What percentage (%) is charged on the balance on a Tinkoff Bank card?

Interest calculation procedure

Almost all debit cards 6% accrual is provided for the account balance. Accruals are made regularly, at the end of each billing period.

Interest is credited to the account only if the cardholder has used the card to pay for purchases during the month.

6%

According to the provisions of the banking agreement, 6% of the amount (annual rate) is added to the money remaining on the Tinkoff Black debit card account.

However, the accrual is carried out subject to 2 conditions:

1. By the end of the billing period, the account balance should not exceed 300,000 Russian rubles.
2. Every month the client must pay for purchases from the card for a total amount of 3,000 rubles.

If the limit of 300,000 rubles is exceeded, interest on the balance will be accrued, but on the amount in excess of the limit at a less attractive rate of 3% per annum.

For example, if the account has 450,000, then by 300,000 rubles. accrue 6% per annum, and for the remaining 150,000 rubles. – 3%. The calculation is carried out taking into account the current card balance. If no purchases were made for the agreed amount, the account does not change.

Interest on the account balance is transferred on the day the statement is generated.

As for currency cards, the balance on them should not exceed 10,000 EUR/USD, and the current interest rate is 0.1% per annum. If there is more money in the account, then there will be no charges for the amount in excess of the limit. You must make at least 1 purchase.

It will be easier to understand this calculation procedure using a table as an example.

Type of debit card	Account balance	Income from card per month	Annual income on the card (subject to all requirements)
In rubles	300,000 rubles	1,750 rubles	21,000 rubles
In rubles	500,000 rubles	2,250 rubles	27,000 rubles
In dollars	10 000 $	0,83 $	10 $
In dollars	15 000 $	0,83 $	10 $
In Euro	10 000 €	0,83 €	10 €
In Euro	18 000 €	0,83 €	10 €

Particular attention should be paid to the types of payment transactions that are taken into account by the bank.

In order to receive interest on your balance, you need to know which transactions carried out on the card are taken into account by Tinkoff.

The following transactions do not accrue interest on the balance:

1. Making money transfers from card to card;
2. Procedures carried out through Internet banking;
3. Replenishment of WebMoney or Yandex.Money, as well as any other virtual wallets;
4. Payment via mobile banking.

Terms of service for the card

With this card you can open an account in 3 currencies in rubles, dollars or euros. The service fee is charged monthly and amounts to 99 rubles, first year free. Another main point that attracts potential clients is that in addition to the fact that the bank charges interest on the account balance, Tinkoff Bank also offers cashback, that is, several percent of the purchase amount is credited back to the owner’s account in the form of a bonus.

The cashback amount is calculated individually:

• 5% is returned to the client when paying for goods and services in a certain category; you can choose a category yourself through Internet banking;
• 1% amount of other purchases;
• from 3 to 30% on special offers from bank partners.

Interest calculation example

To understand the principle of calculating interest as accurately as possible, let’s consider a simple example. For example, in the last billing period you spent more than 3,000 rubles, which means the bank must charge you an interest of 7% per annum, at the end of the billing period there are 50,000 rubles on your card. The calculation will look like this: 50,000 × 7/12 = 290 rubles. And if the balance is, for example, 10,000 rubles, then the bank will pay you only 58 rubles, although they will write off 99 rubles as a service fee.

Good day, dear readers!

current as of 05/11/2017

Each of us sometimes needs to place free funds. Many people prefer bank deposits, not knowing that there is such an opportunity as receiving interest on the balance on the current account of a debit card!

Let's first look at the main advantages of placing funds on cards whose accounts accrue interest on the balance, and then examples of such cards (banks). Or in other words, a review of cards with interest accrued on the balance.

Availability of funds- at any time, funds are available both for withdrawal and payment for goods/services, and for replenishment.

Having placed your money in a deposit, you usually (in order to receive the maximum interest on the deposit) undertake not to withdraw it within the agreed period (half a year, a year, etc.). In case of early withdrawal, the rate is automatically recalculated at the demand rate, which rarely exceeds 0.01% per annum. Often it is not even possible to replenish deposits.

Fixed rate- the rate does not depend on whether you withdraw money from the account or vice versa - deposit it, interest is calculated on the account balance.

In a deposit, the rate directly depends on the placement period and the amount of funds.

