How to open the world map

In Russia today there is a MIR bank card, which is an alternative to international counterparts in the form of Visa or Mastercard. The purpose of its introduction was the need to relink all payments to the population from the budget from Western systems to their Russian one. This allows you to reduce the risks of a possible shutdown of the functioning of international payment systems in the country.

Peculiarities

The MIR payment system has been operating for about 4 years. The main incentive for its creation was the introduction of Western sanctions and the shutdown of the Republic of Crimea, which prohibited the use of cards of international payment systems. Today, the MIR maps are:

• 145 banks that use these payment instruments;
• 100% support by Russian POS-terminals of the MIR system, which allows the use of plastic throughout the country.

How to issue

Due to the innovation for citizens of such a banking product, questions often arise regarding the design of the plastic itself. But here the procedure is standard and not much different from receiving cards of international payment systems. The procedure for issuing a plastic card is as follows:

1. First you need to come to any branch of Sberbank.
2. There you need to present your passport and fill out an application for plastic.
3. After that, within 1-2 weeks, you need to wait until a notification is received, where they will inform you about the readiness of the card.
4. Again, you need to visit the branch where the corresponding application was submitted in order to receive plastic.

According to the order of the President, obtaining a MIR card is considered mandatory for all state employees, as well as pensioners.

In addition, there are other features and innovations introduced into financial activities. All in all, this decree provides:

1. Transfer of state employees to receive salaries from the summer of 2017 exclusively through the MIR system.
2. Re-issuance of pension cards until the summer of 2020 to the Russian payment system.
3. Transfer of all payments, as well as salaries of military personnel and scholarships to students until mid-summer 2018.
4. The introduction of an obligation for stores, as well as supermarkets that have a revenue of more than 40 million per year, from the summer of 2017 to connect the ability to accept MIR cards for payment.
5. The requirement for banks to prepare by the summer of 2017 the technical feasibility of servicing the national payment system.

The meaning of this law is to minimize the loss from the possible tightening of sanctions by Western countries against the country's finances. Therefore, the Russian payment card MIR is a necessary protective measure.

Client Requirements

To be eligible for this card, the applicant must meet the following criteria:

• be a citizen of Russia (receipt of plastic by foreigners is at the discretion of banks);
• age over 14, with the exception of a pension card, which can only be issued from 18;
• temporary or permanent registration;
• to obtain a social card, it is required to submit documents confirming the right to receive the relevant payments.

Card features

Types and conditions

Today, banks issuing MIR cards offer their customers to issue one of the existing varieties of this payment instrument. It is worth considering each of them.

classical

Such debit plastic refers to the "Basic" tariff. It is designed for those individuals who do not need to use any benefits, so they themselves decided to acquire such an account. It is possible to design a personalized card, with the appropriate engraving on plastic or non-personalized. After submitting the application, the first type is prepared for about 2 weeks, and the second within 20-30 minutes.

pension

This type of tariff was introduced specifically for citizens receiving a pension or other payments from the state of a social nature. It became most relevant after the publication of Federal Law No. 88, which indicated the need to transfer all social payments only through the national payment system from 2020. In order to issue a card, you need to visit a bank branch or order it via the Internet using the official website of the Mir card or the bank. However, to receive the plastic itself and sign the contract, you still need to contact the department.

Salary

The MIR bank card in the “Salary” tariff is primarily aimed at public sector employees, as well as organizations that have concluded agreements for cash management services. Such a system is convenient for ordinary citizens. You can issue such plastic for yourself by contacting a branch or through the bank's website.

Where to get, as well as in the future to use this payment instrument depends on the preferences of the citizen himself. Today, most of the country's financial institutions work with the MIR system.

Deposit and withdrawal

First of all, you can remove the presence from plastic using ATMs of any bank operating the MIR system. It is recommended to do this at the terminals of those financial institutions where the card was issued. This will allow you to receive funds without paying a commission. However, there are certain restrictions on cashing out money, which amount to no more than 150 thousand rubles per day. To receive funds from plastic, you need:

• insert a card into an ATM;
• enter the PIN code set when the card was issued;
• go to the "Withdraw Funds" section, where you specify the required amount and click continue;
• pick up funds, card and check.

If you use ATMs of other banks to withdraw money, a fee of 1.5% of the amount will be charged.

Cash withdrawal is possible at any ATM

To replenish your plastic account, you can use one of the following methods:

• transfer from another bank;
• depositing funds through an ATM or payment terminal;
• through the cash desk of a bank branch;
• making a transfer between your accounts using online banking.

Where can I pay

Even considering the dampness of such a banking product, it is possible to use the MIR card to pay for purchases or services in those establishments that are equipped with modern POS-terminals. Such outlets include various restaurants, cinemas, supermarkets and other organizations located in Russia. In addition, the connection of the Chinese online trading platform "Aliexpress" is being prepared.

It is impossible to use the Mir payment system abroad. To do this, you need to get co-badged plastic (in other words, a combined card). A popular option is "Mir-Maestro". This will allow you to use the payment instrument, even while abroad.

Advantages and disadvantages

The positive aspects of the national payment system include:

1. Having constant access to funds.
2. Qualitative methods of chip protection.
3. The ability to withdraw cash from an ATM up to 250 thousand rubles per month without paying a commission.

The disadvantages of the Mir system is the lack of cash back. But since the beginning of 2017, four major banks have announced the launch of a loyalty program that will allow you to return up to 15% of the purchase price.

The launch of a national payment system is a necessary tool for the state to stabilize the economic situation in the country. In their appearance in the photo, the MIR maps differ from their international counterparts, except perhaps with the corresponding inscription. The main feature is the stability of work and the functionality of such plastic.