Tvoy Raschet

Debit card: what it is

A bank card you use to spend only your own money from your account. Unlike a credit card, it does not let you borrow from the bank (apart from a rare technical overdraft).

In Russian: Дебетовая карта·Debetovaya karta

Banks, deposits and payments Checked by the editorial team Checked: September 2026

In Russia, Kazakhstan and Belarus

Russia

Cards of the national payment system Mir work in Russia; pensions and most benefits must be paid to them. Money in a card account is insured by the ASV in the same way as deposits — up to 1.4 million ₽ per bank.

Kazakhstan

In Kazakhstan, debit cards are issued by second-tier banks; money in individuals' card accounts is guaranteed by the КФГД (with a lower limit than for savings deposits).

Belarus

Belarus has the national payment system BELKART; pensions and benefits are often paid to a card account.

This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.

Related terms

Credit cardA bank card that lets you pay with the bank's money up to a credit limit. If you repay within the grace period, no interest is charged; otherwise the rate is usually higher than on an ordinary loan.Mir cardRussia's national payment card. It works throughout Russia regardless of international card systems; pensions, benefits and other payments from the state budget must be paid to it.CashbackA part of the money you spent that a bank or shop returns to you after a purchase — in rubles to your account or as points. Usually 1–5%, more for some categories.Faster Payments SystemA Bank of Russia service for instant transfers between different banks by phone number and for paying in shops by QR code. Money arrives within seconds, at any time of day.Deposit insuranceA state guarantee: if a bank loses its licence, the Deposit Insurance Agency (ASV) pays the depositor back up to 1.4 million ₽ per bank, including interest.

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