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For how long does a cash loan increase my limit | The cash withdrawal limit is increased by the loan amount for 30 calendar days after taking out a cash loan or refinancing. |
no app needed? | Alfa-Online works directly as a mobile banking site on smartphones without requiring you to download the app. |
help with activities in russia via alfa-bank? | Alfa-Bank offers full assistance for any issues related to your operations in Russia. |
What does the Electronic Log include? | The Electronic Log includes all checks and actions taken by the User and the Bank according to the Agreement. |
registration not completed yet. am i considered a user? | No, completing the Registration procedure is a mandatory requirement to be classified as a User of the Mobile Bank. |
Need info on factoring with electronic documentation | 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. |
Need in Russian | You can request a certificate in Russian through the mobile app or Alfa-Online. |
Can I use a foreign document as ID if I’m a stateless person? | 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. |
Do shareholders and company visitors have their data processed? | Yes, shareholders and visitors to the bank are included in the categories whose personal data is processed. |
Favorable rate? | The interest rate is boosted and higher than the rate on classic deposits. |
How long does it take to fully close my account? | The account will be fully closed in 45 days after the closure request is initiated. |
what if i need animal care guidance? | Use the Alfa-Friend Telegram bot for expert advice and step-by-step instructions on caring for animals. |
Your data protection steps | 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. |
Use card token for payments | Yes, you can perform an Expense Operation using the Card Token. |
Leasing vehicles currency options | You can lease vehicles in RUR, USD, or EUR. |
Does your bank do valuation for IPO transactions? | Yes, we perform business valuation specifically for the purposes of the transaction during IPO/SPO. |
How can I repay my cash loan early? | You can repay your loan early in the mobile app by navigating to **Your loan account → Repay early**. |
when cashback for october? | Cashback for October purchases will be credited on November 10. |
Already have a card | If you already have an Alfa-Card, we’ll link the loan to it and credit the funds to your existing account. No new card is needed. |
Leasing for profitable business only | Yes, the applicant must have an ongoing profitable business. |
What’s the max credit period for imports? | The maximum credit period for ECA-backed equipment imports is ten years. |
Debit card payment system? | Alfa-Bank issues Mir cards. Verify your card’s payment system through the mobile app, Alfa-Online, or the website. |
Can I avoid quasi-cash fees? | Quasi-cash transactions may involve commissions. To avoid fees, avoid using your card for services like casinos, crypto exchanges, or bookmakers. |
do you accept foreign banks for correspondent accounts? | Yes, over 400 banks and non-banking credit institutions from abroad maintain correspondent accounts with Alfa-Bank. |
Can I open a deposit remotely? | Yes, Online Deposits can be managed through the bank’s online banking system, enabling remote deposit management without needing a paper form. |
Do we need to prove ongoing profitable business? | Yes, the business must demonstrate ongoing profitability. |
Bond start-up finance | Yes, we finance clients at initial bond placements. |
what if i pay less than required | If you pay less than the minimum required amount, your grace period will end, and interest will be charged on the entire debt. |
How fast can I get a card made in a branch? | You can receive an unnamed card directly at a branch in ten minutes without a prior order. |
LPN program borrower? | The borrower is Joint Stock Company “ALFA-BANK” (Alfa-Bank). |
How can I receive the One-Time Password for my Alfa-Bank Mobile Bank transactions? | The One-Time Password is sent to your mobile phone number via SMS or Push notification. |
Turn on SMS alerts | Activate SMS notifications via the app or Alfa-Online. |
Use debit card for purchases | Yes, a debit card can be used to pay for purchases wherever it is accepted. |
My loan closed automatically. Why did I get an SMS? | The SMS confirms your loan has been fully repaid, and the agreement has been closed automatically by Alfa-Bank. |
what if the bank faces legal action? | Bank legal actions may impact product availability; monitor official statements and consult your advisor in such scenarios. |
I need the account number for Chinese Yuan payments. | 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. |
Margin trading forex forex | Margin trading includes forex and leveraged forex positions. |
Do quasi-cash transactions have fees? | Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers. |
When does my credit card grace period start again after I pay off my balance? | The grace period resets during the day after you fully repay your debt. |
Non-commercial app use required | Yes, the Mobile Bank can only be used for non-commercial purposes. |
What packages exclude quasi-cash charges? | The fee is excluded for the Maximum Ultra, Maximum Free, Maximum Ultra Free, Premium, A-Club packages, and the Maximum+ package for personalized cards. |
Who is responsible for data processing in your bank? | A person has been appointed to organize personal data processing and ensure adherence to legal and policy requirements. |
Can I create a flexible payment schedule for the lease? | Yes, payment schedules can be tailored to fit the Client’s requirements. |
What is an SBP transfer? | 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 ₽ per month. |
need secure cash deposit solution | Cash Collection offers a safe and straightforward way to transfer income into your bank account. |
what if my payment needs usd conversion | You can route the payment with conversion to USD via Alfa-Bank’s supported FX services. |
Can I have a 0% down payment for the leased vehicle? | Yes, the down payment can start from 0%. |
Is there free cashier withdrawal? | No, cashier withdrawals always incur a fee. Fee-free cash can only be withdrawn via ATMs. |
How can I get a certificate for my debit card? | 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. |
What if I don’t fly for two years? | If you do not fly with Aeroflot, Nordavia, or SkyTeam airlines for two calendar years, all accumulated miles will expire. |
I have an issue with the privacy policy | Send an inquiry via the bank’s online feedback form, ensuring the subject line states "Privacy Policy." |
What starts a new grace period after paying off my balance? | A new grace period begins on the date of your next qualifying transaction after full repayment. |
Stateless person residency Russia | A residence permit in the Russian Federation is required for permanent residence. |
