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 balance of them different ways holder's choice. The article will discuss options for checking the balance of a Moscow Credit Bank card.

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

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

• The card must be sent to the device's receiver and dialed.
• Next, in the menu, select the “Balance Request” option and print a receipt with the balance on the card as of the current date. You can check your 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 can be found on the MKB website in the “Terminals” and “ATMs” tabs.

To attract customers and gain their trust, ICB simplifies banking procedures, including ways to track balances. Now it is no longer necessary to look for a terminal or ATM of a credit institution in order to check the balance on the card.

For clients who prefer to make Bank operations on the Internet, it is possible to check your balance without leaving your home or office. Mobile versions of the bank’s online services are considered convenient. SMS banking makes it possible to receive information about the balance on the card online.

The “Mobile Bank” service in its broad sense is not available in MKB. Clients use a simplified form - SMS service. This option involves informing cardholders about all transactions performed on them, including indicating the balance. Prompt delivery of messages significantly increases the security of using bank cards.

Immediately after completing a cash or non-cash transaction, the client receives an SMS with the amount of the transaction and the balance on the card. The information service is paid. Its cost is 60 rubles. per month. Activation of the service is available at a bank branch or in MKB Online.

Automated system MKB-online was created to allow clients to remotely access accounts, deposits and cards. You can use the Internet service from anywhere in the world.

To connect you need:

• select a service package;
• fill out an application form for connection at any bank branch;
• receive a card with digital numbers when registering one-time passwords to carry out transactions and notify about user registration in the system.

Registration and receiving information in

Nowadays, many people pay for purchases in stores and on the Internet using their bank card. This payment method is especially convenient if you need to top up your account mobile phone, pay for the use of various Internet services, top up your game account or pay for public utilities.

In order for the payment process to occur quickly, comfortably and without unpleasant “surprises”, it is advisable for the credit card holder to know the exact amount of money in the account. Control over your own finances is the key to success and a necessary condition for confidence and stability.

Why do banks care about us?

Various banking institutions have recently made it as easy as possible for their clients to access personal finance information.

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This is due not only to the client-oriented policy of banks, which allows them to attract greatest number users of their services.

Simple and convenient access to information about the status of your account is the key to order and accuracy of mutual settlements between the bank and the client.

The more informed the borrower, the fewer loan delays, late payments and claims from cardholders. Thus, banks are also interested in cardholders being able to independently manage their accounts.

Ways to check your bank card balance

There are several standard ways to check your credit card account. All of them are as simple as possible and do not require any deep technical knowledge.

In order for you to be able to check the status of your account at any time of the day and in any country, we recommend that you familiarize yourself with all methods. How to find out your bank credit card balance?

Video: How to find out the balance on a Sberbank card via SMS

Call the bank

The bank's hotline phone number can be found on the bank's website, or even simpler - it is usually indicated on the back of the credit card itself. Every self-respecting bank provides its clients with a free hotline service.

Usually calls are accepted around the clock, but it all depends on the rules of the institution itself.

When you dial an operator's telephone number, you will most likely be faced with the fact that you will be offered a choice of tone dialing - for each possible problem or question, you will need to press a certain number on the phone. For example: check your account - press 1, find out news - press 2, connect to an operator - press 3, etc.

To prevent fraudsters from recognizing your personal bank account balance, banks have created special protection.

Usually, before providing you with the necessary information, the operator asks for your full name, code word, or the answer to the secret question that you entered when signing up for the contract.

They may also ask for other information - account number, date of the last transaction, your passport details. If you are calling the bank for the first time, then before the call it is better to prepare for a conversation with the operator - it is advisable to have your passport and bank agreement in hand.

This way you will save time and nerves. You can also block your card over the phone in case of loss or theft.

Through the Internet

Internet banking service is provided by almost every bank. How to check your credit card balance online without leaving your home? To do this, go to your bank's website and find out all the details.

In most cases, you will have to register, enter your card number and link your account to a valid phone number. Linking to a phone number is required, since you will receive SMS verification codes for each transaction on your phone. Just follow the instructions on the bank's website.

