Fee guide

Chapter IV uses the following notation:

«-» – no fee is charged;
«X» – the card is not serviced as part of the transaction.

All fees are given in Belarusian rubles. When debiting funds from an account, the fee is charged in the account currency and is calculated using the rates established by JSC Belagroprombank for transactions using bank payment cards at the time of debiting.

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.

п.18.1.1.1 - on the day of submitting an application for issuing a card;
when issued through remote sales channels, the fee is charged before receiving the card and PIN code on paper in the amount valid on the date of registration (order) of the card.
For legal entities - no later than the last working day of the month in the amount valid on the date the card was issued.

п.18.1.1.2.  -  before receiving the card in the amount valid on the date of registration (order) of the card.
п.18.1.2. - upon receipt of funds into the account, but no later than the last working day of the month.
A monthly subscription fee is charged for each active card from the month following the month the card was received.

When the card is reissued at a bank branch on the day the application is submitted.

When re-issuing a card through remote banking systems, remote sales channels, a fee is charged before receiving the card and PIN code on paper in the amount valid on the date of application.

The fee specified in Clause 18.1.1.1. is not applied:

• when issuing one additional Belcard Premium, or Visa Classic, or Mastercard Standard card to card holders issued as a part of the «Salary» (Comfort) package;
•  when issuing additional Belcard Premium «Children’s Card» and Visa Classic «Children’s Card» cards to card holders issued as part of the «Salary» (Alternative), (Comfort) packages;
•  when issuing one additional Belcard Premium, or Visa Classic, or Mastercard Standard card to card holders of the  package «Light»;
•  when issuing no more than two additional Belcard Premium, or Visa Classic, or Mastercard Standard, or Belcard Premium «Children’s Card«»cards to card holders of the  package «Medium»;
•  when issuing no more than two additional Belcard Premium cards or Visa Classic, or Mastercard Standard, or Visa Gold, Mastercard Gold or Belcard Premium «Children’s Card» cards to card holders of the package «Premium»;
•  when issuing one basic Visa Gold, if the card is issued at the same time as opening an account for the client and issuing of the PayRing payment ring;
•  when applying for a basic card in the Premium package within the «Salary» (VIP) and (Lux) packages.

The fee specified in Clause 18.1.1.1. is not applied to individuals on the day of conclusion of an agreement on a fixed-term irrevocable bank deposit with a storage period of at least 370 days (hereinafter referred to as the Agreement) at JSC Belagroprombank for issuing bank payment card in the corresponding currency of the Agreement (no more than one cards for one currency of the Agreement) if the individual does not have valid cards (on a physical medium) in the currency of the Agreement:

• Belcard Premium;
• Visa Classic or Mastercard Standard - when concluding an Agreement in an amount equivalent to at least 1,000 euros at the rate of the National Bank of the Republic of Belarus;
• Visa Gold or Mastercard Gold - upon concluding an Agreement in an amount equivalent to at least 30,000 euros at the rate of the National Bank of the Republic of Belarus;
• Visa Platinum, or Visa Infinite, or Mastercard World Black Edition within the package Premium - when concluding an Agreement in an amount equivalent to at least 250,000 euros at the rate of the National Bank of the Republic of Belarus.

The service fee for the package «Light» includes:

• SMS-informing service under package «M»;
• 30% discount on the SMS-informing service under the «XL» package;
• transfer of funds from card to card of  JSC Belagroprombank in on-line mode (Person-to-Person) in self-service devices and remote banking systems of JSC Belagroprombank, with the exception of transfers by phone number;
• issuance of no more than one Belcard Premium Card, or Visa Classic, or Mastercard Standard, or Belcard Premium «Children's Card» or Visa Classic  «Children's Card» without charging a fee for issuing the card;
• cash withdrawal in the amount of up to 300 BYN (inclusive) per month from ATMs of other banks (not bank partners) of the Republic of Belarus.

The Medium package service fee includes:

• SMS-informing service under the «L» package;
• 50% discount on the SMS-informing service under the «XL» package;
• transfer of funds from card to card of JSC Belagroprombank  in on-line mode (Person-to-Person) in self-service devices and remote banking systems of JSC Belagroprombank, with the exception of transfers by phone number;
• issuance of no more than two Belcard Premium, or Visa Classic, or Mastercard Standard, or Belcard Premium «Children's Card», or Visa Classic «Children's Card» cards Visa Classic «Children's Card» without charging a fee for issuing the card
• participation in the «My Bonus» loyalty program (for Belcard Premium card).
• cash withdrawal in the amount of up to 500 BYN (inclusive) per month from ATMs of other banks (not bank partners) of the Republic of Belarus.

