Bank deposit using a bank card. Deposit, income card or savings account? What to choose? Disadvantages of savings accounts

The popularity of plastic cards among bank customers is growing every year. To keep up with the times, lending institutions offer more and more advanced mechanisms for managing funds on card accounts, launch new services and products. One of them was the accrual of interest on the balance on a bank card, often commensurate with the interest on deposits. This article will focus on the key features of such a service, its advantages and disadvantages in comparison with classic deposits.

If you want the accumulated money not to lie dead in a stash or under your pillow, but to bring income, you should take care of choosing a banking product suitable for this purpose. A couple of decades ago, the choice was limited to savings books and classic time deposits, which do not involve replenishment or partial withdrawals.

Now bank customers can choose from hundreds of offers, which can be divided into the following groups;

Time deposits without withdrawal and replenishment;
Replenishment deposits;
Deposits with replenishment and partial withdrawal of funds up to a certain "threshold";
Perpetual deposits (demand, savings) with unlimited replenishment and withdrawal;
Bank cards that involve the accrual of interest on the account balance.

The latter category is quite new for both customers and banks themselves - the first profitable cards appeared only a few years ago. That is why depositors unfamiliar with the peculiarities of such programs often prefer more familiar deposits. At the same time, in many cases, a card with interest income would be preferable.

Basic principles of the "income card"

A profitable card is a banking product that provides for the accrual of interest on the account balance, replenishment of the card and withdrawal of funds. Such cards are distinguished from similar in principle of operation of savings accounts by a rather high interest rate - if on demand deposits it rarely exceeds 2%, then for savings cards it can reach 5-6%, that is, rates on standard bank deposits, or even exceed them... At the same time, the funds on the income card are considered by the bank as deposits, and all the conditions of the insurance and protection system apply to them.

However, it should be noted that the accrual of interest in a large amount requires the fulfillment of certain conditions:

First, the client must maintain a certain minimum card balance;
Secondly, high rates, as a rule, do not apply to significant amounts of deposits - there is a clear gradation in amounts and terms;
Thirdly, as a rule, such cards are initially issued as credit cards. And in order to get interest on the balance of your own funds, you first need to ensure this balance, that is, not use the credit limit, but use plastic as a debit one;
Fourthly, the bank may include in the tariffs additional conditions under which interest will be charged - for example, using the card at least once a month.

Benefits of cards with interest

Comparing profitable cards and deposits, you can see that each banking product has its own characteristics and advantages. Thus, interest-bearing cards have the following advantages:

If certain conditions are met, the income on the card can be higher than on the deposit, and much more than on savings accounts;
The depositor can withdraw money from the ATM account at any time and in any place, without terminating the agreement and without losing the previously accrued interest, as could be the case with the deposit;
In most cases, cards of this type are universal, that is, in addition to the possibility of storing savings, they have a credit limit;
There are no restrictions on the amount of deposits and withdrawals. In the case of deposits, the bank can set a minimum replenishment amount and a cash withdrawal threshold;
Simplified access to various online services, personal account, cashless payment for services;
In most cases, banks offer additional bonuses and cashback on profitable cards, which can be reimbursed for a certain percentage of the costs of purchases paid with plastic;
You can issue a savings card not only at a bank branch, but also online.

Disadvantages of bank savings cards in comparison with deposits

Obviously, profitable cards have a lot of advantages over deposits. But before making a final decision, you should also familiarize yourself with their shortcomings:

The main disadvantage of a profitable card is the high cost of issuing it, maintaining an account, re-issuing plastic, etc. Such expenses can significantly reduce the benefits of issuing a card with interest, or even reduce it to zero.
Example. The client issued a savings card with a 6% rate and maintained an account balance within 10 thousand rubles. At the same time, the cost of issuing the card was 300 rubles, and for maintaining an account - 600 rubles per year. As a result, his income was approximately 600 rubles, and the cost of servicing the card - 900 rubles.

