No, the free service period for the Notification Service is provided once at the start of the service. 

Yes, you can apply for a credit card.  

You can review the requirements via the link.

1.  On the main page of the Uralsib Bonus personal account, select the “Online Partners” section.

2. In the “Online Partners” section, select a store and open the partner’s profile to review the terms and conditions.

3. Carefully review the terms and conditions for receiving the reward. Different cashback rates may apply for new and existing store customers, and restrictions may also be established, for example, on the minimum / maximum purchase amount or on the total reward payout amount.

4. Go to the store using the link from the store profile by clicking the “Go to store” button. Please review the Rules for making purchases via the link posted below the “Go to store” button in advance.

5. Place an order and pay for the purchase with any card issued by Bank Uralsib.

6. Purchases made from the bank’s partners and the preliminarily calculated reward will be displayed in the Uralsib Bonus personal account in the “Transaction History” section under the “Awaiting accrual from partners” tab.   

7. Additional bonus rubles will be credited immediately after receipt of the purchase confirmation from the partner  and will be displayed in the Uralsib Bonus personal account in the “Transaction History” section under the “Completed” tab.

How can bonus rubles be used?

Several options are available on the main screen of the personal account in the “Choose what to spend bonus rubles on” section.

On the main screen of the personal account, in the section “Choose what to spend bonus rubles on,” several options are available.

Purchase compensation.

You can get a refund for a purchase in the amount of 1,500 to 50,000 ₽ for the previous calendar month. Only the full amount of the transaction can be compensated; partial compensation is not available.

1.    Go to the “Purchase Compensation” section, which displays the full list of purchases that meet the compensation terms. Purchases marked in gray cannot be compensated – the reason is indicated in gray font.

2. In the filter, select “Available for compensation”.

3. Click the green icon in the row of the selected purchase.

4. Confirm the purchase compensation.

5. The amount of the transaction will be credited to the card account on the next business day. 1 bonus ruble = 1 ₽

Travel.

Use bonus rubles for full or partial payment of rail and air tickets, hotel booking, or car rental.

1. Go to the “Travel” section.

2. Select a ticket, hotel, or rental car.

3. Fill in all required fields.

4. At the payment stage, indicate that you want to use bonus rubles, (by selecting the checkbox).

5. Complete the payment and place the order. 1 bonus ruble = 1 ₽

 Exchange for “RZHD Bonus” points.

Transfer bonus rubles into “RZHD Bonus” points – they can then be used for the purchase of rail tickets or to improve the comfort of your journey.

To do this, you need to:

1. In the loyalty personal account, go to the “Partner Bonuses” section.

2. Specify the “RZHD Bonus” account number. Bonus rubles can be transferred both to your own account and to the account of your relative or friend.

3. Enter the amount of bonus rubles for exchange (minimum 150 bonus rubles; the amount of bonus rubles must be a multiple of 1.5, for example: 150, 225, 300).

Exchange rate: 1.5 bonus rubles = 1 “RZHD Bonus” point.

4. Confirm the transaction

The points will be credited to the “RZHD Bonus” account within 10 business days

A personal loan and a credit card are similar in that the bank approves a certain amount for the customer, which they can spend, for example, on purchases.  

The main advantage of a credit card is the interest-free (grace) period, during which you can use the bank's money within the credit limit and pay no interest on it. For a personal loan, interest accrues from the first day the funds are used.  

Another difference is that, for a credit card, payments made restore the credit limit, and these funds become available for use again. For a personal loan, payments only reduce the amount of debt, and the loan agreement has a limited term.

The similarity between a credit card and a debit card is that they can be used to pay for purchases, including online in online stores, make card-to-card transfers, between your own accounts and beyond, and withdraw cash.  

A credit card differs from a debit card in that it allows you to use the bank’s money, while a debit card allows you to use only your own funds. In addition, a credit card has an interest-free (grace) period during which you use the bank’s money and do not pay interest for it. 

