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		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.
	• 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 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
	• 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		No charge
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/MIR Deposit through the Bank ATM’s or cash offices		No charge
	• 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		No charge
	• 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/ MIR Deposit	RUB 50 000	Not applied to the operations with cards issued in the frame of salary projects
	• VISA Classic	RUB 150 000 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	RUB 300 000 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	RUB 500 000 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/MIR Deposit	RUB 300	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 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
	• 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		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 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
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 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