On the other hand, maintaining the limit of 30 thousand, the same client would have the right to receive higher interest at a rate of 10%, and then the income would be about 3,000, which would recoup the expense and bring the depositor a profit of 2,100 rubles.
Very often, banks charge customers a commission for withdrawing cash from ATMs, which also reduces the real income from using a profitable card.
If a savings card has a credit limit, then you will not be able to get it if you have a bad credit history, without a permanent registration, and a stable income. Deposits and debit cards do not impose such restrictions.
The risk of loss of funds when using the card increases many times. In the case of a deposit, the client has only one risk - if the bank is liquidated before the end of the agreement. But even in this case, the deposit insurance system allows you to return your funds back, albeit without interest. In the case of a card, most of the responsibility lies with the client himself, since it is his rash actions that can give fraudsters access to personal data and account.
Earlier we talked about such an advantage of profitable cards as access to funds at any time. However, for a number of clients who do not know how to contain their costs, this advantage turns into a serious disadvantage. Free access to the account will not give such people the opportunity to accumulate any significant amount. The choice of a replenished deposit without withdrawal in this case would be the best solution.
The bank has the right to change the rates on the savings card, both upward and downward. As a result, it is almost impossible to predict

Who should stay on a bank card

Before making a choice - to issue a card or a deposit - you should at least roughly calculate what benefit you get in each case. Of course, it is almost impossible to make accurate calculations, but even approximate amounts will give an idea of \u200b\u200bthe situation.

Example. Above, we calculated the client's benefit from keeping funds on a profitable card. Now let's calculate the profit for the same client when placing funds on the deposit.

A client can place a deposit for 10 thousand rubles for a period in the same bank at 5.5% per annum. This will bring 564 rubles of income, taking into account the capitalization of interest. Although the interest rate is lower, due to the absence of overhead costs, the deposit for the client turns out to be much more profitable (as we remember, according to the card, all income was “eaten up” by the costs of maintaining the account).

At the same time, the bank makes registration of a deposit in the amount of 30 thousand rubles at a rate of 7%. The profit will be 2,168 rubles with capitalization. That is, in this case, keeping money on a deposit would bring about the same benefit due to the absence of overhead costs.

Obviously, in each case, depending on the rates, amounts and terms, the situation can radically change both in favor of cards and in favor of deposits. At the same time, it is possible to make only rough calculations that do not take into account the actions of the bank, the amounts of replenishment and withdrawal. It is definitely worth making a choice in favor of a profitable card if:

It is important for you to have access to your savings at any time (frequent travel, business trips, unstable income, fears of force majeure);
You need to place funds for a short period (from several weeks to 2-3 months), and at the same time would like to receive income;
You are planning to replenish your card with small amounts - for deposits, as a rule, there is a minimum replenishment limit;
You would like to have a universal card, which would be both a payment card, a savings card, and, if necessary, a credit card - with the help of such cards you can keep only one card in your wallet instead of 3-4.

When to choose a deposit

There are a number of cases when making a deposit at a lower interest rate is much preferable to a profitable card:

You cannot limit your spending and there is a risk of permanently resetting your card for no good reason. As a result, the interest accrued by the bank will be minimal, and the card turns into a regular debit account. If you really need to keep your savings and earn income, choose deposits without the possibility of withdrawing funds.
The costs of maintaining the card, cash withdrawals are proportional to the income on the card. In the best case, you will simply cover the costs with interest, in the worst case, you will go “into the red”. As a rule, there are no overhead costs for deposits.
Money needs to be saved for a long time, and you do not plan to use it. Although the profitability on deposits is slightly lower than on bank cards, keeping money on a deposit is safer. The client has no risks associated with the loss of the card, theft of personal information that would give fraudsters access to the account. In the case of a deposit, you can only withdraw the principal amount in person at a bank branch, and theft of a card tied to an account will give criminals the opportunity to use only accrued interest.
You need to plan the received interest income in advance (this is especially important in the case of large deposit amounts). An ordinary bank deposit is issued on terms clearly fixed in the agreement, which will not change during the term of the agreement. In the case of a card, the bank can either increase or decrease rates unilaterally, so it will not be possible to determine the income in advance.

findings

Both interest-bearing bank cards and deposits have their advantages and disadvantages. It is impossible to determine which of these banking products is better or worse - the final decision should be made based on your own needs. If you would like to have access to your savings at any time, then a bank card will be the best solution. If funds are deposited for a long time and a stable income is important to you, then you should stop at making a deposit. Therefore, the choice should be made after weighing your capabilities - how much you need access to the account, or the card will be a constant temptation to use the stored funds. Perhaps, in your case, it is the deposit without cash withdrawal that will be optimal.

