Unnamed card. Nameless bank cards will be banned

26.12.2021

Banks try to attract customers with interesting offers. A free debit non-personalized card is a universal payment instrument. Every Russian will be able to issue a card when contacting a bank. Plastic is endowed with useful features. Let's consider the proposal comprehensively.

There are several differences between the types of plastic. The main difference is that the personal data of the holder (surname and name in Latin) is on the personalized debit card. With such plastic, you can pay for purchases via the Internet and cash out money, take microloans. An unnamed card cannot perform the listed functions.

An unnamed payment instrument is issued and maintained free of charge, or is very inexpensive. For personalized cards, the cost can be quite high - up to several thousand a year. From paid services only SMS notifications can be checked. On personalized plastics, this option is completely free.

People draw up unnamed cards to receive salaries, pensions, and to pay for purchases in stores. The limit on withdrawals per day and per month for plastic is small, but it will be quite enough to place the funds of an average Russian. Some financial institutions allow you to issue additional plastic to an unnamed card with a link to one account, but this possibility is not available everywhere.

If the client does not constantly make purchases on the Internet or does not cross the borders of the Russian Federation, it makes no sense to purchase personalized plastic. It is better to use an unnamed debit card.

Features of Debit Cards with Instant Decision

Classic debit cards somewhat different from the unnamed ones. This is connected not only with a quick and simplified design. Instant cards do not have the initials of the holder. Many trading platforms they refuse to make a payment for the purchase, because the client cannot specify the details of the cardholder.

Debits "without a name" are issued in 15-20 minutes. It may take at least a week to make a personalized plastic. Instant cards are issued upon the client's request. The established limits on the card are enough for the permanent use of plastic. Overdraft is not provided.

If the applicant does not declare the need to connect additional options, then the service will not require any fee.

Opportunities

Most non-named debit cards have similar functionality. Plastic holders can use all standard services:

Instant transfers between cards or accounts, even with third-party banks;
Replenishment of the card account in various ways;
Access to Internet banking;
Account control;
Cash withdrawal without commission in the USO of partner banks;
Participation in bonus and savings projects.

The client will be able to activate other options. You should be prepared for the fact that all services are paid.

How to make an instant debit?

Since the card is issued instantly, there is nothing difficult in obtaining it. There are several design options:

Through the Internet. It is enough to submit a standard application and wait for a decision. If you do not want to go to the bank, you can specify the option of receiving the card by mail.
The card can be delivered by courier. The application is submitted online.
When visiting a bank office in person. Passport required.

Not all banks offer different ways receiving an unnamed debit card. It is necessary to clarify the data on the bank's website in advance.

What documents are required for registration?

The advantage of plastic is the high speed of registration and a simplified procedure. To pick up a debit card, you need to contact the bank branch with a passport.

At the time of applying for the card, the applicant must be 18 years old.

In addition to a passport, no other documents are required to issue a debit card of an unnamed type. It will not work to issue a military ticket or a plastic card. Passport is presented only in original form.

Where can I apply - list of banks

Many banks offer to issue an unnamed debit card. The choice of a card is influenced by such characteristics:

Maintenance cost per year;
Available functionality;
Availability of cashback and income;
Design.

The amount of annual maintenance is on average 300 rubles and more. Additional services for unnamed plastic may require payment in the amount of 700-1000 rubles. The release of plastic is carried out free of charge.

You can apply at different banking institutions. The most popular are the methods.

The listed banks try to provide for all possible nuances use plastic cards unnamed type. There is cash back and residual income. The customer can pay for purchases and withdraw cash. The card is issued according to the passport.

Maintenance cost

Basically, the card is issued free of charge, but in some financial institutions they do not charge money for service either. Sometimes a debit card is issued as an additional product to the main card, but this issue should be clarified in advance. There are no difficulties here, because the instant card is endowed with the same capabilities as the main plastic:

Performing any operations with money on the account;
Payment for purchases in the store, on Internet sites online;
Withdrawing money from the USO;
Money transfer between cards;
Possibility of using Internet banking to control the transactions performed and the status of accounts;
Connecting the online information service.

