Debit cards by mail. Postal card from the bank Russian standard Postal card Internet bank
The Russian Standard post card is issued by the bank jointly with the Russian Post. The card is issued in the Unembossed category and is supported by MasterCard WorldWide, an international payment system.
Postal card Russian Standard is designed to make payments, transfers, as well as to pay for purchases and services.
With its help, you can open deposits and, withdraw and deposit cash. The remaining funds on the account are credited from 0 to 10%. The percentage depends on the amount of funds deposited and the turnover on the card.
The cardholder participates in programs:
- "Favorite Client" from the Russian Post;
- "Discount Club" from.
Through participation in these programs, you can accumulate points that are subsequently exchanged for valuable prizes. In addition, there are large discounts (up to 30%) in a large number of restaurants, shops, beauty salons, travel agencies in our country.
Features of the Russian Standard post card
- The account currency of the card being opened is Russian rubles.
- The service life of the card is up to 5 years.
- Issuance and maintenance is free.
- Accrual on the balance of funds - up to 10% per annum.
- Annual percentage - 28%;
- The age of the cardholder is 18-75 years old.
It is also provided free of charge:
- payment for goods using card details;
- account statement.
In addition, you can connect an Internet bank to the card in order to pay for utilities, abundant communications, Internet and TV without commissions. To control the card funds, an SMS service is connected for a fee.
Record navigation Post office Russian Standard Bank"Postal card is a card of Russian Standard Bank, which is distributed by Russian Post, and the card is supported by the MasterCard Worldwide international payment system (Unembossed category). Connection of services via a postal card is available - "SMS-service", "Mobile bank" and "Internet-bank".
The Russian Standard Bank postal card is designed to provide its holder with the following types of services:
- making payments and transfers
- registration of deposits and loans
- payment for purchases and services
- cash withdrawals and deposits
- Issuance of cards on behalf of the bank (issued within 15 minutes).
- Replenishment of cards by free postal transfers.
- Making payments and transfers.
- Payment for goods and services.
- Participation of the card in the "Favorite Client" program of the Russian Post.
Description of the Postal Card
The postal card has the standard format of a bank card, but instead of the logo of the issuing bank, only the logo of the Russian Post, which is not a bank, is placed on the card. There is no corporate name of the issuing bank. In a standard place on the card there is a logo and a hologram of the Mastercard payment system.The design of the postal card - on a light blue background, a blue image of a part of a two-headed eagle, repeating its image on the logo of the Russian Post.
The card is not chip - that is, it does not have an additional and highest level of protection against unauthorized access to the account.
The post card looks like this:
Postal card
Tariffs and conditions for the Postal Card
- The main conditions for issuing a postal card are as follows:
- Card currency - Russian rubles
- Card validity period - 5 years
- Age of clients, cardholders - from 18 years old
- Card issuance and maintenance - free of charge
- Additional income - up to 10% per annum
- It is possible to arrange a loan with an interest rate of 28% per annum
- Separate tariffs for servicing a postal card:
Benefits of the Postal Card
The main advantages of servicing a postal card are as follows:- Crediting of funds in the Russian Post branches, as well as ATMs and branches of the Partner Bank - Free and the amount is not limited
- Transfers and payments in the "Internet Bank" (utilities, telephone and mobile communications, TV and Internet) - Free
- Issue of virtual cards for safe purchases on the Internet through the "Internet Bank" service - Free
- Accrual of interest on the balance of funds on the Postcard account - from 1 to 10% per annum (depends on the amount of the balance)
How to issue a "Postal card"
The post card can be issued in 60 regions of Russia. The age of clients for the card is from 18 to 75 years old. Citizenship - Russian Federation.To issue a postal card, you must:
- choose a convenient branch of the Russian Post,
- visit the selected branch with a passport of a citizen of the Russian Federation,
- fill out the partner bank form,
- within 15 minutes receive a ready-made card.
How to top up the Postal card at the Russian Post offices
In the Russian Post offices, a free service is available for crediting funds to the Postal Card, both via on-line technology using the Post Finance software, or by simple postal order, if the GPT does not have the option of on-line replenishment.
To replenish the Postal card, you must contact the operator of the post office with a completed postal order form.
You can fill in an empty postal order form:
- print,
- print on the website of the Russian Post
- get it at any post office.
