Raiffeisenbank debit cards: review. Raiffeisen Bank debit card: cost and conditions How much does annual servicing of a Raiffeisen Bank card cost?

Raiffeisenbank debit card. Everything you need to know before receiving

Raiffeisenbank's line of debit cards includes more than 6 different products with optimal annual service costs and an additional set of tools. However, the most popular debit card of this bank is the payment card of the Visa Classic payment system with Visa payWave one-touch payment technology. We'll talk about her today. Typically, this bank services salary projects - the card is issued in the form of a salary card by various organizations. Type - MasterCard or Visa.

Maintenance cost

Standard Raiffeisenbank debit card can be linked to one of the accounts opened in Russian rubles or foreign currency. New bank clients receive 1 month of free service, after which an annual fee of 750 rubles is charged. If a bank client wishes to issue an additional Visa Classic card, its annual service will cost 600 rubles. In this case, an additional fee will be charged for reissue. If the client needs an urgent reissue, he will have to pay 3,000 rubles; in standard cases, this service costs 300 rubles.

Internet banking upon receipt of a Raiffeisenbank debit card

Remote control from Raiffeisenbank is:

Cash withdrawal fee

To begin with, it is worth noting that the maximum daily spending limit on the card is 3 million rubles, and only 200 thousand for replenishment.

The commission for cash withdrawal at the cash desk of a bank branch is 0.7% of the amount, but not less than 300 rubles. But there is no additional fee for withdrawing money from a bank card at bank terminals and ATMs. As for terminals of third-party banks, the holder will have to pay a fixed commission of 150 rubles + 0.5% of the amount of funds issued.

You need to be prepared that there is a 1% commission for paying utility bills, electricity, and communication services at Raiffeisenbank ATMs.

There is also an additional fee of 2% of the transaction amount for transactions in a currency other than the main account.

Transfer to a Raiffeisenbank debit card - where can I find the details?

To find out the number, just look at the front side of the card, where its 16-digit number will be displayed. You can find CVC/CVV2 on the back of your bank card; this code consists of 3-4 digits and is indicated on the signature tape.

You can find out the account number to which the plastic is linked using any of the remote control methods. The account number is also indicated in the agreement for the issuance and banking services of a debit card.

Raiffeisenbank details can be found on the official website in the “About the Bank” section, in the Internet bank or by calling the toll-free hotline number

As for the cost of non-cash transfers between Raiffeisenbank cards, no commission is charged in this case. For a transfer to a card issued by another bank, an additional fee of 1.5% of the amount is charged, but not less than 100 rubles.

Interest rate on the balance on a Raiffeisenbank debit card

Any positive debit card balance will incur an annual interest rate of 0.1%. Interest is calculated monthly and added to the total balance. Details of this service for each month can be found in the invoice statement, which is sent by email.

Disadvantages of a Raiffeisenbank debit card

Raiffeisenbank debit card can be called a standard banking product that is suitable for the vast majority of average citizens of the Russian Federation. No additional goodies or bonuses, everything is simple and clear. An acceptable annual service fee and a small bonus in the form of a meager interest rate on the balance are perhaps the only advantages. As for the minuses, there are practically none here, although there are a lot of shortcomings. Firstly, there is a high commission for withdrawing cash at bank branches - 0.7%, minimum 300 rubles. Secondly, there is no cashback, like in many other banks. Thirdly, there are quite high interest rates for transfers to accounts in third-party banks. Also surprising

Considering the range of Raiffeisenbank debit cards, choosing the right one is not so easy. Users set themselves different goals - an inexpensive means of payment, an account for receiving wages, cashback for savings, an additional card for a child, etc.

Why do you need a Raiffeisenbank debit card?

When it comes to a banking product, it is always worth looking at the “problem” on a large scale, because often the client expects a comprehensive service. Therefore, always pay attention not only to a specific offer, but also to the features of the service as a whole.

