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 Bank¹
	- Card account currency RUR
	Debiting
	Operation currency RUR	R
	Operation currency USD	(U*B)
	Operation currency EUR	(E*D)
	Other²	(K*B)
	Crediting
	Operation currency RUR	R
	Operation currency USD	(U*A)
	Operation currency EUR	(E*C)
	Other³	(K*A)
	- Card account currency USD
	Debiting
	Operation currency RUR	(R/A)
	Operation currency USD	U
	Operation currency EUR	(E*D)/A
	Other⁴	K
	Crediting
	Operation currency RUR	(R/B)
	Operation currency USD	U
	Operation currency EUR	(E*C)/B
	Other⁵	K
	- Card account currency EUR
	Debiting
	Operation currency RUR	(R/C)
	Operation currency USD	(U*B)/C
	Operation currency EUR	E
	Other⁶	(K*B)/C
	Crediting
	Operation currency RUR	(R/D)
	Operation currency USD	(U*A)/D
	Operation currency EUR	E
	Other⁷	(K*A)/D

¹ 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.).

² 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
³ 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
⁴ 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
⁵ 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
⁶ 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
⁷ 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 OPERATIONS WITH BANK CARDS

CONTACTS