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Your Bank Debit Card from Promsvyazbank
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Articles about debit cards
About the card
"Your Bank" from Promsvyazbank is the ideal card for receiving your salary. It offers cardholders free maintenance, cash withdrawals at any ATMs without commission, free utility bill payments, and more.
Terms
Issuance of primary and additional cards, as well as reissuance upon expiration, is completely free. The bank also does not charge a fee for home delivery of cards.
The annual maintenance fee for the primary card is RUB 199 per year. However, you can use the card for free if you receive a salary or other allowance of at least RUB 18,000 per month on it. You will need to pay RUB 100 per year for the use of the additional card in any case.
Additionally, you can enable transaction alerts. The cost of this service is RUB 79 per month. Transaction alerts are free for the first month.
The bank does not charge an additional fee for using online banking or the mobile app — you can use them completely free of charge.
You can top up your card for free at Promsvyazbank's own ATMs, via transfers between your own accounts, from cards of other credit institutions using online banking or the mobile app, and at Promsvyazbank cash desks for transactions starting from RUB 20,000. In addition, you can deposit money onto the card without commission at ATMs of Alfa-Bank, MInBank, UBRR, and VTB. A 0.8% commission applies to top-ups at Gazprombank ATMs.
You can withdraw cash from the card for free at Promsvyazbank's own ATMs and partner banks: Alfa-Bank, Russian Agricultural Bank (Rosselkhozbank), MInBank, and UBRR. You can also withdraw cash without commission at ATMs of third-party credit institutions subject to the following conditions:
- withdrawal amount starting from RUB 3,000 per transaction;
- total monthly transactions up to RUB 30,000.
In other cases, you will need to pay a commission of 1.99%, with a minimum of RUB 299.
Please note that if you receive a salary or other allowance of RUB 18,000 or more per month on the card, you can withdraw cash for free at other banks' ATMs up to RUB 50,000 per month. Exceeding this limit incurs a standard commission of 1.99%, with a minimum of RUB 299.
You can transfer money for free between your own accounts and to other Promsvyazbank clients. You can transfer funds to clients of other credit institutions without commission via the Faster Payments System (SBP) for amounts up to 100,000 RUB per month. For exceeding this limit, you will need to pay a commission of 0.5%, but not more than 1,500 RUB. The fee for card-to-card number transfers is 1.5%, but not less than 30 RUB.
Please note that Promsvyazbank does not charge a commission for utility payments, mobile operator and internet provider services, tax payments, and other budgetary payments to the Russian Federation via the mobile app and online banking.
Promsvyazbank does not award cashback for purchases.
Pros:
- free issuance of primary and additional cards, as well as reissuance upon expiration;
- free courier delivery of the card to your home;
- free card maintenance subject to the terms of the agreement;
- free use of the mobile app and online banking;
- free card top-up at Promsvyazbank ATMs and partner banks, and via transfer from other banks;
- free cash withdrawals at Promsvyazbank ATMs, partner banks, and other credit institutions up to RUB 50,000 per month, subject to the agreement terms;
- free transfers within Promsvyazbank and to clients of other banks by phone number via the Faster Payments System.
Cons:
- paid annual maintenance if agreement terms are violated;
- high fees for top-ups, cash withdrawals, and transfers when limits are exceeded;
- no cashback on purchases;
- no interest on the card balance.
How to apply
You can apply for the "Your Bank" debit card either at a Promsvyazbank branch or online on the credit institution's official website. In the first case, you will need to visit the bank branch with your passport. To apply for the card online, you will need to:
- go to the Promsvyazbank website;
- click the "Apply" button;
- click the "Order Card" button;
- log in via the Gosuslugi portal or provide your last name, first name, patronymic, gender, date of birth, mobile phone number, and citizenship, and check the boxes;
- click the "Continue" button;
- verify the entered data and click the "Confirm" button;
- enter the confirmation code from the SMS message;
- provide passport details, registration address, and residential address;
- click the "Continue" button;
- specify card parameters and delivery method;
- click the “Continue” button.
Rates
at ATMs of third-party banks for amounts from 3,000 RUB per transaction up to 30,000 RUB per month — free of charge;
at ATMs of third-party banks in other cases — 1.99%, but not less than 299 RUB
to other Promsvyazbank clients — free of charge;
to clients of other banks by phone number via the Faster Payments System for amounts up to 100,000 rubles per month — free of charge;
to clients of other banks by card number — 1.5%, but not less than 30 RUB
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