Premium visa signature card from SKB Bank. Premium card

What is a credit card and how is it different from a debit card?

A credit card is a card for making purchases on credit. Unlike a debit card, which holds your own money, a credit card holds the bank's money. You can use this money to buy goods in stores and online. You can even transfer money to friends or family or withdraw cash from an ATM, but keep in mind that the bank will charge a fee for these transactions.

How to choose a credit card?

When choosing, pay first of all to the size of bonuses for purchases, the cost of service, the amount credit limit and privileges from the payment system.

At what age can you get a Sberbank credit card?

Any Russian citizen aged 21 to 65 years inclusive with permanent or temporary registration in any locality of the country can apply for a credit card. The bank makes a decision on issuing a card and the size of the credit limit individually.

What is a pre-approved card offer and how do I know if there is one for me?

A pre-approved offer is an offer from a bank to issue a credit card with a pre-approved credit limit. If you receive such an offer, this means that the bank is highly likely to approve issuing you a card.

To find out if there is a pre-approved offer for you, . If there is an offer, you will immediately see the approved credit limit and preferential conditions. The card will be delivered to the branch of your choice.

How to start using credit card Sberbank?

After receiving the card, first of all, make sure that your first and last name in Latin transcription is correctly indicated on its front side. Then sign your name on the reverse side in the signature line.

How to pay by card in stores and online?

In the shop. Tell the cashier you are going to pay by card. Insert the card into payment terminal and enter your PIN. If you have a card with contactless payment, simply present it to the payment terminal. Purchases over 1,000 rubles require entering a PIN code. The cashier may also ask you to sign a check.

In the Internet. On the payment page in the online store, enter your card details. To confirm payment, an SMS with a code will be sent to your phone. Be careful: you do not need to enter a PIN code when paying online - it is dangerous.

How to pay interest on a Sberbank credit card?

Percentage per use credit funds are debited from the card automatically, so you don’t need to do anything special for this. But if you manage to return the money during the grace period, which lasts from 20 to 50 days, you will not have to pay interest.

How to avoid credit card interest?

To avoid paying interest, try to repay the purchase balance within the interest-free period.

For example, the report date for your card is October 1, which means the grace period begins on October 2. If you made a purchase on October 2, you have 50 days to repay the loan without interest, that is, until November 21. If you make a purchase on October 20, then there are 32 days left until November 21 to repay the full amount of the debt without interest.

What transactions are not covered by the grace period?

The grace period does not apply to the amounts of cash withdrawal transactions, transactions in casinos and sweepstakes, payments for online games, purchases of foreign or cryptocurrency, traveler's checks, lottery tickets, non-cash transfers, including transfers to electronic wallets, as well as the amount of exceeding the credit limit.

Where can I find out the date of my credit card statement?

There are three ways to find the credit card statement date:

On your credit card report. The card report arrives monthly at email the day after the report date.

IN personal account Sberbank Online. In the Cards section, select your credit card, and then click the Card Information tab.

Call the 24-hour contact center at any of the numbers: 900- for subscribers of MTS, Beeline, Megafon and Tele2 in Russia. Free when in your home region and in intranet roaming.

8 800 555-55-50 (free in Russia)

+7 495 500-55-50 (for calls from anywhere in the world)

How to top up a credit card?

You can top up your credit card in several ways:
1. Translate from salary card to Sberbank Online or through an ATM.
2. Top up the card with cash through an ATM or with the help of an employee at the Sberbank office.
3. Transfer from a card of another bank to, as well as in the Sberbank Online mobile application.
4. You can top up a blocked credit card to or arrange a transfer from a third-party bank account.

Crediting the transferred amount to a credit card in the Bank's internal network - from 15 minutes, but no later than the next business day.
Replenishment from cards/accounts of third-party banks - no later than the business day following the day the funds are received by the bank.

Is it possible to transfer money from a Sberbank credit card?

Yes, you can transfer money from a credit card to Sberbank Online. Funds can be transferred to a debit card in Sberbank - yours or any other client.

Please note that for transfers from a credit card a commission is charged in accordance with the Bank's tariffs, including when transferring your own funds. .

How to increase the credit limit on a card?

The decision to increase the credit limit is made by the bank. If you actively use the card, the bank may decide to increase the credit limit amount. If you have not used a credit card for a long time or have not used it actively, the bank may offer the client to reduce the limit on the credit card. Such offers usually come via SMS.

Cash transactions are becoming a thing of the past, giving way to non-cash payments. For financial transactions, customers are increasingly wondering which debit card to choose. We have collected, in our opinion, the TOP ten offers from Russian banks.

