Quite often it happens that there is only one card, but another family member needs it. Large banks are introducing a service in which not only the main card is issued, but also an additional one. Maintenance of the second plastic is free. Both bank cards are linked to one account, and the owner gives access to the second one to a trusted person.

The bank does not require a package of documents, and the client for whom the duplicate is registered must present only a passport. His name is indicated on the carrier, he has the right to withdraw money from an ATM and pay for goods. In the article we will consider the advantages and disadvantages of such a service, as well as the offers of large banks in the country.

A duplicate card is a clone of the main one, but with its own number and PIN code. When purchasing goods from additional plastic, money is debited from the main account. You can open it in the name of your spouse, children and other relatives. Several additional clients can be linked to the main card. The owner has the right to set restrictions.

Persons allowed to use the main plastic are not the owners of the main account, cannot monitor transactions on the main medium, they have access to money, but only to the extent that the owner provided them, and he is responsible to the bank for his account actions.

Formally, the duplicate is registered in the name of a relative or friend of the account owner, the initials of the authorized representative will be indicated on it, and a PIN code will be issued for use. But the card will be registered with the account owner, and all transactions will be linked to its carrier.

Master account and its main characteristics

The client is given the opportunity to open a master account when signing a service agreement. The user can manage three currencies in his account. Without such a VTB account, you cannot use the bank’s range of services, apply for compulsory medical insurance or conduct currency transactions.

When registering a master account, you can receive a full range of services from the largest banks in the country. You only need to connect to the system or perform certain operations from your mobile phone.

This opportunity is usually offered in cases where the client:

• Receives a new plastic card with his initials at a bank branch;
• Concludes a loan agreement;
• Makes a deposit.

A master account makes it possible to remotely manage processes: make online transfers, convert funds into foreign currency.

You can open such an account at any VTB office by concluding a comprehensive service agreement. According to the agreement, the client has the right:

You can open such an account at any VTB office by concluding a comprehensive service agreement.

According to the agreement, the client has the right:

1. Use plastic abroad;
2. Service at any ATM;
3. Register in the VTB banking system;
4. Receive SMS alerts about transactions;
5. Conduct transactions at any time.

Master account is a complex product that includes ruble and foreign currency accounts. They are equal, but rubles are usually used more and more often.

Peculiarities:

Features of additional cards and release rules

Registration of an additional card is considered a bonus.

Possibilities:

• On the back, write the initials of relatives or friends;
• Establish certain rules of use;
• Add the necessary limits.

The number of additional media is not limited. The number of additional cards can be up to five. The issuer assumes responsibility for the account. Its management is entrusted only to the owner of the main media. The monthly limit is justified if the card is issued for a child.

Duplicates are issued for debit cards, as well as for Social and Instant Issue, but not for Russian World. The rules will not allow you to get a second credit card and spend borrowed money. From clients adolescence must have your own passport.

An outsider can open a duplicate for a child only after presenting the consent of his parents.

Services in different banks

The commission for cash withdrawals and transfers to another medium is low. To conclude an agreement with VTB, you need to write an application and submit it to the office, also presenting your passport. Sometimes VTB complex services are activated automatically when issuing a bank card, consumer loan, and in other cases.

A VTB client has the right to open additional free cards with an individual number without a separate account. The quantity depends on the service package provided. The binding is carried out to the main carrier. The bank allows you to open a duplicate for relatives, friends and acquaintances. An application for a duplicate is processed within about five working days.

VTB service packages include:

• Classic: issuing standard media;
• Gold: bonuses, additional points, the user does not pay for the service;
• Platinum: all the benefits of other packages;
• VIP card: you can renew the limit and use the Traveler Protection program.

They produce and service plastic at Sberbank for 450 rubles a year.

Acceptable limits:

• Available for a month, then they need to be reinstalled;
• There are restrictions on non-cash transactions;
• Total cash withdrawal limit.

Peculiarities:

• Opening and maintaining an account is free;
• There is no commission;
• You can pay for purchases everywhere with a plastic card;
• Connect a tariff with basic services;
• Access to online banking is provided.

Currency is useful mainly when traveling. You can top up your foreign currency account at a branch of a financial institution.

