Over the year, the share of Russians paying for purchases only with bank cards has grown by more than a third - from 11 to 15%, a study by MasterCard has shown. The share of those who are ready to pay only in cash has also sharply decreased: from 54 to 38%.

Actively use bank cards, paying for purchases once a week and more often, 59% of the population of Russia (growth - 13% per year). Among the main incentives to pay more often without cash, cardholders list convenience, high speed of payment, security and the opportunity to receive a discount or bonus, the study says. Most often, cards are used in super- and hypermarkets, convenience stores and online stores, the survey showed.

The MasterCard survey involved Russians aged 25 to 45 living in cities with a population of 250,000 or more. The sample was 1021 people.

This trend is confirmed by the statistics of the Central Bank. In 2015, the number of payments by individuals using cards increased by 27.8%, and the turnover on them - by 11.9% in terms of volume, according to the annual report of the Central Bank. In the total number of transactions using payment cards, the share of non-cash payments in 2015 increased by 7.3 percentage points to 74.7%, in the total volume - by 6.1 percentage points to 39.5%. These figures include information on payments by legal entities, but the Central Bank clarifies that the bulk is payment for goods and services by individuals.

Banks also confirm the growing popularity of cashless payments. “People pay more with cards, because financial literacy is increasing, the acquiring network, payroll projects, and loyalty programs are developing. As a result, people get used to the cards and stop being afraid of them,” says a Home Credit representative.

An important factor is the development of the infrastructure for accepting cards not only in large cities, but also in the outback, says Nikita Ignatenko, head of the development of card products at Binbank Group: “Many small stores located in small towns already accept cards today.” Legislative changes also contributed to the development of the card infrastructure - the obligation of retail outlets to accept cards, he recalls.

The convenience of making payments leads to an increase in the frequency of purchases, a Sberbank representative agrees. And a card with additional functions gives customers additional income or a bonus (accumulative cards, space card, cashback), adds Alexei Golenishchev, director of electronic business monitoring at Alfa-Bank.

Given that people's salaries are not increasing, and prices are rising, bank customers are increasingly using credit card limits, Golenishchev points out, "it is more profitable to pay by credit card by bank transfer, since any bank charges a commission for withdrawing credit funds from an ATM."

People aged 25-45 are the most active in paying with cards, residents of large cities with a white salary above the average, says Ignatenko.

The share of customers using the card only for purchases has grown from 25% to 73% over the past five years, says Alexey Shchavelev, director of the cross-selling department at OTP Bank. He points to two main reasons for this growth: increasing the financial literacy of the population through the acquisition of experience in the use of financial products and an increase in the share of service and trade enterprises that accept plastic cards to pay for goods and services.

On the reverse side of any bank plastic there is an inscription that the card can only be used by the person whose name and signature are indicated on it. But situations where a husband and wife pay each other's credit cards are common. Let's take a closer look at these circumstances. How legal is it to use someone else's bank card and what threatens violators.

Where is the ban on the use of cards by third parties registered?

There is no law prohibiting the transfer of a personal or non-personalized card to another person. This issue is regulated by internal and departmental documents. The obligation of the cardholder to keep confidential information secret and not to transfer the plastic carrier to third parties is contained in:

• on the reverse side of the payment instrument;
• in the contract;
• in the Terms of Issue and Service of Cards;
• in other documents that each client signs before starting cooperation with a credit institution.

There are also conditions for breaching agreements. The ban on the use of someone else's bank card is provided for by the Rules of International Payment Systems and the CBR Leaflet "On measures for the safe use of bank cards” distributed among customers credit organizations.

Responsibility for using someone else's card

The agreement with the bank and the Terms of Service provide for the procedure for the client in the event that third parties have access to information about the PIN code or card details. When these facts are revealed, the holder must:

• urgently notify the bank by any of the available methods;
• block the plastic carrier through Personal Area, mobile app or by calling hotline financial institution.

For violation of the agreement, the Bank has the right:

• block the card;
• take steps to remove it;
• suspend or terminate debit transactions while maintaining the possibility of replenishing the account.

Thus, if the fact of transferring the card to another person is revealed, the plastic holder may completely lose access to his money until the end of the proceedings.

Important! There is legal way granting access to another person money on the map. The account holder can issue additional cards for his wife, husband, children and other citizens.

