VTB Multicard contactless payment and First they lure you, then they change the conditions! The card is not bad, but with its own VTB-style chips

How to pay by phone in a store

Before paying with a phone with NFC, you need to run this very module in it by going to the smartphone menu. If the program requires, then you need to activate the program using the previously entered code. Approaching the terminal, turn on the screen and bring the smartphone to the reader. All transactions up to 1000 r. are automatically paid, all the rest will require the introduction of a payment password or confirmation of the transaction with a signature.

Where contactless payments are accepted

Contactless payment technology is convenient. A phone with NFS can be used in retail outlets when paying for purchases. It is easy for them to pay in restaurants, for travel by Aeroexpress and at the subway ticket offices. You can pay for goods or services wherever there is a real possibility of making transactions using contactless payment terminals. If the Samsung Pay application is activated, the possibility of paying by touching the phone instead of a credit card increases, since the transaction can be performed with almost any terminal, not only in Moscow, but throughout the country, and even abroad.

Multicard service package – features

The VTB Multicard service package is activated for the card of the same name issued by the bank (the card and the package are practically the same). The banking product has a range of possibilities:

• free connection, service;
• participation in the bonus program – 6 options for the choice of the holder;
• cash withdrawal without commission worldwide;
• free transfers via SBP – no more than 100 thousand rubles. monthly;
• additional privileges for salary or pension recipients.

VTB Multicard package is provided free of charge, however, only as part of the basic set of services – if the holder needs an increased cashback, the service will be paid (or without commission when fulfilling the turnover requirements).

Issuance and maintenance of VTB Multicard – conditions

List of terms of service – an extensive list of tariffs that did not fit even on 15 pages, which makes it difficult to study. The general conditions valid in 2021 are presented in the table.

VTB Bank, Person. No. 1000

Cashback up to 30%

to the card balance

Before applying, find out the full terms of service for VTB Multicard debit – holders’ reviews confirm that it is precisely because of inattention that the client receives less benefit than he originally expected.

Bonuses and cashback

The key advantage of VTB Multicards is cashback on all purchases with a choice of bonus options, which makes plastic a universal financial instrument suitable for tourists, investors, and borrowers. Loyalty program conditions are beneficial for the holder:

• up to 15% refund for operations with partners;
• compensation up to 1.5% for all expenses;
• increased rate for a savings account – up to +3% per annum;
• discounts on bank loan products – up to 1% of the base rate.

Bonuses accrued on the VTB Multicard can be spent in the partner catalog, exchanged for ordinary rubles, compensated for purchases in certain categories (hotels, tickets, entertainment, partner certificates).

Calculation of interest on the balance

With VTB Multicard, the privileges for the holder are numerous, but interest on the balance of the card account is not provided. The client receives up to 5% per annum only on a savings account (need to be opened separately). At the same time, active card users receive an increased income from savings – an additional 1% on the deposit and 3% on the current account (up to 100 thousand rubles)

To count on a high rate, you need to activate the Savings bonus option, as well as make purchases in excess of 10,000 rubles. per month (you can spend money outside the Russian Federation). As part of the option, the client loses cashback – points for spending transactions will not be credited.

Cash withdrawals and transfers

For VTB Multicard (debit), the terms of service can hardly be called simple – you will have to carefully understand them. Fees apply for cash withdrawals and transfers:

• cash withdrawal without commission – at VTB Group terminals (16,000 devices);
• transfers to own accounts in VTB via Internet banking – free of charge;
• transfer of funds in favor of third parties who are VTB clients – with a commission of 1%;
• sending funds to other banks – 1% of the amount in offices (min. 200 rubles), 0.4% of the amount in personal account (min. 20 rubles);
• transfer via SBP – free of charge by phone number up to 100 thousand rubles. monthly;
• transfer to accounts of third parties in Post Bank, Vozrozhdeniye, SAROVBUSINESSBANK, Zapsibcombank – free of charge.

With the VTB Multicard, cash withdrawals are not subject to commission if the transaction is carried out at terminals using the card. If you receive funds from an account in the office (without plastic), you will have to pay a fixed commission of up to 1,000 rubles.

Salary and pension VTB Multicard

The conditions of use for payroll clients and pensioners are especially attractive with VTB Multicard – the bank offers them a number of additional privileges:

• income on balance – 4%;
• free issue of the MIR card with bonuses from the payment system;
• easier access to loans in the future;
• personal offers from the bank, available in your account.

Before applying for VTB Multicard, study the terms of use, and to transfer a salary or pension to an account, print an application through the Internet bank or take it at a branch, sign it and give it to the accounting department at the place of work (for pensioners – to the Pension Fund).

What is the catch of the VTB debit Multicard?

The advantages of the product have a positive effect on its popularity among individuals, but is the VTB Debit Multicard so good – what’s the catch of plastic? There are indeed many pitfalls:

• contrary to the name, the card is issued in only one currency of your choice;
• to get high cashback and income, you need to spend a lot – from 75,000 rubles. per month;
• bonuses are awarded in points, not in real rubles;
• the abundance of options is confusing – you need to choose, analyze, carefully weigh the pros and cons;
• the holder will have to opt for one thing – to receive a cashback, reduce the loan rate or increase the profitability of the deposit.

