Today, plastic bank cards have actually replaced paper money. This is understandable. A wallet full of money looks attractive to thieves. If suddenly this wallet was stolen or lost, then no one will return the paper money. Moreover, the thief can always use his prey with impunity. Another thing is a bank card. If it is lost or stolen, it can be blocked. It will be almost impossible to use such a card.

In addition, using a bank card it is convenient to pay for purchases in online stores, services and much more. And it is not only convenient, but also profitable. However, there are situations when you need to replenish the account of one card by making a transfer from another. In this case, there is a convenient option that many banks offer. It is called the transfer from card to card of the Renaissance Credit Bank.

Renaissance Credit Bank is no exception. Today, customers of this bank can always replenish their credit cards, instantly and without additional commission. All that is needed for this is access to the Internet from a mobile phone or from a computer. The procedure for the client in this case is very simple. You need to go to, and then follow the instructions on the main page. The whole procedure will take no more than two minutes, and the money will be credited to the card account instantly.

Terms and conditions of using the service

This service is convenient, primarily due to its simplicity and the ability to save money without spending it on commissions.

However, there are a number of conditions to be aware of:

• CB Renaissance Credit LLC customers can make instant money transfers from one card to another
• these can be cards that support MasterCard and Visa systems, issued directly by Renaissance Credit or other Russian issuing banks
• the transfer amount per day is limited to 300,000 rubles
• it is not allowed to make a transfer in the amount of more than 100,000 rubles at a time
• within a month, you can transfer no more than 600 thousand rubles to one card
• the bank imposes a commission on transactions related to the transfer of money between Renaissance credit cards and other banks
• the amount of the commission is set according to the tariffs of the bank through which the transfer is made (you can find out this amount directly on the bank's website)
• at the same time, there is no commission when transferring between accounts of different cards from Renaissance Credit
• the main transfer currency is Russian rubles
• if there is a transfer from a card that was issued in another currency, the bank takes a commission for the conversion
• the term for crediting money to the account can be up to 5 working days
• all card-to-card transfer operations are carried out using a technology that provides maximum protection - 3D Secure
• 3D Secure system involves entering a number, expiration date plastic card, as well as CVV / CVC code, and an SMS with a code to confirm the operation is sent to the client's mobile phone

Commissions

When transferring between different cards issued by Renaissance Credit, no commission is charged. However, if you need to transfer money to a card of another bank, then the official commission of the RKB itself will be from 0.95% of the transfer amount, but not less than 45 rubles.

At the same time, it should be taken into account that another bank can also charge a commission, and for sure it will charge it. Of course, all these amounts will make up the total amount of your "losses" for the operation. This does not contradict the rules of the bank, displayed in the public offer. Provides money transfer services from card to card PJSC Minbank.

True, there are situations when a person makes a transfer, and the money is stuck in the system. What to do then? In this case, you must urgently contact the support of the bank that issued this card.

Read also

Rosbank card 120 days - conditions, requirements, documents, pros and cons

However, if the transfer was delayed due to the fault of the sender, who indicated the wrong recipient's card number, then, unfortunately, it will be impossible to cancel the operation. This is prohibited by the rules. The only thing you can do is contact the owner of the card to which the money was spent. If the person is honest, then perhaps he will return the money.

How to make a transfer

On the official website of the RKB, the online mode allows you to make only two operations with bank cards:

• pay a loan to the current account of Renens by means of a card of any bank, including RKB
• make a transfer from card to card of any bank

To make a payment consumer credit card on the bank's website you need:

• open the main page on the Renaissance Bank website
• select the "Loans" section
• then you need a tab How to pay off a loan
• looking in the list available ways link “Pay with card”
• click on it, a new online translation window will open
• before entering your phone number
• then the details of the card on which you have a day (card number, expiration date, CVC / CVV code)
• then write the account number to which you have a loan in the RKB
• enter the transfer amount
• click "Pay"
• get a security code on your mobile phone
• click "Confirm"

The maximum transfer amount at a time is 100,000 rubles. The presence of a commission and the size of the commission will depend on the PJSC “MinBank”, oddly enough, but it is this bank that offers intermediary transfer services on the official website of Renaissance Credit Bank.

And how to make a transfer from card to card of Renaissance Credit Bank?