Visa Premier from Sberbank

Visa Premier is the best debit card from Sberbank. It allows its holder to save significantly. Discounts until 3% clients receive goods and services that the bank has determined. On other purchases - 1% .

Existing customers can apply for a debit option banking institution. Features of using the card:

• validity - 3 years;
• daily cash withdrawal limit – half a million;
• monthly withdrawal limit – 5 million;
• maintenance cost - basic 4900 rubles annually, and additionally 2500 rubles;
• card reissue – 0 rubles;
• can be linked to electronic wallets;
• SMS notification;
• access to the Sberbank Online program;
• access to the Mobile Bank functionality;
• the issue of overdraft is resolved individually;
• participation in the best Sberbank loyalty program “Thank you”;
• payment with “Thank You” bonuses for air tickets, hotels, if they are booked through the “Thank You” website.

If the monthly balance does not exceed 2.5 million, then no service fee will be charged.

Otkritie Bank and its Smart Card

When analyzing information about which bank’s debit card is better, you cannot ignore the options offered by Otkritie Bank. This is his best cashback card. The size of the latter directly depends on the amount of expenses. The higher it is, the higher the percentage:

• 1% money spent is returned if the client spent it in a month up to 30 thousand;
• 1,5% - with monthly expenses in the amount more than 30 thousand.

Bankers established following conditions using a debit instance:

• four-year validity period;
• self-installation of TeleCode;
• accrual of interest on residual funds – 7,5% ;
• SMS notification – 59 rubles monthly;
• service - 299 rubles monthly, with expenses more than 30 thousand- for free.

Premium Visa Signature card from SKB Bank

SKB Bank attracts premium clients debit card Visa Signature. This banking product is designed for job seekers who make purchases and pay for services not only in the Russian Federation, but also abroad.

Accrual on balance 7,9% per annum, which is much more than the interest on deposit offers of some banks, attracts customers. Cardholders also have the opportunity to return 1% amount spent on purchases. Owners receive cashback monthly.

The citizen is provided with:

• maximum monthly cashback – 50 thousand;
• free SMS information;
• account statements – 0 rubles;
• free card issue/replenishment;
• free insurance for the card holder during trips abroad;
• release of copies from individual design – 0 rubles;
• SMS notification.

If the cardholder returns the purchase to the seller, then this amount is deducted when determining the cashback amount.

MasterCard Black Edition of Moscow Industrial Bank

When thinking about which bank is better to apply for a profitable debit card, pay attention to the Moscow Industrial Bank and its best multi-currency option, MasterCard Black Edition. Customers who pay bills with this card receive cashback:

• 10% from money spent at gas stations;
• 5% from the amount spent in bars, duty free stores, restaurants;
• 1% from expenses in trade and service enterprises.

When using the card, citizens must take into account the following conditions:

• accrual of annual interest on the balance – 8% , if on account more than 300 thousand rubles;
• validity - 2 years;
• issue of additional cards – up to 5 copies;
• access to bank functionality;
• Access to increased credit – half a million;
• 5 free withdrawals per year from any ATM in the world;
• automatic participation in discount programs initiated by bankers.

The client does not pay for service if his monthly turnover exceeds 100 000 or minimum balance more than 800 thousand. If they do not fulfill any condition, the bank charges a fee - 3.5 thousand.

Platinum “VTB24 Impression Card” from VTB24 Bank

VTB24 Bank its best platinum version “VTB24 Impression Card”. Entertainment lovers can return up to 5% when paying bills in bars, restaurants, cafes, purchasing tickets to a cinema, theater.

Holders of a platinum copy of the “VTB24 Impression Card” use it under the following conditions:

• cost of issue - 500 rubles;
• return 1% cost when purchasing goods in stores, on online resources;
• service - 0 rubles;
• additional cards – 2 copies;
• free account statements;
• table reservation services.

Through VTB24 ATMs, cardholders withdraw money for free; at ATMs of other banks, the first 2 withdrawals per quarter are free, the rest - 1% from the amount withdrawn, but not less than 300 rubles.

Debit Tinkoff Black from Tinkoff Bank

The Tinkoff Black option is multi-currency. Let's consider the “ruble” version. Owners of such a card not only return funds for purchases, but the bank also charges interest on the balance monthly:

• 7% - if the client made at least one purchase worth more than 3 thousand and there is less than 300 thousand in the account;
• 3% - if the account has more than 300 thousand or there was no purchase worth more than 3 thousand.

