How to link a Mir pension card to Yandex money to pay for an order from Aliexpress? How to pay with a Mir pension card for an order on Aliexpress? Payment card "Mir": owner reviews, features and services.


Linking is needed if it is convenient for you to pay online with a card - without replenishing your wallet.

You enter your card details once, the service remembers them. Then during payment you only need \nThe code is indicated on the card, these are three numbers next to your signature:\n \n

"}}">CVC code. No one receives your card details, and you don’t waste time entering details.

In total you can link to a wallet five cards. It's free.

How it works

You provide your card details, the site stores them in encrypted form (inside your wallet). After this you have a choice of how to pay:

    from the wallet balance, if there is money on it. Then your card is not involved in the process at all,

    from a linked card. Then the money is debited from the card balance, goes through the wallet and is sent to the store. Everything happens instantly; for the store it looks like a payment from a wallet.

Which cards are suitable for linking?

Use any card, salary or credit. Visa and Visa Electron, MasterCard and Maestro, cards of the Mir system are suitable.

The bank is not important, but the card must be issued in Russia or these countries:

    A Austria, Azerbaijan, Albania, Armenia,

    B Belarus, Belgium, Bulgaria,

    IN Great Britain (United Kingdom), Hungary, Vietnam

    G Germany, Hong Kong, Georgia,

    D aniya,

    AND Israel, Indonesia, Spain, Italy,

    TO Kazakhstan, Cyprus, Kyrgyzstan, China

    L atvia, lithuania, luxembourg,

    M Moldova, Mongolia,

    N the Netherlands, Norway,

    ABOUT united United Arab Emirates,

    P Olsha, Portugal,

    R Republic of Macedonia, Romania,

    WITH Serbia, Singapore, Slovakia, Slovenia,

    T adjikistan, Taiwan, Thailand, Turkmenistan, Türkiye,

    U zbekistan, Ukraine,

    F inland, france,

    X Oratia,

    H Montenegro,

    Sh Switzerland, Sweden,

    E stonia,

    YU South Korea,

    I ponia.

If you have such a card, but the linking does not work, call your bank: you may have prohibited online payments.

Technical feasibility There is a way to link other cards, but there’s not much point: most payments won’t go through.

About Yandex.Money bank card: There is no need to link it to your wallet. You immediately issue a card for a specific wallet (or activate it under the required login if you have an instant MasterCard). Eventually the card and wallet are “connected” initially, they have a common balance.

How to link or unlink a card

    The site will ask you to enter card details: number, expiration date, CVC code.

    Then - a one-time password: it should be sent or issued by your bank.

    To check, the site will transfer 1 ruble from the card to the wallet (plus 1 kopeck - service commission).

If you do not enter your one-time password, the binding will be canceled automatically after 24 hours.

If the password did not arrive or did not work, you can try again: the site will prompt you to ask the bank for the checksum. This is a maximum of 10 rubles, the bank blocks them on the card for verification.

You can unlink the card at any time - again in the settings. Click Unlink and enter your password. After a minute, the card will be deleted.

Why link multiple cards?

To choose the desired card right during the payment - for example, if the main card runs out of money.

One card is considered the main one: select which one in the settings. It is needed for cases when the payment must go through without you - for example, if you have enabled automatic payment on the Yandex.Money website or allowed money to be debited to an external application.

How to pay and transfer money from a card

If you are on the Yandex.Money website, simply select your card in the payment method and enter the CVC code.

If you are on the website of a store, first select Yandex.Money, then select your card.

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What should I do if my card has been reissued?

When a linked card expires, the link stops working. If you have already received a new card, simply link it to your wallet again (and unlink old map).

Binding, canceling and everything else is in the “” section.

Commission and limits

Additional commission There is no payment for payments from a linked card: the conditions are always the same as for payments from a wallet.

If you have linked several bank cards, daily and monthly limits apply to everyone at once (and not for each card separately).

Limits for Visa, MasterCard and Mir cards:

Wallet One-time limit For a day For a month
Anonymous 15,000 rubles 20,000 rubles 200,000 rubles
Nominal 60,000 rubles 60,000 rubles 200,000 rubles
Identified 100,000 rubles 100,000 rubles 200,000 rubles

Sberbank, as the most popular Russian bank, was one of the first to develop Internet banking. Today it has more than a hundred services, and users do not always understand which tab contains certain features and how to use them. For example, how to add another card to the Sberbank Online service? And what if she doesn't appear?