Criminal penalty

This type of offense falls under Art. 159.3 of the Criminal Code of the Russian Federation - "Fraud using payment cards", introduced in November 2012. The punishment provided for in the article is chosen by the judge from the following options:

• fine up to 120 thousand rubles;
• arrest up to 4 months;
• restriction of freedom up to 2 years;
• earnings of a convict for a period of up to 1 year;
• mandatory work up to 360 hours;
• correctional labor up to 1 year;
• forced labor up to 2 years.

Due to the loyalty of banks to their customers, criminal prosecution of cardholders and people close to them in the absence of damage is usually not applied. However, its existence should not be forgotten. A credit institution, as the owner of a bank card, can act as the injured party.

We hope that this information will be useful to all users of our resource and will save even a very close person from the temptation to use someone else's card.

With cash withdrawals without commission, like credit cards, they are becoming increasingly popular. 45% of people use exclusively non-cash money and this figure is growing. Cards are more and more in demand, because it is convenient, safe and profitable to use them. There are more and more places where you can buy something by paying by bank transfer and in a contactless way.

7 reasons to prefer "plastic" to paper

The persistent notion that the plastic rectangles with chips were invented by banks for their own profit prevents people from switching to cashless payments. They lose the opportunity

• earn with cashback and other bonus points;
• pay for services, fines, taxes directly from home;
• control your expenses without writing in a notebook.

With the help of "plastic" queues in stores are reduced, their owners do not have to carry a bunch of change and banknotes with them. You can find out about the status of your account in one click by visiting the online bank or by going to a special application.

"Plastic" does not spread germs and viruses

When choosing whether it is more convenient to pay by card or cash, think about how many germs and bacteria live on the surface of banknotes. According to studies, paper money contains almost 7 times more dangerous microorganisms than the rim of a toilet bowl. The flu virus lives on banknotes for up to 17 days.

To protect yourself, you will have to constantly wipe your hands with antibacterial agents, which is not always convenient. It is enough to process a bank card with an antiseptic and use it further. "Plastic" is most often held in the hands of only the owner, but the money goes through dozens, hundreds of hands.

Bank customers receive cashback

Cashback - a percentage of the payment for a service or product, returned to the client's account. It is presented in the form of bonuses or real money. Bonuses can be paid:

• Air and railway tickets.
• Fuel at a gas station.
• Purchases made on the Internet.
• Food, clothing and other goods in the bank's partner retail chains.

Real money can be saved and disposed of at your discretion.

Each bank has its own percentage of cashback. The minimum 1% is found in most credit institutions. Tinkoff Bank has a maximum 30% cashback on a debit card.

How to pay with a card in the store for your purchases in order to use the cashback? To do this, you must comply with the conditions of the credit institution. They set the following requirements:

• minimum account balance;
• mandatory purchases from partners;
• the minimum amount of expenses per month.

In addition to the cashback provided by banks, you can receive a refund from purchases using special ones.

Easy to carry and pay

For a run, a trip to a neighboring city or a walk with the dog, you can take one card, not a wallet. And all the money in your pocket. It can pay for anything.

When paying for purchases with "plastic", you do not have to constantly look for smaller banknotes or iron trifles. Payment time is reduced to a few minutes. It is enough to bring the phone or card to the terminal, and the purchase is made.

Just make transfers, pay utility bills and control your expenses

Money in the account can be transferred to friends and relatives if they need financial assistance. You don't need to go anywhere for this. All transactions are carried out in an online bank or banking application.

You can pay for gas, electricity and other utilities online. No queues at the checkout. One click - and the account is paid. At the same time, the bank does not charge a commission for operations or its percentage is lower than in operating cash desks.

Cost control is performed by the built-in system. Through the application, you can see what the most money is spent on during the month. With the help of SMS informing, the client of the bank always knows where the finances were spent and how much is left on the account.

Easy to get a loan or a loan

Money is running out, and payday is still a week away? Need to urgently buy some expensive item or equipment? A bank card will solve the problem. A loan for it can be issued online, without visiting the office of a credit institution.

The lender will transfer the necessary approved amount to the account, and you can start using the money. All you need to get a loan is to choose a bank, submit an application and send the required package of documents to the bank.

Online loans to a bank card without refusal are issued by microfinance organizations. Microcredits are easier to get than regular cash loans. They do not need certificates confirming income, and you can pay off quickly and without overpaying interest if you repay the debt on time. It takes no more than 30 minutes to apply for a loan.

