Fee guide

18. Servicing of bank cards issued by JSC Belagroprombank

*

Chapter IV uses the following notation:
“-” – the fee is 0 (zero) Belarusian rubles;
“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.

18.1. Debit cards

Payment system

Account currency

Type of a card

Type of a fee

Payment due date

18.1.1. Card service fee

18.1.2. Monthly subscription fee

18.1.1.1.

When issuing a card in a bank department, through remote sales channels

18.1.1.2.

When issuing a card through remote banking systems

18.1.1.3.

When issuing a virtual card in a bank branch, through remote sales channels

Fee rate

Cards for residents of the Republic of Belarus

Basic account

Belcard

BYN

Belcard Premium

20 1

x

x

-

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.

Cards without packages

Belcard

BYN, USD, EUR, RUB

Belcard Premium

20 2

15

3

-

Mastercard

BYN, USD, EUR

Mastercard Unembossed "Touch"

21

21

x

-

BYN, USD, EUR, CNY

Mastercard Standard

40  2

35

x

-

BYN, USD, EUR, CNY

Mastercard Gold

80 2

70

3

-

BYN, USD, EUR

Mastercard Gold "Touch"

42

42

x

-

Visa

BYN, USD, EUR, RUB

Visa Classic

40 2

35

3

-

BYN, USD, EUR, RUB

Visa Gold

80 2

70

x

-

Packages

Package Light 3

BYN

Belcard Premium

-

-

x

2

BYN

Mastercard Standard
"Motsnaya kartka"

-

-

x

2

BYN

Visa Classic

-

-

x

2

Package Medium 4

BYN

Belcard Premium

-

-

x

3,99

BYN

Mastercard Gold

-

-

x

3,99

BYN

Visa Gold

-

-

x

3,99

Package Premium 5

BYN, USD, EUR, RUB

Visa Platinum

100 2

90

x

15 6

BYN, USD, EUR, RUB

Visa Infinite

500 2

450

x

30 6/ 50

BYN, USD, EUR, CYN

Mastercard World
Black Edition

15 2

10

x

10

Cards with additional options

Children's card

BYN

Belcard Premium
 "Children's card"

10 2

x

x

-

BYN

Visa Classic "Children's card"

20 2

x

x

-

Student card

BYN

Belcard Premium "Student card"

-

x

x

-

BYN

Mastercard Standard "Student card"

-

x

x

-

Pension card "Care"

BYN

Belcard Premium "Care"

-

-

x

-

Card "Drive"

BYN

Visa Classic "Drive"

-

-

x

2,5

Card "O-GO!"

BYN

Mastercard World "O-GO!"

-

-

x

2,5

Card"PerekrestОК"

BYN

Mastercard Standard "Motsnaya kartka" - PerekrestОК

-

-

x

2,5

Cards for non-residents of the Republic of Belarus

Cards without packages

Belcard

BYN, USD, EUR, RUB

Belcard Premium 7

100

100

20

-

Mastercard

BYN, USD, EUR, CNY

Mastercard Gold 7

250

250

20

-

BYN, USD, EUR, CNY

Mastercard World
Black Edition7

500

500

х

-

Visa

BYN, USD, EUR, RUB

Visa Gold7

250

х

х

-

18.1.3.

Card issue fee for non-standard form factor or design 8

18.1.3.1.

Payment ring "PayRing"

380 (VAT incl.)

On the day of submission of the application

18.1.3.2.

Keyring (only for Mastercard Standard)

20

On the day of submission of the application

18.1.3.3.

With individual design (for Belcard Premium, Mastercard Standard "Motsnaya kartka", Mastercard Gold,
 Visa Classic)

25

On the day of submission of the application

18.1.4.

Card reissue for a period not exceeding current one 9

20

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.

18.1.5.

Express card issue within 2 business days 10

25

On the day of submission of the application

Notes to Subsection 18.1.:

1

No fee is charged when issuing one Belcard Premium card to a basic account, as well as when it is reissued upon expiration, provided that there is no valid Belcard Premium "Care" card or Belcard Premium "Student Card" issued for this account.

2

The fee specified in Clause 18.1.1.1. is applied at a discount:
100% when issuing one additional Belcard Premium, or Visa Classic, or Mastercard Standard card to holders of cards issued as part of the “Salary” (Comfortable) package;
100% 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), (Comfortable) packages;
100% when issuing one additional Belcard Premium card, or Visa Classic, or Mastercard Standard for holders of the  package "Light";
100% when issuing no more than two additional Belcard Premium, or Visa Classic, or Mastercard Standard cards to holders of the  package "Medium";
100% when issuing no more than two additional Belcard Premium cards or Visa Classic, or Mastercard Standard, or Visa Gold, Mastercard Gold for holders of the package "Premium";
100% when issuing basic and additional Visa Gold cards to holders of the PayRing payment ring.

The fee specified in Clause 18.1.1.1. is not applied to individuals (who are not the holder of the specified card) 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 cards in the corresponding currency of the Agreement (no more than one cards for one 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 as part of 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.

3

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;
servicing of no more than one additional Belcard Premium, or Visa Classic, or Mastercard Standard card.

4

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;
servicing of no more than two additional Belcard Premium, or Visa Classic, or Mastercard Standard cards;
participation in the “My Bonus” loyalty program (for Belcard Premium card).

5

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);
servicing of no more than two additional cards Belcard Premium, or Visa Classic, or Mastercard Standard, or Visa Gold, or Mastercard Gold;
participation in the “My Bonus” loyalty program (for Visa Infinite cards);
voluntary insurance of the card holder against accidents and illnesses during a trip abroad (a discount is provided on the card service fee in the amount of the insurance cost under the insurance contract (calculations are made based on the 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;
participation in the Lounge Key program: 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.

6

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.

7

When issuing a card as part of salary services, the card issuance fee established for residents of the Republic of Belarus is applied.
The Mastercard World Black Edition card service fee includes:
servicing of no more than two additional Belcard Premium cards, or Visa Gold, or Mastercard Gold;
participation in the Lounge Key program: 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.

8

Paid in addition to the fee specified in Clause 18.1.1., with the exception of the issue of a card in the form of a Payment Ring “PayRing”. The fee for individual design (Clause 18.1.3.3.) is not charged when issuing a Visa Classic “Children’s Card” card.

9

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.

10

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.