Bank cards. General conditions for the issuance, maintenance and use of bank cards Rules for the issuance and maintenance of bank cards
General terms production, maintenance and use bank cards
Ufa 2011
1. INTRODUCTION
1.1. These General Conditions for the Issuance and Maintenance of Bank Cards (hereinafter referred to as the "Terms") determine the terms and conditions under which (hereinafter referred to as the "Bank") offers its customers bank debit cards, bank debit cards with credit limits, as well as other related services and products detailed below. Conditions, Tariffs for issuance and maintenance of plastic cards (hereinafter referred to as the "Tariffs") and each Application-Questionnaire for issuing a bank card, duly completed and signed by the client, whose name is indicated in the Application-Questionnaire (hereinafter referred to as the "Client"), and the Bank , collectively constitute an agreement on the issuance and maintenance of bank cards between the Client and the Bank (hereinafter referred to as the "Agreement").
1.2. The Terms govern the opening and maintenance by the Bank of a special card account (hereinafter referred to as the "SCS") opened in the name of the Client for carrying out transactions on it using bank cards (hereinafter referred to as the "Card"), as well as the provision of a credit line to the Client, the provision of all related services and products offered by the Bank to the Client. Certain types of related services and products may be offered by the Bank to the Client on the basis of a separate agreement(s) or service rules and procedures that may be established by the Bank from time to time. In the event of any conflict between the provisions of such separate agreements, rules or service procedures and the provisions of these Terms, the provisions of the relevant separate agreements, rules and service procedures shall prevail.
1.3. Any lending in the form of opening a credit line to the Client's SCA in accordance with the Agreement is carried out solely at the discretion of the Bank without any obligations on its part in relation to the provision or continuation of any type of lending. The Bank may credit the Client in the manner determined by the Bank.
1.4. The place of performance of the Agreement is the location of the Bank, branch, additional office of the Bank acting on behalf of the Bank upon conclusion of the Agreement. These Conditions apply to all Subdivisions of the Bank.
1.5. Issue and maintenance of the Card and all Additional Cards is carried out in accordance with the terms of the Agreement and the Tariffs of the Bank.
1.6. The card is the property of the Bank.
1.7. Use of the Card by other than its Holder is not allowed. The Client is responsible for the use of the Card. All transactions made with the use of the Additional Card, by the person in whose name it is issued, are carried out at the expense of the Client's funds held on the SCS.
1.8. The card is issued for a period of 2 years.
1.9. In case of termination of the Agreement and additional agreements, all Cards issued under the Agreement and additional agreements shall be declared invalid and shall be returned to the Bank.
1.10. In the event of suspension or termination of the Card issued under the Agreement, the settlement of financial obligations between the Bank and the Client for transactions carried out using the Card, the expiration of 30 (thirty) calendar days from the date of transfer of the Card to the Bank or the expiration of its validity or the date of submission application to the Bank about the loss of the Card.
Additional terms
Authorization- the permission granted by the Bank for carrying out a Card Transaction and the resulting obligation to execute the submitted documents drawn up using the Card or its number. In some cases, established by the Payment Systems, Card Transactions can be performed without Authorization (hereinafter referred to as Non-Authorized Transactions), which does not eliminate the need for mandatory execution of the submitted documents drawn up using the Card or its number; the procedure, as a result of which the Client's rights are certified, his instructions to the Bank to perform transactions are confirmed, and as a result of which the Bank's obligations to perform transactions arise.
An analogue of a handwritten signature (HSA) - requisite of the Electronic Document, designed to protect it from forgery, uniquely compared to this document, allowing to uniquely identify the person who signed the document (authorship confirmation), as well as to establish the absence of information distortion in the Electronic Document (confirmation of the integrity of the Electronic Document).
Bank -.
Bank card (Card)– a payment card issued by the Bank, which is a personalized/non-personalized means intended for paying for goods, services and receiving cash Money on the territory of Russia and abroad at the expense of the Client's funds (if there are sufficient funds for SCA, or at the expense of a loan in the form of a credit line provided by the Bank to the Client in the manner prescribed by the Credit Terms).
Card blocking - prohibition by the Bank of using the Bank Card for transactions (including such a prohibition that entails the withdrawal of the Bank Card when trying to use it).
Bank card holder– an individual in whose name the Bank has issued the Main Bank Card and/or the Additional Bank Card.
Additional Map– Card issued to the Client's SCS in the name of the natural person specified by the Client, and which is not the Primary Card.
Credit limit– the maximum allowable amount of the Client's debt under the Loan.
Grace period - period of interest-free use of the Credit.
MEP– minimal monthly payment.
Main Map– the first non-personalized/personalized Card issued in the name of the Client to the Client's SCS.
PIN (Personal Identification Number) - a digital code assigned to the Card and used for the purpose of remote Identification for performing Transactions.
Payment period (from the 1st to the 20th day of each month) - the period of time following the Settlement Period, during which the Client must ensure that the Account has an amount in the amount of at least the Minimum Monthly Payment, as well as, if any, penalties and commissions in accordance with the Tariffs.
Full cost of the loan- expressed as a percentage of the Client's costs for obtaining, servicing the Loan and repaying the debt under the Loan, provided for by the Agreement and the Tariffs, which the Client is aware of at the time of the conclusion of the Agreement or changes in the conditions under the Agreement. The full cost of the loan is calculated subject to the monthly repayment by the Client of the amount of the loan debt in the amount of the Minimum Payment and in accordance with clause 3.10 of these Terms.
Card payment limit– the amount of available funds on the Client's Card, within which the Cardholder can conduct transactions using it.
Special card account(further - SCS) - a current account of an individual with the Bank to record transactions made using payment cards issued to this account.
revolving loan- multiple credit, renewable after each respective repayment. It is provided within the established debt limit and repayment terms automatically without additional negotiations between the parties to the Loan Agreement.
Rates - documents establishing the amount of remuneration charged by the Bank from the Clients, applicable interest rates, penalties (penalties, fines), other information. Special Tariffs (for example, tariffs for specific transactions, tariffs for certain groups of Clients, tariffs set for individual Bank Subdivisions) have priority over general (standard) Tariffs.
Regardless of the date of conclusion of the Agreement between the Client and the Bank, the Tariffs and conditions in force on the date of the transaction are applied to the Client, unless otherwise provided by the General Terms, the Agreement, the Tariffs or the Rules for the use of cards.
Tariffs are an integral part of the Agreements.
Trade and service enterprise (TSP) - A legal or natural person - an individual entrepreneur, accepting documents drawn up using the Cards as payment for the goods provided (services, works, results of intellectual activity).
Notice of individual conditions lending- a document generated by the Bank based on the results of consideration of the Application-Questionnaire and containing the Bank's proposal on individual conditions for lending to the Client. If the Bank refuses to conclude the Agreement, the Client will not be provided with a Notice of individual lending conditions.
Notice of opening a credit line- an informational message in writing / orally or by SMS or by e-mail, sent by the Bank to the Client in case of acceptance by the Bank of the credit limit.
Other capitalized terms used in the General Conditions for the Issuance, Maintenance and Use of Cards have the same meaning as in the Agreement.
2. Service of SCS with the possibility of using the Card
2.1. Account Mode
2.1.1. The provisions of this Section apply to SCAs for which Bank Cards are issued, unless otherwise follows from this Section, other provisions of the Terms or the Agreement.
2.1.2. The Bank conducts SCA Transactions and Card Transactions in accordance with the current legislation of the Russian Federation, Bank of Russia regulations and the Agreement.
2.1.3. The funds held on the SCA are used for settlements on transactions with Cards (transactions for payment for goods and services, operations for receiving cash).
2.1.4. The Client has the right to deposit cash in the SCA currency to the SCA, in a non-cash manner, funds received in compliance with the norms of the current legislation of the Russian Federation can be credited to the SCA.
2.1.5. The Bank conducts SCA transactions, issues certificates and statements to the Client upon presentation of a passport or other identification document.
2.1.6. The transfer of funds from the SCA is carried out solely on the basis of the Client's Application, and the settlement documents required for the specified banking operation are drawn up and signed by the Bank.
2.1.7. The Bank accrues interest on the balance of funds on SCA in the amount stipulated by the Tariff on a monthly basis, no later than the 5th business day of the month following the reporting one.
2.1.8. Debiting (crediting) of funds from the SCA as a result of using the Card or the Card number in the Payment System and in the Bank's Devices is carried out on the basis of electronic data coming from the Payment System and from the Bank's Devices. The specified electronic data are recognized by the Bank and the Client as cash orders on the Client's SCS, given by an authorized person.
2.1.9. The Client instructs the Bank to write off the amounts specified in paragraph 5.3 of these conditions from his SCA without acceptance.
2.1.10. If the currency of the Card Transaction differs from the currency of the Account, the amount of the Card Transaction is converted into the currency of the Account as follows:
If the currency of the Card Transaction differs from the currency of settlements between the Bank and the Payment System (hereinafter referred to as the "Settlement Currency"), the Payment System shall convert the amount of the Card Transaction into the Settlement Currency at the rate set by the Payment System, taking into account the fee for non-cash transaction in a currency other than the Account currency charged by the Bank in accordance with the Tariffs. If the Settlement Currency differs from the currency of the Account, then the Bank shall perform the conversion into the currency of the Account at the Bank's internal rate on the day of the Card Transaction;
If the currency of the Card Transaction coincides with the Settlement Currency, but differs from the Account currency, the Bank shall perform the conversion into the Account currency at the Bank's internal exchange rate on the day of the Card Transaction.
2.1.11. Operations on the Card are carried out by the Client within the limits of the Available Balance on the Card. The Client is obliged to independently receive information about the change in the Available Balance on the Card before performing each Transaction on the Card and to perform Transactions on the Card only within the limits of the Available Balance on the Card.
2.1.12. The annual fee for servicing the Bank Card is charged at the time of submission of the Application-Questionnaire for the issuance of the Bank Card in accordance with the Tariffs in force on the date of submission and further in last month of each year of service for the next year of service in accordance with the Tariffs in force at that time.
2.1.13. Re-issuance of the Bank Card at the end of the validity period, or for the purpose of early re-issuance of the Bank Card if it is necessary to replace the plastic, in case of loss, loss or theft of the Bank Card for a new validity period, is carried out by the Bank only upon personal application of the Client to the Bank on the basis of the relevant application.
2.1.14. If the Bank Card was reissued during its validity period (for example, in case of loss or theft of the Bank Card), then in this case the annual fee for servicing the Bank Card will be charged annually in the month corresponding to the month of the Bank Card reissue in accordance with the Tariffs in force at that time .
2.1.15. The Client undertakes to receive a new or re-issued Bank Card for a new validity period from the Bank within 6 months from the date of applying to the Bank with an application for issue, or within 6 months from the expiration of the previous card, while the Bank Card is assigned a new Pin.
2.1.16. The fee for reissuing a Bank Card (if any) is charged at the time of submitting an application for reissuing in accordance with the Tariffs in force at that time.
2.1.17. Upon the expiration of the above periods, during which the Client undertakes to receive the Bank Card, the Bank destroys the unclaimed Bank Card, while the commission charged for the annual maintenance of the Bank Card is not returned.
2.1.18. In the event that the Bank terminates the issuance of a Bank Card of the corresponding type, the Client may, at his request, issue a Bank Card of a different type, for which the Client must personally contact the relevant Subdivision of the Bank.
2.1.19. If the Client wishes to refuse servicing with the Bank Card next year, the Client is obliged to return the Main and Additional cards to the Bank upon expiration of their validity.
2.1.20. The Bank is not responsible for the impossibility of using the Card in situations beyond its control, for refusals to accept the Card by trade (service) enterprises, as well as for errors resulting from the action / inaction of third parties.