Sample completed postal order form
When registering a postal order form of the Russian Post for replenishing the Postal card, the following requirements for filling in individual fields must be observed:
| №№ | Field name | What and how should be specified in this field |
|---|---|---|
| 1. | In the field "Postal order to ___" | the amount of transfer to the Postcard is indicated in figures and in words. The amount in words always starts with a capital letter. |
| 2. | In the "To" field | Federal client Postal card Russian Standard Bank |
| 3. | In the "Where" field | 106000 Federal client Postal card Russian Standard Bank. |
| 4. | In the "From" field | The last name, first name and patronymic in the nominative case and the date of birth in the format DD.MM.YYYY are indicated. |
| 5. | In the field "Sender's address" | the postal address of the sender of funds |
| 6. | In the "Submitted" field | passport details of the sender, including the code of the department that issued the passport. |
| 7. | In the "Message" field | number of the personal account * of the card to which the sender's funds are transferred |
* Attention: the number of the personal account is specified in the agreement for the registration of the Postal Card, and you can also find it out by the telephone number of the hotline of CJSC Russian Standard Bank.
Privileges with a card from the Russian Post and CJSC Russian Standard Bank
- The holder of the postal card becomes a member of the programs "Favorite Client" of the Russian Post and the "Club of Discounts" of the Bank - partner
- The program participant accumulates points and exchanges them for prizes, and also enjoys discounts of up to 30% in many stores, restaurants, travel agencies, beauty salons throughout Russia.
Where to get advice on a postal card
Consultation on any issues related to the Postal Card can be obtained from the specialists of the Partner Bank (CJSC Russian Standard Bank) by phone 8-800-200-4-204 (free calls within Russia).The Postal Card is a joint project of the Russian Post and the Russian Standard Bank. It is a standard payment instrument with which you can perform typical banking transactions:
- 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 accounting department of the organization.
Terms of issue and service
The bank is Russian Standard, however, only the logo of the Russian Post and standard details are indicated on the outer front side: number, term and affiliation to the payment system. The postal card is not personalized, that is, the owner's name and surname are not printed on it.
Main characteristics
The post card has the following features:
- issue is made only within the MasterCard Worldwide system
- extended period of validity - 5 years(for all instruments of the Russian Standard Bank)
- account currency only rubles
- accrual up to 7% per annum for the remainder
- making a payment via the Internet (it is possible to access all banking services through a web bank or a mobile application)
- using the card, you can draw up deposits or loans online
Tariffication of the 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 conditions, as well as when performing a number of other operations, a commission will be charged in accordance with 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 |
is free |
|
- 50 thousand - 500 thousand rubles |
|
|
- over 500 thousand rubles |
|
|
Commission for transferring funds from legal entities: |
|
|
- the first two operations per day |
is free |
|
- the third and all subsequent operations performed within 24 hours |
5% of the transfer amount |
|
Monthly payment if the account balance is less than 100 rubles |
100 rubles |
|
Payment for SMS notification services |
50 rub / month |
|
Fees 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 (on time) and unscheduled re-release (in case of loss, damage)
- transfers within the system of a subsidiary bank
- online payments to budgetary organizations, for communication services or for housing and communal services
Registration and activation
There are no special requirements for customers who have expressed a desire to receive a postcard. It is enough to meet the age limit from 18 to 75 years old and have your original passport with you. The issue is carried out at the Russian Post offices according to the following algorithm:
- contact the nearest office of a financial institution
- show your passport to the employee
- fill out a questionnaire (indicate personal information, address, data of the main document, current contact information)
- receive a ready card within 15 minutes
In order to ensure the safety of customer data, immediately after receiving 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, you need to contact the toll-free number of the Russian Post 8-800-200-4204 and follow the instructions of the answering machine.
Methods of replenishing the Postal card
Through the "Russian Standard"
To deposit money on a postal card, you can use the terminal or ATM "Russian Standard", which supports the "cash-in" option (has a bill acceptor), for which you will need:
- insert card, dial code
- specify the required operation - Contribution
- straighten banknotes and insert them into the device after the signal
- get a check of execution
Also, for replenishment, you can contact a bank branch or use online services (if you need to transfer money from another Russian Standard card). There is no commission for the account replenishment.
Via Russian Post
Crediting money to the card in post offices is carried out in two ways:
- instant replenishment - made by the owner in the presence of a passport and card or number, which is indicated under the barcode. One transaction is limited by a limit of 50 thousand rubles
- postal order - drawn up after filling out a special form, on which you will need to indicate the amount, full name, passport data and address of the sender, account number (printed in the agreement for the card issue)
Advantages of a joint project of Russian Post and Russian Standard Bank
A postage card has all the properties of a conventional plastic carrier and at the same time has the following positive aspects for the client:
- free issue
- instant issue
- longer period of 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" (program of the Russian Post)
The last point involves getting discounts and bonuses in restaurants, bars, branded stores of clothing, footwear, furniture and other household goods. Among the partners of the program there is also the category "Flowers and Gifts". The cardholder is offered personal pricing conditions for travel agency services. The maximum discount can be up to 30%
... The current list of partners is regularly updated on the official website of the loyalty program. 