At the same time, a credit card cannot be used as a payroll card and, unlike a debit card, cannot be linked to a loan or mortgage account as a more convenient way to repay the loan. 

Visually, plastic cards differ not only in design, but also in the words DEBIT and CREDIT printed on the front side, respectively.

A credit card provides access to a credit limit. 

A credit limit is the amount within which the bank is ready to provide you with credit. The credit limit is provided to pay for goods or services, withdraw cash, as well as make card-to-card money transfers. 

The credit limit is revolving — this means that after you have repaid some amount to the bank, you can borrow it from the bank again.

Any citizen of Russia aged 20 to 75 with permanent registration in the Russian Federation may apply for a credit card.

Length of service at the most recent place of employment is also important: at least 3 months inclusive, and income of at least RUB 10,000 for Moscow and RUB 7,000 for other regions. 

A passport of a citizen of the Russian Federation is sufficient to submit an application.

The easiest way is to log in to your personal account in Uralsib Online via the mobile app or the bank's website.

You can also find out about a personal offer by calling the 8 800 250-57-57 Contact Centre or by visiting a bank branch.

To close a credit card, it is not enough to simply block the plastic card. To do this, you need to visit the nearest bank branch and submit an application to close the credit agreement. After that, the credit limit will be reset to zero, and the card will need to be returned to the bank. At the same time, you will need to fully repay the outstanding debt amount together with interest, if it has been accrued. 

You can always check the full outstanding debt amount in the personal account of the mobile app or the web version of Uralsib Online.

The credit card account will be closed 45 days after submitting the application for termination of the credit agreement. After this period expires, you can request a certificate of loan closure from the bank.

A credit card is a modern financial instrument for carrying out transactions, settlements for which are made using funds provided by the bank to the client within the credit limit. 

A credit card is especially convenient if you urgently need money: you can use the funds on the card at your discretion, for example, to pay for purchases in a store, including online, withdraw cash, or make transfers; at the same time, by repaying your debt, you restore the credit limit, and the funds will again be available to you for further transactions. 

You can ознакомиться with the list of transactions covered by the interest-free (grace) period by following the link.

You should think about the quality of your credit history before you plan to apply for a large loan, for example, a mortgage. You can improve your credit history in the following ways: 

1. Take out a small personal loan and repay it without delays. This will prove your solvency. 
2. Get a credit card and use it to pay as often as possible to improve your credit score. The main thing is not to forget to make payments on time. 
3. Take out a microloan and repay it. With this option, it is necessary to choose the MFO carefully: the company must be included in the MFO register of the Bank of Russia. 
4. If you have some spare money, open a deposit with the bank where you plan to borrow in the future. This will improve your reputation 

To choose the most beneficial credit card, you need to decide what you need it for. For some customers, it is important to receive bonuses for purchases, while for others, cash withdrawal is important. 

Bank Uralsib offers its customers a selection of cards to meet any needs: 

•  “120 Days to the Max” is a card for those who value freedom. It allows you to withdraw cash free of charge and transfer money from the card. And the grace period of up to 120 days provides independence when planning everyday expenses. View terms and conditions.
• “Credit Card with cashback” is a card for those who value benefits. It allows you to get back 1% of purchases in bonus rubles and up to 30% for purchases from the bank's partners. The rate under the loyalty program depends only on you. View terms and conditions.

Whichever credit card you choose, you can apply for and order it: 

1. On the bank's website or in your personal account in Uralsib Online. A courier will deliver your card as early as the next day. 
2. At the nearest bank branch you can receive the card on the day of application. 

Credit history is the most important factor when making a decision on granting a loan. 

Credit history is a record that contains all of the Borrower's credit operations: which banks issued loans or credit cards, the amount of debt, and whether the client pays their obligations on time. The history is stored in special organizations — credit history bureaus (BKI).  