Bank advantages:

• Included in the TOP 10 largest and most reliable banks in the country;
• Insures deposits and savings according to DIA rules;
• It features loyal tariffs as part of package services. Prices without PU for cards are competitive;
• Good selection of savings accounts;
• There is a credit card with a long grace period -;
• Free insurance in Gold and higher packages (according to reviews, this is the biggest plus).
• Free remote services, mobile application and payment via mobile phone (Apple/Google Pay) - all this is available.

• Low limits on cash withdrawals and transfers (see below);
• Not all cards in service packages are serviced free of charge;
• The cost of an interbank transfer is standard, like everyone else’s - 1.5%;
• Not the cheapest loans;
• Low deposit rates.

Conditions for Raiffeisenbank debit cards

Tariffs and service costs depend on the type of product.

Classic Visa, MasterCard, MIR

Suitable for everyday use with an excellent price/quality ratio, often used when preparing a payroll project.

To get a classic debit card from Raiffeisenbank with free annual maintenance, you need to open the Optimal service package or become a participant in the salary project.

Otherwise, the cost of service according to the tariff:

• 750 rubles/year rubles for MC;
• 59 RUR/month for Visa.

According to the terms of the package, you can issue up to 3 entry-level bank cards or Visa Travel (except MIR, which is designed only for payroll).

According to the tariff, the cost of PU Optimal is 100 rubles/month. There is no need to pay if one of the following conditions is met:

• Expenses on cards exceed 10 thousand rubles per month;
• The average monthly balance during the month is 100 thousand rubles (balances on current, savings accounts and deposits for each day are taken into account - summed up and divided by the number of days in the month).

If you want to order a MasterCard card with an individual design on the front side, you will need to pay an additional 500 rubles.

According to reviews, among the advantages of the classic Raiffeisenbank debit card are:

• Can be opened without a package of services for a reasonable fee, in a package - without commission (except for Visa Travel).
• Contactless payment technology;
• Receive a personalized card on the day of application;
• Free cash withdrawals from ATMs of other banks (according to the conditions - 2 transactions per month);
• Opening in three currencies to choose from - rubles, dollars, euros.

Premium and gold cards

Raiffeisen has its own service package for each card category. Moreover, any debit card higher than Standard or Classic can be issued only by paying for a specific set of services (SP):

• Gold - up to 3 pieces of the Gold category.
• Premium Direct - up to 5 pieces of Platinum level.
• Premium 5 - up to 10 pieces of Platinum and World Black Edition categories.

The peculiarity of gold and premium level cards is that their choice is associated with an assessment of the service package as a whole, i.e. You don’t just choose a payment instrument, but decide how beneficial the terms of the entire complex will be for you.

According to reviews, the main advantages of Raiffeisenbank premium cards:

• Free insurance and annual maintenance (except Buy&Fly).
• Moderate monthly service fee and the ability to avoid commissions by maintaining account balances or turnover.

Points are awarded according to the tariff of the Raiffeisenbank debit card All Immediately for expenses:

• 1 point per 100 rub. - standard conditions;
• 1 point for 50 rubles - for new customers only in the first year of card validity.

Additionally, they give 200 points on New Year's and birthdays.

Newcomers receive 300 candy wrappers as a gift if they spend 5 thousand rubles in the first month. from the All Immediate card, for them - free annual service versus 1,490 rubles / year (only the first year).

The undeniable advantage of a debit card All at once - there is no requirement to open a package of services.

According to reviews, new clients receive the maximum benefit, so if you want to try Raiffeisenbank’s service for quality, feel free to order a debit card All At Once.

Raiffeisen for travelers - Travel or Buy&Fly

Both types of these debit cards allow you to accumulate miles and then use them to pay for train tickets, air travel, transfers, hotels, etc.

Visa Travel costs 500 rubles/year and is available only in the Optimum package. Cashback exchange is possible only on the portal iGlobe.ru . And accruals occur according to the following conditions:

• 1 mile - every 40 rubles. expenses;
• 1000 bonuses - in rub. client;

Bonuses are stored for 3 years.

