Payment sticker from Otkritie

An Otkritie customer can get a payment sticker completely free of charge. They can also reissue the card without payment if initiated by the bank or due to expiration of its validity period. 

Additionally, the sticker holder can enable transaction notifications. For the first 30 days from the card issue date, this service is free. After that, the cost of notifications is 79 RUB per month for Push and Push Pro alerts and 99 RUB per month for SMS alerts. 

The holder can top up the payment sticker for free at Otkritie and partner bank ATMs, which currently include:

• Alfa-Bank;
• Gazprombank;
• Bank ZENIT;
• Uralsib;
• Raiffeisenbank;
• Tinkoff Bank;
• Bank Sinara;
• UniCredit Bank;
• Promsvyazbank;
• Sovcombank;
• BCS Bank;
• Rosbank;
• Primsotsbank;
• RNKB;
• Bank "Saint Petersburg".

In addition, the payment sticker can be topped up without commission in the following ways:

• by transfer between your own accounts;
• transfer by bank card number;
• transfer by phone number via the Faster Payments System;
• via a bank account wire transfer.

The cardholder can withdraw cash from the sticker without commission at ATMs with contactless service from Otkritie and partner banks. For cash withdrawals at other banks' ATMs, the customer will have to pay a commission. It amounts to 1% of the transaction, but not less than 299 RUB.

The bank does not charge a commission for transfers between its own accounts and to other Otkritie customers. The holder can also send money free of charge by phone number via the Fast Payment System for amounts up to 100,000 RUB per month. For exceeding the limit, they need to pay a commission. It amounts to 0.5% of the transaction, but not more than 1,500 RUB. The commission for transfers by card number is 1.5% of the amount, but not less than 50 RUB.

As mentioned above, the holder can choose one of three loyalty programs. In the first case, the customer can receive:

• 2% cashback for purchases in supermarkets, restaurants, and transport;
• an additional 2% for purchases in pharmacies if the holder receives their salary on an Otkritie card;
• up to 30% for purchases at Otkritie partner stores.

When choosing the second bonus program, the holder can receive:

• 1% on regular purchases;
• or 1.5% for regular purchases upon reaching the "Plus" status;
• up to 10% for purchases in selected cashback categories;
• up to 30% for purchases at Otkritie partner stores.

In the third case, the customer can receive:

• 1% on regular purchases;
• 5% for payment of housing and utility services;
• up to 10% for purchases in selected cashback categories;
• up to 30% for purchases at Otkritie partner stores.

Otkritie does not accrue interest on the card balance. If the holder wants to earn additional income from their savings, they can open a savings account "Kopilka". Currently, its yield is up to 14% per annum.