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What about sole proprietors? | Alfa-Bank processes data of clients who are sole proprietors or individuals engaged in private practice. |
How can I block my card if it is lost? | 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. |
Penalty for not paying on time | A 0.1% fee is applied daily to the overdue loan amount if you don’t make the payment on time. |
Partner offers for higher cashback | Partner offers with increased cashback and discounts are available in the “Showcase” section of the app. |
I can’t find my cashback. Where is it? | Check the **Your Total Cashback** section in the Alfa-Bank app or Alfa-Online to view your earnings. |
What is the minimum leasing limit required? | The minimum leasing limit is 100 million RUB. |
Is there a different rate for RUB vs USD? | RUB uses the RUONIA benchmark, while USD uses the LIBOR USD overnight rate—each with their own rates as per Alfa-Bank’s Schedule. |
Alfa-Bank offers structured notes? | Yes, structured notes are part of Alfa-Bank’s diverse structured finance products, available for institutional and private investors. |
Where to send CNY payments | For Chinese Yuan (CNY) payments, use BANK OF CHINA (RUSSIA) at Pr-t Mira 72, Moscow, 129110. |
is alfa-bank a member of the association of banks of russia? | Yes, Alfa-Bank is a member of the Association of Banks of Russia. |
Can I use my Alfa-Bank Mir card with Samsung Pay on Android? | Yes, if you have an Android smartphone, you can add your Mir card to the Mir Pay and Samsung Pay apps for mobile payments. |
Cost for non-premium users if not qualifying for Premium | 2990 ₽ per month, unless you qualify for reduced rates. |
Is citizenship required? | Yes, you must be a Russian citizen to apply for a cash loan. |
margin trading forex forex | Margin trading includes forex for leveraged forex positions. |
How long does freezing take? | Freezing is instant when initiated via the "All my products" → "Card" → "Freeze card" path in the app. |
No fee atm partner list? | Partner banks include B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, Russian Agricultural Bank, and Ural Bank for Reconstruction and Development. |
How do I contact Moscow office? | Contact the Moscow office via phone at +7 (495) 620-91-91 or by mail to 27 Kalanchevskaya str., Moscow, Russia, 107078. |
My tablet, compatible? | Yes, a tablet that is capable of installing Mobile Bank can be used as a Mobile Device. |
Can I invest in hybrid products? | Hybrid Products combining fixed income instruments with derivative strategies are available for different client types and situations. |
Delayed loan payment fine | Missing your loan payment results in a 0.1% daily fee on the overdue amount. |
How to link credit card to online services | Link your credit card in the mobile app to online services like taxis or streaming platforms. Once linked, payments will process automatically. |
I made a transfer on Saturday at 7pm, is it processed? | 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. |
What documents needed for cash loan if I have an Alfa-Bank salary card? | Only a Russian passport is required for a cash loan if your salary is credited to an Alfa-Bank card. |
structured product cny minimum | The minimum deposit in Chinese yuan is 1 million CNY. |
i need to manage daily payments. suggest solution | The overdraft facility ensures predictable stability by covering payments instantly, even if your account balance is insufficient. |
Pay lottery tickets quasi-cash? | Yes, purchasing lottery tickets is classified as a quasi-cash transaction, and you may incur a commission fee. |
Can I cancel the loan after application? | Submitting the application is an offer that, once accepted by the bank, forms the agreement. You must confirm understanding before proceeding. |
My card was used for a government fine. No cashback? | Correct, transactions involving legal fines (MCC 7311) or government fees do not qualify for cashback. |
how to arrange payments beyond operational hours | You may pre-agree case-by-case with the bank to submit payment orders during extended operational hours. |
How to control my personal data? | The policy explains how clients and partners can manage the collection and use of their personal and confidential data. |
card closure steps | To close your card, go to All my products → Card → Close card in the mobile app or Alfa-Online. The process takes effect immediately. |
Can I use the mobile app for payments? | Yes, you can make purchases or transfers using the Alfa-Bank app with the funds loaded on your card. |
How does SBP transfer work | SBP is a phone number-based system that transfers money instantly to any Russian bank card. |
Is my data shared for research purposes? | Yes, your data may be used in aggregated and anonymized form for statistical and research purposes, such as forecasting, targeting, and model building. |
