4 OPERATIONS WITH BANK CARDS

№	Operation	Charge	Note
	Settlement service for users of MIR card accounts
4.1	Card account opening and card issue		No charge
4.2	Card account minimum balance		None
4.3	Card account minimum initial deposit (to be made upon receiving a card)
	• MIR Social/MIR Deposit		No commission fee. This card is designed for receiving funds from the Russian federal budget/for payment of interests under the term deposit contract Your World. This type of account is denominated in Rubles only.
	• MIR Classic	RUB 300	This type of account is denominated in Rubles only.
	• MIR Privilege	RUB 2,500	This type of account is denominated in Rubles only.
4.4	Settlements on card transactions
	• MIR Social/MIR Deposit		No commission fee. This card is designed for receiving funds from the Russian federal budget/for payment of interests under the term deposit contract Your World. One card is issued for one deposit.
	• MIR Classic	RUB 300	Charged annually
	• MIR Privilege	RUB 2,500	Charged annually
4.5	Non-cash payments for goods and services by card		No charge
4.6	Conversion in case the transaction is made in a currency other than the card account currency		MIR cards – at the rate set by the MIR payment system on the settlement day
4.7	Cash delivery on MIR bank cards:
	• MIR Social/MIR Deposit through the Bank ATM’s or cash offices		No charge
	• MIR Classic through the Bank ATM’s or cash offices	0,3 % of the operation’s amount
	• MIR Privilege: in the Bank’s cash withdrawal offices and ATMs		No charge
	• via cash points and ATMs of other Mir member banks (outside of Russia)	1.3% RUB 150 minimum
	• via cash points and ATMs of other Mir 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/MIR Classic/ MIR Deposit	RUB 50 000	Not applied to the operations with cards issued in the frame of salary projects
	• MIR Privilege	RUB 150 000	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/MIR Deposit	RUB 300	Card shall be issued again with new validity term
	• MIR Privilege	RUB 2,500	Card is issued with a new validity term
4.11	Resuming of transactions on a card suspended due to change of the personal details of the holder (FIRST NAME, LAST NAME) on the card; resuming of transactions suspended due to a suspicion of the card`s details having been compromised.		No charge. Card will be issued with the same validity term.
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/ MIR Deposit	RUB 60	Charged monthly
	• MIR Privilege		No charge
	Receiving account statement in the Bank		No charge
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	Charged for each request
4.16	Provision of a mini statement in ATMs of other banks	RUB 30	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	Charged upon expiry of bank card
4.18	Limitations for Bank card transfers with use of other banks’ remote payment systems:
	• maximum amount of funds transfered by the Customer per day (24 hours) with use of the Card is 150 000 (one hundred fifty thousand) Rub., including commission fee.	Commission fee charged by service provider/other bank	Maximum amount established by service provider/other bank
	• maximum amount of all the Customer’s transfers through one Card per month is 600 000 (six hundred thousand) Rub.	Commission fee charged by service provider/other bank	Maximum amount established by service provider/other bank
	FOR REFERENCE
	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 MIR issued by the Bank¹
	- Card account currency RUR
	Debiting
	Operation currency RUR	R
	Other	(K*B)
	Crediting
	Operation currency RUR	R
	Other	(K*A)

¹ Note: the exchange rates are normally set in virtue of a separate internal Bank Ordinance. R –operation amount in Rubles; K – operation amount in the national currency of the MIR acquirer – applied to the operations performed through the MIR payment system; A – 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 - 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.

NEWS

4 TRANSACTIONS ON CASH CARDS

4 OPERATIONS WITH BANK CARDS

CONTACTS