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Visa Electron "Bank of Moscow — Golden Mean"




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Please be advised that the issuing of VISA Electron the Bank of Moscow – Golden Middle cards has been suspended.
Respectfully,
The Bank of Moscow

 

 

 

 

 


VISA Electron Bank of Moscow – Golden Middle is a card incorporating the advantages of a Bank of Moscow credit card and a Golden Middle discount card.

Main advantages of the "Golden Mean" Discount System:

  • Facility for obtaining discounts ranging from 3% to 20% on cards "Bank of Moscow — Golden Mean" in all businesses offering goods/services included into the "Golden Mean" Discount System.
  • Over 2000 businesses offering goods/services and providing discounts on cards "Bank of Moscow — Golden Mean".
  • Facility for obtaining discounts on cards "Bank of Moscow — Golden Mean" in 19 large cities of Russia. Among them are: Novosibirsk, Barnaul, Kemerovo, Novokuznetsk, Omsk, Tomsk, Tyumen.
  • Each card "Bank of Moscow — Golden Mean" is issued with a reference book of the "Golden Mean" Discount System listing all businesses offering goods/services and providing discounts (ask officers of the Bank). Further information on the cities of Russia included into the "Golden Mean" Discount System is available on the website of "Golden Mean".

The "Golden Mean" Discount System guarantees to a holder of a card "Bank of Moscow — Golden Mean" reimbursement of a discount that has not been obtained subject to observation of the following rules:

  • Before using the card make sure that the period of the card validity has not elapsed.
  • The discount shall only be provided in those businesses offering goods/services which are entered into the catalogue at the site of the Discount System and have stickers with the logo of the "Golden Mean" Discount System on their doors.
  • When buying goods (services) in businesses offering goods/services — participants of the "Golden Mean" Discount System, show the card "Bank of Moscow — Golden Mean" to a sales assistant prior to calculation of the purchase cost or prior to entering into an agreement.
  • When visiting restaurants show the card prior to ordering dishes, since the bill drawn immediately after making the order shall not be subject to amendment.
  • In restaurants you will obtain a discount by one card in the event if the number of diners does not exceed 4 persons. If the discount is provided for a less or a larger number of diners, it shall be agreed upon separately. The discount shall not cover taxes, service expenses and prices in the periods of presentations and sales.

The information on businesses offering goods/services and providing discounts on cards "Bank of Moscow — Golden Mean" is available on the website of the "Golden Mean" Discount System, or by phone number 8-800-200-35-03 (free call from any region of Russia), or in a special catalogue provided together with the card.

Attention! Beginning with 01 December 2009 the grace period is up to 50 days.

Account — bank account opened by the Bank to an individual customer to carry out and account for operations performed with the use of bank cards.

If the Card Account is kept in a currency different from the currency of the Tariffs, the commissions are recalculated using the official exchange rates of the Bank of Russia as of the date of operation processing.

CDO — cash disbursement outlet.

