When choosing a debit card, you can follow the following logic
Posted: Wed Feb 19, 2025 5:45 am
Visa and Mastercard cards work throughout Russia, but are not suitable for payment on foreign resources and use abroad. The restrictions are related to the sanctions imposed by Visa and Mastercard on Russia in March 2022.
"Mir" works in all regions of Russia, as well as in a number of CIS and Asian countries. In Russia, "Mir" is accepted everywhere where there are devices for accepting non-cash payments: at cash desks, in any ATMs. We told you about the work of the "Mir" system abroadin this article.
UnionPay is represented in 180 countries, including Russia, but you can't pay with UnionPay everywhere in our country. The number of banking organizations that issue UnionPay debit cards is limited, and the service is expensive. Therefore, the system is more suitable for travelers.
If you are going to go to a country where Mir operates, then take Mir,
If you are traveling to Europe, the USA and countries iceland mobile database where Mir does not work, apply for UnionPay,
If you often travel abroad, get both Mir and UnionPay,
If you need to pay for foreign services and order goods from foreign sellers, apply for UnionPay,
If you are not planning to travel abroad and do not use foreign services, Mir, Visa or Mastercard will do.
Purpose
If you are a pensioner, a student, receive an official salary or payments from the state, then pay attention to targeted debit programs. These include pension, social, salary projects. Money comes to the account from a specific source (pension, benefits, salary, scholarship), and the conditions may include free service, benefits and special bonuses for holders.
For example, in Bank Sinara they opensocial cardsto receive benefits, pensions and other payments from the budget. The service is free, all operations are available: cash withdrawal, online payment, replenishment from any account, transfers, contactless payments.
And forsalary clientsthe most favorable conditions apply:
service 0 ₽,
free withdrawal of up to 100,000 ₽ per month from third-party ATMs,
transfers up to 100,000 ₽ without commission,
cashback up to 5%,
up to 4% on the remainder.
The last two points - cashback and interest on the balance - can significantly increase the benefit of using the card. Therefore, we will dwell on them in more detail.
Cashback
Cashback is a partial refund of the money you spent. The amount and order of accruals depend on the terms of the debit program.
"Mir" works in all regions of Russia, as well as in a number of CIS and Asian countries. In Russia, "Mir" is accepted everywhere where there are devices for accepting non-cash payments: at cash desks, in any ATMs. We told you about the work of the "Mir" system abroadin this article.
UnionPay is represented in 180 countries, including Russia, but you can't pay with UnionPay everywhere in our country. The number of banking organizations that issue UnionPay debit cards is limited, and the service is expensive. Therefore, the system is more suitable for travelers.
If you are going to go to a country where Mir operates, then take Mir,
If you are traveling to Europe, the USA and countries iceland mobile database where Mir does not work, apply for UnionPay,
If you often travel abroad, get both Mir and UnionPay,
If you need to pay for foreign services and order goods from foreign sellers, apply for UnionPay,
If you are not planning to travel abroad and do not use foreign services, Mir, Visa or Mastercard will do.
Purpose
If you are a pensioner, a student, receive an official salary or payments from the state, then pay attention to targeted debit programs. These include pension, social, salary projects. Money comes to the account from a specific source (pension, benefits, salary, scholarship), and the conditions may include free service, benefits and special bonuses for holders.
For example, in Bank Sinara they opensocial cardsto receive benefits, pensions and other payments from the budget. The service is free, all operations are available: cash withdrawal, online payment, replenishment from any account, transfers, contactless payments.
And forsalary clientsthe most favorable conditions apply:
service 0 ₽,
free withdrawal of up to 100,000 ₽ per month from third-party ATMs,
transfers up to 100,000 ₽ without commission,
cashback up to 5%,
up to 4% on the remainder.
The last two points - cashback and interest on the balance - can significantly increase the benefit of using the card. Therefore, we will dwell on them in more detail.
Cashback
Cashback is a partial refund of the money you spent. The amount and order of accruals depend on the terms of the debit program.