As a rule, this is a standard procedure and there are no difficulties in it:

• you need to open the main page on the Renaissance Bank website
• select the "Maps" section
• then go to the "How to top up" tab
• next section is needed "Transfer from card to card"
• you will need a Renaissance credit card number (these are 16 digits that are printed on the card)
• then in the form it is necessary to indicate the number of the person’s card to which the transfer will be made;
• amount of money to transfer
• now the sender must enter the validity period of the plastic card (you can find it under the card number)
• then turn the card over and indicate three numbers (CVC2 / CVV2)
• write how much money you need to transfer
• now it remains only to confirm the operation

You don't have to worry about the security of your information. As mentioned above, the security of money transfer is provided by 3D Secure technology. Each credit card is tied to a specific mobile phone number, and without entering a password from SMS, it will be impossible to transfer money.

The maximum transfer amount is 100,000 rubles!

How to withdraw cash from a card

Despite the fact that bank cards are a convenient tool for paying for goods and services, sometimes cash is also required. To do this, you need to make a cash withdrawal from the Renaissance Credit Bank credit card. In this case, it should be borne in mind that the bank will take a commission for the cashing out operation. And there is no way to reduce its size.

There are several ways to withdraw money from the card:

• you can go to the bank teller
• use an ATM
• You can also cash out at an ATM of another bank, however, the commission in this case can be significantly higher

How to withdraw money from a bank branch:

• come to the bank branch
• contact the operator
• present a bank card
• you will also need to name the code word
• name the amount you want to receive
• sign a bill of lading
• get cash

It is issued from July 22 if there is a deposit or when it is opened. From September, the card is issued without the obligatory opening of a deposit.

The card under the tariff plan TP-89 is not issued! Instead, when opening a deposit, a card with TP-189 was issued. From 04/05/2017 a card with TP-202 is issued

HELP is based on information from the forum (thanks to the users for the right questions, and to the PB for the competent answers) and from the tariff collections, namely:
- Commission rates of CB Renaissance Credit (LLC) for transactions with individuals from 01.06.2015 / 04.04.2016 / 11.10.2016 / 24.04.2017
- Tariffs for the provision and maintenance of bank cards of CB "Renaissance Credit" (LLC) from 18.03.2016. / 04/01/2017 (p. 88, TP-89)

Basic moments:
1) Annual service.
TP-89 and TP-189: free annual service;
TP-202: free, if the client spends at least 5,000 rubles on the card per month or keeps money on the card in the amount of 30,000 rubles or more. In other cases, the commission is 59 rubles per month, while if in one month the commission is accrued, and in the next one of the above conditions is met, then the commission for the next month is no longer charged. 99 rubles for issuing a card - charged one time, at the time of registration. To do this, it is enough for the client to deposit money to the card through the Bank's cash desk or terminal;
2) the validity period is 5 years. The card is blocked if:
- the card has not been activated by the client within 6 months from the date of issue of the card;
- the card was activated, but the client did not make any transactions using the card within 6 months, and the card balance is zero;
3) previously only one debit card was issued to one client. Now there is no such restriction. When registering, according to the client, a questionnaire is filled out: address and place of work, income, etc. The card may be refused. Lack of employment is not a 100% reason for rejection;
4) card with chip and paypass. For all TPs, an additional card can be issued with TP-202;
5) there are problems with changing the PIN in your own ATM. You can change it at a Rosbank ATM;
6) SMS 50 rubles/month The first month is free. Paid SMS informing can be connected regardless of whether you refused it when applying for a card or not. Moreover, in my case, it also connected to a credit card with previously disabled SMS. Disconnect on call hotline bank (sms about disconnection may not come). There is information about debit transactions via e-mail;
7) free reissue to a personal card (an application can be submitted through the form on the bank's website or during a call to the hotline to activate a non-personal card). An unnamed card is blocked after processing a request for reissue;
8)interest on card balance
For TP-89 and TP-189 from 01.10.15:
0 - 5000 -- 0%
5000,01 – 200000 -- 7%
200000.01 and more -- 1%

For TP-202:
7.25% on minimum balance Money on the Client's Account during the calendar month for which interest is accrued, for the entire calendar month. At the same time, the real number of calendar days in a year (365 or 366, respectively) is taken as the basis for calculating interest.

