Lifehacker's podcast: 7 biases that keep you from getting rich

Only the rich can invest, and keeping money on a bank card is not profitable. Do you think the same? Then this issue will be useful to you. Together with the bank "Uralsib»Recalling common stereotypes about personal finances and telling what is wrong with them.

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Servicing the "Profit" card (Card) - 0 rubles per month for purchases over 10 thousand rubles in month (some purchases are not taken into account, the list is on uralsib.ru), in other cases, the service is 99 rubles per month. Cashback condition: for Cardholders - members of the URALSIB Bonus (hereinafter referred to as the Program) when using bonus rubles (hereinafter referred to as BR) for the Reversible service cashback - a payment to a DS Card in the amount of a purchase made in rubles using a Card with the Program in the amount from 1,500 to 50,000 rubles in the previous month, in exchange for BR. Accrual of BR: for purchases with the Card with the Program at the rate of 1 BR = 1 ruble in the amount of up to 3% of the amount of purchases with the Card per month (some purchases are not counted, the list is on www.bonus.uralsib.ru): 1% - within the first month after registration in the Program, with the second - when the amount of spending on all Client Cards with the Program is from 10,000 rubles (some purchases are not taken into account, the list is www.bonus.uralsib.ru); 1% - if there is debt on a credit / debit card of the Bank with a credit line (hereinafter collectively - Card debt) from 5 000 rubles inclusive at least 1 day within a month or with the balance of the loan amount from 100 000 rubles inclusive at the beginning months; 1% - if there is a package of services "Priority", "Status", "Private", "Premium Light", "Premium", "Premium Sport" (respectively "Premium Light", "Premium", "Premium Sport") for 3 months or more, or if there is a Card Debt of 15,000 rubles inclusive, at least 1 day in within a month. The maximum volume of purchases per month for which BRs are charged is 400,000 rubles for clients with packages services "Priority", "Status", "Private", Premium Light, Premium, Premium Sport and 200,000 rubles for others clients. BRs are canceled: if within 6 consecutive months there are no transactions to enroll or use the BR; if there is an overdue debt of 30 days (inclusive) on any loan with the Bank. The term of the BR is 12 months. Every month, 8% per annum is charged on the daily actual balance of the DC on the Card in the amount of up to RUB 1 million inclusive. purchases with the Card over 10 thousand rubles (some operations are not taken into account, the list is on uralsib.ru), up to 10 thousand rubles (inclusive) - 0.1% annual; when exceeding 1 million rubles. interest on the excess amount is not charged on the Card. The Card is valid for 4 years. Commissions: changing the PIN-code / unblocking the Card using ATMs (hereinafter - BT) of other banks - 50 rubles; request for the balance of the DS through the BT of other banks - 30 rubles. Information service - 59 rubles per month, the first 2 months are not charged. Servicing an inactive card account from 365 to 730 days - 199 rubles, from 730 days (inclusive) - 250 rubles; cash withdrawal (hereinafter - VN) at points of VN (hereinafter - PVN) - 0.7% of the transaction amount (hereinafter - CO); VN in PVN and BT etc. banks on the territory of the Russian Federation with SO up to 3 thousand rubles - 99 rubles; VN in PVN and BT of other banks outside the Russian Federation - 1% of CO, but not less than 110 rubles, commission may be charged by other banks; VN without a Card in the PVN of the branch of the Bank, in which the account is opened, in the amount of up to 1 million rubles / equivalent in conventional units (inclusive) - 1% of CO, from 1 to 3 million rubles - 5%, from 3 million rubles - 10%; crediting to the DS account via BT and the payment terminal (hereinafter referred to as BPT) of banks according to the list approved by the Bank on the Bank's website (hereinafter referred to as the list) - 0.5% of CO; cashless transfer of DS (hereinafter - BPS) to BT and BPT Bank from the Card to the cards of other banks according to the list - 1.5% of CO, but not less than 60 rubles; BPS in BT of banks according to the list from Card to cards of the Bank and banks according to the list - 1% of SB, but not less than 30 rubles; BPS in other organizations from Card to cards of other banks - 1% of CO, but not less than 60 rubles; BPS in the Internet channels of the Bank from Card to cards of other banks - 1.5% of CO, but not less than 60 rubles; use of DS, composition. technical debt (hereinafter referred to as TK), within the period of reimbursement of TK, in% per annum - double key rate of the Central Bank of the Russian Federation.
The conditions are valid as of 08.11.2021.
Detailed information by phone 8 800 250 57 57 and on the website www.uralsib.ru. Advertising. It is not a public offer. PJSC BANK URALSIB. General license of the Bank of Russia No. 30 dated September 10, 2015