2.1.21. The card may be withdrawn by an ATM upon the Bank's order if:
The allowed number of attempts to enter an incorrect PIN code has been exceeded;
the Card is forgotten by the Cardholder in the magnetic stripe reader;
The ATM has experienced a software or hardware failure.
2.1.22. The card must be returned to the Bank:
Upon termination of the Agreement simultaneously with the submission of an application for termination of the Agreement (closing of the SCA), unless otherwise established by the Bank, at least 30 days before the expected date of closing the Account. The annual fee for servicing the Bank Card is charged for each full and partial year;
Upon expiration of the Card, unless otherwise established by the Bank;
Upon detection by the Client of the Card, the loss of which the Client declared earlier;
At the request of the Bank, if the Bank has information about probable or actual illegal Card Transactions;
When the Card is reissued (except for the cases when the Card was reissued due to loss or theft);
2.1.23. Upon termination of the Agreement, the balance of funds on the Account, minus the amounts of all obligations of the Client arising from the performance of Card Transactions, the amounts of the Bank's commission according to the Tariffs, and other debts of the Client to the Bank, shall be transferred to the details specified by the Client or issued to the Client in cash through the Bank's cash desk.
2.1.24. The Card is the property of the Bank, may be withdrawn by the Bank without giving reasons, or upon first request must be immediately returned to the Bank.
2.1.25. The Bank has the right to set Cash Withdrawal Limits.
3. ACCOUNT AND CREDIT LIMIT
3.1. After reviewing the Application and other documents, the provision of which may be required from the Client by the Bank, the Bank determines whether the Client meets the credit criteria established by the Bank from time to time. If the Bank, in its sole discretion, determines that the Client meets these lending criteria, the Bank will set a limit for the Client in the form of a credit line (i.e. the limit up to which the Client can be granted a loan) and open a Loan Account. The Client agrees that the credit limit is set at the sole discretion of the Bank and that the Bank has the right to reduce, increase or cancel the credit limit at any time. The Bank informs the Client in writing (SMS notification, e-mail, fax and other available methods) about the established credit limit and about the opening of a credit line to SCA.
3.2. In the absence or insufficiency own funds to the Client's SCS to perform transactions, the Bank provides the Client with Credit within the Credit Limit, by crediting funds to the SCS, without any additional written instructions from the Client
3.3. The day of the loan is considered the day the Bank credits funds to the Client's SCS
3.4. The Client can use the loan within the limit of the loan by carrying out operations with SCA and a Bank card (including operations for withdrawing cash through ATMs, paying for goods, works and services using a bank card, receiving cash without using a Card, as well as transfers to other accounts of the Client and accounts of third parties). The Client is notified that certain transactions performed by the Client using a bank card (for example, transactions in different currencies or transactions carried out through ATMs and various payment systems, as well as a number of other transactions) may lead to an additional reduction in the amount of the available limit in as a result of the applied foreign exchange rates and/or commissions and fees established by the Bank, other banks, financial institutions and / or payment systems through which the relevant transactions are carried out.
3.5. Taking into account the peculiarities reflected in these Terms, the Bank calculates interest for the use of the Credit on a daily basis in the amount established in the Tariffs or in the Offer. Interest on the amount of the Loan is accrued by the Bank on the balance of the debt on the principal debt (from the day following the day of the Loan, and until the date of full repayment of the Loan (inclusive)). When calculating interest, the actual number of calendar days in a month and a year is taken into account.
3.6. When calculating interest on the amount of the Loan, the Grace period(period of interest-free use of the Loan), which begins on the 1st day of the month and ends 20 day of the month following the month in which the loan was granted.
3.7. When repaying the debt on the Loan in full during the Grace Period, the interest for using the Loan by the Client is not paid.
3.8. In case of non-repayment of the debt on the principal debt in full during the Grace Period, interest for the use of the Credit is accrued starting from the day following the day the Credit is granted, and is paid in the manner and within the terms established by the Offer and the Tariffs of the Bank.
3.9. If the end date of the grace period falls on a non-working day, then this date is transferred to the previous business day.
3.10. The Loan Limit is revolving, i.e. the funds received to repay the Loan restore the available Loan Limit for the amount of the repaid Loan no later than the day following the day of repayment.
3.11. On a monthly basis, no later than the 20th day, the Client is obliged to repay the Mandatory Amount Due – Minimum monthly payment(MEP). MEP consists of Minimum principal repayment amount(10% of the debt on the main debt of the Client), the amount of interest accrued for reporting period, as well as other obligations, if any - overdue commissions; commissions; fines; penalties accrued on overdue debts; amounts of accrued overdue interest; amounts of unresolved debt; amounts of arrears.
3.12. If the MEP date falls on a non-working day, then the loan payment term is determined as follows:
- if after this date there are working days before the end of the month, then the MEP is transferred to the next working day; otherwise, the last business day of the month.
3.13. Any payment, transfer or cash deposit incoming to the SCA is used to repay the Client's obligations under the Loan in the following order:
penalties for overdue interest;
penalties for overdue loans;
overdue interest;
an overdue loan
interest on current credit;
current loan.
3.14. If the Client has not repaid the MEP in full within the terms specified in clause 3.11 of these Terms, Minimum amount repayment of the principal debt, or a part thereof, the amount of outstanding accrued interest on the Credit and the amount of the outstanding commission is considered to be overdue debt.
3.15. When granting a Credit or changing the conditions for crediting, the Bank informs the Client about the amount of the Total Credit Cost. The calculation of the total cost of the loan is carried out by the Bank in accordance with the Instruction of the Bank of Russia dated 01.01.01 "On the procedure for calculating and communicating to the borrower - an individual of the total cost of the loan" according to the formula:
The total cost of the loan is calculated:
For a card issued in accordance with the Application/Loan offer based on the maximum debt in the amount of the established Lending Limit, the crediting period equal to the validity period of the card, the interest rate for using the Credit (except for the interest-free period for using the Credit), the commission for the annual maintenance of the card provided for by the Tariffs , fees for servicing the Card Account provided for by the Tariffs;
For a card issued in accordance with the Offer on individual conditions for issuing a card, based on the maximum debt in the amount of the established Credit Limit, the crediting period equal to the validity period of the card, the interest rate for using the Credit (except for the interest-free period of using the Credit) provided for in the Offer on individual the conditions for issuing the card, the fee for the annual maintenance of the card, provided for by the Tariffs, the fee for servicing the Card Account, provided for by the Tariffs;
The calculation of the Total cost of the loan includes cash flows (payments), the amount and payment term of which are known at the time of conclusion of the Agreement. The calculation of the Total cost of the loan is made by the Bank, taking into account the monthly repayment of the Minimum payment in the manner prescribed by the Agreement.
Multidirectional cash flows (payments) (crediting and debiting funds through SCA) are included in the calculation with opposite mathematical signs, namely: the provision of a Loan to the Client on the date of its issuance is included in the calculation with a minus sign, the return of funds by the Client in payment of the Minimum Payment included in the calculation with a plus sign.
The calculation of the Total cost of the loan does not include:
– Client's payments, the obligation of which the borrower does not follow from the Agreement, but from the requirements of the law;
– payments of the Client stipulated by the Agreement, payments of the Client, the amount and (or) term of payment of which depend on the decision of the Client and (or) the variant of his behavior, including:
– penalty for late repayment of debt under the Agreement;
– a penalty for the formation of overdue debt under the Agreement;
– commission for issuing a new bank card in case of loss/damage of a bank card or PIN-code to it;
– fee for annual maintenance of the Supplementary Card;
– commission for issuing/receiving cash from/to SCS;
– commission for the “Information service” service;
– commission for the provision of settlement documents and duplicate documents for transactions made with SCA;
– commission for carrying out operations with a bank card in a currency other than the SCS currency;
– other commissions of the Bank, the possibility of payment of which cannot be foreseen when concluding the Agreement.
4. PROCEDURE FOR ISSUE, SERVICE AND USE OF A BANK CARD
4.1. The non-personalized/personalized Card is issued on the basis of the Application Questionnaire for issuing the Card issued by the Client:
When applying to the Bank Branch (in accordance with the selected Service Package);
When contacting the Point of Sale (in accordance with the selected Service Package).
The card can only be issued in the name of the Client himself.
4.2. The Card is issued to the Client's Current Account within the Service Package chosen by the Client.
4.3. Upon receipt of the Card, the Cardholder is obliged to immediately sign the Card in a place specially designated on the Card. The absence or inconsistency of the signature on the Card with the signature affixed by the Cardholder on the document on transactions using the Card is the basis for refusing to accept the Card and withdrawing such a Card from circulation, without any compensation payments from the Ministry of Railways VISA Inc. and Bank.
4.4. Each card in individually assigned a PIN. The specified PIN is required when using the Card at retail outlets when paying for goods and/or services (POS-terminals) and at ATMs. PIN is set after the corresponding inscription appears on the display of the terminal and ATM. After three successive attempts to dial an incorrect PIN, the Card is blocked and confiscated by the point of sale and ATM (transactions using the Card become impossible). The counter of the number of incorrectly dialed PIN is reset in case of correct PIN dialing, provided that the PIN was dialed incorrectly in the amount from 1 (one) to 2 (two) times inclusive. The Bank is not responsible for the actions of employees of merchants/banks who seized the Card.
4.5. Payment for goods/services and withdrawal of cash are carried out on the terms and in accordance with the procedure in force in the Merchant/Bank accepting the Card and included in the VISA Inc. system.
4.6. When paying for purchases (services) or receiving cash using the Card, it is necessary to pay special attention to the operation being performed. The operation must be carried out only if the Cardholder is confident in making a purchase, receiving a service or receiving cash, because during the Authorization in the authorization database of the Bank, the Card Payment Limit is reduced by the amount of the transaction (including the commission in accordance with current Tariffs of the Bank), i.e. the amount of the transaction, taking into account the relevant commission, is blocked (reserved) on the Card. If the Cardholder refuses a purchase/service/cash withdrawal on the day of payment for the purchase/service or cash withdrawal, or the Merchant settles with the client for car rental/hotel reservations and other transactions for which Authorization was previously made for the amount of the collateral reservation, the Merchant or the bank issuing cash must cancel the Authorization by issuing and providing the Cardholder with a document confirming the cancellation of the Authorization. Otherwise, all subsequent authorizations in the next 14 days will be carried out within the Card Payment Limit, minus the blocked amount. Thus, a situation may arise when, if there are funds on the SCS, the Cardholder cannot use them. If the Bank does not receive the documents within 14 days (within in electronic format) confirming the completion of the operation, the amount of the operation is automatically unblocked.
4.7. After receiving confirmation of the transaction using the Card, the Bank has the right to write off the funds in accordance with the terms of the Agreement with SCA.
4.8. When making a payment or receiving cash using the Card, the Cardholder must sign a check or an imprint from the Card (slip), making sure that the amount indicated on these documents corresponds to the amount of the actual payment or cash issued.
4.9. It is not allowed to sign the specified check (slip), in which the transaction amount is not indicated. The cashier of the merchant/bank accepting the Card checks the signature on the check (slip) and on the Card. In case of discrepancy between signatures, the cashier has the right to withdraw the Card without prior warning.
4.10. The Bank shall under no circumstances be liable for commercial disputes between the Cardholder and the Merchant/bank accepting the Card, in particular, for disputes due to low quality of goods or services. The Bank is not responsible for goods and services provided to the Cardholder by the relevant Merchant.
4.11. If the purchase is returned in whole or in part, then the Cardholder may demand a refund from the Merchant only by wire transfer to the SCS. Refunds for the purchase/service are carried out by the TSP by issuing a slip/receipt.
