General conditions for the issue, maintenance and use of bank cards. Rules for servicing a debit bank card Conditions for issuing joint bank cards
General conditions for release, maintenance and use bank cards
Ufa 2011
1. INTRODUCTION
1.1. These General Conditions for the Issue and Servicing of Bank Cards (hereinafter referred to as the “Conditions”) define 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 described in more detail below. Conditions, Tariffs for the issuance and servicing 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 issue and servicing of bank cards between the Client and the Bank (hereinafter referred to as the “Agreement”).
1.2. The Terms govern the opening and servicing 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 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 (agreements) or rules and service procedures that may be established by the Bank from time to time. In the event of a conflict between the provisions of such separate agreements, service policies or procedures and the provisions of these Terms, the provisions of the applicable separate agreements, service policies or procedures shall control.
1.3. Any lending in the form of opening a credit line to the Client’s SCS 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 lend to the Client in the manner determined by the Bank.
1.4. The place of execution of the Agreement is the location of the Bank, branch, additional office of the Bank that acted on behalf of the Bank when concluding the Agreement. These Terms apply to all Divisions of the Bank.
1.5. The issuance and servicing of the Card and all Additional Cards is carried out in accordance with the terms of the Agreement and the Bank's Tariffs.
1.6. The card is the property of the Bank.
1.7. Use of the Card by someone other than its Holder is not permitted. The Client is responsible for the use of the Card. All transactions performed using the Additional Card, by the person in whose name it was 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 the event of termination of the Agreement and additional agreements, all Cards issued under the Agreement and additional agreements are declared invalid and must be returned to the Bank.
1.10. In case of suspension or termination of the Card issued under the Agreement, the settlement 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 expiration of its validity period or the date of submission of an application for the loss of the Card to the Bank.
Additional terms
Authorization- permission provided by the Bank to conduct a Card Transaction and the resulting obligation to execute the submitted documents drawn up using the Card or its number. In certain cases established by Payment Systems, Card Transactions may be carried out without Authorization (hereinafter referred to as Non-Authorized Transactions), which does not negate the need for mandatory execution of submitted documents drawn up using the Card or its number; a procedure as a result of which the Client’s rights are certified, his instructions to the Bank to carry out transactions are confirmed, and as a result of which the Bank’s obligations to carry out transactions arise.
Analogue of a handwritten signature (ASP) – details of an Electronic document intended to protect it from forgery, uniquely comparable to this document, allowing one to uniquely identify the person who signed the document (confirmation of authorship), as well as to establish the absence of distortion of information in the Electronic document (confirmation of the integrity of the Electronic document).
Bank –.
Bank card (Card)– 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 the SCS, or through a loan in the form line of credit provided by the Bank to the Client in the manner prescribed by the Loan Terms).
Card blocking – prohibition by the Bank of using the Bank Card to carry out transactions (including such a prohibition that entails the seizure of the Bank Card when attempting to use it).
Bank card holder– an individual in whose name the Bank issued the Main Bank Card and/or Additional Bank Card.
Additional Card– Card issued to the Client’s SCS in the name of the individual specified by the Client, and not being the Main Card.
Credit limit– the maximum allowable amount of the Client’s debt under the Loan.
Grace period - period interest-free use 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 carrying out Transactions.
Payment period (from the 1st to the 20th of each month) - the period of time following the Billing Period, during which the Client must ensure that there is an amount on the Account in the amount of not less than the Minimum Monthly Payment, as well as, if any, penalties and commissions in accordance with the Tariffs.
Total loan cost– the Client’s costs expressed as a percentage for obtaining, servicing the Loan and repaying the debt under the Loan, provided for in the Agreement and Tariffs, which the Client is aware of at the time of concluding the Agreement or changing the terms of the Agreement. The full cost of the loan is calculated subject to the monthly repayment by the Client of the amount of debt on the Loan in the amount 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) - current account of an individual with the Bank for recording transactions made using payment cards issued for this account.
Revolving loan– a multiple-term loan, renewable after each corresponding repayment. 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 to Clients, applicable interest rates, amounts of penalties (fines, fines), and other information. Special Tariffs (for example, tariffs for specific transactions, tariffs in relation to certain groups of Clients, tariffs established for individual Bank Divisions) have priority over general (standard) Tariffs.
Regardless of how long ago the Agreement between the Client and the Bank was concluded, the Tariffs and conditions in force on the date of the transaction are applied to the Client, unless otherwise provided by the General Conditions, the Agreement, Tariffs or Rules for the Use of Cards
Tariffs are an integral part of the Agreements.
Trade and service enterprise (TSE) - A legal entity or individual - an individual entrepreneur who accepts documents drawn up using Cards as payment for goods provided (services, work, 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 the individual terms of 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.
Notification about opening a credit line- an information message in written/oral form or via SMS message or email message sent by the Bank to the Client in the event that the Bank accepts the credit limit.
Other terms used in General conditions on the issue, maintenance and use of Cards written with capital letters have the same meaning as the Agreement.
2. SCS service with the ability to use the Card
2.1. Account Mode
2.1.1. The provisions of this Section apply to SCS 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 SCS Operations and Card Operations in accordance with the current legislation of the Russian Federation, regulations of the Bank of Russia and the Agreement.
2.1.3. Cash held on the SCS is used for settlements on transactions with Cards (transactions for payment for goods and services, transactions for receiving cash).
2.1.4. The client has the right to deposit cash into the SCS in SCS currency; funds received in compliance with the norms of the current legislation of the Russian Federation can be credited to the SCS by non-cash transfer.
2.1.5. The Bank conducts transactions using SCS, issues certificates and statements to the Client upon presentation of a passport or other identification document.
2.1.6. Transfer of funds from SCS is carried out solely on the basis of the Client’s Application, and the settlement documents necessary to carry out the specified banking transaction are drawn up and signed by the Bank.
2.1.7. The Bank accrues interest on the balance of funds on SCS in the amount provided for in the Tariff on a monthly basis, no later than the 5th working day of the month following the reporting month.
2.1.8. Debiting (crediting) funds from SCS as a result of using the Card or 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 is recognized by the Bank and the Client as orders of funds on the Client’s SCS, given by an authorized person.
2.1.9. The Client instructs the Bank to write off without acceptance from his SCS the amounts specified in clause 5.3 of these conditions.
2.1.10. If the currency of the Card Transaction differs from the Account currency, the amount of the Card Transaction is converted into the Account currency 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 will convert the amount of the Card Transaction into the Currency of settlements at the rate established by the Payment System, taking into account the transaction fee non-cash transaction in a currency different from the Account currency charged by the Bank according to the Tariffs. If the settlement currency differs from the Account currency, then the Bank carries out conversion into the Account currency 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 carries out the conversion to the Account currency at the Bank’s internal rate on the day of the Card Transaction.
2.1.11. Transactions 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 changes in the Available Balance on the Card before each Transaction on the Card and carry out Transactions on the Card only within the limits of the Available Balance on the Card.
2.1.12. The annual fee for servicing a Bank Card is charged at the time of submission of the Application Form for the issue of a Bank Card in accordance with the Tariffs in force on the date of submission and further on last month 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 a Bank card upon expiration, or for the purpose of early re-issuance of a Bank card if it is necessary to replace plastic, in case of loss, loss or theft of a Bank card on new term actions are carried out by the Bank only when the Client personally contacts the Bank on the basis of a corresponding 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 reissue of the Bank Card in accordance with the Tariffs in effect at that time .
2.1.15. The Client undertakes to receive a new Bank Card, or a Bank Card reissued by the Bank for a new validity period, from the Bank within 6 months from the date of contacting the Bank with an application for issue, or within 6 months from the date of expiration of the previous card, in which case the Bank Card is assigned a new Pin.
2.1.16. The fee for re-issuing a Bank Card (if any) is charged at the time of submitting an application for re-issue in accordance with the Tariffs in force at that time.
2.1.17. After the expiration of the above periods, during which the Client undertakes to receive the Bank Card, the Bank destroys the unclaimed Bank Card, and the commission charged for annual maintenance Bank card is not returned.
2.1.18. If the Bank stops issuing a Bank card of the corresponding type, the Client may, at his request, be issued a Bank card of a different type, for which the Client must personally contact the relevant Division of the Bank.
2.1.19. If the Client wishes to refuse servicing with a Bank Card next year, the Client is obliged to return the Main and Additional cards to the Bank upon expiration of their validity period.
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 enterprises (services), as well as for errors that occurred as a result of the actions / inaction of third parties.
2.1.21. The card may be withdrawn by an ATM by order of the Bank if:
The permissible number of attempts to enter an incorrect PIN code has been exceeded;
The Card was forgotten by the Card holder 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:
When terminating the Agreement simultaneously with submitting an application for termination of the Agreement (closing the SCS), unless otherwise established by the Bank, no less than 30 days before the expected date of closure of the Account. An annual fee for servicing a Bank card is charged for each full and partial year;
Upon expiration of the Card, unless otherwise established by the Bank;
If the Client discovers a Card, the loss of which the Client previously reported;
At the Bank's request, if the Bank has information about probable or actual illegal Card Transactions;
When the Card is reissued (except for cases where 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 the Client’s obligations arising during Card Transactions, the amounts of the Bank’s commission according to the Tariffs, and other debts of the Client to the Bank are 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 and 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 such other documents as the Bank may require the Client to provide, the Bank will determine whether the Client meets the lending criteria established by the Bank from time to time. If the Bank, in its sole discretion, determines that the Customer meets these lending criteria, the Bank will establish a limit for the Customer in the form of a line of credit (i.e., the limit up to which credit may be provided to the Customer) and open a Loan Account. The Customer 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, email, fax and other available methods) about the established credit limit and about the opening of a credit line to the SCS.
