of the account and you had to issue a card with a transport application, the latter is considered a separate product, and the accrual of interest on its tariffs is not included. Thus, you will receive two options for solving the problem - either abandon the old card with interest, or keep both cards, paying the cost of annual maintenance for each of them.

By the same principle, there are special "Profitable cards" that banks create for the accumulation of funds. Promsvyazbank issues such a card, charging up to 4.5% per annum in rubles.

Savings accounts

For the second method, it is provided that a savings or savings account is connected to the card account. If the client makes such a desire, then a separate account is opened for him, and interest will be charged on the balance of funds on it. This method is used by Svyaznoy Bank, Rosbank, Alfa-Bank, Russian Standard, etc.

For example, in the bank "Russian Standard" it is possible to connect the "Savings account". If the amount of the balance on the bank card exceeds 300,000, then 10% per annum will be charged on this balance. If the amount is below 300 thousand, then the charge is halved (5%).

Alfa-Bank has several savings accounts at once - "My safe", "Blitz-income", "Valuable time". The service package that you connect, the time spent on the account and the minimum amount on the account directly affects the profitability of the savings account with Alfa Bank. Thus, the maximum profitability on the "Valuable Time" account is 7.5% per annum in rubles.

There is one complication, which is that money should be transferred to the savings account from your card account through an ATM or through banking (or with the help of a specialist working in this bank).

If the account balance is below 100 thousand rubles, then clients can connect a SAFE account using Svyaznoy Bank cards. In this case, they will be charged 10% per year, but if the amount exceeds 100 thousand rubles, then the interest rate is halved (5%).

The advantage of this method is the ability to connect the account to any card. For example, if you are the owner of an Alfa-bank Cosmo debit card, you can write a corresponding application, and a savings account will be easily connected to this card. The same can be done if you have any other bank card available.

Social cards with interest

A separate case from the previous two methods is the accrual on bank cards, which are intended for selected categories citizens, for example, for retirees. Here they practice both the one and the other calculation option, that is, the card directly with the calculation of interest and the accumulative retirement account together. The average interest rate for these products is from 3 to 4% per year. For example, in AK Bars and Sberbank, you will have to open a retirement savings account to the card. In AK Bars, up to 1.2% per annum will be charged on the "Accumulative pension" account (depending on the amount on the account), in Sberbank - 3.5%. And the Bank of Moscow operates separately " Pension card"And 4% per annum is charged on it.

Credit cards with interest on the balance of own funds

Quite interesting products are credit cards, which provide for the ability to store the borrower's own funds on them, on which interest is charged. In fact - such cards are universal - debit and credit. As long as they have your own funds - you use them, but how own funds not enough, you can use the credit limit.

Such cards are offered to be issued by MTS-Bank, Svyaznoy Bank, Sovetsky Bank and a number of others.

In MTS-Bank, depending on the type of credit card, from 5 to 8% per annum will be charged. In the Sovetsky Bank by credit card This is your own Gold is charged 7% on the balance of your own funds, and in Svyaznoy Bank by the Svyaznoy card WORLD MasterCard- to 10%.

Quick solution to the problem

Ural Bank reconstruction and development

Very quickly they made a new Maximum card instead of the lost one. I contacted the office on Mytnaya on 3.04, in the morning of the 7th I received an SMS that the card was ready and on the same day I stopped by to pick it up. There was a small queue, in total about 25 minutes this business took me. I would like the issue with the queues to be resolved, but as a whole I am more than satisfied with the services of UBRD and their attitude towards clients. Thanks!

Firuza, Moscow

Most best bank

Tinkoff Bank

I have been a client of this bank for about 3 years, I am very pleased, to open a deposit, to reissue a card, to resolve any issue without leaving home is easy! People who value their time will understand me, it's enough just to call, instead of wasting time in endless queues of offices of other banks! Thank you very much for the excellent service, saving client time and the desire to remain the best!

Anastasia, Moscow

For translations

met with them so rarely met in Russian banks friendly service, in general there are few educated people left. Was in order to issue a regular debit card for transfers. I didn’t want to do it online, it’s safer and easier, but easier because you can ask all the questions at once. Well, that's all, as expected, two weeks later I received the card in my hands, tied my phone. It is important for me that a person who ...

Evgeny Korzhevsky, Moscow

Debit card from Lokobank

Loco-Bank

I opened a debit card in Lokobank, I didn't understand nifiga on the site, there are a lot of letters, too lazy to read) I went to the Smolensk branch. Probably sat for an hour and a half, choosing a tariff for myself, chose)) We compared everything with the girl, chose what would be better for saving. At the same time, I also consulted on deposits. Thank you very much for the excellent service and for your patience, a rare thing you can find in banks !!

Tone4ka, Moscow

About reliability and convenience

I have been a client of the bank since the beginning of the 2000s (since Investsberbank, since 2008 - OTP). I met the branches of the head bank in a completely different countries Europe, incl. in the post-Soviet space. I used ATMs there and paid for purchases and services with a card. During this time, I did not encounter any difficulties in interacting with the Bank, changing cards on time, making deposits (by the way, with ...

Mikhail, Moscow

Refund, ATM did not issue cash when withdrawing due to a technical malfunction

Moskovsky Credit Bank

On February 13, 2019, I withdrawn cash from an ATM of PJSC MKB in the Kuntsevo Plaza shopping and entertainment center located at the address: Moscow, st. Yartsevskaya, 19 (hereinafter - ATM), in the amount of 8000.00 (Eight thousand) rubles. The ATM did not issue cash, I made a cash withdrawal operation on the statement of my current account. By phone, PJSC "MKB" was informed that an ATM with the status of a technical error, then it was transferred to ...