Customer feedback on VTB Multicard is ambiguous – users also note a long transaction processing time (up to 5 days), due to which the operation may not be included in the calculation of the minimum level of spending per month.

How to get a Multicard?

How to get and how to activate a VTB Multicard with cashback? You can apply for the release of plastic on our website by following the step-by-step guide:

1. Carefully study the VTB Multicard tariff and compare the benefits with the conditions of competitors (on one page).
2. Fill out a short online form on the website by clicking the “Issue a card” button.
3. Wait for the manager’s call to agree on the conditions – feedback is received within a few minutes.
4. Pick up the card at the nearest branch or order home delivery by courier, agreeing on the place and time of the meeting.

How to activate VTB Multicard after signing an agreement? Obtain a PIN from Internet Banking or 24/7 Help Desk and complete any transaction via an ATM (e.g. balance inquiry). After activation, the plastic can be added to the smartphone for contactless payment.

Pros and cons

Study the conditions before applying for a VTB Multicard (reviews, what’s the catch, strengths and weaknesses). The product has significant advantages, although it has not been without its drawbacks. Among the benefits:

• free release and maintenance;
• flexible loyalty program;
• availability of privileges for borrowers and depositors;
• courier delivery in 30 cities of Russia;
• free transfers by phone number;
• the ability to instantly issue digital plastic.

The disadvantages include the presence of commissions for transfers – the fee is charged even when sending funds within the bank. In addition, within the framework of the loyalty program, it will be possible to choose only one bonus option, refusing other benefits.

The flagship product of VTB Bank “Multicard” is certainly a tempting offer for customers who need an honest cashback, interest on the savings account balance and ease of service, thanks to hundreds of branches and ATMs throughout the country, as well as a functional personal account. Unfortunately, there were some shortcomings, so before applying for plastic, you need to study detailed information about the VTB Multicard (what’s the catch, cons, conditions, reviews of holders) – you need to make a balanced and deliberate decision.

Frequently Asked Questions

Is it possible to issue additional cards to one account?

You can link up to 5 bank cards to one account – it’s free and allows you to receive increased bonuses, since cashback for spending all family members will be credited to a single account (as part of the Multicard package).

What operations are involved in cashback accrual?

Bonus points or miles are credited for all debit transactions, except for cash withdrawals, transfers, payments to the Internet bank. Cashback is also not provided for replenishment of electronic wallets, purchase of lottery tickets, transfer of funds to the casino address and for similar transactions.

Which VTB partners charge increased cashback?

VTB Bank, Person. No. 1000

Cashback up to 30%

on card balance

Card replenishment

Payment via NFC requires a positive balance on the card. For this reason, it is necessary to replenish the account. This can be done in the application itself using a plastic card of other banks or through special services of banking institutions. International payment systems vouch for the safety of the process of using a cell phone instead of plastic, and funds are credited quickly – within a few minutes.

Advantages of contactless payment

• Comfort. The gadget turns into a means of payment, which is always at hand, transactions are performed in a matter of seconds, it is convenient to work with contactless payment terminals.
• Security. NFC modules are used to communicate with the terminals (it is quite difficult to intercept the signal), Secure Element chips are used, unique transaction codes are generated without transferring information about the plastic, additional user identification is required (for some payments).
• Availability. To date, in the capital and large cities, more than 95% of points that accept bank cards also work with contactless payment technologies (in the regions the level is still lower, but close to 90%), you can pay for purchases on the Internet.

Most smartphones and any VTB cards are suitable for connecting contactless payments. A card in a smartphone is a convenient and safe way to pay for purchases.

Author’s rating 1 Author of the article Ivanov Sergey Andreevich Technical specialist in contactless payment functions Articles written 22

The banking sector is now actively developing and offers users new and new technologies. Thus, VTB Bank customers can use cards with PayPass technology, which make it possible to pay for purchases directly from a smartphone. This solution is very convenient, and it has already managed to find its fans.

What applications are suitable for contactless payment?

There are a lot of applications of such a plan, and they are always distributed free of charge. Let’s consider the most popular and demanded software.

Qiwi Wallet

This is an electronic payment system that allows you to store up to 15,000 rubles on an electronic account without specifying personal data. The capabilities of the wallets of identified users are noticeably higher. The attractiveness of the Qiwi wallet is due to the fact that the mobile number becomes the wallet identifier. In addition, the system can issue a virtual card.

If we consider the Qiwi mobile application, then the utility is built on the PayWave platform, which provides a high level of security for contactless payments.

Yandex. Money

Despite the fact that this is one of the most common electronic payment systems in Russia, the contactless payment functionality appeared here only in 2016. To take advantage of this opportunity, you need to install the application of the same name on your smartphone and create a virtual card in the payment system.

