The Russian Standard postal card is issued by the bank together with Russian Post. The card is issued in the Unembossed category and is supported by MasterCard WorldWide, an international payment system.

The Russian Standard postal card is designed for making payments, transfers, as well as paying for purchases and services.

With its help, you can open deposits and withdraw and deposit cash. The remaining funds in the account are charged from 0 to 10%. The percentage depends on the amount of funds placed and card turnover.

The cardholder participates in the following programs:

• “Favorite Client” from Russian Post;
• "Discount Club" from .

By participating in these programs, you can accumulate points, which are subsequently exchanged for valuable prizes. In addition, large discounts (up to 30%) are provided in a large number of restaurants, shops, beauty salons, and travel agencies in our country.

Features of the Russian Standard postal card

• The account currency of the card being opened is Russian rubles.
• The card's service life is up to 5 years.
• Issue and maintenance are free.
• Accrual on the balance of funds is up to 10% per annum.
• Annual percentage - 28%;
• The card holder's age is 18-75 years.

The following is also provided free of charge:

• payment for goods using card details;
• account statement.

You can additionally connect online banking to the card to make payments without commissions public utilities, abundant communications, internet and TV. For control Money SMS service is available for a fee.

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The Postal Card is a joint project of Russian Post and Russian Standard Bank. It represents a standard payment instrument, with which you can perform standard banking operations:

• pay for purchases in retail and service networks in Russia and abroad, as well as in online stores
• cash out at ATMs
• make payments to pay for services

In addition, the card can be used for enrollment or, it is enough to transfer its details to the organization’s accounting department.

Terms of release and service

Russian Standard Bank is speaking out, but on the outside front side only the Russian Post logo and standard details are indicated: number, deadline and affiliation payment system. The postal card is not personalized, that is, the owner’s name and surname are not printed on it.

Main characteristics

The following features are characteristic of a postal card:

• release is made only within MasterCard systems Worldwide
• extended period of validity – 5 years(for all instruments of Russian Standard Bank)
• account currency only rubles
• accrual up to 7% per annum for the balance
• making payments via the Internet (it is possible to access all banking services via web banking or mobile application)
• Using the card you can make deposits or loans online

Tariffication of Postal Card service

The postal card does not provide for an annual service fee, provided that it is at least 100 rubles. In case of non-compliance with the condition, as well as when performing a number of other operations, a commission will be charged according to the established tariffs (see table).

Commission fee for cash withdrawal at ATMs or branches of the issuing bank in the amount of:
— 0-50 thousand rubles	for free
— 50 thousand-500 thousand rubles
— over 500 thousand rubles
Commission for transferring funds from legal entities:
- first two operations per day	for free
- third and all subsequent transactions performed within 24 hours	5% of the transfer amount
Monthly payment for account balance less than 100 rubles	100 rubles
Payment for SMS notifications service	50 rubles/month
Fee for transferring money to other financial institutions	1% (min 100 rubles, max 1 thousand rubles)

The following services are provided free of charge:

• issuing a card account statement
• regular (due date) and unscheduled reissue (in case of loss, damage)
• transfers within the system of a subsidiary bank
• online payments in budgetary organizations, for communication services or for housing and communal services

Registration and activation

There are no special requirements for clients who have expressed a desire to receive a postal card. It is enough to meet the age limit from 18 to 75 years old and have your original passport with you. Issue is carried out at Russian Post offices according to the following algorithm:

1. contact the nearest office of a financial institution
2. show the employee your passport
3. fill out the form (indicated personal information, address, main document details, current contact information)
4. get a ready card within 15 minutes

In order to ensure the safety of client data, immediately after receipt the card is inactive. The activation procedure is carried out by the owner himself by setting a PIN code for making payments, transfers, cashing out and depositing operations. To generate a PIN code, you need to contact toll free number Russian Posts 8-800-200-4204 and follow the instructions from the answering machine.

Methods for replenishing a Postal Card

Through Russian Standard

To deposit money onto a postal card, you can use a Russian Standard terminal or ATM, which supports the “cash-in” option (has a bill acceptor), for which you will need:

1. insert card, dial code
2. indicate the required operation - Contribution
3. straighten the banknotes and insert them into the device after the signal
4. receive a check for performance

To top up, you can also contact a bank branch or use online services (if you need to transfer money from another Russian Standard card). There is no fee for replenishing your account.

