General information

A business card is a bank card linked to a special card account of an individual entrepreneur or legal entity. Using the card, you can manage funds in the account remotely, withdraw and deposit money via ATMs around the clock, make business purchases, and receive cashback.

Several cards for the manager and employees can be linked to one card account, and limits can also be set on them.

A business card can be used to pay for:

• Expenses related to the company's operations — purchase of goods, settlements with counterparties
• Business travel and entertainment expenses — tickets, car rentals, bills at hotels and restaurants 
• Operating expenses — office supplies, online purchases, professional services (delivery, repairs), and more
• Personal purchases of an individual entrepreneur (IE) — restaurant bills, household goods, gym memberships, tickets, and more. There is no need to transfer money to a personal account and pay a fee for it

You can also deposit money at an ATM to promptly top up the company's current account outside business hours. For example, this is a convenient way to deposit proceeds (self-collection).

The bank issues the following types of business cards:

• Named business card – issued on plastic, production time – up to 10 business days;
• Virtual business card – issued remotely in online banking without a physical carrier, becomes active immediately after issuance;
  
• Instant business card – issued on plastic, provided on the day of application to the bank;
  
• Premium card - issued on plastic, production time – up to 10 business days. A card for owners and key employees of the company.

The card allows cash withdrawal, current account top-up, payment for goods and services in stores and online, and transfers from a business card to an individual's card (B2C).               

The virtual business card allows online or offline purchases and cash withdrawals at ATMs when the virtual card is added to the Mir Pay / Samsung Pay app on Android.

• Submit an application for card issuance on the bank's website
• Order a card through Uralsib Business Online online banking — after opening a current account
• Complete the documents for opening an account and issuing a business card at a meeting with an off-site manager
• Contact the bank branch where the account is serviced

• Submit an application for card issuance and track the application processing status 
• Set or change the PIN code 
• Block and unblock the card 
• Reissue the card 
• Change the trusted phone number (TPN) 
• Enable transaction alerts — SMS service 
• Top up the card (create a payment order from the current account to top up the card account)
• Set or change the cash withdrawal and purchase payment limit. For example, prohibit employees from withdrawing money
• Find out the business card details 
• Make transfers from the card
• Download account and card statements
• Change the cash symbol in self-collection documents

You can set a PIN for the card in one of the following ways:

• In the online bank Uralsib Business Online 
• On The bank's website 
• Call 8 800 700-77-16 from the mobile phone number specified when applying for the card and follow the voice menu instructions (the call is free within Russia)

You can top up the card:

• Transfer funds from a current account to the business card account in online banking, the mobile app, or by payment order at a bank branch
• Deposit money through the bank's cash desk to the business card account (the card cannot be topped up via an ATM)
• Transfer money from any card to a business card

Self-deposit means topping up a current account using a business card by depositing cash through ATMs and bank payment terminals. The service is activated automatically upon issuance of the business card.

Advantages of self-deposit:

• Instant crediting of proceeds to the current account 
• Cash deposit with a choice of source of funds receipt — cash transaction symbol (at Uralsib ATMs) 
• Most service packages provide for a limit on free cash deposits through ATMs

The service is also available at partner banks' ATMs: VTB, Alfa-Bank, Raiffeisenbank — without any additional fee, in accordance with Bank Uralsib's tariffs & fees.

Cashback is a cash reward that a client receives for cashless payment transactions for goods, works, and services using a business card or the business card details at merchant locations.

Applicable:

• For new and existing clients, on a permanent basis under the Loyalty Program for premium business cards
• For new clients holding standard business cards, a Promotion for the payment of an increased reward applies for 6 (six) months 
• Cashback is paid to the current account monthly no later than the 10th day of each month

Receive increased cashback of 7% on purchases in the following categories: fast food, cafés and restaurants, air and railway tickets, Petrol station, transport and car rental, stationery and office supplies, office furniture and equipment, office software and support, business services, and concierge services. Cashback on purchases in all other categories is 0.5%.

To receive a cash reward (cashback), the client must pay for goods and services with a business card at retail outlets (including online purchases using the business card details) in the amount of at least 50,000 (fifty thousand) Russian rubles during the reporting period.

• If you use the patent taxation system or pay the unified tax on imputed income, cashback points do not need to be taken into account. In these cases, the amount of tax is not related to the amount of income
• If you use the simplified or general taxation system, cashback points can be reflected in the reporting for the current period as “Other income” 
• To record the receipt of funds to a corporate card, use the entry Debit 55 Credit 99 — “Other expenses” at the time the funds are received
• To record the receipt of goods, works, or services in the amount of the accumulated points, use the entry Debit 10, 20, 25 or 97 Credit 91 — “Other income” at the time the goods, works, or services are received against the accumulated points

There are 2 types of transfers using a business card:

B2C (business-to-consumer) is a service for transferring funds from the bank's business card to an individual's card issued by the bank or another credit institution.

B2B (business-to-business) is a service for transferring funds from the bank's business card to the business card of a legal entity or individual entrepreneur issued by the bank or another credit institution.

Advantages of transfers from a business card:

• Payments can be made at any time, with instant crediting to the recipient's card
• They work without additional equipment — via the Bank Uralsib website or the Uralsib Business Online online banking service
• Transfers are made to cards of individuals in the MIR, Visa, and MasterCard payment systems, as well as to the bank's MIR business cards or those of another credit institution

You can connect the SMS service:

• Automatically when a business card is issued, by selecting the service in the application and specifying the number for connection 
• Complete an application for connection, disconnection, or modification of the SMS service at any bank branch 
• Select the required option at any ATM of Bank Uralsib and confirm the transaction with your PIN code
• Send an application to the bank via online banking

The service is connected to enable receipt of messages about transactions made with the business card. Messages about card transactions will be sent to the specified phone number.

If several business cards have been issued for one card account, messages may be sent to one phone number or separately for each card to different numbers.

A trusted phone number (TPN) is a mobile phone number confirmed by the bank and verified (checked and approved) by the client in accordance with the established procedure.

The TPN is intended for providing one-time passwords for the business card when making payments online, as well as for the ability to independently set a PIN code.

Confirmation and verification of the TPN is carried out:

• Using IVR — contact the bank's Business Remote Service Center by phone at 8 800 700-77-16
• When receiving the card at a bank branch — using a one-time password sent to the phone number specified as the TPN.

Only one mobile phone number of the business card holder may be set as the TPN

You can set a PIN for a business card in one of the following ways:

• In the online bank Uralsib Business Online 
  
• Set a PIN on The bank's website
  
• Call 8 800 700 77 16 from the mobile phone number specified when applying for the card and follow the voice menu (the call within Russia is free)
  

How to transfer money to an individual's card from a business card?

Holders of the bank's business card can transfer money to individuals' cards while paying for any business expenses.

Holders of Mir and Mastercard business cards can make transfers to individuals' cards in Uralsib-Business Online and on the service page b2c.uralsib.ru.

You can change the PIN for a business card in one of the following ways:

• Via Uralsib ATMs
• In the online bank Uralsib Business Online
  

Individual entrepreneurs who use the simplified taxation system “Income” and the patent taxation system may pay for purchases with a business card without economic justification or documentary evidence. In this regard, such individual entrepreneurs may use a business card to pay for any personal purchases.

If an individual entrepreneur uses the general taxation system or the simplified taxation system “Income minus expenses”, all expenses incurred in such cases must be economically justified and documented; therefore, using a business card to pay for purchases unrelated to business activities is not advisable.

To receive cash, the business card holder:

• Before making a purchase, informs the cashier of the amount to be withdrawn from the business card
• Confirms the transaction by entering the PIN code, regardless of the amount of cash received
  
• Receives cash and a receipt — for the amount of the purchase of goods (services) and for the amount of cash issued
  

Cash withdrawal limit: the maximum amount per transaction is RUB 5,000; the maximum total amount of transactions per day/per month is RUB 100,000. A fee is charged for the service in accordance with The bank's tariffs & fees.

Cash can only be received at retail outlets that support the cash withdrawal function when making a purchase.

The service is automatically available to holders of business cards of the MIR payment system; no separate activation is required.

All cards are issued under the MIR payment system; the card currency is Russian rubles.

• Instant card — issued on the day of application at a bank branch or when completing documents during a meeting with an off-site manager. Card activation is performed automatically and takes 2–3 minutes
• Named business card — issued with the cardholder’s first and last name and the company name. To obtain a named card, you need to contact a service office
• Virtual business card — issued without a physical plastic carrier. An application for card issuance can be submitted in the Uralsib Business Online online bank without visiting an office
• Premium business card (named) — a card for company owners and key employees. Additional services and a loyalty program are connected to the card. To obtain a premium card, you need to contact a service office