Rules for servicing a debit bank card. Conditions and procedures for issuing credit cards to individuals. Conditions for issuing bank cards.

General provisions

Conditions banking service individuals of OJSC Sberbank of Russia, Mount Mount bank cards, Album of tariffs for services provided by OJSC Sberbank of Russia individuals", Application for banking services, an application for a bank card in aggregate is concluded between the client and the bank for the issue and maintenance of a bank card (hereinafter referred to).

The Bank issues a map to the client on the basis of an application for a bank card by the Bank's bank card established (hereinafter referred to as the "Application Card" application), a properly completed and signed by the Client. The release of the card and the opening of the card account is carried out in the case of the Bank's acceptance of a positive decision on the possibility of issuing a map of the Card declared by the Client.

The client undertakes to comply with the terms of the contract.

Features of the release and maintenance of individual card products are determined in section 7 of these Terms of Use of Maps. In the case of contradictions between the main provisions of the terms of the use of maps and the features of the issue and maintenance of the card product, as defined in Section 7, the latter are prevalent.

Expenditure limit - amount moneyavailable for card operations including balance own funds The client on the card account and the sum of the overdraft limit on the card account, minus the amounts of operations blocked on the card account, taking into account the relevant Commission. Blocking the amount of the card account (reduction of the expenditure limit) is performed at the time of confirmation by the client of the operation through remote service channels, or when performing an operation using an authorization card, or when making money transfer from the card account in accordance with the terms of the contract. Other terms used in the "Terms of Use of Banking Cards of Sberbank of Russia OJSC (hereinafter referred to as" Card Use Conditions "), are the same meaning as in the" Conditions of Banking Services of individuals from Sberbank Russia. "

Bank card

The map is the property of the bank and is issued to temporary use.

The Bank has the right to refuse without explaining the reasons for issuing or re-careing the map in the absence of the person specified in the application for the receipt of the card, registration (registration) on the territory of the Bank's service, providing them with a statement to receive incorrect information, unstable financial position or any other Data indicating the impossibility of issuing (reissue) cards this person, as well as in cases provided for by law.

The card can be used by the holder for payment of goods and services, obtaining / contributing in cash in credit organizations and through ATMs, to make other bank accounts / customer deposits, provided by the contract. The ability to use a card is determined by the presence of a logo of the payment system, taking into account the constraints set by the Bank for some types of card products.

Using the Card, the Client is able to perform operations and receive information on its accounts, deposits, displaced metal accounts In a bank through remote service channels.

The Bank reserves the right at any time at its own discretion to change the set of operations, services and functions performed using the card. Carding operations through the self-service devices provided for by the Treaty may be limited in ATMs of other banks.

The client has the right to contact the Bank at the place of reference with a written application for an additional card, with the exception of card products for which the release of an additional card is not provided in accordance with Section 7 of these "Card Use Conditions" section.

When receiving a card, the holder is obliged to sign a map in a specially designated place on the map. The absence or inconsistency of the signature on the signature map is affixed by the holder on a document using a card operation, may be the basis for the failure to carry out an operation using a card and withdrawing such a map from the circulation.

The card is valid until the last day of the month indicated on the front side of the card, inclusive. It is prohibited to use the card (its details) with expired actions. The Bank is not responsible for the late receipt by the cardholder released on new term actions.

The bank has the right to reissue the card (including an additional) after its expiration date if the client did not notify the Bank in writing for 60 calendar days before the expiration of the card to refuse to use the card.

The card is not reissued in the absence of operations using a map during the year preceding card reissue.

To reissue the map before its expiration, the client must submit a written application to the Bank at the Map Account.

Map Visa Classic., MasterCard Standard. With individual design.

The map with an individual design is manufactured with applying the image card selected by the client.

Applying for the release of maps with an individual design is carried out via the Bank's website. The client itself signs an application for a card upon receipt of a manufactured card in the Bank's division.

The client creates the design of the front side of the card with an individual design: - By choosing a map of the design of the designs available in the bank; - By downloading the image, including the photo image, which is available to the client.

When the map is released with an individual design with the image of the image provided by the client, the client guarantees that it has the right to use and dispose of this image, including the right to provide it to the placement jar on the map with an individual design, and what is the use of the image Does not violate the rights and legitimate interests of third parties, including the rights of private property, the inviolability of privacy, exceptional (property) rights, as well as personal non-property and other rights.