Interest cards Welcome! They constantly try to marry me one or the other unmarried girl.

It got to the point that my mother tried to introduce me to her employee. We didn't have a romance, but communication turned out to be useful, especially for her.

The lady is saving money to buy a summer house and looking for profitable ways to receive additional interest. He advised her to get a debit card with interest on the balance of funds. She liked the idea. And if you also want to be aware of how it works, then read on.

In this article, we will focus on profitable debit cards with interest accrual. The rates on such cards are much lower than on ordinary deposits. However, the main advantage is the ability to quickly withdraw money from the card. Below is an overview of Rocketbank, PSB, Home Credit and other banks cards. You can learn more about the rating of profitable cards here - the rating of profitable cards.

Rocketbank debit card This card allows you to receive monthly 9.5% per annum.

This is the best deal on the market for this moment... Interest is calculated monthly.

Card service is 75 rubles per month at the minimum tariff. If the amount of your transactions is more than 30 thousand, then the service fee will not be charged.

The card is currently available for residents of St. Petersburg, Moscow and Yekaterinburg. It is not necessary to be a resident of these cities, it is just that the courier delivers the card only in these cities. It is enough to be in the city and order the delivery of this debit card.

Screwed to the map mobile applications allowing you to keep track of income and expenses. In addition, 1.5% of the purchase amount is returned to your account in the form of rocket rubles. As soon as you have more than 3000 rocket rubles, you can exchange them for real rubles by making a cashback on the purchase. The card issuer is Interkommerts Bank; physically, all the money is in it.

Home Credit bank profitable card

The bank offers a profitable Visa Gold and MasterCard Gold cards. The card rate is 7% per annum. The issue costs 2,500 rubles. Internet bank is provided to you free of charge. the amount of cashless withdrawal is up to 1.5 million rubles. You can withdraw up to 300 thousand rubles in cash per day. Good offer... But the cost of the issue is confusing. Although, if you don't have a Gold card, I recommend it.

Social card from Sberbank Social bank cards with the accrual of interest in Sberbank are available only to those who receive pension payments.

The income on such a card is calculated at a rate of 3.5% per annum daily, and the payment is made at the end of each month.

The percentage here is not very high, but if we consider that pensioners receive a Sberbank social debit card absolutely free of charge, and the rate is charged even if the funds were deposited in the account for only one day, this way of increasing personal funds takes place.

Participation in the "Thank you from Sberbank" program, according to which each debit card holder receives a refund to the bonus account from 0.5% of purchases made with the card, can become a kind of alternative to the accrual of interest. At the same time, by closely following promotions and loyalty programs, you can receive up to 50% of bonuses from funds spent in trade and service enterprises.

Profitable card from Promsvyazbank

"Profitable card" "Promsvyazbank" allows you to receive income up to 10% per annum! However, it should be taken into account that the rate here will vary depending on the amount of the minimum account balance. So, on an account in rubles when holding funds up to 15,000 rubles, the holder will not receive anything over the specified amount - income at the rate of 4.5% per annum.

A warning!

But irreducible funds in excess of 50,000 rubles will really increase at a rate of 10 per annum. Interestingly, interest is calculated daily, based on the balances at the beginning of each trading day.

Payment of income occurs monthly, except for the first month of use. Maintenance of such a payment instrument will cost the client 650 rubles per year.

Bank in the pocket of the bank Russian Standard Russian Standard offers debit cards with interest, perhaps with one of the most interesting conditions.

With the active use of such a card, the holder has the opportunity to receive up to 10% per annum. How is the calculation done?

In this option, the income goes not to the minimum account balances, but to expense transactions.

That is, the more purchases and services you pay with the Bank in Pocket card, the more money will be returned to you. Thus, the maximum annual rate of 10% is charged for expenditure transactions per month for more than 30,000 rubles.

It is also worth saying that by registering such a product, you also get access to the card's credit account, which means that you can not only accumulate interest, but also use the bank's funds on the conditions provided to them. In addition, there is the possibility of issuing such bank cards with the accrual of interest in various categories: standard, gold or platinum.

"My safe" from "Alfa-Bank"

Each client who opens a savings account "My Safe" at Alfa-Bank is issued a plastic card, for which the same transactions are available as for a standard debit card.

Attention!

The account is opened in rubles, dollars or euros, the interest is charged relatively small - from 1.2 to 3% per annum.

However, such a card is interesting for its ability to place and use an almost unlimited amount of funds on the account - up to 20 million rubles.

What are Interest Debit Cards?

What are debit cards Debit cards with interest - these are plastic settlement instruments that are familiar to most modern people.

Users can also successfully use their funds stored on cards international systems: withdraw cash, make transfers within Russia and abroad, pay for purchases in online stores and, of course, pay with them at the terminals of trade and service enterprises.

At the same time, the holder receives a pleasant bonus in the form of a percentage on the minimum unspent balance for the month, and for some programs, such as in Thank you from Sberbank, also a return of interest on purchases with the card.

Such plastic cards are issued according to the same rules as standard ones: as a rule, for adults, citizens of Russia or, in some cases, foreign citizens-residents of the Russian Federation. The bank is considering the possibility of issuing cards in accordance with the procedure established by it.

Some financial institutions offer their customers savings cards that differ in status (standard, gold, platinum) and the ability to open accounts in one of the three most popular currencies (rubles, dollars, euros).