Via Russian Post

Crediting money to a card at post offices is carried out in two ways:

• instant replenishment - made by the owner if he has a passport and card or the number indicated under the barcode. One transaction is limited to a limit of 50 thousand rubles
• postal transfer - issued after filling out a special form on which you will need to indicate the amount, full name, passport details and address of the sender, account number (printed in the card issue agreement)

Advantages of the joint project of Russian Post and Russian Standard Bank

A postal card has all the properties of a regular plastic carrier and at the same time has the following positive aspects for the client:

• free issue
• instant delivery
• more long term validity (5 years)
• free cash withdrawal in Russia and abroad ( up to 50 thousand rubles)
• participation in the privilege programs “Discount Club” (from Russian Standard) and “Favorite Client” (Russian Post program)

The last point involves receiving discounts and bonuses in restaurants, bars, brand stores of clothing, shoes, furniture and other household goods. Among the program partners, the “Flowers and Gifts” category is also represented. The cardholder is offered personal price conditions for services travel agencies. The maximum discount can reach 30% . The current list of partners is regularly updated on the official website of the loyalty program.

Overview of the advantages and main features of the card product

Increasing competition and at the same time the development and implementation of services in everyday life cashless payment many are forced commercial banks look for release partners outside banking sector. This allows them to create unique financial products, which find their application not only when paying for goods or withdrawing cash, but also in other areas of the life of their owners. Russian Standard Bank did not stand aside from this process and, together with Russian Post, issued a co-branded card - Russian Standard Post Card.

Advantages of the Russian Standard Postal Card

It is quite natural that for the successful implementation of the joint project of the Russian Post and Russian Standard Bank, the Postal Card must have certain advantages that distinguish it from ordinary bank cards. And there really are such advantages - these are:

How to apply for a Russian Standard Postal Card

Postal cards can be issued directly at Russian Post offices. The algorithm for concluding a card servicing agreement is very simple:

1. Contact the Russian Post office, state the reason for your visit and present your passport to the office employee.
2. Fill out a service agreement.
3. Receive a Postal Card in your hands.
4. Call the toll-free 24-hour phone number 8-800-200-4204 and generate a PIN code in order to use the card at ATMs or point-of-sale terminals.

The whole procedure will not take much of your time and will take no more than half an hour. And after its completion you will become the owner of a multifunctional plastic card, which you can use at your discretion over the next 5 years.

How to top up a Russian Standard Postal Card

Since the issuing bank of the Postal Card is Russian Standard, you can use the bank’s extensive network of branches and ATMs to replenish the card balance. It is possible to credit funds in other ways that are also available for paying for Russian Standard loans, but with a commission.

At the same time, the easiest and most natural way to top up your Postal Card is to use the services of the Russian Post. On the official website of this organization, at http://www.russianpost.ru/rp/servise/ru/home/finuslug/postdebitcard/blank_postdebitcard you can find detailed instructions by filling out the postal transfer form.

Thus, the Russian Standard Postal Card is a universal tool for using and increasing your own finances. Simplicity and convenience are, perhaps, the main content of this banking product. Quick processing, no commissions or subscription fees, a wide range of applications and developed services of Russian Standard Bank make the Postal Card quite a profitable purchase for many.

Official website of the product: http://www.pochtovayakarta.rf

Sample postal form for replenishing the Russian Standard Postal Card: http://www.russianpost.ru/rp/servise/ru/home/finuslug/postdebitcard/blank_postdebitcard

Russian Standard partner stores: http://www.clubskidok.rs.ru/

You can get a bank debit card without leaving your home. To do this, you need to fill out an online form on the bank’s website or call the operator. After reviewing the application and approval of its issuance, the client will receive a notification of readiness. It can be received by mail or picked up at a bank branch. Courier or postal delivery is not available at all financial institutions.

Banking card offers

Depending on the purpose of the card and bank, conditions and interest are calculated individually. Let's look at the most popular offers.

Among them is Tinkoff Bank, which offers debit cards for both ruble accounts and foreign currencies. The Tinkoff Black card is intended for a dollar account. 0.1 percent is charged on the remaining amount. The cashback amount is 1 percent. The annual maintenance fee is $12. This card can also be issued for euros. At the same time, the cashback level ranges from 1 to 30 percent of the purchase price. Annual maintenance will cost 12 euros.

