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NEWS


4 TRANSACTIONS ON INTERNATIONAL CASH CARDS

4 OPERATIONS WITH BANK CARDS

Operation Charge Note
Settlement service for users of VISA/Mir card accounts
4.1 Card account opening and card issue cost of this service is included in the commission fee for settlements on card transactions
4.2 Card account minimum balance None
4.3 Card account minimum initial deposit (to be made upon receiving a card)
• Mir Social No commission fee. This card is designed for receiving funds from the Russian federal budget. This type of account is denominated in Rubles only.
• Mir Classic 300 Rub. This type of account is denominated in Rubles only.
• Visa Classic RUB 10,000 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
4.4 Settlements on card transactions
• Mir Social No commission fee. This card is designed for receiving funds from the Russian federal budget.
• Mir Classic 300 Rub. Charged annually
• Visa Classic RUB 700 or equivalent value in account currency at the rate of the Central Bank of Russia charged annually
• Visa Gold RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia charged annually
• Visa Platinum RUB 5,000 or equivalent value in account currency at the rate of the Central Bank of Russia charged annually
4.5 Non-cash payments for goods and services by card cost of this service is included in the commission fee for settlements on card transactions
4.6 Conversion in case the transaction is made in a currency other than the card account currency Visa cards - at the Bank’s rate Mir cards – at the rate set by the Mir payment system on the settlement day
4.7 Cash delivery on VISA/Mir bank cards:
• Mir Social through the Bank ATM’s or cash offices cost of this service is included in the commission fee charged for settlements with use of the card
• VISA Classic, Mir Classic through the Bank ATM’s or cash offices 0,3 % of the operation’s amount
• VISA Gold, VISA Platinum: in the Bank’s cash withdrawal offices and ATMs cost of this service is included in the commission fee for settlements on card transactions
• via cash points and ATMs of other Visa member banks (outside of Russia) 1.3% RUB 150 minimum
• via cash points and ATMs of other Visa member banks (in Russia) 0,65 % of the operation amount
4.8 Daily limits for cash collection through the ATMs and cash offices (from 00.00 to 23.59, Moscow time)
• Mir Social/Classic 50 000 Rub. Not applied to the operations with cards issued in the frame of salary projects
• VISA Classic 150 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia Not applied for operations with banking cards issued in the frame of salary projects
• VISA Gold 300 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia Not applied for operations with banking cards issued in the frame of salary projects
• VISA Platinum 500 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia Not applied for operations with banking cards issued in the frame of salary projects
4.9 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
4.10 Resuming settlements on card transactions suspended due to card damage/loss or loss of PIN: within 5 business days
• Mir Social/Classic 300 Rub. Card shall be issued again with new validity term
• Visa Classic RUB 700 or equivalent value in account currency at the rate of the Central Bank of Russia card is issued with a new validity term
• Visa Gold RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia card is issued with a new validity term
• Visa Platinum RUB 5,000 or equivalent value in account currency at the rate of the Central Bank of Russia card is issued with a new validity term
4.11 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
4.12 Urgent start/resume of settlements on card transactions (to be charged additionally) RUB 1,500 within 2 business days
4.13 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
4.14 Provision of information about card transactions and cash balance available for card transactions:
• To card holder’s mobile telephone number:
• Mir Social/Classic 60 Rub. Charged monthly
• Visa Classic RUB 60 or equivalent value in account currency at the rate of the Central Bank of Russia charged monthly
• Visa Gold, Visa Platinum 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
4.15 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
4.16 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
4.17 Annual account maintenance fee if no transactions using bank card were made during one year Account cash balance, maximum RUB 700 or equivalent value in account currency at the rate of the Central Bank of Russia charged upon expiry of bank card
FOR REFERENCE
American Express Rates
• Annual fee:
      - Personal (Green)
Principal USD/EUR 100
Additional USD/EUR 50
      - Gold
Principal USD/EUR 200
Additional USD/EUR 100
      - Platinum USD/EUR 400
      - Centurion USD/EUR 1 000
Cash withdrawal fee (Express Cash):
• in USD 4% USD/EUR 10 minimum
• in other currency 5% USD/EUR 10 minimum
Cash limit:
• Personal (Green) USD/EUR 300 every 7 days
• Gold USD/EUR 700 every 7 days
• Platinum USD/EUR 700 every 7 days
• Centurion USD/EUR 7 000 every 14 days
Conversion operations with international bank cards issued by Evrofinance Mosnarbank
• Calculation of debited or credited amounts in the course of effecting conversion operations with international cards Visa/Mir issued by the Bank2
      - Card account currency RUR
Debiting
Operation currency RUR R
Operation currency USD (U*B)
Operation currency EUR (E*D)
Other3 (K*B)
Crediting
Operation currency RUR R
Operation currency USD (U*A)
Operation currency EUR (E*C)
Other4 (K*A)
      - Card account currency USD
Debiting
Operation currency RUR (R/A)
Operation currency USD U
Operation currency EUR (E*D)/A
Other5 K
Crediting
Operation currency RUR (R/B)
Operation currency USD U
Operation currency EUR (E*C)/B
Other6 K
      - Card account currency EUR
Debiting
Operation currency RUR (R/C)
Operation currency USD (U*B)/C
Operation currency EUR E
Other7 (K*B)/C
Crediting
Operation currency RUR (R/D)
Operation currency USD (U*A)/D
Operation currency EUR E
Other8 (K*A)/D