The limit available for spending will be equal to the balance of the e-wallet. It should be clarified that contactless payment is relevant only for purchases in the amount of up to 1,000 rubles. If the limit is exceeded, the PIN code of the virtual card is entered, which comes in an SMS notification to the smartphone.

AliPay

This is a Chinese payment system that so far only works with cards issued by Chinese banks. In Russia, this application can be used, but very limited.

In particular, contactless payment is possible in some stores in major cities, airports and online stores selling Chinese goods. A feature of this payment system is a high level of protection of financial transactions. For example, if a user has had an unauthorized write-off of funds, he has the right to demand compensation. The most interesting thing is that the victim will receive it.

AndroidPay

This application is designed specifically for mobile devices running on Android 4.4 and above, equipped with an NFC module. A feature of this payment system is virtual tokens: special identifiers that are assigned to each transaction.

In addition, when the phone is blocked, the data on previous transactions is automatically deleted.

SamsungPay

This application is designed specifically for Samsung smartphones. The features of the software include support for MST technology. This means that with the help of mobile devices you can make purchases even through readers that work with magnetic cards.

When making a contactless payment, each transaction is assigned a token, so the card details are not marked anywhere.

ApplePay

This is a native iPhone app that works with all IOS devices. The service is widely used in Russia, and it is used by many banks, including VTB. The technology works correctly with the international payment systems Visa and MasterCard.

Where can I download the application?

The programs listed above are freely available on the free AppStore and Google Play Market services. Utilities do not overload the smartphone’s memory, they work automatically, without requiring additional activation.

Map binding

To do this, the following actions are performed:

• the application is installed on a mobile device;
• an account is created;
• card details are indicated: manual entry or scanning through the camera;
• the terms of the user agreement are accepted;
• enter the security code from SMS into the corresponding field.

This completes the registration procedure. If you need to link an additional card, all the above steps are repeated.

Order of replenishment

No funds need to be transferred to the application balance. All write-offs are carried out from a bank card, which is replenished in the usual way. Note that VTB customers can independently set spending limits for the day and for the month.

Instructions for connecting a VTB card to Apple Pay

Contactless payments on Apple devices become available thanks to a special Applenfc module that allows you to establish communication between devices.

Important! Installing software from third-party services is impossible, so the risk of confidential information leakage through malicious applications is reduced to zero.

You can connect a VTB card to Apple Pay on iphone by following these steps in sequence:

• open the Wallet application, in the upper right corner, click the “+” icon;
• select the tab for adding a VTB credit or debit card;
• if the plastic is tied to an iTunes account, you need to enter a security code;
• if you need to link another card to Apple Pay, select “Add another card”;
• card details must be scanned by the device’s camera;
• confirm the operation with an SMS code.

You can connect the Apple Pay service for Apple Watch and iPad using a similar algorithm. Successful registration requires device access to the Internet. After the desired card has been added, check that the TouchID (FaceID) settings are correct. To use your Apple Watch for contactless payment, you must have wrist recognition turned on and a password set up. All devices must be signed in to iCloud before using Apple Pay.

Apple Pay contactless payment method will allow you to pay in stores and salons where terminals with the PayPass function are installed. You can pay for purchases in the Internet space using Apple Pay through the Safari browser. A button will be displayed on the seller’s website, indicating the possibility of making a contactless payment.

Connecting a VTB card to Samsung Pay

VTB card holders who own popular Samsung models (Galaxy or Gear) can use their Samsung account to link the card. But it should be remembered that the Samsung Pay application requires mandatory user authorization every time you need to pay for any purchase.

How to enable VTB contactless payment for SamsungPay:

1. Open the Samsung Pay app, enter a valid Samsung Account, set up a convenient authorization method (PIN code, fingerprint, iris photo).
2. The device’s camera scans the VTB card. You can enter its details manually.
3. Accept the bank’s terms of service.
4. Press the SMS button to pass the cardholder identification. When the code arrives, it is entered into a special window and sent.
5. Enter the signature – with a finger or a stylus.

Multiple bank cards can be connected to the Samsung Pay app, up to a maximum of 10.

How to pay with a smartphone using PayPass and PayWave technology?

PayPass technology is currently supported by a contactless Mastercard card from VTB, and PayWave technology is supported by a Visa card. There is no fundamental difference between them.

• But when using Mastercard abroad, transactions are converted through euros, so you need to take into account the exchange rate.
• When using the Visa card, the currency exchange takes place through dollars.

Let’s figure out how to pay instead of a VTB 24 card with a smartphone using PayPass and PayWave.

Financial transactions occur as follows:

1. The purchase is confirmed through the details of the VTB plastic card by bringing the gadget to the terminal. In some cases, you need to enter a pin code or confirm the transaction with a fingerprint.
2. Data is being processed by the terminal.
3. After confirming the transaction, the funds are debited from the VTB bank card.

Read more about whether you can pay by phone instead of a bank card, how to do it, read here.

NFC bracelet

In addition to a smartphone for contactless payment at VTB 24, you can use smart watches and bracelets that support NFC chip technology. You can link a card of any bank to them, including VTB 24. The user himself can set a one-time and daily debit limit, set up automatic replenishment of the balance. You can also set a pin code that will be used to pay for purchases worth more than a thousand rubles.