Interest on the card is calculated daily depending on the balance and is paid at the end of the month. You can see the accrual in IB in the list of operations or in the account statement (List of operations -> Show -> Get statement);
9) consumable deposit 6% (NSO 1000 rubles) with the possibility of transfers to IB from / to a card through a current account and the possibility of paying interest to a card (except for foreign currency deposits). Interest is paid on the date of conclusion of the deposit agreement.
In order to change the method of paying interest (capitalization / card account), you must contact the bank branch where the deposit was opened and fill out the appropriate application. If the deposit was opened in the Internet bank, the client can make an application for changing the method of paying interest at any Renaissance Credit office;
10) replenishment of the card without commission:
a) through the c2c service on the website of Renaissance Credit Bank (partner service of Sviaz-Bank):

*!!! From 10/11/16, replenishment through the service is paid: 0.95% of the amount, min 45 rubles.

You can read about some features of the service, and.
Within one day, you can make transfers to the card of CB "Renaissance Credit" (LLC) to total amount no more than 300,000 rubles. The maximum amount of one transfer is no more than 100,000 rubles. The maximum amount of transfers per month for one card is 600,000 rubles. Replenishment is possible only from cards that support 3D-Secure.
Crediting funds through с2с to MasterCard instantly, available immediately. It is necessary to take into account the commission of the issuing bank of the donor card (read about paid c2c). For example, at Sberbank, outgoing c2c from a debit card is free with the following limits:
for Visa Electron, Maestro - 30 tr. one operation, 50 tr. per day, for other Visa and MasterCard cards - 30 tr. one operation, 150 tr. per day. In fact, in one operation it was possible to pull out a little more than 30 tr.
Outgoing c2c from the Corn card without commission and limit of the amount;
b) through Eleksnet terminals in Renaissance branches. You can replenish the card by number or deposit by the number of the deposit account (according to reviews, there may be problems with this). It is better to replenish the current account or card account. Payments accepted before 17:00 Moscow time are credited on the same day, the rest in 1-2 business days. Remote replenishment through the Eleksnet wallet: through "Credits" by card number - an error, by card account number - with a commission, through "Deposits" by deposit account number or current account number - successfully and without commission. If the amount is less than the minimum replenishment amount specified in the deposit agreement, then the money will be transferred to the current account;
c) through the cash desks of bank branches. Top up your current account, then transfer to IB to a card/deposit. When replenishing an account through the cashier, money appears on the account on the day of deposit, and is available for use on the next. day (applies to weekdays Mon-Fri);
d) interbank. The term of enrollment is up to 3 working days. Top up the card account or current account with subsequent transfer to IB to the card/deposit. Funds become available the next day after the day of enrollment. To see the incoming interbank bank in IB (credited, but not yet available), on the main page, in the drop-down menu opposite the card number, select the list of card transactions, then click on the Show button, and then on the Get statement button - you will be able to see today's crediting on r / s. The deposit can be replenished directly by the interbank, in the statement, the replenishment will be displayed the next day. If the amount is less than the minimum replenishment amount specified in the deposit agreement, the transfer will be rejected. Read about free and cheap interbank;
e*) at the terminals of the Moscow Credit Bank. Limits: 40k per transaction / 80k per day. *Note: now with commission;
11) outgoing C2C through third-party services is impossible. UPD: possible up to 30,000 rubles / month.
Online transfers to VISA card or any MasterCard Russian bank are possible through IB Renaissance-Credit.
The maximum transfer amount is 15,000 rubles.
The transfer fee:
- at own expense - 1.5%, min. 30 rubles;
- at the expense of funds credit limit- 3.9%, min. 290 rubles.
12) max. the amount of cash withdrawal from the card is 500 tr. per day and 700 tr. per calendar month.
Withdrawal without commission:
a) at the cash desks of bank branches upon presentation of the card. If the terminal does not work, you can transfer funds from the card account to the current account and withdraw at the cash desk without commission. For amounts received by bank transfer to a card or current account, no deposit is required;
b) at bank ATMs (for TP-89 and TP-189 without commission within the amount specified in paragraph 12);
c) issuance of cash from a card account at ATMs and branches of other banks:
- for TP-89, two free withdrawals per calendar month at any ATM in the world. Further 1%, but not less than 100 r.
- for TP-189:
up to 25,000 rubles per month - not charged. Accounting for the number of withdrawals is carried out by the date of withdrawal;
from 25,000.01 rubles per month - 0.9% of the transaction amount, but not less than 90 rubles.
- for TP-202:
up to 25,000 rubles per calendar month - not charged;
from 25,000.01 rubles per month - 1% of the transaction amount, but not less than 100 rubles;
13) interbank transfers via IB so far free of charge (Clause 6.2.3 of the Commission Rates for Transactions with Individuals dated 06/01/15). From 04/04/2016 - 30 rubles. for a payment.
From 04/24/2017, in accordance with clause 6.2.3.1.1 "Transfer of own funds to own accounts opened with other banks", no commission is charged for transferring own funds through IB to own accounts opened with other banks
Interbank for payments formed before 14:00 Moscow time leaves on the same day by the third flight. If after 14:00 Moscow time, then the next working day by the third flight. Limit 100 tr. for one operation and 300 tr. for one business day, there is no minimum limit, no monthly limit (limits are common for interbank and intrabank). You can cancel a transfer that is in the "Processing" status through the information center.
It is not allowed to replenish the card in another bank through the consolidated account 40817, if the bank is indicated as the recipient, and the data for crediting is written in the payment purpose.
Transfers to non-profit organizations (to accounts 40703) via IB are not possible. To make such a transfer, you must fill out an application at the office;
14) all operations between the card and the deposit are carried out through the current account. Intrabank transfers are free, are carried out from Monday to Saturday from 9:00 to 22:00 Moscow time. Those. funds sent, for example, at 7 am from a deposit to a current account, will arrive after 09:00 Moscow time. Limit 100 tr. for one operation and 300 tr. for one business day. There are no limits on transactions between your accounts;
15) the card participates in the bonus program "Simple Joys";
16) conversion at the rate of the Central Bank + 1%;
17) Internet bank. By default, informational access is connected, in order for translations to become available, you must write an application for the provision operational access. It is possible to open/close deposits and current accounts online. To obtain documentary confirmation of opening a deposit through the IB, you need to contact any branch of the bank, and a copy of the agreement certified by the manager will be issued.
When replacing a SIM card (if the operator cellular communication provides the bank with relevant information), IMSI rebinding is required, otherwise external transfers in IB become unavailable. To do this, you can contact the PB, access will be restored within 24 hours;
18) mobile bank for android and iOS:

19) in case of non-cash receipt of funds, a deposit of 30 days is required to withdraw them from the deposit through the cash desk. Otherwise, the commission is 3%, but not less than 500 rubles. This, of course, does not apply to withdrawal from the card. If the funds were deposited from the current account, the time spent on the current account is taken into account in the total 30-day deposit period;
20) limits on the card for cash withdrawals, purchases in stores and on the Internet in IB are not set.

Expected in the future (according to the bank representative on the website):
1) mobile app in December-January;
2) changes in the bonus program in the fall in terms of increasing the number of partners and ways to implement bonuses;
3) own c2c service (now a partner service through the Bank of Moscow) - 2016;
4) remote channel for distribution of debit cards - in autumn;
5) by autumn issuance of debit cards without opening a deposit;
6) issue additional. cards - indefinite period;
7) currency accounts in IB - this year;
8) round-the-clock daily intrabank;
9) list of mcc, for which bonuses are not accrued;
10) issue of VISA cards.

Bonus program "Simple joys":
1) connects automatically (the program does not work for cards with TP-189);
2) 1% return with bonuses for card purchases, increased return from 5% for monthly categories and up to 20% for purchases from partners. The standard 1% return is unlimited. Bonuses are accrued after the operation is confirmed by the authorization date (for example, for a purchase on August 31, increased bonuses will be credited in early September for the August bonus category. Often, manual additional accrual of increased bonuses through PB for purchases in the last days of the month is required). Terms of monthly promotions;
3) spending bonuses occurs by compensating for the cost of purchases in certain categories (change every month). 1 bonus = 1 ruble. The minimum amount for conversion is 300 bonuses;
4) bonus account common for all contracts. Those. if there is a credit card and a debit card, then bonuses are credited to one account. If a bonus program already connected to one of the cards, then when you receive another, you do not need to reconnect;
6) transactions of payment through ATMs and IB are not bonused;
7) when the card is reissued, the points are saved;
8) the bonus account is displayed in IB;
9) bonuses are not awarded for:
- casinos, sweepstakes and other gambling establishments (MCC 6529, 6530, 7995);
-purchase of traveler's checks, lottery tickets, valuable papers and precious metals (MCC 5094, 6211, 9754, 9223);
-in favor of insurance companies and mutual funds (MCC 6300, 5960);
- in favor of pawnshops (MCC 5933);
- payment for public services - fines, fees, etc. (MSS 9399, 9222);
- replenishment of electronic wallets and purchase of prepaid cards (MCC 6050, 6051);
- receipt of cash (MCC 6010, 6011);
- transfer of funds to accounts in other banks or transactions with financial institutions (MCC 6012, 6532-6538, 4829, 6540);
-carrying out prepaid and regular payments in favor of telecom operators (MCC 4814);
- payment for goods and services in trade and service enterprises that cannot be unambiguously classified according to their type of activity, as well as in enterprises providing highly specialized services (MCC 5999, 8999, 7399);
10) validity of bonuses - 6 months from the date of accrual.

Agreement on the conditions for the provision of PJSC "MINBank" services for the execution of Orders using the Internet resource of LLC "IPT" (Public offer)

1. Terms and definitions used in this agreement

In this document, the following capitalized terms will have the following meanings:

Authorization- the procedure for requesting and receiving by the Bank a response to such a request in the form of permission or prohibition to conduct a transaction using the Card or its details from the Bank issuing the Card or from the Payment System.
Bank– Public joint-stock company"Moscow Industrial Bank", abbreviated name - PJSC "MINBank".
Partner bank – Commercial Bank"Renaissance Credit" (Limited Liability Company).
Issuing bank– a credit institution issuing the Card.
Order currency- Russian rubles.
Card owner– an individual in whose name the Bank or Third party bank Card issued.
Treaty– Agreement on the conditions for the provision by PJSC “MINBank” of the service for executing Orders using the Internet resource of LLC “IPT”, concluded by joining the Cardholder to the agreement, the terms of which are set forth in this document and on-screen forms.