You can apply for 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 consideration of 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 delivery or mailing is not available in all financial institutions.
Bank card offers
Depending on the purpose of the card and the bank, conditions and interest are calculated individually. Let's consider 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 the dollar account. The balance of the amount is charged 0.1 percent. The cashback size is 1 percent. The annual service fee is $ 12. This card can also be issued for the euro. At the same time, the cashback level is in the region 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, there is no interest accrual on the balance, currency type - rubles;
- "Svyaznoy-Club" - the balance can be charged from 3 to 7 percent, annual service - 1188 rubles, the card is issued free of charge;
- "S7 World" - ruble account without interest on the balance, the cost of servicing the card will cost up to 2280 rubles;
- "Alphabet of taste" - for each ruble spent, up to 6 bonuses are charged, the service fee per year starts at 590 rubles;
- "S7 Black Edition" - a card with a ruble account, no interest is charged on the balance, the cost of service is not more than 1188 rubles per year;
- "OneTwoTrip" - the card is designed for rubles; there is no system for calculating interest on the balance of the amount; maintenance will cost up to 1188 rubles per year.
Proposals from other "large" participants:
- Promsvyazbank - "Map of the world without borders". There is no interest accrual on the balance. The annual service for the card is 1900 rubles.
- Alfa-Bank - offers the Alfa-Miles card. Annual service from 599 rubles. No interest is charged on the balance. In the basic version, it is intended only for ruble transactions; in the Signature package, instant re-linking to accounts in euros or dollars is possible.
- The Perekrestok card from Alfa-Bank can also be delivered by mail. The cost of the annual service is 490 rubles. Replenishment of a personal account from another card is free of charge. For every 10 rubles spent, the user receives up to 3 bonus points.
Benefits of receiving a card by mail
Debit cards by mail without visits to the bank are a rational and practical solution for modern people. The client can keep his money in a safe place and dispose of it at his own discretion at any time.
The main advantages of debit cards with postal delivery:
- the possibility of registration through a banking service without leaving your 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 on a free or paid basis. 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 through the Russian Post service in any locality, for registration you only need a passport.
Are the postage cards safe?
Many clients are interested in the question - will intruders be able to get data on the card. The banking security system offers the safety of personal data. You will not be able to use the client's card before receiving it in your hands - it is initially blocked. To activate it, the user will need to call the bank's hotline and tell the employee the secret word.
In addition, the operator can clarify some of the customer's data to make sure that the banking product is in the right hands. A courier can also carry out this procedure. At the same time, he takes photographs of the client's passport data and sends them to the bank. A similar service is available, for example, at Rocketbank.
Only after passing the unblocking procedure, it will be possible to use the debit card, replenish the account and withdraw funds from it.
: Receiving a debit card via mail is beneficial and accessible to everyone. The client saves time on visiting financial institutions. You can familiarize yourself with the possibilities of such a service in each bank in more detail on the official websites.
Overview of the advantages and main features of the card product
Increasing competition and, at the same time, the development and implementation of non-cash payment services in everyday life are forcing many commercial banks to look for release partners outside the banking sector. This allows them to create unique financial products that find their application not only when paying for goods or withdrawing cash, but also in other areas of their owners' lives. Russian Standard Bank did not stand aside from this process and issued, together with the Russian Post, a co-branding card - the Russian Standard Postal 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 issue a Russian Standard Postal Card
Postal cards can be issued directly at the Russian Post offices. The algorithm for concluding a card service agreement is very simple:
- Contact the Russian Post office, explain the reason for your visit and show your passport to the office employee.
- Fill out a service agreement.
- Get the Postal card in your hands.
- Call the free round-the-clock telephone 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 within the next 5 years.
How to top up the Russian Standard Postal Card
Since the issuing bank of the Postal Card is Russian Standard, you can use an extensive network of branches and ATMs of the bank to replenish the card balance. It is possible to transfer funds in other ways that are available for paying for Russian Standard loans, but with a commission.
At the same time, the easiest and most natural way to replenish the 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 on how to fill out the postal order form.
Thus, the Postal Card of the Russian Standard is a universal tool for using and increasing your own finances. Simplicity and convenience are, perhaps, the main content of this banking product. Fast processing, no commissions and no 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.pochtovaya karta.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/