Russians have become more and more interested in debit cards with the option “accrual%% on the balance of funds”. Experts attribute this to people's doubts about their own financial stability. A person can this moment be extra money, but due economic changes they may suddenly be needed. "Cumulative debits" make it possible at any moment to use the means located on the plastic.

Until recently, debit cards with the accumulation of interest on the balance of their funds were not widely used in the Russian banking market and were mainly a marketing ploy of several banks. You can mention "Russian Standard" with its "Bank in your pocket" card, TCS Bank with a "Tinkoff Black" card, AimaniBank with an "iAutopiggy bank" card, Contact Bank and "Profitable card".

Initially, such debits were considered by credit institutions mainly as an additional source of raising liabilities and a specific marketing tool for a certain group of clients who are ready to keep their savings in banks in the future, but have not yet matured to “full-fledged” deposits. Such clients, for example, include young people who already have funds, but, wanting to get everything at once, prone to irrational, according to the older generation, expenses.

“Debit cards with interest on cash balances attract certain customer segments. For example, “salary workers” who are not ready to make deposits, but have the opportunity to save money in some periods. For them, the presence of such plastic is a convenient tool,” said Susanna Uzunyan, who heads the unit for developing and improving banking products at Uniastrum Bank. Uniastrum offers a similar debit in its traditional version.

« Income cards are intended for people who want to save and want to earn money on savings placed in a credit institution,” comments Alexander Borodkin, who oversees the plastic card industry at VTB24. - Let's say a person suddenly has some small "unnecessary" money. But he does not know when he will need them. situation of uncertainty. As a result, the client does not accumulate funds on this card for the most part, but stores it. And in any case, this is a source of formation of liabilities for the bank.”

Daria Yermolina, who heads the PR department of TCS Bank, noted that such a card differs from an expense-replenished deposit in that the funds on it are available to a person for the necessary transactions at any time. “The rates are almost always lower than for a term deposit,” says Ms. Yermolina. - On the deposit, interest is fixed for the entire period, and on debit plastic or savings accounts, it can be changed in accordance with the contractual terms (in our case - with a month's notice). There are no restrictions on the terms of withdrawal and replenishment of funds on the card.

« Debit card with accrual on the balance percent is a tool to attract customers and their money, and also serves to increase the loyalty of existing customers, - sums up Marina Verbitskaya, expert of the Banki.ru resource. “For a person, such a product is primarily a means of payment, and only secondarily a means of accumulation.”

Ms. Yermolina is optimistic about the prospects of the described cards: “If we look more broadly and take into account remote service (including mobile bank ing, internet banking, call center), then income card provides a convenient package of tools for the modern consumer, necessary in everyday life.

Controversial Alternative

However, Ms. Uzunyan is sure that the emphasis on this product financial organization not worth doing. “The main ways to attract liabilities, of course, should be deposits,” the expert believes. - At the same time, a profitable card is unlikely to be able to compete with a bank deposit. At least for the reason that the interest on it is usually less.

According to Ms. Uzunyan's experience, debit cards with accrual of income on the balance of own money are an additional method for attracting liabilities for a credit institution and a marketing tool aimed at increasing customer loyalty.

“The reason for the non-competitiveness of the debit in relation to the deposit is the lower rates. In addition, there is no guarantee that the amount of the bet that is charged on the cash balance will be saved. When opening a bank account using such a card (in classic version), - says Mrs. Verbitskaya, - bankers do not guarantee that the initially set rate will not be lowered in the near future.

As Mrs. Verbitskaya noted, here we should not forget about the psychological factor. “A card with some amount is always at hand, there is a great temptation to spend these funds. As a store of value, the deposit definitely wins,” she concludes.

An alternative to a deposit, yes, it is doubtful. But many bankers agree that the current economic situation (the weakness of the ruble, rumors of large layoffs at large enterprises, including state-owned ones, etc.) does not give many Russians confidence in the stability of their income. In other words, that they will be able to increase their savings on deposits.

It is possible that the following model of people's financial behavior will become widespread: people will send part of their free money to a deposit account, and part to a savings debit, so that, if something happens, they can instantly and conveniently (even remotely) use their money stored on the card. money.