Identification– a procedure for additional verification by the Bank of the Client and the Sender's Card, carried out in order to reduce the risks of a fraudulent operation on the Sender's Card using the 3Dsecure Technology and using the CVC2/CVV2 Code Technology.
Interface– software and hardware complex of the Partner Bank that ensures interaction between the Partner Bank and the client of the Partner Bank, including the website of the Partner Bank (including Personal Area Client), mobile application.
Internet resource of the Operator- a set of Operator's software, including software installed on tablet computers, mobile phones and other mobile devices that support the installation of the Operator's software and allow the Cardholder to generate and send Orders to the Bank for execution. Access to the Operator's Internet resource is carried out through the Interface.
Map– a bank card of the Payment System issued by the Bank or a Third Party Bank.
Sender card– Card, from the Account of which funds are debited for the execution of the Order.
Client- an individual - the Sender's Card Holder, who has acceded to the terms of the Agreement.
Commission– the amount calculated in the Order Currency and payable by the Client to the Bank for the execution of the Order. The commission is calculated by the Bank and brought to the attention of the Sender's Cardholder after specifying the parameters of the Order until the moment of Joining the Agreement.
Operator– Limited Liability Company “Innovative Payment Technologies” (TIN 7722849318).
Payment system– international payment system Visa International, MasterCard Worldwide and MIR payment system.
Disposition– an electronic document generated by the Client through the Operator’s Internet resource, containing the Client’s instruction to the Bank to transfer funds from the Sender’s Card to the correspondent account of the Partner Bank and / or to the beneficiary’s account opened with the Partner Bank in the territory Russian Federation, signed by the Client using an analogue of a handwritten signature (CVV2/CVC2 and (or) a password obtained using 3D Secure Technology), having equal legal force with settlement documents on paper, signed by the Client's handwritten signature.
Accession to the Treaty– performance by the Sender's Card Holder of the actions specified in this Agreement, aimed at the formation of the Order and confirmation of consent to conclude the Agreement.
RF- Russian Federation.
Third party bank– Issuing bank registered in the territory of the Russian Federation, which is the issuer of the Card, with the exception of the Partner Bank.
Parties– Bank, Operator and Client.
Transfer amount– the amount of funds in the Order Currency indicated by the Client in the Order.
Check– a current account opened for the Client by the Bank or a Third Party Bank to reflect transactions made using the Card or its details that are not related to business activities.
CVV2/CVC2 code technology– one of the methods of Identification carried out by the Bank as follows:
The Bank asks the Client for the CVC2 or CVV2 security code (a special code located on the reverse side of the Card), which the Client must indicate in the appropriate column of the screen form of the Operator's Internet resource, along with entering other parameters of the Order;
- The Bank, by means of Authorization, sends the received code for verification to the Issuing Bank;
- if, as a result of the Authorization, the Bank has received a ban on carrying out a transaction with the Card, including if the requested CVC2/CVV2 security code is not entered or is entered incorrectly, the Bank has the right to refuse to execute the Order for the Client.
3D Secure Technology- a technology that is part of the programs of the international payment systems Visa - Verified by Visa and MasterCard - MasterCard®SecureCodeTM and the payment system MIR - MirAccept, which allows you to uniquely identify the Client making a transaction on the Internet by the Bank - issuer of the Sender's Card in a manner determined by such a bank, and reduce the risk of fraud by protecting your bank card from unauthorized use.
Screen Forms– information presented in the Interface and containing information about the parameters of the Transfer, including the amount of the Transfer, the amount of the Bank's commission, information about the Recipient of funds, etc.

