Payments and transfers

1. Download and open the Samsung Pay app.
2. On the "Home" screen, tap "+" in the "Bank cards" section.
3. Allow the app to take photos.
4. Scan the card or enter its details manually. Contactless cards can be added by tapping "Add via NFC" and holding them against the back of the smartphone.
5. Accept the The bank's terms of service.
6. Tap the SMS button to verify the The bank cardholder. An OTP code will be sent to you to confirm the operation of adding the card to Samsung Pay to the mobile phone number linked to the "SMS notifications" service. If the "SMS notifications" service is not connected to the card, it is impossible to send the OTP code.
7. Enter the code and tap "Send".
8. Enter your signature using your finger or a stylus, then tap "Save". The signature may be required if the cashier in the store wants to compare the signature on the card and on the receipt.
9. The card has been added to Samsung Pay.

Dear clients!

Bank Uralsib informs you of cases in which bank card holders receive SMS messages sent by fraudsters containing information about a card being blocked, etc., with a request to call back to unblock it, usually using the phone number указан in the SMS message. In the course of further communication, the fraudsters ask for confidential information: personal data (Full name, card numbers, CVC/CVV code, PIN code, etc.).

Bank Uralsib reports that the bank does not send such messages!

In this regard, we strongly ask you to be attentive and vigilant when receiving various SMS messages and calls regarding the use of bank cards:

• do not call back a mobile number (for feedback, the bank usually provides the phone numbers of the cardholder support service or toll-free federal 8-800- numbers; these phone numbers can be found on the bank’s official websites);
• even if you are sure that you are speaking with a bank employee, do not disclose all bank card details (CVV2/CVC2 security code, PIN code); only the card number may be disclosed;
• if an SMS message about a card being blocked is indeed received from the bank, the text of the message will indicate the first and last 4 digits of your card number. Fraudsters’ SMS messages do not indicate the card number because it is unknown to them!
• information on the formats of SMS messages sent by the bank as part of the SMS service (providing the cardholder with information on transactions made using the card in the form of SMS notifications to the mobile phones of Russian GSM operators) is set out in the “Terms of information” provided by the open joint-stock company “Bank Uralsib” for access to the SMS service for holders of international bank cards of the Visa Inc. and Mastercard Worldwide payment systems, which are available at a bank office or on the official website of Bank Uralsib.

How do I enable the 3D Secure service?

When making your first purchase in an online store that supports 3D Secure technology, you will be prompted to activate the service for your Bank Uralsib card.

What is a one-time code (password)?

A one-time code (password) is a randomly generated number required to identify you as a bank customer, which you will receive via an SMS message.

Attention! The code must be entered in the appropriate field in the transaction confirmation request within 100 seconds of receipt; otherwise, it will be invalid.

What should I do if the phone number is incorrect?

If the phone number specified during registration is incorrect, you need to change it by contacting a bank branch or independently through a Bank Uralsib ATM.

What should I do if the one-time code was entered incorrectly?

The one-time code can only be entered once. If the code is entered incorrectly, you will be prompted to receive the confirmation code again and enter it in the appropriate field. If the code is entered incorrectly more than 3 times, the service will be blocked for 60 minutes.

What should I do if the one-time code did not arrive on my phone?

You need to check whether your mobile operator's network is available. If you are abroad, make sure roaming services are enabled. If the device is functioning properly, contact the bank's Support Service using the phone numbers indicated on the back of your card or via the "Online call" option on the website's home page.

How much does the 3D Secure service cost?

The 3D Secure service is provided free of charge (including SMS messages with a one-time password). In addition, Bank Uralsib offers an SMS service so that you can receive notifications about all card debits and credits in real time. The first 2 months of the service are provided free of charge.

If I have the SMS service enabled, do I need to register my phone number with 3D-Secure?

If you have already enabled the SMS service, the phone number to which SMS messages are sent will automatically be connected to the 3D-Secure service. If you have not yet enabled the SMS service, the system will prompt you to register a phone number to receive free one-time passwords.

