mllab/smiles-2025 · Datasets at Hugging Face

query stringlengths 6 126	response stringlengths 15 719
How to order a card if I already have an account?	If you have an existing Alfa-Bank account, you can order a card through the mobile app by going to "All My Products → New Account or Product."
Can homeowners’ association be a TSP merchant?	No, homeowners’ associations are excluded from being listed as Merchant (TSP) per the definition.
litigation check	The application is rejected if there are any ongoing litigations at the time of application.
Can I get credit derivatives for my supply chain risks?	Yes, credit derivatives are available to mitigate supply chain credit risks, allowing businesses to protect against counterparty defaults.
when is my cashback credited?	Cashback for regular purchases is credited on the 10th of the following month—for example, September purchases will be credited on October 10.
When is the quasi-cash fee waived?	The fee is waived for purchases under 500 ₽, transactions at Stoloto or exchange brokers, and if you’re using eligible service packages like Maximum Ultra or Premium.
What cards are available for corporate expenses	International Corporate Business Cards are designed specifically for managing corporate expenses.
services not allowed to be paid via mobile banking?	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.
what happens if i don’t pay overdraft till day end	Unpaid balances will be converted into an overnight loan at a benchmark-based rate.
can you list the legal and financial institutions alfa-bank collaborates with?	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.
How does Russian legislation govern my debt for Loans?	Russian legislation regulates your debt servicing through Executive Orders of the President, Bank of Russia decisions, and Bank of Russia’s official interpretations.
what are the cut-off times for sending payments	Outgoing electronic payments must be submitted by 5pm Moscow time.
What laws govern refunds and limit increases?	Refund Operations and corresponding limit increases are governed by Russian legislation and agreements between you and the Merchant.
Overdraft facility costs?	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.
My merchant says MIR not accepted	If a merchant doesn’t accept MIR, try using MasterCard or Visa, which are internationally recognized.
equity finance solutions	Alfa-Bank offers equity finance solutions as part of its equity-related services.
where is alfa-bank headquartered?	Alfa-Bank is headquartered at 27 Kalanchyovskaya Street, Moscow.
Can I use a VPN for partner deals?	It’s recommended to disable your VPN, as it may block some offers from working properly.
Can I earn more with indexed deposits compared to regular savings?	Yes, indexed deposits offer higher interest income potential than classic deposits if there’s an expected change in the underlying asset.
I represent a financial institution. Are your products available to us?	Yes, financial institutions are eligible to work with our investment structured products.
how long does an overdraft fee take to apply?	The overdraft fee is charged 30 days after the debt appears in your account.
I’m in Dushanbe need cash	In Dushanbe, Tajikistan, you can withdraw cash at banks in the Express Pay payment system.
structured deposits corporate clients	Structured deposits are part of Alfa Bank’s innovative hybrid products, specifically targeted to corporate clients.
Research reports for IPO marketing?	We create research reports and pre-marketing materials to support investor communication during IPO/SPO.
Activation not working	To activate your debit card, access "All my products" → "Card account" → "Set PIN code" in the Alfa-Bank app or Alfa-Online.
Debt on account before closing	If there’s a debt, it must be repaid before the account is closed.
How does the bank help the community?	According to our strategy, we help society by adhering to effective ESG management principles, which involve direct efforts to support and benefit the community.
I can’t find my free cash withdrawal limit. Where do I look?	Check the Credit card → Tariffs section in the Alfa-Bank mobile app or Alfa-Online to see if your card includes the free cash withdrawal feature.
My privacy is important can you confirm safeguards	Yes, when sharing your data, third parties must comply with legal principles for data processing, confidentiality, and security, as required by contract.
what if i lose my 2-ndfl certificate?	For loans over 300,000 ₽ without an Alfa-Bank salary card, you can substitute the 2-NDFL certificate with a certificate in the bank's format.
What causes the repayment sum to be more than the cash loan?	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.
Can I activate my card without visiting a bank?	Yes, you can activate it using the mobile app or Alfa-Online via All my products → Card account → Set a PIN code.
do quasi-cash transactions have fees?	Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers.
bond fx placements support	We finance clients during initial bond placements in global currencies.
How does the additional interest rate work?	The additional interest rate depends on the performance of the underlying asset you select, such as a currency, commodity, index, or stock.
Where to find Alfa-Bank ESG policies?	You can read Alfa-Bank’s ESG policies in our official social and ESG reports.
Residence permit for stateless persons accepted?	Yes, a residence permit serves as an accepted identity document for stateless persons.
why did alfa-bank apply to ofsi and ofac?	Alfa-Bank applied to OFSI and OFAC for licenses that would allow processing payments under the Loans and LPNs.
liquidity support solutions from Alfa-Bank?	Alfa-Bank offers a set of liquidity support solutions for customers.
apply for cash loan again right away?	Yes, there’s no waiting period. You can submit a new cash loan application as soon as the current one is issued.
Is 2-NDFL always mandatory?	No, for loans up to 300,000 ₽ without an Alfa-Bank salary card, only a Russian passport is required. For larger loans, the 2-NDFL certificate (or its equivalent) is mandatory.
Mir Pay abroad supported countries	Mir Pay works in Armenia, Kyrgyzstan, and Kazakhstan at banks that accept the plastic Mir card.
I found an ATM labeled Ural Bank—will it charge me?	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.
advisory for m&a process	Alfa-Bank offers advisory services to assist with the M&A process, including strategic planning and execution.
How do I activate my Alfa-Bank card through the app?	You can activate your card in the mobile app by navigating to All my products → Card account → Set a PIN code.
Are there options to customize payment schedules for leasing?	Yes, Alfa-Bank offers flexible payment schedules tailored to your business requirements.
alfa-bank esg policies	Alfa-Bank’s approach to sustainable development and ESG initiatives is described in our ESG policies and reports, which address environmental, social, and managerial issues.
Are employee family members’ data also collected?	Yes, the bank processes personal data of close relatives or family members of employees.