Not all of these services are free. Receiving notifications of payments made may require monthly payment, and transfers and withdrawals from ATMs, in certain cases, involve the collection of commission amounts.

Cons of an instant card

There are also disadvantages to the instant non-personalized card, although there are more pluses. Of the shortcomings, it is worth highlighting the following circumstances:

Basically, customers using such plastic note that the debit card has rather limited cash withdrawal limits.
It is difficult to pay for online purchases. It is impossible to do this on individual Internet resources.
It is practically impossible to get microloans on unnamed cards.

There are more pluses, including a wide range of available options, but the minuses should not be overlooked.

Cash limit

Non-personalized instant debit cards cannot be fully used abroad. Usually, plastic is not accepted as a payment instrument, and it will not be possible to withdraw money from it at a foreign ATM. You can get cash only in "your" bank. Such cards are in demand due to the simplicity of registration and the speed of obtaining a card.

Limits on cash withdrawals in Russia are also set small. On average, the amount does not exceed 100-150 thousand rubles per month.

Payment restrictions

It is not possible to use an unnamed banking product on all Internet sites. Restrictions allow you to increase the level of card protection. You cannot get a microloan on the card, since lenders require the provision of personalized plastic.

Thanks to bank cards, most of the regular payments become available from any computer or your own mobile phone. The comfort and reliability of Internet banking is recognized even by staunch skeptics.

Features of the Instant Debit Card

The Momentum card is the most affordable among Sberbank's plastic products. Combines fast issuance, free service and the minimum set of required functions of classic maps:

cashless payment worldwide;
Money transfers;
receiving cash;
card account management Personal Area from a computer or phone;
incentives in the form of bonuses and discounts.

Unlike Classic, Gold and premium cards, Momentum has low limits for issuing money (up to 100 thousand rubles per month), does not provide for emergency cash receipts abroad in case of loss or damage to plastic, has a monotonous design, it does not indicate the name of the owner.

Instant Visa / Mir / MasterCard is issued within 10 minutes after the request. The product is available in every bank office, ready for issuance. It is enough to present a passport, fill out an application, sign an agreement.

The card is issued and serviced free of charge. The holder replenishes it, pays for purchases in foreign stores, uses remote access to the account via the Internet and mobile phone, without any problems.

In case of loss of plastic or PIN code, reissue is not performed. You will need to close your account and open a new one.

Card without holder's name

Unlike classic and other Sberbank cards, only the number, expiration date and CVC code are indicated on the instant card. However, the product is not nameless. The card account belongs to the client, it is opened in accordance with his passport data. If you want to make a payment that requires entering a first and last name, it is enough to know them in Latin.

If you don't know the exact spelling, you can:

look at another card if available;
go to the page of the electronic application for any plastic on the Sberbank website;

without filling out the application in full, enter your last name and first name in the appropriate fields as in the passport, the system will automatically show the spelling in Latin;

inquire at a bank branch.

What is the difference between named and unnamed

Outwardly, the difference is noticeable in the absence of a surname and a more restrained design in green. An unnamed card, compared to a name card, offers fewer opportunities to the holder:

low limits for cash withdrawals, transfers;
increased commissions for cashing out at the cash desks of other banks;
not implemented extradition Abroad.

What is the price?

Sberbank instant card is issued free of charge. The customer can use it without any service charge. For those who wish, paid services are available, such as mobile bank, mini-statement, cash withdrawal from third-party banks.

Services that Momentum holders use for free:

release;
annual maintenance;
reissue, implying the replacement of plastic along with the bill;
replenishment and issuance of money through Sberbank;
cashless payment;
account report via @-mail or at a branch (do not confuse with a mini-statement from an ATM!);
economy package mobile bank.