Regarding point 2, it is necessary to make a reservation: the rate does not depend on the amount and terms (although there are exceptions here too), but it itself can be changed at any time at the initiative of the bank. By opening a deposit, you receive a 100% fixed rate for the entire deposit period.

Even if the rates rise, you will still have the same rate under the contract at which the contract was concluded. Of course, you can close the deposit and open it at a new, more favorable interest rate, but then all accumulated interest on the current deposit will be lost (don’t forget - at the bank’s demand rate).

For me, point 1 is very important - when funds are always available. You can never be 100% sure that you won’t need the money and you can definitely put it away for a year or two and not touch it. Or open a deposit for a smaller amount? Where is the rest that might be useful? That's right - to an account with interest accrued on the balance. Only then can we say that “money constantly works.”

Cash insurance- funds on the card's current account are insured in the same way as deposits (DIA).

Below is an overview of 3 banks that offer cards with interest on the balance (as of February 2017):

Rocketbank

2) required condition- monthly expenses in the amount of 30,000 rubles to receive free service (although SMS notifications will still be paid - 59 rubles / month). In case of non-compliance, the cost of service is 299 rubles / month. (service + SMS = 358 rubles / month, or 4,296 rubles per year).

3) high threshold crediting funds to an account without commission - from 30,000 rubles.

4) the card and account are opened only at the bank office in person.

5) small limits on cash withdrawals, especially if the condition is not met (spending 30,000 rubles) - over 5,000 rubles per month, a withdrawal fee is already charged (1.5%, minimum 250 rubles).

Bank Tinkoff

Oleg Tinkov's bank - Tinkoff their Tinkoff Black card with interest accrued on the balance. Let's see what they offer:

Advantages :

1) accrued interest more below than Rocketbank and Otkritie Bank - 7% per annum(vs. 7.5%).

2) availability of cashback(cashback) from 1% to 10% (with special offers from partners, cashback up to 30% is possible). Cashback in real "real" money (rubles).

3) opportunity withdraw cash from any ATM in the world without commission. There is only one condition - the operation must cost more than 3,000 rubles (and no more than 150,000 rubles per month).

4) free service if there is an account balance of at least 30,000 rubles.

5) no replenishment fees, subject to replenishment of the account in the billing period for an amount not exceeding 300,000 rubles.

6) up to 20,000 rubles There is no commission per month for transfers from card to card.

7) in the application there is a chat.

8) in the application it is possible to open deposits, accounts (in three popular currencies), take out insurance, take out a mortgage or apply for another card.

9) remote account and card opening. You can order a card on the website and in a few days it will be delivered at a time and place convenient for you.

The Tinkoff Bank mobile application looks like this:

Flaws :

1) the smallest percentage in the review - 7% per annum.

2) there is an upper limit - 300,000 rubles. Only on this amount 7% per annum is charged, on everything above - only 3%.

3) a prerequisite is the presence of expense transactions on the card- 3,000 rubles per month. If the condition is not met, no interest will be accrued.

4) with a cash balance of less than 30,000 rubles a commission is charged for account maintenance - 99 rubles / month.

5) Paid SMS notifications- 39 rubles/month.

6) For replenishing your account for an amount exceeding RUB 300,000. - commission 2% from the amount (p.s. why top up more if over 300,000 rubles only 3% per annum is charged? (see point 2)).

Of course, this is not the entire list of banks that charge interest on the card balance. This review provides a list of banks that I either use now or have used previously. As an example, there are a few more banks that you can consider:

- Loko-bank. They promise a return of up to 9%, but there are conditions under which you must make payments through their Internet bank for 10,000 rubles or more. There are negative reviews on the banking.ru website. No experience of use.

- Touch bank. Charge up to 8% per annum. No fees for maintaining an account (for amounts over 50,000 rubles). Been using it for about a year. During use, I felt that the bank was “raw” (either the bank itself or the application), although interest was calculated regularly. Opening (as well as closing an account and card) takes place remotely; there is no need to travel anywhere.
The mobile application looks like this:

Touch Bank has one funny feature: when the card (and account) is closed, it is impossible to re-open the card in their bank. The bank's software prohibits doing this, even if the client has changed his mind and really wants to do it.