Other terms of use for Tinkoff Black:

• 5% - when paying for purchases of selected categories, their owner determines them using the “Mobile Bank”;
• 1% - accrued for other purchases.
• service - 99 rubles monthly;
• SMS notification is provided free of charge;
• free replenishment.

Tinkoff Black holder participates in promotions Tinkoff Bank, its partners, which allows you to return to the account from 3% to 30% the amount of purchases made.

The best debit offer of Rosselkhozbank VISA Platinum “Capital”

Rosselkhozbank offers its clients a VISA Platinum “Capital” card. Its owners can increase their money. TO VISA Platinum You can connect both additional cards and virtual ones.

Key points using VISA Platinum "Capital":

• validity - 3 years;
• cost of servicing the main/additional option – 4.5 thousand;
• initial replenishment – 34.5 thousand;
• accrual of interest on the balance – from 1% to 5%;
• participation in the Harvest loyalty program;
• daily limit on ATM withdrawals - half a million.
• daily withdrawal limit at bank branches - 1 million;
• monthly limit on bank withdrawals – 5 million.

PSB Planet Premium debit card from Promsvyazbank

Promsvyazbank issues a debit version of PSB Premium to adults. The first year the card is serviced free of charge, then 599 rubles is written off every month. Annual fee for each additional copy – 2 thousand.

Key points when using:

• Free insurance for clients when traveling abroad;
• SMS notification;
• overdraft limit up to 600 thousand with grace period 55 days;
• per annum on overdraft - 29,5% ;
• possibility of blocking;
• cash withdrawal fees – 0% at Promsvyazbank, 4,9% in other banking structures;
• use of PSB-Retail functionality.

Alfa-Bank MasterCard Platinum offer

This the best option for those who often travel abroad often. Alfa-Bank provides cardholders with services for booking air tickets, insurance, transfers to airports and railway stations. Such clients are served by a personal manager.

Features of MasterCard Platinum:

• free cash withdrawals from ATMs abroad;
• replenishment - in any way;
• controlled by the Alfa-Click functionality;
• preferential currency conversion;
• SMS notification;
• accrual 8% per annum on the balance;
• participation in promotions and loyalty programs conducted by Alfa-Bank and its partners;
• fast processing;
• free shipping new card by courier.

To make free online purchases, Alfa-Bank has implemented 3D Secure technology.

Offer from Rosgosstrakh Bank – Client Card

This is the best debit card for instant issuance of Rosgosstrakh Bank, which is issued/reissued free of charge for 10-15 minutes in any bank branch. In case of early renewal, the client pays 300 rubles.

The Customer Card holder receives:

• return 3% - when using the card in transactions at retail outlets, which are determined by the bank;
• cashback 1% - when paying for other goods.
• free service;
• Access to software"Mobile Bank";
• automatic participation in loyalty programs;
• free account replenishment;
• free monthly account statements

Cashback users of the debit option receive until the 15th the month following the month in which the expenses occurred. Bankers only take into account transactions that exceed 100 rubles.

Useful articles on the topic of debit cards

Good advice

How to transfer money from card to card?

Sometimes a simple transfer operation Money from one card to another may be complicated by the conditions of banks. How to transfer money without problems? What to do if there are restrictions and delays in translation?

• What is a debit card?

  A debit card is a tool designed to carry out various financial transactions. Its main function is to replace paper money. The owner of the debit card is the bank, and the client is its holder. There are debit cards that can only be used to spend own funds, and cards with the ability to use borrowed money(with overdraft allowed).

Good advice

I lost my card - how to restore it?

A debit card is a modern and convenient means for carrying out a variety of financial transactions. However, its use is associated with certain risks. One of them is the possibility of loss.

• Where can I use my debit card?

  Debit cards today it is not only a way to get away from “paper” money, but also a convenient payment tool. IN modern world there are more and more possibilities for use plastic cards.

Topical

Stealing money from a card. If you have a bank card, you should know this

Fraudsters are inventing new ways to steal money from bank cards. Which ones are common today?

• Hilarious cases from bank employees. It's only funny in real life

  Banking is serious, but not always. Sometimes clients become the main characters in funny stories and incidents that can amuse and make you laugh.

Topical

Banks will store not only your money, but also your vote

• Good advice

  Payment order - what is it?

  Funds transfers are carried out in different forms: letters of credit, collection orders, checks. And the first place in the volume of documents on the basis of which these operations are carried out is occupied by money orders(payments).