The card can be blocked and restored in case of loss, theft without damage to finances

Cash in your pocket, purse or bag is easy to lose. Thieves can also encroach on cash. And if they pull out the money, then the percentage of their return is zero.

Another thing is a bank card. can be quickly blocked in one call to the bank. And then - write an application for reissue. The money left in the account will remain there.

Cards are stronger and more durable than paper money

"Plastic" accidentally got into the washing machine? 70% of the card will have nothing. Even if it stops working, it will be exchanged at the bank for a new one within 5-10 days.

Paper money, after washing, can be very deformed. Banknotes will either fade, or turn into mush, or tear badly. To exchange them for whole banknotes, you will have to go to the nearest bank office and stand in line at the cashier.

Conclusion

The future belongs to bank cards and contactless payments. No matter what they say about the vulnerability to fraudulent activities, "plastic" remains a convenient and easy-to-use means of payment. The only point is that in order to ensure the safety of your money on a card account, you need to know about.

It is much more convenient to pay with a bank card than with cash, and it hardly takes up space in your wallet - unlike a pile of small change and a stack of banknotes. In addition, today cashless payments are possible not only in stores, but also in public transport, and very soon it will even be possible to withdraw money from a personal account at the cash desks of stores. But still, in some cases, experts recommend forgetting about convenience and paying with cash. We tell you in what situations payment by card can be unsafe.

The card does not belong to you You are paying abroad

You shop online

Are you an entrepreneur?

You pay for an order in a dubious institution

The card does not belong to you In no case should you pay with someone else's card - even if it belongs to your spouse, mother or son. Of course, if you do not want to sort things out with representatives of law enforcement agencies. The fact is that if the cashier notices a discrepancy (for example, you are a man and pay for the purchase with a card registered in a woman's name) and asks for a passport, according to the instructions, he must call a police squad to the store. And the security will not let you leave the outlet until the law enforcement officers who arrived at the place find out who you are and where you got the card of another person.

You pay abroad

In September 2018, a law came into force in Russia that allows banks to block customer cards if remittance will seem suspicious to the operator. And first of all, these include transactions for an amount atypical for the cardholder or transfers made in an uncharacteristic place for him - for example, in the territory of another country. And as you yourself understand, staying abroad without a bank card is not the best prospect. Tip: prepare for trips outside of Russia in advance: call the bank and warn about your departure. In this case, it is better to play it safe once again than to be without a livelihood in a foreign country.

You shop online

Paying for purchases in online stores - especially unverified ones - is very dangerous. Firstly, the site may turn out to be phishing - with the help of such scammers they lure all the necessary data from bank card holders, and especially resourceful ones even “fake” popular resources in such a way that you can’t tell them apart. Secondly, if the card at least once “lit up” on the Web, it is possible that its details will fall into the hands of intruders, which means that the money stored on it can be stolen at any time. In order to protect yourself, banks advise using a separate card for online purchases, to which you will transfer only the amount that is needed for the purchase right now. Another option is to get a special virtual card.

Non-cash spending has long been firmly established in our lives. But still, some people, in the old fashioned way, prefer to withdraw their entire salary and pay in cash in stores. But paying by bank transfer from a card is profitable. And here are 7 reasons why.

You will receive interest on the balance

Many big banks encourage their customers to keep as much money on the cards as possible by accruing interest on the balance. For example, Tinkoff accrues 6% per annum to the Tinkoff Black card, Otkritie - 5% to the Smartcard, and VTB - up to 8.5% to the Multicard. Even on the Halva installment card, you can earn if you deposit funds over the limit into your account - Home Credit Bank will charge up to 7.5% on them, depending on the amount.

The good thing is that banks charge interest on a daily basis. The client does not need to expect to keep the minimum balance, as on a deposit - it is enough to continue using the money as before. You can safely spend or replenish them. All calculations are made automatically.

Flexibility in the use of funds and the advantages of a savings account make income cards an extremely popular tool.

Part of the funds will be returned in the form of cashback

To encourage customers to use the card more often, banks offer refunds. Most often it is 1-2% of the costs and up to 40% for partners. If you choose the right debit card with categories with increased cashback, you can save a significant part of the funds. And this is another argument why it is always better to pay with a card.