- Corn . Yes, yes, this is also the name of the card. They accrue 7.50% per annum if there is a deposit amount in the account of 250,000.00 or more (upper limit 10 million rubles). For smaller amounts, the percentage varies from 4% to 6%. You can top up through Euroset, or from cards of other banks. You can withdraw up to 30,000 rubles per month without commission at any ATMs that accept MasterCard. No experience of use, but there are a lot of positive reviews online.

Here are the most popular banks that allow you to receive 7 percent or more per annum on your account balance. There are even more banks that offer 3-5% per annum on the balance, but for obvious reasons there is no interest in them.

In my opinion, the most profitable and attractive in terms of quality, cost of service and interest accrual is - Rocketbank.
This is what I currently use.

When choosing a card that accrues interest on the balance, the main thing is to find out all the conditions: the cost of servicing, the presence of conditions under which interest is accrued, limits and commissions. And only after analyzing the above conditions make a decision on choosing a bank.

What banks do you use? Or maybe opening deposits is more profitable and convenient than keeping money on a card? Share your opinion in the comments!

There is also an overview of a debit card with interest on the balance from RosEvrobank, article here: . In addition, the article describes the principle of calculating interest, the pros and cons!

Interest is accrued and paid by the bank monthly or quarterly on the balances remaining in the account after banking transactions. Accrual can be carried out by the bank daily. The rate can be set either as one fixed amount or separately for each month in accordance with the average balance. Amount of monthly or quarterly average remainder calculated by the bank using a special computer program based on:

• The real balance on current accounts at the beginning of each calendar day, the values ​​are summed up and divided by the calendar days of the working month.

• Interest on balances is accrued and paid by the bank in different currencies, depending on the type of current account, in Russian rubles, foreign currency, Euros, US dollars.

• The minimum billing period is a full calendar month.

• The interest received is rounded to the second decimal place and transferred by the bank to the serviced current accounts.

Interest is credited by non-cash payment via bank order:

• on the last calendar day of the month or quarter;

• or on 1 business day following the reporting period.

If the client terminates the contract early and closes the current account, interest on the balance for the last period is not accrued and is not paid by the bank.

Interest is also calculated on minimum balance on the current account (VAT). The conditions for providing this type of banking product provide for a certain minimum balance, on which a fixed interest rate is charged depending on the type of currency. The maximum period is 1 year, after which interest is paid.

What tariffs for accruing interest on current accounts do banks offer?

Depending on the bank’s interest rate policy, different interest rates may be set on current account balances. Let's consider the terms of agreements for cash settlement services and additional agreements of the following banks:

Bank	Bank management. bills (rub.)	Amount of average balances in rubles	Interest rate level, % per annum
Sobinbank		from 1.0 million to 4.999 million rubles.
		from 5.0 million to 14,999 million rubles.
		from 15.0 million to 49.999 million rubles.
		from 50.0 million to 100.0 million rubles.
			Not credited
		from 300,000.00 to 3.0 million rubles.
		from 3.0 million to 10.0 million rubles.
		over 10.0 million rubles.
J&T Bank	No charge	from 30,000,000.00
Just Bank	for free	Maximum level
		Maximum level
Bank Point		Maximum level

The fee for maintaining a current account depends on the selected tariff package, the presence/absence of turnover on the account, and the use of the Client-Bank system. If there is a small balance on the current account, the interest income received may be used to pay for maintenance.

What is the benefit?

Bank clients are given the opportunity to receive additional income:

• It is profitable to use monetary resources that are temporarily free from circulation, without opening deposit accounts;

• Ensure profitability without investing in deposits, interest-bearing and discount bills, the terms of which are strictly limited;

• Receiving income is carried out using a simplified procedure, without additional time;

• There is no need to transfer money anywhere to other accounts or provide documents.

Principle of calculation and tax on interest on current account

For example, if in September 2015 the interest rate was 8% in the first half, and from the 20th it was set at 7%, then the accrual on the average balance of 1,500,000 rubles is carried out as follows:

1,500,000 * 0.08/365 * 19 + 1,500,000 * 0.07/365 * 11=6,246.57+3,164.38=9,410.95 (rubles)

According to the procedure for maintaining tax accounting, %% on balances on current accounts is classified as non-operating income (clause 1 of article 346.15, clause 6 of article 250 of the Tax Code of the Russian Federation, Letter of the Ministry of Finance N03-11-11/131 dated May 19, 2011). The enterprise calculates the profit from the deposit during each tax period in accordance with the applicable scheme (general or simplified) taxation, and taxes are deducted.

