Terms

When applying on the website and choosing courier delivery, we will deliver your card the next day.

If you need a card today, you can visit the nearest branch of Bank Uralsib and issue an instant card in 15 minutes.

If you have arranged courier delivery of your card, you will need to set the PIN yourself:

Wait for an SMS from the bank informing you that you need to set a PIN for your card.

You can set the PIN in two ways:

1. After registering at online.uralsib.ru or in the bank's mobile app, tap your card on the home screen, then select the "About the card" menu item, and then tap "Change PIN".

2. Or call the bank's toll-free hotline from your mobile phone at 8 800 250 57 57 and follow the voice menu prompts. Follow the instructions over the phone. Enter the last four digits of your card.

Bonus rubles are credited as a percentage of the total amount spent in a month at the rate of 1 bonus ruble = 1 ₽.

You can receive up to 3% of your monthly spending in bonus rubles:

1% for spending on cards linked to Uralsib Bonus.

+

1% for using a credit card (with an outstanding balance of at least 30,000 ₽ for at least one day in a month) or for having a personal loan or car loan with an outstanding balance of 200 000 ₽ at the beginning of the month.

+

1% for having a premium service package ("Private", "Private banking", "Premium"). It will be credited immediately after the package is activated.

More details in the Uralsib Bonus section

In Uralsib Online internet or mobile banking on the main page or in your personal loyalty account.

Any client over the age of 14 can open a savings account. For minors aged 14 to 18, the consent of a legal representative is required.

The account may be opened at a bank branch and, subject to technical availability, in the Uralsib Online remote banking system (Online Banking, Mobile Bank).

Interest is accrued at the rate in accordance with the bank's tariffs and fees effective on the interest accrual date. Interest periods are counted from the day following the day the account is opened. Interest is paid by the bank monthly on the account opening date by adding the amount of interest to the account balance (capitalization).

Example: you opened a savings account on the 15th day of the current month – the interest period for your savings account will be from the 16th day of the current month to the 15th day of the following month.

Yes, the bank reserves the right to change the rate on savings accounts. Information about rate changes is posted in advance on the bank's website in the News section, 5 days before the changes take effect.

Yes, funds in savings accounts are insured in accordance with Federal Law No. 177-FZ "On Insurance of Individual Deposits in Banks of the Russian Federation" dated December 23, 2003, up to 1.4 million rubles.

Interest on the Uralsib Account savings account is accrued on the actual daily cash balance held in the Uralsib Account savings account at the beginning of each day throughout the entire interest period. Interest is accrued from the day following the day the savings account is opened. Interest is paid by the bank monthly on the account opening date by crediting the amount of interest to the account balance (capitalization).

The interest rate on the Uralsib Account savings account depends on:

- the balance amount in the account;

- whether a premium service package is available;

- the amount of purchases made with debit cards (the interest rate on the Uralsib Account savings account is determined taking into account the volume of the client's monthly debit transactions (purchases) in the calendar month preceding the interest payment date. The volume of monthly cashless debit transactions includes payments for goods, works and services made using the following client debit cards issued by The bank: Pribyl; MIR FC Krasnodar; MIR Supreme; The bank payroll project participant card; premium cards of international payment systems).

The maximum balance amount eligible for the increased rate is not limited.

If the account is closed before the end of the interest period, interest for an incomplete interest period is not paid.

For a savings account, interest is accrued on the minimum amount of funds held in the savings account at the beginning of each day throughout the entire interest period. Interest is accrued from the day following the day the savings account is opened. Interest payments are made by the bank monthly on the account opening date by crediting the amount of interest to the account balance (capitalization). If the account is closed before the end of the settlement period, interest for the current month is not accrued.

The interest rate on the savings account depends on the minimum balance in the account during the interest period. The maximum balance amount for receiving the increased rate is not limited.

Starting from 2023, personal income tax (hereinafter referred to as Personal Income Tax (PIT), tax) shall apply to income in the form of interest on deposits (account balances) if it exceeds the amount of interest calculated as the product of one million rubles and the maximum key rate of the Central Bank of the Russian Federation in effect as of the 1st day of each month in the specified tax period (calendar year).   

Exception:

- interest paid on escrow accounts and on deposits (account balances) in rubles, for which the interest rate during the calendar year did not exceed 1% per annum;

- income in the form of interest received in 2021 and 2022 on deposits (account balances) with banks located in the territory of the Russian Federation.

Interest received by individuals on foreign currency deposits (accounts) shall be taken into account regardless of the interest rate and converted into rubles at the official exchange rate of the Bank of Russia on the date of actual receipt of such income.   

When determining the amount of interest for 2023 not subject to taxation, for 2023 the Federal Tax Service will use the maximum key rate of 15%.

In 2023, income in the form of interest on deposits (accounts) with banks in the amount of 150,000 rubles (RUB 1 million × 15%) is not subject to Personal Income Tax (PIT).

The determination of the tax base and calculation of tax in respect of income in the form of interest shall be carried out by the tax authorities on the basis of data provided by banks, the Central Bank of the Russian Federation, or the state corporation "Deposit Insurance Agency (DIA)".   

Interest income on deposits and accounts is included in the aggregate of tax bases subject to Personal Income Tax (PIT) at the progressive tax rate of 13% / 15% (for example, wages, income from securities transactions, and other income established by Clause 2.1, Article 210 of the Tax Code of the Russian Federation). If the amount of tax bases is less than or equal to 5 million rubles, the Personal Income Tax (PIT) rate will be 13%. A rate of 15% will apply to the amount exceeding 5 million rubles.

The tax shall be paid annually no later than December 1 of the year following the reporting year.  For income received for 2023, the tax in respect of income in the form of interest on deposits (accounts) shall be paid no later than December 2, 2024.

The tax shall be paid on the basis of a tax payment notice sent by the tax authority. Thus, interest on deposits is paid by the bank in full without withholding tax. The amount of income received on accounts is reflected in the taxpayer's personal account.

The tax notice will be sent to depositors in September-October 2024 for 2023.

From March 9, 2022 to September 9, 2025 (the period may be extended), Bank of Russia restrictions apply to cash withdrawals of foreign currency from accounts (including current, savings, card accounts and deposits).

1. Foreign currency placed in accounts before 09.03.2022:

    - no more than USD 10,000 or its equivalent in euros at the Bank of Russia exchange rate on the day of withdrawal may be received. Any amount above USD 10,000 may be received in rubles at the Bank of Russia exchange rate on the day of withdrawal.

2. Foreign currency credited to accounts from 09.03.2022 may be received only in rubles:

   - if foreign currency was placed in accounts during the period from 09.03.2022 to 09.09.2022, funds may be received in rubles at the Bank of Russia exchange rate on the day of withdrawal;

- foreign currency credited to accounts from 09.09.2022 may be received in rubles at the bank's exchange rate on the day of withdrawal.