List of documents for obtaining a credit card

List of documents for obtaining a credit card

For individual clients (including employees of individual entrepreneurs and hired lawyers):

• Passport of the Russian Federation.
• Second document (at the client’s discretion, in case of a credit card with a limit of up to 100 000 RUR^* for Moscow and the Moscow Region and up to 70 000 RUR^* for regional branches):
  • driving licence and vehicle registration certificate for a car¹/motor cycle² owned by the borrower³;
  • foreign travel passport with at least one border control stamp, confirming the RF border crossing within the past six months (except for travels to CIS member states)³;
  • the client’s current account or bank card account statement showing sums credited over the last six months, certified by the bank9 servicing the account. The amounts of average monthly entries must be at least the amounts of claimed monthly income³;
  • term deposits in the Bank⁴ ñ with a balance when the Application form is submitted of at least 200% of the requested credit sum and the validity period of at least six months after the Application and Form are submitted³;
  • 2-NDFL (personal income tax) form/statement from the financial department for members of the armed forces, officers of law enforcement agencies, for the last six months⁵ (Mandatory for a credit card with a limit of more than 100 000 RUR^* for Moscow and the Moscow Region and up to 70 000 RUR^* for regional branches).
• copy of the work record book (employment/civil law engagement contract) - submitted, if a credit sum of over 100 000 RUR^* is requested, to branches in Moscow and the Moscow Region or if a credit sum of over 70 000 RUR^* is requested to regional branches;

Additional documents for individual entrepreneurs (instead of the 2-NDFL form)

Additional documents for individual practicing lawyers (instead of the 2-NDFL form)

Additional documents for hired lawyers (in addition to the 2-NDFL form)

Additional documents for individual practicing notaries (instead of the 2-NDFL form)

Templates

Rules for issue and use of the Bank of Moscow credit cards

Application form for a credit card

Application for a credit card

^* Equivalent in USD or Euro

¹ Cars of foreign production (including those assembled in the Russian Federation), manufactured not more than five years before the documents are filed, or cars of domestic production manufactured not more than three years before the documents are filed.

² Motor cycles of foreign production manufactured not more than three years before the documents are filed.

³ When a second document (at the client's option) is submitted the income is recorded as stated by the borrower. In case the income is confirmed by a statement of the account certified by the bank servicing the same, the amount of average monthly receipts is defined automatically as a median of monthly amounts credited to the account for the past 6 months (sum total for each calendar month).

⁴ Except for demand deposits.

⁵ If the borrower works for less than six months, the statement will be given for the actual period of work for the organization (not less than three months).

⁶ The tax return should meet the following requirements:

• conform to the approved form;
• contain the data on the taxpayer;
• contain the data on the income and deductions charged;
• contain a note of the territorial body of the Federal taxation service confirming its acceptance of the tax return.

The object of taxation in a tax return prepared in conformity with the simplified taxation system is made up by the income minus expenses.

⁷ The 3- NDFL tax return should meet the following requirements:

• conform to the approved form;
• contain the data on the taxpayer: name, surname, patronymic, date of birth, INN code, status (resident/non-resident), citizenship, ID document details;
• contain the data on the income and deductions made during the accounting period;
• contain a note of the territorial body of the Federal taxation service confirming its acceptance of the tax return.

⁸ The said list of documents is mandatory to confirm the employment and income.

⁹ The statement shall be signed by the employee of the bank servicing the account and certified by the seal/stamp of the bank.