Fee guide

Chapter IV. OPERATIONS WITH BANK PAYMENT CARDS
*In Chapter IV the following alphabetic currency codes are used to denote currencies: BYN - Belarusian ruble, USD -US dollar, EUR - Euro, RUB - Russian ruble, CNY - Chinese yuan
18. Servicing of bank cards issued by JSC Belagroprombank								Payment due date
18.1. Servicing of personal cards
№	Operation	Type of a card
		BELCARD; BELCARD- PREMIUM; BELCARD Savings²⁸	BELCARD-PREMIUM ^1,32 / BELCARD-PREMIUM-Maestro	MasterCard Unembossed "Motsnaya Kartka"	Visa Classic¹; MasterCard Standard; MasterCard "Motsnaya Kartka" MasterCard Standard Savings²⁸	Visa Gold; MasterCard Gold; MasterCard Gold "Motsnaya Kartka"; MasterCard Gold Savings²⁸	Charity debit card "Touch" MasterCard Unembossed / MasterCard Gold
		Fee rate/Account currency BYN/ USD / EUR / RUB / CNY ³
18.1.1.	Servicing of debit cards (except "Deposit cards", Mastercard World "О-GO!" cards, Mastercard Standard keyring card, Visa Platinum, Visa Infinite cards, payment ring "PayRing", Masterсard World "Superpower", MINI "Drive" Visa Classic cards), cards Visa Classic "Drive", cards Mastercard Standard "Motsnaya kartka" - PerekrestOK)
18.1.1.1.	Servicing of of cards (for each card validity period):
18.1.1.1.1.	· issued in divisions, through remote sales channels		10,00 BYN ⁴/ 16,00 BYN ^4,7	30,00 BYN	40 BYN ⁴	80 BYN ^4,7	21,00 BYN / 42,00 BYN	On the day of submission of the application²
18.1.1.1.2.	· issued via RDS system		8,00 BYN / 11,00 BYN	25,00 BYN	35,00 BYN	70,00 BYN	21,00 BYN / 42,00 BYN	Before receiving a card ²
18.1.1.3.	Service of virtual cards "Unreal card" (for each validity period)³⁸	3,00 BYN⁴						On the day of submission of the application
18.1.1.4.	EXCLUDED
18.1.1.5.	Card reissue ⁵ ¹º	3,00 BYN	3,00 BYN	3,00 BYN	5,00 BYN	10,00 BYN¹¹	7,00 BYN / 15,00 BYN	On the day of submission of the application²
18.1.1.6.	Express card issue within 2 business days¹²	15,00 BYN						On the day of submission of the application²
18.1.1.7.	EXCLUDED
18.1.1.8.	Issue of a card on a customized blank card ¹²	BELCARD - PREMIUM, Masterсard Unembossed "Motsnaya Kartka", Visa Classic, Masterсard Standard "Motsnaya Kartka", Masterсard Gold, Masterсard Gold "Motsnaya Kartka": 25,00 BYN						On the day of submission of the application²
18.1.1.9	Issue of a card to non-residents of the Republic of Belarus⁶	100 BYN						On the day of submission of the application when applying for a card in a office or on the day of receiving the card when applying online. Paid in addition to the card service fee established in clause 18.1.1.
18.1.1-1	Servicing of debit cards "Deposit card"	Type of a card						Payment due date
		MasterCard Standard Savings			BELCARD Savings
		Fee rate/Account currency BYN/ USD / EUR ³
18.1.1-1.1.	Card support servicing
18.1.1-1.2.	Card reissue ¹⁰	^{5,00 BYN}			^{3,00 BYN}			On the day of submission of the application²
18.1.1-2.	EXCLUDED

18.1.1-3.	Servicing of cards Mastercard World "О-GO!"	^{Fee rate/Account currency BYN}						Fee payment due date
18.1.1-3.1.	Monthly user fee³⁷	^{2,50 BYN}						Monthly, but no later than the last working day of the month
18.1.1-3.2.	EXCLUDED
18.1.1-4.	Servicing of a keyring card Mastercard Standard	^{Fee rate/Account currency BYN}						Fee payment due date
18.1.1-4.1.	Card service fee	45,00 BYN						On the day of submission of the application²
18.1.1-4.2.	Reissue of a card¹⁰	^{40,00 BYN}						On the day of submission of the application²
18.1.1-5.	Servicing of a payment ring "PayRing"	^{Fee rate/Account currency BYN / USD / EUR / RUB}^³						Fee payment due date
18.1.1-5.1.	Issue of a card in the form of a payment ring "PayRing", for each validity period	^{380,00 BYN (VAT incl.)}^⁴⁰						On the day of submission of the application²
18.1.1-6.	Servicing of the Masterсard World "Superpower" card	Fee rate/Account currency BYN
18.1.1-6.1.	Card service fee	-
18.1.1-6.2.	Reisue of a card	-
18.1.1-7.	Servicing of the Visa Classic MINI "Drive", Visa Classic "Drive" cards	Fee rate/Account currency BYN						Fee payment due date
18.1.1-7.1.	Monthly service fee	2,50 BYN						Monthly, nut no later than the last working day of the month
18.1.1-7.2.	Reissue of a card	-
18.1.1-8	Servicing of the Mastercard Standard "Motsnaya kartka" - PerekrestOK	Fee rate/Account currency BYN						Fee payment due date
18.1.1-8.1.	Monthly service fee	2,50 BYN						Monthly, nut no later than the last working day of the month
18.1.1-8.2.	Reissue of a card	-
18.1.2.	Servicing of Visa Platinum, Visa Infinite debit cards	Visa Platinum³³			Visa Infinite³⁴
		Fee rate/Account currency BYN/ USD / EUR/RUB ³
18.1.2.1.	Issue of a primary card^13,42	300,00 BYN			1000, 00 BYN			On the day of submission of the application²
18.1.2.2.	EXCLUDED
18.1.2.3.	Reissue of a card ^10,11	10,00 BYN			50, 00 BYN			On the day of submission of the application²
18.1.2.4.	Monthly service fee	15,00 BYN			30,00 BYN			When funds are received into the account, but no later than the last working day of the month. A monthly ыукмшсу fee is charged for each active card from the month following the month the card was received.
