World map in Ak Bars Bank - what is this new product? “World” card from Ak Bars for public sector employees: pros and cons of Tinkoff Mobile vs “Let’s Talk” of Sberbank
Peace in the home is the most important thing for every person. Family hearth should always be warm, and the house should be comfortable and convenient for gathering big family. Create family comfort with the “world” map.
“AK BARS” Bank and PS Mir offers a new promotion “Peace to your home!”, in which AK Bars Bank gives its clients the opportunity to win 800 thousand rubles for apartment renovation, as well as other nice prizes for your home.
Promotion period
The promotion starts on October 1, 2018, and ends on December 31, 2018.
The promotion is divided into 3 stages, by month. Purchases can be made throughout the month. Prizes are issued on the 16th of the current month.
Prizes are awarded every month.
Who can participate in the promotion?
All legally capable and adult Mir card holders who are not employees of this bank and their relatives can take part in the promotion.
What do you need to do to participate in the promotion?
Just make purchases at any merchant and pay for services using the “Mir” card, register on the promotion website and participate in the prize draw.
The number of purchases is not limited, however, the promotion does not take into account transactions made through ATMs, payments mobile communications, replenishing a virtual wallet, paying for casino and bookmaker services, and more than five purchases in 1 store in 1 day.
Prize fund of the promotion
Prizes are drawn by month with the exception of the main prize of a certificate for 800 thousand rubles for payment building material and repair work. There is only one main prize to be won. The prize drawing will take place in January 2019.
The following prizes are awarded every month:
- 30 OBI certificates for 1 thousand rubles each (Certificates No. 1)
- 20 certificates at IKEA for 3 thousand rubles. (Certificates No. 2)
- 10 certificates for hypermarkets of household appliances MVideo. (Certificates No. 3). As well as a cash reward in the amount of 2,692 rubles.
How will the prize draw work?
The organizer will use a special formula to select the lucky ones, which will be used to determine the winners of the promotion. The formula is spelled out in the rules of the promotion.
When does the prize draw take place?
The monthly prize draw takes place after the 16th of each month.
A participant of the promotion can receive only 1 prize during the entire duration of the promotion.
How will winners know that they have won prizes?
The operator of the promotion will notify the winners by phone specified during registration, or through notifications on the promotion website, as well as by email.
After receiving the notification, the winner is obliged to provide the organizers of the promotion with the necessary information for awarding the prize within 72 hours. Namely: a photocopy and scan of the passport, TIN, copy of SNILS. After receiving the prize, sign the receipt of the prize.
To receive the main prize, you must provide the same documents. The data provided by the participants of the action is available only to the organizer of the action and is not subject to disclosure.
Presentation of prizes
Monthly prizes are awarded by sending a certificate to the winner's email address.
The main prize is also awarded by sending an electronic certificate to the mail of the winner of the promotion prize.
The rules of the promotion can be found on the official website of the promotion.
Bank AK Bars promptly received a license to issue payment cards of the domestic Mir system and became an issuing bank, offering its own conditions for servicing clients. The “Mir” card of AK Bars Bank is issued according to generally accepted conditions, which require separate consideration, which is what this material will be devoted to.
The state payment system has been actively developing over three years and has been optimized for comfortable operation budgetary organizations, pensioners and private companies.
State employees and pensioners must use the Mir plastic card without fail, which corresponds to the official card replacement schedule:
- from July 1, 2017 to July 1, 2018, all budgetary sectors of Russia must be transferred to new cards; payments to other cards after this period will not be possible. The client can replace the card either in accordance with the official schedule or individually by writing a corresponding application to the nearest bank servicing this program;
- from July 1, 2017 to July 1, 2020, all pensioners must receive new cards. If the client due to physical condition or because there is no ATM or service office nearby, he cannot withdraw money - he has the right to refuse a plastic card and receive a pension in cash through the postman.
Private companies and credit offers can be independently connected to Mir for an additional fee.
Cost and tariffs
The cost of replacing a card is free in all cases. Services for public sector employees are offered at a significant discount, the amount of which is set individually and will be communicated by the operator when issuing a plastic card. Pensioners receive free service. For these purposes, 2 tariffs were developed: “Debit” and “Pension”, which have different amounts included functionality.
The solution for pensioners received not only good discount for maintenance, but also the possibility of passive accumulation of funds in the form of 8% per annum every month on the current balance of funds. Pleasant bonuses There will be a free SMS notification about the accrual of funds.
