Debit card Opencard from Otkritie

You will need to pay a one-time card issuance fee of 500 RUB. The bank will return this amount in bonus points as soon as your expenses exceed 10,000 RUB. Card reissuance due to expiration is always free. 

Also, the bank does not charge a monthly card maintenance fee — using it is always free without meeting any conditions. As an additional service, you can enable transaction notifications. The cost of this service is 79 RUB per month for Push and Push Pro and 99 RUB per month for SMS.

You can top up your card for free at Otkritie's own ATMs and those of partner banks: VTB, RNCB, Alfa-Bank, Promsvyazbank, and Gazprombank. Also at Otkritie cash desks for amounts starting from 300,000 RUB per transaction. Otherwise, you will need to pay a fee of 700 RUB.

You can withdraw cash for free at Otkritie's own ATMs and partner banks. Today, these include:

• Alfa-Bank;
• Gazprombank;
• Bank ZENIT;
• Uralsib;
• Raiffeisenbank;
• Sinara Bank;
• UniCredit Bank;
• Bank Russian Standard;
• INVESTMENT BANK VESTA;
• Promsvyazbank;
• Sovcombank;
• BCS Bank;
• Modulbank;
• VTB;
• RNCB.

You can also withdraw cash for free at ATMs of other banks if one of the following conditions is met:

• for payroll clients in the first three months of service without conditions and thereafter subject to payroll deposits;
• upon crediting a pension from the Pension Fund of Russia for the last three months at the time of cash withdrawal;
• if you hold Plus, Premium, Light Premium, Private, or Light Private status. 

In other cases, you will need to pay a fee of 1% of the transaction amount, but not less than 299 RUB.

You can transfer money between your own accounts and to other Otkritie clients for free. You can make transfers to clients of other credit institutions without a fee by phone number via the Faster Payments System for amounts up to 100,000 RUB per month. If you exceed the limit, you will need to pay a fee of 0.5% of the transaction, but not more than 750 RUB. The fee for transfers by card number is 1.5% of the amount, but not less than 50 RUB.

At Otkritie, you can choose one of four loyalty programs depending on your preferences. In the first case, you can receive: 

• 2% of the amount spent on purchases in supermarkets, restaurants, and transport;
• 2% for purchases at pharmacies if you receive salary deposits;
• up to 30% for purchases at Otkritie partner stores.

In the second case, you can receive:

• 1% of the spent amount for regular purchases;
• or 1.5% for regular purchases if you have "Plus" status;
• up to 10% for purchases in selected cashback categories;
• up to 30% for purchases at Otkritie partner stores.

In the third case, you can receive:

• 1% of the spent amount for regular purchases;
• 5% for paying utility bills in the mobile app or online banking;
• up to 10% for purchases in selected cashback categories;
• up to 30% for purchases at Otkritie partner stores.

In the fourth case, you can receive:

• 1% of the amount spent on all purchases, including QR-code payments via the Faster Payments System;
• up to 10% for purchases in selected cashback categories;
• up to 30% for purchases at Otkritie partner stores.

You can apply for a debit card either at an Otkritie branch or online on the official website of the credit institution. In the first case, you will need to visit a bank office with your passport. To apply online, you will need to:

• go to the official Otkritie website;
• enter your last name, first name, patronymic, city of residence, mobile phone number, and email address, consent to data processing, and indicate your citizenship;
• click the "Continue" button;
• enter the code from the SMS message;
• click the "Confirm code" button;
• enter your passport details and registration address;
• click the "Continue" button;
• enter the delivery address, date, and time;
• click the “Continue” button.

Pros:

• free courier delivery of the card to your home, if you live in a city within the bank's service area;
• free card maintenance without meeting any conditions;
• free use of the mobile app and online banking;
• free card top-ups at Otkritie and partner bank ATMs, and via transfers from other banks;
• free cash withdrawals at Otkritie and partner bank ATMs, as well as devices of other credit institutions subject to the terms of the agreement;
• free transfers within Otkritie and to clients of other banks by phone number via the Faster Payments System for amounts up to 100,000 RUB per month;
• cashback accrual of up to 30% of the purchase amount;
• option to exchange cashback for rubles.

Cons:

• paid card issuance;
• high commission for top-ups and cash withdrawals when limits are exceeded.