Bank Russian standard card blocking. Help for holders of Russian standard bank cards

Russian Standard Bank denies information about mass blocking of customer cards, the press service of the credit institution told the Banki.ru portal.

“Russian Standard Bank does not carry out any mass blocking; the number of blockings initiated by the bank does not exceed average values. In exceptional cases, in order to ensure the security of the account and the safety of the client’s funds, the card may be blocked. At the same time, if suspicions of compromise of the card or other violations in its use are not confirmed, the client can unblock the card,” the press service said.

Russian Standard clients publish numerous messages about card blocking in the “People's Rating” section of the Banki.ru portal.

“The day before yesterday, as always, I transferred money from my own current account from another bank, the next day all the cards were blocked (yes, all of them), the Internet bank is empty, one deposit is hanging,” writes one of the clients.

As another client reports, he had previously confirmed the source of origin of the funds, but all his cards were blocked without warning. “I received a message that your cards are blocked. Call the hotline. They said that, according to Law 115, they think that I am a terrorist or that I am using the card for cash withdrawal. My salary and dividends are transferred there. The amounts are small but regular. About a year ago they asked me to bring documents - I did. Now they took it and blocked it, they said, bring the documents. I brought it on the same day (luckily everything was left over from last time), but they said that now I have to wait from three to 30 days,” notes the bank client.

One of the cardholders reports that her card was blocked after money was deposited into her account.

“On the eve of the blocking, I received money in the amount of 86 thousand rubles (free debit card “Bank in your pocket”). Having contacted the bank branch and provided the employees with the available documents on the legality of the income, I received a response that the amount in my account was blocked and could not be issued through the cash desk,” says the client.

In response to customer complaints, the bank informs that the cardholder can receive funds by transferring to a third-party credit institution based on a corresponding application, but first the customer must submit an application to the bank to terminate the agreement.

Russian standard

JSC Russian Standard Bank is a large metropolitan highly specialized retail bank, controlled by the creator of the vodka brand of the same name, Rustam Tariko (100%). The financial institution is one of the leaders in the credit card market. At the same time, the financial institution became a pioneer and one of the largest participants in the high-margin consumer lending market. The basis of the bank's resource base consists of approximately equal shares of deposits from individuals and attracted interbank loans, which significantly reduces the acute dependence of the credit institution on the public raising of funds in foreign markets in the past.

According to Banki.ru, as of October 1, 2019, the bank’s net assets were 334.59 billion rubles (29th place in Russia), capital (calculated in accordance with the requirements of the Central Bank of the Russian Federation) - 41.94 billion, loan portfolio - 147 .19 billion, liabilities to the population - 163.19 billion.

20.09.2013 17:41:40

Good afternoon I, Oksana Vladimirovna Tolochko, am a VIP client of Russian Standard Bank. On September 13, 2013, the security service of Russian Standard Bank blocked the card accounts of my brother, Alexander Vasilyevich Tolochko, to whom I transferred 42,000 rubles from my Qiwi wallet, seeing “fraud” in this operation, and asked him for confirmation of the transfer of money from my wallet to his account . We provided this document, but the security service, through a bank employee who spoke with her by phone, requested a report on the receipt of money in my wallet. I transferred money to my Qiwi wallet from my Russian Standard account, and the bank’s security service has independent access to this information. But she began to demand this document from the Qiwi bank, although the Qiwi bank does NOT PROVIDE a document about the receipt of money into the Qiwi account! I showed this correspondence with the Qiwi bank, and the bank employee began to demand at least a printout from my Internet bank in Russian Standard. And they were told that they would consider our application to unblock the account for at least 30 days. The bank's behavior is simply outrageous; it is looking for any way to illegally hold and use other people's money. Although I transferred this amount to a Qiwi wallet from a credit card, and will have to pay interest to the bank!!!

We kindly request you to look into the bank’s dishonest actions and influence this situation.

Bank representative's response

24.09.2013 20:23:19

Good afternoon

We regret that the current situation led to a misunderstanding of the Bank’s position by you and resulted in this review.

At the same time, on the merits of what happened, I would like to clarify that in accordance with Federal Law No. 115 “On combating the legalization (laundering) of proceeds from crime and the financing of terrorism,” the Bank has the right to request documents explaining the economic meaning of transactions carried out on Customer Accounts , as well as documents confirming the legality/expediency of transactions reflected in the Accounts. Thus, we dare to assure you that the Bank’s employees did not commit any illegal actions against you.