Good cashback programs offer:

• Tinkoff - 1% of all purchases and 5% - in user-selected categories;
• VTB - from 1% to 2% on all purchases, depending on the amount of expenses and up to 10% in the categories Auto and Restaurants;
• Ak Bars - 1% for everything, 5% - for entertainment and 10% - when paying for travel in transport;
• Alfa-Bank - 1% on all purchases if you spend more than 20 thousand rubles on the card;
• Opening - 1-1.5% for any expenses.

Often, cards with income on the balance also combine the cashback option. That is, on such cards you can both store money and spend it - as a result, the profit will be approximately the same.

Bonus system will be connected

If the bank does not return "live" money in the form of cashback, then most likely it has a bonus system. Sberbank has it, Rosselkhozbank has Harvest, VTB has Collection. You can purchase either one of the many Tinkoff co-brands to save on purchases at certain stores.

The number of accrued bonuses depends on the amount of expenses and the status of the client in the system. As a rule, you can get 0.5% -5% bonuses to your account.

You can spend them in different ways, the most common options are:

• payment for part of purchases from partners;
• payment for banking services (for example, SMS informing or monthly card maintenance);
• receiving compensation (the return of the same “live” money - in this case, the bonus program acts as an analogue of cashback).

Each bank has its own conditions. Familiarize yourself with them - it is quite possible that they will come in handy for you, and you will receive additional profit from everyday expenses.

You can fly for free

Miles are a variety bonus program. Depending on the expenses incurred Your account will be credited with free miles that can be used to pay for air tickets, travel on railway and even hotel reservations and vehicle rentals abroad.

The most profitable programs offer:

• Promsvyazbank - Map of the world without borders;
• Alfa-Bank - Alfa Travel;
• Discovery – Travel.

As a rule, 1 mile is credited for every 50-100 rubles spent.

The cost of air travel is quite expensive, but with the help of miles cards you can significantly reduce costs. For example, by Tinkoff map it is enough to spend 600 thousand rubles on the card during the year to get a free ticket from Moscow to Sochi and back.

You will transfer money instantly

Internet banking allows you to send money in the blink of an eye. If you are a Sberbank client or Tinkoff Bank, then you do not even need to know the card number of the receiving party - you can send money to the second person by phone number.

If you use traditional cash, then you will have to look for an ATM for the transfer, enter card or account details, pay a commission, etc.

With a non-cash transfer, money is transferred instantly, in most cases there is no commission at all, and the limit for the average person is more than enough. Not every day you transfer 100 thousand rubles to your mother or friend!

You will get all the benefits of Internet banking

In general, using a mobile application or online banking will save you a lot of time when dealing with a bank.

Having a sufficient amount on the card account, you will be able to:

• pay any bills without queues and the need to look for an ATM or cash desk;
• replenish the phone and the account of the Internet and TV provider remotely;
• pay taxes, fines, loans, credit cards;
• open accounts and deposits.

If you wish, you can even open a brokerage account and purchase shares directly from the card online.

All this will save a lot of time and money - after all, you no longer need to pay commissions to the teller for the work. Internet banking will do everything for you.

And another plus is templates and automatic translations. You can set up automatic top-up of your account to pay off a loan or create a template with your management company's data to pay utility bills with just a couple of mouse clicks.

Connect cost control

If you want to know where the money goes, and at the same time you can’t or don’t want to keep track of expenses, then cashless payments will help you. At the end of the month, your bank generates a statement that shows your main expenses both by category and by individual stores. If you wish, you can clarify the amount of expenses by day or week in order to understand how money is spent in dynamics.

An analysis of cost control for 2-3 months can help you understand where you are wasting money, and where you cannot do without these expenses. This will be followed by cost adjustments and increased savings.

Also, if you wish, you can install an application for maintaining a family budget on your smartphone. It will analyze SMS from the Internet bank and sort out all expenses and incomes. Perhaps the functionality of such an application will be more useful and convenient for you than the built-in "analyzer" in the Internet bank.

Conclusion

As you can see, using non-cash card spending is much more profitable than just withdrawing money and spending cash. You will be able to multiply your savings, save on discounts and cashback, accumulate bonus miles or Thank you, and also get access to remote banking services. Another convenient function of plastic is the ability to analyze your expenses in order to understand where you can save your money.