I spent a lot last month, where is my cashback? | Cashback for regular purchases is credited on the 10th of the following month. Check the **Your Total Cashback** section for updates. |
SBP for any Russian bank? | Yes, SBP transfers can be sent to cards of any Russian bank. |
What actions are considered personal data processing? | 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. |
what is the cost for replacing my card? | The cost to reissue your card is 290 ₽. However, if you have the Premium tariff, the service is free. |
LC options available | Yes, our services include letter of credit transactions in both RUB and foreign currencies (FCY). |
NFC near field communication | NFC stands for Near Field Communication. It is a wireless technology that uses high-frequency signals for short-range data exchange between devices. |
I can’t download app on Huawei phone | Huawei users can download the Alfa-Bank app via Huawei AppGallery, our website, or other listed official store partners. Follow the **Download anyway → Allow installation** prompts if warnings appear. |
what benchmark rates apply to eur accounts? | EUR account balances accrue interest based on the LIBOR EUR overnight rate, following Alfa-Bank’s Schedule of interest. |
Need to report a privacy policy concern | Use the feedback form available on the bank’s website and select "Privacy Policy" as the subject to raise your concern. |
Can I select different assets for the underlying? | Yes, you can choose the underlying asset as a currency, commodity, index, or stock. |
sexual orientation data | Alfa-Bank does not collect or process personal data on sexual life. |
How does Alfa-Bank use my personal data? | 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. |
Affirmed rating info | On April 9, 2025, Expert RA affirmed Alfa-Bank’s national-scale credit rating at ruAA+ with a Stable outlook. |
I tried a non-partner ATM and got charged. What now? | You were charged because the ATM is not in Alfa-Bank’s partner network. Always check the list of partner banks (B&N BANK, Gazprombank, etc.) for fee-free transactions. |
free atm cash partner banks | Alfa-Bank partners with B&N BANK, Gazprombank, Promsvyazbank, Credit Bank of Moscow, Rosbank, and Ural Bank to offer free cash withdrawals. |
Does refinancing affect my cash withdrawal limit? | Yes, during refinancing, your cash withdrawal limit is increased by the amount received above the outstanding debt from your previous loan. |
Funds overpaid. Can I withdraw them? | Yes, withdraw the remaining funds from an ATM, use them for purchases, or transfer via the mobile app under **Payments → Transfer method**. |
Special features in private mobile banking | Private banking clients get access to a mobile bank with unique features designed for better management of financial tasks. |
How to change my card delivery time | 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). |
What’s the structure of Outperformance certificate returns? | The Outperformance certificate offers returns based on participation with leverage. |
lending securities via repo | REPO deals are the method used to lend securities, allowing clients to optimize cash-flow and boost portfolio performance. |
what types of rub payments does alfa-bank process? | 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. |
referral bonus not credited yet | 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. |
How does Alfa-Bank support international business operations? | 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. |
what is the advantage of structured bonds? | Structured bonds allow you to increase investment return in a convenient format, receive income from various market movements, and diversify your investment portfolio. |
How do I check when my card is ready? | Monitor the card’s readiness through the Alfa-Bank app or by following the link in your SMS/push notification. |
Alfa-Bank affiliated with Fintech organizations? | Yes, Alfa-Bank is a member of the Fintech Association. |
can i get expert opinions on foreign exchange? | Yes, Alfa-Bank delivers expert opinions on foreign exchange, commodities, credit, and interest rates. |
online purchases with debit card | 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. |
my balance is cleared. when does the next grace period start? | The next grace period starts from the date of your next qualifying transaction after repayment. |
where is the investment product placed? | It is placed OTC through NSD. |
Are religious or charitable organizations considered TSPs? | No, non-commercial organizations like religious or charitable groups (properly registered) are explicitly excluded from being classified as TSPs. |
Alfa-Bank’s credit rating agency | Expert RA affirmed Alfa-Bank’s rating at ruAA+ with a Stable outlook. |