Registration of a duplicate is a safe tool for optimizing and controlling the family budget.

Advantages and disadvantages

There are certain pros and cons to releasing and managing duplicates.

Advantages:

1. Reduced cost of maintenance;
2. You can give a duplicate to children by setting a limit on spending and actions;
3. If spouses own one checking account, the budget is divided transparently and fairly: by tracking transactions, you can see what the money is spent on;
4. All child expenses can be tracked via SMS;
5. The established restrictions are updated every month;
6. The child is provided with money for travel and shopping, without banknotes;
7. You can pay safely online;
8. The owner can control expenses and set the necessary limits;
9. It is possible to reduce the cost of annual maintenance.

Flaws:

• The product is registered to one account, it will not be possible to transfer money for replenishment;
• Duplicates are issued only in the office;
• Can't open the second one Personal Area;
• Payments for purchases are made from the duplicate, cash is withdrawn, interbank and non-cash transfers are not made.

Duplicates are issued only for debit cards, not for credit cards.

The largest financial institutions, when issuing debit plastic cards, offer to additionally provide a medium with lower interest rates and favorable conditions. Let's consider the offers of some Russian banks.

Features of registration of plastic for a child and spouse

One of the parents takes the initiative to issue a duplicate for the child. The bank requires you to provide the parent's passport and the child's birth certificate. The media will always be useful for school, traveling abroad, paying for goods, and parents will always be able to track expenses, as well as set limits if the child unexpectedly decides to spend a considerable amount. You can set a limit on cash withdrawals from an ATM.

When a card is issued to a child by a stranger or a grandparent, parental consent is required.

A working spouse has the right to allocate funds to a non-working spouse and issue a duplicate for her, setting a limit. Typically, you can withdraw a fixed amount from ATMs per day. The spouse will also be able to top up the account.

You have to pay for service and tariffs. It is much easier to open a duplicate for a spouse or even a child, tied to one account. This feature allows you to carefully track all expenses and set a monthly limit on the use of a duplicate. The punishment for unreasonable spending will be the installation of another and much stricter limit.

Tankoff debit cards are very popular due to favorable terms of customer service, as well as the possibility of passive earnings on cashback and interest. Clients can independently manage their own available funds with maximum convenience in any city, regardless of the type of ATM. However, despite all the advantages and high speed of the bank, often one Tinkoff Black debit card is not enough for full service.

In this case, users can issue an additional bank card, which can be linked to specific types of expenses. Registering two or more debit cards will allow you to optimize your own spending, or provide access to your account to your family members. Additionally, the second card provides the ability to bypass limits on the amount of funds stored.

How many Tinkoff debit cards can you have?

When opening an account, many users do not know whether it is possible to have two Tinkoffs or whether there are restrictions at the bank. After all, most domestic banking institutions do not have services for linking additional cards, which significantly limits the financial potential of a particular client.

Based on the official information, which is located on the main Tinkoff website, each user has the opportunity to issue an unlimited number of cards and personal accounts. However, the second debit is issued on the condition that the new card will be used as an additional one. In this case, the general activity of using cards should be observed.

Procedure for issuing a second debit card:

1. Read the terms and conditions on the official website.
2. Submitting a written application online.
3. Receiving a second bank card.
4. Conducted in any convenient way.

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In general, the procedure for registering a second debit does not differ from general conditions jar. Depending on the client's needs, 1 credit and 2 debit cards may be offered. A 1+3 scheme is also possible, but each user must independently calculate the need for this number of cards. After all, a fee is charged for the service.

Often a second Tinkoff debit card is issued for specific needs. For example: the first is used for personal expenses, the second for the purchase of large goods, and the third for payroll. The final scheme and use cases are selected by the user himself.

Debit cards are issued mainly as multi-currency cards. However, you can first select the type of currency yourself.

Issue of an additional Tinkoff Black debit card

IN Tinkoff Bank An additional debit card is issued free of charge to any customer who already has a credit or any other card. The basic requirements and conditions for the procedure do not change.