The Premium package service fee includes:

• express card issuance within 2 banking days;
• SMS-informing service under the «XL» package;
• transfer of funds from card to card of JSC Belagroprombank  in on-line mode (Person-to-Person) in self-service devices and remote banking systems of JSC Belagroprombank , with the exception of transfers by phone number;
• cash withdrawal from ATMs on the territory of the Republic of Belarus;
• cash withdrawal from ATMs outside the Republic of Belarus without charging fees for Visa Infinite cards (fees from other banks may be charged);
• issuance of no more than two cards Belcard Premium, or Visa Classic, or Mastercard Standard, or Visa Gold, or Mastercard Gold, or Belcard Premium «Children's Card», or Visa Classic «Children's Card» cards without charging a fee for issuing the card
• participation in the «My Bonus» loyalty program (for Visa Infinite cards, Belcard Maximum);
• voluntary insurance of the card holder against accidents and illnesses during a trip abroad (a discount is provided on the card issuiance fee in the amount of the insurance cost under the insurance contract (calculations are made based on the oficial rates of the National Bank of the Republic of Belarus on the day the fee is charged). The discount is provided when concluding an insurance contract at the time of paying the service fee);
• Premium Card privilege card (for Visa Platinum and Visa Infinite cardholders);
• visiting luxury lounges: 20 visits per calendar year using a Visa Platinum card; unlimited number of visits per calendar year using a Visa Infinite card; 10 visits per calendar year for Mastercard World Black Edition. 1 visit to luxury lounges at the Republican Unitary Enterprise «National Airport Minsk» and 1 visit to luxury lounges either at airports abroad (including the Russian Federation) or at railway stations in the Russian Federation per calendar year for Belcard Maximum cards.

For cards Visa Infinite, issued before 06/01/2024.

For additional cards Visa Platinum, issued before 06/01/2024 as a part of packages «Salary» (Standart), (Special), (Alternative), (Comfort), the fee is not charged.

When issuing a card as part of salary services, the card issuance fee established for residents of the Republic of Belarus, excluding Mastercard World Black Edition card, is applied.

The Mastercard World Black Edition card service fee includes:

• issuing of no more than two additional Belcard Premium cards, or Visa Gold, or Mastercard Gold  without charging a fee for issuing the card.
• visiting luxury lounged: 10 visits per calendar year for Mastercard World Black Edition;
• transfer of funds from card to card of JSC Belagroprombank  in on-line mode (Person-to-Person) in self-service devices and remote banking systems of JSC Belagroprombank, with the exception of transfers by phone number.

Paid in addition to the fee specified in Clause 18.1.1., for issuing the selected card on a blank of a non-standard form factor or design (in this case, one card of a non-standard form factor or design is issued). The exception is a card in the form of a Payment Ring «PayRing» (in this case, only the fee is paid in accordance with clause 18.1.3.3.). The fee for individual design (Clause 18.1.3.3.) is not charged when issuing a Visa Classic «Children’s Card» card.

Cards of non-standard form factor or design are not issued to non-residents of the Republic of Belarus.

Card re-issue for a period not exceeding the current one is carried out only for the same type of card.

If it is necessary to re-issue a card for a new term/type of card, a new card is issued with a fee specified in Clause 18.1.1.

Virtual cards, Mastercard Unembossed «Touch» and Mastercard Gold «Touch» cards for a period not exceeding the current one are not reissued. If it is necessary to re-issue them (change of client data, compromise, etc.), a new card is issued with a fee specified in Clause 18.1.1.

If it is confirmed that the card has been compromised through no fault of the holder, or if it is confirmed that the card is faulty (a report has been drawn up), re-issue for a period not exceeding the current one is carried out at a bank branch without charging a fee.

Express card issuance is carried out only in a bank division and is provided to the client optionally (at the client’s choice) as an additional service when carrying out a transaction in accordance with Clause 18.1.1.1.

There is no fee for issuing cards in the «Premium» package.

The Visa Business Platinum card service fee includes:

• SMS-informing service under the «XL» package;
• visiting luxury lounges: 2 visits per calendar year as part of a special offer for the Visa Business Platinum card together with the Visa payment system. A fee for visits more than 2 times per calendar year is charged to the client.

