How to reduce the credit limit on a Sberbank card. How to increase the credit limit on a Sberbank card? Terms of use, interest, grace period calculation

Many Sberbank clients are looking for opportunities to reduce their credit card limit. Reducing the limit is a procedure that means reducing the amount of possible borrowing. To do this, there are several ways, which we will analyze in detail. The need to reduce the limit on a credit card arises when the client is not confident that he will be able to repay the amount of money provided by the bank in a timely manner.

In most banks, the credit line is renewed immediately after the client makes a payment on the loan debt. Funds become available for re-withdrawal the next day. Borrowers who repay funds to the card on time have the opportunity to automatically increase the limit. However, judging by customer reviews, such a service is unacceptable. Why? There are the following reasons for this:

1. Human factor. As soon as a client has a large amount of money in his hands, not everyone will be able to resist such a temptation. Although the debt has to be repaid, and with interest, borrowers in most cases fall for this temptation.
2. Interest rate. In most banks, interest for using a loan is not calculated on the balance of the debt, but on the total amount of the limit. That is why the borrower has to pay a decent amount than he expected. This option is not practiced at Sberbank, but often clients do not know about it, so they are afraid of large loans.
3. Safety. If the card is lost, fraudsters can use the funds on it. The scammers will have to return the cashed amount to the client if he does not block the card in a timely manner.

According to general innovations in banks, they do not have the right to increase the credit on a card without the positive consent of the borrower or without his notification. When drawing up the agreement, the maximum loan limit is stipulated, which in individual cases can be increased by decision of the bank itself.

How to reduce a loan at Sberbank

The bank independently reduces the loan amount if the following situations arise:

1. The client has a history of systematic non-repayment of debt.
2. If there is concealment from the bank.
3. If the borrower does not pay the existing arrears.

If such situations exist, the bank will automatically lower the credit limit, and in some cases, may close it altogether. The bank does not undertake to notify the borrower about the decision to reduce the loan amount or to close it altogether.

This is interesting! If the borrower wants to use one of the above methods to reduce the loan amount, then this is not the best option. Indeed, in addition to lowering the limit or completely blocking borrowed funds, the borrower will receive additional problems in the form of an unfavorable credit history. This history is transmitted to all banks, so it will no longer be possible to take out a loan from other banking institutions.

How to reduce the credit limit on a card?

Some people, and maybe the majority (I don’t know), do not have their own internal “brakes” on spending money, and not their own. Some of them do not understand this, while others (probably fewer) are well aware of the responsibility. Among those who are aware of responsibility, there are people who trust themselves, and others who do not. Actually, for both of them, as well as the rest, I decided to write a mini article about this.
UPD 01/27/2018: Another reason why people reduce their credit limit is the overall credit load. Unfortunately, I previously believed that only completely closing the credit card ensures a reduction. The comment left by one of the blog readers was taken into account, checked (thanks for that) and the article was supplemented.

What to do to reduce the credit limit on your card

What can I say? First, reduce your credit limit in your head. And in general, it’s time to learn to control your expenses, otherwise it won’t lead to anything good, and it never led anyone.

Do you even know that you can spend beyond the limit?

Yes Yes! Only then don’t be surprised that you received a fine for this. Tinkoff Bank really likes to do this. Therefore, it is better to start with yourself.

Application to reduce the credit limit on the card

And in order to reduce the actual limit on the card, it will be enough to call the bank (since they don’t have branches, remember, right?) and ask to reduce the credit limit. Yes, this will affect your credit history, but your “5th point” will be warm. But just remember that if you have debt, you are unlikely to be able to do this.

In the case of other banks, you will have to go to the office and write an application. Managers at the bank will already help. But here it may be that the managers are, to put it mildly, stupid, and simply do not know how this is done and, accordingly, will impose that such an operation is impossible and has never happened. In such cases, it is necessary to ask to call the senior manager, and then the head of the department (if the senior manager is not in the know).

Monthly spending limit in the app

Each bank, as a rule, has an application in which you can set a credit card limit for monthly spending (and in general). This is, so to speak, a way for those who are more responsible, who clearly understand that if they spend more, it will be much more difficult for them to return the funds.

So, what is the best way?

I believe that the 2nd option is the most humane and useful. Firstly, you will always have a small stash of money on your card (you never know), and secondly, the bank will see that your credit load has not decreased, which means your credit history will remain in the same form as it was. And third, you will learn to control your expenses. And this is much more important than the rest, believe me.