In some cases, access to Internet banking is arranged differently; this requires a separate contract form and your visit to the bank, but this is a rather rare occurrence.

Write down and save all passwords, codes, code words and other information that is required to identify you. This will help you avoid many problems, because it is not always possible to restore access to your account instantly.

Internet banking is quite handy tool to manage your accounts. With its help, you can not only check your credit card balance online, but also find out your loan debt (if you use this banking product).

Top up your mobile account, pay for utilities and transfer money to the account of any other user in a couple of clicks, and even independently top up your virtual wallet of almost any payment system.

Using mobile SMS banking

SMS banking is a specific bank service that includes notifying the user about expenses or receipt of money on the card and allows you to check the balance via SMS. Typically, this service is arranged at the bank itself or on its website. In most cases mobile bank paid, but the monthly subscription fee for it is small.

If you need to find out the amount of money on the card, you send a certain code or set of characters to a fixed number and then receive a response message with the information you are interested in.

A list of commands for SMS banking is provided by the bank when drawing up an agreement, and in some cases is indicated on the back of the card.

Via ATM

If you come across an ATM along the way, you can check your card account using it. All you need is a bank card and a secret code. Insert the card into the ATM, enter the secret code and select the account balance (or a similar command) from the menu.

The ATM will offer you to display the received value on the screen or print it in the form of a receipt. Choose what you need.

The best option is to check your balance at your bank's ATM. However, this condition is not mandatory.

Other ATMs can also perform this operation, but this does not always happen because many functions depend on the ATM software and whether your bank cooperates with the bank that hosts the ATM.

Via terminal

How to find out your card balance? This can be done through the self-service terminal at your bank. The process of obtaining information is carried out almost the same as through an ATM.

You just need to insert the plastic card into the appropriate slot of the terminal and enter the PIN code. The terminal itself will prompt you with further instructions. The terminal interface is usually intuitive, so there should not be any difficulties.

Ask at a bank branch

IN work time you can find out the card balance at your bank. A bank branch employee will be happy to advise you and make a corresponding statement upon your request.

You must have your passport with you, otherwise you may be denied service.

How to check the credit card balance of various Russian banks?

Basically, all methods for checking a credit card balance are typical, they are described above. But the rules of some credit institutions may differ or have specific features for conducting this operation. Let's take a closer look at several banks.

Sberbank

To check your balance plastic card Sberbank, use one of 4 methods:

• Via an ATM - the verification procedure is standard, insert the card into the appropriate slot of the ATM, select the “check balance” item. When using ATMs owned by other banks, you may be charged a fee.
• You can check your credit card balance through mobile banking. You can activate this service at the nearest Sberbank branch, or by phone. This can also be done using an ATM or terminal.
• Using Internet banking. In order to be able to use the Internet services of this bank, you must have a credit card with connected mobile banking.
• Call the bank's support line. The support team will quickly and easily provide you with all the information you need.

Bank of Moscow

You can check the balance of a Moscow Bank credit card in the same way:

• Through a terminal or ATM.
• Using the SMS banking service. For credit cards, the service at this establishment is free.
• Through web banking, without leaving your home. To activate the service, you will need to obtain a login and password. This can be done at a bank branch or using an ATM. This will automatically link your credit card to your current mobile phone number.
• How to find out how much money is on your credit card? This can also be done by calling the hotline.

Credit Bank of Moscow

The methods for checking your account at the Moscow Credit Bank are standard. Separately, it is worth recalling that SMS banking (or mobile banking) credit institution does not provide for operations based on your requests. SMS messages about your balance and card transactions will automatically be sent to your phone.

There is also an Internet banking service for smartphones. You will be asked to download a special application, with which you can not only find out the amount of money in your account at any time, but also make your own financial operations through the Internet.

Rosselkhozbank

The most common ways to check the balance of a Rosselkhozbank credit card is to call hotline, via SMS and web banking. A service such as an INTERNET OFFICE is especially convenient for clients, where you can independently conduct financial transactions. More information about connecting to this service can be found on the bank’s website.