You can receive a debit within one day from the date of application. However, despite the wider possibilities of personal banking, the second card will require small financial costs. According to the established rules of the bank, servicing any other card of the same type in quantities greater than 1 costs 99 rubles per month. Also, for additional debits, the cashback from purchases is not 5%, but 1%. In general, other conditions do not change and remain similar. The user receives from 3 to 30% refund depending on the purchase amount. However, 6% APR is not charged for all additional cards.

In general, clients issue auxiliary debits for the following purposes:

• Expanding payment capabilities.
• Providing access to a personal account for family members.
• Separation of cards according to their intended purpose.
• Increasing the volume of passive income from interest.
• Increasing the convenience of storing large amounts.
• Distribution of own funds.

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Having a second one will allow you to use your own funds more rationally. After all, both accounts can be divided according to their intended purpose. For example, the first card will be used for small purchases, and the second for servicing and refueling the car. Depending on the conditions and the available amount in the account, this option is also suitable for larger items. In this case, the client has the opportunity to accrue additional bonuses and annual interest.

All functions (SMS alerts, Internet banking, mobile banking and virtual services) will be available as usual. Two debit cards are linked to one mobile number. If necessary, the user can control 2 debits through a personal account on the official one. There is no need to create different accounts.

Is it worth it or not to get a second card?

A second debit card is issued quite often. Basically, the option of two cards is popular among citizens who have a significant turnover of their own funds. Regular Tinkoff debit is controlled by limits. Depending on the type of card, the user receives a limit of up to 300,000 rubles, which is inconvenient when purchasing expensive goods in the form of household appliances, electronics, cars or components for them. Accordingly, having two cards automatically increases the availability of your own funds in your accounts by 2 times. Debit cards with the same conditions can already provide 600 thousand rubles.

Typically, using multiple debit cards is considered popular among private entrepreneurs. However, even for ordinary clients with an active banking history, 2 cards can significantly simplify life.

Let's summarize:

1. A second card can be issued at foreign currency, which is very beneficial when sending funds over a distance. After all, according to the bank’s program, such cards have a minimum interest rate.
2. The second debit can be used exclusively to pay utility bills without financial intervention in the main account. The final target capabilities are determined personally by the user.
3. An additional card is a convenient tool for all family members. Thanks to the auxiliary card, it is not necessary to divide the family budget into the main debit card. In this case, the client benefits in terms of savings on card servicing. After all, when opening an account, each individual family member will have to pay additional service fees.
4. Authorized persons can use the card within the established conditions, which are independently regulated by the account owner. For example, if the daily limit is limited to 5,000 rubles, no one will be able to withdraw more than the specified amount without confirmation from the owner.
5. It is also possible to manually adjust all basic requirements for use through a personal online account.

Apply for a card now questions and answers bank accounts forms

Question: Please tell me, in Sberbank Online I discovered that I have two credit cards. One is a salary card, to which my salary is transferred, and the second, the existence of which I did not even suspect. Apparently my former employer started it without my consent. The status of the card is “To be issued”; it was issued more than a year ago. I did not make any transactions with this card. Her account is (minus) 450 rubles. Apparently this is a fee for using the card. In this regard, the question is: was it legal to get a credit card without my consent and should I pay off the debt on it?

Answer: Each client has the right to issue at his bank the number of cards required for comfortable work - but only debit cards, and each card will be linked to his own account. I have not encountered any restrictions on the number of cards. But most likely only one credit card can be issued, since it is linked to the client’s solvency.
Let me start with the fact that without filling out the appropriate loan application form, you could not be issued a credit card, so you most likely received a salary debit card, to which your wage. You filled out and signed the application for this card at the enterprise, and then the accountant took it to the bank and after 10-15 days you received the card and an envelope with a PIN code. Please keep in mind that without properly completing the application, Sberbank employees never issue a card; therefore, the applications were completed, possibly on behalf of the company (under a service agreement). At the end of each application, the card account number assigned to this client and for this application is indicated. Since two accounts were opened, this further confirms the fact that the card was not issued without an application, and there were two applications.

You, as a bank client, may have two cards in the following cases:

1. If you have been issued two types of cards with different services and different payment systems (Visa, MasterCard...).