Card features

Momentum Visa / MasterCard allows you to:

pay at the checkout all over the world;
pay and transfer using an online bank and a mobile application;
schedule auto payments;
receive cashback Thank you, use the Piggy Bank service;
participate in loyalty programs of Visa and MasterCard payment systems (note that basic packages are available in the form of 10-15% discounts from partners, round-the-clock technical support in any country);
a call to technical support is paid, in accordance with the communication tariffs.

Can I pay online

Visa and Master Card Momentum are served by international payment systems and allow you to pay via the Internet all over the world. The number, CVC code and expiration date are indicated on the plastic. For payment on many sites, this is enough.

Often the name of the holder is required for payments. It is not indicated on the plastic, since the release is made in advance, it is issued to the hands on the day of application. However, when processing documents, passport data is entered into the bank database, and the payment system "knows" the name of the holder. Your task is to find out its spelling in Latin - using another card, at a bank or on a website.

Restrictions

The differences between Momentum and Classic, Gold and the rest are hardly noticeable with daily purchases in supermarkets, utility bills and other regular payments.

Restrictions manifest themselves when it is necessary to pay or withdraw cash, the amount is more than usual:

there is no emergency cash withdrawal in case of damage or loss of the card abroad;
the maximum amount of payment per day is 100 thousand rubles;
daily limit for withdrawal without commission in Sberbank - 50 thousand;
monthly limit for cashing out in Sberbank - 100 thousand.

There is a 0.75% fee to receive cash overlimits. Restrictions in third-party banks are not provided. However, you will have to pay a commission of 0.75 - 1%, at least 150 rubles.

What's the catch?

Tariffication Momentum can be compared with the basic package for cellular communication. The subscriber receives a SIM-card, has the ability to receive incoming calls, call within the network for free. If you want to use additional services, the client pays for them by seconds, by megabytes. Prices in this case noticeably lose to "package".

However, if there is no need for service packages and if they are rarely used, paying for them separately remains profitable.

Far from relevant for everyone:

participation in salary projects;
spending more than 100 thousand per month;
loss of the card abroad.

At the same time, many are in demand:

payment of a consumer loan;
receiving irregular transfers from relatives of 5-10 thousand;
current spending in stores.

In such cases, it makes no sense to pay from 450 rubles a year for servicing a classic product. Enough plastic with a minimum set of features.

If you need a service that is not included in the Momentum package, it is more profitable to pay for it separately.

Why doesn't the bank charge a service fee? For non-cash payments at checkouts and on websites, the bank charges a 2% commission from the seller. This generates enough income for the bank not to require payment from customers. Issuing unnamed cards is relatively cheap.

Sellers benefit from non-cash payment, as it saves them from having to work with cash.

Are they issued now?

A lot of questions have appeared on the network that Momentum cards are no longer issued. This is not entirely true. On March 1, 2016, Sberbank stopped issuing Visa Electron Momentum and Master Card Maestro, they were replaced by instant cards.

The cost of servicing Electron and Maestro was 300 rubles a year. It was possible to order a second card to the account. The monthly limit on the issuance of cash through Sberbank was 500 thousand rubles. Participation in salary projects was allowed.

Momentum R - what is it?

Instant card account currency can be: ruble, US dollar or Euro.

The R mark on the front of the plastic is made to indicate a link to a ruble account.

You can pay with Momentum R wherever Visa and MasterCard are accepted, at retail points of sale, in online stores, regardless of their location and the main currency with which they work.

When paying bills in a currency other than the card account, the bank will automatically convert it at the current rate. Often sellers offer prices in several currencies, including rubles. For example Aliexpress. In most cases, such an exchange is disadvantageous to the buyer. It is cheaper to pay in the seller's currency by entrusting the conversion to the bank.

Can I withdraw money from her?

Free cash withdrawal is limited - 50 thousand rubles. per day, 100 thousand per month. In excess of the indicated amounts, receipt is available with a commission of 0.5–1%.