 The fee is charged upon receipt of funds into the account, but no later than the last working day of the month.

A monthly subscription fee is charged for each active card from the month following the month the card was received.

As part of the «Salary» packages, only basic cards are issued.

The choice of a specific option from the «Salary» packages is provided to an individual within the framework of a concluded agreement for salary services with a legal entity (individual entrepreneur) – the employer of this individual.

Additional cards are issued under the conditions established by subsection 18.1. «Debit cards».

Cards not specified in subsection 18.3 are issued under the conditions established by subsection 18.1. «Debit cards» «Cards for residents of the Republic of Belarus».

Under the conditions established by subsection 18.1. «Debit cards» «Cards for residents of the Republic of Belarus» the following is carried out:

• issuing of cards within the «Salary» (Basic) package, grocery cards, as well as Belcard Premium cards within the «Salary» (Standard), (Special), (Alternative) and (Comfort) packages;
• servicing Visa Platinum, Visa Infinite cards issued from 06/01/2024 for accounts opened as part of the «Salary» packages;
• Under the conditions established by subsection 18.1. «Debit cards», re-issue for a period not exceeding the current one, express registration, registration of a card on a blank with an individual design is carried out.

As part of the «Salary» package (Alternative):

• monthly service fee for the SMS-informing  (package «XL») does not apply with the exception of Belcard Premium cards;
• issuing fee for the virtual card «Unreal Card» is included in the package;
• issuing fee for one additional card within the «Children's Card» product specification is not applied.

The «Salary» (Alternative) package is not provided to individual entrepreneurs.

The «Salary» (Comfort) package is provided to corporate clients who transmit payment instructions and (or) lists electronically using a remote banking system.

As part of the «Salary» (Comfort) package:

• issuing fee for additional cards within the «Children's Card» product specification is not applied;
• issuing fee for one additional Belcard Premium, Visa Classic or Mastercard Standard card is not applied.

Within the Salary (VIP) and Salary (Lux) packages, cards are issued in Medium and Premium packages..

The service under the Salary (VIP) and Salary (Lux) packages include:

• participation in the loyalty program «My Bonus» in accordance with the Rules of the loyalty program «My Bonus»;
• provision of an overdraft loan in accordance with the Table of interest rates of JSC Belagroprombank on loans to individuals.

• at ATMs:

• JSC Belagroprombank,  JSC «SSB Belarusbank»,
• JSC Belinvestbank, JSC Belgasprombank

• other banks²

• at cash advance offices:

• JSC Belagroprombank

• other banks

• RUE «Belpochta»

• at merchants within acquiring agreements concluded with:

• JSC «Belagroprombank», JSC «SSB Belarusbank»

• other banks 

• at ATMs³

• at cash advance offices

• Partner banks (JSC SSB Belarusbank, JSC Belinvestbank, JSC Belgazprombank)

• of other banks-acquirers (except JSC Belagroprombank and partner banks) 

• to the card issued by JSC Belagroprombank

• by card number

• by phone number

• to the card issued by the bank resident of the Republic of Belarus (exclusive of JSC Belagroprombank)

• to the card issued by non- bank resident of the Republic of Belarus

• Package «М» (messages about receipt transactions (with balance), refusals (incorrect PIN; limit of attempts, amount limit, insufficient funds, ban on e-commerce), card expiration date)

• Package «L» (messages about receipt transactions (with balance), refusals (incorrect PIN; limit of attempts, amount limit, insufficient funds, ban on e-commerce), about debit transactions (outside the Republic of Belarus, with a balance), about cancellation of transactions (outside the Republic of Belarus, with a balance), card expiration date)

• Package «XL» (messages about receipt transactions (with balance), refusals (incorrect PIN; limit of attempts, amount limit, insufficient funds, ban on e-commerce), about debit transactions (outside the Republic of Belarus, with a balance), about cancellation of transactions (outside the Republic of Belarus, with a balance), card expiration date)

• for appying to the international payment system 

• In case of necessity to inquire to the arbitration / compliance committee of the international payment system at the client's initiative

• at ATMs20 with a PIN code assigned by the card holder

• in remote banking systems with random PIN code generation

• in the division of JSC «»Belagroprombank«» with the generation of a random PIN code

