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1.8. Operations with cash Funds and Cheques




¹ Service Tariff
1.8.1. Issue of cash roubles from the client account
1.8.1.1. Issue of cash rouble from the settlement accounts of legal entity:  
the next day a cheque is presented for:
• wages 0.5% of withdrawal sum,
min 500 rubles
• scholarships, pensions, benefits, insurance compensations and business trip expenses 0.5% of withdrawal sum,
min 500 rubles
• economic needs, etc*:
   — from 0 and up to and including 600 000 rubles 1% of withdrawal sum,
min 500 rubles
   — from 600 000 rubles up to and including 2 000 000 rubles 5% of withdrawal sum
   — in excess of 2 000 000 rubles 10% of withdrawal sum
on the day a cheque is presented for:
• wages 0.6% of withdrawal sum,
min 600 rubles
• scholarships, pensions, benefits, insurance compensations and business trip expenses 0.6% of withdrawal sum,
min 600 rubles
• economic needs, etc*:
   — from 0 and up to and including 600 000 rubles 1.5% of withdrawal sum,
min 500 rubles
   — from 600 000 rubles up to and including 2 000 000 rubles 6% of withdrawal sum
   — exceeding 2 000 000 rubles 11% of withdrawal sum
*Commission fee is calculated using the sum of cash funds withdrawn in the last 30 calendar days.
1.8.1.2. Cash withdrawals in Russian rubles from current accounts of individual entrepreneurs*:
   — from 0 and up to and including 600 000 rubles 1% of withdrawal sum,
min 500 rubles
   — in excess of 600 000 rubles and up to and including 2 000 000 rubles 5% of withdrawal sum
   — more than 2 000 000 rubles 10% of withdrawal sum
*Commission fee is calculated using the sum of cash funds withdrawn in the last 30 calendar days (not including funds that have been withdrawn in compliance with paragraph 1.8.1.3 of these Rates provisions).
1.8.1.3. Issue of cash roubles from the settlement accounts of individual entrepreneurs received from the loan accounts opened for these individual entrepreneurs in the Bank (exclusively of the funds received to the settlement account from the loan accounts opened for the Borrower within the framework of granting a loan in the form of an overdraft) within 30 calendar days as from the date of the loan issue: Maximum 600 000 roubles 0.3% of the amount of payment
1.8.2. Acceptance and crediting of cash funds in RF roubles from the client to his/her accounts  —
1.8.2.1 Receipt of cash in Russian rubles to be credited to a current account of the client through a branch (operational office) where the account was opened 0.3%, min 300 rubles
1.8.2.2. Acceptance of cash for deposit and deposit of cash in the client’s disbursement account in the currency of the Russian Federation through a branch (operating office) that is not the servicing office.
On the condition that:
the branch accepting the cash and that servicing the client’s disbursement account are located:		  
    • in one region 0.3%, min 300 rubles
    • in different regions 0.35%, min 300 rubles
1.8.2.3. Acceptance of cash for deposit and deposit of cash in a subaccount and transfer thereof to the client’s disbursement account in the currency of the Russian Federation through a branch (operating office) that is not the servicing office.
On the conditions that:
the branch accepting the cash and that servicing the client’s disbursement account are located in different regions.

If the original order (the third part of the application to deposit cash) or other documents are sent by mail, the Client also pays the postage.