4.12. In order to resolve disputes over non-return of funds to SCS after the return of a purchase or refusal of services, the Cardholder must provide the Bank with a return slip / receipt issued by the Merchant or a letter from the Merchant indicating all the parameters of the original transaction.
5.2.11. Apply for a bank statement at least once a month.
5.3. Rights of the Bank
5.3.1. The Bank has the right to Block the Card:
· if the Client has an overdue debt on SCA in the Bank or any other debt to the Bank;
in case of non-compliance by the Client with the terms of the Agreement, Conditions, Tariffs;
· upon detection of unreliability of the information specified in the Application-Questionnaire/Client's Applications;
· in other cases of non-performance (improper performance) by the Client of its obligations to the Bank without explanation;
· if the Bank has information about probable or actual illegal transactions in connection with the Card or when the Bank receives information about the death of the Client;
if the Client's SCS and/or the Client's funds on the SCS for which the Card is issued is seized at the request of authorized government agencies(officials);
· if executive (settlement) documents on the recovery of funds from the Client are presented to the Bank and these documents have not yet been executed by the Bank.
5.3.2. The Bank has the right to refuse to issue a Card to the Client, re-issue a previously issued Card with the same validity period, or re-issue a previously issued Card with a new validity period without specifying reasons.
5.3.3. The Bank has the right to refuse Authorization if the amount of the Card Transaction exceeds the Available Card Balance, or if the Bank has reason to believe that the Card Transaction may be illegal or fraudulent.
5.3.4. The Bank has the right to make a direct debit of funds from the Client's SCS for transactions using Cards (both Primary and Additional), fees in accordance with the Tariffs, debt to the Bank, including the amount of interest, penalties charged by the Bank in accordance with the Tariffs, as well as the Bank’s actual expenses incurred for obtaining documents confirming transactions using the Card, the unfoundedness of the Holder’s claim for which will be documented, fees for services rendered under other agreements to which the Bank and the Client are parties, the Bank’s claims on loans not repaid on time, the amounts tax payments calculated and held by the Bank in accordance with current legislation erroneously credited to the SCS.
5.3.5. In the event of overspending on the SCA, take measures starting from the day the relevant debt arises: send a notice to the Client with a request to repay the debt, suspend or terminate the Cards, send a notification to the Client with a request to return the Cards to the Bank, accrue interest/penalties on the amounts owed for the period from the date of occurrence to the date of actual repayment of the debt in the amount established by the Tariff.
5.4. Rights of the Client
5.4.1. The Client has the right to make SCA transactions using the Card/Cards.
5.4.2. In case of disagreement with the amount of debits / credits reflected in the SCA statement, the Client has the right to protest the disputed Transactions within 45 days from the date the SCA transaction was recorded. The absence of the Client's written objections to the transactions reflected in the statement before the specified period means acceptance of the SCA transactions and the amounts debited from/credited to the SCA.
6. Payment for bank services
6.1. The Client undertakes to pay to the Bank all applicable Fees for servicing the Bank Card, SCA in accordance with the Tariffs. The Client agrees that all Commissions will be debited by the Bank from SCA (including with an increase in loan debt) on the relevant dates without any instruction or order from the Client, and the Client authorizes the Bank to carry out such debits of funds from SCA, even if they the amount exceeds the available limit.
6.2. Upon termination of the Agreement during the period of validity of the Cards not given to the Bank, for the termination of the validity of these Cards, the Bank withholds a commission in accordance with the current Tariff
6.3. Upon termination of the Agreement before the expiration of the Cards, the commissions previously paid to the Bank shall not be refunded.
7. Set-off of counterclaims
7.1. The Client agrees that the Bank has the right to use any positive balance of funds on the Client's accounts with the Bank (regardless of the currency in which this or that account is maintained) to offset any monetary obligations of the Client to the Bank that have not been fulfilled by the Client in accordance with the terms Agreements or other agreements or agreements on the basis of which such financial obligations of the Client to the Bank arose. For these purposes, the Client authorizes the Bank to convert the funds held on the Client's accounts in one or another currency into the currency of the unexecuted monetary obligation the Client to the Bank at the non-cash rate established by the Bank on the date of the conversion.
7.2. The Client agrees that all securities, financial instruments and other assets of the Client held or held by the Bank (acting on behalf of the Client as a depository, broker, agent or in any other capacity) serve as collateral for any obligations of the Client to the Bank. The Client authorizes the Bank to sell (or otherwise dispose of) any of the above assets of the Client at their fair market price (and in the absence of a fair market price, at a price that the Bank considers reasonable) and use the proceeds to settle the Client's obligations to the Bank that are not were performed by the Client.
8. Information verification, observation and recording
8.1. The Client confirms that all information provided by him to the Bank in connection with the Agreement is accurate and reliable in all respects, and undertakes to immediately notify the Bank of any changes in the information provided by him to the Bank. The Client agrees that the Bank has the right to check the information provided by the Client to the Bank and authorizes the Bank to carry out any such checks.
8.2. The Client agrees that the Bank has the right to carry out video surveillance, electronic surveillance or telephone recording in its premises in order to ensure the security and proper quality of service to the Client without additional notice to the Client or its authorized representatives (in this case, the Client must notify its authorized representatives that the Bank may carry out such observation and recording). The Client agrees that telephone, video, electronic or computer recordings may be used as evidence in any legal proceedings.
8.3. The Client agrees that all conversations and communication between the Client and the Bank's representative through the Call Center will be recorded by the Bank in order to ensure the security and proper quality of services, and that such recordings can be used as evidence in any legal proceedings.
9. Compliance
9.1. The Client is notified that all transactions and services provided by the Bank to the Client are governed by the applicable laws and regulations. regulations Russian Federation. (Some types of transactions may also be governed by the laws of the foreign countries in which they are conducted, initiated or processed.). In accordance with applicable laws and regulations, the Bank may be entrusted with a number of control functions in relation to certain types of transactions of the Client (for example, foreign exchange transactions, cash transactions, as well as transactions that may be classified as suspicious) and the obligation provide various government and law enforcement agencies with information about the accounts and operations of the Client. For these purposes, the Bank may periodically request from the Client various documents and/or written explanations, and the Client agrees to provide them at the request of the Bank.
9.2. The Client agrees that if, in the opinion of the Bank, the performance of any transaction on the Client's SCS may entail a violation of the current legislation, the Bank has the right to refuse or suspend such an operation until the moment when the Client provides the Bank with documents or other information that satisfies the Bank, which may be requested by the Bank in connection with the execution of a particular operation of the Client.
10. Dispute Resolution Procedure
10.1. Despite the fact that the Bank will strive to conduct all transactions in accordance with the provisions of the Agreement, due to various reasons (for example, the Client's communication of inaccurate or incomplete information to the Bank or errors in data processing), disputes and disagreements may arise, which the parties undertake to resolve through friendly negotiations .
10.2. If the Client discovers any disputable situation related to SCA, the Client must notify the Bank in writing within 45 days from the date of the transaction.
10.3. The Parties agreed to consider electronic documents, printouts from a computer database, documents received from the Processing Center and / or payment system via facsimile, electronic and other communications, as well as documents signed electronic signature or any other equivalent of a handwritten signature, as written evidence in resolving disputes.
10.4. The Bank takes all possible measures to resolve the disputable situation that has arisen and notifies the Client of the results of consideration of his application. In order to resolve a dispute that has arisen, the Bank may invite the Client to a personal meeting. If necessary, in order to resolve a disputable situation, the Bank may engage a special expert (either who is or is not an employee of the Bank), who has the necessary experience and knowledge in the relevant field.
11. Validity and termination of the Agreement
11.1. The Agreement shall enter into force from the moment the Card is issued to the Client. The contract is valid for an indefinite period of time. Upon the expiration of the Card and the availability of the Client's Application for reissuing the Card, the Agreement is automatically extended for a new term, unless the Bank sends the Client a prior written notice of termination of the Agreement.
11.2. The Bank has the right to terminate the Agreement in accordance with the current legislation of the Russian Federation.
11.3. The Client has the right to terminate the Agreement at any time by personally visiting the Bank's office and submitting an application for termination of the Agreement, indicating the method of obtaining a positive balance on the SCA,
11.4. The Agreement does not terminate in case of cancellation by the Bank credit limit set for the Client. In this case, the Bank sends the Client a notice of cancellation of the credit limit by written notice or by e-mail or SMS informing or otherwise. accessible way in accordance with the terms of the Agreement.
11.5. In the event of termination of the Agreement for any reason:
(a) the SCS is subject to closure;
(b) the bank card issued to the Client (as well as additional cards) are blocked and returned to the Bank;
(c) all debts/obligations of the Client to the Bank are subject to immediate repayment;
11.6. The Bank shall return to the Client any positive balance on the Account (minus the amounts owed by the Client to the Bank) by:
(a) transfer of funds to an account within the Bank (if any) or outside the Bank in accordance with the Client's Application;
(b) disbursement of cash through the Bank's cash desk.
The Client agrees that the implementation by the Bank of one of the above methods of issuing funds will be the proper fulfillment of the Bank's obligation to return the Client's funds at the end of the Agreement. (The Bank has the right to withhold the amounts of expenses related to the transfers in accordance with the Tariffs).
11.7. Except as specifically provided in the Agreement, termination of the Agreement for any reason does not change or affect the Client's obligations to the Bank that arose before the date of termination of the Agreement and remain unfulfilled by the Client as of the date of termination, and does not change or affect rights and remedies granted to the Bank in accordance with the provisions of the Agreement in respect of any obligations of the Client that arose before the date of termination of the Agreement and remain unfulfilled by the Client on the date of termination.
11.8. If within two years there are no funds on the SCA and operations on this SCA, the Bank has the right to refuse to execute the Agreement, warning in writing about this client. The Agreement is considered terminated after two months from the date of sending such a warning by the Bank, if funds have not been received by the SCA within this period.
11.9. The Client authorizes the Bank to terminate the Agreement and close the SCA without its additional statement when the Bank refuses to issue the Main Card.
12. General provisions
12.1. The Bank shall not be liable for failure to perform or improper performance of its obligations under the Agreement in the event that the performance of such obligations by the Bank becomes impossible, difficult or delayed due to force majeure, which includes, without limitation, the publication or change in the interpretation or application of any legislative or regulatory acts, resolutions, decisions, etc. by state or municipal bodies of the Russian Federation or other states, the Central Bank of the Russian Federation or central (national) banks of other states (including restrictions on the conversion and transfer of foreign currencies), as a result which the performance by the Bank of its obligations under the Agreement becomes unlawful or unlawful, as well as sabotage, fires, floods, explosions, natural disasters, civil unrest, strikes and any performance of employees, insurrections, riots, wars, actions of governments or any other circumstances events beyond the reasonable control of the Bank (hereinafter referred to as "Force Majeure Circumstances"). Unless the parties reach a written agreement to the contrary, upon the occurrence of Force Majeure Circumstances, the Bank has the right to suspend the performance of its obligations under the Agreement, which are subject to Force Majeure Circumstances, until the termination of such Force Majeure Circumstances.
12.2. The Client is not entitled to assign, transfer or otherwise dispose (or take measures aimed at assignment, transfer or other disposal) of his rights or obligations under the Agreement without the prior written consent of the Bank. Any assignment, transfer or other disposal by the Client of any right or obligation under the Agreement without the prior written consent of the Bank is void. The Bank has the right to assign, transfer or otherwise dispose of any of its rights under the Agreement to any third party without the consent of the Client. For the purposes of such assignment, transfer or other disposition, the Bank may disclose to any actual or potential assignee or any other person such information about the Client as the Bank deems appropriate.
