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Generation Map

The Generation card was issued in honor of the bank's 25th anniversary. A very unusual solution was demonstrated in the imprinting of the card, which is characterized by creativity - a vertical arrangement, as opposed to the now familiar - horizontal.

Here is the official promotional video of the Generation card presented by Ak Bars Bank:


Brief on the debit card "Generation" from "Ak Bars Bank (ABB)":

MasterCard World (payment system master card, map status World);
- name card;
- the possibility of obtaining an additional card - 400 rubles. (up to 4 pieces per passport);
- with contactless payment (PayPass);
- the validity period of the card is 3 years;
- support for contactless payments using a phone using NFC technology: Apple Pay, Google Pay, Samsung Pay;
- fairly wide geography, the card is presented in 68 regions of the Russian Federation (all branches where the Bank is present) information from 06/01/2018;
- monthly maintenance fee - 149 rubles. (per year it turns out 1788 rubles.) with a turnover of less than 15,000 rubles / month.

Q: If there is no money on the account for the whole month, will the card go into negative territory or will the service fee be automatically charged when the money arrives?
A: According to the experience of users of other cards of Ak Bars Bank - yes, the card goes into negative territory, but only in the amount of the monthly fee. No interest will be charged on this debt.

free free ).
IMPORTANT! Without SMS-info, 3DS codes do not come (for example, when registering TC "Fuel Truck"

For cards issued by PJSC "AK BARS" BANK, the availability of 3DSecure technology is guaranteed when the "SMS-Informator" service from PJSC "AK BARS" BANK is activated.

There is a cross-border ruble:

The amount of the transaction made in Euros or US dollars is converted into the currency
bank account of the card at the rate of the Bank on the day of debiting from the bank account of the card.

When making transactions with Visa/Mastercard cards in a currency other than Russian rubles and US dollars, an additional commission for the conversion is charged to the amount debited from the bank account of the card in the amount of 1.25% from the transaction amount.

Thus, the conversion of Rubles into Dollars takes place at the rate of the Bank. This course can be found at the bottom of the main page. Purchases in another currency, even Euro will be with a commission of 1.25% of the transaction amount.
- BONUS! Provision of the “Convenient travel pass” service for residents of Kazan, Zelenodolsk, Naberezhnye Chelny, Almetyevsk and Nizhnekamsk in the form of an opportunity to pay for travel by card using contactless payment technology in public transport (money is debited from a bank card). The discount is valid for ETK tariffs.

Q: What needs to be done to make the card work as a travel card in Kazan?
A: As a rule, it is connected automatically, but if this function does not work, then you can connect it at an ATM (Convenient Travel Service).

Free service:

on turnover at least 15,000 rubles / month (even those operations for which cashback is not given are included in the turnover, for example, MCC 4900 (housing and communal services), MCC 4814 (mobile communications).
in others, the monthly service fee will be - 149 rubles. (per year it turns out 1788 rubles.)

Interest accrued on the balance, % per annum:

5% per annum on the balance before 100 000 rub. (If the balance of the account is at least 1 day equal to 0 rubles, then no interest will be accrued for the entire billing period)
0% per annum on the balance over 100 000 rub.
IMPORTANT! The accrual of % on the balance depends on the turnover:

The accrual of interest on the balance in the amount of 5% is carried out only if the Client has a total volume of transactions for payment for goods and services produced per month in trade and service enterprises in the amount of at least 15,000 rubles. In the event that the total volume of purchases of goods and services in trade and service enterprises for a month is less than 15,000 rubles, no interest is accrued on the balance. (clause 4.4.6. General conditions for issuing and servicing cards).

Cash back:

Cashback is credited in rubles;
Cashback accrual is not tied to monthly turnover;
There are no rounding up or down. There is a rounding down to the nearest multiple of 100 rubles. Rounding can be avoided with Convenient Travel or with MCC 4131 (Regular Passenger Coach Service);
The maximum possible amount of accrued "Cash Back" is 1500 RUB/month(since 01.09.2018) 1000 RUB/month(since 01.11.2018) for category "Transport"(10% category) and4,000 rubles/month for other categories (everything that is in excess of the monthly limit goes to hell);
It is considered the cashback for the operations performed (those that left the hold) in the billing period. Operations exit from HOLD after 3-4 days on average;
Cashback is credited at the end of the billing period (calendar month), most often this is the last day of the month after 19:00, most often between 21:00 - 22:00 (Moscow time);

