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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
Оформление по «Дебетовая карта «UnionPay Diamond» от Газпромбанка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Banks issue debit cards not only for individuals, but also for businesses and individual entrepreneurs. LLCs and sole proprietors have many options for how they can use such a card. Let's figure out what a business card is and what it is needed for, what types of business cards exist, and what operations are best to use such a card for. We will also answer the most popular questions.
What is a business card and what is it for?
A business card is a regular debit bank card issued for a legal entity (LLC) or individual entrepreneur (sole proprietor) and linked to the company's settlement account. It can be either the familiar plastic one or digital, i.e., virtual.
One or more business cards can be issued to a single settlement account.
Business cards are very popular among entrepreneurs because they have clear advantages:
- the ability to use funds in the account around the clock, even on weekends and holidays;
- the ability to receive discounts from bank partners and profitable cash back for purchases.
Also, with the help of business cards, LLCs and sole proprietors can effectively manage finances:
- set expense limits and control spending;
- withdraw and deposit cash into the account through ATMs, which helps save on collection services;
- refund advance payments using a simplified scheme (chargeback).
In addition, business cards can significantly save time, which is a valuable resource for companies and entrepreneurs — thanks to the high payment speed, all transfers go through almost instantly.
What can business cards be?
First of all, a business card can be plastic or virtual (i.e., digital). In the second case, the card has no physical medium, and all its details — a unique 16-digit number, expiration date, and security code — are stored in the personal account. You can find them in the mobile app or internet banking.
Accordingly, a plastic card has a physical medium and looks like a card we are used to. It contains the following details and information:
- logo of the bank that issued it;
- payment system logo;
- unique 16-digit number;
- expiration date;
- a contactless payment chip;
- magnetic stripe;
- security code;
- hotline phone number of the bank that issued it.
Also, business cards can be personalized or non-personalized:
- A personalized business card is needed for use by a specific employee without transferring it to other people. After an employee is dismissed, such a card is always blocked.
- A non-personalized business card can be used by any employee of the company as needed. For example, for purchasing inventory or paying for business trip expenses.
Also, business cards may differ in the set of services. For example, by the presence or absence of a bonus program, any privileges for holders, or opportunities for comfortable business conduct. To choose the most suitable card, you can contact bank branches or call support via hotline phone numbers and review offers from credit institutions.
What operations are best to use business cards for?
Anyone can use business cards — small, medium, and large companies, and individual entrepreneurs. It is convenient to use such cards in the following cases:
- for paying for fuel and gas station services;
- for paying for purchases in wholesale and retail networks;
- for purchasing construction goods;
- for purchasing advertising on the internet and in social networks;
- for paying for subscriptions;
- for paying for cloud services.
Business cards can also be used to organize employee business trips, such as purchasing airline and train tickets, booking hotels, paying for meals in restaurants, and so on. Recently, digital cards without a physical medium have been universally used for such purposes, which is easily explained by the fact that they can be issued online in a couple of minutes and used immediately after receipt.
Advantages of using a business card for LLCs and sole proprietors
Business cards have many significant advantages, among which we can highlight the following:
- A business card is a convenient tool for managing company finances. It makes it easy to track expenses and simplifies accounting work. All transactions are recorded in the statement, making accounting more transparent and faster.
- For sole proprietors, a business card is an effective way to separate personal and corporate finances, helping to avoid confusion and providing more precise financial control.
- A business card ensures security. The entrepreneur or company owner does not need to carry large amounts of cash, which reduces the risk of theft or loss of funds.
- Most business cards allow you to pay for goods and services both online and in stores, making them a versatile tool for business.
However, business cards also have disadvantages, among which we can note the following:
- Banks may charge a monthly maintenance fee for the cards, as well as commission fees for cash withdrawals at ATMs.
- Credit institutions usually set limits on spending operations and current account replenishment. If a large transaction needs to be made, the company owner or sole proprietor may need to provide supporting documents to the bank.
- Another disadvantage is related to bank dependency. The credit institution may block a transaction if it seems suspicious.
All Inclusive debit card from Fora-Bank 
Kids debit card from Alfa-Bank 
My Life debit card from UBRD 
VTB Debit Card for Life 
Discount Everywhere debit card from MTS Bank Answers to frequently asked questions
Finally, let's answer the most frequently asked questions.
Is it mandatory to issue a business card when opening a current account?
No, this is not mandatory. Furthermore, you can apply for a card either when opening a current account or later, or choose not to issue one at all.
Can cash be withdrawn from a business card?
Yes, usually you can cash out a business card through the cash desk or ATMs of the issuing bank, as well as through devices of third-party credit institutions. However, it is worth noting that banks may charge an additional commission for these operations.
How much cash can be withdrawn from a business card?
The cash withdrawal limit is set by the issuing bank. For example, the business card from Alfa-Bank allows free cash withdrawals of up to 200,000 RUB per month. Thereafter, the credit institution charges a commission of 2.1%, but not less than 179 RUB.
What expenses can be paid for with a business card?
A business card can be used to pay for any expenses related to the company, such as settling accounts with suppliers, transferring travel and entertainment allowances to employees, withdrawing money from the card, and topping up the account.
The main requirement is that all expenses must be documented.
What documents can be used to confirm business card expenses?
For example, electronic terminal receipts, cash receipts, waybills, certificates of completion, and so on can be used to confirm expenses.
Can online purchases be paid for with a business card?
Yes, if these purchases are directly related to the company's activities.
How can you top up your current account using a business card?
You can do this in the following ways:
- through the cash desks of the credit institution that issued the card;
- through ATMs of the same bank;
- through devices of third-party credit institutions.