Is it possible to force money"work" to myself? Can. The most famous way of passive income is receiving interest on deposits. The point is simple: free cash placed in the bank for a specified period.

After the end of the set time, the client receives back the money, and the interest specified in the contract. AT recent times An alternative product to a deposit – income cards – has become very popular.

Income card in appearance is no different from ordinary plastic debit cards. However, it has one distinctive feature. The owner of such a card earns on interest accrued based on the balance of funds on the card.

Income cards are of two types:

1. Sub-limit - the bank charges interest if the balance on the card exceeds the limit specified in the agreement. Usually it is 10-15 thousand rubles.
2. Unlimited - interest is charged on any balance, even if it is 100 rubles.

One of the subspecies of profitable products is a credit card with a cash-back function. The owners of these credit cards are returned a small percentage of each purchase paid for by the card.

Both the deposit and the income card are very popular banking products that generate income for their users. Both products have both advantages and disadvantages:

Offers for income cards change almost every year: rates increase and decrease, minimum balance, as well as commissions for use. Advantageous offers in 2014 are presented below:

To determine how profitable it is to use an income card instead of a regular debit card, you can use the "Yield Calculator" on the website http://creditbanking.ru

Income card Promsvyazbank Standart - 4.5% per annum on the balance of funds over 15,000 rubles daily;

The holder's salary is 40,000 rubles per month;

Daily spending - 800 rubles.

If the bank card holder did not allow the limit to be reduced, then he will earn 4,650 rubles a year. The amount should be subtracted from the annual maintenance - 600 rubles. Thus, the client's net income when using the card is 4,050 rubles per year, or 10% of the monthly salary. If the client has activated the SMS informing service, the net income is reduced by another 270 rubles, and will eventually amount to 3,780 rubles.

To receive an income card, the client must perform the following steps:

1. Select a bank and type of income card.
2. Come to the nearest branch with a passport and write an application in the prescribed form. The application itself is filled out by the bank operator, the client is only required to verify the entered data and sign in the indicated places.
3. Get a map. The term of production of the income card is 3-4 weeks. By this time, the finished card will be in the department where the application was submitted. After presenting your passport, the operator will give you a card and an envelope with codes.
4. Activate the card and connect the mobile bank. This can be done both at home on your own, and at the bank, with the assistance of a consultant.

After activating the card, it needs to be replenished. On the sub-limit card, you need to deposit the amount of the minimum balance specified in the agreement (10-15 thousand rubles). For unlimited, you can limit yourself to the size of the commission for annual maintenance.

In order for the card to start working and generate income, it must be replenished. There are several options for replenishing the balance:

• deposit available funds to the card through an ATM or cash desk,
• write an application in your accounting department with a request to transfer salaries using new details.

1. Keep all free funds on an income card - you can withdraw them at any time, but it is better that interest is accrued for each day the money is in the account
2. Try not to spend funds from an income card in excess of the limit balance. If at least one day the balance on the card is below the minimum, then interest for the month will not be charged.
3. When choosing a card with interest, check the annual service fees and SMS informing. Often, they are an order of magnitude higher than when using conventional debit cards. Profitable will be considered cards, the income on which exceeds the cost of service.
4. Income cards can be used to pay for any purchases, while it is not recommended to withdraw funds from them, since many banks set commissions for cash transactions.

Sberbank deposit card is a regular debit card linked to a deposit account. It can be used for shopping in stores, withdrawing cash, managing accounts, and making payments and transfers in the Sberbank-online system via the Internet. For these purposes, a simple social, salary, pension or any debit, or specially designed a plastic card.

What is a Sberbank deposit card

In fact, Sberbank does not have such a separate product. In fact, a deposit is a savings deposit, an analogue of a usual account, "tied" to a savings book. Instead of a savings book, a debit card is issued, which is often called a "deposit card". “Linking” a deposit account to a card can be carried out according to two schemes:

1. When making a deposit, the agreement separately states that the interest accrued on the principal amount will be transferred to the account debit card already owned by the client.
2. To receive interest on a deposit, a debit card is issued specially - any.

In the first case, it is more expedient for pensioners to use their "Social card", to which the pension is transferred - 3.5% is charged on the balance of funds. It is also beneficial to use Youth card 14+” and “Youth card 18+”. Sberbank offers young people special conditions: a return to the card up to 10% of the purchase amount.

