Settlement and cash services

Nordea Bank offers you a service on cashless payment for a visa or a residence permit in Finland in Nordea Bank ATMs with use of bank cards by Visa International and MasterCard Worldwide international payment systems.

You may pay a consular fee at any time convenient for you:

• In stand-alone ATMs – around-the-clock
• In other ATMs – within the working hours of the company.

Payment of consular fees at Nordea Bank ATMs is effected in euro. Conversion of funds from the currency of transaction into the currency of the card account is conducted on the conditions of the issuer of the bank card.

The commission fee for consular fee payment in Nordea Bank office amounts to 5% of the transaction amount.

Crediting of funds to the accounts of the Embassy or the Consulate following payment through a Nordea Bank ATM is based on the following terms:

• if an operation is effected before 19:00 (Moscow time) – on the next business day;
• if an operation is effected after 19:00 (Moscow time):
  • on the first business day (if the day of operation is followed by a day-off or a public holiday) or
  • on the second business day (if the day of operation is followed by a business day).

To execute a payment transaction you must have a payment notice obtained from the Embassy or the Consulate as well as a bank card and have sufficient funds available in your bank account to accommodate the transaction.

You will be required to enter details of your payment notice on the ATM’s screen: a reference number, a type of the consular fee (a visa or a permit), the total amount of visas or permits to be paid, the final amount of payment in order to effect the transaction.

To obtain a visa or a permit you will have to submit to the Consulate or the Embassy a payment notice and the receipt confirming payment of the consular fee in the Nordea Bank ATM.

• Visa Virtual and MasterCard Virtual ›
• Visa Classic and MasterCard Standard ›
• Visa Platinum ›
• Visa Gold and MasterCard Gold ›

1. Nordea Bank issues hybrid smart cards with a microprocessor (chip) by Visa International or MasterCard Worldwide. Smart cards are more secure as information is partially saved on an embedded integrated circuit, a kind of minicomputer.
2. We offer RUB, USD and EUR cards.
3. Subcards may be issued for authorised persons.
4. If you need detailed information about the account movement over a certain period call our Contact Centre at +7 495 921-21-01 or 8 (800) 200-34-77. You will receive an account statement either by fax or email.
5. You can manage your card account in a quick and easy way by subscribing to the services below:
   • My Transactions, you can receive information on your mobile phone (free service for holders of premium bank cards).
   • Nordea Online Remote Banking e-banking for individuals, enabling to control your accounts and make electronic transactions.
6. Card-to-card wire transfers – an easy and user-friendly service available to Nordea Bank cardholders for card-to-card remittances. Funds are credited within 30 minutes upon effecting a transaction.
7. Set your individual card transaction limits to mitigate financial risks in case of unauthorised access to a card account.
8. 3D Secure is the technology Nordea Bank uses for card payments made on 3D Secure certified web-sites (by Visa International and MasterCard Worldwide). You can recognize such web-sites by security programme logos Verified by Visa and MasterCard SecureCode. The Bank sends a text message with a one-time password to the mobile phone number specified when subscribing to the 3D Secure service. Payment is confirmed by entering a one-time password on the special web-page.

• Rate plans for issue and service of Visa, MasterCard bank cards
• Rate plan for issue and service of Visa, MasterCard bank cards "Virtual"

• Cash withdrawal limits
• Depositing funds on bank cards
• Expense monitoring
• Security abroad

Cash withdrawal limits

To mitigate the possible financial risk of an unauthorized access to your bank card account, we recommend that you establish individual limits for your bank card transactions.

You can establish individual limits for one type of transactions (cash withdrawal, cashless payment for goods/services, settlement payments through Internet), as well as for all transactions with the use of bank cards to be effected per day and/or month. You may establish several types of individual limits for each bank card of yours.

In the event of re-issuance of your bank card the Bank will establish the individual limit for your new card in the amount of the previously set limit (regardless transactions effected with the reissued card).

Attention!

To ensure a safer use of the Bank’s cards, cash withdrawal daily and monthly limits have been set.

Depositing funds on bank cards

You can top up your SCA as follows:

1. In the cash desk of any office of Nordea Bank.
   When you top up your SCA using cash in branches of Nordea Bank, the payment limit is built up and the funds are credited to your SCA in online mode.
   You can deposit funds by yourself or have your representative do it. In the latter case, the Russian law may require that your representative has a relevant power of attorney issued by you.
2. Using the cash-in ATMs of Nordea Bank. The funds are credited to the SCA on the next banking day. The payment limit increases in online mode.
   
