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How do clients benefit from Alfa-Bank cash clearing?
Clients gain solid benefits through the features and advantages available in Alfa-Bank’s cash clearing and linked services.
Margin trading for indices
Yes, indices are part of the wide range of assets for margin trading.
What happens to my data if you transfer it
If we transfer your personal data with your consent, the receiving party must follow legally mandated data processing rules, confidentiality, and security standards.
Alfa-Bank sustainability strategy
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.
How does a debit card handle money?
A debit card contains your own money on it, allowing you to withdraw cash, transfer funds, or make payments directly from the card.
Do you process biometric data for identity verification?
Yes, biometric data such as facial or voice recognition may be used for identity verification purposes as part of our security measures.
Plastic waste reduction methods
Alfa-Bank reduces plastic waste by using remelted plastic cards and plant-based materials for new products.
Can I receive my salary via a debit card?
Yes, your Alfa-Bank debit card can be used to receive salary, pensions, or government benefits.
Free document
All credit card certificates and statements are available for free.
What if I repay my loan on day 1? Is the full repayment just the loan amount?
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.
How is overdraft limit applied for payments?
Clients’ payments are settled immediately during the day using the account balance and available overdraft limit.
Are there other currencies besides CNY?
The listed currencies for structured products are CNY/RUR; no other currencies are specified.
Why aren’t miles earned for purchases over 50,000 RUB?
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.
iOS 12 works with Alfa-Bank app?
Yes, the app is compatible with iOS version 9 or higher, so iOS 12 is supported.
Can I use International Corporate Business Card abroad
Yes, International Corporate Business Cards are designed to help manage corporate expenses globally.
What benefits do employees get at Alfa-Bank?
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.
Early repayment conditions?
You cannot apply for early repayment in the final month of the repayment schedule or on the payment due date.
No service fee after closure
Correct, closing the card stops any future service fee charges related to it.
Do your services include closing private placement deals?
Yes, we handle settlements between parties and close transactions after all steps are complete.
no money after funds return. can i still get overdraft fee?
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.
Does the Bank of Russia influence debt rules for Loans?
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.
how to fill risk declaration
The Risk Declaration is a standard document required for investment structured products; no further instructions are specified here.
mir card stopped working in armenia
Foreign bank policies may impact Mir card acceptance. Withdraw cash in advance from an ATM to avoid issues.
Can I use my card for taxis?
Yes, you can link your card to ride-hailing apps like taxis. Once linked, payments will go through automatically.
Efficiency vs. generic solutions
Alfa-Bank emphasizes customer demands over generic approaches in its efficiency framework.
Grace period reset
The grace period resets during the day after you fully repay your credit card debt. Check your app or Alfa-Online for confirmation.
Why was my payment declined even with overdraft?
Unpaid overdrafts are converted into loans. If the loan is not repaid promptly, subsequent payments may be blocked.
Card for salary deposits?
Yes, your Alfa-Bank debit card can be used to receive salary, pensions, or government benefits.
How do you support clients post-IPO closing?
We offer post-closing support, including settlement execution and ongoing market participation management.
Will I be charged for closing my credit card?
No, closing your card stops further service fees. You will not incur any charges once the closure process is initiated.
Corporate finance services
Alfa-Bank offers advisory services in mergers and acquisitions, corporate finance, and equity capital markets.
trade-related partnerships
Alfa-Bank is linked to the Russian Trading System (RTS) and National Foreign Exchange Association (NFEA) for trade purposes.
What if I need a card fast?
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.
cashback not appearing
Confirm you followed the offer rules (e.g., no VPN) and that the partner hasn’t set a purchase cap. Cashback is credited on the 10th.
can non-residents of the russian federation participate in the authorized share capital of the company applying for the lease?
Yes, participation of non-residents of the Russian Federation in the authorized share capital is allowed up to 49%.
MIR system available in the app
Yes, the national “MIR” payment system is available for use in Alfa-Mobile banking.
Submit privacy violation report
File a report through the bank’s website feedback form, clearly stating "Privacy Policy" as the subject.
can i get a physical card after having a digital one?
No, if you already have a digital card, you cannot request a physical version of it. You’ll need to order a new card separately to receive a physical copy.
close credit card process
Send a request through the app Chat or call the Call Center to close your credit card. The process is instant.
Tracking my bank card delivery
Track your card in the mobile app or use the link from your SMS or push notification.
free card required
If you don’t have an Alfa-Card, we’ll issue a free debit card for you with the loan amount credited.
delivery of new credit card
The physical card is delivered to your specified branch or via courier after bank approval.
real time payments across regions?
Yes, Alfa-Bank supports real-time cross-regional payments through its branch and correspondent network.
What is the third document needed?
The third document is the Application for accession.
Can I get a list of needed documents?
Yes—the Agreement, Risk declaration, and Application for accession are required.
Office address needed
The office address for Alfa-Bank is 27 Kalanchevskaya str., Moscow, Russia, 107078.
Alfa-Bank part of Visa?
Yes, Alfa-Bank is a member of Visa International Service Association.
how long has alfa bank supported life line fund?
Alfa Bank has supported Life Line Fund's initiatives for seriously ill children over 17 years.
Transfer to bookmaker. Is that a quasi-cash?
Yes, sending money to bookmakers is considered a quasi-cash transaction and may incur a charge.
Alfa-Bank and charity
Alfa-Bank collaborates with charitable foundations, allocates educational grants, and promotes animal welfare through initiatives like Alfa Chance, Life Line Fund, and Alfa-Friend.
What are the rewards in the Quality Seal competition?