Through the Gosuslugi portal, you can view the list of organizations that store the history of your borrowings, and this list can be viewed online free of charge. You can also use this report to check whether any loans have been issued in your name. 

To find out your credit history, you need to: 

1. Verify your Gosuslugi portal account 
2. Submit an application for the electronic service 
3. Wait until the list of organizations appears in your personal account. There will be a table with the addresses, names, and phone numbers of the bureaus. 

You will receive a non-personalized instant card with delivery to a place convenient for you. This will be the same card as a personalized one, only without your name on it.

A personalized card can be issued at a Uralsib office. Find the nearest office

The card can be ordered with free courier delivery to a location convenient for you. To do this, complete the card application and select the delivery address. 

If you want to receive the card at a branch, you can visit a Uralsib branch and complete the application on site. Find the nearest branch

A digital card is the same bank card, but without plastic. It can be used to pay for purchases in online stores and via the Faster Payments System (SBP) in regular stores, transfer money, and set up automatic payments.

An existing client can order a card in Uralsib Online. To become a client, fill out an application for a debit card.

Wait for an SMS from The bank regarding the need to set a PIN code for your card.

You can set a PIN code in two ways:

•  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, then tap “Change PIN code”. 
• Or call The bank's toll-free hotline from your mobile phone at 8 800 250 57 57 and follow the voice menu instructions.

If you ordered courier delivery, you may be asked to sign documents on paper or electronically in the Uralsib app or on our partner's website www.efr.ru. After the agreement is concluded, you will receive a notification from NKO AO National Settlement Depository (NSD). This is a requirement of Federal Law No. 211-FZ dated July 20, 2020. In the document, the agreement is referred to as a «financial transaction» and is executed on the EFR website

Wait for an SMS message from the bank and set your PIN code through the Contact Centre by calling 8 800 250-57-57.

You will receive an SMS notification about the decision on your application, and an email will be sent to your email address. Also, in certain cases, a call from a Bank Uralsib employee is possible.

You can apply for and receive a card: 

• On the bank's website, in the personal account of the mobile app or the web version of Uralsib Online. A courier will deliver your card as early as the next day. 

• At the nearest bank branch, you can receive a card on the day of your application.

A passport of a citizen of the Russian Federation is sufficient to submit an application.

1. Wait for a call
   Our representative will contact you shortly to arrange the delivery date and time. Please stay available. You will also receive an SMS with a link to the courier service personal account, where you can independently manage the delivery date, time, and address.
   
2. Receive your card and sign the documents
   We will deliver the card to a place and time convenient for you. Sign the documents. You may be asked to sign them on paper or electronically in the Uralsib app or on our partner’s website efr.ru. *
   At the meeting, you will need your passport and a photo of you holding it — this will confirm that you are the one receiving the card. The envelope with the card has a QR code that you can use to get detailed information about using the card and installing the app on the The bank’s website.
3. Download the app or log in to your personal account
   Manage your finances quickly and easily. To do this, connect Uralsib Online via the link and follow the instructions. Or use the QR code indicated on the envelope with the card.
   
   Important:
   — Install the app only from official sources.
   — For quick access, save the password in your browser or password manager.
   
4. Wait for the card to be activated
   First, you need to wait for an SMS confirming card activation within a few hours. Then set the PIN code and use the card.
   
   * After concluding the agreement, you will receive a notification from NCO JSC National Settlement Depository (NSD). This is a requirement of Federal Law No. 211-FZ dated July 20, 2020. In the document, the agreement is referred to as a “financial transaction” and is executed on the EFR website.

1. Make regular purchases with the card for three months. The grace period applies to purchases. There are exceptions.
2. At the end of each month, a payment amount of 3% of the outstanding debt is calculated, minimum RUB 300. The payment must be made during the following month.
   
3. At the end of the third month, the full outstanding amount due for repayment without interest is calculated, which must be paid during the following, fourth month.
   