3.2. In case of absence or insufficiency own funds to the Client’s SCS for performing 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 the loan is granted is considered the day the Bank credits funds to the Client’s SCS
3.4. The client can use a loan within the credit limit by carrying out transactions using SCS and a Bank Card (including transactions 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 Client accounts and third party accounts). 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 size of the available limit as a result of applicable 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 features reflected in these Conditions, for the use of the Credit the Bank charges interest daily in the amount established in the Tariffs or in the Offer. Interest on the loan amount is accrued by the Bank on the balance of the principal debt (from the day following the day the loan was granted until the date of full repayment of the loan (inclusive)). When calculating interest, the actual number of calendar days in the month and year is taken into account.
3.6. When calculating interest on the loan amount, the Grace period(period of interest-free use of the Credit), which begins on the 1st day of the month and ends 20 date of the month following the month the loan was provided.
3.7. If the loan debt is repaid in full during the Grace Period, the Client will not pay interest on the use of the loan.
3.8. If the principal debt is not repaid in full during the Grace period, interest for using the Loan is accrued starting from the day following the day the Loan is provided and is paid in the manner and within the time limits established by the Offer and the Bank's Tariffs.
3.9. If the end date of the grace period falls on a non-working day, then this date is transferred to the previous working day.
3.10. The Credit Limit is revolving, i.e. the funds received to repay the Loan restore the available Credit Limit to the amount of the repaid Loan no later than the day following the day of repayment.
3.11. Every month, 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 principal 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; the amount of accrued overdue interest; amounts of unresolved debt; amounts of overdue debt.
3.12. If the MEP date falls on a non-working day, the loan payment period is determined as follows:
- if after this date there are working days until the end of the month, then the MEP is transferred to the next working day; otherwise, the last working day of the month.
3.13. Any payment, transfer or deposit of cash received by SCS goes towards repaying the Client’s obligations under the Loan in the following order:
· penalties for overdue interest;
· penalties for overdue loans;
· overdue interest;
· overdue loan;
· interest on current loan;
· current loan.
3.14. If the Client has not fully repaid the MEP within the time limits specified in clause 3.11 of these Terms, Minimum amount repayment of the principal debt, or part thereof, the amount of outstanding accrued interest on the Loan and the amount of outstanding commission is considered overdue.
3.15. When providing a Loan or changing the terms of lending, the Bank informs the Client about the amount of the Total cost of the loan. The calculation of the Full cost of the loan is carried out by the Bank in accordance with the Directive of the Bank of Russia dated 01.01.01 “On the procedure for calculating and communicating to the borrower - an individual the full 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/Credit Offer based on the maximum debt in the amount of the established Credit Limit, the credit 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), the fee for the annual card servicing provided for in the Tariffs , fees for servicing the Card Account provided for in the Tariffs;
For a card issued in accordance with the Proposal for individual conditions for issuing a card, based on the maximum debt in the amount of the established Credit Limit, the credit 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), provided for in the Proposal for individual conditions for issuing the card, commission for annual card servicing provided for in the Tariffs, commission for servicing the Card Account provided for in the Tariffs;
The calculation of the Total cost of the loan includes cash flows (payments), the amounts and payment terms of which are known at the time of conclusion of the Agreement. The calculation of the Full cost of the loan is carried out 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 under the SCS) are included in the calculation with opposite mathematical signs, namely: the provision of a Credit 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 to pay the Minimum Payment is included in the calculation with a plus sign.
The calculation of the Total cost of the loan does not include:
– payments by the Client, the obligation to make which by the borrower arises not from the Agreement, but from the requirements of the law;
– Client payments provided for in the Agreement, Client payments, the amount and (or) payment period of which depend on the Client’s decision and (or) the option of his behavior, including:
– penalty for late repayment of debt under the Agreement;
– fine for the formation of overdue debt under the Agreement;
– commission for issuing a new bank card in case of loss/damage of the bank card or PIN code for it;
– commission for the annual servicing of the Additional card;
– commission for issuing/receiving cash from/to SCS;
– commission for the “Information Service” service;
– commission for providing settlement documents and duplicates of documents for transactions carried out using SCS;
– commission for carrying out transactions using a bank card in a currency other than the SCS currency;
– other Bank commissions, the possibility of payment of which cannot be provided for when concluding the Agreement.
4. PROCEDURE FOR ISSUANCE, MAINTENANCE AND USE OF A BANK CARD
4.1. A non-personalized/personalized Card is issued on the basis of the Application Form for Card Issue issued by the Client:
When contacting a Bank Branch (in accordance with the selected Service Package);
When contacting a 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 as part of the Service Package selected by the Client.
4.3. Upon receipt of the Card, the Cardholder is obliged to immediately sign the Card in the place specially designated on the Card. The absence or discrepancy of the signature on the Card with the signature affixed by the Cardholder on the document on transactions using the Card is grounds for refusal to accept the Card and withdrawal of such Card from circulation, without any compensation payments from IPS VISA Inc. and Bank.
4.4. Each Card in individually a PIN code is assigned. The specified PIN is required when using the Card at retail outlets when paying for goods and/or services (POS terminals) and ATMs. The PIN is entered after the corresponding message appears on the display of the terminal and ATM. After three consecutive attempts to enter an incorrect PIN, the Card is blocked and confiscated by the retail outlet and ATM (transactions using the Card become impossible). The counter for the number of incorrectly typed PINs is reset to zero if the PIN is entered correctly, provided that the PIN was entered incorrectly from 1 (one) to 2 (two) times inclusive. The Bank is not responsible for the actions of merchant/bank employees who seized the Card.
4.5. Payment for goods/services and cash issuance are carried out on the terms and conditions in force at the merchant/bank that accepts the Card and is part of the VISA Inc. system.
4.6. When paying for purchases (services) or receiving cash using the Card, you must pay special attention to the transaction being carried out. The operation must be carried out only if the Cardholder is confident in making a purchase, receiving a service or receiving cash, since when performing Authorization in the Bank’s authorization database, the Payment limit of the Card is reduced by the amount of the transaction (including commission in accordance with current Tariffs of the Bank), i.e. the transaction amount, taking into account the corresponding commission, is blocked (reserved) on the Card. If the Cardholder refuses to purchase/service/receive cash on the day of payment for the purchase/service or receipt of cash, or the merchant settles with the client for car rental/hotel reservation and other transactions for which Authorization was previously made for the amount of the collateral reservation, merchant or the bank issuing cash must cancel the Authorization by executing 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 Payment limit of the Card, minus the blocked amount. Thus, a situation may arise when, if there are funds on the SCS, the Cardholder cannot use them. If documents are not received by the Bank within 14 days (in in electronic format), confirming the transaction, the transaction amount is unlocked automatically.
4.7. After receiving confirmation of a transaction using the Card, the Bank has the right to write off funds in accordance with the terms of the Agreement with SCS.
4.8. When making a payment or receiving cash using the Card, the Cardholder must sign a receipt or a print 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), which does not indicate the transaction amount. 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 the signatures, the cashier has the right to withdraw the Card without prior warning.
4.10. Under no circumstances is the Bank liable for commercial disagreements between the Cardholder and the merchant/bank accepting the Card, in particular, for disagreements due to the poor 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, the Cardholder may request a refund from the merchant only by wire transfer to SKS. Refunds for purchases/services are carried out by the merchant by issuing a slip/return receipt.
4.12. To clarify disputes regarding non-refund of funds to SCS after returning a purchase or refusing services, the Cardholder must provide the Bank with a slip/return check issued by the merchant or a letter from the merchant indicating all the parameters of the original transaction.
5.2.11. Apply for a statement to the Bank 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 SCS with the Bank or any other debt to the Bank;
· if the Client fails to comply with the terms of the Agreement, Conditions, Tariffs;
· if the information specified in the Application-Questionnaire/Client's Applications is found to be unreliable;
· in other cases of non-fulfillment (improper fulfillment) 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 if the Bank receives information about the death of the Client;
· if the Client’s SCS and/or the Client’s funds on the SCS to which the Card was issued are seized at the request of the authorized government agencies(officials);
· if enforcement (settlement) documents on the collection 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, reissue a previously issued Card with the same validity period, or reissue a previously issued Card with a new validity period without specifying any 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 directly write off funds from the Client’s SCS for transactions using Cards (both Main and Additional), commissions in accordance with the Tariffs, debt to the Bank, including amounts of interest, penalties charged by the Bank in accordance with the Tariffs, as well as the actual expenses incurred by the Bank for obtaining documents confirming transactions using the Card, the groundlessness 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 for loans provided that were not repaid on time, amounts tax payments calculated and retained by the Bank in accordance with current legislation, mistakenly enrolled in SCS.