how do i get the cash loan to my account after approval? | After your loan is approved, we’ll send the loan agreement and payment schedule to your email. Sign the agreement electronically or visit a branch to sign. Once signed, we’ll deliver a free debit card with the loan amount credited, or link the funds to your existing Alfa-Bank card. |
what documents needed for cash loan if i have an alfa-bank salary card? | Only a Russian passport is required for a cash loan if your salary is credited to an Alfa-Bank card. |
who can get it | Cardholders can request certificates and statements for their credit cards. |
can my business apply for the quality seal reward program? | 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. |
Need USD in foreign ATM | If you require US dollars while using a foreign ATM, you won’t be able to withdraw them directly. Withdraw the local currency instead and exchange it for USD at a currency exchange office. |
Can I use Alfa-Online on any smartphone? | Yes, Alfa-Online is compatible with all smartphones and does not require downloading an app. |
is there a limit for commission-free transfers? | 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. |
What is a Refund Operation? | 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. |
What about GBP payments? | GBP falls under "other European currencies," so its payments execute next-day value. |
What is the difference between a debit card and a credit card? | 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. |
What if my repayment funds arrive after 11 PM Moscow time? | 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. |
One-Time Password not received | If you didn’t get the One-Time Password via SMS or Push, ensure your Mobile Device is registered correctly or request a resend through Mobile Bank. |
Business registered in region without Bank presence | The business must be registered and located in a region where Alfa-Bank has a presence to apply for leasing. |
am i charged for transferring funds to a bookmaker? | Yes, transferring money to a bookmaker is a quasi-cash transaction and may involve a commission. |
How to pick up unnamed card fast | You can collect an unnamed card directly in any branch within 10 minutes without pre-ordering. For delivery, we’ll send it the same day. |
physical and digital card | 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. |
Training for new employees? | Alfa-Academy offers training for employees, with courses designed for professional development. |
nostro agents locations | Nostro agents are located worldwide, ensuring payments via European, Asian, and US banks. |
What’s required for a stateless person to open a bank account in Russia? | A stateless person must have a residence permit in the Russian Federation to open a bank account or access banking services. |
What’s included in market making support? | Market making support involves providing liquidity in your securities post-issuance to ensure stable trading conditions. |
How does leasing help reduce taxes? | Leasing payments are charged to company costs in full, reducing taxable income. Accelerated depreciation also helps save on property tax. |
How to optimize my portfolio with REPO? | REPO deals can help improve portfolio performance by efficiently managing cash flow and leveraging security lending/borrowing. |
cashback not showing up after purchase | Check if you (1) clicked the button in the partner’s 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. |
payment orders processed after 5pm | Only if pre-agreed case-by-case for extended operational hours. |
Tools for handling accounts receivable? | The register of receivables is a convenient tool designed to help minimize accounts receivable by tracking and managing them efficiently. |
Presidential decisions on debt rules | Presidential Executive Orders are one of the legal tools regulating debt servicing for Loans and LPNs in Russia. |
Bond fx finance options | Initial bond placements can be financed in major currencies. |
Can I report privacy issues here? | Yes, use the bank’s website feedback form and include "Privacy Policy" as the subject for your report. |
residency permit for stateless to bank | Stateless individuals need a valid residence permit in the Russian Federation to bank. |
Does Gazprombank participate in Alfa-Bank’s fee-free ATM program? | Yes, Gazprombank is a partner bank that allows free cash withdrawals for Alfa-Bank cardholders. |
Required documents for foreign citizens | Foreign citizens are required to submit a list of documents when applying for banking services. |
who gave alfa-bank its credit rating? | Expert RA affirmed Alfa-Bank’s rating at ruAA+ with a Stable outlook. |
How do I know which documents to bring if I’m not a resident? | Bring the required documents for foreign citizens or stateless persons as specified by the bank when applying for services. |
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