[{"query":"How do clients benefit from Alfa-Bank cash clearing?","response":"Clients gain solid benefits through the features and advantages available in Alfa-Bank\u2019s cash clearing and linked services."},{"query":"Margin trading for indices","response":"Yes, indices are part of the wide range of assets for margin trading."},{"query":"What happens to my data if you transfer it","response":"If we transfer your personal data with your consent, the receiving party must follow legally mandated data processing rules, confidentiality, and security standards."},{"query":"Alfa-Bank sustainability strategy","response":"Alfa-Bank's sustainability strategy is centered around effective ESG management, which involves helping society, caring for nature, developing customer service, supporting employees, and fostering a healthy corporate environment."},{"query":"How does a debit card handle money?","response":"A debit card contains your own money on it, allowing you to withdraw cash, transfer funds, or make payments directly from the card."},{"query":"Do you process biometric data for identity verification?","response":"Yes, biometric data such as facial or voice recognition may be used for identity verification purposes as part of our security measures."},{"query":"Plastic waste reduction methods","response":"Alfa-Bank reduces plastic waste by using remelted plastic cards and plant-based materials for new products."},{"query":"Can I receive my salary via a debit card?","response":"Yes, your Alfa-Bank debit card can be used to receive salary, pensions, or government benefits."},{"query":"Free document","response":"All credit card certificates and statements are available for free."},{"query":"What if I repay my loan on day 1? Is the full repayment just the loan amount?","response":"No. Even a full repayment on the first day includes interest charged from the disbursement date, making the total repayment higher than the initial loan principal."},{"query":"How is overdraft limit applied for payments?","response":"Clients\u2019 payments are settled immediately during the day using the account balance and available overdraft limit."},{"query":"Are there other currencies besides CNY?","response":"The listed currencies for structured products are CNY\/RUR; no other currencies are specified."},{"query":"Why aren\u2019t miles earned for purchases over 50,000 RUB?","response":"For Standard, Gold, Platinum, and non-premium World debit cards, no miles are credited for amounts exceeding 50,000 RUB. Only the first 50,000 RUB counts toward mileage."},{"query":"iOS 12 works with Alfa-Bank app?","response":"Yes, the app is compatible with iOS version 9 or higher, so iOS 12 is supported."},{"query":"Can I use International Corporate Business Card abroad","response":"Yes, International Corporate Business Cards are designed to help manage corporate expenses globally."},{"query":"What benefits do employees get at Alfa-Bank?","response":"Employees receive a comfortable office with meeting rooms, relaxation zones, gym, coffee points, cafeteria, expanded health insurance program, partner exemptions, special offers, and access to Alfa-Academy for training."},{"query":"Early repayment conditions?","response":"You cannot apply for early repayment in the final month of the repayment schedule or on the payment due date."},{"query":"No service fee after closure","response":"Correct, closing the card stops any future service fee charges related to it."},{"query":"Do your services include closing private placement deals?","response":"Yes, we handle settlements between parties and close transactions after all steps are complete."},{"query":"no money after funds return. can i still get overdraft fee?","response":"Yes, if the funds are returned due to delayed transaction confirmation but then confirmed later, and your account lacks sufficient money at that moment, an overdraft is charged."},{"query":"Does the Bank of Russia influence debt rules for Loans?","response":"Yes, Decisions of the Bank of Russia Board of Directors and official clarifications from the Bank of Russia form part of the legal framework governing debt under Loans and LPNs."},{"query":"how to fill risk declaration","response":"The Risk Declaration is a standard document required for investment structured products; no further instructions are specified here."},{"query":"mir card stopped working in armenia","response":"Foreign bank policies may impact Mir card acceptance. Withdraw cash in advance from an ATM to avoid issues."},{"query":"Can I use my card for taxis?","response":"Yes, you can link your card to ride-hailing apps like taxis. Once linked, payments will go through automatically."},{"query":"Efficiency vs. generic solutions","response":"Alfa-Bank emphasizes customer demands over generic approaches in its efficiency framework."},{"query":"Grace period reset","response":"The grace period resets during the day after you fully repay your credit card debt. Check your app or Alfa-Online for confirmation."},{"query":"Why was my payment declined even with overdraft?","response":"Unpaid overdrafts are converted into loans. If the loan is not repaid promptly, subsequent payments may be blocked."},{"query":"Card for salary deposits?","response":"Yes, your Alfa-Bank debit card can be used to receive salary, pensions, or government benefits."},{"query":"How do you support clients post-IPO closing?","response":"We offer post-closing support, including settlement execution and ongoing market participation management."},{"query":"Will I be charged for closing my credit card?","response":"No, closing your card stops further service fees. You will not incur any charges once the closure process is initiated."},{"query":"Corporate finance services","response":"Alfa-Bank offers advisory services in mergers and acquisitions, corporate finance, and equity capital markets."},{"query":"trade-related partnerships","response":"Alfa-Bank is linked to the Russian Trading System (RTS) and National Foreign Exchange Association (NFEA) for trade purposes."},{"query":"What if I need a card fast?","response":"Ordering online allows you to start using the card for transfers and online purchases the same day, with the physical card arriving within a few days."},{"query":"cashback not appearing","response":"Confirm you followed the offer rules (e.g., no VPN) and that the partner hasn\u2019t set a purchase cap. Cashback is credited on the 10th."},{"query":"can non-residents of the russian federation participate in the authorized share capital of the company applying for the lease?","response":"Yes, participation of non-residents of the Russian Federation in the authorized share capital is allowed up to 49%."},{"query":"MIR system available in the app","response":"Yes, the national \u201cMIR\u201d payment system is available for use in Alfa-Mobile banking."},{"query":"Submit privacy violation report","response":"File a report through the bank\u2019s website feedback form, clearly stating \"Privacy Policy\" as the subject."},{"query":"can i get a physical card after having a digital one?","response":"No, if you already have a digital card, you cannot request a physical version of it. You\u2019ll need to order a new card separately to receive a physical copy."},{"query":"close credit card process","response":"Send a request through the app Chat or call the Call Center to close your credit card. The process is instant."},{"query":"Tracking my bank card delivery","response":"Track your card in the mobile app or use the link from your SMS or push notification."},{"query":"free card required","response":"If you don\u2019t have an Alfa-Card, we\u2019ll issue a free debit card for you with the loan amount credited."},{"query":"delivery of new credit card","response":"The physical card is delivered to your specified branch or via courier after bank approval."},{"query":"real time payments across regions?","response":"Yes, Alfa-Bank supports real-time cross-regional payments through its branch and correspondent network."},{"query":"What is the third document needed?","response":"The third document is the Application for accession."},{"query":"Can I get a list of needed documents?","response":"Yes\u2014the Agreement, Risk declaration, and Application for accession are required."},{"query":"Office address needed","response":"The office address for Alfa-Bank is 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"Alfa-Bank part of Visa?","response":"Yes, Alfa-Bank is a member of Visa International Service Association."},{"query":"how long has alfa bank supported life line fund?","response":"Alfa Bank has supported Life Line Fund's initiatives for seriously ill children over 17 years."},{"query":"Transfer to bookmaker. Is that a quasi-cash?","response":"Yes, sending money to bookmakers is considered a quasi-cash transaction and may incur a charge."},{"query":"Alfa-Bank and charity","response":"Alfa-Bank collaborates with charitable foundations, allocates educational grants, and promotes animal welfare through initiatives like Alfa Chance, Life Line Fund, and Alfa-Friend."},{"query":"What are the rewards in the Quality Seal competition?","response":"The Quality Seal program includes annual competitions with gifts from the bank for businesses that follow best practices."},{"query":"Do stateless residents need additional documents?","response":"No, the sole requirement is a valid residence permit in the Russian Federation."},{"query":"Mir payment system?","response":"We issue Mir cards. You can check which one is available to you in the mobile app, Alfa-Online, or on the website."},{"query":"How to start business in Russia","response":"We facilitate company registration with the Russian Tax Authority from afar. We manage all document submission and certification for your company."},{"query":"New cash loan now?","response":"If your last cash loan has been issued, you can apply for a new one right away. There are no limits on how many times you can borrow."},{"query":"Not available","response":"If the option isn't available, check your app and online banking for the 'Get certificate or statement' feature."},{"query":"How to report a privacy policy violation?","response":"Submit your report via the feedback form on the bank\u2019s website, specifying \"Privacy Policy\" as the subject."},{"query":"Quasi-cash examples?","response":"Examples include paying for traveler\u2019s checks, gambling, crypto purchases, lottery tickets, and transferring funds to bookmakers or e-wallets."},{"query":"How much does it cost to get a new card?","response":"The cost is 290 \u20bd, but reissuing is free if you have the Premium tariff."},{"query":"debit card pdf not working","response":"If your downloaded certificate is not opening, ensure your device has a PDF reader. Alternatively, access the document directly in your online banking portal."},{"query":"What\u2019s third party in the policy?","response":"A third party is not a direct participant in an obligation but can gain rights or obligations through law or contract."},{"query":"i don\u2019t have internet","response":"You cannot use the mobile banking app without internet access. A stable connection is needed for the service."},{"query":"overpayment on account. how to access?","response":"You can withdraw via ATM, use for a purchase, or transfer via the mobile app (go to **Payments \u2192 Transfer method**)."},{"query":"Investment structured products require company to be in Russia?","response":"Yes, the company must be based in Russia or have core assets in Russia to qualify."},{"query":"Bond forex finance","response":"Initial bond placements can be financed in major global currencies."},{"query":"What are structured deposits at Alfa Bank?","response":"Structured deposits are innovative hybrid products offered by Alfa Bank allowing a higher interest rate than classic deposits."},{"query":"What happens if funds are returned to my account after 9 days?","response":"If the transaction isn\u2019t confirmed within 9 days, the funds are returned to your account. However, if the transaction is confirmed later, the funds will be withdrawn again, potentially causing an overdraft."},{"query":"Is card reissuing free?","response":"Reissuing is free only for clients with the Premium tariff. Otherwise, the cost is 290 \u20bd."},{"query":"Can I get returns from different market trends?","response":"Yes, a structured bond enables you to receive income from various market movements."},{"query":"Max loan amount for vehicles","response":"The maximum financing is 40 million RUB."},{"query":"Grace period for split value trades","response":"Alfa-Bank allows split value trades with a grace period of up to 2 days for clients."},{"query":"does alfa-bank share my info with others?","response":"No, confidential data about your accounts, deposits, and operations is not disclosed to third parties unless permitted by law."},{"query":"finance options for stock portfolios","response":"Alfa-Bank offers equity finance solutions to support stock-related financial needs."},{"query":"Can I use Alfa-Online instead of the mobile app?","response":"Yes, iOS users can use the Alfa-Online internet banking service as an alternative to the mobile app."},{"query":"What if I\u2019m not tech-savvy?","response":"Use the bank\u2019s customer support or visit a branch for assistance in managing your structured product."},{"query":"Alfa-Bank\u2019s retail operations","response":"Retail banking is highlighted as a key component of Alfa-Bank\u2019s operations."},{"query":"money not transferred yet","response":"Ensure the early repayment amount is in your account by 11:00 PM Moscow time for the funds to be processed on the application submission date."},{"query":"how to set a pin code for my alfa-bank card?","response":"Within the app or Alfa-Online, go to All my products \u2192 Card account \u2192 Set a PIN code to complete activation."},{"query":"Can I get a fixed interest rate for the equipment loan?","response":"Yes, while individual rates are based on floating LIBOR\/EURLIBOR, the rate can be fixed when the credit is drawn down."},{"query":"How long does it take to approve a cash loan?","response":"We review applications within 1 business day, though it may take up to 5 business days in rare cases. The decision is sent via SMS."},{"query":"alfa bank rating stable?","response":"Yes, Alfa-Bank\u2019s credit rating from China Lianhe Credit Rating Co., Ltd is AA- with a Stable outlook."},{"query":"card to card fee","response":"Transfers to other Alfa-Bank clients are free, and transfers to other banks are free if you enable the \"Free Payments\" service. The fee for transfers to other banks is not specified here if the service is disabled."},{"query":"Where do I receive loan approval?","response":"The loan application decision is sent via SMS after processing."},{"query":"Margin trading for real estate","response":"Margin trading covers a wide range of assets, including real estate."},{"query":"Free card required","response":"If you don\u2019t have an Alfa-Card, we\u2019ll issue a free debit card for you with the loan amount credited."},{"query":"How can we reduce payment risk with Alfa-Bank factoring?","response":"Alfa-Bank\u2019s factoring includes a non-recourse structure that fully covers payment risk for clients."},{"query":"correspondent account partners available?","response":"Yes, Alfa-Bank collaborates with over 400 banks and non-banking credit institutions in Russia and internationally through correspondent accounts."},{"query":"Why should I care about Alfa-Bank\u2019s ethics?","response":"Ethics is a foundational value at Alfa-Bank, shaping the behavior and decisions of managers and employees in all operations."},{"query":"set pin for card activation","response":"To set your PIN, open the Alfa-Bank app or Alfa-Online, go to \"All my products \u2192 Card account,\" and follow the prompts to set your PIN code."},{"query":"After closing my card, can I use the account still?","response":"Yes, your linked account stays active after card closure. You can use it normally unless you decide to close the account yourself."},{"query":"Can I borrow money using a debit card?","response":"No, a debit card does not allow borrowing money. It only enables spending the funds you already have. A credit card, not a debit card, is used for borrowing."},{"query":"Are all operations in rubles?","response":"Yes, operations such as Expense, Replenishment, or Refund must be conducted in Russian rubles."},{"query":"how does cashback percentage work?","response":"The Alfa-Card returns part of your monthly spending in rubles as cashback, with the amount depending on how much you spend."},{"query":"can i pay for a taxi automatically with my credit card?","response":"Yes, link your credit card to taxi services via the mobile app for automatic payments."},{"query":"Deposit sum requirement","response":"The deposit requires a minimum of 10 million RUB or 1 million CNY."},{"query":"Streamlined process for leasing?","response":"Yes, you simply select the asset (vehicle, equipment, etc.), and Alfa-Bank handles the transaction with all parties under a \u201cone entry point\u201d principle."},{"query":"Address for Alfa-Bank office in Moscow","response":"The Moscow office is located at 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"What is a Non-Deliverable Share Swap transaction?","response":"It is a unique Russian-market transaction format used by Alfa-Bank to finance share buybacks."},{"query":"commercial use allowed?","response":"No, the Mobile Bank service is strictly for non-commercial use by registered users who have accepted the Agreement."},{"query":"Where is the \"Share\" button in Safari for Alfa-Online?","response":"After opening Alfa-Online in Safari, the **Share** button is located at the bottom of the screen. Tap it to proceed."},{"query":"What about sole proprietors?","response":"Alfa-Bank processes data of clients who are sole proprietors or individuals engaged in private practice."},{"query":"How can I block my card if it is lost?","response":"You can block and reissue your card yourself via the Alpha-Bank app or Alfa-Online. If you find the card later, unblock it in the same way and use it again."},{"query":"Penalty for not paying on time","response":"A 0.1% fee is applied daily to the overdue loan amount if you don\u2019t make the payment on time."},{"query":"Partner offers for higher cashback","response":"Partner offers with increased cashback and discounts are available in the \u201cShowcase\u201d section of the app."},{"query":"I can\u2019t find my cashback. Where is it?","response":"Check the **Your Total Cashback** section in the Alfa-Bank app or Alfa-Online to view your earnings."},{"query":"What is the minimum leasing limit required?","response":"The minimum leasing limit is 100 million RUB."},{"query":"Is there a different rate for RUB vs USD?","response":"RUB uses the RUONIA benchmark, while USD uses the LIBOR USD overnight rate\u2014each with their own rates as per Alfa-Bank\u2019s Schedule."},{"query":"Alfa-Bank offers structured notes?","response":"Yes, structured notes are part of Alfa-Bank\u2019s diverse structured finance products, available for institutional and private investors."},{"query":"Where to send CNY payments","response":"For Chinese Yuan (CNY) payments, use BANK OF CHINA (RUSSIA) at Pr-t Mira 72, Moscow, 129110."},{"query":"is alfa-bank a member of the association of banks of russia?","response":"Yes, Alfa-Bank is a member of the Association of Banks of Russia."},{"query":"Can I use my Alfa-Bank Mir card with Samsung Pay on Android?","response":"Yes, if you have an Android smartphone, you can add your Mir card to the Mir Pay and Samsung Pay apps for mobile payments."},{"query":"Cost for non-premium users if not qualifying for Premium","response":"2990 \u20bd per month, unless you qualify for reduced rates."},{"query":"Is citizenship required?","response":"Yes, you must be a Russian citizen to apply for a cash loan."},{"query":"margin trading forex forex","response":"Margin trading includes forex for leveraged forex positions."},{"query":"How long does freezing take?","response":"Freezing is instant when initiated via the \"All my products\" \u2192 \"Card\" \u2192 \"Freeze card\" path in the app."},{"query":"No fee atm partner list?","response":"Partner banks include B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development."},{"query":"How do I contact Moscow office?","response":"Contact the Moscow office via phone at +7 (495) 620-91-91 or by mail to 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"My tablet, compatible?","response":"Yes, a tablet that is capable of installing Mobile Bank can be used as a Mobile Device."},{"query":"Can I invest in hybrid products?","response":"Hybrid Products combining fixed income instruments with derivative strategies are available for different client types and situations."},{"query":"Delayed loan payment fine","response":"Missing your loan payment results in a 0.1% daily fee on the overdue amount."},{"query":"How to link credit card to online services","response":"Link your credit card in the mobile app to online services like taxis or streaming platforms. Once linked, payments will process automatically."},{"query":"I made a transfer on Saturday at 7pm, is it processed?","response":"Transfers made on weekends and holidays are processed only until 6pm Moscow time, so your payment at 7pm will be processed on the next business day."},{"query":"What documents needed for cash loan if I have an Alfa-Bank salary card?","response":"Only a Russian passport is required for a cash loan if your salary is credited to an Alfa-Bank card."},{"query":"structured product cny minimum","response":"The minimum deposit in Chinese yuan is 1 million CNY."},{"query":"i need to manage daily payments. suggest solution","response":"The overdraft facility ensures predictable stability by covering payments instantly, even if your account balance is insufficient."},{"query":"Pay lottery tickets quasi-cash?","response":"Yes, purchasing lottery tickets is classified as a quasi-cash transaction, and you may incur a commission fee."},{"query":"Can I cancel the loan after application?","response":"Submitting the application is an offer that, once accepted by the bank, forms the agreement. You must confirm understanding before proceeding."},{"query":"My card was used for a government fine. No cashback?","response":"Correct, transactions involving legal fines (MCC 7311) or government fees do not qualify for cashback."},{"query":"how to arrange payments beyond operational hours","response":"You may pre-agree case-by-case with the bank to submit payment orders during extended operational hours."},{"query":"How to control my personal data?","response":"The policy explains how clients and partners can manage the collection and use of their personal and confidential data."},{"query":"card closure steps","response":"To close your card, go to All my products \u2192 Card \u2192 Close card in the mobile app or Alfa-Online. The process takes effect immediately."},{"query":"Can I use the mobile app for payments?","response":"Yes, you can make purchases or transfers using the Alfa-Bank app with the funds loaded on your card."},{"query":"How does SBP transfer work","response":"SBP is a phone number-based system that transfers money instantly to any Russian bank card."},{"query":"Is my data shared for research purposes?","response":"Yes, your data may be used in aggregated and anonymized form for statistical and research purposes, such as forecasting, targeting, and model building."},{"query":"I spent a lot last month, where is my cashback?","response":"Cashback for regular purchases is credited on the 10th of the following month. Check the **Your Total Cashback** section for updates."},{"query":"SBP for any Russian bank?","response":"Yes, SBP transfers can be sent to cards of any Russian bank."},{"query":"What actions are considered personal data processing?","response":"Personal data processing includes collection, recording, systematization, storage, updating, extraction, use, transfer, assignment, receipt, depersonalization, blocking, deletion, or destruction of personal data using automated or non-automated tools."},{"query":"what is the cost for replacing my card?","response":"The cost to reissue your card is 290 \u20bd. However, if you have the Premium tariff, the service is free."},{"query":"LC options available","response":"Yes, our services include letter of credit transactions in both RUB and foreign currencies (FCY)."},{"query":"NFC near field communication","response":"NFC stands for Near Field Communication. It is a wireless technology that uses high-frequency signals for short-range data exchange between devices."},{"query":"I can\u2019t download app on Huawei phone","response":"Huawei users can download the Alfa-Bank app via Huawei AppGallery, our website, or other listed official store partners. Follow the **Download anyway \u2192 Allow installation** prompts if warnings appear."},{"query":"what benchmark rates apply to eur accounts?","response":"EUR account balances accrue interest based on the LIBOR EUR overnight rate, following Alfa-Bank\u2019s Schedule of interest."},{"query":"Need to report a privacy policy concern","response":"Use the feedback form available on the bank\u2019s website and select \"Privacy Policy\" as the subject to raise your concern."},{"query":"Can I select different assets for the underlying?","response":"Yes, you can choose the underlying asset as a currency, commodity, index, or stock."},{"query":"sexual orientation data","response":"Alfa-Bank does not collect or process personal data on sexual life."},{"query":"How does Alfa-Bank use my personal data?","response":"We use your data for core activities like conducting banking operations, managing contracts, HR records, developing products, improving services, sending advertising messages about third-party services, creating data systems for analysis, and ensuring security measures."},{"query":"Affirmed rating info","response":"On April 9, 2025, Expert RA affirmed Alfa-Bank\u2019s national-scale credit rating at ruAA+ with a Stable outlook."},{"query":"I tried a non-partner ATM and got charged. What now?","response":"You were charged because the ATM is not in Alfa-Bank\u2019s partner network. Always check the list of partner banks (B&N BANK, Gazprombank, etc.) for fee-free transactions."},{"query":"free atm cash partner banks","response":"Alfa-Bank partners with B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, and Ural Bank to offer free cash withdrawals."},{"query":"Does refinancing affect my cash withdrawal limit?","response":"Yes, during refinancing, your cash withdrawal limit is increased by the amount received above the outstanding debt from your previous loan."},{"query":"Funds overpaid. Can I withdraw them?","response":"Yes, withdraw the remaining funds from an ATM, use them for purchases, or transfer via the mobile app under **Payments \u2192 Transfer method**."},{"query":"Special features in private mobile banking","response":"Private banking clients get access to a mobile bank with unique features designed for better management of financial tasks."},{"query":"How to change my card delivery time","response":"You can change the delivery time via the mobile app, Alfa-Online, or call +7 495 788 88 78 (Moscow) or 8 800 200 00 00 (other regions)."},{"query":"What\u2019s the structure of Outperformance certificate returns?","response":"The Outperformance certificate offers returns based on participation with leverage."},{"query":"lending securities via repo","response":"REPO deals are the method used to lend securities, allowing clients to optimize cash-flow and boost portfolio performance."},{"query":"what types of rub payments does alfa-bank process?","response":"Alfa-Bank processes outgoing RUB payments from individuals, corporate clients, and principals, adhering to Russian law and international rules, as well as incoming RUB payments."},{"query":"referral bonus not credited yet","response":"Bonuses are processed and credited by the end of the next month. Ensure your friend completed all steps: ordering the card, making a purchase, and activating it."},{"query":"How does Alfa-Bank support international business operations?","response":"Alfa-Bank helps corporate clients by arranging various forms of funding for foreign economic activity, finding optimal financing sources, optimizing FOREX settlements, minimizing costs, and reducing risks associated with international operations."},{"query":"what is the advantage of structured bonds?","response":"Structured bonds allow you to increase investment return in a convenient format, receive income from various market movements, and diversify your investment portfolio."},{"query":"How do I check when my card is ready?","response":"Monitor the card\u2019s readiness through the Alfa-Bank app or by following the link in your SMS\/push notification."},{"query":"Alfa-Bank affiliated with Fintech organizations?","response":"Yes, Alfa-Bank is a member of the Fintech Association."},{"query":"can i get expert opinions on foreign exchange?","response":"Yes, Alfa-Bank delivers expert opinions on foreign exchange, commodities, credit, and interest rates."},{"query":"online purchases with debit card","response":"Yes, you can pay for online purchases with your debit card. You can also link it to services like taxi, streaming, etc., and payments will go through automatically without needing to enter your card number each time."},{"query":"my balance is cleared. when does the next grace period start?","response":"The next grace period starts from the date of your next qualifying transaction after repayment."},{"query":"where is the investment product placed?","response":"It is placed OTC through NSD."},{"query":"Are religious or charitable organizations considered TSPs?","response":"No, non-commercial organizations like religious or charitable groups (properly registered) are explicitly excluded from being classified as TSPs."},{"query":"Alfa-Bank\u2019s credit rating agency","response":"Expert RA affirmed Alfa-Bank\u2019s rating at ruAA+ with a Stable outlook."},{"query":"how do i get the cash loan to my account after approval?","response":"After your loan is approved, we\u2019ll send the loan agreement and payment schedule to your email. Sign the agreement electronically or visit a branch to sign. Once signed, we\u2019ll deliver a free debit card with the loan amount credited, or link the funds to your existing Alfa-Bank card."},{"query":"what documents needed for cash loan if i have an alfa-bank salary card?","response":"Only a Russian passport is required for a cash loan if your salary is credited to an Alfa-Bank card."},{"query":"who can get it","response":"Cardholders can request certificates and statements for their credit cards."},{"query":"can my business apply for the quality seal reward program?","response":"Yes, businesses can participate in the annual competition with their own selection methodology and may receive gifts from the bank as part of the Quality Seal program."},{"query":"Need USD in foreign ATM","response":"If you require US dollars while using a foreign ATM, you won\u2019t be able to withdraw them directly. Withdraw the local currency instead and exchange it for USD at a currency exchange office."},{"query":"Can I use Alfa-Online on any smartphone?","response":"Yes, Alfa-Online is compatible with all smartphones and does not require downloading an app."},{"query":"is there a limit for commission-free transfers?","response":"Yes, commission-free transfers are available within certain limits. The exact amount is not specified here, but you can check the limits in the app."},{"query":"What is a Refund Operation?","response":"A Refund Operation is when funds are returned to you in Russian rubles by a merchant due to non-provision of services, refusal of services, or other reasons allowed by Russian law or agreements, which then increases your remaining credit limit."},{"query":"What about GBP payments?","response":"GBP falls under \"other European currencies,\" so its payments execute next-day value."},{"query":"What is the difference between a debit card and a credit card?","response":"A debit card holds only your own money and does not allow borrowing, while a credit card has a limit for borrowing money from the bank that you can repay later."},{"query":"What if my repayment funds arrive after 11 PM Moscow time?","response":"The app will not calculate the early repayment amount if the funds are not in your account or expected by 11:00 PM Moscow time."},{"query":"One-Time Password not received","response":"If you didn\u2019t get the One-Time Password via SMS or Push, ensure your Mobile Device is registered correctly or request a resend through Mobile Bank."},{"query":"Business registered in region without Bank presence","response":"The business must be registered and located in a region where Alfa-Bank has a presence to apply for leasing."},{"query":"am i charged for transferring funds to a bookmaker?","response":"Yes, transferring money to a bookmaker is a quasi-cash transaction and may involve a commission."},{"query":"How to pick up unnamed card fast","response":"You can collect an unnamed card directly in any branch within 10 minutes without pre-ordering. For delivery, we\u2019ll send it the same day."},{"query":"physical and digital card","response":"When ordering, you can choose to receive only a digital card or request a physical card as well. If you have an existing digital card and want a physical one, you must order a new card."},{"query":"Training for new employees?","response":"Alfa-Academy offers training for employees, with courses designed for professional development."},{"query":"nostro agents locations","response":"Nostro agents are located worldwide, ensuring payments via European, Asian, and US banks."},{"query":"What\u2019s required for a stateless person to open a bank account in Russia?","response":"A stateless person must have a residence permit in the Russian Federation to open a bank account or access banking services."},{"query":"What\u2019s included in market making support?","response":"Market making support involves providing liquidity in your securities post-issuance to ensure stable trading conditions."},{"query":"How does leasing help reduce taxes?","response":"Leasing payments are charged to company costs in full, reducing taxable income. Accelerated depreciation also helps save on property tax."},{"query":"How to optimize my portfolio with REPO?","response":"REPO deals can help improve portfolio performance by efficiently managing cash flow and leveraging security lending\/borrowing."},{"query":"cashback not showing up after purchase","response":"Check if you (1) clicked the button in the partner\u2019s offer, (2) avoided returning\/canceling the purchase, (3) cleared your cart before adding items again, and (4) met all offer conditions like location or minimum spending."},{"query":"payment orders processed after 5pm","response":"Only if pre-agreed case-by-case for extended operational hours."},{"query":"Tools for handling accounts receivable?","response":"The register of receivables is a convenient tool designed to help minimize accounts receivable by tracking and managing them efficiently."},{"query":"Presidential decisions on debt rules","response":"Presidential Executive Orders are one of the legal tools regulating debt servicing for Loans and LPNs in Russia."},{"query":"Bond fx finance options","response":"Initial bond placements can be financed in major currencies."},{"query":"Can I report privacy issues here?","response":"Yes, use the bank\u2019s website feedback form and include \"Privacy Policy\" as the subject for your report."},{"query":"residency permit for stateless to bank","response":"Stateless individuals need a valid residence permit in the Russian Federation to bank."},{"query":"Does Gazprombank participate in Alfa-Bank\u2019s fee-free ATM program?","response":"Yes, Gazprombank is a partner bank that allows free cash withdrawals for Alfa-Bank cardholders."},{"query":"Required documents for foreign citizens","response":"Foreign citizens are required to submit a list of documents when applying for banking services."},{"query":"who gave alfa-bank its credit rating?","response":"Expert RA affirmed Alfa-Bank\u2019s rating at ruAA+ with a Stable outlook."},{"query":"How do I know which documents to bring if I\u2019m not a resident?","response":"Bring the required documents for foreign citizens or stateless persons as specified by the bank when applying for services."},{"query":"What happens if I forget to pay my loan?","response":"If you forget to pay your loan on time, we charge 0.1% of the overdue amount per day."},{"query":"Best FX Desk years","response":"Alfa-Bank won the Best FX Desk in Russia for 9 consecutive years, from 2012 to 2020."},{"query":"Can I get an unnamed card quickly without ordering it in advance?","response":"Yes, you can pick up an unnamed card at a branch within 10 minutes without pre-ordering. If delivery is needed, it will arrive the same day."},{"query":"Need a solution where my supplier gets paid immediately","response":"Pre-delivery factoring allows you to secure funding for your supplier before the goods arrive at your location."},{"query":"stop data processing","response":"You can withdraw your consent for data processing and request deletion if applicable."},{"query":"Foreign passport accepted?","response":"Yes, a foreign passport is accepted as an identity document if it is recognized by Russian law or an international treaty."},{"query":"Premium Card cashback limit per month","response":"The maximum cashback per month for the Alfa Premium Card under the Premium tariff is 15,000 Alfa points."},{"query":"Full payment required for grace period","response":"Yes, to avoid interest charges, the full debt must be repaid during the grace period."},{"query":"Business wants to participate in Quality Seal","response":"Join the annual Quality Seal competition by submitting your business to the bank\u2019s own selection methodology for rewards and recognition."},{"query":"named cards free or charge?","response":"Named cards are free to obtain, just like unnamed cards. Both have no fees for transfers, payments, or cashback."},{"query":"What does Bank Branch mean in Alfa-Bank?","response":"It refers to an additional office or credit and cash office of Alfa-Bank that serves individual clients."},{"query":"Is the refund operation in Russian rubles only?","response":"Yes, the refund operation described applies to funds returned in Russian rubles by merchants for non-provision of services or other legal reasons."},{"query":"Statement for accountant","response":"The account statement can be requested through the mobile app or online banking."},{"query":"How do I get cashback with my debit card?","response":"Alfa-Bank rewards you with bonuses, miles, or up to 100% cashback for payments made with your debit card."},{"query":"i dont want my data used for marketing","response":"You can request restriction of the processing of your personal data if it is used for promotional purposes."},{"query":"How to set savings goals for vacations or big purchases?","response":"Use the \u201cSave for anything\u201d feature to create goals and track progress for home renovations, vacations, or new purchases."},{"query":"Equity trade timing issue","response":"Equity trades cannot be executed outside of exchange hours (10:00\u201318:00, Monday\u2013Friday)."},{"query":"What\u2019s Alfa Bank\u2019s credit rating on the Chinese national scale?","response":"On 2 February 2024, China Lianhe Credit Rating Co., Ltd assigned Alfa-Bank an AA- rating on the Chinese national scale with a Stable outlook."},{"query":"is there a cashback on unnamed cards like on named?","response":"Yes, unnamed cards include cashback up to 100% in the super cashback wheel and 5% in 4 categories (or 3 categories + 1% on all expenses)."},{"query":"alfa-bank structured finance for institutions","response":"Alfa-Bank serves institutional clients with structured debt solutions, complex derivatives, and other structured finance instruments."},{"query":"is there a delay between repayment and grace period reset?","response":"Yes, the grace period updates during the day after you fully repay your balance. There is no immediate effect\u2014wait until the system processes it."},{"query":"How long does it take to get the certificate?","response":"The certificate is sent to your email immediately upon request."},{"query":"What\u2019s the national payment system available in Alfa-Mobile?","response":"The national payment system \u201cMIR\u201d is integrated into Alfa-Mobile banking."},{"query":"can i use partner atms to pay off my loan?","response":"Yes, you can repay your loan at Alfa-Bank or partner ATMs."},{"query":"What currency are expense operations conducted in?","response":"All expense operations are conducted in Russian rubles."},{"query":"LPNs Programme based in the U.S.?","response":"Yes, the programme is based in the U.S. under the U.S. 5,000,000,000 $ initiative."},{"query":"Can non-residents or governments own shares in the lessee?","response":"Yes, non-residents and\/or government entities can hold up to 49% of the authorized share capital."},{"query":"Weekend payment after 6pm","response":"Transfers made after 6pm on weekends\/holidays will be processed on the next business day."},{"query":"what\u2019s alfa-bank doing to honor its financial obligations?","response":"Alfa-Bank is actively working with regulators and foreign financial institutions to find a way to fulfill its outstanding payment obligations under the Loans and LPNs."},{"query":"Margin trading forex forex","response":"Margin trading includes forex for leveraged forex positions."},{"query":"How do you handle cyberattacks on data?","response":"We detect, prevent, and eliminate the consequences of cyberattacks on personal data systems, including reacting to cybersecurity incidents promptly."},{"query":"Cash-in ATMs for business","response":"Yes, you can perform P2P and P2B payments using cash-in ATMs for business purposes."},{"query":"Privacy policy oversight","response":"The bank\u2019s policy oversight falls on the individuals tasked with organizing personal and confidential data processing."},{"query":"cash loan app steps take out a loan","response":"In the Alfa-Bank mobile app, navigate to **All my products \u2192 New account or product \u2192 Take out a loan** to apply."},{"query":"my card was stolen","response":"If your card was stolen, block it in the mobile app by accessing All my products \u2192 Card \u2192 Freeze card."},{"query":"available structured finance options here?","response":"Alfa-Bank offers Hybrid Products in structured finance, which blend fixed income instruments with derivative strategies."},{"query":"No OTP received","response":"If you don\u2019t receive an OTP, ensure your phone number is registered correctly and check with the Bank to confirm the procedure, as the exact steps are defined by the Bank."},{"query":"What fees apply to equity trading?","response":"The fee is 0.03% per transaction, with a minimum of 50 RUB. Qualified clients receive a 50% discount."},{"query":"privacy policy approval","response":"The Privacy Policy is approved by the Chairman of the Management Board under the authority specified in the bank\u2019s charter."},{"query":"Can I send USD today?","response":"Yes, USD payments are executed same-day value."},{"query":"can i order credit card without an account?","response":"No, the mobile app and Alfa-Online require an existing account to order a credit card."},{"query":"Use overpayment for a purchase?","response":"You can use the overpaid funds directly for a purchase or withdraw them via an ATM."},{"query":"book transfers same day processing","response":"Book transfers can be processed 24\/7 on business days and by 6pm Moscow time on weekends\/holidays."},{"query":"I am a foreigner in Russia. What proof do I submit for banking?","response":"Foreign citizens or stateless persons are required to show documents specified by the bank during their application for services."},{"query":"Certificate for my card?","response":"Certificates can be retrieved via the Alfa-Bank app by selecting the Card account menu and then Certificates and statements."},{"query":"Forex loans?","response":"Yes, financing in major global currencies is offered."},{"query":"What if my phone number changes?","response":"If your phone number changes, update it in the Mobile Bank settings to ensure OTPs are sent to the correct number."},{"query":"Violation privacy policy report","response":"Submit your report using the feedback form on the bank\u2019s website, specifying \"Privacy Policy\" as the subject."},{"query":"Pay with MIR?","response":"Use your MIR-enabled card for domestic payments and merchants accepting the national payment system."