| № |
Service description |
VISA Electron,
VISA Electron Instant Issue,
Visa Classic Unembossed,
Maestro, Maestro Prepaid,
MasterCard Standard Unembossed,
Union Card |
Eurocard/
MasterCard Standard |
Eurocard/
MasterCard Gold |
VISA
Classic |
VISA
Gold |
VISA
Platinum |
| 1 |
Minimum initial deposit |
$0 |
$0 |
$0 |
$0 |
$0 |
$0 |
| 2 |
Minimum balance |
$0 |
— |
|
Insurance deposit |
None |
$2 500 |
| 3 |
Account servicing commission |
|
First year |
$5 |
$25 |
$100 |
$25 |
$100 |
$300 |
|
From the second year (annually) |
$5 |
$20 |
$90 |
$20 |
$90 |
$250 |
| 4 |
Commission for servicing a VISA Electron Instant Issue/Visa Classic Unembossed (non-personalised)/MasterCard Standard Unembossed (non-personalised) card account taken out by the client to redeem a term debt under loan agreements, the number of which is indicated by the client in the application for the standing order: |
|
before the credit contract expiry |
$0 |
— |
|
after the credit contract expiry (annually) |
$5 |
— |
| 5 |
Servicing of accounts for VISA Electron Instant Issue/ Visa Classic Unembossed (not personified) and Maestro Prepaid/ MasterCard Standard Unembossed (not personified) cards taken by the individuals at opening deposit accounts / current accounts as a means of access to these accounts |
|
during the first two years* |
$0 |
— |
|
beginning with the third year (annually) |
$5 |
— |
| |
*for cards issued within the framework of the Housing/ Communal Service Package the tariff is valid throughout the total period of servicing the accounts |
| 6 |
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) |
$5 |
$30 |
$70 |
$30 |
$70 |
$200 |
| 7 |
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 |
| 8 |
Commission for resumption of settlements with the use of the card suspended in connection with its re-issue in case of damage |
$3 |
$5 |
$10 |
$5 |
$10 |
$15 |
| 9 |
Commission for resumption of settlements with the use of the card suspended in connection with its re-issue at the PIN-code loss |
$3 |
$10 |
$15 |
$10 |
$15 |
$50 |
| 10 |
Commission suspension of settlements with the use of the card placed in the stop-list (for two weeks) |
None |
$40 |
At actual cost |
| 11 |
Additional commission for Account servicing (per year) in case an additional card is issued (charged depending on the type of additional card) |
$5 |
$15 |
$80 |
$15 |
$80 |
$250 |
| 12 |
Commission for cash receipt at the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank": |
|
ATM of the Bank of Moscow, VTB 24 (JSC), JSC "TransCreditBank" except cards Union Card |
0% |
|
ATM of the Bank of Moscow using Union Card |
0% |
— |
|
ATM of VTB 24 (JSC), JSC "TransCreditBank" using Union Card |
1% |
— |
|
CDO of the Bank of Moscow* |
Up to 60’000 rubles inclusive (foreign currency equivalent) — 5% min 250 rubles
Over 60’000 rubles (foreign currency equivalent) — 0% |
|
*If the commission is withheld as a percentage the commission amount is calculated based on the actual debited sum and is withheld in the Card Account currency. At a fixed commission amount defined in a currency other than that of the Card Account the commission is withheld in a Card Account currency equivalent at the exchange rate of the Central Bank of the Russian Federation as of the date of withholding the commission. |
|
CDO of VTB 24 (JSC), JSC "TransCreditBank" (except cards Union Card)/ CDO of VTB 24 (JSC), JSC "TransCreditBank" using Union Card |
0,5%, min $3 / 1% |
1%, min $5 |
1%, min $3 |
| 13 |
Commission for cash withdrawal at a third-party bank (except VTB 24 (JSC), JSC "TransCreditBank"): |
|
ATM of another bank (except for VTB 24 (JSC), JSC "TransCreditBank"), except cards Union Card/ ATM of another bank (except VTB 24 (JSC), JSC "TransCreditBank") using Union Card |
0.5%, min $3 / 1% |
1%, min $3 |
|
CDO of a third-party bank (except for VTB 24 (JSC), JSC "TransCreditBank"), except cards Union Card/ CDO of a third-party bank (except for VTB 24 (JSC), JSC "TransCreditBank") using Union Card |
0.5%, min $3 / 1% |
1%, min $5 |
1%, min $3 |
| 14 |
Annual interest charged monthly on the balance of the Account: |
|
opened in Russian rubles |
0% |
|
opened in a foreign currency |
| 15 |