Momentum Visa, Mastercard or MIR - what to choose and what are the differences?

Both payment systems are international, have fast technical support, work all over the world, the difference in capabilities is almost imperceptible. Sberbank serves both products at the same rate.

Differences between Visa and Master Card can be seen during travel and leisure thanks to affiliate programs.

Visa Classic Momentum

Among the partners of Visa, there are mainly firms offering privileges to travelers and shoppers abroad:

hotels;
transport and excursion companies;
outlets.

MasterCard Standard Momentum

You can make everyday purchases in a large retail supermarket, for example, in Auchan, spend leisure time in individual chain cinemas and cafes at a discount using MasterCard.

Momentum World

As noted above, the functionality of the national payment system card is noticeably inferior to Visa and MasterCad, especially in that it can only be used within the Russian Federation. But, this card will be useful for residents of the Crimea, or for those who are going to go there, since the plastic of other payment systems on the territory of the peninsula does not work.

Differences in the functions of payment systems

What is better to choose?

Check out detailed description programs, up-to-date lists their participants and promotions on the websites of payment systems. Evaluate the usefulness of the suggestions for yourself.

If you do not have the time or desire to do analysis, you can choose any. The quality of services is comparable, high. Sberbank services are available with both cards in the same amount.

How to get a

It will take no more than 10 minutes to complete:

come to any branch of Sberbank;
show your passport;
sign the contract;
take the plastic.

Enough permanent or temporary registration in Russia.
Age of the holder from 14 years.

Apply online

The Momentum debit card from Sberbank is issued to everyone on general conditions in any branch without registration via the Internet.

Online clearance is also available for Credit Momentum.

The requirements for credit card holders are more stringent than those for debit cards:

from 21 to 65 years;
Russian citizenship;
registration in the Russian Federation.

Existing customers of Sberbank can apply for preferential credit Momentum with a reduced interest rate.

How to use?

In circulation, a Sberbank debit card without service charge is not much different from a regular Visa and Master Card, except for limits.

Available services:

cashless payment in outlets, online stores;
fast receiving and sending money transfers;
remote use via the Internet and mobile banking;
loan fees;
payment of utility bills, taxes, duties, fines with or without a reduced commission;
optional participation in bonus program Thanks and Piggy Bank connection;
privileges of Visa and MasterCard partners.

Is it possible to transfer money to it

One of the main reasons for applying for instant card is the need for one-time or occasional transfers.

Important! Since 2017, the transfer of benefits and other regular budget payments is not allowed to accounts operated with the participation of international systems payments. You will need to get a MIR card or a current account that is not tied to plastic.

Cash withdrawal limit

Limitations in the work of Momentum are noticeable when cashing out large amounts.

You can get up to 50 thousand rubles a day at the cash desk and ATM of Sberbank.
100 thousand rubles are available for cashing out within the bank per month.
Above the indicated amounts, a commission of 0.5% is charged.

Sberbank does not restrict cash receipts in other credit institutions, but takes a commission from 0.75 to 1%. The third-party bank also usually withholds its interest.

How to activate?

Momentum implies an independent choice of a PIN code, it can only be set through the terminal. Activation occurs one day after the code is set or after any operation with its input. It is impossible to set a cipher or activate a card via the Internet.

Having received Momentum in your hands, activate it at an ATM, for this:

insert the card into the terminal;
the interface of ATMs has minor differences, but the menu will prompt you to set a 4-digit PIN code yourself;
enter the code, remember it;
confirm by pressing the appropriate button on the screen or keyboard;
request a balance or perform any other operation that requires entering a PIN code.

The card is activated. Without leaving the ATM, you can connect a mobile bank and get a login and password to use Sberbank-online. The terminal menu is friendly and usually does not raise questions about how to find the right items.

In case of difficulties or inexperience, there are employees in the customer service rooms whose duty it is to advise on any questions about the services. You can ask for help. It's free.