  Good advice

  Sberbank social card for pensioners

  The Sberbank MIR social card is intended for recipients of pensions and other social benefits. It replaced a similar card product Maestro " Active age" This replacement was carried out in order to implement the requirements federal law dated 05/01/2017 No. 88-FZ.

• Gold card

  Plastic cards have firmly entered our lives and continue to continuously expand the scope of their application. Tens of millions of people in Russia use them in everyday life: they pay for goods and services at retail and service points, carry out Money transfers, withdraw cash. On the market banking services Thousands of card products with a variety of features are offered. However, with such a wealth of choice, plastic cards are clearly divided according to belonging to one class or another.

Topical

Dispelling myths about contactless payment cards

By cards contactless payment It is necessary to observe all the same safety measures as for the others. But don’t forget to “filter” “adult horror stories” and draw your own conclusions, weighing the incoming information.

Good advice

Will the bank pay for everything? What to do if money is stolen from your card

Unfortunately, theft of money from bank cards is not uncommon today. However, in certain situations, the written-off amount can be returned.

• What are salary cards?

  Salary cards are widespread today. Most often, they are formalized as part of the employer’s cooperation with one or another bank. What does participation in such a project give the holder?

• Debit cards with interest on balance

  Possibility of obtaining additional income gives interest-bearing debit cards a significant advantage over products without the option.

• How to block a debit card?

  Possible various situations, in which there will be a need to block the debit card. Therefore, it is useful to have an idea of ​​​​the options for performing this operation.

Good advice

Tired of faceless plastic and monotonous programs for accruing air miles or cashback? Then this selection is for you. Here are 6 proposals from Russian banks, which certainly cannot be called trivial. Choose according to your taste.

• Golden children: how to choose a bank card for a child

  According to statistics National Agency Financial Research, in Russia already a quarter of children receive pocket money on a bank card. We’ll figure out how to design such plastic and not get confused in the numerous offers, as well as what difficulties and nuances await young users.

Good advice

The bank protects the safe: how to insure a debit card

More than 1 billion rubles. per year - according to the Central Bank, this amount has been stolen from the bank cards of Russians for several years. To avoid being included in disappointing statistics, you should take care of plastic insurance. We tell you what offers banks have.

• Miru – “Mir”: pros and cons of the national payment system

  Today, 35 million people use Mir cards, most of whom are state employees. For people who don't work in government organizations, such plastic is still unpopular: there are less than 4 million such holders. Indeed, “Mir” still has shortcomings. But there still seem to be more advantages.

• Investment life insurance: benefits and risks

  Investment life insurance is becoming increasingly popular in the insurance market. People are attracted by the opportunity to make money on investments and at the same time secure the future of their loved ones. But this tool has both pros and cons. Let's see for whom ILI is suitable.

Good advice

Bank in your pocket. Advanced gadgets for banking clients

The digital revolution has not bypassed the banking sector: today we can top up our accounts or make contactless payments using small but functional devices. We talk about the most useful of them and how the process of introducing such innovations is going in Russia.

Good advice

Bought on AliExpress - get your money back

AliExpress sells everything from smartphones to duck-beak dog muzzles. Popularity trading platform gave banks the idea of ​​​​creating special cards. With them you can not only conveniently pay for purchases, but also get back part of the money spent. Which plastic can you buy over and over again? We understand the conditions and choose.

• In the name of good: how charity bank cards work

  In the USA, charity cards have been issued since the 80s. In Russia, they are not yet so popular, but they definitely have potential: according to statistics, every second resident of the country spends up to 3 thousand rubles on charity. in year. Banks offer cards that will help save rare animals, give children a home, or support lonely old people.

• Gift horse: pros and cons of gift bank cards

  According to statistics for 2017, 80% of Russians use plastic. This means that the best and most practical gift today is not money, but money on a bank card. Which gift cards there are, on what principle they work and what can go wrong - we tell you.

• Plastic in addition: why do we need additional bank cards?

  Three-quarters of Russians use bank cards, but not every plastic card owner has their own separate bank account. What are additional cards, how, why and under what conditions to issue them - about everything in order.

Topical

My bank is being sanitized. What does this mean and what to do

Experts from the DIA say that the situation with bank rehabilitation in Russia is improving: today there are only 5 projects launched (for comparison, in 2015 there were 18). But after last year’s high-profile stories with Binbank and Otkrytie Bank, clients are concerned. We tell you why reorganization is not so scary for depositors and what to do if the bank is “recovered.”

Topical

I'm a freelancer. Can my card be blocked?

