Which bank card is better to choose and have - Visa / Mastercard, bank

One of the popular questions for travelers- which bank card is better to choose, which is more profitable, and so on. The question is extensive, and includes the choice of a bank, the choice of the MasterCard and Visa payment system, the choice of a class of service, and so on. I cannot fully cover all topics in one post, because everyone has different preferences, different conditions, and different banks in the city. Therefore, I will divide this post into two parts. In this part we will discuss general points for completely newbies, but list of specific bank cards for travel will be in another article.

I think that it has long been obvious that without bankingMaps to travel is not very convenient, so this issue is not even discussed. Of course, someone still carries cash with them in large quantities, but it seems to me that they also have cards.

The content of the article

Card selection

Which card is suitable for travel

If you answer in general, then any will workplastic bank card, with which you can pay on the Internet and in real. You need it to book tickets and hotels, as well as to pay in stores and withdraw cash. Separately, I wrote about how to withdraw money in thailand.

Thus, the Visa and MasterCard cards of any bank are suitable for you, except for MIR type cards, which are used only in Russia. Although it seems they have already begun to act.

But if you travel more than once in 10 years, thenit makes sense to make a name card with a chip, so that it probably works everywhere. Visa Classic / MasterCard Standart is enough for your eyes, you don’t need the above, Gold / Platinum and so on. Alternatively, Visa Electron / Maestro will do as well, but sometimes they are not paid for in real money or on the Internet. Most cards have a service charge, about 500-1000 rubles per year, depending on the card and tariff. Only Gold and Platinum are already going above the class, but if you are reading this article, you don’t need them yet.

What bank card to get

What bank card to get

But if you delve, then everything is wrongtransparently. The fact is that each bank has its own rates, which include various conversion fees and currency exchange rates. Abroad you will pay for purchases in local currency, and if there is a task to save on commissions, then any card will no longer work. About how the conversions happen I have separate article. In addition to tariffs, there is still such a moment asconvenience of use, which depends on technical support of the bank and the functionality of the Internet bank, because some issues will have to be solved remotely, being far from the bank branch.

Rating of banks in Russia you can look atsite banki.ru, but it is important to choose not only the bank itself, but also a specific card. Sometimes there are such tasty offers that you can forget about some other points.

How does a debit card differ from a credit card?

In short, the debit card allowsuse only those funds that were credited to it. And credit - allows you to get a loan with the possibility of interest-free repayment during the grace period (usually about 50 days). To obtain a credit card, you may require all sorts of certificates from work and other additional documents. To get a debit only need a passport.

If you do not know how to use a credit card,better not take it. But in general, a good thing and just need to pay off the debt on time and then there will be no interest. In the meantime, you use credit funds, your money is on deposit and generate income. Also, credit cards often give nice bonuses in the form cashback, in fact, earnings on their spending. I personally like the terms of the Tinkoff AllAirlines card, I made myself this, it is well suited for travelers. And I have two debit cards: Tinkoff Black and Corn.

Dollar or Euro card

What currency to open an account for the card? The most logical answer is in the currency in which you have income. If you receive money in rubles, then the account must be in rubles. Yes, if you go to Europe, then when you withdraw cash from an ATM or pay for purchases in a store, the conversion will take place in euros. However, is it worth it to decide to start a bill right away in euros due to short trips, you decide. Here you need to understand that currency rates are constantly changing, so ideally, you should put dollars or euros on foreign currency cards, bought at a good rate.

Ideally, have multiple cards in different currencies.(rubles, dollars, euros), and use them depending on the situation. We must understand that if you really want benefits, you will have to deal with rates and tariffs. Otherwise, you can not bother at all, or just follow the general trend. I have a separate post on this topic - What to choose a ruble or currency card.

Some banks (for example, Alfabank) allowbind to one card several different accounts in different currencies. Such cards are called multi-currency. That is, before you travel to Europe, you switch to the euro bank account in the Internet bank, and the money will be withdrawn from the euro account.

What to choose MasterCard or Visa

Unfortunately, it is impossible to say for sure which is better.MasterCard or Visa. You will have to find out from your bank through which currency it works with the payment system (that is, it will convert through dollars or euros when paying in Tugrig), what is the cross-border payment fee, what is the cash withdrawal fee from another bank’s ATM. And here it is necessary to look at whether bank rates differ for different payment systems. In general, it all comes down to choosing a bank, not a payment system.

Scheme - if Europe, then Mastercard, ifAmerica, Visa is not correct! Once someone started up this myth in RuNet, and everything was safely replicated. Also, when traveling to non-ordinary countries, it makes sense to find out whether this payment system is accepted in a particular country. I read that in Cuba and in Africa, there are problems with Visa.

At the moment, by me (and not only by me)it was noted that, other things being equal, it is more profitable to order Mastercard cards, since they often lack a commission for transgranes. While on Visa it is more often than not. But this is not true, it is necessary to look at a specific bank and its rates. For example, in the case of Alfabank or TKS without a difference, while Sberbank is better to do Mastercard.

Conversions and Commissions

When paying by card abroad (or when withdrawingcash at an ATM) there are currency conversions, each of which can still be accompanied by a commission. This is inevitable, but you can try to minimize losses by sorting out the tariffs and choosing card more suitable for travel.

