Payment card "MIR" from "Sberbank of Russia": features and special offers. How to determine which bank the world card belongs to

Development of a national system of plastic cards - necessary phenomenon contributing to the creation financial security and reducing the influence of foreign payment systems Visa and MasterCard. Although enough time has passed since the release of the official draft law on the development of the NSPK, the issue of the operation of the Mir card abroad remains relevant for 2018.

In this article we will consider:

• the question of the functioning of the Mir system abroad;
• the largest partner companies that guarantee stable work abroad;
• the possibility of paying with a national payment card for common goods and services.

Is the Mir card valid abroad

Plastic solutions on the Mir system began active distribution among employees public sector and pensioners from July 1, 2017, which made the issue of paying for goods and services abroad with such a card relevant. This issue is relevant and is constantly raised among bank representatives due to the ambiguity of the current situation:

• ATMs and similar payment services do not accept Mir plastic products in other countries;
• co-branding solutions began to be actively produced on the market, allowing to make payments in some large services;
• There is an active dialogue on the development of a line of co-badged cards together with Master Card.

Each of the points requires special consideration, because it is almost impossible to find a payment point abroad on your own.

Where does the Mir card work abroad

The functioning of the domestic banking system in other countries today is based mainly on co-branding developments. Co-brand is the development of a joint solution with another large partner company, which allows you to get significant benefits when paying for goods and services in its network. As an example, we can single out AliExpress, which is actively working with Russian buyers.

A complete list of such companies and agreements can be found in the corresponding section of the official website of Sberbank or other banking representatives. It should be noted that the interaction with the NSPK is carefully controlled by the relevant state authorities.

Is it possible to pay for purchases abroad with a Mir card?

Considering the question “Is it possible to pay with the Mir card abroad?”, it is worth highlighting the ongoing negotiations with Master Card, which may lead to the development of a whole series of international co-badged cards. This type of plastic solutions operates on several payment systems at once with the ability to automatically switch between them.

In Russia, the card will work with Mir, abroad - with Master Card. The issuance of such a decision should completely resolve actual question on purchases abroad and make national development more popular among the population. You can track up-to-date information on this issue in the news section of the official website of the National Bank.

The MIR payment system is the Russian national payment system, established in July 2014, the main goals of which are to create security, uninterrupted operation and accessibility of all modern financial services to Russian residents. The founder of NSPK (National System of Payment Cards JSC) is central bank Russian Federation from authorized capital 500 billion rubles.

The presence of its own payment system will provide the inhabitants of Russia with a payment instrument, the operation of which does not depend on external economic and political factors.

The first MIR cards were issued at the end of 2015, and at the beginning of 2017, 62 banks joined the issuance of MIR payment cards.

How to get a MIR card at Sberbank?

Sberbank started issuing bank cards of the national payment system MIR at the beginning of 2017. On the this moment to its customers, the bank offers two types of MIR cards - Classic debit and pension cards.

You can get a MIR card at any branch of Sberbank of Russia, unfortunately online card issuance is not possible at the moment. To obtain a card, you must have a permanent or temporary registration on the territory of the Russian Federation.

To receive a classic MIR card, you need to have a passport with you, and to receive a pension card, an additional document confirming the receipt of a pension.

1. Contact any branch of Sberbank of Russia (the nearest branch to you can be found on the official website of the bank)
2. Provide an identity document (for a pension card - an additional pension certificate)
3. Sign an application form for obtaining a MIR card.

The cost of servicing the MIR card in Sberbank

The cost of servicing the MIR Classic Card at Sberbank of Russia is 750 rubles for the first year and 450 rubles starting from the second year. Additionally, a mobile bank (SMS notifications) can be connected to the card, which costs another 60 rubles per month.

No fee is charged for the issuance and maintenance of the MIR pension (social) card. A mobile bank service for this type of card costs 30 rubles per month.

Daily limit for free withdrawal Money from the card is 150,000 rubles per day for a classic card and 50,000 rubles per day for a social / pension card. For cash withdrawals over the daily limit, a commission is charged - 0.5% of the amount exceeding the limit.

The commission for withdrawing cash from the MIR card at ATMs of a third-party bank is 1% of the withdrawn amount and cannot be less than 150 rubles.

note that payable service mobile banking is connected only on a voluntary basis and is not mandatory. If you want to save money, you can connect an economical mobile bank, it is free and differs from the paid one only in the absence of notifications about card transactions.