IN Lately People often talk about blocking bank cards. This issue is especially relevant for freelancers, monetary transactions who often look “suspicious”. Let's figure out what can lead to a card being blocked and what to do if it does happen.

Topical

My bank's license was revoked. What to do?

"Cleaning" banking sector has subsided, but, as experience shows, the revocation of a license can affect any bank. For clients, this news is unpleasant and unexpected. Questions immediately arise: do I need to repay the loan, will the money be lost, and where should I go? We answer FAQ that bank clients face in such a situation.

Good advice

Every gamer has a bank: how to save on games using bank cards

A new game for PS4 costs 4,000 rubles. It hurts, but I don’t want to miss the expected release. Realizing that gamers regularly spend a lot of money, banks began issuing cashback cards for purchases on Steam, PlayStation Store and electronics stores. We have selected bank cards For different types gamers - from noobs to hardcore. Choose.

• Overdraft on a card: how to use it wisely and not become a debtor

  In 2008, Nikolay opened a debit card at Sberbank. I connected SMS alerts and online banking, tracked my balance and expenses. Three years later I moved to another city and forgot about the card. In 2018, I received an SMS with information about the debt to the bank. The overdraft is to blame. Let's figure out why an overdraft is useful and when it is better to issue a card without this service.

• ISIC cards: privileges and discounts around the world

  If you are a student, love to travel and explore the world, and also save money, then an ISIC card would be an excellent solution. Holders of these cards are provided a large number of discounts and privileges around the world.

Good advice

WORLD cashback: which bank to choose to get the most out of your card

Cashback is a long-standing and effectively working “bait” with which payment systems and issuing banks attract customers. MIR cards, which are issued by Russian banks, are no exception. Moreover, for some “WORLD” products you can get a double bonus – from the bank and from the payment system.

Underwater rocks

Which bank to choose - public or private

You have some extra money that makes sense to put into a deposit. Or vice versa, there was a desire to buy something on credit. Then you will probably have to think about which bank to contact - public or private. In this article we will tell you what the difference is between them and what to consider when choosing.

Good advice

Unallocated metal accounts: how easy it is to invest in precious metals

On the background economic instability gold and other precious metals seem to be a safe haven. But storing gold bars at home is not very safe. For such cases, banks offer impersonal metal accounts. We tell you how to become an investor in precious metals without even touching them.

• Union Pay cards: Yuan in your pocket

  For most Russians, a bank card is Visa, MasterCard or Mir. If anyone has heard about Union Pay cards, it is most likely out of the blue. In this article we will talk about the Union Pay payment system and its cards, whether they are worth purchasing and where it can be done.

Good advice

How to save on online purchases: cashback cards and online services

Buying online is convenient and fast. Money in virtual stores is spent more unnoticed than in regular ones. Thanks to special offers banks and Internet services, online shopping can be profitable. We tell you how to buy equipment, clothes, airline tickets, and anything else you want, and get paid for it.

Good advice

Is it possible to make money on a savings account?

Imagine that you have 30 thousand rubles available, set aside for vacation. The trip is scheduled in 2 months and the idea arises to “find” your money. The first thought is a deposit, but you will have to say goodbye to your savings for at least a quarter. A savings account will help you make your money work without restrictions on its use.

• IYTC Cards: Empowering Young Travelers

  Youth is the best time in life, full of hopes and desires. If love, then forever, if travel, then to the ends of the world! Discovering the beauty of the world is especially pleasant if you manage to save on purchases. IYTC cards provide this opportunity to young travelers.

• ITIC cards for teachers: an opportunity to save money while traveling

  Teachers and educators are representatives of one of the most respected and noble professions. These are people with a broad outlook, opening the world to their wards - pupils and students. We're talking about the ITIC card, which helps you save on travel and provides access to additional features in the educational field.

Good advice

How to increase your salary using an individual salary project

Slavery in Russia was abolished in 1861, and “wage slavery” in 2015. What has changed since then and how banks attract salary clients who went on a free voyage? We'll tell you about the most interesting offers: interest on the balance, cashback, preferential loans and VIP privileges.

Topical

Mobile banking versus online banking: which is safer?

Digitalization banking sector is in full swing: more and more people are mastering mobile and Internet banking. We find out which of these services is more reliable, and tell you how to secure your data.

• “Dear you are our person,” or what is Private Banking

  Just a few years ago Russian market financial VIP services were a pale imitation of the European ones. But now our banks have moved from simple service to separate room from expensive furniture to really interesting offers. First of all, this is a guarantee of anonymity, asset protection and personal conditions for the client.