Additionally, the bank offers the following cards:

• “WWF” - annual account maintenance up to 1188 rubles, no interest accrual on the balance, type of currency - rubles;
• “Svyaznoy-Club” - the balance can be charged from 3 to 7 percent, annual maintenance is 1188 rubles, the card is issued free of charge;
• “S7 World” - ruble account without accruing interest on the balance, the cost of card servicing will cost up to 2280 rubles;
• “The ABC of Taste” - for every ruble spent, up to 6 bonuses are awarded, the annual service fee starts at 590 rubles;
• "S7 Black Edition» - a card with a ruble account, no interest is charged on the balance, the cost of servicing is no more than 1188 rubles per year;
• “OneTwoTrip” - the card is valid for rubles; there is no system for calculating interest on the remaining amount; for a year, maintenance will cost up to 1188 rubles.

Proposals from other “large” participants:

1. Promsvyazbank - “Map of the world without borders.” There is no interest accrual on the balance. Annual card maintenance is 1900 rubles.
2. Alfa Bank - offers the Alfa-Miles card. Annual service from 599 rubles. No interest is charged on the balance. IN basic version is intended only for ruble transactions; in the Signature package, instant relinking to accounts in euros or dollars is possible.
3. The Crossroads card from Alfa Bank can also be delivered by mail. Price annual maintenance is 490 rubles. Topping up your personal account from another card is free. For every 10 rubles spent, the user receives up to 3 bonus points.

Advantages of receiving a card by mail

Debit cards by mail without visiting the bank are a rational and practical solution for modern people. The client can keep his money in a safe place and manage it at his own discretion at any time.

The main advantages of debit cards with postal delivery:

• possibility of registration through banking service, without leaving home;
• prompt delivery to the specified address - home or work;
• there is no need to stand in bank queues for a long time;

The card is issued free of charge or for a fee. It all depends on the bank's policy. In this case, the user will need a minimum of documents. Any adult citizen of Russia can order a debit card using the Russian Post service in any locality; all you need is a passport for registration.

Are postal delivery cards safe?

Many clients are interested in the question of whether attackers will be able to obtain card data. Banking system security offers the safety of personal data. You will not be able to use the client’s card until you receive it in your hands - it is initially blocked. To activate it, the user will need to call hotline bank and tell the employee the secret word.

In addition, the operator can clarify some customer data to make sure that banking product fell into the right hands. This procedure can also be carried out by a courier. At the same time, he photographs the client’s passport data and sends them to the bank. A similar service is available, for example, in Rocketbank.

Only after completing the unlocking procedure will you be able to use your debit card, top up your account, and withdraw funds from it.

: Receiving debit card via mail is profitable and accessible to everyone. The client saves time on visiting financial institutions. You can get acquainted with the possibilities of such a service in each bank in more detail on the official websites.

Do you want to become a “favorite customer” at the post office? Meet - postal bank card"Favorite Client"!

It just so happens that I order a lot of things over the Internet and almost all of these goods arrive in the mail. I don’t know about you, but there are almost always queues at our post office :)

And then I saw this ad...

In our branch, holders of the postal bank card Favorite Client are served without a queue...

I have been eyeing this card for a long time and this ad finally convinced me to get myself this bank card!

Postal bank card "Favorite Client":

Well, how do you like the benefits? Comfortable? I really liked it and got myself such a card!

After issuing a postal bank card, you will need to activate it and receive a PIN code

To do this, just call the toll-free number 8 800 200 4 204 or go to the website http://www.pochtovayakarta.rf/

In order to log into the Internet bank, you need to follow the link and enter the login and password that were sent to you on your mobile phone when issuing a card. If this data has not arrived, then again call the toll-free number 8 800 200 4 204 and the operator will send it to you.

If you have used the services of Russian Standard Bank for the first time, then you need to take the following steps when logging into the Internet Bank for the first time:

Each time you log into the Internet Bank, you must confirm your login with a temporary password from an SMS message sent to your mobile phone number specified when registering a bank card. Therefore, it is very important to always have a mobile phone with you. Indicate the phone number that is always available.

And then you need to change the temporary password. Create a complex password consisting of letters and numbers, be sure to write it down in a notepad!

After changing your password, you log into your Internet bank and can already work with it.

Please note that if you already have login data for Internet banking from Russian Standard, then you do not need to receive new ones. Those. if you are already the happy owner of, for example, the “Bank in your Pocket” service package or you have registered WebMoney card MasterCard Standard means you simply log in with your login and password to your Internet bank and you will simply have another card added, namely the Mass Postal Card.

Thus, after registering for a postal bank card “Favorite Client”, you will receive a whole arsenal for comfortable work with money on the Internet! I hope that you will enjoy working with this card and will appreciate all its advantages.