Which phone number can be registered with 3D-Secure?

You can register a mobile number of any Russian mobile operator.

Which phone number will receive one-time passwords if the phone number for the SMS service was recently changed?

One-time passwords will be sent to the new phone number after the bank has technically processed the request to change the number, which may take up to 2 days. Until then, passwords will be sent to the previously specified phone number.

What should I do if I do not have my mobile phone with me?

A mobile phone is required to receive one-time codes when paying on websites that support 3-D Secure technology. If you do not have a mobile phone number, you will not be able to receive the code, and as a result the payment will not be processed.

Can I opt out of connecting to the 3D-Secure service?

Connection to the 3D-Secure service is mandatory for making payments for purchases and services on the internet. 3D-Secure technology ensures the security of payments made on the internet and allows you to control the card payment process without exposing yourself to the risk of fraud. Registration for this technology only needs to be completed once; thereafter, you will make your usual card payments, supplemented only by entering an additional code.

Recently, cases of fraud involving financial damage to clients of various credit institutions have become more frequent.

In this regard, Bank Uralsib considers it necessary to draw the attention of all its clients to the precautionary measures that must be observed in order not to become a victim of fraudsters and to avoid possible negative consequences associated with the use of bank cards and Online banking:

• It is necessary to eliminate the possibility of unauthorized obtaining of your personal information – do not provide it to unauthorized persons.
• Do not use bank cards in retail and service organizations that do not inspire confidence.
• When carrying out transactions with a bank card without using an ATM, do not let it out of your sight.
• Do not use devices that require entering a PIN code to access the premises where the ATM is located.
• Do not use the PIN code when ordering goods or services by telephone/fax or via the internet.
• Use the SMS notification service for transactions performed on your bank account.
  

Attention!

Never enter PIN codes for your plastic cards during any transactions on the internet. A PIN code is not required for an internet transaction. Use only those web-sites that you trust!

Never respond to messages received by email or SMS in which, under any pretext (technical re-equipment, software update, database reconciliation, etc.), you are asked to send by SMS or enter on your computer keyboard your personal data (Full name, bank card numbers, PIN codes, CVC/CVV codes, etc.).

Bank Uralsib never requests your PIN code via the internet, by phone, or through the Uralsib Online system.

If you discover internet sites with domain names and visual design similar to the bank's official website with the domain name bankuralsib.ru, please report this to our Contact Center or send a message through the feedback system.

Please note and remember the original addresses of the Bank Uralsib Internet banking system pages:

• Online banking – https://i.uralsib.ru
• Card payment system for VISA and Mastercard  – https://oplata.uralsib.ru/

Cases of unauthorized obtaining of bank card details during transactions via ATMs are also reported. Fraudsters may use overlay devices on the ATM keypad and on the card acceptance device (card reader).

Keypad overlay

Card reader overlay

In addition, fraudsters may even use “fake” ATMs. Such ATMs are usually installed illegally in places not controlled by credit institutions and outwardly do not differ from real ones.

at Bank URALSIB ATMs:

• insert the card into the ATM and enter the PIN code,
• on the ATM screen, select the "SMS service" option,
• in the ATM menu that appears, select the "Connect service" option. Then follow the on-screen instructions.

at Bank URALSIB branches

through the Bank URALSIB Contact Center if you have a code word, by phone at 8-800-250-57-57 (calls within Russia are free).

Make sure that your computer is not infected with any viruses. Install and activate antivirus software, and try to keep it updated at all times. Only continuous updates of antivirus software will allow you to detect and prevent the appearance of a virus in a timely manner.

It is recommended to use software that detects and combats Spyware software. Spyware is a type of software that attempts to record your keystrokes and transmit them to third parties.

The use of a virtual keyboard when entering your password at all stages of working with Online banking is strongly recommended. Using a virtual keyboard will help avoid password compromise if your PC is infected with Spyware software.