Advantages of the MIR card from Sberbank

The bonus program "Thank you from Sberbank" is connected to the card, with the help of which you get 0.5% bonuses from any purchases with the card, and up to 10% from purchases from bank partners.

Large withdrawal limit (150 thousand rubles per day for a classic card, and 50 thousand rubles for a social card)

The ability to receive a pension on a bank card by concluding an agreement with the Pension Fund of the Russian Federation.

A huge network of Sberbank ATMs throughout Russia.

Convenient internet banking mobile app Sberbank Online for iOS (iPhone and iPad) and Android phones.

High degree of card protection, all MIR cards are equipped with a chip. Also, all MIR cards have MirAccept technology, which ensures the security of payments on the Internet.

Disadvantages of the MIR card from Sberbank

The disadvantages of the MIR card include an increased service fee (service is free for state employees), so the cost of annual service is 750 rubles a year (450 starting from the second year), despite the fact that many banks offer free payment cards, for example, in the same Sberbank you can get a free chipped card.

Most terminals lack the ability contactless payment, since at the moment modern terminals support contactless payment methods PayWave and PayPass, and for contactless payment using a MIR card, owners of PoS terminals will have to re-equip them for the NSPK chip.

MIR card security

Salary card Mir

The MIR salary card can be issued to employees of any organization, both budgetary and commercial.

All expenses related to maintenance and release to the employee salary card WORLD is taken over by the employer. Thus, for employees receiving salaries on the MIR card, the card will be absolutely free.

World map for state employees

The State Duma approved a draft law (Federal Law No. 161) obliging banks to use only MIR cards for cash payments to pensioners and employees of budgetary organizations. The entry into force of this law is scheduled for January 1, 2018.

In accordance with this law, it is planned to issue MIR cards to public sector employees, pensioners, students - for subsequent transfer wages, pensions, scholarships, allowances.

And the speaker of the State Duma, Vyacheslav Volodin, proposed transferring all the salary accounts of deputies of the Russian Federation to the MIR card.

You can refuse to receive wages on the MIR card on a voluntary basis, but in this case you will have to receive a salary through the cash desk of the organization.

World map for pensioners

The MIR social card for pensioners is currently issued on request and is free of charge.

To obtain a card, you must contact any branch of Sberbank of Russia, provide an identity document (passport) and a document confirming the receipt of a pension (pension certificate).

The MIR pension card has a number of advantages compared to the classic card:

• has a free service
• interest is charged on card balances (3.5% as of April 2017)
• preferential SMS informing (30 rubles per month)

How to receive a pension on a card in Sberbank

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History

In April 2015, an all-Russian creative competition was announced for best name and national trademark payment system, as a result of which the Russian payment system will receive the name "Mir" and a trademark with the image of a globe. The corporate colors are green and blue.

From April 1, 2015, payments within Russia on all plastic cards, including Visa and MasterCard, go through the National Payment Card System (NSPK) - the operator of the MIR payment system. The legally established goal of creating the NSPK is to ensure the continuity, efficiency and availability of the provision of money transfer services (part 1 of 30.1 of the Federal Law No. 161-FZ “On the National Payment System”) and the mechanism for security contributions of payment system operators that are not nationally significant . (Regulations on security contributions<...>, approved by the Bank of Russia on June 12, 2014 No. 423-P).

The first issuing banks were Gazprombank, MDM Bank, Moscow Industrial Bank, RNKB, Bank Rossiya, Svyaz-Bank and SMP Bank. The first Mir-Maestro co-badged card, which can be used to pay in Russia and abroad, was issued by Gazprombank in December 2015.

In April 2016, it was announced that in 2017 mass production of Mir cards with support for contactless payment for goods and services will begin. The pilot project should be launched before the end of 2016. It is planned that over time it will be possible to pay for travel in the metro with a Mir contactless card.

At the beginning of 2017, banks began issuing cards with the possibility of contactless fare payment on transport.

Not later than July 1, 2017, absolutely all banks of the Russian Federation are required to start accepting MIR cards at POS-terminals and ATMs at least. In addition, against the backdrop of discussions about the possibility of introducing additional commissions when withdrawing funds using VISA and MasterCard cards, MIR cards do not provide for such an opportunity and will not provide in the future.

Principle of operation and features

The Mir payment system has debit and classic cards, overdraft is supported.