When deciding to issue a separate “deposit” card to receive interest accrued on the deposit amount, it should be taken into account that on the day of application, only Momentum Visa Electron / MasterCard Maestro cards can be received. Their functionality is quite enough for shopping in stores, paying utility bills, but only in Russia. It is also not always possible to pay for purchases over the Internet with them. Registration of personal cards with advanced features will take about 30 days from the date of application.

In addition to the two options, when the amount of interest will be transferred to the "deposit" card automatically, without the participation of the client, there is a third option. Through Internet banking, the “Manage Online @ yn” deposit is drawn up and the required amounts are withdrawn from it in the personal account of Sberbank-online. If you have any Sberbank card on hand, you can do without a personal visit to the Sberbank office. All consultations, if necessary, can be obtained by phone listed on the Sberbank website or ask a question at official communities social networks: Odnoklassniki, Facebook, VKontakte, Twitter.

When you need a Sberbank deposit card

Only interest amounts can be automatically transferred to a deposit card. To access the rest of the amount, you need to visit the Sberbank office or use the possibilities of Internet banking. The card is required to gain access to Personal Area Sberbank-online. Having received a login and password at an ATM, the client can “see” his deposit and the history of operations on it on any of the 365 days around the clock.

You should specially visit the office if you want to allocate income from the deposit separately - the Sberbank deposit card will be used to ensure control of the family budget. Sberbank provides its clients with the opportunity to see any movement of funds in a deposit account: the receipt of the next installment, the amount of accrued interest and the amount of the balance. To enter your personal account, it is not necessary to have a PC or a modern phone at home. It is enough to go with a plastic card to any ATM.

Which deposit can be linked to a deposit card

To anyone whose contract provides for the withdrawal of accrued interest and the use of part of the funds without loss of interest. At Sberbank, deposit cards can currently be issued for the following deposits with monthly interest accrual:

In other cases, any card only gives you the opportunity to track the history of transactions.

Choice of deposit

Sberbank offers a wide range of deposits in rubles, US dollars, euros and other world currencies. The profitability of the deposit is directly proportional to the amount and term of the deposit. When choosing, you need to pay attention to the following points:

• currency and deposit amount;
• term;
• the possibility of replenishment;
• the possibility of withdrawing interest;
• the possibility of partial withdrawal of funds without loss of interest.
• the amount of interest, the terms of their accrual - monthly, at the end of the term, capitalization;
• the possibility of prolongation (extension);

Some types of deposits can be made online on the personal page of the Sberbank website.

Choice of deposit card

The conditions of the deposit and the planned direction of using the card are taken into account: purchases in stores or via the Internet, payments (utility, telephone, education), travel. Then the conditions of the card are studied:

• card issuance term - at the time of application or in a few days;
• the cost of annual maintenance;
• the possibility of receiving salaries, scholarships, pensions on the card;
• the possibility of withdrawing cash from ATMs of other Russian banks, as well as from ATMs abroad;
• the ability to link the card to electronic wallets;
• cash withdrawal limits;
• the presence of an overdraft - you should carefully study the interest rates for exceeding the limit;
• availability of discount and bonus programs;
• list of allowed operations;
• the possibility of registration additional card- for a relative or child.

Sberbank offers deposit cards with special conditions for young people, pensioners, children, lovers of travel and shopping. Ample opportunities are offered by platinum, gold, premium cards.

Before entrusting money to the appropriate institution, customers are interested in what types of Sberbank card accounts are. For the convenience of managing their money, the bank offers users to create various accounts. There are several signs that allow them to be classified in one category or another.

Current account

The current one is available to any citizen who has reached the age of 18 ( individual), a government non-profit organization. It is opened for individual needs not related to making a profit. Used for certain banking operations:

• payment of salaries and pensions;
• payment of insurance and social charges (alimony, allowances);
• the purchase of a card linked to the account, and, consequently, the possibility of paying for purchases;
• cash withdrawal;
• sending money transfers.

The convenience of a current account is that the client of the bank has quick access to his funds. Organizations use it as a storage that is always available. It is used when large sums are calculated, for example, when buying real estate, a car. Interest is not charged on the balance of the money supply. Replenishment is made through orders or cash desk of the Savings Bank. It is opened in rubles or, if necessary, in another currency. There is no payment for its use.