Underwater rocks

Foreign bank account. What kind of reporting to submit?

More and more Russians are opening accounts abroad. This is convenient for those who live abroad permanently or for a long time, and for those who travel frequently. But the score is foreign bank– these are not only new opportunities, but also new responsibilities. Let's talk about them.

Underwater rocks

Marketing tricks of bankers

If you are going to place your free money in a deposit or take out a mortgage, then first of all you are looking for the most profitable programs. Financial institutions, of course, respond to these signals and throw tempting offers onto the market. In this article we will talk about what tricks banks resort to to retain and expand their circle of clients.

Good advice

From point A to point B: how to transfer money within the Russian Federation

Probably every person at least once faced the need to send money to another city. Previously, to do this you had to go to a post office or bank and wait in line. Now there are many more ways available: through terminals, ATMs or mobile phone. We talk about all the options in terms of benefits and speed.

• Far Eastern hectare: develop and build

  More than 100 thousand people applied for “ Far Eastern hectare", and 40 thousand plots have already been provided in free use. Their owners plan to build houses, conduct agricultural and other activities. We will tell you in this article what kind of support they can count on.

Good advice

Save and increase: where to invest dollars

For those who have accumulated a stock of US dollars, the question is whether it is possible to “place” them in our country and make money on it. Let's talk about several investment methods American currency that can generate income.

• What is SMS credit

  Today, to apply for a loan, process it and receive money, you do not need to visit a bank branch or microfinance organization. This can be done remotely – by phone, through an online form on the financial institution’s website, in your personal account, and even via SMS. In this article we will talk about how and where you can get an SMS loan and what its advantages and disadvantages are.

Topical

Features of national crowdfunding or how to chip in correctly for a startup

If you had bought $1 worth of Apple shares twenty years ago, you would have earned approximately $22,300 today. Read about whether there is a chance to invest your hard-earned money just as successfully in 2020 in this article.

• Golden offers for the golden age. The best cards for pensioners

  Before retiring, a person should decide how he would like to receive his pension: through Russian Post or in a bank. About which of the Russian financial institutions is better for older people and where to open an account, read this article.

Topical

Plastic for superheroes. What cards would comic book characters use in Russia?

Heroes and villains of the DC and Marvel universes often behave like ordinary people: go shopping, eat in restaurants, travel. We decided to get creative and choose profitable bank cards for popular comic book characters. Will they be able to Russian banks to satisfy superhero needs, read our article.

• Multicurrency card: why you need it and where to apply for it

  A multi-currency card will help you free up space from excess plastic in your wallet, save money on purchases abroad and exchange currency in a couple of clicks on your smartphone. We'll tell you where to order and how much you'll have to pay for convenience.

Topical

5 ways to overcome the financial crisis

I'd like to think that financial crisis- what happens to others. In reality, anyone can find themselves in a debt trap due to difficult life circumstances or a simple inability to use credit products. We have collected 5 practical ways to help you get out of a financial crisis.

Good advice

Tickets to summer: travel cards

• Priority Pass or how to feel like a VIP

  Airport VIP lounges are designed for travelers who prefer comfort while waiting for a flight. There are several ways to get into this zone, which is inaccessible to most passengers: buy a business class ticket, pay money for entry, or participate in the airline’s loyalty program. But the most universal - Priority card Pass.

Underwater rocks

What to choose – Priority Pass or Lounge Key

For those who fly frequently and prefer to travel in comfort, spending many hours in noisy and crowded airport terminals is real torture. Participation in one of the international programs for access to airport lounge areas can be a salvation. In this article we will talk about two of them - Priority Pass and Lounge Key.

Topical

Chargeback: how to return money to your card and not get into trouble

Paying for goods or services with a bank card is modern, fast and convenient. True, sometimes misunderstandings arise during such operations. But even if the item paid for by card is not received, the problem can be resolved without going to court - with the help of a chargeback.

• What's in my name: a list of bank names

  According to the Central Bank of the Russian Federation, as of June 26, 2018, there are 898 credit institutions. Of these, 62 are non-banking. Not every one of the remaining 836 banks was imaginative when choosing a name. With which banks everything is clear from the first word, and which names make you think – we’ll tell you in the article.

Good advice

What to do if you were deceived when buying online

The average bill of a person deceived while shopping on the Internet is 15 thousand. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents because they believe that it is impossible to return the money. This is wrong. We tell you where to look for justice and how to protect yourself from scammers.