2. General provisions

2.1. This Agreement is the Bank's offer (public offer) to the Clients to conclude the Agreement.

2.2. The Agreement is valid in relation to one specific Order and comes into force from the moment of Accession to the Agreement.

2.3. The fact of accession to the Agreement is considered to be the selection of the option "I agree with the terms of the Agreement" and / or pressing the "Pay" button or similar options indicating acceptance of the terms of the Agreement or the payment, depending on the screen form used.

2.4. The fact of the Client's accession to the Agreement is recorded by the Operator in electronic form and stored in the Operator's hardware and software complex. Extracts from the Operator's hardware and software complex may be used as evidence in the consideration of disputes, including in court.

3. Subject of the contract

3.1. The subject of the Agreement is the implementation of the following actions:
- providing the Client with the opportunity to transfer funds from the Card to the beneficiary's bank account using the Operator's Interface and Internet resource - individual;
- implementation by the Bank of settlements for the transfer of funds.

3.2. The Operator generates a check in the form of an electronic document with the details of the Order specified in it, confirming acceptance for execution. An electronic receipt is additionally sent to the Client's e-mail specified when the Order was generated. The client must ensure the storage of the electronic check until the transfer amount is received according to the details specified in the electronic check.

4. Conditions for the formation of the Order and the procedure for execution of the Orders

4.1. The Bank makes settlements for the transfer of funds in accordance with the terms of this Agreement, the requirements of the current legislation of the Russian Federation and the rules of the Payment Systems, on the basis of the Order formed in the manner prescribed by Appendix No. 1 to the Agreement, and subject to the following conditions:

4.1.1. The Bank and the Operator have the technical capability to execute the Order;

4.1.2. Successful completion of the Identification by the Client, if it is requested by the Bank and/or the Operator;

4.1.3. The Bank has permission to conduct a transaction with the Sender's Card, obtained as a result of Authorization;

4.1.4. Evidence of the Client's right to dispose of funds, as well as the right to use the Sender's Card by the Client, carried out through 3 D Secure Technology and CVV2/CVC2 Technology.

4.1.5. The presence on the Sender's Card of a sufficient amount for the execution of the Order, and payment of the Commission, in accordance with the terms of this Agreement. At the same time, the control of the sufficiency of funds on the Sender's Card is carried out by means of Authorization;

4.1.6. Absence of direct prohibitions on the execution of the Order provided for by this Agreement and the agreement on the basis of which the Sender's Card was issued.

4.2. The Bank and/or the Operator has the right to refuse to execute the Order for the Client if the conditions specified in clauses 4.1 and 4.3 of the Agreement are not met, as well as if the parameters of the Order specified by the Client do not comply with the restrictions established by the Bank and/or the Operator:

4.2.1. Restrictions on types of Sender's Cards:
- Sender cards issued by the Bank to the current account legal entity;
- other types of cards, prohibition or restriction on conducting transactions, for which are established by the Bank-Issuer and/or Payment system and / or the legislation of the Russian Federation.

