World of Tanks debit card from T-Bank

You can get a debit card for free — the bank does not charge an additional fee for its issuance. However, card maintenance is not free. It costs 190 RUB per month. At the same time, you can use it for free if you meet one of the conditions:

• maintain a minimum monthly card balance of at least 50,000 RUB;
• take out a consumer loan from T-Bank issued to this card account.

If you want to receive notifications about deposits and withdrawals, you can connect the "Transaction alerts" service. It costs 59 RUB per month with a T-Mobile subscription number and 99 RUB per month in other cases.

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

• cash in T-Bank ATMs;
• cash in ATMs and partner cash desks up to 150,000 RUB per month;
• via transfers from other banks by card number;
• by transfers from other banks by phone number via the Faster Payments System (FPS);
• transfers by account details.

You can withdraw money from the card without commission at T-Bank ATMs up to 500,000 RUB per month. You can also cash out the card for free at ATMs of other banks from 3,000 RUB per single transaction and up to 100,000 RUB per month. In all other cases, you will have to pay a commission. Its amount is 2%, but not less than 90 RUB.

You can transfer money for free between your own accounts up to 30,000,000 RUB per month, as well as to other T-Bank clients. You can send funds to other banks without commission by phone number via the Faster Payments System (FPS) up to 5,000,000 RUB per month. You can also do this by card number. In this case, the limit is 20,000 RUB per month. For exceeding it, you will have to pay a commission of 1.5%, but not less than 30 RUB.

The bonus program for this card is ideal for you if you are keen on this online game. By paying with the card, you can get back 25 gold per 100 RUB spent on everyday purchases and 32 gold per 100 RUB spent on purchases in the premium store using the Lesta Games — T-Bank card.

In addition, the bank gifts a set of personal reserves in the game every month and a 30-day premium account with the first goldback received.

The card does not provide for the accrual of interest on the balance. But if you have your own savings and want to receive a small passive income from them, we recommend opening a savings account with a yield of up to 13% per annum.

Interest on this account is accrued as follows:

• 8% per annum without any subscriptions;
• 11% per annum with the Pro subscription;
• 12% per annum with the Premium service;
• 13% per annum with the Private service.

Pros:

• free card issuance;
• free use of the mobile app and online banking;
• free card maintenance subject to conditions;
• free card top-up with cash at T-Bank ATMs, at partner ATMs and cash desks up to 150,000 RUB per month, via transfers from other banks by card number, by phone number via the Faster Payments System (FPS) and by account details;
• free cash withdrawal at T-Bank ATMs up to 500,000 RUB per month and other banks' ATMs up to 100,000 RUB per month;
• free transfers between own accounts up to 30,000,000 RUB per month, to other T-Bank clients and clients of other banks by phone number via the Faster Payments System (FPS) up to 5,000,000 RUB per month, and by card number up to 20,000 RUB per month;
• cashback accrual of up to 30% of the amount.

Cons:

• paid card maintenance if conditions are not met;
• high fees for cash withdrawals and transfers when limits are exceeded;
• no interest on the card balance.