   
   *The service is unavailable through virtual bank cards of Nordea Bank.
3. via payment terminals and at the offices of retail chain stores (e.g. Euroset, Svyaznoy, MTS, etc.) in cash, using the services of international payment systems Visa Direct instant transfers and payments and MasterCard MoneySend. In general, for recharging your card you need to know its number; when recharging your card at a retail chain store, you may also be required to present your passport.
   The payment limit of a card shall be increased within 30 minutes from the time of a transaction. In Russia, bank cards may be recharged only in RUB.
   The retail chain stores and card recharge service providers may charge a fee and apply restrictions as to the amount and number of rechargings per card.
4. You can transfer funds from your other accounts opened with Nordea Bank by ordering a teller at any office of the Bank to do so, as well as via Nordea online.
   
   Transactions performed at the Bank’s office or in Nordea online between your accounts, opened with the same office of Nordea Bank, are processed in online mode.
   
   If you order a RUB transfer, including transfers via Nordea online, between accounts, opened with different Nordea offices, on a business day from 9:00 to 16:50, your order will be executed on the same business day, but if after 16:50 – on the next business day.
   
   If you order an FX transfer, including transfers via Nordea online, between accounts, opened with different Nordea offices, on a business day from 9:00 to 16:00, your order will be executed on the same business day, but if after 16:00 – on the following business day.
   
   Transactions are performed according to the Moscow time zone.
5. You can transfer funds to your SCA in Nordea Bank from your account opened with another bank.
   Please note that the remitting bank may charge a fee for the transfer according to its tariffs. Also, to successfully transfer funds to your SCA with Nordea Bank, make sure that you correctly state the details of the receiving account (account number, full name) indicated in the memo which Nordea Bank provides to you together with your bank card, as well as the details of Nordea Bank. If it is a foreign bank, you may be required to state extended details of Nordea Bank’s (for example, SWIFT).
   
   Nordea Bank notifies that pursuant to the applicable legislation of the Russian Federation Russian citizens can make wire transfers to accounts of third parties – citizens of the Russian Federation – inside the Russian Federation in Russian rubles only with further crediting only to Russian ruble accounts save when the sender and the beneficiary are spouses or close relatives (lineal ascendants or descendants: parents and children, grandmothers, grandfathers and grandchildren), siblings, half-brothers and half-sisters (having the same father or mother), adoptive parents and adopted children.
   
   Holders of non-ruble card accounts (USD, euro), planning to use their card accounts to receive Russian ruble transfers from third parties – Russian residents, should open a current account in Russian rubles and/or submit an application for issuance of a bank card and opening of a card account in Russian rubles, to be able to receive money transfers in Russian rubles.

Expense monitoring

Nordea Bank (the ‘Bank’) hereby recommends all of its customers – in order to be able to control movement of funds - to subscribe to the Bank’s My Transactions service or to join the Nordea online e-banking system. The Bank also offers to receive the following information to its customers:

• bank card account statements for any period requested by the customer – by e-mail, fax or in a hard-copy form (the latter may be received only in an office of the Bank); such account statements are issued at the request of a customer only;
• bank card account statements for the previous month - either by e-mail or in a hard-copy form in an office of the Bank;
• information on the applicable payment limit set for his bank card – by calling at the following phone: +7 (495) 921-21-01 or 8 (800) 200-34-77.

Measures to increase transactions security abroad

In view of the increasing rate of card frauds in certain countries Nordea Bank is taking additional measures to increase transactions security abroad.

Thus, if the Bank is not notified beforehand of the planned visit to the listed countries, it may be difficult or impossible to conduct the following operations with the use of cards issued by the Bank on their territory:

• payment for goods (works, services) at sales points;
• transactions via self-service machines (ATMs and terminals), incl. balance enquiry;
• cash point transactions.

Customers planning to visit these countries shall notify the Bank of the trip in advance. You can release restrictions on transactions in the selected countries and for a certain period of time. There are three options to do it:

• to contact the Information Support Centre;
• to address office of the Bank (your passport needed) and to submit an Application for release of card usage restrictions in the selected country(-es);
• to submit an Application for release of card usage restrictions in the selected country(-es) via Nordea online (provided you are already a system user). For this you should create a message in the section "Application, messages" and enclose your application in the *.doc format or as a scan.

Restrictions are released free of charge.
Enhanced operations control in the said countries does not cover virtual cards for Internet transactions.
As relates to additional cards issued for another person, restrictions are released on the basis of an application submitted by the SCA holder.

Example of a completed Application for release of card usage restrictions in the selected country(-es):

Important!

In case of any issues in effecting transactions via Nordea Bank cards abroad, please contact the 24-hour Call Centre.

For details please call the Call Centre at the following numbers:
+7 (495) 921-21-01 – for calls in Moscow;
8 (800) 200-34-77 – toll-free regional hotline.