How to add a new card to Sberbank Online?

When using the remote banking system, the operator asks to indicate only the phone number and main card number. The client has a logical question: “What about my other cards, how can I add them?”

Don't worry about this. Sberbank’s personal account is designed in such a way that all cards that are assigned to the client automatically appear in the service, you just need to indicate one of them. None additional procedures no need to do it.

How to view data on your cards in Internet banking:

  1. Log in to Sberbank Online using the link using your username and password.
  2. Go to the fourth tab “Maps” of the main menu of your account.
  3. Click on the name of the card you are interested in.

Updated account information is available on the page, as well as Additional services. Clients use the " Latest transactions"to control the movement of funds in the account. The “Graphic Statement” section is designed to display balance dynamics (in the form of a graph) in a user-specified period of time. All information is output to the printer by pressing the CTRL+P combination on the keyboard.

To those who opened account to PayPal, at the next stage you will need to link the card to PayPal. This measure is not mandatory. However, without it, your virtual wallet will be incomplete and will not give you complete freedom in making transactions. Your status will be at the bottom level, which will not provide sufficient security for transactions, and the speed of transactions will be far from the maximum possible level. Once you confirm the card in PayPal, the situation will change for the better.

Not any plastic is suitable for creating a tandem. The payment service does not accept a card if it belongs to an institution unknown to it. Since in Russian Federation PS operates on legally, many banks agreed to cooperate with her. At the moment there are about 30 of them. If you are deciding how to link a card to PayPal, be sure to check whether the bank in which it is registered is on the list of partners of the American service. The most suitable plastic carriers will be:


If you decide to open a PayPal account and link a bank card to it, please note that in the interface of the registered wallet you will see which options are suitable. You can also call hotline service, where they will tell you which cards you have that can be linked to the American payment system.

Expert opinion

Alexander Ivanovich

Credit expert

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Tip: When researching the issue, ask about the fees that some financial institutions charge for transactions. It is better to link a plastic card to PayPal, the use of which in the service will not require deductions additional interest for each offer.


If you choose the best card, then you will not only not pay commissions, but you will also be able to delight yourself with regularly received bonuses and discounts for actions related to PayPal.

How to link

The procedure for linking plastic to PayPal in Russia is the same as in other countries. As soon as you go to the official PS website, you will need to select the type of plastic. The system will offer you:

  • Maestro;
  • MasterCard;
  • Visa;
  • American Express.

As you can see, the service does not provide for the connection of a purely Russian banking product such as Mir. PayPal does not accept it, so if you have nothing else, contact your bank and apply for a card the desired type. Also note that each of the listed types has subtypes. Not all of them can become attached. So, Internet, Mass and Gold are suitable from MasterCard; from Visa: Platinum, Gold, Classic, Virtuon and Internet.

To connect a banking product to a payment service, follow the standard procedure:

Next, the service will have to check the entered data for compliance with the previously entered information about the owner of the wallet. To do this, $1.95 will be taken from your account, which will be returned to your balance in about a day. To avoid problems with registration, check the availability of funds on the plastic card in advance. In addition to the indicated $1.95, it must contain the money necessary to pay the bank commission for the transaction. With a zero balance or insufficient funds, verification is impossible.

Expert opinion

Alexander Ivanovich

Credit expert

Ask a question to an expert

Important point: before confirming the card, make sure that the address you indicated when filling out electronic form, corresponds to the previously entered data. If the house number or street do not match, the wallet may be blocked, suspecting a scam attack.

Where to find the verification code

Plastic carrier Money will be linked to the PS after entering a special confirmation code, which will be sent to the phone number specified in the form as an SMS. You can also find the necessary numbers in your personal account on the bank’s website in the report on the transaction performed.

The verification code will look something like “PP*5678CODE”. You need to enter only numbers into the form, that is, “5678”, and then click “Confirm card”.

How to unlink a card from PayPal

In the American service, cards can be linked and unlinked if necessary. To do this, do the following:

  • log into your PayPal account;
  • find the “Account” tab and click on it;
  • select the desired plastic from the list;
  • click on “Delete”.

A linked card will not be unlinked if its balance is negative. Also, it cannot be removed from the list if an offer is being fulfilled on it or it is a bank reserve for a recently made instant payment.

For what reasons may you be unable to link a card?