We understand that the situation with blocking remote access to funds can be unpleasant. At the same time, we would like to note that the Client can always receive his own funds through the Bank’s cash desk when applying with a passport of a citizen of the Russian Federation within the framework of the Tariffs applicable to the Card. Information on the situation you described was transferred to the relevant division of the Bank for priority consideration. You will be notified additionally about the results of consideration of your application. At the same time, to clarify the possibility of unblocking Cards, we recommend that you provide the previously requested documents (if you have not already provided them).

Sincerely,
CJSC Russian Standard Bank

A modern person uses a bank card at least a couple of times a week to pay for purchases in a store or make some kind of non-cash payment. This is profitable and convenient, so many people have more than one credit card in their wallet.

But there comes a time when there is no longer a need to use the card and the person wants to get rid of it in order to no longer have any debt obligations to the financial institution. We’ll tell you in more detail about how to close a Russian Standard credit card and permanently end your relationship with the bank.

Hand over your plastic card to the bank

To understand the algorithm for closing an account, you need to study the loan agreement, which clearly states that the owner of the card is the client, but the credit card still belongs to Russian Standard Bank. So you can't just throw it away.

If we are talking about a salary card that can be forgotten or lost somewhere, then you just need to block it and no one else owes anyone anything. This number will not work with a credit card. Its service has some features that you need to know about.

First of all, this is connected SMS information, interest calculation and other paid services, which must first be disabled and only then can you close the card. Therefore, the process of closing a card should consist of a sequence of actions by the borrower.

No debt on the card

It will not be possible to close a Russian Standard bank card if it has even a minimum debt amount of a couple of rubles. A negative balance may cause interest to accrue, which will primarily affect the client himself. So it is in your best interest to contact a bank branch, where you can obtain an account statement and find out the amount of debt (if any) under the credit line.

It is best to get this information from different sources:

  1. First, take a receipt from the ATM with information about the amount of debt and the card balance.
  2. Then contact the Russian Standard Bank hotline and clarify the necessary data there.
  3. After this, you can grab your passport and go to the bank branch.

This will take time, but it eliminates the possibility of error. In any case, you will have reliable data on how much the client owes to his financial institution.

Now about how to close the Russian Standard card. Contact the branch where you received the credit card and write an application there, the form of which can be obtained from a bank employee. The card is submitted along with the application. In general, if you have no debts, a bank employee should immediately destroy the plastic in front of you by cutting it with scissors.

Do not be afraid to show some meticulousness in credit matters, which can be fraught with large expenses. It won't be superfluous. Take a copy of the document from the bank employee stating that the credit card is closed. If there are debts on the card, they must first be repaid in any convenient way.

Paying off debts and closing a credit card

This must be done on the day when the amount of the debt was clarified. This is due to the fact that the interest for the borrower was calculated exactly on the current date, and if you pay them off after 3 days, the final amount may be completely different. If you do not pay on the card, the amount of interest and fines will only accumulate, which will ultimately lead to the fact that the borrower will not be able to pay the lender at all.

Card closure deadlines

Get ready to wait, the procedure for closing a Russian Standard bank card can take about 60 days. After this period, the agreement will be terminated and any relationship between the bank and the client will cease.

Deadlines for returning the balance on the card

If there were no debts on the credit card balance, but only own funds, and the borrower did not withdraw them from an ATM, you will also be able to receive your money in 2 months, when the agreement is terminated.

Always ask for a certificate of debt repayment and account closure from a bank employee. Additionally, control the disabling of all paid services such as mobile banking or SMS notifications.

If the card expires

We considered the option when the client himself decides to close the account and no longer use plastic. If your credit card expires, you should not assume that you will no longer have any relationship with the issuer. The account will still remain active and interest will be accrued periodically on the negative balance.

Therefore, Russian Standard Bank must be notified in advance that the credit card needs to be reissued. Usually in this case there is no need to pay for re-registration, but the annual maintenance fee will be charged according to the standard scheme.

If for some reason you do not want to reissue the card when its expiration date has expired, you will need to notify the bank one month before the expected expiration date. As you can see for yourself, there are no difficulties.

Finally

A credit card can be an excellent tool that makes it so easy to pay for goods or services. The algorithm for obtaining plastic is different for each bank and often you even have to get a card with a large credit limit and low interest rates.

She will simply be a godsend in difficult times, when financial problems arise and there is no one to ask for help. But you shouldn’t take money lightly, because if you don’t control expenses on the card, you may bitterly regret that you ever received a credit card.

For some reason, people don’t take card closure seriously. But there is nothing complicated here at all, the main thing is to know what problems may arise in the process and how to resolve issues of credit card debt.

