Conditions for issuing joint bank cards. Bank cards: types of bank cards, design, purpose, features and functionality

Plastic cards Banks have long become a part of the life of every modern person. And there are a number of reasons for this. Some - a salary, others - a scholarship or financial assistance receives on bank cards.

Kinds bank cards, the conditions for their opening, use, methods of closing, as well as the history of this financial product, you can find out by reading this article. The most popular ones will also be given international systems, engaged in the issuance and support of plastic cards.

Origin and further history of development

Let's look at plastic cards, starting from the moment when the first bank cards began to appear.

Before the trade boom in America in the fifties of the last century, as throughout the world, money was used in two forms: cash and non-cash.

If everything is clear with the first form, then let’s focus our attention on the second.

Non-cash money then consisted of checks and check books. For the modern user plastic card All the negative aspects of using a checkbook are clear:

Possibility of counterfeiting;

Long processing time for each operation;

You should always carry a paper receipt with you, which can easily be damaged.

During that same American trade boom, when the number trade deals has multiplied several times, the need to have a means that will be more reliable than checks has become very acute.

The choice should depend on your needs

Knowing all the listed features of the cards, you can easily choose the one that suits you. The most important thing is to correctly identify your needs. For example, why do you need a “credit card” if you are a wealthy person, as well as a “Kukuruza” card if you do not use the services of “Euroset” or its partners?

Also keep in mind: the higher the class of the card, the more expensive its maintenance will cost you. If you are a student then gold card You obviously don't need it. And with frequent trips abroad, it’s enough large turnover You won’t be able to get by without a platinum bank card, given all the services that will be available to you.

to the Procedure approved by Order dated May 22, 2015. No. 260,

amended by Order No. 359 dated 07/08/2015,

amended by Order No. 417 dated August 21, 2015

amended by Order No. 534 dated 09.11.2015

BBR BANK

(Joint-Stock Company)

CONDITIONS OF ISSUANCE AND SERVICING OF BANK CARDS

1. TERMS and definitions

1. 
   In these Terms of issue and servicing of bank cards BBR Bank ( Joint-Stock Company) (hereinafter referred to as the Terms) the following are used Terms And Definitions:

• 
  Authorization – the procedure for obtaining permission from the Bank necessary to carry out a transaction using the card/card details and generating the Bank’s obligation to execute the Holder’s orders drawn up using the card/card details. After authorization, the Holder has no right to dispose of funds within the authorized amounts until the amount of the authorized transaction is written off from the Account or the authorization is canceled.
• 
  Authentication – certification of the eligibility of the Cardholder to apply to the Bank to make banking operations using a bank card/card details.
• 
  Bank– BBR Bank (Joint Stock Company).
• 
  Bank card(map) – electronic means payment issued by the Bank and which is a means for drawing up settlement and other documents payable at the Client’s expense.
• 
  Bank card type -bank cards of payment systems: Payment system "MASTERCARD" LLC - Cirrus/Maestro, Standard, Gold, Business ; LLC Payment System "VIZA" - Electron, Classic, Gold , issued by the Bank.
• 
  Card blocking – procedure for the Bank to establish a technical restriction on transactions using a card, providing for the Bank’s refusal to provide Authorization.

• 
  Extract– a document containing information about transactions made using the Bank Card and the Account balance at the time of generating the statement, as well as other information that the Bank considers necessary to bring to the attention of the Holder.
• 
  Card currency - the currency in which the Holder opened the card account.
• 
  Transaction currency– the currency in which the Holder performed the transaction using the bank card.
• 
  Payment currency– the currency in which settlements are made for transactions using Bank cards between the Bank and the Payment System.
• 
  Holder - Client or Representative, in whose name, in accordance with the law Russian Federation and regulatory documents of the Bank of Russia, a Bank card was issued.
• 
  The authorized representative of the Client (hereinafter referred to as the “Representative» ) - an individual for whom, in accordance with the legislation of the Russian Federation and regulatory documents of the Bank of Russia, an Additional Card has been issued.

• 
  Client– an individual who has entered into an Agreement with the Bank, in whose name, in accordance with the legislation of the Russian Federation and regulatory documents of the Bank of Russia, an Account is opened with the Bank (Account owner).
• 
  Payment systems-AO " National System Payment Cards", Payment System "MASTERCARD" LLC and Payment System LLC "VISA".
• 
  Instant card- bank card of Payment Systems "MASTERCARD" LLC - Cirrus/Maestro and LLC Payment System "VISA" - Visa Electron and Visa Classic (Unembossed), allowing access to non-cash payments for goods and services, cash withdrawal Money, bank transfers, as well as remote account management. The Cirrus/Maestro card does not contain CVC/CVV2 and is not intended for paying for goods and services on the Internet. The Visa Classic (Unembossed) card contains the inscription - Electronic user Only.

• 
  MOTO(Mobili order / Telephone order ) - a type of operation during which the bank card holder remotely provides card details by phone, fax or e-mail, while the card is not physically involved in making the payment.
• 
  Unauthorized overdraft –spending by the Holder of funds in excess of the balance on the Account or in excess of the established Payment Limit.
• 
  Operator cellular communication – OJSC Mobile TeleSystems, OJSC MegaFon.

• 
  Mainmap– Bank card issued in the name of the Client.
• 
  Additional card- Bank card issued in the name of the Client or the Representative specified by the Client. The Representative does not enter into an Agreement with the Bank, is not the owner of the Account, but has the right, on the basis of the Client’s written authority (power of attorney), to dispose of funds placed on the Client’s Account.

• 
  Pin - personal identification number, an individual code assigned to the card and used by the Holder when performing transactions using the card as an analogue of his handwritten signature.
• 
  Pay limit– the amount of funds available to the Holder for performing transactions using a bank card and established as the difference between the balance of funds on the Account and the amount of authorized but not yet paid transactions performed by the Holder.
• 
  Bank Processing Center (UCS) - an independent Processing Center (JSC KOKK), servicing transactions with bank cards of the Bank in accordance with the agreement between the Bank and the Processing Center.
• 
  Calculation information– information provided in in electronic format, for transactions using bank cards, compiled on the basis of Documents for transactions using bank cards.

• 
  Check(abbreviated SKS) – account opened by the Bank To the client on the basis of the Agreement.
• 
  Customer Support Service -A system of software and hardware complexes of the Bank, allowing the Holder, after successful Identification through a telephone channel with the participation of an operator - an employee of the Bank, to remotely receive reference information about ongoing operations involving the card or its details, the available balance on the card, limits, restrictions and blockings, and carry out operations , as well as disconnect/connect services provided for in the Agreement.
• 
  Bank tariffs -a collection of commissions and various fees charged by the Bank for the provision of services for issuing and servicing bank cards.

• 
  SMS notification – prompt notification service Client, Bank Card Holder about completed authorizations. SMS -message is sent directlyafter completing the transaction using the card/card details to the number mobile phone specified by the Client. The SMS message is considered received by the Holder on the date the SMS message is sent by the Bank.SMS-informing is carried out by sending an SMS message indicating the type, amount of the transaction, the number of the Card with which this operation was made, as well as information about the available payment limit on the card at the time of completion current operation.
• 
  Special equipment for drawing up Documents on transactions using Bank cards:

• 
  Automated Teller Machine (ATM)– an electronic software and hardware complex designed for issuing and accepting (if the ATM has the appropriate capability) cash, drawing up documents on transactions, issuing information on the Account, making non-cash payments using bank cards. Upon completion of the operation of issuing, receiving cash and cashless payment services, a check is issued indicating the date of the transaction, the amount in the currency of the transaction, the available balance on the Bank Card at the time of completion of the current transaction and economic essence operations;
• 
  Cash collection point (CAP)- place (cash desk of the Bank, cash desk of a Bank branch, cash desk of an additional office of the Bank, cash desk of the Bank’s operational office) for performing operations for accepting and issuing cash using Bank cards. Upon completion of the operation of issuing or receiving cash, a check is issued, which indicates the date of the operation, the amount in the currency of the operation and the economic essence of the operation;
• 
  Trade and service enterprise (TSE) - an organization that accepts Bank cards as payment for goods or services sold. Upon completion of the payment transaction, a check is issued, which indicates the date of the transaction, the amount in the currency of the transaction and the economic essence of the transaction;
• 
  Electronic terminal– an electronic software and hardware device designed to perform transactions using bank cards. Upon completion of the transaction, a check is issued, which indicates the date of the transaction, the amount in the currency of the transaction and the economic essence of the transaction;
• 
  Imprinter– a mechanical device designed to transfer an imprint of the embossed details of a Bank card onto a Document on transactions using Bank cards drawn up on on paper. Upon completion of the transaction, a check is issued, which indicates the date of the transaction, the amount in the currency of the transaction and the economic essence of the transaction.

• 
  Check(Document on transactions using Bank cards) –a document that is the basis for making settlements on transactions using a Bank card and serving as confirmation of their completion, drawn up using Special equipment with the participation of the Bank card card details on paper and/or in electronic form, personally signed by the Holder or certified by a PIN code or one-time password 3D-Secure protocol.
• 
  “UCS SMS-Banking” service -the service of remote access of the Holder to his card accounts and other services provided by the Bank to the Client using cellular communications (by mobile phone number(s)).
• 
  "Autopayment" service -a service for automatically replenishing the telephone balance (subscriber's account) with cellular operators in Russian rubles, when it decreases to the established threshold, from a bank card account based on the Client's instructions.
• 
  3D-Secure- secure authorization protocol for the Bank Card Holder for CNP operations (without the presence of a card). This technology is used to securely pay for goods and services on the Internet using one-time passwords.

Rules for servicing a debit bank card

The rules for servicing a debit card are a collection of conditions and rules that must be observed by clients receiving plastic and banks issuing it. They set out the basic definitions and concepts applied to cards, the obligations and rights of the client, the obligations and rights of the bank itself, the procedure for opening and maintaining a debit card account, as well as the procedure for conducting transactions on it, the client’s responsibility and financial obligations. institutions, the procedure for resolving disputes that arise, the procedure for completing plastic maintenance.

Rules for use and maintenance debit cards are usually issued immediately upon receipt of the plastic. In the application upon receipt, the client must sign that he has received the rules and is familiar with them.

If the plastic arrives by mail, or the branch forgot to issue the rules, you can always find them on the website of the issuing banking organization.

Changes and additions may be made to the rules for servicing debit cards. However, the bank does not always notify the holder about this.

ABOUT latest changes and additions to the service rules can be found:

• On the official website of Fin. institutions (usually there is a note about changes in the news feed on the website or in the “Tariffs” section)
• In the department (when visiting the department, a specialist can inform you about the changes, you can clarify it yourself during communication with employees or at information stands)
• By phone hotline(news about changes can be broadcast by a hotline voice assistant or a call center specialist)
• In your Internet account.

The main points of the rules for servicing bank debit cards or what to pay attention to.

1. Terms, concepts, definitions. Rules often use specific terminology. To have an accurate idea of ​​what we're talking about at each point, you should study all the terms and concepts. Do not forget that the same designation may have different meanings in different banks. For example, the abbreviation RBS in one bank means “agreement banking services", and in the other - " remote maintenance" Or, an additional card in one case means an additional card that has one common account with the main one, and in the other, it goes as a gift to the main one and has its own personal account, separate from the main one.
2. Responsibilities of the client. This paragraph describes all the client’s obligations to the bank when using plastic. Here it is worth paying attention to all points without exception. For example, a clause on the obligation to store all payment documents for the card (checks, statements) for the entire period of using the card and provide them upon the bank’s first request. Let's say the bank requests from the holder statements for the first half of the year for all transactions (and there may be more than a thousand of them if the client actively uses plastic) because it considers some transactions illegal. If the client does not provide, then the financial. the institution may suspend the card, block it or refuse the next issue because the holder violated the rules for servicing and using plastic. A clause on the client’s obligations to notify about loss, theft or transactions that the client did not perform. Different banks have different procedures for notifying the bank about this.

   At one bank you only need to call the hotline. In another - call and the next day go in person to the branch to write an application. In the third, simply send an SMS to the bank’s short number. If the specified conditions are not fulfilled by the holder, the bank has the right to refuse to resolve the problem and relieve itself of financial responsibility. Special attention You should pay attention to the moment at which the bank assumes responsibility. Many banking organizations indicate the period - from the next day after the oral notification. It turns out that the bank will not be responsible for fraudulent transactions on the first day. A clause on the time limits within which the client must submit claims for transactions. Most often it is tied to the monthly statement. But in some organizations the claim may not be accepted after certain period, for example, later than 30 days from the date of discharge.

3. Client rights. This paragraph describes everything that the client can do with the card. The client can receive all justifications for bank write-offs from his account and challenge them, carry out transactions, demand from the financial services. organizing the provision of services in accordance with the rules, etc.
4. Rights and obligations of the bank. This paragraph spells out everything that the bank is allowed to do: open card accounts, request documents on transactions, provide the holder with statements, write off their fees for the provision of services ( annual maintenance, SMS notification, etc.). In addition, a clause is often indicated here stating that the bank can change the conditions for cards at any time. unilaterally, and the client will be notified in the specified way (SMS notification, information on the website or stands, etc.).
5. Conditions for opening and maintaining an account. Here are stated the conditions on the basis of which a client can receive bank cards, a list of documents for receipt, and the procedure for maintaining a client’s card account.

Resolution of disputes regarding violation of the rules of service and use of debit bank cards.

All disputes are resolved in individually. If possible, a mutually beneficial solution is achieved through negotiations between the plastic holder and financial representatives. institutions. If a solution is not found or does not suit one of the parties, then everything is decided in court.

Where are the rates and fees for debit cards?

Tariffs are a document where all commissions, limits and other service conditions are specified. Tariffs and commissions when using debit cards are issued to the holder at the time of receipt. The client must sign that he agrees with them and is familiar with them.

For the convenience of customers, changes to the Terms of Service and Tariffs for bank cards are introduced according to the schedule: 4 times a year on January 1, April 1, July 1, October 1 or at other times in connection with legal requirements.

• Conditions for issuing, servicing and using bank cards from October 1, 2019.
• APPENDIX 18.1. Form of statement of disagreement with the transaction (chargeback).
• APPENDIX 18.2. Application form confirming blocking of the Card (in case of loss of the Card or unauthorized use).
• APPENDIX 18.3. Application form for re-issuance of a bank card for use (in case of loss of the Card or PIN).
• APPENDIX 18.4. Application form for the provision of an additional bank card of PJSC "SAROVBUSINESSBANK".
• APPENDIX 18.5. Application for adjustment of activity limits.
• APPENDIX 18.6. Application form for connecting, disconnecting or making changes to the parameters of the SMS service.
• APPENDIX 18.7. The procedure for providing SMS service to cardholders.
• APPENDIX 18.8. Application for writing off funds from a card for loan servicing.
• APPENDIX 18.9. Application form of an individual to open a current account using a bank card of PJSC "SAROVBUSINESSBANK".
• APPENDIX 10.18. Application for termination of the Bank Account Agreement using bank cards (closing a card account).
• APPENDIX 11.18. Restrictions on transactions made using bank cards of PJSC "SAROVBUSINESSBANK" (activity limits).
• APPENDIX 18.12. Reward payment program to cardholders of PJSC "SAROVBUSINESSBANK" (cashback).

• Terms of issue, use and maintenance of virtual cards from October 1, 2018.
• APPENDIX 13.1. Application form for issuing a virtual card.
• APPENDIX 13.2. Receipt for receiving a virtual card.
• APPENDIX 13.3. Application for return of unused Card limit.
• APPENDIX 13.4. Application form confirming blocking of the virtual Card.
• APPENDIX 13.5. Restrictions on transactions made using prepaid virtual cards of PJSC "SAROVBUSINESSBANK" (activity limits).

• Terms of issue, use and service of prepaid gift cards from October 1, 2017.
• APPENDIX 13.1. Application to close a prepaid gift card and return the unused balance.
• APPENDIX 13.2. Application for confirmation of blocking of a prepaid gift card.
• APPENDIX 13.3. Restrictions on transactions made using gift cards of PJSC "SAROVBUSINESSBANK" (activity limits).

Tariffs for issuing and servicing bank cards (from October 1, 2019)

1. Operations with current card accounts 1

1.1 For current card accounts individuals using bank payment (debit) cards. Account currency: Russian rubles/US dollars/euro

1 For transactions with current card accounts without the use of cards not specified in this list, the current tariffs may be applied to the current accounts of PJSC "SAROVBUSINESSBANK"

2 Accounts in euros are opened only for cards of the Mastercard payment system, accounts in US dollars for cards of the VISA and Mastercard payment systems

3

1.2. For current card individuals using bank cards with grace period lending, account currency - Russian rubles

4 Charged annually no later than the last working ten days of the year. If the balance of funds in the account is less than the established commission, the commission is set in the amount of the account balance.

1.3. Business account for transactions using corporate bank cards

5 Charged annually no later than the last working ten days of the year. If the balance of funds in the account is less than the established commission, the commission is set in the amount of the account balance.

1.4. For current card accounts of individuals using cards of the UnionCard payment system

6 Due to the completion of the issue of cards of the UnionCard payment system, bank cards are not issued, the tariff is applied instead of the previously existing tariffs

• "Common for individuals, account currency - rubles",
• "Pension card, UnionCard, account currency - rubles",
• "Salary, UnionCard, account currency rubles",
• "Salary for employees budgetary institutions and employees of PJSC "SAROVBUSINESSBANK", UnionCard, account currency - rubles"

7 Charged once a year no later than the last working ten days of the year, with the exception of accounts opened for crediting subsidies

8 With the exception of accounts opened under an agreement for crediting subsidies

2. Emission tariffs. Issuance and servicing of bank settlement (debit) cards of international payment systems Visa, Mastercard

2.1. "General for individuals" using payment (debit) cards, card account currency - US dollars, euros

9

10 The cost of card servicing includes the SMS service package.

11

12

13

2.2. "General for individuals" using payment (debit) cards, card account currency - Russian rubles

14 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

15

16

17 The cost of service includes the SMS service package. Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the countdown of the first year of service begins from the date of card issue, and each subsequent year from the date following the end date previous year service. Payments for the commission are carried out on the first working day of the year of Card servicing, in the absence of funds on the specified date at the end trading day in the amount necessary to pay the commission, the Client’s Card is blocked and is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.

18 If technically possible

19 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

20 Transaction amount in foreign currency recalculated into the currency of settlements with payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

2.3. "Card Plus" for individuals who have deposits or loans with PJSC "SAROVBUSINESSBANK", card account currency - Russian rubles

21 Cards are issued subject to the placement of a deposit/deposit in a bank or if there is a valid loan agreement, and the same when connecting RBS. The type of card and card product is determined by the Bank. From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

22 Technological features of the sticker card support payment for goods and services using contactless technologies. If technically possible Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.

23 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.

24 The commission is charged if there are funds in the client’s account on the date of payment, or if there are no funds in the client’s account on the date of payment, it is charged upon first receipt without additional order from the client. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.

25 If technically possible

26 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

27 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account.

2.4. "Premium" for individuals Visa Infinite, account currency Russian rubles/US dollars

28 The bank invites VISA INFINITE cardholders to personal service at SBB GOLD offices. The cost of card servicing includes the SMS service package, issue of the PriorityPass card, as well as services provided by the payment system: comprehensive insurance policy VISA CEMEA INFINITE - PRIVILEGE PROGRAM, concierge service, emergency assistance, and others Special offers. Additionally, a card may be issued at the tariff " Virtual card"free of charge, as well as up to 3 bank cards Visa Gold/MasterСard Gold (RUR, USD, EUR) with the Representative tariff, to a VISA INFINITE account or as an independent product in the name of the client or in the name of other persons of their choice client.

29 The cost of card servicing includes an SMS service package, the issue of a PriorityPass card, as well as services provided by the payment system: a comprehensive insurance policy VISA CEMEA INFINITE - PRIVILEGE PROGRAM, concierge service, emergency assistance, and other special offers. Additionally, a card can be issued at the “Virtual Card” tariff without charging a fee, as well as up to 3 bank cards Visa Gold/MasterCard Gold (RUR, USD, EUR) with the “Executive” tariff, to a VISA INFINITE account or as an independent product in the name of the client or in the name of other persons at the client’s choice.

30 Issued only as part of individual special offers of the Bank or marketing promotions. The cost of card servicing includes an SMS service package, the issue of a PriorityPass card, as well as services provided by the payment system: a comprehensive insurance policy VISA CEMEA INFINITE - PRIVILEGE PROGRAM, concierge service, emergency assistance, and other special offers. Additionally, a card can be issued at the “Virtual Card” tariff without charging a fee, as well as up to 3 bank cards Visa Gold/MasterCard Gold (RUR, USD, EUR) with the “Executive” tariff, to a VISA INFINITE account or as an independent product in the name of the client or in the name of other persons at the client’s choice.

31 Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of servicing the Card; if there are no funds on the specified date at the end of the business day in the amount necessary to pay the commission, the Client’s Card is blocked and is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.

32 Technological features of the sticker card support payment for goods and services using contactless technologies. If technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and the client’s signature on the check. A sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.

33 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank

34 If technically possible

35 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

36

37

38 For accounts in Russian rubles - at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

39 The bonus program (one of the available ones: either accrual of miles or cashback) is set when the card is issued and cannot be changed until the end of the card’s validity period

2.5. "Executive" for individuals, account currency Russian rubles/US dollars/euro

40 No more than one card is issued for one card account. From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

41 Technological features of the sticker card support payment for goods and services using contactless technologies. If technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.

42 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.

43 If technically possible

44 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

45 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

2.6. "Virtual card"

46 Cards are issued without opening a current card account. The cost of issuing the card includes the SMS service package. The type of payment system and card validity period are determined by the Bank. From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

47 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

2.7. "Gift card"

48 Cards are issued if technically possible and without opening a current card account. Issued without the holder's name on the Card. The validity period and type of card are set by the Bank

2.8. "Corporate card"

49 Limits set on the card for cash withdrawal transactions: RUB 100,000. per day and 150,000 rubles. per month

50 If technically possible

51 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

52

3. Emission tariffs. Issuance and servicing of bank settlement (debit) cards of the national payment system "Mir"

3.1. "General for individuals" using settlement (debit) cards of the national payment system "Mir", card account currency - Russian rubles

55 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge. Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of servicing the Card; if there are no funds on the specified date at the end of the business day in the amount necessary to pay the commission, the Client’s Card is blocked and is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.

56 If technically possible

57 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

58 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

3.2. "Representative" for individuals, account currency is Russian rubles

64 No more than one card is issued per card account

65 If technically possible

66 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

67 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

3.3. "Pension card" for individuals, account currency - Russian rubles

68 Card accounts and cards are opened for pensioners upon presentation of a pension certificate, or for persons who have reached retirement age in accordance with current legislation. For citizens with permanent residence outside the Russian Federation, an international payment system card is additionally issued at the "Executive" tariff with the opening of a separate account.

69 Issued without the holder's name on the Card. The card is not intended for use on the Internet.

70

71 If technically possible

72 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

73 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

3.4. "Social protection card" for individuals, account currency - Russian rubles

74 The card is intended for crediting benefits and other social payments

75 Issued if technically possible without putting the holder's name on the Card. The card is not intended for working on the Internet and receiving cash from third-party banks.

76 The validity period of the card is determined by the Bank. Upon renewal, a personalized MIR Classic card is issued

78 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

79 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

4. Emission tariffs for salary projects

4.1. "Salary card", account currency - Russian rubles

80 The tariff is intended for individuals - employees of Enterprises (organizations) with the exception of budgetary institutions and organizations, card accounts and cards are opened if there is a transfer agreement wages and other social payments to employee accounts using bank cards with the Enterprise (organization). The tariff also applies to employees of PJSC "SAROVBUSINESSBANK".

81 The issue of cards can be paid for by the Enterprise (organization) in accordance with the concluded agreement on the transfer of wages and other social payments to employee accounts using bank cards. The validity period of the card is determined by the Bank.

82 Unless otherwise specified in the agreement with the Enterprise (Organization)

83 Unless otherwise specified in the agreement with the Enterprise (Organization)

84 Unless otherwise specified in the agreement with the Enterprise (Organization)

85 Unless otherwise specified in the agreement with the Enterprise (Organization)

86 Unless otherwise specified in the agreement with the Enterprise (Organization)

87 Unless otherwise specified in the agreement with the Enterprise (Organization)

88 Unless otherwise specified in the agreement with the Enterprise (Organization)

89 Unless otherwise specified in the agreement with the Enterprise (Organization)

90 Technological features of the sticker card support payment for goods and services using contactless technologies. If technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.

91 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.

92 If technically possible

93 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

94 Unless otherwise specified in the agreement with the Enterprise (Organization)

95 Unless otherwise specified in the agreement with the Enterprise (Organization)

96 Unless otherwise specified in the agreement with the Enterprise (Organization)

97 Unless otherwise specified in the agreement with the Enterprise (Organization)

98 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

4.2. "Salary card for budget payments", account currency - Russian rubles

99 The tariff is intended for individuals - employees of budgetary state and municipal bodies, institutions, government off-budget funds; civil servants and recipients of government scholarships. Card accounts and cards are opened if there is an agreement on the transfer of wages and other social payments to employee accounts using bank cards with the Enterprise (Organization).

100 The tariff is intended incl. for individuals - employees of Organizations, recipients of payments from the budget of the city of Sarov under a separate agreement

101 Unless otherwise specified in the agreement with the Enterprise (Organization)

102 Unless otherwise specified in the agreement with the Enterprise (Organization)

103 Unless otherwise specified in the agreement with the Enterprise (Organization)

104 Unless otherwise specified in the agreement with the Enterprise (Organization)

105 Unless otherwise specified in the agreement with the Enterprise (Organization)

106 If technically possible

107 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

108 Unless otherwise specified in the agreement with the Enterprise (Organization)

109 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

4.3. "Salary card for employees of Rosatom enterprises in Sarov", account currency - Russian rubles

110 The tariff is intended for individuals - employees of Rosatom enterprises (organizations), including employees of the Federal State Unitary Enterprise "RFNC-VNIIEF"

111 The issue of cards can be paid for by the Enterprise (organization) in accordance with the concluded agreement on the transfer of wages and other social payments to employee accounts using bank cards. The validity period of the card is determined by the Bank.

112 The issue of cards has been discontinued since 04/02/2018.

113 Up to 5 additional cards for one card account are issued without charging a fee. Charged upon issuance of the 6th and subsequent additional cards

114 Up to 5 additional cards for one card account are issued without charging a fee. Charged upon issuance of the 6th and subsequent additional cards

115 Unless otherwise specified in the agreement with the Enterprise (Organization)

116 Technological features of the sticker card support payment for goods and services using contactless technologies If technically possible Card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.

117 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.

118 If technically possible

119 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

120 Unless otherwise specified in the agreement with the Enterprise (Organization)

121 Unless otherwise specified in the agreement with the Enterprise (Organization)

122 Unless otherwise specified in the agreement with the Enterprise (Organization)

123 Unless otherwise specified in the agreement with the Enterprise (Organization)

124 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

125 The bonus program (one of the available ones: either accrual of miles or cashback) is set when the card is issued and cannot be changed until the end of the card’s validity period. By default, cards are issued with bonus program cashback.

5. Emission tariffs. Servicing bank cards that have been discontinued

5.1. “General for individuals”, “Card plus Deposit” for cards issued before 04/01/2018.