A deposit to a salary card is one of the most popular and convenient ways to accumulate funds. Read about the procedure for its design below.

Deposits for holders of salary cards: special conditions

To attract clients to their payroll projects, banks offer them a wide range of additional services at more favorable terms than for others. One of these products is the ability to accumulate funds:

Thus, VTB 24 offers its clients, who receive a salary on a bank card, more favorable interest rates and terms of termination of the contract. It is for such investors that the VTB24 - Special program (*) operates.
Raiffeisenbank has developed a special offer for its payroll clients - the “Salary” deposit. The advantages of the product are more favorable interest rates, the ability to replenish the deposit and withdraw funds from it at any time without losing interest.

How to open a deposit to a salary card

Opening a deposit using a salary card is quite simple. As a rule, when signing an agreement for salary services, banks in a single package offer customers a deposit account and a credit one. The contract may indicate the amount of a fixed write-off from the salary account to the deposit account. It will be charged monthly after the funds are credited to the individual account.

The opening of a deposit is formalized by an additional agreement, if this is not spelled out in the main package agreement for salary services. To register it with the existing salary service, contact the bank branch with a passport and salary. The specialist of the financial institution will offer to conclude an agreement, after which the funds in the agreed amount will be automatically debited from the account.

How easy it is to replenish a deposit on a salary card

You can replenish funds to a deposit account using a salary card in several available ways:

Automatic write-off. When concluding the contract, enter the amount of the monthly replenishment of the deposit into it. Every month it will be debited when funds are credited to the payroll. This is a very convenient way. You don't have to transfer funds yourself.
Replenishment through the online banking system. To do this, go to your personal account, select the “transfer” tab in the menu, your salary account, indicate the transfer amount and write down the number of the deposit account. Then click the "translate" tab to proceed with the operation.
Account replenishment through an ATM. Many banks offer their clients the opportunity to replenish their deposits in this way. To do this, find the ATM of your bank, insert the card into it and enter the password. After the identification procedure, select "other operations" and "replenish the deposit" in the menu. Next, enter the transfer amount and confirm the operation. The names of the menu items may differ from device to device.
Replenishment of a deposit through a bank branch. This is the easiest way. To do this, visit one of the branches of financial institutions, contact the manager or the cashier. Then provide your salary card and enter your password. Next, top up the deposit with cash or a salary card.

Sberbank of Russia customers have access to a service for accumulating funds called " Money box". The service allows you to accumulate a fairly large amount almost imperceptibly for the client, which can be used for any purpose. Let's consider in more detail the features of registration and use of the deposit " Money box».

What is a Piggy bank deposit

Service « Money box»From Sberbank is designed to automate the accumulation of savings. The option has a flexible system of settings that allows you to automate the process of deducting funds from the card to the savings account, depending on the needs of the client. Using the service allows you to accumulate an impressive amount in a short time.

Service " Money box»Is not a classic deposit program, since it connects to the customer's card and savings account. The client has the opportunity to independently choose the frequency and amount of deductions of funds in " Piggy bank", Which is a savings account. Replenishment can be tied to specific actions.

The service can help not only accumulate a large amount, but also increase the amount of savings. Depending on the deposit program to which the service is connected, an interest rate may be charged on the amount of savings. The interest rate on Sberbank's deposit programs can range from 0.01 to 9% per year.

Using " Piggy banks"Is free. The terms of service do not include a fee for connecting this option. No additional fees and interest for use are debited from the client's card.

Connect the service " Money box»To a credit card is not possible. The service is designed to accumulate funds only from a debit payment instrument. First of all, the service is focused on clients who receive salaries on a Sberbank card.

How Piggy Bank from Sberbank works

Types of deposit

Sberbank customers when connecting the service " Money box»Have the opportunity to independently choose the method of accumulating funds:

Top-up for a fixed amount. When this method of accumulation is connected, a fixed payment will be debited from the client's card to the deposit account on a set date or at a set frequency
Replenishment from credits to the card. The client has the opportunity to deposit funds to a deposit account from each receipt of funds to the card. The client sets the percentage that will be debited from each receipt
Replenishment from expenses. This method of accumulating funds involves linking deductions to the deposit account to the client's expenses. The owner independently sets the percentage of write-offs. In such a situation, for any expenditure of funds from the card, a certain amount will be transferred to the deposit account, the amount of which will depend on the amount of the client's expenses.

