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Mir UnionPay co-badged cards from Russia will help you withdraw money abroad: in which banks and how to apply, websites, banks phone numbers

As we previously reported, from March 10, 2022, Visa and Mastercard cards issued in Russia will no longer work outside of Russia, and Visa and Mastercard issued abroad will not be able to pay within Russia.

 

After that, the National Payment Card System of Russia (NSPK) announced that to pay for purchases and withdraw cash abroad, you can issue a Mir-UnionPay co-badged card, which will be accepted both in Russia and in 180 countries abroad that support work with UnionPay . Many large Russian banks have already announced that they are considering the possibility of issuing a Mir-UnionPay co-badged card.

 

Although such well-known banks have already announced that they will issue co-badged (owned simultaneously by two payment systems) UnionPay Mir cards in the very near future, but so far in Russia only 2 banks issue co-badged debit cards - Rosselkhozbank and RRDB. The account in the first case is opened in rubles, dollars or euros, in the second - in rubles. When using such cards, all transactions within Russia are carried out through MIR, outside Russia - through UnionPay.

 

On March 6, 2022, Sberbank announced that it was considering the possibility of issuing a Mir-UnionPay co-badged card. The fact that they are working on the launch of cards on UnionPay was also told in Alfa-Bank. Tinkoff Bank, Raiffeisenbank, Rosbank and Moscow Credit Bank are planning to promptly resolve the issue of issuing Mir-UnionPay co-badged cards.

 

In order to issue co-badged Mir UnionPay cards, you need to apply to the offices of the above banks with a valid passport of a citizen of the Russian Federation. For example, this is the “Classic” of the All-Russian Bank for the Development of Regions, “Co-badged “Mir”—UnionPay of the Russian Agricultural Bank, “UnionPay—“Mir” of Solidarity Bank.

 

When you are abroad, it is advisable to warn the cashier about your preferred system in order to avoid additional conversion losses. The logos of both payment systems are applied on the front side, the privileges of both are available to the holders.

 

The account in the first case is opened in rubles, dollars or euros, in the second - in rubles. When using such plastic, transactions within the country are carried out through the MIR, outside the Russian Federation - through UnionPay (Chinese system)

When you are abroad, it is advisable to warn the cashier about your preferred system in order to avoid additional conversion losses. The logos of both payment systems are applied on the front side, the privileges of both are available to the holders.

 

UnionPay cards (including co-badged UnionPay Mir cards) can be issued at the following banks:

 

1. "Rosselkhozbank" Account currency: rubles

Card category: Classic,

Instant Issue (instant release),

Cobadge (with two payment systems)

Card type: debit

https://www.rshb.ru/natural/card-detail/personal/

8 800 200-02-90

 

2.Bank GPB JSC Account currency: rubles

Card category: Classic,

Gold, Platinum

Card type: debit, credit

https://www.gazprombank.ru/personal/cards/5880569/

8-800-100-00-89

 

3.PJSC CB Vostochny Account currency: rubles

Card category: Classic,

Instant Issue

(instant release)

Card type: debit, credit

https://www.vostbank.ru/client/credit-card/keshbek/

8 800 100-7-100

 

4.JSC CB "Solidarity" Account currency: rubles, euro

Card Category: Gold,

Diamond Cobadge

Card type: debit, credit

https://solid.ru/retail/cards/debit-card/

8 800 700 9220

 

5.PJSC "Bank Saint Petersburg" Account currency: rubles

Card Category: Classic, Diamond

Card type: debit

https://www.bspb.ru/retail/cards/unionpay-classic/

 8 800 222-50-50

 

6.PJSC Promsvyazbank Account currency: rubles

Card Category: Cobadge,

Classic, Platinum

Card type: debit, credit

https://www.psbank.ru/Personal/Everyday/DebetCards

 8 800 333-03-03

 

7. Bank "RRDB" (JSC) Account currency: rubles

Card Category: Cobadge

(with two

payment systems)

Card type: debit https://www.vbrr.ru/private/cards/card-unionpay-mir/

 8 800 700-03-49

 

8. PAO Special Design Bureau of Primorye

Primsotsbank Account currency: rubles

Card category: Classic,

gold, diamond,

Prepaid

Card type: debit, Credit

https://www.pskb.com/debit-cards/bank-card-unionpay/

 8 800 200-42-02

 

9.PJSC CB "Primorye" Account currency: rubles, yuan

Card Category: Gold

Card type: debit

https://www.primbank.ru/cards/zarplatnye_cards/karta-unionpay-classic/

 8 800 200-20-86

 

10.PJSC Bank ZENIT Account currency: rubles, dollars, euros

Card Category: Platinum

Card type: debit, credit

https://www.zenit.ru/personal/cards/credit-union-pay/

 8 800 500-66-77

 

11.JSC "Post Bank" Account currency: rubles

Card Category: Classic

Card type: debit

https://www.pochtabank.ru/service/debetcards/vezdedohod

 8 495 532 13 00

 

Rosselkhozbank (debit Classic within the "Personal" tariff and co-badged MIR-UnionPay, the account is opened in rubles, dollars or euros).

Gazprombank (settlement Classic and Gold for travel in China).

Vostochny (only additional plastic for credit cards). Since 2018, ATMs have been accepting UnionPay plastic issued by Russian and foreign banks (only Russian ones can be topped up).

Zenith (only additional plastic for "Privilege Cards" credit cards).

Solidarity (debit Gold, Gold Fan of PFC Krylya Sovetov, Diamond). Holders receive discounts in Duty Free (15%) and from partners (up to 30%), cashback 0.7-3%, concierge service works around the clock, accrue 6% per annum on the balance.

Primorye (settlement Gold and salary Classic). The account is opened in rubles or yuan, one free withdrawal per month in China is available without double conversion, up to 3% per annum and cashback are credited to the balance.

Bank Saint Petersburg (debit Classic).

Credit Ural Bank (debit Classic and Gold).

Primsotsbank (debit Classic, it is allowed to open an account in yuan).

RRDB (co-badged settlement MIR-UnionPay).

 

 

The UnionPay payment system - an analogue of MIR, Visa and MasterCard has a number of features:

 

When making transactions abroad in a currency other than the currency of the account, the conversion rate is applied, which is valid on the date of the transaction, and not on the day it is reflected on the account.

For premium cards (Diamond category), the account is opened exclusively in yuan.

Discounts in duty-free cards for travelers on an ongoing basis.

Cards issued in China have a six-digit PIN code, issued in the Russian Federation - a four-digit one. When using Russian plastic in China, 2 additional zeros are added when dialing PIN. When using Chinese plastic in other countries where a 4-digit PIN is accepted, you must follow the instructions of the cashier.

Tax Refund works (VAT refund when traveling abroad in partner stores). For Russian tourists, the most interesting are Turkey, France, Germany, Italy, Spain, Greece, Belarus, UAE, Morocco, Cyprus, etc. The procedure in each country is different, it is advisable to clarify this point in advance.

Chinese banks prevent the withdrawal of money abroad. It is allowed to withdraw a maximum of 100,000 yuan (918,240 rubles at the exchange rate of the Central Bank of the Russian Federation on July 1, 2019) from cards issued in the PRC abroad for the reporting period.

Online payments using mobile devices via the Internet Bank have additional protection.

Google-низ-анг2022