18.1.2.5.	EXCLUDED							No later than the fifth working day of the month
18.1.3.	Servicing of credit cards	Type of a card
		Visa Instant (Standard)			MasterCard Unembossed Credit ¹⁵
18.1.3.1.	Servicing of a card	-			4,90 BYN monthly¹⁶			During the month following the loan debt

18.1.3.2.	Reissue of a card ^10,11	n/a			2,50 BYN			On the day of submission of the application²
18.1.3.3.	Reissue of a card due to card expiry ¹⁷	-			3,50 BYN			On the day of submission of the application²
№	Operation	Account currency BYN / USD / EUR / RUB / CNY ³						Payment due date

18.1.4.	Servicing of debit and credit card operations, provision of additional services
18.1.4.1.	Cash withdrawal in the Republic of Belarus:
18.1.4.1.1.	• from ATMs:
18.1.4.1.1.1.	- JSC Belagroprombank, JSC SSB Belarusbank, JSC Belinvestbank, JSC Belgazprombank
18.1.4.1.1.2.	-other banks	3,0% (min. 5,50 BYN / 3 USD / 3 EUR / 250 RUB / 20 CNY) ^19,39						At the moment of the operation
18.1.4.1.2.	• at cash advance offices:
18.1.4.1.2.1.	- JSC Belagroprombank	-
18.1.4.1.2.2.	- other banks	3,0% (min. 5,50 BYN / 3 USD / 3 EUR / 250 RUB / 20 CNY) ^{19, 18}						At the moment of the operation
18.1.4.1.2.3.	- RUE "Belpochta"	-
18.1.4.1.3.	• at merchants within acquiring agreements concluded with:
18.1.4.1.3.1.	- JSC Belagroprombank, JSC SSB Belarusbank	-
18.1.4.1.3.2.	- other banks	3% (min. 5,50 BYN / 3 USD / 3 EUR / 250 RUB / 20CNY) ^{19, 18}						At the moment of the operation
18.1.4.2.	Cash withdrawal outside the Republic of Belarus²⁵:
18.1.4.2.1.	• at ATMs	3,5% (min. 7,00 BYN / 5 USD / 5 EUR / 350 RUB / 35 CNY ) ^{19, 18,39}						At the moment of the operation
18.1.4.2.2.	• at cash advance offices	3,5% (min. 7,00 BYN / 5 USD / 5 EUR / 350 RUB / 35 CNY) ^{19, 18}						At the moment of the operation
18.1.4.3.	Cash withdrawal from the account to which a personal debit card is issued, without using the card^20,47
18.1.4.3.1.	• for residents of the Republic of Belarus	3 BYN ^{20, 47}						At the moment of the operation
18.1.4.3.2.	• for non- residents of the Republic of Belarus
18.1.4.3.2.1.	Russian rubles	3,00 BYN						At the moment of the operation
18.1.4.3.2.2.	Belorussin rubles	15% of the amount ^{9 20}						At the moment of the operation
18.1.4.3.2.3.	foreign currency except for Russian rubles	15% of the amount ^{9 20}						At the moment of the operation
18.1.4.4.	Account balance request by calling JSC Banks Processing Centre²⁰	2,50 BYN						Within three working days
18.1.4.5.	Account balance check at the devices of:
18.1.4.5.1.	• Partner banks (JSC SSB Belarusbank, JSC Belinvestbank, JSC Belgazprombank)	0,60 BYN / 0,2 USD / 0,2 EUR / 20 RUB / 1,40 CNY ¹⁹						Within three working days
18.1.4.5.2.	• of other banks-acquirers (except JSC Belagroprombank and partner banks)	1,50 BYN / 1 USD / 1 EUR / 50 RUB / 7 CNY ¹⁹						Within three working days
18.1.4.6.	Online transfer of cash from one card to another card (Person-to-Person) through self-service machines and RBSS of JSC Belagroprombank ³⁰
18.1.4.6.1.	to the card issued by JSC Belagroprombank							At the moment of the operation
18.1.4.6.1.1.	by card number	1,5% (min.0,49 BYN/0,25 USD/0,22 EUR/15 RUB / 1,75 CNY; max 6 BYN/ 2,5 USD / 2,5 EUR/ 150 RUB /17,5 CNY)^{11,19, 21}						At the moment of the operation
18.1.4.6.1.2.	by phone number	1,5% (min. 0,99 BYN)²¹						At the moment of the operation
18.1.4.6.2.	to the card issued by the bank resident of the Republic of Belarus (exclusive of JSC Belagroprombank)	1,5% (min. 0,99 BYN)
18.1.4.6.3.	to the card issued by non- bank resident of the Republic of Belarus	2,3% (min. 6,99 BYN / 2,5 USD / 2,5 EUR / 190 RUB)						At the moment of the operation
18.1.4.7.	Payments using arbitrary details through Internet-banking, Mobile banking 20, 29, ATMs and info kiosks of JSC Belagroprombank²⁹	0,5% (min. 1,00 BYN, max. 70,00 BYN)						At the moment of the operation
18.1.4.8.	Unblocking of a card blocked after three consecutive wrong PIN entries	1,40 BYN						Within three working days
18.1.4.9.	Receipt of a mini-statement through remote banking service systems, ATMs and info kiosks of JSC Belagroprombank and other acquirer banks²⁰	0,60 BYN/ 0,3 USD / 0,2 EUR / 8 RUB / 2 CNY ¹⁹						Within three working days