- 10% cashback in the "Transport" category
- 5% cashback in the "Entertainment" category
- 1% cashback for everything else;
Also, Ak Bars Bank offers its own cashback service with up to 17% return _https://mp.akbars.ru/cashback/

The categories of increased cashback include:
category "Transport" with 10% cashback for the following MCCs:
4131 - Regular passenger bus services
4111 - Suburban and local passenger transportation, including electric trains, fixed-route taxis
4112 - Intercity and international passenger rail transportation (changes from 11/01/2018, this MCC was removed from the 10% bonus)
4121 - Limousines and taxis
4784 - Toll roads, bridges, highways
5013 - Auto parts (changes from 11/01/2018, this MCC was removed from the 10% bonus)
5531 - Various household and automotive products
5533 - Car parts and accessories (changes since 09/01/2018, this MCC was removed from the 10% bonus)
5541 - Sale of fuel, related products and services at gas stations
5542 - Automated gas station
5983 - Fuel - coal, oil, liquefied gas, firewood
7523 - Parking lots and garages
7542 - Car wash (changes from 11/01/2018, this MCC was removed from the 10% bonus)
7549 - Tow truck services

List of gas stations where there is a cashback on the Generation card of Ak Bars Bank:
The list of gas stations is quite wide, this includes both large networks and small points:

  • Lukoil
  • Shell
  • Gazprom
  • Neste
  • Gazpromneft
  • Rosneft
  • TAT-Oil
  • Oil pipeline
  • Gazenergo
  • NK Alliance
  • Gas station Formula (Yalta)
  • gas station track
- Often 5531 and 5533 are used, for example, in the popular auto parts store "Exist" (for online payment).
- With the Autodoc auto parts store, there may be problems in bonuses when paying online, because there is 7538 MCC code with 1% cashback (instead of 5533, for which they give 10%), but not always (5533 can be found at the checkout , apparently there is a dependence on the city). In this case, bonuses can be received when paying at the checkout of the Avtodoc store. In Moscow, low cash MCC (7538) is often found at the box office.

Also, regarding "Autodoc":

I flagged Avtodoc in Kazan - MCC 5533, that is, with 10% porridge. Let's see with what MCC the actual purchase operation went.
I paid through Sberbank acquiring, through Yandex acquiring gives MCC 7538, that is, without 10% porridge.

How to choose acquiring?

It will be visible on the side when paying. The entire first line - Sberbank - I had MCC 5533 when paying with MasterCard Tinkoff.
In the second line - acquiring Ya.Money - I have MCC 7538.

And in general, when you hover over the icons, you can see who is acquiring.


- For replenishment of the "Western High-Speed ​​Diameter" (WHSD in St. Petersburg), 10% cashback is poured using the MCC code 4784.
- But carsharing, unfortunately, remained outside the bonus program (MCC 7512). Except Delimobil (MCC 4121) and in some cases BelkaCar (MCC 4121).
- There are also Taxi, for which they pour only 1%, for example "Maxim" (MCC 4789).

Q: Is the Moscow Metro included in 10% cashback?
A: Yes, for paying for the Metro (MCC 4111) in Moscow they give 10% on the Generation card.

The St. Petersburg metro has a slightly different system: the kosher MCC 4111 will be at the cashier and in the terminal, but if you replenish Plantain through the metro’s website, it issues MCC 4789 (will not give 10% of KB), where the issuer of the transaction is MobiMoney.

Entertainment category with 5% cashback with the following MCCs (unfortunately catering is not included here):
5971 - Art galleries and dealers
5972 - Philatelic and numismatic stores
5970 - Articles for artists and other types of creative work
7829 - Production and distribution of motion pictures
7832 - Cinemas
7841 - Streaming services, online cinemas
7911 - Dance halls, schools, studios
7922 - Ticket offices, theatrical production agencies
7929 - Music groups, orchestras and other entertainment services
7932 - Billiard rooms
7933 - Bowling
7941 - Sports fields, commercial sports, professional sports clubs, sports promoters
7991 - Tourist attractions and exhibitions
7993 - Video game accessories
7994 - Video game clubs
7996 - Amusement parks, circuses
7998 - Aquariums, dolphinariums, oceanariums

Surprisingly on the list of exceptions not included MCC 6300 - "Insurance", which is nice. I would also like to note that operations from the list of exceptions are not included in the total expenses for the condition of free and interest on the balance (these expenses do not count towards 15,000 rubles).


