Friday May 20, 2022

It is a long time to choose the correct payment card at the bank

Twenty years ago, they had barely a thousand payment cards in their hands and were issued by only two banks, today it is our most natural payment instrument with a wide range. That’s why it’s the first choice. The basis is to clarify who will use the payment card, where and where.

Despite the fact that 8.93 million payment cards were issued by domestic banks alone at the end of last year, there will still be people who are still wondering if they will have a card. They can choose between debit cards (the client draws his own pension from his own here) and credit cards, pp. charge (client erp pjen penza z vrovho tu).

Then choose between electronic cards, embossed cards (cards provided with the so-called relevant dog with the widest usability) and virtual cards (used only for payments for goods and services on the Internet).

If you choose another card that is not virtual, it will most likely get into your hands with a card equipped with an IP, the so-called hybrid (ie a card with an IP and a magnetic stripe). So just look around and think about it in time.

The first choice is decided by the first use

You do not decide which bank to go to for your new card, it pays to know in advance who will use it, where and to whom. In this way, you must clarify your possible card limit request and any request for other related services (eg travel insurance, insurance misuse of cards, discount programs).

After all, these are the questions that a bank adviser asks me during a sales interview. According to the answers obtained, I will recommend me first for the most suitable payment card.

However, the requirements of the bank’s clients are individual, and so are their reasons, for which they finally choose the specific card. And the choice will be whatever, you have to apply for the card in writing at the bank and you can only withdraw from its offer. Domestic financial stocks offer the most frequent VISA and MasterCard cards (according to MC only), on behalf of Diners Club or American Express.

that the accepted cities of card associations VISA and MC is practically toton, perhaps and to a specific country and their customs. The difference is, however, in the amount of payments you make when traveling abroad. Repayments made with MC cards are made in euros, while at VISA in US dollars. It is therefore appropriate to assess individual cards in this decision.

But what recommendation will a specific client receive, who can get advice from the bank when choosing a debit card and completely rely on the recommendation of the bank account? We therefore chose three client examples representing different age groups. We submitted the banks for their offer. Of course, we asked how much these clients would pay for a new card, if any.

The first client to be confused is a seventeen-year-old student of a mid-round with an interest in sports. Banks generally recommended an electronic payment card.

Recommended debit card – student, 17 years
Bank Card type Msn fee
(v korunch)
esk spoitelna elektronick /
embosovan
free (within 3 selected products here)
UNDER embosovan VISA
Classic Student
free of charge
GE Money Bank embosovan MC Student free of charge
Komern bank Master G2 / MC G2 free / 20
Potovn spoitelna The court 5
Raiffeisenbank elektronick from 0
UniCredit Bank VISA Electron nebo Maestro 19

The second selected client is single at the age of 27, who loves travel and adrenaline sports. Again, the banks agreed in the recommendation of some of the embossed payment cards with travel insurance.

Recommended debit payment card – working, 27 years old, single, loves travel
Bank Card type Msn fee
(v korunch)
esk spoitelna embosovan VISA Classic Partner/MC Standard Partner/VISA Gold Patrner/MC Standard Gold according to the Personal settings here
UNDER VISA Classic 90 v tu
GE Money Bank MC Standard 119 in here with travel insurance
Komern bank Inter Card 125 in here / 59
LBBW MC Standard in here 50 with travel insurance
mBank embosovan VISA Classic free of charge
Potovn spoitelna VISA Classic 42 with travel insurance
Raiffeisenbank embosovan from 0
UniCredit Bank elektronick/embosovan v tu 99

This client is employed by his family for 37 years. Summer and winter holidays last with my wife and two children most often abroad.

The banks also recommended to our clients an embossed payment card with travel insurance, or an negotiable travel insurance for the whole family.

Recommended debit payment cards – working, 37 years, enat, 2 children 2x ron abroad allowed
Bank Card type Msn fee
(v korunch)
esk spoitelna elektronick /
embosovan
according to the Personal settings here
UNDER VISA Classic 90 in here + free card for partner
GE Money Bank embosovan MC Standard 119 v tu
Komern bank Maestro/VISA Electron free of charge
LBBW MC Standard 70 in here with family travel insurance
mBank embosovan VISA Classic free of charge
Potovn spoitelna The court from 16
Raiffeisenbank elektronick from 0
UniCredit Bank elektronick /
embosovan
99 v tu

The last client is a 66-year-old senior who pays two cash preferences over a payment card at the store.

Due to this situation, banks recommended some of the “ordinary” and financially electronic electronic payment cards.

Recommended debit payment cards – pensioner, 66 years old, the card would be used most often for cash
Bank Card type Msn fee
(v korunch)
esk spoitelna elektronick VISA Electron/Maestro according to the Personal settings here
UNDER VISA Electron 40 v tu
GE Money Bank Maestro 89 v tu / 39
Komern bank Maestro/VISA Electron 22 v tu / 17
LBBW Maestro free of charge
mBank embosovan VISA Classic free of charge
Potovn spoitelna The court from 16
Raiffeisenbank embosovan from 0
UniCredit Bank

elektronick/embosovan

64 v tu
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