MTS bank debit cards

MTS Bank, reorganized in 2012 from the Moscow Bank for Reconstruction and Development, is today among the TOP 50 private Russian banks.

Over 4 years of independent operation, the institution has attracted over 1 million clients, the majority of whom are depositors and holders of debit and credit cards.

It is MTS Bank debit cards that are considered the most popular product, since they are an analogue of a time deposit and allow you to receive interest on the balance in the account.

Types of cards, advantages

MTS Bank today issues 2 types of debit plastic cards:

  • “gold” (Gold) MasterCard and VISA systems;
  • classic (Standard).

The differences between these two types of debit cards lie in the usage options. However, in both versions the cards have the following advantages:

  • the opportunity to receive up to 8% on the balance;
  • the opportunity to open a credit line of up to 40 thousand rubles;
  • registration using one document - passport;
  • bonus program;
  • opening additional cards of the same category as the main one or lower;
  • Wide range of account management options online - payment of goods, taxes, fines, utility services, replenishment, monitoring the status of the card account.

The MTS debit card allows you to carry out all main types of financial transactions - storage of funds, payments, including non-cash transfers, withdrawals from ATMs of the bank and partners, replenishment in several ways.

"MTS Money"

This card is one of the most popular today. The product is a branded “plastic” and is available in two types: with and without an open credit line. In addition, you can apply for a virtual card that:

  • . designed to pay for purchases online;
  • . represents bank details (card account number, CVC2 and others);
  • . valid for six months and issued free of charge;
  • . has a direct link to a mobile phone number.

The debit card of MTS-Money Bank, about which you can find positive reviews, is valid under the following conditions:

  • Currency is only Russian ruble.
  • Interest is charged on the balance (up to 8% per year). In this case, the balance must be at least 1 thousand rubles.
  • Issue - free of charge in MTS salons or bank branches.
  • The cost of annual maintenance is 590 rubles.
  • Cashing out the card is carried out without charging a commission. At MTS’s own ATMs, the withdrawal amount can be any, at third-party organizations - from 100 rubles.
  • Cash withdrawal limits are up to 600 thousand rubles per 30 days, both at our own and at third-party ATMs.

When connecting a credit line, the interest on the use of borrowed funds will be 23% per year, the grace period is up to 51 days, the limit is up to 40 thousand rubles.

To get one of the debit cards, you need to visit a salon or branch of MTS Bank with a passport (for a debit card) and additional documents (for connecting an overdraft) or fill out an application online on the website. The application shall indicate:

  • Full Name;
  • phone number;
  • registration address;
  • card type, etc.

The card is issued instantly, on the day the client contacts the bank branch or after visiting the branch upon prior application. When applying for a credit line, you will have to wait for a decision on issuing a loan.

Other MTS debit cards

In addition to the most popular MTS Money card, the bank offers clients other plastic options:

. "Gift" . This card operates under the following conditions: free issue, service only 50 rubles in the first year and free starting in the second year, cash out limit - 40 thousand rubles per month, payment system - MasterСard, interest is not charged on the balance. The card is issued in a gift box.

. "Student" - non-personalized debit card for student holders. Conditions: no interest on the balance, currency - ruble, service and issue - free, cashback maximum 3%, 3D secure technology for protecting financial transactions, cash withdrawal is free at your own ATMs, 1.5% at third-party ATMs. The cash withdrawal limit is 150 thousand rubles per day, 600 thousand rubles per month, both in our own and in third-party ATMs.

. "Calculation" - multi-currency (ruble, euro and dollar) debit card of the “standard”, Platinum and Gold series. Service parameters: no interest is charged on the balance, annual service - from 599 rubles, withdrawal of money - free (MTS's own ATMs), 1.5% - third-party ATMs and terminals, limits - 150 thousand rubles per day, 600 thousand rubles per month.

Requirements for the client to issue a debit card with zero credit: age from 18 years, presence of a passport and Russian citizenship.

bonus program

All cardholders can become participants in bonus programs and receive additional benefits:

  • "MTS Bonus". The program provides for receiving points to a special account when paying for your own purchases with MTS Bank debit or credit cards. Conditions: 1 point is awarded for 6 rubles spent on MTS communication services, 1 point for 30 rubles when making purchases in MTS stores, 1 point for 5 rubles when paying for TV or Internet from the MTS operator.
  • “Mobile” - return (cashback) up to 3% of the amount of non-cash turnover on the card account. The refund is credited to the holder's mobile phone account.
  • Shopping” - 3% cashback on card purchases, including online.
  • “Accumulative” option - accrual of up to 8% on the balance, connected separately.
  • “Travel” is a service for travelers that allows you to receive 1 point per 20 rubles of payment in MTS networks abroad and in Russia, as well as up to 15% on your card account balance per year.

The money on the card can be used to make automatic payments, for example, regular payments for communication services or the Internet. Wide opportunities for managing funds are provided by the mobile application and web banking from MTS.