18.1.4.10.	Monthly fee for the service SMS-information ^20,22
18.1.4.10.1.	М Package ²³	1,99 BYN for each connection / reconnection of the mobile phone number						On the last working day of the month
18.1.4.10.2.	L Package ²³	2,49 BYN for each connection / reconnection of the mobile phone number						On the last working day of the month
18.1.4.10.3.	XL Package ²³	2,99 BYN for each connection / reconnection of the mobile phone number						On the last working day of the month
18.1.4.11.	Verification of the justification of the amount debited from a card account while performing an international operation using a card:^20, ^24,25
18.1.4.11.1	• When the verificaton is perfromed by JSC Belagroprombank at the client's initiative	-	25,00 BYN per operation					At the moment of applying for the service
18.1.4.11.2.	• In case of necessity to inquire to the international payment system (charged additionally to the fee, stated in the clause 18.1.4.11.1.)	-	60,00 BYN per operation					At the moment of applying for the service
18.1.4.11.3.	•In case of necessity to inquire to the arbitration / compliance committee of the international payment system at the client's initiative (charged additionally to the fee, stated in the clause 18.1.4.11.1. и 18.1.4.11.2.)		In the amount of actual expenses of JSC Belagroprombank ⁴¹					Not later than the last working day of the month following the month of completion of the dispute procedure
18.1.4.12.	Initiation of the return of funds erroneously transferred (credited) to the account of the proper beneficiary for transactions made in the devices of JSC Belagroprombank, at the request of the client	20,00 BYN per operation						At the moment of applying for the service
18.1.4.13.	Change of a PIN-code¹⁴ :
18.1.4.13.1	in ATMs of JSC Belagroprombank	5,00 BYN /2,5 USD / 2,5 EUR / 160 RUB / 17,5 CNY for each operation						Within three working days
18.1.4.13.2	in remote banking systems	3 BYN for each operation⁴⁸						At the moment of the operation
18.1.4.13.3	in the subdivision of JSC Belagroprombank	3 BYN for each operation						At the moment of the operation
18.1.4.14.	Depositing cash in Belarusian rubles to the account to which the card was issued using the details of the card issued by JSC Belagroprombank in Belarusian rubles through ATMs and self-service terminals of JSC Belagroprombank equipped with bill acceptors³⁵	1.5% (min. 1,49 BYN) ³⁶						At the moment of the operation
18.1.4.15.	Issue of a login card and a password to enter the Internet Banking system	0,75 BYN						Prior to receiving the card
18.1.4.16.	Issue of a session key card for the Interent Banking system	0,75 BYN						Prior to receiving the card
18.1.4.17.	Support of courier delivery of payment cards, including those issued in the form of a pay ring, to the requested location:
18.1.4.17.1.	• in Minsk city	15,50 BYN (VAT incl.) ⁴⁵						Upon request of the service ⁴⁶
18.1.4.17.2.	• in other city	20,00 BYN (VAT incl.) ⁴⁵
18.1.4.18.	Issue of PIN-codes in hard copy to cardholders	2,50 BYN ⁴⁹						Upon request of the service ²
18.1.4.19	Transfer of funds from card to card on-line (Person-to-Person) in self-service terminals and services of other banks (excluding other banks' fees)	2,0% (min. 2,00 BYN / 0,8 USD / 0,7 EUR / 58 RUB / 5,60 CNY)						At the moment of the operation
	Operation	Fee rate/Account currency BYN / USD / EUR / RUB /CNY						Payment due date
18.1.5.	Servicing of a card account
18.1.5.1.	Cashless crediting of funds to a card account ²⁷
18.1.5.1.1.	• Crediting of funds received from developer organizations, from other organizations as refund of previosuly paid amounts for construction (purchase) of residential property (all kinds of payments under residential construcion agreements), construction of utility networks, payment of design and estimate documentation and design and survey works	0,2 % of the amount ¹⁹						At the moment of the operation
18.1.5.1.2.	• Crediting of retirement benefits, scholarchip allowances, social benefits, social transfer payments (except welfare assistance to pensioners), alimony, funds for delivered agricultural produce without agreements with payers	0,5 % of the amount ¹⁹						At the moment of the operation