4.2.2. Restrictions on Transfer Amount:
- maximum Amount one transfer of the Client is 100,000 (one hundred thousand) Russian rubles or their equivalent in US dollars / euros, including the Commission.
- the maximum Amount of the Client's transfers made within a calendar day using one Sender's Card is 300,000 (three hundred thousand) Russian rubles or their equivalent in US dollars / euros, including the Commission.
- the maximum Amount of the Client's transfers made within a calendar month using one Sender's Card is 600,000 (six hundred thousand) Russian rubles or their equivalent in US dollars / euros, including the Commission.

4.3. The Bank or the Operator has the right to refuse to execute the Order to the Client unilaterally and without giving reasons, if the Bank or the Operator has suspicions that the operation is carried out in violation of the requirements of the legislation of the Russian Federation, the rules of Payment systems or is fraudulent, as well as in the event that if, as a result of the implementation of internal control rules in order to counteract the legalization (laundering) of proceeds from crime and the financing of terrorism, the Bank's employees have suspicions that the Client's operation is carried out for the purpose of legalization (laundering) of proceeds from crime or the financing of terrorism.

4.4. For the execution of the Order, the Bank charges a Commission from the Client. The Commission is calculated from the Transfer Amount and is included in the total amount of the authorization request made on the Sender's Card. The Commission for the execution of the Order, charged by the Bank from the Client, is not included in the Transfer Amount and does not reduce it. Information on the amount of the Commission is provided to the Cardholder prior to Joining the Agreement by displaying information on the screen form in the Interface.

4.5. If the currency of the Sender's Card Account and/or the recipient's account is different from the Order Currency, the conversion of the Transfer Amount and the Commission included in the authorization request into the currency of the Card Account shall be carried out by the Bank-Issuer of such Card in accordance with the rules and conditions established by such Bank-Issuer. If the Bank-Issuer of the Card is the Bank, the conversion of the Transfer Amount and the Commission into the currency of the Card Account is carried out by the Bank at the Bank's Exchange Rate on the date of crediting to the recipient's account/debiting from the sender's Card Account.

4.6. The Bank informs the Client about acceptance of the Order for execution or refusal to execute by displaying a message with the result of acceptance for execution of the Order on the screen form of the Operator's Internet resource.

4.7. The Order is executed within the terms established by the current legislation of the Russian Federation.

4.8. Notification of the Client about the execution of the Order is carried out by the Bank-Issuer of the Card in accordance with the procedure established by such Bank-Issuer. If the Bank-Issuer of the Card is the Bank, the notification of the Client about the execution of the Order is carried out in accordance with the Rules for using the bank card of issue of PJSC "MinBank".

4.9. The Bank shall not be liable in cases where funds were credited to the beneficiary's account by a Third Party Bank in violation of the deadlines and other requirements established by the rules of the Payment Systems, the Agreement and the legislation of the Russian Federation.

4.10. The Bank shall not be liable for errors made by the Client when forming the Order, which led to the transfer of an incorrect Amount.

4.11. The sender's card holder has the opportunity to refuse the transfer of funds at any time before joining the Agreement.

4.12. The Sender's Card Holder has the opportunity to revoke the Order by notifying the Issuing Bank in accordance with the procedure established by such Issuing Bank. If the Bank-Issuer is the Bank, the Holder of the Sender's Card may revoke the Order by submitting an oral application to the Bank's Information and Service Service at tel. 88001007474 (for calls from other regions of Russia) or 8 495 74 000 74 (for Moscow). Revocation of the Order is possible until the funds are debited from the Cardholder's account. The commission in case of cancellation of the Order at the initiative of the Client by the Bank is not returned.

5. Rights and obligations of the Parties

5.1. The Bank and/or the Operator has the right to require the Client to strictly comply with the terms of the Agreement.

5.2. The Bank undertakes:

5.2.1. Execute the Order to the extent and within the terms established by the Agreement.

5.2.2. Keep banking secrecy on the Client's transactions made with the use of the Cards and information about the Client. Information on transactions using the Cards and about the Client may be provided by the Bank to third parties in cases stipulated by the legislation of the Russian Federation.

