TARIFFS
FOR SERVICES RENDERED BY «AVANGARD» JSB UNDER DEBIT CARDS EXPRESS CARD
Affective since 1 november 2010 y.
EXPRESS CARD
1. CARD ACCOUNT CURRENCY RUR
2. CARD VALIDITY PERIOD INDICATED ON THE CARD
3. PAYMENTS SETTLEMENT FEE FOR THE PRIMARY CARD CHARGED AT ISSUANCE.
THE FEE IS CHARGED BEFORE THE FOLLOWING SETTLEMENT ANNUAL PERIOD AND IS DEBITED FROM THE CARD 0
ACCOUNT’S AVAILABLE BALANCE.
4. PAYMENTS SETTLEMENT ANNUAL FEE FOR THE ADDITIONAL CARD EXPRESS CARD SERVICE NOT AVAILABLE
5. FEE FOR STOPPING OPERATIONS ON THE CARD ACCOUNT, MADE WITH THE USE OF THE CARD, IN THE CASE OF
ITS LOSS. 0
TO BE DEBITED FROM THE CARD ACCOUNT’S AVAILABLE BALANCE.
6. CASH WITHDRAWAL FEE:
FEE RATE DEPENDS ON THE TRANSACTION AMOUNT BASED ON TOTAL AMOUNT OF CASH FUNDS FROM ALL
CURRENT AND CARD ACCOUNTS OF THE PRIMARY CARDHOLDER IN ALL CURRENCIES, WITHDRAWN WITHIN THE
LAST 30 CALENDAR DAYS INCLUDING THE DAY OF THE TRANSACTION (IN CALCULATING THE TOTAL AMOUNT THE
FOLLOWING IS ACCOUNTED FOR: THE AMOUNT WITHDRAWN – FOR WITHDRAWALS IN RUR, EQUIVALENT OF THE
AMOUNT OF TRANSACTION IS DEBITED FROM THE ACCOUNT AT THE RATE FIXED BY THE BANK OF RUSSIA AS OF
THE DATE OF EACH CASH WITHDRAWAL OPERATION – FOR WITHDRAWALS IN OTHER CURRENCIES)
UP TO RUR 300,000.00 (INCLUSIVE):
• AT CASH ADVANCE OFFICES OR IN CASH POINTS OF «AVANGARD» JSB 0%
• IN CASH POINTS OF PARTNER BANKS1 0.5%
• AT CASH ADVANCE OFFICES OR IN CASH POINTS OF ANOTHER BANK 1.5%
FROM RUR 300,001/00 UP TO 10,000,000.00 (INCLUSIVE) 2.5%
FROM RUR 10,000,001.00 AND UP 5%
MINIMUM AMOUNT OF CASH WITHDRAWAL FEE AT CASH ADVANCE OFFICES OR IN CASH POINTS OF ANOTHER RUR 90.00
BANK.
FEE AMOUNT IS CALCULATED BASED ON TRANSACTION AMOUNT AS OF THE DATE OF SETTLEMENT INFORMA-
TION ENTRY TO THE BANK. TO BE CHARGED TOGETHER WITH WRITING OFF OF THE AMOUNT FROM THE CARD
ACCOUNT.
7. CONVERSION FEE ON CROSS-BORDER TRANSACTIONS (MADE OUTSIDE THE RF TERRITORY).
IS CHARGED UNDER TRANSACTIONS WHICH ARE CONCLUDED:
- OUTSIDE THE TERRITORY OF THE RUSSIAN FEDERATION IN CASE THE TRANSACTION CURRENCY DIFFERS FROM
THE CARD ACCOUNT CURRENCY;
- THROUGH A CARD RUBLE ACCOUNT OUTSIDE THE TERRITORY OF THE RUSSIAN FEDERATION OR UPON PAYMENT
ON THE TERRITORY OF THE RUSSIAN FEDERATION MADE IN FAVOUR OF FOREIGN TRADE AND SERVICE INSTITU- 0.75%
TIONS WHEN THE CURRENCY TRANSACTION ARE RUBLES AND THE SETTLEMENT CURRENCY ESTABLISHED BE-
TWEEN THE BANK AND THE PAYMENT SYSTEM UNDER THE SAID TRANSACTION IS OTHER THAN RUBLES.
FEE IS CALCULATED BASED ON TRANSACTION AMOUNT AS OF THE DATE OF RECEIPT OF SETTLEMENT INFORMA-
TION BY THE BANK. TO BE DEBITED ON THE CARD ACCOUNT SIMALTANEOUSLY WITH THE EFFECTED TRANSACTION.
8. A FEE FOR AN ACCOUNT BALANCE REQUEST MADE THROUGH ATM OF ANOTHER BANK.
RUR 15/ USD 0.50/ EURO 0.50
CHARGED ON THE DATE OF SETTLEMENT INFORMATION RECEIPT BY THE BANK
9. EFFECTING STANDARD PAYMENTS2 VIA INTERNET-BANK AND THE BANK’S ATMS THE FEE IS SET BY THE BANK IN RESPECT OF EACH CLIENT
10. FEE FOR TRANSFER AND CONVERSION VIA INTERNET-BANK4 0%
11. FEE FOR PROVIDING A COPY OF RECEIPT FOR THE PERFORMED TRANSACTION. TO BE CHARGED FROM THE
RUR 120.00
FUNDS ON THE CARD ACCOUNT
12. COMPENSATION OF SUMS OF EXPENSES ACTUALLY INCURRED BY THE BANK IN CONNECTION WITH PREVEN-
TION AND INVESTIGATION OF UNAUTHORIZED USE OF THE CARDS. IN THE AMOUNT OF EXPENSES ACTUALLY INCURRED BY THE BANK
TO BE DEBITED FROM THE CARD ACCOUNT’S AVAILABLE BALANCE.
13. REDEMPTION OF THE BANK’S EXPENSES IN CONNECTION WITH CONSIDERATION OF A GROUNDLESS CLAIM
IN THE AMOUNT OF EXPENSES ACTUALLY INCURRED BY THE BANK
CONCERNING A TRANSACTION. TO BE DEBITED FROM THE CARD ACCOUNT’S AVAILABLE BALANCE.
14. INTEREST CALCULATED ON THE BALANCE OF THE CARD ACCOUNT NOT APPLICABLE
15. FEE FOR ACCOUNTING OF OVERDRAFT (IN PER CENT PER ANNUM OF THE OVERDRAFT AMOUNT)5 36%
16. SMS-INFORMATION ABOUT TRANSACTIONS MADE WITH THE CARD FREE OF CHARGE
17. CHANGE OF PIN IN THE BANK’S ATMS FREE OF CHARGE
18. CONNECTION TO INTERNET-BANK AND FURNISHING INFORMATION ON THE CARD ACCOUNTS FREE OF CHARGE
19. ISSUE OF ACCESS CARD FREE OF CHARGE
1
Information about partner banks is available at the site or offices of the Bank.
2
Standard payments – payments effected via Internet-Bank or in the Bank`s ATMs in the favour of receivers approved by the Bank. The list of approved receivers is avail-
able through Internet-Bank.
3
The amount of the fee due is being communicated through Internet-Bank or is displayed on the ATM screen before the transaction
4
The other transfer payments via Internet-Bank, made to the accounts in another bank, are subject to a special fee. The amount of fee is set in the Bank’s tariffs for service
and effect of transactions of individual person on current accounts, bank accounts (transactions are made with payment card), special current accounts and deposit ac-
counts with the use of Avangard Internet-Bank.
5
Interest shall accrue from the date following the date of overdraft on the Card Account.