18.1.5.1.3.	• Other transfers in case there are no agreements between JSC Belagroprombank and a remitter	2,5 % of the amount (min 5,00 BYN / 2 USD / 2 EUR / 100 RUB / 14 CNY; max. 2500,00 BYN / 1000 USD / 1000 EUR / 55000 RUB / 7000 CNY). ¹⁹						At the moment of the operation
18.1.5.2.	Transfer of funds from a card account to accounts held with other banks	2,5 % of the amount ¹⁹						At the moment of the operation
18.1.5.3.	Transfer of funds from a card account (in case there is no agreement with remittee)
18.1.5.3.1.	• For payment of utility services and other services	1% of the amount¹⁹						At the moment of the operation
18.1.5.3.2.	• For construction (purchase) of housing	0,2% of the amount ¹⁹						At the moment of the operation
18.1.5.4.	Issue of a card account statement, for the second and subsequent statements	5,00 BYN						At the moment of applying for the service
18.1.5.5.	EXCLUDED
18.1.5.6.	Provision of information about payment details, performed with a card, on a company form	6,00 BYN per document						On the day of submission
18.2. Servicing of corporate cards
№	Operation	Type of a card
		BELCARD - CORPORATE				Visa Business / MasterCard Business
		Fee rate
		Account currency BYN/ RUB				Account currency BYN / USD / EUR / RUB
18.2.1.	Corporate cards servicing
18.2.1.1	Card service fee	30,00 BYN				50,00 BYN		On the day of acceptance of documents
18.2.1.2	EXCLUDED
18.2.1.3	Reissue of a card ¹º	15,00 BYN
18.2.1.4	Issue of a card within 2 business days ¹²	15,00 BYN
18.2.2.	Servicing of corporate cards operations
18.2.2.1	Cash withdrawal in the Republic of Belarus:
18.2.2.1.1.	• at ATMs:
18.2.2.1.1.1.	• JSC Belagroprombank, JSC SSB Belarusbank, JSC Belinvestbank, JSC Belgazprombank	1% (min. 2,50 BYN/ 1,0 USD / 1,0 EUR / 100 RUB) ¹⁹						At the moment of the operation
18.2.2.1.1.2.	- other banks	2,5 % (min. 5,50 BYN / 3 USD / 3 EUR /250 RUB) ¹⁹						At the moment of the operation
18.2.2.1.2.	• at cash advance offices:
18.2.2.1.2.1.	- JSC Belagroprombank	1% (min. 2,50 BYN / 1,0 USD / 1,0 EUR / 100 RUB) ¹⁹						At the moment of the operation
18.2.2.1.2.2.	- otner banks	2,5% (min. 5,50 BYN / 3 USD / 3 EUR / 250 RUB) ^{19, 18}						At the moment of the operation
18.2.2.1.2.3.	- RUE "Belpochta"	1% (min. 2,50 BYN / 1,0 USD / 1,0 EUR / 100 RUB) ¹⁹						At the moment of the operation
18.2.2.1.3.	• at merchants within acquiring agreements concluded with:
18.2.2.1.3.1.	- JSC Belagroprombank, JSC SSB Belarusbank	1% (min. 2,50 BYN / 1,0 USD / 1,0 EUR / 100 RUB)¹⁹						At the moment of the operation
18.2.2.1.3.2.	- other banks	2,5 % (min 5,50 BYN / 3 USD / 3 EUR / 250 RUB) ^{19, 18}						At the moment of the operation
18.2.2.2.	EXCLUDED
18.2.2.3	Cash advance outside the Republic of Belarus²⁵:
18.2.2.3.1.	• at ATMs	3,5 % (min. 7,00 BYN / 4 USD / 4 EUR / 350 RUB) ^{19, 18}						At the moment of the operation
18.2.2.3.2.	• at cash advance offices	3,5% (min. 7,00 BYN / 4 USD / 4 EUR / 350 RUB) ^{19, 18}						At the moment of the operation
18.2.2.4	Monthly fee for SMS-Alert service XL package	2,75 BYN for each connection / reconnection of the mobile phone number						Before the tenth day of each reporting month
18.2.2.5	Inquiry to the international payment system as to the correctness of the amount debited from a card account while performing an international operation using a card:^24,25
18.2.2.5.1.	• For performing control of the correctness of the amount debited from a card account by JSC Belagroprombank on a client's initiative	25,00 BYN per each operation						At the moment of applying for the service
18.2.2.5.2.	• If it is necessary to inquire to the international payment system (charged additionally to the fee, stated in the clause 18.2.2.5.1.)	60,00 BYN per each operation						At the moment of applying for the service
18.2.2.5.3.	•In case of necessity to inquire to the arbitration / compliance committee of the international payment system at the client's initiative (charged additionally to the fee, stated in the clause 18.2.2.5.1. and 18.2.2.5.2.)	In the amount of actual expenses of JSC Belagroprombank ⁴¹						Not later than the last working day of the month following the month of completion of the dispute procedure
18.2.2.6	Change of a PIN-code¹⁴:
18.2.2.6.1	in ATMs of JSC Belagroprombank	5,00 BYN /2,5 USD / 2,5 EUR / 160 RUB for each operation						Within three working days
18.2.2.6.2	in remote banking systems	3 BYN for each operation⁴⁸						At the moment of the operation
18.2.2.6.3	in the subdivision of JSC Belagroprombank	3 BYN for each operation						At the moment of the operation
18.2.2.7	Issuance of PIN-code to holders of corporate cards on paper	2,50 BYN						At the moment of the applying for the service
19. Servicing of operations performed in JSC Belagroprombank with cards issued by other banks
№	Operation	Type of a card: BELCARD; Visa; MasterCard						Payment due date
		Fee rate/Account currency BYN / USD / EUR / RUB
19.1.	Cash withdrawal at cash advance offices of JSC Belagroprombank	2,5% from the amount in BYN, 15% from the amount in USD / EUR						At the moment of the operation
19.2.	Cash withdrawal in Belarusian rubles at Belagroprombank ATMs using Visa, MasterCard payment systems cards issued by non-resident banks of the Republic of Belarus	10,50 BYN						At the moment of the operation
19.3.	Transfer of funds from card to card in on-line (Person-to-Person) mode in self-service devices and remote banking systems of JSC "Belagroprombank"
19.3.1.	to the card issued by JSC Belagroprombank	1,5% (min. 0,99 BYN)						At the moment of the operation
19.3.2.	to the card issued by the bank resident of the Republic of Belarus (exclusive of JSC Belagroprombank)	1,5% (min.1,49 BYN)						At the moment of the operation
19.3.3.	to the card issued by non -bank resident of the Republic of Belarus	2,3% (min. 6,99 BYN / 2,5 USD / 2,5 EUR / 190 RUB)						At the moment of the operation
Notes to Section IV:
1.	For bank payment cards issued under the "Children's card" product, a 50% service fee is charged. The service fee for BELCARD - PREMIUM issued as a part of "Children's Card" product for the participants of the Children's savings program "Grow Happy!" advertising campaign is not applied.
2.	When issuing cards through the remote banking system, a fee is charged before receiving the card/a PIN-code on paper in the amount valid on the date of ordering the card.
3.	The fee for the operations specified in section 18.1 "Servicing of personal cards" is applied to cards, the issue/reissue of which is carried out in the subdivisions of JSC "Belagroprombank", through remote sales channels, in the RBS system.
4.	The fee is not applied for servicing Unreal card in case of: availability of a term irrevocable bank deposit (deposit) in the same currency; issuing a card for Visa Platinum and/or Visa Infinite cardholders; issuing a card through remote banking systems. The fee is not applied for the service of one main card: BELKART-PREMIUM / BELKART-PREMIUM-Maestro / Visa Classic / Mastercard Standard / Visa Gold / Mastercard Gold if there is an urgent irrevocable bank deposit (deposit) with an initial storage period of at least 370 days in the amount of at least 100,000 US dollars on the date of the client's application (or equivalent at the rate of the National Bank of the Republic of Belarus) in the same currency. The fee is applied in the amount of 50% for the service of one main card: Visa Classic or Mastercard Standard if there is an urgent irrevocable bank deposit (deposit) in the same currency as of the date of the client's request; Visa Gold or Mastercard Gold, if on the date of the client's application there is an urgent irrevocable bank deposit (deposit) with a retention period of at least 185 days in the amount of at least 5000.00 bel. rub. (or equivalent at the rate of the National Bank of the Republic of Belarus) in the same currency
5.	Virtual cards "Unreal card" are not reissued. In case of loss, compromise, change of client data etc. a new card is issued with the collection of the fee provided for in clause 18.1.1.3. Reissue of the payment ring «PayRing» is not carried out except in cases of detection of a factory defect within 12 warranty months from the date of issuance of the ring (the decision on the presence of a вуаусе is made after the diagnostics of the payment ring by the appropriate service center). In a warranty case, the payment ring is reissued free of charge.