The advantage of the Raiffeisenbank Visa Travel debit card is free cash withdrawals from ATMs anywhere in the world (2 transactions per month).

The Raiffeisenbank Buy&Fly debit card is issued only when premium tariffs are opened and costs 299 rubles/year.

The exchange of accumulated miles for services for travelers takes place in your personal online bank account, and the accruals are calculated as follows:

• 1 mile for 100 rubles. - standard tariff;
• 4 miles - if the amount of expenses on the card is above 75 thousand per month.

It features an increased limit on cash withdrawals, free travel insurance and a long “shelf life” of bonuses - 3 years.

Raiffeisen Poster Restaurants

The Raiffeisenbank Restaurants Poster card offered the following opportunities at its opening:

• 10% cashback on payments in restaurants and bars abroad;
• 10% discount when paying in establishments in St. Petersburg and the capital.

Also, the owner has the right to issue an insurance policy free of charge for the family when going on a trip.

The cost of the card is 900 rubles per year. Raiffeisenbank is considering the possibility of restoring the release of a product with the same or similar program, but the timing has not been announced.

Cash withdrawal limits and transfer rates

The following values ​​are set for Raiffeisenbank debit cards:

According to reviews, such low limits are Raiffeisen's biggest drawback.

The fee for receiving cash from Raiffeisenbank debit cards is:

• At Raiffeisenbank ATM: 0%;
• At the cash desk: 0.7% (150 rubles per transaction - for PU owners);
• At third-party self-service machines: 1%. PU Optimal allows you to withdraw money 2 times a month without commission.

How to apply for a Raiffeisenbank debit card

The easiest way is to open it remotely, or go to a bank branch to get acquainted with the conditions in a personal consultation with an employee.

Order online

A Raiffeisenbank debit card can be issued directly from the website online:

A form will appear in which you enter contact information and region. After this, a call will come from a Raiffeisen employee to confirm the initiative. Production time is from 3 to 5 days.

You can use your online banking personal account: in the Cards tab, if you scroll to the bottom of the page, you will see the options available for registration:

The form describes the debit card terms and rates and can be downloaded for review. The online application is completed by simply clicking on the Order a card button.

Open in branch

To apply for a card in person, you need to go to the office with your passport and write an application. When ordering a personalized card, you will need to wait several days until the plastic is produced and delivered to the department. Instant cards are issued immediately upon application. These include all classic cards, including Visa Travel.

According to rating agencies, Raiffeisen Bank is one of the ten best financial institutions. It issues a huge range of credit and debit cards with conditions for different categories of clients, thanks to which its products are used not only by individuals, but also by entire organizations.

The issue of 12 debit cards from Raiffeisenbank in the Mir payment systems, Visa and MasterCard, distinguishes it from its competitors and allows it to meet the needs of all people. Reliability and the possibility of contactless payment are the key to comfortable customer service.

Complete list of Raiffeisenbank cards

Today, 12 types of debit cards are available to users:

• "All at once."
• "Children's room."
• "Buy&Fly".
• "Poster Restaurants".
• "MasterCard Standard".
• "Visa Classic Travel".
• "Master Card Gold Package".
• "Visa Gold Travel".
• "Platinum MasterCard".
• MasterCard World.
• "Visa Signature".
• "World".

The most popular of them should be considered separately, because... In all cases, individual rates, conditions and bonuses apply.

"All at once"

For users of the “All at once” card, up to 5% cashback is provided on all purchases and instant issuance, but these are not all the advantages:

• New clients receive 1 point for every 50 rubles spent. For everyone else, this amount increases to one hundred.
• For your birthday, the bank gives you a nice gift - 500 points that can be spent on purchases.
• 5,000 partners cooperate with Raiffeisen, and each of them provides a discount when purchasing goods using a card.
• The same privileges apply as with the Visa Gold card.