2. You may have filled out an application for an international debit card twice but different days and the filling dates were set differently - then they could prepare two cards for you, of which you received one. And since the second card was issued later, it was produced later. A new account was issued accordingly.


3. The standard form application (No. 7) for the second card was filled out for you by someone else (your first employer), but then he also signed it for you.


4. When filling out an application for an international debit card (form No. 7) in the section “ Additional services"You could automatically check the box in front of the words - “Check this box if you want to issue an additional card to the main card issued in accordance with this application.” But an additional card is issued without opening a separate account, and you have one.

Look at the areas highlighted in red on the “Application for an International Debit Card (Form No. 7)” form:

Page #1

Page #2

Now about the question - “whether they legally got a credit card without my consent.” If a card account was opened without your application or application form, then this is illegal. If both accounts are opened at your request, then the bank acted in accordance with the law. Thus, Article 30 of the Federal Law “On Banks and Banking Activities” dated December 2, 1990 N 395-1 states:

Clients have the right to open the number of settlement, deposit and other accounts they need in any currency in banks with their consent, unless otherwise provided by federal law.

A second card will most likely be waiting for you at Sberbank, but you can only find out who ordered it for registration at the bank, asking that your legal matters be transferred to both accounts. To resolve the issue, the Bank must show you your completed application (handwriting and signature), if, of course, they show it to you. An application for opening an account in accordance with the Instruction of the Central Bank of the Russian Federation dated September 14, 2006 No. 28-I “On opening and closing bank accounts, deposit accounts” is stored in a legal file that is created for each bank account you open. If there are two accounts, there will be two legal cases, and each legal case must have its own application for opening an account.
Perhaps second copies of all statements are stored in the accounting department of your company - try checking with them.

But after looking at the tariffs for the terms and conditions of servicing salary cards, I had one more question. Who paid for the card account maintenance service for the first year? Your organization? According to Sberbank tariffs, the client pays for annual servicing of a bank card:

• for the first year of service - 750 rubles.


• for each subsequent year of service - 450 rubles.

When issuing a salary card, a card account is opened for the client, which usually has no funds at the time of opening the account. The Bank collects the fee for its services after the salary is credited to the client’s card account. Since your salary did not go to the second card, the debt for services to the bank there should have already amounted to 1,200 rubles. (750 + 450), you are only talking about 450 rubles of negative balance.

Should you pay off the debt on the second card? You should, but only after you make sure that you yourself have filled out and signed the application for the second card and that it was actually issued to you. If this was done in the accounting department of your company, and the bank does not have the application you signed, and you do not have a card in your hands, you must demand that the account be closed without paying for the bank’s services. You can try to shift the costs to those who issued this card for you, so as not to create confusion.
And one more point - to avoid additional service costs, the second Sberbank card must be repaid as quickly as possible, and

A plastic card is a multifunctional payment instrument that simplifies a person’s life. Today almost everyone has it.

Large banks, when opening debit media, offer to additionally issue a plastic card at lower and favorable conditions service. An additional Sberbank card to the main one, as a rule, is linked to the owner’s personal account and allows transactions with the money on it.

What is the point of making a duplicate? Why might it be needed if it is linked to the main account? Let's look at these issues in detail.

Features of additional cards

An additional card is a plastic carrier issued by a banking organization in connection with the main client account.

The main requirement for its issuance is that the person must have a primary card previously issued by Sberbank.

Characteristic features of such media:

1. A copy of the main card can be issued not only in the name of the account holder, but also in others individuals, for example, close relatives.
2. Persons who have received another personalized card manage the money in accordance with the instructions of the account holder. For example, he can both provide complete material freedom and set certain limits and restrictions.
3. Only the owner of the main account has the right to set restrictions on duplicates.

Most clients of the organization are interested in how many Sberbank cards can be issued to one person. Today, the number of additional plastic media is not limited to the issuing side. The client independently decides how many copies of the payment instrument he will need. However, in rare cases, the number of cards may be limited by the service package within which the main card was issued.

Principle of operation

How does an additional Sberbank card work? It was previously noted that it can be opened in the name of a third party who is not the holder of the main account. It is important to mention that the owner of the duplicate does not gain access to the main plastic and cannot dispose of the funds stored on it.

