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My Card debit card from Pochta Bank
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Articles about debit cards
About the card
"Moya Karta" is issued by Pochta Bank as an addition to the customer's savings account and a tool for managing savings and earning bonuses. The card is linked to the account; you can top up the balance and withdraw money via ATMs, as well as monitor transactions through the banking app. Additionally, the client becomes a participant in the loyalty program, earning points for everyday actions. Income is accrued every month in the form of interest on the account balance; cashless transfers between bank accounts and to other banks are available, and a single call to the bank is enough to block the card if lost.
Terms
Card issuance, reissuance, getting an additional card, and maintenance cost 0 RUB for the entire period of use, with no additional services. You can order online or at a bank branch. The card is personalized and linked to the customer's account. Delivery by registered mail to a post office costs 100 RUB.
Customers can download the VTB banking app, where a number of services are available for free, including balance checking, transaction notifications, payments, and changing the card PIN code.
SMS alerts are free for the first 2 months after activation, and 99 RUB per month thereafter.
You can top up the card at ATMs of Pochta Bank, VTB, and other banks. Funds are credited instantly with 0% commission. Cashless transfers between accounts are available via the app or terminals. There are no limits on the number of transactions or the amounts deposited, and it is convenient to track the balance in the app.
Cash withdrawals with the card are made via ATMs; you can withdraw a maximum of 300,000 RUB per transaction without commission. If the limit is exceeded, a 7.9% commission will apply.
Transfers between accounts within the bank or to accounts at VTB (Pochta Bank's partner) via the personal account on the website and in the app are free of charge, with no limits on the number of operations and amounts. Transfers at Pochta Bank branches cost 1.5% of the amount, ranging from 200 to 3,000 RUB per transaction.
By default, the card is connected to the "Multibonus" loyalty program, a joint project of Pochta Bank and its partner VTB. It gives the owner 1% cashback for any type of purchase using cashless payment, except for withdrawals, transfers, quasi-cash, and other operations listed in the app. The maximum cashback is 30% for purchases made at partner stores. The maximum reward per month is 6,000 bonuses, which can be exchanged for real money at a 1:1 ratio or used to pay for goods from the "Multibonus" program catalog.
Pros of Moya Karta:
- Increased cashback as part of the promotion;
- Free maintenance;
- Delivery to Russian Post;
- Works nationwide without restrictions;
- There is a loyalty program with privileges for promotion.
Cons:
- Commissions for exceeding the limit;
- Low cash withdrawal limit;
- Paid delivery.
How to apply
Both existing customers and newcomers can get a card at Pochta Bank, and the procedure does not take much time:
- Regular customers can order a card online via the app; virtual plastic will be issued instantly, complete with a number and other details.
- If a physical card is needed, the customer can order delivery to their residential address in the app by choosing the nearest Pochta Bank branch to pick it up from, or visit the bank with a passport.
- Newcomers can obtain a card directly at the bank by coming in with a passport and ordering the card.
A bank employee will advise the new customer to download the app as well, as it is more convenient to monitor transactions, make transfers, cashless payments, and view available bonuses.
Rates
Up to 10% in selected categories;
Up to 30% at partner stores
Calculator
Answers to questions
How do I activate the card?
Unblocking the card is carried out at a bank branch after issuance. To activate the card, you can use another method — a call to the contact center.
How to block the card?
To do this, log in to your Personal Account and make the appropriate settings in the online bank. If you encounter difficulties blocking the card, ask a specialist for help by calling the hotline phone number.
How to check the account balance?
To check the balance on your Mir card from PB, call the phone number 8-800-550-07-70. Information can also be obtained through a financial institution branch or the mobile application.
I forgot my PIN. How can I reset it?
To change your PIN, log in to your account and find the PIN change feature. You can also contact our support team through a convenient method.
I need to reissue my card. What should I do?
Card reissuance can be ordered via internet banking, the mobile app, or at a bank branch.
How do I close the card if I no longer need it?
Visit a bank branch and write an application.
I couldn't find the answer to my question. Who should I contact?
Leave your question as a comment to the text or call the phone number 8-800-550-07-70.
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