Plastic card credit funds are the bank’s money, which it provides to the client for use on mutually beneficial terms.

The plastic card holder wants to protect himself from uncontrollably growing credit card debt, so he carefully studies the procedure for calculating interest, the validity period of the preferential installment plan, and makes payments on time.

The bank makes sure that the product ends up in the hands of solvent clients so that bad debt does not form. One of the measures to ensure repayment of money is the appointment of limits.

The Sberbank product line offers several levels of credit cards: classic, gold, premium. Among the main service conditions is a credit limit.

Within the permissible amount on the card, each holder has his own maximum.

Its size is calculated individually taking into account many conditions, including:

• Employment and income.
• Credit history.
• Availability of deposits.

In the process of using plastic, it is possible to increase the credit limit on a Sberbank card or reduce it. Who is it being raised to? How to refuse an offer? How to influence Sberbank's decision to increase or decrease the limit on a credit card? Let's take it in order.

Credit limit

The maximum amount that the bank approves for a client is calculated by the program. Available information is automatically analyzed, including:

• monthly income;
• turnover on cards and accounts;
• length of service in general and in the last position in particular;
• employer reliability;
• availability of loans, deposits within the bank and other credit institutions;
• availability of writs of execution;
• age;
• registration at the place of residence or location;
• income of close relatives;
• dependents;
• availability of sponsors;
• real estate and other property owned;
• presence of disability, chronic diseases;
• life and property insurance.

The result of the calculation by the program is submitted to the credit committee, where the amount is approved. If there is additional information indicating the client's solvency or problems with it, the committee may adjust the limit.

What is the maximum and minimum limit on Sberbank credit cards?

The amount available on a credit card has a clear maximum limit. It is established personally for each holder and is regulated by a service agreement.

Moreover, each plastic has its own absolute limit:

Sberbank on its website defines the amount as the maximum that can be spent. The minimum limit is not regulated.

In practice, the lowest limits are set from 20 thousand rubles, most often found on youth credit cards. You do not need proof of employment to receive them.

Previously, Sberbank operated a more complex system of restrictions; there were minimums. Several years ago, a choice was made in favor of the existing order, the absolute limits were expanded.

How to find out the limit on your card

Information is available through all means of communication between the bank and the client:

1. In your personal account Sberbank-online. By clicking on the name or label of a credit card, you will be taken to a page with detailed information about limits, balance, debt, and recent transactions.
2. The same is available on the mobile app.
3. Via SMS from the phone number specified as a contact when applying for a credit card. Text “Balance ****” (**** – the last 4 of 16 digits on the front side of the plastic) to number 900.
4. You can find out at the ATM by requesting the card balance.

Is it possible to put money over the limit on a Sberbank card?

Yes. By topping up your card, you can easily make your usual payments by bank transfer. However, withdrawing money without commission will be problematic.

Regardless of the fact that these are your own funds, a commission of 3 to 4%, minimum 390 rubles, will be charged for withdrawal through an ATM.

It happens that several carriers are associated with a phone number, and the credit card is indicated as the main one.

Friends or relatives make a transfer using a phone number, and the money is deposited on a credit card. It is useless to contact the bank with a statement about an erroneous transfer and a request to issue it without a commission.

There are several ways out of this situation:

1. withdraw money by paying a commission;
2. non-cash payment of current expenses;
3. mutual settlement with friends and/or relatives when you offer to pay their bills (for example, utility bills or shopping) with a credit card in exchange for cash or a transfer to debit plastic;
4. to receive large sums mistakenly credited to a credit card, some clients prefer to close it; funds above the limit will be transferred to your account without commission, but please take into account:

• duration of the procedure – up to 30 calendar days;
• there is no guarantee that the loan product will be received again on the same terms.

How to increase your credit limit

An increase in the amount may occur at the initiative of the bank or the holder.

Basic methods

1. Credit card holders sometimes receive SMS from number 900 with an offer to increase the limit. Information is also reflected in the personal account of mobile and online banking, and at an ATM.

Having received an offer, the client can consider it for up to 30 calendar days. During this time, you can refuse or agree without waiting for the 30-day period to expire. All communication methods (telephone, online banking, ATM) offer appropriate commands. If there is no response after a month, the new limit is activated automatically.

For media issued before July 1, 2017, the deadline for the client to make a decision was 5 banking days.

1. The current terms and conditions for servicing credit cards by Sberbank do not regulate increasing the limit at the initiative of the holder. There is no such option in your personal account.

However, the client can contact an employee at the branch to fill out an application. You must have your passport with you. If you have additional evidence of your solvency that is unknown to the bank, present it. You can also offer to insure risks that prevent the maximum limit from changing.

After signing the application, wait for it to be reviewed. This takes from several days to several weeks. You will receive an SMS with the result. If the decision is positive, the amount will be increased automatically. There is no need to visit the bank again.

1. An option to increase your credit maximum is to apply for a higher-class card. Often, upon positive consideration of such an application, the client is offered an amount exceeding the previous one.

It is important to take into account that if you already have a gold card in your hands, the next in status is premium. Its service is paid - 4900 rubles per year. Owners of premium plastic have no alternative in the form of credit cards with a higher limit.

Requirements

Sberbank does not have a list of requirements as such for increasing the loan maximum. The client must be able to repay the debt.

According to the basic methodology for calculating the loan amount, the monthly payment (5% of the approved loan +% for using the entire amount) should not exceed 30% of the client’s income. All things considered, the bank may exceed this amount.

For example, if you have a modest income, but a close relative of the director of a large holding company and jointly owned property with him, you can count on an amount higher than that calculated using the basic method.

Conditions conducive to making a positive decision to increase the amount:

• increase in income level;
• the credit card has been in the holder’s possession for more than six months and is actively used;
• positive credit history;
• partial use of the existing limit.

Important! Regular use of credit card funds in full is considered by the bank as the presence of financial difficulties.

Why can they refuse?

The bank reserves the right to refuse clients without giving a reason.

The main ones:

• decrease in monthly income;
• large burden of loans;
• pre-retirement age;
• writs of execution;
• a history of overdue payments for any loan products in any bank;
• no card transactions;
• using a credit card in full and then repaying the debt according to schedule without early replenishment is considered a sign of financial difficulties;
• changing employer to a less reliable one;
• sale of real estate from the property;
• loss of ability to work;
• refusal to insure risks.

Through Sberbank online

A plastic card allows you not only to pay in stores, but also to use your account and banking services while at home. Many people are interested in how to increase the credit limit on a Sberbank card through Sberbank online?

The service allows you to:

It will not be possible to submit an application to Sberbank to increase the credit limit on a card via the Internet. This function is not provided on the site. It would be difficult to systematize all possible circumstances that influence decision making. A visit to the office is required for an individual review of the issue.

Increase automatically

Most credit card holders experience automatic increases at least once. For the initial issue, the bank offers a fairly low limit; its size rarely exceeds twice the monthly income. After six months, the credit committee assesses the risks taking into account the use of the product. Many people receive an increase offer.

Limit reduction

The reduction occurs at the initiative of the client or Sberbank. The minimum amount of the new limit is limited to the amount of debt on the credit card.

The client, if desired, submits an application to the branch where the account is opened. You must appear in person with a passport; the service is not available through remote services.

From the bank's side there are 2 options

First

Having noticed certain reasons that in the future may affect the client’s solvency, or having noticed low activity in using the product, Sberbank sends a proposal to reduce the limit. The holder has 30 days to refuse the reduction, or agree before the month expires. You can respond to the offer through your personal account on the Internet, mobile application, at an ATM, or by phone. If the holder refuses, the maximum amount will remain. If there is no response, the proposal comes into force within the specified period.

Attention! The bank calculates the new limit taking into account the balance on the card on the day of the offer. If there is no response from you after 30 days, the limit will be reduced to the stated one. If you spend additional funds during the month, reducing the card balance, a negative card balance will form when the offer comes into force. Funds for its repayment will begin to be automatically debited from debit cards and accounts.

Second

If a credit card holder violates the current rules for using the product, the bank has the right to immediately reduce the available maximum for it by notifying the holder via SMS. If a negative balance is formed, in this case funds will be debited from the client’s available accounts

Conclusion

Credit cards are a controversial banking product. Most clients are wary of using them because of their ability to incur high-interest debt. The bank carefully checks the solvency of future credit card holders, because they will have access to the institution’s money. If the client wants to abuse plastic, he or she will have the opportunity to do so.

Participants in salary projects receive offers from Sberbank to receive a credit card or increase their limit more often than others. On the one hand, the bank knows the size of the client’s monthly income, on the other hand, when overdue debt appears, it is possible to write off funds for repayment from a debit card.

The Sberbank PJSC credit card is an attractive bank product with a cash limit of up to 600 thousand rubles and an interest-free period of up to 50 days.

Contents [Show]

How to get a credit card at Sberbank

For customers, there is a line of 6 plastic cards: instant issue Credit Momentum, classic MasterCard Standart/Visa Classic credit cards, privileged Gold, an offer for the age segment from 21 to 25 years - “Youth”, charitable “Gift of Life” and bonus “Aeroflot”.

Sberbank offers its clients to issue a card with a credit limit in 3 ways:

• In the office. For visitors receiving salaries on a Sberbank card, a passport is sufficient to submit an application. You will have to wait from 5 minutes to 2 days for pre-approval. Clients on a standard application must provide proof of income. Credit Momentum is issued within 15 minutes - these are credit cards with a limit set by the bank and free servicing.
• By submitting an application through Sberbank Online. In the “Personal Account” in the “Cards” tab, click on the “Application for a credit card” offer. Having filled in the data (desired type of product, limit, full name, address, time to call), click the “Confirm” button, and the application is processed. You can pick up the product after 2 weeks at the selected office.
• A direct sales specialist. Pre-approved “golden” cards with free service and a set limit are issued by managers supervising enterprises within the framework of a salary agreement.
• Using terminals and ATMs. After withdrawing cash or making a payment, the customer is presented with a special offer from the bank, such as applying for a credit card. Having filled out all the fields and provided the data, the user can only wait for the manager’s call.

How to increase the credit limit on a Sberbank card

The maximum allowable limit on Sberbank credit cards is 600 thousand rubles. Pre-approval and setting the amount of borrowed funds on the plastic depends on the decision of the underwriter (a specialist in calculating solvency, customer reliability, who makes the decision to refuse/issue a loan). The analyst predicts whether it is possible to increase the limit of a Sberbank credit card for a specific borrower.

In the main bank of the country, issues of changing the loan amount are resolved unilaterally by the lender. An increase in the credit limit is accepted based on the cardholder's solvency, absence of overdue payments and frequency of use of the product. The more purchases a user of a Sberbank PJSC credit card makes, the higher the chance of receiving additional funds from the bank.

For active users of the product who are not interested in how to increase the credit limit on a Sberbank card, an SMS notification about a change in the loan amount causes negative emotions.

Features of using a credit card

A grace period of 20 to 50 days and special services for salary projects are attractive to potential clients choosing Sberbank PJSC. A credit card, the terms of use of which vary depending on the type of borrower (salary client or not), allows you to “borrow” from the bank interest-free within a grace period.

It’s easy to calculate: 30 days for active payments + 20 for debt repayment. In order not to pay interest on the use of loan funds, the payer must pay 100% of the amount spent, within this period. The floating period depends on the date of purchase: in order for the return period to be maximum (up to 50 days), you should start spending on the report date or immediately after it. With each day after the date of the reporting period, the grace period will decrease by 1 day (but cannot be less than 20).

The date of the report, the amount of the monthly payment, the total debt can be found out:

• in UCO (“Sberbank Online”, terminal network);
• by sending SMS “Debt ХХХХ” to number “900” (where ХХХХ is the last 4 digits of the credit card number);
• by visiting the territorial office of Sberbank PJSC.

A credit card (the terms of use of which are also specified in the agreement and are explained in detail by managers upon issuance or by Hotline specialists) as a separate product is more profitable than a consumer loan due to the presence of an interest-free period, but the loan conditions for it are higher than the average for bank loans.

Interest on Sberbank credit cards

For the mass segment that does not participate in the salary project, 33.9% is charged per year for the use of loan funds. Sberbank pensioners and persons receiving income into bank accounts are provided with preferential pre-approved Credit Momentum and Gold cards with 25.9% on the loan.

There is no provision for reducing the interest rate or changing the payment date or report on Sberbank credit cards. In case of late payment of the obligatory payment, the debtor is charged a penalty of 36%.

How to defer payment on a credit card?

If it is impossible to make mandatory loan payments as a result of a decrease in solvency, clients can contact the Sberbank restructuring department to postpone the date. The possibility of completing the transaction and new conditions depend on the decision of the department specialist (size of the annuity payment, interest, accrual and/or write-off of penalties and arrears), authorized to “expand” the schedule and split the payments (he also decides whether the loan can be restructured and how to increase it). If approved, the credit limit on the Sberbank card will remain the same, but the amount of contributions will decrease.

Reducing the credit limit

So, how to increase the credit limit on a Sberbank card? This decision is made unilaterally by the issuer. Users can reduce the loan amount by contacting any territorial branch with a passport.

You can change the amount of borrowed funds on the card by an amount not exceeding the total debt of the loaned funds.

In 2017, Sberbank has repeatedly reduced interest rates on consumer loans, following the general trend of rate reductions in the country. Finally, it was the turn of credit cards.

• Aeroflot Classic/Gold;
• "Youth";
• "Momentum"
• "Credit" Classic / Gold.

The maximum credit limit is 200 - 600 thousand rubles. Also, all card products provide a credit grace period of up to 50 days for non-cash transactions to pay for goods and services.

• has deposits in Sberbank;

Read more about the features and types of Sberbank credit cards here >>

(2 ratings, average: 4.00 out of 5)

Sberbank of Russia has reduced interest rates on a number of credit cards since July 2017. See which credit cards have become more profitable today.

In 2017-2018, Sberbank has repeatedly reduced interest rates on consumer loans, following the general trend of rate reductions in the country. Finally, it was the turn of credit cards.

“The trend towards lowering the key rate by the Central Bank allowed Sberbank to improve the conditions for credit cards,” Igor Kovalev, Executive Director and Head of the Credit Card Development Department of Sberbank, commented on this event.

As a result, since July, interest rates on mass-market credit cards – Classic and Gold cards, as well as instant issue cards – have been reduced.

The changes affected the following cards:

• “Give Life” Classic / Gold;
• Aeroflot Classic/Gold;
• "Youth";
• "Momentum"
• "Credit" Classic / Gold.

How much have interest rates on Sberbank credit cards been reduced?

According to the press service of Sberbank of Russia, rates have been reduced on all new credit cards issued by 2-6 percent - to 23.9% for clients with a pre-approved offer, which accounts for the majority of issues, and to 27.9% without it.

At the same time, the remaining parameters of the products, Sberbank clarifies, remain unchanged.

Everyone is provided with a free service of a full-featured mobile bank with SMS notifications about card transactions, and clients with a pre-approved offer have the opportunity to issue a card with free annual maintenance for the entire period of its validity.

The annual cost of servicing Sberbank credit cards varies from 750 to 3.5 thousand rubles and depends on the category of the card and the selected product. There is no issue fee.

The maximum credit limit is 200,600 thousand rubles. Also, all card products provide a credit grace period of up to 50 days for non-cash transactions to pay for goods and services.

The commission for withdrawing funds from bank devices is charged in the amount of 3% of the amount, but not less than 390 rubles, at the cash desks and ATMs of third-party credit organizations - 4% of the amount, at least 390 rubles.

The client can issue a card on preferential terms under a pre-approved offer if:

• receives a salary or pension on a Sberbank card;
• uses a Sberbank debit card;
• has deposits in Sberbank;
• took out a consumer loan.

Read more about the features and types of Sberbank credit cards here >>

The information is not a public offer.

Sberbank reduced rates on credit cards in 2017-2018

Sberbank reduced interest rates on credit cards by 6 percentage points.

The interest rate on the cards “Podari Zhizn& Classic / Gold”, “Aeroflot& Classic / Gold”, “Molodezhnaya”, “Credit” and “Credit Gold” is 27.9% per annum.

Other conditions remained unchanged.

The annual maintenance cost depends on the card category and is set in the range from 750 to 3.5 thousand rubles. The card is issued free of charge.

The maximum credit limit is from 200 thousand to 600 thousand rubles. Also, all card products provide a credit grace period of up to 50 days for non-cash transactions to pay for goods and services.

The commission for withdrawing funds from bank devices is charged in the amount of 3% of the amount, at least 390 rubles, at the cash desks and ATMs of third-party credit organizations - 4% of the amount, at least 390 rubles. The SMS notification service is provided free of charge.

All cards have a “Thank You&” loyalty program: accrual of “Thank You&” bonuses for purchases on the card in the amount of 0.5% of the amount of each purchase; 1% for paying for an air ticket on the portal spasibosberbank.travel; 2% when purchasing combo tours on spasibosberbank.travel; 5% when purchasing train tickets at spasibosberbank.travel and up to 50% for purchases in partner stores. In the future, accumulated bonus points can be exchanged for discounts in the program’s partner stores, including on the “Spasibo.Travel” portal at the rate of 1 “Thank you” = 1 ruble. Bonuses are valid for three years or 12 months from the date of the last transaction on the card to pay for goods and services.

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Press releases and news from Moscow banks

Proinvestbank reduced interest rates on credit cards

Proinvestbank reduced the interest rate on credit cards by 7 percentage points. The rate is set at 20% per annum.