12.3. The Client agrees that the Bank may, at any time during unilaterally make amendments, changes or additions to the Agreement (including Tariffs), except for cases when amendments, changes or additions increase interest rate, increase the existing or establish new commissions for operations in the Tariffs. Amendments, amendments or additions to the Terms and/or Tariffs, except for cases when the current tariffs are changed or new tariffs are established that affect the total cost of the loan, and/or the interest rate increases, the existing commissions on operations increase or new commissions are established, do not come into force. earlier than 30 (thirty) days after the publication date new edition of the Terms and/or Tariffs on the Bank's website on the Internet (www. *****). Amendments, amendments or additions to the Agreement in respect of tariffs affecting the full cost of the loan, with the exception of an increase in the interest rate, an increase in existing or establishment of new commissions for operations, come into force 30 (thirty) days after the date of publication on the Bank's website. Amendments, amendments or additions to the Tariffs that increase the interest rate, increase the current or establish new commissions for operations shall enter into force from the moment the Client accepts the Bank's proposal to introduce such amendments, amendments or additions. The Client's acceptance is the performance of any Operation on the Account using a bank card. The Client can at any time obtain the current version of the Terms, Application and Tariffs at the Bank's branches or on the Bank's website on the Internet (www. *****). The Parties agree that any amendments, changes or additions to the Agreement may be made only in the manner specified above, and that no other documents, publications, information or promotional materials (whether in writing or in any other form) may amendments, changes and additions to the Agreement.
12.4. The Bank's liability to the Client is limited to the documented actual damage incurred by the Client as a result of illegal actions or inaction of the Bank, acting intentionally or with gross negligence. Under no circumstances shall the Bank be liable to the Client for any indirect, incidental or incidental loss or damage (including lost profits), even if it has been advised of the possibility of such loss or damage.
12.5. The Client shall be liable to the Bank for all losses (including lost profits), damages or expenses incurred by the Bank as a result of violation of the Client's actions or omissions in violation of the Agreement or applicable laws and regulations.
12.6. The Client is obliged to regularly receive information in the manner specified above about changes and additions to the current version of the Terms, Application and Tariffs on the Bank's website, in any structural unit Jar.
12.7. The Client is notified and agrees that the obligations of the Bank arising from the Agreement or in connection with it are obligations only of BashInvestBank LLC
12.8. The Bank treats information related to the Client as confidential, however, the Client agrees that, in order to fulfill the Agreement, the Bank may transfer and disclose any information relating to the Client to branches, subsidiaries, representative offices, affiliates and agents of the Bank, as well as to third parties (including any credit bureaus), at the discretion of any of them, regardless of their location, for confidential use (including in connection with the provision of services and products, data processing, statistical reporting and risk management). The Bank and any of its branches, subsidiaries, representative offices, affiliates, agents or third parties may transfer and disclose any such information in accordance with any decisions, orders, rulings, orders, orders, warrants or other documents issued by the courts, regulatory and law enforcement bodies.
12.9. In the event that any provision of the Agreement is or becomes illegal, invalid or unenforceable under any applicable law, the remaining provisions of the Agreement shall remain in full force and effect.
12.10. The failure or delay in exercising by the Client or the Bank of their rights or remedies under the Agreement is limited to the specific case to which such failure or refusal relates, and does not affect any subsequent exercise of the rights or remedies available to the Client or the Bank.
12.11. The Agreement is governed by and construed in accordance with the laws of the Russian Federation without regard to conflict of laws rules. Subject to the provisions of Section 9 (“Dispute Resolution Procedure”), any dispute, controversy or claim arising out of or in connection with the Agreement in particular, any dispute relating to the existence, validity or termination of any relationship between the Bank and the Client shall be submitted by the parties for consideration by a court of relevant jurisdiction at the location of the Client or the Bank.
13. Provision of services when the Client contacts the Bank's Information Center
13.1. In accordance with the rules of this Section, the Bank undertakes to provide the following services to the Client, upon his oral order, transmitted by telephone to the Bank's Call Center:
13.1.1. providing general information about the Bank, products offered for individuals and the services provided, the conditions for opening and maintaining Accounts, the use of Cards and Payment Systems, the Bank's exchange rates that were in effect for 7 calendar days prior to the Client's application to the Call Centre;
13.1.2. provision of information on the location and working hours of branches and ATMs of the Bank;
13.1.3. accepting applications from individuals for consumer credit;
13.1.4. providing the Client with information about the payment details of the Bank by fax or e-mail;
13.1.5. provision of consulting assistance in case of disputes when using the Card, when the Card is withdrawn by an ATM;
13.2. informing the Client about the readiness of the Card and the possibility to pick up the finished Card at the Bank's Subdivision, including the Card seized by the ATM;
13.3. As a password, the Client and the Bank use the code word specified by the Client when opening the SCA.
13.4. The password can also be requested by the Bank when contacting the Client by phone if it is necessary to convey to the Client information on the Card or SCA (in this case, the Client has the right to refuse to provide the password and can call the Bank back on his own or contact the Bank's Subdivision in person).
13.5. The Client and the Bank undertake to keep the password confidential and not disclose it to third parties.
13.6. The person who gives the Bank a verbal order by phone and correctly enters the password is recognized as the Client.
13.7. The Bank is not responsible for the consequences of any use of the password by third parties.
13.8. The information requested by the Client in accordance with the rules of this Section may be communicated by the Bank to the Client orally by telephone, fax, e-mail. The Bank is not responsible for possible unauthorized receipt of this information by third parties for reasons beyond the control of the Bank.
13.9. When the Client contacts by phone for the provision of the services listed in this Section, the date, time of the call, the fact of the Client's identification using a password, as well as the content of the Client's oral order are recorded in the manner chosen by the Bank. The Bank has the right to keep an audio recording of a telephone conversation with the Client and use it in resolving disputes.
13.10. By contacting the Bank's Information Center, the Client understands that communication is carried out using ordinary telephone lines without the use of additional means to ensure the confidentiality of conversations, in connection with which the Client accepts the risks associated with the possible receipt of transmitted information by third parties.
14. Services provided by third parties
When the Client uses the Bank's services, the Client may receive additional services, benefits and/or offers (for example, discounts in some hotel chains, restaurants, etc.) in accordance with agreements concluded between the Bank and third parties providing such services. The Bank will inform the Client about such additional services, benefits and/or offers of third parties in the ways that the Bank deems appropriate. The Client is advised that (i) such additional services, benefits and/or offers are provided to the Client by third parties and not by the Bank; (ii) the Bank does not provide the Client with any guarantees or representations regarding such services, benefits and/or offers, as well as their quality, availability and continuous provision; and (iii) the Bank shall not bear any responsibility in connection with the Client's use of services, benefits and/or offers provided to the Client by third parties.
Plastic cards of banks have long been a part of the life of every modern person. And there are a number of reasons for this. Someone - a salary, others - a scholarship or material assistance receives on bank cards.
You can find out the types of bank cards, the conditions for their opening, use, closing methods, as well as the history of this financial product by reading this article. The most popular ones will also be listed. international systems engaged in the issuance and support of plastic cards.
Origin and further history of development
Consider plastic cards, starting from the moment when the first bank cards began to appear.
Before the trading boom in America in the fifties of the last century, as well as throughout the world, money was used in two forms: cash and non-cash.
If everything is clear with the first form, then we will focus on the second.
Non-cash money then consisted of checks and checkbooks. For a modern user plastic card all the negative aspects of using a checkbook are clear:
Possibility of forgery;
Long registration of each operation;
You should always carry a paper check with you, which can be easily ruined.
During that very American trading boom, when the number of trading transactions multiplied several times, the need to have a remedy that would be more reliable than checks became very acute.
The choice should depend on the needs
Knowing all the listed features of the cards, you can easily choose the right one for yourself. The most important thing is to correctly identify your needs. For example, why do you need a “credit card” if you are a wealthy person, as well as a “Corn” card if you do not use the services of Euroset or its partners?
Also keep in mind: the higher the class of the card, the more expensive its maintenance will cost you. If you are a student then golden card you obviously don't care. And with frequent trips abroad and a fairly large turnover of personal funds, you cannot do without a platinum bank card, given all the services that will be available to you.
Rules for servicing a debit bank card
The rules for servicing a debit card are a collection of conditions and rules that customers who receive plastic and banks that issue it must comply with. They set out the basic definitions and concepts applied to cards, the obligations and rights of the client, the obligations and rights of the bank itself, the procedure for opening and maintaining a debit card account, as well as the procedure for conducting operations on it, the responsibility of the client and financial. institutions, the procedure for resolving emerging disputes, the procedure for completing the maintenance of plastic.
Rules for use and maintenance debit cards are usually issued immediately upon receipt of plastic. In the application for receipt, the client must sign that he has received the rules and is familiar with them.
If the plastic comes by mail, or the department forgot to issue the rules, then you can always find them on the website of the issuing banking organization.
The rules for servicing debit cards may be amended and supplemented. At the same time, the bank does not always notify the holder about this.
O latest changes and additions to the rules for maintenance, you can find:
- On the official website of the Finnish institutions (usually there is a note about the changes in the news feed on the website or in the “Tariffs” section)
- In the branch (when visiting the branch, a specialist can inform about the changes, you can check it yourself during communication with employees or at information stands)
- By phone hotline(the news about the changes can be broadcast by the voice assistant of the hotline or the call center specialist)
- In your online account.
The main points of the rules for servicing bank debit cards or what to look for.
- Terms, concepts, definitions. Rules often use specific terminology. To have an accurate idea of what in question in each paragraph, you should study all the terms and concepts. Do not forget that the same designation may have a different meaning in different banks. For example, the abbreviation RBS in one bank means “banking service agreement”, and in another - “ remote service". Or, in one case, an additional card means an additional card that has one common account with the main one, and in another, it goes as a gift to the main one and has its own personal account, separate from the main one.
- Client obligations. This paragraph describes all the obligations of the client to the bank when using plastic. Here it is worth paying attention to all points without exception. For example, a clause on the obligation to keep all payment documents on the card (checks, statements) during the entire period of using the card and provide them at the first request of the bank. Let's say a bank asks the holder of an extract for the first half of the year for all operations (and there may be more than a thousand if the client actively uses plastic) because it considers some transactions illegal. If the client does not provide, then the fin. the institution may suspend the card, block it or refuse the next issue, because the holder violated the rules for servicing and using plastic. A clause on the client's obligations to notify about loss, theft or transactions that the client did not perform. Different banks have different procedures for notifying the bank about this.
In one bank, you only need to call the hotline. In another, call and the next day come personally to the department to write an application. In the third - just send SMS to the bank's short number. If these conditions are not met by the holder, the bank has the right to refuse to solve the problem and relieve itself of financial responsibility. Particular attention should be paid to the moment at which the bank assumes responsibility. Many banking organizations indicate the period - from the next day after the oral notification. It turns out that for fraudulent transactions the first day the bank will not be responsible. A clause on the timeframe within which the client must make claims on transactions. Most often it is tied to a monthly statement. But in some organizations, the claim may not be accepted after a certain period, for example, later than 30 days from the date of discharge.
- Client rights. This paragraph describes everything that the client can do with the card. The client can receive all justifications about bank write-offs from your account and challenge them, conduct operations, demand from the Finns. organizing the provision of services in accordance with the rules and more.
- The rights and obligations of the bank. This paragraph spells out everything that the bank is allowed to do: open card accounts, request documents on ongoing transactions, provide the holder with an extract, write off their remuneration for the provision of services (annual service, SMS notification, etc.). In addition, a clause is often indicated here that the bank can change the conditions for the cards unilaterally, and the client will be notified in the specified way (SMS notification, information on the website or stands, etc.).