Tinkoff

IN Tinkoff Bank you can get financial information on your card via phone, simply by calling toll free number hotline.

A distinctive feature of this service is voice dialing control: in order to find out the amount in your account, you just need to say the word “balance”.

Alfa Bank

How to check the balance of an Alfa Bank and Leto Bank credit card in the most convenient way and without leaving home? you will need a phone and internet access.

All services are standard; to activate them, call the bank and read the instructions on its website.

So, you've learned that there are only five most common ways to check your credit card balance.

It's worth spending a little time to master them all, and then use credit card will be comfortable, and the possibility of troubles arising in mutual settlements with the bank will be negligible. After all, you will be able to control your finances at any time, without even leaving home.

If you are interested in those produced by large credit institution ICD debit cards - a review will familiarize you with the terms of use of all Visa and MasterCard products of the issuer, and will help you compare plastic of different categories in order to choose the right one.

Moscow Credit Bank issues free debits with card accounts in three currencies - ruble, euro and US dollar. A new client has 3 ways to order/register a product:

• submit an application online via mkb.ru;
• call the bank at the phone number listed on its website;
• come to the nearest branch with a passport and a second document from the extensive list posted on mkb.ru.

In the future, it will be possible to order new products (cards, deposits, loans) through the MKB Online Internet bank.

Visa Classic / MasterCard Standard

Cards Visa Classic/ MasterCard Standard has the lowest cost banking services with a fairly large set of available options.

Annual maintenance for classic category plastic in ICD costs 850 rubles. / 17 dollars / 17 euros.

The cost of SMS notification is 60 rubles. / $1.2 / €1.2.

Commission for withdrawing cash from ATMs of third-party financial organizations that are not MKB partner banks is 250 rubles. / $5 / €5.

The monthly cash withdrawal limit for all Moscow Credit Bank debits is the same - 3 million rubles. / $53 thousand / €48 thousand

ICD MasterCard Standard / Visa Classic cards, as well as more expensive categories, have contactless payment technology.

Classic cards with custom designs

Issued by ICD debit card With individual design also falls into the classic/standard category.

From regular Visa Classic / MasterCard Standard it differs in the cost of maintenance - 1200 / year, or 350 more expensive.

The advantage of classic plastic is the lowest cost of maintenance.

The downside is the lack of VIP status and access to privileges for cardholders of other categories.

Visa Gold/MasterCard Gold

Visa annual service cost / MasterCard Gold in MKB - 3 thousand rubles. / 60 dollars / 60 euros. The cost of SMS notification and cash withdrawal from third-party ATMs is the same as for classic cards.

The advantage of gold plastic is the corresponding status of the holder.

• compared to the classic one - more expensive maintenance;
• compared to platinum and premium - lack free card Priority Pass.

Visa Platinum / MasterCard Platinum

Annual service for Visa/MasterCard Platinum costs 5.5 thousand rubles. / 110 dollars / 110 euros. SMS info - the same 60 rubles. / $1.2 / €1.2. The fee for withdrawing cash from third-party devices is no different.

Visa Platinum privileges: an international visa is issued to the client free of charge Priority card Pass, which gives access to business, VIP or first class lounges at airports around the world and allows you to use business services.

Product advantages:

• compared to classic and gold cards - status;
• Compared to Infinite / Black Edition - cheaper service.

The disadvantages compared to other cards are appropriate.

Visa Infinite / MasterCard World Black Edition

The cost of servicing premium category Visa Infinite / MasterCard World Black Edition is 50 thousand rubles. / 1 thousand dollars / 1 thousand euros.

SMS notification is free. There is no fee for cash withdrawals from third-party ATMs.

Holders of premium cards, just like platinum ones, are provided with a free Priority Pass.

Product advantages:

• free cash withdrawals from any ATMs;
• the highest status of the holder.

The downside is the most expensive service.

Cards with Online service package

The Online service package can be connected to bank card ICD Visa or MasterCard of any category. Its cost is 2600 rubles. / year for both ruble and foreign currency products.