Pros and cons of the Momentum card

Summarizing the described advantages, we highlight:

free issue;
free service;
issuance on the day of application;
the possibility of maintaining an account in rubles, euros, US dollars;
functionality all over the world;
availability of all the main services of Sberbank (online, mobile banking, Thank you, Piggy Bank, the widest network of ATMs in the country);
Visa and Master Card affiliate programs.

Features that many regard as disadvantages:

low cash withdrawal limits;
high commission for cashing out over the limits;
obstacles in establishing the exact spelling of the name for payment via the Internet;
the degree of data protection for Momentum is lower than that of classic products;
closing the old account and opening a new one after the expiration of the card, which creates problems for the transfer of salaries.

Unnamed bank cards of Sberbank are in high demand due to considerable advantages. Consider the features of the product, its inherent limits and commissions, as well as the rules for receiving.

Advantages and disadvantages of the Momentum card

The unnamed Sberbank Momentum card is offered today in two variations, based on the type service system: Maestro and Visa.

Advantages of the card

Compared to the classic product, it has a number of advantages:

Receipt occurs at the time of application. Plastic is already available in every department. Since the name of the owner does not need to be indicated on the card, the issuance is not delayed.
Receipt and service is not burdened by the collection of fees. The primary level product is available to everyone.
Ease of design. You only need to have your passport with you.
A set of possibilities. The card allows you to carry out the main Bank operations, incl. remotely.
Additional benefits are expressed in the use of the Sberbank bonus program and promotional offers from payment systems.

Cons of the card

But in order to consciously choose an unnamed Sberbank card, it is much more important for the consumer to study the cons and limitations. The main ones are:

Internet payment restrictions. Many sites for security reasons do not allow paying for non-named products online.
It is prohibited to issue a card as a salary product.
It is not possible to withdraw cash from ATMs of other institutions.
Plastic cannot be replaced or restored. In case of loss, it is permissible to issue only a new product, linking it to current account. Resources from it are available for withdrawal in the department.
It is not allowed to open a second card of the same format.
Cannot be used outside the country.

Features of debit and credit cards

Nevertheless, many will be interested and quite satisfied with the list of opportunities that Sberbank provides for the product.

Features of a non-named debit card

An unnamed debit card allows you to:

Receive transfers.
Send payments to companies, incl. for utilities.
Transfer money to individuals.
Connect services for remote control: mobile and Internet banking.
Set up automatic payments.
Transfer funds through terminals and ATMs.
Withdraw cash.
Activate the "Thank you" project to use discounts in partner companies.

Features of an unnamed credit card

An unnamed Sberbank credit card has similar capabilities, but it is available only by prior agreement. The institution offers to receive such a product only to current customers in one of the following areas:

salary project;
receiving a pension;
consumer credit;
the presence of debit plastic;
having a contribution.

The maximum limit on the card is 120 thousand rubles, but each client is approved in advance by a certain amount. An offer with a pre-approved amount is received via SMS or through the online banking service.

Also, acting as a client, you can always inform the employee about your desire to become the owner of a credit card. After a while, he will be informed about the value available to him. No interest is charged for the use of the loan if the debt is repaid within 50 days. The rate in case of non-compliance with the grace period is charged from 25.9%. After repayment, the amount becomes again available for new consumption.

Terms of receipt and limits on Momentum

The instruction on how to get an unnamed Sberbank card is quite simple. A citizen needs to go to the office and fill out a form, where they indicate the parameters of the desired product. If there is a need for a credit card with a pre-approved limit, this should be indicated in the application form. The employee, having verified the parameters and passport data, prepares an UDBO agreement.

It allows you to combine all accounts and cards in one space, which makes the control and management of resources easier and more transparent. Signing him favors binding rule to open any account in Sberbank. This is followed by the signing of the document and the issuance of the plastic itself. The operation takes place in a very short time - up to 10-15 minutes.