5.3.5. In case of overspending on SCS, take measures starting from the day the corresponding debt arose: send the Client a notice demanding repayment of the debt, suspend or terminate the Cards, send the Client a notice demanding the return of the Cards to the Bank, charge interest/penalties on the debt amount 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. Client Rights
5.4.1. The Client has the right to make transactions via SCS using the Card/Cards.
5.4.2. The Client has the right, in case of disagreement with the amount of debits/credits reflected in the SCS statement, to appeal the disputed Transactions within 45 days from the date of reflection of the transaction on the SCS. Absence of written objections from the Client regarding transactions reflected in the statement before specified period means agreement with Transactions on the SCS and the amounts debited from the SCS/credited to the SCS.
6. Payment for bank services
6.1. The Client undertakes to pay the Bank all applicable Fees for servicing the Bank Card, SCS in accordance with the Tariffs. The Client agrees that all Commissions will be written off by the Bank from the SCS (including with an increase in loan debt) on the appropriate dates without any instruction or instruction from the Client, and the Client authorizes the Bank to carry out such write-offs of funds from the SCS, even if they the amount exceeds the available limit.
6.2. If the Agreement is terminated during the period of validity of Cards not submitted to the Bank, the Bank withholds a commission for termination of the said Cards in accordance with the current Tariff
6.3. If the Agreement is terminated before the expiration of the Cards, commissions previously paid to the Bank are not refunded.
7. Set-off of counterclaims
7.1. The Client agrees that the Bank has the right to use any positive balance of funds in the Client’s accounts with the Bank (regardless of the currency in which an account is maintained) to offset any monetary obligations of the Client to the Bank that were not fulfilled by the Client in accordance with the terms Agreement or other contracts or agreements on the basis of which such monetary obligations of the Client to the Bank arose. For these purposes, the Client authorizes the Bank to convert funds held in the Client’s accounts in one currency or another into the currency of the Client’s outstanding monetary obligation Client to the Bank at the non-cash rate, established by the Bank on the date of conversion.
7.2. The Client agrees that all securities, financial instruments and other assets of the Client located or held by the Bank (acting on behalf of the Client as a depository, broker, agent or in any other capacity) serve as security for any obligations of the Client to the Bank. The Customer authorizes the Bank to sell (or otherwise dispose of) any of the above assets of the Customer at their fair market price (and in the absence of a fair market price, at a price that the Bank considers reasonable) and to use the proceeds to satisfy the Customer's obligations to the Bank that are not were executed 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 verify the information provided by the Client to the Bank and authorizes the Bank to conduct any such verifications.
8.2. The Client agrees that the Bank has the right to conduct video surveillance, electronic surveillance or telephone recording in its premises in order to ensure the safety and proper quality of service to the Client without additional notification 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 communications between the Client and the Bank’s representative through the Information Center will be recorded by the Bank in order to ensure security and proper quality of services, and that such recordings may be used as evidence in any legal proceedings.
9. Legal Compliance
9.1. The Client is notified that all operations and services provided by the Bank to the Client are regulated by current legislative and regulations Russian Federation. (Certain types of transactions may also be subject to the laws of the foreign countries in which they are conducted, initiated or processed.) In accordance with current legislative and regulatory acts, the Bank may be assigned a number of control functions in relation to certain types of Client transactions (for example, foreign currency 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 Client’s accounts and transactions. For these purposes, the Bank may periodically request various documents and/or written explanations from the Client, and the Client agrees to provide them upon the Bank's request.
9.2. The Client agrees that if, in the opinion of the Bank, carrying out any operation under the Client’s SCS may entail a violation of current legislation, the Bank has the right to refuse or suspend such operation until the Client provides documents or other information that satisfies the Bank. requested by the Bank in connection with carrying out one or another 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 provides 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 controversial situation related to the SCS, 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 fax, electronic and other communications, as well as documents signed electronic signature or any other analogue of a handwritten signature, as written evidence when resolving disputes.
10.4. The Bank takes all possible measures to resolve the dispute and notifies the Client of the results of consideration of his application. To resolve a dispute that has arisen, the Bank may invite the Client to a personal meeting. If necessary, to resolve a dispute that has arisen, the Bank may engage a special expert (both an employee and a non-Bank employee) who has the necessary experience and knowledge in the relevant field.
11. Duration and termination of the Agreement
11.1. The Agreement comes into force from the moment the Card is issued to the Client. The agreement is valid for an indefinite period of time. Upon expiration of the Card and the Client’s Application for re-issuance of 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 SCS,
11.4. The Agreement does not terminate in the event of cancellation by the Bank credit limit, installed for the Client. In this case, the Bank sends a notification to the Client about the cancellation of the credit limit by written message, email, SMS or other in an accessible way in accordance with the terms of the Agreement.
11.5. In case of termination of the Agreement for any reason:
(a) SCS is subject to closure;
(b) the bank card issued to the Client (as well as additional cards) is 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 returns to the Client any positive balance on the Account (minus the amount of the Client's debt 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) issuing cash through the Bank's cash desk.
The Client agrees that the Bank’s implementation of one of the above methods of issuing funds will constitute proper fulfillment of the Bank’s obligation to return the Client’s funds upon expiration of the Agreement. (The Bank has the right to withhold the amounts of expenses associated with making transfers in accordance with the Tariffs).
11.7. Except for cases specifically provided for 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 on the date of termination, and also does not change or affect the rights and remedies granted to the Bank in accordance with the provisions of the Agreement in relation to any obligations of the Client arising before the date of termination of the Agreement and remaining unfulfilled by the Client on the date of termination.
11.8. If there are no funds on the SCS and transactions on this SCS within two years, the Bank has the right to refuse to execute the Agreement by warning writing about this Client. The agreement is considered terminated after two months from the date the Bank sent such a warning if funds have not been received by the SCS within this period.
11.9. The Client authorizes the Bank to terminate the Agreement and close the SCS without its additional statement if the Bank refuses to issue the Main Card.
12. General provisions
12.1. The Bank is not responsible for non-fulfillment or improper fulfillment of its obligations under the Agreement in the event that the fulfillment of such obligations by the Bank becomes impossible, difficult or delayed due to force majeure circumstances, which includes, without limitation, 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 Bank's performance of its obligations under the Agreement becomes illegal or unlawful, as well as sabotage, fires, floods, explosions, natural disasters, civil unrest, strikes and any employee protests, uprisings, riots, wars, government actions or any other circumstances beyond 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 that are subject to the Force Majeure Circumstances until the termination of such Force Majeure Circumstances.
12.2. The Client has no right to assign, transfer or otherwise dispose of (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 Client’s consent. For the purposes of such assignment, transfer or other disposition, the Bank has the right to disclose to any actual or potential assignee or any other person such information about the Client as the Bank deems necessary.
12.3. The Client agrees that the Bank has the right at any time unilaterally make amendments, changes or additions to the Agreement (including Tariffs), except in cases where the amendments, changes or additions increase interest rate, increase existing or establish new commissions for transactions in Tariffs. Amendments, changes or additions to the Terms and/or Tariffs, with the exception of cases where existing tariffs are changed or new ones are established that affect the full cost of the loan, and/or the interest rate increases, existing transaction fees are increased or new transaction fees are established, do not come into force earlier than 30 (thirty) days after the date of publication new edition Conditions and/or Tariffs on the Bank's website on the Internet (www. *****). Amendments, changes or additions to the Agreement in relation to tariffs that affect the full cost of the loan, with the exception of increasing the interest rate, increasing existing or establishing new transaction fees, come into force 30 (thirty) days after the date of publication on the Bank’s website. Amendments, changes or additions to the Tariffs that increase the interest rate, increase existing or establish new commissions for transactions, come into force from the moment the Client accepts the Bank’s proposal to make such amendments, changes or additions. Acceptance by the Client is recognized as the completion of any Transaction on the Account using a bank card. The Client can at any time receive 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 can only be made in the manner specified above, and that no other documents, publications, information or advertising materials (whether in writing or in any other form) can be made amendments, changes and additions to the Agreement.
12.4. The Bank's liability to the Client is limited to documented actual damage incurred by the Client as a result of unlawful 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 is liable to the Bank for all losses (including lost profits), damage or expenses incurred by the Bank as a result of the Client's actions or inaction in violation of the Agreement or applicable laws and regulations.
12.6. The Client is obliged to regularly receive information in the order indicated above about changes and additions current edition Conditions, Applications and Tariffs on the Bank’s website, in any structural unit Jar.
12.7. The Client is notified and agrees that the Bank’s obligations arising from or in connection with the Agreement are obligations only of BashInvestBank LLC
12.8. The Bank considers information related to the Client as confidential, however, the Client agrees that, in order to execute 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 transmit and disclose any such information in accordance with any decisions, orders, regulations, injunctions, orders, warrants or other documents issued by courts, regulators or law enforcement agencies. organs.
12.9. In the event that any provision of the Agreement is or becomes unlawful, void or unenforceable under any applicable law, the remaining provisions of the Agreement will remain in full force and effect.
12.10. Failure or delay in the exercise by the Customer or the Bank of its rights or remedies under the Agreement is limited to the specific case to which such failure or failure relates and does not affect any subsequent exercise of rights or remedies available to the Customer 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 disputes, disagreements or claims arising from the Agreement or in connection with it in particular, any dispute related to the existence, validity or termination of any relationship between the Bank and the Client shall be referred to parties for consideration by a court of appropriate jurisdiction at the location of the Client or the Bank.