Every kind bank account designed for a specific purpose

Deposit account

Serves for temporary savings of money supply. An agreement is concluded between the client and the bank, which specifies the name of the account, for what period of time the funds are credited, at what percentage. The institution undertakes to return the deposited money and pay the agreed interest after the expiration of the specified period. A deposit is a type of passive income, an investment with little risk. The interest rate increases as the deposit period increases.

The deposit is divided into:

1. Urgent. When the deposit is opened for a long time (from 1 year). The customer can withdraw the savings only after this time has elapsed.
2. Poste restante. In this case, the time for which the deposit is opened is not defined. The depositor can withdraw his savings at any agreed time. Therefore, the interest rate is assumed to be low.

Deposits do not bring large profits, but they allow you to survive inflation without significant losses. If necessary, the client can withdraw his money before the end of the contract, but at the same time he loses part of the interest or pays a fine.

Checking account

It is opened by an organization or an individual entrepreneur for cashless payments. Designed for:

• transfer of income from the sale of goods by the company, the performance of work;
• settlements with suppliers;
• purchasing a bank loan;
• payment of payments.

Funds are paid in cash and non-cash form.

Card account

A card type of account is when a bank client can withdraw his funds without contacting an operator. It is tied to an already valid card - debit or credit. The number on the card does not match the account number. Its owner can pay for purchases via the Internet, pay utility bills, and make transfers.

Sberbank payroll account

Each employee receiving a salary is provided with the details of his account. The card has a 16-digit number, which is visible on the front side, is used to work with funds through bank terminals, mobile banking, online. Finding out what type of salary card account is not difficult. Personal (current) - an account to which a salary card is “linked”.

Settlement - opens to a legal entity. If necessary, it can be opened to an employee who needs to spend company funds, for example, on car maintenance or advertising.

Multiple cards can be attached to a personal account.

If it is lost, has become unusable, another one is issued, while the personal account remains the same, and the funds are safe.

When dismissed from work, the need for a card is lost and it can be closed. To do this, you need to come to any branch of Sberbank, write an application for closure. The card is destroyed, the remaining funds are withdrawn or transferred to another account.

Deposit account involves receiving passive income

Difference between current and deposit account

The difference is in the tasks they perform. The presence of the first allows you to transfer and quickly withdraw funds. But the possession of this account does not bring profit. The second is not intended for purchases and settlements, it allows you to save money for a certain period with interest. Quick access of the depositor to his money is not provided.

Issues of opening and servicing accounts are regulated by the Civil Code of the Russian Federation. It legally stipulates the cooperation of a financial institution and its client at the opening, and an agreement is necessarily concluded.

Following the opening of a current account, the financial institution has obligations to the depositor for the smooth execution of settlement transactions. The subject, having issued an account in his name, has the right to put money on it in any amount, to control the expense. The bank executes payment orders within 24 hours. This is an indispensable element of the workflow; without it, entrepreneurial activity is impossible (receipt of revenue, settlements with third parties).

When making a deposit, the client entrusts the bank with a specified amount. The difference between a current account and a deposit account is that in the first case, the financial institution can dispose of the funds in its own way, and in the second case, the deposit is transferred or withdrawn at the end of the time established by the agreement and the fulfillment of special conditions.

Features of deposit programs

The interaction between the organization and the contributor is based on the following principles:

• the client pays the amount specified in the contract;
• the financial institution during the term of the contract uses finance for its own purposes, for this possibility of using money the bank charges interest to the depositor;
• at the end of the deposit period, the client is returned the entire amount invested by him plus accrued interest.

Sberbank has long established itself as a reliable organization. Therefore, many depositors choose it to open deposit or current accounts. At present, the bank offers several programs for saving deposits:

1. "Save"- 9% per annum. Replenishment of funds is not expected, but it is possible to close it ahead of schedule.
2. "Keep your pension"- Designed for retirees.
3. "Replenish"– 8% per annum, replenishment of funds is provided.

Other deposits, such as "Multicurrency", "International", "Manage", allow partial withdrawals. Operations on deposit accounts are usually displayed in a passbook, which also contains data on the depositor, financial institution, deposit (amount, percentage, period), movement of the money supply.