Q: Where can I see the MCC transaction code on this card?
A: At the moment, there are only two ways: either connect mini-statements in the Internet bank (weekly receipt of a letter by mail), or you can get information using the MCC code in the bank's chat, which is fixed in the mobile application. On the phone, on the bank's hotline, they refuse to provide the MCC operation code.


How can I check cashback accruals on the card?
Pretty simple. You need to connect a weekly statement to your e-mail (it connects in the Internet bank and is free for six months, this is described below), which will receive all the transactions for the week (with MCC codes and spending amounts). From 4 such statements, there will be a month of using the card, where using a calculator it is easy to calculate the monthly amount of cashback for r / p.

Working with TC "Benzovoz":

Without SMS-info, 3DS codes do not come (for example, when registering TC "Fuel Truck" or its replenishment through the website of the Fuel Truck, but through ATMs of the MKB SMS will not be required).

There have been statements that payment for TC "Benzovoz" with the "Generation" card through the site of Benzovoz passes without 3DS requests:

Upon receipt of the card, I immediately turned off the SMS, at the ATM I received a printout with 20 one-time confirmation codes. I just topped up a fuel truck on the site, though for a test amount of 162 rubles, I didn’t ask for any code, the top-up was successful.

Working with the Yandex.Fueling service:

1) Linking the card to the Ya.Z service through the application (at least on android) can be unstable and an error pops up due to the lack of 3DS, despite the fact that SMS informing is connected when receiving the card.
2) If an error occurs with linking through the application, then it is best to link / unlink cards from the Yandex.Money service (that is, through the site, not the application). This can happen not only with Ak Bars Bank cards.

Receipt:

Free receipt of the card, including free reissue after the expiration of the card;
Paid reissue in the following cases: in case of loss/damage of the main/additional card and/or PIN-code, change of the client's full name;
Registration is carried out either at bank branches, or by leaving an application on the website;
The card is made up to 10 working days;
Sometimes they may impose additional services (most often insurance), so carefully study the documents for signature;
How to act in case forced forcing insurance:

With the imposition of insurance, I received Evolution at ABB at one time. Marinka was by the name of Velikaya and behaved accordingly, no oral arguments helped. I called at the marinka on the GL, on the GL they freaked out, they said that no insurance could be imposed. She offered to hand over the phone to the marinka, let the GL explain it to them herself. Marinka Borzo replied that she was not going to talk to anyone and everything was parallel to her. I went to the head of the DO, she said that they have everything in parallel, but I can write a claim, it will be considered for 30 days and it is not known what they will decide. She wrote, referred to a violation of the provisions of the Civil Code of the Russian Federation, prohibiting conditional on the receipt of one service by the obligatory purchase of another paid service. Notified about the desire to apply to Rospotrebnadzor, the prosecutor's office and other supervisory and regulatory authorities.

I don’t remember exactly, about 3 weeks later the answer came that the claim was satisfied and I could just get a card, and it was given as a great favor to me personally and the mercy of the bank.

A month later, my husband went to get it - all over again. At the stage of writing a claim, the Marinka themselves honestly said - you order a card through the site and we will issue it, we will not go anywhere. And if you make out in our department, we will fill you with insurance. Designed on the site, issued already quietly. Another relative made out later on the site - the flight is normal. There are a lot of customer complaints about ABB here about this, but the bank is happy with everything.


Documents to be submitted for signing:
1. Application for opening a card account and issuing a card.
2. Application-questionnaire for joining the rules of the "AK Bars Online" service.
3. Application for setting a code word.
4. Comprehensive banking service agreement.
IMPORTANT! After receiving the card, do not forget to ask to connect the DCBO (comprehensive banking service agreement).
After issuing the card, it immediately becomes active (do not forget to make the first payment with a chip by inserting the card into the terminal to activate PayPass);
After some time, you will receive an SMS that Internet banking is connected, and they will also give you a login and password (after which it is recommended to log in to winter Internet banking and change the temporary password, you can also change the login in Internet banking if you wish).