Regardless of the method of accumulation, the client has the ability to limit the maximum withdrawal amount. For example, if, when replenishing the card for any amount, the deposit is transferred 10% on the amount credited, but the client sets a limit on the amount to be debited 300 rubles, then when replenishing on 6,000 rubles write-off will not occur.

If there are not enough funds on the client's account to be debited, then the funds will simply not be transferred on the set date. The balance of the card will not go into negative territory, but if within 10 days it is replenished with the required amount, then it will be debited.

Balance check

There are several ways to check the state of the balance of the deposit account to which the " Money box»:

sms alerts
use of the service Sberbank Online

When the service is activated, it automatically connects to the SMS notification service. In case of any debiting of funds from the card, the client will receive SMS messages indicating the withdrawn amount and the state of the deposit account.

To check the balance through the service “ Sberbank Online»You need to do the following:

enter your personal account
go to section Deposits and accounts
find the account to which you are connected Money box", And see its balance

Piggy bank connection methods

There are several ways to activate the service, which we will consider in more detail. It should be noted that in order to use the service, you must first take care of the availability of a debit card and savings account. To plug " Piggy bank»Can be added to any replenished Sberbank deposit.

Through Sberbank online

To connect via the Internet on the Sberbank Online service website, you need to perform several steps:

log in and go to the section Cards
select the one to which you want to connect the service, then click on Operations and select item Connect piggy bank
indicate the name, card for debiting and account for crediting funds, as well as the method of accumulation
click on the link To plug

Via Mobile Bank

One of the easiest ways to connect the Piggy Bank service is to use the service Mobile bank". In such a situation, the sequence of actions should be as follows:

enter the application and open the menu of the card to which the option is connected
select item Connect piggy bank
choose an account to accumulate
choose a way of accumulation and press Proceed
confirm the operation by clicking on the button Create piggy bank

By phone

You can activate the service by phone:

call the number 8 800 555 55 50 (calls within the Russian Federation are free)
ask the operator to connect the service " Money box»
go through personal identification (answer a secret question and provide passport data)
follow operator's instructions

At the bank branch

To connect a deposit at a bank branch, you will need:

come to the nearest office of a financial institution with a card and passport
in the absence of a savings or savings account, write an application for its opening
contact the operator to connect the service

Withdraw funds

You can withdraw funds from the "Piggy Bank" in several ways:

via Sberbank Online
via ATM and self-service terminal
in the department

To withdraw funds via the Internet in the Sberbank Online system:

select a section Transfers and payments
select item To your card
select a card for crediting and an account for debiting
confirm the operation

To top up via ATM or self-service terminal:

select a section Translations
open item Between your cards
choose card and account
confirm the operation

To withdraw funds at the branch, you need to contact the cashier with a request. For personal identification you need a card and passport.

Disable and change settings

You can disable the service using Sberbank Online:

in chapter Deposits and accounts select the account to which the service is connected
to push Disable piggy bank
confirm the operation

To change the settings of the service, under the account name, you need to press the inscription "Piggy bank"

Sberbank offers its customers a convenient and free Piggy bank service, which is provided to individuals, holders of bank cards. This service can be used for systematic registration of money transfers from the client's card account to his own account.

The main thing in the bank's proposal is that the Service works under the obligatory observance of the condition under which both accounts participating in the operation are opened within the same territorial bank of Sberbank of Russia.

Piggy bank service is a Sberbank service that allows you to automatically transfer funds from a debit card account to a savings account or a client's deposit.

« Piggy bank »Sberbank is a free service of Sberbank, with the help of which the client can conveniently and comfortably transfer his funds to the desired account to accumulate them in order to achieve the intended goal, in cases where the monthly income of funds to the family budget for these purposes is not enough.

And the free provision of such a service by Sberbank is understandable - the service should stimulate the client to voluntarily transfer funds to the deposit, initiating at the same time the attraction of additional credit resources for the needs of the bank.

Clients are provided with a choice of a convenient algorithm for accumulating funds, by:

transfers of a specific percentage of the funds received on the card,
transfers of a specific percentage from an expense transaction,
transfers from an account with a fixed amount on a specific date set by the client.

