|
Settlement service for users of VISA/Mir card accounts
|
4.1
|
Card account opening and card issue
|
|
4.2
|
Card account minimum balance
|
|
4.3
|
Card account minimum initial deposit (to be made upon receiving a card)
|
|
• Mir Social
|
|
|
• Mir Classic
|
300 Rub.
|
|
• 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
|
|
|
• Mir Classic
|
300 Rub.
|
|
• Visa Classic
|
RUB 700 or equivalent value in account currency at the rate of the Central Bank of Russia
|
|
• Visa Gold
|
RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia
|
|
• Visa Platinum
|
RUB 5,000 or equivalent value in account currency at the rate of the Central Bank of Russia
|
4.5
|
Non-cash payments for goods and services by card
|
|
4.6
|
Conversion in case the transaction is made in a currency other than the card account currency
|
|
4.7
|
Cash delivery on VISA/Mir bank cards:
|
|
• Mir Social through the Bank ATM’s or cash offices
|
|
|
• 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
|
|
|
• 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.
|
|
• VISA Classic
|
150 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia
|
|
• VISA Gold
|
300 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia
|
|
• VISA Platinum
|
500 000 RUB or its equivalent in the account currency, according to the exchange rate of the Bank of Russia
|
4.9
|
Penalty interest charged on overspent amount on the card account (unauthorized overdraft)
|
36% per annum
|
4.10
|
Resuming settlements on card transactions suspended due to card damage/loss or loss of PIN:
|
|
|
• Mir Social/Classic
|
300 Rub.
|
|
• Visa Classic
|
RUB 700 or equivalent value in account currency at the rate of the Central Bank of Russia
|
|
• Visa Gold
|
RUB 3,000 or equivalent value in account currency at the rate of the Central Bank of Russia
|
|
• Visa Platinum
|
RUB 5,000 or equivalent value in account currency at the rate of the Central Bank of Russia
|
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
|
|
4.12
|
Urgent start/resume of settlements on card transactions (to be charged additionally)
|
RUB 1,500
|
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.)
|
|
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.
|
|
• Visa Classic
|
RUB 60 or equivalent value in account currency at the rate of the Central Bank of Russia
|
|
• Visa Gold, Visa Platinum
|
|
|
• Receiving account statement in the Bank
|
|
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
|
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
|
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
|
|
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
|
|
• Gold
|
USD/EUR 700
|
|
• Platinum
|
USD/EUR 700
|
|
• Centurion
|
USD/EUR 7 000
|
|
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
|