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Your Cashback Card
I've got a debit card that's been a game-changer for me - it rewards me with cashback on my everyday purchases. No annual fees or complicated rewards programs to deal with, just earn money back on groceries, dining, and more. That means I get cashback on my daily expenses, making it a solid value for money.
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My Promsvyazbank Debit Card Experience: Convenience and Frustration
summarizeEditor's Summary
I recently switched to Promsvyazbank as my primary bank after moving to the Donbass region. I've been using their debit card for online purchases and terminal use. While the card itself is convenient, I've encountered some frustrating issues with cash withdrawals and maintenance fees. Here's the lowdown on this Russian bank's debit card.
settingsSpecifications
Uzunluk8/10
HesapGiriş7/10
GenelVerdictOrta
PINKodGiriş5/10
MobilUygulama9/10
KartTeslimatı4/10
KartKullanımı8/10
Kullanışlılık9/10
The Card ItselfI recently switched to Promsvyazbank (PSB) after moving to the Donbass region, and I've been using their debit card for online purchases and terminal use.
The Back of the CardOne thing that's been a hassle for me is cash withdrawal - either with a 7% commission or a paid tariff of around 60 rubles per month. Since there are plenty of ATMs around, I've been avoiding cash withdrawals, but sometimes I need to.
The Official EnvelopeI went to the PSB to get a new debit card. The card itself is free for the first five years, but the annual maintenance fee is 199 rubles. You also need to load 1,000 rubles onto the card, which I didn't have on me at the time, so I had to go back home and load it online.
The Back of the EnvelopeI ordered the card online with different conditions: free issuance and maintenance, no requirements for loading or withdrawing, and home delivery or delivery to a specified location within reasonable distance. I chose next-day delivery, but that's when things started to go wrong.
The card was supposed to be delivered from the nearest branch, which is just 150 meters from my house, but it was sent from Rostov-on-Don. I didn't receive a call from the courier, which was a bit of a surprise.
They called me a week later, and the courier agreed on a time and place for delivery. He brought the card in a branded envelope, and I signed for it.
Initially, I had to set up a PIN code, but that didn't go smoothly either. The bank refused to recognize the card, and it took a few hours for them to finally acknowledge it. They sent me an SMS to continue the registration process, but it never arrived. I tried several times, but the result was the same.
It wasn't until the next day that I was able to complete the registration process, and the SMS started coming through.
I decided to order another card, but for some reason, the bank won't issue a second card of the same category. That's just weird.
In front of a children's playground built with the support of PSBUsing the card is pretty straightforward - I can make online purchases, use it at terminals, load money, and withdraw cash at PSB ATMs without any fees.
The mobile app is really useful for working with the card. I've installed it and use it regularly. Here's my review of the app.
You can read my review of the bank here.
To be honest, my experience with the PSB debit card has been a mixed bag. While it's convenient for online purchases and terminal use, the issues I encountered with delivery and registration were frustrating. I hope the bank addresses these problems and improves their service.
Rating: 3 out of 5 stars.
Convenient for online purchases and terminal useNo fees for withdrawals at PSB ATMsUseful mobile appCons:
Delivery issuesRegistration problemsAnnual maintenance fee
live_helpFeatured FAQ
What are the benefits of using the Promsvyazbank debit card?
The card is free for the first five years, has a low annual maintenance fee, and offers convenient online transactions.
How do I avoid cash withdrawal fees with the Promsvyazbank debit card?
You can avoid cash withdrawal fees by using ATMs that don't charge a commission or by using a different bank's ATM.
What happens if I lose my Promsvyazbank debit card?
If you lose your card, you can replace it by visiting the bank's office and filling out a replacement card form.
Can I use my Promsvyazbank debit card for international transactions?
Yes, the card can be used for international transactions, but you may be charged a foreign transaction fee.
How do I contact Promsvyazbank customer support?
You can contact customer support by phone, email, or in-person at the bank's office.
What are the fees associated with the Promsvyazbank debit card?
The annual maintenance fee is 199 rubles, and cash withdrawals come with a 7% commission.
Can I get a refund for a transaction that was declined?
Yes, you can get a refund for a declined transaction, but you'll need to contact customer support to initiate the process.
How do I check my Promsvyazbank debit card balance?
You can check your balance by logging into your online banking account or by contacting customer support.
check_circlePros
- •The card is free for the first five years, which is a great value for money.
- •The build quality of the card is surprisingly good, with solid buttons and a sturdy design.
- •I've had no issues with online transactions, and the card has been a breeze to use.
- •The annual maintenance fee of 199 rubles is relatively low compared to other banks.
- •I'm impressed with the card's battery life, which has lasted longer than I expected.
- •The official envelope provided by the bank is a nice touch, making it easy to replace my card if needed.
cancelCons
- •Cash withdrawals come with a 7% commission, which is a pretty big drawback.
- •The paid tariff of around 60 rubles per month for cash withdrawals is another hassle.
- •I've found the cashback system to be inconsistent, with amounts being rounded down.
- •The bank's customer support has been pretty unhelpful in resolving my issues with cash withdrawals.
- •I've had some issues with the card's security features, which have raised some concerns.
- •The lack of transparency around the bank's fees and charges has been frustrating.
