MTS WEEKEND debit card from MTS Bank

You will have to pay a one-time fee of 299 RUB to receive the card. Maintenance of the debit card is also paid. Its cost is 99 RUB per month. However, you can use the card for free if you meet one of the following conditions:

• pay for purchases starting from 10 000 RUB per month;
• maintain a card balance starting from 30 000 RUB.

If you want to receive information about deposits and withdrawals from the card, we recommend connecting the relevant service. The cost of transaction alerts is 59 RUB per month.

You can top up your debit card for free using the following methods:

• in cash at MTS Bank ATMs with contactless service features;
• via transfers from other banks by card number;
• via transfers from other banks by phone number through the FPS.

For transfers from a legal entity's account exceeding 150 000 RUB, you will need to pay a 5% commission.

You can withdraw cash without commission at MTS Bank ATMs up to 50 000 RUB per day and up to 300 000 RUB per month. You can also withdraw money for free at ATMs of other banks up to 100 000 RUB per month. If you exceed this limit, you will have to pay an extra 1.9%, but not less than 99 RUB. The same commission applies to cash withdrawals at ATMs outside the Russian Federation.

You can transfer money to other banks without a fee by phone number via the Fast Payment System (FPS) up to 100,000 RUB per month. If you exceed this limit, you will have to pay a fee of 0.5%, up to a maximum of 1,500 RUB. The fee for card-number transfers is 1%, with a minimum of 50 RUB.

You can also transfer money from your card for free to other MTS Bank clients and between your own accounts in different institutions up to 30,000,000 RUB per month.

This debit card features MTS Bank's standard bonus program. By paying with the card, you can receive cashback of:

• 1% on regular purchases;
• up to 5% for purchases in elevated cashback categories;
• 5% for purchases in supermarkets with the MTS Premium subscription as part of the promo campaign;
• up to 20% for purchases from partners of the Mir payment system;
• up to 25% on purchases at MTS Bank partner stores.

The maximum reward you can earn per month is 5,000 points. The bank credits these to the card in rubles.

The MTS Weekend debit card does not offer interest on the account balance. Therefore, if you have savings and want to earn income on them, we recommend opening an MTS Savings Account.

Its yield is 19% per annum for the first two months from the opening date, provided you have not had any other deposits or previous accounts in the preceding 90 days. Starting from the third month, the base interest rate is 5% per annum. It applies if conditions are not met, as well as for amounts over 2 000 000 RUB.

To receive an increased rate of 13.5% per annum, you need to make purchases of 10 000 RUB or more per month. When receiving your salary on MTS Bank cards, the yield on the savings account is 14% per annum.

Pros:

• free issuance of the primary card;
• free maintenance subject to conditions;
• free use of the mobile app and online banking;
• free top-ups at MTS Bank ATMs, via card-to-card transfers from other banks, by phone number through the FPS, and from a legal entity's account up to 150,000 RUB per month;
• free cash withdrawals at MTS Bank ATMs up to 600 000 RUB per month and at other banks' ATMs up to 100 000 RUB per month;
• free transfers between your own accounts and to clients of other banks by phone number via the FPS up to 100,000 RUB per month;
• cashback accrual of up to 25% on purchases.

Cons:

• paid maintenance if conditions are not met;
• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.