6.	The fee as per clause 18.1.1.9. is not charged: when issuing a card as part of the “Salary” packages; when registering for an “Unreal Card” in RBSS; when reissuing a card for a period not exceeding the current one.
7.	The fee for servicing primary and additional Visa Gold and MasterCard Gold, MasterCard Gold "Motsnaya Kartka" cards shall not apply to Visa Platinum and Visa Infinite primary card holders. The fee for servicing primary and additional Visa Gold cards shall not apply to holders of a paymemt ring "PayRing". The fee for servicing of primary and additional cards BELCARD-PREMIUM-Maestro is not applied to Visa Gold, MasterCard Gold and MasterCard Gold "Touch" and MasterCard Gold "Motsnaya Kartka" primary card holders.
8.	EXCLUDED
9.	The fee (as per Clause 18.1.4.3.1) is applied when issuing: - salary and equivalent payments; - cash in an amount not exceeding the amount of cash (including interest) credited: from a fixed -term bank deposit concluded with JSC "Belagroprombank" until 31.07.2022 inclusive, within one person, from a fixed -term irrevocable bank deposit concluded with JSC Belagroprombank from 08/01/2022 for a period of at least 12 months, within one person. The fee is not applied when issuing funds from a fixed -term revocable bank deposit "Deposit card"
10.	Reissue of a card to replace a lost card within its validity period, in the event of its mechanical damage, loss of PIN-code, or change of client's data. If the card has been compromised through no fault of the client or in case the fact of the card's failure has been confirmed (the relevant report has been submitted) the card is reissued free of charge, if the card of similar status is issued. If there are no blank cards of a similar status and (or) cards with a status higher than the reissued one are issued, a fee is charged according to the cost of the issued card.
11.	Starting from 01.08.2022 the fee is not charged when transferring funds from Visa Gold, Mastercard Gold, Mastercard Gold "Motsnaya Kartka", Mastercard Gold "Touch", Visa Platinum, Visa Infinite via self-servicing machines, Internet - banking and Mobile - banking
12.	Charged in addition to the card servicing fee. The fee shall not be charged for Visa Classic debit cards issued under the "Children's Card" product.
13.	If the client requests an additional service – insurance policy (contract of voluntary insurance against accidents and illnesses when traveling abroad), the fee for reissue of the primary card is charged less the insurance fee (calculations are made according to the rates of the National Bank of the Republic of Belarus on the day of fee payment). This discount is available only if the insurance policy is taken out at the time of payment card issuing fee.
14.	In ATMs, the PIN code is changed with the assignment of the PIN code by the cardholder, in the RBSS and the bank's subdivision, the PIN code is generated and set by JSC Belagroprombank.
15.	The fee for operations made with MasterCard Unembossed Credit card is also applicable to MasterCard Unembossed credit cards.
16.	Monthly fee is applicable to the agreements concluded from 10.09.2010 through 21.01.2013, and is charged provided that there is indebtedness during the validity of the credit line, starting from the month following the month in which the indebtedness occurred.
17.	The fee applies to loan agreements concluded no later than 21.01.2013.
18.	For cash withdrawals with JSC Belagroprombank-issued cards other banks may charge an additional fee.
19.	Depending on the currency of a card account.
20.	The fee is charged also for the virtual cards "Unreal card".
21.	If the sender's card and the recipient's card belong to the same client: when making a transfer by card number, no fee is charged; when transferring by phone number, a fee is charged. When making transfers using the "Contracts" and "Kopilka" functionality as part of the "FinTeam" service, no fee is charged.
22.	The fee is not applied: to holders of cards issued under the Care Package and M Package ; to holders of Visa Platinum and Visa Infinite under the XL package, Visa Gold и Masterсard Gold, payment ring "PayRing" under the L Package. The 50% fee is charged for holders of cards , issued as part of the "Care" package, as part of the "XL" package. The 70% fee is charged for holders of Visa Gold, Mastercard Gold, Mastercard Gold "Motsnaya Kartka", Mastercard Gold "Touches", payment ring "PayRing", as part of the "XL" package.
