Mestbank is an associate member of the Europay Int. international payment system and also issues plastic cards under the Russian national payment system Union Card.
ALLIANCE Inter-Bank Programme
Mestbank is a member of the Alliance inter-bank program. Thanks to that program, its customers have an opportunity to become holders of VISA and EUROPAY Int. international payment systems' cards.
Alliance VISA
- Classic (personal)
- Business (corporate)
- Gold (personal)
Alliance Electron, personal (VISA Electron)
Alliance Debit, personal (Cirrus/Maestro)
Alliance Europay/MasterCard
- Mass, personal
- Business, corporate
- Gold, personal
Holders of Mestbank personal cards can:
- use several cards while keeping just one card account with the Bank;
- get a supplementary card for their next of kin.
Holders of Mestbank GOLD cards:
- are given free of charge an IAPA (International Airline Passengers' Association) card entitling its holder to hotel bill and car rental discounts all over the world.
Conclusion of Agreements with Trade Organisations on Acceptance by the Latter of International Plastic Cards as a Means of Payment
Mestbank offers organizations in retail sales of goods and/or services participation in a variety of electronic payment schemes by means of acceptance of international payment cards:
- Eurocard/Mastercard$
- Visa
- Maestro
- Electron
- Union Card
To become an authorized participant, a Merchant will just have to conclude the relevant agreement with Mestbank.
In addition to the list of its services regarding plastic cards Mestbank has introduced a new one -- agreements with merchants on acceptance of VISA, EC/MC and Union Cards.
Advantages of Dealing with Mestbank:
- the Merchant is free to determine the procedure of card acceptance (use of imprinter or an electronic terminal);
- installation of the imprinter and delivery of slips and other materials are free of charge;
- the Merchant can keep its account either with Mestbank or with any other bank;
- to conclude a Merchant-Acquirer agreement with Mestbank, the Merchant does not have to be a bearer of the Central Bank of the Russian Federation license to sell goods and/or services for foreign currency, because Mestbank gives its acquired Merchants an opportunity to transact operations on every kind of plastic cards in Russian roubles.
For more detailed information, please phone (095) 124-27-17
Terms of Acquisition of National and International Payment Scheme Plastic Cards
VISA and EuroCard/MasterCard Tariffs
| Services and penalties |
Classic/ Standard |
Business |
Gold |
Salary Classic/ Standard |
Electron/ Cirrus Maestro |
| Minimum balance |
$400 |
$1,000 |
$4,000 |
- |
- |
| Initial amount |
$500 |
$1,000 |
S 2,000 |
- |
- |
| Interest accrued on reserve deposit |
4 percent |
4 percent |
6 percent |
- |
- |
| Charges for the opening and keeping of card account |
$30 |
$100 |
$250 |
$30 |
S 15 |
| Issue of a supplementary card for the holder's next or kin (in case of Business card, for employees) |
$30 |
$100 |
$150 |
$30 |
S 15 |
| Urgent issue of a card |
$25 |
$25 |
$35 |
$25 |
$20 |
| Blocking of a lost card* |
$60 |
$120 |
$150 |
$60 |
S 20 |
| Re-issue of a card in case of loss or damage |
$25 |
$25 |
$50 |
$25 |
$15 |
| Penalty for overdraft (accrued on the amount of overdraft, charged monthly) |
360 percent per annum; with overdraft persisting for over 30 days, the above rate plus $100 |
360 percent per annum; with overdraft persisting for over 30 days, the above rate plus $100 |
360 percent per annum; with overdraft persisting for over 30 days, the above rate plus $100 |
360 percent per annum; with overdraft persisting for over 30 days, the above rate plus $100 |
360 percent per annum; with overdraft persisting for over 30 days, the above rate plus $100 |
Charges for cash advance
-Most-Bank network, roubles;
-Most-Bank network, USD;
-other banks roubles/USD |
-no charge;
-0.5 percent;
- 0.5 percent, but no less than 15 roubles |
-no charge;
-0.5 percent;
- 0.5 percent, but no less than 15 roubles |
-no charge;
-0.5 percent;
- 0.5 percent, but no less than 15 roubles |
-no charge;
-0.5 percent;
- 0.5 percent, but no less than 15 roubles |
-no charge;
-0.5 percent;
- 0.5 percent, but no less than 15 roubles |
| Charges for conversion operation at account replenishment, percent of amount of the operation |
Central Bank rate + 1 percent |
Central Bank rate + 1 percent |
Central Bank rate + 1 percent |
Central Bank rate + 1 percent |
Central Bank rate + 1 percent |
| Charges for non-cash operation |
0.2 percent |
0.2 percent |
0.2 percent |
0.2 percent |
0.2 percent |
| Extra copy of account statement |
$5 |
$5 |
$5 |
$5 |
$5 |
| Re-assignment of PIN code |
$5 |
$5 |
$5 |
$5 |
$5 |
In case of rouble accounts, the charges and penalties are paid in roubles, at the Central Bank rate as of the day of payment.
Note: An extra fee is charged for stop-listing the card.
MESTBANK-UNION CARD Tariffs
| Type of payment |
Individual holders |
Holders of salary cards |
| Minimum balance |
$100 |
None |
| Initial amount, at least |
$100 |
None |
| Interest accrued on the card account balance (quarterly) |
2 percent |
2 percent |
| |
20 percent |
20 percent |
| Opening of the card account and its keeping for a period of one year |
7 percent |
7 percent |
| Access to the account of the principal holder's next of kin |
$7 |
$7 |
| Penalty for loss of card |
$30 |
$30 |
| Penalty for overdraft (plus interest on the overdraft-related advance) |
$10 + 360 percent |
$10 + 360 percent |
| Charges for cash advancement at Mestbank cash advancement location |
1 percent |
0.25 percent |
| Charges for cash advancement at UNION CARD cash advancement locations and bancomats |
2 percent |
1 percent |
| Charges for conversion operations, percent of the amount |
0.7 percent |
0.7 percent |
| Extra copy of account statement |
2 percent |
2 percent |
- The amounts of fees and penalties charged for rouble cards are equivalent to those charged for USD cards, but these are paid in roubles, at the Central Bank rate. The interest is accrued in the currency of the account.
- Mestbank charges no fees for non-cash operations that require no conversion.
Tariffs for Cash Advancements to Holders of VISA, EC/MC, Most/Card and Union Card
| Type of card service |
Charges (percent) |
| VISA |
Other banks |
2 |
| Mestbank's cards |
1 |
| EC/MC |
Other banks |
2 |
| Mestbank's cards |
1 |
| MostCard |
|
2 |
| Union Card |
Outsider |
1 |
| Mestbank cards |
0.5 |
| Mestbank's employees |
0.25 |
|
