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Visa Virtuon




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Virtual card of the Bank of Moscow Visa Virtuon is intended for the clients of the Bank acquiring goods and services in the Internet. A Visa Virtuon card can be used exclusively for the Internet settlements and enables, unlike classical plastic cards, make such payments safer. A special card account is opened for a client with monthly limitation on the sum of expenditures of up to 500 US dollars.

Visa Virtuon card can not be used in the ordinary trade/service network or in cash terminals.

Money can be deposited to a card at any outlet (branch) of the Bank or via a bank transfer. The balance of money on the card can only be received in the event of closing thereof at an outlet (branch) of the Bank. The term of validity of a Visa Virtuon card is limited by 6 months for the purposes of security. A virtual card Visa Virtuon can be opened as an addition to an ordinary bank card Visa or Eurocard/MasterCard of the Bank of Moscow.

 


While paying by a virtual card you should use the services of reliable Iternet shops observing the rules of the Visa International payment system and using the safety technology verified by Visa. While executing an order for purchase of goods or services in the Internet, the holder should enter the virtual card details into a special form (number, term of validity), specifying the password, which reduces the risk of unauthorised use of the card in the Internet. The password (three-digit code CVV2) is indicated on the back side of a virtual card. It is necessary to keep your password in secrecy. Should a virtual shop cause doubts, don’t buy. While making a purchase with a reliable seller at a protected site, the card information will not be used for swindling.

Prior to payment for a purchase you are supposed to find on the seller’s website the full description of the goods, information on means and cost of delivery, additional taxes, the procedure for the return of goods. The information on an Internet shop must contain a contact telephone number and e-mail. The card details are only to be entered at the time of payment.

While paying by a virtual card you should print out the confirmation of the placed orders received from virtual shops, as well as the seller’s contact information (telephone, Internet address). In the case of discrepancies between payment information specified on the printout and the statement of the card account, you should address the Bank of Moscow.

What to do if any problems with an Internet shop occur

If the ordered goods or a service paid for by a Visa Virtuon card of the Bank of Moscow have not been received, you are supposed to contact the seller instantly. If the problem has not been settled with a virtual shop, you should address the 24 hour Client Support Service of the Bank and provide all information on this transaction.

In the case of loss, theft of the card or any suspicions with respect to unauthorised use thereof, it is necessary to report instantly to the Client Support Service of the Bank of Moscow by the round-the-clock phone number: +7 (495) 728-77-88. The Service officer will block the card. The phone call must be confirmed by a written report to an outlet/branch of the Bank specifying the circumstances of the loss/theft of the card or information on unauthorised use thereof.

The term of validity of an international virtual card VISA Virtuon is 6 months.

The term of validity of an additional card VISA Virtuon expires simultaneously with the term of validity of the main card.

VISA Virtuon
1Minimum initial deposit$0
2Minimum initial deposit in the case if the applicant is a holder of any international card of OAO Bank of Moscow$0
3Trigger balance$0
4Commission for account service of the main card within the term of validity thereof$2
5Commission for account service of the additional card within the term of validity thereof$2
6Commission for card settlements termination due to loss or theft thereof or information of unlawful use thereof (according to the Client’s application)$2
7Commission for resumption of card settlements terminated due to loss or theft thereof or information of unlawful use thereof$0
8

Interest per annum accrual (monthly) on the balance of the account
opened in RF roubles
0 %
opened in foreign currency
0 %
9



Interests for overdraft (per annum):
(Overdraft means the form of crediting by the Bank of the Client’s account in the event of insufficiency (lack) of assets on the account for completion of payment for transactions using the card or details thereof)
for accounts opened in RF roubles50%
for accounts opened in foreign currency30%
10Payment for goods/services0%
11Maximum expenditure limit for the card (per month)$500
12Commission for an unreasonably disputed card payment$10
13


Provision of an additional statement of the account
for 1 month of the current year$2
for 1 month of the expired year$3
for the expired calendar year$10
14

Money conversion at RF rouble replenishment of foreign currency accountsOAO Bank of Moscow foreign currency selling rate for transactions with individuals.
Money conversion at foreign currency replenishment of RF rouble accountsOAO Bank of Moscow foreign currency purchasing rate for transactions with individuals.
Money conversion at foreign currency replenishment of an account opened in another foreign currencyOAO Bank of Moscow transferred foreign currency cross-rate for transactions with individuals.
 15. Money conversion at foreign currency transfer from RF rouble accounts while executing transactions of cash-free payment for goods/services with businesses offering goods/services using the card or details thereof
OAO Bank of Moscow foreign currency selling rate for transactions with individuals.
 16. Money conversion at RF roubles transfer from foreign currency accounts while executing transactions of cash-free payment for goods/services with businesses offering goods/services using the card or details thereof
OAO Bank of Moscow foreign currency purchasing rate for transactions with individuals.
 17. Money conversion at foreign currency transfer from accounts opened in another foreign currency while executing transactions of cash-free payment for goods/services with businesses offering goods/services using the card or details thereof
OAO Bank of Moscow transferred foreign currency cross-rate for transactions with individuals.
 18. Money conversion at foreign currency transfer to RF rouble accounts while executing transactions of full or partial return of the sum of payment for goods/services with businesses offering goods/services using the card or details thereof
OAO Bank of Moscow foreign currency purchasing rate for transactions with individuals.
 19. Money conversion at RF roubles transfer to foreign currency accounts while executing transactions of full or partial return of the sum of payment for goods/services with businesses offering goods/services using the card or details thereof
OAO Bank of Moscow foreign currency purchasing rate for transactions with individuals.
 20. Money conversion at foreign currency transfer to accounts opened in another foreign currency while executing transactions of full or partial return of the sum of payment for goods/services with businesses offering goods/services using the card or details thereof
OAO Bank of Moscow transferred foreign currency cross-rate for transactions with individuals.

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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.