The convenience of using a bank card is difficult to overestimate - with its help you can not only receive cash from an ATM, but also pay for purchases in stores and on the Internet. There are different types of bank cards, so the choice should be approached with knowledge of the matter.
Instructions
Step 1
First, decide which card you need - credit or debit. The first one allows you to make purchases for a certain amount even if there are no funds on the card. After making a purchase, you will have to replenish your bank account within the agreed period and return the amount borrowed from the bank. The disadvantage of a credit card is that you pay interest on the loan. If you delay the return, penalties may follow, and in the end you will have to return much more than you borrowed from the bank. Debit cards are much simpler and safer in this regard - you can only operate with the amount that you have in your account.
Step 2
Select the type of Visa card. They differ in performance, cost of service and the capabilities provided to their owners. The simplest card is Visa Electron. The digits of the card number and other data on it are not embossed, this limits the possibilities of using the card in some types of terminals. But the card works great in ordinary ATMs, so it is very widespread. The cost of its annual maintenance is about 300 rubles per year (for Sberbank). More expensive cards are Visa Classic, Visa Gold, Visa Platinum, the cost of servicing them reaches 1000 rubles per year or more.
Step 3
After choosing the type of card, decide on the card issuing bank. The availability of the bank's ATMs is of primary importance. When you withdraw cash from an ATM of "your" bank, you will not be charged any commission. But if you use an ATM of another bank, then you will pay a certain commission for the operation, usually an amount of about 100 rubles. One of the most common are Sberbank ATMs, so a bank card of this particular bank may be the most convenient.
Step 4
To obtain a card, contact any branch of Sberbank (or the bank that you have chosen). Provide the type of card you need - credit or debit - and its specific option. The bank employee will write down your passport details, phone number and tell you when you should come for the card. You will be immediately charged the cost of the first year of card service. Usually the card is produced within one to two weeks.
Step 5
When receiving the card, be sure to activate the Mobile Banking service. This is very convenient, as it will allow you to always be aware of all operations on your card. Through your phone, you will also receive one-time passwords for making purchases on the Internet. The Mobile Bank service significantly increases the security of using the card.