Quality of card materials and payment by phone:

Users are not very flattering about the quality of the paint and the plastic itself, recommending that after receiving the card, immediately link it to Apple Pay, Google Pay or Samsung Pay. But paying by phone sometimes gives errors:

Today I went to the gas station to test a new card. Linked to Apple Pay, tried to pay ... Error 128, The operation is prohibited by the host or card. Refusal. Timeout from the card issuer, please try again. I tried several times, unfortunately it didn't work. I had to pay with another card...


SMS informing:

- paid SMS-informing - 59 rubles / month. (first two months - free UPD: 06/23/2018 the first month - free ).
IMPORTANT! Without SMS-info, 3DS codes do not come (for example, when registering TC "Fuel Truck" or its replenishment through the website of the Fuel Truck, but through ATMs of the MKB SMS will not be required). SMS-informing is required for registration in the Internet bank, for logging into it and for online purchases. According to the operator on the hotline, you can connect / disconnect at any branch of the bank.

In principle, you can use the services of the bank without SMS-info, guided by the following steps:
1) At the beginning (while SMS is free for a month), immediately connect the Internet bank and mobile bank (there are two versions: Ak Bars 3.0 and the “old version” of Ak Bars online - use whichever is more convenient for you);
2) Closer to the end of the month, turn off the paid SMS package;
3) After that, you will no longer need an Internet bank, since you can safely use only a mobile bank (and without SMS and without passwords from an ATM).
4) But if suddenly you still need to go to the Internet bank, then print out the passwords at the ATM (usually enough for a long time). About passwords from an ATM is written below.

PIN code change:

The cost of the service in own ATMs is 50 rubles;
Free of charge at ATMs of UBRD Bank (Ural Bank for Reconstruction and Development), PSB (Promsvyazbank) - debiting occurs later, so the PIN-Code change service is not free in any case.
Balance request at third-party ATMs - 20 rubles / operation.

Have experience free changing the PIN-code in the native ATM of "Ak Bars" Bank, but with a zero balance:

I changed the PIN code at the Ak Barsa ATM, because the card had 0, nothing was debited either during the change of the pin, or 2 weeks after.

Replenishment:

Replenishment through the cash desk of Ak Bars bank passes without commission;
Through the terminal / ATM of Ak Bars Bank, you can also replenish up to 15,000 rubles at a time without commission.

Translations:

- contraction without commission, but for this you need to connect SMS-informing;
- when replenishing the "Generation" card by pulling on the Ak Bars bank website ( not in private) from any other card there will be no commission;
- paid interbank (transfer takes 2 days) - 1% of the transfer amount, min. 30 rubles;
What to prepare for with the incoming interbank market?

Everything is complicated with the incoming interbank in ABB. Interbank from Tinkov directly to the Evolution account (another Ak Bars Bank card) was rejected by Akbars. Interbank to a consolidated account safely left Tinkov, never appeared in Akbars. The GL on this occasion does not accept applications and claims, sends an appeal to technical support on the site. Technical support does not answer at all, GL again sends to technical support. Deaf as in a tank. On a request to search for a translation, initiated by Tinkov at my request, Akbars did not answer. The money was never found. Perhaps something will be better with Generation in this regard, but, in my experience, the bank consists of only shoals and there is no work with shoals at all. So be careful, I recommend first testing for 10 rubles.

C2c transfer 75,000 rubles / at a time;
- free of charge from the card of any bank (make sure that the sender's bank does not charge commissions for this operation) to the card of Ak Bars Bank through the akbars.ru website with the following limits (credit is instant):
140 000 rub. at a time
300 000 rub. per day,
1.5 million rubles per month.
- free of charge to the Bank's card from the accounts of any individuals. resident persons;
- free of charge to the Bank's card from the accounts of legal entities. persons upon receipt of wages (If the legal entity has a salary agreement with PJSC "AK BARS" BANK.);
- commission from 1% to 10% depending on the amount of transfer from the accounts of legal entities with other receipts;

Addition: the account of Ak Bars Bank is replenished instantly.