},{"query":"Alfa-Bank processes all RUB payments without restrictions","response":"For incoming payments, Alfa-Bank has no limitations. Outgoing payments require compliance with Russian law and international rules."},{"query":"financial reports website","response":"All financial and non-financial reports are published on alfabank.ru and alfabank.ru\/en\/."},{"query":"Can I join a community with Alfa Chance?","response":"Alfa Chance connects grant recipients with a community of successful entrepreneurs and managers for networking and mentorship."},{"query":"I need a balance certificate","response":"You can get a certificate of available balance in the mobile app or Alfa-Online."},{"query":"Can I use my card in VTB Belarus?","response":"Yes, you can withdraw cash at VTB Belarus as well as other banks participating in the BELKART payment system in Belarus."},{"query":"company age requirements for leasing?","response":"The company must have been operational for at least 2 years."},{"query":"Company age requirements for leasing?","response":"The company must have been operational for at least 2 years."},{"query":"register company in russia without visiting","response":"We assist with your company\u2019s registration to the Russian Tax Authority without requiring a visit to Russia."},{"query":"I want to avoid ATM fees. Can I use my card at Ural Bank\u2019s machines?","response":"Yes, you can use your card at Ural Bank for Reconstruction and Development ATMs without incurring fees."},{"query":"What time is the cut-off for electronic payments in Moscow?","response":"The cut-off time for outgoing payments received electronically is 5pm Moscow time."},{"query":"How is Alfa-Online different from the Alfa-Bank app?","response":"Alfa-Online is a mobile banking site that functions similarly to the Alfa-Bank app but doesn\u2019t require you to download it to your device."},{"query":"I didn\u2019t get cashback after my purchase why","response":"Possible reasons include the item being returned, not clicking the partner offer button, the cashback period not arriving yet, items already being in your cart, or missing conditions like city or minimum purchase amount requirements."},{"query":"Is there a delay between repayment and grace period reset?","response":"Yes, the grace period updates during the day after you fully repay your balance. There is no immediate effect\u2014wait until the system processes it."},{"query":"what if the underlying index crashes?","response":"A sharp drop in the index would negatively impact the additional interest rate, potentially reducing overall returns."},{"query":"Debit card PDF not working","response":"If your downloaded certificate is not opening, ensure your device has a PDF reader. Alternatively, access the document directly in your online banking portal."},{"query":"Who is eligible for real estate leasing?","response":"Lessees must be Russian residents incorporated as legal entities or private entrepreneurs."},{"query":"Repay loan online","response":"Repay your loan online via your personal account by navigating to \"Loans \u2192 Replenish account.\""},{"query":"Can I avoid fees by buying under 500 \u20bd?","response":"Yes, transactions under 500 \u20bd are always exempt from quasi-cash fees."},{"query":"Are fixed-income solutions tailored to individual client needs?","response":"Yes, we focus on Customer demands."},{"query":"How does the additional interest rate work?","response":"The additional interest rate depends on the performance or behavior of the chosen underlying asset (currency, commodity, index, or stock)."},{"query":"what if there is no atm to cash out","response":"If there\u2019s no ATM, you can still pay using the mobile app to transfer funds to the seller or use a QR code to complete the payment."},{"query":"Same day card activation online","response":"Yes, your account will be opened immediately after ordering, so you can start using it for online payments and transfers the same day."},{"query":"Apply for card without visiting branch","response":"Yes, apply online via the Alfa-Bank website or through the app\/Alfa-Online if you have an account."},{"query":"Need a copy","response":"Request the certificate again via the app or online banking."},{"query":"Can I earn cashback for buying gold or securities?","response":"No, purchases under brokerage, securities, or metals (MCC 6540) are excluded from cashback."},{"query":"can i invest in rouble yuan pairs","response":"Yes, the currencies supported for investment are CNY (Chinese Yuan) and RUR (Russian Rouble)."},{"query":"How does Alfa-Bank reduce paper usage?","response":"Alfa-Bank switched to biometrics and digital signatures, saving 200 tons of paper annually, equivalent to 7 hectares of forest or 3,000 trees."},{"query":"Can I use my Alfa-Bank card to get cash in Tajikistan?","response":"Yes, you can withdraw cash in Tajikistan at all banks participating in the Express Pay payment system in Dushanbe City."},{"query":"I need to know about currency conversion when withdrawing the deposit","response":"When withdrawing, the deposit can be returned to an alternative currency at the conversion rate specified in the agreement, with no commission applied."},{"query":"how can i check which payment systems my card uses?","response":"You can view the payment systems available to you in the Alfa-Bank mobile app, Alfa-Online, or on the bank\u2019s website."},{"query":"request app installation","response":"To request app installation, fill out the form on Alfa-Bank\u2019s website or visit a bank branch for assistance."},{"query":"alfa-online says \u201cadd to home screen\u201d is missing","response":"Ensure you\u2019re using Safari. Open Alfa-Online in Safari, tap **Share** at the bottom of the screen, and select **Add to Home Screen** to proceed."},{"query":"Can I get features for cash clearing through Alfa-Bank?","response":"Yes, clients solidly benefit from accessing features and advantages of cooperation with Alfa-Bank in the area of cash clearing services and linked activities."},{"query":"VTB Belarus cash withdrawal","response":"Yes, you can withdraw cash at VTB Belarus in Belarus with your Alfa-Bank card."},{"query":"can i get a bespoke structured finance solution?","response":"Yes, Alfa-Bank designs individual solutions after reviewing your specific financial context."},{"query":"cashback not shown in account","response":"Confirm you made the purchase following all rules and that offers were accessed via the app or Alfa-Online. Cashback is credited on the 10th of each month."},{"query":"Android app download options","response":"You can download the Android app from our website or from Huawei AppGallery, Xiaomi Market, Galaxy Store, GetApps, RuMarket, Rustore, or NashStore."},{"query":"Open foreign currency deposit","response":"You can open deposits and savings accounts in rubles or foreign currencies entirely online via the app."},{"query":"can i use the card online before receiving the physical one?","response":"Yes, the account is opened immediately, so you can use the card for transfers and online purchases on the same day, even before the physical card arrives."},{"query":"ios 12 works with alfa-bank app?","response":"Yes, the app is compatible with iOS version 9 or higher, so iOS 12 is supported."},{"query":"How to reset the interest-free days?","response":"The grace period resets automatically during the day after you fully repay your debt. Confirm the update via the mobile app or Alfa-Online."},{"query":"Monthly payment fixed?","response":"Yes, the monthly payment for a cash loan is fixed."},{"query":"Alfa-Bank member of any structured finance groups?","response":"Alfa-Bank is affiliated with the International Capital Market Association (OJSC)."},{"query":"Why is verification required for Mobile Bank?","response":"To identify the User during interactions with the Bank via Mobile Bank for operations under the Agreement."},{"query":"Alfa-Bank card valid in South Ossetia","response":"Yes, it is valid at the National Bank of the Republic of South Ossetia."},{"query":"Hybrid products for liabilities","response":"Alfa-Bank offers Hybrid Products that apply derivative strategies to address liability-side situations."},{"query":"Is MIR safer?","response":"Safety depends on the payment system\u2019s protocols; Alpha-Bank uses secure systems for both MIR, Visa, and MasterCard."},{"query":"Named vs unnamed card benefits?","response":"Both cards have identical features: no fees, cashback up to 100% in the super cashback wheel, and 5% in 4 categories or 3 categories + 1% on everything. The only difference is the naming on the card."},{"query":"activate card not working pin code","response":"To activate your card, open the Alfa-Bank app or Alfa-Online, go to \"All my products\" \u2192 \"Card account,\" and set a PIN code."},{"query":"old card expiration date for online","response":"For online transactions, continue using the original expiration date printed on your current card, even if the physical expiration is later."},{"query":"can i invest through a joint account?","response":"Structured products can be opened with joint ownership, but confirm requirements with the bank for such accounts."},{"query":"Alfa-Bank innovative financial solutions?","response":"Alfa-Bank has developed solutions like Non-Deliverable Share Swaps, first private equity fund financing in Russia for CIS-focused funds, and Russia\u2019s first Diversified Payments Rights securitisation program."},{"query":"are all services available online?","response":"Most services can be obtained online from anywhere in the world, though some may require visiting a branch."},{"query":"Does Alfa-Bank\u2019s Chinese rating include a positive outlook?","response":"No, the rating has a Stable outlook."},{"query":"Does Bank of Russia decide on debt servicing rules?","response":"Yes, Decisions of the Bank of Russia Board of Directors are part of the legislative framework for debt servicing under Loans and LPNs."},{"query":"How to diversify investments effectively?","response":"Structured bonds help diversify investments by enabling income generation from various market movements while increasing returns."},{"query":"how are bond opportunities tailored for clients?","response":"Our team delivers optimal bond trading opportunities based on individual investment objectives, leveraging our impartiality and expertise."},{"query":"How does the tied credit work?","response":"A foreign bank grants a tied credit to Alfa-Bank, which then funds your import operations at a favorable interest rate. You repay Alfa-Bank during the agreed period."},{"query":"What services does a credit card support?","response":"A credit card supports paying for goods\/services (online or QR code), cash withdrawals, transfers, and repaying other banks\u2019 credit cards."},{"query":"are there gyms in alfa-bank offices?","response":"Yes, Alfa-Bank offices have gym facilities available for employees."},{"query":"Is there a mobile app for cash loan application?","response":"Yes, if you\u2019re an Alfa-Bank client, use the mobile app **All my products \u2192 New account or product \u2192 Take out a loan** to apply."},{"query":"Can I useVPN and still get cashback?","response":"No, using aVPN might block cashback functionality, so you should disable it."},{"query":"bond fx finance","response":"We finance initial bond placements in major global currencies."},{"query":"Close second account","response":"To close a secondary account linked to your debit card, use the app or Alfa-Online: select the account, then Actions \u2192 Close account."},{"query":"How is \"processing\" different from \"destruction\"?","response":"Processing includes actions like collection or modification of personal data, whereas destruction permanently makes data unrecoverable."},{"query":"How do I get a certificate for my credit card available balance in English?","response":"You can get a certificate for your credit card available balance (in English) in the Alfa-Bank mobile app or Alfa-Online: Card account \u2192 Get certificate or statement."},{"query":"equity finance options","response":"Alfa-Bank offers equity finance solutions."},{"query":"can i exceed my cash withdrawal limit","response":"No, the cash withdrawal limit is a fixed cap that applies to all your cards and accounts. Exceeding it is not allowed."},{"query":"Is the National Bank of South Ossetia the only option there?","response":"Yes, in South Ossetia, cash withdrawals can only be made at the National Bank of the Republic of South Ossetia."},{"query":"How does the income work in an Outperformance certificate?","response":"The income in an Outperformance certificate is structured as participation with leverage."},{"query":"currencies in investment products","response":"The currencies currently supported in investment structured products are CNY (Chinese Yuan) and RUR (Russian Rouble)."},{"query":"Can I use the Mobile Bank app for business transactions?","response":"No, the Mobile Bank can only be used for non-commercial purposes by Users who have completed registration and accepted the Agreement."},{"query":"what\u2019s required for equipment import finance?","response":"The requirements include a minimum sum of $1,000,000 and access to Export Credit Agencies (ECA) to cover the credit."},{"query":"What is the maximum outstanding loan limit after 7 years of leasing?","response":"The outstanding loan should not exceed 50% of the leased property\u2019s market value by the 7th year."},{"query":"Can Alfa-Bank help with factoring before delivery?","response":"Yes, pre-delivery factoring is available as part of the bank\u2019s factoring services."},{"query":"can a charity be a merchant (tsp)?","response":"No, charitable organizations (non-commercial) are explicitly excluded from being a Merchant (TSP)."},{"query":"my code works only on my current device","response":"The Code may be used on only one Mobile Device. If you change devices, you may need to update your linked device."},{"query":"Overdue loan affecting my cashback?","response":"If you have overdue credit debt, cashback will go to your bonus account but cannot be spent until the debt is repaid."},{"query":"Are there instances where you can process data without consent?","response":"Yes, processing is allowed without consent when required by law or to fulfill legal obligations, such as submitting reports to regulators."},{"query":"how do i know if i qualify for a personal loan?","response":"Before applying, evaluate your financial need for the loan and your ability to meet all repayment obligations based on your budget."},{"query":"Overpayment detected. Options to use it?","response":"You can withdraw from an ATM, use it for purchases, or transfer it in the app under **Payments \u2192 Transfer method**."},{"query":"Cash withdrawal free in partner banks?","response":"Yes, there are no additional charges for cash withdrawals in partner banks\u2019 ATMs."},{"query":"Can I earn higher interest on funds held in my account?","response":"Yes, increased credit interest may apply to amounts under hold if a separate deal is agreed upon via an Additional agreement."},{"query":"Difference between credit and debit","response":"The key difference is that a credit card allows borrowing against a set limit, while a debit card exclusively uses your own funds."},{"query":"I lost my activation instructions","response":"Re-activate your debit card by opening the Alfa-Bank app or Alfa-Online and selecting \"All my products\" \u2192 \"Card account\" \u2192 \"Set PIN code\"."},{"query":"Bond placements support","response":"Yes, we finance clients at initial bond placements."},{"query":"Can I print","response":"Yes, the PDF certificate can be printed for your records."},{"query":"What is the cost","response":"Getting a certificate for your credit card is free via the mobile app or Alfa-Online."},{"query":"How does Alfa-Bank plan to settle its bonds and loans?","response":"The bank is collaborating with regulators and foreign financial institutions to identify an appropriate method to honor its commitment to repay its remaining obligations."},{"query":"do i need a new debit card?","response":"If you don\u2019t already have an Alfa-Bank card, you\u2019ll receive a free one with the loan amount already credited."},{"query":"Bond placements and support","response":"We finance clients during initial bond placements."},{"query":"Delivery method needs changing to courier","response":"Call +7 495 78-888-78 (Moscow) or 8 800 200-00-00 (regions) to request a switch to courier delivery."},{"query":"Can I withdraw \u20bd50k free every month?","response":"Yes, Alfa-Bank credit cardholders with the free cash withdrawal feature can withdraw up to \u20bd50,000 per month without commission, with the limit resetting on the 1st of each month."},{"query":"Mir card rejected in Belarus","response":"Mir card acceptance in Belarus depends on local banks\u2019 policies. If it\u2019s rejected, withdraw cash in advance from an ATM."},{"query":"can we use atm for p2p payments","response":"Yes, P2P and P2B payments can be made via cash-in ATMs."},{"query":"How to access the installment plan?","response":"To access the installment plan for daily expenses, use the Alfa-Bank mobile app."},{"query":"Are health records processed by the bank?","response":"Yes, health status is considered a special category of personal data and may be processed under legal provisions."},{"query":"Withdrawal not working in Tajikistan","response":"Mir cards are accepted in Tajikistan, but ensure you withdraw cash in advance in case local ATMs stop accepting the card."},{"query":"Structured bond help diversify portfolio","response":"Yes, structured bonds help diversify your investment portfolio."},{"query":"How to start using Alfa card","response":"Activate your card by selecting \"All my products\" \u2192 \"Card account\" \u2192 \"Set a PIN code\" in the Alfa-Bank app or Alfa-Online."},{"query":"Android app download issue","response":"You can download the Alfa-Bank app for Android from our website or from official manufacturer stores such as Huawei AppGallery, Xiaomi Market, Galaxy Store, GetApps, RuMarket, Rustore, or NashStore."},{"query":"Why is assessing my budget important before a loan?","response":"To ensure you can realistically allocate funds for all required payments under the loan agreement, avoiding penalties and financial strain."},{"query":"Can non-residents have share capital in the business?","response":"Yes, non-residents or government participation in authorized share capital is allowed up to 49%."},{"query":"User identification for Mobile Bank operations","response":"The Bank verifies the User\u2019s identity during interactions with the Mobile Bank for Agreement-based transactions."},{"query":"Commodity trader access?","response":"Yes, commodity traders can access investment structured finance products."},{"query":"I didn\u2019t see the cashback yet","response":"Wait until the cashback period arrives; it\u2019s usually paid by the 10th of the month but can vary depending on the partner\u2019s schedule."},{"query":"i need app access for my company","response":"The Mobile Bank app is not available for commercial entities. Use business banking solutions instead."},{"query":"Are corporate clients included?","response":"Yes, corporations are among the clients who can access investment services from Alfa\u2019s Fixed Income Division."},{"query":"How can I find the Bank's tariff schedule?","response":"The Bank\u2019s tariff schedule, including commissions and their amounts payable under your Agreement or Card Issuance Agreement, is published on the Bank\u2019s official website."},{"query":"lost my card what to do","response":"If your card is lost, block and reissue it via the Alpha-Bank app or Alfa-Online. If you locate the card later, unblock it using the same method."},{"query":"can i get overdraft facility without credit committee approval?","response":"No, overdraft facilities are subject to credit committee approval before activation."},{"query":"How fast is SBP transfer","response":"SBP transfers are instant the funds are credited to the recipient's card immediately."},{"query":"Are there plans for Alfa-Bank to pay its debts?","response":"Yes, Alfa-Bank is actively pursuing solutions with regulators and financial institutions to honor its remaining payment obligations."},{"query":"No payment updates?","response":"Alfa-Bank has not received either the Specific Licence from OFSI or the General Licence from OFAC and remains unable to make the scheduled interest payments."},{"query":"Why did my withdrawal limit increase after taking a loan?","response":"When you receive a cash loan or refinancing, your withdrawal limit is temporarily increased by the loan amount for 30 calendar days."},{"query":"Lost card","response":"You can block your lost card and reissue it via the Alfa-Bank app or Alfa-Online."},{"query":"Can I skip income proof for loan under 300k?","response":"Yes, if you do not have an Alfa-Bank salary card. For loans under 300,000 \u20bd, the passport is the only document required."},{"query":"alfa online not working on my iphone","response":"For iPhone users, open Alfa-Online in Safari, tap **Share**, select **Add to Home Screen**, and follow the login steps. If it still doesn\u2019t work, check your internet connection."},{"query":"I am stateless. How to live legally in Russia","response":"You must apply for and hold a valid residence permit in the Russian Federation."},{"query":"Next day payments for other European and CIS currencies","response":"Payments in other European and CIS currencies get executed next day value."},{"query":"What is the official website address of Alfa-Bank?","response":"The Bank\u2019s official website is located at https:\/\/alfabank.ru."},{"query":"Documents required for account opening","response":"You\u2019ll need a small set of documents to open an account quickly and easily."},{"query":"loan approved, next steps","response":"Sign the agreement sent to your email, receive a free debit card (if needed), and use the funds via ATM, app, or linked card."},{"query":"How to check credit card service charge","response":"View the service fee for your credit card by accessing the mobile app or Alfa-Online: Credit card \u2192 Tariffs."},{"query":"Geopolitical analysis available?","response":"Yes, Alfa-Bank analyzes geopolitical developments alongside macroeconomic trends to inform strategic decisions."},{"query":"what if i miss a loan payment?","response":"If you fail to pay your loan on time, we will charge 0.1% per day on the overdue amount."},{"query":"What are the rewards for using the debit card?","response":"You can earn bonuses, miles, or up to 100% cashback for purchases made with your Alfa-Bank debit card."},{"query":"Can I withdraw cash using my credit card?","response":"Yes, you can withdraw cash from ATMs using your credit card."},{"query":"What if a service is prohibited by government list?","response":"Services listed by the Russian Government for which payments are not allowed via payment agents cannot be processed through the app."},{"query":"Which correspondent bank should I use for payments in Belarusian Rouble (BYN)?","response":"For payments in Belarusian Rouble (BYN), you should use Closed Joint-Stock Company \u2018Alfa-Bank\u2019, located at Minsk 43-47, Surganova Street, 220013 Minsk, Belarus."},{"query":"Is Replenishment Operation in rubles only?","response":"Yes, the operation is performed in Russian rubles."},{"query":"Who is involved in Alfa-Bank\u2019s debt resolution process?","response":"The bank is working with regulators and foreign financial institutions to address its outstanding payment obligations under the Loans and LPNs."},{"query":"Need to deposit multiple payments daily","response":"Cash Collection and Self Cash Collection are efficient options for inserting income into your account quickly and securely."},{"query":"no collateral needed for leasing?","response":"Yes, no collateral is required. The leased asset itself is used as security."},{"query":"What if I already have an Alfa-Bank card?","response":"The loan will be linked to your existing card, and the funds will go directly into your account."},{"query":"What is Alfa-Bank\u2019s approach to transparency?","response":"Alfa-Bank prioritizes transparency by publishing all reports, both financial and non-financial, on its public website."},{"query":"Can my business get any benefits from cash clearing with Alfa-Bank","response":"Yes, businesses can benefit from the features and advantages of Alfa-Bank\u2019s cash clearing services and related activities."},{"query":"Alfa-Bank official name","response":"The full name of the bank is JOINT-STOCK COMPANY \"ALFA-BANK\"."},{"query":"Does cashback work differently for Premium card?","response":"Yes, the Premium card has a higher monthly cashback cap (15,000 points) and allows transactions up to 500,000 rubles for cashback eligibility."},{"query":"why no unionpay?","response":"Alpha-Bank supports MasterCard Worldwide, Visa International, and the national payment system MIR."},{"query":"Can I repay the overdraft anytime?","response":"Yes, you can repay the overdraft at any time. Failure to repay by the day\u2019s end results in conversion into an overnight loan."},{"query":"Required papers for investment deposits","response":"The necessary documents are the Agreement, Risk declaration, and Application for accession."},{"query":"can i extract eur at a foreign atm","response":"No, but you can withdraw the local currency and exchange it at a currency exchange office."},{"query":"What if my device can\u2019t install the Mobile Bank app?","response":"Your device must permit installation of the Mobile Bank app to qualify as a mobile device."},{"query":"I lost the activation instructions. Help activate my card","response":"Go to All my products \u2192 Card account \u2192 Set a PIN code in the app or Alfa-Online to activate your card."},{"query":"Can I send 100k through SBP","response":"Yes you can send amounts over 100 000 RUB via SBP with zero commission."},{"query":"i purchased a lottery ticket. is cashback possible?","response":"No, lottery tickets and gambling-related transactions (MCC 7995) are excluded from cashback."},{"query":"Positive outlook on Alfa-Bank ratings. What does it indicate?","response":"A Positive outlook means that the Analytical Credit Rating Agency expects a potential upgrade to Alfa-Bank\u2019s credit rating in the future."},{"query":"What if my stateless ID doesn\u2019t match the listed options?","response":"Check if your document is covered by federal laws or recognized through an international treaty of the Russian Federation. If yes, it is valid."},{"query":"Alfa-Bank\u2019s research analysts based in Moscow?","response":"Yes, Alfa-Bank employs internationally recognized analysts in Moscow who generate in-depth company, sector, and market strategy reports for clients."},{"query":"What makes ECA financing better than regular loans?","response":"ECA financing is more cost-effective, offers extended repayment periods (up to ten years), and includes a grace period."},{"query":"How do I start trading equities with Alfa-Bank?","response":"You can start by opening a brokerage account through the Alfa-Bank app under 'Investments', via Alfa-Online under 'Trade', or in person at a branch."},{"query":"i need a hedging strategy for libor","response":"Alfa-Bank offers interest-rate swaps and options tied to the Libor index for hedging."},{"query":"primary market access","response":"Alfa-Bank grants access to equity primary markets for clients seeking IPOs or placements."},{"query":"How does Alfa-Bank calculate interest for early repayment?","response":"Interest is calculated on the full loan amount from the day it is issued. If repaid early, the repayment includes the interest accrued up to the repayment date."},{"query":"Can order credit card without visiting a branch?","response":"Yes, you can apply entirely online through the Alfa-Bank website or mobile app without visiting a branch."},{"query":"what happened to alfa-bank\u2019s credit standing?","response":"On September 23, 2024, ACRA reaffirmed Alfa-Bank\u2019s rating at AA+(RU) and revised the outlook to Positive, showing confidence in its stability."},{"query":"Minimum investment period","response":"The minimum investment period is 3 months."},{"query":"How to get a balance","response":"To get a certificate of available balance, use the mobile app or Alfa-Online."},{"query":"Who can process incoming RUB payments with Alfa-Bank?","response":"Alfa-Bank processes incoming RUB payments without restrictions for all clients."},{"query":"What are Alfa-Bank\u2019s main sustainability goals?","response":"Alfa-Bank\u2019s main goals include helping society, caring for nature, improving customer service, supporting employees, and fostering a healthy corporate environment through effective ESG management."},{"query":"What certificates can I get?","response":"You can request the certificate of available balance (in Russian or English), certificate of credit presence or absence, account statement, or credit statement."},{"query":"Cash pooling","response":"Cash pooling allows you to control the account balances of the Group of Companies effectively."},{"query":"non personalized card vs regular","response":"A non-personalized card works just like a regular Alfa debit card but offers faster access\u2014you can pick it up at a branch in 10 minutes without ordering it in advance, while a regular card requires processing time."},{"query":"mir pay international availability","response":"Mir Pay works abroad in Armenia, Kyrgyzstan, and Kazakhstan."},{"query":"Online deposits available for corporate accounts","response":"Yes, corporate clients can open online deposits through the online banking system."},{"query":"Margin trading fx forex","response":"Margin trading allows forex trading with leveraged access."},{"query":"Alfa Bank Fixed Income","response":"Alfa Bank\u2019s Fixed Income Division supports investment services on domestic and global markets for banks, corporates, asset management companies, hedge funds, insurance companies, and private investors."},{"query":"how to check my aeroflot miles?","response":"Activate your personal account at aeroflot.ru in the \"Aeroflot Bonus \u2192 Join the Program\" section to check and spend your miles. Until activation, miles will only accumulate."},{"query":"Does Alfa-Bank support international trading for Russian assets?","response":"Yes. Alfa-Bank\u2019s trading teams are active in New York, London, and other European cities, facilitating access to global exchanges listing Russian securities."},{"query":"i want mobile banking for corporate accounts","response":"Use Alfa Business Mobile, the mobile app for managing business accounts from a smartphone or tablet."},{"query":"Can I get cashback for multiple transactions?","response":"Yes, as long as the total monthly points (5,000 for regular\/15,000 for premium) and per-transaction limits are not exceeded."},{"query":"When will Alfa-Bank repay its debt?","response":"Alfa-Bank aims to fulfill its remaining payment obligations whenever it becomes technically and legally possible, as stated in their commitment to being a responsible borrower."},{"query":"Does the Free Alfa-Card have hidden fees?","response":"No, the Debit Alfa-Card is free forever and has no conditions, charges, or hidden fees."},{"query":"What\u2019s the main purpose of structured bonds?","response":"The main purposes are increasing investment returns in a convenient format, earning from market movements, and diversifying portfolios."},{"query":"Can personal loans be used for business expenses?","response":"No, personal loans are only for personal, household, or non-production-related needs and cannot be used for business or production purposes."},{"query":"is my card linked to one payment system?","response":"Cards are issued for specific systems (e.g., Visa or MIR). Use the relevant card for the system you need."},{"query":"Alfa-Bank contact phone","response":"The contact phone number for Alfa-Bank is +7 (495) 620-91-91."},{"query":"Certificate via app","response":"Yes, you can get a certificate in the mobile app by navigating to the Card account section and selecting \"Get certificate or statement.\""},{"query":"Is there a commission for converting the deposit to an alternative currency?","response":"No, there is no commission for converting the deposit to an alternative currency."},{"query":"What defines employee behavior at Alfa-Bank?","response":"Employees follow a Code of Ethics that establishes core values and work principles."},{"query":"alfa-bank privacy policy approval process","response":"The policy is approved by the Chairman of the Management Board under the authority specified in the bank\u2019s charter."},{"query":"Cost to replace card","response":"The cost to replace your card is 290 \u20bd. If you have the Premium tariff, reissuing is free."},{"query":"who is helping alfa-bank with debt repayment?","response":"Alfa-Bank is collaborating with regulatory bodies and foreign financial institutions to find appropriate ways to fulfill its payment obligations under the Loans and LPNs."},{"query":"What\u2019s the minimum sum for equipment import financing?","response":"The minimum sum for ECA-covered financing of equipment imports is $1,000,000."},{"query":"Steps to order via the app","response":"In the Alfa-Bank mobile app, go to \"All My Products,\" then select \"New Account or Product\" to order a card."},{"query":"office address needed","response":"The office address for Alfa-Bank is 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"Largest private bank in Russia?","response":"Alfa-Bank is the largest private bank in Russia with extensive banking services experience."},{"query":"My Code works only on my current device","response":"The Code may be used on only one Mobile Device. If you change devices, you may need to update your linked device."},{"query":"sbp definition","response":"SBP stands for Fast Payment System which enables instant phone number-based transfers."},{"query":"bond types you trade","response":"We trade corporate and sovereign bonds, including investment grade, high-yield, and distressed securities."},{"query":"What does Alfa-Bank consider a major business area?","response":"The retail business is an important area of Alfa-Bank\u2019s activity."},{"query":"Need existing account to order via app?","response":"If you already have an account with Alfa-Bank, you can order a card through the mobile app by navigating to \u201cAll My Products\u201d \u2192 \u201cNew Account or Product.\u201d"},{"query":"can i get credit card online without visiting bank?","response":"Yes, apply entirely online via the website or mobile app\/Alfa-Online if you have an existing account."},{"query":"MasterCard and Visa supported?","response":"Yes, Alfa-Mobile supports MasterCard Worldwide and Visa International as international payment systems."},{"query":"How can I verify the status of my referral rewards?","response":"Check the status of your rewards in the app or Alfa-Online under Money for you and your friends \u2192 Debit card \u2192 Recommend."},{"query":"Will I get cashback for paying a fine?","response":"No, payments for fines (MCC 7322, 9222, etc.) do not earn cashback."},{"query":"i have a document issued by a foreign state. what else do i need?","response":"Your foreign-issued document must be recognized under an international treaty of the Russian Federation to be valid as an identity document for a stateless person."},{"query":"Accession application is required?","response":"Yes, the Application for Accession is part of the required documents."},{"query":"What\u2019s the requirement for a cash loan with an Alfa-Bank salary card?","response":"Only a Russian passport is required for a cash loan if your salary is credited via Alfa-Bank."},{"query":"minimum asset value for real estate leasing","response":"The leased real estate must be valued at a minimum of RUR50 million."},{"query":"can i get eco-envelopes for other items besides cards?","response":"The eco-envelopes are currently used for plastic cards within Alfa-Bank\u2019s initiatives, as described."},{"query":"Use debit card to receive salary?","response":"Yes, your debit card can be used to receive salary, pension, or benefits."},{"query":"What is a cash loan at Alfa-Bank?","response":"A cash loan is an unsecured loan for any purpose you may have."},{"query":"Can I use the cash loan for home repairs?","response":"Yes, a cash loan can be used for any purpose, including home repairs."},{"query":"what if i already have an alfa-bank card?","response":"If you already have an Alfa-Bank card, the loan will be linked to it, and the funds will be credited to your existing card\u2019s account."},{"query":"Untrusted source warning on Android","response":"If you see a warning about an untrusted source during installation, the app is still legitimate. Tap **Download anyway \u2192 Allow installation** to proceed."},{"query":"business wants to participate in quality seal","response":"Join the annual Quality Seal competition by submitting your business to the bank\u2019s own selection methodology for rewards and recognition."},{"query":"Where is the Alfa-Bank headquarters located?","response":"Alfa-Bank headquarters are located at 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"my premium card gives 15k cashback?","response":"Yes, the Alfa Premium Card under the Premium tariff allows up to 15,000 Alfa points per month in cashback."},{"query":"How do I add Alfa-Online to my home screen?","response":"Open Alfa-Online in Safari. Tap **Share** at the bottom of the screen. Select **Add to Home Screen**. Log in to Alfa-Online using your card number. Create a login and password. Tap **Save password** so you don\u2019t have to enter it every time."},{"query":"What about my credit card fees once I cancel it?","response":"If the card is immediately closed, you won\u2019t be charged any fees and won\u2019t owe anything."},{"query":"What is the main difference between named and unnamed Alfa debit cards?","response":"The main difference is that a named card has the cardholder\u2019s name and surname printed on it, while an unnamed card does not."},{"query":"Is Internet required for all transactions?","response":"Yes, the Internet is essential for all mobile banking transactions and services."},{"query":"If I withdraw local currency abroad, can I get USD?","response":"Yes, after withdrawing the local currency from a third-party ATM abroad, you can exchange it for USD at a currency exchange office."},{"query":"bond start-up finance","response":"We finance clients during initial bond placements."},{"query":"Does Alfa-Bank follow Russian laws for data protection?","response":"Yes, Alfa-Bank strictly complies with Russian laws and monitors legal and technological innovations in data protection."},{"query":"Can I print my loan statement directly from the app?","response":"Yes, after downloading the PDF statement from the app, you can print it immediately."},{"query":"Minimal documentation to open an account","response":"Account opening requires a small set of documents, making the process fast and straightforward."},{"query":"Bond placements fx finance","response":"Yes, we finance initial bond placements in major currencies."},{"query":"What online banking options are available for corporate clients?","response":"Corporate clients can use Alfa Business Online for online account access from any PC and Alfa Business Mobile for managing accounts from a smartphone or tablet."},{"query":"alfa repo experience","response":"Alfa Bank\u2019s Fixed Income Division has 15+ years of experience in providing REPO-based financing services."},{"query":"ruAA+ Alfa-Bank","response":"Alfa-Bank has a national-scale credit rating of ruAA+ with a Stable outlook."},{"query":"Is linking my card to the app safe?","response":"Linking your card to the app allows automatic payments to trusted services, but ensure you choose secure platforms (e.g., official taxi or streaming apps) to maintain safety."},{"query":"Is there any collateral required for corporate leasing?","response":"No collateral is required. The leased asset itself is used as security."},{"query":"Can a foreign resident apply for vehicle leasing?","response":"No, the lessee must be a resident of the Russian Federation."},{"query":"What\u2019s the paper-saving impact?","response":"Alfa-Bank saves 200 tons of paper yearly, protecting 7 hectares of forest or 3,000 trees."},{"query":"i need to know about currency conversion when withdrawing the deposit","response":"When withdrawing, the deposit can be returned to an alternative currency at the conversion rate specified in the agreement, with no commission applied."},{"query":"what counts as min payment","response":"The minimum payment is a portion (3\u201310%) of your total debt, ensuring no less than \u20bd300 is paid monthly."},{"query":"Fee charged after purchase?","response":"Yes, the quasi-cash fee is applied after the transaction when we identify the merchant\u2019s MCC code. You won\u2019t see the fee at the moment of purchase."},{"query":"want to process online payments without changing my website","response":"Acquiring and E-commerce solutions both allow online payments acceptance for goods and services without website fine-tuning."},{"query":"What is Host-to-Host integration in corporate banking?","response":"Alfa Link (Host-to-Host) refers to a dedicated integration channel for remote account management in corporate banking."},{"query":"grace period reset","response":"The grace period resets during the day after you fully repay your credit card debt. Check your app or Alfa-Online for confirmation."},{"query":"Metal swaps options?","response":"Alfa-Bank offers commodity swaps and options strategies for metals, including both ferrous and non-ferrous varieties."},{"query":"can i skip income proof for loan under 300k?","response":"Yes, if you do not have an Alfa-Bank salary card. For loans under 300,000 \u20bd, the passport is the only document required."},{"query":"What is a credit card?","response":"A credit card is a payment card that allows you to borrow money from the bank."},{"query":"Certificates and statements debit card?","response":"For certificates and statements related to your debit card, use the Alfa-Bank app. Go to \"Card account\" and choose \"Certificates and statements.\""},{"query":"Cashback not appearing","response":"Confirm you followed the offer rules (e.g., no VPN) and that the partner hasn\u2019t set a purchase cap. Cashback is credited on the 10th."},{"query":"Early repayment not working app?","response":"If you're having trouble repaying through the app, ensure your funds are in the account or expected by 11:00 PM Moscow time. The app will then process your early repayment."},{"query":"Why do I need to turn off myVPN for cashback?","response":"Using aVPN can prevent some partner offers from working, so it\u2019s recommended to disable it."},{"query":"Cash withdrawal limit increases after loan","response":"The cash withdrawal limit increases by the amount of your cash loan for 30 calendar days."},{"query":"Why am I being charged interest after the grace period?","response":"If you don\u2019t repay the debt during the grace period, interest is calculated on the full amount and for the full usage period."},{"query":"Does Alfa-Bank prioritize employee well-being?","response":"Yes, Alfa-Bank supports its employees and creates a healthy corporate environment as part of its sustainability principles."},{"query":"is sbp transfer instant?","response":"Yes, money is credited immediately through SBP transfers."},{"query":"How are payments handled during holidays in Russia?","response":"Book transfers can be processed during holidays up to 18:00 Moscow time, but real-time transfers through the Bank of Russia system adhere to standard working hours."},{"query":"Are my preferences stored for services?","response":"Yes, we store user preferences and settings to improve website and app functionality, as part of our data processing for service development."},{"query":"my card is new and not working","response":"Ensure your card is activated by opening the Alfa-Bank app or Alfa-Online, going to \"All my products \u2192 Card account,\" and setting your PIN code."},{"query":"SBP for big transfers","response":"SBP allows transfers of more than 100 000 RUB with no additional fees."},{"query":"can i make a book transfer at 8pm on friday?","response":"Yes, book transfers are accepted 24\/7 on business days, so Friday at 8pm is within the processing window."},{"query":"Are my biometric data stored or used?","response":"Yes, we process biometric personal data, such as face and voice images, for transmission to the Unified Biometric System."},{"query":"Does Alfa-Bank use Visa or MasterCard?","response":"Yes, Alfa-Bank is a member of both Visa International Service Association and MasterCard Europe Service Association."