Until the end of the fourth month, it is not mandatory to fully repay the debt; you may pay only 3%, minimum RUB 300. In this case, the grace period will be cancelled.

The grace period does not apply to:  

• cash withdrawals and cash withdrawal fees;
  
• card transfers and transfer fees;
  
• cashless quasi-cash transactions and fees for them;
• purchase payment transactions from this list;
• cashless transfers via remote banking services.
  

The grace period applies to payment for:  

• goods and services by card or using its details, except for the exclusion list;
• bank fees, except for cash withdrawal fees, quasi-cash transactions, and transfers.
  

The interest-free period or grace period of crediting (from the English grace period) is the period during which the bank does not charge interest on card purchases. The grace period does not apply to debt arising from such transactions as cash withdrawals from a card or account, transfers, and quasi-cash transactions.  

The interest-free period starts with the first cashless debit transaction of the month to which the interest-free period terms apply, and its duration depends on the card type:  

for the "Cashback Credit Card" - up to 62 days 

for the credit card "120 Days to the Maximum" -  up to 120 days. 

More details on how the grace period works for the card "120 Days to the Maximum" and the "Cashback Credit Card", how to make payments and which transactions the grace period does not apply to.

The interest-free period for the credit card is 4 months, where:

• The first three months — you spend funds from the available credit limit.  At the same time, at the end of each calendar month, a minimum payment will be generated for you, which must be paid by the last business day of the following calendar month.  
• The fourth calendar month — you repay the entire remaining amount in full.  

The payment amount and due date are always available in the personal account of the mobile app or the Uralsib Online web version.

Example: on January 1, you used the "120 Days Maximum" credit card for the first time and paid for a purchase in a store in the amount of 10 000 rubles.  

In February and March, you need to make the minimum payment — 3% of the outstanding debt amount. The minimum monthly payment amount is 300 rubles.

In April, you need to repay the entire remaining debt amount in full. 

At the same time, the presence of a minimum payment does not mean that the interest-free period does not apply; the amount will go toward restoring the credit limit, and these funds will again be available for use. 

We also recommend reviewing the list of transactions to which the interest-free period does not apply.

Summary: in order for the grace period to continue to apply, you need to make the minimum monthly payments and in the fourth month repay the remaining part of the debt. 

In this case, the grace period will be cancelled, and interest will be charged on transactions. In addition, according to the bank's Tariffs & fees, penalties will be accrued. You can find more details in the Tariffs & fees section.

Cash can be withdrawn from the “120 Days to the Max” credit card, and a card-to-card transfer can be made without a fee. Please note that the grace period does not apply to such transactions. 

At the same time, these transactions do not cancel the grace period; the bank will charge interest only on cash withdrawal transactions, and no interest will be charged on transactions covered by the interest-free period. 

You can withdraw money from your credit card at the bank’s ATM or at ATMs of other banks.

You can transfer funds from a credit card in several ways: 

1. from card to card – this is the simplest and most advantageous option, as you only need to know the recipient's card number, and no fee is charged for this type of transfer.
2. from the credit card account to any other account by entering the full recipient account details (the recipient bank's BIC, the recipient account number, correspondent account, etc.). With this transfer method, a fee will be charged in accordance with the bank’s tariffs & fees 

How to transfer money: 

• in your personal account in Uralsib Online (both options are available)
• on the bank’s website (only card-to-card transfers are available)
• at the nearest bank branch (only transfers from the credit card account to another account are available)

When there is no credit card debt, it is not necessary to deposit money into the account.  If debt arises on the loan, you need to choose the payment option that is best for you. 

There are several options: 

1. Repay the debt to the bank in full with a single payment. This can be done both during the interest-free (grace) period and after it ends. In any case, with this method of debt repayment, interest charges will be minimal.
2. Repayment in arbitrary amounts, but greater than the minimum payment. With this method, it is important to remember that if you do not repay the full amount in full during the grace period, interest will be charged. 
3. Repayment by the minimum payment. Under this option, interest expenses will be the highest. 