Debit card fees

In order to properly manage the card, you should be aware of the commissions and limits that are provided for it:

receiving money per day: up to 50 thousand rubles;
monthly limit: up to 100 thousand rubles;
withdrawal fee: none;
commission, over the limit: 0.5%;
commission upon receipt through a branch of Sberbank related to another territorial authority: 0,75%;
payment by card per day: up to 100 thousand rubles;
admission per day: up to 10 million rubles.

Credit card fees

Unnamed Sberbank card credit type has slightly different parameters on a number of points:

receipt through an ATM: up to 50 thousand rubles;
through a branch: up to 150 thousand rubles;
in other organizations: up to 150 thousand rubles;
commission: 3%;
commission when withdrawing through other organizations: 4%.

findings

As you can see, unnamed Sberbank cards are very beneficial to use. Both credit and debit cards have the same receipt rules - instant production in the office, which is why this product is called Momentum. Among the main disadvantages of using an unnamed card are restrictions on online shopping, withdrawing funds from ATMs of other banks, as well as the impossibility of linking a card to a salary and a one-time opening. But still, many people choose this Sberbank product because it allows you to enjoy all the benefits and bonus programs of the bank, is easy to use and maintain, and has a lot of positive reviews.

Increasingly, banking institutions are offering users a modern banking product called a “nominal credit card”. The ease of obtaining and using this type of credit cards makes them very popular among the population. For those who do not want to spend time collecting and submitting a voluminous package of supporting documents to a bank institution when receiving a personalized credit card, a quick credit card is the most suitable choice.

What is an unnamed credit card

An anonymous bank card is called an unnamed bank card, on which a bank institution puts a certain amount. These cards are issued in established by the bank quantity and do not contain the details of the cardholder. The validity period is indicated on the card in the usual way.

The client's account is identified by a sixteen-digit code. To receive "plastic" at the bank, it is enough to present a passport. If after the expiration due date the card was not purchased by the client, it is subject to mandatory destruction.

Nameless cards can be of different payment systems

The conditions for issuing non-personalized cards do not allow automatically transferring them to the status of personalized cards. Banks do not provide such services. In addition, in order to receive a personalized credit or debit card in most institutions of the Bank of the Russian Federation, you must provide a voluminous package of documents. First of all - a certificate of income of the client for the last six months. The policy of banks regarding the reliability of customers is very diverse. For some, it is enough that the applicant is listed at the last place of work for no more than a year. Other banks set a strict condition - from three years at your last job.

But some of the advantages of personalized credit cards are gradually moving to impersonal banking products. Previously, such "plastic" was produced without the ability to pay through popular electronic payment systems. They were useless abroad. Recently, banks provide customers with unnamed cards of MIR, Visa and MasterCard payment systems. The bearer may be asked to sign the check or present a passport. If the "plastic" is presented for payment by the owner himself, there should be no problems.

Before purchasing from a bank, it is necessary to clearly understand the purposes for which the card will be used. If with its help the owner is going to make payments via the Internet, it is necessary to make sure that the three-digit CVV code is indicated on the reverse side. A special security code is required for presentation by almost all online stores. If there is no such code, it will be impossible to pay for anything via the Internet.

Advantages and disadvantages of unnamed cards

Non-nominal credit cards There are a number of advantages that have made them a popular financial instrument:

You can get a card in just a few minutes after applying. This does not require the execution of an additional package of documents and the expectation of an official verdict of a banking institution;
the card is anonymous to a limited extent. If it ends up in the hands of an attacker, it is impossible to find out the name and surname of its owner without the bank's database;
non-named cards are cheaper than others banking products. Many banks advertise them as cheap and free of charge;
With the help of such cards, you can pay for the purchase of goods and services on the Internet.

Non-named cards have their advantages and disadvantages.

