Some people about to get bank card do not even know, for example, how a debit card differs from a credit card. In addition, before proceeding with the main procedure, they should find out which financial institution is better, where exactly they should apply in order to make a good deal. This article provides various helpful information concerning DC, their design and use.

What it is

A debit card is a payment instrument that replaces cash when paying for various goods and services. Funds are put on it by the owner himself, his employer or third parties who carry out the transfer. Taking a loan from a bank, as is the case with a credit card, in this case will not succeed.

In essence, the Premium card of the Moscow Credit Bank is a person's wallet, where his money lies. Simply, when paying for something, he does not take out paper bills, but makes a payment using a terminal.

The advantageous difference from credit cards is the absence of the need to pay interest and regularly repay the debt.

Order plastic can individual presenting their own passport. Income and solvency certificates are not required.

Registration

How can I get a Premium card of the Moscow Credit Bank:

• come to the bank branch;
• perform the necessary actions online.

In the first case, the applicant takes a passport with him. Age limit - from 14 years. After submitting a request, you need to wait for the release of plastic within two weeks.

An online application is submitted in a few minutes. It is more convenient than going to the bank and standing in lines. As soon as the form is sent, an employee will call the applicant to clarify the details of the transaction.

Differences from other products

DC is one of the main instruments in the financial world, replacing cash. Why is he so good:

• making various purchases in places where cards are accepted. No more need to carry a wallet with you;
• purchase of goods on the Internet (even on foreign portals);
• cash withdrawal from an ATM, if needed;
• payment for housing and communal services via the Internet and terminals;
• no worries about a large amount in your pocket or bag. Even if the attacker steals the card, he will not be able to use the funds;
• if the plastic is lost, the holder does not lose money;
• theft insurance.

When choosing the ideal product that fully meets the needs of the client, the site site will come to the rescue. Our visitors spend only a few minutes searching for a suitable payment instrument, no more. They just need to enter data into the filter, make quick calculations on the calculator, and the Premium card, according to the conditions optimal for them, will be displayed on the screen.

Or VISA Classic for 1250 rubles. in year.

As it became known to all holders of plastic cards of the Moscow Credit Bank, from July 8, 2014, SMS-informing about the transactions carried out became paid: 50 rub. / $1.5 / 1EUR per month.

This commission affected all cards - both primary and secondary, and is debited from own funds or on credit.

Exception: SMS notification remains free for holders Visa cards Infinite, "Bright People" prepaid cards, as well as unnamed and virtual cards to loans and deposits.

Before this unpleasant innovation came into force, the MKB sent out an SMS warning to its customers. For which many thanks.

On the website of the bank itself at http://mkb.ru/smsinfo, along with the above information, there is a tearful appeal from Yuri Grigorenko, First Vice President of the Directorate of Retail Products and Technologies of the MKB:

“Caring about the convenience of our customers, for a long time we provided the service of SMS-notification of card transactions free of charge. Due to the multiple increase in the cost of SMS messages from the Big Three operators, we are forced to introduce a fee for the SMS notification service to compensate for the costs of sending SMS messages. Our clients can still monitor the status of their accounts and the number of transactions free of charge in the MKB Online Internet bank, the MKB Mobile application, as well as in monthly account statements. In the next few months, we will be implementing a free online transaction notification service in mobile application"MKB Mobile", which in terms of functionality will not be inferior to the existing SMS notification service. At the moment, the service of SMS-informing on the main cards remains free of charge for holders of salary cards, as well as MasterCard cards Unembossed and Visa Classic Non-Personalised, issued by clients for servicing deposits and loans.

It sounds, of course, touching, but ... let's understand the current situation better.

Firstly, yes, indeed, due to the ostentatious “fight against SMS spam” in our country, the prices of various services specializing in SMS mailings have recently increased. Spam at the same time as it was, so, of course, remained. However, all large banks (and the Moscow credit bank this is one of them) still provide SMS notifications about payments for free, because this is the minimum required level of service, without which it is simply inconvenient for customers to use a number of services. This is the problem of banks, and, believe me, they can afford to solve it. Otherwise, there are deep doubts about How well is the bank doing? and how much you can trust him.

It is difficult to find a person who has not used a bank card at least once in his life. It can be either a credit card for making purchases or a regular one. debit card to receive wages.

Through plastic card it is so easy to pay for goods or services, top up your phone account, pay for the Internet or make transfers to other users.

But in order to be able to freely conduct such transactions, you need to be aware of how to find out the balance of an MKB bank card.

It is control over personal finances that will allow you to spend wisely family budget that will give confidence in the future. Banking institutions are simplifying the process of checking balances by developing new ways to get information about personal finances.

This is primarily due to customer focus, in addition, it ensures accurate settlements between customers and the banking organization. The better the borrower is informed, the lower the likelihood that he will delay or not pay the debt at all.

How can I find out the latest information about my balance?