An important advantage is free cash withdrawal at “native” ATMs and terminals of partner banks. Another plus is the low cost of annual service (only 1490), and for SMS alerts you need to pay only 60 rubles. monthly.

The disadvantage is the currency restriction - only Russian rubles are available. And if you withdraw banknotes from a third-party ATM, you will have to pay a commission of 1%.

Children's card

This product provides 5% cashback, a free mobile application and the possibility of interest-free replenishment from other accounts. It can be obtained for children of two age categories: from 6 to 14 years old, and from 14 to 18 years old. For parents, such plastic is convenient because they can control expenses and manage limits, and the cost of maintenance will be only 490 per year.

"Buy&Fly"

Premium service is the main advantage of this product. For every 50 rubles spent. up to 2 miles are awarded, and for travelers there is a free insurance service for the whole family. When you reach the required amount, you can exchange miles for:

• Air and train tickets;
• Hotel reservations;
• Transfer by business class car or Aeroexpress tickets.

Holders are provided with a free SMS bank, and the cost of maintenance for 1 year will range from 3,000 to 6,000.

Visa Classic Travel

This card is ideal for travel lovers: when used, you will be credited with 1 mile for every 40 rubles spent on any purchases. The low cost of service is also pleasing - only 750 per year, and for SMS notifications you will have to pay the standard 60 rubles. per month.

Platinum MasterCard

This banking product is the best solution for clients who travel frequently abroad. It provides the possibility of emergency cash withdrawal in case of loss of plastic, free replenishment from cards of other financial institutions. Also for this offer there is a dedicated “Premium Line” to resolve any issues.

When using a Platinum MasterCard, the following conditions apply:

1. Currency – rubles, dollars and Euros.
2. Free SMS banking.
3. There is no fee for maintaining plastic and issuing cash at Raiffeisenbank ATMs.
4. Commission for cash withdrawals at third-party ATMs is 1%. When withdrawing dollars – 1% or 3 $, Euro – 1% or 3 €.

Visa Signature

Frequent travelers with this premium debit card receive the following additional benefits:

• Assistance in obtaining a visa.
• Real estate insurance.
• Providing a safe deposit box at a discount.
• Fast track passage and discounts when checking in at the airport.
• Aeroexpress at the expense of the bank.
• Availability of two currencies - Euro and rubles.

Debit card Mir

This product is usually chosen by organizations to pay salaries to their employees due to the preferential annual salary. Standard conditions apply to holders of this debit card:

1. Interest-free withdrawal of banknotes from ATMs of Raiffeisen or partners.
2. Free application and internet banking.

How to get a card from Raiffeisenbank

To apply for a debit card, you need to complete several steps:

• Choose the most suitable product for yourself on the official website.
• Select the “Apply” menu, enter your data: name, phone number, region of residence.
• Wait for a call back from the manager, agree on the branch and the date of receipt.
• Visit the office at the appointed time with your passport and pick up your “plastic”.

If you don’t have time for a personal visit, you can order the card to be delivered by courier. Execution time – 1 working day.

Advantages and disadvantages

According to reviews from Raiffeisenbank clients, each of its products has certain advantages:

• Favorable terms of service.
• Nice bonuses that allow you to save on trips or purchases.
• Fast processing and receipt.

There are no significant shortcomings in the debits of this bank, which is why more and more organizations choose it every year.

Conclusion

Using debit cards from Raiffeisenbank is a great way to accumulate miles and bonuses while spending your own money on regular purchases. By choosing the products of this financial company, you can be convinced of its reliability and quality of service, which is important for people who value their time and finances.

I hope our tips were useful to you. See you on the pages of the site!

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A large credit institution that has outside support. Their products are perceived rather controversially by critics, but still there are exactly the cards that can satisfy every client. Let's look at and analyze each Raiffeisen Bank card - tariffs, conditions, registration methods and pitfalls.