Do not confuse bank cards with the accrual of interest on a positive balance with deposits, because there are several significant differences between them:

• Your "hard-earned" funds remain on the current account, you have constant access to them;
• You can withdraw all funds, and after a while, replenish the account again, the accrual of interest will resume;
• How much to withdraw and how much to invest, for how long to place this or that amount - only you decide;

It's great if your permanent plastic card to which you are transferred wages, participates in a similar program.

Advice!

However, if your bank does not provide such a service, and you constantly have unspent funds, it makes sense to get a special card for savings.

What deposit cards with interest accrual are there? How to get the highest income using such financial instrument? Than similar devices from different companies differ from each other? These questions can be answered by taking, for example, several cards from different banks.

Alternative to cards with interest accrual

Deposit cards with interest accrual have a fairly competitive alternative - these are deposits with monthly payment accumulated funds.

Interest here can be somewhat more profitable, and you will also receive income from them every month. In this case, it is worth paying attention to the possibility early termination, some banks today, even in this case, retain the percentage of payments in full.

Thus, you can use the accrued interest, and, if necessary, receive all your funds.

source: http://hcpeople.ru/

Best Debit Cards with Interest Calculation: An Alternative to Deposits

The best debit cards Debit cards can rightfully be considered a worthy alternative to banking deposits, because they are endowed with some qualities that deposit accounts cannot boast of.

This article will discuss the advantages of deposit cards, as well as some aspects regarding the choice of the bank and the card itself.

In addition, the conditions for opening and servicing debit cards from some banks of the Russian Federation, which are relevant at the moment (April 2015), will be presented.

A warning!

The main similarity between debit cards and bank deposits is as follows: in the first and second cases, the client transfers his funds to the bank, which, in managing the money, pays interest to the owner of the capital.

In some cases, the interest rate offered by banks on debit cards is not inferior to the rate on traditional deposits. The money on the card is also protected by the state under the program compulsory insurance(the maximum amount of compensation, as well as for a deposit, is 1.4 million rubles).

Benefits of debit cards

Conditions are far from all deposit programs offered by the domestic market banking services, allow the depositor to freely dispose of his funds, which are placed in the bank within the framework of a particular deposit.

Attention!

A debit card makes it possible to withdraw money at any time, pay for a purchase in a store, and pay for large purchases.

In the same way, the cardholder can refill his account at any time or transfer funds from the card to an account in any bank. This is the main advantage of debit cards, but far from the only one.

Credit limit

Despite the fact that debit cards, by definition, allow you to manage exclusively the funds of the client himself, many banks allow overdrafts - they open a credit limit for the client.

Thus, the holder of capital not only has the opportunity to use it at any time, and in full, but also to receive a bank loan automatically.

Online payments

The overwhelming majority of debit cards involve transactions with funds online, which is not allowed by standard terms of deposits - the cardholder can remotely make payments, make transfers in favor of individuals, legal entities... Accordingly, the accrued interest will be transferred to the same card.

"Cash back"

Bonuses in case of payment by card In addition, it is often more profitable to pay with cards than in cash (and much faster than using a bank account).

Many service providers and sellers offer discounts and various bonuses in case of payment by card.

Also, such a function as "cash back" is becoming more and more popular - this is the return of a certain part of the payment back to the card with which the payment was made.

Usually, it comes on the return of an amount of 0.5% - 3% of the payment amount, however, in some cases, the return can reach 10% - 15% (expensive restaurants, hotel booking services, car rental).

Based on the listed advantages, we can summarize: a debit card is beneficial to the owner of capital who wants to have an effective payment instrument at hand and at the same time receive income in the form of interest charges.

An analogy can be drawn here with bank deposit- the more funds are on the card, the higher its status, the more beneficial a debit card is for its owner.

Choosing a bank and debit card

Since we are talking about a debit card as an instrument of accumulation, first of all, the potential holder of a bank card is interested in profitability.

Advice!

Of no less interest is the degree of security of funds on the debit card of a particular bank.

In addition, do not forget that a bank card was originally provided as a payment instrument, so the owner of the capital should consider the issue of the availability of funds.

Bank reliability

So, when choosing a bank to open a debit card, it is worth considering the relationship between the degree of the bank's reliability and the profitability of the card. The more stable the bank, the more it is protected from all kinds of shocks in the banking sector, the lower the interest rate it offers to its clients.

A warning!

Small banks, in turn, can offer a very interesting interest rate, but no one can guarantee that this credit institution will not soon have its license revoked (which is very important for the Russian Federation as of early 2015).

Therefore, only those who intend to keep a significant amount (more than 1.4 million rubles) prefer to issue debit cards in industry-leading banks, using the card as a convenient payment tool.

The amount of funds on the card

On the other hand, if a potential cardholder does not plan to keep a significant amount on it (an amount exceeding the DIA's insurance coverage), then there is every reason to look for a bank that offers the maximum interest.

Only in this case it is necessary to take into account that if the bank has problems, the funds will be unavailable for some time (until the start of compensation payments on deposits, accounts, etc.).

Card status

The profitability of a debit card also depends on how much it will be necessary to pay for its opening, maintenance, withdrawal of funds (commissions for other operations are possible).

Debit cards with high status (Gold, Platinum, etc.), for which the maximum percentage and various bonuses are offered, require certain costs at the stage of registration and in-line service.

This, on the one hand, reduces the overall profitability, but, on the other hand, allows for high profitability in the event that the card is used not only to demonstrate the status of its owner, but significant funds are actually (turned over) on it.

Irreducible amount

A separate point that is worth paying attention to when studying the conditions for opening a debit card is the minimum balance threshold (the amount that should remain intact in any cases).

Violation of this rule is fraught with loss of interest for a certain period (depending on the conditions of the bank).

