In April 2017, the Russian Federation adopted a new law on the national payment system. According to it, all persons who receive payments from the budgetary and non-budgetary funds of the Russian Federation must use a special MIR card. The innovation applies to subsidies, pensions, scholarships and salaries of state employees.

Terms of receipt and service

The MIR payment card from VTB is a national banking product that was developed with state support. It looks like a standard plastic, has its own logo, a hologram from fakes and a corporate pattern.

To apply for a MIR card, there is no need to contact one of the branches of the VTB credit organization to order it. Plastic is issued directly by the enterprise or organization where the individual is registered. The service contract and other documentation is signed in the accounting department on site. All production and maintenance costs are borne by the enterprise, so the individual does not pay for anything. But exactly as long as it is listed there.

Card activation

To unlock the MIR card from VTB and start using it, you must follow the following instructions:

1. Go to the "Internet Bank", which is located on the official website of VTB. The login for registration can be found in the contract, and the password can be received via SMS.
2. Next, get a pin code. To do this, you need to call the number indicated on the site.
3. Check your balance at any VTB ATM.

After that, the card will be activated and ready to go.

Many holders are also interested in the question of how to put money on a Mir plastic card. You can replenish it using an ATM or by making a money transfer through VTB Bank. You can also transfer money from a virtual wallet.

Cancellation of the card

Civil servants, pensioners and other state employees, as consumers, may refuse to issue a MIR card, since it is not mandatory. But in this case, they will receive wages at the cash desk of VTB Bank in cash or to their current bank accounts. In the latter case, no other cards should be linked to the account.

To refuse this banking product, it is necessary to provide an appropriate application to the accounting department of the budgetary organization where the individual is registered (you can see a sample application on the VTB website). You also need to attach your account details to it.

Rates

VTB Bank has developed two types of cards for its clients: Classic and Gold. The difference between a premium product and a regular one lies in the cash withdrawal limit and the conditions of bonus programs. Also, owners of gold plastic can use the Concierge Service and receive free insurance against fraudsters.

View	classical	Golden
Annual maintenance cost	750	3000
Term of use	3 years	3 years
Monthly cash withdrawal limit	1 million	2 million
Daily cash withdrawal limit	100 000	250 thousand
Bonuses	1 bonus for 50 rubles	1 bonus for 30 rubles
Currency	Rubles, dollars, euros	Rubles, dollars, euros
plastic recycling cost	375	1500

Card for state employees: pros and cons

The possibilities of using the MIR card are very wide. Therefore, do not be afraid to switch to this card. Plastic has many benefits. The key ones are:

• All production and maintenance costs are borne by the organization where the individual is registered.
• In VTB ATMs and bank partners, cash withdrawals are carried out without commission.
• Plastic holders are informed by SMS messages about payroll.
• Owners become members of the Compliment and Collection bonus programs.
• Intra-bank transfers to another card are absolutely free. You can urgently transfer money online using one of the virtual payment systems.
• You can pay by card in the largest stores in Russia.
• You can simultaneously open three accounts in currencies such as rubles, dollars and euros. You can exchange currency at a favorable rate on the Zolotaya Korona website.

However, the social card is far from perfect, since the payment system of the Russian Federation is only in its infancy. Because of this, this card is not accepted in all retail outlets in Russia. In addition, it works only on the territory of the Russian Federation, so the holder does not have the opportunity to use it abroad and make payments in foreign online stores.

Features of the MIR payment system

The national payment system in Russia was created in 2015 at the initiative of Russian President Vladimir Putin. The Bank of Russia acted as the curator of this project. Plastic meets international standards and is convenient to use. It is issued by the country's leading banks, including VTB, so it is supported by almost all ATMs in Russia.

Variety of cards

The MIR payment system has issued several types of cards. There are the following cards:

• Classic - can be used to make purchases in stores and pay for services. It is also suitable for making payments via the Internet.
• Debit - prepaid cards allow you to make purchases only online.
• Premium - a platinum card provides the holder with many benefits. In addition to the fact that it makes it possible to pay in virtual and real stores, it offers various bonuses, personal support, free information via SMS and a mobile application.

This diversity allows each client to choose the most suitable option based on their requirements.

Special conditions for users

In April 2017, the Russian government passed a law according to which all state employees must switch to the MIR payment system. One year was allotted for this task. However, for pension recipients and employees of state-owned enterprises and organizations that use plastic from other systems, the conditions for the transition are much simpler. They can get a new card at the end of the old one until 2020.

The transition to the MIR card is not mandatory for those state employees who carry out work activities outside the country or live abroad.