The government replacement program offers benefits only to state employees and retirees.
All offers received expanded access to the user’s personal account and the bank’s mobile application.
How to activate the “World” card of AK Bars
The card is activated automatically immediately after performing any financial transaction or viewing the balance. Also, the operator can perform this operation manually. Salary card“Mir” AK can be activated even at an ATM or information kiosk.
In connection with the change in the geopolitical situation and the conditions for cooperation with international partners, Russia created its own payment system called MIR. Many banks are engaged in issuing it, including AK Bars. Anyone can apply for a WORLD card at AK Bars. Let's talk in more detail about what kind of card this is and what are the conditions for its use.
Terms of service for the MIR card in AK Bars
The MIR card is serviced at retail outlets that have suitable software, as a rule, they have a branded sticker on the terminal. It is obvious that while promoting the national payment system, banks set favorable tariffs for card servicing.
Cost and tariffs
The cost of a MIR card in AK Bars is 200 rubles per year. It is issued free of charge, but the annual fee is usually charged immediately. Validity period is 2 years from the date of issue.
According to the tariffs presented by the bank in 2017, the following conditions apply for clients wishing to apply for a banking product:
- Requesting a balance at a network ATM is free, at an ATM of a third-party bank - 20 rubles.
- Repeated change of PIN code on a MIR card - 50 rubles (carried out through an AK Bars ATM).
- Providing information about the last 10 card transactions through an AK Bars ATM -15 rubles. An extract received remotely is free. If you want to receive a copy of a payment document with a live seal of the bank, it will cost you 200 rubles.
- According to the terms of service, the card does not work abroad, therefore its reissue and emergency cash withdrawal abroad are carried out using it and are not charged. If you want to get a bank card and plan to travel abroad with it, consider international payment systems.
- Cash withdrawal through AK Bars ATMs and cash desks is free within the limit. On the MIR card they are set in the following amounts: 500 thousand per month, per day - 80 thousand. If you wish, you can withdraw amounts in excess of the limit from the card account by contacting the bank's cash desk, depending on the size of the required amount you will pay from 1 to 10%.
Please note that for MIR cards there are restrictions on the number of transactions and their cost per day - no more than 50 pcs. for a total amount of up to 1 million rubles. inclusive (this includes all expense transactions, including cash withdrawals, payments for goods and services).
If desired, the client can set his own limits within a week or month (remotely), as well as receive individual conditions for daily limits, based on a written application at the AK Bars offices, for example, to increase the amount of cash withdrawal.
Most of the credits to your MIR card in AK Bars are free, for example, receiving funds from others individuals from third-party banks by transfer. However, there are a number of operations for which a commission is charged (set as a percentage, but not less than 25 rubles):
- Payments from budgetary organizations, compensation from insurance companies - 1%;
- Reimbursement from insurance companies, return of amounts erroneously written off due to the fault of the Client - 1.5%.
Transfers from a MIR card account in AK Bars are subject to commissions if you make transactions through a bank branch (for example, in favor of a legal entity from 1.5 to 2%, housing and communal services - 1%), in remote mode most of the transactions are free. Only transfers to individual accounts of other banks are paid - 1% (not less than 30 rubles).
Please note that AK Bars has three different tariff collections - conducting transactions using the MIR card through RBS (Internet banking, mobile application), through AK Bars branches and through self-service devices (including terminals, ATMs, etc.) The most profitable way to use Most of the services are Internet banking.
You can find other tariffs using the following links:
As for remote servicing, connecting to the Internet banking and Mobile banking systems in AK Bars is free. The SMS notification service will be paid for:
- SMS - Informer - notifications about transactions made by the client, work in the 3D-Secure system and provision of one-time passwords for conducting settlement transactions in the AK Barsa Internet banking system. Starting from the second month of using the service, the cost is 59 rubles.
- SMS - balance - allows you to pay for services using short messages, receive information about the balance of your MIR card account and a mini-statement, and block the card. If you want to use a mobile application, you will need this type of information to confirm transactions. The first two months are free, then - 59 rubles. Please note that for sending SMS a commission from the mobile operator is charged, according to its terms and conditions.
How to apply for an individual
Applying for a MIR payment card is quite simple - you need to contact the AK Bars branch, sign the Banking Service Agreement and leave an application for the card. You must have your passport with you.