13. Provision of services when the Client contacts the Bank Information Center
13.1. In accordance with the rules of this Section, the Bank undertakes to provide the Client, upon his oral order transmitted by telephone to the Bank's Information Center, the following services:
13.1.1. provision general information about the Bank, products offered for individuals and services provided, conditions for opening and servicing Accounts, about the use of Cards and Payment systems, about the Bank’s exchange rates that were in effect for 7 calendar days before the Client contacted the Information Center;
13.1.2. providing information on the location and operating hours of the Bank's branches and ATMs;
13.1.3. accepting applications from individuals for consumer loans;
13.1.4. providing the Client by fax or e-mail with information about the Bank’s payment details;
13.1.5. provision of consulting assistance in the event of controversial situations arising when using the Card, or when the Card is withdrawn from an ATM;
13.2. informing the Client about the readiness of the Card and the opportunity to pick up the finished Card at the Bank Branch, including the Card withdrawn by an ATM;
13.3. As a password, the Client and the Bank use the code word specified by the Client when opening the SCS.
13.4. The password may also be requested by the Bank when contacting the Client by phone if it is necessary to convey information on the Card or SCS to the Client (in this case, the Client has the right to refuse to communicate the password and can call the Bank back independently or contact the Bank Division in person).
13.5. The Client and the Bank undertake to keep the password secret and not disclose it to third parties.
13.6. A person who gives an oral order to the Bank by telephone and correctly indicates the password is recognized as a Client.
13.7. The Bank is not responsible for the consequences of any use of the password by third parties.
13.8. 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, or email. The Bank is not responsible for possible unauthorized receipt of this information by third parties for reasons beyond the Bank's control.
13.9. When the Client contacts by telephone for the provision of services listed in this Section, the date, time of the call, the fact of identification of the Client using a password, as well as the content of the Client’s oral order are recorded in a manner chosen by the Bank. The Bank has the right to store an audio recording of a telephone conversation with the Client and use it when resolving disputes.
13.10. By contacting the Bank's Information Center, the Client understands that communication is carried out using regular telephone lines without the use of additional funds ensuring 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 ways that the Bank deems appropriate. The Client is notified 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 Customer 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 does not bear any liability in connection with the Client's use of services, benefits and/or offers provided to the Client by third parties.
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 legal requirements.
- 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 blocking of the Card (in case of loss of the Card or unauthorized use).
- APPENDIX 18.3. Application form for re-issuance of a bank card for use (in case of loss of the Card or PIN).
- APPENDIX 18.4. Application form for the provision of 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 writing off funds from a card for loan servicing.
- APPENDIX 18.9. Application form of an individual to open a current account using a bank card of PJSC "SAROVBUSINESSBANK".
- APPENDIX 10.18. Application for termination of the Bank Account Agreement using bank cards (closing a card account).
- APPENDIX 11.18. Restrictions on transactions made using bank cards of PJSC "SAROVBUSINESSBANK" (activity limits).
- APPENDIX 18.12. Reward payment program to cardholders of PJSC "SAROVBUSINESSBANK" (cashback).
- Terms of issue, use and maintenance of virtual cards from October 1, 2018.
- APPENDIX 13.1. Application form for issuing a virtual card.
- APPENDIX 13.2. Receipt for receiving a virtual card.
- APPENDIX 13.3. Application for return of unused Card limit.
- APPENDIX 13.4. Application form confirming 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 service of prepaid gift cards from October 1, 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 prepaid gift card.
- APPENDIX 13.3. Restrictions on transactions made 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 cash and non-cash funds to a card account |
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 euro |
1.1.3. Cash withdrawal from a card account (without the presence of a card) at emission rates " Social card", "Social Security", " Pension 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 card provided 3 |
250 RUR / 5 USD / 5 EUR |
1.1.5. Non-cash transfers of funds to accounts opened with PJSC "SAROVBUSINESSBANK" and its additional branches and operational offices at the request of owners of current card accounts (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 owners of current card accounts (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 additional branches, operational 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 if there is an agreement with the recipient of funds |
in accordance with the terms of the agreement with the recipient of funds |
1.1.8. Non-cash transfers to accounts opened in 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, excluding tax payments |
— to the accounts of 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 |
1.1.9. Non-cash transfers to pay for the services of suppliers registered in the federal system "City", 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 non-cash transfer in favor of a specific supplier is reflected when registering the transfer in RBS SBB online / SBB Mobile, before the Client completes the corresponding non-cash transfer transaction) |
1.1.10. Preparation of certificates based on customer requests, including information on the presence/absence of a current card account |
300 rub., incl. VAT |
1.1.11. Accrual of interest on the balance of funds on the card account |
depending on the type of card issue tariff |
1 For transactions with current card accounts without the use of cards not specified in this list, the current tariffs may be applied to the current accounts of PJSC "SAROVBUSINESSBANK"
2 Accounts in euros are opened only for payment cards Mastercard systems, accounts in US dollars 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 cash and non-cash funds to a card account |
not charged |
1.2.2. Maintenance of the current card account after the expiration date (1 year or more) of the last card provided 4 |
|
1.2.3. Non-cash transfers of funds to accounts opened at PJSC "SAROVBUSINESSBANK" and its additional branches and operational offices at the request of card account holders: |
|
— to the accounts of individuals |
4%, but not less than 300 rub. |
— to the accounts of legal entities in the absence of an agreement with the recipient of funds |
4%, but not less than 300 rub. |
— to the accounts of legal entities if there is an agreement with the recipient of funds |
4%, but not less than 300 rub. |
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 rub. |
— to the accounts of legal entities if there is an agreement with the recipient of funds |
4%, but not less than 300 rub. |
1.2.5. Non-cash transfers of funds to accounts opened at PJSC "SAROVBUSINESSBANK" and its additional branches and operational offices, carried out using the SBB Online / SBB Mobile Remote Banking Service: |
|
— to the client’s own accounts; |
4%, but not less than 300 rub. |
— to the accounts of other individuals; |
4%, but not less than 300 rub. |
— to the accounts of legal entities in the absence of an agreement with the recipient of funds; |
4%, but not less than 300 rub. |
— to the accounts of legal entities if there is an agreement with the recipient of the 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 rub. |
— to the accounts of legal entities if there is 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 based on customer requests, including information on the presence/absence of a current card account |
300 rub., incl. VAT |
1.2.8. Accrual of interest on the balance of funds on the card account |
not credited |
4 Charged annually no later than the last working ten days of the year. If the balance of funds in the account is less than the established commission, the commission is set in the amount of the account balance.
1.3. Business account for transactions using corporate bank cards
5 Charged annually no later than the last working ten days of the year. If the balance of funds in the account is less than the established commission, the commission is set in the amount of the account balance.
1.4. For current card accounts of individuals using cards of the UnionCard payment system
1.4.1. Annual account maintenance 7 |
in the amount of the account balance, but not more than 500 rubles. |
1.4.2. Crediting non-cash funds to the account, including pensions, benefits and equivalent funds |
the service is not provided 8 |
1.4.3. Cash deposit |
the service is not provided |
1.4.4. Non-cash transfers of funds to accounts opened with PJSC "SAROVBUSINESSBANK" and its additional branches and operational offices at the request of owners of current card accounts (only for accounts in Russian rubles): |
|
— to your 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 if there is 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 owners of current card accounts (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 if there is 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 based on customer requests, including information on the presence/absence of a current card account |
300 rub., incl. VAT |
1.4.7. Accrual of interest on the balance of funds on the card account |
not credited |
6 Due to 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
- "Common for individuals, account currency - rubles",
- "Pension card, UnionCard, account currency - rubles",
- "Salary, UnionCard, account currency rubles",
- "Salary for employees budgetary institutions and employees of PJSC "SAROVBUSINESSBANK", UnionCard, account currency - rubles"
7 Charged once a year no later than the last working ten days of the year, with the exception of accounts opened for crediting subsidies
8 With the exception of accounts opened under an agreement for crediting subsidies
2. Emission tariffs. Issuance and servicing of bank settlement (debit) cards of international payment systems Visa, Mastercard
2.1. "General for individuals" using payment (debit) cards, card account currency - US dollars, euros
Visa Gold |
Mastercard Gold |
|
2.1.1. Issue 9 of the main or additional card |
15 dollars USA |
|
2.1.2. Annual maintenance in the first year of validity of the main or additional card |
not charged |
|
2.1.3. Annual maintenance of 10 main or additional cards in the second and subsequent years |
15 dollars USA |
|
2.1.4. Re-issuance of a card according to the term (extension) |
not charged |
|
2.1.5. Re-issuance of a card 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 ATMs of VTB Group and ATMs of PJSC Post Bank 11 |
not charged |
|
— through ATMs and cash points of partner banks 12 |
||
1% minimum 3 dollars. USA |
1% minimum 3 euros |
|
2.1.7. Payment for goods and services by bank card |
not charged |
|
2.1.8. Conversion fee 13 |
not charged |
|
2.1.9. Accrual of interest on the balance of funds on the card account |
the service is not provided |
|
2.1.10. Accrual of miles when making transactions using a card in retail and service establishments for use within the eqvilibria.ru service |
the service is not provided |
|
2.1.11. Cashback |
the service is not provided |
9
10 The cost of card servicing includes the SMS service package.
11
12
13
2.2. "General for individuals" using payment (debit) cards, card account currency - Russian rubles
Mastercard Gold |
+ cashback |
+ miles accrual |
||
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 maintenance during validity period 16 of the additional sticker card |
||||
2.2.3. Annual maintenance in the first year of validity of the main or additional card |
not charged |
|||
2.2.4. Annual maintenance of 17 main or additional cards in the second and subsequent years |
||||
2.2.5. Re-issuance of a card according to the term (extension) |
not charged |
|||
2.2.6. Re-issue of a sticker card according to the deadline (extension) |
||||
2.2.7. Re-issuance of a card 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. Re-issue of a sticker card in cases of replacement due to damage, loss of a sticker card or PIN |
||||
2.2.9. Cash withdrawal: |
||||
not charged |
||||
— through ATMs of VTB Group and ATMs of PJSC Post Bank 18 |
not charged |
|||
— through ATMs and cash points of partner banks 19 |
||||
— through ATMs and cash points of other banks |
1% minimum 250 rub. |
|||
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. Accrual of interest on the balance of funds on the card account |
the service is not provided |
|||
2.2.13. Accrual of miles when making transactions using a card or sticker card in retail and service establishments for use within the eqvilibria.ru service |
the service is not provided |
1 mile = 30 rub. |
||
2.2.14. Cashback |
the service is not provided |
the service is not provided |
14 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.