Mir payment cards can be issued with chips of both Russian (NIIME and Mikron, Angstrem) and foreign production.

In April 2016, it was announced that in 2017 mass production of Mir cards with support for contactless payment for goods and services technology would begin. The pilot phase was launched before the end of 2016. It is planned that over time it will be possible to pay for travel in the metro with a Mir contactless card.

Security

The design of the Mir cards uses several branded elements that guarantee the safety of use, including:

• The graphic symbol of the ruble, visible in ultraviolet radiation;
• Chip (microprocessor) of gold or silver color;
• Branded hologram "Mir" with an element of a shaped lens - when changing the viewing angle, an illusion of transition from a convex surface in the center to a flat hologram along the edges should be created. Also in the hologram there is a hidden graphic symbol of the ruble.

"NSPK JSC (the operator of the Mir payment system) also acts as a processor for international payment systems: we serve all traffic on the territory of the Russian Federation. Wherever you pay for purchases or services with any card, all transactions go through us. The daily number of transactions on cards of all payment systems that are processed by NSPK is approaching 20 million transactions," says Vladimir Troyanovsky, Director of the NSPK IT Department.

Participants and distribution

• At the end of 2016, 177 credit institutions were members of the Mir payment system, while 47 banks issue payment cards, also 94 banks serve the Mir card at ATMs, POS-terminals and on the Internet. and as of September 2016, up to 1.1 million transactions per month were carried out on them. Mir cards are accepted by about 165,915 ATMs and more than 1.2 million POS terminals. The mass release of Mir cards was planned for autumn 2016. As of December 31, 2016, 1,843,532 cards have been issued.
• By the beginning of 2018, it is planned to transfer all state employees of Russia to the new payment system. This measure drew criticism from a number of Russian banks. The fact of violation of consumer rights and freedom of competition was confirmed by the FAS Russia represented by Lilia Belyaeva, Deputy Head of the Financial Markets Control Department, who sent an official opinion to the Central Bank: “The adoption of this document may lead to a restriction of competition in the payment systems market and including in connection with the establishment of the need for them to receive different kind budgetary payments only to accounts, operations on which are carried out using payment cards"Peace" . In turn, the Head of Sberbank German Gref also spoke out against the transfer of all state employees to Mir: “If any preferences arise for any system, this leads to an increase in the cost of services and a drop in quality. So I think it's really important to keep the competition level.” Executive Director of the "National Payment Association" Maria Mikhailova on December 28, 2016 sent an official letter to A.G. Aksakov, in which it was noted that the Draft Law imposes on banks "the obligation to re-register relations with all their clients in one year<...>". Banks do not refuse to transfer budget funds using the Mir card, the discussion revolved around the ban on disposing of these funds using cards of other payment systems, and the norm that obliges banks to open separate accounts for the Mir card caused a special resonance, clarifies the executive director "National Payment Association" Maria Mikhailova... In her official letter to A.G. Aksakov, she indicates that "the obligation of banks to open separate accounts for MIR cards may be inconvenient for Russians with limited mobility. Concerns about the rapid mass transition to MIR cards in 2018 were expressed by the chairman of the board of the International Confederation of Consumer Societies (ConfOP) Dmitry Yanin: “I can hardly imagine the work of our financial institutions when millions of elderly Russians come there to get a Mir card Elman Mekhtiyev, Executive Vice President of the Association of Russian Banks, draws attention to another aspect of the introduction of amendments, which concerns the work of banks: “The main costs will be related to the fact that cards need to be changed unscheduled. The argument is that there will be a peak in spending, and then another peak in spending. Due to the influx of people, banks will have to recruit new employees, and then fire them after switching to the Mir card. The main concerns of experts around this Draft Law are caused by the rapid pace of transferring state employees to MIR cards: - the restriction of citizens in the right to dispose of their funds as a result of the adoption of amendments; - additional costs and inconvenience for the consumer, especially for pensioners and people with limited mobility, as well as residents of the regions: an opaque mass transfer scheme, the lack of a motivation system for the transition, forcing to open and maintain several bank accounts at once (MIR cards cannot be used to pay for border), etc. - creation of unequal competitive conditions in the payment market in Russia; - the creation of uncertainty regarding the mechanism for implementing the law, which could potentially have far-reaching consequences, in particular, an increase in cash turnover in the Russian Federation. ----
• Banks denied the information about their dissatisfaction with the transfer of all budgetary payments to Mir cards. As a representative of Otkritie Bank told Interfax, the Central Bank's demand to transfer budget payments to Mir cards is technically feasible, and there is no talk of letters to the head of the Central Bank. Alfa-Bank and Promsvyazbank adhere to the same position. "It's just that until now legislative norm, which did not work, and now I have introduced a bill according to which banks should switch to new system from January 1, 2018. Naturally, this requires effort. Winter always comes unexpectedly,” Aksakov noted. Following the denial false information about the dissatisfaction of the banks, the position of the Ministry of Finance followed, which supported the mandatory transfer of payments to state employees to Mir cards. Fears that the transition to the Mir card contributes to failures in the payment of pensions and benefits were also removed by the official statement of the press service of the Pension Fund of the Russian Federation: "The transition to the Mir cards will absolutely not affect the payment of pensions and benefits," the fund said.
• At the end of 2016, Anatoly Aksakov, head of the Financial Markets Committee, were submitted for discussion in State Duma amendments to Federal Law No. 161-FZ "On the National Payment System". The draft law amends part 5 of article 30.5, establishing that, no later than January 1, 2018, banks that are members of the NSPK are required to ensure that individuals receive national payment instruments of funds from the budgets of the Russian Federation and state extra-budgetary funds. Thus, all types of payments from the budget individuals should be carried out to bank accounts linked to national payment instruments, and transactions with payment cards on bank accounts to which payments from budgets and state non-budgetary funds are credited should be carried out only using national payment instruments (that is, MIR cards, taking into account new definition of the term "national payment instrument", proposed in the Draft Law). This applies to all types of payments from the budget and state off-budget funds. According to Alma Obayeva, Chairman of the Board of the National Payment Council, in 2017 banks are required to provide customers with the required minimum of 40 million MIR cards.