• in Minsk city

• in other city

• Crediting of funds received from developer organizations, from other organizations as refund of previosuly paid all types of contibutions (shares, portions, etc.) payments under residential construcion agreements, under contracts for work performed for the construction (purchase) of housing, for the construction of utility networks, for payment of design estimates and design and survey work  

• Crediting of retirement benefits, scholarchip allowances, social benefits,  alimony, funds for delivered agricultural  produce without agreements with payers 

• Other transfers in case there are no agreements between JSC Belagroprombank and a remitter 

• for residents of the Republic of Belarus  

• for non-residents of the Republic of Belarus:  

• Russian rubles

• Belorussian rubles

• foreign currency excl. Russian rubles

• for payment of utility services and other services ⁶

• for construction  (purchase) of housing

• at ATMs: 

• JSC Belagroprombank,  JSC «SSB Belarusbank»,  JSC Belinvestbank, JSC Belgasprombank

• other banks²

• at cash advance offices:

• JSC Belagroprombank

• other banks 

• RUE «Belpochta»

• at merchants within acquiring agreements concluded with:

• JSC «Belagroprombank», JSC «SSB Belarusbank»

• other banks 

• at ATMs

• at cash advance offices

• for appying to the international payment system 

• in case of necessity to inquire to the arbitration / compliance committee of the international payment system at the client's initiative

• at ATMs²⁰ with a PIN code assigned by the card holder

• in remote banking systems with random PIN code generation

• in the division of JSC «Belagroprombank» with the generation of a random PIN code

• to the card issued by JSC Belagroprombank

• to the card issued by the bank resident of the Republic of Belarus (exclusive of JSC Belagroprombank)

• to the card issued by non -bank resident of the Republic of Belarus

The fee is charged to the sender of the transfer.

In cases when the currency of the card of the sender and/or recipient of the transfer is different from the Belarusian ruble, a currency exchange operation is carried out (for the sender's card - at the rates of the issuing bank of the transfer sender's card, for the card of the transfer recipient - at the rates of the issuing bank of the transfer recipient's card) .

When making a transfer using a card number, no fee is charged if the sender's card and the recipient's card were issued by JSC Belagroprombank for the same client.

When making transfers using the «Contracts» and «MoneyBox» functionality as part of the «FinTeam» service, no fee is charged

No fee is charged when making transfers in information kiosks, Internet banking and Mobile Internet banking of JSC Belagroprombank:

• from cards issued as part of the «Light», «Medium» and «Premium» packages;
• from cards issued as part of the «Care» package, Visa Gold, Mastercard Gold, Mastercard Gold «Motsnaya kartka», Mastercard Gold «Touch» cards, as well as Visa Platinum, Visa Infinite, Mastercard World Black Edition, issued not as part of the package.

No fee is charged when:

• making payments by cards in the «Charity» section of remote banking systems to charitable accounts opened at JSC Belagroprombank;
• making payments on basic accounts, incl. using cards;
• transferring funds to accounts of group 36 for accounting for budgetary and other government funds (except for accounts 3632*, 3633*, 3634*), unless otherwise established by this Fee Guide.

No fee is applied to:

• the «M» package for card holders issued as part of the «Light» package and holders of «Care» cards;
• the «L» package for holders of Visa Gold and Mastercard Gold cards, the «PayRing» payment ring, who activated the service before 06/01/2024, as well as cards issued as part of the «Medium» package;
• the «XL» package for holders of cards issued as part of the «Salary» (Alternative) package (except for Belcard and Belcard-Premium cards), for holders of Visa Platinum and Visa Infinite cards, as well as cards within the «Premium» package.

The fee of 50% is charged on the XL package for card holders issued under the Medium  package and holders of «Care» cards.

The fee is charged at 70% of  the «»XL«» package for cardholders of Visa Gold, Masterсard Gold, Masterсard Gold «Motsnaya kartka», Masterсard Gold «Touches», payment ring «PayRing», who activated the service before 06/01/2024, as well as for cards in the «Light» package.

The fee is charged regardless of the results of consideration of the application in the international payment system.

The actual costs of JSC Belagroprombank for consideration of a controversial transaction by the arbitration/compliance committee of the international payment system consist of:

• payment for services of JSC «Bank Processing Center» for the preparation and transmission of documents to the international payment system (10% of the transaction amount, but not more than 240 BYN per transaction);
• payment for consideration of documents by the relevant committee of the international payment system (the amount of payment is established by this committee based on the results of consideration of the situation and can be 500 USD or more for each operation).

Actual expenses of JSC Belagroprombank are billed to clients for payment in Belarusian rubles.

The fee can be collected in cash or by non-cash debiting of the amount from the current (settlement) bank account to which a bank payment card is issued (fees are debited from an account opened in foreign currency at the official exchange rate of the Belarusian ruble to the corresponding foreign currency, established by the National Bank Republic of Belarus on the day of payment).

The account replenishment amount is equal to the amount of cash deposited into the ATM or information kiosk, reduced by the amount of the transaction fee. Funds on the card are available on-line.

Account transactions 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» cards.

The fee is calculated based on the amount deposited into the self-service device.

The fee is charged for each delivery, regardless of the number of cards included in the delivery in addition to other fees (fees for issuinge, issuance, re-issuance, urgent issiance of a card, issuance of a card with an individual design, re-issuance of a card etc.).

There is no charge for delivery support if it includes Visa Platinum and (or) Visa Infinite, Mastercard World Black Edition, Belcard Maximum cards in the Premium package.

No fee is charged:

• when issuing MasterСard Standard Card-keyring cards, payment ring «PayRing»;
• when issuing «Care» cards;
• when issuing an additional card «Children’s Card»;
• if the client does not have a mobile phone number;
• when re-issuing a card due to expiration.

The fee does not apply if:

• crediting funds transferred from accounts of individuals opened with JSC Belagroprombank;
• crediting funds transferred from individual accounts (within one client) opened with other banks;
• carrying out operations to cancel the withdrawal of cash or payment for services (goods) in the event of technical malfunctions and failure situations;
• carrying out operations of canceling payment for goods by card in the event of a customer’s refusal to purchase, if the transaction was previously completed using this card and in other unforeseen cases;
• return of funds by the service provider for erroneous payments;
• crediting the loan (part of the loan) provided by JSC Belagroprombank in accordance with the Procedure for implementing the Program of Participation of JSC Belagroprombank in the development of agroecotourism in the Republic of Belarus;
• crediting a loan (part of a loan) under a loan agreement concluded between Belagroprombank JSC and an individual;
• crediting financial assistance provided to pensioners;
• crediting funds under an acquiring agreement (Internet acquiring agreement) concluded with the account owner;
• crediting funds to pay off debt to JSC Belagroprombank under a writ of execution, the claimant of which is JSC Belagroprombank;
• crediting charitable assistance received from legal entities and individual entrepreneurs;
• crediting funds received from budget accounts;
• crediting funeral benefits;
• crediting the amounts of guaranteed compensation of a bank deposit;
• crediting social payments, scholarships, wages and equivalent payments, and other payments (transfers) to the basic account.

The fee does not apply in the following cases:

• until the card is ready (transferred to the department) and there are no valid cards for the account: when opening an account and issuing a card, when replacing a card due to its validity period, when re-issuing a card in case of confirmation of a card malfunction (a report has been drawn up) or the card is compromised through no fault of the client;
• upon termination of the contract (at the initiative of the client (an application to close the account was accepted), at the initiative of JSC Belagroprombank);
• if the account has been credited with an amount of funds from a time bank deposit and (or) interest on a bank deposit of JSC Belagroprombank, in an amount not exceeding the amount of the deposit and interest on it;
• issuing funds from a fixed-term revocable bank deposit «Deposit card»;
• issuing funds from the base account.

The fee specified by Clause 19.2.2.1 applies upon issue:

• wages and equivalent payments;
• cash in an amount not exceeding the amount of cash (including interest) credited:
  • from a time bank deposit concluded with JSC Belagroprombank until 07/31/2022 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 does not apply when issuing funds from a fixed-term revocable bank deposit «Deposit Card».

The fee does not apply when transferring funds from basic accounts:

• to accounts opened for an individual (within one client) at JSC Belagroprombank;
• due to the closure of basic accounts, including as a result of operations of transferring a basic account, re-registration of a basic account into a current account.

The transfer is carried out according to the card number of the transfer recipient.

The fee is charged to the sender of the transfer.

In cases when the currency of the card of the sender and/or recipient of the transfer is different from the Belarusian ruble, a currency exchange operation is carried out (for the sender's card - at the rates of the issuing bank of the transfer sender's card, for the card of the transfer recipient - at the rates of the issuing bank of the transfer recipient's card) .

Transfers are 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.