Best debit card offers by mail

Tinkoff Bank is the leading bank offering debit card delivery by mail

Russia's largest commercial bank Tinkoff does not have a single branch in the country, but this does not prevent the credit institution from delivering debit cards by mail. The state postal service Pochta Rossii acts as a postal partner. In addition, the bank has its own courier delivery service, which, unfortunately, is only available for a limited number of cities and regions. After your debit card application is approved, the bank will offer to arrange delivery via Pochta Rossii. In this case, the delivery time of the banking product will depend on postal operations, ranging from 7 to 45 days.

Tinkoff Bank debit cards allow opening accounts for both ruble deposits and foreign currency. For the US dollar equivalent, we recommend ordering the "Tinkoff Black" card, which yields 0.1% per annum on your US dollar balance. The card features a cashback loyalty program with a guaranteed 1% return. The foreign currency account includes an annual maintenance fee of USD 12 per year. Special terms apply to those opening a deposit card in euros. The interest rate is similar to the dollar account, but with increased cashback ranging from 1% to 30%, and annual maintenance is EUR 12 per year.

In addition, when ordering Tinkoff Bank debit cards by mail, we suggest paying attention to the following debit cards:

1. WWF program. Annual product fee is 1190 RUB, no interest accrual is provided, ruble account only.
2. Svyaznoy-Klub. Debit card maintenance is only 1188 RUB per year, it features interest accrual on your own funds formed by the balance, ranging from 3% to 7% depending on the amount. Issuance of the banking product is free of charge.
3. The S7 World card features an extensive cashback loyalty program, but offers no interest on account balances. The annual maintenance fee is 2280 RUB.
4. Azbuka Vkusa co-branded card. The annual maintenance fee is 590 RUB. You can earn up to 6 bonuses for every ruble spent in the store chain.
5. S7 Black Edition co-branded card. The annual maintenance fee for this debit card is 1188 RUB, with no interest paid on accounts and balances.
6. OneTwoTrip ruble-denominated card with cashback programs and an annual maintenance fee of 1188 RUB.

This is just a small lineup of cards delivered by mail from T-Bank. Co-branded cards offer cashback when you make purchases or transactions in partner stores or pay for additional services.

Which banks deliver debit cards by mail

You can also order a debit card by mail from other financial institutions in the country. According to statistics, about 68% of all Russian banks deliver financial products to your home or office using Russian Post delivery services. We invite our website visitors to separately order a Pochta Bank debit card, where bank employees work directly inside post offices. Future clients can visit a post office and receive a debit card directly from a bank operator, featuring great loyalty programs and convenient options for safe and profitable transactions.

We also invite you to consider the following banking products:

1. Promsvyazbank offers a universal banking product called "Mir bez Granits" (World Without Borders), which can be ordered for delivery to a fixed address by mail. The annual maintenance fee is 1900 RUB. No interest is paid on account balances.
2. Alfa-Bank. Banking product: the "Alfa-Miles" debit card delivered to your home via mail. It features a ruble account and a 590 RUB maintenance fee. By ordering the debit card with the Signature package, you can open two foreign currency accounts in US dollars or, optionally, in euros.
3. Alfa-Bank, Perekrestok co-branded card. Delivery is available via Russian Post, and the annual maintenance fee for this profitable banking product is no more than 490 RUB. When paying at Perekrestok stores, you receive 3 bonus points for every 10 rubles spent, and up to 7 points in your favorite shopping categories.

We invite you to use our financial services selection tool to order a debit card for all occasions, ideal for shopping and saving money.

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What are the advantages of getting debit cards delivered by mail

This service is available if you have no other way to obtain a banking product. Since financial organizations may not have the technical capability to open branches across the country, applying for a debit card by mail is the only reliable way to attract clients.

Service advantages:

• You can use our service to go to the official bank website and order a debit card with postal delivery.
• You can specify your permanent registration address, actual place of residence, or office as the exact delivery address for the banking product.
• You can use Russian Post's mail delivery service to have correspondence sent to the actual location address you specified in your application form (paid service).
• No need to visit a bank or wait in lines to get your debit card.

At the same time, a major drawback of getting a card via Russian Post is the delivery time. Postal services deliver mail according to their internal schedules. In practice, the minimum delivery time by mail is 5 days for Moscow and 7 days for other regions. The maximum term can be up to 30 calendar days, and delivery to the most remote regions can take up to 45 days. Russian Post is currently optimizing its technical operations and plans to reduce debit card delivery times in the future by introducing the latest innovative technologies.

Is it safe to get debit cards delivered by mail

When you receive your debit card by mail, it is inactive and must be activated by following the provided instructions. The bank includes the activation procedure in the information letter. Typically, the following activation methods are available:

• Internet banking. The cardholder will need to register on the bank's website.
• By downloading the mobile app.
• By calling the call center of your chosen bank.
• By performing a transaction at an ATM belonging to the credit institution.
• By sending an SMS notification.

By fulfilling the minimum card activation requirements, you receive additional security and protection. Even if the debit card is stolen in the mail, no one except you and the bank employee knows the information provided at the time of submitting and approving the application.

After activating the banking product, the liability agreement between the issuing bank and the bank cardholder comes into effect. From this moment, other offers also become active—interest on account balances, cashback, and more. If necessary, you can always obtain additional information on the terms of use of the banking product from a bank operator by calling the credit institution's call center.