The amount required to open

One of the differences between debit cards of different banks is the "entry threshold" - a different amount may be required as a mandatory contribution to open a card.

This amount can be 100 rubles, or 30 - 100 thousand rubles. To a large extent, the minimum amount to open a debit card depends on the status of the card.

Choosing a bank and a debit card When opening a debit card with income on the balance, the owner of the capital can pursue two main goals (making a profit and using the card for payments) in different percentages.

If the priority goal is to ensure the safety of funds when it is possible to freely use them (and the amount on the card exceeds the limit of insurance compensation), then it is advisable to open the card in a large and stable bank, despite the lower profitability.

If the priority is to increase funds (the amount is less than 700 thousand rubles), then you can choose a bank with the most convenient conditions and an attractive interest rate.

Attention!

We will start by looking at the terms and conditions from the major banks that are in the best interest of the citizens of the first group of debit cardholders. We are primarily interested in TOP-50 credit organizations.

It is worth clarifying that the largest banks (Sberbank, VTB-24), as a rule, do not experience a lack of liquidity. And therefore, the interest charged by them on deposit cards is usually not very high.

Home Credit Bank

The bank is one of the systemically important banks of the Russian Federation, and therefore is considered one of the most stable. As part of debit cards Visa Gold and MasterCard Gold credit organisation offers the accrual of interest on the balance of funds at a rate of up to 10% per annum.

It offers free connection and use of the Internet Banking service, free opening and no commission with a balance of at least 10,000 rubles, as well as quite attractive daily withdrawal limits (withdrawals of 500,000 rubles, non-cash payment of 1.5 million rubles).

Russian Standard Bank One of the largest and fastest growing over the past few years, the bank offers a number of rather interesting offers for debit cards.

Among them, MasterCard Platinum can be distinguished - this card offers income accrual on the balance of up to 14% per annum.

It is worth saying that this is a rather expensive and status card, its annual maintenance costs 10 thousand rubles.

However, if the turnover on this card during subsequent years (the card is issued for 5 years) exceeds 600,000 rubles, then in this case the service is free.

And if the amount of expenses on the card is less than 30,000 rubles, then the percentage on the balance is reduced to 12% per annum. In addition to the accrual of interest, cashback up to 10% is provided, as well as automatic participation of the owner in the "Discount Club" system - services and purchases around the world with a discount of up to 30%.

B&N Bank

The "Profitable Card" offer from B&N Bank assumes receiving up to 10% per annum in rubles, up to 4% in US dollars and up to 3% in euros.

To get the maximum percentage, it is necessary that the balance on the card does not fall below 10,000 rubles.

Tinkoff Credit Systems

Bank TCS - an operator providing online customer service offers a debit MasterCard in the Platinum status, the interest rate reaches 12% per annum.

Advice!

You can control the movement of funds on the card using the Internet through a computer or mobile devices. Cashback up to 30% is provided. You can order the card on the official resource, after which the bank undertakes to deliver it anywhere in Russia.

source: http://www.vkladvbanke.ru/

Now the majority of banks do not charge interest on the balance of their own funds on the card account, or rather, they do it only at the “on demand” rate. The rate implies 0.01% per annum. But there are also pleasant exceptions.

There are different ways banks charge interest on personal funds on the card. Let's consider them in more detail.

Debit Cards with Interest Accrual The essence of the first method is to choose a debit card, in which interest accrual is also "sewn in" at the tariff for the balance of funds.

This method is practiced by a small number of banking organizations.

For example, MDM Bank's bank cards of two categories are charged 3% per annum, these are the Infinite and Platinum categories.

The same is observed with a Platinum card from a banking organization. Tinkoff Credit Systems. According to it, the bank charges 8% per annum on the balance of funds (if this balance does not exceed 200 thousand rubles, otherwise 4% is charged).

You don't have to write any exhausting statements to calculate interest, everything happens automatically. However, there is a certain disadvantage in this - when deciding to change your card to some other of the same bank, interest will simply stop accruing.

It is easy to understand this using an example: if you issued a Visa Platinum card at MDM Bank with 3% per annum accrued on the balance of the account and you had to issue a card with a transport application, then the latter is considered a separate product, and the accrual of interest on its tariffs is not included. Thus, you will receive two options for solving the problem - either abandon the old card with interest, or keep both cards, paying the cost of annual maintenance for each of them.

By the same principle, there are special "Profitable cards" that banks create for the accumulation of funds. Promsvyazbank issues such a card, charging up to 4.5% per annum in rubles.

Savings accounts

For the second method, it is provided that a savings or savings account is connected to the card account. If the client makes such a desire, then a separate account is opened for him, and interest will be charged on the balance of funds on it. This method is used by Svyaznoy Bank, Rosbank, Alfa-Bank, Russian Standard, etc.

For example, in the bank "Russian Standard" it is possible to connect the "Savings account". If the amount of the balance on the bank card exceeds 300,000, then 10% per annum will be charged on this balance. If the amount is below 300 thousand, then the charge is halved (5%).

1. Alfa-Bank has several savings accounts at once - "My safe", "Blitz-income", "Valuable time". The service package that you connect, the time spent on the account and the minimum amount on the account directly affects the profitability of the savings account with Alfa Bank. Thus, the maximum profitability on the “Valuable Time” account is 7.5% per annum in rubles.
2. There is one complication, which is that money should be transferred to the savings account from your card account through an ATM or through banking (or with the help of a specialist working in this bank).
3. If the account balance is below 100 thousand rubles, then clients can connect a SAFE account using Svyaznoy Bank cards. In this case, they will be charged 10% per year, but if the amount exceeds 100 thousand rubles, then the interest rate is halved (5%).

