transfers to other Home Credit bank's accounts using templates created in the Internet Bank (only available for holders of a debit card); transfers to other bank's accounts using templates created in the Internet bank (only available for holders of a debit card); external card-to-card transfers (only available for holders of a debit card); utility payments (communication services, utility payments, television, payment systems, insurance etc.). You can use the payment templates you’ve created in the Internet Bank or simply repeat it from payment history. Payments are available for both debit and credit card holders;