see also

Notes

1. "UralPolit.Ru", Editorial Zapsibcombank offers to connect to system card Mir // UralPolit.Ru (indefinite) . UralPolit.Ru (July 18, 2016).
2. Chapter NSPK: mass issue of Mir cards will begin from III quarter (indefinite) . RIA "Novosti" (March 28, 2016).
3. Rules payment system Mir. Approved by the Decision of the Supervisory Board of JSC NSPK (Minutes No. 13 dated 01 October 2015) (indefinite) .
4. The payment card Mir was purchased eight thousand clients in all Russia (indefinite) . IA REGNUM (April 27, 2016).
5. National payment card received name "Mir" (indefinite) . RBC (May 23, 2015).
6. Central Bank: NSPK signed first co-badged agreement with MasterCard (indefinite) . RIA Novosti (June 19, 2015).
7. NSPK and Japanese JCB agreed to issue co-badged cards (indefinite) . Interfax (July 7, 2015).
8. NSPK and American Express agreed to issue Mir cards (indefinite) . RBC (July 20, 2015).
9. The first issuers cards Mir - Gazprombank, MDM Bank, MINB, RNKB, Rossiya, Svyaz-Bank, SMP Bank (indefinite) . Banki.ru (December 15, 2015).

At the end of 2015, the first national payment system "Mir" was launched in our country. The operator serving it is JSC " National system payment cards. It was designed to create independent system transfers of funds within the country and abroad in the near future. To date, all big banks issue a 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, account replenishment mobile phone, payment in the 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 from 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 bonus system attracts, 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. 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

For the operation of the Mir card, regardless of financial institution("VTB24", Sberbank, "Alfa-Bank", etc.) does not affect 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 express the opinion that the transfer of pensioners and employees of budgetary organizations to without fail 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 service 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.

The national payment card Mir of the Russian payment system of the same name has been issued since 2015 by the banks of the Russian Federation, providing its holders with independence from the operation of international payment systems (IPS). As you know, in 2014, Visa and MasterCard MPS “distinguished themselves” by the fact that they stopped servicing cards of a number of Russian banks, depriving customers of the opportunity to pay for goods and services with their help, and withdraw cash from ATMs.

Currently Bank card The world has the same functionality as the cards of the above-mentioned MPS, and you should not worry too much about the possibility of accepting cards at various outlets, since it is enshrined at the legislative level that all banks must ensure the acceptance of national payment instruments from July 1, 2017. Who is the guarantor of the uninterrupted functioning of the national card, where it can be obtained, and what will change for the Russian when it is used as a payment instrument, we will discuss in this article.