15
16
17 The cost of service includes the SMS service package. Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of Card servicing, in the absence of funds on the specified date at the end trading day in the amount necessary to pay the commission, the Client’s Card is blocked and is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. 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 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 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 with PJSC "SAROVBUSINESSBANK", card account currency - Russian rubles
2.3.1. Issue and annual maintenance of a main or additional card for the entire validity period |
not charged |
2.3.2. Issue 22 and service during validity period 23 of the additional sticker card (only in Russian rubles) |
|
2.3.3. Re-issue of a card by term (extension) 24 main or additional cards |
not charged |
2.3.4. Re-issue of a sticker card according to the deadline (extension) |
|
2.3.5. Re-issuance of a card 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. Re-issue of a sticker card in cases of replacement due to 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 rub. |
— using a sticker card |
not implemented |
2.3.8. Conversion fee 27 |
not charged |
2.3.9. Accrual of interest on the balance of funds on the card account |
not credited |
21 Cards are issued subject to the placement of a deposit/deposit in a bank or if there is a valid loan agreement, and the same when connecting RBS. The type of card and card product is determined by the Bank. From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to 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 technically possible Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.
23 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.
24 The commission is charged if there are funds in the client’s account on the date of payment, or if there are no funds in the client’s account on the date of payment, it is charged upon 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 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 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 maintenance 31 |
30,000 rub. |
5,000 rub. |
not charged |
2.4.2. Issue 32 and service during validity period 33 of the additional sticker card (only in Russian rubles) |
not charged |
||
2.4.3. Re-issuance of a card/sticker card by expiration date (extension) |
not charged |
||
2.4.4. Re-issue of a card 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. Re-issue of a sticker card in cases of replacement due to 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 ATMs of VTB Group and ATMs of PJSC Post Bank 34 |
not charged |
||
— through ATMs and cash points of partner banks 35 |
not charged |
||
— through ATMs and cash points of other banks |
not charged (fees 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. Accrual of interest on the balance of funds on the card account |
4.5% per annum, monthly on accounts in Russian rubles |
the service is not provided |
|
2.4.10. Issuance of an access card to VIP lounges at Priority Pass airports |
not charged |
||
2.4.11. Reimbursement of the Bank's costs when making payments for services of the Priority Pass Limited company for cardholders is determined based on the amount of the fee established by the Priority Pass Limited company for one visit to the VIP lounge of the airport by one person |
the first 5 visits per month - no charge, |
US$27 38 |
|
2.4.12. Bonus programs (optional) 39: |
|||
eqvilibria.ru; |
1 mile = 30 rub. |
1 mile = 30 rub. |
the service is not provided |
— Accrual of welcome miles when making your first purchase with a card for use within the eqvilibria.ru service; |
|||
— Cashback |
1%, but not more than 3000 rub. per month |
28 The bank invites VISA INFINITE cardholders to personal service at SBB GOLD offices. The cost of card servicing includes an SMS service package, the issue of 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 may be issued at the tariff " Virtual card"free of charge, as well as up to 3 bank cards Visa Gold/MasterСard Gold (RUR, USD, EUR) 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 their choice client.
29 The cost of card servicing includes an SMS service package, the issue of 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 bank cards Visa Gold/MasterCard Gold (RUR, USD, EUR) 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 client’s choice.
30 Issued only as part of individual special offers of the Bank or marketing promotions. The cost of card servicing includes an SMS service package, the issue of 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 bank cards Visa Gold/MasterCard Gold (RUR, USD, EUR) 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 client’s choice.
31 Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of servicing the Card; if there are no 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 is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. 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 technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and the client’s signature on the check. A sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.
33 The type of payment system, name of the card product and 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 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 when the card is issued and cannot be changed until the end of the card’s validity period
2.5. "Executive" for individuals, account currency Russian rubles/US dollars/euro
2.5.1. Issue, re-issue of a card based on its validity period (extension) and annual maintenance of the main card 41 |
not charged |
2.5.2. Issue 42, re-issue according to the validity period (extension) and maintenance during the validity period of the additional sticker card 43 (only in Russian rubles) |
|
2.5.3. Re-issue of a card in cases of replacement of the main card due to damage, change of name, loss of the card or PIN |
700 rub. / 15 dollars. USA / 15 euro |
2.5.4. Re-issue of a sticker card in cases of replacement due to 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 PJSC Post Bank 44 |
not charged |
— through ATMs and cash points of partner banks 45 |
|
— through ATMs and cash points of other banks |
1% minimum 250 rub. / 3 dollars. USA/ 3 euro |
— 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. Accrual of interest on the balance of funds on the card account |
not credited |
2.5.9. Accrual of miles when making transactions using a card or sticker card in retail and service establishments for use within the eqvilibria.ru service |
the service is not provided |
2.5.10. Cashback |
the service is not provided |
40 No more than one card is issued for one card account. From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to 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 technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.
42 The type of payment system, name of the card product and 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 rate of PJSC "SAROVBUSINESSBANK" 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. Servicing the card after expiration |
If the client does not submit an application for the return of the balance of funds within three years, a fee 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 card validity period are determined by the Bank. From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to 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 rate of PJSC "SAROVBUSINESSBANK" 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. Issue and annual maintenance of a main or additional card |
||
2.7.2. Re-issuance of a card 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 |
the service is not provided |
|
2.7.3. Cash withdrawal |
the service is not provided |
|
2.7.4. Payment for goods and services using a bank card |
not charged |
|
2.7.5. Replenishment of the Card |
reusable, |
48 Cards are issued if technically possible and without opening a current card account. Issued without the holder's name on the Card. The validity period and type of card are set by the Bank
2.8. "Corporate card"
Visa Gold or Mastercard Gold |
|
2.8.1. Issue of a main or additional card for a period of 1 year |
|
2.8.2. Re-issuance of a card according to the term (extension) |
|
2.8.3. Re-issuance of a card 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 withdrawal 50: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
|
— through ATMs of VTB Group and ATMs of PJSC Post Bank 51 |
|
— through ATMs and cash points of partner banks 52 |
|
— through ATMs and cash points of other banks |
4% minimum 250 rub. |
2.8.5. Payment for goods and services using a bank card |
not charged |
2.8.6. Conversion fee 53 |
not charged |
2.8.7. Depositing cash through ATMs of PJSC "SAROVBUSINESSBANK" with the cashin function |
not charged |
49 Limits set on the card for cash withdrawal transactions: RUB 100,000. 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. Emission tariffs. Issuance and servicing of bank settlement (debit) cards of the national payment system "Mir"
3.1. "General for individuals" using settlement (debit) cards of the national payment system "Mir", card account currency - Russian rubles
World Premium |
|
3.1.1. Issue of a main or additional card |
|
3.1.2. Annual maintenance 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. Re-issuance of a card according to the term (extension) |
not charged |
3.1.5. Re-issuance of a card 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 |
— through ATMs of VTB Group and ATMs of PJSC Post Bank 56 |
not charged |
— through ATMs and cash points of partner banks 57 |
|
— through ATMs and cash points of other banks |
1% minimum 100 rub. |
3.1.7. Payment for goods and services by bank card |
not charged |
3.1.8. Conversion fee 58 |
not charged |
3.1.9. Accrual of interest on the balance of funds on the card account |
the service is not provided |
3.1.10. Cashback |
1%, but not more than 3000 rub. per month |
55 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge. Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of servicing the Card; if there are no 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 is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
3.2. "Representative" for individuals, account currency is Russian rubles
MIR Premium |
|
3.2.1. Issue, re-issue of a card by validity period (extension) and annual maintenance of the main card 64 |
not charged |
3.2.2. Re-issue of a card in cases of replacement of the main card due to damage, change of name, loss of the card or PIN |
|
3.2.3. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— through ATMs of VTB Group and ATMs of PJSC Post Bank 65 |
not charged |
— through ATMs and cash points of partner banks 66 |
|
— through ATMs and cash points of other banks |
1% minimum 100 rub. |
3.2.4. Payment for goods and services by bank card |
not charged |
3.2.5. Conversion fee 67 |
not charged |
3.2.6. Accrual of interest on the balance of funds on the card account |
not credited |
3.2.7. Cashback |
1%, but not more than 3000 rub. per month |
64 No more than one card is issued per 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 rate of PJSC "SAROVBUSINESSBANK" 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. Issue and annual maintenance of a main or additional card |
not charged |
3.3.2. Re-issue of a card for a period of 70 (extension) |
not charged |
3.3.3. Re-issue of a card 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 |
— through ATMs of VTB Group and ATMs of PJSC Post Bank 71 |
not charged |
— through ATMs and cash points of other banks |
1% minimum 100 rub. |
3.3.5. Payment for goods and services by bank card |
not charged |
3.3.6. Conversion fee 73 |
not charged |
3.3.7. Accrual 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 current legislation. For citizens with permanent residence outside the Russian Federation, an international payment system card is additionally issued at the "Executive" tariff with the opening of a separate account.