},{"query":"does alfa-bank support social projects?","response":"Yes, we support and develop projects focused on solving social, environmental, and management problems. Explore our social and ESG reports for specifics."},{"query":"What can I do with my credit card?","response":"With your credit card, you can pay for goods and services (including online and via QR code), withdraw cash from ATMs, make transfers, and repay credit cards from other banks."},{"query":"what\u2019s the minimum loan amount for corporate leasing?","response":"The minimum one-time financing amount is 30 million Russian Rubles (RUR30 mln)."},{"query":"equity capital market services","response":"Alfa-Bank includes equity capital market advisory services as part of its corporate finance range."},{"query":"NFC vs Wi-Fi","response":"NFC is a short-range, high-frequency communication technology for quick data exchanges, while Wi-Fi is a broader wireless network standard for internet connectivity over longer ranges."},{"query":"Bond fx finance","response":"Yes, we finance clients at initial bond placements in global currencies."},{"query":"Participation with leverage means?","response":"It means the income is generated through participation in a financial instrument with the use of leverage, enhancing exposure beyond the base asset."},{"query":"How to get more cashback?","response":"Ensure all transactions stay below 100,000 rubles (regular) or 500,000 rubles (premium) and stay within the monthly point limits."},{"query":"High frequency communication NFC","response":"NFC is a high-frequency communication technology operating within the near-field range to enable data exchange between devices."},{"query":"Documents required for structured deposits","response":"The Agreement, Risk Declaration, and Application for Accession are the mandatory documents for structured deposits."},{"query":"early repayment allowed?","response":"Early repayment is not defined."},{"query":"referral rewards not showing","response":"Review your referral rewards in the app\u2019s referral section (Money for you and your friends \u2192 Debit card \u2192 Recommend). If missing, update the app."},{"query":"How does the LPNs Programme finance Alfa-Bank?","response":"Through the issuance of Loan Participation Notes by Alfa Bond Issuance plc, using the U.S. $5,000,000,000 Programme funds."},{"query":"Where can I view the full policy?","response":"The full policy and related documents are available on the Alfa-Bank website."},{"query":"how does alfa-bank protect my personal data?","response":"We implement legal, organizational, and technical measures to ensure compliance with Russian law, conduct internal audits, and monitor processes to prevent violations of personal data protection regulations."},{"query":"How to log in to Alfa-Online for the first time","response":"Open the Alfa-Online shortcut (added to your home screen), enter your card number to log in, create a login and password, and tap **Save password** for future use."},{"query":"Can I prevent my data from being used for marketing?","response":"Yes, you have the right to request restriction of processing for promotional purposes."},{"query":"Are there specific structured products for liability side?","response":"Alfa-Bank offers structured finance products applicable to both asset and liability side situations, using hybrid approaches."},{"query":"how to avoid commission on cash withdrawals","response":"To avoid commission, use a credit card with the free cash withdrawal feature and stay within the monthly limit of \u20bd50,000. Confirm your eligibility in the app under Credit card \u2192 Tariffs."},{"query":"Can I get cashback for duplicate cart items?","response":"No\u2014addItem to cart after clicking Go to shopping to ensure cashback eligibility. Prior cart items may disqualify you."},{"query":"Can you organize road-show events for my IPO?","response":"Yes, we organize road-shows as part of our IPO\/SPO services to promote your offering to potential investors."},{"query":"Why did I get a new card?","response":"If you don\u2019t already have an Alfa-Bank card, we issue a free one to receive your loan funds. If you do, the funds go to your existing card."},{"query":"I lost my card, what do I do?","response":"You can block and reissue your card yourself via the Alfa-Bank app or Alfa-Online."},{"query":"Can I withdraw cash using my credit card?","response":"Yes, you can withdraw cash from ATMs using your credit card."},{"query":"Does Alfa-Bank process data of job applicants?","response":"Yes, Alfa-Bank processes personal data of job applicants."},{"query":"Can I lease commercial vehicles?","response":"Yes, Alfa-Bank offers leasing for vehicles, including commercial models."},{"query":"credit derivatives explained here","response":"Credit derivatives are part of our structured finance offerings."},{"query":"does alfa-bank process biometric data","response":"Yes, biometric personal data are among the categories Alfa-Bank processes."},{"query":"Why choose Alfa-Bank for structured finance?","response":"Alfa-Bank leads in structured finance for corporate clients and offers unique, customer-specific solutions unavailable elsewhere in Russia."},{"query":"how does returning money affect my credit?","response":"Returning money through a refund operation increases your Remaining Limit as the merchant repays part of your debt in Russian rubles due to legal or contractual reasons."},{"query":"How do I transfer money from my credit card?","response":"You can transfer money by phone number or card number between your accounts via the mobile app or Alfa-Online in the \u201cPayments\u201d section."},{"query":"What\u2019s the focus of Alfa-Bank\u2019s equities division?","response":"The division is dedicated to Russian markets, offering Western expertise and local insights to serve global investors with a focus on CIS equities."},{"query":"Is Alfa Bond Issuance plc the borrower under the LPNs Programme?","response":"No, the borrower is Joint Stock Company \u201cALFA-BANK\u201d. Alfa Bond Issuance plc issues the notes but has limited recourse."},{"query":"Deposit cash to corporate account fast","response":"Use Self Cash Collection via ATM online to insert your income directly into the current account."},{"query":"How long after repayment does the grace period reset?","response":"The grace period resets during the day immediately following full repayment of your debt."},{"query":"Can a PDA be used as a mobile banking device?","response":"Yes, a mobile device with added PDA functionality qualifies as a valid device for Mobile Bank."},{"query":"Why add Alfa-Online to home screen?","response":"Adding Alfa-Online to your home screen makes it easier to access by simulating an app without downloading it to your device."},{"query":"credit amount for belarusian goods?","response":"The maximum loan amount is 90% of the total goods\u2019 cost."},{"query":"What currencies are eligible for interest accrual?","response":"Interest is accrued on balances in RUB, USD, and EUR."},{"query":"App not available on Apple App Store","response":"iPhones cannot install the app via the App Store. You can request a bank employee to install it for you at home or at a branch."},{"query":"how do indexed deposits help with market risks?","response":"Indexed deposits allow you to invest in stock, commodity, or currency markets in a break-even format, helping to hedge against market risks."},{"query":"What types of leasing products does Alfa-Bank offer for corporate clients?","response":"Alfa-Bank offers leasing for vehicles, real estate, leaseback, and refinancing of existing leasing portfolios for large and medium corporate clients."},{"query":"no minimum payment threshold","response":"The minimum payment has a fixed threshold of \u20bd300. If your calculated percentage is below 300, you\u2019ll need to pay the full amount instead."},{"query":"Is there a waiting period for account closure?","response":"Yes, the account will be fully closed after 45 days from the request submission."},{"query":"How does SBP transfer work?","response":"SBP transfers use a phone number to send money to a Russian bank card instantly, with no commission applied regardless of the transfer amount."},{"query":"Which clients are eligible for investment structured products?","response":"Our target clients include corporate clients (Russian-based or with Russian assets), commodity traders, and financial institutions."},{"query":"Can I use the full remaining limit at once?","response":"You can use up to the maximum remaining limit (15,000 rubles for unverified users) simultaneously for payments."},{"query":"fee if cash withdrawn under 30 days","response":"If the money has been in your account for less than 30 days, a fee will be charged regardless of the amount withdrawn at a cashier."},{"query":"bond forex finance","response":"Yes, we finance initial bond placements in major currencies."},{"query":"Missed loan payment","response":"You\u2019ll incur a daily fee of 0.1% on the overdue amount."},{"query":"Cashback on app","response":"You can view and track your cashback in the **Your Total Cashback** section of the Alfa-Bank mobile app."},{"query":"Energy products covered?","response":"Energy derivatives such as oil, oil products, and coal are supported through Alfa-Bank\u2019s commodity solutions."},{"query":"Mir card availability","response":"Alfa-Bank issues Mir cards. To confirm availability for your account, use the mobile app, Alfa-Online, or visit the bank\u2019s website."},{"query":"free cash withdrawal partner banks?","response":"Alfa-Bank partners for commission-free withdrawals include B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, and Ural Bank for Reconstruction and Development."},{"query":"Is SBP transfer instant?","response":"Yes, money is credited immediately through SBP transfers."},{"query":"Want to cash out without extra charges","response":"Use ATMs at partner banks like B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, or Ural Bank for Reconstruction and Development for free cash withdrawals."},{"query":"How to confirm my card uses Mir?","response":"You can verify the payment system for your debit card in the mobile app, Alfa-Online, or by visiting the bank\u2019s website."},{"query":"When will interest payments resume?","response":"Alfa-Bank has not yet received the necessary licences and remains unable to make payments. The timeline for license issuance is unclear."},{"query":"transfer to bookmaker. is that a quasi-cash?","response":"Yes, sending money to bookmakers is considered a quasi-cash transaction and may incur a charge."},{"query":"Need list of banks for free cash Alfa","response":"Partner banks for free cash withdrawals are B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, and Ural Bank for Reconstruction and Development."},{"query":"Can I find debt servicing rules in Bank of Russia decisions?","response":"Yes, Decisions of the Bank of Russia Board of Directors are part of the legislation governing debt under Loans and LPNs."},{"query":"What rate is applied to overdue cash loans?","response":"A daily rate of 0.1% is applied to the unpaid balance."},{"query":"How do I save my password in Alfa-Online so I don\u2019t have to re-enter it?","response":"After logging in, tap **Save password** to store it securely, so you won\u2019t need to enter it again each time."},{"query":"online payments with old expiration date","response":"For online transactions, continue using the expiration date you initially received, as it has not changed."},{"query":"what projects does alfa-bank support to promote sustainability?","response":"Alfa-Bank develops and supports projects focused on solving social, environmental, and management problems."},{"query":"Alfa-Academy what courses available","response":"Alfa-Academy is a corporate university offering modern courses taught by Alpha Academy trainers and invited experts."},{"query":"Feedback on privacy policy form","response":"Access the feedback form on the bank\u2019s website and specify \"Privacy Policy\" as the subject for your submission."},{"query":"underlying asset options available","response":"You can choose from currency, commodity, index, or stock as the underlying asset."},{"query":"How long does it take to close a credit card agreement after I request it?","response":"If there are no transactions on your credit card after requesting to close the agreement, it will be closed 45 days later."},{"query":"Need certificate for my card?","response":"To get a certificate, open the Alfa-Bank app, go to the Card account section, and select Certificates and statements."},{"query":"min down payment required","response":"The advance payment starts at 15%."},{"query":"Fee charged for less than 30 days deposit?","response":"Yes, if the money has been in your account for less than 30 days, a fee is charged regardless of the withdrawal amount."},{"query":"Can I use my passport without translation?","response":"No, a notarized translation of your foreign passport or identity document into Russian is required."},{"query":"Why did the rating stay ruAA+?","response":"Expert RA maintained Alfa-Bank\u2019s rating at ruAA+ as of April 9, 2025, with a Stable outlook, reflecting continued creditworthiness."},{"query":"How do I know if I qualify for a personal loan?","response":"Before applying, evaluate your financial need for the loan and your ability to meet all repayment obligations based on your budget."},{"query":"Bond forex finance","response":"Yes, we finance initial bond placements in major currencies."},{"query":"Legal status of online card certificates","response":"The digital certificate generated via the mobile app or Alfa-Online has equal legal validity to a printed certificate."},{"query":"what is the minimum leasing limit required?","response":"The minimum leasing limit is 100 million RUB."},{"query":"Do you coordinate with stock exchanges during IPO\/SPO?","response":"Yes, we act as a liaison between the client and stock exchanges, as well as relevant authorities, to facilitate a smooth offering process."},{"query":"I need the Application for accession form","response":"The Application for accession is one of the required documents for investment structured products and deposits."},{"query":"How does leasing reduce taxable income?","response":"Leasing payments are fully charged to costs, reducing the taxable income base, which helps lower income tax."},{"query":"I paid via QR code. Why no cashback?","response":"QR payments do not earn cashback."},{"query":"what about travel insurance partnerships","response":"Alfa-Bank supports travel-related initiatives through the Russian Union of Travel Industry."},{"query":"no collateral needed?","response":"Correct, the leased asset serves as security, so no additional collateral is required."},{"query":"Do online payments require the updated expiration date?","response":"No, use the old expiration date for online payments; the validity extension applies only to physical transactions."},{"query":"Card Token not working?","response":"Refer to the Bank\u2019s Website for procedures on creating and using Card Tokens in your Mobile Payment Service."},{"query":"margin trading fx forex","response":"Margin trading includes forex as part of the underlying assets."},{"query":"No option to take euros overseas","response":"You cannot withdraw euros directly from a third-party ATM abroad. You must withdraw the local currency first, then exchange it for euros at a currency exchange office."},{"query":"How do I freeze my credit card from the app?","response":"Open the mobile app, go to the main screen, tap \"All my products\" \u2192 \"Card\", then select \"Freeze card.\""},{"query":"What if I lose my 2-NDFL certificate?","response":"For loans over 300,000 \u20bd without an Alfa-Bank salary card, you can substitute the 2-NDFL certificate with a certificate in the bank's format."},{"query":"Can the company be a private entrepreneur?","response":"Yes, the lessee can be a legal entity or a private entrepreneur incorporated in the Russian Federation."},{"query":"Can I access Alfa-Online without installing anything?","response":"Yes, Alfa-Online is a browser-based service and doesn\u2019t require downloading or installing any software."},{"query":"How to withdraw the loan money?","response":"Withdraw cash from the free debit card at any ATM, or transfer the funds via the Alfa-Bank mobile app."},{"query":"How can I check which payment systems my card uses?","response":"You can view the payment systems available to you in the Alfa-Bank mobile app, Alfa-Online, or on the bank\u2019s website."},{"query":"Get transaction statements","response":"Transaction statements and account balance certificates are available directly in the app."},{"query":"Taking out USD from international ATMs","response":"You cannot withdraw USD directly from third-party ATMs abroad. Withdraw the local currency and exchange it for USD at a currency exchange office."},{"query":"Do you help with global bond placements?","response":"Yes, our team enables participation in initial bond placements worldwide through expert brokerage and analytical support."},{"query":"Business location requirements?","response":"The business must be registered and located in a region where Alfa-Bank has a presence."},{"query":"How does Alfa-Bank protect personal data from cyber threats?","response":"We identify threats during data processing, apply organizational and technical measures in line with Russian regulations, use certified tools to neutralize risks, evaluate the effectiveness of security before system launches, and take actions to detect, prevent, and mitigate unauthorized access or cyberattacks."},{"query":"45 days to close agreement","response":"Yes, the credit agreement will be closed 45 days after your request if no operations take place on the card."},{"query":"Register Mobile Bank account","response":"Supply your Phone Number, last name, first name, patronymic, and date of birth to register."},{"query":"How to increase cashback on my card?","response":"Maximize cashback by staying within the transaction limit of 100,000 rubles for regular cards or 500,000 rubles for premium cards."},{"query":"What documents do I need for permanent stay in Russia without citizenship","response":"You must obtain a residence permit in the Russian Federation."},{"query":"How does Quality Seal work","response":"It\u2019s an annual competition awarding businesses for best practices with gifts from the bank."},{"query":"Need to manage accounts receivable","response":"The receivables register is a convenient tool to help you minimize and manage accounts receivable effectively."},{"query":"Awards for business clients?","response":"We\u2019re the best bank for business according to Markswebb and the best in Russia by Euromoney."},{"query":"can i order a card without an account?","response":"You can order a debit card online or via the app without an existing account. However, additional cards require an existing account. Limits apply to the number of additional cards per person."},{"query":"cashback timing","response":"Bonus points appear in your app 2 days after settlement is completed."},{"query":"How does the bank assist with bond strategy?","response":"Our team\u2019s dedication ensures we deliver suitable bond trading opportunities aligned with your specific investment objectives."},{"query":"No collateral needed","response":"Leasing does not require collateral\u2014security is the leased asset itself."},{"query":"Can I use the Bank\u2019s website on a smartphone?","response":"Yes, the Bank\u2019s website and its software are compatible with smartphones and other mobile devices."},{"query":"What is the Life Line Fund that Alfa-Bank supports?","response":"Life Line Fund is a charitable foundation whose initiatives to save seriously ill children Alfa-Bank has been supporting for 17 years."},{"query":"certifcates for my card","response":"To get a certificate for your debit card, use the mobile app or Alfa-Online: Card account \u2192 Certificates and statements. The PDF file will be sent to your email and saved in your online banking area."},{"query":"minimum ios version required for alfa-bank app?","response":"The app requires iOS version 9 or higher."},{"query":"Grace period over and charges applied","response":"If the grace period has ended and the debt remains unpaid, interest will be charged on the full amount for the entire usage period."},{"query":"after closing my card, can i use the account still?","response":"Yes, your linked account stays active after card closure. You can use it normally unless you decide to close the account yourself."},{"query":"I need help understanding Russian company valuations","response":"Alfa-Bank\u2019s fundamental research focuses on in-depth company valuations, leveraging analysts\u2019 industry expertise and unconventional data sources to deliver insights for informed investment decisions."},{"query":"Can I repay my loan fully through the app?","response":"Yes, you can use the mobile app to repay the loan entirely by selecting **Your loan account \u2192 Repay early**."},{"query":"margin trading forex and stocks","response":"Margin trading supports forex, stocks, and other assets."},{"query":"Can i sign but not sure about payments?","response":"No, you must be certain you can meet the repayment obligations before signing the loan agreement to avoid legal risks."},{"query":"Get cash from atm with my card?","response":"Yes, you can withdraw cash at ATMs using your Alfa-Bank debit card."},{"query":"Short range wireless tech for data exchange","response":"NFC (Near Field Communication) is a short-range wireless high-frequency technology that facilitates data exchange between devices."},{"query":"do you help with global bond placements?","response":"Yes, our team enables participation in initial bond placements worldwide through expert brokerage and analytical support."},{"query":"Alfa-Bank China rating status","response":"Alfa-Bank\u2019s credit rating in China is AA- with a Stable outlook."},{"query":"What Russian legal documents apply to debt servicing under Loans and LPNs?","response":"The current legislation includes Executive Orders of the Russian President, Decisions by the Bank of Russia Board of Directors, and Official clarifications from the Bank of Russia."},{"query":"Alfa-Bank extra services list?","response":"Extra services include communication procedures, Russian-related assistance, and liquidity support solutions."},{"query":"access business banking online","response":"Use Alfa Business Online to access your account remotely via any PC."},{"query":"How to verify app download","response":"Open the app, go to the footer in settings, and tap the info icon next to the app version."},{"query":"How is the additional rate verified?","response":"The additional rate is calculated based on the underlying asset\u2019s performance and is confirmed by the bank during settlement."},{"query":"difference between online and paper deposits","response":"Online deposits are handled through the online banking system, while paper deposits require submitting an application in print format."},{"query":"How long can I get financing for my import contracts?","response":"The period for tied credits is up to one year, and for letters of credit, it\u2019s up to three years."},{"query":"Can I pay a bill with overpaid funds?","response":"Yes, the funds can be used for purchases directly or transferred in the mobile app under **Payments \u2192 Transfer method**."},{"query":"where are alfa-bank\u2019s equities trading teams active?","response":"Alfa-Bank\u2019s sales and trading teams operate on all exchanges listing Russian securities, including the Moscow Exchange (MOEX) and trading floors in New York, London, and other European cities."},{"query":"Mobile Bank user verification","response":"The Bank uses verification to identify users during interactions for Agreement-bound operations."},{"query":"What happens if my LPN rights aren\u2019t recorded in the Russian clearing system?","response":"Alfa-Bank cannot process your LPN payments in rubles unless your rights are registered via Russian depositories in the Russian clearing system."},{"query":"What if a bank staff leaks my info?","response":"Employees who violate data protection regulations are held accountable under applicable laws, and violations are reported to the responsible person for investigation."},{"query":"Retail banking at Alfa?","response":"Alfa-Bank emphasizes retail banking as a significant part of its operations."},{"query":"leveraged finance available","response":"Yes, leveraged finance is part of our structured finance offerings."},{"query":"mobile app available?","response":"Yes, our app is the best in Russia and Central and Eastern Europe."},{"query":"found my card after blocking can i use","response":"Yes, if you find a blocked card, you can unblock it in the Alfa-Bank app or Alfa-Online and continue using it."},{"query":"documents about lpns servicing","response":"Servicing of LPNs follows Russian laws including Presidential Executive Orders, decisions from the Bank of Russia Board of Directors, and the Bank\u2019s official clarifications."},{"query":"Can I repay more than my monthly payment?","response":"Yes, you can submit a request for full or partial early repayment if you want to pay more than your scheduled monthly payment."},{"query":"SMS alerts free for Premium holders?","response":"Yes, SMS notifications are free for Premium clients or the first payroll card."},{"query":"Credit card cash withdrawal allowed","response":"Yes, you can withdraw cash from ATMs using your credit card."},{"query":"Coffee points inside office?","response":"Alfa-Bank offices include coffee points for employees' convenience."},{"query":"Do I get rewards for using my debit card?","response":"Yes, Alfa-Bank rewards you with bonuses, miles, or up to 100% cashback for payments made with your debit card."},{"query":"Can I close my card through the app?","response":"Yes, you can close your card immediately by sending a request through the app Chat."},{"query":"Can I get a higher rate by depositing more money?","response":"Yes, the deposit amount is one of the factors that influence the interest rate for your deposit."},{"query":"21 years old required","response":"Correct, you need to be over 21 to qualify."},{"query":"Are there any restrictions for cash withdrawal in Tajikistan?","response":"Yes, cash withdrawal in Tajikistan is only available in Dushanbe City at banks participating in the Express Pay payment system."},{"query":"I need to know about cash clearing benefits","response":"Clients benefit by accessing features and advantages of Alfa-Bank\u2019s cash clearing and related activities."},{"query":"Is business experience required?","response":"Yes, the company\u2019s business experience must be at least 18 months."},{"query":"Debit card for payments?","response":"Yes, you can use a debit card to pay for purchases, withdraw cash, transfer money, or receive salary and pension."},{"query":"International services?","response":"Most services are accessible online from anywhere in the world, though branches are in 250 cities."},{"query":"Referral rewards not showing","response":"Review your referral rewards in the app\u2019s referral section (Money for you and your friends \u2192 Debit card \u2192 Recommend). If missing, update the app."},{"query":"what other payments are part of a personal loan agreement?","response":"You may have to pay fees for reviewing loan documents, account maintenance, fund transfers, insurance, collateral agreements, or third-party payment services."},{"query":"How does Alfa-Bank help insurance companies with structured products?","response":"Through an in-house repackaging program, Alfa-Bank allows insurance companies to issue structured derivative notes tailored to their requirements."},{"query":"What if I have no loans?","response":"The certificate will explicitly state that there are no loans in your account."},{"query":"can i place a deposit without visiting a bank branch?","response":"Yes, you can open an online deposit through the online banking system without visiting a branch."},{"query":"what is the minimum total financing amount?","response":"The minimum total financing amount for equipment leasing is RUR150 mln."},{"query":"Types of leasing available for our company?","response":"Alfa-Bank offers leasing for vehicles, real estate, leaseback, and refinancing of existing leasing portfolios for large and medium corporate clients."},{"query":"free cash withdrawal expires when?","response":"The free cash withdrawal limit of \u20bd50,000 resets on the 1st of each month."},{"query":"What is the account number for Belarusian Rouble transactions?","response":"The account number for Belarusian Rouble (BYN) is BY66ALFA17020644300170270000."},{"query":"Blue stamp","response":"The certificate you receive will include a blue stamp from the bank, confirming validity."},{"query":"What\u2019s the purpose of the Electronic Log?","response":"The purpose of the Electronic Log is to maintain records of checks and actions taken under the Agreement and to serve as evidence in disputes."},{"query":"Fast company setup in Russia","response":"For company registration, we submit all necessary documents remotely, eliminating the need to visit Russia."},{"query":"How do I close my Alfa-Bank debit card?","response":"To close your Alfa-Bank debit card, go to the main screen of the mobile app or Alfa-Online, select All my products \u2192 Card \u2192 Close card."},{"query":"Need account to trade stocks?","response":"Yes, you must open a brokerage account through the Alfa-Bank app, Alfa-Online, or a branch."},{"query":"What is the minimum total financing amount?","response":"The minimum total financing amount for equipment leasing is RUR150 mln."},{"query":"can a non-resident be part of the company?","response":"Yes, participation of non-residents of the Russian Federation and\/or government in the authorized share capital is allowed up to 49%."},{"query":"no cashback after purchase","response":"Check if you returned items, missed clicking the partner\u2019s button, or failed to meet conditions like minimum purchase amounts or city restrictions."},{"query":"do i get rewards for using my debit card?","response":"Yes, Alfa-Bank rewards you with bonuses, miles, or up to 100% cashback for payments made with your debit card."},{"query":"I\u2019m interested in structured bonds. What\u2019s available?","response":"One option is the Outperformance certificate, a structured bond with income based on participation with leverage and capital risk."},{"query":"Can I unblock a loan agreement after signing?","response":"No, once accepted, the loan agreement is binding. Ensure clarity before signing to avoid future complications."},{"query":"Minimum down payment for special vehicle leasing","response":"The minimum down payment is 20% of the vehicle's value."},{"query":"My registration failed. What info should I give?","response":"Ensure you input your Phone Number, last name, first name, patronymic, and date of birth."},{"query":"Card servicing charges for my old card","response":"Older cards may incur fees. Check their status via the mobile app or Alfa-Online."},{"query":"What\u2019s the main advantage of Alfa-Bank\u2019s services?","response":"The bank\u2019s extensive experience and widespread network allow for real-time cross-regional payments."},{"query":"Do I need e-signature to apply for factoring?","response":"Yes, financing through online factoring requires electronic documents and e-signatures."},{"query":"Saving password for Alfa-Online","response":"After logging in, tap \u201cSave Password\u201d so you don\u2019t have to enter your username and password every time you access Alfa-Online."},{"query":"How can I get business support through Alfa Private?","response":"Alfa Private acts as a one-stop shop for business tasks, offering support for complex investment and business needs alongside basic banking services."},{"query":"How to submit application for accession?","response":"The Application for Accession is required and should be submitted as part of your investment structured products process."},{"query":"Can you handle data of legal entity clients on their behalf?","response":"Yes, the bank processes data of clients of other legal entities on their behalf for processing purposes."},{"query":"margin trading available for forex?","response":"Margin trading is available for a wide range of underlying assets, including forex."},{"query":"Can I open an investment account in the app alone?","response":"Yes, you can open an investment account directly in the app without needing to visit a bank branch."},{"query":"Can I use my credit card to pay online?","response":"Yes, with your credit card, you can pay for goods and services online."},{"query":"What happens when a supplier refuses deferred payment?","response":"Alfa-Bank can still finance your import for up to three years via interbank lines, ensuring liquidity despite supplier restrictions."},{"query":"What\u2019s included in the additional services?","response":"Additional services include comfortable communication procedures, full assistance with Russian activities, and liquidity support solutions."},{"query":"loan statement not showing balance","response":"Ensure you\u2019ve selected the correct loan and updated the time period. The statement should always display the outstanding balance."},{"query":"Need to invest directly in shares?","response":"Alfa-Bank allows cash equities trading for direct stock investments."},{"query":"What sets structured deposits apart from regular deposits?","response":"Structured deposits are hybrid products offering higher interest rates than standard deposits and are specifically tailored for corporate clients."},{"query":"Annual fee for card maintenance?","response":"Most current cards have free lifetime service. Older cards may charge fees\u2014ask your manager."},{"query":"Where can I receive personal services for individuals?","response":"You can receive services for individuals at a Bank Branch, which operates as an additional office of ALFA-BANK."},{"query":"Online payments require entering card numbers?","response":"No, once your card is linked to online services, payments are processed automatically without re-entering the card number."},{"query":"How do I know when cashback is finalized?","response":"Look for the clock icon next to the purchase in your app; when it disappears, the cashback has been confirmed."},{"query":"Can I trust Alfa-Bank\u2019s legal compliance through their memberships?","response":"Alfa-Bank is a member of the Association of Corporate Lawyers, indicating legal and compliance affiliation."},{"query":"Can I use the relaxation zones?","response":"Yes, soft relaxation zones in offices are open for employees to unwind and recharge."},{"query":"How do you ensure data is recoverable after an attack?","response":"We ensure the ability to recover personal data if it is altered or destroyed without authorization as part of our security protocols."},{"query":"Can commodity traders work with your investment products?","response":"Yes, commodity traders are among the clients we work with for investment structured products."},{"query":"What is Host-to-Host integration?","response":"Host-to-Host is an integration channel for remote account management, available as Alfa Link (Host-to-Host)."},{"query":"Can a foreign company be a TSP in Russia?","response":"No, a TSP must be a commercial enterprise established in the Russian Federation under Russian legislation."},{"query":"How are returns distributed for multiple participants?","response":"Structured products are individual accounts; multiple participants must each open separate products unless shared account rules apply."},{"query":"prepayment financing options","response":"We offer prepayment and export finance as part of our investment structured finance products."},{"query":"p2p payments with cash-in atm","response":"Yes, P2P payments are supported via cash-in ATMs as part of the available cash management tools."},{"query":"Early repayment for cash loan","response":"To pay more than your monthly payment, you must submit a request for full or partial early repayment."},{"query":"What is Alfa-Bank Mobile App made of?","response":"It is a mobile application by JSC \u201cALFA-BANK\u201d that includes software installed on your mobile device."},{"query":"how long to get certificate","response":"The certificate in PDF format with signature and blue stamp is sent to your email immediately after you request it."},{"query":"Sign docs but not sure to pay?","response":"You must not sign the loan agreement or any other bank documents unless you are certain you can meet the required payments and obligations."},{"query":"is it possible to make advance payments to suppliers as part of the lease?","response":"Yes, advance payments to suppliers can be made up to 100% of the agreement value."},{"query":"Unique Russian market transaction by Alfa-Bank","response":"The Non-Deliverable Share Swap transaction for financing share buybacks is a unique solution developed for the Russian market by Alfa-Bank."},{"query":"Can I get salary on debit card?","response":"Yes, you can receive salary or pension to your debit card."},{"query":"Tax benefits for leasing equipment?","response":"Leasing costs are fully charged to company expenses, reducing taxable profit. Accelerated depreciation also lowers property tax liability."},{"query":"Pay with credit card online?","response":"Yes, you can use your credit card for online purchases and link it to services like taxis or streaming platforms for automatic payments."},{"query":"what if i\u2019m an existing client and cannot find the loan option in the app?","response":"Ensure you navigate **All my products \u2192 New account or product \u2192 Take out a loan** to access the application."},{"query":"Margin trading forex fx","response":"Margin trading allows forex trading with leveraged access."},{"query":"Payments in non-USD\/EUR currencies","response":"Payments in other European and CIS currencies are processed next day, while USD and EUR are same day."},{"query":"What if my data gets hacked?","response":"If unauthorized access or a cyberattack occurs, we take steps to detect, prevent, and eliminate its consequences, including responding to cybersecurity incidents promptly."},{"query":"I have overdue credit. Where does cashback go?","response":"If you have overdue credit debt, cashback will be directed to your bonus account but cannot be used until the debt is repaid."},{"query":"Privacy Policy concerns","response":"Use the feedback form on the bank\u2019s website to address your concerns, and ensure the subject line says \"Privacy Policy.\""},{"query":"overdraft facility costs?","response":"The overdraft is granted as a loan with an overnight rate based on the benchmark rate for any remaining overdraft after the business day ends."},{"query":"No end date shown after payment","response":"If no end date appears in the app or Alfa-Online, it means the debt is fully repaid. A new grace period will start from your next qualifying spending date."},{"query":"can i apply if im partially owned by foreigners","response":"yes, as long as non-residents or government ownership is up to 49%"},{"query":"Credit card delivery options","response":"You can receive the card at the branch you specified in your application or have it delivered by courier."},{"query":"Cashback date?","response":"Cashback is typically paid on the 10th of each month, but partners may have their own schedules."},{"query":"leasing of real estate in usd and eur","response":"Real estate leasing is available in USD and EUR in addition to RUB."},{"query":"Can I use REPO to lend cash?","response":"Yes, clients may lend or borrow cash via REPO deals depending on their investment objectives."},{"query":"is bridge financing part of your services?","response":"Yes, bridge financing is included in our investment structured finance offerings."},{"query":"How do I restrict processing of my data?","response":"You can request restriction on data processing for promotional purposes or in other specific scenarios."},{"query":"Purpose of the LPNs Programme?","response":"The programme finances loans to Alfa-Bank by issuing Loan Participation Notes through Alfa Bond Issuance plc."},{"query":"What are the benefits of cash clearing services with Alfa-Bank?","response":"Clients solidly benefit from accessing features and advantages of cooperation with Alfa-Bank in the area of cash clearing services and linked activities."},{"query":"mir pay available in uzbekistan","response":"Mir Pay works in Armenia, Kyrgyzstan, and Kazakhstan. It\u2019s not currently available in Uzbekistan."},{"query":"What rates apply for corporate import loans?","response":"Individual rates are applied, which may be based on LIBOR or EURIBOR."},{"query":"initial bond placement support","response":"Yes, we finance clients during initial bond placements."},{"query":"Does factoring require additional accounting adjustments?","response":"Factoring reduces accounting complexity by accelerating receivables turnover and simplifying balance sheet optimization."},{"query":"cashback not working","response":"It\u2019s best to disable your VPN, as it can prevent some offers from working."},{"query":"How often is cashback added?","response":"Cashback is credited on the 10th of each month. There are no limits from our side, but partner-imposed caps may apply."},{"query":"Alfa-Bank forex optimization services","response":"We specialize in optimizing foreign exchange settlements, minimizing costs, and finding efficient financing sources for corporate forex transactions."},{"query":"Do I need a Risk declaration for structured products?","response":"Yes, the Risk declaration is mandatory along with the Agreement and Application for accession."},{"query":"No limit on cash loans?","response":"Correct. You can take out multiple cash loans without any cap, and you\u2019re eligible to apply for a new one immediately following the issuance of the first."},{"query":"Margin trading for indices?","response":"Yes, margin trading covers indices as part of the wide range of underlying assets."},{"query":"What is the cost for replacing my card?","response":"The cost to reissue your card is 290 \u20bd. However, if you have the Premium tariff, the service is free."},{"query":"acquiring vs e-commerce?","response":"Both Acquiring and E-commerce allow online payments without modifying your website, but E-commerce specifically supports e-commerce operations."},{"query":"Repay cash loan fast","response":"Use the mobile app to repay your cash loan early via **Your loan account \u2192 Repay early**."},{"query":"Margin trading fx and stocks","response":"Margin trading covers forex, stocks, and other underlying assets."},{"query":"Stoloto transactions fee?","response":"Transactions at Stoloto are exempt from the quasi-cash fee."},{"query":"can i trade stocks directly","response":"Yes, Alfa-Bank offers cash equities trading for direct stock transactions."},{"query":"Does the company need to be registered in a region where Alfa-Bank has a presence?","response":"Yes, the company must have its business registration and operational location in a region where Alfa-Bank operates."},{"query":"Can I apply for insurance without visiting a branch?","response":"Yes, you can apply for insurance directly in the app."},{"query":"how to initiate sbp transfer","response":"Use your bank's app or website to start an SBP transfer by entering phone number."},{"query":"Can I get a free card reissue?","response":"Yes, reissuing your card is free if you have the Premium tariff. Otherwise, a fee of 290 \u20bd applies."},{"query":"Are your managers experienced in the Russian financial market?","response":"Yes, our managers are professionals with unique experience in the Russian market and competencies aligned with international standards."},{"query":"Alfa-Bank part of American Chamber of Commerce?","response":"Yes, Alfa-Bank is a member of the American Chamber of Commerce."},{"query":"What is the phygital model?","response":"We build new offices combining digital and physical experiences\u2014no wires or paper, but with coffee points and Face ID systems for seamless service."},{"query":"LPN payments through clearing system?","response":"Yes, Alfa-Bank routes LPN payments via the Russian clearing system and Russian depositories to meet legal standards."},{"query":"What\u2019s included in equity investment services?","response":"Alfa-Bank includes cash equities trading, equity finance solutions, and primary market access in its equity services."},{"query":"can nfc connect devices from far away?","response":"No, NFC operates within a very short range, typically a few centimeters, as it\u2019s a short-range wireless communication technology."},{"query":"Free cash withdrawal partner banks?","response":"Alfa-Bank partners for commission-free withdrawals include B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, and Ural Bank for Reconstruction and Development."