Belarusbank savings card. Card of the Club "Shchodra" of Belarusbank - description and list of partner stores. Partner stores of the Shchodraya card from Belarusbank
Keeping savings the old fashioned way at home, in a closet or under a mattress today is unprofitable and unsafe. “Money should bring income to people”, - they decided in “Belarusbank” and offered a novelty - savings cards. Their attraction is that the money is still under your control, you can use it at any moment, but at the same time, interest is charged on savings.
Belarusbank offers two types of savings cards: BelKart-M and Visa Electron. The first, equipped with a magnetic stripe, is designed to store savings in Belarusian rubles and use it on the territory of Belarus. The second, with a magnetic stripe and a chip, allows you to keep dollars on the card, receive income from them and use money not only in Belarus, but also outside the country. Anatoly BOGOVIK, Director of the Settlement Center for Plastic Cards of Belarusbank JSC, spoke in more detail about the benefits of savings cards.
good income
The minimum deposit amount in rubles is 300 thousand, in dollars - 100. The amount of income depends on the balance on the card account, the savings currency and the storage period. There is a simple principle: the larger the amount, the higher the interest rate. Add money and the bank will pay you more. With a ruble card, you can receive income up to the level of the National Bank's refinancing rate plus 2 percentage points (now it is 16 percent per annum), with a dollar card - up to 5 percent per annum. For example, if there is an average of 3 million rubles on the card throughout the year, then the bank will add more than 200 thousand rubles to you.
Always at hand
A savings card is just a godsend for everyone who is used to having money always at hand, they can be used at any time. If you are going to visit another region of Belarus, take a ruble savings card with you. Going abroad - you can use a dollar card. You may not need money while traveling. But you will feel more confident. At the same time, money will work every day, generate income. And if you urgently need cash, you can always withdraw it free of charge at any of more than 2,000 ATMs of Belarusbank and partner banks. This is over 85 percent of all ATMs in Belarus.
A lot of possibilities
Savings card "Belarusbank" opens up great opportunities for you. With its help, through information kiosks, ATMs and payment terminals in bank branches, you can pay for utilities, repay loans, pay for cellular communications and Internet access, pay in stores and do much more. Your money on the card will also benefit the country. After all, the more often you pay for goods and services in a non-cash form, the less the state will have to spend on issuing and servicing paper money. According to some estimates, every thousand rubles in cash in the country's economy costs the state 150-200 rubles. If you calculate on the scale of Belarus, then a lot of money will come out.
Money under protection
Cash at home is always a risk. After all, no one is immune from thieves, fire or flood, arranged by neighbors from above. With this in mind, it is much more convenient to keep at home not a stack of rubles or dollars, but a compact savings card. Even if something happens to it, you can always make a duplicate of it and freely dispose of your savings.
Large and reliable bank
Belarusbank is the largest bank in Belarus. He can be trusted. After all, the return of all savings in it is guaranteed by the state. The bank, whose history spans more than 85 years, employs experienced employees. "Belarusbank" is always there. It has more than 1800 branches and about 60 banking service centers. And this means that many residents of the country can use the services of the bank, including savings cards.
If a Shchodraya Belarusbank card appeared in your purse, then you received a winning ticket. All because with this card customers can use really generous terms of service. Now we explain in detail all the details of this offer.
Characteristics of the Shchodraya card from Belarusbank
Belarusbank is a partner of many unique partnership programs, and therefore a generous Shchodraya card has appeared in its product line, which allows you to use not only standard services, but also receive bonus rewards for using it as a payment instrument in retail chains and Internet services.
The Shchodra card is made in the form of ordinary plastic, which has following characteristics:
- Payment system of plastic - Mastercard or BELKART Maestro.
- Issued in 4 currencies: euro, US dollars, Russian rubles and Belarusian rubles.
- When paying, you can use a magnetic tape, a chip or PayPass (contactless payments up to 20 BR in the terminal network).
- Due to the fact that Shchodraya is issued in different currencies, owners can make payments in foreign services and use it abroad.
- Has the status of a savings card.
- Issued to clients for 3 years.
- Accepted for payment anywhere in the world.
Related video:
Partner stores of the Shchodraya card from Belarusbank
The cashback program of the Shchodra club is not limited to national partner stores. Since it works on the basis of the Mastercard payment system, there are already over 1200 organizations who offer their advantageous offers to holders.
This is how the list of card partners looks on the official website of the bank In the Republic of Belarus, bonuses for payments with the Shchodraya card occur in more than 7 thousand outlets:
- In clothing stores (the largest cashback is at the points of sale of TUE "Belkoovneshtorg Belkoopsoyuz" up to 7%).
- In jewelry stores 12% can be obtained from the Jewelery Manufactory and 10% - in 7 Carats).
- In grocery markets 7% return give the shops of JSC "Gomeldrev").
- In the dental centers of Bohemia and Aesthetic Dentistry, you can return up to 6% of funds.
- Asvik Group furniture stores allow you to save up to 12%.
In addition to this, Shchodroy holders, if they wish, can arrange for themselves an installment plan under the Magnit program at a reduced price with a 50% discount.
The main advantages of the "Magnet" card And that is not all:
- The owner of the Shchodraya card from Belarusbank has the right to choose 3 system user owners Velvet, Ready, Carte Blanche and Magnet, with which he will replenish the account without commission.
- Making an insurance policy with a 15% discount.
- Service connection.
- Grace period for using the SMS notification service ( for 3 months).
Maintenance fee for the Shchodraya card
Like most banking products, savings can be issued two ways:
- At a bank branch.
- Through remote services for user self-service.
Card design methods For this reason, the service charge is divided for two blocks. We will give an example of the design of "Shchodra" in national currency:
When issuing “Shchodroi” from Belarusbank, the client can access and open accounts in the following banking services:
A payment card in Belarusbank can be obtained by all categories of the population, including pensioners, you will have to provide a minimum package of documents. There are options for standard and chip cards, you can also choose a debit card with contactless payment.
Types of debit cards of Belarusbank
Payment cards are serviced by payment systems:
- Belkart.
The cards are personalized. They can pay for goods in stores and the Internet, transfer to other accounts, withdraw cash. If it is provided by the program on your card, then in partner stores you can receive discounts when paying or cash back on the card. There are design options.
Conditions for obtaining payment cards in Belarusbank
To get a payment card at Belarusbank in 2020, you must provide an application and a passport.
Usually the conditions are common for all customers, regardless of the type of product:
- age from 14 years old (more often from 18 years old);
- citizenship of the Republic of Belarus.
The cost of service depends on the selected service package and on the status of the card. With the help of our site you can apply for in without having to leave your home.
Today, many banks in Belarus are ready to offer their customers several savings cards to choose from. In total, there are about 30 variants of this product on the market now, not counting the premium segment cards.
Each card has its own characteristics: for example, there may be options that are good for active use, and there are those that are suitable for savings and, in fact, replace the contribution. But in any case, everyone wants to get the maximum additional income, so when compiling the rating, we relied on interest rates.
map | up to 10 million | 10-50 million | 50-100 million | from 100 million |
savings | from 0.5% to 20% | |||
savings | from 0.01% to 18% | from 18% to 25% | ||
Belgosstrakh | ||||
stash | from 0% to 10% | from 20% to 28% | ||
Kaleidoscope | from 22% to 27% |
As we can see, in terms of profitability, savings cards are not inferior to term bank deposits. Compared to deposits, savings cards have both advantages in the form of mobility and availability of funds, and disadvantages in the form of an unfixed interest rate.
"Savings" from Belarusbank
The "Savings" card is well suited for large savings, as it has the best rate for amounts from 100 million in the amount of 28%. Also, the "savings" has competitive rates from 10 to 100 million, but for amounts up to 3 million, the bank will pay you practically nothing, only 0.5%.Map: BELCART
Price: free registration and maintenance of the card
Minimum balance: absent
branches and ATMs of Belarusbank, ATMs of BPS-Sberbank, Belinvestbank and Belagroprombank.
branches and information kiosks of Belarusbank
"Savings" from Belinvestbank
The best offer for large amounts from 100 million. If you decide to issue this card, do not forget to grab 500 thousand for the initial payment, it will also be the minimum balance in the future, on which interest will also be charged. As for small amounts, only 0.01% will be charged for amounts up to 1 million. For amounts up to 15 million, the card is also inferior to its competitors, offering only up to 18%. The rate is floating and the bank has the right to change it within a few days.In addition to favorable interest, the advantage of the Savings card is also the presence of a wide network of bank branches and ATMs of partner banks, where you can withdraw savings without commission.
Map: Visa Electron, Maestro, BELKART-PREMIUM-Maestro
Price: 75,000 for issuing a card (one-time fee)
Minimum balance: 500 000 rubles
Cash withdrawal without fees: ATMs of Belinvestbank, Belarusbank, Belagroprombank, as well as MTBank (if you have issued a Visa card).
Cash replenishment without commissions: through an information kiosk or a branch of Belinvestbank.
"Belgosstrakh" from MTBank
The card can only be issued at the post office. When registering, you must make an initial payment of at least 150,000 rubles. If the down payment is 5,000,000 rubles or more, you will receive insurance against injuries and accidents as a gift.Of course, at the moment the Belgosstrakh card is the most advantageous offer for small and medium amounts up to 50 million, however, it is worth noting that interest rates can be changed with just 1 day's notice.
Map: Visa Classic
Price: free registration and maintenance
Minimum balance: absent
Cash withdrawal without fees: MTBank, post offices, ATMs of Belinvestbank and Belgazprombank.
Replenishment: post offices, MTBank.
"Secret" from Francabank
The "Tainichok" card, along with the savings cards of Belarusbank and Belinvestbank, gives priority to large and medium amounts. Already from 15 million you will receive 28%, which makes this card the best option for significant account movements.The inconvenience when working with this card can be caused by a small number of Fransabank branches and the lack of partner banks: there are only 3 banking service centers in Minsk.
Map: BELKART-PREMIUM
Price: one-time fee for issuing a card - 60,000 rubles
Minimum balance: absent
Cash withdrawal without fees: Fransabank branches and ATMs
Cash replenishment without commissions: Francabank branches
"Kaleidoscope" from Home Credit Bank
Perhaps the only savings card that has competitive rates for both small and medium and large amounts. The minimum rate does not fall below 22%, while Kaleidoscope is the leader in terms of profitability in amounts from 50 to 100 million and shares the lead with the Belgosstrakh card in amounts from 10 to 50 million.The bank notifies about changes in interest rates 10 days in advance. The disadvantages of the card include the lack of partner banks, given the not very developed regional network of the bank.
Map: MasterCard Electronic
Price: one-time fee for issuing a card - 35,000 rubles
Minimum balance: 20 000 rubles
Cash withdrawal without fees: Branches and ATMs of KhKBank
Cash replenishment without commissions: branches of KhKBank