With Classic / Standard or Infinite / Black Edition plastic, when connecting to a package, the client pays an annual service fee from the first year. With Gold or Platinum plastic, only 2600 is deducted in the first year, and 2600+ annual fee is charged from the second year.

With the Online package, the ICD plastic holder receives:

• income 7% per annum on the card in rubles / 1% in foreign currency on the balance of funds, subject to payment for goods and services within a month in the amount of at least 10 thousand rubles. / 200 dollars (euro);
• participation in the MKB Bonus program - cashback accrual in the amount of 0.5% to 10% of expenses (depending on the category of purchases) with points (max 5 thousand / month), which can be spent on 4 purposes:
• payment for services in the Internet bank in the categories “Airlines”, “Cafes, restaurants”, “Hotels”, “Sporting goods”;
• commission for processing MKB products via Internet banking;
• charitable contributions to the Arithmetic of Good Foundation;
• reduction of interest rates on non-targeted loans;
• 50% discount on commissions for online banking transactions and mobile application;
• free SMS information on a card of any category;
• the ability to order the issue of up to 3 free additional cards - 1 platinum and 2 gold;
• the opportunity to open an “All inclusive” deposit with a rate of up to 9% per annum.

Please note: all MKB debits, regardless of the presence/absence of a connected service package, are included in discount program, allowing you to receive discounts of up to 25% of the cost of goods from more than 100 partners of the issuer.

Conclusion

Moscow Credit Bank Visa Classic / MasterCard Standard cards are the best in terms of service cost. In addition, the issuer offers an attractive option for a small additional payment - plastic with an individual design.

Platinum cards seem to be the best in terms of price-perks ratio.

Infinite / Black Edition - the choice of the wealthiest people.

Some people, when planning to get a 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 It’s better where exactly you should go to get a good deal. This article provides various helpful information concerning cultural documents, 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 placed on it by the owner himself, his employer or third parties carrying out the transfer. In this case, it will not be possible to take out a loan from a bank, as happens with a credit card.

In essence, the Moscow Premium card credit bank- this is a person’s wallet, where the money belonging to him lies. It’s just that when paying for something, he doesn’t get paper bills, but makes a payment using a terminal.

An advantageous difference from credit cards is that there is no need to pay interest and regularly repay the debt.

You can order plastic individual who presented his own passport. Certificates of income and solvency are not required.

Decor

How can you get a Premium card from Moscow Credit Bank:

• go to a bank branch;
• perform the necessary actions online.

In the first case, the applicant takes his passport with him. Age limit - from 14 years. After submitting your request, you must wait two weeks for the plastic to be released.

The online application is submitted in a few minutes. It's more convenient than visiting a bank and standing in lines. As soon as the form is submitted, 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 it so good:

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

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

Or VISA Classic for 1250 rubles. in year.

As it became known to all holders plastic cards"Moscow Credit Bank", from July 8, 2014, SMS notifications about completed transactions became paid: 50 rub. / $1.5 / 1EUR per month.

This commission affected all cards - both main and additional, and is written off at the expense of own funds or on credit.

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

Before this unpleasant innovation came into force, MKB sent an SMS warning to its clients. Thank you very much for that.

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

“Caring for the convenience of our customers, for a long time we have provided the service of SMS notifications about card transactions for free. 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 for free in the MKB Online Internet bank, the MKB Mobile application, as well as in monthly account statements. In the next few months, we will implement a free service of online notifications about transactions in the MKB Mobile mobile application, which will not be inferior in functionality to the current SMS alert service. On this moment the SMS information service for main cards remains free for salary card holders, as well as MasterCard cards Unembossed and Visa Classic Non-Personalized issued by clients to service 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. The spam was, of course, still the same. However, all large banks (and Moscow credit bank This is one of those) still provide SMS notifications about payments for free, because this is the minimum required level of service, without which it is simply inconvenient for clients to use a number of services. This is a problem for banks, and believe me, they can well afford to solve it. Otherwise, deep doubts arise about How well is this bank doing? and how much you can trust him.