The advantage of this method is the ability to connect the account to any card. For example, if you are the owner of an Alfa-bank Cosmo debit card, you can write a corresponding application, and a savings account will be easily connected to this card. The same can be done if you have any other bank card available.

Social cards with interest

Social cards A separate case from the previous two methods is the accrual on bank cards, which are intended for certain categories of citizens, for example, for pensioners.

Here they practice both the one and the other calculation option, that is, the card directly with the calculation of interest and the accumulative retirement account together.

The average interest rate for these products is from 3 to 4% per year. For example, in AK Bars and Sberbank, you will have to open a retirement savings account to the card. In AK Bars, up to 1.2% per annum will be charged on the Pension Savings account (depending on the amount on the account), in Sberbank - 3.5%.

And in the Bank of Moscow there is a separate "Pension Card" and 4% per annum is charged on it.

Credit cards with interest on the balance of own funds

Quite interesting products are credit cards, which provide for the ability to store the borrower's own funds on them, on which interest is charged. In fact - such cards are universal - debit and credit.

A warning!

As long as you have your own funds on them, you use them, but as your own funds are not enough, you can use the credit limit.

Such cards are offered to be issued by MTS-Bank, Svyaznoy Bank, Sovetsky Bank and a number of others.

In MTS-Bank, depending on the type of credit card, from 5 to 8% per annum will be charged. In Sovetskiy Bank by credit card Such your Gold is charged 7% on the balance of own funds, and in Svyaznoy Bank on Svyaznoy WORLD MasterCard - up to 10%.

source: http://www.storecard.ru/

Varieties of cards

Bank cards with interest accrued on the balance of funds can be used as an alternative term deposit... In the article, we will consider the features of a payment card on which interest is charged, and also determine how profitable it is to use such funds, and whether they can actually compete with bank deposits.

With the accrual of interest on the balance Some banks offer payment cards, in the tariffs for servicing which the clause on the accrual of interest on the balance of funds was initially included.

Interest on such products is calculated automatically every month and, most often, their amount depends on the minimum balance.

Such programs are not very common, but they are popular with clients. MDM Bank, for example, offers cards that charge up to 7% per annum in rubles.

On "plastic" Tinkoff Black from Tinkoff bank Credit Systems»Are charged up to 8% per annum on the balance of funds. In addition, the card has a cashback function, which allows you to return up to 30% of the cost of purchases to your account.

The "bank in the pocket" of the Russian Standard brings the owner an income of up to 10% per annum on the balance of the account.

The Svyaznoy Bank universal card provides for the accrual of 10% per annum on the balance of own funds with an average monthly balance of 10,000 rubles.

In some banks you can get a similar product that is created specifically for the accumulation of funds. For example, plastic types Standard and Gold payment system VISA from Promsvyazbank has all the advantages of a payment card, brings income up to 4.5% per annum, and also allows you to use discounts when paying in partner stores of the bank.

savings account

TO bank card a savings account is connected, on which interest is accrued. By registering "Bank in Pocket" in Russian Standard, the client has the opportunity to connect a savings account. If the amount on the account exceeds 1000 rubles, then the balance is charged 4-8 percent per annum, depending on the category of the card.

Holders of the universal product "Svyaznoy Bank" have the opportunity to open a separate savings account SAFE 2.0.

Attention!

The invoice rate depends on the amount spent with a universal card in the last month and ranges from 3% to 7% per annum. You cannot withdraw money from the account or pay for goods and services. To withdraw cash, you just need to transfer money to the card.

The minimum balance on the SAFE 2.0 account is 1000 rubles, and the validity period is 366 days.

Alfa-Bank offers its clients a range of savings accounts, including co-branded ones. The Blitz-Income account allows you to receive income from 0.01% to 5.6% per annum. In this case, the minimum rate is charged up to 100,000 rubles, and the maximum rate is over 5,000,000 rubles.

1. Accumulation account "Valuable time", with a growing interest rate, makes it possible to receive increased profits with a long stay of funds in the account. Interest rate - from 0.01% to 9% per annum on the account balance. Minimum bet is charged in the amount of up to 300,000 rubles, and the maximum - from 10,000,000 rubles.
2. The My Safe account allows you to automatically and regularly replenish your account and save money for specific purposes. The interest rate is charged monthly - from 1% to 1.80% per annum on the balance. The size of the bet depends on the selected tariff and the size of the minimum balance.
3. "Activity" - savings account with increased rate 6% per annum and monthly interest. For the account to work, you need to use a sports tracker to track the distance that you walked during the day. As much money is transferred to the savings account from the current account as the meters traveled.
4. Customers determine the cost of each meter independently (ranging from 1 to 50 kopecks). In addition, you can choose minimum amount on the account and maximum amount transfer per day. The bank has no right to transfer more than 67% of funds from the current account to the “Activity” account.
5. The Uletny savings account is opened within the framework of the S7 Priority program. For every 200 rubles, 20 US dollars or 18 euros of the monthly balance, 1 mile is credited. As a result, miles are exchanged for award flights from S7 Airlines and airline partners of the oneworld alliance.

The minimum number of miles to be exchanged for a ticket is 7500. The bank also has an offer for Aeroflot passengers. For this purpose, a savings account "AeroPlan" has been developed. For every 120 rubles, 20 US dollars and 18 euros of the minimum balance, 1 mile is credited, and an award ticket can be obtained for 15,000 miles.

Deposit or card with interest?

Deposit or card Before choosing payment card to store and accumulate funds, carefully study the conditions, commissions and costs associated with the current maintenance of the account, and also check the reliability of the bank and its reputation.