69 Issued without the holder's name on the Card. The card is not intended for use 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
3.4. "Social protection card" for individuals, account currency - Russian rubles
WORLD Classic Impersonal 75 |
|
3.4.1. Issue and annual maintenance of the main/additional card |
not charged |
3.4.2. Re-issue of a card for a period of 76 (extension) |
not charged |
3.4.3. Re-issue of a card 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 PJSC Post Bank |
not charged |
— through ATMs and cash points of other banks |
1%, minimum 100 rub. |
3.4.5. Payment for goods and services by bank card |
not charged |
3.4.6. Conversion fee 79 |
not charged |
3.4.7. Accrual of interest on the balance of funds on the card account |
not credited |
74 The card is intended for crediting benefits and other social payments
75 Issued if technically possible without putting the holder's name on the Card. The card is not intended for working on the Internet and receiving cash from 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
4. Emission tariffs for salary projects
4.1. "Salary card", account currency - Russian rubles
WORLD Classical |
VISA Classic |
MIR 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. Re-issuance of a card according to the term (extension) |
not charged 86 |
|||
4.1.3. Re-issuance of a card 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, re-issue by validity period (extension), re-issue in cases of replacement/loss and maintenance during the validity period of the additional sticker card 91 |
||||
4.1.5. Cash withdrawal: |
||||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
|||
— through ATMs of VTB Group and ATMs of PJSC Post Bank 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. Accrual of interest on the balance of funds on the card account |
not credited |
|||
4.1.9. Cashback |
the service is not provided |
1%, but not more than 3000 rub. per month |
the service is 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 if there is a transfer agreement wages and other social payments to employee accounts using bank cards with the Enterprise (organization). The tariff also applies 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 employee accounts 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 technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.
91 The type of payment system, name of the card product and 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
4.2. "Salary card for budget payments", account currency - Russian rubles
WORLD Classical |
MIR 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. Re-issuance of a card according to the term (extension) |
not charged 103 |
not charged |
|
4.2.3. Re-issuance of a card 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 PJSC Post Bank 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. Accrual of interest on the balance of funds on the card account |
|||
4.2.8. Cashback |
the service is not provided |
1%, but not more than 3000 rub. per month |
0.5%, but not more than RUB 3,000. per month |
99 The tariff is intended for individuals - employees of budgetary state and municipal bodies, institutions, government off-budget funds; civil servants and recipients of government scholarships. Card accounts and cards are opened if there is an agreement on the transfer of wages and other social payments to employee accounts 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 rate of PJSC "SAROVBUSINESSBANK" 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
WORLD Classical |
VISA Classic or |
MIR Premium |
VISA Gold or |
|
4.3.1. Issue and maintenance during the validity period of 111 main/additional cards |
the service is not provided 112 |
not charged / |
not charged / |
|
4.3.2. Re-issuance of a card according to the term (extension) |
the service is not provided |
not charged 115 |
||
4.3.3. Re-issuance of a card 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 |
the service is not provided |
|||
4.3.4. Issue 116, re-issue by validity period (extension), re-issue in cases of replacement/loss and maintenance during the validity period 117 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 PJSC Post Bank 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. Accrual 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 sticker card in retail and service establishments for use within the eqvilibria.ru service; |
the service is not provided |
the service is not provided |
1 mile = 30 rub. |
|
— Cashback |
the service is not provided |
1%, but not more than 3000 rub. per month |
110 The tariff is intended for individuals - employees of Rosatom enterprises (organizations), including employees of the Federal State Unitary Enterprise "RFNC-VNIIEF"
111 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 employee accounts using bank cards. The validity period of the card is determined by the Bank.
112 The issue of cards has been discontinued since 04/02/2018.
113 Up to 5 additional cards for one card account are issued without charging a fee. Charged upon issuance of the 6th and subsequent additional cards
114 Up to 5 additional cards for one card account are issued without charging a fee. Charged upon issuance of 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 technically possible Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.
117 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.
118 If technically possible
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 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 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 when the card is issued and cannot be changed until the end of the card’s validity period. By default, cards are issued with bonus program cashback.
5. Emission tariffs. Servicing bank cards that have been discontinued
5.1. “General for individuals”, “Card plus Deposit” for cards issued before 04/01/2018.
WORLD Classical |
VISA Electron or Maestro |
VISA Classic 126 or |
|
5.1.1. Issue of a main or additional card |
the service is not provided |
||
5.1.2. Annual maintenance 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 “General for individuals” tariff; |
150 RUR / 5 USD / 5 EUR |
500 RUB / 20 USD / 20 EUR |
|
— for the "Card plus deposit" tariff |
not charged |
||
5.1.4. Re-issuance of a card according to the term (extension) |
the service is not provided |
||
5.1.5. Re-issuance of a card 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 |
the service is not provided |
||
5.1.6. Cash withdrawal: |
|||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
||
— through ATMs of VTB Group and ATMs of PJSC Post Bank 129 |
not charged |
||
— through ATMs and cash points of partner banks 130 |
|||
— through ATMs and cash points of other banks |
1% minimum 100 rub. |
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 credited |
||
5.1.9. Accrual of interest on the balance of funds on the card account |
not credited |
||
5.1.10. Cashback |
the service is not provided |
126 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.
127 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.
128 Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of servicing the Card; if there are no 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 is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
5.2. "Pension" for cards issued before 07/01/2017.
VISA Electron or Maestro or Mastercard Standard |
|
5.2.1. Issue and annual maintenance of a main or additional card |
the service is not provided |
5.2.2. Re-issuance of a card according to the term (extension) |
the service is not provided |
5.2.3. Re-issuance of a card 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 |
the service is not provided |
5.2.4. Cash withdrawal: |
|
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
— through ATMs of VTB Group and ATMs of PJSC Post Bank 132 |
not charged |
— through ATMs and cash points of partner banks 133 |
|
— through ATMs and cash points of other banks |
1% minimum 250 rub. |
5.2.5. Payment for goods and services by bank card |
not charged |
5.2.6. Conversion fee 134 |
not charged |
5.2.7. Accrual 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 rate of PJSC "SAROVBUSINESSBANK" 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 validity period |
the service is not provided |
|
5.3.2. Re-issue of a card according to the term (extension) of the main or additional card |
the service is not provided |
|
5.3.3. Re-issuance of a card 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 |
the service is not provided |
|
5.3.4. Cash withdrawal: |
||
— through ATMs and cash points of PJSC "SAROVBUSINESSBANK" |
not charged |
|
— through ATMs of VTB Group and ATMs of PJSC Post Bank 136 |
not charged |
|
— through ATMs and cash points of partner banks 137 |
||
— through ATMs and cash points of other banks |
1% minimum 100 rub. |
1% minimum 3 dollars. US/3 euro |
5.3.5. Conversion fee 138 |
not charged |
|
5.3.6. Accrual of interest on the balance of funds on the card account |
not credited |
|
5.3.7. Cashback |
1%, but not more than 3000 rub. per month |
the service is not provided |
135 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account.
6. Emission tariffs. Bank cards with a grace period for lending.
6.1. "Credit card. CASH"
6.1. "Credit card. Cash" 135 |
Mastercard Gold / VISA Gold / MIR Premium |
|
6.1.1. Issue of a main or additional card |
not charged |
6.1.2. Annual maintenance 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. Re-issuance of a card according to the term (extension) |
not charged |
6.1.5. Re-issuance of a card 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, re-issue by validity period (extension), re-issue in cases of replacement/loss and maintenance during the validity period of the additional sticker card 141 |
|
6.1.7. Conditions, terms of provision 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 rub. |
— through ATMs of VTB Group and ATMs of PJSC Post Bank 139 |
4%, minimum 300 rub. |
— through ATMs and cash points of partner banks 140 |
4%, minimum 300 rub. |
— through ATMs and cash points of other banks |
4%, minimum 300 rub. |
— 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 |
the service is not provided |
6.1.12. Cashback |
the service is not provided |
139 Issued subject to technical availability
140 Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Fee payments are made on the first working day of the Card servicing year. When you first receive money into your 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 technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.
