Almost any Russian is familiar with such a product as a bank card - from schoolchildren using the card to pay for school meals, travel (sometimes it is even used as a pass), and to pensioners receiving pensions or other social benefits on the card.

What is the first thing cardholders pay attention to? As a rule, for the cost of annual card maintenance, a fee for cash withdrawals from ATMs and a fee for SMS informing about completed transactions.

For those who wish to receive a credit card, it is also important to know the annual interest rate. For many, the commission (or lack of it) for an interbank transfer also plays an important role.

But if all these fees are quite logical, then there are columns in bank rates that may come as a surprise to the owner of the plastic. We will consider some of them.

Let's start with the simplest - balance inquiry at ATMs. A symbolic fee of 15-20 rubles, I think, will not ruin anyone if this service is used infrequently. But even about such a small cost of the service, it is better to know in advance, so that later you do not look for the money that has disappeared from the account. And everything would be fine, but some credit organizations manage to charge up to 100 rubles for one request, there are those who take a commission for this operation at their own ATMs. Of course, large banks do not sin with this, more often - small and / or regional ones.

In addition, it is worth distinguishing a balance request from a mini-statement. The latter can only be obtained at ATMs of the issuing bank and, as a rule, for an additional fee. The statement is a list of the last 5-10 transactions made using the card.

Commissions are also amazing. for blocking and/or unblocking the card. The amount of the fee can reach 1.5 thousand rubles. We are talking about blocking the card due to theft or loss of plastic. Some banks block cards "at the client's own request" for free. Often, when a card is stolen or lost, you will be asked to leave an application for its re-issue, which cannot be refused, even if the card is found in the very near future. Therefore, if there is a need to temporarily restrict card transactions, it is better to first familiarize yourself with the tariffs for the service, and also think about what reason to report the blocking.

It was also unexpected that in numerous tariffs there were card loss fees. In fairness, I will say that some credit organizations, on the contrary, pay rewards to persons who have found someone else's card and handed it over to the bank.

In addition, banks may charge for withdrawal of a card stuck in an ATM, for sending this card from one bank to another, etc.

Partly to help not to lose all the money when the card is lost can advance setting limits on spending transactions. Banks often offer customers to independently and free of charge set daily and monthly limits for cash withdrawals and purchases through a mobile or Internet bank as many times as they like. But it happens that for these operations a fee is still charged in the range of 50-500 rubles, either for each change in the limit, or one-time simply for providing such an opportunity.

Operations for crediting funds to a card account by transfer from a third-party bank may also be subject to commissions. Check with the bank how you can replenish the card for free.

Fees may apply and for the issuance of certified certificates or extracts in the offices of credit institutions. At the same time, receive an extract from e-mail in most cases for free.

I note that in recent times cards are issued as part of banking service packages. To a greater extent, this applies to debit cards. Packages are divided into categories and cost differently depending on the set of services. It is worth paying attention to whether package price issuance and maintenance of the card or they are charged separately.

Portal Banki.ru wishes all its readers and clients to always consciously and responsibly approach the choice of financial products and services. Full information about financial instruments is available at the Banki.ru Financial Supermarket.

Credit cards today are an indispensable tool for various payments, which Russians already habitually use. The convenience and ease of use of credit cards explain the high demand for a banking product.

It is clear that borrowed funds are not provided free of charge. Banks charge commissions not only for the use of money, but also for each operation on a card account, for delays, etc. The conditions of creditors may differ in the list and tariffs. However, you can name the payments that cardholders will have to make in without fail. The main types of commissions for credit cards the following:

1. Interest rate. The cost of borrowing is higher than for a consumer cash loan. When withdrawing money through an ATM, interest begins to accrue from the same day. Rates vary by organization and are determined by several parameters. But for non-cash payments, almost all issuing banks provide a grace period of 30-60 days (even up to 100 days) period. If you return the funds spent on time, you can avoid interest costs and save on overpayments. After the expiration of the interest-free period, a commission will be charged on the amount of the debt according to the established tariff. However, there are several ways
2. Release and maintenance of plastic. The client has to pay a year in advance for the issue of the card and its maintenance. The cost of the service ranges from several hundred to several thousand rubles, depending on the type of credit card chosen. Today, bankers offer a psychologically softer payment option - monthly. Cards are also issued with free service, but with a higher percentage and short term actions (year - two). Sometimes there is no charge for the first 12 months.
3. Cash withdrawal. The commission, as a rule, is withheld even when cashing out at your own ATMs. Recently, not only lending itself has risen in price, but the cost of a transaction has also increased to 7–9% of the amount (at least 500–800 rubles). Therefore, the use of a credit card as a source of paper money is extremely unprofitable. If you need to get cash and want to do without commissions, you can find bank offers for credit cards without commission for cash withdrawals.
4. Additional services. There are several of them, and together they can amount to a decent amount in a year. When requesting a balance, the commission of the acquiring bank is always higher than in its own, but is fixed. SMS-banking will cost up to 70 rubles per month. An account statement to the borrower's email address costs 10–50 rubles, but many lenders send a monthly report for free.
5. Amortization. Russian Post and third-party banks withhold an additional commission (a fixed amount or as a percentage) when transferring funds through them to pay off credit debt on a card. To select the cheapest way to deposit money, you should call hotline customer support of the issuing bank. Call center specialists will suggest the most economical payment options, taking into account cooperation with other financial institutions, salons mobile communications and payment systems. Transfers through partner banks are notable for their low cost.
6. Non-cash replenishment of the account. It is important to read and clarify the terms of payment of the debt in advance. If the contract provides for a fee for non-cash repayment of debt, then you need to pay the amount, taking into account the tariff. Otherwise, the cost of the service will be deducted from the transfer amount, the payment will be considered insufficient, and the debt will remain. Banks are fined for delays.
7. Penalties. Delay in repayment even for 1 day is already considered a delay. Lenders charge penalties and fees for late repayments in different ways, but they always do so. Sometimes a fixed one-time amount is charged for the very fact of delay, then interest on the debt is calculated. In other institutions, a penalty system is applied. The cost of penalties and late fees depend on the type of credit card. Instant issue plastic debts will cost the borrower more than a conventional credit card.
8. Currency conversion. When receiving money abroad, the client will need to pay:

• balance inquiry;
• commission to the acquiring bank for issuing cash;
• a commission to your creditor for issuing cash abroad;
• currency exchange (and at an unfavorable rate).

Commissions for payments with debit cards

Debit cards are a convenient and practical payment method. They differ in that they serve as a wallet for their owner, which can contain only the amount of money that the user has replenished. The convenience of payments lies in the fact that you can pay with a card wherever there are payment terminals, and in case of loss of the card, you can block it and not lose the funds available on it.

It should be noted that there are commissions when paying with debit cards for certain transactions.

Conventionally, all commissions can be divided into two types:

1. Technical. They are related to the technical side of the card: issuing, reissuing, closing, for maintaining an account, and others.
2. Operating. They are related to card transactions: cash withdrawals, transfers, conversions, balance checks, online payments, and others.

Types, conditions and size of technical commissions.

Card issue fee.

It is the very first fee that you need to pay in order to start using a debit card. AT this moment almost all banks issue debit cards for free, but there are some organizations that still have this type of commission. In most cases, it corresponds to the cost of annual maintenance.

Tip: you need to familiarize yourself with the rules for issuing a card at the bank in order to know for sure whether the bank charges a commission for issuing.

Fee for the annual maintenance of the card.

This commission is charged immediately after card activation or after the first payment transaction. The cost of annual maintenance depends on: the type of card (for example, the simplest debit card costs an average of 150 rubles, the classic type - 600 rubles, the gold card - 3,000 rubles, and the platinum card - 10,000 rubles), the availability of functions (for example, a classic card with cash-back costs 1000 rubles a year, and without it - 700 rubles), card processing (a card with an individual design will cost 300 rubles more than a card with a standard pattern)

The annual service fee is charged once a year, regardless of whether the client uses the card or not. Let's say the card is on the shelf whole year, and in the second year, a new service fee is debited, and the client can go into a technical overdraft, on the amount of which the bank will impose penalty fees in a large amount.

Tip: clarify the procedure for writing off the annual service fee and the cost of the card, depending on the availability of certain functions. If you do not plan to use the card in the future, then you need to go to the bank 45 days (the most common term for closing a card account) before the end of the service year and write an application for closing the card. Keep a copy of the application for yourself.

Card reissuance fee.

It depends on the reasons for reissuing a valid card. Reissue is carried out at the initiative of the client or the bank. The client can reissue the card in case of loss of the card, damage to the card, loss of the pin code, detection of the fact of fraudulent charges and other factors. In this case, a fee is charged, which is usually equal to the cost of annual maintenance.

The bank may reissue the card in case of a mistake in writing the client's initials, blocking the card on the initiative of the bank and issuing a new one (for example, if the client complains about fraudulent charges or card hacking). In this case, the bank takes the entire commission on itself. It is worth remembering that if the card is reissued for a fee, then the contract continues to be valid, which means that the annual service will also be charged within the period established by the contract.

Tip: be careful with the card and secret data (pin code) so as not to spend money on extra commission.

Types, conditions and amount of transaction fees for debit card payments

Commission for cash withdrawal.

In most cases, the bank does not charge a fee for withdrawing funds from a debit card at its own ATMs. Fees may apply for cash withdrawals from third-party ATMs. Usually it is 1-5% of the amount, at least 100-500 rubles. Therefore, you should not withdraw funds in a third-party terminal to the penny, since you can go into a technical overdraft or "minus", for which the bank will impose penalties.
Tip: read the conditions for withdrawing cash from ATMs of the card-issuing bank and from third-party ATMs.