Withdrawal:

- 150,000 rubles. daily limit at ATMs of the Bank and third-party banks (for withdrawals over the daily limit, the commission will be 1-10% - depending on the amount);
- 750,000 rubles. monthly limit in ATMs of the Bank and third-party banks;

150 000 rub. daily limit at the cash desks of the Bank and third-party banks (for withdrawals over the daily limit, the commission will be 1-10% - depending on the amount);
- 750,000 rubles. monthly limit at the cash desks of the Bank and third-party banks.

Commission of Ak Bars Bank for receiving cash from third-party ATMs:
up to 50,000 rubles per month - not charged (On the territory of the Russian Federation);
from 50 000 rub. per month - 1% of the amount, at least 100 rubles. (On the territory of the Russian Federation);
from 50 000 rub. per month - 1% of the amount, at least 5 USD (outside the territory of the Russian Federation).

Commission of Ak Bars Bank for receiving cash at third-party cash desks:
1% of the amount, minimum 5 Euro.

Emergency Cash Out Abroad - $200
Emergency card replacement abroad - $280

Balance request at other people's ATMs - 20 rubles / operation.

Internet bank:

To enter the Internet bank, you will need to register in it, and for this you need to activate an SMS package (the first month is free). If you do not want to use the SMS package at all, then after registration you can immediately disable it, and to enter the Internet bank you can take checks from ATMs (it is a pity to immediately print out the list of passwords).

Q: I entered the mobile bank using my card number, but I can't figure out what my login is?
A: You need to go to "change login", that's where the old login will be visible.

What are ATM passwords?
One-time passwords are printed out at the Ak Bars ATM of the Bank - these are eight numbers and letters, 20 passwords are issued on a check. When printing the next check, passwords from the previous one (even unused ones) canceled. They are meant only for transactions in your personal account, namely:
- transfers from card to card;
- pay for the service;
- recover the password to your personal account.
It is also important to note that the check fades very quickly, and the codes become difficult to read.

Ability to set individual limits for various operations, for example:
- on the amount of purchases per day / month
- cash withdrawals, etc.

It is not possible to see the MCC codes of operations (only belonging to one category or another is visible, while on the hotline MCC codes for operations do not provide at Ak Bars bank).

In the Internet Bank, if desired, you can disable two-level identification so that you do not receive SMS when entering the Internet Bank.

In the settings of the Internet bank, you can connect a mini-statement to e-mail ( first six months free, as written in the document “You can read the instructions for connecting to this service by clicking on the link.”), which will be sent to your email on a weekly basis (if SMS notification is disabled, you will need a password from the check to connect the statement):

Connection: We go to the Internet bank ---> Settings---> Weekly e-mail statements and the service "EasyFinance"

Statements come in this form:
06/13/2018;WHSD NORTH;4784;-100
06/13/2018;TOK RAYS LLC;5812;-1184
06/13/2018;AZS-265;5541;-1499.6
06/13/2018;ZAYMEMSYA KOFE;5812;-550
06/13/2018;KHACHAPURI I VINO;5812;-995
06/15/2018;Benzovoz;5541;-1050
06/16/2018;ABB WB;6536;1000
06/16/2018;TROIKA;4111;-134
06/18/2018;ABB WB;6536;1500
06/18/2018;Benzovoz;5541;-1500
06/18/2018;Benzovoz;5541;-800
06/18/2018;AK BARS online;6536;2000
06/19/2018;ABB WB;6536;3000
06/19/2018;RZD.RU;4112;-2157.7
06/20/2018;AK BARS online;6536;1000
06/20/2018;AK BARS online;6536;3500

A regular statement in the Internet Bank can be generated for any date, including the previous month or even a year. The statement specifically shows the date of authorization of the operation and the date of debiting.

Statements come once a week on Fridays. All you have to do is enter your e-mail address in the corresponding field of the Internet bank.

How much does the annual card maintenance cost?

Card service is free if you spend from 15,000 rubles per month. Only actual purchases in trade and service enterprises are taken into account here. That is, for example, payment for housing and communal services, kindergarten, operations in Ak Bars Online will not be taken into account. If this condition is not met, then the fee will be 149 rubles per month.

I ordered a card that week, but no one called me back. When will my card be ready?

The issuance of the card takes 10 working days, the start of issuance is June 1. After filling out the application, a bank employee will contact you and inform you of the estimated time for receiving the card. There are a lot of applications, and they are all processed in order of priority.

