With the development of the economy and the growth of well-being of the population, various banking services have become very popular among people. Banking institutions in response to such demand offer special services that are aimed at simplifying mutual settlements between customers and making cashless payments convenient. In addition, they introduce new methods of payment for goods and services, as well as issue loans.
But, probably, the most popular among citizens is a bank card. Now financial organizations constantly advertise different types of bank cards. And many people go on advertising tricks and draw them up, almost not understanding the need for this service. Banking institutions, as a rule, emphasize only their advantages, without going into details about tariffs, commissions and other pitfalls. Often, citizens simply do not understand the clever terms that bank experts call.
It is convenient if the card is a salary, on which the client receives his honestly earned money. He can get them at the nearest ATM or can simply pay by card for goods in the store or services rendered.
Basic concepts
What debit card? This is a bank card, which allows its holder to carry out payment transactions for the amount up to the amount that is on the bank’s current account in which the card was received. It can be called the direct opposite of a credit card, because when using a debit card, the owner first deposits money on it, and then spends it at his discretion. In the case of a credit card, the client can use the money immediately, and then repay the debt.
There are several types of such cards. With the help of some, you can get cash through ATMs and in bank branches, with the help of others you can pay for goods in stores and services. But there are those that can be used abroad, or those that work within the same country.
Another subset of debit cards is a salary card, which is provided as part of an organization’s agreement with a bank to issue bank cards to the employees of this organization to which their earnings are transferred. As a rule, they are issued free of charge, but usually their capabilities are limited. For example, it is impossible to use them abroad, they operate only within one country.
Tinkoff Bank Debit Card
What is a Tinkoff debit card? This financial institution offers the only type of debit card - Tinkoff Black, so the choice for bank customers is very limited. Its most important advantage is the return of a small percentage of the purchase to the card. Usually this is one percent, but in some cases it can reach five percent.
For servicing the card, the bank charges a monthly commission of 99 rubles, respectively, the annual service will cost more than one thousand rubles. But you can also get free support for this banking product. To do this, you need to be a client of a bank that has an open deposit of more than thirty thousand rubles or a loan.
The main disadvantage of the Tinkoff Black debit card is the expensive annual service. In other banks, this figure is 500-800 rubles.
Debit card from Sberbank of Russia
Through a bank card offered by Sberbank, you can perform a number of operations with cash. With it, you can be sure of the safety of your money.
With cards from Sberbank, customers will not have to carry a large amount of money with them, since it can be used to pay in stores, food services, service centers, hairdressers, and so on. In addition, it allows you to pay for purchases in online stores, to buy tickets for airplanes and trains.
If the client needs cash, then thanks to the ATMs that are available at any time of the day or night, you can withdraw them without any difficulties. And such services of Sberbank as a mobile bank and online bank will allow you to manage your accounts without leaving your home.
What is a debit card from Sberbank? The bank offers the following varieties to its customers.
- Classical It is chosen by customers who actively carry out financial transactions through Sberbank. With the help of it you can pay for goods and services both in our country and abroad.
- Premium. It is suitable for high-status customers using Visa Gold and MasterCard Gold payment systems, which enable cardholders to count on a high level of service. They are marked with a magnetic strip and a chip, which guarantees high protection of money on the card.
- Charity With the help of it, the bank helps seriously ill children by transferring money received from customers for annual card servicing (half the amount) to the accounts of the Give Life charity foundation. In addition, 0.3% of the total amount on the card goes to the fund. Thus, clients are also involved in saving sick children.
- Instant. Such a card can be issued at any office of Sberbank of Russia. It is issued immediately and no service fee is charged.
Any person over the age of eighteen can receive a debit card. For registration, you need to submit a passport to the bank.
Home Bank Debit Card
Now we will analyze what a Home Credit Bank debit card is and what opportunities it provides.
- The cardholder may ask the bank to transfer the credit to the debit card account. If at the moment he does not need the entire loan amount, he can leave part of it on the card and receive income from accrued interest on the remaining amount. So the cardholder insures himself against problems with repayment of the loan and receives additional benefits from accrued interest.
- Debit card makes loan repayment easier. The client can configure it so that repayment occurs automatically upon maturity. Thus, you can not be afraid of delayed credit.
- With a card, you can count on discounts at partner bank stores when paying for goods.
- When you activate the Internet Banking service, you can pay utilities without additional fees directly from home. Using this service, a client can manage his accounts without contacting a bank branch.
Conclusion
In conclusion, we’ll give some tips for debit card holders.
- Periodically check the balance of the amount and compare it with the account statements, because sometimes fraudsters withdraw a small amount of money, which, as a rule, is invisible to the client.
- Do not tell anyone, moreover, do not write on the card or keep information about the PIN code next to it.
- If the card is lost or stolen, it must be immediately blocked by calling the bank.