So, based on the above algorithms, Sberbank offers customers a choice of three types of Piggy Bank service, namely:

« Fixed amount piggy bank", This is when a client transfers funds for a certain fixed amount.
The transfer is carried out by order of the client from his card account to his savings account / deposit on a date specified by him (day of the week) and with a specified frequency (once a week / month / quarter / year).
« Piggy bank from credits»- this is when a transfer of funds from the client's card account to the client's savings account / deposit in the amount determined as a percentage of the amount of any funds credited to his client's account.
When calculating the amount credited to the card account, any credits for transfers made by a non-cash method (crediting of salaries, scholarships, pensions, payments and benefits, credits from other credit organizations) are taken into account. As part of the service, the client can limit the maximum transfer amount.
« Piggy bank from expenses»Is a transfer of funds from the client's card account to the client's savings account / deposit in the amount determined as a percentage of the amount of any debits from the card account, no later than the day following the day such transactions are reflected on the card account.

When calculating the transfer amount, transfer transactions between the Customer's accounts opened with Sberbank, cash return transactions, loan repayment transactions with Sberbank, and payment for the Bank's services (commission) are not taken into account. As part of the service, the client can limit the maximum transfer amount.

Rostislav Yanykin, Director of Bank Cards and Cash Management Services at Sberbank, commented on the introduction of the new service to customers as follows:

“One of the global tasks of Sberbank is to build the deepest and strongest relationship with the client. We want Sberbank's products to become an integral part of his life. We understand that the client is not always able and willing to take out a loan, while there is a need to purchase something. "Piggy bank" allows the client to accumulate the necessary amount almost imperceptibly in a convenient mode ".

It is worth emphasizing that the connection to the Piggy bank service is available only to Sberbank customers - holders of international debit bank cards that are connected to the Mobile Bank service. So, today the Sberbank Piggy bank service is not available for the following debit cards of the Volga and North-West banks of Sberbank, issued before 10/01/2013:

sberbank-Maestro cards.
sberbank-Maestro "Social" cards

It is possible that the Mir card is not yet connected to the Piggy bank service, because it does not yet apply to international cards.

How Piggy Bank works

You can activate the Piggy Bank service in the Sberbank Online Internet bank through the Operations menu for cards or deposits. In the future, the service will be available for registration in Sberbank branches and a mobile application.

When the funds are transferred to the account or deposit, the client receives the corresponding SMS from the number 900, so he can track the process of accumulating money.

How the Piggy Bank Service works can be seen in two examples:

Replenishment by deducting a fixed amount from the receipt

The transfer of the amount will be carried out on a date selected by the client with a specified frequency (for example, once or twice a month, after the days of crediting the advance payment and / or salary to the card account).

Basic conditions of the "Piggy bank" service

The main conditions for the provision of the Piggy Bank service are as follows:

To make transfers using the service, a Sberbank client must have two accounts - a card account and an account for accumulating funds (a savings account or a replenishment deposit);
All accounts involved in the transfer of funds must be opened in the same regional bank of Sberbank;
Accounts can be opened in rubles, US dollars or euros;
Funds are transferred from a debit card.

How to connect the Sberbank Piggy Bank service

At the moment there is only one way to connect a piggy bank - this is a service. That is, in order to connect the "Moneybox" to your card, you need to connect the above service to it. If you have not yet connected Sberbank Online, you can find out how to connect it on the Sberbank website.

Step-by-step instructions on how to connect the "Piggy bank".

Log in to your personal account in the Sberbank Online service, specifying the ID and password.
Opposite the card to which you want to connect the piggy bank, there is a tab "Operations". In the drop-down menu, select the line "Connect piggy bank".
Next, we set the settings.
You can give a name to your piggy bank. For example, "to the Maldives", "to Mazda", "to the refrigerator".
If there is only one card, it will be automatically selected as a debited card. If you are the owner of several Sberbank cards, you need to choose one of them.
We choose the type of piggy bank. If you chose "fixed amount", then select the frequency of crediting, indicate the date of the next replenishment and indicate the amount of replenishment.
If you chose "percentage of credits" or "percentage of expenses", then we indicate the percentage itself, for example, 5% or 10%. We also indicate the maximum amount of replenishment. If the calculated amount for replenishment exceeds the specified maximum replenishment amount, you will receive a request from the bank asking for confirmation of this operation. To confirm, you will need to send a reply SMS. If the request is ignored, then the replenishment will occur for the amount that you specified as the maximum.
Click "Connect". Then we check the settings and click "Confirm". The piggy bank has been successfully created.

