Opencard debit card from Otkritie Bank: service terms and tariffs

If you are interested in the terms of the Otkritie Avtokarta, they can be found on the bank's official website. To date, applications for this product have been suspended, although the tariffs for the Otkritie Avtokarta remain unchanged. This product has been replaced by the Opencard debit card — and that is what we will discuss.

Card terms

For the Opencard debit card, FC Otkritie Bank offers terms that are just as interesting as those for the Otkritie Avtokarta — consumer reviews only confirm this.

Cards are issued in RUB, US dollars, and euros. Each bank client can order one card of each currency + up to 5 additional cards. A fee of 500 RUB is charged for the issuance of both main and additional plastic cards. The money is debited after the very first transaction, and as soon as the total purchases reach 10,000 RUB, it will be returned to the account as bonuses.

Maintenance fee

Maintenance of the Opencard debit card from Otkritie Bank for account management is free of charge. If you connect the SMS Info service, there is no fee for the first 45 days, after which it is 59 RUB per month. A penalty is also charged on the amount exceeding the payment limit. Its rate is 1.4% per day.

If the plastic card is damaged or lost, reissuing it will cost 650 RUB. Replacing a card through no fault of the owner is free.

Cashback

The amount of bonuses depends on the selected option (Mobile Bank (MB) and Internet Bank (IB)).

Under the "Friend returns everything" option, you get up to 3% back on all purchases subject to certain conditions.

Up to 11% cashback is provided for card payments in specific categories when connecting the "Friend gives care" option. Pharmacies and beauty salons — 5% + 1% on all purchases.

Similar conditions apply to the "Friend helps on the way" option, except you get 5% on purchases in the Gas stations and transport category.

Connect the "Friend treats" option and you get 5% bonuses for visits to cafes and restaurants + 1% on all purchases.

If you love to travel, the "Friend opens the whole world" option is for you. By connecting it, you can save up to 11%.

Please note! A limit is set on bonuses. For all cards, it is no more than 15,000 RUB, of which no more than 3,000 RUB can be in increased cashback categories.

Cashback is credited to the card account on the following basis: 1 bonus ruble equals 1 RUB. If you have enough bonuses, they can be used to reimburse the cost of any purchase made with the main card. You can select any option in the mobile or internet bank.

Account top-up fees

You can top up your card account for free at Alfa-Bank's "home" ATMs and terminals. At bank cash desks without using a card, the top-up fee is 500 RUB for amounts up to 199,999 RUB, and free for 200,000 RUB and above.

Cash withdrawal fees

Cash withdrawals at ATMs are free of charge. For over-the-counter withdrawals up to 199,999 RUB, a fee of 500 RUB applies; for 200,000 RUB and above, the fee is 10% of the amount.

Transfers and payments via internet banking and mobile banking

Internal bank transfers and payments to third-party banks using account details are free of charge. You can also transfer money from cards of other banks to the Otkritie debit card with no fees. For transfers from an Otkritie card to cards of other financial institutions, a fee of 1.5% of the amount applies, with a minimum of 50 RUB.

Please note! Fees apply if the transfer amount exceeds 20,000 RUB per month.

Daily transfer limits are set as follows: Internet banking — up to 800,000 RUB per day; mobile banking — up to 300,000 RUB per day. If you need to increase the limit, please contact the contact center.

Interest on balance

If you activate the card and open a "Moya Kopilka" account at any branch of the institution, you can earn 7% on your account balance.