The size interest rate is not the main parameter to be guided by.

The rate should be considered at the same time as the annual card maintenance cost, withdrawal fees and minimum balance.

Most often, income from cards with interest on the balance covers the costs of their servicing and various commissions, but does not bring real income more than current expenses. Therefore, it is beneficial to have a settlement plastic with interest and additional functions.

For example, accrued income covers all expenses related to product maintenance, and the cashback function allows you to save and return to the account on average from 1% to 5% of the cost of purchases.

Lawyers point out that high profitability on payment cards is not guaranteed, because the bank has the ability to change the conditions at any time or increase the amount of commissions. At the same time, income from deposits is clearly specified in Civil Code and the bank cannot in unilaterally change the basic parameters of the deposit.

source: http://www.podborvklada.ru/

Banks began to actively offer profitable cards with interest on the balance

Since the fall, banks have begun to actively offer debit cards with the ability to charge interest on the balance. For a bank, issuing such a card is a cheap way to attract liabilities. They can also count on commission income from card transactions.

Advice!

Reduction of issue credit cards made banks pay attention to debit cards. According to a study by the United credit bureau In 9 months, 2 million credit cards were issued to Russians, which is 76% less than in the same period in 2014.

At the same time, on the whole, the volume of retail lending fell by one third. And in St. Petersburg, according to the Bank of Russia as of November 1, the volume of loans individuals decreased on an annualized basis by 28.6%, to 257.4 billion rubles.

Commission from cards B this year banks have focused on the development of commission products, attracting deposits is also showing good dynamics. As explained in the banks, they themselves have reduced their risks on credit cards, in most cases by refusing to lend to clients "from the street".

In addition, clients are also not ready to take cards, since the rates for them are much higher than for other types of loans.

As for debit cards, more and more often consumers issue additional cards for payments, in addition, they are attracted by the possibility of calculating interest on the balance.

A warning!

For a bank, issuing such a card is a cheap way to attract liabilities, plus they can expect to receive commission income on operations with cards.

Since the fall, there have been many offers from banks for income (or savings) cards with interest on the balance. In most cases, the minimum balance should be 20-50 thousand rubles per month, from 5 to 10% per annum is charged on it.

Hello dear readers. In this article, we will tell you about bank cards with cashback service and interest on the account balance.

Today you will learn:

1. What are bank cards and how to use them correctly;
2. Why do banks offer debit cards;
3. Which card to choose and what to look for.

What are bank cards with cashback?

Modern banks, in a highly competitive environment, offer their clients maximum profit. To attract a client, financial companies provide an interesting cashback service.

If 5 years ago about this service nobody knew anything, then today everything is much different. Translated from English, cashback is a refund. It turns out that cardholders with such a service can receive part of the money from their purchases. At first glance, it is a fantasy that is hard to believe.

But how does the bank return funds to its client? In fact, everything is very simple. Financial companies set the percentage of return on non-cash transactions for each card.

As soon as the client pays for the product or service, he will receive a fixed percentage back to his account. Some banks return funds instantly, immediately after the purchase, while others transfer cashback on the reporting day. In essence, a bank customer purchases a product or pays for a service at a discount.

In Russia, the service of returning a part of the money functions according to the same principles as in the rest of the world.

The buyer will be able to return funds from purchases:

• In shopping centers;
• Online stores;
• When paying for goods or services through the online account.

Banks are ready to offer cashback in the form of:

• Bonuses that can be paid in partner stores;
• Rubles that "drip" into the client's general account;
• Miles when paying for plane or train tickets.

A card with a cashback service is no different from ordinary and familiar debit cards.

It's easy to use.

All the client needs is:

• Follow in personal account for shares that the lender is happy with... In most cases, financial companies actively cooperate with shopping centers and provide their customers with large discounts on goods. During the promotion period, you can get a bonus for goods up to 30%.
• Check the number of accrued bonuses... You must clearly know how much the lender has returned to your account and how you can spend your bonus.
• Follow the news of the financial company... Every day the bank offers new attractive services with maximum bonuses and privileges.

Rating and comparison of cards with cashback from 10 banks

For your convenience, we have compiled a selection of the 10 best debit cards that deserve special attention.

Tinkoff Bank

Tinkoff is one of the largest banks. Distinctive feature of this bank is that customers receive products exclusively remotely.

Fill in online application and you can find out more about the card at the official website of the bank.

The bank has completely abandoned offices and is accepting applications via the Internet. Any card of this bank can be issued in a matter of minutes and received by a courier who will deliver it to the specified address at a convenient time for you.

Tinkoff Bank is ready to offer 12 debit cards with cashback service. For each card, the bank gives its bonus from the purchase. The Tinkoff Black card deserves special attention.

It turns out, thanks to a profitable card from Tinkoff bank you can get good bonuses. The main thing is to constantly monitor profitable offer and promotions on the official website of the company.

Alfa Bank

Alfa Bank is a universal bank that offers clients all types of banking operations... The product line of debit cards of this bank includes as many as 43 cards. This variety allows you to choose a truly interesting and attractive product.

You can fill out an application for a card and find out the details at the official website of the bank.

Each card has its own bonus for cashless transactions.

Depending on the type of card, installed maximum size return that can be obtained:

• when paying for goods in Perekrestok stores;
• when buying plane or train tickets using a card;
• paying by card at gas stations;
• paying in cafes and restaurants;
• paying for additional options in the famous game World of Tanks;
• purchasing goods in stores: MVideo or Amway.

