Unofficial supplement to the article about MegaFon's bank card

A recent article in the MegaFon corporate blog How it works: the MegaFon card caused a discussion with 245 comments.
And to the previous article, the Bank Card from MegaFon has even more comments - 314.
This was mainly caused by a lack of information in the original articles.

Let me bring to your attention a supplement based on the most interesting comments of an employee of MegaFon and habrovchan.

Additional Information

Bank issuing card - Bank Round .
Detailed information on the cards here .

UPD3. Tariffs and commissions on the map:

• Tariffs for non-personalized cards .
• Tariffs for a personalized card - here the conditions are better.

UPD11. A personalized card is issued on the passport of a citizen of the Russian Federation, and non- personified - on a foreign passport of another state .

The benefits of MegaFon are to reduce the duration of your financial blocking (when you have a minus in the account and you do not use the services). The operator does not claim any other money in this model.

Card registration is free only for subscribers of the “All Inclusive” tariff .

For the rest of your account above 500 rubles and up to 200 tr. 8% per annum are accrued as part of the loyalty program, under the terms of which personal income tax does not arise .

UPD6. Interest is credited once a month, provided that there is at least one transaction on the card. There is no minimum transaction size, you can spend at least 1 ruble per month.

The previous service “Virtual Visa Card” has nothing to do with this card. This card is Mastercard. It is 100% compliant with all safety standards. It is accepted wherever MC is received.

Ways to replenish the card are all ways to replenish the phone's account, plus ways to replenish MasterCard

@ipswitch gives clarification: It is impossible to replenish the card with a bank transfer by requisites, it does not have a separate account . Deposit - no bank transfer. The transaction through the MasterCard payment system is essentially the same P2P MoneySend .

UPD8. Beaglz warns: If the card does not open an account, then the situation with the return of funds will be like a Corn. Legal entities cannot return payment for the goods to the buyer's card, which does not have bank details. That causes inconvenience to both the owner of the defective card and the seller.

UPD14. Gold cards are always equipped with NFC. Standard cards are equipped with NFC only in the following cities (and regions): Moscow, St. Petersburg, Kazan, N. Novgorod, Samara, Yekaterinburg, Novosibirsk .

Goodies for customers

Anyone who receives a card is connected to the ban on the use of content subscriptions.
Is free.

UPD12. This option will be constant , i.e. It will not automatically turn off after 3 months, as it happens for cardless subscribers.

If you want to use content services, then you will be offered to open a special content account and pay for services from it .

Cardholders after 45 days of non-use of paid services Megaphone will not begin to write off money. . If anyone has forgotten, then they write off 15 rubles a day after 45 days of subscriber inactivity.

@mtumanov warns that if there are no cards, and several numbers are tied to one personal account, they will start writing off if any of them is inactive !

Scam Protection

A bank card is not issued by proxy , it is issued only on the passport .
UPD4. But the existence of non-personalized cards immediately raises the question, on the basis of which documents they will be issued. Certainly not on the passport - otherwise they would immediately become personalized.

In case of replacing an old passport with a new one, a new passport will be marked with the details of the old one. But is this mark enough or will it also require a certificate - so far there is no answer .

So that the fraudster could not rob you through the Internet bank - there is a service for banks “Status +”. . In case a smartphone-sim card is broken, the bank receives a signal and blocks payments. Thus, a swindler, even if he can enter the Internet bank application, but will not be able to perform any operations.

A SIM card binding to a bank card can be dropped either by MegaFon-Retail employees in salons, or by employees of the MegaFon Contact Center on a code word .

If someone re-released the SIM card to itself, then you are on the old SIM card [immediately receive an SMS stating that a duplicate SIM card was issued. And you can quickly call the call center (free of charge from anywhere in the country) and report that you have not changed the SIM card .
UPD5. No, you can not call. Only receive SMS for some time.
UPD9. Specifically, what time is a secret, and it periodically changes so that attackers do not recognize it .

UPD10. They promised to think about the possibility of implementing the vikarti proposal in the case of issuing new or replacing any SIM cards to send SMS to all numbers specified by the subscriber (not even Megaphone) + to an e-mail.

Conflict Policy

From my point of view, the easiest (non-IT) way for a scammer to get access to a card account is to transfer the SIM card "to yourself" with a fake passport or power of attorney. In the "wild" is already met . Then the fraudster gets the opportunity to reset the password to his personal account, and there - the item "Transfer from the phone account." When asked what will MegaFon do ? The answer was: If we see that the client has become a victim of fraud, then we will return the funds to the subscriber.

Nuance, forgive my paranoia, lies in the words "if we see." Alas, to the question: If the investigation has already established that the power of attorney is counterfeit, will you return without subsequent courts and appeals? - no answer.

There is no answer to the question of how MegaFon will behave if fraud by Megafon-Retail employees is found - whether they will look for loopholes to “throw” their client, and not be responsible for the actions of their employees, as, for example, happened in Sberbank .

But remember: “Unreasonably protested payment of 1500 rubles. for each case. "

What if Bank Round or MegaFon goes bankrupt?

The issuing bank Round does not participate in the Deposit Insurance System .
UPD1. Actually - participates , but for cardholders it does not matter, because:

All your money is not stored in the bank, but in MegaFon . After clarifying the question, it turned out that all the same in the bank, more precisely - the Ministry of Finance keeps its accounts in several banks .

UPD2. There is an interesting nuance. A month ago, to a previous article about a deee card, I asked , and MaximMegafon confirmed the position of MegaFon and the Ministry of Communications:

The account of the mobile operator is an advance payment, the minister explained, therefore the money on this account does not belong to the subscriber himself.

UPD13. So, from the point of view of the law, the money in the account of the subscriber belongs to the operator. In some situations this may be an advantage. The practice is such that bailiffs cannot seize these funds, i.e. the cardholder will be able to continue using it, unlike ordinary bank cards.
Money on the account is an advance to the operator. Which can be picked up. This is what happens at the time of payment with this money using a card or via mobile commerce. Without a card, this is much more difficult and expensive .

If the bank Round disappears, turns into a pumpkin or something else, then nothing will happen to your money . They both lay on the account of the Megaphone, and will continue to lie there. All payments through the application will be available to you, and the company will promptly replace your plastic card with a new one (another bank).

MegaFon is not a bank, so they cannot take a license from us. At the same time, we guarantee you the safety of all your funds, and not just 1.4 million . This is governed by the agreement between the Subscriber and MegaFon .

Operators do not need an external guarantor, as there are no precedents for the bankruptcy of cellular companies.

Here on this optimistic note, let's finish.

PS Hubs and tags are set as in the original article of MegaFon, so please don’t beat for “non-core”.