How to replenish the card without commission?

You can replenish the card without commission with cards of third-party banks on our website through a convenient p2p transfer service.
You can make a transfer from Ak Bars Bank cards through Ak Bars Online in the "Payments" section, as well as at any ATM or information kiosk.

How old do you have to be to get a card?

From the age of 14, but written parental consent is required.

Is it possible to issue a card in Irkutsk/Ryazan/Volgograd?

You can apply for a card anywhere where there is a branch of Ak Bars Bank. You can find a list of all cities where the bank has a presence on the website.

How to get an increased cashback of 10% in the "Transport" category?

  • Regular passenger bus transportation
  • Suburban and local passenger transportation, including electric trains, fixed-route taxis
  • Intercity and international passenger rail transportation
  • Limousines and taxis
  • Toll roads, bridges, highways
  • auto parts
  • Various goods for home and cars
  • Automotive parts and accessories
  • Sale of fuel, related products and services at gas stations
  • Automated gas station
  • Fuel - coal, oil, liquefied gas, firewood
  • Parking lots and garages
  • car wash
  • Tow truck services

How to get an increased cashback of 5% in the "Entertainment" category?

Make purchases with the card in any of the categories:
  • Art galleries and dealers
  • Philatelic and numismatic stores
  • Goods for artists and other types of creativity
  • Film production and distribution
  • Cinemas
  • Streaming services, online cinemas
  • Dance halls, schools, studios
  • Ticket offices, theater production agencies
  • Music groups, orchestras and other entertainment services
  • Billiard rooms
  • Bowling
  • Sports fields, commercial sports, professional sports clubs, sports promoters
  • Tourist attractions and exhibitions
  • Video game accessories
  • Video game clubs
  • Amusement parks, circuses
  • Aquariums, dolphinariums, oceanariums

Is there an increased cashback for purchases in online stores?

Yes, it's charged.

Why cashback NOT accrued?

Cashback is not credited for the following card transactions:
  • housing and communal services
  • kindergarten
  • mortgage
  • taxes
  • traffic police fines
  • any payments through the State Services of the Russian Federation/RT
  • any operations in Ak Bars Online, for example, transferring money to a friend or replenishing the phone balance

When and in what form is cashback credited?

Cashback is credited on the last calendar day of the month in rubles to your card. Accrual is usually accompanied by SMS. If you do not have SMS notification connected, you can find out all the information about cashback in Ak Bars Online.
Only confirmed purchases for which a financial document has been received from the seller are included in the cashback calculation. If you made transactions at the end of the month, they may not get into the cashback. They will take into account next month.

What is the maximum cashback amount I will receive?

The maximum amount of cashback that you can receive in a year is 48,000 rubles or 4,000 rubles per month.

How can I get even more cashback?

You can get up to 17% cashback if you use our cashback service. It provides increased cashback for purchases from partners. You get a double benefit, because the cashback on Generation/Evolution cards and the cashback of our service are summed up.

What are the cash withdrawal limits?

You can withdraw 150,000 rubles per day at ATMs of the bank and third-party banks, as well as 150,000 rubles per day at the cash desks of the bank and third-party banks. The monthly limit for withdrawing cash from ATMs is 750,000 rubles, at the box office - 750,000 rubles.
When withdrawing cash from ATMs of Ak Bars Bank, no commission is charged. You can also withdraw up to 50,000 rubles per month without commission at absolutely any ATM of third-party banks in Russia.

What should I do to get 5% on the card balance?

On the day of receipt of the card, replenish it in the amount of up to 100,000 ? and maintain an account balance of no more than 100,000 ? within a calendar month, and also make a total volume of transactions for payment for goods and services in the amount of at least 15,000 ? per month.

Can I pay for public transport with Ak Bars Generation card?

Yes, you can use your card to pay for public transport in the following cities: Kazan, Zelenodolsk, Naberezhnye Chelny, Almetyevsk and Nizhnekamsk. The discount applies to ETK tariffs.

Some inconvenience:

Due to the unusual location of the inscriptions on the card, neither Samsung Pay, nor Apple Pay, nor AkBars online can count the data on the surface of the card. In this connection, you will have to manually enter, or there is an alternative - in the Ak Bars Bank mobile application, you can link the card with one touch.
Cash at an ATM only one by one bill.