If you need to make changes to the settings of the Piggy Bank service, this can be done in the Deposit Information tab to the account to which the Piggy Bank is connected.

How to disable the "Piggy bank" service in Sberbank

You can also disable the "Piggy Bank" service in Sberbank, for which you need to perform the following steps:

Go to your personal account in the Sberbank Online system.
Select the "Deposits and Accounts" tab in the upper horizontal menu.
Click on the account to which the piggy bank was created.
Select the "Piggy bank" tab.
Here is information on your piggy bank. Click on the name of the piggy bank.
In the "Operations" tab in the drop-down list, select the "Disable" item. We confirm our intention by clicking "Disable" again. Your request has been sent to the bank. The piggy bank will be disconnected.
The next day, you need to make sure that the service has been canceled by the bank by going to the "Deposit Information" tab.

Banking organizations provide customers with a huge number of products that help them use both the bank's services and their own funds. Basically in our country they use two types of cards: debit and credit. What is a deposit card?

Debit card "Platinum" VTB 24

Is there a concept of a bank deposit card?

First, let's take a look at what a Deposit is. A deposit is a contribution of your funds to a bank account, on which interest from the principal amount of money accumulates during the year or the period established by the agreement. Usually, the Deposit has a fixed amount of funds for which accruals go.

Does this mean that a deposit card is. And here I immediately want to understand something, in fact, there is no clear concept of a “deposit card” in a bank, because a deposit and a card are a little different things.

Most often, when people search for this request on the Internet, they mean just "profitable debit cards" with a percentage on the balance, that is, those that allow you to receive interest for a certain amount on the card balance.

Yes, there are some banks that have understood the confusion of these concepts and are using it on the Internet. Since there are many requests for such a phrase, there is no clear answer.

So banks are trying to attract more customers to the bank, but there is no such thing as a "deposit card" and never existed. So perhaps you most likely meant with the account balance as a percentage.

Profitable or savings debit card

At the moment, profitable or accumulative debit cards with a percentage on the balance are the most, since you can not only keep your funds and use them, but also multiply your own money at a certain percentage.

If you look at debit cards with a percentage on the balance, then the percentage itself is quite high, there are some cards that have up to 10% per annum on the balance, which is quite a lot even for some deposits.

True, this card has a couple of nuances. Many cards have a minimum threshold for the percentage on the balance - it usually shows at what minimum amount on the balance your percentage will fall.

There is also a maximum threshold for interest on the balance - this is the limit to which the interest itself is calculated. If this threshold is exceeded, the percentage can either fall, or will no longer accumulate or be charged.

The percentage itself falls every month as a percentage per annum. With large enough amounts, you can accumulate quite a lot per year. Often, such cards also do not have an annual service, or the cost is significantly reduced compared to conventional debit cards.

Debit card

Many also mean just an ordinary debit card by the meaning of "deposit card". ordinary plastic with all types of protection from the bank, issued under a specific payment system and having a regular debit or savings account with the bank. You can manage the account as you like, keeping your funds on it, spending them and making various transfers.

Is the money on the deposit card insured?

It's no secret that the bank deposit is insured by. And if the bank's license is revoked, the bank's clients with deposits will receive compensation, but not more than 1,400,000 rubles.

But is the income debit card with interest on the balance also insured or not? Let's take a look at the ABC insurance rules. It says that almost all deposits and bank accounts are insured, including debit cards, which also have a client's bank account.

That is why your "Deposit" or debit card with interest on the balance will also be insured and in case of an insured event from ABC you will receive compensation to your account.

How does a deposit differ from an income card?

A deposit is a deposit in a bank to a bank account that you cannot use, and if you withdraw at least some of the money, you will lose interest. Usually, a Deposit under an agreement is made for a certain period of time from half a year. It also has a certain amount, but there are also those deposits that can be replenished.

A profitable debit card also has an account, but you can safely use it. You can withdraw and replenish your account and not be afraid that your interest will burn out, as they are calculated daily.