Fee for requesting a balance.

This type of commission may be charged for requesting a balance in third-party terminals and is 15-100 rubles on average.

Tip: use the Internet bank to get information about your balance or ATMs of the card issuing bank.

Commission for making payment transactions on the card.

If the payment, online or offline, takes place at the expense of the client's own funds, then no commissions are charged. If the operation is carried out at the expense of an overdraft, then the bank will charge an additional commission on average 3-6%, at least 300-500 rubles.

Often removed from the client commission when paying with a debit card for buying abroad.

Advice: always know about your balance at the time of making a payment.

Commission for transfers from card to card of a client of the same bank.

In most cases, the bank does not charge a commission for this, or it is minimal (0.1-1% of the amount).

Commission for transfer to a card/account of a client of another bank.

Advice: read the terms of transfers.

Currency conversion fee.

It may be charged for purchases made in a currency other than the currency of the card. For example, if you pay for a purchase in euros with a ruble card abroad. Visa MPS charges its own 2% commission for conversion, but this is not the case with Mastercard debit cards.

Do not trust sites that publish information about bank service fees. In order not to get into trouble, you should independently familiarize yourself with the tariffs for withdrawing cash from bank cards.

Today, an article with a shocking headline is actively circulating in social networks and telegram channels: " Sberbank has introduced a single tax of 1% for cash withdrawals from bank cards. Akket.com was the first to publish it, followed by many others. By the way, this site has already posted several times (June 30, August 23 and August 26) that Sberbank has introduced either a tax or a commission for withdrawing money from customers at their own ATMs. All publications are like two drops of water similar to each other.

In these notes, a person posing as a client of the bank publishes photos in which you can see that now a commission is allegedly charged for withdrawing money through ATMs, the amount of which varies from 0% to 1%.

- The amounts are quite small, but if you withdraw, for example, 200,000 rubles, then you will have to give into the hands of a credit institution about 2,000 rubles, that is, a fairly impressive amount of money that could clearly be spent with much greater benefit, - he is outraged.

It is easy to see that this news is fake. It is enough to go to the Sberbank website and check what fees the bank charges from its cardholders - debit and credit.

Debit cards

Visa Classic / MasterCard Standard debit card rates include a range of fees. So, is it true that the owners of green debit plastic must pay a commission for withdrawing cash from Sberbank ATMs?

If you withdraw up to 150,000 rubles per day, then no commission is charged. If you need more cash, you will have to pay 0.5% of the amount that exceeds the daily limit.

A commission is also charged for withdrawing any amounts at ATMs and cash desks of third-party banks. If you want to withdraw money using a Sber card at someone else's ATM, then the commission will be 1%, but not less than 100 rubles. If at the box office - 1%, but not less than 150 rubles. If you withdraw cash at a Sberbank ATM from cards of other banks, you will have to pay 1% of the amount, and if through the cash desk - 4%.

If you suddenly need to find out the balance of the card through an ATM of a third-party bank, you will have to pay 15 rubles for one request. The same is the cost of obtaining an account statement (the last 10 transactions are displayed).

The principle "where the card was opened, go there" overtakes the card customers of Sberbank. To deposit money into a card account in another territorial bank, you will have to pay 1.25% of the amount. True, the amount of payment is limited: a minimum of 30 rubles, a maximum of 1 thousand. Sberbank also charges a commission for non-cash payments for certain services. For example, for paying a traffic police fine on a card through its own ATM, Sberbank takes 2% of the amount. Moreover, the minimum payment is 20 rubles. This applies to all Visa, MasterCard, Maestro, Visa Electron and MIR card products.

Credit cards

On credit cards, the bank will charge the client for cash withdrawal Money in a subsidiary bank 3% of the amount, but not less than 390 rubles (excluding the commission charged by a subsidiary bank in the near or far abroad).

If the client wants to withdraw money from someone else's ATM, then he will have to pay 4% of the amount, but not less than 390 rubles (excluding the commission charged by a financial institution for issuing cash on a card). The bank charges a fee for emergency cash withdrawals, which can reach six thousand rubles. for the operation.

The amount of one emergency cash withdrawal operation cannot exceed the amount of available funds on the card and be more than $5,000 or its equivalent in another currency.

The bank will withdraw money from the owner of the credit card if he asks for information about the available spending limit on the card at ATMs of other banks - 15 rubles. per request. Obtaining an extract from ATMs of the bank itself (the last 10 bank card transactions) is also not free - it will cost 15 rubles.

Bank customers should carefully read the current tariffs for cards so as not to lose some amount of money, albeit a very small one, when withdrawing cash.

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