However, along with the undeniable advantages, such a "plastic" has significant disadvantages:

a class of cards issued without the owner's name allows non-cash transactions with a limited number of services. Usually this is Electron or Maestro. On a trip abroad, an unnamed card turns into a useless piece of plastic if it does not have a CVV code. This puts an end to the owner's intentions to pay for services or goods via the Internet, book a hotel room or rent a car;
if the card fell into the hands of intruders, you can say goodbye to the funds remaining on it. Since its use does not require authentication of the owner, anyone can pay with an unnamed "plastic";
unnamed cards can cause legitimate interest cashier accepting the instrument for payment. He has the right to verify the signature on the card with the signature on the check. If they do not match, the buyer who presented the "plastic" for payment may have problems;
without carrying out a full verification of personal data, the bank has the right to significantly increase the rate on the loan, issuing to the applicant such payment instrument.

What Russian banks offer

Accessible form of use credit funds became an impersonal bank card of Sberbank. Users are offered a debit instant card. Free registration of "plastic" takes only ten minutes. She takes part in the Thank You from Sberbank bonus program. Thanks to this scheme, you can exchange bonuses for discounts when buying goods and services with a card in partner stores. The advantage of purchasing such a card is the possibility of using it abroad. The Sberbank card works in Visa and Master Card payment systems.

Gazprombank offers customers to purchase an unnamed "Gift" credit card. To purchase a card, no identification documents are required. The Bank does not identify the recipient of the card. Such "plastic" is an excellent souvenir for March 8th Day or a birthday present. You can pay by card wherever the Visa payment system is supported. In addition, the recipient's funds can be withdrawn from the account to pay for services via the Internet.

Other leading banking institutions of the Russian Federation also offer unnamed banking payment instruments:

BIN Bank.
Alfa Bank.
Tinkoff Bank.
Raiffeisen Bank

A card without a holder's name is a convenient payment instrument. The small amount of funds provided by the bank to the client is more than offset by the speed of the registration procedure and ease of use. The choice and purchase of such a card will take the client a minimum of time.

Non-nominal bank cards doubtful future

A fly in the ointment in a barrel of honey

The card without the name of the holder has become popular among the general population of Russia. Getting it is not associated with the cost of time and nerves, and the cost is extremely low. The ease of obtaining and using unnamed cards has become the subject of careful study of the highest state structures of the Russian Federation. Prime Minister Dmitry Medvedev said that in the near future, the use of unnamed "plastic" and electronic means of storing currency to pay for services via the Internet may be blocked.

The reason for such a tough treatment of financial authorities with a popular banking product was the widespread use of electronic payment instruments for laundering proceeds from crime. To carry out the plans of the government in State Duma a package of amendments to the law on national payment system RF. The leitmotif of the bill will be a ban on cash receipts Money using depersonalized bank cards. Funds from such cards must be transferred individuals to IP accounts or legal entities or to registered bank cards.

Despite the serious tone of statements by Dmitry Medvedev and other officials who are directly related to the Russian financial market, it is hardly worth being afraid of the upcoming changes. The share of unnamed bank cards in the market is negligible. Banks are not willing to invest big money in the service of such payment instruments. logical in this case there seems to be a ubiquitous shift of borrowed funds from non-named customers to the more popular, named credit and debit cards. Part of the clients will be automatically eliminated, as they will not meet the requirements of banks.

More serious in this case is the ban on withdrawing funds from electronic wallets. In this segment financial market gigantic sums in various types of currencies rotate. The process is absolutely not controlled by financial authorities, since, by analogy with the cryptocurrency market, it is almost completely decentralized. One of the means of combating money laundering is the identification of wallet owners. Unlike the market of non-nominal banking products, such actions of state financial authorities will not suit all owners of electronic money storage facilities.

perspective

It can be argued that the unnamed bank cards as a payment instrument in the near future they will cease to play a significant role if the Ministry of Finance and the Central Bank achieve their goal and establish full control over financial flows. Bank customers should be prepared for the fact that a visit to the bank in order to issue a credit or debit “plastic” will be associated with checking a large number of various financial documents. And the agonizing wait for the bank's verdict on the client's request. As the saying goes: “Time is money!”.