The rights of the trustee include only the ability to manage the finances that are available in the assigned current account, and in compliance with the established limits.

Example: the owner of the main card issues a duplicate for his wife, setting a monthly limit of 40 thousand rubles. Consequently, when making purchases, the wife will not be able to spend more than the specified limit.

Legally, the second card belongs to the authorized person, since his initials are indicated on its front side. However, in fact, the copy is assigned to the account holder, since all monetary transactions performed are linked to his card.

In this regard, responsibility to Sberbank for the operation of both cards rests with the owner of the main one.

Release rules

You can bind a second plastic carrier to certain categories of cards. To date, Sberbank is issuing duplicates of:

• instant payment systems – Visa Electron and Maestro;
• pension;
• salary;
• youth MasterCard, Maestro, etc.;
• Maestro student cards.

It is noteworthy that you can order additional media only within the framework of the IPS - Visa and MasterCard. It is not possible to open a duplicate of the plastic MIR this moment. It is also not possible to have a copy of your credit card.

Step-by-step instructions on how to order a copy of plastic media:

1. Contact your Sberbank branch. You must have with you a document confirming your identity, as well as the passport of the person in whose name you are going to open it.
2. Explain your problem to the employee and fill out a standard application.
3. Please wait until your application is processed. As soon as the plastic is ready, an employee of the organization will contact you.
4. Pick up your card at your chosen branch.

The production time for a payment instrument ranges from 3 working days to 2 weeks.

You can apply for a second or third card only at a bank branch; submitting an application online through your personal account is impossible. It is important to understand that it is not an exact copy of the main payment instrument.

Key differences between duplicates:

• number;
• secret pin code.

Otherwise, the additional card has the same characteristics as the main one. They have the same currencies and expiration dates, and at the same time they go out of service; belong to the same payment systems.

Release Features

As noted above, an organization has the right to issue two (or more) cards to one account with Sberbank. The potential owner of the repeated card must be 14 years old, when he already has a passport of a citizen of the Russian Federation. Parents who want to give their young child the right to manage money can also combine Sberbank cards. In this case, the minimum age is 10 years.

When applying for a duplicate, they are required to provide the child's birth certificate.

Benefits of Duplicates

Issuing additional cards has its advantages.

For example, a duplicate of the main card can be ordered for a child, which will give him the opportunity to independently make cashless payments for purchases.

1. A parent has the right to regulate a child’s access to money by setting certain restrictions. This can be done at a Sberbank branch.
2. With additional copies you can make secure online purchases. The payment instrument has certain limits, so attackers will not be able to gain access to all your funds.
3. The owner of the main card can track the activity of the additional card and check its balance for free through mobile banking. The service can also be activated at a Sberbank branch.
4. The cost of annual maintenance is reduced.

It is worth adding that the limits are updated monthly and are freely regulated by the owner of the main card.

Flaws

The second card is not an independent means of payment and has a number of limitations and disadvantages, which are presented below.

1. The duplicate does not have its own account, it is assigned to personal account the main instrument of non-cash payment.
2. Connection of any services and options to it takes place exclusively at bank branches.
3. The holder of the duplicate will not be able to use the Sberbank-Online service.
4. The duplicate does not imply the possibility of non-cash transfers. With its help, you can only pay for purchases and withdraw cash from an ATM.
5. You also cannot transfer money to it from third-party sources.

Thus, additional cards have a number of significant disadvantages. Therefore, when deciding to combine plastic media, weigh the pros and cons. It might make sense to issue another primary means of payment.

FAQ

Is it possible to make an additional card for another person?

Yes, you can. To get another duplicate card, you need to contact a bank branch and fill out the appropriate application. In this case, the plastic is linked to the holder’s main account.

Is it possible to have two Sberbank cards with different accounts?

Yes, you can. The client has the right to open several accounts at Sberbank (not only personal accounts, but also loan accounts) by linking different cards to them.

Conclusion

In conclusion, I would like to note that the additional card is a fairly convenient means of payment that does not require expensive annual maintenance.

At the same time, they have many restrictions, so before applying, it is recommended to determine for what purposes you plan to use the plastic card and you will be able to implement them with an additional one.