Bank Cards

The International Bank of Development offers its customers issuing and further maintenance of bankcards of international payment systems Visa International and Master Card International in rubles, US dollars and Euro.

A bank card is a contemporary instrument of payment; it is accepted as a payment instrument both in Russia and aboard. At all points of sale where one can see a logo of payment systems VISA International and Master Card International. Moreover, the currency of your card account does not matter as the funds are automatically converted.

Advantages of using a bankcard of the International Bank of Development are the following:

• Money safety. If the card is lost or stolen, any unauthorized access to your funds is impossible;

• here is no need to declare currency at the customs while going abroad;

• Possibility to pay for goods and services and to receive cash in any country and in any currency of the world;

• 24-hours access to the total amount held on a card account;

• Possibility to use cards of different payment systems affiliated with the same bank account, which makes it convenient to pay for goods and receive cash abroad;

• A bankcard is secured from forgery; a card account is protected from any unauthorized access.

The International Bank of Development Rates for issuing and further maintenance of bankcards of international payment systems Visa International and Master Card International in rubles, US dollars and Euro

Fees for services provided for accounts in Russian rubles, US dollars are specified in US dollars.

Fees for services provided for accounts in Euro are specified in Euro.

#	Type of service	Тип карты
		Visa Gold, MC Gold	Visa Business, MC Business	Visa Classic, MC Mass	VISA Electron, Cirrus/Maestro	VISA Electron, Cirrus/Maestro, (cards kept in Russian rubles serving needs of salary projects)
1.	Card of 1 year validity period** maintenance – charged upon the card issue or validity extension	100	50	25	5	1,5
2.	Card of 2 years validity period** maintenance – charged upon the card issue or validity extension	180	90	40	8	3
3.	Insurance coverage	1,000	300	100	0	0
4.	Min. initial deposit to a card-account (including amounts mentioned in sections1, 2, 3)	2000	400	200	10	0
5.	ATM and cash-points of the Bank cash advance	0,5%	0,5%	0,5%	0,5%	0,5%
6.	JSC “UralSib”ATM or cash points cash advance	1%	1%	1%	1%	1%
7.	ATM or cash points cash advance by other banks (an extra charge of a bank can be paid while using this service)	1% min 3	1% min 3	1% min 3	1% min 3	1% min 3
8.	Payments for goods and services	0%	0%	0%	0%	0%
9.	Charge for overdrafting the card account in the amount of such overdraft** - to be charged at a time of holder’s repayment to the Bank	10%	10%	10%	10%	10%
10.	Card locking and recovery	At factual expense	At factual expense	At factual expense	At factual expense	At factual expense
11.	Additional expenses borne by the Bank in connection with card transactions	At factual expense	At factual expense	At factual expense	At factual expense	At factual expense

Note:

• Visa cards are not issued in Euro.
• Corporate accounts and insurance coverage accounts are operated in rubles.
• Fees for bank cards in Russian rubles are counted in Russian rubles at the rate of the Bank of Russia as of the date of payment.
• Insurance coverage for cards in Russian rubles is to be counted in Russia rubles at the rate of the Bank of Russia as of the day of cancellation.
• Currency of the transaction performed in a foreign currency is to be converted into the currency of the card account (corporate account) at the rate determined according to the rules and provisions of international payment systems.
• Allowing interests on card-accounts (corporate accounts), special accounts (insurance coverage accounts) is not permitted.
• Non-cash transfers by the Customers from the card account are not permitted except for cases when the accounts mentioned before are closed.
• Accounting rates are subject to reconsideration by the Bank at its sole discretion. With respect to rate alterations, the Bank shall declare such alterations by means of release of respective information on its information stands not later than within 10 (ten) calendar days before such rate alteration is to be effected. 

Bank Cards Acquiring Services

#	Type of Service	Rates
1.	Commission charged by the Bank upon payments for goods and services settled by means of payment card used in merchant accounts transactions.	subject to additional agreement
2.	Cash advance in RUR, USD and EUR using MasterCard issued by other banks at cash points of the Bank.	2%
3.	Cash advance in RUR, USD and EUR using Diners Club cards issued by other banks at cash points of the Bank	4%
4.	Cash advance in RUR, USD and EUR using JSC “UralSib”/Partners of JSC “UralSib” cards at the cash points of the Bank.	0,5%

Bank Cards Supplementary Services

 Rates are specified in RUR.

#	Type of Service	Type of Card
		Visa Gold, MC Gold	Visa Business, MC Business	Visa Classic, MC Mass	VISA Electron, Cirrus/Maestro	VISA Electron, Cirrus/Maestro, (card accounts in RUR issued for payroll   services)
1.	Urgent issue of the card** (within 3 trading days)	780+ VAT 140.40	780+ VAT 140.40	520+ VAT 93.60	260+ VAT 46.80	260+ VAT 46.80
2.	Charge collected for providing card information access through SMS information services (‘SMS Service”)** is to be paid monthly	100 + VAT 18	100 + VAT 18	100 + VAT 18	100 + VAT 18	100 + VAT 18

Note:

• Charges for cards issued in USD and EUR are converted into USD (EUR) at the exchange rate of the Bank of Russia on the date of transaction. 
• If a Customer is charged for services indexed with **, the VAT is to be added. Rates for such services are specified without the VAT, the VAT amount is specified additionally herein.

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