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NEWS


14 INTERNATIONAL BANK CARDS OPERATIONS

14 TRANSACTIONS WITH INTERNATIONAL BANK CARDS

Operation Charge Note
14.1 Terms of service for corporate bank card accounts (card accounts of legal entities)
14.1.1 Card account opening and card issue cost of this service is included in the commission fee for settlements on bank card transactions during the year
14.1.2 Settlements on bank card transactions for a year for each card issued to the following accounts:
• Visa Business RUB 1,500 or equivalent value in account currency at the rate of the Central Bank of Russia charged annually; in case of issue of a new card or reissue upon expiry of the card
• Visa Gold RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia charged annually; in case of issue of a new card or reissue upon expiry of the card
• VISA Platinum RUB 5,000 or equivalent value in account currency at the rate of the Central Bank of Russia charged annually; in case of issue of a new card or reissue upon expiry of the card
14.1.3 Minimum initial deposit on card account for each card issued to the following accounts:
• Visa Business RUB 15,000 or equivalent value in account currency at the rate of the Central Bank of Russia
• Visa Gold RUB 60,000 or equivalent value in account currency at the rate of the Central Bank of Russia
• VISA Platinum RUB 100,000 or equivalent value in account currency at the rate of the Central Bank of Russia
14.1.4 Non-cash payment for goods and services using cards cost of this service is included in the commission fee for settlements on bank card transactions during the year
14.1.5 Conversion in case the transaction is made in a currency other than the card account currency at the Bank’s rate
14.1.6 Cash withdrawal:
• in the Bank’s cash withdrawal offices and ATMs 1% of transaction amount
• in cash withdrawal offices and ATMs of other banks using Visa cards 2% of transaction amount, RUB 150 minimum
14.1.7 Interest accrued on account balance none
14.1.8 Penalty interest charged on overspent amount on the card account (unauthorized overdraft) 36% per annum
14.1.9 Resuming settlements on card transactions suspended due to card damage/loss or loss of PIN card is reissued with the previous validity term or with a new validity term at the organization’s choice
• Resuming settlements on card transactions suspended due to card damage/loss or loss of PIN RUB 1,000 or equivalent value in account currency at the rate of the Central Bank of Russia card is reissued with the previous validity term within 5 business days
• Visa Business RUB 1,500 or equivalent value in account currency at the rate of the Central Bank of Russia card is reissued with a new validity term within 5 business days
• Visa Gold RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia card is reissued with a new validity term within 5 business days
• VISA Platinum RUB 5,000 or equivalent value in account currency at the rate of the Central Bank of Russia card is reissued with a new validity term within 5 business days
14.1.10 Urgent start/resume of settlements on card transactions RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia within 2 business days (to be charged additionally)
14.1.11 Additional services (card blocking; adding a card to a stop list; payment protest and refund; request of a copy/original of a payment document, etc.) compensation for expenses actually incurred by the Bank in accordance with rates of payment systems
14.1.12 Provision of information about card transactions and cash balance available for card transactions:
14.1.12.1 To card holder’s mobile telephone number RUB 60 or equivalent value in account currency at the rate of the Central Bank of Russia fee is charged monthly
14.1.12.2 To card holder’s email address cost of this service is included in the commission fee for settlements on card transactions
14.1.12.3 Receiving account statement in the Bank cost of this service is included in the commission fee for settlements on card transactions
14.1.12.4 Provision of information about cash balance available for card transactions in case this information is requested in ATMs of other banks RUB 30 or equivalent value in account currency at the rate of the Central Bank of Russia charged for each request
14.1.12.5 Provision of a mini statement in ATMs of other banks RUB 30 or equivalent value in account currency at the rate of the Central Bank of Russia charged for each mini statement
14.1.13 Resuming settlements on card transactions due to change in card holder’s personal data (FIRST NAME, LAST NAME) and resuming settlements if card data are suspected to be compromised Card is issued with the previous validity term. Cost of this service is included in the commission fee for settlements on card transactions
14.1.14 Daily limits for cash collection through the ATMs and cash offices (from 00.00 to 23.59, Moscow time) 100 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia On each banking card daily
14.2 Terms of service for payroll program accounts as a part of a full service package for legal entities
14.2.1 Settlements in rubles following instruction of legal entities as a part of payroll program The rates may be agreed by the parties depending on average balances and turnover on a settlement account, account’s terms of service, payroll fund, number of employees, and cash withdrawal arrangements