The card is issued in no more than 10 days, but as a rule, the bank does it within 5 working days. You can pay an additional 100 rubles and order an expedited issue (3 days), but you can only receive such a card at the head office of AK Bars in Kazan, or additionally pay for express delivery services to the branch where you filled out the application.
Bank card - handy tool, used by almost every resident of Russia. Many people call any cards “credit cards,” although this is a mistake. Most of the cards issued today are debit cards, that is, those that store not borrowed funds taken from the bank, but the owner’s own money. Until now, not everyone fully understands what a recreation center is and why it is needed.
What is this
The classic Mir card of Ak Bars Bank is a tool designed to pay for goods and services at retail outlets, on Internet resources, as well as for withdrawing cash from ATMs. It can be described as an electronic wallet that has replaced banknotes and coins.
The main feature is that the client uses only his own money and does not attract amounts borrowed from a financial institution. This means that you do not need to make regular payments or interest on the card.
The offer can be taken advantage of by anyone over 14 years of age and holding a passport. The service is simple to apply, the applicant does not collect certificates, does not confirm income - it is enough to present a passport and fill out an application in the selected financial institution.
Each Russian bank sets its own service rules.
Right choice
Before submitting the application form, you should carefully study the available programs. All are indicated here important points according to Classic World maps, the conditions for which are important to study thoroughly. You can proceed to filling out the application from here.
What does an applicant pay attention to when visiting the site to search for a recreation center:
- The method of protecting plastic is magnetic tape or chip. The latter is much more reliable;
- how much will annual maintenance cost?
- overdraft. A useful option that can be useful to the client, but you need to carefully study the conditions for overspending so that you don’t end up with a serious disadvantage;
- operation of remote services (applications, mobile banking, etc.);
- accrual of interest on the balance of funds.
What is it used for?
Classic World Card of Ak Bars Bank - indeed useful product allowing you to protect your savings. Third parties will not be able to get their hands on them. In addition, with the advent of these cards, the need to carry large amounts of cash with you has completely disappeared.
Very often, an account is opened precisely for the purpose of preserving and accumulating personal Money, and also used to obtain wages, pensions, scholarships, etc. Employing organizations negotiate with the financial institution on their own - clients in this case do nothing at all.
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Chargeback: how to return money to your card and not get into trouble
Paying for goods or services with a bank card is modern, fast and convenient. True, sometimes misunderstandings arise during such operations. But even if the item paid for by card is not received, the problem can be resolved without going to court - with the help of a chargeback.
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What to do if you were deceived when buying online
The average bill of a person deceived while shopping on the Internet is 15 thousand. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents because they believe that it is impossible to return the money. This is wrong. We tell you where to look for justice and how to protect yourself from scammers.
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How to lend money correctly
Situations when someone asks to borrow money are not uncommon. If there is an opportunity to help, people help. But when we are talking about a large sum, it is worth borrowing wisely, without neglecting the rules of the law. This approach will help guarantee a return.
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Cards with free insurance policy
Many people know that banks offer cards with bonuses for travelers. But not everyone knows about an additional service - free insurance for those traveling abroad. Next, we will tell you why you need a temporary insurance policy abroad, what it protects against, and what bank offers you should pay attention to.
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Cards to save on taxis
Bank card holders can save on taxis in several ways: receive cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic cards. Let's talk about the banks' offers in more detail.
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Currency transfers abroad
When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international fast transfer systems. Next, we'll talk about the pros and cons of these options.
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Aeroflot Bonus: savings and comfort
“Fly with Aeroflot planes!” - an advertisement from the times of the USSR called for it, as if people had a choice. Nowadays there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to maintain and expand their customer audience. One of them is Aeroflot Bonus, which we will talk about in this article.
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7 mistakes that bank card owners make again and again
Tens of millions of people use plastic cards in Russia, and at first glance, this does not require special talent and is accessible to anyone. But the holders with enviable regularity step on the same rake, for which they pay out of their own pockets. We talk about these mistakes and how to avoid them in this article.
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10 life hacks for Alfa-Bank clients
When applying for a deposit, card or loan, many Alfa-Bank clients do not have a complete understanding of the capabilities and limitations of a particular product. In this article we will talk about how to get the most out of what the bank offers, avoiding pitfalls.