On payment system forums, you can often encounter a problem that sounds something like this: “I act strictly according to the instructions, but I can’t link a card, the system doesn’t accept it. What to do?"

The reasons usually lie in the following:

  • the user chose plastic, for example, World, with which PayPal does not work. If a card has the Domestic attribute, this means that it can only be used in the country of issue;
  • the bank imposed restrictions on the use of its products on the Internet;
  • system failure, etc.

If you decide to connect your Visa from Sberbank or another card to PayPal, but encounter problems, contact the support service of the bank or payment service. But it’s better to start with a financial institution, since in some cases bank administrations, at the request of clients, can remove restrictions from their cards.

Finally, we note that the PayPal PS has proven itself well in Russian market. They trust her, so every year using her services becomes more profitable and convenient. For Russians, it is an alternative to domestic payment systems, quite significant and forcing them to think about how to survive in tough competition.

At the end of 2015, the first national payment system “Mir” was launched in our country. The operator servicing it is JSC National Payment Card System. It was designed to create an independent system for transferring funds within the country and abroad in the near future. Today, all major banks issue the Mir card and serve clients on an equal basis with other world-famous monetary systems. Today we will look not only at how such a system works and what are its differences in this moment from others, but also find out reviews about the “World” card.

How does the national card work?

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


Opinion of Mir card holders

It’s 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 an intention to transfer wages to this card. Since over 70 Russian banks cooperate with it, potential holders did not have any concerns.

Like everything new, you always want to try it out and check its effectiveness. The Mir card did not have any problems with money transfers or account replenishment mobile phone, payment in the online store and grocery supermarkets. Reviews of the Mir bank card, as a domestic product, evoke a feeling of patriotism and pride in the country, since it is not inferior in functionality to Visa, MasterCard, Maestro.

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

Bonus system of the Mir card

To maximize the functionality and attractiveness of the card among the country’s population, 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 use 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 what case will the “World” card not work?

As you know, the national payment system is just planning to enter the world market. In order to travel abroad now, you need to apply for a co-badging “Mir” card, since it will not work in the simple format as it is now. When registering it at any bank, the employee will be obliged to warn you about this. Therefore, there are no reviews about the Mir card from holders who made payments abroad with it.

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 refused service.

VTB24 Bank is a participant in the national transfer system

This is one of the first Russian banks to begin issuing a national card. Moreover, its release implied 4 options at once: classic, gold, platinum and “Privilege”. These cards are available for use both in free form and for a salary project. "VTB24" offers the population the issue of the "World" card for use both within the state and outside it in the form of a co-badge.

The bank's management shared their plans to issue the card. Starting from the end of October to the end of December 2016, about 350,000 cards were planned for public sector organizations, and until 2018, the annual output volume is planned to be about 1,400,000 pieces. Card servicing is possible at all ATMs of the bank and its partners that have a “World” sticker.

Reviews about the card of the Mir payment system

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 of the Mir card from one bank are practically no different from reviews of cards issued by another financial institution. The only difference will be in the nuances of serving the population. All settlement transactions are carried out on a par with other similar systems. And it is impossible to come across a review of the Mir card as a card that works worse than MasterCard, for example.

Many people express the opinion that the transfer of pensioners and employees budgetary organizations V mandatory is nothing more than a way to spread the national payment system as widely as possible. Some perceive “coercion” negatively, while others perceive it neutrally. But this does not affect the reviews of users of Mir cards in any way.

I'm pleased to note that this is the first national system, which not only loudly declared itself, but also lives up to 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 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 frequently 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 you book a ticket at a hotel, you will receive a bonus as a traveler. The advantage of this card is that it is issued free of charge (annual maintenance is paid), and free travel insurance is provided for the entire period of validity of the credit obligations on the card.

This is a card that allows you not only to top up your account, but also to take out a loan from VTB24. Offered (up to 50 days) like most similar products, it provides added convenience to the miles bonus.

Since its launch in 2015, many reviews from real owners have appeared online about the card of the national payment system (hereinafter referred to as NPS) MIR. Based on them, you can judge not only the disadvantages, but also the advantages of a banking product. Today we will look at how profitable it is to issue a MIR card at Sberbank, what are the conditions for its service, cost, advantages and disadvantages. We will definitely answer the question - does Sberbank issue MIR gold cards.