Of all the variety, special attention should be paid to the alpha-bank card, which was named "Cash Bach". The card is very popular.

All bank customers with debit cards get free access to Alfa-Click, where you can quickly pay for services, open an additional account or transfer funds to a loved one.

If necessary, all clients of the bank can receive round-the-clock qualified assistance on free phone customer support.

Promsvyazbank is a large bank with a well-developed branch network. The bank has been actively servicing the retail business only since 2005.

You can send an application for a card and find out the details at the official website of Promsvyazbank.

The map, which deserves special attention, was named “ All Inclusive". it premium card, with the help of which your funds will work exclusively for you.

The bank provides a special security system "Super Protection" with the card. The essence of maximum protection is that the card is equipped with a special electronic chip. You can pay for goods all over the world with a card and do not worry that fraudsters will be able to take over your information.

Also a nice bonus is the ability to get two additional premium category cards for free. You can issue additional cards for a friend or loved one.

RocketBank

Rocketbank is one of the first virtual Russian banks, which was created as a convenient mobile offer with which you can use all the necessary financial products. In April 2016, Rocketbank was acquired by the well-known Otkritie bank.

The product line of this bank does not differ in the variety of offers. At the same time, the product that the bank created for its client has won the attention of many in such a short time. In this case, we will focus on the Otkritie-Rocket debit card.

The Savings Bank is one of the largest banks. This bank can rightfully be called the leader of the banking sector.

Savings Bank today is:

• more than 16,000 branches throughout the country;
• more than 110 million customers;
• convenient service and qualified banking services;
• variety of banking products;
• attractive conditions.

The bank's product line includes 10 offers for debit cards, which differ in status and conditions. The platinum card deserves special attention " Visa card with great opportunities. " The card is made in an interesting strict design in black, which perfectly underlines the status of its owner.

Bonuses from Sberbank are the amount of cashback that is accrued for each purchase. You can pay for goods and services with bonuses exclusively in partner stores. According to the terms of the agreement, 1 bonus is equal to 1 ruble.

If you decide to issue a card of this bank and actively use it, you will be able to recoup the annual service if transactions on the card exceed 30,000 rubles per month.

Opening

Otkritie Bank is represented on the market financial services since 1995. Quite recently, in November 2016, a unique gift was made to the bank's clients, in the form new card with cashback service.

The new banking product was named “Smart Card”. Today the card is very popular because it allows you to get the maximum income. It is also worth noting that everyone can apply for a card remotely. You can get the card while sitting at your home computer.

You can get the card by filling out an online application for the official website of the Bank Otkrytie.

Excellent income card - suitable for those who make a lot of purchases. If you are planning to withdraw cash from the card, you should remember about the maximum cash withdrawal limit, which does not exceed 150,000 rubles.

B&N Bank - Russian commercial Bank providing services to the population for 23 years. The bank offers its clients to take advantage of the unique loyalty program Binbonus. This is a special system of rewarding customers who actively pay with bank cards for goods and services.

To start receiving bonuses from the bank, you just need to select any debit card and activate one of the offered categories:

• auto;
• trips;
• entertainment and recreation;
• purchases in online stores;
• sports, beauty and health.

Undoubted advantage bonus program lies in the fact that a bank client can change the category for cashback independently, at any time.

Of all the variety of products of this bank, it is worth noting the "Settlement" card. You can even order a card via the Internet.

Additional bonus from financial institution- availability of an insurance contract. The insurance is valid around the world around the clock.

It is also worth noting the "multicurrency" service, thanks to which you can make purchases with a card in any currency. Also, constant discounts and privileges from the Visa payment system will pleasantly delight each client.

Corn

Corn is a strikingly designed debit card that has caught the attention of millions of people. Who issues the card with an interesting name? If you look at the map itself, you can see 2 logos: Gold Crown and Master Card.

LLC RNKO is responsible for the issue and, accordingly, maintenance. The well-known salon of cellular communication "Euroset" is simply a partner and distributes cards.

Using the Kukuruz card you can:

• repay loans from different banks;
• pay fines;
• send money transfers;
• monitor the balance of the card in real time;
• purchase currency;
• set up and make auto payments.

To spend bonus points it is possible in the Euroset cellular salon or pay for part of the goods in partner stores.

Among the partners are the following large companies, how:

• Crossroads;
• Ozon.ru;
• L'Etoile;
• Kari;
• Ebay;
• Aliexpress;
• Nike and many others.

Messenger

Svyaznoy Bank offers its clients universal card with cashback service. Anyone who issues a card can receive a refund in the form of bonus points for each purchase. After receiving the card, the client is presented with 200 gift bonus points.

You can withdraw cashback by card in partner stores by barcode number. It should be borne in mind that 100 points = 1 ruble discount for a product or service.

The bank has more than 50 partners, including numerous clothing stores, grocery stores, accessories, cafes, pharmacies and mobile operators.

Raiffeisen Bank

A debit card from Raiffeisen Bank is a convenient payment tool, thanks to which you can earn additional discounts in more than 6,000 stores. The card allows you to receive cashback and participate in various promotions.

If you have decided to use the services of this bank, then pay special attention to the debit card "ALL AT ONCE". This is not only a card in a colorful design, but also a profitable product that will help you get good bonuses and additional profits. It is a pleasure to use the card of this bank.

There is also an undoubted advantage - the bank offers a card with a unique design. To obtain individual card, you need to upload a photo on the bank's website and wait for verification.

Summarizing

As you can see, in the financial services market a large number of cards, with an attractive refund service.