The client is obliged to notify people captured in the image that this image will be used to accommodate on the map with an individual design, and get their consent to such use. The Bank has the right to request evidence to confirm the consent of the persons specified in the image or confirmation of the use of the image to the client.

It is forbidden to use to place on maps with an individual design image containing:

phone numbers, numbers, texts, letters, addresses (including electronic), Internet sites in any languages, any calculus systems;

medals, coins, monetary signs, brands, bills, incl. old and unsupened;

political, religious, religious slogans and symbols, flags, emblems and other symbols of power, with restrictions - the form of any kind of troops (including images of people in the form);

materials that have any attitude to antisocial / prohibited groups, minorities, events and events;

materials and symbols of anticultural, antireligious, antisocial, racial and discriminatory orientation;

any materials and images of sexual character;

photos or images of public people, such as well-known musicians, writers, athletes, leading, etc., fictional characters (heroes of cartoon films, etc.);

families from movies, cartoons, illustrations to books;

promotional materials, trademarks and mechanisms, abbreviations, symbols and names of companies, as well as products of registered trademarks and maintenance signs (including cars and other equipment with trademarks and service signs);

image of a person (including the image of the card holder), which implies use for identification purposes;

images of people in equipment / workwear with recognizable / readable brands / trademarks / service marks, images of cars and other equipment with recognizable brands / trademarks / service marks;

any images of alcoholic and alcohol-containing products (including bottles, wine glasses and other attributes of peetical institutions), as well as tonic drinks, cigarettes, cigars, tubes, cards, roulettes, slot machines, tote, other attributes of gambling;

images associated or associated with the manufacture and use of drugs;

images of weapons and military equipment: pistols, automata, tanks, military aircraft, ships, rockets, etc.;

images that may entail problems when maintaining a map in trade / services enterprises;

other images recognized by the bank and / or an international payment system are invalid to accommodation on the map.

In case of violation of the above requirements, the Bank has the right to refuse to the Client in the Card Release and ask to replace the image.

The image on the map with an individual design can have minor differences from the image on the monitor screen, due to the features of the color reproduction settings (calibration) when applying by the client via the Internet.

When issuing a map with an individual design with the image provided by the Client, the Client is responsible to the Bank and third parties on any claims and claims that can be brought to the Bank or International Payment Systems Visa International and MasterCard International in connection with the violation of copyright and other rights. caused by the location of this image on the map with an individual design. The client undertakes to compensate for the bank to the damage caused in connection with the violation of copyright and other rights in the cases specified in this paragraph.

The release of additional cards to the card account with an individual design is carried out with the design corresponding to the design of the main card with an individual design.

A card with an individual design is reissued with the image selected by the client when the specified card is released.

Changing the design with an individual design card with an individual design for any reason is allowed with the consent of the Bank and if the Bank has the relevant technical capabilities.

to order approved by order from 05/22/2015 № 260,

amended by order of 08.07.2015 No. 359,

changes made by order of 08/21/2015 No. 417

amended by order of 09.11.2015 No. 534

BBR Bank

(joint-stock company)

Conditions for the issue and maintenance of bank cards

1. Terms and definitions

1. 
   In these Terms of Release and maintenance of bank cards BBD Bank ( Joint-stock company) (hereinafter referred to as conditions) are used as follows. Terms and Definitions:

• 
  Authorization – the procedure for obtaining permission from the bank necessary to perform an operation using card / details of the map and generating the bank's commitment to execute the holder orders composed using the card / details of the map. After the implementation of authorization, the holder has no right to dispose of cash within authorized amounts until the amount of the amount of authorized operation from the account or cancellation of authorization is written off.
• 
  Authentication – certificate of the eligibility of addressing the cardholder to the bank to make banking operations using a bank card / details of the map.
• 
  Bank - BBR Bank (Joint Stock Company).
• 
  Bank card(map) - Electronic payment of payment manufactured by the Bank and are a means to compile settlement and other documents payable at the expense of the client.
• 
  Type of bank card -banking cards of payment systems: Mastercard payment system LLC -Cirrus / Maestro, Standard, Gold, Business ; Ltd Payment system "Visa" - ELECTRON,Classic, Gold. manufactured by the bank.
• 
  Map Lock – the procedure for establishing a technical restriction bank for performing operations using a card, providing a bank failure from the provision of authorization.