But in recent years, the issuance of passbooks has significantly decreased. They were replaced by Maestro cards. But many, mostly people of retirement age, continue to use books, because it is easier for them to understand the process of working with money. The book is perceived by them as a genuine evidence of the presence of their funds in the bank. Young people, on the contrary, use mostly plastic cards. It is not difficult for them to answer the questions: “What is a Sberbank card? Is this a checking account or a deposit account? The passbook seems to them a relic of the past.

Card accounts can be debit or credit

Debit and credit cards

To facilitate the process of withdrawing money from the account, a plastic card is attached to it. Debit makes it possible to withdraw wages or other income transferred by the employer. Also, with the help of this card, purchases are paid by bank transfer. Withdrawal is possible only for the amount fixed on the card, unless you activate the overdraft service.

A credit card is a key to an account, an opportunity provided by the bank to use borrowed money within the proposed limit. The borrower draws up an agreement once and uses the funds again and again, as the principal debt is repaid. Credit cards are very popular abroad, and recently in Russia. They will help out when you need urgent money, but their minus is in a high interest rate.

A plastic bank card allows the client to carry out the following monetary transactions without standing in long lines:

• withdraw funds through a bank terminal;
• replenish accounts;
• convert currency;
• pay utility bills;
• pay for purchases;
• control expenses through online banking.

Each account is assigned an individual number that does not match the card number. There is a fee for card service. A card is a means of access to an account that contains funds. If it is no longer needed, the account is closed. To do this, you need to contact the bank and write an application.

Thus, understanding the types of accounts is not difficult. And the differences between current and deposit are quite obvious. Not everyone has a deposit, but the current one is used everywhere, especially the plastic card attached to it. This is a modern reality that makes the implementation of banking operations more favorable, expanding the potential for managing your money.

The card account is…

• One of the types of bank accounts, the money on which can be disposed of using a card. Funds are credited to a plastic card, after which they are available to the owner for spending (shopping in stores, withdrawing cash, and so on).
• Current account with the only difference that the client is provided with a plastic card. With its help, the owner gets round-the-clock access to money (thanks to terminals, ATMs, the ability to make payments via the Internet and at retail outlets).

Types and features

Bank card account is of two types :

• Debit. Receiving such a "plastic" allows the owner to withdraw funds through ATMs (terminals), make payments and other transactions within the amount available on a special card account. It is these cards that are used to accrue salaries, pensions, social and other payments on them.
• Credit. When registering the service, the client is provided with a limit within which payment can be made in excess of the funds available on the account. The size of the restriction is negotiated at the time of execution of the agreement between the bank and the client.

There are several types of cards.:

• Mass class.
• Intermediate level.
• Elite option.

They differ from each other in the level of protection, price and volume of services provided.

Bank card account attracts customers with ease of registration and high speed of card issuance. There are a few things to consider when signing up for a service:

• Possibility of withdrawal/replenishment.
• Commission size.
• Availability of money outside the territory of the Russian Federation.
• Provision of additional services.
• Account registration (maintenance) costs.

As a rule, bank card accounts allow you to use funds abroad. All that is required is to submit a certificate from a financial institution on the existence of an account, as well as balances on it, when applying for a visa.

Card account: characteristics and advantages

The main characteristics of a bank card account include:

• Ability to link multiple cards to one account. Additional "plastic" can be transferred to one of the family members for later use. Money, for example, is received by a man, and children, wife, parents or other family members use it.

• Card account for legal entities(corporate cards) has similar features. Each employee has his own “plastic” with certain spending limits. A company can only have one account.

• The presence of a certain limit (from one to three years). After the expiration of the term, you can issue another card. In this case, the card account number will change, but the bank account number will not.

pros:

• No need to personally visit the bank.
• Ability to use funds anywhere in the world.
• Ease of opening.

Minuses:

• Rigid rates.
• Security claims.
• There are restrictions on use.

How to open a card account?

You can set up a banking service like this:

• Come to a banking institution or apply online.
• Submit paperwork.
• Get a card after user identification.

If you need to open a credit card account, you can not do without a certificate of income. Additional information will also be required - family composition, education, additional income and others.

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