Debit

NOTE! The virtual card is no longer serviced by this bank and is currently impossible to issue. We hope that in the future this opportunity will be quite real.

All at once

• Bonus program:
  • Welcome 300 points on your first total spend of 5,000.
  • 300 b on DR.
  • 200 b for the new year.
  • 1 b for every 50 rubles spent (100 from the second year and for non-new customers) on all purchases.
  • The storage period for bonuses is 36 months.
  • The maximum you can accumulate in one calendar month. – 1 thousand b.
  • Bonuses can be exchanged for rubles: 20 thousand b = 50,000 rubles, 4 thousand b = 4 thousand rubles, 1000 b = 600 rubles, 500 b = 250 rubles.
• The website states that there is cashback, but this is an excellent manipulation from the bank with words, numbers and terms. There is no cashback as we are used to. The bank considers a cashback of 3.9% - this is a maximum return of 50,000 if you managed to accumulate 20,000 bonuses in 3 years. And these 50,000 will be “cashback” from the entire amount spent for the entire use of the card. Read more about this product in a full analysis and review.

Buy and Fly

• Points can be accumulated and spent on travel: train or air tickets.
• 1 mile per 100 rubles spent on everything.
• If the total purchase price is over 75,000, then the coefficient increases to 4 miles per 100 rubles.
• Duration – 3 years.
• Maximum per year – 240 thousand miles.

Gold Package

• 5 extra cards - free.
• 5% cashback on purchases at gas stations. Maximum refund per month. – 3000.
• It is possible to use the products for free; to do this, you must fulfill one of the following conditions:
  • For all bank accounts, the total balance must be at least 300,000.
  • Card turnover per month. from 30000.

For children

• 5% cashback on everything, but the maximum you can accumulate is 200 wooden ones per month.
• Approved from the age of 14. Valid under contract until 17 years of age.

Premium

1. The ability to use the card for free, for this you need to fulfill all the conditions:
   • Balance – 500 thousand.
   • Balance in US dollars or euros – 10,000.
   • Monthly turnover for all products is 50,000.
   • Loan or mortgage from a bank in the amount of 3 million.
2. Multicurrency account in dollars, euros.
3. Free travel insurance for all family members.

Travel

• We accumulate and spend points to purchase air tickets on almost any airline in the world.
• 1000 Miles as a birthday gift from the bank.
• 1 mile for 40 rubles on all goods and services.
• 15 miles for every 67 rubles on iGlobe.ru.

WORLD

• No cashback or bonus programs.

Credit

General terms

110 days

• You don’t have to pay for the card if you spend 8 thousand a month.

Austrian Airlines

• 1 mile for every 50 wooden for all expenses.
• They can be used to purchase plane tickets with the Lufthansa Group.

Bonus when applying through our service

High Cash-Back

Fill out the form online

Over the past few years, a revolution has occurred in the banking sector: most services are now provided remotely. This reduced the processing time of applications and improved the quality of customer service. For example, debit card of JSC Raiffeisenbank, became available for registration through the bank’s website. You can slowly select the optimal offer from the list, submit an application and receive the “plastic” at the nearest company office or by mail.

Order a debit card from Raiffeisenbank

Raiffeisenbank has tariffs for every taste. A particularly large selection is created for travelers, but there are also classic debit cards for ordering - here everyone will find the optimal package. The table will help you navigate the current offers:

We recommend that you pay attention to additional payments and commissions, which can be found in the “Tariffs” section on the organization’s website. For some types of transactions and some types of cards there are additional prices depending on the chosen tariff.

Registration of a debit card of JSC Raiffeisenbank

Any citizen of Russia over the age of 6 years can issue a Raiffeisenbank JSC debit card. In the period of 6-14 years, the “plastic” is opened in the form of a duplicate of the parent; after 14, you can order it separately. To submit an application, a copy of a scanned Russian passport is sufficient.

Online application for debit from Raiffeisenbank

To submit an application online, you need to select the most suitable program and click the “Apply” button: