The Mir card for military personnel from VTB was created in 2011 jointly with the Ministry of Defense of the Russian Federation. This VTB product is intended for those citizens who serve in the Russian army. Their cash payments Army employees receive immediately on the card, which is much faster and more convenient. In the Visa payment market and Mastercard card world is one of the most popular, according to the information banking portal "Plas Daily".
Main advantages and disadvantages
It is noteworthy that largest bank VTB is the only financial institution that cooperates with the Ministry of Defense of the Russian Federation. Before concluding a cooperation agreement, this state structure carried out extensive research. In order to be honored to cooperate with her, the bank took part in a serious competition, where it outstripped other competitors and fully satisfied all the requirements put forward. Among them are a large number of ATMs throughout the country, affordable prices for maintenance, fast production of plastic, high-quality payment regulation and high security.
Every soldier entering the military without fail receives an army card that is tied to personal account. This allows holders to enjoy the following benefits:
- receiving wages directly to the account, which prevents the theft of funds from conscripts by old-timers of the army;
- the ability to replenish the card, for example, by relatives of an employee in the army;
- opening if necessary credit line, which prevents the start of issuing instant loans with high interest rates;
- cashless payments in stores;
- no commission when withdrawing money from ATMs of VTB and its partners, which allows you to make cash payments without big losses;
- VTB launched the service and made it possible to connect mobile bank, which allows you to conduct transactions online (if necessary, you can turn it off on your phone);
- replenishment of the card at any time.
Many are interested in the question of how to check the balance. It can be done different ways. The most convenient of them is through the Internet.
However, despite the many advantages of the army card, it has some disadvantages. Chief among them is that it is not suitable for business. Through it, it is also impossible to carry out operations with cryptocurrency and electronic wallets (Qiwi, Webmoney and other payment systems).
Registration and receipt
The banking product issued by the participating company salary project, that is, the Ministry of Defense of the Russian Federation. Based on this, the recipient does not need to contact the VTB branch or fill out an online application on the official website. Plastic is issued to each soldier upon arrival in the army. All necessary papers, including a service agreement, are signed in the accounting department of the enterprise.
However, if a conscript who has entered the service wants to draw up a world map on an individual basis, then he can visit one of the VTB branches or fill out an online application on the official website of the bank.
bank branch
Turning to VTB office, the applicant must have a passport with him. An employee of VTB 24 will provide an army employee with an application to fill out. The form must include personal information and the selected service package. The finished card must be picked up at the branch in a few days.
Online application
Only an existing VTB client can submit an online application for an army card. This is the fastest and convenient way design. The application must include the following information:
- personal data;
- selected package of services;
- passport data;
- registration address.
Application processing and card production takes 7-10 days. As soon as the plastic can be picked up, the client will receive an SMS notification.
Activation methods
The plastic holder only needs to activate it. This can be done in several ways. The activation methods are as follows:
- through a VTB 24 ATM;
- visit the bank office;
- go to Personal Area on the official website of VTB;
- commit free call on hotline jar.
Each client will be able to choose for himself the most best option depending on your capabilities.
Activation at VTB 24 branch
Many plastic holders choose to activate it directly at the VTB branch, as you can always count on the help of an employee. To do this, you need to provide the card itself and an identity document. The activation procedure is quite simple: the operator requests the balance balance, the owner enters the PIN code. After the specialist makes sure that the plastic is working, he returns it to the owner.
Activation through personal account
It is much more convenient and faster to activate online, since you do not need to go to the bank office and stand in long lines. This is done through VTB Internet banking.
Internet banking allows you to carry out a wide range of operations with a card on the network and view information on it. technology in particular , allows transfers. To transfer money to another card, you need to know the addressee's number.
To enter your personal account, you will need a username and password, which are indicated in the contract. You can also get a login and password in a message from VTB 24. Next, follow these steps:
- After logging in, you need to select the option "Activate a bank card".
- Next, you should get a PIN code, following the prompts of the autoinformer.
- The final step is to insert the card into the ATM and enter the received PIN.
After these manipulations, the card will be ready for use.
Service packages
The Mir card involves the connection of various service packages. The following packages became available to holders: classic, gold and platinum. Each of them has its own advantages.
| Package name | Classical | Gold | Platinum |
|---|---|---|---|
| Accounts | 3 in different currencies | 3 in different currencies | 3 in different currencies |
| Cashback | 0.01 | 0.03 | 0.05 |
| Additional cards | No | 1 gold card | 2 platinum cards |
| Bonuses | 30000 welcome bonuses under the program "Collection" | Fraud insurance; 500 welcome bonuses under the Collection program; concierge service. | Travel and fraud insurance; 700 welcome bonuses under the Collection program; concierge service. |
Terms of Service and Terms of Use
All expenses for the issuance and maintenance of an army card are covered by the Ministry of Defense of the Russian Federation. Maintenance of plastic remains free as long as the cardholder serves in the army. After the end of the service life, the cost of maintenance classic card is 700 rubles a year, and gold - 3000 rubles. You can restore the card after its loss for 375 rubles for the classics and 1500 rubles for gold.
The military card from VTB 24, which is intended for employees in the Russian army, is a convenient means of payment. Army payments are transferred to it. Plastic allows you to pay for purchases in any stores, and at VTB ATMs you can favorable conditions cash out funds.
The experts of the portal regularly receive questions from relatives and friends of young people serving in the army. All these questions come down to one thing: how can I transfer money to a VTB24 bank card that was issued in the army? Review publication date - 26.10.2012
The first way to replenish a VTB24 card is to contact any of the bank's branches. To send a transfer, you will need to find out the card number. It's 16 numbers on the front of the card. Also in the application it will be necessary to indicate the last name, first name and patronymic of the recipient of funds.
However, VTB24 Bank branches are far from being everywhere. If it is not possible to contact VTB24, send a transfer from any other bank. You can transfer money from your account or from a card, or make a transfer without opening an account, then you just come to the bank with cash, fill out an application and deposit the required amount at the bank's cash desk.
To transfer from another bank, you will need to know the full details of the recipient's card account. First of all, you need to find out the account number of the card. Do not confuse the account number with the card number. The account number consists of 20 digits and starts with "408". You can see it in the documents that must be issued along with the card. In the same documents, you need to see in which branch of VTB24 the account is maintained.
Now you need to find out the details of the branch itself. On the official website of VTB24, in the "Transfers and payment for services" section, follow the link "Transfers from bank account", there you will find the details of all VTB24 divisions. You will need the name of the branch, its BIC and correspondent account. Knowing all this data, you can send a transfer from any bank.
The problem is that the documents that should have been issued with the card could well get lost in the turmoil of card issuance. Then there is another option to send money - you can make a transfer by card number. You only need 16 digit number cards. Such a transfer can be sent, for example, from the office of Russian Standard Bank, through an ATM of Alfa-Bank or Transcreditbank, from a self-service terminal payment system QIWI.
Each at the recruiting station when sent to the army is given bank card. Usually this is a VTB 24 card. I consider it necessary to write important advice to those who will soon join the army. So that no one steals your money.
So, as soon as you were given your bank card and you got on the train. The first step is to remember the PIN code of the card. It consists of 4 digits, like any regular bank card. And the piece of paper with the pin code that you were given at the recruiting office must be immediately destroyed by tearing it into pieces. It is important. Since there were cases when the soldiers kept it together with the card and then they took money from them. Then take a marker and write your last name and initials on the front of the card. Since these cards are the same and not named, it can be easily confused. Then take a pen and on the back of the card, where you need to sign, write your last name and initials.
Now the most important advice. On any card on the reverse side, near the place for the signature, there are 3 numbers. They are required for online shopping. Knowing the card number and these 3 digits, any soldier can remotely write off money from the card. Therefore, we take, for example, a handle on the reverse side and rip it off. It is printed on paper, and is easily torn off, but you still have to make an effort. But first, these 3 numbers need to be remembered, just in case. Erase these 3 numbers and additionally scribble and sketch with a pen in this place. To be impossible to read. It is important!
As soon as you get into the unit, sergeants, ensigns and even officers can ask you for a pin code from the card, supposedly to enroll you allowance in the amount of 2000 rubles. Never share your PIN code with anyone. The card number is allowed, but the pin code is not.
As soon as you get into the army, there will be sergeants in the unit, ensigns who will agree to collect money from you and buy you all sorts of Snickers, Coca-Cola. Never buy for the first time. See if the sergeant brings others sneakers, or collects the money and scams you. Naturally, in the army, sneakers that cost 35 rubles are sold for 100 rubles. And they profit from you. Take with you to the army at least 1000 rubles, in bills of 100 rubles. So that you have enough for Snickers at first. Never give out a bank card with a pin code. Your sergeant will take all your money and deceive you. In the army, deception is very popular when a sergeant or ensign tells you that he will go to an ATM and withdraw money.
Suppose you have 5,000 rubles on your card, which your relatives transferred to you. You ask the sergeant to withdraw 500 rubles. for every need. The deception is that he will withdraw all your money, and he will tell you that he has withdrawn only 500 rubles. Such cases are very frequent. Therefore, you can trust your map only to your company commander. He usually holds the rank of Captain or Major. They usually don't cheat. Once you get into the army there is still such a deception. They may collect cards from you, ostensibly in order to activate them at an ATM. Never give. And if they say that it is mandatory to hand over, then write the wrong pin code. You don't need a pin code to transfer money. It is enough to provide the card number. I repeat myself on purpose so that you remember and do not become a victim of scammers.
Ideally, you need to withdraw money from the card yourself. If there is an ATM in the unit, for example in the headquarters. Or, for example, to shoot when you go to the city on leave.
And remember the main rule regarding money in the army. Never lend to anyone. Because in 4 cases out of 5 you will not get your money back. Your co-workers may ask you for money, coming up with various reasons, motivating you to be one team, and you should help each other, that you will serve together for a whole year.
Do not give in to persuasion, and do not lend money to anyone. Fraud in this case may consist in the fact that your colleague will ask for your card number and say that, for example, his relative will allegedly send money to your card. In fact, no one will send anything and you won't be able to check since you don't have a phone. Do not lend money, you will be fed with promises to pay back after the salary, but this can last until the demobilization. And you won't see your money.
Since 2011, VTB 24 has entered into a contract with the Ministry of Defense of the Russian Federation, under which military personnel have the right to receive their salary on a bank card. There are no problems with obtaining a card: for each soldier who arrived on military service, a special nominal army card VTB 24 has already been postponed. All the rules and requirements regarding the use of the card can be found both on the bank's website and in the contract.
VTB 24 was selected based on a tender that considered a variety of financial institutions. The main advantages of this bank were the speed of issuing cards, as well as the availability of ATMs throughout Russia. VTB, as well as its partners, do not charge a fee for cash withdrawals from the card.
Terms and conditions for using the VTB 24 Army Card
The program, under which military personnel can receive their salaries on the card, has long become an alternative to traditional issuance Money on your hands. In order to receive your salary or money transfers from relatives, you can use one of the ATMs of the bank or its partners (more than 11 thousand throughout Russia). The heads of army units report that, having received the opportunity to pay salaries to soldiers on the card, they managed to solve the problem of withdrawing cash from conscripts by senior soldiers.Advantages of the military program from VTB:
- transfer of salary to the personal account of the cardholder;
- the VTB 24 army card makes it possible to transfer money to other accounts and receive money transfers from relatives;
- you can open a line of credit;
- the possibility of cashless payments by card;
- zero commission for cash withdrawal at any ATM of VTB and partner banks.
How to activate the Army card
It is enough to send a request so that the bank receives information about the readiness to use the card.This can be done in this way:
- through a self-service device;
- at the information kiosk;
- on the official website of the bank;
- by the phone number that is written on the back of the bank card.
Money transfers from the Army card
To transfer your funds to another user's account, you need to know his card number:- Insert plastic card into the ATM slot.
- Go to the "money transfers" section.
- Select the transfer method "From card to card".
- Enter the recipient's card number and indicate the desired amount.
- Confirm your intention with the appropriate key.
You can transfer money through M-banking or VTB 24 Online. If necessary, you can transfer money from an army card to one of electronic wallets: WebMoney, Qiwi, Yandex.Money.
How to check the balance of a VTB 24 card
There are such ways:- go to the nearest bank branch;
- check the status of the account through an ATM;
- use the Telebank or VTB 24 Online system;
- call the contact VTB center by number 8-800-100-24-24.
conclusions
VTB Army Card is a convenient way to receive a salary, money transfers, making cashless purchases. The only disadvantage of such a card is that when withdrawing money through ATMs of third-party banks, a commission of 100 rubles is charged. But there are ATMs of VTB and partner banks throughout the country, so this problem is gradually being eliminated.