Remember that in any case, you will need to have a copy of the document on hand, which notifies you that you have no remaining debt obligations to the bank. In the event of a controversial situation, having such a certificate will play into your hands and you will not have debts to the financial institution.

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 		Debit card from Alfa Bank

Activation of a bank card is possible in two ways:

  • make a call at any convenient time to the telephone number of the call center, which is indicated on the back of the card, and tell the operator the access code (this code is indicated in the application form when concluding a service agreement and allows the bank to identify the client when he calls the call center) . Please note that this call must be made from one of the numbers that you indicated in the application form as your contact information.
  • directly at a bank branch, in which case you must present the card along with your passport.

2. How to check your card balance

  • "SMS service" service

The service is available to subscribers of all mobile operators (15 networks). Messages from the bank are sent immediately after using the BOD. To find out your card balance at any time, you need to send the following request to number 4442: BALANS, AEBALANS, BLNS or 001.

  • at a bank branch

Contact the bank in person, present your passport to the operator and receive an invoice statement for the card.

  • Internet banking service

To do this, you need to connect to the service at any bank branch, receive a login and password to enter the Internet Bank (website https://online.rsb.ru). There is no subscription fee for using this system. Balances for all available cards (active banking products) can be seen immediately on the main page of Internet Banking.

  • by phone

Call 8 800 200-6-200 or 8 495 748-0-748 (in Moscow) and find out the card balance from the bank’s call center operator.

3. How to transfer money between cards

  • Internet banking service

To make a transfer, you must select the “Transfer money” item (section “Operations”) on the main page or follow the link “Transfers” (section “Accounts”, “Cards”). To transfer funds between your accounts opened with the bank, you must select the “Internal transfers” section. The “External Transfers” section is intended for transferring funds from your account to the accounts of other individuals and legal entities. To make a transfer, you must provide the following information: bank card number (section “By Visa, MasterCard, American Express card number”); telephone number or account number (section “Transfer to clients”).

  • “Mobile Bank” service (for iPhone/iPad/Android)

Using a special application installed on your smartphone running on the iOS, Android or Windows Phone operating system.

  • bank branch

To do this, you need to know the recipient's account details.

  • via ATM

In this case, cash (Russian rubles) is deposited onto a card inserted into the ATM (via the “Cash deposit” menu) or the card number of the transfer recipient is manually entered (via the “Cash deposit by card number” menu).

4. How to top up the card

  • in any QIWI / QIWI payment terminal (for holders of the “Bank in your Pocket” service package);
  • 24 hours a day using the “RS Express Money Transfers” service;
  • at a branch of Russian Standard Bank;
  • by depositing funds through the cash desk of another bank.

5. How to increase your credit limit

  • Internet banking service

Submit an application to increase the card limit on the website using the Internet Banking service.

  • at a bank branch

Contact a bank branch with an application to increase your credit limit. Also, the size of the limit can be increased at the initiative of the bank itself (if the client fulfills his obligations to repay the debt).

6. How to block a Russian Standard Bank card

  • by phone

Call 8 800 200-6-200 or 8 495 748-0-748 (in Moscow), inform the bank’s information center employee about the loss of the card and ask to block it.

  • “Internet Bank” service, section “Cards”
  • upon written request

To block a virtual prepaid card in the event of theft of its details or its loss, you must submit a written application to the bank branch.

7. How to change your PIN

Upon receipt and activation of a reissued card, the client can independently generate any PIN code, including the previous password.

You can change the PIN code for your card in any convenient way:

  • by contacting a bank branch with a written application;
  • independently through an ATM that supports the password change function;
  • by contacting the call center 8800 200 6200 (provided you provide the correct access codes);
  • via Internet banking if you have a remote service agreement.

For cards with a chip, after creating a PIN code, as well as after each change, it is recommended to make the first transaction at a bank ATM (for example, request a balance). This is necessary to complete the formation of the PIN code and for the card to work correctly.

8. How to close a card

The client has the right to terminate the agreement and refuse to use the card at any time. To do this you need:

  • provide the bank with a written application in the prescribed form and at the same time return all cards issued under the agreement. The specified application must be submitted to the bank at least 60 calendar days before the expected date of termination of the agreement;
  • pay off the debt.

From the moment the client’s written application to terminate the agreement/close the account is registered with the bank, crediting of the account is stopped. In this case, the balance of funds in the account is used to pay off the debt. The balance of funds from the account, if any, is transferred according to the details specified by the client, or issued through the bank’s cash desk.