Differences of the card from Visa and MasterCard

The main difference between the MIR card and the cards of other payment systems is that it takes into account all the features of the financial market of the Russian Federation. Its work does not depend on the external economic situation, so it is a stable payment instrument.

An important difference is also the binding to the currency. If Visa and MasterCard are pegged to the dollar and euro, then MIR is pegged to the ruble. This is due to the fact that at the moment the Russian payment system has not received the support of the international currency.

Long-term goals

At the moment, the national payment system of Russia is at the stage of active development and improvement. Therefore, in the future, the MIR card from VTB will significantly expand its functionality. In particular, it is planned to introduce:

• NFS system, that is, the ability to pay for goods through a smartphone;
• cashback from 10% to 15% when paying for purchases in partner stores of the bank;
• additional graphic plastic elements that will increase the level of security;
• contactless technology to pay for purchases with one touch to the reader.

In addition, we plan to make it possible to carry out payment and settlement transactions around the world, in any stores and online trading platforms. Negotiations are also underway to issue a co-badged Mir card from VTB. All this will bring it to a new level and make it more in demand.

The MIR card from VTB is a settlement tool from the Bank of Russia. Today it is issued by the largest national banks, including VTB. It is mandatory for all state employees. However, there is an opportunity to refuse to receive plastic. Then wages, pensions, scholarships and other payments will be issued through the VTB cash desk. While the national payment system is at the stage of its development, therefore, this VTB product cannot be used abroad.

The times when wages were paid through the cash desk of the enterprise are long gone. Today, almost any person who is officially employed has a salary card. Salary projects of banks allow for fully automated settlements with employees.

What is a payroll project?

A salary project is an actual agreement between an enterprise and a banking organization on the payment of wages or any other payments through a plastic card. A VTB 24 loan for payroll card holders, as a rule, is issued on more loyal terms than for ordinary customers.

Business Benefits

In addition, the company also receives a number of advantages:

1. The procedure for calculating salaries is carried out by the bank, as a result, the process of paying employees is significantly reduced.
2. Saving money on the collection service.
3. Individual payments of each employee are endowed with confidentiality.
4. Bank cards are serviced around the clock.

VTB 24 salary card: conditions and characteristics

Below are all the possible products that can be offered by VTB 24 for a salary project, as well as the characteristics of a particular type of card.

• The maximum limit for cash withdrawals per day will be 100,000 rubles.
• Service for issuing up to 5 additional plastic media, two units will be issued free of charge.
• Discounts of bank partners, which are up to 20%.
• Connecting the overdraft function for up to 300,000 rubles.
• The amount of salary received must be at least 15,000 rubles.
• The amount of cash back is 1%.

The indicated VTB 24 salary cards have options for use in international systems.

• Elevated cardholder status.
• The daily limit is increased to 200,000 rubles.
• An additional increase in the discount of bank partners up to 25%.
• Overdraft for plastic reaches 300,000 rubles.
• Service for insurance of deposits on the card.
• Increased cash back position up to 3%.
• The salary level is from 40,000 rubles.

VTB 24 gold salary cards are executed in international payment systems.

• The limit is raised to 300,000 rubles daily withdrawal.
• Increase discounts up to 30%.
• The overdraft will amount to 750,000 rubles.
• Insurance of individuals traveling outside the Russian Federation.
• The salary level should be from 80,000 rubles.
• Cash back will be 5%.

In this case, only one payment system is available for mutual settlements.

The privileged card type is characterized by the following features:

• From 150,000 rubles salary.
• Cash back will be 5%.
• Opportunity to receive four free bank cards.
• Concierge service is a specialized round-the-clock service that will help you book accommodation or tickets anywhere.
• Priority Pass provides the opportunity to use the VIP services of any airport in the world.

Conditions for obtaining VTB 24 salary cards

The process of issuing VTB 24 payroll project cards is quite simple, while there are no costs for persons who are future cardholders. As a result of joining the project, a person will receive a VTB 24 salary card. The conditions for acquiring it are discussed in detail below:

1. Employment by an employee of an enterprise who is a client of VTB Bank and cooperates with this financial institution as part of a salary project.
2. Immediately after official registration in the personnel department, the employee is informed of the exact address of the bank branch where the enterprise is serviced. It is there that the card for this employee will be ordered.
3. On the specified day (usually the procedure takes five banking days), you must visit the office with a document proving your identity and receive a card in your hands.

