Debit card #YouCanDoEverything from Rosbank

Issuance of the primary and two additional cards, as well as their reissue due to expiration, are completely free of charge. The annual maintenance fee is 99 rubles per month. However, it can be free if you meet one of the following conditions:

• with incoming transfers to the card or savings accounts totaling from 20 thousand rubles per month;
• by making purchases totaling from 15 thousand rubles per month;
• by maintaining a non-decreasing balance on current, savings accounts, and deposits of at least 100 thousand rubles.

Additionally, you can connect transaction alerts. The cost of this service is 89 rubles per month. Transaction alerts are completely free for the first month of service.

You can top up your card for free at Rosbank's own ATMs, as well as via transfer from another bank using any of the methods suggested below:

• by card number;
• by phone number via the Faster Payments System;
• via bank account details.

You can withdraw cash for free from the Rosbank "#VsyoMozhet" card at Rosbank's own ATMs and partner bank ATMs. For cash withdrawals at devices of other credit institutions, you will need to pay a commission of 1% of the amount, but not less than 299 RUB. The fee for cash withdrawals at Rosbank cash desks for amounts up to 1 million RUB is also 1% of the transaction, but not less than 299 RUB.

You can transfer money for free between your own accounts at Rosbank, as well as to other bank customers. You can make transfers to other credit institutions without commission by phone number via the Faster Payments System for up to 100 thousand rubles per month. For exceeding this limit, you will need to pay a commission of 0.5% of the transaction, but not more than 1.5 thousand rubles. The fee for transfers by card number is 1.75% of the amount, but not less than 49 rubles.

By paying with the "#VsyoMozhet" card, you can earn cashback on purchases. It is accrued as follows:

• 1% of the spent amount is credited by the bank for regular purchases;
• 3% for purchases in increased cashback categories;
• 5% for purchases in the "Rosa Khutor" category.

The maximum cashback amount you can earn under this loyalty program is 10,000 bonus rubles.

You can also choose the "Travel" bonus program, where cashback is accrued as follows:

• 1 bonus for every 100 RUB spent when making purchases from 0 to 40,000 RUB per month;
• 2 bonuses for every 100 RUB spent when making purchases from 40,000 to 100,000 RUB;
• 5 bonuses for every 100 RUB spent when making purchases from 100,000 to 300,000 RUB per month;
• 1 bonus for every 100 RUB spent when making purchases starting from 300,000 RUB per month. 

The maximum cashback amount you can earn under this loyalty program is 5,000 travel bonuses. You can spend them on booking travel on the Rosbank OneTwoTrip website at the rate of 1 travel bonus = 1 RUB.

Pros:

• free issuance of primary and additional cards, as well as their reissue upon expiration;
• free card maintenance subject to the terms of the agreement;
• free use of the mobile app and online banking;
• free card top-up at Rosbank ATMs and via transfers from other banks;
• free cash withdrawal at Rosbank ATMs and partner banks;
• free transfers within Rosbank and to customers of other banks by phone number via the Faster Payments System;
• cashback accrual of up to 5% of the purchase value.

Cons:

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