National Payment Card System (NSPK) - operator of the Mir payment system

After the US imposed sanctions against Russia in March 2014, the clients of some Russian banks (the account goes to hundreds of thousands of people) felt them firsthand. First, Visa and MasterCard blocked transactions with SMP Bank cards without prior notice, and then such a fate affected a number of other banks. Such actions by the Ministry of Railways were a clear threat to the financial system and economy of Russia, in connection with which, in the same month, the President of Russia approved the idea of ​​​​creating a national payment system to ensure the interests of the country, and already in May he signed the federal law No. 112-FZ “On Amendments to the Federal Law “On the National Payment System” and certain legislative acts Russian Federation".

The result of this law was the creation in July 2014 joint-stock company"National System of Payment Cards" (NSPK), the main function of which was to ensure the efficient and uninterrupted provision of card payment services within the country. The NSPK was tasked with the following tasks:

1. Creation of a payment infrastructure for processing all domestic transactions with cards of international payment systems within the Russian Federation;
2. Creation of a national payment system.

Transfer of all card domestic transactions within Russia

The first task of the NSPK was to develop and test the appropriate infrastructure for full translation processing (transaction processing) to Russia using cards of international payment systems issued by Russian banks. The fact is that the chain of passing a transaction during a card payment in a trade and service enterprise (TSP) necessarily includes intermediate(data processing center), which is located between the acquiring bank (serving payments to merchants within the framework of the service) and the issuing bank (issuing the card). This link is the operator of the payment system, which plays key role in transaction processing: all requests for authorization (obtaining approval for a card transaction) go through it.

If the processing center is located on the territory of another state, then any political exacerbations relations can lead to undesirable consequences, as happened between the US and Russia. The United States, as part of the imposition of sanctions, affected the transnational IPS Visa and MasterCard, which are under the jurisdiction of the United States, and the latter blocked card transactions of some domestic banks.

It was after these events that Russian specialists began developing from scratch all the necessary infrastructure for processing domestic transactions using cards of third-party payment systems, and made this hard work literally in 5 months with full compliance with modern safety standards of the Ministry of Railways. An operational and payment clearing center was created, which could perform the assigned task, “closing” all domestic Russian transactions within the Russian Federation.

For reference: the operation center performs the functions of exchanging electronic messages between all NSPK participants, and the payment clearing center ensures, within the framework of the payment system, that the instructions of its participants on the transfer of funds are accepted for execution (funds are not debited from accounts immediately after payment for the goods, they are first, but at the end of the day, settlements between banks take place).

Thus, in 2015, all domestic card transactions of the IPS Visa and MasterCard were processed on the territory (under the jurisdiction) of Russia (including Crimea), and for the refusal of the banks participating in the IPS to ensure that requests for transactions with cards of other banks were sent to the NSPK large fines were relied upon (so that foreign banks operating in the territory of the Russian Federation did not follow the sanctions and did not block requests from those banks on which sanctions were imposed by a foreign state).

The danger of centralized blocking of card transactions within the Russian Federation from abroad has passed, but the risks of denial of service, despite high fines, still remain - a large number of credit institutions are "subsidiaries" of foreign banks. Therefore, the second the most important goal The NSPK was to create a national payment system and a national payment card.

National payment system Mir

Creation in 2015 of the national payment system Mir (hereinafter referred to as NPS) - is not less than important step in the development of the country's economy and financial system, which guarantees the continuity of card transactions and absolute independence from sanctions from outside. By the way, such a “comprehensive” name and logo appeared as a result of the All-Russian creative competition, the winner of which was Sosnovskaya Elena - a resident of Udmurtia.

NSPK is the operator of NPS Mir, having created on the basis Russian technologies operating and clearing center. Another integral function - the settlement center - is performed by the Central Bank of the Russian Federation (when using national payment instruments).

For reference: the settlement center ensures, within the framework of the payment system (PS), the execution of the instructions of the PS participants, by debiting and crediting funds to the bank accounts of the PS participants, as well as sending the relevant confirmations.

The Mir payment card is issued by domestic banks on the basis of NPS Mir. Thus, the Russians are offered (on a voluntary-compulsory basis) a completely domestic banking product. It is enshrined at the legislative level (see Federal Law of 05/01/2017 No. 88-FZ that:

• From July 1, 2017, the card will be issued to all state employees who open new bank accounts to receive budgetary payments (including salaries);
• From July 1, 2018, state employees who are already receiving payments will receive them on the Mir card (before this date, such persons should already have this card in their hands);
• Until July 1, 2020, all state employees will receive pensions and other social benefits from Mir cards pension fund Russia, including judges in this way will receive a monthly life allowance.

Bank card Mir. What is it and where can I get it in 2017?

What is it for a Russian?

First of all, the Mir national bank card is a payment instrument that can be used to pay for goods or services (for now) in Russia (including on the Internet), make transfers and withdraw money from ATMs. In Crimea, it will also be accepted for payment. A Russian paying within the Russian Federation will not notice any difference between plastic cards of well-known international payment systems and his new card. The only thing that could be a problem is at least, at first, - not all outlets will accept cards for payment.

There is no need to worry about large retail chains, they all now accept these cards. This obligation to pay national maps The world has been emerging since 2017 from sellers whose revenue for the previous calendar year exceeds 40 million rubles (Article 1 of Law No. 88-FZ).

At the same time, the law exempts trade enterprises with an annual revenue of less than 5 million rubles from such obligations, or if the merchant is located in a place where there is no cellular communication or no internet access.

It is unlikely that small and medium-sized sellers will ignore the provision of the possibility of accepting Mir cards - in this way they will simply lose potential customers. Moreover, support for national payment instruments, as a rule, is achieved through flashing installed by banks as part of the acquiring service. In addition, by July 1, 2017 (Article 2 of Law No. 88-FZ), all credit institutions are required to provide such support.

How to pay abroad?

There are two ways to pay abroad:

• Checkout Visa card or MasterCard - they will also be issued by all banks (the law does not cancel the use of international cards on the territory of the Russian Federation);
• Issue a so-called joint card with international payment systems at the bank.

Plastic cards "Mir" -Maestro (for example, in MTS-bank and Gazprombank) and "Mir"-JCB (Gazprombank) are now available. Co-badging projects with American Express and UnionPay are expected. Such plastic will work in Russia as a Mir card, and abroad it will be accepted in the international Maestro or JCB reception network.

Technical nuances

Russian banks in currently can issue three types of Mir bank cards: classic, premium and debit.

The first two types can be credit and debit, and the last type is budgetary debit or prepaid (including non-nominal). The cost of servicing each of them is determined by the issuing bank.

The first appearance of the family of national cards was not accompanied by the most flattering reviews: holders talked about the absence of bonus programs (loyalty programs), cashback, and functions (without it, the risks of losing their money when paying online increase). It was almost impossible to pay for plastic on the Internet. What is the current situation (mid-2017)?

MirAccept technology has been implemented - an analogue of 3D Secure, although not all banks support it yet (a matter of time). Find out about its support from your bank and pay attention to the presence of the corresponding logo on the website commercial enterprise. Contactless payment technology has also been implemented (analogue) - a number of banks already issue cards with such an opportunity (for example, SMP Bank, Moscow Industrial Bank, etc.).

As for loyalty programs, according to statements on the NPS official website, already in the fall of 2017, the loyalty program from PS Mir will be available to holders, when cashback up to 10-15% will be returned to the card account in cash, and not in bonus points. The program will be tested with several banks and outlets, and then all other participants of the PS will join it.

Nevertheless, already now in a number of banks there are various bonus programs, for example, Rosselkhozbank with a 5% refund when refueling at gas stations "TNK" and "Rosneft", or SMP Bank with the accrual of miles, and so on. FROM complete list promotional programs you can find on the official website of the PS: http://mironline.ru/.

According to reports from the official resource, the list of organizations and online stores that accept card payments on the Internet is expanding.

Where can I get a card and pay with it?

A rather impressive list of banks where you can get a card can be found on the official website in the "Participants" section.

Among them are Sberbank, VTB 24, Gazprombank, Alfa-Bank, Russia, etc. The list of banks issuing a card is constantly expanding - no one wants to be left out of work and be late for the "distribution" when great amount state employees will rush to draw up plastic to receive payments. It is possible that for security reasons, and, in the end, patriotism, many people will issue cards as a main or salary card.

In the same section of the site, you can see the list of retail chains that accept the card for payment.

And using the Locator service, you can find all ATMs serving the Mir card in your locality.