The advantage of VTB 24 payroll products

The benefits for employers are:

1. Ease of entry into the VTB 24 salary project for employers. The application is made online on the bank's website. Specialists will definitely contact the phone number listed on the VTB 24 website.
2. Service and tariff rates are developed individually for each corporate client, according to the volume of services provided and the number of employees.
3. By individual agreement, it is possible to install electronic banking terminals of the organization in the company's offices, which allows the use of VTB 24 salary cards, both by employees of the enterprise and by third parties.
4. Simplification of the conduct of cash register operations, the service of a salary project is to some extent an outsourcing type of work on settlement and cash services, which will save time and money for the enterprise.
5. Reduces jobs and payment for specialist services.
6. Guarantees timely payment of salaries to employees, calculated without errors according to the submitted statements.

Benefits for employees

The benefits of the VTB 24 payroll card for employees are listed below:

1. Any employee, using the terminals of the bank or its partners, gets the opportunity to withdraw cash without charging interest for using the service. The balance of the VTB 24 salary card will not decrease by the amount of the commission.
2. Payroll project card users have the opportunity to order and issue additional card products.
3. Services of a short-term interest-free loan for an overdraft operation are provided, replenished after the funds are credited to the holder's card.
4. The use of cards is possible both on the territory of the Russian Federation and abroad.
5. Activation of the Internet banking service at the cardholder.
6. No additional costs for servicing the card product by the cardholder, since all costs for their maintenance are paid by the employer.
7. Providing project participants with services for opening a credit line.

Credit conditions for persons participating in payroll projects

As mentioned above, the VTB 24 loan for salary card holders is carried out on more loyal terms than for persons not participating in salary projects. What are these conditions?

• The loan product is provided under special loyal conditions and requires a smaller package of documents for registration. In some cases, only an application and a cardholder's passport will be enough, since the level of your income is already known to the bank.
• Specific conditions for participants in the salary card project depend on the choice of a credit program provided by the issuing bank.
• In some cases, a credit card is sent in addition to the main plastic card. Usually "Classic" or "Golden" cards are provided with a grace period of 55 days, a maximum amount of 300,000 rubles and a reduced interest rate.

VTB 24 Bank offers its customers many options for salary cards. Currently it is:

• the most common is the classic VTB 24 salary card;
• golden version of the card with special conditions;
• platinum option;
• special option with privileged conditions.

Each option has its own special conditions, and what is especially pleasant, recently the bank has offered cash back in the amount of one percent of the amount that is credited to the account. So, let's consider each of the card options offered by the bank.

classic model

The simplest option is the classic model, which is issued to the client if he receives a monthly salary of 15 thousand rubles to his account. Only in this case, you can become a client of the bank and receive this card model. The advantage of this option is that the amount of wages should be relatively small, and as an incentive bonus you will receive monthly cash back of 1%.

Cash back means that every month you will receive one percent of the total amount of your salary just like that, as an “incentive prize”. That is, the minimum from a salary equal to 15 thousand, you can get 150 rubles completely free.

VTB 24 Gold Salary Card: conditions

A more profitable option is the VTB 24 gold salary card. However, it can also be issued under certain conditions, more stringent than the classic version. So what do you need to get it? You must have a salary of more than 40 thousand rubles.

This will result in:

• insurance of those funds that are on the card against an unforeseen event;
• additional card absolutely free;
• Cash back, increased, unlike the classic version, by 3%.

As you can see, the holders of such a card receive quite generous interest and additional opportunities ranging from funds insurance to an additional bank card. As practice has shown, this option is considered the most preferable and popular among other salary cards. However, not everyone can get it, but only those whose wages exceed 40 thousand rubles.

Platinum Card

Of course, the golden option can be called quite profitable, however, a platinum card has an even more preferable set of services, which, unlike the two previous options, is issued in the event that you earn monthly from 80 thousand rubles or more.

At the same time, you receive the following set of services:

• insurance of those persons who travel outside the Russian Federation;
• not one, but two free cards;
• Cash back equal to 5%.

In order to get such fabulous conditions, you only need to do one thing - regularly receive your wages on a VTB 24 card.

Privileged Option

If you are the proud owner of a salary of 150 thousand or more per month, then you can count on a privileged option from VTB 24. It is the conditions of this card that can be called the most profitable.

Owners receive the following terms of service:

• the same Cash back equal to 5%.
• unlike the previous option, you already get four free cards;
• concierge service;
• Priority Pass.

So let's figure out what is concierge service And Priority Pass.

1. The first one is a dedicated service to help you anytime, anywhere. Everything from buying plane tickets to booking a hotel can be done with this service.
2. As for the Priority Pass, then this service allows you to visit almost any VIP airports around the globe, starting from Armenia and ending with other countries of the world. It is clear that not everyone has the right to such a card, and you can “get” it only if you earn more than 150 thousand rubles a month.