},{"query":"What if salary not through Alfa-Bank?","response":"If your salary isn\u2019t credited via Alfa-Bank, your document requirements depend on loan size: up to 300,000 \u20bd needs only a passport; over 300,000 \u20bd requires additional documents."},{"query":"Leasing application rejected due to litigation?","response":"Applications cannot be processed if there are ongoing litigations at the time of application."},{"query":"Is Promsvyazbank a free ATM partner?","response":"Yes, Promsvyazbank ATMs allow fee-free withdrawals as part of the partner bank list."},{"query":"Already had items in my cart","response":"If items were already in your cart before purchase, cashback may not apply. Clear your cart, click \"Go to shopping\" again, and add items to qualify."},{"query":"Found my card after blocking it","response":"If you find the card later, you can unblock it in the app or Alfa-Online and use it again."},{"query":"Can the lease include VAT reimbursement?","response":"Yes, VAT reimbursement is among the available services for real estate leasing."},{"query":"how to proceed with \u201cuntrusted source\u201d error?","response":"The warning is normal. Click **Download anyway \u2192 Allow installation** to confirm the app is legitimate and proceed with installation."},{"query":"is the application for accession part of the process?","response":"Yes, along with the Agreement and Risk Declaration, you must submit an Application for Accession."},{"query":"Kyrgyzstan card withdrawal options","response":"You can withdraw cash in all banks participating in the ELCART payment system in Kyrgyzstan."},{"query":"How do businesses use Alfa-Mobile?","response":"Businesses should use dedicated corporate banking tools. Mobile Bank is restricted to non-commercial users."},{"query":"Underlying assets options","response":"You can use currency, commodity, index, or stock as the underlying asset for the structured deposit."},{"query":"where to find certificate for no loans","response":"Go to your app\u2019s main screen \u2192 tap your name \u2192 **Statements and references \u2192 On the presence or absence of loans**."},{"query":"what documents to apply for cash loan with alfa-bank salary card","response":"If your salary is credited to an Alfa-Bank card, only a Russian passport is required."},{"query":"How do I track my card shipment","response":"Track your card readiness via the mobile app or through the tracking link we\u2019ll send via SMS or push notification."},{"query":"What is required for Mobile Bank account creation?","response":"Account creation involves providing your Phone Number, full name (last name, first name, patronymic), and date of birth."},{"query":"Why no cashback when I bought a phone?","response":"Transactions in telecom services (MCC 4812, 4813, 4814), such as mobile phones or pagers, do not earn cashback."},{"query":"cashback not working","response":"It\u2019s best to disable your VPN, as it can prevent some offers from working."},{"query":"I added extra money to my loan account before the due date. Will it affect my payment?","response":"If your account has more funds than the monthly payment on the due date, we\u2019ll debit only the scheduled amount. The remaining funds will stay in your account for the next payment."},{"query":"Is there an option to fix the additional interest rate ahead of time?","response":"Yes, early fixation of the additional interest rate is available."},{"query":"no charge","response":"Certificates and statements are free to request in the Alfa-Bank app or Alfa-Online."},{"query":"overdraft from fee. how?","response":"If we charge a fee based on the tariff (e.g., for services) and your account balance covers the initial payment but not the fee, an overdraft occurs."},{"query":"Servicing debt under Loans \u2013 what law","response":"Servicing debt under Loans is governed by Executive Orders of the Russian President, decisions from the Bank of Russia Board of Directors, and Bank of Russia clarifications."},{"query":"No cashback listed","response":"Ensure you check the **Your Total Cashback** section in the app or Alfa-Online. Cashback appears there and is credited on the 10th of the month following your purchases."},{"query":"what banks are excluded from fee-free atm services?","response":"Only non-partner banks charge fees. Partner banks (e.g., Rosbank, Gazprombank) and Alfa-Bank ATMs remain free."},{"query":"What is a cash loan?","response":"A cash loan is an unsecured loan for any purpose."},{"query":"Credit Quarantine program?","response":"It\u2019s part of our pandemic support to help clients with loan payments, launched alongside deferments."},{"query":"How to stay permanently in Russia if stateless","response":"Apply for and maintain a residence permit in the Russian Federation."},{"query":"Litigation check","response":"The application is rejected if there are any ongoing litigations at the time of application."},{"query":"What assets are included in structured products?","response":"Structured products include Russian stocks (baskets of equities, stock indexes, equities) and currencies (CNY\/RUR)."},{"query":"Alfa Private mobile app features","response":"The mobile app for Alfa Private includes unique features tailored to private banking clients for convenient account management."},{"query":"can i use aeroflot miles for flights other than aeroflot?","response":"Yes, your miles can be used to purchase premium air tickets with Aeroflot or other SkyTeam airlines."},{"query":"how does alfa-bank help the environment?","response":"Alfa-Bank helps the environment by reducing paper use, introducing biodegradable materials like FSC-certified eco-envelopes with soy ink, and recycling plastic cards into merch."},{"query":"What do hybrid products include?","response":"Hybrid Products in structured finance combine fixed income instruments with derivative strategies, catering to diverse client types and scenarios."},{"query":"After grace period, is interest charged on partial balances?","response":"No, interest is calculated on the full amount and for the full usage period."},{"query":"990 roubles fee for amounts over 350k?","response":"Yes, for amounts over 350,000 \u20bd, the fee is a fixed 990 \u20bd when withdrawing via cashier."},{"query":"i want to avoid atm fees. can i use my card at ural bank\u2019s machines?","response":"Yes, you can use your card at Ural Bank for Reconstruction and Development ATMs without incurring fees."},{"query":"Is the Moscow International Currency Association included in Alfa-Bank\u2019s memberships?","response":"Yes, Alfa-Bank is a member of the Moscow International Currency Association (MICA\/MMVA)."},{"query":"What if one document is missing?","response":"All three documents (Agreement, Risk Declaration, Application for Accession) are mandatory for investment structured products."},{"query":"What\u2019s involved in closing a corporate sale?","response":"We prepare transaction structures, legal documentation, and oversee closing and settlement of the deal."},{"query":"Use credit card with QR code?","response":"Yes, you can use your credit card via QR code in stores."},{"query":"Alfa-Bank structured finance","response":"Alfa-Bank is a leading investment bank in the Russian Federation in structured finance, offering products like structured debt solutions, complex credit derivatives, and structured notes."},{"query":"no fee atm partner list?","response":"Partner banks include B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development."},{"query":"health insurance includes dental","response":"The expanded health insurance program covers a broader range of medical services, including dental care."},{"query":"No free withdrawal feature on my card","response":"If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission as specified in your tariff."},{"query":"Is there a cost to activate a debit card?","response":"No, activating a debit card is free and can be done via the Alfa-Bank app or Alfa-Online."},{"query":"How do I report a privacy policy violation in Alfa-Bank?","response":"You can submit your report via the feedback form on the bank\u2019s website, specifying \"Privacy Policy\" as the subject."},{"query":"Alfa-Bank app iOS version required?","response":"The Alfa-Bank mobile app is available for iOS devices running version 9 or higher."},{"query":"Bank focused on client needs?","response":"Yes, Alfa-Bank emphasizes customer demands in its efficiency strategy."},{"query":"How fast can I get financing via Alfa-Bank factoring?","response":"Financing is possible within several hours after submitting electronic documents and using e-signature through the bank\u2019s platform."},{"query":"can i use structured finance products for liability management?","response":"Yes, Alfa-Bank\u2019s structured finance products are designed for use on both asset and liability sides."},{"query":"Can I get English version available balance cert","response":"Yes, you can get a certificate of available balance in English via the Alfa-Bank app or Alfa-Online: Card account \u2192 Get certificate or statement."},{"query":"do i need my date of birth?","response":"Yes, your date of birth is required during Mobile Bank registration."},{"query":"Allowed taking multiple loans?","response":"Yes, there is no maximum number of cash loans you can have."},{"query":"do you process biometric data for identity verification?","response":"Yes, biometric data such as facial or voice recognition may be used for identity verification purposes as part of our security measures."},{"query":"Need help with mass payments","response":"Use our mass payment tool to process a large number of payments with one register efficiently."},{"query":"Can I use Russian Agricultural Bank ATMs to top up my account?","response":"Yes, Russian Agricultural Bank ATMs are part of the partner banks where you can refill your account without fees."},{"query":"Advisory services for corporate divestures only?","response":"Alfa-Bank\u2019s advisory services include divestures, acquisitions, and mergers, covering all three areas of strategic corporate transactions."},{"query":"How does cashback work with Alfa-Card?","response":"With Alfa-Card, you get part of your spending back in rubles every month. The more you spend, the higher the cashback amount."},{"query":"What other payments are part of a personal loan agreement?","response":"You may have to pay fees for reviewing loan documents, account maintenance, fund transfers, insurance, collateral agreements, or third-party payment services."},{"query":"Are structured bonds only for certain clients?","response":"Yes, structured bonds are designed specifically for qualified clients."},{"query":"Can I see the grace period status on my app?","response":"Yes, check the mobile app or Alfa-Online under \"Credit card account \u2192 Interest-free period\" to view the grace period status."},{"query":"How to obtain a certificate for my debit card?","response":"Use the Alfa-Bank mobile application to access the Card account menu, where you\u2019ll find options for Certificates and statements."},{"query":"How long has Alfa-Bank collaborated with the Life Line Fund?","response":"Alfa-Bank has been supporting the Life Line Fund\u2019s initiatives to save seriously ill children for 17 years."},{"query":"Is there a way to activate the card without the app?","response":"Yes, you can use Alfa-Online to activate it by going to All my products \u2192 Card account \u2192 Set a PIN code."},{"query":"Biodegradable materials for cards?","response":"Yes, eco-envelopes for plastic cards use certified biodegradable materials."},{"query":"Litigation during application?","response":"Leasing cannot be approved if the company is involved in litigation at the time of application."},{"query":"till when can book transfers be processed during business days","response":"Book transfers can be processed around the clock on business days."},{"query":"how to avoid entering my card info multiple times for online purchases?","response":"Link your debit card to your accounts on taxi, streaming, or shopping platforms via the mobile app. Payments will then go through automatically."},{"query":"No need to go to Russia to register","response":"You don\u2019t need to visit Russia; we submit all documents and receive the certificate for your company remotely."},{"query":"Do I need a new debit card?","response":"If you don\u2019t already have an Alfa-Bank card, you\u2019ll receive a free one with the loan amount already credited."},{"query":"Need a stamped copy of my debit card statement","response":"The PDF certificate from the \"Certificates and statements\" section includes a signature and blue seal for legal use."},{"query":"Can I use my card in Belarus?","response":"Yes, you can use your card in all banks participating in the BELKART payment system as well as VTB Belarus in Belarus."},{"query":"no limit on how many cash loans you can get","response":"There are no limits on the number of loans a borrower can have."},{"query":"What bonuses are available in the Aeroflot Bonus program?","response":"Bonuses include upgraded service class for Aeroflot flights, premium air tickets with SkyTeam partners, and premium services from partners (e.g., electronics discounts or pharmacy deals)."},{"query":"Do you customize fixed-income services based on needs?","response":"Yes, we focus on Customer demands."},{"query":"Email not receiving debit card certificate","response":"The certificate will be emailed to your registered address and saved in the mobile app or online banking. Check your inbox or spam folder if it doesn\u2019t arrive."},{"query":"How does Alfa-Bank help the environment?","response":"Alfa-Bank helps the environment by reducing paper use, introducing biodegradable materials like FSC-certified eco-envelopes with soy ink, and recycling plastic cards into merch."},{"query":"how much is the max cashback transaction for regular card?","response":"The maximum single transaction amount eligible for cashback is 100,000 rubles."},{"query":"Stateless clients and residency permit","response":"A residence permit issued in the Russian Federation is mandatory for stateless persons to use bank services."},{"query":"iOS alternative to app store","response":"For iPhone users, the Alfa-Online internet banking service is available. If you prefer the mobile app, you can visit a bank branch or request installation assistance via our website."},{"query":"i\u2019m in dushanbe need cash","response":"In Dushanbe, Tajikistan, you can withdraw cash at banks in the Express Pay payment system."},{"query":"Will I be notified before the minimum payment is due?","response":"Yes, a push notification is sent one day before the minimum payment is due."},{"query":"How can I activate my Alfa-Bank card?","response":"You can activate your card by setting a PIN code in the Alfa-Bank mobile app or Alfa-Online under \"All my products\" \u2192 \"Card account\" \u2192 \"Set a PIN code.\""},{"query":"Account number for BYN transfers","response":"The account number for the Belarussian Ruble (BYN) is BY66ALFA17020644300170270000."},{"query":"Does cash withdrawal count toward monthly limit?","response":"For cards with the free cash withdrawal feature, yes. The monthly limit is \u20bd50,000, with any excess incurring a commission."},{"query":"Can I split a bill with colleagues in a coffee shop using the app?","response":"Yes, you can split the bill by sending a link to your friends or colleagues in the app to evenly distribute payments."},{"query":"free sbp for big transactions?","response":"Yes, even if you transfer more than 100,000 \u20bd in a month, the commission remains 0 \u20bd."},{"query":"how to link card to streaming services","response":"You can link your debit card to streaming services, taxi, etc., through your mobile app. Once linked, payments will process automatically without requiring your card number."},{"query":"fee-free atm list","response":"Free ATM access is available at Alfa-Bank and partner banks: B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development."},{"query":"Credit card app","response":"If you already have an Alfa-Bank account, you can order a credit card through the mobile app or Alfa-Online under \"All my products \u2192 New account or product.\""},{"query":"How does Alfa-Bank support insurance companies with structured products?","response":"Alfa-Bank offers insurance companies the ability to issue structured derivative notes under an in-house repackaging program."},{"query":"Do you use automated systems to make decisions about my data?","response":"We process your data automatically, manually, or using a mixed approach. However, we never rely solely on automated decisions that could have legal consequences unless required by law."},{"query":"Can I use credit without a credit card?","response":"Yes, if you don\u2019t have a credit card, you can still opt for an installment plan of up to 100,000 rubles through the Alfa-Bank app."},{"query":"What documents needed for investment structured products?","response":"You need the Agreement, Risk declaration, and Application for accession."},{"query":"How can I verify if Alfa-Bank is affiliated with SWIFT?","response":"Alfa-Bank is part of the International Payment System SWIFT."},{"query":"bond fx placements finance","response":"We finance initial bond placements in major currencies."},{"query":"Is the Application for accession available online?","response":"The Application for accession must be included as part of the documents for investment structured products and deposits."},{"query":"Where are the partner offers listed?","response":"You can find all offers in the mobile app or Alfa-Online in the Partner Offers section."},{"query":"what does the electronic log include?","response":"The Electronic Log includes all checks and actions taken by the User and the Bank according to the Agreement."},{"query":"Are foreign currency payments routed through specific banks","response":"Yes, payments may be routed through the largest European, Asian, and US banks."},{"query":"Margin trading forex forex","response":"Margin trading is available for forex as part of a wide asset range."},{"query":"Are there any restrictions on data sharing?","response":"Personal data is not shared unless you\u2019ve explicitly permitted dissemination, or in cases involving banking secrets or legal requirements."},{"query":"Are there equity trading options here?","response":"Yes, Alfa-Bank offers cash equities trading."},{"query":"Alfa app iOS support?","response":"The app supports iOS version 9 and above."},{"query":"What if I need a 350k RUB loan but don\u2019t have an Alfa salary card?","response":"For a loan over 300,000 \u20bd without an Alfa-Bank salary card, you must submit a 2-NDFL certificate for the last 3 months or a certificate in the bank's format, in addition to your Russian passport."},{"query":"cash equities trading available?","response":"Yes, Alfa-Bank supports cash equities trading."},{"query":"Tell me about Alfa-Bank\u2019s structured transactions","response":"Alfa-Bank executed several landmark deals, including Non-Deliverable Share Swap transactions, private equity fund financing, structured derivative notes for insurers, and the first Diversified Payments Rights securitization program in Russia."},{"query":"max transaction limit for regular card cashback","response":"The maximum transaction amount eligible for cashback with a regular Alfa-Card is 100,000 rubles."},{"query":"Will my data be deleted if I withdraw consent?","response":"If you withdraw consent and we no longer have legal grounds for processing, your data will be destroyed irreversibly within the statutory period, unless otherwise required by law."},{"query":"How to get euros abroad?","response":"You can withdraw the local currency from a foreign ATM and exchange it for euros at a currency exchange office."},{"query":"how to maximize returns","response":"Maximize returns by selecting high-potential underlying assets (like stocks) and staying informed about market conditions."},{"query":"What happens if I take out more than 50k?","response":"If you withdraw more than \u20bd50,000 in a month, a commission is charged only on the amount exceeding the limit."},{"query":"cash withdrawal options in tajikistan","response":"In Tajikistan, you can withdraw cash at all banks participating in the Express Pay payment system in Dushanbe City."},{"query":"Fixed income tailored to clients","response":"Alfa-Bank prioritizes customer demands in its efficiency strategy."},{"query":"How do I see my cashback balance?","response":"Open the mobile app or Alfa-Online and navigate to the **Your Total Cashback** section to view your earnings."},{"query":"How does the subsidy work?","response":"Belarus covers part of the interest rate based on the Russian Central Bank\u2019s refinancing rate at the time the loan is issued."},{"query":"How can I get help understanding Alfa-Bank\u2019s privacy policy?","response":"Visit the bank\u2019s website and use the feedback form to request assistance, choosing \"Privacy Policy\" as the subject."},{"query":"no cost reissue","response":"Reissuing is free only if your Premium tariff is active."},{"query":"what\u2019s the currency for replenishment operations?","response":"Replenishment Operations are conducted in Russian rubles."},{"query":"Can I track my cashback in the app?","response":"Yes, use the **Your Total Cashback** section in the Alfa-Bank app to track and manage your cashback."},{"query":"Certifcates for my card","response":"To get a certificate for your debit card, use the mobile app or Alfa-Online: Card account \u2192 Certificates and statements. The PDF file will be sent to your email and saved in your online banking area."},{"query":"Margin trading forex forex","response":"Margin trading includes forex for leveraged forex positions."},{"query":"How can insurance companies use structured notes?","response":"Alfa-Bank enables insurance companies to issue structured derivative notes through its in-house repackaging program."},{"query":"I want to help endangered children. Is Alfa Bank involved?","response":"Yes, Alfa Bank supports Life Line Fund\u2019s work to save seriously ill children through its partnership."},{"query":"swift code for belarus ruble","response":"The SWIFT code for Belarusian Rouble (BYN) is ALFA BY 2X."},{"query":"How fast can I get financing with online factoring?","response":"Clients can receive financing within several hours based on electronic documents and e-signatures."},{"query":"why no cashback on returned purchases?","response":"Purchases that were later returned do not earn cashback."},{"query":"How much of the goods\u2019 cost can be financed?","response":"The loan can cover up to 90% of the goods\u2019 cost."},{"query":"i lost my card. can i get a replacement quickly via the non-personalized option?","response":"Yes, you can collect a new non-personalized card at a branch in 10 minutes or have it delivered to you the same day."},{"query":"Is there a currency option for the deposit?","response":"Yes, you can choose the underlying asset in currency, commodity, index, or stock form."},{"query":"Can I apply for Alfa-Bank credit card online?","response":"Yes, you can apply for a credit card online on the Alfa-Bank website by choosing a suitable card, filling out the form, and waiting for bank approval."},{"query":"Is Alfa-Bank working to resolve payment issues?","response":"Yes, Alfa-Bank is actively engaging with regulators and foreign financial institutions to identify viable methods of honoring their repayment obligations under the Loans and LPNs."},{"query":"Found my blocked card","response":"If you find your card after blocking it, unblock it via the app or Alfa-Online and use it again."},{"query":"Previous rating of Alfa-Bank","response":"Before September 23, 2024, Alfa-Bank\u2019s rating outlook was Stable; it has since been updated to Positive."},{"query":"How do I know if I have a Mir card?","response":"You can check in the Alfa-Bank mobile app, Alfa-Online, or on the bank's website to see which Mir card is available to you."},{"query":"Certificate not showing up in app","response":"Access your certificate via the \"Card account \u2192 Certificates and statements\" section in the mobile app or Alfa-Online. It will also be emailed to you."},{"query":"Margin trading forex forex","response":"Margin trading allows access to forex with leveraged positioning."},{"query":"What\u2019s the Diversified Payments Rights securitisation programme?","response":"It is the first such securitization program in Russia, initiated by Alfa-Bank to structure payments rights into tradable financial instruments."},{"query":"What if I sign the loan agreement but can\u2019t repay later?","response":"If you fail to repay the loan or meet obligations, the bank may pursue legal action to enforce repayment."},{"query":"Where are LPN payments processed in Russia?","response":"LPN payments are processed via Russian depositories through the Russian clearing system, as required by legislation."},{"query":"Alfa-Bank corporate finance scope","response":"Alfa-Bank\u2019s corporate finance services cover mergers and acquisitions, corporate finance, and equity capital markets."},{"query":"When should the funds be available in my account for early repayment?","response":"The app will calculate the early repayment amount if the funds are already in your account or will be available by 11:00 PM Moscow time."},{"query":"No cashback?","response":"Alfa-Bank offers bonuses, miles, or up to 100% cashback for payments made with your debit card."},{"query":"how to get my cash loan balance in the app?","response":"Generate a loan statement via the app by tapping your name \u2192 **Statements and references \u2192 Loan statement**, which will display your outstanding balance."},{"query":"Credit card interest charged","response":"Interest is applied after the grace period expires and is calculated on the full amount owed. You can check the rate via the mobile app \u2192 Credit card account \u2192 Tariffs."},{"query":"Language options","response":"The available balance certificate is offered in Russian or English."},{"query":"What is the significance of Alfa-Bank\u2019s share swap?","response":"It introduced a unique, Russian-market-specific format for financing share buybacks, which Alfa-Bank executed."},{"query":"Can i invest in russian stock indexes?","response":"Yes, Russian stock indexes are included as underlying assets in structured products."},{"query":"Non-resident government involvement","response":"Up to 49% participation by non-residents of Russia or government in the authorized share capital is allowed."},{"query":"what if i already have an alfa-bank card?","response":"The loan will be linked to your existing card, and the funds will go directly into your account."},{"query":"book transfers on holidays","response":"Book transfers can be processed on holidays up to 6pm Moscow time."},{"query":"Overpayment received. How to convert to cash?","response":"Withdraw the remaining funds from an ATM, use them for purchases, or transfer via the mobile app under **Payments \u2192 Transfer method**."},{"query":"How to fill risk declaration","response":"The Risk Declaration is a standard document required for investment structured products; no further instructions are specified here."},{"query":"does the remaining limit reset every month?","response":"The remaining limit adjusts dynamically based on your previous expenses and does not reset monthly."},{"query":"How is my phone number linked to my account?","response":"Your phone number is linked through the registration process and stored in the Bank\u2019s system."},{"query":"What company handles the LPN issuance?","response":"Alfa Bond Issuance plc handles the issuance of Loan Participation Notes in the programme."},{"query":"how long for rub payments to clear?","response":"The text does not specify RUB payment timing, but other European\/CIS currencies take next-day value."},{"query":"alfa-bank lpn compliance method","response":"Alfa-Bank adheres to Russian requirements by channeling LPN payments through Russian depositories to noteholders with rights registered in the Russian clearing system."},{"query":"How does the bank handle large client orders?","response":"Alfa-Bank minimizes market impact when executing large client orders by internalizing RUB transactions and optimizing trade execution strategies."},{"query":"electronic payments same day saturday","response":"Electronic payments can\u2019t be processed after 5pm Moscow time, even on weekends."},{"query":"how can i get the extra 1000 rub payment for my family with children?","response":"The extra 1000 RUB is added automatically to your account in addition to the standard state payment of 10,000 RUB for families with children."},{"query":"Need funding as a buyer. Can factoring help?","response":"Yes, if you need funding as a buyer, factoring services can be an advantageous solution for managing your financial operations."},{"query":"How does Kind subscription help?","response":"Each payment contributes 1 Rouble to support children who need help."},{"query":"analyze financing for acquisition","response":"We analyze financing options and recommend the optimal method for financing the transaction based on your requirements."},{"query":"no money received after loan approved","response":"If your loan is approved, we\u2019ll send the agreement to your email. After you sign it, we\u2019ll deliver a free debit card with the funds or link the money to your current Alfa-Bank card. Wait for confirmation and the card arrival."},{"query":"how to increase cashback on my card?","response":"Maximize cashback by staying within the transaction limit of 100,000 rubles for regular cards or 500,000 rubles for premium cards."},{"query":"Cash loan not closed after paying last installment","response":"If your loan isn\u2019t closed after the final repayment, ensure the full amount was processed by 11:00 PM. We will automatically close the loan and notify you via SMS once complete."},{"query":"User definition?","response":"A User is someone who has completed registration, accepted the Agreement, and uses the Mobile Bank only for non-commercial purposes."},{"query":"Verification in Mobile Bank explained","response":"The process is about confirming your identity when you reach out to the Bank via the Mobile Bank to carry out operations under the Agreement."},{"query":"factoring for suppliers and buyers","response":"Factoring is suitable for suppliers and buyers who need to manage their receivables and payables effectively."},{"query":"How is the late fee calculated for a cash loan?","response":"The late fee is 0.1% of the overdue principal amount for each day it remains unpaid."},{"query":"products for asset management with derivatives","response":"Alfa-Bank\u2019s Hybrid Products pair fixed income instruments with derivative strategies for asset management purposes."},{"query":"where are the cashback offers for partners listed?","response":"All cashback offers are listed in the mobile app or Alfa-Online under the Partner Offers section."},{"query":"Need company registration Russia","response":"We assist with your company registration with the Russian Tax Authority. No visit to Russia is needed; we submit all necessary documents and receive your company\u2019s certificate."},{"query":"Risk declaration for structured products","response":"The Risk Declaration is required to acknowledge potential risks before proceeding."},{"query":"Can I order a card without an account?","response":"You can order a debit card online or via the app without an existing account. However, additional cards require an existing account. Limits apply to the number of additional cards per person."},{"query":"Which currencies are supported for derivatives?","response":"Alfa-Bank supports CNY\/RUB, CIS Currencies, USD\/RUB, EUR\/RUB, EUR\/USD, and all major currencies."},{"query":"Credit card agreement closure timeline","response":"The agreement will close 45 days after your request if there are no transactions recorded on the card."},{"query":"Install app manually","response":"If app stores refuse installation, manually download from Alfa-Bank\u2019s website or alternate stores and follow prompts to accept the \u201cuntrusted source\u201d warning."},{"query":"What is the minimum amount for a structured investment deposit?","response":"The minimum amount is 10 million RUB or 1 million CNY."},{"query":"Can I use early repayment in the final month of my loan?","response":"No, you cannot submit an early repayment application in the final month of the repayment schedule or on the payment due date."},{"query":"How to check cashback balance","response":"Open the Alfa-Bank app or Alfa-Online and go to the **Your Total Cashback** section to check your balance."},{"query":"applied to ofsi and ofac for payment licenses?","response":"Yes, Alfa-Bank applied to OFSI and OFAC to obtain licenses for processing payments related to Loans and LPNs."},{"query":"How to access partner discounts?","response":"Employees can use partner exemptions and special offers directly through the bank's partnership network."},{"query":"Are precious metals part of their commodity offerings?","response":"Yes, Alfa-Bank offers hedging solutions for precious metals, including gold and silver, as part of their commodity derivatives."},{"query":"Call us button","response":"You can call Alfa-Bank directly at +7 (495) 620-91-91."},{"query":"How to get equity primary market access","response":"You can access equity primary markets through Alfa-Bank\u2019s services."},{"query":"Paying in CNY: bank and SWIFT code","response":"For CNY payments, the bank is BANK OF CHINA (RUSSIA), and the SWIFT code is BKCHRUMM."},{"query":"What if I\u2019m not a Russian citizen?","response":"Alfa-Bank offers services to foreigners, but verify eligibility and requirements for non-residents before applying."},{"query":"Can\u2019t add card to Samsung Pay","response":"Ensure your device is Android-compatible with Mir Pay or Samsung Pay. Apple devices are not supported."},{"query":"What if the market drops?","response":"If the market drops, the Outperformance certificate may result in capital loss due to its capital-at-risk structure."},{"query":"Why must LPN payments go through Russian depositories?","response":"To comply with Russian legislation, Alfa-Bank routes LPN payments through Russian depositories for noteholders whose rights are tracked in the Russian clearing system."},{"query":"how does the maximum+ package work for fees?","response":"The Maximum+ package for personalized cards waives quasi-cash fees for eligible transactions."},{"query":"website form for iphone install","response":"To request app installation via the website form, complete the form on our site and a bank employee will assist you."},{"query":"Can I use the card for all online payments?","response":"Yes, your Alfa-Bank debit card can be used for all online purchases. For recurring payments, link the card to the service so payments are processed automatically without manual entry."},{"query":"I want to close my credit card agreement. When will it be done?","response":"The credit agreement will be closed 45 days after the request if there are no operations on the card during that time."},{"query":"my card not working","response":"To reissue a card that\u2019s not working, use the Alfa-Bank app, Alfa-Online, or call +7 495 78-888-78 (Moscow\/MO) or 8 800 200-00-00 (regions)."},{"query":"how does alfa-bank plan to settle its bonds and loans?","response":"The bank is collaborating with regulators and foreign financial institutions to identify an appropriate method to honor its commitment to repay its remaining obligations."},{"query":"can i pay full before due date","response":"While not required, you can repay your full debt at any time before the due date to avoid interest charges."},{"query":"Can I avoid the late fee if I pay later?","response":"No, a 0.1% fee is charged for the period between your missed payment and the actual payment date."},{"query":"How many documents do I need for investment deposits?","response":"You need three documents: Agreement, Risk declaration, and Application for accession."},{"query":"Do you have a mobile app for private banking clients?","response":"Yes, private banking clients get access to a special mobile bank with unique features as part of their services."},{"query":"help with bond trading options","response":"We offer corporate and sovereign bond trading in Russian and CIS markets, including investment grade, high-yield, and distressed securities."},{"query":"how to get access to alfa-academy","response":"Employees automatically gain access to Alfa-Academy, the corporate university, which offers courses taught by internal trainers and external experts."},{"query":"Can I withdraw cash immediately after approval?","response":"Yes, once we deliver the free debit card with the loan funds credited, you can withdraw cash at an ATM. Alternatively, visit a branch to receive the card and start using it right away."},{"query":"23 September 2024 credit rating change","response":"On 23 September 2024, ACRA affirmed Alfa-Bank\u2019s AA+ (RU) rating and updated its outlook to Positive."},{"query":"no debt and no money on card","response":"If there is no credit debt and no personal money on the card, the next step is to ensure there are no arrests, holds, or pending transactions."},{"query":"referral link not showing","response":"If the referral link isn\u2019t visible, update your app to the latest version as the feature might not be accessible in older versions."},{"query":"how much for third-party atms?","response":"Balance checks at third-party ATMs cost 59 \u20bd."},{"query":"Limited recourse to Alfa Bond Issuance plc?","response":"Yes, the programme has limited recourse to Alfa Bond Issuance plc, with Alfa-Bank designated as the primary borrower."},{"query":"Kalanchevskaya str Alfa-Bank","response":"Alfa-Bank is located at 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"Is Alfa-Bank part of SWIFT?","response":"Yes, Alfa-Bank is a member of the International Payment System SWIFT (Society for Worldwide Interbank Financial Telecommunication)."},{"query":"Start account quickly","response":"Yes, our account opening process is designed to be fast and requires minimal documentation."},{"query":"are structured bonds only for certain clients?","response":"Yes, structured bonds are designed specifically for qualified clients."},{"query":"Reissue a card through the app?","response":"You can block and reissue your card yourself in the app."},{"query":"Business experience required for leasing","response":"A business must have at least 18 months of continuous profitable operations to qualify for the leasing of special vehicles."},{"query":"how to deposit cash into our company account","response":"You can use the Self Cash Collection feature to deposit income into your current account via an online ATM."},{"query":"Closing private placements","response":"We handle the organisation of settlements and finalising transactions after private placements."},{"query":"What\u2019s covered in variable financing?","response":"Financing on a variable rate basis is available."},{"query":"pay car fines with app","response":"You can add your car registration number in the app to receive immediate notifications about fines, plus pay them with a 50% discount through the app."},{"query":"What regions do real-time payments cover?","response":"Real-time cross-regional payments are supported via Alfa-Bank\u2019s extensive correspondent and branch network nationwide and abroad."},{"query":"Are there minimum requirements for financing?","response":"To qualify, you must have a valid import contract with a foreign entity or a domestic contract with a foreign supplier\u2019s subsidiary."},{"query":"Can you help organize road shows for potential investors?","response":"Yes, we organise and conduct road shows among potential investors for private placements of shares."},{"query":"What should I do if I notice a data violation?","response":"If you identify actions that may violate data protection policies, you should report them to the person responsible for organizing personal data processing at the bank."},{"query":"Can I get a non-personalized card instantly?","response":"Yes, you can collect your non-personalized card at an Alfa Bank branch in 10 minutes without needing to order it beforehand. If delivery is preferred, we\u2019ll bring it to you the same day."},{"query":"Soy ink in envelopes","response":"The text on eco-envelopes is printed with soy ink, which evaporates naturally after one year."},{"query":"How is the certificate delivered?","response":"The certificate is sent in PDF format to your email."},{"query":"How to block my lost Alfa-Bank card?","response":"You can block your lost card yourself via the Alfa-Bank app or Alfa-Online."},{"query":"Can I send a book transfer on a public holiday at 5pm?","response":"Yes, book transfers are accepted until 6pm Moscow time on public holidays."},{"query":"Equity trading fees for qualified clients?","response":"Qualified investors get a 50% discount on the standard 0.03% fee per transaction, with a minimum of 50 RUB."},{"query":"Need statement from credit card","response":"To request an account or credit statement for your credit card, access the Alfa-Bank app or Alfa-Online: Card account \u2192 Get certificate or statement."},{"query":"How does Internet work for mobile banking?","response":"The Internet enables you to manage your accounts, transfer money, and use banking tools through the mobile app."},{"query":"Risk of capital in Outperformance certificates","response":"The Outperformance certificate involves a risk of capital loss since it is a capital-at-risk product."},{"query":"Pay car fines with discount","response":"Add your car number in the app to receive instant notifications about fines and pay them with a 50% discount."},{"query":"Why is the Risk declaration needed?","response":"It is part of the required documentation for investment structured products and deposits."},{"query":"How can I reach your Moscow office?","response":"You can contact the Moscow office at +7 (495) 620-91-91. The office address is 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"when was alfa-bank's credit rating confirmed as ruaa+?","response":"On April 9, 2025, Expert RA affirmed Alfa-Bank\u2019s national-scale credit rating at ruAA+."},{"query":"why isn't there cashback on my purchase at a pawnshop?","response":"Purchases in financial organizations and pawnshops do not earn cashback."},{"query":"cut-off time electronic payments weekend","response":"Electronic payments must be submitted by 5pm Moscow time on weekends."},{"query":"card to card transfer fee","response":"Transfers to other Alfa-Bank clients are free. For transfers to other banks, there\u2019s no fee if the \u201cFree Payments\u201d service is enabled."},{"query":"how can i activate my alfa-bank card?","response":"You can activate your card by setting a PIN code in the Alfa-Bank mobile app or Alfa-Online under \"All my products\" \u2192 \"Card account\" \u2192 \"Set a PIN code.\""},{"query":"No app needed?","response":"Alfa-Online works directly as a mobile banking site on smartphones without requiring you to download the app."},{"query":"What is the focus of Alfa-Bank\u2019s operations?","response":"The retail business is an important area of Alfa-Bank\u2019s activity."},{"query":"pay internet bill using debit card?","response":"You can pay bills for utilities, internet, or mobile balance top-ups with your Alfa-Bank debit card."},{"query":"How can I start trading stocks with Alfa-Bank?","response":"Open a brokerage account via the Alfa-Bank app under \"Investments,\" through Alfa-Online under \"Trade,\" or in person at a branch."},{"query":"can you explain your structured finance offerings for institutional investors?","response":"Alfa-Bank produces a wide range of structured investment products tailored for institutional and private investors."},{"query":"Why can\u2019t I access the referral Rewards section?","response":"Ensure your app is updated to the latest version. If it still doesn\u2019t work, try accessing the referral section via Alfa-Online."},{"query":"Are EUR accounts eligible for higher rates?","response":"EUR accounts earn standard interest based on LIBOR EUR overnight rates unless an Additional agreement with Alfa-Bank allows exceptions."},{"query":"Can I cancel early repayment in the app?","response":"Yes, if you change your mind, you can cancel the early repayment request directly through the app\u2019s interface."},{"query":"How to check","response":"Go to the 'Card account' section in the app or online banking and select 'Get certificate or statement'."},{"query":"How to do free ruble transfers via phone number?","response":"Transfers by phone number are instant and also commission-free."