 Learn about ways to deposit money into a credit card account 

• In the personal account of the mobile app or the Uralsib Online web version.

• through ATMs with cash acceptance function 
• at a branch of the bank by depositing cash through the bank's cashier or by non-cash transfer between accounts opened with Uralsib.
• by non-cash transfer from another bank 

Debt repayment for agreements concluded from October 18, 2021 is carried out in the following order:

- toward payment of interest for the use of credit on the principal amount, including technical debt, if any;

- toward repayment of principal debt – first debt arising from purchases, then cash withdrawals, transfers, and quasi-cash transactions;

- toward payment of late payment penalties, if any.

Example: Suppose that on January 1, you withdrew money from a credit card via an ATM in the amount of RUB 10,000, and on January 20 you paid for a purchase in a store for a total amount of RUB 5 000. 

When funds are deposited to the card, interest on the cash withdrawal will be debited first. From the remaining amount, the debt for the store purchase will be repaid. The debt for the cash withdrawal from the ATM will be repaid last.

Advice: There are transactions that are not subject to the interest-free credit period. If you want to minimize interest charges, we recommend not delaying the repayment of debt for such transactions.

List of transactions subject to the interest-free period.

A credit card is a form of credit, but instead of a standard payment schedule, a credit card has a mandatory minimum payment, the amount of which depends on the outstanding debt amount and whether interest is charged on completed transactions or not.  

You can always check the minimum payment amount and its due date in your personal account in the mobile app or the web version of Uralsib Online.

For credit agreements concluded from 10/18/2021  

The minimum payment is calculated as 3% (minimum RUB 300) of the total outstanding debt as of the end of the last business day of each month + accrued interest on transactions not covered by the grace period and/or accrued interest on purchases if the interest-free period conditions were not met. 

For credit agreements concluded before 10/18/2021  

The minimum payment is calculated as 3% of the total outstanding debt as of the end of the last business day of each month + accrued interest on transactions not covered by the grace period and/or accrued interest on purchases if the interest-free period conditions were not met. 

You will not need to calculate the required payment amount for your credit card every month; the bank will do this automatically. You can check the amount and payment due date in your personal account in the mobile app or the web version of Uralsib Online.

The Total Cost of Credit is a calculated indicator introduced by the Central Bank to establish a uniform approach for comparing credit products of different banks. This indicator is not the amount of overpayment; in practice, the client may use the card completely without interest by using the grace period.

When filling out an application for a credit card on the bank's website, you will be asked to specify the address where you would like to receive the card. 

The courier service will then contact you to confirm the address and a convenient time for delivery of the card.

No, the card is inactive and no credit limit has been assigned to it. The card is activated within 24 hours as soon as the courier submits your card details to the bank and they are reflected in the system. 

After that, you will receive an SMS message informing you that you can set a PIN code for the card by calling the Contact Centre at 8-800-250 -57-57. 

After the PIN code is set, the credit limit will be assigned. 

The card itself is delivered in a sealed opaque envelope, and its details are not accessible to the courier. 

Yes, the courier carries an electronic power of attorney between the bank and the courier company. The courier can provide this power of attorney to you for review. 

Yes, to receive the card, you may visit the nearest branch of the bank. You must have your passport of a citizen of the Russian Federation with you.

We could answer this question briefly: you must never share your PIN code with anyone. 

However, we would like to tell you in more detail about the security rules for using bank cards.  

Bank Uralsib stands guard every second and has been successfully ensuring the banking security of its clients for several decades. On the client’s side, simple rules should also be followed to help keep money safe: 

1. There are card details that should not be disclosed to third parties. These include: the PIN code, the CVV code (the three digits on the back of the card), and codes from messages from the bank. Loss of these data and their falling into the hands of fraudsters may lead to loss of money.  