VTB plastic card, which can be used for contactless payment, is serviced at standard bank rates. Bonus programs operate in accordance with the issued credit card. For example, if cashback is provided for when paying with a card, it will also be credited for transactions through the gadget.

Using a VTB card for contactless payment is very convenient for bank customers. It can be applied to any payment system. Data is reliably protected from intruders, so you can not worry about the safety of your funds.

Useful publications

Support for android pay from VTB MIR

This google payment system supports bank products. The program is comfortably used on Samsung android phones. The main feature here is considered to be support not only for NFC technology, but for Magnetic Secure Transmission.

The first one opens the possibility to work with contactless transaction terminals. The second option imitates a special magnetic field. It looks like a tape that is on plastic. Thanks to this option, an android smartphone is attached to the terminal. The device reads the information in such a way as if a contactless payment was made.

It is also allowed to use financial products with available cashback. Many advantages are received by the clients of the institution who own a special Multicard. Beneficial options like these are popular. It’s not only convenient. There is an opportunity to save on daily expenses. The main thing is to know how to pay by phone instead of a VTB android card.

Interest-bearing purchases are no different from ordinary transactions. The user applies the smartphone to the terminal. The amount for the purchase of goods or services is debited automatically. After that, SMS comes about the manipulation. In the application of the bank to which the product belongs, you can see how much cashback has been accrued.

How to link VTB multicard to apple pay?

To connect, you must act through the Wallet application. The user performs the following actions:

1. The utility preloaded on the smartphone opens.
2. Next, you need to click on Plus to bind.
3. The method selection section will open. The owner of the phone enters the data manually or scans the product.
4. The three-digit security code is entered separately. The Next button is activated.
5. A notification with a confirmation code will be sent to the device.
6. The combination is entered in a special field. The continue button is activated.
7. Approval from the bank will come in a minute. Another option is to request additional data. Click Next again.

The card is linked. The user learns about it through the sent notification. You can pay for purchases at retail outlets and online stores.

The binding operation can be carried out through the official application of the bank. In this case, the following instruction is used:

• VTB application is downloaded online;
• The program is installed on the phone;
• The application is being launched;
• Registration and authorization in progress;
• Plastic is attached. Click Done.

After performing these manipulations, you will not have to enter a security code. Identity verification is carried out during authorization in the mobile bank.

Mobile payment systems

Contactless technologies are very popular due to the convenience and simplicity of the operation. Today you can make a payment not only by touching the card, but also by smartphone. Now you can pay by phone instead of a VTB card in one second, amounts up to 1,000 rubles do not require confirmation with a PIN code.

Apple Pay, Samsung Pay, Android Pay services allow cardholders to pay by phone in the store. All information on the card is transferred to the smartphone, and the phone becomes an analogue of bank plastic. This method of payment for purchases is securely protected, the possibility of interception of information by third parties is excluded. The connection is due to the NFC system, which is often compared to Wi-Fi or Bluetooth.

The name of the NFC system – Near field communication – literally translates as “near communication”. The connection between the smartphone and the terminal is established instantly, unlike Bluetooth, when it takes time to pair and search for available devices. Information is exchanged at a distance of up to 10 cm.

Not all banks have the ability to connect your card to the contactless payment service. The service of such payments is available to VTB Bank customers, and they can pay by mobile phone instead of a card.

Advantages of contactless payment methods:

1. Convenience. If the card can be forgotten at home or in the glove compartment of the car, then the smartphone is always at hand. There is no need to waste time looking for a card in the store, just touch your mobile device to the terminal screen.
2. There is no need to set up an NFC connection before each purchase. The connection is established instantly and disconnected automatically after a few seconds.
3. Many outlets are equipped with contactless payment terminals, so the user will not have problems making payments.
4. High level of security of operations. Each transaction is endowed with a unique key, so attackers will not be able to intercept plastic information.
5. If the card has a bonus program, then when using a smartphone as a means of payment, you can continue to accumulate points and return part of the funds spent.

Card management

Applications allow users of IPhone, Samsung, HTC, LG and other smartphones to bind different cards. If necessary, you can delete the data of the old credit card and enter new ones. For iPhone owners, by default, the payment card is the first credit card entered. If other cards have been entered, then the application must indicate the one that is a priority.

How to pay by phone instead of VTB card

Article author Marina Kuznechkina Reading time: 3 minutes АА

Contactless technologies attract all users of bank cards and modern smartphones. VTB customers can now put their card aside and pay for purchases using their gadget. Payments are instant and do not require the introduction of a PIN code, if the debit amount does not exceed 1000 rubles.

There are several contactless payment methods: Apple Pay, Samsung Pay, Android Pay. Information on the card is duplicated in the smartphone, which will later perform the functions of plastic. Such purchases are well protected from the interception of personal data by third parties.

The main condition for the transition to this type of payment is the device’s support for the NFC system, the essence of which some people compare with Bluetooth and Wi-fi.