- Conditions for opening and maintaining an account. It specifies the conditions on the basis of which the client can receive bank cards, the list of documents for receipt, the procedure for maintaining the client's card account.
Resolution of disputes on violation of the rules of service and use of debit bank cards.
All disputes are resolved on an individual basis. If possible, a mutually beneficial solution is achieved through negotiations between the plastic holder and representatives of the fin. institutions. If the decision is not found or does not suit one of the parties, then everything is decided in court.
Where are debit card fees and charges listed?
Tariffs is a document where all commissions, limits and other terms of service are registered. Tariffs and commissions when using debit cards are issued to the holder at the time of receipt. The client must sign that he agrees with them and is familiar with them.
For the convenience of customers, changes to the Terms of Service and Tariffs for bank cards are introduced according to the schedule: 4 times a year on January 1, April 1, July 1, October 1 or at other times in connection with the requirements of the law.
- Conditions for issuing, servicing and using bank cards from October 1, 2019
- APPENDIX 18.1. Form of statement of disagreement with the transaction (chargeback).
- APPENDIX 18.2. Application form confirming the blocking of the Card (in case of loss of the Card or unauthorized use).
- APPENDIX 18.3. Application form for re-granting a bank card for use (in case of loss of the card or PIN).
- APPENDIX 18.4. Application form for an additional bank card of PJSC "SAROVBUSINESSBANK".
- APPENDIX 18.5. Application for adjustment of activity limits.
- APPENDIX 18.6. Application form for connecting, disconnecting or making changes to the parameters of the SMS service.
- APPENDIX 18.7. The procedure for providing SMS service to cardholders.
- APPENDIX 18.8. Application for debiting funds from the card for servicing loans.
- APPENDIX 18.9. Application-questionnaire of an individual about opening a current account using a bank card of PJSC "SAROVBUSINESSBANK".
- APPENDIX 18.10. Application for termination of the Bank account agreement with the use of bank cards (closing of the card account).
- APPENDIX 18.11. Restrictions on transactions performed using bank cards of PJSC "SAROVBUSINESSBANK" (activity limits).
- APPENDIX 18.12. Program for payment of remuneration to cardholders of PJSC "SAROVBUSINESSBANK" (cashback).
- Conditions for issuing, using and servicing virtual cards from October 01, 2018
- APPENDIX 13.1. Application form for issuing a virtual card.
- APPENDIX 13.2. Receipt for a virtual card.
- APPENDIX 13.3. Application for refund of unused Card limit.
- APPENDIX 13.4. Application form confirming the blocking of the virtual Card.
- APPENDIX 13.5. Restrictions on transactions made using prepaid virtual cards of PJSC "SAROVBUSINESSBANK" (activity limits).
- Terms of issue, use and maintenance of prepaid gift cards from October 01, 2017
- APPENDIX 13.1. Application to close a prepaid gift card and return the unused balance.
- APPENDIX 13.2. Application for confirmation of blocking of a gift prepaid card.
- APPENDIX 13.3. Restrictions on transactions performed using gift cards of PJSC "SAROVBUSINESSBANK" (activity limits).
Tariffs for issuing and servicing bank cards (from October 1, 2019)
1. Operations with current card accounts 1
1.1 For current card accounts of individuals using bank settlement (debit) cards. Account currency: Russian rubles / US dollars / euro
1.1.1. Crediting to the card account of cash and non-cash funds |
not charged |
1.1.2. Cash withdrawal from a card account (without the presence of a card) with the exception of clause 1.1.3. |
1% of the transaction amount, but not more than 200 rubles. / 3 dollars USA / 3 EUR |
1.1.3. Cash withdrawal from a card account (without the presence of a card) at emission tariffs " Social card", "Social Security", " Retirement card and "Pension" |
not charged |
1.1.4. Maintenance of the current card account after the expiration date (1 year or more) of the last of the cards provided 3 |
RUB 250 / USD 5 / EUR 5 |
1.1.5. Non-cash transfers of funds to accounts opened in PJSC "SAROVBUSINESSBANK" and its branches of additional, operating offices at the request of current card account holders (only for accounts in Russian rubles): |
|
not charged |
|
1.1.6. Non-cash transfers to accounts opened with other credit institutions at the request of current card account holders (only for accounts in Russian rubles): |
|
- to accounts legal entities if there is an agreement with the recipient of funds |
in accordance with the terms of the agreement with the recipient of funds |
1.1.7. Non-cash transfers of funds to accounts and cards opened in PJSC "SAROVBUSINESSBANK" and its branches of additional, operating offices, carried out using the SBB Online / SBB Mobile Remote Banking Service (only for accounts in Russian rubles): |
|
— to the client's own accounts and cards |
not charged |
— to accounts and cards of other individuals |
not charged |
— to the accounts of legal entities in the absence of an agreement with the recipient of funds |
0.1% of the transfer amount, but not less than 10 rubles, not more than 1000 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
in accordance with the terms of the agreement with the recipient of funds |
1.1.8. Non-cash transfers to accounts opened with other banks, made using the RBS service SBB online / SBB Mobile (only for accounts in Russian rubles): |
|
— to accounts of individuals and accounts of legal entities in the absence of an agreement with the recipient of funds |
0.2% of the transferred amount, but not less than 20 rubles and not more than 1000 rubles, except for tax payments |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
in accordance with the terms of the agreement with the recipient of funds |
1.1.9. Non-cash transfers in payment for the services of providers registered in the federal system "Gorod", made using the RBS service SBB online / SBB Mobile |
in accordance with the tariffs of the federal system "City" (the amount of the commission for a wire transfer in favor of a particular provider is reflected when making a transfer in RBS SBB online / SBB Mobile, before the Client performs the corresponding wire transfer operation) |
1.1.10. Preparation of certificates at the request of clients, including the presence/absence of a current card account |
300 rubles, incl. VAT |
1.1.11. Calculation of interest on the balance of funds on the card account |
depending on the type of card issue rate |
1 For transactions with current card accounts without the use of cards not specified in this list, the current tariffs can be applied to the current accounts of PJSC "SAROVBUSINESSBANK"
2 Euro accounts are opened only for Mastercard payment system cards, USD accounts for VISA and Mastercard payment system cards
3
1.2. For current card individuals using bank cards with grace period lending, account currency - Russian rubles
1.2.1. Crediting to the card account of cash and non-cash funds |
not charged |
1.2.2. Maintenance of the current card account after the expiration date (1 year or more) of the last of the cards provided 4 |
|
1.2.3. Non-cash transfers of funds to accounts opened in PJSC "SAROVBUSINESSBANK" and its branches of additional, operational offices at the request of card account holders: |
|
- to accounts of individuals |
4%, but not less than 300 rubles. |
— to the accounts of legal entities in the absence of an agreement with the recipient of funds |
4%, but not less than 300 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
4%, but not less than 300 rubles. |
1.2.4. Non-cash transfers to accounts opened with other credit institutions at the request of card account holders: |
|
— to accounts of individuals and accounts of legal entities in the absence of an agreement with the recipient of funds |
4%, but not less than 300 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
4%, but not less than 300 rubles. |
1.2.5. Non-cash transfers of funds to accounts opened in PJSC "SAROVBUSINESSBANK" and its branches of additional, operational offices, carried out using the Remote Banking Service SBB online / SBB Mobile: |
|
— to the client's own accounts; |
4%, but not less than 300 rubles. |
- to the accounts of other individuals; |
4%, but not less than 300 rubles. |
- to the accounts of legal entities in the absence of an agreement with the recipient of funds; |
4%, but not less than 300 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds. |
|
1.2.6. Non-cash transfers to accounts opened with other credit institutions, made using the SBB Online / SBB Mobile Remote Banking Service |
|
— to accounts of individuals and accounts of legal entities in the absence of an agreement with the recipient of funds |
4%, but not less than 300 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
in accordance with the terms of the agreement of the recipient of funds |
1.2.7. Preparation of certificates at the request of clients, including the presence/absence of a current card account |
300 rubles, incl. VAT |
1.2.8. Calculation of interest on the balance of funds on the card account |
not charged |
4 It is charged annually no later than the last working decade of the year. If the balance of funds on the account is less than the amount of the established commission, then the commission is set in the amount of the balance on the account.
1.3. Business account for transactions using corporate bank cards
5 It is charged annually no later than the last working decade of the year. If the balance of funds on the account is less than the amount of the established commission, then the commission is set in the amount of the balance on the account.
1.4. For current card accounts of individuals using UnionCard payment system cards
1.4.1. Annual account maintenance 7 |
in the amount of the balance on the account, but not more than 500 rubles. |
1.4.2. Crediting non-cash funds to the account, including pensions, benefits and equivalent funds |
service not available 8 |
1.4.3. Cash deposit |
service not provided |
1.4.4. Non-cash transfers of funds to accounts opened in PJSC "SAROVBUSINESSBANK" and its branches of additional, operating offices at the request of current card account holders (only for accounts in Russian rubles): |
|
— to own accounts and cards |
not charged |
— to accounts and cards of other individuals |
20 rub. for the operation |
— to the accounts of legal entities in the absence of an agreement with the recipient of funds |
0.5% of the transfer amount, but not less than 100 rubles, not more than 2000 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
in accordance with the terms of the agreement with the recipient of funds |
1.4.5. Non-cash transfers to accounts opened with other credit institutions at the request of current card account holders (only for accounts in Russian rubles): |
|
— to accounts of individuals and accounts of legal entities in the absence of an agreement with the recipient of funds |
1% of the transfer amount, but not less than 100 rubles, not more than 2000 rubles. |
— to the accounts of legal entities in the presence of an agreement with the recipient of funds |
in accordance with the terms of the agreement with the recipient of funds |
1.4.6. Preparation of certificates at the request of clients, including the presence/absence of a current card account |
300 rubles, incl. VAT |
1.4.7. Calculation of interest on the balance of funds on the card account |
not charged |
6 In connection with the completion of the issue of cards of the UnionCard payment system, bank cards are not issued, the tariff is applied instead of the previously existing tariffs
- "General for individuals, account currency - rubles",
- "Pension, UnionCard, account currency - rubles",
- "Salary, UnionCard, account currency rubles",
- "Salary for employees budget institutions and employees of PJSC "SAROVBUSINESSBANK", UnionCard, account currency - rubles"
7 Charged once a year no later than the last working decade of the year, except for accounts opened for subsidies
8 With the exception of accounts opened under the agreement for crediting subsidies
2. Issuing tariffs. Issue and maintenance of bank settlement (debit) cards of international payment systems Visa, Mastercard
2.1. "General for individuals" using settlement (debit) cards, card account currency - US dollars, euros
Visa Gold |
Mastercard Gold |
|
2.1.1. Release 9 main or additional card |
15 dollars USA |
|
2.1.2. Annual service in the first year of validity of the main or additional card |
not charged |
|
2.1.3. Annual maintenance of 10 primary or additional cards in the second and subsequent years |
15 dollars USA |
|
2.1.4. Card reissue by term (extension) |
not charged |
|
2.1.5. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
15 dollars USA |
|
2.1.6. Cash withdrawal: |
||
not charged |
||
— through VTB Group ATMs and Post Bank ATMs 11 |
not charged |
|
— through ATMs and cash points of partner banks 12 |
||
1% minimum 3 USD USA |
1% minimum 3 EUR |
|
2.1.7. Payment for goods and services by bank card |
not charged |
|
2.1.8. Conversion fee 13 |
not charged |
|
2.1.9. Calculation of interest on the balance of funds on the card account |
service not provided |
|
2.1.10. Accrual of miles when making transactions using the card in trade and service enterprises for use within the service eqvilibria.ru |