5.2.3. Consider claims of Clients on executed Orders in the manner and within the time limits established by the legislation of the Russian Federation.

5.2.4. The Bank has the right to refuse to cancel an Order previously submitted by the Client if, in the course of execution of this Order, the Bank has already taken actions that make it impossible to cancel the Order or entail costs that the Client refuses to reimburse to the Bank.

5.3. The client has the right:

5.3.1. Send a claim to the Operator regarding the quality of the Operator's Internet resource.

5.3.2. Send a claim to the Bank related to the fulfillment by the Bank of its obligations under the Agreement. The claim to the Bank is made in the form of a written application signed by the Client's own signature with an electronic check attached, generated in accordance with clause 3.2. of the Agreement, as well as a document proving the identity of the Client, and submitted to any division of the Bank.

5.4. The client undertakes:

5.4.1. Not to carry out transactions using the Cards related to entrepreneurial activities or private practice.

5.4.2. To get acquainted with the terms of the Agreement and the amount of the Commission in a timely manner and in full before the moment of Accession to the Agreement.

6. Dispute resolution

6.1. The Agreement is governed by and interpreted in accordance with the laws of the Russian Federation.

6.2. All questions, disagreements or claims arising from the Agreement or in connection with it shall be settled by the Parties through negotiations. In the absence of consent, disputes and disagreements under the Agreement are subject to consideration in accordance with the Civil Procedure Code of the Russian Federation.

7. Tariffs of the Bank for the provision of the Service using the Operator's Internet resource.

Having started its main activity in 2003, Renaissance Credit has earned a fairly stable niche in the list of the top 100 banks in the Russian Federation. Now this financial institution has partners and clients in 68 regions of Russia. Nearly 9 million people are considered regular customers of Renaissance Credit. More than 150 representative offices of this bank operate in different parts of the country.

affiliate program

Although interbank relationships become more popular over time, Renaissance Credit does not consider it necessary to acquire such partners. Instead, its representatives turned their attention to trade brands:

• Euroset.
• Svyaznoy.
• Delta.
• M-Video, etc.

Such a partnership provides certain advantages, for example, the transfer of funds or replenishment of the account without commission. With the withdrawal of money, the situation is more complicated, since not a single bank cooperates with Renaissance Credit. This financial company also takes a commission for servicing self-issued loans.

Tariffs and restrictions

Since Renaissance Credit has no partners among credit institutions, its tariffs are as simple as possible, sometimes limited. The classic "set" from this company includes:

1. Free replenishment of cards in all terminals, with the condition of changing the balance during the day.
2. Free issuance of money from debit cards, regardless of which bank the terminal belongs to.
3. All transfers from card to card for 0.95% (but not less than 45 rubles) of the amount.
4. Registration and servicing of Master Card credit cards in two categories: "Transparent" and "Express". Withdrawing money will cost 2.9% of the amount and 290 rubles additionally as a fee for the operation.
5. Credit card limit per day - 500,000, per month - 700,000 rubles.

The grace period remains active until the borrower decides to cash out the available funds. As soon as you made a transaction at the ATM, it stopped.

So, withdrawing cash from the Renaissance Credit card is fraught with certain difficulties. But in order not to find yourself in an extremely unpleasant situation with a loan, you also need to know how to replenish a credit account with this bank.

Account replenishment methods

Payment method	Commission	Timing
Terminals in Renaissance Credit branches	Not	Day
Transfer from card to card	0.95% of the transfer amount, but not less than 45 rubles. When transferring from another account financial organization local translation conditions must be taken into account.	Immediately
Eleksnet	Up to 1.98% of the amount (at least 30 rubles)	During the working day (payments accepted before 17:00 Moscow time from Monday to Friday)
QIWI	1.6%, not less than 100 rubles.	1-2 working days
Euroset	1%, not less than 50 rubles.	1-2 working days
Accounting at the place of employment	By decision of the employer	By decision of the employer
Transfer from the Internet bank of any other bank	According to the rates of the sending bank	3 working days
Post office	Not	5 working days

Whichever payment method you choose, be sure to keep all receipts and checks until the debt is paid, in order to avoid disputes with Renaissance Credit. Although this bank has not yet established cooperation with other financial enterprises, it actively communicates with well-known trade brands.

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