Internet not working on app	Ensure your device has internet connectivity. The internet is a requirement for the app to function.
Are there secured cash loan options?	No, a cash loan is always unsecured.
Free app warning during install	If you encounter a warning about an untrusted source, the app is safe. Tap Download anyway → Allow installation to confirm and complete the process.
Fast account opening	You can open an account with a small set of documents needed.
What’s the purpose of the One-Time Password according to Alfa-Bank?	It ensures secure verification for specific transactions within the Mobile Bank application.
what types of leasing products does alfa-bank offer for corporate clients?	Alfa-Bank offers leasing for vehicles, real estate, leaseback, and refinancing of existing leasing portfolios for large and medium corporate clients.
Send 150k via FPS cost	Transferring 150,000 ₽ via FPS would cost 0.5% (750 ₽), as it exceeds the 100,000 ₽/month free limit.
is there a fee for getting a new card?	Yes, the cost is 290 ₽. However, reissuing is free if you have the Premium tariff.
Discount on equity trades	Qualified investors receive a 50% discount on the standard fee of 0.03% per transaction, with a minimum of 50 RUB.
can i get a loan without 2-ndfl if my salary isn’t in alfa-bank?	Yes, but only if the loan is up to 300,000 ₽. For loans over 300,000 ₽, you must submit a 2-NDFL certificate or bank-formatted certificate.
Which payment systems do you issue debit cards from?	We issue Mir cards. You can check which one is available to you in the mobile app, Alfa-Online, or on the website.
How do you ensure physical data security?	We track all physical media containing personal data and apply technical measures to protect them during processing.
How to assess my ability to repay a loan	Weigh the pros and cons of the loan, and objectively evaluate your capacity to repay it on time.
Need help with Russian activity issues	Alfa-Bank offers full assistance with any issues associated with your activities in Russia, in addition to basic access.
What is available	You can obtain a certificate of available balance, credit presence, account statement, or credit statement.
Application approval time	Application approval is completed within 4 days.
What is Alfa Bond Issuance plc’s role in the LPNs?	Alfa Bond Issuance plc is responsible for issuing the Loan Participation Notes, but the programme has limited recourse to them.
Need to verify my card for a third party	Request a certificate via the mobile app (Card account → Certificates and statements)—it includes a signature and blue seal for verification.
can foreign citizens open an account without providing documents?	No, foreign citizens are required to present a list of documents when applying for banking services.
Grace period available?	Yes, ECA-covered financing includes a grace period.
payment date after rescheduling	After changing the date, check the app for the new payment schedule and updated monthly payment amount.
Maximum Ultra Free client	As a Maximum Ultra Free package holder, you’re exempt from quasi-cash commission fees.
Retail sector in Alfa-Bank strategy	The retail business plays a vital role in Alfa-Bank’s operational focus.
why must lpn payments go through russian depositories?	To comply with Russian legislation, Alfa-Bank routes LPN payments through Russian depositories for noteholders whose rights are tracked in the Russian clearing system.
cashback missing because cart had old items	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.
stop transferring my data to other countries	You can request to stop transferring your personal data, which you had previously allowed.
Insurance for card theft	Card Protection covers theft and unauthorized cash withdrawals after ATM use or loss. Pricing varies based on coverage—see the Showcase in the app.
What foreign currencies can be traded	Alfa-Bank offers derivatives in CNY/RUB, CIS Currencies, USD/RUB, EUR/RUB, EUR/USD, and all major currencies.
What happened to Alfa-Bank’s credit standing?	On September 23, 2024, ACRA reaffirmed Alfa-Bank’s rating at AA+(RU) and revised the outlook to Positive, showing confidence in its stability.
Install on Xiaomi device	Xiaomi users can download the app from the Xiaomi Market or other official stores like Galaxy Store, GetApps, etc.
What payments might I have to make besides the loan and interest?	Additional payments may include fees for reviewing loan documents, account maintenance, transferring funds, insurance, collateral agreements, or third-party services.
Are there any first-in-Russia financial programs led by Alfa-Bank?	Yes, Alfa-Bank launched the first Diversified Payments Rights securitisation program in Russia.
Contact number Alfa-Bank Russia	The contact number for Alfa-Bank in Russia is +7 (495) 620-91-91.
Margin trading forex forex	Margin trading allows forex trading with leveraged positions.
Will Alfa-Bank meet its debt obligations?	Alfa-Bank, as a responsible borrower, is committed to fulfilling its payment obligations when it becomes technically and legally possible.
How long does it take to receive the certificate?	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.
When does the grace period start?	The grace period starts from the date of the qualifying transaction.
what’s the main purpose of structured bonds?	The main purposes are increasing investment returns in a convenient format, earning from market movements, and diversifying portfolios.
How to lock credit card quickly?	Within the app, tap "All my products" → "Card" → "Freeze card" to lock it immediately.
How can you help with IPO preparation?	We assist clients with the offering preparation process, including advising on capital structure, corporate governance, equity positioning, and business valuation for the transaction.
Alfa Fixed Income services	Alfa Bank’s 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.
Why no cashback on returned purchases?	Purchases that were later returned do not earn cashback.
what’s the minimum sum for equipment import financing?	The minimum sum for ECA-covered financing of equipment imports is $1,000,000.
How leasing works for equipment?	Choose the leased asset (e.g., vehicle or equipment), and Alfa-Bank handles the deal with all parties under the “one entry point” principle.
i need a balance certificate	You can get a certificate of available balance in the mobile app or Alfa-Online.
Need e-docs for factoring	Electronic documents and e-signatures are required to access the online factoring service.
Margin trading available for forex?	Margin trading is available for a wide range of underlying assets, including forex.
Is overdraft charged immediately?	No, the overdraft fee is applied 30 days after the debt is created.
Payments in EUR same day?	Yes, EUR payments are executed same-day value.
Apply for cash loan again right away?	Yes, there’s no waiting period. You can submit a new cash loan application as soon as the current one is issued.
How to choose underlying asset for investment	You can choose the underlying asset from the options of currency, commodity, index, or stock.
Does the online statement require physical submission?	No, the PDF certificate from the app or online banking has full legal validity and doesn’t require a printed version.