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Where, besides insurance companies, can they impose insurance on you?
Insurance companies are in a fierce battle for customers, using a variety of marketing techniques. One of them is the promotion of insurance products through partners. You can take out a policy without even knowing it. We found 5 insurance traps that everyone risks falling into.
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How to save on conversion and exchange rates abroad
In the 90s, grandmothers sewed banknotes into secret pockets of suitcases and thus protected money from theft. Now, before going on vacation, we have to take into account exchange rates and the bank card payment system. We tell you how not to lose a lot of money when paying for purchases and withdrawing cash abroad.
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How to check the authenticity of new 200 and 2000 rubles
In 2017, Russians voted to feature Crimea and Vladivostok on new 200 and 2,000 ruble banknotes. The banknotes are already in circulation and are noticeably different in design from conventional money. Cash is equipped with special signs of authenticity, which are verified through the Banknotes 2017 mobile application.
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Creative commercials for banks: hype, banter and 18+
Are you tired of reading yet? Take a break and enjoy a selection of funny and creative videos from Russian banks. You definitely won't want to miss this ad.
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11 Tinkoff hacks for users of the largest online bank
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Eat, drink, get cashback. Top cards with bonuses in restaurants
“Tell me what you eat and I will tell you who you are,” goes a popular catchphrase. Our editors agree with this one hundred percent. We'll even go further. Tell us what you pay at restaurants and we'll tell you how much you save. We present a rating of bank cards for profitable purchases in cafes and restaurants.
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The one and only: personalized card
Every person is unique. The desire to stand out from the crowd is manifested not only in clothes and tastes, but also in the design of bank plastic. Let’s find out how much individuality costs and how to get yourself such “amenity”.
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Biometrics to the masses: how banks will identify your identity
The Unified System of Biometric Identification and Authentication (USIA) of clients has been operating in Russia since July 1. According to representatives of the Bank of Russia, by the end of 2018, 20% of bank branches will be connected to it, and the process will be completed next year. We tell you what this means for clients.
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How to return an erroneous payment
It’s hard to say how much money Russians regularly transfer to other people’s accounts by mistake. But this situation is familiar to everyone: make a mistake with one number in the details or write the wrong letter in the name of the organization, and the money will go “nowhere”. But it is possible to return lost funds. And it is necessary.
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Mobile cards from mobile operators: which one is better?
The company offers more and more new services to its spoiled clients. Mobile operators keep up with fashion and issue bank cards for subscribers. How profitable this is and which plastic is better will be discussed in the article.
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"Star" advertising: celebrities who promote banks
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Buy profitably: 5 cards for saving in supermarkets
Few people buy luxury real estate, but bread and milk are needed every day. We constantly leave thousands of rubles in supermarkets. We will tell you in this article which plastic you can use to save money on buying groceries.
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Everyone for the match! Cards for football fans
The biggest sporting event of 2018 – the FIFA World Cup – has ended. Russian fans should not be upset, because soon they will see their idols again at Premier League games. And ahead of the opening of the new season, we decided to do a little research to help readers buy stadium tickets at a good price.
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How to save on gasoline purchases by paying with a card
In April 2018, gasoline prices jumped sharply. And although the cost of fuel has now stabilized, the issue of saving when purchasing it remains relevant. By choosing the right bank card, you can return up to 10% of the cost of gasoline. We'll tell you how to spend less when filling up at a gas station.
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Tinkoff Mobile vs “Let’s Talk” Sberbank
At the end of 2017, the first virtual telecom operators, or MVNO - mobile virtual network operator, appeared in Russia. The pioneers were Sberbank and Tinkoff. Both companies use Tele2 resources. What are the features of their offers and is it worth changing your operator to a virtual one? Read on.
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Debit cards with free cash withdrawals from any ATM
When the required ATM is not nearby, and money is needed urgently, you have to withdraw it from the devices of other banks. Many people are afraid of a large commission, but in vain. Some banks allow you to withdraw cash from other people's ATMs without interest. Next, we will tell holders of which cards this service is available.
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Where is it cheaper: 10 apps for saving on purchases
To keep abreast of promotions and find out about discounts, you don’t have to surf the Internet or run to stores and collect catalogs. All you have to do is install the application on your smartphone – the developer has already done all the dusty work. We found 10 mobile apps that can help you buy common things cheaper. Choose, download and save.