14.2.1.1 Transfers from legal entity’s settlement account as a part of payroll program
      - in case the fees for cash withdrawal from Bank cards are established as indicated in paragraphs 1, 2, 3 of clause 14.2.2.2 0.3% of the amount transferred to card account may apply to all legal entities regardless of payroll fund size and number of employees
      - in case the fees for cash withdrawal from Bank cards are established as indicated in paragraph 4 of clause 14.2.2.2. 1% of the amount transferred to card account applies only to legal entities with a payroll fund of at least seven million (7,000,000) rubles and number of employees of at least 300 people
14.2.1.2 Annual maintenance fee of a legal entity’s settlement account as a part of payroll program for each card account opened for an employee of the legal entity, depending on the card type: annually
      - Visa Classic cost of this service is included in the commission fee for transfers from legal entity’s settlement account as a part of payroll program
      - Visa Gold RUB 1,500 charged annually; in case of issue of a new card or reissue upon expiry of the card
      - Visa Platinum RUB 3,000 charged annually; in case of issue of a new card or reissue upon expiry of the card
14.2.2 Maintenance fee for an employee’s card account as a part of payroll program cost of this service is included in the annual maintenance fee for a legal entity’s settlement account as a part of payroll program for each card account opened to an employee of the legal entity
14.2.2.1 Transaction settlements with principal bank card during the year cost of this service is included in the annual maintenance fee for a legal entity’s settlement account as a part of payroll program for each card account opened to an employee of the legal entity
14.2.2.2 Cash withdrawal:
      - in the Bank’s cash withdrawal offices and ATMs cost of this service is included in the commission fee for transfers from legal entity’s settlement account as a part of payroll program
      - via cash points and ATMs of other Visa member banks (outside of Russia) 1.3% of transaction amount, RUB 150 minimum charged for each cash withdrawal transaction
      - via cash points and ATMs of other Visa member banks (in Russia) 0,65% of the operation amount charged for each cash withdrawal transaction
      - in ATMs of any banks, provided that transfers from a legal entity’s account to a card account are made according to the rate established in paragraph 2 of clause 14.2.1.1. cost of this service is included in the commission fee for transfers from legal entity’s settlement account as a part of payroll program
14.2.2.3 Resuming settlements on card transactions suspended due to card damage/loss or loss of PIN:
      - Visa Classic RUB 200 card is issued with a new validity term
      - Visa Gold RUB 1,500 card is issued with a new validity term
      - Visa Platinum RUB 3,000 card is issued with a new validity term
14.2.2.4 Resuming settlements on card transactions due to change in card holder’s personal data (FIRST NAME, LAST NAME) and resuming settlements if card data are suspected to be compromised. Card is issued with the previous validity term. Cost of this service is included in the commission fee for settlements on card transactions
14.2.3 Penalty interest charged on overspent amount on the card account (unauthorized overdraft) 36% per annum charged in %% of an overspent amount for each day of overspending
14.2.4 Conversion in case the transaction is made in a currency other than the card account currency at the Bank’s rate
14.2.5 Additional services (card blocking; adding a card to a stop list; payment protest and refund; request of a copy/original of a payment document, etc.) compensation for expenses actually incurred by the Bank in accordance with rates of payment systems
14.2.6 Provision of information about card transactions and cash balance available for card transactions:
• To card holder’s mobile telephone number:
• Visa Classic RUB 60 charged monthly
• Visa Gold, Visa Platinum cost of this service is included in the commission fee for settlements on card transactions
• To card holder’s email address cost of this service is included in the commission fee for settlements on card transactions
• Receiving account statement in the Bank cost of this service is included in the commission fee for settlements on card transactions
14.2.7 Provision of information about cash balance available for card transactions in case this information is requested in ATMs of other banks RUB 30 charged for each request
14.2.7.1 Provision of a mini statement in ATMs of other banks RUB 30 charged for each mini statement
14.2.8 Annual account maintenance fee if no transactions using bank card were made during one year Account’s cash balance, RUB 700 maximum charged upon expiry of bank card
14.2.9 Lending terms for employees (settlement card with an authorized overdraft) Subject to supplementary agreements with the organization in case of full service package as a part of payroll program.



CONTACTS

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8-800-2008-600

Main office address:
29 Novy Arbat
Moscow 121099

Phone: +7 495 967 81 82
Fax: +7 495 967 81 33
E-mail: info@evrofinance.ru

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