Does Mir Pay work outside Russia? | Yes, in Armenia, Kyrgyzstan, and Kazakhstan, where Mir cards are accepted in local banks. |
Do you monitor security measures for personal data? | Yes, we continuously monitor the security measures in place for personal data protection to ensure their effectiveness and compliance. |
is alfa-bank’s chinese rating good or bad | Alfa-Bank has a AA- rating in China, which is generally considered a strong credit rating. |
What is SBP payment | SBP is Russia's Fast Payment System using phone numbers to send money instantly to any bank. |
Do I need a Russian depository to receive LPN payments? | Yes, LPN payments are made through Russian depositories for noteholders whose rights are registered in the Russian clearing system. |
Remote banking access for private clients | Private clients can use Alfa Private’s remote banking features, such as telephone banking and a specialized mobile app, to manage their accounts. |
Margin trading for commodities? | Yes, margin trading covers a wide range of underlying assets, including commodities. |
What documents are accepted for stateless persons to prove identity? | 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. |
cashback not applied even after clicking partner link | Double-check if you’re in a valid city or region for the offer. Cashback only applies to purchases meeting all conditions. |
Who can use Alfa-Bank’s factoring platform? | The platform is for clients engaging in supply chain transactions, as it supports electronic document flow and instant financing. |
Why choose indexed deposits over regular deposits? | Indexed deposits offer higher interest income potential compared to classic deposits, especially when anticipating changes in the underlying asset’s performance. |
What happens after I sign the agreement? | After signing, you’ll 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. |
how to get deferred payments for a loan? | We offered loan deferments during the pandemic—reach out to us directly to discuss your options. |
Can I get a stamped statement? | Yes, a PDF certificate with a signature and blue seal will be available in your app/online banking and sent to your email. |
I need to block my card quickly | You can instantly block your card through the Alfa-Bank app or Alfa-Online if it’s lost or stolen. |
apply for insurance without visiting branch | Within the Alfa-Bank app, you can apply for insurance, loans, or open an investment account—all remotely without needing to visit a branch. |
what about custom hedging solutions | Alfa-Bank tailors hedging solutions to client needs with flexible structures. |
why didn’t i get a notification about the quasi-cash fee when i paid? | The bank calculates the fee after the transaction based on the seller’s MCC code, so no real-time notification is sent. |
Card pickup address wrong | Correct your pickup address in the app, Alfa-Online, or by calling customer support. |
Margin trading forex forex | Margin trading allows leveraged forex positions in major currencies. |
do you require third parties to follow data protection rules? | 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. |
no fee for family card | The Debit Alfa-Card is free to issue and maintain, with no fees for families. |
card replacement fee | Reissuing a new card costs 290 ₽, unless you’re subscribed to the Premium tariff, which waives the fee. |
Why no interest payments on my loan? | Alfa-Bank cannot make scheduled interest payments because it has not received the required Specific Licence from OFSI or General Licence from OFAC. |
processing data of suppliers’ employees | Yes, the bank processes data of employees from suppliers and partners under contractual relations. |
what’s required for 280k loan with no alfa-bank card? | Only a Russian passport is needed. No income documents are required for loans up to 300,000 ₽. |
How to start the leasing process | Select the desired asset (e.g., vehicle or equipment), and Alfa-Bank will manage the deal with all parties under a “one entry point” system. |
foreign exchange solutions for companies? | Alfa-Bank offers forward and cash FOREX transactions, settlement optimizations, and strategies to mitigate costs and risks for businesses involved in international trade. |
How does Alfa-Bank maintain its leadership in RUB FX markets? | The bank consistently ranks #1 as a RUB FX spot market-maker in Bloomberg FXGO (2019–2020) and held the #1 position in the CEEMEA region in Euromoney ratings from 2016–2018, becoming the only Russian bank in the global Top-30. |
Margin trading forex forex | Margin trading allows forex trading with leveraged positions. |
my payment went at 5:15 pm. is it processed same day | If it’s an electronic payment, submitting at 5:15pm will not qualify for same-day processing. |
get transaction statements | Transaction statements and account balance certificates are available directly in the app. |
code associated with my phone | Yes, the Code is linked exclusively to your Mobile Device and cannot be used on other devices. |
sign docs but not sure to pay? | You must not sign the loan agreement or any other bank documents unless you are certain you can meet the required payments and obligations. |
If I’m not a client but visit the bank website, are my data processed? | Yes, website and mobile app users’ personal data are processed. |
if i take two cash loans in a month how does that affect my limit | If you take out two cash loans in one month, the limit is increased only by the amount of the first loan. |
Reports location | All reports are available at alfabank.ru (for Russian) and alfabank.ru/en/ (for English). |
can i get interest rate swaps for my business | Yes, Alfa-Bank offers interest-rate swaps as one of its derivative products. |
i need to send a book transfer on a holiday. is there a time limit | On weekends and holidays, book transfers must be submitted by 6pm Moscow time. |
Why choose Alfa-Bank for payments? | The bank’s widespread correspondent network ensures real-time cross-regional payments. |
cashback delay | Cashback is credited on the 10th of each month after meeting all requirements. |
What role does Bank of Russia have in debt servicing? | 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. |
Asset and liability side products? | Structured finance products from Alfa-Bank address both asset and liability side situations using hybrid strategies. |
How does the card function after ordering? | The card is issued immediately. You can transfer money in the app or pay online the same day. |
how to split a bill via Alfa app | 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. |
Debit vs credit card | 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. |
Can I change my PIN code? | Yes, you can independently set and update your PIN code in accordance with the Card Issuance Agreement. |
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