Many are interested in how to open a card account in a bank?
A plastic card is a quick and convenient way to perform cashless financial transactions. Banks offer their customers different types of electronic products, for example, credit, debit and others. In addition, financial institutions open individual accounts for cardholders. But what is a card account in a banking structure, how does a plastic instrument relate to an individual accounting record used by a financial institution?
What is a card account in a financial institution? A card account in a bank is, first of all, an account or an account to which a plastic card is tied. Funds are credited to such an account. They are deducted from it at the expense. The number that is displayed on the front of the card with silver or gold numbers, as well as the numerical value of an individual account, are different. The first indicator has sixteen or eighteen digits, and the second twenty.
How many can there be?
Each person who is a client of the bank can be the owner of many so-called accounts in one, as well as several financial organizations. For the comfortable work of financial companies and users of their services, mobile plastic tools have been developed, the calculations of which are carried out by bank transfer remotely.
Special account
A card account in a bank is a digital designation of an account of a particular client with a wallet attached to it with a specific numerical number. With its help, the bank carries out control, as well as accounting for all monetary operations of the holder of this payment product. In the case when the plastic holder uses several wallets in the same financial company, some of them can be tied to one accounting record.
If the client sends cash to the card, transfers a certain amount from another, he automatically replenishes the card account. When requesting information about the balance, the client finds out how much money he has in the bank on a particular account.
How can I find out my card account?
A card account in a bank is a so-called cash slot attached to a plastic carrier. Remembering his number is not necessary. Of course, it is quite problematic to keep a twenty-digit number in memory. There may be situations in which this number may still be needed. But where and how can I find out the account number to which the wallet was linked?
- It is indicated in the agreement that is concluded between the client and the financial organization at the time of receipt of the plastic instrument.
- In an envelope with an individual code in which they provide registered products, there is information about the numbers of the plastic card and bank account.
- On the back of each product is indicated the telephone number of the Hotline of the financial company that issued the card. If you call this number and inform the specialist of the necessary confidential information, the bank customer has the right to find out information about his account.
- In Internet banking, such information can be obtained through the Network.
- When using such a wallet at an ATM, the card holder may request a card account number.
In the event that these methods are not suitable for the client, then he should go to the bank branch and request through the employee all the necessary information.
Types of Card Accounts
There are two types of bank card accounts.
- A debit card account in a bank is the current balance. The issuance of such plastic allows its owner to write off funds through ATMs. In addition, thanks to him, you can make payments and various transactions within the amount available on a special card account. It is this type of card account that is used to transfer salaries and pensions to them, as well as all kinds of social payments and other things.
- Credit. When making this service, the card holder is provided with a limit within which a person can pay in excess of the funds available on the account. This is what a bank card account means.
In this case, the size of the restrictions is prescribed in the contract at registration. There are several types of cards directly:
- mass class;
- intermediate level;
- elite type.
All cards differ in the degree of protection, as well as the price and services provided to customers. 
What to find out at the time of registration?
A bank card account is an opportunity to manage money by bank transfer. They attract customers due to the ease of registration and high speed of issuing a payment instrument. During registration of the service, it is recommended to find out a number of the following points:
- the ability to write off or replenish;
- amount of commission charged;
- availability of funds outside the territory of Russia;
- providing cardholders with additional services;
- the cost of maintaining an account.
As a rule, card accounts of banking institutions make it possible to use funds abroad. All that is required for this when applying for a visa is to transfer a certificate from a financial institution about the availability of an account, as well as about the balances on it. Opening a card account with a bank is not difficult. All you need is a passport.
Specifications
The basic characteristics of a financial institution's card account include the following characteristics:
- Ability to bind multiple payment systems to one account. In this case, plastic can be transferred, for example, to one of the members of your family for subsequent use. Money, for example, is received by the father, and children and the wife use it.
- Card accounts for legal entities (also called corporate cards) have similar features. Each employee has his own payment system with certain restrictions regarding costs. At the same time, an organization can have only one account.
- Providing a specific limit of one to two years. At the end of the term, you can issue another plastic card. In this case, the card account number will change, and the bank account will be saved.
The difference between a current account in a bank and a card account
It is important to understand that the current bank account is the one that is opened by an individual for personal use, that is, not for entrepreneurship.
At the same time, in order to make it as convenient as possible to work with him, in particular, deposit cash and withdraw it, a special plastic card is tied to the account. Then the current account becomes a card account.
It is not possible to release and maintain plastic media for free, except in rare cases (social cards). According to the terms of the contract, the bank charges a certain commission for this. It is also possible to connect special options for which you also have to pay periodically.
Conclusions on the topic
Thus, when opening a regular or special card account, it is important to pay attention to the conditions put forward by the banking institution. It is also important to study all aspects of cooperation, starting from the commission and accessibility of services, ending with limits. We examined in the article what a card account in a bank means.