2. Pay for purchases online only on trusted websites and always check the website address in the address bar.   

3. Do not hand your card over to third parties, including a store salesperson or a waiter in a restaurant.  

4. A bank card should be kept separately from the PIN code, and the PIN code should not be written on the card itself. 

5. Enter the PIN code so that no one can see it (cover the keypad of the ATM and POS terminal with your hand). 

6. If the card is lost, immediately call the bank at 8-800-250-57-57 to block your card in order to prevent unauthorized transactions.  

7. Monitor card spending through the “Notification Service” service. 

8. For additional protection, we recommend purchasing the “Card Protection” policy. Detailed information about insurance can be obtained by calling the Contact Centre at 8-800-250-57-57 or at the nearest branch of the bank.

Please remember that the cardholder is responsible for keeping their card data safe. 

All URALSIB cards are connected to 3-D Secure technology. This is a special protocol developed to reduce the risk of unauthorized transactions on the Internet, based on cardholder identification technology for payment transactions over the Internet and aimed at improving the security of such payments by entering a secret password. 

However, unfortunately, not all websites support payments using 3-D Secure technology, so when making a purchase / payment on the Internet, it is especially important to remember the following points: 

• Pay for purchases only in online stores that inspire confidence and have a good reputation. Do not risk the security of your card for the sake of a transaction on questionable websites. 
• If you actively use your card to pay on websites, it is important to remember the security of the computer from which the payment is made. Make sure that your computer is not infected with any viruses. Use antivirus software and try to update it regularly. Do not make online payments using shared-access computers (internet cafes, etc.). 

Within the Russian Federation, you can continue using Visa and MasterCard cards to pay for purchases, withdraw cash, and make transfers, because card transactions are processed by the National Card Payment System (NSPK).  

The tasks of the National Card Payment System (NSPK) include ensuring uninterrupted card transactions of international payment systems within Russia. The National Card Payment System (NSPK) is also the operational and payment clearing center of the Faster Payments System (SBP), which means that transfers via the Faster Payments System (SBP) are also available to our clients. 

Payments via Apple Pay and Google Pay using cards of Russian banks are currently unavailable. Before leaving home, check whether you have taken your bank card with you. If you are planning to travel outside Russia, we recommend considering payment methods in the foreign country in advance.

You can apply in any way convenient for you, including on our website, as well as in the personal account of the mobile application or the web version of Uralsib Online.

At the end of each month, if the promotion terms are met, the reward will be paid by crediting funds to the account of the “120 Days to the Maximum” card no later than the 15th business day of the following month.

Clients who have not had the "120 Days to the Max" card during the last 12 (twelve) months before the start of the promotion may participate in the promotion.

                 You can ознакомиться with the full Terms of the promotion via the link

If in any month the total amount of your card purchases is less than RUB 30,000, we will not be able to pay you the reward of RUB 1,000. At the same time, failure to meet the requirement in one of the periods does not отменяет the possibility of receiving the reward in subsequent periods.

No, not all of them. Excluded transactions include:

• made without using the Card;
• for the payment of traveler's checks and/or lottery tickets;

• for the payment of government services: court-ordered payments, alimony, taxes, fines;

• for the purchase of securities;

• for the payment of bets and wagers in casinos and other gambling establishments, including via the Internet;

• for money transfers

• which were subsequently canceled;

•  carried out as a result of fraudulent actions by the Client and/or third parties.

The full list of exclusions is available at the link.

The bank has requirements for customers who can apply for a credit card. It is these requirements that limit the age condition in the promotion.

If you meet the conditions in each month during the promotion period, the maximum reward amount will be RUB 5 000.

In this case, you will not be able to participate in the promotion, as one of the promotion conditions is that the card must be received and activated by 23:59 on 12.03.2023 (Moscow time). If the promotion conditions are not met, The bank will not be able to pay the reward.