NFC stands for Near Field Communication. The literal translation looks like this – “close connection”. When you bring your smartphone to the payment terminal, there is an instant connection between the devices. The maximum distance between gadgets at which information can be exchanged is 10 cm.

Consider the process of connecting a VTB card to a contactless payment service using Apple Pay as an example. If another service is used, then the plastic connection sequence is practically the same.

First of all, you need to install the payment application on your smartphone. It’s called Wallet.

Next, follow the sequential instructions:

• open “Wallet”, press the “+” icon, which is located at the top right;
• select the tab for adding VTB cards;
• when linking plastic to an iTunes account, a security code will be required;
• to add another card to the service, use the item “Add another card”;
• plastic details are scanned by the smartphone camera;
• the operation is confirmed with a special code from SMS.

A debit or credit card added this way will be marked with a signature that it is set for Apple Pay. After that, the smartphone can be used instead of plastic and pay with it at all outlets where there are terminals with the Pay Pass function.

Terminals also accept payments from smartphones connected to Google Pay and Samsung Pay services. At the cash desks in such stores, you can see a special designation indicating the possibility of paying in a contactless way.

Mobile payment systems

Contactless technologies are very popular due to the convenience and simplicity of the operation. Today you can make a payment not only by touching the card, but also by smartphone. Now you can pay by phone instead of a VTB card in one second, amounts up to 1,000 rubles do not require confirmation with a PIN code.

Apple Pay, Samsung Pay, Android Pay services allow cardholders to pay by phone in the store. All information on the card is transferred to the smartphone, and the phone becomes an analogue of bank plastic. This method of payment for purchases is securely protected, the possibility of interception of information by third parties is excluded. The connection is due to the NFC system, which is often compared to Wi-Fi or Bluetooth.

The name of the NFC system – Near field communication – literally translates as “near communication”. The connection between the smartphone and the terminal is established instantly, unlike Bluetooth, when it takes time to pair and search for available devices. Information is exchanged at a distance of up to 10 cm.

Not all banks have the ability to connect your card to the contactless payment service. The service of such payments is available to VTB Bank customers, and they can pay by mobile phone instead of a card.

Advantages of contactless payment methods:

1. Convenience. If the card can be forgotten at home or in the glove compartment of the car, then the smartphone is always at hand. There is no need to waste time looking for a card in the store, just touch your mobile device to the terminal screen.
2. There is no need to set up an NFC connection before each purchase. The connection is established instantly and disconnected automatically after a few seconds.
3. Many outlets are equipped with contactless payment terminals, so the user will not have problems making payments.
4. High level of security of operations. Each transaction is endowed with a unique key, so attackers will not be able to intercept plastic information.
5. If the card has a bonus program, then when using a smartphone as a means of payment, you can continue to accumulate points and return part of the funds spent.

NFC bracelet

In addition to a smartphone for contactless payment at VTB 24, you can use smart watches and bracelets that support NFC chip technology. You can link a card of any bank to them, including VTB 24. The user himself can set a one-time and daily debit limit, set up automatic replenishment of the balance. You can also set a pin code that will be used to pay for purchases worth more than a thousand rubles.

VTB plastic card, which can be used for contactless payment, is serviced at standard bank rates. Bonus programs operate in accordance with the issued credit card. For example, if cashback is provided for when paying with a card, it will also be credited for transactions through the gadget.

Using a VTB card for contactless payment is very convenient for bank customers. It can be applied to any payment system. Data is reliably protected from intruders, so you can not worry about the safety of your funds.

Payment systems, connection instructions

Modern smartphones allow not only making calls, sending messages and using the Internet. Today, you can pay for purchases by phone instead of a VTB card. The replacement of the card with a mobile application was appreciated by many VTB Bank customers. What the system of contactless payments is based on, and how to link a card to payment services, we will consider in our article.

Instructions for connecting plastic to the mobile application

Linking a VTB card to Apple, Android or Samsung Pay is quite simple. First you need to make sure that both the card and the gadget support contactless payment technology. After that, they proceed to install the application and link the card.

Apple

Almost all Apple smartphones support contactless payment. To use this function, you need to do the following:

1. Install the Apple Pay app and open it.
2. In the upper right corner, click on the plus.
3. If you already have a card linked to your account, you just need to enter its details. If not, you need to click “Add another card” and scan the plastic with the device’s camera.

Samsung

The card is added as follows:

1. First you need to register an account and verify your fingerprint. Next, a pin code is generated.
2. After that, a bank card is added. You can enter its data or scan it with the camera. The bank will send an SMS message with a one-time code, which must be entered for confirmation. A window will open in which you need to enter your signature. After that, the card will be linked.

Android

Connecting a contactless card to an Android smartphone is as follows:

1. Android Pay app needs to be installed.
2. Open it and click “Start”.
3. Select “Add new card”. If the card is already linked, simply enter information about it. If not, the plastic is scanned by the camera.

After that, the application will save the data, and it will be possible to pay for your purchases by phone.