126 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

127 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

128 Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Payments for the commission are carried out on the first working day of the year of servicing the Card; if there are no funds on the specified date at the end of the business day in the amount necessary to pay the commission, the Client’s Card is blocked and is not serviced. When money is deposited into the card account for the first time, the annual service fee is charged in full, and the Card is blocked. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.

129 If technically possible

130 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

131 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

5.2. "Pension" for cards issued before 07/01/2017.

132 If technically possible

133 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

134 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

5.3. "Card Plus" for cards issued before 10/01/2019.

135 From 10/01/2019 SMS service and Viber notifications are provided on a paid basis. When connecting to SBB Mobile, Push notifications are provided free of charge.

136 If technically possible

137 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

138 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account.

6. Emission tariffs. Bank cards with a grace period for lending.

6.1. "Credit card. CASH"

139 Issued subject to technical availability

140 Charged annually for each year of card validity from the card account. In this case, the year of service is taken to be equal to 365 or 366 days, in accordance with the actual number of calendar days in a year, the counting of the first year of service begins from the date of card issuance, and each subsequent year - from the date following the end date of the previous year of service. Fee payments are made on the first working day of the Card servicing year. When you first receive money into your card account, the annual service fee is charged in full. The validity period of the card is determined by the Bank upon issue and is indicated on the front side of the card.

141 Technological features of the sticker card support payment for goods and services using contactless technologies. If technically possible, card transactions using contactless technology for amounts within 1000 rubles. are carried out without entering a PIN and signature. client on the check. If you have a card account, a sticker card can only be issued as an additional card. Restrictions on permitted transactions using a sticker card (activity limits) are similar to the restrictions on the main card.

142 The type of payment system, name of the card product and validity period of the sticker card are determined by the Bank.

143 If technically possible

144 The list of partner banks is posted on the official website of PJSC "SAROVBUSINESSBANK"

145 The transaction amount in foreign currency is recalculated into the currency of settlements with the payment system in accordance with the rules of the system, and from the currency of settlements into the currency of the card account at the rate of PJSC "SAROVBUSINESSBANK" on the day the transaction is reflected on the card account

7. Additional services for bank cards

7.1.1. Connecting to SMS services via ATM

not charged

7.1.2. SMS service, incl. SMS messages - notifications about each transaction using a card to a mobile phone number

59 RUB / 0.9 USD / 0.9 EUR per month 146

7.1.4. Push notifications when connected to SBB Mobile

not charged

is not provided

7.2. Providing, at the request of the cardholder, information about the available spending limit on a bank card using ATMs of other banks

30 RUB / 0.6 USD / 0.6 EUR per request

7.3. Request for documents confirming the completion of a transaction outside the acquiring network of PJSC "SAROVBUSINESSBANK" in the presence of a statement of disagreement with the transaction

ruble equivalent of 5 US dollars for each requested document

7.4. Changing PIN at ATMs of PJSC "SAROVBUSINESSBANK"

30 rub. / 1 ​​dollar. US/1 euro

By posting relevant information in the SBB Online / SBB Mobile remote banking system;

By sending a notification (information) to the address Email;

Receiving a mini-statement of transactions performed using a bank card at ATMs of PJSC "SAROVBUSINESSBANK"

not charged

146 The monthly fee is collected on the date of service activation after the service has been provided for a full month. The first collection of the tariff established from 10/01/2019 is carried out starting from 11/01/2019. for services provided in October 2019.

147 The monthly fee is collected on the date of service activation after the service has been provided for a full month. The first collection of the tariff established from 10/01/2019 is carried out starting from 11/01/2019. for services provided in October 2019, unless otherwise specified in the agreement with the Enterprise (Organization).

148 Unless otherwise specified in the agreement with the Enterprise (Organization)

149 The monthly fee is collected on the date of service activation after the service has been provided for a full month.

150 The monthly fee is collected on the date of service activation after the service has been provided for a full month. Unless otherwise specified in the agreement with the Enterprise (Organization)

Table 1

151 Charged from the merchant

9. Tariffs for online transfers from card to card at ATMs of PJSC "SAROVBUSINESSBANK"

152 If it is technically possible to perform the operation