It is recommended to use a firewall when accessing the internet or to install a personal firewall on your computer. When using a firewall, unauthorized access to your computer system via the internet will be significantly more difficult or prevented.

Use software (operating systems, applications) from verified and reliable sources. Refrain from using and installing software from unverified sources.

If connecting via a modem, please pay attention to the dialed number. If you detect a number mismatch, delete the number unknown to you.

Configure your browser so that caching settings do not allow confidential pages (SSL-page) to be stored.

Monitor your email, do not open messages from unknown senders, and do not disclose your personal data. Never open suspicious files sent to you by email. Do not reply to emails in which, allegedly on behalf of the bank, you are asked to provide personal information. Never follow links in such emails (even to the bank's website), as they may lead to fraudulent websites.

Check the addresses of the websites you connect to, as attackers may use similar names to create fraudulent resources.

Avoid using internet resources of dubious content; they are often created specifically to obtain information about bank cards and subsequently use it unlawfully.

Make purchases only from your own computer; do not use internet cafés or other publicly available means where spyware programs that record the confidential data you enter may be installed.

Choose non-trivial passwords that are not related to your date of birth or other personal data. If possible, choose alphanumeric passwords. Do not write down passwords or disclose them to anyone. If you are afraid of forgetting your password, devise a recording system that is understandable only to you (for example, in the form of a phone number or an address in an address book).

The bank never sends emails requesting confidential information or containing computer programs.

If you have received an email allegedly from the bank and its content raises suspicion, or if you were contacted by phone allegedly on behalf of the bank with a request to install certain software, please contact the bank's support service to clarify the situation. Always use the contact information of the bank's support services provided in official sources of information, and do not use the contact information provided in the received email or obtained during the phone conversation.

Any electronic messages sent from free internet email services (@mail.ru, @yandex.ru, @rambler.ru, @gmail.com, @yahoo.com, etc.) are not emails sent by the bank.

You can transfer funds to cards of any Russian bank. Transfers are made in Russian rubles.

If you accidentally made a mistake in one of the digits of the recipient's number and such a number does not actually exist, you will immediately receive a response that the transaction was unsuccessful.

Transfer of funds from Bank Uralsib corporate cards, as well as transfers to Bank URALSIB corporate cards, is prohibited. A corporate card is a bank card issued to a legal entity that allows its holder, an individual authorized by the legal entity, to carry out transactions on the legal entity's account.

Funds are authorized instantly when transferred to Bank Uralsib cards (MIR, Visa, Mastercard) and may be available to the client for making payments and purchases. When transferred to cards of third-party banks, the funds must be authorized in the recipient's account within 10 minutes (in some cases, the transfer period may take up to 3 days). Please note that if you need to transfer funds to repay a loan, this must be done in advance, approximately three business days ahead.

To use this service, your card must be connected to the 3DS service. You can connect a Bank Uralsib card in several ways:

1. Enable the 3DS service at a bank branch

2. Enable the SMS service in Uralsib Online or the bank's mobile app, as well as by calling the contact center 

The most common reasons for a transfer decline:

• the sender's card does not support 3D Secure technology; 
• cards of the sender for which transfers are prohibited have been used;
• the sender's card details (card number, expiry date, CVV2/CVC2) or the recipient's card number were entered incorrectly;
• there are insufficient funds on the sender's card to make the transfer;
  
• the bank that issued the recipient's card declined the transfer; 
  
• the limits on the sender's and recipient's cards have been exceeded; 
  
• the sender's and recipient's cards were issued in a country to which transfers are not permitted;
  
• the transfer is being made from a card of, or to a card of, a foreign bank.
  

Transfers to cards of other banks may be credited within several days due to the technical specifics of the recipient card issuer bank.

If you have questions about the receipt of funds to the card, you need to contact the bank that issued the recipient's card.

It is not possible to cancel a successfully completed transfer.

