Debit card for pensioners of security forces and combat veterans from Promsvyazbank

You can issue the card for free — the bank does not charge an additional fee for its issuance. You can also use it for free throughout its entire validity period. As an additional service, you can connect transaction alerts for deposits and withdrawals. The cost of this option is 79 RUB per month. Meanwhile, notifications about pension accruals are free.

You can top up your debit card for free using the following methods:

• in cash at Promsvyazbank cash desks when depositing 20,000 RUB or more and at PSB ATMs;
• in cash at ATMs of Alfa-Bank, MinBank, UBRD, and VTB;
• via transfers from other banks by card number and phone number through the Faster Payments System (FPS).

You can withdraw money without commission at ATMs of PSB and partner banks: Alfa-Bank, Rosselkhozbank, UBRD, and MinBank, for amounts up to 125,000 RUB per day and up to 300,000 RUB per month. If these limits are exceeded, you will have to pay a 2% commission. You can also cash out the card for free at ATMs of other banks for amounts up to 50,000 RUB per month. This is only available when receiving pension payments to your account. Exceeding this limit incurs a commission of 1%, but not less than 299 RUB.

You can transfer money between your accounts for free up to 30,000,000 RUB per month, as well as to other Promsvyazbank clients. You can also transfer funds without commission to clients of other credit institutions by phone number via the Faster Payments System (FPS) up to 100,000 RUB per month. Exceeding this limit incurs a commission of 0.5%, but not more than 1,500 RUB. Transfers by card number are subject to a fee. You will have to pay 1.5%, but not less than 30 RUB for them.

A lucrative bonus program applies to the debit card. By paying with it, you can receive 3% cashback on purchases in the categories "Pharmacies", "Gas Stations", and "Pet Supplies".

You can earn up to 20% cashback from the "Hello, World!" loyalty program.

The Debit Card for Military Law Enforcement Pensioners and Combat Veterans does not provide for interest on the account balance. If you have savings and want to receive a small passive income, we recommend opening the "Focus on Percent" savings account with a yield of up to 21% per annum.

Interest is accrued as follows:

• 8% per annum when paying for purchases totaling 10,000 RUB or more per month;
• 14% per annum when paying for purchases totaling up to 50,000 RUB per month;
• 16% per annum when paying for purchases totaling up to 150,000 RUB per month;
• 21% per annum when paying for purchases totaling 150,000 RUB or more per month.

You can receive the increased interest rate only on a balance of up to 1,000,000 RUB. For amounts exceeding this, the bank will apply a base interest rate of 8% per annum.

Free benefits:

• card issuance and reissuance due to expiration;
• use of the mobile app and online banking;
• card maintenance without meeting any conditions;
• topping up the card with cash at Promsvyazbank cash desks for amounts from 20,000 RUB, at ATMs of Promsvyazbank, Alfa-Bank, MinBank, UBRD, and VTB, and via card-to-card transfers and the Faster Payments System (FPS);
• cash withdrawals at ATMs and cash desks of Promsvyazbank, partner banks, and other banks for amounts up to 30,000 RUB per month;
• transfers between your accounts up to 30,000,000 RUB per month, to other Promsvyazbank clients, and to clients of other banks via the Faster Payments System (FPS) up to 100,000 RUB per month;
• accrual of cashback up to 20% of the amount.

Cons:

• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.