• 
  Extract - A document containing information about operations performed using a bank card and account balance at the time of the formation of discharge, as well as other information that the bank considers it necessary to bring to the attention of the holder.
• 
  Card Currency -the currency in which the holder opened the bill account.
• 
  Currency of operation - The currency in which the holder has an operation using a b Ankov card.
• 
  Currency calculations - A currency in which calculations are carried out on operations using bank cards between the bank and the payment system.
• 
  Holder - Client or representative, in the name of which, in accordance with the legislation Russian Federation and regulatory documents Bank of Russia, a bank card has been released.
• 
  Authorized representative of the client (hereinafter - "Representative» ) - an individual for whom, in accordance with the legislation of the Russian Federation and regulatory documents of the Bank of Russia, issued Additional map.

• 
  Client - A physical person who has entered into an agreement with the bank, in the name of which, in accordance with the legislation of the Russian Federation and the regulatory documents of the Bank of Russia, is opened in the bank (account owner).
• 
  Payment systems -Ao " National System Payment cards ", MasterCard payment system LLC and LLC Payment System" Visa ".
• 
  Instant map - bank card payment systems "MasterCard" OOO- Cirrus / Maestro and VIZA payment system LLC - Visa Electron and Visa Classic (undembossed), allowing to access non-cash payments to pay for goods and services, cash withdrawal, bank transfer, as well as to remote account management. The Cirrus / Maestro card does not contain CVC / CVV2 and is not intended to pay for goods and services on the Internet. Map Visa. Classic (undembossed) contains an inscription - Electronic User Only.

• 
  Moto.(Mobili Order / Telephone ORDER ) - type of operations, when executing which, the bank card holder remotely reports the details of the card by phone, fax or e-mail, while the card is physically not involved in the payment.
• 
  Unresolved overdraft -spending the fund holder over the remainder on the account or above the established payment limit.
• 
  Mobile operator - OJSC Mobile TeleSystems, JSC MegaFon.

• 
  Basicmap - Bank card issued to the client.
• 
  Additional map - Bank card issued to the client's name or the representative of the representative. The representative does not conclude an agreement with the Bank, is not the account owner, but has the right, on the basis of the written authority (power of attorney) of the Client to dispose of funds posted on the Client's account.

• 
  Pin - personal an identification number, Individual code assigned by the map and used by the holder when performing operations using a card as an analogue of its own signature.
• 
  Pay limit- The amount of funds available to the holder to perform operations using the B Ankov card and installed as the difference between the balance of funds on the account and the sum of the authorized holder of authorized, but not yet paid operations.
• 
  Processing Center of the Bank (UCS.) - independent processing center (Cockki JSC) serving operations with bank card cards in accordance with the Agreement between the Bank and the processing center.
• 
  Settlement information- information presented in electronic form, on operations using bank cards, compiled on the basis of documents on operations using bank cards.

• 
  Score(Abbreviated SCS) – bankCustomer based on the contract.
• 
  Customer Support Service -The system of software and hardware complexes of the bank, allowing the holder after its successful identification through a telephone channel with the participation of the operator - a bank employee, remotely obtain reference information about the operations carried out with the participation of a card or its details, available to the remote on the map, limits, restrictions and locks, carry out operations and also disable / connect services provided by the contract.
• 
  Bank tariffs - Collection of commissions and various fees charged by the Bank for the provision of services for the release and maintenance of bank cards.

• 
  SMS-informing -service operational alert I Customer, bank card holder on authorizations conducted.SMS. - Message goes directly After performing the operation on the map / details of the card to the room mobile phonespecified by the client. The SMS message is considered to be received by the holder at the date of departure of the SMS message by the Bank.SMS-information is carried out by sending an SMS message, indicating the form, the amount of the operation, the card number, using which this operation is performed, as well as information about the availablepayment lIM on the map at the time of completion of the current operation.
• 
  Special equipment for drawing up operations for operations using bank cards:

• 
  ATM (ATM) - Electronic software and technical complex intended for issuing and receiving (if there is an appropriate opportunity in an ATM) of cash, drawing up operations on operations, issuing information on the account, implementation of non-cash payments using B Ankov cards. Upon completion of the issuance, receiving cash and cashless payment of services, a check is issued, which indicates the date of the operation, the amount in the currency of the operation, an affordable balance of the bank card at the time of the current operation and the economic essence of the operation;
• 
  Cash issuance point (PVN)- Place (cashier of the bank, cash desk of the bank, cash desk of an additional office of the bank, cash desk of the Bank's operating office) of operations on receiving, issuing cash with the use of bank cards. Upon completion of the issuance or cash intake operation, 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 (TSP) - An organization receiving bank cards for payment for sold goods or services. Upon completion, the payment operation is issued a check, which indicates the date of the operation, the amount in the currency of the operation and the economic essence of the operation;
• 
  Electronic terminal - Electronic software and technical device designed to perform operations using b Ankov cards. Upon completion of the operation, 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;
• 
  Imprinter - a mechanical device designed to transfer the defective details of a bank card to a document on operations using bank cards compiled on paper. Upon completion of the operation, 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.

• 
  Receipt(Document for operations using bank cards) -the basis for the implementation of settlements on operations using a bank card and serving the confirmation of their committed, compiled using special equipment with the participation of the bank card details on paper and / or electronically signed by the holder or certified by PIN or disposable password3D-Secure protocol.
• 
  Service "UCS SMS-Banking" -the remote access of the holder to its card accounts and other services provided by the Bank to the client using cellular communication (by the number (s) of mobile phone (s)).
• 
  Service "Autoplating" - The service for automatically replenishing the balance of the phone (l / s subscriber) in cellular operators in rubles of the Russian Federation, when it decreases to the established threshold, from the bank card account on the basis of the client's instructions.
• 
  3D-Secure. - Protected protocol for authorizing a bank card holder forCNP operations (without a map presence). This technology is applied to the security of payment of goods and services on the Internet using disposable passwords.

Plastic bank cards have long become part of the life of each modern person. And there are a number of reasons for it. Someone - salary, others - scholarship or material assistance Gets on bank cards.

Types of bank cards, conditions for their discovery, use, ways to closing, as well as the history of this financial product You can find out by reading this article. The most popular international SystemsRelease and Support plastic cards.

Origin and further development history

Consider plastic cards, starting from the moment the first bank cards began to appear.

Trading boom in America in the fifties of the last century, as in the whole world, money was used in two types: cash and non-cash.

If everything is clear with the first form, then on the second one will stop your attention.

Cashless money then were checks and check records. The modern user of the plastic card is understood by all negative aspects of the use of the checkbook:

The possibility of fake;

Long design of each operation;

You always need to carry a paper check with you, which can be easily spoiled.

During the same American trading boom, when the number of trade transactions multiplied several times, the need to have a means that will be reliable than checks, very much aggravated.

The choice should depend on the needs.

Knowing everything listed features Maps, you can easily choose a suitable for ourselves. The most important thing is to correct your needs. For example, why do you need a "credit card" if you are a secured person, as well as a "corn" card, if you do not use the services of "Euroset" or its partners?

Also consider: the higher the class of the card, the more expensive you will cost it. If you are a student, then golden Card You clearly have anything. And with frequent travels abroad and a rather large turnover of personal funds without a platinum bank card, you can not do, given all the services that will be available to you.

Pay your MasterCard card by Jay Endi Bank with Apple Pay. And Google Pay!

Bank cards MasterCard

Take advantage of all the advantages of international plastic MasterCard bank cards - a modern and convenient payment.

Choose that card that most fully matches your needs:

• Functional MasterCard Standard
• Prestigious Mastercard Gold.
• Luxury MasterCard Platinum

Decide on the currency of the card - to issue a map in rubles, dollars or euros. Do not forget about relatives and friends - several additional cards can be released to your account.

You can connect to the SMS-informing service and order a bank card issue. And all this can be done quickly and on competitive rates.

All bank cards are equipped innovative technology Contactless paymentsPaypasswhat allows you to pay for goods and services in one touch.

The owners of plastic cards Jay Endi Bank can independently change the PIN code in any ATMs that support this service.