Advantages

So, what else do you get, in addition to the above benefits? This:

Thanks to these and many other advantages, you can not worry about the safety of your funds and get the most out of using them.

By the way, on the day you receive your salary, you will always receive an SMS notification about the replenishment of your account.

Benefit

Cooperation with VTB 24 Bank has many benefits, including:

• the absence of any commissions for transferring funds to you;
• free both maintenance and reissue;
• service conditions are the same for all regions of Russia;
• an account is opened completely free of charge;
• as a gift, you can always get welcome points for joining the incentive program.

And in addition to all the above benefits, you get first-class service from bank employees, accuracy in calculations and maximum safety of your funds.

The Mir system was developed and adopted by the relevant bill in 2015, actively spreading among banking organizations. State regulation establishes appropriate standards for the release and maintenance of plastic solutions, leaving the opportunity for banks to introduce their own technical and software developments. In this article, we will consider the possibilities of the VTB 24 World card for state employees, the pros and cons of such a system, tariff offers based on real experience of using reviews and other features of the offer for everyday use in 2018.

What is the Mir system

The national payment system was designed as a necessary response to financial sanctions and other restrictions. The production of plastic products using this technology implies the following advantages for the inhabitants of Russia:

• preferential conditions for receiving and further servicing, in accordance with the generally accepted program for the dissemination of a modern payment method;
• financial security and independence from other banks, guaranteeing the safety of your funds;
• application in daily work of the latest software and technical developments in the field of security and advanced functionality management;
• currency storage is available in Russian rubles for individuals and legal entities;
• execution of financial transactions in all ATMs of issuing banks on favorable terms.

State regulation contributed to the drafting and issuance of a draft law, according to which all public sector employees must switch to the NSPK starting from July 1, 2017. The choice of a servicing bank is made individually depending on personal needs:

• the presence of additional functionality;
• location of ATMs and service centers;
• opportunity to work in a particular region;
• co-branding offers.

Terms of service and use of the card

The VTB 24 Mir card for state employees is a salary solution that can be a good alternative when choosing a banking offer that operates on the domestic payment card system.

According to the official bill, your organization has the right to independently decide on the choice of a servicing bank, which can be one of the largest commercial banks - VTB 24.

Several types of debit cards are available for the client to choose from - classic and gold. The classic version is positioned as a traditional payment element that can satisfy the daily needs of customers. The basic maintenance package includes access to the virtual control panel and a number of other features.

The World Gold salary card offered by VTB 24 boasts a large set of additional options that are optionally activated by the owner. Also, a nice addition for Gold-offer customers will be free insurance against theft of funds and the availability of a unique concierge service, where you can quickly get advice on issues of interest and solve problems that have arisen.

In accordance with the policy of attracting new customers, the release and further operation are free of charge, subject to employment at a state-owned enterprise.

After leaving, you can keep the card for further use, in which case you will have to pay the full cost of the annual service.

Activation of the Mir card from VTB 24

Having received a free plastic product in your hands, for its further functioning it is necessary to go through the activation process. This procedure is the same for the owners of the classic and gold solutions. For convenience, the following methods have been added to go through the activation process:

• by contacting a specialist at the nearest service office. The employee will ask the client to provide some personal and technical data, after which he will manually add the payment solution to the system with the possibility of its further use;
• using a virtual control panel, where you will need to first pass identification. An SMS message with an access code will be sent to the mobile phone number specified during the execution of the contract, which will act as protection against intruders. Go to the appropriate section and select "Activation". Here you can also find out the current balance of funds, the available limit, get access to a number of other services;
• by calling the free round-the-clock support service, where the operator will explain to you the next steps for completing the authorization process VTB World 24 salary project;
• using the official ATM, where in the menu it is enough to click on the “Activation” item, after which this process will be performed automatically.

Advantages and disadvantages in 2018

As with other payment solutions, before using the offer from VTB 24, you must first familiarize yourself with the advantages and disadvantages of this method in 2018.

First of all, you should pay attention to the payment system itself:

• each employee of budgetary organizations must change their card to this banking solution without fail;
• You can order a plastic product both independently and with the help of your organization. The map will be ready as soon as possible;
• state regulation avoids the emergence of monopolies in this market among organizations. The difference between the proposals lies mainly in the additional options.

VTB 24 offers a choice of classic and premium solutions. Users distinguish: increased limits for cash withdrawals, free production and maintenance, use of modern security technologies in operation. Considering the offer from VTB 24 - the Mir Premium salary card, the advantages of which are extended functionality, we can highlight the presence of a large number of additional options. As long as you are an employee of a state enterprise, the service is free. As a disadvantage, limited use abroad is noted.