Banks have recently been trying to attract customers with interesting and quite beneficial conditions using debit cards. Each card has its pros and cons. Debit cards are divided by class, type and status. Today we will look at two types - an unnamed debit card and a registered debit card, and what are their differences?

Personalized debit card

As is already clear from the name, a personalized debit card is tied to a specific user and, among other details, has one of the main ones - or rather, the client's first and last name. Also, personalized cards are made directly or in a different way, all the details from the card number to the expiration date are convex on the plastic.

This is done so that you can make offline purchases using slips from this card. Truth in given time this payment method is already becoming less popular, but in some places where there is no Internet, you will not be able to make a purchase otherwise.

Name cards have higher privileges as well as status. Almost all cards except and are issued with the name and surname of the owner. Additional details allow you to use the card and make purchases in online stores, and make transfers of funds using online services.

Also, a personalized debit card has a wider range of possibilities. You can also make purchases on foreign websites and even make transfers using third-party banks. A personalized card issued in payment systems and allows you to make purchases and withdraw cash from ATMs in any country.

All the best and highest status cards with perks like or MasterCard Platinum registered and, in addition to this attribute, also have a special security code CVC2 and CVV2, which is practically not found on any non-named card.

Unnamed debit card

An unnamed card is usually issued in two statuses of payment systems - Visa Electron and Maestro Momentum. These cards are also called instant issuance cards in a different way, because they are issued to you almost immediately, as soon as you have written an application at the bank.

The card has almost all the details and is also linked to your bank account, but the card itself does not have a First and Last name and therefore is not named. Such cards are often issued not embossed, that is, they are completely smooth and it will not work to make a slip from them.

Also, this card is not accepted in most online services and online stores. Firstly, due to the fact that there is no main requisite - the name and surname of the owner of the card. Secondly, such cards usually do not have a special one that is needed to make purchases online.

But due to a personal account that is linked to the card, you can still make various transfers and some purchases online through your personal account on the website of the bank itself, or through a special application from your bank.

Usually this card is used for purchases in stores where there are standard POST-terminals. Old unnamed cards were usually issued without a chip, but now almost all cards already have a chip and can be accepted everywhere.

You can withdraw cash from your bank's ATMs. You will not be able to use card data abroad, since unnamed cards are not accepted there, even in such international payment systems.

This is due to the fact that the name and surname of the bank client is one of the main details and it is impossible to complete the transaction without it. Despite the fact that bank unnamed cards have a low status, this map very common in our country.

What is the difference between an unnamed debit card and a registered debit card?

In principle, there are quite a few differences, but the most important thing is that the idebeennaya has a first and last name, and because of this requisite, the card gets a wider range of possibilities: payment via the Internet, as well as transactions abroad.

An unnamed card is usually free or very inexpensive in annual service, but a nominal one, depending on the status, can cost several thousand rubles a year. That is why many take an unnamed card - if you do not need to constantly make purchases on the Internet, and you are not going on a trip abroad.

An unnamed debit card is quite advantageous, as you already have a bank account and you pay almost nothing for maintenance. True, the cost for SMS informing will cost you full price, and on some personalized cards this service is free.

Unnamed cards are often taken in order to pay with them in the store, to receive a salary and pension in a small amount. An unnamed card has a rather small withdrawal limit per day and per month, but it is enough for an ordinary average citizen of our country.

Both of these cards can be connected to a number of services from SMS banking to Internet banking and mobile banking. Each of these services helps you to more accurately control your funds on the card and keep track of all transfers and purchases. Some banks allow you to issue additional cards on an unnamed plastic linked to the same account.

Conclusion

It has a number of advantages, at a fairly low price, and at the same time it is much more profitable than most personalized cards. True, there are a couple of disadvantages, because of which these cards may not be suitable for many. Here everyone decides which card will be better and both of these debit cards are good in their own way.