Good advice

How to lend money correctly

Situations when someone asks to borrow money are not uncommon. If there is an opportunity to help, people help. But when it comes to a large sum, it is worth borrowing wisely, without neglecting the rules of the law. This approach will help guarantee a return.

• Numismatics: how to make money on coins

  Numismatics is an interesting hobby and a way to earn money. If you have a ten-ruble note lying around “Chechen Republic” from the series “ Russian Federation", consider that the budget has been replenished by 10 thousand rubles. Of course, about 95% of coins are already concentrated among enterprising collectors, but there is a chance that your profit is hidden among the remaining 5%.

Good advice

Cards with free insurance policy

Many people know that banks offer cards with bonuses for travelers. But not everyone knows about additional service– free insurance for those traveling abroad. Next, we will tell you why you need a temporary insurance policy abroad, what it protects against, and what bank offers you should pay attention to.

Good advice

Cards to save on taxis

Bank card holders can save on taxis in several ways: receive cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic. Let's talk about the banks' offers in more detail.

Underwater rocks

Currency transfers abroad

When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international systems fast transfers. Next, we'll talk about the pros and cons of these options.

• Not like everyone else: bank cards with creative designs

  The desire to stand out, to have something non-standard is typical for many people. Bank cards are no exception. Financial institutions, catching the needs of clients, produce plastic with an exotic design. We will talk about such cards in this article.

• Concierge service: as a personal assistant

  Life is business and simple active people filled with interesting and important events. And sometimes they have neither the desire nor the ability to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge services come to the rescue. We'll talk about it in this article.

• How to pay for a purchase in a store without money or a card

  Apple, Google and Samsung Pay are no longer perceived as dirty words. Most people with a smartphone and a superficial understanding of banking products have heard about these contactless payment systems for purchases. We will tell you how to gain access to technologies in this article.

Good advice

Aeroflot Bonus: savings and comfort

“Fly with Aeroflot planes!” - an advertisement from the times of the USSR called for it, as if people had a choice. Nowadays there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to maintain and expand their customer audience. One of them is Aeroflot Bonus, which we will talk about in this article.

• Russian Railways Bonus: traveling with benefits for your wallet

  The railway, despite growing competition from road and air carriers, is used by many. But not everyone knows that traveling by train can be made not only enjoyable, but also profitable. Russian railways(Russian Railways) encourage passengers, and we will tell you how to take advantage of this in the article.

• What is an individual pension plan

  Average insurance pension for a non-working pensioner as of January 1, 2020 is 16,500 rubles. Agree - the money is more than modest. One of the ways to increase the level of income for a future retiree is to apply for an individual pension plan(IPP).

• Free pies with delicious filling: debit cards without service fees

  Debit card holders often have to pay a service fee. To offset these costs, many are looking for plastic with bonus programs, cashback and interest on the balance. However, there are also cards for which the service is free. We'll talk about them in this article.

• MCC: “kitchen” of rewards for plastic cards

  Banks include cashback and participation in discount (bonus) programs in the terms and conditions of many plastic cards. Holders receive rewards for certain transactions, usually for paying for purchases. You can find out which trade and service enterprises (TSEs) participate in programs and promotions using MCC, which we will discuss in this article.

• 5 ways to transfer money without commission

  Money transfers are one of the most popular financial services. There is a fee for such transactions. However this is not general rule. There are several ways to transfer money without commission, and we will talk about them in this article.

Underwater rocks

7 mistakes that bank card owners make again and again

Tens of millions of people use plastic cards in Russia, and at first glance, this does not require special talent and is accessible to anyone. But the holders with enviable regularity step on the same rake, for which they pay out of their own pockets. We talk about these mistakes and how to avoid them in this article.

Good advice

10 life hacks for Alfa-Bank clients

When applying for a deposit, card or loan, many Alfa-Bank clients do not have a complete understanding of the capabilities and limitations of a particular product. In this article we will talk about how to get the most out of what the bank offers, avoiding pitfalls.

Topical

Where, besides insurance companies, can they impose insurance on you?

Insurance companies are in a fierce battle for customers, using a variety of marketing techniques. One of them is the promotion of insurance products through partners. You can take out a policy without even knowing it. We found 5 insurance traps that everyone risks falling into.

• SMS notification: peace of mind for free and for money

  When choosing a banking product, SMS service, as a rule, is not one of the priority factors influencing the decision. However, in-depth knowledge about this service will be useful. In this article we present the results of a study of the cost and functionality of SMS information offered by Russian banks.