23.	The SMS Alert service packages include a set of SMS alerts for the following card operations: М Package - crediting funds to an account (CMS); account top-up (P2P payment) (with the account balance); decline (wrong PIN, PIN try limit exceeded, amount limit exceeded, insufficient funds, e-commerce not permitted); not sending messages on crediting funds to an account in the amount not exceeding 5 BYN/ 4.5 USD/ 3.5 EUR/ 200 RUB / 31,50 CNY; message on bank payment card expiry of validity; L Package - crediting funds to an account (CMS); account top-up (P2P payment) (with the account balance); decline (wrong PIN, PIN try limit exceeded, amount limit exceeded, insufficient funds, e-commerce not permitted); not sending messages on crediting funds to an account in the amount not exceeding 5 BYN/ 4.5 USD/ 3.5 EUR/ 200 RUB / 31,50 CNY; message on bank payment card expiry of validity; cancellation of account top-up (with the account balance); cancellation of payment for goods/services (outside the Republic of Belarus) (with the account balance); cash withdrawal cancellation (outside the Republic of Belarus)(with the account balance); purchase return (outside the Republic of Belarus); cancellation of purchase return (outside the Republic of Belarus); payment for goods/services (withdrawal P2P) (outside the Republic of Belarus) (with the account balance); cash withdrawal (outside the Republic of Belarus) (with the account balance); XL Package - crediting funds to an account (CMS); account top-up (P2P payment) (with the account balance); decline (wrong PIN, PIN try limit exceeded, amount limit exceeded, insufficient funds, e-commerce not permitted); not sending messages on crediting funds to an account in the amount not exceeding 5 BYN/ 4.5 USD/ 3.5 EUR/ 200 RUB / 31,50 CNY; message on bank payment card expiry of validity; cancellation of account top-up (with the account balance); cancellation of payment for goods/services (inside and outside the Republic of Belarus) (with the account balance); cash withdrawal cancellation (inside and outside the Republic of Belarus)(with the account balance); purchase return (inside and outside the Republic of Belarus); cancellation of purchase return (inside and outside the Republic of Belarus); payment for goods/services (withdrawal P2P) inside and outside the Republic of Belarus (with the account balance); cash withdrawal (inside and outside the Republic of Belarus) (with the account balance); not sending messages on account writing off in the amount not exceeding 5 BYN/ 4.5 USD/ 3.5 EUR/ 200 RUB / 31,50 CNY in the Republic of Belarus. The list of operations in any package is subject to change as the service improves.
24.	1,5
25	The operation is not perfromed when using BELCARD cards issued before 01.01.2020.
26.	When debiting funds from the card account, the fee is charged in the currency of the account at the rate set by JSC Belagroprombank for card operations.
27.	The fee shall not apply in the cases below: - the card account is topped up using the funds from the accounts held with JSC Belagroprombank; - the card account is topped up by the holder of the account with other banks; - cancellation of cash withdrawal or payments for services (goods) due to technical failures and errors; - cancellation of card payments for goods when a client has refused the purchase, provided that the operation was made with that card, and in other emergency cases; - refund of funds by the service provider for erroneous payments; - disbursement (partial disbursement) of the loan provided by JSC Belagroprombank in accordance with the Procedure for implementation of the program of JSC Belagroprombank's participation in the agroecotourism development in the Republic of Belarus; - disbursement (partial disbursement) of the loan under loan agreement concluded between an individual and JSC Belagroprombank; - payment of welfare assistance to pensioners; - crediting funds under an acquiring agreement (Internet acquiring agreement) concluded with the account holder. - crediting funds to pay off debts to JSC Belagroprombank according to an executive document, the collector of which is JSC Belagroprombank. - upon receipt of funds from budgetary funds accounts; - upon receipt of charitable donations from legal entities and individual enterpreneurs.; - crediting of funeral allowance; -upon receipt of the amounts of guaranteed compensation of a bank deposit (deposit)
28.	The cards BELCARD Savings, MasterCard Standard Savings, MasterCard Gold Savings are issued under the product "Depositary purse 2.0" for individula customers.
29.	The fee is not applicable to: - performance of payments using cards in the Section "Charity" of remote banking services systems into charitable accounts held with JSC Belagroprombank. - transfers of funds to accounts of group 36 for accounting of budgetary and other government funds (except for accounts 3632, 3633, 3634*), unless otherwise established by this Fee Guide;
30.	The transfer can be carried out by the card number or phone number of the recipient of the transfer. The fee is charged from the sender of the transfer (including when transferring funds from the virtual card "Unreal Card"). In cases when the currency of the card of the sender and / or recipient of the transfer differs from the Belarusian rubles, a currency exchange transaction is conducted (for the sender's card - at the rates of issuing bank of sender's card , for the recipient's card - at the rates of the bank issuing the card of the recipient of the transfer)
31.	The transfer can be carried out by the card number of the recipient of the transfer. The fee is charged from the sender of the transfer (including when transferring funds from the virtual card "Unreal Card"). In cases when the currency of the card of the sender and / or recipient of the transfer differs from the Belarusian rubles, a currency exchange transaction is conducted (for the sender's card - at the rates of issuing bank of sender's card , for the recipient's card - at the rates of the bank issuing the card of the recipient of the transfer). The transfer is not carried out from a Visa payment system card to a Mastercard payment system card issued by a non-resident bank of the Republic of Belarus.
32.	The service fee and the fee for issuing a card on a blank with an individual design is not applied for bank payment cards issued as part of the "Student Card" product.
