Unpersonalized bank card

How an unpersonalized bank card differs from a regular one

The main difference between an unpersonalized bank card from a regular one is the absence of the holder's first and last name on the front of the plastic. Since the instant card is not personalized, you can receive it on the day of application to the bank.

The absence of the owner's initials is not the only difference. In addition:

1. Annual maintenance. In the case of unpersonalized plastic, it is free. The cost of a personalized one depends on the tariffs set by the issuing bank.
2. Issuance time is instant, meaning on the day the client applies to the bank. Manufacturing personalized plastic takes up to 10 business days.
3. An instant card often cannot be used outside of Russia, because it is impossible to confirm the holder's identity without having their initials on it.
4. Limits on an unpersonalized card are more restricted compared to regular cards.
5. Reissuance is not provided, meaning upon expiration of the plastic's validity period, it will be automatically blocked, and the user will have to order a new card.
6. An unpersonalized bank card cannot be used as a payroll card.

Pros and cons

Pros:

1. It will take the user only 10-15 minutes to apply for and receive the card, which is very convenient for those who need plastic here and now.
2. Annual maintenance of the instant card is free. The only thing the holder will have to pay for is additional services in the form of alerts.
3. No additional documents are required to apply for the product — it is enough for the bank client to have only a passport with them.
4. In general, the functionality is not limited. That is, the owner can use it just like a regular card: pay in stores, withdraw cash, transfer money to clients of other banks, etc.

Disadvantages of the product include:

1. Stricter daily and monthly account transaction limits.
2. Inability of automatic reissuance — after the expiration date, the holder will have to contact the bank to issue a new card.
3. Inability to issue an additional card. Sometimes this is necessary for families. For example, when a separate (children's) card is not issued to a child, but an additional one linked to the parents' account is ordered.

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How to use an unpersonalized card

You can use an unpersonalized bank card to pay for goods and services directly at the checkout just like regular, personalized plastic. The same applies to ATM services. In general, practically no restrictions are imposed on the cardholder. That is, they can pay in stores, withdraw cash from an ATM, transfer money to other users, and make full use of online banking and the mobile application.

Difficulties arise when the holder, paying for goods online, enters the card details. In particular, the field for the owner's first and last name. In this case, you can proceed as follows:

• specify that the card is unpersonalized by entering "UNEMBOSSED NAME";
• enter the name of the bank.

FAQ

How much money can I withdraw from an unpersonalized card?

Limits directly depend on the issuing bank. Usually, the following restrictions are set for cardholders: up to 50,000 RUB in cash per day and up to 100,000 RUB per month. For all transactions exceeding these amounts, the bank charges an additional fee in accordance with the terms of the debit card service.

What payment system can I connect to?

There are no specific restrictions in terms of payment systems. As a rule, banks provide the opportunity to issue plastic with UnionPay and MIR maintenance.

Can I issue an unpersonalized card in a foreign currency?

Yes. Alongside regular cards, instant-issue cards can be opened in rubles, US dollars, and euros.