142 The type of payment system, name of the card product and 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 rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account
7. Additional services for bank cards
7.1.1. Connecting to SMS services via ATM
not charged
7.1.2. SMS service, incl. SMS messages - notifications about each transaction using a card to a number mobile phone
59 RUB / 0.9 USD / 0.9 EUR 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 about the available spending limit on a bank card using ATMs of other banks
30 RUB / 0.6 USD / 0.6 EUR per request
7.3. Request for documents confirming the completion of a 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. Changing PIN at ATMs of PJSC "SAROVBUSINESSBANK"
30 rub. / 1 dollar. US/1 euro
By posting relevant information in the SBB Online / SBB Mobile remote banking system;
By sending notification (information) to an email address;
Receiving a mini-statement of transactions performed using a bank card at ATMs of PJSC "SAROVBUSINESSBANK"
not charged
146 The monthly fee is collected on the date of service activation 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 provided in October 2019.
147 The monthly fee is collected on the date of service activation after the service has been provided 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 agreement with the Enterprise (Organization).
148 Unless otherwise specified in the agreement with the Enterprise (Organization)
149 The monthly fee is collected on the date of service activation after the service has been provided for a full month.
150 The monthly fee is collected on the date of service activation after the service has been provided for a full month. Unless otherwise specified in the agreement with the Enterprise (Organization)
8. Tariffs for acquiring transactions |
Name |
Rate |
Types of bank cards |
8.1. Carrying out settlements with trading enterprises for transactions carried out through Bank terminals within the framework of Agreements “On the sale of goods (services) using bank cards ( merchant acquiring) 151 |
WORLD |
|
8.2. Issuance of cash rubles at ATMs of PJSC "SAROVBUSINESSBANK" for cardholders of other credit institutions |
not charged |
WORLD |
8.3. Issuance of cash rubles at cash withdrawal points (CAP) of PJSC "SAROVBUSINESSBANK" for cardholders of other credit institutions |
not charged |
WORLD |
8.4. Issuance of cash in US dollars or euros at Cash Issue Points (CAP) and ATMs of PJSC "SAROVBUSINESSBANK" for cardholders of other issuers |
is not provided |
VISA |
8.5. Maximum amount cash withdrawal for one transaction using cards of other banks at ATMs of PJSC "SAROVBUSINESSBANK" |
6,000 rub. |
WORLD |
8.6. The maximum amount of cash withdrawal for one transaction using cards of other banks at cash withdrawal points (CAP). |
6000 in rub. or equivalent in US dollars or euros |
WORLD |
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 percentage of the amount transferred by the Bank in accordance with clause 4.3. Treaty |
Part of the remuneration, determined fixedly for each terminal installed under the Agreement, depending on the monthly turnover of this terminal, |
up to 100,000 rub./month. inclusive |
||
from 100,000.01 to 200,000.00 rub./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
Appendix No. 4
to the Procedure approved by Order dated May 22, 2015. No. 260,
amended by Order No. 359 dated 07/08/2015,
amended by Order No. 417 dated August 21, 2015
amended by Order No. 534 dated 09.11.2015
BBR BANK
(Joint-Stock Company)
CONDITIONS OF ISSUANCE AND SERVICING OF BANK CARDS
1. TERMS and definitions
In these Terms of issue and servicing of bank cards BBR Bank ( Joint-Stock Company) (hereinafter referred to as the Terms) the following are used Terms And Definitions:
Authorization – the procedure for obtaining permission from the Bank necessary to carry out a transaction using the card/card details and generating the Bank’s obligation to execute the Holder’s orders drawn up using the card/card details. After authorization, the Holder has no right to dispose of funds within the authorized amounts until the amount of the authorized transaction is written off from the Account or the authorization is canceled.
Authentication – certification of the eligibility of the Cardholder to apply to the Bank to make banking operations using a bank card/card details.
Bank– BBR Bank (Joint Stock Company).
Bank card(map) – an electronic means of payment issued by the Bank and which is a means for drawing up settlement and other documents payable at the Client’s expense.
Bank card type -bank cards of payment systems: Payment system "MASTERCARD" LLC - Cirrus/Maestro, Standard, Gold, Business ; LLC Payment System "VIZA" - Electron, Classic, Gold , issued by the Bank.
Card blocking – procedure for the Bank to establish a technical restriction on transactions using a card, providing for the Bank’s refusal to provide Authorization.
Extract– a document containing information about transactions made using the Bank Card and the Account balance at the time of generating the statement, as well as other information that the Bank considers necessary to bring to the attention of the Holder.
Card currency - the currency in which the Holder opened the card account.
Transaction currency– the currency in which the Holder performed the transaction using the bank card.
Payment currency– the currency in which settlements are made for transactions using Bank cards between the Bank and the Payment System.
Holder - The Client or Representative, in whose name, in accordance with the legislation of the Russian Federation and regulatory documents Bank of Russia, issued a Bank card.
The authorized representative of the Client (hereinafter referred to as the “Representative» ) - an individual for whom, in accordance with the legislation of the Russian Federation and regulatory documents of the Bank of Russia, an Additional Card has been issued.
Client– an individual who has entered into an Agreement with the Bank, in whose name, in accordance with the legislation of the Russian Federation and regulatory documents of the Bank of Russia, an Account is opened with the Bank (Account owner).
Payment systems-AO " National System Payment Cards", Payment System "MASTERCARD" LLC and Payment System LLC "VISA".
Instant card- bank card of Payment systems "MASTERCARD" LLC - Cirrus/Maestro and LLC Payment System "VIZA" - Visa Electron and Visa Classic (Unembossed), which allows access to non-cash payments for goods and services, cash withdrawals, bank transfers, as well as to remote control account. The Cirrus/Maestro card does not contain CVC/CVV2 and is not intended for paying for goods and services on the Internet. Visa card Classic (Unembossed) contains the inscription - Electronic user Only.
MOTO(Mobili order / Telephone order ) - a type of operation during which the bank card holder remotely provides card details by phone, fax or e-mail, while the card is not physically involved in making the payment.
Unauthorized overdraft –spending by the Holder of funds in excess of the balance on the Account or in excess of the established Payment Limit.
Mobile operator– OJSC Mobile TeleSystems, OJSC MegaFon.
Mainmap– Bank card issued in the name of the Client.
Additional card- Bank card issued in the name of the Client or the Representative specified by the Client. The Representative does not enter into an Agreement with the Bank, is not the owner of the Account, but has the right, on the basis of the Client’s written authority (power of attorney), to dispose of funds placed on the Client’s Account.
Pin - personal an identification number, an individual code assigned to the card and used by the Holder when performing transactions using the card as an analogue of his handwritten signature.
Pay limit– the amount of funds available to the Holder for performing transactions using a bank card and established as the difference between the balance of funds on the Account and the amount of authorized but not yet paid transactions performed by the Holder.
Bank Processing Center (UCS) - an independent Processing Center (JSC KOKK), servicing transactions with bank cards of the Bank in accordance with the agreement between the Bank and the Processing Center.
Calculation information– information provided in electronic form on transactions using bank cards, compiled on the basis of Documents on transactions using bank cards.
Check(abbreviated SCS) – account opened by the Bank To the client on the basis of the Agreement.
Service Customer support - A system of software and hardware complexes of the Bank, allowing the Holder, after his successful Identification through a telephone channel with the participation of an operator - an employee of the Bank, to remotely receive background information about ongoing transactions involving the card or its details, the available balance on the card, limits, restrictions and blocking, conduct transactions, as well as disable/enable services provided for in the Agreement.
Bank tariffs -a collection of commissions and various fees charged by the Bank for the provision of services for issuing and servicing bank cards.
SMS notification – prompt notification service Client, Bank Card Holder about completed authorizations. SMS -message is sent directlyafter completing a transaction using the card/card details to the mobile phone number specified by the Client. The SMS message is considered received by the Holder on the date the SMS message is sent by the Bank.SMS-informing is carried out by sending an SMS message indicating the type, amount of the transaction, the number of the Card with which this operation was made, as well as information about the available payment limit on the card at the time of completion current operation.
Special equipment for drawing up Documents on transactions using Bank cards:
Automated Teller Machine (ATM)– an electronic software and hardware complex designed for issuing and accepting (if the ATM has the appropriate capability) cash, drawing up documents on transactions, issuing information on the Account, making non-cash payments using bank cards. Upon completion of the operation of issuing, receiving cash and non-cash payment for services, a check is issued, which indicates the date of the operation, the amount in the currency of the operation, the available balance on the Bank Card at the time of completion of the current operation and economic essence operations;
Cash collection point (CAP)- place (cash desk of the Bank, cash desk of a Bank branch, cash desk of an additional office of the Bank, cash desk of the Bank’s operational office) for performing operations for accepting and issuing cash using Bank cards. Upon completion of the operation of issuing or receiving cash, a check is issued, which indicates the date of the operation, the amount in the currency of the operation and the economic essence of the operation;
Trade and service enterprise (TSE) - an organization that accepts Bank cards as payment for goods or services sold. Upon completion of the payment transaction, a check is issued, which indicates the date of the transaction, the amount in the currency of the transaction and the economic essence of the transaction;
Electronic terminal– an electronic software and hardware device designed to perform transactions using bank cards. Upon completion of the transaction, a check is issued, which indicates the date of the transaction, the amount in the currency of the transaction and the economic essence of the transaction;
Imprinter– a mechanical device designed to transfer an imprint of the embossed details of a Bank card onto a Document on transactions using Bank cards drawn up on paper. Upon completion of the transaction, a check is issued, which indicates the date of the transaction, the amount in the currency of the transaction and the economic essence of the transaction.