Pros and cons of the MIR card in Sberbank

Of course Sberbank, as the largest provider banking services and a monopolist in the field of servicing government and budgetary organizations, was the first to join the NPS and began issuing MIR plastic cards in the classic directions (for any clients), and.

Classic plastic card

In general, for an ordinary user, MIR is no different from a bank card of any other payment system. The card performs its main functionality (including pension and budget) without problems:

  • You can pay with it in stores (which have MIR reception) and on the Internet;
  • Easy to snap to personal account Sberbank online and make payments;
  • Can be used at ATMs and Sberbank terminals to pay for services, send money transfers, depositing or withdrawing cash.

The MIR card account in Sberbank can only be linked to rubles - a definite minus. For example, Alfa-Bank allows you to link MIR in your personal online account to any account opened in foreign currency (euro/dollars), even if the card was issued as a ruble card. Rebinding takes place in a couple of minutes.

It is worth mentioning that Sberbank does not support the issuance of MIR gold cards (premium), nor those combined with other payment systems.

The cost of an NPS plastic card at Sberbank is 750 rubles. for the first year of service, 450 for subsequent years. This price tag is hotly debated among users, causing outrage and is considered an absolute minus.

On the one hand, it’s strange to hear the indignation of Sberbank clients; the bank has never been known for its loyal commissions on cards - the cost of servicing standard Visa and MaskterCard is identical to MIR. On the other hand, the price tag is clearly higher than that of most NPC participants.


For comparison, the classic MIR URALSIB Bank - 299 rubles per year, Visa and MK - 599 rubles, in Alfa-Bank - cards are free within any three service packages (even the most economical). UniCredit Bank issues and services the MIR plastic card for only 500 rubles per year.

But Sberbank does not offer the highest price tag. For example, at Gazprombank everything plastic cards classic series (MIR, Visa, MasterCard) will cost the client 1000 rubles. in year. The high price of GPB is justified by the fact that the bank is one of the few that offers MIR integrated with the Maestro and JSB payment systems. Sberbank does not offer such options, so clients do not have the opportunity to pay with a card abroad - reviews note this as a significant disadvantage.

Clients have no complaints about the limits - 1.5 million per month and 150 thousand per day for cash withdrawals, 0.5 million per day for transfers - neither plus nor minus, similar to other classic cards.

Please note that replenishing a card at a Sberbank ATM in another region (not in the region where the card account is maintained) is subject to a commission of 1.25% (from 30 to 1000 rubles).

The card can be obtained from 14 years of age and is valid for 5 years. There are no additional cards to the main one.

A long-awaited advantage of the card was the introduction of a contactless payment system; now MIR from Sberbank also has this function. Many clients note joining the Thank you bonus program as a plus.


Pension card

Least painless mandatory shift Bank cards, unlike public sector employees, were transferred by citizens retirement age. According to the terms of service, nothing has changed for them. The only drawback is the fact that currently not all usual places can accept the card for payment.

Pension MIR is issued and serviced free of charge - a plus. The card account balance is charged 3.5% per annum - another plus. An additional advantage is the Thank You bonus program, to which any Sberbank cards are connected, incl. pension MIR.

A small disadvantage is the paid SMS service - 30 rubles/month after the grace period (2 months). The limits on pension cards are also slightly lower - 0.5 million rubles. per month and 50 thousand rubles. per day for cash withdrawal.

Otherwise, all tariffs applicable to the classic plastic MIR also apply to the pension one.


Does Sberbank issue gold MIR

Let us emphasize once again that Sberbank does not issue the MIR gold card. The official website of the payment system states only three types - debit, classic, premium http://mironline.ru/card/.

Logically, a gold card is the same as a premium card. Its issue is carried out by about 10 banks, including Zapsikombank, Promsvyazbank (within the framework of private banking), Sarovbusinessbank and others. Full list bank issuing premium and gold MIR is available at the link http://news.mironline.ru/news/massmedia/2016/393/.

Conclusion

The MIR plastic card from Sberbank is a good alternative to foreign payment systems. The card has enough pros and cons. It provides less freedom of action than conventional analogues, but at the same time reliably protects its owner from possible technical failures associated with the geopolitical situation - it was this factor that initiated its development. For lovers of patriotism and new citizens of our country, the developers pointed out that the MIR card has become the only opportunity for residents of Crimea not to lose social and budgetary support for the New Motherland as the main advantage.