Annual interest charged on the balance of the insurance deposit: |
|
opened in Russian rubles |
- |
5% |
|
opened in a foreign currency |
- |
3% |
| 16 |
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. |
| 17 |
Conversion of assets at withdrawal of cash RF rubles from the Accounts opened in a foreign currency |
Foreign currency purchasing rate of exchange of the Bank of Moscow for operations with individuals. |
| 18 |
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. |
| 19 |
Overdraft interest (per year): |
|
(Overdraft means a form of credit granted by the Bank in case the balance of the customer's Account is insufficient (or is absent) to make it possible to complete the payment for the operations performed with the use of the card or its details) |
|
for Accounts opened in Russian rubles |
50% |
|
for Accounts opened in foreign currency |
30% |
| 20 |
Settlement for goods and services |
0% |
| 21 |
Additional commission for express (within 24 hours) opening of the Account or reissue of the card |
$30 |
$50 |
$100 |
$50 |
$100 |
$100 |
| 22 |
Delivery of a statement of the Account for the current month (for electronic cards — at the request of the customer) |
$0 |
| 23 |
Issue of an additional statement of the Account: |
|
for 1 month of the current year |
$2 |
|
for 1 month of the previous year |
$3 |
|
for the previous calendar year |
$10 |
| 24 |
Conversion of assets at crediting foreign currency Accounts with RF rubles |
Foreign currency selling rate of exchange of the Bank of Moscow for operations with individuals. |
|
Conversion of assets at crediting RF rouble 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. |
| 25 |
Conversion of assets at cashless transfer of foreign currency from the Accounts opened in Russian rubles to the accounts of individuals opened with the Bank of Moscow, following Applications for money transfer |
Foreign currency selling rate of exchange of the Bank of Moscow for operations with individuals. |
| 26 |
Conversion of assets at cashless transfer of RF rubles from the Accounts opened in a foreign currency to the accounts of individuals and legal entities opened with the Bank of Moscow and other banks in the territory of the Russian Federation, following Applications for money transfer |
Foreign currency purchasing rate of exchange of the Bank of Moscow for operations with individuals. |
| 27 |
Conversion of assets at cashless transfer of foreign currency from the Accounts opened in another foreign currency to the accounts of individuals opened with the Bank of Moscow, following Applications for money transfer |
Foreign currency transfer cross rate of the Bank of Moscow for operations with individuals. |
| 28 |
Commission for balance inquiry of the card Account from a third party ATM (except VTB 24 (JSC), JSC "TransCreditBank") |
$1 (per operation) |
| 29 |
Limits for cash withdrawal from ATMs and cash disbursement outlets of the Bank of Moscow and other banks (per day) |
125 000 rubles* |
250 000 rubles* |
500 000 rubles* |
250 000 rubles* |
500 000 rubles* |
500 000 rubles* |
| 29.1 |
Limits for cash withdrawal from ATMs and cash disbursement outlets of the Bank of Moscow and other banks (per month) |
1 000 000 rubles* |
5 000 000 rubles* |
- |
5 000 000 rubles* |
- |
- |
|
* — or an equivalent of this amount at the exchange rate of the Bank of Russia as of the day of the operation. |
| 31 |
Commission for sending notices on operations with bank cards by phone (SMS-Banking) at initial service connection: |
|
| — for the first two months after the service connection date |
None |
| — beginning with the third month after the service connection date (monthly),
|
49 rubles |
| at subsequent service connections (monthly) |
49 rubles |
| 32. |
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 |
| 33. |
Conversion of assets at cashless transfer of Russian 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 |
| 34. |
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 |
| 35. |
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 |
| 36. |
Conversion of assets at cashless transfer of Russian 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 |
| 37. |
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 |