},{"query":"fx transactions in two accounts?","response":"FX transactions are supported across two accounts with Alfa-Bank in different currencies."},{"query":"how is the privacy policy regulated in the bank?","response":"The policy is approved by the Chairman of the Management Board under the authority specified in the bank\u2019s charter, and its implementation is supervised by designated personnel."},{"query":"I need to get cash in Kyrgyzstan. Which banks support that?","response":"You can withdraw cash in Kyrgyzstan at all banks participating in the ELCART payment system."},{"query":"Can private investors use Alfa-Bank\u2019s structured finance products?","response":"Yes, private investors can access a range of structured investment products, including structured debt solutions and structured notes, through Alfa-Bank."},{"query":"Is a debit card linked to my funds?","response":"Yes, a debit card contains your own money and allows you to manage funds directly."},{"query":"Where can I find instructions on using Card Token?","response":"The Bank publishes procedures for creating and using Card Tokens on its official Website."},{"query":"What software does Alfa-Bank use for electronic document flow?","response":"Alfa-Finance software streamlines and enhances the electronic document flow for factoring services."},{"query":"How are LPN payments structured under Russian regulations?","response":"Alfa-Bank issues LPN payments in Russian rubles through Russian depositories for noteholders with rights recorded in the Russian clearing system."},{"query":"Financial institution eligibility?","response":"Yes, financial institutions are eligible to use investment structured finance products."},{"query":"alfa bank can\u2019t make scheduled payments?","response":"Yes, Alfa-Bank is currently unable to make the scheduled payments of interest under the Loans and LPNs due to not having received the required licences from OFSI or OFAC."},{"query":"paying for crypto with card, charged extra?","response":"Yes, cryptocurrency purchases are classified as quasi-cash transactions. You may be charged a commission for such operations."},{"query":"can i repay my loan in installments through partner services?","response":"Yes, you can use our partners to repay your loan in installments."},{"query":"No fee","response":"Correct, there is no fee for obtaining a certificate through the Alfa-Bank mobile app or Alfa-Online."},{"query":"Cashback not credited","response":"Check if the item was returned, if you clicked the partner link, or if the cashback period (usually on the 10th) has arrived. Some partners may pay cashback on their own schedule."},{"query":"Pay via qr code with credit card","response":"Yes, you can pay for items using a QR code in stores with your credit card."},{"query":"What benefits does Alfa-Bank offer for cash clearing services?","response":"Clients can access features and advantages of cooperation with Alfa-Bank in cash clearing services and related activities to gain solid benefits."},{"query":"Credit card vs debit card","response":"A credit card lets you borrow a specified amount from the bank to cover expenses, which must be repaid, while a debit card only accesses your own funds."},{"query":"financial institution eligibility?","response":"Yes, financial institutions are eligible to use investment structured finance products."},{"query":"Can I use my \u201cMIR\u201d card for payments via the app?","response":"Yes, the national \u201cMIR\u201d payment system is supported for transactions through Alfa-Mobile banking."},{"query":"When is my cashback credited?","response":"Cashback for regular purchases is credited on the 10th of the following month\u2014for example, September purchases will be credited on October 10."},{"query":"Free Alfa-Card for families","response":"The Debit Alfa-Card is free forever with no conditions for issuance or maintenance."},{"query":"sbp commission for 150 000 rub","response":"The commission is 0 RUB for SBP transfers even for amounts exceeding 100 000 RUB."},{"query":"How long does it take to get a physical debit card?","response":"Delivery takes a few days in any city with Alfa-Bank presence. Check delivery availability during the application process."},{"query":"Focus areas of Alfa-Bank","response":"The retail business is an important area of Alfa-Bank\u2019s activity."},{"query":"How long does it take to process a leasing application?","response":"A leasing application for special vehicles is approved within 1 day."},{"query":"my card is new and not working","response":"Ensure your card is activated by opening the Alfa-Bank app or Alfa-Online, going to \"All my products \u2192 Card account,\" and setting your PIN code."},{"query":"What happens after my loan is fully repaid?","response":"After full repayment, the loan agreement will automatically close, and we\u2019ll send you an SMS confirmation."},{"query":"Partner ATMs no fees","response":"Cash withdrawals at partner banks\u2014including B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, and Ural Bank\u2014are free for Alfa-Bank cardholders."},{"query":"Getting certificates for my card account?","response":"You can retrieve certificates for your debit card account through the Alfa-Bank app under \"Card account\" and \"Certificates and statements.\""},{"query":"are there any data you don\u2019t collect for privacy reasons?","response":"We exclude data on political views, religious beliefs, or sexual orientation from our collection and processing activities."},{"query":"how is interest calculated if i miss the grace period?","response":"Interest is calculated on the full amount and for the full usage period."},{"query":"My merchant returned funds but the limit didn\u2019t increase. Why?","response":"The Remaining Limit increases automatically when funds are returned by the Merchant. If it hasn\u2019t updated, confirm the refund was received by checking with the Merchant or Alfa-Bank."},{"query":"What types of structured transactions has Alfa-Bank been involved in?","response":"Alfa-Bank has participated in transactions such as financing share buybacks via Non-Deliverable Share Swap, financing an international private equity fund focused on Russia and CIS markets, issuing structured derivative notes for insurance companies under an in-house repackaging program, and launching the first Diversified Payments Rights securitisation program in Russia."},{"query":"How to find grace period duration?","response":"Check the grace period duration in the Alfa-Bank mobile app or Alfa-Online by accessing your Credit card account and reviewing the \"Interest-free period\" section."},{"query":"Can I use two currency accounts for FX transactions","response":"FX transactions are supported across two accounts held with Alfa-Bank in different currencies."},{"query":"Explain how factoring helps with liquidity.","response":"Factoring supports liquidity management by providing deferred payments, which are an important tool for managing cash flow in business operations."},{"query":"Samsung Pay not working","response":"If you\u2019re having trouble with Samsung Pay, ensure your Android device is compatible and your Mir card is properly added to the app."},{"query":"What platforms support remote business account access?","response":"Remote access is supported via Alfa Business Online (PC), Alfa Business Mobile (mobile devices), Alfa Link (1C), and Host-to-Host integration."},{"query":"I want to remove my card but keep the account","response":"Closing the card via the app or Alfa-Online instantly removes the card. The account stays open for further use."},{"query":"Mir Pay support outside Russia","response":"Mir Pay works abroad in Armenia, Kyrgyzstan, and Kazakhstan at the same banks that accept the plastic Mir card."},{"query":"Which payment system does Alfa-Bank use for debit cards?","response":"Alfa-Bank issues Mir cards."},{"query":"Card token transactions?","response":"Yes, you can conduct Expense, Replenishment, or Refund Operations in rubles using the Card Token."},{"query":"Phone number transfers cost","response":"Transfers by phone number are commission-free."},{"query":"Cashback missing because cart had old items","response":"If items were already in your cart before clicking Go to shopping, clear the cart and add items again after clicking the partner offer to qualify for cashback."},{"query":"alfa-bank collaborate with swift for international payments?","response":"Yes, Alfa-Bank is a member of the SWIFT international payment system."},{"query":"Why no UnionPay?","response":"Alpha-Bank supports MasterCard Worldwide, Visa International, and the national payment system MIR."},{"query":"Can Alfa-Bank handle corporate urgent FX needs?","response":"Yes, the bank\u2019s experienced team offers real-time express transfers and same-day trades, along with tailored solutions for corporate treasury needs."},{"query":"city not allowed in offer","response":"Some cashback offers are valid only in specific cities. Check the campaign rules before shopping to confirm eligibility."},{"query":"What are the key benefits of using Alfa-Bank for structured finance?","response":"The key benefits include a leading market position, individualized solutions, and access to a broad range of specialized financial instruments."},{"query":"Hybrid strategies for investment?","response":"Structured finance products use hybrid strategies combining fixed income and derivatives, suitable for various client cases."},{"query":"need to borrow securities","response":"Clients can borrow securities via REPO deals through Alfa Bank\u2019s Fixed Income Division, which uses competitive interest rates and expertise."},{"query":"Where to start a transfer in the app","response":"You can initiate transfers from the app\u2019s main screen or through the following path: Payments \u2192 Transfer Method."},{"query":"Can I freeze my card through the Alfa app?","response":"Yes, to freeze your card, open the mobile app, select All my products \u2192 Card \u2192 Freeze card."},{"query":"need company located in alfa region","response":"Yes, the lessee must be registered and located in a region where Alfa-Bank is present."},{"query":"Are your branches using Face ID?","response":"Yes, our new offices incorporate Face ID systems as part of the phygital model."},{"query":"Is the account opened immediately after ordering?","response":"Yes, the account is opened immediately upon ordering, allowing you to start using the card for transfers or online payments the same day."},{"query":"Can I use Aeroflot miles for flights other than Aeroflot?","response":"Yes, your miles can be used to purchase premium air tickets with Aeroflot or other SkyTeam airlines."},{"query":"Supplier needs help with payables","response":"Factoring services can assist suppliers in managing payables as part of their financial operations."},{"query":"What is the current credit rating of Alfa-Bank in Russia?","response":"The current national-scale credit rating of Alfa-Bank is AA+ (RU), with a Positive outlook, as confirmed by the Analytical Credit Rating Agency."},{"query":"Alfa-Bank debt obligations","response":"Alfa-Bank\u2019s liabilities consist of retail and wholesale debt instruments, including securitizations and structured products, all compliant with local and international accounting standards. For up-to-date specifics, review the latest annual financial statements available on our website."},{"query":"can i get a free card reissue?","response":"Yes, reissuing your card is free if you have the Premium tariff. Otherwise, a fee of 290 \u20bd applies."},{"query":"What\u2019s the focus of fundamental research?","response":"Fundamental research emphasizes differentiated insights through company valuations, leveraging analysts\u2019 expertise and unconventional data."},{"query":"Grace period ended, how is my balance handled?","response":"If you don\u2019t repay the debt during the grace period, interest is calculated on the full amount and for the full usage period."},{"query":"How to get higher rates for funds on hold?","response":"Increased credit interest requires a separate agreement with Alfa-Bank under a specific Additional agreement."},{"query":"can i use two currency accounts for fx transactions","response":"FX transactions are supported across two accounts held with Alfa-Bank in different currencies."},{"query":"grace period not updating","response":"The grace period resets automatically during the day after full repayment. Check your mobile app or Alfa-Online under \"Interest-free period\" for verification."},{"query":"how to avoid cashback issues?","response":"Clear your cart before shopping, click the partner offer button each time, and confirm you meet city\/minimum purchase requirements."},{"query":"Does the bank emphasize ethics in daily operations?","response":"Yes, ethics and transparency are central to how Alfa-Bank\u2019s employees operate on a daily basis."},{"query":"Do you prioritize customer needs in your fixed-income products?","response":"Yes, we focus on Customer demands."},{"query":"Structured bonds diversify portfolio?","response":"Yes, structured bonds help diversify your investment portfolio."},{"query":"What service packages exempt me from quasi-cash fees?","response":"The following service packages exempt you from quasi-cash commission: Maximum Ultra, Maximum Free, Maximum Ultra Free, Premium, and A-Club."},{"query":"Need credit presence","response":"Request a certificate of credit presence or absence via the mobile app or Alfa-Online."},{"query":"need online payment system for store","response":"Use Acquiring or E-commerce solutions to accept online payments without website changes."},{"query":"Can anyone access my personal data at Alfa-Bank?","response":"No, personal and confidential data can only be accessed by employees whose job roles require it. Unauthorized disclosure of such data is strictly prohibited."},{"query":"No money received after loan approved","response":"If your loan is approved, we\u2019ll send the agreement to your email. After you sign it, we\u2019ll deliver a free debit card with the funds or link the money to your current Alfa-Bank card. Wait for confirmation and the card arrival."},{"query":"Where to see credit card costs","response":"You can view the fee in the mobile app or Alfa-Online: Credit card \u2192 Tariffs."},{"query":"If my salary is not in Alfa-Bank, can I get a loan up to 300k with just a passport?","response":"Yes, loans up to 300,000 \u20bd require only a Russian passport. For larger amounts, additional documentation is necessary."},{"query":"Can you help with developing a strategy for a business acquisition?","response":"Yes, we assist clients in developing appropriate strategy and tactics of the transaction, including identifying targets for acquisitions."},{"query":"What is confidential factoring?","response":"Confidential factoring involves keeping the bank\u2019s involvement in the transaction private from the client\u2019s business partners, available in both recourse and non-recourse forms."},{"query":"do you offer structured debt solutions?","response":"Yes, Alfa-Bank is a prominent player in structured debt solutions, complex credit derivatives, and structured notes."},{"query":"How to get certificates for debit card?","response":"You can obtain certificates via the Alfa-Bank mobile app under \"Card account\" and then select \"Certificates and statements.\""},{"query":"how can we reduce payment risk with alfa-bank factoring?","response":"Alfa-Bank\u2019s factoring includes a non-recourse structure that fully covers payment risk for clients."},{"query":"i have an issue with the privacy policy","response":"Send an inquiry via the bank\u2019s online feedback form, ensuring the subject line states \"Privacy Policy.\""},{"query":"Cashback not showing up after purchase","response":"Check if you (1) clicked the button in the partner\u2019s offer, (2) avoided returning\/canceling the purchase, (3) cleared your cart before adding items again, and (4) met all offer conditions like location or minimum spending."},{"query":"What types of certificates can I get for my credit card?","response":"You can get a certificate of available balance (in Russian or English), certificate of credit presence or absence, account statement, or credit statement."},{"query":"Does the remaining limit reset every month?","response":"The remaining limit adjusts dynamically based on your previous expenses and does not reset monthly."},{"query":"What if I want to fix additional rate before maturity","response":"Early fixation of the additional interest rate is defined and available."},{"query":"Can my business apply for the Quality Seal reward program?","response":"Yes, businesses can participate in the annual competition with their own selection methodology and may receive gifts from the bank as part of the Quality Seal program."},{"query":"How does factoring reduce payment risks?","response":"It uses a non-recourse structure, meaning the bank covers the risk of non-payment from buyers, ensuring full coverage."},{"query":"can i lose part of my principal?","response":"Yes, if partial protection is selected, you might experience a loss depending on market performance and coupon conditions."},{"query":"Why was my incoming payment limited?","response":"There are no limitations on processing incoming RUB payments at Alfa-Bank."},{"query":"Can I get a Mir card from Alfa-Bank?","response":"Yes, Alfa-Bank issues Mir cards. View your available cards via the mobile app, Alfa-Online, or the bank\u2019s website."},{"query":"repo deals definition","response":"REPO deals are a method clients use to borrow or lend securities\/cash to optimize cash-flow and increase portfolio performance."},{"query":"Can I access certificates online for my debit card?","response":"Yes, certificates can be accessed in the Alfa-Bank mobile app under the Card account menu, specifically in the Certificates and statements section."},{"query":"how many documents are required to start investing?","response":"Three documents are required: Agreement, Risk Declaration, and Application for Accession."},{"query":"Can I use card at Kyrgyzstan banks","response":"Yes, you can use your card in all Kyrgyzstan banks participating in the ELCART payment system."},{"query":"FX transactions in two accounts?","response":"FX transactions are supported across two accounts with Alfa-Bank in different currencies."},{"query":"Does Mobile Bank work on PDA devices","response":"Yes, devices with added PDA functionality are compatible with the Mobile Bank application."},{"query":"Minimum one-time financing amount for leasing?","response":"The minimum one-time financing amount for equipment leasing is RUR30 mln."},{"query":"Documents about LPNs servicing","response":"Servicing of LPNs follows Russian laws including Presidential Executive Orders, decisions from the Bank of Russia Board of Directors, and the Bank\u2019s official clarifications."},{"query":"bond fx finance options","response":"Initial bond placements can be financed in major currencies."},{"query":"How to apply for phygital services?","response":"Use the mobile app or visit our branches for digital-physical hybrid services like Face ID and coffee points."},{"query":"Lost card","response":"If your card is lost, you can block and reissue it via the Alfa-Bank app or Alfa-Online. Unblock it later if found to reuse it."},{"query":"No cashback on my utility bill payment","response":"Utility payments (gas, water, waste collection) under MCC 4900 are excluded from cashback eligibility."},{"query":"Corporate finance and equity markets services","response":"Alfa-Bank offers advisory services in corporate finance and equity capital markets."},{"query":"What if I miss a loan payment?","response":"If you fail to pay your loan on time, we will charge 0.1% per day on the overdue amount."},{"query":"who is the person responsible for the privacy policy in alfa-bank?","response":"The privacy policy is approved by the order of the Chairman of the Management Board. Compliance with the policy is monitored by individuals responsible for organizing the processing of personal and confidential data within the bank."},{"query":"What form of income certificate can I use?","response":"Use a 2-NDFL certificate for the last 3 months or a certificate in the bank's format."},{"query":"what time are payments processed from my loan account?","response":"Payments are debited from your account by 11:00 PM Moscow time on the due date."},{"query":"Investing in bonds available?","response":"Yes, but only for qualified clients."},{"query":"Why should I care about fixed income products?","response":"Alfa-Bank focuses on customer demands when it comes to efficiency."},{"query":"Acquisition finance availability","response":"Alfa-Bank offers leveraged acquisition finance for businesses pursuing strategic mergers or acquisitions, with flexible loan structures."},{"query":"how do i make a partial early repayment of my cash loan?","response":"You can make a partial early repayment in the mobile app by following: **Your loan account \u2192 Repay early \u2192 Early repayment amount excluding monthly payment**."},{"query":"cheap way to send money in russia","response":"The cheapest option is to use FPS for transfers up to 100,000 \u20bd\/month (free), and card-to-card transfers via the app (free for Alfa-Bank cards)."},{"query":"What if I pay my loan after the due date?","response":"You\u2019ll be charged 0.1% per day on the unpaid portion of the loan."},{"query":"Why is my total repayment amount higher than the original cash loan?","response":"Interest is charged on the full loan amount immediately after it is issued. When repaying early, the repayment amount includes the interest that has already been accrued up to that moment."},{"query":"Pay other bank\u2019s credit card","response":"Yes, you can repay credit cards from other banks using your credit card."},{"query":"When is cashback from partners credited?","response":"We credit cashback on the 10th of each month."},{"query":"What if I want only a digital card?","response":"During ordering, select the digital card option. No physical card will be issued."},{"query":"What documents to apply for cash loan with Alfa-Bank salary card","response":"If your salary is credited to an Alfa-Bank card, only a Russian passport is required."},{"query":"Can structured bonds help increase my investment returns?","response":"Yes, structured bonds allow you to increase investment returns in a convenient format."},{"query":"do i get rewarded if my friend buys a low amount?","response":"Yes, any purchase amount qualifies for the referral bonus."},{"query":"What currency pairs include Chinese yuan?","response":"Alfa-Bank supports hedging for the CNY\/RUB currency pair among other foreign currencies."},{"query":"Can I reissue my card online?","response":"Yes, reissuing can be done through the Alfa-Bank app or Alfa-Online without visiting a branch."},{"query":"Can I finance an initial bond offering?","response":"Yes, we offer financing for clients participating in initial bond placements."},{"query":"Can I skip the Risk declaration?","response":"No, the Risk Declaration is mandatory along with the Agreement and Application for Accession for investment structured products."},{"query":"documents required for non-citizens","response":"Foreign citizens or stateless persons must bring the necessary documents as specified by the bank when requested for banking services."},{"query":"Is there a time limit for drawing down the loan?","response":"Yes, the loan must be drawn down within a calendar year."},{"query":"returned item, how does cashback adjust","response":"If a purchase is returned or partially canceled, the cashback amount will be adjusted in the same reporting period as the transaction."},{"query":"my account has a debt what to do","response":"If there\u2019s a debt on the account, you must repay it before the account can be closed."},{"query":"what\u2019s the cost of sbp transfers?","response":"SBP transfers are free, with a 0 \u20bd commission for all amounts."},{"query":"how much paper does alfa-bank save by using biometrics and digital signatures?","response":"Alfa-Bank saves 200 tons of paper annually, which is equivalent to 7 hectares of forest or 3,000 trees."},{"query":"no fee atm list","response":"Partner banks for fee-free ATM reloads include B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development. Alfa-Bank ATMs are also free."},{"query":"Cash loan: full repayment amount exceeds loan. Explain?","response":"Interest is applied to the full loan amount immediately. Early repayment means you pay the remaining interest accrued until that point, making the total higher than the original loan."},{"query":"What is cash pooling for groups of companies?","response":"Cash pooling allows you to control and manage the account balances of the Group of Companies, providing better liquidity oversight."},{"query":"what other documents are accepted besides residence permits?","response":"In addition to residence permits and temporary residence permits, documents recognized by federal laws or international treaties of the Russian Federation are also accepted for stateless persons."},{"query":"Why can't I change my payment date right now?","response":"You cannot change the payment date if: only one payment remains before full repayment, you\u2019ve already changed the date in the last 6 months, you took a loan holiday, or you\u2019ve submitted an early repayment application."},{"query":"Trade finance risks reduction methods","response":"Alfa-Bank minimizes risks in foreign economic operations by arranging various forms of funding, optimizing forex settlements, and providing expert financial solutions."},{"query":"How to cancel my card?","response":"You can block your card yourself through the Alfa-Bank app or Alfa-Online. If you later find the card, you can unblock it using the same methods."},{"query":"How does Alfa-Bank ensure compliance with Russian law for LPN payments?","response":"Alfa-Bank processes LPN payments in Russian rubles via Russian depositories for noteholders whose rights are recorded in the Russian clearing system, as required by legislation."},{"query":"do i need a credit card for the installment plan?","response":"No, the installment plan for daily expenses is available even if you don\u2019t have a credit card."},{"query":"Need urgent","response":"Certificates are sent instantly\u2014request them via app or online."},{"query":"yuan and rouble pairs","response":"Yes, investments can be linked to the CNY\/RUR currency pair as an underlying asset."},{"query":"environmental projects alfa-bank","response":"Alfa-Bank supports and develops projects related to environmental issues. Learn more in our ESG policies and reports."},{"query":"How do I know which payment system my card uses?","response":"You can check which payment system your card is associated with by viewing your account through the mobile app, Alfa-Online, or our official website."},{"query":"how much for fps transfers above 100,000 \u20bd?","response":"If your FPS transfers exceed 100,000 \u20bd in a month, the fee is 0.5% per transfer, capped at 1,500 \u20bd."},{"query":"Mir card issued by Alfa?","response":"Yes, we issue Mir payment system cards. Check the app, Alfa-Online, or the website for specifics about your account."},{"query":"cash loan not closed after paying last installment","response":"If your loan isn\u2019t closed after the final repayment, ensure the full amount was processed by 11:00 PM. We will automatically close the loan and notify you via SMS once complete."},{"query":"How does late payment affect my loan?","response":"Late payments incur a 0.1% per-day charge on the unpaid amount until resolved."},{"query":"Alfa-Bank FX Desk Best FX in Russia 9 years","response":"Alfa-Bank FX Team has been recognized as the Best FX Desk in Russia for 9 consecutive years from 2012 to 2020, as awarded by the Moscow Interbank FX Association (MMBA), reflecting the opinion of professional FX traders and dealers."},{"query":"How do you handle unique client requirements for fixed income?","response":"By focusing on Customer demands."},{"query":"product available for retail clients?","response":"No, it is exclusively for qualified clients."},{"query":"Cafeteria available","response":"Yes, each Alfa-Bank office has a cafeteria."},{"query":"How do you ensure client satisfaction with fixed-income products?","response":"By focusing on Customer demands."},{"query":"I want to know who oversees data protection in Alfa-Bank","response":"Data protection in Alfa-Bank is overseen by individuals responsible for organizing the processing of personal and confidential data as part of the bank\u2019s compliance framework."},{"query":"how does the income work in an outperformance certificate?","response":"The income in an Outperformance certificate is structured as participation with leverage."},{"query":"Referral link missing in the app","response":"The referral link is available in the app\u2019s home screen under Money for you and your friends \u2192 Debit card \u2192 Recommend. If it\u2019s not visible, update the app to the latest version."},{"query":"What are my rights regarding access to my data?","response":"You have the right to know how your data is processed, correct inaccuracies, withdraw consent, request deletion, restrict processing for promotions, and stop data transfers."},{"query":"Why choose a non-personalized card over the regular one?","response":"The non-personalized card offers the same financial benefits (free use, cashback) but is available much faster\u2014collect it in 10 minutes at a branch or receive it same-day via delivery."},{"query":"is gazprombank part of no-fee atm network?","response":"Yes, Gazprombank is a partner bank for fee-free ATM reloads with Alfa-Bank. Check their ATMs for balance or refills."},{"query":"I have a premium card. Do my foreign purchases earn cashback?","response":"Yes, if the purchase and account currencies differ when using a premium card abroad (except online stores), cashback may apply."},{"query":"How does electronic document flow work for factoring in Alfa-Bank?","response":"The platform allows suppliers and debtors to process electronic document flow (EDF), which is used for financing within several hours after verification."},{"query":"I need a credit statement","response":"You can request a credit statement through the mobile app or Alfa-Online."},{"query":"how does your bank handle lost or corrupted data?","response":"We ensure the ability to recover personal data that has been altered or destroyed without authorization."},{"query":"Can a payment agent accept payments for prohibited items via TSP services?","response":"No, TSP services exclude goods (works, services) listed by the Russian Government as prohibited for payment agents to accept payments from individuals."},{"query":"Certificate of registration expired what now","response":"If your tax registration certificate is expired, you can still proceed with the other required documents. The certificate is only required if currently valid and available."},{"query":"What is a Non-Deliverable Share Swap transaction?","response":"It is a unique format used in Russia for financing the buyback of shares, which Alfa-Bank implemented as one of its landmark structured transactions."},{"query":"What if I notice unclear clauses in the loan agreement?","response":"Ask bank employees for explanations and relevant documents. If unresolved issues remain, report to the local office of the Bank of Russia."},{"query":"lost my card what to do","response":"If your debit card is lost, block and reissue it through the Alfa-Bank app or Alfa-Online."},{"query":"max transaction limit for regular card cashback","response":"The maximum transaction amount eligible for cashback with a regular Alfa-Card is 100,000 rubles."},{"query":"What\u2019s the rate for my EUR account?","response":"EUR account interest is based on the LIBOR EUR overnight benchmark rate and the Schedule of interest from Alfa-Bank."},{"query":"How to install Alfa-Bank mobile app on Android?","response":"You can download the Android app from our website or from official stores like Huawei AppGallery, Xiaomi Market, Galaxy Store, GetApps, RuMarket, Rustore, or NashStore."},{"query":"Can I get a solution not available elsewhere?","response":"Alfa-Bank focuses on crafting tailored solutions for clients that may not be accessible through other Russian banks."},{"query":"Litigations during application","response":"Applications are denied if there are litigations at the time of application."},{"query":"Which countries accept my Mir card via Mir Pay?","response":"Mir Pay works in Armenia, Kyrgyzstan, and Kazakhstan at banks that already accept physical Mir cards."},{"query":"I need to open a letter of credit in USD","response":"Yes, we handle letter of credit transactions in RUB and foreign currencies, including USD."},{"query":"why is my limit higher after a transaction reversal?","response":"Your limit increased because the merchant reversed the transaction in rubles, either due to service non-provision or other legal grounds, which counts as a refund operation."},{"query":"How to access Moscow\u2019s banking resources via Alfa-Bank?","response":"Alfa-Bank supports Moscow-based initiatives through its membership in the Moscow Banking Union and the Council of representatives of Plenipotentiary Banks under Mayor of Moscow."},{"query":"do i need extra documents for a 300k rub loan?","response":"No, for a loan of exactly 300,000 \u20bd without an Alfa-Bank salary card, only a Russian passport is required."},{"query":"transaction limits not showing?","response":"Navigate to your profile in the Alfa-Bank app (tap your name on the home screen) and select \"Limits\" to view all transaction restrictions."},{"query":"What are the tax savings benefits?","response":"Leasing reduces profit and property tax bases. Payments are fully costed, lowering taxable income, and accelerated depreciation reduces property tax."},{"query":"I need Visa card for international transactions","response":"Alfa-Bank offers Visa cards for international use. Confirm availability via the app, Alfa-Online, or the bank\u2019s website."},{"query":"I\u2019m unsure about financing options for a corporate deal. Can you suggest alternatives?","response":"We analyze financing options and recommend optimal methods to fund the transaction."},{"query":"Structured finance for different client types?","response":"Structured finance products are available for different client types and situations, both on asset and liability sides."},{"query":"how do clients benefit from alfa-bank cash clearing?","response":"Clients gain solid benefits through the features and advantages available in Alfa-Bank\u2019s cash clearing and linked services."},{"query":"Margin trading forex stocks","response":"Margin trading is available for forex, stocks, and other assets."},{"query":"Is the PDF certificate legally valid?","response":"Yes, the PDF certificate with a signature and blue seal has the same legal power as a paper certificate."},{"query":"how to ensure my online payments work?","response":"Link your card to the service once, and it will process payments automatically without further input."},{"query":"who qualifies for subordinated debt?","response":"Subordinated debt is available to clients seeking investment structured finance solutions, though specific eligibility may depend on individual circumstances."},{"query":"Can I pay for things online with my debit card?","response":"Yes, you can pay for online purchases with your debit card. You can also link it to services like taxi or streaming platforms."},{"query":"Budget control system","response":"The budget performance control system automatically manages budget adherence and outgoing payments."},{"query":"Early payment of cash loan. Total is larger. Reason?","response":"Interest is applied to the full loan amount immediately. The repayment includes the interest accrued until the payment is made."},{"query":"PDF format","response":"The certificate is sent in PDF format with a signature and blue stamp after you download it."},{"query":"full payment done","response":"After full repayment, the grace period resets. Check the mobile app or Alfa-Online \u2192 Credit Card Account \u2192 Interest-free Period to confirm updates."},{"query":"Need papers to stay in Russia without citizenship","response":"A residence permit in the Russian Federation is mandatory for permanent stay."},{"query":"Code needs to be unique per device","response":"Yes, the Code can only be used on one Mobile Device, confirming its association with a single user\u2019s device."},{"query":"What are your ESG principles?","response":"Alfa-Bank's ESG principles include effective management focused on helping society, caring for nature, enhancing customer service, supporting employees, and creating a healthy corporate environment."},{"query":"Debt servicing legal source","response":"The legal sources include Executive Orders of the Russian President, Decisions of the Bank of Russia Board of Directors, and Bank of Russia clarifications."},{"query":"alfa-bank listed in any international banking councils?","response":"Yes, Alfa-Bank is represented as a Plenipotentiary Bank under Moscow\u2019s Mayor by the Council of Representatives."},{"query":"Can I avoid interest after the grace period?","response":"No, if you don\u2019t repay the debt during the grace period, interest will be charged for using the credit."},{"query":"can i get a credit card through the app?","response":"If you already have an existing account with Alfa-Bank, you can order a credit card via the mobile app or Alfa-Online under \"All my products \u2192 New account or product.\""},{"query":"alfa private mobile app features","response":"The mobile app for Alfa Private includes unique features tailored to private banking clients for convenient account management."},{"query":"Where to see transaction limits","response":"You can see your transaction limits in the mobile app by tapping your name on the home screen \u2192 Limits."},{"query":"How long till cashback?","response":"Cashback is usually processed by the 10th, but some partners take longer."},{"query":"What happens if I don\u2019t get the One-Time Password via SMS?","response":"The Bank also sends it as a Push notification to your phone number."},{"query":"split restaurant bill with friends","response":"Send a link to friends or colleagues in the app to split a restaurant bill or chip in for a gift."},{"query":"why is deferred payment important in factoring?","response":"Deferred payment is a key feature of factoring because it allows businesses to maintain liquidity while still engaging in transactions with suppliers or buyers."},{"query":"as a stateless person, do i need to submit any documents for banking?","response":"Yes, stateless persons must present a list of documents when applying for banking services."},{"query":"no visit russia required","response":"Correct, we handle all company registration and document submission with Russian authorities remotely."},{"query":"Where do I set my card PIN?","response":"After activating your card in the Alfa-Bank app or Alfa-Online (\"All my products\" \u2192 \"Card account\"), you will be prompted to set your PIN code."},{"query":"debt servicing legal source","response":"The legal sources include Executive Orders of the Russian President, Decisions of the Bank of Russia Board of Directors, and Bank of Russia clarifications."},{"query":"What are the flight requirements to keep my Aeroflot miles valid?","response":"To keep your miles valid, you must fly with Aeroflot, Nordavia, or a SkyTeam airline within two calendar years of registering in the Aeroflot Bonus program."},{"query":"NFC requires internet?","response":"NFC operates independently of internet connectivity, relying on direct short-range communication between devices for data exchange."},{"query":"Can I finance a bond at launch?","response":"Yes, we finance clients at initial bond placements."},{"query":"What is the lowest interest rate for leasing?","response":"The interest rates for equipment leasing start from an increase of 4%."},{"query":"What\u2019s included in Alfa-Bank\u2019s structured finance options?","response":"Structured Finance at Alfa-Bank includes Hybrid Products combining fixed income instruments and derivative strategies for asset and liability management."},{"query":"What liquidity solutions should I be aware of?","response":"Alfa-Bank includes a set of liquidity support solutions as part of their additional services, designed to complement basic access."},{"query":"What if the grace period date still shows?","response":"If the end date for the grace period is visible, the debt is not fully paid. Pay the remaining balance to reset the grace period."},{"query":"Can I repay my loan online?","response":"Yes, you can repay through your personal account online by navigating to **Loans \u2192 Replenish account**."},{"query":"Are loan interest payments paused?","response":"Scheduled interest payments under the Loans are paused because Alfa-Bank has not received the Specific Licence from OFSI."},{"query":"account in foreign currency","response":"Yes, we offer accounts in RUB and other currencies. The process requires minimal documentation."},{"query":"Install app for iPhone","response":"iPhone users can request a bank employee to install the app at home, visit a bank branch, or use the form on the website to request installation."},{"query":"i need a hedging strategy for libor","response":"Alfa-Bank offers interest-rate swaps and options tied to the Libor index for hedging."},{"query":"Does the Super Cashback drum apply to non-personalized cards?","response":"Yes, non-personalized cards offer up to 100% cashback in the Super Cashback drum, as well as 5% cashback in 4 categories or 3 categories plus 1% cashback on everything else."},{"query":"add alfa-online to home screen","response":"To add Alfa-Online to your home screen, open it in Safari, tap Share at the bottom of the screen, select \u201cAdd to Home Screen,\u201d and follow the prompts."},{"query":"What\u2019s a personal data subject?","response":"A personal data subject is an individual who is directly or indirectly identified or identifiable based on personal data."},{"query":"higher interest rate deposits","response":"Structured deposits from Alfa Bank allow a higher interest rate than classic deposits."},{"query":"Why pay more for card-number transfers","response":"Transfers by card number have a higher fixed fee (\u20bd390) compared to phone-number transfers (\u20bd150) and internal account transfers."},{"query":"Loan application is my offer","response":"Correct, your loan application is considered an offer, and the bank\u2019s acceptance creates the loan agreement."},{"query":"Is there a way to ensure my data isn\u2019t used for automated decisions?","response":"We disclose whether automated decision-making based solely on your personal data is applied, and you can request cessation of such processing."},{"query":"How to order in the app","response":"To order a debit card via the mobile app or Alfa-Online, go to \"All my products\" \u2192 \"New account or product.\" Follow the prompts to complete your order."},{"query":"Is there a cash withdrawal limit","response":"Yes, there is a cash withdrawal limit that is shared across all your cards and accounts, and it does not depend on the tariff."},{"query":"When does the interest-free period start again?","response":"It starts again during the day after full repayment of the debt. Check the mobile app or Alfa-Online \u2192 Credit Card Account \u2192 Interest-free Period for updates."},{"query":"What if I\u2019m not satisfied with the returns?","response":"Structured products are designed for market-linked returns; discuss expectations with a financial advisor before investing."},{"query":"how cashback works if i return part of purchase","response":"Cashback adjustments for partial returns occur in the reporting period of the original transaction."},{"query":"mir card available?","response":"Yes, Alfa-Bank offers Mir cards, along with Mastercard and Visa."},{"query":"Where are Alfa-Bank\u2019s equities trading teams active?","response":"Alfa-Bank\u2019s sales and trading teams operate on all exchanges listing Russian securities, including the Moscow Exchange (MOEX) and trading floors in New York, London, and other European cities."},{"query":"How does Alfa-Bank factoring help companies avoid debt?","response":"Alfa-Bank factoring allows your company to receive revolving funding that is not classified as a banking debt, helping maintain financial flexibility."},{"query":"No money after funds return. Can I still get overdraft fee?","response":"Yes, if the funds are returned due to delayed transaction confirmation but then confirmed later, and your account lacks sufficient money at that moment, an overdraft is charged."