An ordinary man in the street can get lost in all the variety of banking services. However, each person uses the services of a bank: he pays for utilities, then receives or sends money transfers. Even wages go through the bank. Long gone are the days when it was issued in the accounting department. With the development of technology, any financial transaction takes a few minutes.
It is necessary
Passport
Instructions
Step 1
Before opening a card account, decide in which bank it is better to do it and for what purpose. The Internet will help you choose a bank; there are many different banks or branches near your home. Choose a few, go to each website and view the tariffs for servicing card accounts. The presence of ATMs also plays an important role. Almost every bank has partner banks, which can be used without charging additional fees.
Step 2
When studying tariffs, you should pay attention to the commission for replenishing a card account and for withdrawing funds. In most cases, the second is not charged.
Step 3
After the bank is determined, take your identity documents, TIN and go to the bank. The bank employee will take photocopies of the documents, while the client must certify them with his signature. After that, a new counterparty is created in the bank's system.
Step 4
If you decide to issue a personalized card, then it will be possible to receive it only after a few days. It will take at least 3 days to produce a card and a PIN.
Step 5
An instant card is a plastic card that does not contain the name and surname of the holder. It is a full-fledged financial instrument and differs only externally, but such a card can be obtained within 10 minutes.
Step 6
However, there are many more varieties of plastic cards. To travel abroad, it is better to open a VIP-class card. Opening and maintaining such a card will be more expensive. But for a trip to another country, it is simply necessary, since then you will have a personal banker who will help resolve all issues with transactions at any time of the day and over the phone, regardless of the host country.
Step 7
Also, for holders of VIP cards, various discounts are provided in large stores and hotels in each country. Another indisputable plus of such a card is that interest is charged on the balance of funds on the account. The higher the class of the card, the higher the interest rate.