service not provided |
|
2.1.11. Cashback |
service not provided |
9
10 The cost of servicing the cards includes the SMS-service package.
11
12
13
2.2. "General for individuals" using settlement (debit) cards, card account currency - Russian rubles
Mastercard Gold |
+ cashback |
+ accrual of miles |
||
Visa Gold Mastercard Gold |
Visa Gold Mastercard Gold |
|||
2.2.1. Issue 14 of the main or additional card |
||||
2.2.2. Issue 15 and Service during Term 16 of the Additional Sticker Card |
||||
2.2.3. Annual service in the first year of validity of the main or additional card |
not charged |
|||
2.2.4. Annual maintenance of 17 primary or additional cards in the second and subsequent years |
||||
2.2.5. Card reissue by term (extension) |
not charged |
|||
2.2.6. Reissue of a sticker card by term (extension) |
||||
2.2.7. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
||||
2.2.8. Reissue of a sticker card in cases of replacement in case of damage, loss of a sticker card or PIN |
||||
2.2.9. Cash withdrawal: |
||||
not charged |
||||
— through VTB Group ATMs and Post Bank ATMs 18 |
not charged |
|||
— through ATMs and cash points of partner banks 19 |
||||
— through ATMs and cash points of other banks |
1% minimum 250 rubles. |
|||
not implemented |
||||
2.2.10. Payment for goods and services by bank card |
not charged |
|||
2.2.11. Conversion fee 20 |
not charged |
|||
2.2.12. Calculation of interest on the balance of funds on the card account |
service not provided |
|||
2.2.13. Accrual of miles when making transactions using a card or a sticker card in trade and service enterprises for use within the service eqvilibria.ru |
service not provided |
1 mile = 30 rubles |
||
2.2.14. Cashback |
service not provided |
service not provided |
14 From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
15
16
17 The cost of the service includes the SMS-service package. Charged annually for each year the card is valid from the card account. At the same time, the service year is taken equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the countdown of the first service year begins from the date of issue of the card, and each subsequent one - from the date following the end date of the previous service year. Commission calculations are carried out on the first business day of the year of servicing the Card, in the absence of funds on the specified date at the end business day in the amount necessary to pay the commission, the Client's Card is blocked and not serviced. At the first receipt of money on the card account, the annual service fee is charged in full, the Card blocking is removed. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.
18 If technically possible
19 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
20 Transaction amount in foreign currency recalculated in the currency of settlements from payment system in accordance with the rules of the system, and from the currency of settlements to the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
2.3. "Card plus" for individuals who have deposits or loans in PJSC "SAROVBUSINESSBANK", the currency of the card account is Russian rubles
2.3.1. Issuance and annual maintenance of the main or additional card for the entire period of validity |
not charged |
2.3.2. Issue 22 and maintenance during the period 23 of the additional sticker card (only in Russian rubles) |
|
2.3.3. Card reissue by term (extension) 24 main or additional cards |
not charged |
2.3.4. Reissue of a sticker card by term (extension) |
|
2.3.5. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
|
2.3.6. Reissue of a sticker card in cases of replacement in case of damage, loss of a sticker card or PIN |
|
2.3.7. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— through ATMs of VTB Group and ATMs of PJSC Post Bank 25 |
not charged |
— through ATMs and cash points of partner banks 26 |
|
— through ATMs and cash points of other banks |
1% minimum 250 rubles. |
- using a sticker card |
not implemented |
2.3.8. Conversion fee 27 |
not charged |
2.3.9. Calculation of interest on the balance of funds on the card account |
not charged |
21 Cards are issued subject to the placement of a deposit / deposit in a bank or in the presence of a valid loan agreement, and the same when connecting RBS. The type of card and card product is determined by the Bank. From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
22 Technological features of the sticker card support payment for goods and services using contactless technologies. If there is a technical possibility, Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. customer on the check. A sticker card with a card account can only be issued as an additional card. Restrictions on permitted operations using a sticker card (activity limits) are similar to the restrictions on the main card.
23 The type of payment system, the name of the card product and the validity period of the sticker card are determined by the Bank.
24 The commission is charged subject to the availability of funds on the client's account on the date of payment, or in the absence of funds on the client's account on the date of payment, it is charged upon the first receipt without additional order from the client. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.
25 If technically possible
26 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
27 The transaction amount in foreign currency is converted into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account.
2.4. "Premium" for individuals Visa Infinite, account currency Russian rubles / US dollars
Visa Infinite 28 |
Visa Infinite 29 |
Visa Infinite 30 |
|
2.4.1. Issue and annual service 31 |
30 000 rub. |
5 000 rub. |
not charged |
2.4.2. Issue 32 and maintenance during period 33 of the additional sticker card (only in Russian rubles) |
not charged |
||
2.4.3. Reissue of a card/sticker card by term (extension) |
not charged |
||
2.4.4. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card, PIN |
15 000 rub. |
5 000 rub. |
5 000 rub. |
2.4.5. Reissue of a sticker card in cases of replacement in case of damage, loss of a sticker card or PIN |
not charged |
||
2.4.6. Cash withdrawal: |
|||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK"; |
not charged |
||
— through VTB Group ATMs and Post Bank ATMs 34 |
not charged |
||
— through ATMs and cash points of partner banks 35 |
not charged |
||
— through ATMs and cash points of other banks |
not charged (commission may apply) third party bank) |
||
- using a sticker card |
not implemented |
||
2.4.7. Payment for goods and services by bank card |
not charged |
||
2.4.8. Conversion fee 36 |
not charged |
||
2.4.9. Calculation of interest on the balance of funds on the card account |
4.5% per annum, monthly on accounts in Russian rubles |
service not provided |
|
2.4.10. Issuing an access card to airport VIP lounges Priority Pass |
not charged |
||
2.4.11. Reimbursement of the Bank's expenses when making settlements for payment for the services of the company "Priority Pass Limited" for cardholders, is determined based on the amount of the fee established by the company "Priority Pass Limited" for one visit to the VIP lounge of the airport by one person |
first 5 visits per month - free of charge, |
$27 38 |
|
2.4.12. Bonus programs (optional) 39: |
|||
1 mile = 30 rubles |
1 mile = 30 rubles |
service not provided |
|
— Accrual of welcome miles when making the first purchase with a card for use within the service eqvilibria.ru ; |
|||
— Cashback |
1%, but not more than 3000 rubles. per month |
28 The bank invites VISA INFINITE card holders for personal service at SBB GOLD offices. The cost of servicing the card includes an SMS service package, issuing a PriorityPass card, as well as services provided by the payment system: a comprehensive insurance policy VISA CEMEA INFINITE - PRIVILEGE PROGRAM, concierge service, emergency assistance, and other special offers. Additionally, a card can be issued at the rate " Virtual card"free of charge, as well as up to 3 Visa Gold / MasterCard Gold (RUR, USD, EUR) bank cards with the "Representative" tariff, to a VISA INFINITE account or as an independent product in the name of the client or in the name of other persons of your choice client.
29 The cost of servicing the card includes an SMS service package, issuing a PriorityPass card, as well as services provided by the payment system: a comprehensive insurance policy VISA CEMEA INFINITE - PRIVILEGE PROGRAM, concierge service, emergency assistance, and other special offers. Additionally, a card can be issued at the "Virtual Card" tariff without charging a fee, as well as up to 3 Visa Gold / MasterСard Gold (RUR, USD, EUR) bank cards with the "Executive" tariff, to a VISA INFINITE account or as an independent product in the name of the client or in the name of other persons at the choice of the client.
30 It is issued only within the framework of individual special offers of the Bank or marketing campaigns. The cost of servicing the card includes an SMS service package, issuing a PriorityPass card, as well as services provided by the payment system: a comprehensive insurance policy VISA CEMEA INFINITE - PRIVILEGE PROGRAM, concierge service, emergency assistance, and other special offers. Additionally, a card can be issued at the "Virtual Card" tariff without charging a fee, as well as up to 3 Visa Gold / MasterСard Gold (RUR, USD, EUR) bank cards with the "Executive" tariff, to a VISA INFINITE account or as an independent product in the name of the client or in the name of other persons at the choice of the client.
31 Charged annually for each year the card is valid from the card account. At the same time, the service year is taken equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the countdown of the first service year begins from the date of issue of the card, and each subsequent one - from the date following the end date of the previous service year. Commission calculations are carried out on the first business day of the Card service year, in the absence of funds on the specified date at the end of the business day in the amount necessary to pay the commission, the Client's Card is blocked and not serviced. At the first receipt of money on the card account, the annual service fee is charged in full, the Card blocking is removed. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.
32 Technological features of the sticker card support payment for goods and services using contactless technologies. If there is a technical possibility, Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signing the client on the check. A sticker card can only be issued as an additional card. Restrictions on permitted operations using a sticker card (activity limits) are similar to the restrictions on the main card.
33 The type of payment system, the name of the card product and the validity period of the sticker card are determined by the Bank
34 If technically possible
35 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
36
37
38 For accounts in Russian rubles - at the exchange rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
39 The bonus program (one of the available ones: either accrual of miles or cashback) is set upon card issuance and cannot be changed until the end of the card validity period
2.5. "Representative" for individuals, account currency Russian rubles / US dollars / euros
2.5.1. Issue, re-issue of the card by validity period (renewal) and annual maintenance of the main card 41 |
not charged |
2.5.2. Issue 42, re-issue by validity period (renewal) and service during the 43 validity period of an additional sticker card (only in Russian rubles) |
|
2.5.3. Reissue of the card in cases of replacement of the main card in case of damage, change of full name, loss of the card or PIN |
700 rubles / 15 dollars USA / 15 EUR |
2.5.4. Reissue of a sticker card in cases of replacement in case of damage, loss of a sticker card or PIN |
|
2.5.5. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— through ATMs of VTB Group and ATMs of Post Bank PJSC 44 |
not charged |
— through ATMs and cash points of partner banks 45 |
|
— through ATMs and cash points of other banks |
1% minimum 250 rubles / 3 dollars USA / 3 EUR |
- using a sticker card |
not implemented |
2.5.6. Payment for goods and services by bank card |
not charged |
2.5.7. Conversion fee 46 |
not charged |
2.5.8. Calculation of interest on the balance of funds on the card account |
not charged |
2.5.9. Accrual of miles when making transactions using a card or a sticker card in trade and service enterprises for use within the service eqvilibria.ru |
service not provided |
2.5.10. Cashback |
service not provided |
40 No more than one card is issued to one card account. From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
41 Technological features of the sticker card support payment for goods and services using contactless technologies. If there is a technical possibility, Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. customer on the check. A sticker card with a card account can only be issued as an additional card. Restrictions on permitted operations using a sticker card (activity limits) are similar to the restrictions on the main card.
42 The type of payment system, the name of the card product and the validity period of the sticker card are determined by the Bank.