• What is a QR code and how to use it, how does one pay using a QR code through Sberbank online, is it possible to pay utility bills and withdraw cash using a QR code from Tinkoff? , as well as a Sberbank card, Qiwi PayWave, Mir.
• Application Mobile ticket, “Yandex. Money” and MirPay service.

Conditions for obtaining a card with contactless payment

VTB Bank can issue both a credit and a debit card, which makes it possible to receive interest on deposits. Pensioners can get a social card. An application for receiving plastic can be submitted at a bank branch or online, on the VTB website.

For registration, the client will need to present a passport and an identification code. If a credit card with a limit is required, proof of income will be required. This can be done by providing a certificate in the form of 2-NDFL or in the form of a bank, or an account statement.

The application is processed during the day. The card itself is usually made within 10 days. To get it, you need to visit a bank branch with a passport.

The Bank has the following requirements for those wishing to receive a card:

• Age 21-70 years.
• Citizenship of the Russian Federation.
• Permanent registration at the location of the bank.
• Income from 20 thousand rubles (from 30 thousand – for residents of Moscow).

Contactless payments with smartphone

We note right away that one NFC module is not enough to conduct contactless financial transactions. For this, specialized applications that support this function are installed.

Software is downloaded for free from Internet sites.

After installing the application, the utility is synchronized with a bank card, after which you can pay for purchases by simply placing your smartphone on the reader.

If a person owns a mobile device on the IOS platform, at the time of payment, you need to keep your finger on the fingerprint scanner.

On Android, the procedure looks more simplified: the smartphone is released from the lock and brought to the reader. You do not need to launch the application: activation occurs automatically.

Android owners

Contactless payment technology is supported on smartphones with Android firmware, version 4.4 and later. In particular, you can use this feature on almost all devices released after 2014.

Connection of contactless payments is carried out according to the following scheme:

1. Go to the setup menu.
2. We find the sub-item responsible for managing wireless networks.
3. Click on the inscription “MORE”.
4. Select Android Beam and NFC.
5. Activate the module.
6. We confirm the possibility of exchanging data when paying for purchases.

After completing the above steps, the smartphone is ready for contactless transactions. Additional settings are usually not required.

iPhone owners

Here, the procedure for setting up the contactless payment module changes slightly. Considering that many owners of such gadgets use smart watches, let’s consider how the module is synchronized with this device.

Perform setting as follows:

• find the Apple Watch application in the system menu;
• click on the link “MY WATCH”;
• find the connected device in the list;
• in the system menu of the application, add a bank card to debit funds;
• indicate the security code that will come in the SMS notification;
• synchronize the payment application with the watch.

After that, the application and the card are linked to the watch, and to make a payment, you need to bring the accessory to the reader.

You can pay for purchases directly from your phone without these difficulties: most iPhone models are initially adapted for contactless payments. However, here you need to remember one nuance. In particular, the NFC chip is located at the top of the smartphone, so for the correct payment, it is this half that is brought to the reader. If errors are made during assembly, the transmitter module may be misaligned and the correct position will have to be found.

NFC setup instructions

If you have an Android smartphone, you can also take advantage of contactless payment.

Please make sure your device is equipped with an NFC chip for contactless transactions before downloading the app. If such a module is not built-in, then you will not be able to pay for purchases by phone. Operating system versions not lower than Android 4.4 are suitable for work.

You can find out if your smartphone has NFC on the manufacturer’s website or in the wireless settings section. If the specified module is present, you must configure the NFC function for paying with a VTB card. Activate the icon to allow the device to make contactless payments.

To use the contactless payment system on Android smartphones, you need:

• download the AndroidPay app from GooglePay;
• click the “Start” icon;
• if the card is already linked to a Google account, just enter the security code;
• if you need to connect another card, specify its details by scanning the device’s camera;
• activate the screen lock and select the unlock method;
• confirm linking the card with an SMS code.

The contactless payment system allows you to use a smartphone instead of a VTB card, making the life of bank customers more comfortable.

Is it safe to use?

The service complies with all security standards used in the banking industry. User safety is ensured by:

• The card number is not stored in the phone. Each financial transaction receives a unique code that is of no value to attackers. The smartphone ID is also used, so even if fraudsters intercept important information, they will not be able to perform any operation.
• Payment data is stored on the gadget in encrypted form.
• A purchase for a large amount involves not only bringing the gadget to the terminal, but also confirmation by entering a code or a fingerprint. Therefore, even with theft, criminals will not get access to the money.

Contactless payments by smartphone from VTB Bank

Contactless payment technology is rapidly gaining momentum in the Russian consumer market. Increasingly, you can see people using mobile devices instead of a card when shopping in stores. Among Russian banks, VTB occupies a leading position in integrating bank cards with smartphones.

There are many advantages of contactless payment. In particular, a person does not need to carry a fan of bank cards with him, risking losing them. All the necessary details are entered into the memory of the application, and when making a payment, the required amount is simply debited from the card balance. In addition, making such transactions implies a high level of payment security. The likelihood that personal data will fall into fraudsters is minimized. Consider what VTB offers to its customers for making contactless payments.