The conversion scheme can be like this (for exampleThailand and the ruble card): we remove the baht, the ATM sends the request to the payment system in baht, the payment system recounts it into dollars and sends the request to a Russian bank, where the dollars are converted into rubles. THB => USD => RUB.

The loss depends on the number of conversions thatwill be made when you pay for something. The fewer conversions and commissions, the better. The ideal option, for example, is when the euro card is used to pay in euros in Europe, while the bank deducts euro 1 to 1 from the account and without fees. Russian banks work with payment systems (MasterCard / Visa) in certain currencies and additional conversions may occur. For example, your bank works with the payment system in dollars (even in the euro zone) and you withdraw the euro in Europe. The ATM sends the request to the euro, the payment system converts them into dollars, and your bank converts the dollars at its rate back to the euro. EUR => USD => EUR. If your bank worked with the payment system in euros, then EUR => EUR (1: 1) would be charged. Or, if the card is ruble, then the scheme would be EUR => USD => RUB, although a normal bank would make EUR => RUB. The situations described are rare, but just keep in mind.

Another unpleasant option with conversions canarise when paying for something on a foreign website in rubles, for example, when buying a ticket. Only then you will learn that the price in rubles was indicative of you, but in fact the transaction went on in some hryvnia (Ukrainian sites sin with this). In reality, the request did not go in rubles, but in hryvnias, that is, the UAH => USD => RUB scheme, as a result of which the amount that was written “approximately” was written off from the account.

The scheme of conversions and commissions is discussed in more detail in the article - How to translate turgriks into rubles.

What to look for

One-time passwords

Now almost all sites, withthe implementation of the purchase, whether it be a ticket, a hotel, or a piece of clothing from an online store, requires the entry of a one-time password. That is, in addition to entering your data (holder's name, card number, CVV / CVC code), you need to enter a password. In addition, logging into the Internet bank and operations in it also require such passwords. Read more about how to use a bank card.

Ways to get these passwords 3: SMS to your phone number, pre-received paper check at the ATM (about 20 passwords), plastic card (about 100 passwords) issued by the bank. Accordingly, the option with a paper check is not very convenient, passwords can end very quickly. Although it is possible only with Sberbank (the other banks have plastic cards issued), and Sberbank always provides a choice - if you want SMS, you want a password from a paper check.

In general, even if a plastic cardoptional in your bank (for example, you can get passwords via SMS), then it makes sense to take it with you, or its picture (in a password-protected archive or in a special program). In case of problems with SMS, be able to confirm the operation with a password from the card.

Travel Internet Bank

Internet banking may not be useful ifYou are not an active user of cards and accounts, and rarely do something with them, but it is better that he was. It may be necessary to transfer money from one card to another, or to see an extract from the latest transactions (payment for hotels, shopping in stores and cafes). Also, as a rule, through the Internet bank you can contact technical support, block a card, pay for a phone or rent in your home country.

In general, traveling IB is very useful.thing. And if you go somewhere for wintering, I don’t have any idea how to do without an Internet bank. There is also a mobile bank, an application that is installed on the phone. In it, either such a full-fledged functionality, or truncated. It is also a useful thing, but it is desirable only not to lose your smartphone.

It is best to have multiple cards / accounts.

It is better if there are several cards and from differentbanks. For example, one is basic for shopping in stores, the second for paying online, and the third for cash withdrawals. Then you can get very good rates for each of these options. Yes, and suddenly, the bank will block one card (it happens) or lose it, then you can quickly go to the Internet bank and transfer funds to another card. Or on one of the cards payment will not pass. That is why I have several cards.

It is also sometimes convenient to make additional cards to the main for relatives. There is one account, and each has its own personal card.

Security

Remember, do not keep too much on the card, letfixed assets are on deposits, safe-accounts, rarely used cards. After all, using a map, you shine its data and risk. Unfortunately, fraudsters are not asleep, they put readers on ATMs (skimmers), steal card data on the Internet, and so on. Therefore, you cannot keep money on main cards.

Always use online banking andcarrying out the operation of SMS passwords (if they are suddenly disabled) and plastic cards with passwords (this is even safer). Call the bank and ask them to authorize payments in stores with a pin-code priority, not a signature. In the Internet bank, set limits for daily and monthly transactions (if any).

Virtual cards - risk reduction

Virtual cards do not physically exist. They are needed to reduce the risk of payments over the Internet.

Suppose you want to buy something for 10,000 rubles. You issue a virtual card in your Internet bank with the amount of 10,000 rubles on the account and the time limit for use, pay for the purchase, and that’s it, the card has worked. That is, if suddenly the payment details of this card fall into the hands of intruders, then they can no longer do anything, since such a card is no longer there. If the data gets before you spend the money, they will not be able to withdraw more than it is now. On the other hand, advanced banks provide the ability to set limits on operations. For example, you can set 0 rubles, and only before buying to change it to the desired limit.

Such a scheme, some use for shoppingvia the Internet in Asia, as it is one of the riskiest regions. Only it is better not to buy tickets on a virtual card, when boarding a flight you may be asked to present this card, which you cannot do, since the card is virtual. Actually, this also concerns ordinary cards, it is better to pay for the air tickets with that card that will be with you. Those who are going to buy tickets, I advise Aviasales.ru and Skyscanner.ru, we use them.

P.S. The post has been updated, removed all unnecessary, and some issues are discussed in more detail in other posts. Follow the links, read, ask.

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