43 If technically possible
44 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
45 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
2.6. "Virtual Card"
VISA, Mastercard or MIR "Virtual" |
|
2.6.1. Card issue without opening a card account |
|
2.6.2. Card service after expiration |
if the client does not submit an application for the return of the balance of funds within three years, a commission is charged in the amount of unused balance |
2.6.3. Crediting funds to the card |
not charged |
2.6.4. Cash withdrawal |
not implemented |
2.6.5. Payment for goods and services by bank card |
not charged |
2.6.6. Conversion fee 48 |
not charged |
46 Cards are issued without opening a current card account. The cost of issuing the card includes the SMS-service package. The type of payment system and the validity period of the card is determined by the Bank. From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
47 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
2.7. "Gift card"
Visa or Mastercard Unembossed/NONAME |
Mastercard Gold sticker card |
|
2.7.1. Issuance and annual maintenance of the main or additional card |
||
2.7.2. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
service not provided |
|
2.7.3. Cash withdrawal |
service not provided |
|
2.7.4. Payment for goods and services with a bank card |
not charged |
|
2.7.5. Replenishment of the Card |
reusable, |
48 Cards are issued subject to availability and without opening a current card account. Issued without the holder's name on the Card. The validity period and type of the card is set by the Bank
2.8. "Corporate card"
Visa Gold or Mastercard Gold |
|
2.8.1. Issuance of a main or additional card for a period of 1 year |
|
2.8.2. Card reissue by term (extension) |
|
2.8.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
|
2.8.4. Cash advance 50: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
|
— through VTB Group ATMs and Post Bank ATMs 51 |
|
— through ATMs and cash points of partner banks 52 |
|
— through ATMs and cash points of other banks |
4% minimum 250 rubles. |
2.8.5. Payment for goods and services with a bank card |
not charged |
2.8.6. Conversion fee 53 |
not charged |
2.8.7. Depositing cash through ATMs of PJSC "SAROVBUSINESSBANK" with cashin function |
not charged |
49 Restrictions set on the card for cash withdrawal operations: 100,000 rubles. per day and 150,000 rubles. per month
50 If technically possible
51 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
52
3. Issue tariffs. Issue and maintenance of bank settlement (debit) cards of the national payment system "Mir"
3.1. "Common for individuals" using settlement (debit) cards of the national payment system "Mir", the currency of the card account is Russian rubles
World Premium |
|
3.1.1. Issuing a main or additional card |
|
3.1.2. Annual service in the first year of validity of the main or additional card |
not charged |
3.1.3. Annual maintenance of the main or additional card in the second and subsequent years |
|
3.1.4. Card reissue by term (extension) |
not charged |
3.1.5. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
|
3.1.6. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK"; |
not charged |
— via ATMs of VTB Group and ATMs of Post Bank PJSC 56 |
not charged |
— through ATMs and cash points of partner banks 57 |
|
— through ATMs and cash points of other banks |
1% minimum 100 rubles. |
3.1.7. Payment for goods and services by bank card |
not charged |
3.1.8. Conversion fee 58 |
not charged |
3.1.9. Calculation of interest on the balance of funds on the card account |
service not provided |
3.1.10. Cashback |
1%, but not more than 3000 rubles. per month |
55 From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge. Charged annually for each year the card is valid from the card account. At the same time, the service year is taken equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the countdown of the first service year begins from the date of issue of the card, and each subsequent one - from the date following the end date of the previous service year. Commission calculations are carried out on the first business day of the Card service year, in the absence of funds on the specified date at the end of the business day in the amount necessary to pay the commission, the Client's Card is blocked and not serviced. At the first receipt of money on the card account, the annual service fee is charged in full, the Card blocking is removed. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.
56 If technically possible
57 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
58 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
3.2. "Representative" for individuals, account currency Russian rubles
WORLD Premium |
|
3.2.1. Issue, re-issue of the card by validity period (renewal) and annual maintenance of the main card 64 |
not charged |
3.2.2. Reissue of the card in cases of replacement of the main card in case of damage, change of full name, loss of the card or PIN |
|
3.2.3. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— via ATMs of VTB Group and ATMs of Post Bank PJSC 65 |
not charged |
— through ATMs and cash points of partner banks 66 |
|
— through ATMs and cash points of other banks |
1% minimum 100 rubles. |
3.2.4. Payment for goods and services by bank card |
not charged |
3.2.5. Conversion fee 67 |
not charged |
3.2.6. Calculation of interest on the balance of funds on the card account |
not charged |
3.2.7. Cashback |
1%, but not more than 3000 rubles. per month |
64 No more than one card is issued to the card account
65 If technically possible
66 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
67 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
3.3. "Pension card" for individuals, account currency - Russian rubles
WORLD Classic Impersonal 69 |
|
3.3.1. Issuance and annual maintenance of the main or additional card |
not charged |
3.3.2. Reissue of the card for a period of 70 (extension) |
not charged |
3.3.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, loss of the card or PIN |
not charged |
3.3.4. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— via ATMs of VTB Group and ATMs of Post Bank PJSC 71 |
not charged |
— through ATMs and cash points of other banks |
1% minimum 100 rubles. |
3.3.5. Payment for goods and services by bank card |
not charged |
3.3.6. Conversion fee 73 |
not charged |
3.3.7. Calculation of interest on the balance of funds on the card account |
4.5% per annum, monthly |
68 Card accounts and cards are opened for pensioners upon presentation of a pension certificate, or for persons who have reached retirement age in accordance with applicable law. For citizens who have a permanent place of residence outside the Russian Federation, an international payment system card is additionally issued at the "Representative" tariff with the opening of a separate account.
69 Issued without the holder's name on the Card. The card is not designed to work on the Internet.
70
71 If technically possible
72 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
73 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
3.4. "Social security card" for individuals, account currency - Russian rubles
WORLD Classic Impersonal 75 |
|
3.4.1. Issuance and annual maintenance of the main/additional card |
not charged |
3.4.2. Card reissue by term 76 (extension) |
not charged |
3.4.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, loss of the card or PIN |
|
3.4.4. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— through ATMs of VTB Group and ATMs of Post Bank PJSC |
not charged |
— through ATMs and cash points of other banks |
1%, minimum 100 rubles |
3.4.5. Payment for goods and services by bank card |
not charged |
3.4.6. Conversion fee 79 |
not charged |
3.4.7. Calculation of interest on the balance of funds on the card account |
not charged |
74 The card is intended for enrollment of benefits and other social payments
75 It is issued subject to technical feasibility without putting the holder's name on the Card. The card is not designed to work on the Internet and receive cash in third-party banks.
76 The validity period of the card is determined by the Bank. Upon renewal, a personalized MIR Classic card is issued
78 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
79 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
4. Issuing tariffs for payroll projects
4.1. "Salary card", account currency - Russian rubles
MIR Classical |
VISA Classic |
WORLD Premium |
VISA Gold |
|
4.1.1. Issue and maintenance during the validity period of 81 main/additional cards |
not charged / 200 rub. 82 |
not charged / 500 rub. 83 |
||
4.1.2. Card reissue by term (extension) |
not charged 86 |
|||
4.1.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
||||
4.1.4. Issue 90, reissue by validity (renewal), reissue in cases of replacement / loss and maintenance during the period 91 of the validity of an additional sticker card |
||||
4.1.5. Cash withdrawal: |
||||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
|||
— through VTB Group ATMs and Post Bank ATMs 92 |
not charged |
|||
— through ATMs and cash points of partner banks 93 |
||||
— through ATMs and cash points of other banks |
1%, |
1%, |
1%, |
1%, |
- using a sticker card |
not implemented |
|||
4.1.6. Payment for goods and services by bank card |
not charged |
|||
4.1.7. Conversion fee 98 |
not charged |
|||
4.1.8. Calculation of interest on the balance of funds on the card account |
not charged, |
|||
4.1.9. Cashback |
service not provided |
1%, but not more than 3000 rubles. per month |
service not provided |
80 The tariff is intended for individuals - employees of Enterprises (organizations), with the exception of budgetary institutions and organizations, card accounts and cards are opened subject to a transfer agreement wages and other payments of a social nature to the accounts of employees using bank cards with the Enterprise (organization). The tariff is also applied to employees of PJSC "SAROVBUSINESSBANK".
81 The issue of cards can be paid for by the Enterprise (organization) in accordance with the concluded agreement on the transfer of wages and other social payments to the accounts of employees using bank cards. The validity period of the card is determined by the Bank.
82 Unless otherwise specified in the agreement with the Enterprise (Organization)
83 Unless otherwise specified in the agreement with the Enterprise (Organization)
84 Unless otherwise specified in the agreement with the Enterprise (Organization)
85 Unless otherwise specified in the agreement with the Enterprise (Organization)
86 Unless otherwise specified in the agreement with the Enterprise (Organization)
87 Unless otherwise specified in the agreement with the Enterprise (Organization)
88 Unless otherwise specified in the agreement with the Enterprise (Organization)
89 Unless otherwise specified in the agreement with the Enterprise (Organization)
90 Technological features of the sticker card support payment for goods and services using contactless technologies. If there is a technical possibility, Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. customer on the check. A sticker card with a card account can only be issued as an additional card. Restrictions on permitted operations using a sticker card (activity limits) are similar to the restrictions on the main card.
91 The type of payment system, the name of the card product and the validity period of the sticker card are determined by the Bank.
92 If technically possible
93 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
94 Unless otherwise specified in the agreement with the Enterprise (Organization)
95 Unless otherwise specified in the agreement with the Enterprise (Organization)
96 Unless otherwise specified in the agreement with the Enterprise (Organization)
97 Unless otherwise specified in the agreement with the Enterprise (Organization)
98 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
4.2. "Salary card for budget payments", account currency - Russian rubles
MIR Classical |
WORLD Premium |
MIR Premium, special design 100 |
|
4.2.1. Issue and maintenance during the validity period of the main/additional card |
not charged / |
not charged / |
|
4.2.2. Card reissue by term (extension) |
not charged 103 |
not charged |
|
4.2.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
|||
4.2.4. Cash withdrawal: |
|||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
||
— through ATMs of VTB Group and ATMs of Post Bank PJSC 106 |
not charged |
||
— through ATMs and cash points of partner banks 107 |
|||
— through ATMs and cash points of other banks |
1%, |
||
4.2.5. Payment for goods and services by bank card |
not charged |
||
4.2.6. Conversion fee 109 |
not charged |
||
4.2.7. Calculation of interest on the balance of funds on the card account |
|||
4.2.8. Cashback |
service not provided |
1%, but not more than 3000 rubles. per month |
0.5%, but not more than 3000 rubles. per month |
99 The tariff is intended for individuals - employees of budgetary state and municipal bodies, institutions, state off-budget funds; government employees and recipients of government scholarships. Card accounts and cards are opened in the presence of an agreement on the transfer of wages and other payments of a social nature to the accounts of employees using bank cards with the Enterprise (Organization).
100 The tariff is intended incl. for individuals - employees of Organizations, recipients of payments from the budget of the city of Sarov under a separate agreement
101 Unless otherwise specified in the agreement with the Enterprise (Organization)
102 Unless otherwise specified in the agreement with the Enterprise (Organization)
103 Unless otherwise specified in the agreement with the Enterprise (Organization)
104 Unless otherwise specified in the agreement with the Enterprise (Organization)
105 Unless otherwise specified in the agreement with the Enterprise (Organization)
106 If technically possible
107 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
108 Unless otherwise specified in the agreement with the Enterprise (Organization)
109 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
4.3. "Salary card for employees of Rosatom enterprises in Sarov", account currency - Russian rubles
MIR Classical |
VISA Classic or |
WORLD Premium |
VISA Gold or |
|
4.3.1. Issuance and maintenance during the validity period of 111 main/additional cards |
service is not provided 112 |
not charged / |
not charged / |
|
4.3.2. Card reissue by term (extension) |
service not provided |
not charged 115 |
||
4.3.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
service not provided |
|||
4.3.4. Issue 116 , reissue by validity (extension), reissue in cases of replacement / loss and maintenance during the period 117 of the validity of an additional sticker card |
||||
4.3.5. Cash withdrawal: |
||||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
|||
— through ATMs of VTB Group and ATMs of Post Bank PJSC 118 |
not charged |
|||
— through ATMs and cash points of partner banks 119 |
||||
— through ATMs and cash points of other banks |
1%, |
1%, |
1%, |
1%, |
- using a sticker card |
not implemented |
|||
4.3.6. Payment for goods and services by bank card |
not charged |
|||
4.3.7. Conversion fee 124 |
not charged |
|||
4.3.8. Calculation of interest on the balance of funds on the card account |
not accrued, unless otherwise specified in the agreement with the Enterprise (organization) |
|||
4.3.9. Bonus programs (optional) 125: |
||||
— Accrual of miles when making transactions using a card or a sticker card in trade and service enterprises for use within the service eqvilibria.ru ; |
service not provided |
service not provided |
1 mile = 30 rubles |
|
— Cashback |
service not provided |
1%, but not more than 3000 rubles. per month |
110 The tariff is intended for individuals - employees of Rosatom Enterprises (organizations), including employees of FSUE "RFNC-VNIIEF"
111 The issuance of cards can be paid for by the Enterprise (organization) in accordance with the concluded agreement on the transfer of wages and other payments of a social nature to the accounts of employees using bank cards. The validity period of the card is determined by the Bank.