33.	The fee for servicing Visa Platinum cards includes the fee for the right to receive additional services, including membership in the Priority Pass and Liungekey programs, Premium Card discount card.
34.	The fee for servicing Visa Infinite cards includes the fee for the right to receive additional services, including membership in the Priority Pass and LoungeKey programs, Premium Card discount card, the right to get legal assictance provided by Artzinger lawyer's bureau (only provided to cardholders of Visa Infinite primary cards), the right for free transfer to\|from Minsk-2 National Airport, the right of membership in the program "Car Assistance 116".
35	The amount of the account replenishment is equal to the amount of cash deposited into the ATM or self-service terminal, reduced by the amount of the transaction fee. The funds on the card are available on-line. Operations on the account are reflected during the banking day following the day of the transaction. The operation is not carried out using the details of credit cards and "Deposit Card" cards.
36	The fee is calculated from the amount credited to the account to which the card was issued.
37.	Monthly user fee for the service of World MasterCard "O-GO!" cards shall apply from April 2019.
38.	EXCLUDED
39.	For cash withdrawals using Visa Infinite bank payment vards: - the fee as per Cl. 18.1.4.1.1.2, 18.1.4.2.1 shall not apply; - the fee set by other banks may be charged for cash withdrawals outside the territory of the Republic of Belarus.
40.	The fee for issuing one card in the form of a PayRing payment ring is applied: - at a rate of 65% of the set value for Visa Platinum card holders; - at the rate of 50% of the set value to Visa Infinite card holders. For individuals who are simultaneously holders of Visa Infinite and Visa Platinum cards, the fee for issuing one card (primary or secondary) in the form of a PayRing payment ring is applied at a rate of 50% of the set value.
41.	Actual expenses of JSC Belagroprombank for consideration of the disputed transaction by the arbitration / compliance сommittee of the international payment system consist of: - payment for services of JSC Bank Processing Centre for preparation and transfer of documents to the international payment system (10% of the transaction amount, but not more than 240 BYN per transaction); - payment for the consideration of documents by the corresponding committee of the international payment system (the amount of payment is set by the committee on the results of the consideration of the situation and can be 500 USD or more for each transaction). Actual expenses of JSC Belagroprombank are charged to customers in Belarusian rubles. The fee may be charged in cash or by non-cash debiting of the amount from the current (settlement) bank account to which the bank payment card is issued (debiting of the fee from the account opened in foreign currency is carried out at the official exchange rate of the Belarusian ruble to the corresponding foreign currency established by the National Bank of the Republic of Belarus on the date of payment).
42.	The fee as per Clause 18.1.2.1. shall not be charged for the issue of one principal card: Visa Platinum - for individuals who have a valid fixed term irrevocable BYN deposit agreement with JSC Belagroprombank with maturity period of at least 370 days, signed after 01.06.2019, with a balance of at least 250 000 BYN; Visa Infinite - for individuals who have a valid fixed term irrevocable BYN deposit agreement with JSC Belagroprombank with maturity period of at least 370 days, signed after 01.06.2019, with a balance of at least 500 000 BYN.
43.	EXCLUDED
44.	EXCLUDED
45.	The fee is charged for support of each courier delivery irrespective of the number of cards included in the delivery. The fee is not charged for support of courier delivery if it includes Visa Platinum and (or) Visa Infinite cards.
46.	Upon application for the service "Support of courier delivery of bank payment cards, including those issued in the form of a pay ring, to the requested location", the fee for servicing, issue, reissue, express issue of a card, issue of a card with an individual design, issue of a card in the form of a pay ring, a one-time fee for the package is charged when applying for a card at JSC Belagroprombank branch offices.
47.	The fee is not charged in the following cases: - before a card is issued to a client (except for lost, stolen, damaged, blocked card due to the cardholder's fault, lost PIN-code, change of name);; - if the account is in the “Suspended” or “Stopped” status and funds were credited to it prior to the account suspension; - if the account has been credited with the amount of funds from the bank deposit and (or) interest on the bank deposit with JSC Belagroprombank in the amount not exceeding the size of the deposit and interest thereon; - all primary cards have expired, all cards are placed in an exception file and there is (are) no additional card (s) to the account (except for cases when the card is placed in an exception file due to loss, theft, damage through the holder's fault, loss of PIN-code, change of name, as well as following the actions to terminate obligations through debt forgiveness); - in case the fact of the card's failure has been confirmed (the relevant report has been submitted); - the card has been compomised; - issuance of funds from a fixed- term revocable bank deposit "Deposit card".
48.	The fee shall not apply for first time change of the PIN code that was received on paper (PIN envelope or self mailer).
49.	The fee shall not be charged: - upon issue of cards Masterсard Standard card-keyring, payment ring "PayRing", Visa Classic MINI "Drive"; - upon issue of cards, issued within the "Care" package; - upon issue of the additional card "Children's Card"; - if the client does not have a mobile phone number; - if the card is reissued due to its expiration.