• I received money by mistake. What to do?

  Money comes to us in different ways, and, as a rule, people have no questions about where it comes from and why. A salary, a lottery win, or an inheritance are all expected, or at least understandable, receipts. But sometimes money falls out of the blue - it is unknown from whom or in a larger amount than expected. What to do in this case?

• How to take money on a trip

  In a neighboring city or at the mouth of the Amazon, losing a bank card can significantly ruin your vacation. Instead of photographing caimans and walking through unfamiliar forests, you will have to deal with an empty wallet. It's easy to avoid this if you prepare and store your money correctly.

Good advice

How to save on conversion and exchange rates abroad

In the 90s, grandmothers sewed banknotes into the secret pockets of their suitcases and thus protected the money from theft. Nowadays, before going on vacation, we have to take into account exchange rates and payment system bank card. We tell you how not to lose a lot of money when paying for purchases and withdrawing cash abroad.

Good advice

How to check the authenticity of new 200 and 2000 rubles

In 2017, Russians voted to feature Crimea and Vladivostok on new 200 and 2,000 ruble banknotes. The banknotes are already in circulation and are noticeably different in design from conventional money. Cash supplied special features authenticities that are verified through mobile app"Banknotes 2017".

Topical

Creative commercials for banks: hype, banter and 18+

Are you tired of reading yet? Take a break and enjoy a selection of funny and creative videos from Russian banks. You definitely won't want to miss this ad.

Good advice

11 Tinkoff hacks for users of the largest online bank

Good advice

Eat, drink, get cashback. Top cards with bonuses in restaurants

“Tell me what you eat and I will tell you who you are,” goes a popular catchphrase. Our editors agree with this one hundred percent. We'll even go further. Tell us what you pay at restaurants and we'll tell you how much you save. We present a rating of bank cards for profitable purchases in cafes and restaurants.

Good advice

The one and only: personalized card

Every person is unique. The desire to stand out from the crowd is manifested not only in clothes and tastes, but also in the design of bank plastic. Let’s find out how much individuality costs and how to get yourself such “amenity”.

Topical

Biometrics to the masses: how banks will identify your identity

The Unified System of Biometric Identification and Authentication (USIA) of clients has been operating in Russia since July 1. According to representatives of the Bank of Russia, by the end of 2018, 20% of bank branches will be connected to it, and the process will be completed next year. We tell you what this means for clients.

Good advice

How to return an erroneous payment

It’s hard to say how much money Russians regularly transfer to other people’s accounts by mistake. But this situation is familiar to everyone: make a mistake with one number in the details or write the wrong letter in the name of the organization, and the money will go “nowhere”. But it is possible to return lost funds. And it is necessary.

• Discounts, bonuses and quests: loyalty program for Troika owners

  Almost 90% of Moscow public transport passengers have Troika. At the beginning of 2018, information appeared that the bonus program for card holders. The project went live in June. We found out what bonuses and discounts Troika owners now have and what people think about the program.

• Financial literacy is the correct management of money, in which the risk of losing it is minimal. We decided to make a series of articles in which we will tell you how to protect yourself from errors, as well as how to use it correctly banking products. Today we’ll talk about what not to do.

Good advice

Mobile cards from mobile operators: which one is better?

The company offers more and more new services to its spoiled clients. Mobile operators keep up with fashion and issue bank cards for subscribers. How profitable this is and which plastic is better will be discussed in the article.

Topical

"Star" advertising: celebrities who promote banks

Good advice

Buy profitably: 5 cards for saving in supermarkets

Few people buy luxury real estate, but bread and milk are needed every day. We constantly leave thousands of rubles in supermarkets. We will tell you in this article which plastic you can use to save money on buying groceries.

Good advice

Everyone for the match! Cards for football fans

The biggest sporting event of 2018 – the FIFA World Cup – has ended. Russian fans should not be upset, because soon they will see their idols again at Premier League games. And ahead of the opening of the new season, we decided to do a little research to help readers buy stadium tickets at a good price.

• What to do with torn rubles

  A banknote with stains, scuffs and painted faces may not be accepted in a supermarket or bus. But you shouldn’t throw it away - the bill is considered solvent.

Good advice

How to save on gasoline purchases by paying with a card

In April 2018, gasoline prices jumped sharply. And although the cost of fuel has now stabilized, the issue of saving when purchasing it remains relevant. Choosing the right one bank card, you can return up to 10% of the cost of gasoline. We'll tell you how to spend less when filling up at a gas station.