Еврофинанс Моснарбанк - Кредиты, Ипотека, Депозиты, Сейфовые ячейки, Финансирование, China UnionPay...

4 TRANSACTIONS WITH INTERNATIONAL PAYMENT CARDS

№

Operation

Charge

Note

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)

• 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

• 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

at the Bank’s rate

4.7

Cash withdrawal using Visa:

• in the Bank’s cash withdrawal offices and ATMs

0.3% of transaction 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)

• 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

• 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:

• 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

• 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

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 issued by the Bank²

- Card account currency RUR

Debiting

Operation currency RUR

Operation currency USD

(U*B)

Operation currency EUR

(E*D)

Other³

(K*B)

Crediting

Operation currency RUR

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

Operation currency EUR

(E*D)/A

Other⁵

Crediting

Operation currency RUR

(R/B)

Operation currency USD

Operation currency EUR

(E*C)/B

Other⁶

- Card account currency EUR

Debiting

Operation currency RUR

(R/C)

Operation currency USD

(U*B)/C

Operation currency EUR

Other⁷

(K*B)/C

Crediting

Operation currency RUR

(R/D)

Operation currency USD

(U*A)/D

Operation currency EUR

Other⁸

(K*A)/D

Currency rates are established by virtue of a separate internal Order. R – operation amount in Rubles; U – operation amount in US Dollars; E- operation amount in Euro; K – operation amount converted to US Dollars using the exchange rate of the payment system Visa; A –buying (Rub.) U.S. Dollar; B –selling (Rub.) U.S. Dollar; C –buying (Rub.) Euro; D –selling (Rub.) Euro.

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

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

NEWS

4 TRANSACTIONS ON INTERNATIONAL CASH CARDS

4 TRANSACTIONS WITH INTERNATIONAL PAYMENT CARDS

CONTACTS