112 The issuance of cards has been discontinued since 04/02/2018.
113 Up to 5 additional cards to one card account are issued free of charge. Charged when issuing the 6th and subsequent additional cards
114 Up to 5 additional cards to one card account are issued free of charge. Charged when issuing the 6th and subsequent additional cards
115 Unless otherwise specified in the agreement with the Enterprise (Organization)
116 Technological features of the sticker card support payment for goods and services using contactless technologies If there is a technical possibility Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. customer on the check. A sticker card with a card account can only be issued as an additional card. Restrictions on permitted operations using a sticker card (activity limits) are similar to the restrictions on the main card.
117 The type of payment system, the name of the card product and the validity period of the sticker card are determined by the Bank.
118 Subject to availability
119 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
120 Unless otherwise specified in the agreement with the Enterprise (Organization)
121 Unless otherwise specified in the agreement with the Enterprise (Organization)
122 Unless otherwise specified in the agreement with the Enterprise (Organization)
123 Unless otherwise specified in the agreement with the Enterprise (Organization)
124 The amount of the transaction in foreign currency is converted into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
125 The bonus program (one of the available ones: either accrual of miles or cashback) is set upon card issuance and cannot be changed until the end of the card's validity period. By default, cards are issued with bonus program cashback.
5. Issuing tariffs. Servicing bank cards whose issuance has been discontinued
5.1. "General for individuals", "Card plus Deposit" for cards issued before 04/01/2018
MIR Classical |
VISA Electron or Maestro |
VISA Classic 126 or |
|
5.1.1. Issuing a main or additional card |
service not provided |
||
5.1.2. Annual service in the first year of validity of the main or additional card |
not charged |
||
5.1.3. Annual maintenance of 128 main or additional cards in the second and subsequent years: |
|||
— for the tariff "General for individuals"; |
RUB 150 / USD 5 / EUR 5 |
RUB 500 / USD 20 / EUR 20 |
|
— for the tariff "Card plus deposit" |
not charged |
||
5.1.4. Card reissue by term (extension) |
service not provided |
||
5.1.5. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
service not provided |
||
5.1.6. Cash withdrawal: |
|||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
||
— through VTB Group ATMs and Post Bank ATMs 129 |
not charged |
||
— through ATMs and cash points of partner banks 130 |
|||
— through ATMs and cash points of other banks |
1% minimum 100 rubles. |
1% minimum RUB 250 / USD 3 / EUR 3 |
|
5.1.7. Payment for goods and services by bank card |
not charged |
||
5.1.8. Conversion fee 131 |
not charged |
||
5.1.9. Calculation of interest on the balance of funds on the card account |
not charged |
||
5.1.10. Cashback |
service not provided |
126 From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
127 From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
128 Charged annually for each year the card is valid from the card account. At the same time, the service year is taken equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the countdown of the first service year begins from the date of issue of the card, and each subsequent one - from the date following the end date of the previous service year. Commission calculations are carried out on the first business day of the Card service year, in the absence of funds on the specified date at the end of the business day in the amount necessary to pay the commission, the Client's Card is blocked and not serviced. At the first receipt of money on the card account, the annual service fee is charged in full, the Card blocking is removed. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.
129 If technically possible
130 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
131 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
5.2. "Pensionary" for cards issued before 07/01/2017.
VISA Electron or Maestro or Mastercard Standard |
|
5.2.1. Issuance and annual maintenance of the main or additional card |
service not provided |
5.2.2. Card reissue by term (extension) |
service not provided |
5.2.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
service not provided |
5.2.4. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— through VTB Group ATMs and Post Bank ATMs 132 |
not charged |
— through ATMs and cash points of partner banks 133 |
|
— through ATMs and cash points of other banks |
1% minimum 250 rubles. |
5.2.5. Payment for goods and services by bank card |
not charged |
5.2.6. Conversion fee 134 |
not charged |
5.2.7. Calculation of interest on the balance of funds on the card account |
4.5% per annum, monthly |
132 If technically possible
133 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
134 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
5.3. "Card plus" for cards issued before 10/01/2019.
MIR Premium, card account currency - Russian rubles |
Visa, MasterCard card account currency - US dollars or euros |
|
5.3.1. Issue 135 and annual maintenance of the main or additional card for the entire period of validity |
service not provided |
|
5.3.2. Card reissue by term (extension) of the main or additional card |
service not provided |
|
5.3.3. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
service not provided |
|
5.3.4. Cash withdrawal: |
||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
|
— through VTB Group ATMs and Post Bank ATMs 136 |
not charged |
|
— through ATMs and cash points of partner banks 137 |
||
— through ATMs and cash points of other banks |
1% minimum 100 rubles. |
1% minimum 3 USD US/3 EUR |
5.3.5. Conversion fee 138 |
not charged |
|
5.3.6. Calculation of interest on the balance of funds on the card account |
not charged |
|
5.3.7. Cashback |
1%, but not more than 3000 rubles. per month |
service not provided |
135 From 01.10.2019 SMS service and Viber notifications are provided for a fee. When connecting SBB Mobile, Push notifications are provided free of charge.
136 If technically possible
137 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
138 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account.
6. Issuing tariffs. Bank cards with grace periods.
6.1. "Credit card. Cache"
6.1. "Credit card. CASH" 135 |
Mastercard Gold / VISA Gold / MIR Premium |
|
6.1.1. Issuing a main or additional card |
not charged |
6.1.2. Annual service in the first year of validity of the main or additional card |
not charged |
6.1.3. Annual maintenance of 139 main or additional cards in the second and subsequent years |
|
6.1.4. Card reissue by term (extension) |
not charged |
6.1.5. Card reissue in cases of replacement of the main / additional bank card in case of damage to the card, change of full name, loss of the card or PIN |
|
6.1.6. Issue 140 , reissue by validity period (extension), reissue in cases of replacement / loss and service during the validity period 141 of an additional sticker card |
|
6.1.7. Conditions, terms of granting and size of the credit limit |
by separate agreement |
6.1.8. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
4%, minimum 300 rubles. |
— through VTB Group ATMs and Post Bank ATMs 139 |
4%, minimum 300 rubles. |
— through ATMs and cash points of partner banks 140 |
4%, minimum 300 rubles. |
— through ATMs and cash points of other banks |
4%, minimum 300 rubles. |
- using a sticker card |
not implemented |
6.1.9. Payment for goods and services by bank card |
not charged |
6.1.10. Conversion fee 142 |
not charged |
6.1.11. Transfer by card number to other cards |
service not provided |
6.1.12. Cashback |
service not provided |
139 Issued subject to availability
140 Charged annually for each year the card is valid from the card account. At the same time, the service year is taken equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the countdown of the first service year begins from the date of issue of the card, and each subsequent one - from the date following the end date of the previous service year. Commission calculations are made on the first working day of the year of servicing the Card. Upon the first receipt of money to the card account, the annual service fee is charged in full. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.
141 Technological features of the sticker card support payment for goods and services using contactless technologies. If there is a technical possibility, Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. customer on the check. A sticker card with a card account can only be issued as an additional card. Restrictions on permitted operations using a sticker card (activity limits) are similar to the restrictions on the main card.
142 The type of payment system, the name of the card product and the validity period of the sticker card are determined by the Bank.
143 If technically possible
144 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"
145 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the exchange rate of SAROVBUSINESSBANK PJSC on the day the transaction is reflected on the card account
7. Additional services for bank cards
7.1.1. Connection to SMS-services via ATM
not charged
7.1.2. SMS service, incl. SMS-messages - notifications about the completion of each transaction using a card to a mobile phone number
RUB 59 / USD 0.9 / EUR 0.9 per month 146
7.1.4. Push notifications when connected to SBB Mobile
not charged
is not provided
7.2. Providing, at the request of the cardholder, information on the available spending limit on the bank card using ATMs of other banks
RUB 30 / USD 0.6 / EUR 0.6 per request
7.3. Request for documents confirming the transaction outside the acquiring network of PJSC "SAROVBUSINESSBANK" in the presence of a statement of disagreement with the transaction
ruble equivalent of 5 US dollars for each requested document
7.4. Change of PIN at ATMs of PJSC "SAROVBUSINESSBANK"
30 rubles / 1 dollar USA /1 euro
By posting relevant information in the SBB Online / SBB Mobile remote banking system;
By sending a notification (information) to an email address;
Obtaining a mini-statement of transactions performed using a bank card at ATMs of PJSC "SAROVBUSINESSBANK"
not charged
146 The monthly fee is charged on the date of connection of the service after the provision of the service for full month. The first collection of the tariff established from 10/01/2019 is carried out starting from 11/01/2019. for services rendered in October 2019.
147 The monthly fee is charged on the date of connection of the service after the provision of the service for a full month. The first collection of the tariff established from 10/01/2019 is carried out starting from 11/01/2019. for services provided in October 2019, unless otherwise specified in the contract with the Enterprise (Organization).
148 Unless otherwise specified in the agreement with the Enterprise (Organization)
149 The monthly fee is charged on the date of connection of the service after the provision of the service for a full month.
150 The monthly fee is charged on the date of connection of the service after the provision of the service for a full month. Unless otherwise specified in the agreement with the Enterprise (Organization)
8. Tariffs for acquiring operations |
Name |
Rate |
Types of bank cards |
8.1. Execution of settlements with trading enterprises for transactions made through the terminals of the Bank under the Agreements "On the sale of goods (services) using bank cards ( merchant acquiring) 151 |
PEACE |
|
8.2. Issuance of cash rubles at ATMs of PJSC "SAROVBUSINESSBANK" for other cardholders credit institutions |
not charged |
PEACE |
8.3. Issuance of cash rubles at cash points (PVN) of PJSC "SAROVBUSINESSBANK" for cardholders of other credit institutions |
not charged |
PEACE |
8.4. Withdrawal of cash in US dollars or euros at Cash Dispensing Points (COPs) and ATMs of PJSC "SAROVBUSINESSBANK" for cardholders of other issuers |
is not provided |
VISA |
8.5. Maximum amount cash withdrawal for one operation using cards of other banks at ATMs of PJSC "SAROVBUSINESSBANK" |
6 000 rub. |
PEACE |
8.6. The maximum amount of cash withdrawal per transaction using cards of other banks at cash points (CPs). |
6000 rub. or equivalent in USD or EUR |
PEACE |
Table 1
Terminal turnover calculated for the past calendar month in accordance with clause 4.9 of the Agreement |
Part of the remuneration, determined as a % of the amount transferred by the Bank in accordance with clause 4.3. Agreements |
Part of the remuneration determined fixedly for each terminal installed under the Agreement, depending on the monthly turnover on this terminal, |
up to 100,000 rubles/month inclusive |
||
from 100,000.01 to 200,000.00 rubles/month inclusive |
||
RUB 200,000.01/month and more |
not charged |
151 Charged from the merchant
9. Tariffs for online transfers from card to card at ATMs of PJSC "SAROVBUSINESSBANK"
152 If it is technically possible to perform the operation