Check(Document on transactions using Bank cards) –a document that is the basis for making settlements on transactions using a Bank Card and serving as confirmation of their completion, compiled using Special equipment with the participation of a Bank Card card details on paper and/or in electronic form, personally signed by the Holder or certified by a PIN code or a one-time use password 3D-Secure protocol.
“UCS SMS-Banking” service -the service of remote access of the Holder to his card accounts and other services provided by the Bank to the Client using cellular communications (by mobile phone number(s)).
"Autopayment" service -service for automatic replenishment telephone balance (subscriber's l/s) with cellular operators in Russian rubles, if it is reduced to established threshold, from a bank card account based on the Client’s instructions.
3D-Secure- secure authorization protocol for the Bank Card Holder for CNP operations (without the presence of a card). This technology is used to securely pay for goods and services on the Internet using one-time passwords.
Pay with your Mastercard J&T Bank with Apple Pay and Google Pay!
Bank cards MasterCard
Take advantage of all the advantages of international plastic bank cards MasterCard - a modern and convenient means of payment.
Choose the card that best suits your needs:
- Functional MasterCard Standard
- Prestigious MasterCard Gold
- Elite MasterCard Platinum
Decide on the currency of the card - you can issue a card in rubles, dollars or euros. Don't forget about your relatives and friends - several additional cards may be issued to your account.
You can connect to the SMS notification service and order the issuance of a bank card. And all this can be done quickly and at competitive rates.
All Bank cards are equipped innovative contactless payment technologyPayPass which allows you to pay for goods and services in one touch.
Owners plastic cards J&T Bank can independently change the PIN code at any ATMs that support this service.
We care about the security of your payments on the Internet, therefore all Bank cards are connected and support 3D-Secure technology. If the online store where you make a purchase supports MasterCard SecureCode technology, when making a payment you will be redirected to a special site to enter a secret password. A one-time password will be sent to you in the form of an SMS to the phone number confirmed by the Bank to which the card is connected. If the password is entered correctly, the transaction will be approved or rejected depending on the result of checking other conditions that are checked when performing a card transaction (status and validity period of the card, sufficiency of funds in the account, etc.). If the phone number is not confirmed with the Bank, the transaction will be rejected.
Internet bank
J&T Bank invites you to take advantage of the simple and convenient services of the Internet Bank system
Using Internet Banking you can manage your card:
- instantly top up your card from current accounts at any time convenient for you*
- block the card
- obtain information about card transactions (card authorizations, information about the merchant category in which the transaction took place (Merchant Category Code)
- request information on card account transactions (account statement)
- send a letter to the Bank about the need to reissue the card or issue new card, indicating the required type of card (Standard, Gold, Platinum), card currency, code word and Latin name and surname
*There is a daily card replenishment limit. On weekdays from 10:00 to 16:00: 200,000 RUB/5,000 EUR/5,000 USD. The rest of the time: 100,000 RUB/2,000 EUR/2000 USD.
Documentation
How to get a card?
You can open an account and get a bank card:
- At the Bank's Central Office every day, except weekends, from 9.30 to 17.30 (on Friday - until 16.30).
- In the Additional office "Tagansky" daily, except weekends, from 11.00 to 19.30 (on Friday until 18.15)
How to top up the card?
You can find ways to replenish bank cards by following the link.
How to find out the available card balance using the SMS notification service?
Make sure your card is connected to SMS notifications.
Activate the card balance request service by sending an SMS to the number 6470 with the text "80,500".
After activating the service, to find out the available balance on the card at any time convenient for you, send an SMS to the number 6470 with the text “101”, “remainder” or “balance”.
In response SMS you will receive the balance for the last issued card. If you have several cards, indicate the last four digits of the card in the SMS separated by a space.
Example SMS: balance 1234
The cost of sending a message to a short number is charged by the mobile operator
Don't like the PIN code? Install yours
From March 1, it became possible to set a new PIN code for your card at any ATMs that support this service. The new option will allow you to change the PIN code offered by the bank to a four-digit combination that is convenient for you.
When creating your own PIN code, a combination of four identical digits (1111) and consecutive numbers (1234, 4321) is not allowed.
To change the PIN code, you need to go to the ATM main menu section and select the “Change PIN code” operation, after which you need to follow the instructions on the ATM screen.
The service is paid according to Tariffs.
Currency transactions using the card
Please note that there may be a discrepancy between the amount of the transaction performed using the card and the amount of funds debited from the cardholder’s account for this transaction, for example, if the transaction using the card was made in a currency different from the account currency (funds are converted using bank rate). Account transactions are reflected on the basis of documents confirming the transaction, the day of receipt of which by the bank may not coincide with the day of the transaction. At the same time, due to changes in exchange rates (cross rates), it is possible to change the amount of funds to be debited from the account for a transaction made in a currency other than the account currency.
Payment for bank services
Fees for servicing the card and providing services during its servicing are charged in accordance with the approved tariffs of the bank upon the provision of the service. The fee for annual card servicing (upon issue/re-issuance) is charged in accordance with the terms of the agreement on the issue and servicing of the card, but no later than the day the card is received. The commission for SMS notifications is charged on the last working day of the month.
A world of comfort and privilege
The cards are called “gold” and “platinum” because they open up a world of privileges and comfort to their holders. Do you have one issued by our bank? MasterCard Gold or MasterCard Platinum? Then you have the opportunity to receive significant discounts and special terms of service when paying by card in hotels, restaurants and other partner enterprises of J&T Bank.
Compromise
Under no circumstances should you share your PIN or card details or give your card for use to third parties. If there are any suspicions about the disclosure of PIN, personal data that would allow illegal actions to be taken with your account, or if the card has been lost, immediately contact the 24-hour call center to block the card. Until the card is blocked, you bear the risk associated with unauthorized debiting of funds from your account. The bank may independently suspend the card if it receives information about its possible compromise or violation of the terms of the agreement on the issue and servicing of the card. To unblock the card, you must contact a bank employee.
Secure card
Rules for servicing a debit bank card
The rules for servicing a debit card are a collection of conditions and rules that must be observed by clients receiving plastic and banks issuing it. They set out the basic definitions and concepts applied to cards, the duties and rights of the client, the duties and rights of the bank itself, the procedure for opening and maintaining a debit card account, as well as the procedure for conducting transactions on it, the client’s responsibility and financial obligations. institutions, the procedure for resolving disputes that arise, the procedure for completing plastic maintenance.
Rules for use and maintenance debit cards are usually issued immediately upon receipt of the plastic. In the application upon receipt, the client must sign that he has received the rules and is familiar with them.
If the plastic arrives by mail, or the branch forgot to issue the rules, you can always find them on the website of the issuing banking organization.
Changes and additions may be made to the rules for servicing debit cards. However, the bank does not always notify the holder about this.
ABOUT latest changes and additions to the service rules can be found:
- On the official website of Fin. institutions (usually there is a note about changes in the news feed on the website or in the “Tariffs” section)
- In the department (when visiting the department, a specialist can inform you about the changes, you can clarify it yourself during communication with employees or at information stands)
- By phone hotline(news about changes can be broadcast by a hotline voice assistant or a call center specialist)
- In your Internet account.
The main points of the rules for servicing bank debit cards or what to pay attention to.
- Terms, concepts, definitions. Rules often use specific terminology. To have an accurate idea of what we're talking about at each point, you should study all the terms and concepts. Do not forget that the same designation may have different meanings in different banks. For example, the abbreviation RBS in one bank means “banking service agreement,” and in another it means “ remote maintenance" Or, an additional card in one case means additional card, having one common account with the main one, and in the other, going as a gift to the main one and having its own personal account, separate from the main one.
- Responsibilities of the client. This paragraph describes all the client’s obligations 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 store all payment documents for the card (checks, statements) for the entire period of using the card and provide them upon the bank’s first request. Let's say the bank requests from the holder statements for the first half of the year for all transactions (and there may be more than a thousand of them if the client actively uses plastic) because it considers some transactions illegal. If the client does not provide, then the financial. 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.
At one bank you only need to call the hotline. In another - call and the next day go in person to the branch to write an application. In the third, simply send an SMS to the bank’s short number. If the specified conditions are not fulfilled by the holder, the bank has the right to refuse to resolve 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 bank will not be liable on the first day. A clause on the time limits within which the client must submit claims for transactions. Most often it is tied to the 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 dispute them, carry out transactions, demand from the financial. organizing the provision of services in accordance with the rules, etc.
- Rights and obligations of the bank. This paragraph spells out everything that the bank is allowed to do: open card accounts, request documents on transactions, provide the holder with statements, write off their fees for providing services (annual maintenance, SMS notifications, etc.). In addition, a clause is often indicated here that the bank can change the conditions for 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. Here are stated the conditions on the basis of which a client can receive bank cards, a list of documents for receipt, and the procedure for maintaining a client’s card account.
Resolution of disputes regarding violation of the rules of service and use of debit bank cards.
All disputes are resolved individually. If possible, a mutually beneficial solution is achieved through negotiations between the plastic holder and financial representatives. institutions. If a solution is not found or does not suit one of the parties, then everything is decided in court.
Where are the rates and fees for debit cards?
Tariffs are a document where all commissions, limits and other service conditions are specified. 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.