Similar requirements apply to tax accounting of private entrepreneurs. Based on clause 6 of Art. 250 of the Tax Code of the Russian Federation, non-operating income includes interest on bank deposits, credits, borrowings, bank accounts, as well as transactions with securities and other obligations. Therefore, when calculating bank interest on balances in the entrepreneur’s current accounts, they are included in the amount of income.

Whether an additional 9.5 thousand rubles are needed monthly for 1.5 million rubles is decided by the owner of the current account, but even taking into account taxation at the general tax rate, when this amount is included in income, a positive balance is obvious.

In this material:

Debit cards with interest accrual on the balance are a modern, popular and reliable way to receive and store funds, as well as the preferred type of payment when making purchases from the population. Cards allow you to manipulate funds and receive income from storing monetary units in your account.

Debit cards can confidently be considered an alternative to a bank deposit. The main similarity is in storing savings in a bank account. The bank can dispose of funds at its own discretion and pays interest. The interest rate on debit cards is sometimes as good as the interest rate on a deposit. The card owner can withdraw any amount at his discretion, make purchases, and top up his account. You can buy and pay using the card online. These are the main advantages of debit cards.

Paying for purchases with a card is more profitable than cash. Most service providers give bonuses and discounts when paying by card. Cashback is a popular card feature that means returning money to the card upon purchase. The percentage of return on the amount varies from 0.5 to 10%.

What are debit cards

A debit card with interest accrued on the balance is a bank payment card, used to transfer monthly wages to an employee. Using the card, you can pay for selected purchases anywhere: a store, a cafe, a gas station, a beauty salon, a clinic, an online store, you can withdraw cash from a terminal, make transfers, pay utility bills.

From the debit card account, the holder has access to money for current expenses in the amount of the deposit balance. When choosing the most favorable conditions for a debit card, you should study the offers of many banks and compare the capabilities of cards from different banks.

Savings bank card - a bank card for storing funds in a bank account. Opens to an individual. The purpose of opening such a card is storage, accumulation and profit. Otherwise, such a card is called a savings card. It is possible, but not advisable, to withdraw cash before the expiration of the contract. In case of early withdrawal of funds, interest is recalculated.

The choice of card for payments and purchases should be made taking into account important indicators: interest rate, established restrictions when withdrawing cash during the day, commission for card transactions.

The best debit cards with interest on your balance

To understand which debit card is the most profitable, you need to familiarize yourself with the programs of all banks of interest. The best income card should have many characteristics. Desirable selection criteria:

• The payment system type of the card must be Visa or MasterCard. This type of card is accepted for payment at retail outlets in more than 200 countries around the world.
• Is interest charged on the remaining balance and how much? Interest rates in banks differ; there is no fixed rate.
• The card has zero or low annual maintenance.
• Availability of cashback operations and bonus programs. The holder benefits from the cashback function; when paying with a card with cashback, the owner receives a percentage of each purchase.
• Cash withdrawal at terminals without commission. You need to find out which ATMs allow cash withdrawals without interest, and where you will have to pay, and what the interest is.
• Each bank sets a limit to limit cash withdrawals per month. Such a limit should not be lower than 500-750 thousand rubles per month.
• The debit card must be connected to the mobile application.

Profitable debit cards - have a rate of no more than 11.5%. Advantageous debit cards with interest accrual from the following banks:

Sberbank - recommends a debit card with interest accrued on the Maestro Social balance. This is the only offer from Sberbank. There is no charge for card servicing. Additional services for 150 rubles per year. At Sberbank ATMs, replenishing cards and withdrawing cash is free; at other self-service terminals, organizational fees are taken into account.

VTB Bank 24 is a salary card with the ability to accumulate savings and receive interest on the account balance at an interest rate of 8.5% per annum. The card is issued to the client free of charge. Cashback from 1 - 5% depending on the type of card, discounts up to 40% from bank partners.

Alfa Bank - offers debit cards with interest on the balance of Visa, MasterCard Platinum and Platinum Black / Black Edition. Interest accrual on the balance is 8%. Package "Maximum" - monthly payment 3000 rubles. If the total balance for the month exceeds RUB 35,000, no payment will be charged. The daily card limit is up to 600 thousand rubles. Abroad and within the Russian Federation, withdrawal of money is possible without commission. There are partner discounts of 10% on all bank offers.