},{"query":"I need the application form for deposit products","response":"The Application for accession is required along with the Agreement and Risk declaration."},{"query":"Minimum payment is too low","response":"The minimum payment depends on your debt: it is 3\u201310% of your debt, with a \u20bd300 minimum. If your debt is less than \u20bd300, you\u2019ll pay the full amount."},{"query":"Higher interest for held amounts?","response":"Yes, if an Additional agreement is in place, amounts under hold may receive increased credit interest."},{"query":"What\u2019s the minimum business experience required?","response":"At least 18 months of business experience is required."},{"query":"I didn't pay fully during the grace period","response":"If you didn\u2019t repay the debt during the grace period, interest will be charged on the full amount for the entire usage time. Check your rate via the app \u2192 Credit card account \u2192 Tariffs."},{"query":"When is cashback transferred to my card?","response":"Cashback is typically transferred on the 10th of the month, but specific partners may follow their own payment schedules."},{"query":"what types of permits are valid for stateless persons?","response":"A temporary residence permit and a residence permit are both valid identity documents for stateless persons."},{"query":"How to accept card payments without website changes?","response":"Use Alfa-Bank's Acquiring or E-commerce solutions to process online payments without adjusting your website."},{"query":"What if the transaction confirmation is delayed?","response":"If a transaction is confirmed more than 9 days later, we return the funds to your account, but if there\u2019s insufficient money at that time, an overdraft occurs."},{"query":"Margin trading for forex","response":"Margin trading is available for forex and other underlying assets."},{"query":"How does overdraft happen?","response":"Overdraft occurs if you pay with your card and spend more money than was available in your account. The money isn\u2019t immediately withdrawn until the recipient\u2019s bank confirms the transaction."},{"query":"Bond launch assistance","response":"We support clients at initial bond placements."},{"query":"What if I discover an error in my personal data?","response":"You can request us to correct or supplement your personal data to address inaccuracies."},{"query":"structured product with gold","response":"Yes, if you select commodity as the underlying asset, you can use gold as part of the structured product."},{"query":"When do I need to use a One-Time Password?","response":"You need to use it when making a transaction through the Mobile Bank that requires additional security verification."},{"query":"Is the debit card free?","response":"Yes, the debit card is free. There are no fees for receiving it."},{"query":"What happens if the bond fails?","response":"Under full protection, the principal is returned, while partial protection depends on coupon conditions and market outcomes."},{"query":"What other documents are accepted besides residence permits?","response":"In addition to residence permits and temporary residence permits, documents recognized by federal laws or international treaties of the Russian Federation are also accepted for stateless persons."},{"query":"Why can\u2019t I take out dollars in foreign bank ATMs?","response":"You cannot withdraw dollars from third-party ATMs abroad, but you can withdraw the local currency and exchange it for dollars at a currency exchange office."},{"query":"Data security compliance with law?","response":"Our security measures strictly comply with Russian legislation regarding personal data protection, including organizational and technical safeguards."},{"query":"How to ensure payments go through top-tier banks","response":"Payments are routed through the largest European, Asian, and US banks as standard."},{"query":"non recourse structure?","response":"Factoring with Alfa-Bank includes a non-recourse structure providing full coverage for payment risks."},{"query":"do you process special data without my consent?","response":"Special categories like health or criminal records are processed only when legally mandated or permitted, not on a standard basis."},{"query":"What counts as quasi-cash?","response":"Quasi-cash transactions include operations like paying for lottery tickets, sending money to e-wallets, buying cryptocurrency, and casino settlements."},{"query":"need to correct my data because it\u2019s wrong","response":"You have the right to request corrections or supplements to your personal data if inaccuracies are discovered."},{"query":"repo to increase portfolio performance","response":"Using REPO deals helps clients increase portfolio performance by borrowing or lending securities\/cash to optimize cash-flow."},{"query":"what if the chosen stock is delisted?","response":"Delisting may affect the underlying asset's performance; the bank will notify you and offer options based on the situation."},{"query":"Interest on credit card after grace period ends","response":"If you don\u2019t repay the debt during the grace period, interest is calculated on the full amount and for the full usage period."},{"query":"interest on my usd account?","response":"For USD account balances, daily interest is calculated using the LIBOR USD overnight rate and the Schedule of interest from Alfa-Bank."},{"query":"are high-yield bonds available for investment?","response":"Yes, we have experience in trading high-yield bonds as part of our corporate bond services."},{"query":"Corporate clients","response":"We serve corporate clients such as companies based in Russia or having core assets in Russia."},{"query":"I bought a car for 600,000 RUB using a World Black Edition card. How are miles calculated?","response":"For the World Black Edition debit card, no miles are credited for purchases over 500,000 RUB. Your miles will be calculated based on the first 500,000 RUB of the purchase."},{"query":"Are all three payment systems (Mir, Mastercard, Visa) available for every client?","response":"Alfa-Bank issues cards under Mir, Mastercard, and Visa. Whether a specific payment system is available to you can be verified in the mobile app, Alfa-Online, or on our website."},{"query":"self cash collection process","response":"Self Cash Collection allows you to deposit income into current accounts through online ATMs for business cash flow management."},{"query":"Multiple cash loans allowed?","response":"Yes, there are no limits on the number of loans a borrower can take."},{"query":"Can a non-resident be part of the company?","response":"Yes, participation of non-residents of the Russian Federation and\/or government in the authorized share capital is allowed up to 49%."},{"query":"What regions does Alfa-Bank\u2019s equities franchise focus on?","response":"Alfa-Bank\u2019s equities services prioritize the Russian market, with exclusive coverage for investors interested in Russia and the CIS region."},{"query":"I need assistance structuring a takeover. How can you help?","response":"Our advisors prepare optimal transaction structures and coordinate all necessary legal documentation."},{"query":"Quasi-cash transaction example","response":"Examples of quasi-cash transactions include buying traveler\u2019s checks, sending money to e-wallets, purchasing cryptocurrency, and paying for casino games."},{"query":"Use credit card for taxis?","response":"You can link your credit card to taxi services for automatic payments."},{"query":"How can I access Alfa-Online without downloading the app?","response":"You can use Alfa-Online by accessing it as a mobile banking site on your smartphone. It works without needing to download the app."},{"query":"Alfa-Bank primary bonds placements?","response":"You can participate in initial bond placements worldwide through Alfa-Bank\u2019s professional brokers and analysts."},{"query":"how to change my card delivery time","response":"You can change the delivery time via the mobile app, Alfa-Online, or call +7 495 788 88 78 (Moscow) or 8 800 200 00 00 (other regions)."},{"query":"How can I apply for a cash loan with Alfa-Bank?","response":"You can apply for a cash loan by filling out an application on the Alfa-Bank website. If you\u2019re an existing client, you can also apply via the mobile app through **All my products \u2192 New account or product \u2192 Take out a loan**."},{"query":"What\u2019s the maximum credit available?","response":"The installment plan for daily expenses allows borrowing up to 100,000 rubles."},{"query":"Can non-banking institutions partner as correspondent?","response":"Yes, non-banking credit institutions from Russia and abroad maintain correspondent accounts with Alfa-Bank."},{"query":"I paid the loan late\u2014how much do I owe now?","response":"You\u2019ll need to pay the original amount plus 0.1% per day for each day the payment was delayed."},{"query":"Cash withdrawal limit shared across accounts?","response":"Yes, the cash withdrawal limit is shared across all your cards and accounts."},{"query":"I want a Mastercard. Can you do that?","response":"Yes, Alfa-Bank issues Mastercard cards. Confirm availability for your account via the mobile app, Alfa-Online, or our website."},{"query":"I paid 2,340 rubles but only got cashback for 2,300. Why?","response":"We round the purchase amount down to the nearest hundred when calculating cashback."},{"query":"Is transferring money to an e-wallet a quasi-cash transaction?","response":"Yes, transferring money to an e-wallet is considered a quasi-cash transaction, and a commission may be charged for such operations."},{"query":"Can\u2019t access referral program page","response":"Update the Alfa-Bank app to the latest version to resolve access issues to the referral program features."},{"query":"how to ensure payment speed in remote areas?","response":"Alfa-Bank\u2019s widespread correspondent network supports real-time cross-regional payments regardless of location."},{"query":"How to check cash loan app status?","response":"The loan decision is notified via SMS after a maximum of 5 business days."},{"query":"cashback rounding rules","response":"Cashback calculations round the purchase amount down to the nearest hundred rubles. A 2,340 ruble payment would count as 2,300 rubles for cashback purposes."},{"query":"21 years old required","response":"Correct, you need to be over 21 to qualify."},{"query":"What if I miss the cut-off time?","response":"If your payment is sent after the cut-off time, it will be processed on the next business day."},{"query":"can i finance a bond at launch?","response":"Yes, we finance clients at initial bond placements."},{"query":"Tax benefits of leasing?","response":"Leasing reduces profit and property tax bases. Leasing payments are fully charged to costs, reducing taxable income. Accelerated depreciation also saves on property tax."},{"query":"How do holiday cut-offs differ for electronic and book transfers","response":"Electronic payments have a 5pm Moscow time cut-off for holidays, while book transfers have a 6pm cut-off."},{"query":"Apply for loans online","response":"You can apply for loans or insurance without visiting a branch through the app."},{"query":"how can i get permanent residence in russia as a stateless person","response":"As a stateless person, you must have a residence permit in the Russian Federation to reside permanently."},{"query":"How about people who aren\u2019t clients but respond to surveys?","response":"The bank processes personal data of respondents who are not its clients."},{"query":"How to ensure compliance for offshore use?","response":"Structured products offered by Alfa-Bank are for Russian compliance; offshore use requires separate legal arrangements."},{"query":"Equity support email","response":"Submit equity inquiries to support@alfabank.ru."},{"query":"Use card to repay friends","response":"Yes, you can transfer money to others\u2019 accounts to repay friends or split expenses, using card-to-card transfers or Fast Payment System."},{"query":"Free card with no strings","response":"The Debit Alfa-Card is free to get and keep, with no conditions."},{"query":"What does cross-border personal data transfer mean?","response":"Cross-border personal data transfer is the transfer of personal data to a foreign country's authority, individual, or legal entity."},{"query":"I missed cashback conditions","response":"Cashback conditions include requirements like city, purchase amount, or partner-specific rules. If unmet, the cashback will not be issued."},{"query":"competitive rates for repo financing","response":"Alfa Bank offers financing for REPO deals at competitive interest rates to institutional and private investors."},{"query":"Same cashback benefits for non-personalized?","response":"Yes, it includes up to 100% cashback in the Super Cashback drum and 5% cashback in 4 categories or 3 categories + 1% cashback on all other transactions."},{"query":"What\u2019s your expertise in credit derivatives?","response":"Alfa-Bank is experienced in complex credit derivatives as part of its structured finance services."},{"query":"byn bank and swift code","response":"The Belarussian Ruble (BYN) uses Closed Joint-Stock Company \u2018Alfa-Bank\u2019 with SWIFT code ALFA BY 2X."},{"query":"Need agreement for structured deposits","response":"Yes, the Agreement is a required document for structured deposits."},{"query":"what is the phygital model?","response":"We build new offices combining digital and physical experiences\u2014no wires or paper, but with coffee points and Face ID systems for seamless service."},{"query":"My certificate not showing","response":"Check your inbox and spam folder for the PDF certificate sent to your email."},{"query":"Same day processing for USD","response":"Yes, USD payments are executed same day value."},{"query":"Alfa Private for business solutions","response":"Alfa Private offers services for complex business tasks, making it a one-stop solution for all your needs."},{"query":"My card works in Belarus?","response":"Your card works in all banks participating in the BELKART payment system and VTB Belarus in Belarus."},{"query":"What can I do with a credit card?","response":"With a credit card, you can pay for goods and services (including online and via QR code in stores), withdraw cash from ATMs, make transfers, and repay credit cards from other banks."},{"query":"Verification during Mobile Bank usage","response":"The Bank identifies the User during interactions to enable operations under the Agreement via Mobile Bank."},{"query":"Need to create an account first","response":"You must already have an account with Alfa-Bank to order a card via the mobile app. If you don\u2019t have one, create it via the website first."},{"query":"Can Alfa-Bank help with corporate mergers and acquisitions?","response":"Yes, Alfa-Bank offers advisory services on corporate acquisitions and mergers, along with support for divestures."},{"query":"What does Alfa-Bank\u2019s structured finance factory produce?","response":"The structured finance factory at Alfa-Bank produces a wide array of structured products, including structured debt and notes."},{"query":"my email didn\u2019t receive the certificate\u2014only app?","response":"The certificate is sent to your email and also saved in the \"Certificates and statements\" section of the mobile app or online banking."},{"query":"optimize portfolio with repo","response":"REPO deals allow clients to optimize their portfolio performance by efficiently managing cash-flow through borrowing\/lending."},{"query":"Legal framework for debt servicing","response":"Debt servicing for Loans and LPNs follows the current Russian Federation legislation, including Presidential Executive Orders, Decisions by the Bank of Russia Board of Directors, and Bank of Russia clarifications."},{"query":"How do I add the Alfa-Online shortcut to my home screen?","response":"Open Alfa-Online in Safari, tap the 'Share' button at the bottom of the screen, select 'Add to Home Screen', and follow the prompts."},{"query":"Transaction confirmed after 9 days. Is that bad?","response":"Yes, if the transaction is confirmed after 9 days, we withdraw the funds again. If there\u2019s insufficient money in your account at that point, an overdraft occurs."},{"query":"loan certificate process","response":"Access the app, tap your name \u2192 **Statements and references \u2192 On the presence or absence of loans**. The certificate in PDF format with the bank\u2019s blue stamp will be emailed to you."},{"query":"equity finance solutions available?","response":"Yes, Alfa-Bank offers equity finance solutions for client needs."},{"query":"applied for ofsic ofac licenses?","response":"Alfa-Bank requested licenses from OFSI and OFAC to process payments under Loans and LPNs."},{"query":"Why is my limit higher after a transaction reversal?","response":"Your limit increased because the merchant reversed the transaction in rubles, either due to service non-provision or other legal grounds, which counts as a refund operation."},{"query":"How does a cash loan increase my limit","response":"A cash loan increases your cash withdrawal limit by the loan amount for 30 calendar days."},{"query":"can i finance an initial bond offering?","response":"Yes, we offer financing for clients participating in initial bond placements."},{"query":"Transaction approved 10 days later, overdraft occurs?","response":"Yes, if the transaction is confirmed more than 9 days after being held and there\u2019s insufficient funds in your account at that time, an overdraft will occur."},{"query":"how to access moscow\u2019s banking resources via alfa-bank?","response":"Alfa-Bank supports Moscow-based initiatives through its membership in the Moscow Banking Union and the Council of representatives of Plenipotentiary Banks under Mayor of Moscow."},{"query":"Physical address Moscow","response":"The physical address in Moscow is 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"Mir payment system available?","response":"Yes, we issue Mir cards. You can check your debit card\u2019s payment system via the app, Alfa-Online, or the website."},{"query":"Do you offer structured debt solutions?","response":"Yes, Alfa-Bank is a prominent player in structured debt solutions, complex credit derivatives, and structured notes."},{"query":"Book transfer cut-off time","response":"Book transfers have a cut-off time of 6pm Moscow time on weekends and holidays."},{"query":"is alfa-online available only via safari?","response":"Alfa-Online works through any browser on your smartphone, but adding it to your home screen is recommended via Safari."},{"query":"how to add icon for alfa-online?","response":"Open Alfa-Online in Safari, tap Share, choose \u201cAdd to Home Screen,\u201d log in with your card number, create a username and password, and tap \u201cSave Password\u201d to keep it stored."},{"query":"If I\u2019m a stateless person, what documents are needed?","response":"Stateless persons are required to present a list of documents when applying for banking services."},{"query":"How is cashback calculated?","response":"Cashback is calculated based on the amount you spend\u2014higher spending leads to a higher cashback return."},{"query":"How do I request a certificate for my debit card?","response":"You can obtain a certificate for your debit card through the mobile app or Alfa-Online by navigating to \"Card account \u2192 Certificates and statements.\""},{"query":"I missed a payment by a day, what now?","response":"You\u2019ll need to pay your loan immediately. A 0.1% fee will be added daily to the overdue amount."},{"query":"Can I print it","response":"Yes, the PDF certificate with a signature and blue stamp can be printed for your records."},{"query":"Alfa-Bank rating agency \u2013 which?","response":"The Analytical Credit Rating Agency (ACRA) assesses Alfa-Bank\u2019s national-scale credit rating."},{"query":"Why do eco-envelopes use soy ink?","response":"Eco-envelopes use soy ink because it evaporates after a year, reducing environmental impact compared to traditional inks."},{"query":"Cash pooling not working","response":"Verify that your cash pooling settings are properly configured to control Group of Companies' account balances."},{"query":"Repayment options for investment deposits?","response":"Repayment can be in the original deposit currency or an alternative currency at the agreed conversion rate, with no additional fees for the alternative currency option."},{"query":"does cash withdrawal count toward monthly limit?","response":"For cards with the free cash withdrawal feature, yes. The monthly limit is \u20bd50,000, with any excess incurring a commission."},{"query":"Can I use Aeroflot miles to pay for purchases?","response":"No, purchases can only be paid for entirely with RUB, USD, or EUR. You cannot use miles to make purchases directly."},{"query":"What payment systems does Alpha-Bank support?","response":"Alpha-Bank supports the international payment systems MasterCard Worldwide, Visa International, and the national payment system MIR."},{"query":"visa card users get fee-free cash at partner banks?","response":"Yes, Visa cardholders can withdraw cash for free at B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, or Ural Bank for Reconstruction and Development."},{"query":"Equity trading hours?","response":"Equity trades can be made Monday\u2013Friday during exchange hours, 10:00 to 18:00."},{"query":"No debt and no money on card","response":"If there is no credit debt and no personal money on the card, the next step is to ensure there are no arrests, holds, or pending transactions."},{"query":"plastic waste reduction methods","response":"Alfa-Bank reduces plastic waste by using remelted plastic cards and plant-based materials for new products."},{"query":"friend already has an Alfa-Bank account. can i refer them?","response":"No, you cannot refer someone who already has a debit card, an active card application, a current account, or previously applied via a referral."},{"query":"Margin trading forex forex","response":"Margin trading includes forex and leveraged forex trading."},{"query":"Can I trust the bank with sensitive data like biometrics?","response":"Yes, we secure biometric data for identity verification, access control, and vault safety, while adhering to legal confidentiality obligations."},{"query":"Can my company apply if we\u2019re registered outside Russia?","response":"No, the lessee must be a resident of the Russian Federation for leasing special vehicles."},{"query":"Which currency is used for the investment?","response":"The investment is in Russian rubles."},{"query":"no cashback listed","response":"Ensure you check the **Your Total Cashback** section in the app or Alfa-Online. Cashback appears there and is credited on the 10th of the month following your purchases."},{"query":"no fee for small purchases?","response":"Yes, you won\u2019t be charged the quasi-cash fee for purchases under 500 \u20bd."},{"query":"Need account to trade stocks","response":"Yes, you need a brokerage account. Open it through the Alfa-Bank app, Alfa-Online, or at a branch."},{"query":"can i apply for a car insurance policy through the app?","response":"Yes, you can apply for insurance (including car insurance) directly in the app without visiting the bank office."},{"query":"How to avoid double currency conversion when using my card overseas?","response":"Link your card to a ruble account to eliminate double conversion\u2014check rates on the Central Bank website."},{"query":"Cash loan for any purpose?","response":"Yes, a cash loan can be used for any purpose."},{"query":"Can\u2019t find freeze card in app","response":"Check the main screen and tap \"All my products\" \u2192 \"Card\" \u2192 \"Freeze card\" in the mobile app."},{"query":"Best bank in Russia?","response":"Yes, we are awarded as the best bank in Russia by Euromoney magazine."},{"query":"Does Alfa Private handle all banking needs?","response":"Yes, Alfa Private serves as a comprehensive solution for everything from basic banking to advanced investment and business tasks."},{"query":"What countries work with Alfa-Bank Mir cards?","response":"Mir cards work in Abkhazia, Armenia, Belarus, Tajikistan, Kyrgyzstan, and South Ossetia."},{"query":"where is the main office located?","response":"The main office of Alfa-Bank is located at 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"How is the payment schedule adjusted?","response":"Payments can be monthly or quarterly, with seasonal adjustments and a grace period based on the client\u2019s cash flow."},{"query":"personal data subject meaning?","response":"A personal data subject is an individual directly or indirectly identified or identifiable based on personal data."},{"query":"Apply credit card online?","response":"Yes, apply on the Alfa-Bank website by selecting a card, completing the form, and awaiting approval. Delivery options include the branch you specified or courier."},{"query":"No OFSI license","response":"Alfa-Bank has not received the Specific Licence from OFSI, which is required to proceed with interest payments under the Loans."},{"query":"The referral section is not showing in my app","response":"Ensure your app is updated to the latest version by heading to the app store and checking for updates."},{"query":"Difference between debit and credit card?","response":"A debit card uses your own money for transactions, whereas a credit card allows you to borrow money beyond your available funds."},{"query":"i bought over the minimum required for cashback but didn\u2019t get it","response":"Confirm you met all requirements, including the minimum purchase amount, and that you clicked the partner\u2019s button. Also ensure you didn\u2019t return\/cancel the purchase or add items to the cart prematurely."},{"query":"i dont want my data used for marketing","response":"You can request restriction of the processing of your personal data if it is used for promotional purposes."},{"query":"Debit vs credit card difference?","response":"A debit card holds your own money, while a credit card allows you to borrow a limited amount from the bank, which you then repay. With a debit card, you cannot borrow money."},{"query":"How does the One-Time Password work?","response":"When you initiate a secured transaction, the Bank generates a numeric code and sends it via SMS or Push notification to your registered phone number for confirmation."},{"query":"how to diversify investments effectively?","response":"Structured bonds help diversify investments by enabling income generation from various market movements while increasing returns."},{"query":"how to assess my ability to repay a loan","response":"Weigh the pros and cons of the loan, and objectively evaluate your capacity to repay it on time."},{"query":"Account statement needed","response":"Request your account statement through the mobile app or Alfa-Online."},{"query":"Acquiring vs E-commerce?","response":"Both Acquiring and E-commerce allow online payments without modifying your website, but E-commerce specifically supports e-commerce operations."},{"query":"Where do I set my card PIN?","response":"To set your PIN code, open the Alfa-Bank app or Alfa-Online, go to \"All my products \u2192 Card account,\" and follow the instructions to set your PIN."},{"query":"Which payment systems to target in Armenia","response":"For cash withdrawals in Armenia, use banks in the ArCa payment system."},{"query":"Application for Accession not completed","response":"One of the necessary documents for investment structured products is the Application for Accession, which you must finalize."},{"query":"How much is charged for late payments?","response":"For missed loan payments, a daily fee of 0.1% is charged on the overdue amount."},{"query":"My business uses multiple currencies. Any solution?","response":"Yes, the Deal Currency Deposit is ideal for managing multi-currency balances, allowing you to hedge market risks and optimize currency conversions."},{"query":"Account in foreign currency","response":"Yes, we offer accounts in RUB and other currencies. The process requires minimal documentation."},{"query":"Get PDF document","response":"The certificate in PDF format with a signature and blue stamp will be sent to your email after you request it via the mobile app or Alfa-Online."},{"query":"Samsung Pay Alfa-Bank Mir card","response":"Yes, Android users can add their Alfa-Bank Mir card to Samsung Pay for payments. Apple users: no support yet."},{"query":"mir not working abroad","response":"MIR is primarily for domestic use. For international payments, use Visa or MasterCard."},{"query":"My email is full","response":"Ensure your email account has enough space to receive the certificate in PDF format with a signature and blue stamp from the bank."},{"query":"Alfa Bank rating updated in 2024","response":"In 2024, Alfa-Bank\u2019s rating on the Chinese national scale was updated to AA- with a Stable outlook by China Lianhe Credit Rating Co., Ltd."},{"query":"margin trading forex commodities","response":"Margin trading includes forex, commodities, and other assets."},{"query":"fast account opening","response":"You can open an account with a small set of documents needed."},{"query":"iPhone app installation help","response":"Request a bank employee to install the app for you at home, visit any branch, or use the website form to arrange installation."},{"query":"bank branch alfa definition","response":"A Bank Branch refers to an additional office or credit and cash office operated by JSC \u201cALFA-BANK\u201d for serving individual clients."},{"query":"Where is the CNY correspondent bank located?","response":"The correspondent bank for Chinese Yuan (CNY) is BANK OF CHINA (RUSSIA), located at Pr-t Mira 72, Moscow, 129110."},{"query":"Best bank awards?","response":"We\u2019re recognized as the best bank for business by Markswebb and the best bank in Russia by Euromoney."},{"query":"What does factoring cover?","response":"Factoring covers services for managing both receivables (money your clients owe you) and payables (money you must pay suppliers)."},{"query":"How is interest calculated for an overdraft?","response":"Any unpaid overdraft amount is converted into an overnight loan at a rate based on the benchmark rate."},{"query":"Why is my cash loan repayment amount higher than the loan I took?","response":"The full repayment amount includes interest that is charged immediately on the entire loan amount, even if you repay it early."},{"query":"how to convert cashback to rubles","response":"Convert your accumulated cashback points into rubles in the \u201cAll Your Cashback\u201d section of the app. Each point equals 1 ruble."},{"query":"My card isn\u2019t working online. What should I do?","response":"Once your card is linked to an online service, payments go through automatically. If it\u2019s not working, ensure the card is properly linked or try re-linking it."},{"query":"need mailing address","response":"The mailing address for Alfa-Bank is 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"russian equity indexes","response":"Yes, Russian equity indexes are included as underlying assets for investment structured products."},{"query":"How does the Mobile Bank verify my requests?","response":"The Mobile Bank verifies your requests by confirming the legitimacy of your operations in accordance with the agreement."},{"query":"How is credit interest calculated?","response":"Interest is calculated on the full amount of the debt and for the full usage period after the grace period ends."},{"query":"Can I use Alfa-Online if I don\u2019t have the app installed?","response":"Yes, Alfa-Online functions like the app but doesn\u2019t require downloading. Simply follow the steps to add it to your home screen via Safari."},{"query":"Phone number Moscow office","response":"The Moscow office can be reached at +7 (495) 620-91-91."},{"query":"Which banks act as Nostro agents for Alfa-Bank?","response":"Payments are routed through large European, Asian, and US banks acting as Nostro agents."},{"query":"what are my rights regarding access to my data?","response":"You have the right to know how your data is processed, correct inaccuracies, withdraw consent, request deletion, restrict processing for promotions, and stop data transfers."},{"query":"Why some goods\/services excluded from TSP services?","response":"Certain goods or services are excluded because the Russian Government prohibits payment agents from accepting payments for them from individuals."},{"query":"Is there a charge for credit card account statement?","response":"No, account statements for credit cards can be downloaded free of charge through the Alfa-Bank app or Alfa-Online."},{"query":"Margin trading fx forex","response":"Margin trading includes forex for leveraged access."},{"query":"Bonds and notes","response":"Bonds and structured notes are among our investment offerings for corporate clients."},{"query":"How to track budget compliance","response":"The budget performance control system automatically tracks and controls your budget adherence and outgoing payments."},{"query":"Alfa-Bank unique securitisation deals","response":"Alfa-Bank pioneered the first Diversified Payments Rights securitisation program in Russia."},{"query":"Can the app notify me about traffic fines?","response":"Yes, add your car number in the app to receive instant notifications about fines and pay them with a 50% discount."},{"query":"Credit derivatives for risk management?","response":"Credit derivatives, such as credit default swaps, are available to hedge against potential credit risks as part of Alfa-Bank\u2019s structured finance products."},{"query":"Is there limited recourse in the LPNs programme?","response":"Yes, the programme includes limited recourse to Alfa Bond Issuance plc."},{"query":"Need remote access for business account management","response":"You can use Alfa Business Online for PC-based access, Alfa Business Mobile for mobile devices, or Alfa Link for integration with 1C accounting software."},{"query":"How to confirm the grace period is active?","response":"Check the mobile app or Alfa-Online \u2192 Credit Card Account \u2192 Interest-free Period. If no end date is shown, the debt is settled, and a new grace period starts with the next qualifying transaction."},{"query":"My card is lost. How to block it?","response":"If your card is lost, you can block and reissue it via the Alfa-Bank app or Alfa-Online."},{"query":"Card lost","response":"If your card is lost, you can block and reissue it via the app or Alfa-Online. If you find it later, unblock it using the same methods and reuse it."},{"query":"What documents needed for investment structured products?","response":"You need the Agreement, Risk Declaration, and Application for Accession to proceed with investment structured products."},{"query":"is sbp transfer instant","response":"Yes SBP transfers credit funds immediately to the recipient's card."},{"query":"Need office details","response":"Alfa-Bank headquarters are at 27 Kalanchevskaya str., Moscow, Russia, 107078. You can call them at +7 (495) 620-91-91."},{"query":"my data was transferred abroad","response":"We will inform you whether your data has been or may be transferred to other countries."},{"query":"can you help with coal price risk?","response":"Yes, Alfa-Bank offers commodity swaps and options to hedge coal price fluctuations."},{"query":"Is Alfa-Bank\u2019s rating outlook positive?","response":"The outlook for Alfa-Bank\u2019s AA- credit rating is Stable."},{"query":"card closure process","response":"To close your card, navigate to All my products \u2192 Card \u2192 Close card in the Alfa-Bank app or Alfa-Online. The card will be closed immediately."},{"query":"How do I check my credit card service fee?","response":"You can view the fee in the mobile app or Alfa-Online: Credit card \u2192 Tariffs."},{"query":"Are Visa cards available?","response":"Yes, Alfa-Bank offers Visa cards, along with Mir and Mastercard."},{"query":"No charge","response":"Certificates and statements are free to request in the Alfa-Bank app or Alfa-Online."},{"query":"What is an Outperformance certificate?","response":"An Outperformance certificate is a structured bond with capital at risk that offers income in the format of participation with leverage."},{"query":"what about casino transactions and cashback?","response":"Transactions with MCC codes 7800, 7801, 7802, 7995, and 9754 (including casinos, gambling, and betting) do not earn cashback."},{"query":"What is cashback on Alfa-Card?","response":"With the Alfa-Card, you get part of your spending back in rubles every month. The more you spend, the more cashback you receive."},{"query":"Clearing services for corporate clients RUB","response":"Alfa-Bank supports corporate clients with real-time payments, book transfers, outgoing\/incoming RUB payments, and CLS RUB settlements when enabled."},{"query":"Need statement for my cash loan","response":"Open the app, tap your name \u2192 **Statements and references** \u2192 **Loan statement**, choose the loan and time interval."},{"query":"How does factoring help optimize the balance sheet?","response":"Factoring helps optimize the balance sheet by accelerating receivables turnover and reducing outstanding liabilities."},{"query":"What if I cannot meet the payment schedule?","response":"Grace periods are available, but the payment schedule must be planned in advance (annuity, differentiated, seasonal, or grace period)."},{"query":"how do i contact alfa bank?","response":"You can contact Alfa-Bank via their phone number: +7 (495) 620-91-91."},{"query":"how to get usd when traveling?","response":"You can withdraw the local currency from a third-party ATM abroad and then exchange it for USD at a currency exchange office."},{"query":"next day payments for other european and cis currencies","response":"Payments in other European and CIS currencies get executed next day value."},{"query":"what if i pay less than required","response":"If you pay less than the minimum required amount, your grace period will end, and interest will be charged on the entire debt."},{"query":"how to find out exact fee for my tariff?","response":"Clarify the exact fee based on your tariff at a branch or by calling +7 495 78-888-78 (Moscow) or 8 800 200 00 00 (other regions)."},{"query":"Can I pay utility bills via debit card?","response":"Yes, you can pay for utilities, internet, or mobile balance top-up using your Alfa-Bank debit card."},{"query":"Can a bank charge extra if I pay my loan late?","response":"Yes, if any payments are not made, or are late and\/or incomplete, the bank may demand a penalty (fine, interest) as specified in the loan agreement."},{"query":"what\u2019s the benefit if i use alfa-bank cash clearing","response":"You gain solid benefits by accessing the features and advantages of Alfa-Bank\u2019s cash clearing and linked services."},{"query":"How does a debit card work?","response":"A debit card only holds your own funds. There is no ability to borrow money or use credit with a debit card."},{"query":"what if my friend closed their Alfa-Bank account recently?","response":"You cannot refer someone who closed their account less than 90 days ago."},{"query":"What documentation is needed for payment schedule planning?","response":"You\u2019ll need to specify whether payments are annuity, differentiated, seasonal, or include a grace period."},{"query":"Credit card features","response":"A credit card allows you to pay for goods and services, withdraw cash from ATMs, make transfers, use QR code payments in stores, and repay credit cards from other banks."},{"query":"Investment products need extra forms","response":"The three documents listed (Agreement, Risk Declaration, Application for Accession) cover all requirements."},{"query":"closing card no fee","response":"If there was a service fee associated with your card, it will no longer be charged once you close the card."},{"query":"Do purchases abroad earn miles?","response":"Yes, miles are credited for purchases made abroad using your Alfa-Bank Aeroflot card."},{"query":"Alfa cashback rules","response":"Cashback rounds purchases down to the nearest hundred, transactions must not exceed 100k\/500k rubles, and points appear after 2 days."},{"query":"need certificate with blue seal","response":"The certificate obtained via the mobile app or Alfa-Online includes a blue seal and electronic signature. It will be available as a PDF on your computer and in your online banking portal."},{"query":"What happens to my data after it\u2019s no longer needed?","response":"We destroy your personal data irreversibly within the statutory period once processing is no longer necessary or if you withdraw consent, unless legally required to retain it."},{"query":"how can i view my transaction limits in the alfa app?","response":"Open the Alfa-Bank mobile app, tap your name on the home screen, and select \"Limits\" to check transaction limits for cash withdrawals, payments, and transfers."},{"query":"Do you use my data for research?","response":"We use aggregated and anonymized data for statistical analysis, research, forecasting, and building scoring models to enhance services."},{"query":"Does Alfa-Bank support primary market participation for equities?","response":"Yes, Alfa-Bank gives access to equity primary markets."},{"query":"free card without personalization","response":"Yes, the non-personalized card is free to use, allows fee-free transfers and payments, and is available immediately with no prior order required."},{"query":"Is Alfa-Bank\u2019s credit rating outlook stable?","response":"Yes, the outlook for Alfa-Bank\u2019s credit rating is Stable."},{"query":"What\u2019s the link between Alfa-Bank and NFEA?","response":"Alfa-Bank is part of the National Foreign Exchange Association (NFEA) as listed in their directory."},{"query":"can i prevent my data from being used for marketing?","response":"Yes, you have the right to request restriction of processing for promotional purposes."},{"query":"Advance payment percentage","response":"The advance payment can be as low as 0%."},{"query":"After full payment, when can I use the grace period again?","response":"The grace period becomes available again with your next qualifying transaction after repayment."},{"query":"Communication support outside basic access","response":"Alfa-Bank ensures comfortable communication procedures for clients, alongside assistance with Russian activity-related challenges and liquidity support."},{"query":"How to check if I have open loans via the app?","response":"In the app, tap your name \u2192 **Statements and references \u2192 On the presence or absence of loans**. You\u2019ll receive a certificate indicating active loans or confirming no loans."},{"query":"What is Alfa-Bank\u2019s main business?","response":"The retail business is a central area of Alfa-Bank\u2019s operations."},{"query":"How does Alfa-Bank\u2019s \u201cone entry point\u201d work?","response":"You select the asset, and Alfa-Bank handles the entire process, including coordination with all involved parties."},{"query":"Can I download the app first and later accept rules?","response":"No, accepting the Agreement is mandatory during registration to activate the app."},{"query":"Certificate in format pdf","response":"The required certificate is sent to your email in PDF format with a signature and blue stamp."},{"query":"Can I use the card for online payments?","response":"Yes, the free debit card allows you to make purchases, withdraw cash at ATMs, or transfer money via the mobile app."},{"query":"Can I prove your bank complies with Russian data laws?","response":"Our measures fully comply with Russian legislation, including threat assessments, certified tools, and evaluation of security protocols before deployment."},{"query":"Is the One-Time Password used only for transactions?","response":"Yes, the One-Time Password is specifically generated for transactions requiring additional verification in the Mobile Bank."},{"query":"Has Alfa-Bank received the Specific Licence from OFSI yet?","response":"As of now, Alfa-Bank has not yet received the Specific Licence from OFSI."},{"query":"If I repay through the app, when will the payment count?","response":"Payments made via the app will be processed by 11:00 PM Moscow time on the due date."},{"query":"Physical and digital card","response":"When ordering, you can choose to receive only a digital card or request a physical card as well. If you have an existing digital card and want a physical one, you must order a new card."},{"query":"What is the main goal of your fixed-income services?","response":"The main goal is to focus on Customer demands."},{"query":"How does a Bank Branch differ from a regular bank office?","response":"A Bank Branch is an additional location, such as a credit or cash office, specifically designated for providing services to individuals."