NFC setup instructions

If you have an Android smartphone, you can also take advantage of contactless payment.

Please make sure your device is equipped with an NFC chip for contactless transactions before downloading the app. If such a module is not built-in, then you will not be able to pay for purchases by phone. Operating system versions not lower than Android 4.4 are suitable for work.

You can find out if your smartphone has NFC on the manufacturer’s website or in the wireless settings section. If the specified module is present, you must configure the NFC function for paying with a VTB card. Activate the icon to allow the device to make contactless payments.

To use the contactless payment system on smartphones with the Android operating system, you must:

• download the AndroidPay app from GooglePay;
• click the “Start” icon;
• if the card is already linked to a Google account, just enter the security code;
• if you need to connect another card, specify its details by scanning the device’s camera;
• activate the screen lock and select the unlock method;
• confirm linking the card with an SMS code.

The contactless payment system allows you to use a smartphone instead of a VTB card, making the life of bank customers more comfortable.

How to connect VTB card to Google Pay

All cards issued by VTB work with the Android (Google) Pay service, except for Maestro and MIR. Debit (salary, pension) or credit – there is no difference.

How to add a VTB card for paying by phone to Android Pay :

1. Install the Google Pay application on the smartphone.
2. Select a Google account (if there are several).
3. Scan the title part of the plastic with the camera of the device. If the service does not recognize the card, the data is entered manually.
4. Accept the user agreements of the software provider and the bank.
5. When the process is completed, an SMS message with a set of characters is sent to the smartphone. They are entered in the dedicated field – they confirm the identity.

Pay attention! Often, after linking a VTB card to the Google Pay service, a message arrives about debiting a small amount from the account. This is a verification action, after a while the operation is canceled, the debited money is returned to the account.

Using a smartphone instead of a card is currently one of the safest ways to pay for goods and services. Installation of electronic payment services does not take much time and is available even to inexperienced users. The payment process itself is also simple and very fast.

So far, the majority of VTB cardholders can only pay for goods and services with funds on their bank accounts. But already this year, the bank intends to start installing terminals where it will be possible to withdraw cash using a smartphone instead of a card.

NFC payment apps

Before paying by phone instead of a card, you need to install a special application that will help you link a credit card to your mobile phone. To date, there are several of them, so there are plenty to choose from:

• Yandex. Money. The application is installed on the gadget, after which you need to go to the menu and select the “Contactless payments” section. The user will have access to a virtual MasterCard card, and a pin code will be sent to the phone, which will be necessary to pay for goods and services worth more than 1,000 rubles or withdraw cash from ATMs.
• Visa QIWI Wallet. First you need to download the application to your phone and link it to your smartphone. To do this, you need a code that will be sent to the user via SMS. After that, the owner must come up with a password that will protect the payment system. To pay, you only need to unlock the phone screen, and when buying more than 1,000 rubles, sign the receipt or even enter a code.
• Purse. Bank cards. It is installed on a smartphone from Google Play and works on gadgets with Android 4.4 and higher.
• Samsung Pay. The application is installed on the phones of the company. In addition to the fact that payment via NFC is possible, users also received MST (Magnetic Secure Transmission) in addition. If the first one works only with terminals that accept contactless payment, then the second one works with all terminals through which you can pay with magnetic stripe cards, since it creates a “similar signal” in its work.
• Apple Pay. The service, integrated into the Wallet application, allows all users of gadgets released by Apple to use them when paying through contactless payment terminals and online in some online stores.

Apple pay support from VTB MIR

Recently, users of smartphones of this brand have the opportunity to connect the VTB world product to apple pay. To start using, you should carry out the following actions:

1. Wallet launches on the device. You must first download and install it from the App Store.
2. The Plus icon is pressed. It is located in the corner on the right.
3. Map information is added. It must be associated with an iTunes profile. For this purpose, a security code is entered.
4. The application has the option to add other plastic. In such a situation, it is required to photograph two sides of the card.

After adding accounts and entering data, you should take care of the security of use. You should set limits on entering a pin code. You need to put no more than three to five.

Cashback cards

Any products can be linked to the service. It is acceptable to use credit accounts, debit products, with cashback. Universality extends to MasterCard and Visa. To receive a percentage of transactions, you must pay by phone. The payment process is carried out as follows:

1. The smartphone is brought to the terminal.
2. The transaction is confirmed by entering a pin code or fingerprint.
3. The buzzer will sound.
4. It turns out a receipt and goods.

If the cashback option is connected to the account, this will happen automatically. Performing operations through a mobile client is no different from ordinary manipulations.

Which MIR cards from VTB support NFC?

Owners of Mir and Mir-Maestro cards will be able to fully use this payment option. To conveniently make purchases, you need to have a smartphone running on the Android OS. We are talking about the Samsung brand. It can support Samsung Pay app.

To start using the option, you need to link the card to the payment application. You can do it like this:

• Manual entry;
• Scanning plastic.