№ п/п
Service name
VISA
Electron
1 Account servicing
during the first and second years
250 rubles
beginning with the third year (annually)
200 rubles
2 Commission for termination of settlements with the use of the card in connection with its loss or theft or appearance of information on its wrongful use (as requested by the customer)
125 rubles
3 Commission for resumption of settlements with the use of the card suspended in connection with its loss or theft or appearance of information on its wrongful use
0 rubles
4 Commission for resumption of settlements with the use of the card suspended in connection with its re-issue in case of damage
75 rubles
5 Commission for resumption of settlements with the use of the card suspended in connection with its re-issue at the PIN-code loss
75 rubles
6 Commission for termination of settlements with the use of the card placed in the stop-list (for two weeks)
None
7 Commission for cash receipt at the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank":
7.1 Using the credit assets offered by the Bank of Moscow:
ATM of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank"
3.5% (of the operation amount), min 350 rubles
CDO of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank"
3.5% (of the operation amount), min 350 rubles
7.2 Within a positive balance of the Account:
ATM of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank"
0%
CDO of the Bank of Moscow
Up to 60 000 rubles — 5%, min 250 rubles
Over 60 000 rubles — 0%
CDO of VTB 24 (JSC), JSC "TransCreditBank"
0.5%, min 75 rubles
8 Commission for cash withdrawal at a third-party bank (except VTB 24 (JSC), JSC "TransCreditBank"):
8.1 Using the credit assets offered by the Bank of Moscow:
ATM of a third-party bank (except VTB 24 (JSC), JSC "TransCreditBank")
3.5% (of the operation amount), min 350 rubles
CDO of a third-party bank (except VTB 24 (JSC), JSC "TransCreditBank")
3.5% (of the operation amount), min 350 rubles
8.2 Within the limits of a positive balance of the Account:
ATM of a third-party bank (except VTB 24 (JSC), JSC "TransCreditBank")
0.5%, min 75 rubles
CDO of a third-party bank (except VTB 24 (JSC), JSC "TransCreditBank")
0.5%, min 75 rubles
9 Conversion of assets at withdrawal of cash foreign currency from the Accounts opened in Russian rubles
Foreign currency selling rate of exchange of the Bank of Moscow for operations with individuals.
Conversion at withdrawal of cash Russian rubles from an Account in foreign currency
Foreign currency purchasing rate of exchange of the Bank of Moscow for operations with individuals.
Conversion of assets at withdrawal of cash foreign currency from the Accounts opened in another foreign currency
Foreign currency withdrawal cross rate of the Bank of Moscow for operations with individuals.
10 Settlement for goods and services
0 rubles
11 Additional commission for express (within 24 hours) opening of the Account or reissue of the card
750 rubles
12 Delivery of a statement of the Account for the current month
None
13 Issue of an additional statement of the Account:
for 1 month of the current year
50 rubles
for 1 month of the previous year
75 rubles
for the previous calendar year
250 rubles
14 Conversion of assets at crediting foreign currency Accounts with Russian rubles
Foreign currency selling rate of exchange of the Bank of Moscow for operations with individuals.
Conversion of assets at crediting Russian ruble Accounts with foreign currency
Foreign currency purchasing rate of exchange of the Bank of Moscow for operations with individuals.
Conversion of assets at crediting foreign currency Accounts with a different foreign currency
Foreign currency crediting cross rate of the Bank of Moscow for operations with individuals.
15 Commission for balance inquiry of the card Account from a third party ATM (except VTB 24 (JSC), JSC "TransCreditBank")
25 rubles (per operation)
16 Cash withdrawal limits
16.1 Withdrawal limit for credit assets granted by the Bank of Moscow, at CDOs and ATMs of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank" for cards with a limit of up to 50 000 rubles/ 2 000 US dollars/ 1 500 Euro inclusive
within one day
None
within one month
None
16.2 Withdrawal limit for credit assets granted by the Bank of Moscow, at CDOs and ATMs of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank" for cards with a limit of more than 50 000 rubles/ 2 000 US dollars/ 1 500 Euro
within one day
50 000 rubles
within one month
350 000 rubles
16.3 Withdrawal limit of own assets at CDOs and ATMs of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank"
within one day
None
within one month
None
16.4 Withdrawal limit for credit assets granted by the Bank of Moscow, at CDOs and ATMs of third party banks (except VTB 24 (JSC), JSC "TransCreditBank") for cards with a limit of up to 50 000 rubles/ 2 000 US dollars/ 1 500 Euro inclusive
within one day
None
16.5 Withdrawal limit for credit assets granted by the Bank of Moscow, at CDOs and ATMs of third party banks (except VTB 24 (JSC), JSC "TransCreditBank") for cards with a limit of more than 50 000 rubles/ 2 000 US dollars/ 1 500 Euro
within one day
50 000 rubles
16.6 Aggregate withdrawal limit of credited and own assets at CDOs and ATMs of third party banks (except VTB 24 (JSC), JSC "TransCreditBank")
within one month
250 000 rubles
17 Commission for sending notices on operations with bank cards by phone (SMS-Banking)
No additional charge
18 Additional commission for Account servicing (per year) in case an additional card is issued (charged depending on the type of additional card)  
19 Transfer* of money in payment for urban public transport (for cards with a non-cash transport payment function)
*- money is transferred once a month on the basis of the data on the number of trips paid for by a card with a non-cash transport payment function during the preceding month
10 rubles per month
20 Additional commission for Account servicing (per year) in case an additional card is issued with a non-cash transport payment function *
125 rubles
21. Conversion of assets at cashless transfer of foreign currency from the Accounts opened in Russian rubles, at cashless payment for goods and services offered by trade and service enterprises using a card or its details
Foreign currency selling rate of exchange of the Bank of Moscow for operations with individuals
22. Conversion of assets at cashless transfer of RF rubles from the Accounts opened in a foreign currency, at cashless payment for goods and services offered by trade and service enterprises using a card or its details
Foreign currency purchasing rate of exchange of the Bank of Moscow for operations with individuals
23. Conversion of assets at cashless transfer of foreign currency from the Accounts opened in another foreign currency, at cashless payment for goods and services offered by trade and service enterprises using a card or its details
Foreign currency transfer cross rate of the Bank of Moscow for operations with individuals
24. Conversion of assets at cashless transfer of foreign currency to the Accounts opened in Russian rubles, at full or partial refund of the payment for goods and services from trade and service enterprises using a card or its details
Foreign currency purchasing rate of exchange of the Bank of Moscow for operations with individuals
25. Conversion of assets at cashless transfer of RF rubles to the Accounts opened in foreign currency, at full or partial refund of the payment for goods and services from trade and service enterprises using a card or its details
Foreign currency selling rate of exchange of the Bank of Moscow for operations with individuals
26. Conversion of assets at cashless transfer of foreign currency to the Accounts opened in another foreign currency at full or partial refund of the payment for goods and services from trade and service enterprises using a card or its details
Foreign currency transfer cross rate of the Bank of Moscow for operations with individuals

¹ The Account Maintenance Fee is charged monthly in equal installments within each year starting from the month in which the account was opened.

* A card with a non-cash transport payment function is a bank card with payment and transport applications allowing to perform operations with settlement out of the assets in the Account or the credit limit granted, as well as to use the card as a transport card for the Moscow Metropolitan


Printable version


Attention! Any documents submitted to the Bank must be completed in Russian.
The texts of documents/forms in Russian can be found on our Russian version website.