},{"query":"do you handle sovereign bonds?","response":"Yes, we offer trading in sovereign bonds alongside corporate options in Russian and CIS markets."},{"query":"How long until cashback points show in app","response":"Bonus points appear in the mobile app 2 days after settlement\u2014visible once the clock icon next to the purchase disappears."},{"query":"What is the maximum free cash withdrawal amount per month?","response":"Alfa-Bank credit cardholders with the free cash withdrawal feature can withdraw up to \u20bd50,000 per month without commission."},{"query":"Debit card for salary","response":"Yes, your debit card can receive your salary directly as a payment method."},{"query":"How to speed up closing a credit agreement?","response":"Ensure no transactions occur on the card; otherwise, the agreement will remain open."},{"query":"What if my payment is urgent after cut-off time?","response":"For urgent payments after standard cut-off times, you can request extended hours processing by pre-arranging with the bank."},{"query":"new cash loan now?","response":"If your last cash loan has been issued, you can apply for a new one right away. There are no limits on how many times you can borrow."},{"query":"I blocked my card but found it again. Can I use it?","response":"Yes, you can unblock your card through the Alpha-Bank app or Alfa-Online and resume using it without needing a new card."},{"query":"how to check credit card service charge","response":"View the service fee for your credit card by accessing the mobile app or Alfa-Online: Credit card \u2192 Tariffs."},{"query":"Margin trading forex and stocks","response":"Margin trading supports forex, stocks, and other assets."},{"query":"where to do transfer in app","response":"You can transfer money from the app\u2019s main screen or via \"Payments \u2192 Transfer Method.\""},{"query":"Legal consequences late payment?","response":"Failing to make payments on time or failing to fulfill obligations properly could result in the bank taking legal action against you."},{"query":"application for accession not completed","response":"One of the necessary documents for investment structured products is the Application for Accession, which you must finalize."},{"query":"structured deposits vs classic","response":"Structured deposits offer a higher interest rate than classic deposits."},{"query":"Is the app available globally?","response":"Yes, our mobile app is available worldwide and recognized as the best in Russia and Central and Eastern Europe."},{"query":"I returned an item, why no cashback?","response":"If you returned the item or canceled the purchase, your cashback will not be issued."},{"query":"need energy product swaps","response":"Alfa-Bank supports energy derivatives for oil, oil products, and coal."},{"query":"Loan decision time","response":"Applications are reviewed within 1 business day (up to 5 business days in rare cases), and the decision is delivered via SMS."},{"query":"Is government ownership permitted in the company requesting the lease?","response":"Yes, government participation in the authorized share capital is allowed up to 49%."},{"query":"Commercial use allowed?","response":"No, the Mobile Bank service is strictly for non-commercial use by registered users who have accepted the Agreement."},{"query":"free sms alerts","response":"SMS alerts are free for Premium clients and the first payroll cardholder. Others pay 99 \u20bd\/month. Activate it via Alfa-Online or the app."},{"query":"Can I pay customs fees with a Bank Card?","response":"Yes, you can use Customs Cards to pay customs duties and charges."},{"query":"must i repay a personal loan immediately?","response":"You must repay the loan within the timeframes established by the loan agreement, including the principal amount and interest for the use of the loan."},{"query":"what is a one-time password in alfa-check light?","response":"A One-Time Password is included in the SMS and Push notifications from Alfa-Check Light to authorize transactions."},{"query":"No fee for Premium on SMS","response":"Yes, SMS alerts are free for Premium clients."},{"query":"Bond fx support forex","response":"Yes, we offer forex financing for initial bond placements."},{"query":"how to repay loan fast","response":"Use the mobile app by selecting **Your loan account \u2192 Repay early**: the bank will process the payment within the day."},{"query":"Quasi-cash transactions?","response":"Quasi-cash transactions include transfers to e-wallets, payment for traveler's checks, casino settlements, cryptocurrency purchases, lottery ticket purchases, transfers to bookmakers or traders, and other operations where you're essentially buying money. A commission may be charged for such operations."},{"query":"How many banks are in the partner bank list?","response":"There are seven partner banks: B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development."},{"query":"Margin trading for bonds?","response":"Margin trading is available for a wide range of underlying assets including bonds."},{"query":"Free card with same day delivery?","response":"Yes, non-personalized cards are free and can be delivered to your address the same day you request them."},{"query":"Minimum down payment for leasing equipment?","response":"The minimum advance payment is 15%."},{"query":"CNY SWIFT\/BIC code","response":"The SWIFT code for the CNY is BKCHRUMM."},{"query":"Can debit card receive government payouts?","response":"Yes, you can receive pensions, benefits, or government payouts directly onto your debit card."},{"query":"I have multiple cards\u2014how are withdrawal limits calculated?","response":"The cash withdrawal limit is shared across all your cards and accounts. It does not vary based on the number of cards or your tariff plan."},{"query":"i can\u2019t download app on huawei phone","response":"Huawei users can download the Alfa-Bank app via Huawei AppGallery, our website, or other listed official store partners. Follow the **Download anyway \u2192 Allow installation** prompts if warnings appear."},{"query":"Can non-Russian residents own part of the company applying for leasing?","response":"Yes, participation of non-residents of the Russian Federation and\/or government in the authorized share capital can be up to 49%."},{"query":"Documents for structured investment deposits","response":"You must submit the Agreement, Risk Declaration, and Application for Accession."},{"query":"Pay fines with a discount?","response":"You can pay traffic fines via the app and receive a 50% discount."},{"query":"How to get USD when traveling?","response":"You can withdraw the local currency from a third-party ATM abroad and then exchange it for USD at a currency exchange office."},{"query":"BYN swift code","response":"The SWIFT code for Belarussian Ruble (BYN) is ALFA BY 2X."},{"query":"Available structured finance options here?","response":"Alfa-Bank offers Hybrid Products in structured finance, which blend fixed income instruments with derivative strategies."},{"query":"what\u2019s the requirement for a cash loan with an alfa-bank salary card?","response":"Only a Russian passport is required for a cash loan if your salary is credited via Alfa-Bank."},{"query":"Can I get a bespoke structured finance solution?","response":"Yes, Alfa-Bank designs individual solutions after reviewing your specific financial context."},{"query":"My card certificate shows the wrong date","response":"Certificates are generated dynamically based on the requested period. Ensure you select the correct timeframe when creating the certificate via the mobile app or Alfa-Online."},{"query":"activate card app steps","response":"To activate your card via the app, go to All my products \u2192 Card account \u2192 Set a PIN code."},{"query":"Address of Alfa-Bank in Belarus","response":"The address for Alfa-Bank\u2019s correspondent branch in Belarus is Minsk 43-47, Surganova Street, 220013 Minsk, Belarus."},{"query":"Does closing the credit card instantly stop all charges?","response":"Yes, if done immediately, you won\u2019t be charged for services and the card will no longer be usable."},{"query":"where can i get the bank\u2019s mobile banking software?","response":"The Bank\u2019s mobile banking software is available for download via its official website at https:\/\/alfabank.ru."},{"query":"Hybrid products for investment?","response":"Alfa-Bank offers Hybrid Products that combine fixed income with derivative strategies for investment purposes across client scenarios."},{"query":"Is there a cost to close my debit card?","response":"No, closing your debit card is free of charge. If there was a service fee before closure, it will not be applied afterward."},{"query":"Can hedge funds use Alfa\u2019s Fixed Income?","response":"Yes, hedge funds are among the institutional clients served by Alfa Bank\u2019s Fixed Income Division for investment services on domestic and global markets."},{"query":"how do i add alfa-online to my home screen?","response":"Open Alfa-Online in Safari. Tap **Share** at the bottom of the screen. Select **Add to Home Screen**. Log in to Alfa-Online using your card number. Create a login and password. Tap **Save password** so you don\u2019t have to enter it every time."},{"query":"Is Alfa-Online available only via Safari?","response":"Alfa-Online works through any browser on your smartphone, but adding it to your home screen is recommended via Safari."},{"query":"Are there restrictions on when I can apply for early repayment?","response":"You cannot submit an early repayment application in the final month of the repayment schedule or on the payment due date."},{"query":"what\u2019s the cost for card reissuing?","response":"Reissuing costs 290 \u20bd but is free if you have the Premium tariff."},{"query":"What types of transactions does Alfa-Bank handle in structured finance?","response":"Alfa-Bank specializes in structured debt solutions, complex credit derivatives, and structured notes for both corporate and institutional clients."},{"query":"Equity trade timing","response":"Equity trades can only be executed during exchange hours, which are Monday-Friday from 10:00 to 18:00."},{"query":"Service fee after card closure","response":"Service fees are no longer charged after closing your credit card."},{"query":"Margin trading fx forex","response":"Margin trading allows forex trading through leveraged positions."},{"query":"what is the difference between a debit card and a credit card?","response":"A debit card holds only your own money and does not allow borrowing, while a credit card has a limit for borrowing money from the bank that you can repay later."},{"query":"What is receivables insurance under Alfa-Bank\u2019s factoring services?","response":"Receivables insurance is a financing tool included in Alfa-Bank\u2019s factoring services to protect against risks of debtor non-payment."},{"query":"Margin trading forex forex","response":"Margin trading includes forex and leveraged forex access."},{"query":"Debit vs credit explained","response":"A debit card uses your own funds, and you cannot spend more than what\u2019s available. A credit card lets you borrow up to a set limit (e.g., 100,000 rubles for an installment plan) and must be repaid afterward."},{"query":"Legal docs for debt servicing Loans","response":"Debt servicing for Loans is based on Russian Presidential decrees, Bank of Russia Board Decisions, and Bank of Russia clarifications."},{"query":"What is Alfa-Bank's postal address?","response":"Alfa-Bank's postal address is 27 Kalanchevskaya str., Moscow, Russia, 107078."},{"query":"Indexed deposit for pension fund","response":"Indexed deposits are suitable for pension funds looking to invest in stock, commodity, or currency markets with reduced risk."},{"query":"payment declined online even with valid expiry","response":"If an online payment fails despite your card being valid, use the old expiration date (the date before the 2028 extension) for the transaction."},{"query":"Can banks use Alfa\u2019s Fixed Income services?","response":"Yes, banks are among the institutional clients who can access investment services from Alfa\u2019s Fixed Income Division."},{"query":"Do you accept foreign banks for correspondent accounts?","response":"Yes, over 400 banks and non-banking credit institutions from abroad maintain correspondent accounts with Alfa-Bank."},{"query":"repo deals for cash borrowing","response":"REPO deals let clients borrow cash by leveraging securities, helping optimize cash-flow and portfolio returns."},{"query":"My purchase was 60,000 RUB with a Standard card. How are miles calculated?","response":"For purchases over 50,000 RUB with non-premium cards, no miles are credited beyond the first 50,000 RUB. In your case, miles will be calculated for 50,000 RUB."},{"query":"Payments to the Unified Treasury Account (\u0415\u041a\u0421)","response":"Payments to the Unified Treasury Account for state services do not earn cashback."},{"query":"Why choose factoring over loans?","response":"Factoring avoids adding debt to your balance sheet while providing liquidity through receivables, unlike traditional loans."},{"query":"Free credit card certificate","response":"Certificates for your credit card are available at no cost via the Alfa-Bank app or Alfa-Online."},{"query":"Can buyers use factoring as a funding option?","response":"Yes, if a buyer needs funding, factoring services can serve as an advantageous solution."},{"query":"Can I get EUR from overseas ATMs?","response":"No, you cannot withdraw euros directly from third-party ATMs abroad. You must first withdraw the local currency and exchange it for euros at a currency exchange office."},{"query":"Does the bank have a gym or relaxation areas?","response":"Yes, the office includes a gym and soft relaxation zones for employees."},{"query":"my card not working","response":"To reissue a card that\u2019s not working, use the Alfa-Bank app, Alfa-Online, or call +7 495 78-888-78 (Moscow\/MO) or 8 800 200-00-00 (regions)."},{"query":"What is the cost of reissuing a card?","response":"The cost is 290 \u20bd for reissuing a card; however, it is free if you have the Premium tariff."},{"query":"Where are the Bank\u2019s commission rates listed?","response":"The Bank\u2019s commission rates are listed in the Tariffs, which are published on the Bank\u2019s Website."},{"query":"can I use my phone to access alfa bank site","response":"Yes, you can use the Bank Website via Alfa-Bank's mobile software installed on your phone, which is part of the Bank\u2019s official website at https:\/\/alfabank.ru."},{"query":"scheduled regular payments","response":"Stand by orders allow you to schedule regular transactions for automatic processing."},{"query":"Need info on documents for foreign citizens at Alfa-Bank","response":"Alfa-Bank requires foreign citizens to present a list of documents when applying for banking services."},{"query":"What\u2019s the expert bond trading support?","response":"Our expertise and impartiality help deliver the best opportunities for clients based on their investment goals."},{"query":"Can LPN payments be made in a currency other than rubles?","response":"No, Alfa-Bank only makes LPN payments in Russian rubles for noteholders registered under the Russian clearing system."},{"query":"What if my needs are unique","response":"Alfa-Bank focuses on customer demands to address a range of needs in fixed income."},{"query":"my purchase was 60,000 rub with a standard card. how are miles calculated?","response":"For purchases over 50,000 RUB with non-premium cards, no miles are credited beyond the first 50,000 RUB. In your case, miles will be calculated for 50,000 RUB."},{"query":"If I take two cash loans in a month how does that affect my limit","response":"If you take out two cash loans in one month, the limit is increased only by the amount of the first loan."},{"query":"How are payments from individuals processed?","response":"Alfa-Bank handles outgoing RUB payments from individuals, corporate customers, and principal payments in line with Russian regulations and international practices."},{"query":"Margin trading forex forex","response":"Margin trading includes forex, allowing leveraged forex trading."},{"query":"debit vs credit explained","response":"A debit card uses your own funds, and you cannot spend more than what\u2019s available. A credit card lets you borrow up to a set limit (e.g., 100,000 rubles for an installment plan) and must be repaid afterward."},{"query":"Close credit card process","response":"Send a request through the app Chat or call the Call Center to close your credit card. The process is instant."},{"query":"margin trading forex forex","response":"Margin trading includes forex and leveraged forex positions."},{"query":"how to receive pension via a debit card?","response":"Alfa-Bank allows you to receive your pension by linking it to your debit card, as the card is designated for receiving such funds."},{"query":"Mir Pay abroad locations","response":"Mir Pay works internationally in Armenia, Kyrgyzstan, and Kazakhstan at banks that already accept physical Mir cards."},{"query":"what is a qualifying transaction?","response":"A qualifying transaction is the purchase or repayment action that triggers the start of the grace period from its transaction date."},{"query":"can we use atm for p2p payments","response":"Yes, P2P and P2B payments can be made via cash-in ATMs."},{"query":"Leasing in USD or EUR?","response":"Leasing is available only in Russian rubles (RUR)."},{"query":"do premium clients pay for card tariffs?","response":"Premium clients are exempt from card tariff fees if their activity qualifies. Otherwise, the monthly fee is 2990 \u20bd. Consult your manager for specifics."},{"query":"Grace period starts when?","response":"The grace period begins on the date of the qualifying transaction."},{"query":"Will Alfa-Bank\u2019s rating downgrade?","response":"The outlook for Alfa-Bank\u2019s credit rating is Stable, so no downgrade is expected."},{"query":"can i access financing for initial bond placements?","response":"Yes, we offer financing for clients participating in initial bond placements."},{"query":"Alfa-Bank employee support programs","response":"Alfa-Bank supports its employees by creating a healthy corporate environment and integrating employee well-being into its sustainability strategy."},{"query":"No fee for family card","response":"The Debit Alfa-Card is free to issue and maintain, with no fees for families."},{"query":"when do i need to use a one-time password?","response":"You need to use it when making a transaction through the Mobile Bank that requires additional security verification."},{"query":"how to set up bank office on-site","response":"The Bank Office at Your Premises service sets up a cash desk directly at your company location for efficient cash handling."},{"query":"What types of bonds does the bank handle?","response":"We have experience in trading investment-grade bonds, high-yield bonds, and distressed securities, catering to clients\u2019 investment goals."},{"query":"iPhone users can use Mir card for phone payments?","response":"Currently, it isn\u2019t possible to use Alfa-Bank cards for phone payments on Apple smartphones. We\u2019re working on a solution, but for now, Android devices support Mir Pay and Samsung Pay."},{"query":"Monthly limit for SBP commission","response":"There is no monthly limit the commission remains 0 RUB even for large volumes."},{"query":"Who manages personal data processing in the bank?","response":"Personal and confidential data processing is organized by the individuals designated as responsible for monitoring compliance with the privacy policy."},{"query":"Can you confirm the SWIFT code for CNY?","response":"Yes, the SWIFT code for Chinese Yuan (CNY) transactions is BKCHRUMM."},{"query":"How to get certified translation passport","response":"You can obtain a certified Russian translation of your passport from a notary or authorized translation agency."},{"query":"available assets for structured deposits","response":"You can select currency, commodity (e.g., gold, oil), index, or stock as the underlying asset for your structured deposit."},{"query":"My card is not used anymore. How do I close it?","response":"To close your unused card, reach out to the Call Center or submit a request via the app Chat. The closure process is immediate."},{"query":"Alfa-Bank research sources","response":"Research utilizes direct access to senior management, government officials, and independent experts for market insights."},{"query":"where to find debit card statement","response":"Go to \"Card account \u2192 Certificates and statements\" in the mobile app or Alfa-Online to generate a statement."},{"query":"what documentation is needed for payment schedule planning?","response":"You\u2019ll need to specify whether payments are annuity, differentiated, seasonal, or include a grace period."},{"query":"Will I receive a confirmation after repaying my loan in full?","response":"Yes, once the loan is fully repaid, you\u2019ll receive an SMS notification that the loan agreement has been closed automatically."},{"query":"payment system?","response":"Alfa-Bank offers cards for Mir, Mastercard, and Visa. To see which are available to you, use the mobile app, Alfa-Online, or our website."},{"query":"Why is the Electronic Log important?","response":"The Electronic Log serves as evidence in resolving disputes, including legal disputes, ensuring a documented trace of actions and checks in bank systems."},{"query":"what if i pay my loan after the due date?","response":"You\u2019ll be charged 0.1% per day on the unpaid portion of the loan."},{"query":"do you support forex financing?","response":"Yes, financing is available in major global currencies."},{"query":"can i split a bill with colleagues in a coffee shop using the app?","response":"Yes, you can split the bill by sending a link to your friends or colleagues in the app to evenly distribute payments."},{"query":"bond fx placements finance","response":"Yes, we finance initial bond placements in major currencies."},{"query":"Did Alfa-Bank request licenses from any authorities?","response":"Yes, Alfa-Bank applied to OFSI and OFAC for licenses to process payments under Loans and LPNs."},{"query":"is there a cost for getting a debit card certificate?","response":"No, there is no fee for generating or receiving a certificate via the mobile app or Alfa-Online."},{"query":"Credit derivatives for portfolio management?","response":"Credit derivatives are among the tools we offer for structured finance and portfolio strategies."},{"query":"what regions does alfa-bank\u2019s equities franchise focus on?","response":"Alfa-Bank\u2019s equities services prioritize the Russian market, with exclusive coverage for investors interested in Russia and the CIS region."},{"query":"outperformance certificate risks","response":"The Outperformance certificate carries a risk of capital loss, as it is described as a structured bond with capital at risk."},{"query":"Does Alfa-Bank support factoring services?","response":"Yes, Alfa-Bank is affiliated with the Association of Factoring Companies."},{"query":"Is Alfa Private suitable for managing investments?","response":"Yes, Alfa Private supports private capital management and offers services to address both simple and complex investment needs."},{"query":"how do businesses use alfa-mobile?","response":"Businesses should use dedicated corporate banking tools. Mobile Bank is restricted to non-commercial users."},{"query":"What is Alfa-Bank\u2019s legal entity name?","response":"The legal entity name is JOINT-STOCK COMPANY \"ALFA-BANK\"."},{"query":"recycled plastic used","response":"Alfa-Bank uses remelted plastic cards and plant materials to produce eco-friendly merch."},{"query":"Automated budget control?","response":"The Budget Performance Control System automatically monitors budget performance and outgoing payments to ensure financial discipline."},{"query":"Margin trading available?","response":"Yes, margin trading is offered for a wide range of underlying assets."},{"query":"do stateless residents need additional documents?","response":"No, the sole requirement is a valid residence permit in the Russian Federation."},{"query":"How can I know if my needs are considered in fixed-income services?","response":"We focus on Customer demands."},{"query":"How to block a stolen card","response":"If your card is lost, you can block it yourself in the app or Alfa-Online."},{"query":"Insurance companies and Alfa-Bank structured notes","response":"Alfa-Bank introduced structured derivative notes tailored for insurance companies under its internal repackaging program."},{"query":"Why is my small business not charged for registration?","response":"Small businesses receive no commission for registration and maintenance when using Alfa-Bank\u2019s services."},{"query":"Risk declaration for investment structured products","response":"The Risk Declaration is required alongside the Agreement and Application for Accession."},{"query":"Alfa-Bank uses Russian depositories for LPN?","response":"Yes, Alfa-Bank uses Russian depositories to handle LPN payments for noteholders registered in the Russian clearing system."},{"query":"Does Alfa-Check Light include additional features?","response":"The service also enables operations as specified in the agreement, alongside transaction alerts and One-Time Passwords."},{"query":"What is the cost","response":"There is no fee for obtaining credit card certificates or statements."},{"query":"Are there any fees for the non-personalized card?","response":"No, there are no fees\u2014it\u2019s free to use, with the same benefits as a regular Alfa debit card."},{"query":"How does the \"Kind Subscription\" help children?","response":"For every payment made, 1 RUB is donated to support children in need through the \"Kind Subscription\" initiative."},{"query":"Can I fix the deposit currency early?","response":"Yes, the early fixation of the deposit currency is defined."},{"query":"How long does it take for my account to close?","response":"The account will be fully closed within 45 days."},{"query":"How to open an equity account?","response":"You can open a brokerage account through the Alfa-Bank app under 'Investments', via Alfa-Online under 'Trade', or in person at a branch."},{"query":"difference between electronic and book payment cutoffs","response":"Electronic payments cut off at 5pm Moscow time; book transfers cut off at 6pm on weekends\/holidays."},{"query":"Who governs the \"NEXT\" card rules?","response":"The Card Issuance Agreement, concluded between the User and the Bank, governs the \"NEXT\" card's issuance and servicing."},{"query":"Does Alfa-Bank share my info with others?","response":"No, confidential data about your accounts, deposits, and operations is not disclosed to third parties unless permitted by law."},{"query":"Credit card cert blue stamp","response":"All certificates for your credit card are sent in PDF format with a digital signature and blue stamp after being requested through the app or online banking."},{"query":"Is the Electronic Log legally valid in court?","response":"Yes, the Electronic Log is stored by Alfa-Bank and can be used as evidence in the resolution of disputes, including in court."},{"query":"Is there a cap on cash loans?","response":"No, there is no cap; you can apply for loans without any numerical restrictions."},{"query":"deposit sum requirement","response":"The deposit requires a minimum of 10 million RUB or 1 million CNY."},{"query":"Is agent factoring an option for multi-currency financing?","response":"Yes, agent factoring in Alfa-Bank\u2019s offering serves as an alternative to revolving credit financing in different currencies."},{"query":"We need help with company acquisition","response":"Alfa-Bank offers advisory services on corporate acquisitions to guide you through the process."},{"query":"cny payment setup","response":"To set up CNY payments, use BANK OF CHINA (RUSSIA) at Pr-t Mira 72, Moscow (SWIFT: BKCHRUMM, Account: 30109156600000000069)."},{"query":"Registration process requires patronymic?","response":"Yes, you must include your patronymic along with your last name, first name, Phone Number, and date of birth to register."},{"query":"Transfer on New Year\u2019s Eve at 6:30pm","response":"Transfers made after 6pm Moscow time on holidays will be processed on the next business day."},{"query":"Need credit presence","response":"You can request a certificate of credit presence or absence through the mobile app or Alfa-Online."},{"query":"Merchant returned funds, when will the limit update?","response":"The Remaining Limit increases automatically in Russian rubles upon the Merchant returning funds."},{"query":"Alfa-Bank membership list needed","response":"Alfa-Bank cooperates with organizations such as the Association of Banks of Russia, Russian Trading System (RTS), St Petersburg Settlement and Depository Center (OJSC), Moscow International Currency Association (MICA\/MMVA), National Foreign Exchange Association (NFEA), The National Depository Center (RTS), Visa International Service Association, MasterCard Europe Service Association, SWIFT, American Chamber of Commerce, The International Capital Market Association (OJSC), Association of Factoring Companies, BAFT \u2014 IFSA, Russian Union of Travel Industry, Association of Corporate Lawyers, Fintech Association, Moscow Banking Union, and the Council of representatives of Plenipotentiary Banks under Mayor of Moscow."},{"query":"can i open a foreign currency account with alfa-bank?","response":"Yes, you can open accounts in RUB and other currencies."},{"query":"why is my cashback rounded down? example","response":"When calculating cashback, we round the purchase amount down to the nearest hundred. For instance, if you paid 2,340 rubles, the cashback will be calculated on 2,300 rubles."},{"query":"Can I repay the loan early if I earn more than 90% from operating income?","response":"No, early repayment is not allowed if income from the property (net) exceeds 90%."},{"query":"Does Alfa Bank serve institutional clients for fixed income?","response":"Yes, Alfa\u2019s Fixed Income Division serves institutional clients including banks, corporates, asset management companies, hedge funds, and insurance companies."},{"query":"What operations are available in the Alfa-Bank mobile app?","response":"The app allows you to remotely perform operations as agreed under your contract with the bank via electronic communication tools."},{"query":"Is certificate of registration mandatory","response":"Certificate of registration with the tax authority is not mandatory, but it is required if it is currently available."},{"query":"What\u2019s the cost of SBP transfers?","response":"SBP transfers are free, with a 0 \u20bd commission for all amounts."},{"query":"can i have multiple cash loan increases in one month","response":"No, if you take two cash loans in a month, the limit is increased only by the amount of the first loan."},{"query":"underlying assets for bonds","response":"The underlying assets for bonds include Russian stocks (equities, baskets, indexes) and CNY\/RUR currencies."},{"query":"Is risk declaration optional","response":"No, the Risk Declaration is mandatory for investment structured products."},{"query":"Margin trading for stocks only","response":"Margin trading is available for a wide range of assets beyond stocks, including forex and commodities."},{"query":"Required paperwork for investment products","response":"The required paperwork includes an Agreement, Risk Declaration, and Application for Accession."},{"query":"Do I need my date of birth?","response":"Yes, your date of birth is required during Mobile Bank registration."},{"query":"Payment date after rescheduling","response":"After changing the date, check the app for the new payment schedule and updated monthly payment amount."},{"query":"How is my data protected during sharing","response":"Third parties handling your personal data are contractually obligated to follow legal data processing, confidentiality, and security rules, ensuring compliance with all applicable principles."},{"query":"what happens after i repay my loan early?","response":"The bank will debit the money within the day and close the loan. You\u2019ll receive an SMS confirming the closure automatically, and no further action is required."},{"query":"What is the minimum investment amount for investment structured products?","response":"The minimum investment required is from 10 million RUB or from 1 million CNY."},{"query":"Can't withdraw USD from foreign ATMs","response":"You cannot withdraw US dollars directly from third-party ATMs abroad, but you can withdraw the local currency and exchange it at a currency exchange office."},{"query":"Can I get tailored hedging for non-ferrous metals?","response":"Yes, Alfa-Bank offers commodity solutions covering non-ferrous metals, including custom-tailored agreements."},{"query":"SBP definition","response":"SBP stands for Fast Payment System which enables instant phone number-based transfers."},{"query":"Delivery address for card wrong","response":"Correct the delivery address in the app, Alfa-Online, or by calling +7 495 788 88 78 (Moscow) or 8 800 200 00 00 (other regions)."},{"query":"What\u2019s excluded from data processing?","response":"We do not collect or process data on racial origin, political views, religious beliefs, or sexual life."},{"query":"how does alfa-bank ensure ethical practices in its operations?","response":"We have a Code of Ethics that defines the core values and principles employees follow in their work."},{"query":"What is the purpose of personal data destruction?","response":"Destruction ensures the content of personal data cannot be restored in the system and eliminates the physical media storing it."},{"query":"changed payment date not showing","response":"After confirming the change, open the app and check the updated payment schedule section. It should display the new due date and possibly a revised monthly amount."},{"query":"Can I deposit money into debit card at ATM?","response":"Yes, you can top up your debit card at an ATM."},{"query":"My data was hacked. Will you fix it?","response":"We detect cyberattacks, prevent further unauthorized access, and take steps to eliminate the consequences of incidents that affect personal data systems."},{"query":"repo to increase portfolio performance","response":"Using REPO deals helps clients increase portfolio performance by borrowing or lending securities\/cash to optimize cash-flow."},{"query":"Margin trading fx and bonds","response":"Margin trading includes forex and can be applied to bonds."},{"query":"Why does Alfa-Online ask for my card number first?","response":"To log in to Alfa-Online, start by entering your card number. After that, you\u2019ll create a login and password to access your account."},{"query":"How to add icon for Alfa-Online?","response":"Open Alfa-Online in Safari, tap Share, choose \u201cAdd to Home Screen,\u201d log in with your card number, create a username and password, and tap \u201cSave Password\u201d to keep it stored."},{"query":"Weighted Average Orders at Moex Fixing","response":"Alfa-Bank supports Weighted Average Orders executed at Moex Fixing at 12:30, Central Bank official rates, or Moex intraday trade rates."},{"query":"Cash loan app apply","response":"Alfa Bank clients can apply for a cash loan in the mobile app at **All my products \u2192 New account or product \u2192 Take out a loan**."},{"query":"leasing in usd or eur?","response":"Leasing is available only in Russian rubles (RUR)."},{"query":"Credit card borrowing limit?","response":"A credit card comes with a borrowing limit set by the bank, which you can use if you run out of funds and repay it later."},{"query":"competitive rates for repo financing","response":"Alfa Bank offers financing for REPO deals at competitive interest rates to institutional and private investors."},{"query":"use card token for payments","response":"Yes, you can perform an Expense Operation using the Card Token."},{"query":"How to order a card if I already have an account?","response":"If you have an existing Alfa-Bank account, you can order a card through the mobile app by going to \"All My Products \u2192 New Account or Product.\""},{"query":"Can homeowners\u2019 association be a TSP merchant?","response":"No, homeowners\u2019 associations are excluded from being listed as Merchant (TSP) per the definition."},{"query":"litigation check","response":"The application is rejected if there are any ongoing litigations at the time of application."},{"query":"Can I get credit derivatives for my supply chain risks?","response":"Yes, credit derivatives are available to mitigate supply chain credit risks, allowing businesses to protect against counterparty defaults."},{"query":"when is my cashback credited?","response":"Cashback for regular purchases is credited on the 10th of the following month\u2014for example, September purchases will be credited on October 10."},{"query":"When is the quasi-cash fee waived?","response":"The fee is waived for purchases under 500 \u20bd, transactions at Stoloto or exchange brokers, and if you\u2019re using eligible service packages like Maximum Ultra or Premium."},{"query":"What cards are available for corporate expenses","response":"International Corporate Business Cards are designed specifically for managing corporate expenses."},{"query":"services not allowed to be paid via mobile banking?","response":"Services, goods, or works listed by the Russian Government (for which a payment agent is not permitted to accept payments from individuals) are excluded from transactions in the app."},{"query":"what happens if i don\u2019t pay overdraft till day end","response":"Unpaid balances will be converted into an overnight loan at a benchmark-based rate."},{"query":"can you list the legal and financial institutions alfa-bank collaborates with?","response":"Alfa-Bank collaborates with organizations such as the Association of Corporate Lawyers, the Association of Banks of Russia, and the St Petersburg Settlement and Depository Center, among others."},{"query":"How does Russian legislation govern my debt for Loans?","response":"Russian legislation regulates your debt servicing through Executive Orders of the President, Bank of Russia decisions, and Bank of Russia\u2019s official interpretations."},{"query":"what are the cut-off times for sending payments","response":"Outgoing electronic payments must be submitted by 5pm Moscow time."},{"query":"What laws govern refunds and limit increases?","response":"Refund Operations and corresponding limit increases are governed by Russian legislation and agreements between you and the Merchant."},{"query":"Overdraft facility costs?","response":"The overdraft is granted as a loan with an overnight rate based on the benchmark rate for any remaining overdraft after the business day ends."},{"query":"My merchant says MIR not accepted","response":"If a merchant doesn\u2019t accept MIR, try using MasterCard or Visa, which are internationally recognized."},{"query":"equity finance solutions","response":"Alfa-Bank offers equity finance solutions as part of its equity-related services."},{"query":"where is alfa-bank headquartered?","response":"Alfa-Bank is headquartered at 27 Kalanchyovskaya Street, Moscow."},{"query":"Can I use a VPN for partner deals?","response":"It\u2019s recommended to disable your VPN, as it may block some offers from working properly."},{"query":"Can I earn more with indexed deposits compared to regular savings?","response":"Yes, indexed deposits offer higher interest income potential than classic deposits if there\u2019s an expected change in the underlying asset."},{"query":"I represent a financial institution. Are your products available to us?","response":"Yes, financial institutions are eligible to work with our investment structured products."},{"query":"how long does an overdraft fee take to apply?","response":"The overdraft fee is charged 30 days after the debt appears in your account."},{"query":"I\u2019m in Dushanbe need cash","response":"In Dushanbe, Tajikistan, you can withdraw cash at banks in the Express Pay payment system."},{"query":"structured deposits corporate clients","response":"Structured deposits are part of Alfa Bank\u2019s innovative hybrid products, specifically targeted to corporate clients."},{"query":"Research reports for IPO marketing?","response":"We create research reports and pre-marketing materials to support investor communication during IPO\/SPO."},{"query":"Activation not working","response":"To activate your debit card, access \"All my products\" \u2192 \"Card account\" \u2192 \"Set PIN code\" in the Alfa-Bank app or Alfa-Online."},{"query":"Debt on account before closing","response":"If there\u2019s a debt, it must be repaid before the account is closed."},{"query":"How does the bank help the community?","response":"According to our strategy, we help society by adhering to effective ESG management principles, which involve direct efforts to support and benefit the community."},{"query":"I can\u2019t find my free cash withdrawal limit. Where do I look?","response":"Check the Credit card \u2192 Tariffs section in the Alfa-Bank mobile app or Alfa-Online to see if your card includes the free cash withdrawal feature."},{"query":"My privacy is important can you confirm safeguards","response":"Yes, when sharing your data, third parties must comply with legal principles for data processing, confidentiality, and security, as required by contract."},{"query":"what if i lose my 2-ndfl certificate?","response":"For loans over 300,000 \u20bd without an Alfa-Bank salary card, you can substitute the 2-NDFL certificate with a certificate in the bank's format."},{"query":"What causes the repayment sum to be more than the cash loan?","response":"Interest is calculated on the entire loan amount from the moment it is issued. If repaid early, the repayment includes the interest that has already accumulated."},{"query":"Can I activate my card without visiting a bank?","response":"Yes, you can activate it using the mobile app or Alfa-Online via All my products \u2192 Card account \u2192 Set a PIN code."},{"query":"do quasi-cash transactions have fees?","response":"Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers."},{"query":"bond fx placements support","response":"We finance clients during initial bond placements in global currencies."},{"query":"How does the additional interest rate work?","response":"The additional interest rate depends on the performance of the underlying asset you select, such as a currency, commodity, index, or stock."},{"query":"Where to find Alfa-Bank ESG policies?","response":"You can read Alfa-Bank\u2019s ESG policies in our official social and ESG reports."},{"query":"Residence permit for stateless persons accepted?","response":"Yes, a residence permit serves as an accepted identity document for stateless persons."},{"query":"why did alfa-bank apply to ofsi and ofac?","response":"Alfa-Bank applied to OFSI and OFAC for licenses that would allow processing payments under the Loans and LPNs."},{"query":"liquidity support solutions from Alfa-Bank?","response":"Alfa-Bank offers a set of liquidity support solutions for customers."},{"query":"apply for cash loan again right away?","response":"Yes, there\u2019s no waiting period. You can submit a new cash loan application as soon as the current one is issued."},{"query":"Is 2-NDFL always mandatory?","response":"No, for loans up to 300,000 \u20bd without an Alfa-Bank salary card, only a Russian passport is required. For larger loans, the 2-NDFL certificate (or its equivalent) is mandatory."},{"query":"Mir Pay abroad supported countries","response":"Mir Pay works in Armenia, Kyrgyzstan, and Kazakhstan at banks that accept the plastic Mir card."},{"query":"I found an ATM labeled Ural Bank\u2014will it charge me?","response":"No, there are no fees if you use ATMs at the Russian Agricultural Bank, Ural Bank for Reconstruction and Development, or any other partner bank listed with Alfa-Bank."},{"query":"advisory for m&a process","response":"Alfa-Bank offers advisory services to assist with the M&A process, including strategic planning and execution."},{"query":"How do I activate my Alfa-Bank card through the app?","response":"You can activate your card in the mobile app by navigating to All my products \u2192 Card account \u2192 Set a PIN code."},{"query":"Are there options to customize payment schedules for leasing?","response":"Yes, Alfa-Bank offers flexible payment schedules tailored to your business requirements."},{"query":"alfa-bank esg policies","response":"Alfa-Bank\u2019s approach to sustainable development and ESG initiatives is described in our ESG policies and reports, which address environmental, social, and managerial issues."