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
	- at the setting of tariffs for cash withdrawal from the Bank issued cards in the amounts specified in the paragraph 5 of the numeral 14.2.2.2	0,65% of the amount of transfer to the card account	Applied to all legal persons regardless of the payroll’s amount and quantity of employees, as well as to legal persons which pay salaries from the Russian budget, transferring funds to the MIR Social bank cards
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/Mir Classic/Mir Social		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/ Mir 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 and/or Mir member banks (in Russia)	0,65% of the operation amount	charged for each cash withdrawal transaction
	- through the Visa and/or Mir member bank ATM’s and cash offices situated outside of or in Russia, on the assumption that the transfer from the legal person’s account to the card account is performed in accordance with tariff specified in the paragraph 2 pf the numeral 14.2.1.1		cost of this service is included in the commission fee charged for transfers from the legal person’s account in the frame of salary projects
	- through the Visa/Mir member bank ATM’s and cash offices situated in Russia, on the assumption that the transfer from the legal person’s account to the card account is performed in accordance with tariff specified in the paragraph 3 pf the numeral 14.2.1.1		Cost of this service is included in the commission fee charged for transfers from the legal person’s account in the frame of salary projects
	- through the national payment system member associated with Mir ATM’s and cash offices, on the assumption that the transfer from the legal person’s account to the card account is performed in accordance with tariff specified in the paragraph 3 pf the numeral 14.2.1.1		Cost of this service is included in the commission fee charged for transfers from the legal person’s account in the frame of salary projects
14.2.2.3	Resuming settlements on card transactions suspended due to card damage/loss or loss of PIN:
	- Mir Social		cost of this service is included in the commission fee charged for transfers from the legal person’s account in the frame of salary projects
	- Visa Classic/Mir 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/Mir Social/Mir Classic	RUB 60	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
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.

NEWS

14 INTERNATIONAL BANK CARDS OPERATIONS

14 TRANSACTIONS WITH INTERNATIONAL BANK CARDS

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