We care about the security of your Internet settlements, so all bank cards are connected and support 3D-Secure technology. If the online store in which you make a purchase, supports MasterCard SecureCode technology, when making a payment, you will be redirected to a special site to enter a secret password. One-time password will be sent to you in the form of an SMS to a telephone number confirmed in the bank to which the map is connected. If the password is entered correctly, the operation will be approved or rejected depending on the result of checking the remaining conditions that are checked when performing the operation on the map (status and validity of the map, the adequacy of funds on the account, etc.). If the phone number is not confirmed in the bank, the operation will be rejected.

Internet bank

Jay Endi Bank offers you to use simple and convenient services of the Internet Bank system.

With the help of an Internet bank you can manage your card:

• instantly replenish the card from current accounts at any time convenient for you *
• block the map
• get information about the card operations (authorization on the map, information about the category TSP, in which the transaction was held (Merchant Category Code)
• request information on card account operations (account statement)
• send a letter to the bank about the need to re-remove the card or release new card, indicating the required type of card (Standard, Gold, Platinum), currency cards, code words and Latin name and surname

* There is a day limit of the recharge card. On working days from 10:00 to 16:00: 200 000 RUB / 5 000 EUR / 5 000 USD. The rest of the time: 100 000 RUB / 2 000 EUR / 2000 USD.

Documentation

How to get a card?

You can open an account and place a bank card:

• In the Central Office of the Bank daily, except weekends, from 9.30 to 17.30 (on Friday - until 16.30).
• In the additional office "Tagansky" daily, except weekends, from 11.00 to 19.30 (on Friday to 18.15)

How to replenish the card?

With ways to replenish bank cards, you can read the link.

How to find out the available balance on the map using the SMS service service?

Make sure your card is connected to SMS informs.

Activate the money balance query service by sending SMS to the number 6470 With the text "80,500".

After activating the service to find out the available balance on the map at any time convenient for you, send an SMS to the room 6470 With the text "101", "residue" or "Balance".

In the response SMS, the balance will come on the last released card. If you have several cards, in SMS via space, specify the four last digits of the card.

Example SMS: 1234 residue

The cost of sending a message to the short number is charged by the cellular operator

Do not like PIN? Install your

From March 1, it was possible to establish a new PIN code for your card in any ATMs that support this service. The new option will allow you to change the PIN-code proposed by the Bank on a convenient combination of four digits for you.

When creating your own pin-code, a combination of four identical numbers (1111) and numbers in a row (1234, 4321) are not allowed.

To change the PIN code, you must go to the Main Menu section of the ATM and select the "PIN Change" operation, after which you need to follow the instructions on the ATM screen.

The service is paid according to the Tariffs.

Currency Operations on the map

We draw attention to the possible inconsistency of the amount of the operation performed using the card, and the amount of funds written off from the account of the cardholder for this operation, for example, if the operation using the card was performed in a currency other than the currency of the account (the conversion of funds is carried out by Course Bank). The reflection of the account operations is carried out on the basis of confirming the operation of documents, the day of receipt of which to the bank may not coincide on the day of the operation. At the same time, due to changes in currencies (cross-year cross-courses), it is possible to change the amount of the amount of funds to be debited from an account on the operation performed in a currency other than the currency of the account.

Payment of bank services

Commissions for maintenance of the map and the provision of services in the process of its service are charged in accordance with the Bank's approved tariffs on the fact of the provision of services. The Commission for the annual maintenance of the card (when issuing / re-release) is charged in accordance with the terms of the Card Release and Service Treaty, but no later than the day of receipt of the card. Commission for SMS-informing will be charged on the last working day of the month.

World of Comfort and Privileges

Cards are because they are called "gold" and "platinum", that they open the world of privileges and comfort by their holders. You have released by our bank maincard map GOLD or MasterCard Platinum? Then you have the opportunity to get tangible discounts and special conditions Service when paying for a card in hotels, restaurants and other partner enterprises Jay Endi Bank.

Compromote

Under no circumstances tell the PIN, the details of the card and do not transfer the map to use to third parties. If there are assumptions about disclosing IDUs, personal data that makes unlawful actions with your account, as well as if the card has been lost, immediately refer to the phone's round-the-clock contact center for the card lock. Until the map lock, you are risk associated with the unauthorized discriting of funds from the account. The Bank may independently suspend the card action in case of obtaining information about its possible compromise or violation of the terms of the contract for the release and maintenance of the card. To unlock the card, you need to contact the Bank's employee.

Safe Card