After that, the identification of the binding is carried out through the SMS sent from the banking institution. It becomes possible to easily make purchases with the listed categories of cards. When performing an operation, you need to swipe across the display. The associated product is selected. The smartphone is brought to the terminal.

The main advantage is the ability to make payments through other devices. We are talking about devices that do not support NFC technology, but have a magnetic tape. In addition, the card can be contact and contactless.

Contactless payment technologies

Let’s start with the fact that a contactless payment differs from the usual one only in the simplicity of the transaction and the limits for debiting funds. For example, during the purchase process, a person does not need to enter the PIN code of the card in the payment terminal: it is enough to bring the device with a microchip to the scanner, and the required amount is debited automatically. The write-off limit is set at 1,000 rubles for a single purchase. If the value exceeds the set threshold, you will have to use a PIN code to confirm the transaction.

In fact, any bank card is a piece of plastic with the logo of the issuing bank. Information about the owner and details are stored on a microchip, which ensures the conduct of a financial transaction. Given that the dimensions of the chip are much smaller than the card itself, this module can be rearranged into any device equipped with a transmitting element.

This principle was taken as a basis by companies promoting contactless payment technologies on the market. Therefore, now transmitting modules are built into smartphones, bracelets, smart watches and other accessories. The bank client is required to do two things: install the contactless payment application on the mobile phone and synchronize the card with the transmitting module.

It should be clarified that contactless payment modules are built using different technologies, which determines the principle of their operation and scope. Let’s look at this issue in more detail.

RFID chip

This abbreviation stands for Radio Frequency Identification. Loosely translated, this means “RFID system”. The module consists of a microchip and a transmitting antenna that interacts with the reader.

We note right away that RFID systems are not integrated into bank cards and are rarely used for contactless payments. They are widely used in the transport industry, hospitality, control and access control systems. Transport cards and electronic key cards work on this technology.

NFC chip

This technology is directly related to our subject. The abbreviation stands for Near Field Communication, which means “near field communicator”. In fact, this is an upgraded version of the RFID module.

NFC chips operate at a frequency of 13.56 MHz, provide signal transmission within a radius of 10 centimeters. Communication with the reader can be established two-way or one-way. By the way, many smartphone manufacturers routinely integrate such modules into most models.

If there is no NFC

Note that not all smartphones are regularly equipped with contactless payment modules. In most cases, the chipset is installed in flagship models or mobile devices released 5-7 years ago. Now it is difficult to say which gadgets include a microchip in the basic package.

For example, “Cupertinians” sew the module into phones starting from iPhone 6 and older. In the case of devices on the Android platform, everything is much more complicated. A variety of models reigns here, so users often have to independently determine whether the manufacturer has provided the possibility of contactless payments or not.

It’s quite easy to do. First, you can look for this information in the user manual. Secondly, you need to go to the “SETTINGS” mode, click on the gear icon and enter the NFC value in the search bar. If the device does not find anything, then there is no standard module here.

In this case, you should not despair. The NFC chip can be installed later.

As a last resort, you can choose another device with an integrated contactless payment module:

• ring;
• watch;
• bracelet;
• keychain.

It should be noted here that contactless payment chips are also embedded in smartphone cases or clothing items.

How to pay with a smartphone using PayPass and PayWave technology?

PayPass technology is currently supported by a contactless Mastercard card from VTB, and PayWave technology is supported by a Visa card. There is no fundamental difference between them.

• But when using Mastercard abroad, transactions are converted through euros, so you need to take into account the exchange rate.
• When using the Visa card, the currency exchange takes place through dollars.

Let’s figure out how to pay instead of a VTB 24 card with a smartphone using PayPass and PayWave.

Financial transactions occur as follows:

1. The purchase is confirmed through the data of the VTB plastic card by bringing the gadget to the terminal. In some cases, you need to enter a pin code or confirm the transaction with a fingerprint.
2. Data is being processed by the terminal.
3. After confirming the transaction, the funds are debited from the VTB bank card.

Read more about whether it is possible to pay by phone instead of a bank card, how to do it.

Conditions

Those wishing to use the services should know that:

• When making a purchase for an amount over 1000 rubles. additional identification may be required – entering the PIN of the card.
• The services are free of charge for the user.
• All bonuses, miles and cashback points for VTB 24 cardholders are credited in full.

Mobile payment systems

Contactless payment technology is based on the miniature size of a chip – an element of a standard plastic card. All information about the cardholder and account status is stored in this chip, and therefore it is easy to implement it in a wide variety of devices. Today, not only smartphones are common as a means of payment, but also smaller gadgets – bracelets, watches, key chains, rings.

For banking operations, most manufacturers of modern mobile technology use NFC chips.

Pay attention! NFC technology was introduced relatively recently, about 7 years ago. Therefore, owners of older smartphones need to first clarify whether there is an NFC chip on their device.

But even if a smartphone model does not support short-range communication technology, this is not a reason for despair, since the chip can be “sewn” into clothes or a gadget case.

The presence of only the NFC module does not solve the problem of contactless payments. You also need to install a special application on your smartphone that matches the constantly used device: Samsung Pay, Google Pay or Apple Pay.