Discount Everywhere debit card from MTS Bank

Card issuance, both plastic and virtual, as well as reissuance due to expiration, are completely free. For issuing a new card to replace an old one for any other reason, you will need to pay a one-time fee of 299 RUB.

The annual maintenance cost of the card is 99 RUB per month. However, you can use the card for free if you meet one of the following conditions:

• you are a salary client of MTS Bank;
• you make at least 5 purchases per month.

If you do not meet any of the conditions listed above, you will need to pay a monthly maintenance fee for the card. The bank will automatically deduct this from your card account. Additionally, you can enable transaction notifications. The cost of this service is 59 RUB per month if you are a salary client of the bank, and 99 RUB per month otherwise.

If you do not use the card for 180 days, you will also need to pay an account maintenance fee of 600 RUB per month. 

You can top up the card for free at MTS Bank's own branches and ATMs, as well as from an individual's account or a card from another credit institution. You can also transfer money to the card for free from a legal entity's account up to 150,000 RUB per month. For exceeding this limit, you will need to pay a 5% fee.

You can withdraw cash from the debit card for free at MTS Bank's own ATMs up to 50,000 RUB per day and 300,000 RUB per month. Free cash withdrawals are also possible at other banks' devices up to 100,000 RUB per month. For exceeding this limit, you will need to pay a 1.9% fee, but no less than 99 RUB. 

The exact same fee of 1.9%, but no less than 99 RUB, applies to cash withdrawals at MTS Bank branches and other credit institutions within Russia, as well as at ATMs and branches abroad.

You can transfer money for free between your own accounts, as well as to other MTS Bank clients. You can make transfers to clients of other credit institutions without a fee via the Faster Payments System using a phone number up to 100,000 RUB per month. For exceeding this limit, you will need to pay a 0.5% fee, but no more than 1,500 RUB. The fee for transfers by card number is 1%, but no less than 50 RUB. 

Please note that you can make no more than 60 transfers per month for a total amount of up to 1.5 million RUB. At the same time, the amount of a single transaction cannot exceed 600,000 RUB.

The "Skidka Vezde" card features a somewhat unusual bonus program. Other banks reward their clients for using cards and provide cashback for purchases. MTS Bank, however, provides a discount. Its size is:

• 1% of the cost of regular purchases;
• 3% of the cost of purchases in online stores during the first two months of service without conditions, and thereafter upon making at least 25 purchases in the previous month. A 3% discount is also provided for salary clients. 

MTS Bank also provides 5% cashback for purchases in supermarkets during the promotion period from July 1 to December 31, 2023.

Pros:

• free issuance of the main card, as well as its reissuance due to 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-ups at MTS Bank ATMs and via transfers from other banks;
• free cash withdrawals at MTS Bank ATMs and other banks' devices;
• free transfers within MTS Bank and to clients of other banks by phone number via the Faster Payments System;
• provision of cashback of up to 3% of the purchase cost.

Cons:

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