2 Note: the exchange rates are normally set in virtue of a separate internal Bank Ordinance. R –operation amount in Rubles; U –operation amount in U.S. Dollars; E- operation amount in Euro; K – operation amount converted to the U.S Dollar at the VISA internal exchange rate – applied to the VISA only, or operation amount in the national currency of the Mir acquirer – applied to the operations performed through the Mir payment system; A – acquiring of U.S Dollar (through Rub.) at the VISA internal rate, applied to the VISA only or acquiring of Ruble (through national currency of the Mir acquirer) applied to the operations performed through the Mir payment system at the Mir rate; B - U.S. Dollar selling (through Rub.) - applied to the VISA only or selling (through national currency of the Mir acquirer) at the rate of Mir payment system for Mir cards, applied to the operations performed through the Mir payment system; C –acquiring of Euro (through Rub.); D – selling of Euro (through Rub.).
3 An additional conversion fee will be charged for operations effected outside of the Evrofinance Mosnarbank’s equiring network with use of Visa bank cards; 0,5% of the operation amount with use of Visa Platinum/Visa Business and 1,0% of the operation amount with use of Visa Classic/Visa Gold
4 In the case of cancelling trade operations effected outside of the Evrofinance Mosnarbank’s equiring network with use of Visa bank cards, the conversion fee mentioned above shall not be returned to the Customer’s account
5 An additional conversion fee will be charged for operations effected outside of the Evrofinance Mosnarbank’s equiring network with use of Visa bank cards; 0,5% of the operation amount with use of Visa Platinum/Visa Business and 1,0% of the operation amount with use of Visa Classic/Visa Gold
6 In the case of cancelling trade operations effected outside of the Evrofinance Mosnarbank’s equiring network with use of Visa bank cards, the conversion fee mentioned above shall not be returned to the Customer’s account
7 An additional conversion fee will be charged for operations effected outside of the Evrofinance Mosnarbank’s equiring network with use of Visa bank cards; 0,5% of the operation amount with use of Visa Platinum/Visa Business and 1,0% of the operation amount with use of Visa Classic/Visa Gold
8 In the case of cancelling trade operations effected outside of the Evrofinance Mosnarbank’s equiring network with use of Visa bank cards, the conversion fee mentioned above shall not be returned to the Customer’s account


CONTACTS

Client Support:
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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