How to choose a debit card

What is a debit card?

This payment card to pay for goods and services and receiving money from ATMs. With this card you will dispose of the funds within the available balance in the account to which it is bound. This differs from a credit card, where you take the money borrowed from the bank. Purpose of debit cards - replacing paper money cashless payments.

Choosing a Bank

Check the financial condition of the bank

Financial indicators tell about the reliability of the bank. Even the largest bank is not immune from bankruptcy, but large credit institutions likelihood of this scenario is lower than that of small ones.

Pay special attention to the banks that offer very favorable conditions for servicing cards. Probably, the bank does not do a good life and he needs to attract new customers. Monitor the financial condition of banks can be online banki.ru.

Key performance indicators of the bank states: Net assets and net income. If they grow - it is a good sign, falling - it is worth considering.

Learning customer reviews

When choosing a bank, study customer feedback. For example, a page with reviews of the banks in the banki.ru. If the bank is large and has branched network of branches, it is necessary to ask around with friends from your region and city. From city to city the same bank operates differently.

Convinced of the safety of funds

Ordering a card from the bank, you open a bank deposit account. Guarantee the safety of funds - the bank's participation in the deposit insurance system (DIS). If the bank is involved in the CER, in case it is closed you will pay up to 1 million 400 thousand rubles inclusive. If you have more money, then place them on different bank accounts.

List of participating banks of the system can be look Online Deposit Insurance Agency.

Check list:

• We make sure that the bank participates in the deposit insurance system.
• We assess the financial condition of the Bank's main indicators.
• Learning from reviews of the bank customers ask from acquaintances.

Choosing a card

Each bank, as a rule, there is a whole range of debit cards. They may differ in the security of payment systems and (with or without a chip), service rates, bonuses. Also common debit cards for certain purchases, such as vehicle refueling, the card for travel, shopping in online stores.

Having defined the map, go to the bank branch or call the support (if you do not have bank branches) to obtain professional advice. Do not hesitate to ask questions, especially concerning the terms of service: how much is the card service the first year and the next, a package of services is included in the fare, what options and at what cost available.

We advise to draw cards with a chip: they are safer than conventional magnetic stripe cards because they are more difficult to forge.

Another point that is worth paying attention to - payment system. Russia has recently earned the payment system "Mir", but until its reliability is questionable. It is better to dwell on the classic versions - Visa and Master Card. They work almost all the shops, terminals and ATMs.

Check list:

• Debit cards are classic and bonus. Decide which card you need.
• Carefully read the banking contract.
• The card should be protected by the chip. This additional layer of security.
• Choose a card with a classical payment system - Visa or Master Card.

How to map helps to make

Ok, we have chosen the right bank and the card. Now we go to the pleasant things. Do you know what a debit card - this is not just an electronic purse? You can save money from inflation, to receive the balance of the invoice discounts and the partners with good cards. Tell me more precisely how the card can help you save and earn some money.

Keshbek - it the return of the money spent. Typically, banks have a single interest rate for such operations, eg 1%. Each spent thousands of you back ten rubles. Some banks allow you to choose your favorite shopping category that acts increased keshbek.

For example, the bank offers a 3% keshbeka when spending on travel, books and gasoline. Then each spent thousands of rubles will not be back for ten and thirty.

On account balance may bear interest. Thus, a bank card, and works as a contribution, helping to save money on depreciation. As a rule, banks have special conditions: in order for the rest of accrued interest, you must be at least 10, 30, 100 or 300 thousand rubles on the account - it all depends on the particular bank. Ask this point, the bank employee.

Many banks enter into agreements with partners: clothes shops, perfumes, online stores, travel agencies, aggregators, tours and hotels. As part of special offers from partners often there are discounts on the purchase of the first (from 10 to 30%).

Check list:

• Ask if it works with your card refund program (keshbeka).
• Find out if the interest accrued on the account, and if so, under what conditions.
• Explore the partnership program of the bank.

Service

Of the benefits that you can get by filling out the card, move on to the least important issue - maintenance. Good banks like customers and simplify their lives with the help of mobile applications, online banking, telephone support fair, an extensive network of branches and ATMs.

Mobile applications

In 2016, banks are required to have in your pocket. Interestingly, the convenient mobile applications profitable and the banks themselves: so they reduce the flow of customers in offices and save money on staff salaries. If most of the operations can be done via a smartphone, what extra tellers and managers in service departments?

Internet banking

The same applies to Internet banking. A good bank should be comfortable and functional online banking. With it, you can not only pay for utility services, telephone and internet, but also to open new accounts, transfer funds between them to block the card, open deposits, issue loans.

customer support

Even in the most thoughtful bank get into trouble - this is normal. It is important that in such moments, you know that you can count on a sensible support by phone or online. Clarify this point by a specialist in the design map, ask around those who are already a customer of the bank, how to solve their problems.

separation

In recent years, banks have greatly transformed and looked like large IT-companies. The card can be ordered from the comfort of home, almost all operations can be performed in the application and Internet bank. But many a way of communicating with the bank did not fit. Some questions actually easier to deal with in the office, rather than at a distance. So do not be superfluous to find out how many bank branches have in your town, how convenient they are located.

ATMs

Debit cards are intended to replace paper money, but not everywhere can pay by bank transfer. Therefore, find out how the bank's affairs with ATMs.

Large banks (Sberbank, "Alfa-Bank", "VTB 24") are building an extensive network of ATMs across the country. Others ( "Tinkoff Bank", "Roketbank") allow you to make money in almost any ATM, but under certain conditions. For example, in "Tinkoff Bank" no commission can shoot from 3 000 rubles, and in "Roketbanke" - no more than a few times a month.

There is a third category of banks, which are combined in the partner network and allow customers to use ATMs without commission each other.

Check list:

• A good bank convenient mobile application. You can perform most of the operations directly from your smartphone.
• The bank should be comfortable and functional online banking, which would reduce the number of trips to the branch to a minimum.
• Friendly support - the basis of a good relationship with the bank. Make sure that the bank has a good customer support.
• Many people prefer to work with the bank branches. It is important to know how extensive network of ATMs: if he has its own network, or it works with partners.

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Now that you know how to choose a debit card. We hope that these tips will help to find a profitable option. Questions and suggestions to supplement the material leave in the comments.