There are several options, each client has the right to choose the most suitable one, depending on their preferences:

• a traditional appeal to a bank branch, where you can not only find out how much is left in the account, but also get an official account statement. The information will be available to the cardholder within a couple of minutes from the moment of contact;
• using an ATM or terminal. Of the advantages of the method is the round-the-clock operation of such self-service devices, so you can always be aware of the balance on the card;
• there are other ways to find out the balance of the MKB card, for example, mobile or Internet banking. Also, the user can activate the SMS informing service and receive notifications to his mobile number about each operation performed.

Use of terminals and ATMs for this purpose

This option on how to check the balance of an ICD card is as easy to use as possible. The card is sent to the receiver of the device, then you need to enter the pin code on the keyboard. In the menu, select the “View balance” option, after which the current balance for today will be displayed on the screen. If necessary, information can be printed on the check.

Due to the fact that there are a lot of ATMs on the streets, they can be easily found in outlets and entertainment centers, they have almost round-the-clock access. All this will allow you to find the nearest ATM within walking distance and not spend a lot of time checking.

You can find out the current location of self-service points and bank offices if you go to the official website of the ICB and view the map of the desired city. Just go to the "ATMs and terminals" tab.

The best option is to perform the check directly at the "native" ATMs of the network, but if it is not possible to do this, any other third-party ATM will do. financial organization. In this case, a fee is charged for fulfilling the request in the manner established by this organization.

Remote verification methods: SMS and Internet

In order to win the trust of its clients, MKB offers them a number of other, simplified options for obtaining up-to-date balance information. For example, you can find out the balance of the MKB card via SMS.

Due to the fact that a mobile bank in its usual sense does not exist here, customers have to use its more simplified version - SMS informing.

The option must be activated in advance. You can do this either at the time of receiving the plastic at the bank branch or perform activation remotely, through Personal Area. Its cost is 60 rubles per month, for its money, the cardholder receives an instant notification about each transaction made on the account.

For similar purposes, an automated ICD-online system was created, giving access to managing finances, deposits and cards from anywhere in the world. To activate the option, you need to follow the algorithm of actions:

1. choose a suitable package of services (they differ in functionality and, accordingly, in cost per month);
2. fill in an application for activation of the package at the nearest branch of the bank, indicating personal data in it;
3. upon receipt of the card, receive a form with one-time passwords, which will be used in the future to securely enter the office. This whole process is free.

To check the balance of the MKB card via the Internet, simply log into your personal account using your login and password, select "Services" and "bank cards" if there are several of them in the list. The screen will show the balance at the time of contact.

Check out the offers of banks

Card with cashback in Rosbank

Issue a card

More about the map

• Cashback up to 7% - for selected categories;
• Cashback 1% - for all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking - free of charge;
• Mobile bank- for free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

Issue a card

More about the map

• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Internet banking - free of charge;
• Mobile banking is free.

Card from Vostochny Bank

Issue a card

More about the map

• Up to 7% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card service - free of charge;
• Internet banking - free of charge;
• Mobile banking is free.

Card from Home Credit Bank

Issue a card

More about the map

• Up to 10% cashback from partners;
• Up to 7% per annum on the account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free internet banking;
• Free mobile banking.

Debit card from Alfa Bank

Bank cards have long become an integral part of the life of the majority of the country's population. It is possible to track the movement and the balance on them different ways holder choice. The article will focus on options for checking the balance of the card of the Moscow Credit Bank.

Depending on preferences, customers choose the following options for checking the balance on the card:

1. The traditional way is to visit the bank office. The client provides the operating officer with a card and a passport. Within 1-2 minutes, information about the available and total balance is reported to the cardholder.
2. At or an ATM of a credit institution.

• The card must be sent to the receiver of the device and dialed.
• Next, select the “Balance request” option in the menu and print a check with the balance on the card for the current date. You can inquire about the balance from the device screen.

Due to the placement of a large number of terminals on the streets, in retail outlets, cafes, entertainment centers, access to them is possible around the clock and within walking distance from the client's place of residence. The location of the devices is available on the ICB website in the "Terminals" and "ATMs" tabs.

To attract customers and win their trust, the MKB simplifies banking procedures, including ways to track the balance. Now it is not at all necessary to look for a terminal or an ATM of a credit institution in order to check the balance on the card.

For customers who prefer to make banking transactions on the Internet, it is possible to check the balance without leaving their home or office. Mobile versions of the bank's online services are considered convenient. SMS-bank makes it possible to receive information about the balance of funds on the card online.

The "Mobile Bank" service in the broadest sense is not available in the ICB. Clients use a simplified form - SMS service. This option involves informing cardholders about all transactions made on them, including indicating the balance. Prompt messaging significantly increases the security of using bank cards.

Immediately after making a cash or non-cash transaction, an SMS is sent to the client's phone with the amount of the transaction and the balance on the card. The informing service is paid. Its cost is 60 rubles. per month. You can activate the service at a bank branch or in MKB Online.

Automated system"MKB-online" was created for the possibility of remote access of customers to accounts, deposits and cards. The Internet service is available from anywhere in the world.

To connect you need:

• choose a package of services;
• fill out an application form for connection at any branch of the bank;
• upon registration, receive a card with digital one-time passwords for transactions and a notification of user registration in the system.

Registration and information in