AliExpress debit card from T-Bank

Issuance of primary and additional cards, as well as their reissue regardless of the reason, is absolutely free, as is delivery by courier to your home or office. Annual maintenance of the card will cost you 99 RUB per month. However, it can also be free if at least one of the following conditions is met:

• maintaining a minimum balance on card, savings, investment accounts, and deposits of 50,000 RUB or more per month;
• having a loan from Tinkoff Bank issued to this card account;
• having a Tinkoff Pro subscription;
• using card tariff 6.2.

If none of the above conditions are met, you will need to pay a monthly maintenance fee for the bank card. Additionally, you can enable transaction alerts. The cost of this service is 59 RUB per month with a Tinkoff Mobile subscriber number and 99 RUB per month without it.

You can use the mobile app and online banking without any subscription fee. You can also receive free notifications about card issuance, top-ups, activation, blocking, and transactions in online banking and the mobile app.

You can top up without a commission at Tinkoff's own ATMs and via transfers from other banks using any of the methods suggested below:

• by card number;
• by phone number via the Faster Payments System;
• via bank account details.

You can also top up a Mir payment system card without commission at the cash desks and ATMs of Tinkoff partner banks for amounts up to 150,000 RUB per month. Otherwise, you will need to pay 2% of the transaction amount. 

You can withdraw cash without commission at Tinkoff Bank's own ATMs for amounts up to 500,000 RUB per month. For exceeding this limit, you will need to pay 2% of the transaction amount, but not less than 90 RUB. You can also withdraw cash without commission at ATMs of other banks if two conditions are met:

• the withdrawal amount exceeds 3,000 RUB;
• the total monthly transaction amount does not exceed 100,000 RUB. 

In other cases, you will need to pay 2% of the transaction amount, but not less than 90 RUB.

You can transfer money without commission between your own accounts at Tinkoff, as well as to other bank customers. You can make transfers to third-party credit institutions without commission by phone number via the Faster Payments System for amounts up to 5 million RUB per month. 

In addition, you can transfer money to customers of other banks without commission by card number for amounts up to 20,000 RUB per month. For exceeding this limit, you will need to pay 1.5% of the transaction amount, but not less than 30 RUB.

By paying with the AliExpress debit card, you can earn cashback on purchases:

• 1% of the spent amount can be earned on regular purchases;
• 2% on purchases on the AliExpress marketplace.
• up to 30% for purchases made via special offers from T-Bank.

You can use the cashback earned to compensate for any purchases worth 500 RUB or more made on the AliExpress platform. You can exchange bonuses for real money at a rate of 1 point = 1 RUB.

Pros:

• free issuance of primary and additional cards, as well as their reissue;
• free courier delivery to your home or office;
• free maintenance subject to agreement terms;
• free use of the mobile app and online banking;
• free top-up at T-Bank ATMs, via transfers from other banks, and at partner devices;
• free cash withdrawal at T-Bank ATMs and other banks' devices;
• free transfers within T-Bank and to clients of other banks by phone number via the Faster Payments System and by card number;
• cashback accrual of up to 30% of the purchase amount;
• the option to compensate for purchases of 500 RUB or more made on AliExpress using the cashback earned.

Cons:

• paid annual maintenance if agreement terms are violated;
• high fees for top-ups, cash withdrawals, and transfers when limits are exceeded.