3D Secure is a way to improve the security of online transactions. At Bank URALSIB, as in most banks, this is confirmation of a card transaction by entering a one-time password sent in an SMS message. If the sender's card does not support the 3D Secure verification mechanism, a transfer from such a card is not possible. In this case, the customer needs to contact the bank that issued their card and enable 3D Secure.

You can use the card-to-card transfer service on the internet only for cards that support 3D Secure technology. Transfers are available for cards issued by Russian banks of the Visa and Mastercard payment systems. If a transfer was mistakenly sent to the actual card number of another recipient and you received a notification confirming the transfer was successful, it is impossible to make any changes to the transfer or revoke it.

Yes, you can transfer funds without being charged a fee using an ATM, BPT, on the website and in the online channels of Bank Uralsib:

- from a Bank Uralsib debit card to a Bank Uralsib card;

- from the Bank Uralsib "120 Days to the Maximum" credit card and the MIR Supreme credit card to a Bank Uralsib card / a third-party bank card / a partner bank card.

• If your family member's account is opened with Bank Uralsib, you can make a transfer free of charge from your account to another individual's account using the online bank or the mobile application Uralsib Online.
• If your family member's account is opened with another bank, you can make a transfer from your account in the amount of up to RUB 100,000 (inclusive) per calendar month through the Faster Payments System (SBP) via Uralsib Online.
  

From 01.05.2024, Bank Uralsib does not charge a fee for transfers of funds in rubles made in Uralsib Online in a total amount of RUB 30 million per month from the account (deposit) of an individual client opened with Bank Uralsib:

- to an account (deposit) of the same individual opened at another bank;

- to a special account of a financial platform operator (hereinafter referred to as FPO), where this individual is the Beneficiary (the list of FPOs is posted on the website of the Central Bank of the Russian Federation).

The number of transactions per month within the specified amount is unlimited.

At the same time, the maximum transfer amount via the Bank of Russia Faster Payments System (SBP) is RUB 30,000,000 (thirty million) rubles; the amount of other transfers within the specified sum is not limited.

A fee continues to be charged for making the above transfers at The bank's service offices and for money transfer transactions using payment (bank) cards under the rules of the relevant payment systems (card to card).

To identify a transfer as a transfer “to yourself” and cancel the transfer fee, Uralsib verifies the matching of:

• The sender’s last name, first name, patronymic, phone number and the recipient’s last name, first name, patronymic, phone number — when making transfers by phone number, including transfers via the Bank of Russia Faster Payments System (SBP).

Uralsib does not charge a fee for a transfer to yourself to another bank by phone number if the recipient’s Full name matches the sender’s Full name and the recipient’s phone number matches the sender’s phone number (specified in the sender’s personal account in Uralsib Online). Changing the sender’s phone number is available in the Uralsib Online personal account (More/My data/Phone number).

• The sender’s last name, first name, patronymic and the recipient’s last name, first name, patronymic — when making transfers using bank details.

At the same time, when arranging a bank transfer using the recipient’s bank details, it is important to follow the sequence of the recipient’s last name, first name, and patronymic. If the sequence does not match (for example, if the recipient’s full name is entered as Regina Petrovna Sidorova instead of Sidorova Regina Petrovna), the transfer fee will be charged.

1. The transfer is made to top up an electronic wallet without opening a bank account (for example, with Ozon Bank, Wildberries Bank, or Yandex Bank).

Since May 1, 2024,  the provision of Part 5 of Article 29 of Law No. 395-1 "On Banks and Banking Activities" applies only to online transfers made between your own bank accounts in different banks within 30 million rubles per month and does not apply to transfers to electronic wallets without opening a bank account.

Detailed information about opening a bank account, for example, with Ozon Bank, Wildberries Bank, or Yandex Bank, will be provided by the recipient bank.

2. The phone number and/or Full name in the sending bank does not match the phone number and/or Full name in the recipient bank.