The maximum credit limit can reach 1 million rubles for Mastercard Gold, up to 500 thousand rubles for Mastercard Standard, up to 250 thousand rubles for Mastercard Unembossed and Maestro.

The bank also reduced the fee for withdrawing credit funds at bank cash desks and devices of other credit institutions. The commission will be 3.9% (minimum 300 rubles). You can withdraw your own funds free of charge at ATMs and cash desks of other banks, as well as at the bank’s PVN.

The fee for issuing a Maestro card is 200 rubles, Mastercard Unembossed - 450 rubles, Mastercard Standard - 600 rubles, Mastercard Gold - 3,000 rubles. Annual maintenance is free of charge.

The Apple Pay service has become available to clients of St. Petersburg Bank with Visa cards

The Apple Pay service becomes available to Visa card holders of St. Petersburg Bank. The bank introduced another way to activate the service - through a mobile application.

When you add a credit or debit card to Apple Pay, the card number itself is not stored on the device or on Apple's servers. Instead, a unique device account number is assigned, which is encrypted and securely stored in the device's Secure Element chip. Each transaction is authorized using a unique one-time secret code that is dynamically generated.

Sovcombank has updated the conditions for the Halva& credit card

Sovcombank has updated the terms and conditions for the Halva& credit card (installment card), issued in the Mastercard World category.

Now, on the balance of the holder’s own funds, it is possible to accrue interest in the amount of 8.25% per annum, subject to the following conditions: making four purchases at retail and service points - partners of the bank; the total amount of expense transactions for the current reporting period is more than 10 thousand rubles, while the amount of one of the transactions exceeds 3 thousand rubles; absence of current overdue debt under the current contract. If the specified conditions are not met, the balance, as before, will be charged 7.75% per annum.

The bank added the ability to pay with one’s own funds in any stores (including outside the partner network), and also allowed them to be withdrawn free of charge in devices of third-party banks. There is no provision for withdrawing credit funds from the card. The bank increased the maximum cash back amount from 1.5 thousand to 5 thousand rubles per month. Refunds are made in the amount of 1.5% for non-cash payments for goods and services at your own expense. Other tariff conditions have not changed.

Zapsibkombank reduced rates on credit cards

Tyumen-based Zapsibkombank has improved conditions for credit cards. Thus, the rate for the “Supercard&” in the Visa Gold category has been reduced. The interest rate will be 27.5% per annum, and not 29.9% as before.

Russian Standard Bank extended the agreement on the right to issue and acquire Diners Club cards in Russia

Russian Standard Bank extended the agreement on the right to issue and acquire Diners Club cards in Russia, thus continuing the work begun back in 2011. The bank issued a corresponding message on Wednesday, October 11.

The St. Petersburg bank “Sovetsky&” offers to issue a credit product “Best Card&” in the Visa Classic and Visa Gold categories. The interest rate on a Classic category card is 30% per annum, on a Gold category card - 28% per annum (previously 29%).

Cards are issued free of charge. For annual service for Visa Classic, 850 rubles are charged, for Visa Gold - 3,100 rubles.

The maximum credit limit for a Visa Classic card reaches 100 thousand rubles, for Visa Gold - 150 thousand rubles.

There is a grace period for lending of up to 62 days, which applies to both non-cash transactions and cash withdrawal transactions. The commission for withdrawing credit funds from banks and other credit institutions is 4.9% (at least 300 rubles), for withdrawing the borrower’s own funds from ATMs and bank cash desks is not charged, at third-party credit institutions it is 1.2% (minimum 150 rubles ). The balance of own funds is subject to interest accrual at the rate of 7% per annum. Cashback in the amount of 0.5% of the amount of all purchases is provided for the Gold category card.

New bank offices in Moscow

"Alternative& Head Office"

Address: 107023, Moscow, st. Malaya Semenovskaya, 11/2, building 3

"Kremlin& Head Office"

Address: 121099, Moscow, 1st Nikoloshchepovsky lane, 6, building 1

"RBA& Head Office"

Address: 119049, Moscow, Leninsky Prospekt, 11, building 3

"Greencombank& Moscow branch

Address: 119034, Moscow, st. Lev Tolstoy, 5, building 2

"Ural Bank of Reconstruction and Development" Branch "Moscow"

Address: 115191, Moscow, st. Mytnaya, 62

Asia-Invest Bank & Head Office

Address: 119180, Moscow, 2nd Kazachiy lane, 3, building 1

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