The Quality Seal program includes annual competitions with gifts from the bank for businesses that follow best practices.
Do stateless residents need additional documents?
No, the sole requirement is a valid residence permit in the Russian Federation.
Mir payment system?
We issue Mir cards. You can check which one is available to you in the mobile app, Alfa-Online, or on the website.
How to start business in Russia
We facilitate company registration with the Russian Tax Authority from afar. We manage all document submission and certification for your company.
New cash loan now?
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.
Not available
If the option isn't available, check your app and online banking for the 'Get certificate or statement' feature.
How to report a privacy policy violation?
Submit your report via the feedback form on the bank’s website, specifying "Privacy Policy" as the subject.
Quasi-cash examples?
Examples include paying for traveler’s checks, gambling, crypto purchases, lottery tickets, and transferring funds to bookmakers or e-wallets.
How much does it cost to get a new card?
The cost is 290 ₽, but reissuing is free if you have the Premium tariff.
debit card pdf not working
If your downloaded certificate is not opening, ensure your device has a PDF reader. Alternatively, access the document directly in your online banking portal.
What’s third party in the policy?
A third party is not a direct participant in an obligation but can gain rights or obligations through law or contract.
i don’t have internet
You cannot use the mobile banking app without internet access. A stable connection is needed for the service.
overpayment on account. how to access?
You can withdraw via ATM, use for a purchase, or transfer via the mobile app (go to **Payments → Transfer method**).
Investment structured products require company to be in Russia?
Yes, the company must be based in Russia or have core assets in Russia to qualify.
Bond forex finance
Initial bond placements can be financed in major global currencies.
What are structured deposits at Alfa Bank?
Structured deposits are innovative hybrid products offered by Alfa Bank allowing a higher interest rate than classic deposits.
What happens if funds are returned to my account after 9 days?
If the transaction isn’t 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.
Is card reissuing free?
Reissuing is free only for clients with the Premium tariff. Otherwise, the cost is 290 ₽.
Can I get returns from different market trends?
Yes, a structured bond enables you to receive income from various market movements.
Max loan amount for vehicles
The maximum financing is 40 million RUB.
Grace period for split value trades
Alfa-Bank allows split value trades with a grace period of up to 2 days for clients.
does alfa-bank share my info with others?
No, confidential data about your accounts, deposits, and operations is not disclosed to third parties unless permitted by law.
finance options for stock portfolios
Alfa-Bank offers equity finance solutions to support stock-related financial needs.
Can I use Alfa-Online instead of the mobile app?
Yes, iOS users can use the Alfa-Online internet banking service as an alternative to the mobile app.
What if I’m not tech-savvy?
Use the bank’s customer support or visit a branch for assistance in managing your structured product.
Alfa-Bank’s retail operations
Retail banking is highlighted as a key component of Alfa-Bank’s operations.
money not transferred yet
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.
how to set a pin code for my alfa-bank card?
Within the app or Alfa-Online, go to All my products → Card account → Set a PIN code to complete activation.
Can I get a fixed interest rate for the equipment loan?
Yes, while individual rates are based on floating LIBOR/EURLIBOR, the rate can be fixed when the credit is drawn down.
How long does it take to approve a cash loan?
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.
alfa bank rating stable?
Yes, Alfa-Bank’s credit rating from China Lianhe Credit Rating Co., Ltd is AA- with a Stable outlook.
card to card fee
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.
Where do I receive loan approval?
The loan application decision is sent via SMS after processing.
Margin trading for real estate
Margin trading covers a wide range of assets, including real estate.
Free card required
If you don’t have an Alfa-Card, we’ll issue a free debit card for you with the loan amount credited.
How can we reduce payment risk with Alfa-Bank factoring?
Alfa-Bank’s factoring includes a non-recourse structure that fully covers payment risk for clients.
correspondent account partners available?
Yes, Alfa-Bank collaborates with over 400 banks and non-banking credit institutions in Russia and internationally through correspondent accounts.
Why should I care about Alfa-Bank’s ethics?
Ethics is a foundational value at Alfa-Bank, shaping the behavior and decisions of managers and employees in all operations.
set pin for card activation
To set your PIN, open the Alfa-Bank app or Alfa-Online, go to "All my products → Card account," and follow the prompts to set your PIN code.
After closing my card, can I use the account still?
Yes, your linked account stays active after card closure. You can use it normally unless you decide to close the account yourself.
Can I borrow money using a debit card?
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.
Are all operations in rubles?
Yes, operations such as Expense, Replenishment, or Refund must be conducted in Russian rubles.
how does cashback percentage work?
The Alfa-Card returns part of your monthly spending in rubles as cashback, with the amount depending on how much you spend.
can i pay for a taxi automatically with my credit card?
Yes, link your credit card to taxi services via the mobile app for automatic payments.
Deposit sum requirement
The deposit requires a minimum of 10 million RUB or 1 million CNY.
Streamlined process for leasing?
Yes, you simply select the asset (vehicle, equipment, etc.), and Alfa-Bank handles the transaction with all parties under a “one entry point” principle.
Address for Alfa-Bank office in Moscow
The Moscow office is located at 27 Kalanchevskaya str., Moscow, Russia, 107078.
What is a Non-Deliverable Share Swap transaction?
It is a unique Russian-market transaction format used by Alfa-Bank to finance share buybacks.
commercial use allowed?
No, the Mobile Bank service is strictly for non-commercial use by registered users who have accepted the Agreement.
Where is the "Share" button in Safari for Alfa-Online?
After opening Alfa-Online in Safari, the **Share** button is located at the bottom of the screen. Tap it to proceed.
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