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Maximum Income debit card from Loko-Bank
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Articles about debit cards
About the card
"Maximum Income" — a review of a banking product
Plastic payment cards are in high demand due to their accessibility, and every bank wants to have us as a client. Financial institutions attract users with favorable terms, various bonuses, and other privileges. Loko-Bank is no exception, having launched the "Maximum Income" debit card, which can be maintained in RUR/USD/EUR.
Do you know what the word "debit" means? If you look at the Latin translation, it means "they owe us." That is, the bank owes you a certain amount that you deposited onto the card and returns it upon your first request.
Loko-Bank Maximum Income: terms
Every applicant is looking for a profitable banking product, which is why they choose the best cards with cashback or interest on the balance. Loko-Bank understands this and offers good terms.
- Account maintenance
Maintenance will cost 499 RUB per month. You can use the card for free if you keep at least 40,000 RUB in the account every day. No commission is charged if you spend at least 40,000 RUB every month in LOKO-Online.
- Interest on account balance
According to Loko-Bank's terms, the bank accrues between 5% and 5.5% on the "Maximum Income" card balance. The maximum interest rate applies in the month the payment instrument is activated, as well as in subsequent months if the daily balance is at least 100,000 RUB. You must also purchase goods or make payments in LOKO-Online for the same amount. If the conditions are not met, the rate is 0%.
You do not need to activate additional tariffs to receive interest on the balance. Once the interest is paid, you can spend it on your own needs.
- Cashback
Cardholders receive 0.5% back on purchases. Cash back is possible exclusively for purchase transactions made with the bank card (using its details). Cash withdrawals, transfers using the card (or its details), and other operations not intended for paying for goods do not qualify for cash back. The maximum monthly cash back amount is 15,000 RUB.
As part of quarterly promotions, 10% cash back is accrued.
- Issue fee
There is no fee for issuing the primary "Maximum Income" debit card. You can also order additional cards for the account for free, but (!) no more than 3 cards. Residents of Moscow and regional branches can order urgent issuance for a fee: 500 RUB for the capital and 2,100 RUB for residents of other regions. In case of loss of the card or PIN code, you will also have to pay 500 RUB. The bank will charge half of this amount if you need to order a new card due to a change in the client's first or last name.
- Cash withdrawal fees
For cash withdrawals using the card at cash desks and ATMs of other banks, the commission will be 1% of the amount, but no less than 100 RUB.
Terms
Citizens who meet the following requirements can apply for the "Maximum Income" debit card:
- Age of majority.
- Russian citizenship.
- Permanent registration, as well as residence in the area where the financial institution is present.
- A work phone number and email address. These will be required while filling out the application.
- Age: 18 years and older.
- Citizenship: Russian Federation.
- Registration: permanent or temporary within the Bank's service area.
- Mobile phone: required.
- Email: mandatory.
User reviews confirm how easy it is to obtain this banking product. Cards are applied for through our service.
- Click the virtual "Apply for card" button.
- Fill out the application form on the bank's official website with the required information.
- Submit your application and wait for a decision.
Once the application is received, a bank representative will contact the applicant to clarify certain details. As soon as the plastic card is ready, an SMS message will be sent to the specified phone number.
The card comes with additional services, both paid and free. Monthly account statements, the LOKO-Online service, and SMS banking can be ordered free of charge. Card transactions can be blocked free of charge upon the holder's request.
A duplicate account statement costs 100 RUB, and a copy of the initial payment document costs 250 RUB. If the holder wishes to initiate an investigation to dispute a transaction, they must pay 1,200 RUB.
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Answers to questions
How can I activate the card?
To do this, use the mobile app (button for setting or changing the PIN code). Card activation is also available by phone at 8 800 250-50-50
How do I check my account balance?
To check your account status, use your personal account on the bank's official website, the mobile app, and Leto Bank ATMs. For an additional fee (15 RUB), the balance can be checked at third-party ATMs.
I forgot my PIN. What should I do?
If the PIN code is lost, you need to order a new card.
How do I block a debit card urgently?
The fastest way is by calling 8 800 250 50 50. You can also use internet banking and the mobile app to block the card. Alternatively, you can block the card at a bank branch by presenting your passport to a teller.
I cannot find the answer to my question. What should I do?
Contact a customer service representative. Phone number: 8 800 250 50 50
Customer reviews
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