Unlike credit cards, debit cards (which hold only a citizen's personal money and do not provide borrowed funds) are not a product willingly sent by banks by mail. The fact is that it is not as profitable for banks as it is for credit cards. And yet, you can find a few banks that agree to send a debit card by mail, rather than torment the client in their offices.
General information
Most modern Russian banks provide an opportunity for their client to order a debit card by phone or from their official website, however, to receive the card itself, the client, as a rule, still has to go to the nearest bank branch.
However, there are several banks in Russia that are ready to deliver a good debit card to a customer by mail.
Tinkoff. Credit systems
In addition to its main product - credit cards, Tinkoff Bank also issues debit cards. So the debit card "Tinkoff Black" can be delivered by mail to any region of Russia. This product is very attractive for its capabilities: the bank promises up to 8% per annum on the balance on the card, you can cash out money from 3000 rubles without commissions through ATMs of any bank, there is also a refund of part of the money for any purchases.
Depending on the conditions of the bank, the percentage of money returned to the cardholder for purchases ranges from 1% to 30%.
If there is a deposit on the "Tinkoff Black" card of 30,000 rubles or more, the service of the card is free of charge (otherwise 99 rubles will be charged per month).
Oceanbank
Okeanbank's Visa debit card can also be delivered to the client by mail. The card provides an opportunity to pay for mobile communications, internet, television and other services without commissions. You can also transfer electronic money to the card with a minimum commission - Oceanbank works with all leading payment systems online.
QIWI Bank
CJSC "Qiwi Bank" presents an opportunity for customers of its Qiwi payment system to receive a debit card by mail. Creation and sending of a plastic card valid for 1 year will cost only 100 rubles, which must be present on the user's electronic account in advance. Qiwi Visa Plastic allows its owner worldwide to pay commission-free in store
The commission is charged only for payments in foreign stores in rubles and is 2.5%
as well as cash out money from the card at any ATM. Moreover, the amount on the card is always equal to the amount in the wallet. The card can be instantly replenished from almost any terminal on the territory of Russia, knowing only the phone number of its owner. A special feature of the card is that the name and surname of the owner are not indicated on it; however, this should not cause problems when making payments.
The QIWI Visa plastic card belongs to the Visa Instant Issue type of cards of the international payment system Visa, which are non-personalized, i.e. without specifying the name of the holder.
Yandex money
With the support of the aforementioned Tinkoff Bank and the MasterCard payment system, Yandex issues its bank card valid for 3 years and provides users with the opportunity to receive it by mail. The cost of manufacturing and shipping is 149 rubles to any city in Russia. Product service is free. This card is not linked to a bank account, but to an electronic wallet in the Yandex. Money system. Therefore, the amount on the card is always equal to the amount in the wallet. The features that will interest the user are as follows: the card is premium, of the Gold category (this means that its owner can enjoy additional privileges); in addition, the card uses Pay Pass technology, which allows one-touch payments to be made at merchants where this service is provided. Also, when using a banking product from Yandex, there is no commission for replenishing a card or making non-cash payments. The commission for cash withdrawals is 3% of the withdrawal amount plus 15 rubles, but not less than 100 rubles.
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This product is similar to Yandex money (apparently because it is also supported by Tinkoff and MasterCard). But there are some exceptions. For example, the service of the card is also free, but only if it is actively used; in the absence of card transactions, a fee of 350 rubles will be charged per year. Production and delivery of the card is 139 rubles to any city in the Russian Federation.