At the end of 2015, the first national payment system "Mir" was launched in our country. The operator serving it is National System of Payment Cards JSC. It was designed to create an independent money transfer system within the country and abroad in the near future. To date, all major banks issue the Mir card and serve customers on a par with other world-famous monetary systems. Today we will consider not only how such a system works and how it differs from others at the moment, but also find out reviews about the Mir map.

How the national card works

The advantage of the national payment system is that it does not depend on economic and political factors, and nothing can affect its functioning. Among the shortcomings, it can be noted that this system is just starting to work, and it takes time to develop its potential. How does the World map function and what are its purposes?

Opinion of Mir cardholders

It is safe to say that the reviews about the Mir payment card are all positive. Many users of the national transfer system first encountered it when the employer expressed the intention to transfer wages to this card. Since more than 70 Russian banks cooperate with it, potential holders have no concerns.

Like everything new, you always want to try it in action and check the effectiveness. The Mir card had no problems with money transfers, replenishment of a mobile phone account, payment in an online store and grocery supermarkets. Reviews of the Mir bank card, as a domestic product, evoke a sense of patriotism and pride in the country, since it is not inferior in its functionality to Visa, MasterCard, Maestro.

For people who are active on the Internet (purchases, work), it is also important how safe the transfers will be. When making transfers of funds, there were no delays and system freezes. Thus, the feedback from users of the Mir card is positive.

Bonus system of the Mir card

To maximize the development of the functionality and attractiveness of the card among the population of the country, the Mir bonus program was developed. It lies in the fact that when making payments with partners of the payment system, the cardholder is awarded points or miles, which he can then apply at his own discretion. According to reviews, users of the Mir card noted that the bonus system is attractive, but how to use it is not yet clear.

In which case the Mir card will not be able to work

As you know, the national payment system is only planning to enter the world market. In order to travel abroad now, it is required to issue a Mir co-badging card, since it will not be able to work in a simple format, as it is now. When it is issued in any bank, the employee will be required to warn you about this. Therefore, there are no reviews about the Mir card from holders who made payments with it abroad.

Among the shortcomings, it was noted that the distribution of the payment system is not as wide as that of its global competitors. Therefore, in small organizations you may be denied service.

VTB24 Bank is a member of the national transfer system

This is one of the first Russian banks to start issuing a national card. Moreover, its release meant immediately 4 options: classic, gold, platinum and "Privilege". These cards are available for use both in free form and on a salary project. VTB24 offers the public to issue a Mir card for use both within the state and abroad in the form of a co-badged one.

The bank's management shared their plans to issue the card. Starting from the end of October to the end of December 2016, it was planned to issue about 350,000 cards for public sector organizations, and by 2018, the annual output is planned to be about 1,400,000 cards. Card servicing is possible in all ATMs of the bank and its partners, where there is a sticker "Mir".

Reviews about the Mir payment system card

The operation of the Mir card, regardless of the financial institution (VTB24, Sberbank, Alfa-Bank, etc.), is not affected by the choice of the bank itself. Accordingly, reviews about the Mir card of one bank practically do not differ from reviews about cards issued by another financial institution. The difference will be only in the nuances of serving the population. All settlement operations are carried out on a par with other similar systems. And it is impossible to meet a review about the Mir card as a card that works worse than MasterCard, for example.

Many are of the opinion that the mandatory transfer of pensioners and employees of budgetary organizations is nothing more than a way to spread the national payment system as much as possible. Someone perceives "coercion" negatively, and someone neutrally. But this does not affect the reviews of Mir card users.

It is pleasant to note that this is the first national system that not only loudly declared itself, but also justifies the expectations, as was originally promised by the President of the Russian Federation. It also aims to become a global money transfer operator. This was noted by the majority of users in the reviews of the Mir payment card.

"Map of the World" from "VTB24"

VTB24 has developed a plastic card based on the Visa payment system. It was created for citizens who often travel by plane or train. Depending on the type of transport (airplane or train), there is a specific card where, after purchasing a ticket, you are credited with miles. Also, when booking a ticket at a hotel, you will be credited with a bonus as a traveler. The advantage of this card is that it is issued free of charge (annual maintenance is paid), free travel insurance is provided for the entire period of validity of credit obligations on the card.

This is a card that allows you not only to replenish your account, but also to take a loan from VTB24. Offered (up to 50 days) like most similar products, providing extra comfort on top of your mileage bonus.