 0.35%, min 300 rubles
1.8.2.4. Receipt of cash funds in RF roubles in cash-in-transit bags and their crediting to the settlement account of the client through a department (operations office), which is not a servicing one.
Provided that:
the subdivision accepting cash funds and the subdivision servicing the settlement account of the client are located:		  
    • in one region 0.05%, min 70 roubles
    • in different regions 0.1%, min 70 roubles
1.8.2.5. Receipt of cash funds in RF roubles in cash-in-transit bags and their crediting to the sub-account of the client through a department (operations office), which is not a servicing one.
Provided that:
the subdivision accepting cash funds and the subdivision servicing the settlement account of the client are located in different regions. Sending the second original copy of the invoice to the bag with the cash roubles and other documents by mail the Client has to pay mail expenses additionally.		 0.15%, min 70 roubles
1.8.2.6. Acceptance of the encashed cash funds in RF roubles and their crediting to the settlement account of the client through a department (operations office), which is not a servicing one.
Provided that:
the subdivision accepting cash funds and the subdivision servicing the settlement account of the client are located in different regions		 0.1%, min 70 roubles
1.8.2.7. Acceptance of the encashed funds in RF roubles, their crediting to the sub-account and transfer to the client’s settlement account through a department (operations office), which is not a servicing one.
Provided that:
the subdivision accepting cash funds and the subdivision servicing the settlement account of the client are located in different regions. Sending the second original copy of the invoice to the bag with the cash roubles and other documents by mail the Client has to pay mail expenses additionally.		 0.15%, min 70 roubles
Note: As regards services 1.8.2.2. – 1.8.2.7. the departments of Moscow/Moscow Region and Operations Offices of the Bank refer to one region
1.8.3. Issue of foreign currency in cash
1.8.3.1. Issue of foreign currency from the client’s foreign currency ac count in cash 1%
1.8.3.2. Acceptance of foreign currency in cash for crediting to the client’s account 0.2%, min $1
1.8.4. Encashment, delivery and re-count
1.8.4.1. Delivery (% from the delivered amount)  
• around Moscow 0.2%, min 2 000 roubles for each trip
• around Moscow Region:  
   — within a radius of 50 km from the Moscow Ring Road maximum 0.2%, min 3 000 roubles for each trip
   — within a radius of 51 -100 km from the Moscow Ring Road 0.2%, min 4 000 roubles for each trip
   — within a radius of 101 – 150 km from the Moscow Ring Road   0.2%, min 5 000 roubles for each trip
   — within over 150 km from the Moscow Ring Road   To be agreed upon individually
  (VAT is charged additionally  in the amount established by the law)
1.8.4.2. Cash collection services  
• within Moscow 600 rubles for each visit + 0.2 % of the sum collected
• within the Moscow Region 850 rubles for each visit + 0.2 % of the sum collected
(VAT is withheld additionally in the amount established by law)
1.8.4.3. Re-count of the cash funds encashed or received in the cash-in-transit bags from the client 0.2 %, min 30 roubles
  Sending the second original copy of the invoice to the bag with the cash roubles and other documents by mail the Client has to pay mail expenses additionally
1.8.4.4. Second trip to the encashment point due to the untimely preparation of the proceeds in cash for delivery through the client’s fault (% of the encashed amount) 0.63% (VAT is charged additionally  in the amount established by the law)
1.8.4.5. Preliminary stacking up of the cash funds note-by-note 0.96% of the preliminarily prepared amount
1.8.4.6. Damage or loss of the cash-in-transit bag by the client 200 roubles
(VAT is charged additionally  in the amount established by the law)
1.8.5. Operations with payment documents (travel cheques)
1.8.5.1. Sales of travel cheques to legal entities for payment of travel expenses 1%
1.8.5.2. Crediting of the coverage amount against the bought/paid travel cheques to the accounts with the Bank of Moscow 3%
1.8.6. Note exchange operations and coins of the Bank of Russia
1.8.6.1. Exchange of notes of the Bank of Russia for notes of the Bank of Russia of another denomination.
The commission fee is written off the client account in the Bank of Moscow in RF roubles. If there are no funds on the client’s account in the time of rendering such service, the client shall contribute the necessary funds to his/her account in the amount sufficient for payment of the commission fee (overdue commission fee) to the Bank.  If the client fails to pay the commission fee (overdue commission fee), the service will not be rendered.		 1% of the amount, min 30 roubles
1.8.6.2. Exchange of coins of the Bank of Russia for notes of the Bank of Russia.
The commission fee is written off the client account in the Bank of Moscow in RF roubles. If there are no funds on the client’s account in the time of rendering such service, the client shall contribute the necessary funds to his/her account in the amount sufficient for payment of the commission fee (overdue commission fee) to the Bank.  If the client fails to pay the commission fee (overdue commission fee), the service will not be rendered.		 10% of the amount, min 200 roubles
1.8.6.3. Exchange of notes (coins) of the Bank of Russia for coins of the Bank of Russia of another denomination.
The commission fee is written off the client account in the Bank of Moscow in RF roubles. If there are no funds on the client’s account in the time of rendering such service, the client shall contribute the necessary funds to his/her account in the amount sufficient for payment of the commission fee (overdue commission fee) to the Bank. If the client fails to pay the commission fee (overdue commission fee), the service will not be rendered.		 10% of the amount, min 200 roubles
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