},{"query":"Are employee family members\u2019 data also collected?","response":"Yes, the bank processes personal data of close relatives or family members of employees."},{"query":"Internet not working on app","response":"Ensure your device has internet connectivity. The internet is a requirement for the app to function."},{"query":"Are there secured cash loan options?","response":"No, a cash loan is always unsecured."},{"query":"Free app warning during install","response":"If you encounter a warning about an untrusted source, the app is safe. Tap **Download anyway \u2192 Allow installation** to confirm and complete the process."},{"query":"Fast account opening","response":"You can open an account with a small set of documents needed."},{"query":"What\u2019s the purpose of the One-Time Password according to Alfa-Bank?","response":"It ensures secure verification for specific transactions within the Mobile Bank application."},{"query":"what types of leasing products does alfa-bank offer for corporate clients?","response":"Alfa-Bank offers leasing for vehicles, real estate, leaseback, and refinancing of existing leasing portfolios for large and medium corporate clients."},{"query":"Send 150k via FPS cost","response":"Transferring 150,000 \u20bd via FPS would cost 0.5% (750 \u20bd), as it exceeds the 100,000 \u20bd\/month free limit."},{"query":"is there a fee for getting a new card?","response":"Yes, the cost is 290 \u20bd. However, reissuing is free if you have the Premium tariff."},{"query":"Discount on equity trades","response":"Qualified investors receive a 50% discount on the standard fee of 0.03% per transaction, with a minimum of 50 RUB."},{"query":"can i get a loan without 2-ndfl if my salary isn\u2019t in alfa-bank?","response":"Yes, but only if the loan is up to 300,000 \u20bd. For loans over 300,000 \u20bd, you must submit a 2-NDFL certificate or bank-formatted certificate."},{"query":"Which payment systems do you issue debit cards from?","response":"We issue Mir cards. You can check which one is available to you in the mobile app, Alfa-Online, or on the website."},{"query":"How do you ensure physical data security?","response":"We track all physical media containing personal data and apply technical measures to protect them during processing."},{"query":"How to assess my ability to repay a loan","response":"Weigh the pros and cons of the loan, and objectively evaluate your capacity to repay it on time."},{"query":"Need help with Russian activity issues","response":"Alfa-Bank offers full assistance with any issues associated with your activities in Russia, in addition to basic access."},{"query":"What is available","response":"You can obtain a certificate of available balance, credit presence, account statement, or credit statement."},{"query":"Application approval time","response":"Application approval is completed within 4 days."},{"query":"What is Alfa Bond Issuance plc\u2019s role in the LPNs?","response":"Alfa Bond Issuance plc is responsible for issuing the Loan Participation Notes, but the programme has limited recourse to them."},{"query":"Need to verify my card for a third party","response":"Request a certificate via the mobile app (Card account \u2192 Certificates and statements)\u2014it includes a signature and blue seal for verification."},{"query":"can foreign citizens open an account without providing documents?","response":"No, foreign citizens are required to present a list of documents when applying for banking services."},{"query":"Grace period available?","response":"Yes, ECA-covered financing includes a grace period."},{"query":"payment date after rescheduling","response":"After changing the date, check the app for the new payment schedule and updated monthly payment amount."},{"query":"Maximum Ultra Free client","response":"As a Maximum Ultra Free package holder, you\u2019re exempt from quasi-cash commission fees."},{"query":"Retail sector in Alfa-Bank strategy","response":"The retail business plays a vital role in Alfa-Bank\u2019s operational focus."},{"query":"why must lpn payments go through russian depositories?","response":"To comply with Russian legislation, Alfa-Bank routes LPN payments through Russian depositories for noteholders whose rights are tracked in the Russian clearing system."},{"query":"cashback missing because cart had old items","response":"If items were already in your cart before clicking Go to shopping, clear the cart and add items again after clicking the partner offer to qualify for cashback."},{"query":"stop transferring my data to other countries","response":"You can request to stop transferring your personal data, which you had previously allowed."},{"query":"Insurance for card theft","response":"Card Protection covers theft and unauthorized cash withdrawals after ATM use or loss. Pricing varies based on coverage\u2014see the Showcase in the app."},{"query":"What foreign currencies can be traded","response":"Alfa-Bank offers derivatives in CNY\/RUB, CIS Currencies, USD\/RUB, EUR\/RUB, EUR\/USD, and all major currencies."},{"query":"What happened to Alfa-Bank\u2019s credit standing?","response":"On September 23, 2024, ACRA reaffirmed Alfa-Bank\u2019s rating at AA+(RU) and revised the outlook to Positive, showing confidence in its stability."},{"query":"Install on Xiaomi device","response":"Xiaomi users can download the app from the Xiaomi Market or other official stores like Galaxy Store, GetApps, etc."},{"query":"What payments might I have to make besides the loan and interest?","response":"Additional payments may include fees for reviewing loan documents, account maintenance, transferring funds, insurance, collateral agreements, or third-party services."},{"query":"Are there any first-in-Russia financial programs led by Alfa-Bank?","response":"Yes, Alfa-Bank launched the first Diversified Payments Rights securitisation program in Russia."},{"query":"Contact number Alfa-Bank Russia","response":"The contact number for Alfa-Bank in Russia is +7 (495) 620-91-91."},{"query":"Margin trading forex forex","response":"Margin trading allows forex trading with leveraged positions."},{"query":"Will Alfa-Bank meet its debt obligations?","response":"Alfa-Bank, as a responsible borrower, is committed to fulfilling its payment obligations when it becomes technically and legally possible."},{"query":"How long does it take to receive the certificate?","response":"The certificate in PDF format with a signature and blue stamp is sent to your email immediately after you request it via the mobile app or Alfa-Online."},{"query":"When does the grace period start?","response":"The grace period starts from the date of the qualifying transaction."},{"query":"what\u2019s the main purpose of structured bonds?","response":"The main purposes are increasing investment returns in a convenient format, earning from market movements, and diversifying portfolios."},{"query":"How to lock credit card quickly?","response":"Within the app, tap \"All my products\" \u2192 \"Card\" \u2192 \"Freeze card\" to lock it immediately."},{"query":"How can you help with IPO preparation?","response":"We assist clients with the offering preparation process, including advising on capital structure, corporate governance, equity positioning, and business valuation for the transaction."},{"query":"Alfa Fixed Income services","response":"Alfa Bank\u2019s Fixed Income Division offers investment services on domestic and global markets for institutional clients like banks, corporates, asset management companies, hedge funds, insurance companies, and private investors."},{"query":"Why no cashback on returned purchases?","response":"Purchases that were later returned do not earn cashback."},{"query":"what\u2019s the minimum sum for equipment import financing?","response":"The minimum sum for ECA-covered financing of equipment imports is $1,000,000."},{"query":"How leasing works for equipment?","response":"Choose the leased asset (e.g., vehicle or equipment), and Alfa-Bank handles the deal with all parties under the \u201cone entry point\u201d principle."},{"query":"i need a balance certificate","response":"You can get a certificate of available balance in the mobile app or Alfa-Online."},{"query":"Need e-docs for factoring","response":"Electronic documents and e-signatures are required to access the online factoring service."},{"query":"Margin trading available for forex?","response":"Margin trading is available for a wide range of underlying assets, including forex."},{"query":"Is overdraft charged immediately?","response":"No, the overdraft fee is applied 30 days after the debt is created."},{"query":"Payments in EUR same day?","response":"Yes, EUR payments are executed same-day value."},{"query":"Apply for cash loan again right away?","response":"Yes, there\u2019s no waiting period. You can submit a new cash loan application as soon as the current one is issued."},{"query":"How to choose underlying asset for investment","response":"You can choose the underlying asset from the options of currency, commodity, index, or stock."},{"query":"Does the online statement require physical submission?","response":"No, the PDF certificate from the app or online banking has full legal validity and doesn\u2019t require a printed version."},{"query":"no free withdrawal feature on my card","response":"If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission as specified in your tariff."},{"query":"Margin trading forex and stocks","response":"Margin trading includes forex, stocks, and other underlying assets."},{"query":"where is the cny correspondent bank located?","response":"The correspondent bank for Chinese Yuan (CNY) is BANK OF CHINA (RUSSIA), located at Pr-t Mira 72, Moscow, 129110."},{"query":"equity trading fees for qualified clients?","response":"Qualified investors get a 50% discount on the standard 0.03% fee per transaction, with a minimum of 50 RUB."},{"query":"why is my total repayment amount higher than the original cash loan?","response":"Interest is charged on the full loan amount immediately after it is issued. When repaying early, the repayment amount includes the interest that has already been accrued up to that moment."},{"query":"is the privacy policy aligned with the bank\u2019s governance rules?","response":"Yes, the policy is approved under the authority specified in the bank\u2019s charter."},{"query":"I want to send money using my credit card","response":"Use the mobile app or Alfa-Online, select \u201cPayments,\u201d and enter the recipient\u2019s phone number or card number to initiate the transfer."},{"query":"How does Alfa-Bank help with investment decisions?","response":"Alfa-Bank offers independent research with strong regional and industry expertise to assist institutional managers in their decision-making."},{"query":"where do i set my card pin?","response":"To set your PIN code, open the Alfa-Bank app or Alfa-Online, go to \"All my products \u2192 Card account,\" and follow the instructions to set your PIN."},{"query":"International trade financing options","response":"Alfa-Bank offers trade finance credit lines, FOREIGN exchange (FOREX) transactions, and forward\/cash deals to support corporate international trade activities."},{"query":"Is the National Foreign Exchange Association listed among Alfa-Bank\u2019s memberships?","response":"Yes, Alfa-Bank is affiliated with the National Foreign Exchange Association."},{"query":"data security compliance with law?","response":"Our security measures strictly comply with Russian legislation regarding personal data protection, including organizational and technical safeguards."},{"query":"Found my card after blocking","response":"Unblock your card via the app or Alfa-Online to reuse it."},{"query":"No citizenship but living in Russia","response":"You can legally reside permanently in Russia by obtaining a residence permit."},{"query":"Structured finance for private investors","response":"Alfa-Bank creates structured investment products specifically for private investors through its dedicated structured finance factory."},{"query":"Structured products use equity baskets?","response":"Yes, baskets of equities are part of the underlying assets for structured products."},{"query":"What legal basis do you have for processing my data?","response":"We process your data only with your consent unless otherwise required by law. We adhere to confidentiality and legal obligations in handling your data."},{"query":"Access business banking online","response":"Use Alfa Business Online to access your account remotely via any PC."},{"query":"Fee for overdraft?","response":"The overdraft fee is 20% of the overdraft amount, charged 30 days after it occurs."},{"query":"Is overdraft interest higher than standard loans?","response":"Interest rates for overnight conversions are based on the benchmark rate, which may vary."},{"query":"Russian clearing system for LPN payments","response":"Alfa-Bank requires LPN noteholders to have their rights registered in the Russian clearing system for payments in rubles through Russian depositories, per legislation."},{"query":"Need help with EUR payment today","response":"EUR payments executed same-day value."},{"query":"can i get returns from different market trends?","response":"Yes, a structured bond enables you to receive income from various market movements."},{"query":"credit card order via app not working","response":"Ensure you have an existing Alfa-Bank account. If logged in, navigate to \"All my products \u2192 New account or product\" in the app or Alfa-Online to proceed. If issues persist, apply directly on the website."},{"query":"Can I open a foreign currency account with Alfa-Bank?","response":"Yes, you can open accounts in RUB and other currencies."},{"query":"Bond fx support options","response":"Initial bond placements can be financed in major currencies."},{"query":"Alfa-Bank part of RTS","response":"Alfa-Bank is associated with the Russian Trading System (RTS) as a non-profit partnership member."},{"query":"I use Maximum Ultra. Will I have fees for quasi-cash?","response":"No, the Maximum Ultra package excludes you from quasi-cash fees under the listed conditions."},{"query":"Can I get expert opinions on foreign exchange?","response":"Yes, Alfa-Bank delivers expert opinions on foreign exchange, commodities, credit, and interest rates."},{"query":"help with m&a strategy","response":"Our advisory services include developing strategy and tactics for transactions involving divestures, acquisitions, and mergers."},{"query":"Debit card certificate generation","response":"To generate a certificate, access the mobile app or Alfa-Online, go to the Card account section, and select \"Certificates and statements.\" A PDF file will be sent to your email and stored in your banking portal."},{"query":"city not supported for cashback","response":"Some offers are only valid in specific cities. If your location isn\u2019t included, cashback won\u2019t apply."},{"query":"Margin trading forex and bonds","response":"Margin trading covers forex and can include bonds."},{"query":"Pay bills online?","response":"Your debit card can be used to pay utility bills, internet fees, or mobile balance online."},{"query":"Loan agreement unclear","response":"Ask bank employees for explanations. If unresolved, consider postponing the decision and report to the Bank of Russia."},{"query":"can you automatically make decisions about my data without human review?","response":"No, we avoid relying solely on automatic processing for decisions affecting your rights or legal consequences unless required by law."},{"query":"application for accession not found","response":"The Application for Accession is part of the mandatory documents for investment structured products and deposits."},{"query":"Government-prohibited services example?","response":"Specific goods or services listed by the Government (e.g., certain high-risk financial products or state-controlled items) cannot be processed under a Merchant (TSP) arrangement."},{"query":"Need existing account to order credit card via app?","response":"Yes, ordering a credit card through the app or Alfa-Online requires that you already have an existing account with Alfa-Bank."},{"query":"Quasi-cash fee for online purchase","response":"Fees apply if the merchant\u2019s MCC code identifies it as quasi-cash and no exemptions apply."},{"query":"fee-free atm list","response":"Free ATM access is available at Alfa-Bank and partner banks: B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development."},{"query":"How much is the penalty for delaying a cash loan payment?","response":"The penalty is 0.1% of the overdue amount per day."},{"query":"Monthly SMS notification cost","response":"99 \u20bd per month."},{"query":"Differences between Alfa Business Online and Alfa Business Mobile","response":"Alfa Business Online is for PC-based access, while Alfa Business Mobile is for managing your account via smartphone or tablet."},{"query":"Does the Outperformance certificate protect invested capital?","response":"No, the Outperformance certificate does not protect invested capital as it carries a risk of capital loss."},{"query":"What documents do I need for structured investment products?","response":"You need the Agreement, Risk Declaration, and Application for Accession."},{"query":"Is Gazprombank part of no-fee ATM network?","response":"Yes, Gazprombank is a partner bank for fee-free ATM reloads with Alfa-Bank. Check their ATMs for balance or refills."},{"query":"Can I get cashback if I clear cart again?","response":"Yes\u2014before purchasing, you must clear your cart and add items again by clicking \"Go to shopping\" to ensure cashback eligibility."},{"query":"I used my card for a courier service. Cashback lost?","response":"Yes, purchases in categories like courier services (MCC 4215) or air\/ground delivery do not earn cashback."},{"query":"sexual orientation data","response":"Alfa-Bank does not collect or process personal data on sexual life."},{"query":"Structured bonds with capital at risk","response":"An example is the Outperformance certificate, which offers income through participation with leverage but risks losing part or all of the capital."},{"query":"Can I use SBP to send money to other banks","response":"Yes SBP transfers work to any Russian bank card via phone number as described."},{"query":"What Russian laws apply to debt under Loans and LPNs?","response":"The servicing of debt under Loans and LPNs in Russia is governed by Presidential decrees, Decisions of the Bank of Russia Board of Directors, and official clarifications from the Bank of Russia."},{"query":"What if I don\u2019t decide on an underlying asset?","response":"You must select the underlying asset when opening the structured product, as it is a required parameter for the investment."},{"query":"Want to process online payments without changing my website","response":"Acquiring and E-commerce solutions both allow online payments acceptance for goods and services without website fine-tuning."},{"query":"No fee for ATM withdrawals?","response":"Correct, cash withdrawals at ATMs are free. Fees only apply to cash withdrawals at cashiers."},{"query":"Max amount for cashback premium card","response":"The maximum transaction for cashback with a premium card is 500,000 rubles."},{"query":"card closure and account","response":"When you close your card, the associated account stays active. You can use it independently, link a new card, or close the account separately."},{"query":"I found my blocked card, can I use it again?","response":"Yes, unblock your card through the app or Alfa-Online and use it again."},{"query":"Need financing for new bond","response":"We support clients with financing at initial bond placements."},{"query":"Statement not received","response":"Check your email for the certificate in PDF format with a signature and blue stamp after requesting it via the mobile app or Alfa-Online."},{"query":"what happens if my lpn rights aren\u2019t recorded in the russian clearing system?","response":"Alfa-Bank cannot process your LPN payments in rubles unless your rights are registered via Russian depositories in the Russian clearing system."},{"query":"how to withdraw cash using a debit card?","response":"You can withdraw cash from ATMs using your Alfa-Bank debit card."},{"query":"does Alfa-Bank handle residence addresses","response":"Yes, residence addresses are part of the General personal data processed by Alfa-Bank."},{"query":"who offers the best hybrid products?","response":"Alfa Bank is a market leader in innovative hybrid products for corporate clients."},{"query":"what\u2019s the benefit of fsc-certified materials in eco-envelopes?","response":"FSC-certified materials in eco-envelopes ensure the use of sustainably sourced resources promoted by the international environmental association FSC."},{"query":"Who is Alfa-Bank\u2019s structured finance suitable for?","response":"Their structured finance products cater to institutional and private investors, with solutions tailored to individual financial needs."},{"query":"my account has a debt what to do","response":"If there\u2019s a debt on the account, you must repay it before the account can be closed."},{"query":"my business uses multiple currencies. any solution?","response":"Yes, the Deal Currency Deposit is ideal for managing multi-currency balances, allowing you to hedge market risks and optimize currency conversions."},{"query":"Do you process special data without my consent?","response":"Special categories like health or criminal records are processed only when legally mandated or permitted, not on a standard basis."},{"query":"Bonds for different markets","response":"Structured bonds allow you to receive income from various market movements through a single investment tool."},{"query":"Do you have any recent awards for your services?","response":"Yes, we are recognized as the best bank in Russia by Euromoney magazine and the best bank for business by Markswebb."},{"query":"Same day delivery for unnamed?","response":"Yes, if you need delivery, an unnamed card can be sent to you the same day. No pre-ordering is required."},{"query":"Certificate of no loans option missing in app","response":"Tap your name on the app\u2019s main screen \u2192 **Statements and references \u2192 On the presence or absence of loans** to access the certificate."},{"query":"no fee for business account","response":"Yes, small businesses pay no fee for account registration or maintenance."},{"query":"Alfa-Online says \u201cAdd to Home Screen\u201d is missing","response":"Ensure you\u2019re using Safari. Open Alfa-Online in Safari, tap **Share** at the bottom of the screen, and select **Add to Home Screen** to proceed."},{"query":"Why isn\u2019t my referral link working?","response":"Ensure you\u2019ve updated your app to the latest version; otherwise, the referral link may not function correctly."},{"query":"Can I unblock my card myself?","response":"Yes, you can unblock your card in the app or Alfa-Online after it has been temporarily blocked."},{"query":"What types of corporate transactions does Alfa-Bank advise on?","response":"Alfa-Bank advises on divestures, corporate acquisitions, and mergers."},{"query":"Why is the minimum amount so high?","response":"The minimum of 10 mio RUB or 1 mio CNY is likely designed for high-value or institutional clients seeking tailored structured products."},{"query":"margin trading forex fx","response":"Margin trading allows forex trading with leveraged access."},{"query":"Must the property be fully owned or registered?","response":"Yes, proper registration of land\/property ownership rights is mandatory."},{"query":"How do I set up automatic payments for subscriptions?","response":"Link your debit card to online services (e.g., streaming platforms). Payments will occur automatically after the initial setup."},{"query":"How do I top up someone else\u2019s mobile balance?","response":"You can use your Alfa-Bank debit card to pay for mobile balance top-ups for yourself or others through supported platforms."},{"query":"How does the no-collateral requirement work?","response":"The leased asset acts as security, eliminating the need for additional collateral during the leasing arrangement."},{"query":"are energy products available as derivatives?","response":"Yes, Alfa-Bank offers energy derivatives including oil and oil products, and coal within its commodity solutions."},{"query":"Alfa-Bank top private bank?","response":"Yes, Alfa-Bank is recognized as the largest private bank in Russia with deep expertise in banking services."},{"query":"Can I perform an expense operation with the Card Token?","response":"Yes, an Expense Operation in Russian rubles can be executed via the Card Token."},{"query":"Can you advise on selling a business unit?","response":"Yes, Alfa-Bank\u2019s advisory services include guidance for divestures, such as selling a business unit or part of a company."},{"query":"Can I get returns in a different currency","response":"Returns are based on the chosen underlying asset's performance and will reflect the currency or value of that asset."},{"query":"How do I close my account linked to a debit card?","response":"You can close your account via the Alfa-Bank app or Alfa-Online by selecting Actions \u2192 Close account. If it\u2019s the main or only account, you must close it by calling +7 495 788 88 78 (Moscow) or 8 800 200 00 00 (other regions) or visiting an Alfa-Bank branch."},{"query":"I don\u2019t want to wait for delivery. Can I get the card faster?","response":"Visit any Alfa-Bank branch to sign the agreement and receive the free debit card immediately."},{"query":"Can I get cashback on previous orders","response":"Only purchases meeting the campaign conditions (e.g., partner button clicked, valid city, and timing) qualify. Past orders won\u2019t retroactively receive cashback if conditions weren\u2019t met."},{"query":"Cashback delayed? When will it appear?","response":"Cashback is usually transferred on the 10th of the month. However, partners may have extended timelines, so the payment could arrive later depending on their schedule."},{"query":"What kind of financial products combine fixed income and derivatives?","response":"Alfa-Bank offers Hybrid Products that combine fixed income instruments with derivative strategies for different client needs and situations."},{"query":"What if my card doesn\u2019t have the free withdrawal feature?","response":"If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission according to your card\u2019s tariff."},{"query":"How do I transfer money using a debit card?","response":"You can transfer money from your debit card via the card itself, as it holds your own funds and allows for money transfers."},{"query":"Early cash loan repayment fee?","response":"There is no additional fee, but repayment includes all interest accrued up to the time you return the loan funds."},{"query":"can i get the deposit back in a currency different from the original?","response":"Yes, repayment can be done in the deposit currency or an alternative currency as specified in the agreement. The alternative currency repayment is based on the conversion rate agreed upon."},{"query":"I was charged for overdraft. When?","response":"You are charged 30 days after an overdraft appears, with a fee of 20% of the overdraft amount."},{"query":"For how long does a cash loan increase my limit","response":"The cash withdrawal limit is increased by the loan amount for 30 calendar days after taking out a cash loan or refinancing."},{"query":"no app needed?","response":"Alfa-Online works directly as a mobile banking site on smartphones without requiring you to download the app."},{"query":"help with activities in russia via alfa-bank?","response":"Alfa-Bank offers full assistance for any issues related to your operations in Russia."},{"query":"What does the Electronic Log include?","response":"The Electronic Log includes all checks and actions taken by the User and the Bank according to the Agreement."},{"query":"registration not completed yet. am i considered a user?","response":"No, completing the Registration procedure is a mandatory requirement to be classified as a User of the Mobile Bank."},{"query":"Need info on factoring with electronic documentation","response":"Alfa-Bank offers online factoring via a high-tech platform. It uses electronic document flow and e-signature, allowing suppliers and debtors to process transactions and receive financing within hours."},{"query":"Need in Russian","response":"You can request a certificate in Russian through the mobile app or Alfa-Online."},{"query":"Can I use a foreign document as ID if I\u2019m a stateless person?","response":"Yes, a document issued by a foreign state and recognized under an international treaty of the Russian Federation can be used as an identity document for a stateless person."},{"query":"Do shareholders and company visitors have their data processed?","response":"Yes, shareholders and visitors to the bank are included in the categories whose personal data is processed."},{"query":"Favorable rate?","response":"The interest rate is boosted and higher than the rate on classic deposits."},{"query":"How long does it take to fully close my account?","response":"The account will be fully closed in 45 days after the closure request is initiated."},{"query":"what if i need animal care guidance?","response":"Use the Alfa-Friend Telegram bot for expert advice and step-by-step instructions on caring for animals."},{"query":"Your data protection steps","response":"We identify threats, apply legal security measures, use certified tools, evaluate effectiveness, track physical media, detect breaches, recover data, control access, log actions, and monitor security continuously."},{"query":"Use card token for payments","response":"Yes, you can perform an Expense Operation using the Card Token."},{"query":"Leasing vehicles currency options","response":"You can lease vehicles in RUR, USD, or EUR."},{"query":"Does your bank do valuation for IPO transactions?","response":"Yes, we perform business valuation specifically for the purposes of the transaction during IPO\/SPO."},{"query":"How can I repay my cash loan early?","response":"You can repay your loan early in the mobile app by navigating to **Your loan account \u2192 Repay early**."},{"query":"when cashback for october?","response":"Cashback for October purchases will be credited on November 10."},{"query":"Already have a card","response":"If you already have an Alfa-Card, we\u2019ll link the loan to it and credit the funds to your existing account. No new card is needed."},{"query":"Leasing for profitable business only","response":"Yes, the applicant must have an ongoing profitable business."},{"query":"What\u2019s the max credit period for imports?","response":"The maximum credit period for ECA-backed equipment imports is ten years."},{"query":"Debit card payment system?","response":"Alfa-Bank issues Mir cards. Verify your card\u2019s payment system through the mobile app, Alfa-Online, or the website."},{"query":"Can I avoid quasi-cash fees?","response":"Quasi-cash transactions may involve commissions. To avoid fees, avoid using your card for services like casinos, crypto exchanges, or bookmakers."},{"query":"do you accept foreign banks for correspondent accounts?","response":"Yes, over 400 banks and non-banking credit institutions from abroad maintain correspondent accounts with Alfa-Bank."},{"query":"Can I open a deposit remotely?","response":"Yes, Online Deposits can be managed through the bank\u2019s online banking system, enabling remote deposit management without needing a paper form."},{"query":"Do we need to prove ongoing profitable business?","response":"Yes, the business must demonstrate ongoing profitability."},{"query":"Bond start-up finance","response":"Yes, we finance clients at initial bond placements."},{"query":"what if i pay less than required","response":"If you pay less than the minimum required amount, your grace period will end, and interest will be charged on the entire debt."},{"query":"How fast can I get a card made in a branch?","response":"You can receive an unnamed card directly at a branch in ten minutes without a prior order."},{"query":"LPN program borrower?","response":"The borrower is Joint Stock Company \u201cALFA-BANK\u201d (Alfa-Bank)."},{"query":"How can I receive the One-Time Password for my Alfa-Bank Mobile Bank transactions?","response":"The One-Time Password is sent to your mobile phone number via SMS or Push notification."},{"query":"Turn on SMS alerts","response":"Activate SMS notifications via the app or Alfa-Online."},{"query":"Use debit card for purchases","response":"Yes, a debit card can be used to pay for purchases wherever it is accepted."},{"query":"My loan closed automatically. Why did I get an SMS?","response":"The SMS confirms your loan has been fully repaid, and the agreement has been closed automatically by Alfa-Bank."},{"query":"what if the bank faces legal action?","response":"Bank legal actions may impact product availability; monitor official statements and consult your advisor in such scenarios."},{"query":"I need the account number for Chinese Yuan payments.","response":"For payments in Chinese Yuan (CNY), the correspondent account number is 30109156600000000069, held with BANK OF CHINA (RUSSIA) located at Pr-t Mira 72, Moscow, 129110."},{"query":"Margin trading forex forex","response":"Margin trading includes forex and leveraged forex positions."},{"query":"Do quasi-cash transactions have fees?","response":"Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers."},{"query":"When does my credit card grace period start again after I pay off my balance?","response":"The grace period resets during the day after you fully repay your debt."},{"query":"Non-commercial app use required","response":"Yes, the Mobile Bank can only be used for non-commercial purposes."},{"query":"What packages exclude quasi-cash charges?","response":"The fee is excluded for the Maximum Ultra, Maximum Free, Maximum Ultra Free, Premium, A-Club packages, and the Maximum+ package for personalized cards."},{"query":"Who is responsible for data processing in your bank?","response":"A person has been appointed to organize personal data processing and ensure adherence to legal and policy requirements."},{"query":"Can I create a flexible payment schedule for the lease?","response":"Yes, payment schedules can be tailored to fit the Client\u2019s requirements."},{"query":"What is an SBP transfer?","response":"An SBP (Fast Payment System) transfer is a phone number-based transfer to a card of any Russian bank, with the money credited instantly and no commission charged, even for transfers exceeding 100,000 \u20bd per month."},{"query":"need secure cash deposit solution","response":"Cash Collection offers a safe and straightforward way to transfer income into your bank account."},{"query":"what if my payment needs usd conversion","response":"You can route the payment with conversion to USD via Alfa-Bank\u2019s supported FX services."},{"query":"Can I have a 0% down payment for the leased vehicle?","response":"Yes, the down payment can start from 0%."},{"query":"Is there free cashier withdrawal?","response":"No, cashier withdrawals always incur a fee. Fee-free cash can only be withdrawn via ATMs."},{"query":"How can I get a certificate for my debit card?","response":"You can obtain a certificate via the mobile app or Alfa-Online: go to the Card account section and select \"Certificates and statements.\" A PDF certificate with a signature and blue seal will be sent to your email and stored in the app or online banking."},{"query":"What if I don\u2019t fly for two years?","response":"If you do not fly with Aeroflot, Nordavia, or SkyTeam airlines for two calendar years, all accumulated miles will expire."},{"query":"I have an issue with the privacy policy","response":"Send an inquiry via the bank\u2019s online feedback form, ensuring the subject line states \"Privacy Policy.\""},{"query":"What starts a new grace period after paying off my balance?","response":"A new grace period begins on the date of your next qualifying transaction after full repayment."},{"query":"Stateless person residency Russia","response":"A residence permit in the Russian Federation is required for permanent residence."},{"query":"Does Mir Pay work outside Russia?","response":"Yes, in Armenia, Kyrgyzstan, and Kazakhstan, where Mir cards are accepted in local banks."},{"query":"Do you monitor security measures for personal data?","response":"Yes, we continuously monitor the security measures in place for personal data protection to ensure their effectiveness and compliance."},{"query":"is alfa-bank\u2019s chinese rating good or bad","response":"Alfa-Bank has a AA- rating in China, which is generally considered a strong credit rating."},{"query":"What is SBP payment","response":"SBP is Russia's Fast Payment System using phone numbers to send money instantly to any bank."},{"query":"Do I need a Russian depository to receive LPN payments?","response":"Yes, LPN payments are made through Russian depositories for noteholders whose rights are registered in the Russian clearing system."},{"query":"Remote banking access for private clients","response":"Private clients can use Alfa Private\u2019s remote banking features, such as telephone banking and a specialized mobile app, to manage their accounts."},{"query":"Margin trading for commodities?","response":"Yes, margin trading covers a wide range of underlying assets, including commodities."},{"query":"What documents are accepted for stateless persons to prove identity?","response":"A document issued by a foreign state recognized via an international treaty of the Russian Federation, a temporary residence permit, a residence permit, or other documents specified by federal laws or international treaties as stateless person identity documents."},{"query":"cashback not applied even after clicking partner link","response":"Double-check if you\u2019re in a valid city or region for the offer. Cashback only applies to purchases meeting all conditions."},{"query":"Who can use Alfa-Bank\u2019s factoring platform?","response":"The platform is for clients engaging in supply chain transactions, as it supports electronic document flow and instant financing."},{"query":"Why choose indexed deposits over regular deposits?","response":"Indexed deposits offer higher interest income potential compared to classic deposits, especially when anticipating changes in the underlying asset\u2019s performance."},{"query":"What happens after I sign the agreement?","response":"After signing, you\u2019ll receive a free debit card (if applicable), and the loan amount will be credited to your account. You can then withdraw cash, transfer money, or make purchases."},{"query":"how to get deferred payments for a loan?","response":"We offered loan deferments during the pandemic\u2014reach out to us directly to discuss your options."},{"query":"Can I get a stamped statement?","response":"Yes, a PDF certificate with a signature and blue seal will be available in your app\/online banking and sent to your email."},{"query":"I need to block my card quickly","response":"You can instantly block your card through the Alfa-Bank app or Alfa-Online if it\u2019s lost or stolen."},{"query":"apply for insurance without visiting branch","response":"Within the Alfa-Bank app, you can apply for insurance, loans, or open an investment account\u2014all remotely without needing to visit a branch."},{"query":"what about custom hedging solutions","response":"Alfa-Bank tailors hedging solutions to client needs with flexible structures."},{"query":"why didn\u2019t i get a notification about the quasi-cash fee when i paid?","response":"The bank calculates the fee after the transaction based on the seller\u2019s MCC code, so no real-time notification is sent."},{"query":"Card pickup address wrong","response":"Correct your pickup address in the app, Alfa-Online, or by calling customer support."},{"query":"Margin trading forex forex","response":"Margin trading allows leveraged forex positions in major currencies."},{"query":"do you require third parties to follow data protection rules?","response":"Yes. Any third party handling your data must comply with legally established data processing principles, confidentiality obligations, and security measures as stipulated in our contracts."},{"query":"no fee for family card","response":"The Debit Alfa-Card is free to issue and maintain, with no fees for families."},{"query":"card replacement fee","response":"Reissuing a new card costs 290 \u20bd, unless you\u2019re subscribed to the Premium tariff, which waives the fee."},{"query":"Why no interest payments on my loan?","response":"Alfa-Bank cannot make scheduled interest payments because it has not received the required Specific Licence from OFSI or General Licence from OFAC."},{"query":"processing data of suppliers\u2019 employees","response":"Yes, the bank processes data of employees from suppliers and partners under contractual relations."},{"query":"what\u2019s required for 280k loan with no alfa-bank card?","response":"Only a Russian passport is needed. No income documents are required for loans up to 300,000 \u20bd."},{"query":"How to start the leasing process","response":"Select the desired asset (e.g., vehicle or equipment), and Alfa-Bank will manage the deal with all parties under a \u201cone entry point\u201d system."},{"query":"foreign exchange solutions for companies?","response":"Alfa-Bank offers forward and cash FOREX transactions, settlement optimizations, and strategies to mitigate costs and risks for businesses involved in international trade."},{"query":"How does Alfa-Bank maintain its leadership in RUB FX markets?","response":"The bank consistently ranks #1 as a RUB FX spot market-maker in Bloomberg FXGO (2019\u20132020) and held the #1 position in the CEEMEA region in Euromoney ratings from 2016\u20132018, becoming the only Russian bank in the global Top-30."},{"query":"Margin trading forex forex","response":"Margin trading allows forex trading with leveraged positions."},{"query":"my payment went at 5:15 pm. is it processed same day","response":"If it\u2019s an electronic payment, submitting at 5:15pm will not qualify for same-day processing."},{"query":"get transaction statements","response":"Transaction statements and account balance certificates are available directly in the app."},{"query":"code associated with my phone","response":"Yes, the Code is linked exclusively to your Mobile Device and cannot be used on other devices."},{"query":"sign docs but not sure to pay?","response":"You must not sign the loan agreement or any other bank documents unless you are certain you can meet the required payments and obligations."},{"query":"If I\u2019m not a client but visit the bank website, are my data processed?","response":"Yes, website and mobile app users\u2019 personal data are processed."},{"query":"if i take two cash loans in a month how does that affect my limit","response":"If you take out two cash loans in one month, the limit is increased only by the amount of the first loan."},{"query":"Reports location","response":"All reports are available at alfabank.ru (for Russian) and alfabank.ru\/en\/ (for English)."},{"query":"can i get interest rate swaps for my business","response":"Yes, Alfa-Bank offers interest-rate swaps as one of its derivative products."},{"query":"i need to send a book transfer on a holiday. is there a time limit","response":"On weekends and holidays, book transfers must be submitted by 6pm Moscow time."},{"query":"Why choose Alfa-Bank for payments?","response":"The bank\u2019s widespread correspondent network ensures real-time cross-regional payments."},{"query":"cashback delay","response":"Cashback is credited on the 10th of each month after meeting all requirements."},{"query":"What role does Bank of Russia have in debt servicing?","response":"The Bank of Russia contributes through its Board Decisions and official clarifications, which are part of the legal framework governing debt under Loans and LPNs."},{"query":"Asset and liability side products?","response":"Structured finance products from Alfa-Bank address both asset and liability side situations using hybrid strategies."},{"query":"How does the card function after ordering?","response":"The card is issued immediately. You can transfer money in the app or pay online the same day."},{"query":"how to split a bill via Alfa app","response":"Use your app to send a link to friends or colleagues for splitting a restaurant bill or sharing the cost of a gift. All you need to do is create the shared payment and share the link."},{"query":"Debit vs credit card","response":"A debit card uses your own funds and does not let you borrow money, while a credit card offers a borrowing limit that you must pay back later."},{"query":"Can I change my PIN code?","response":"Yes, you can independently set and update your PIN code in accordance with the Card Issuance Agreement."}]