Additional payment card: what is it for and how to get it

[Carding Forum]

If you have not yet come across such a tool as an additional payment card to your account, you can familiarize yourself with the basic facts about it in the article

Many banks offer to issue an additional payment card to the client's main account. There may be several reasons for this, and depending on this, the additional card can be issued in the name of the account holder or in the name of a trustee.

An additional card is useful for secure payments on the Internet. If you issue it for this purpose, then Internet payments on the main card can be blocked, then fraudsters will not be able to steal money from the account, even if they intercept the data on the main card. On the additional card, in turn, you can set a limit for all types of transactions.

You can also issue an additional card for trips abroad. Indeed, often while traveling, you may need cards of different payment systems, and it is impractical to open a separate account for this. In addition, in case of loss / theft of the main card, which in this case must be immediately blocked, the owner will still have access to his account.

Another popular reason for issuing an additional card is to provide access to your account for other family members. In this case, the husband / wife, children, elderly parents can use funds from your account, and you can see reports on all transactions in Internet banking or bank statements. If you wish, you can also set limits for cash withdrawal operations at ATMs or for online payments using an additional card. You can issue as many additional cards as you like, besides, such a solution for managing a family budget will be much more economical than opening new accounts.

Benefits of additional cards​

Additional cards are a popular banking product due to the benefits they provide.

1. You can issue cards of different payment systems to one account. This can be useful primarily for travelers.
2. You can issue additional cards for your relatives, which will allow you to control the financial condition of the child, provide access to funds for the spouse or parents.
3. At the same time, you can set a daily or monthly limit on an additional card for any type of operation.
4. You can top up your account in the same way as with the main card.
5. Saving on annual maintenance of separate accounts for all family members will be much more expensive than issuing additional cards.
6. All the "buns" that the bank provides on the main card will also be available to the holder of the additional card, since the cards are issued of the same class.

How and where to open an additional card to the account​

You can open an additional card at the bank where you have an account. Today, all the largest Ukrainian banks provide the service of issuing additional cards. Some provide this service free of charge. In such banks, you can get an additional card of another payment system. As already mentioned, all banks allow you to set limits on spending on an additional card.

You should also remember the basic rules for issuing an additional card to your account:

• You can apply for an additional card in your Internet bank or directly at a bank branch. The term for issuing a card is from 10 days.
• If the card is issued to a third party, then only this person will be able to pick up the card when it is ready.
• An additional card cannot exist without the main one, since it is issued to the accounts after it.
• The additional card is issued in the same class as the main card.

Thus, an additional card to an account provides a number of advantages for both the account holder and the holder of such a card. This is a banking tool that allows you to optimize family budget management, increase the financial literacy of children and secure online payments.