The map will come in handy:

• For outdoor enthusiasts... If you are actively traveling, then you should pay attention to the cards, which provide bonuses and discounts for buying tickets and paying for hotels.
• Shopping lovers... Fashionistas will appreciate the cards, which you can use to get discounts on the purchase of clothes and accessories.
• Housewife... And, of course, housewives who buy groceries in supermarkets every day will be happy with additional discounts and bonuses that can be easily obtained. Cashback in supermarkets for many cards reaches 5%.

Why do banks need them

All financial companies offer attractive cards for customers, which can be used to return funds. But why does the bank need it?

Actually credit institutions know how they can make a profit, it's not for nothing that every day they advertise their services and sometimes compulsively offer to issue a card with a cashback.

First of all, thanks to such a service, they can attract a client who will actively use the banking product and advise his family and friends.

Bank benefits:

1. Card usage fee... For any card, the financial company asks to pay for the annual service. In most cases, the fee depends on the type and status of the card and ranges from 300 to 3,500 rubles.
2. SMS notification service... To control their expenses and income, the client is connected to the SMS-informing service. The fee, of course, is minimal and sometimes does not exceed 50 rubles per month, but this is a fixed income that the bank will receive, regardless of whether you use the card or not. If you believe the famous proverb, then "the chicken pecks by the grain," then the bank collects the maximum income bit by bit.
3. Customers for other products... It is enough for a bank to attract a client with a free and profitable product in order to offer other services later. In most cases, citizens like to serve in one bank:

• pay utility bills;
• issue loans and credit cards;
• place funds on the deposit;
• v securities and investment projects.

For all the above operations, the bank will make a profit. Having presented a free product, he wins his client and has him for many years to come. Customers who like to pay with cards are “ Goldmine»For any bank.

Bank clients to receive maximum income they even go for tricks and act according to the following scheme. When they receive wages, they invest in advantageous card to pay for the item and receive the maximum return. Some clients issue several cards, since the return conditions for each card are individual.

It turns out that the more a financial company can attract customers thanks to the issuance of cards with a cashback service, the more profit it can get.

What to look for when choosing a card

Decided to issue a card, but do not know how to make the right choice? In fact, everything is very simple. The main thing is not to rush, make a comparison of the cards and deliberately choose the most attractive option for yourself.

When issuing a card, take into account:

1. Refund.

Almost all customers are attracted by tempting conditions, according to which the financial company promises to return funds for purchases made with the card.

Everything looks very tempting: you spend money, buy whatever you want with your card and get your money back. You might think - a fairy tale. And the conditions for clients are minimal. Capable citizens from the age of 18 can receive a card with a cashback.

Although the option is the same for everyone, not all credit institutions return real money to the account.

You can get to your account:

• bonuses;
• thanks;
• miles;
• points;
• other conventional units of the bank.

It turns out that before making a choice, you should carefully read the terms of the contract and find out what bonus you will receive and how you can use it in the future.

1. Cashback size.

In practice, financial companies lure a large percentage return. Only now you can not get it for all purchases. Maximum percentage the cashback service can be obtained only when shopping in partner stores. Average percentage The refund is 1-2% for any card operation.

Therefore, it is worth knowing in advance what real percentage you can get and choose a card on which the bank is guaranteed to provide a large percentage.

1. What can the accrued bonuses be exchanged for?

What can you spend the accumulated bonuses on? This is probably the most popular question that arises from cardholders. The answer depends on which card you have issued.

You can exchange bonuses:

• for a discount in a partner store;
• for real rubles at the rate of the bonus program and spend the funds in any store;
• for card services.

Of course, it is more pleasant to receive real funds back. Therefore, before issuing a card, you should pay special attention to the method of return.

1. Annual service fee.

Do not forget that you have to pay for the service of the card. Sometimes the fee reaches several thousand rubles. If you rarely use the card, 1-2 times a month, and buy goods only in supermarkets and shops, you should choose a card with a minimum fee.

Summing up, it can be noted that bank cards are a convenient and attractive product that will allow you not only to receive additional privileges, but also money.

You need to use the card correctly, then it will bring you additional profit and a lot of positive emotions. Which cashback card better - it's up to you!

Cards with interest on the balance are a kind of piggy banks that allow the holder to both spend and save funds. The most widely used products in Russia are payment Visa systems and MasterCard. Many banks offer customers to take advantage of favorable conditions "Plastic"... Which offers are the best - read the article.

Often a bank client has a choice: make a profitable deposit or receive it with interest on the balance. Both have their pros and cons.

The yield of the card from 0.01 to 0.05% is comparable to demand deposits. The percentage above this level is offered by banks wishing to receive as much money as possible from clients. Maximum bets on profitable debit cards do not exceed 11.5%.

The following cards with interest on the balance deserve the attention of customers:

• Maps with interest income from B&N Bank Visa and MasterCard standard, gold and platinum - 7% on the balance plus additional bonuses.
• Russian Mortgage Bank, accumulative card - up to 9.5% with a balance of 700 thousand rubles.
• Bank Opening, card "Game of Thrones". Basic rate - 4% on the balance plus 2% cash back. Optimal rate - up to 6% on the balance plus 3% cash back.
• Orient Express Bank. Card at 7% per annum on the balance with the amount of funds on the card less than 500 thousand rubles. and 2% - on the balance in the amount of 500 thousand rubles.
• Loco Bank. Gold cards at 9.5% per annum on the balance - when spending on purchases per month from 20 thousand rubles. and not reduced balance of 20 thousand rubles. Platinum cards with an income of up to 11.5% - with a monthly amount of purchases and a non-reducing balance of 40 thousand rubles.
• ICD. Classic, standard, gold, platinum cards at 7% on the balance.