Tinkoff Bank offers a debit card with the ability to earn income by storing funds. Bank interest on balances up to 300 thousand rubles - the tariff rate is 7% per year, if the deposit is replenished, the accrued interest is 4%.

Russian standard - the largest percentage on the card account is offered by MasterCard Platinum. The balance will be charged 14% per annum. Servicing the card per year will cost the holder 10 thousand rubles, but if the amount exceeds 600 thousand rubles. for 5 years, the card is serviced free of charge. For expenses less than 30,000 rubles, the profitability is reduced to 12%. Cashback up to 10%, club discounts - 30% worldwide.

Debit card rating

Bank's name	Card type	Category	Advantages	Maintenance cost per year	Interest
Touch Bank	Debit	MasterCard World	1% on all purchases 3% on purchases of your favorite category	0 - 3,000 rub.	7-8%
Smart card Bank opening	Debit	Visa Classic	1% - the amount of monthly purchases up to 30,000 rubles. 1.5% - the amount of monthly purchases from 30,000 rubles 10% — cashback for promotions	0 — 3,588 rub.	7,5%
Alfa Bank	Debit	MasterCard World	0 – 10% from purchases Max. cashback in month - 2,000 rubles; total purchases per month from RUB 20,000	1200 - 3,588 rub.	0 – 7%
Svyaznoy Club Tinkoff	Debit	MasterCard World	1% — bonuses from purchases 14% — bonuses from purchases from partners	0 — 1188 rub.	5–10%
Maximum income Platinum LokoBank	Debit		0.5% — cashback 5% — cashback in cafes/restaurants from RUB 5,000	0 — 4200 rub.	5–10%
Evolution AK Bars Bank	Debit	Visa Platinum	1.25% cashback on goods/services Specialist. bonuses and discounts for affiliate programs	0 — 948 rub.	4–9%
Platinum Bank VTB 24	Debit	Visa Platinum, MasterCard Platinum,	bonuses from 25 rubles, after 25 rubles	0 — 10200 rub.	8,5%
World Map Platinum	Debit	Visa Platinum	4 miles for every 35 rubles. from all purchases 6,000 RUR welcome miles	0 - 10,200 rub.	0,1–8,5%
Golden	Debit	Visa Gold, MasterCard Gold, World Premium	Bonuses starting from 30 rub.	0 — 4200 rub.	8,5%
Bank in your pocket Gold Russian standard	Debit	Visa Gold, MasterCard Gold	1% — cashback on goods/services 5% — cashback on purchases of clothing and shoes up to 10% - cashback on purchases through affiliate programs	0 — 3000 rub.	up to 8%
Bank in your pocket Russian standard	Debit	Visa Classic, MasterCard Standard, MasterCard Unembossed	1% — cashback on purchases 5% — cashback on purchases of clothes and shoes 10% — cashback on purchases through affiliate programs	0 — 900 rub.	up to 8%
Bank in your pocket Russian standard	Debit	Visa Platinum, MasterCard Platinum	1% cashback on purchases 5% cashback on purchases of clothing and shoes 10% cashback on affiliate programs	0 — 11988 rub.	8%
Onetwotrip Tinkoff Bank	Debit	MasterCard World	1% - bonuses on purchases 7% — bonuses when paying for a hotel 4% — bonuses when paying for air flights	0 — 1188 rub.	4–8%

Many interesting offers were prepared by different banks, but the Top with the maximum interest on the balance included: Tinkoff Bank, VTB, AK Bars Bank

It’s good when the card has cashback and a good interest rate on the balance. The Top debit cards with large cashback include: Russian Standard Bank - up to 10%; LocoBank - 5%; Otkritie Bank - cashback on promotions - 10%.

The most profitable debit cards of 2019: comparison of interest on account balance

Debit card name	Bank	Interest on balance	Cashback when paying for goods/services
Svyaznoy Club Tinkoff	Tinkoff	8-10%	14%
Bank in your pocket Gold Russian standard	Russian standard	8%	to 10%
Bank in your pocket	Russian standard	8%	10%
Onetwotrip Tinkoff Bank	Tinkoff Bank	8%	—
Evolution	AK Bars Bank	8-9%	1,25%

Now the majority of banks do not charge interest on the balance of their own funds on the card account; more precisely, they do this only at the “Demand” rate. The rate implies 0.01% per annum. But there are also pleasant exceptions.