3. Outdated app version. In versions of Uralsib Online below 4.52, a fee may be displayed when making 'to myself' transfers, but in fact The bank does not charge a fee.

We recommend updating the bank app to the latest version or using the web version of Uralsib Online.

For the correct operation of Uralsib Online, including the correct display of The bank's fee amount, it is necessary to update The bank's application to the latest version or use the Uralsib Online web version.

You can ознакомиться with the payment limit amount in Uralsib Online in the Limits section.

Auto Payment can be enabled in 2 ways. 

At the time of making a payment. 

After paying for the service in the app or the Uralsib Online web version, select “Create template” - “Set up Auto Payment”, choose the frequency, the payment start date, and the service validity period. Click “Create” for automatic payment.

 From transaction history. 

In Uralsib Online, under the “History” tab, find the payment for which you want to set up Auto Payment, click the transaction, and select “Create” - “Set up Auto Payment”. Specify the frequency, the payment start date, and the service validity period. Click “Create” for automatic payment. 

A document confirming that a payment has been made can be obtained in Uralsib Online. A receipt for a completed payment can be sent by email, WhatsApp, and other messengers. A payment made earlier can be found in the transaction history.

A receipt for a completed payment with a blue stamp has the same legal force as a document issued at a bank branch.

The bank sends payments to the recipient's account on the next business day after the payment is accepted. Payments for mobile services and other telecommunications services are credited to the recipient's account online or on the day the payment is accepted.

What does the payment fee amount depend on?

The fee depends on the payment method (cash, card, or account), the payment channel, and the terms of the agreement with the recipient. You can review the payment tariffs & fees by following the link.  

When paying for Housing and Utilities services in Uralsib Online, no fee is charged. 

In Uralsib Online, go to the "Payments" section, select "Bills for payment", and click "Add". Then find the payee for which you want to create a subscription and enter the payment details, for example — the personal account number and the subscription name.

A document confirming that a payment has been made can be obtained in Uralsib Online. A receipt for a completed payment can be sent by email, WhatsApp, and other messengers. A payment made earlier can be found under the "Transaction History" tab.

A receipt for a completed payment with a blue stamp has the same legal effect as a document issued at the bank office. 

The bank transmits payment information to the GIS GMP system (State Information System) immediately upon your payment being made. If after 7 days the fine is still listed as unpaid, contact the traffic police and attach the payment receipt from Uralsib Online.

In Uralsib Online, no fee is charged when paying State Traffic Safety Inspectorate fines. 

The bank sends payments to the recipient's account on the next business day after accepting the payment. 

In Uralsib Online, go to the "Payments" section, select "Bills for payment", click "Add subscription", then select the required item, for example, "Traffic police fines". Next, enter the vehicle registration certificate number or the driver's license number.

The fee depends on the payment method (cash, card, account), the payment channel, and the terms of the agreement with the recipient. You can ознакомиться with the payment tariffs by following the link.  

When paying for Housing and Utilities services in Uralsib Online, no fee is charged. 

You can review the payment limit amount in Uralsib Online in the Limits section.

AutoPay can be enabled in 2 ways. 

At the time of making a payment. 

After paying for the service in the app or Uralsib Online web version, select “Create template” - “Set up AutoPay”, choose the frequency, the payment start date, and the service validity period. Click “Create” to enable automatic payment.

 From transaction history. 

In Uralsib Online, on the “History” tab, find the payment for which you want to set up AutoPay, click the transaction, and select “Create” - “Set up AutoPay”. Specify the frequency, the payment start date, and the service validity period. Click “Create” to enable automatic payment. 

A document confirming a payment can be obtained in Uralsib Online. A receipt for a completed payment can be sent by email, WhatsApp, and other messengers. A payment made earlier can be found in the transaction history.

A receipt for a completed payment with a blue stamp has the same legal force as a document issued at a bank branch. 

Payments to mobile operators, including mobile operators outside the Russian Federation, are processed online.