There are different ways banks charge interest on personal funds on a card. Let's look at them in more detail.

Debit cards with interest accrual

The essence of the first method is to choose a debit card, in which, according to the tariff, the accrual of interest is “sewn in” on the balance of funds. This method is practiced by a small number of banking organizations. For example, MDM Bank bank cards of two categories accrue 3% per annum, these are the Infinite and Platinum categories.

The same thing is observed with the Platinum card from the banking organization Tinkoff Credit Systems. According to it, the bank charges 8% per annum on the balance of funds (if this balance does not exceed 200 thousand rubles, otherwise 4% is charged).

To calculate interest, you don’t have to write any grueling statements, everything happens automatically. However, there is a certain disadvantage to this - if you decide to change your card to some other one from the same bank, interest will simply stop accruing.

This is easy to understand using an example: if you issued a Visa Platinum card at MDM Bank with an accrual of 3% per annum on the account balance and you had to issue a card with a transport application, then the latter is considered a separate product, and the accrual of interest on its tariffs is not included. Thus, you will have two options for solving the problem - either abandon the old card with interest accruing, or keep both cards, paying the cost of annual maintenance for each of them.

The same principle applies to special “Income Cards” that banks create to accumulate funds. Promsvyazbank issues such a card, charging up to 4.5% per annum in rubles.

Savings accounts

The second method involves connecting a savings or savings account to the card account. If the client expresses such a desire, then a separate account is opened for him, and interest will be accrued on the balance of funds on it. This method is used by Svyaznoy Bank, Rosbank, Alfa-Bank, Russian Standard, etc.

For example, at Russian Standard Bank it is possible to connect a “Savings Account”. If the balance on the bank card exceeds 300,000, then 10% per annum will be charged on this balance. If the amount is below 300 thousand, then the accrual is halved (5%).

Alfa Bank has several savings accounts - “My Safe”, “Blitz Income”, “Valuable Time”. The package of services that you activate, the time the funds remain in the account and the minimum amount in the account directly affect the profitability of the savings account at Alfa Bank. Thus, the maximum return on the “Valuable Time” account is 7.5% per annum in rubles.

One complication is that money must be transferred to a savings account from your card account through an ATM or through banking (or with the help of a specialist working at that bank).

If the account balance is below 100 thousand rubles, then clients can connect to a SAFE account using Svyaznoy Bank cards. In this case, they will be charged 10% per year, but if the amount exceeds 100 thousand rubles, then the interest rate is halved (5%).

The advantage of this method is the ability to connect your account to any card. For example, if you are the owner of a Cosmo debit card from Alfa Bank, then you can write a corresponding application, and you can easily connect a savings account to this card. The same can be done if you have any other bank card.

Social cards with interest accrual

A separate case from the previous two methods is the accrual on bank cards, which are intended for certain categories of citizens, for example, for pensioners. Here they practice both accrual options, that is, directly a card with interest accrual and a pension savings account together. The average interest rate on these products ranges from 3 to 4% per year. For example, in AK Bars and Sberbank you will have to open a pension savings account in addition to the card. In AK Bars, the accumulative pension account will accrue up to 1.2% per annum (depending on the amount in the account), in Sberbank - 3.5%. And the Bank of Moscow operates a separate “Pension Card” and accrues 4% per annum.

Credit cards with interest accrual on your own funds balance

Quite interesting products are credit cards, which provide the opportunity to store the borrower’s own funds on them, on which interest is charged. In fact, such cards are universal - debit-credit. As long as you have your own funds on them, you use them, and if your own funds are not enough, you can use the credit limit.

Such cards are offered by MTS Bank, Svyaznoy Bank, Sovetsky Bank and a number of others.

At MTS Bank, depending on the type of credit card, interest will be charged from 5 to 8% per annum. At Sovetsky Bank, using the Such Your Gold credit card, 7% is accrued on the balance of your own funds, and at Svyaznoy Bank, using the Svyaznoy WORLD MasterCard card - up to 10%.