How to order a card if I already have an account?

If you have an existing Alfa-Bank account, you can order a card through the mobile app by going to "All My Products → New Account or Product."

Can homeowners’ association be a TSP merchant?

No, homeowners’ associations are excluded from being listed as Merchant (TSP) per the definition.

litigation check

The application is rejected if there are any ongoing litigations at the time of application.

Can I get credit derivatives for my supply chain risks?

Yes, credit derivatives are available to mitigate supply chain credit risks, allowing businesses to protect against counterparty defaults.

when is my cashback credited?

Cashback for regular purchases is credited on the 10th of the following month—for example, September purchases will be credited on October 10.

When is the quasi-cash fee waived?

The fee is waived for purchases under 500 ₽, transactions at Stoloto or exchange brokers, and if you’re using eligible service packages like Maximum Ultra or Premium.

What cards are available for corporate expenses

International Corporate Business Cards are designed specifically for managing corporate expenses.

services not allowed to be paid via mobile banking?

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.

what happens if i don’t pay overdraft till day end

Unpaid balances will be converted into an overnight loan at a benchmark-based rate.

can you list the legal and financial institutions alfa-bank collaborates with?

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.

How does Russian legislation govern my debt for Loans?

Russian legislation regulates your debt servicing through Executive Orders of the President, Bank of Russia decisions, and Bank of Russia’s official interpretations.

what are the cut-off times for sending payments

Outgoing electronic payments must be submitted by 5pm Moscow time.

What laws govern refunds and limit increases?

Refund Operations and corresponding limit increases are governed by Russian legislation and agreements between you and the Merchant.

Overdraft facility costs?

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.

My merchant says MIR not accepted

If a merchant doesn’t accept MIR, try using MasterCard or Visa, which are internationally recognized.

equity finance solutions

Alfa-Bank offers equity finance solutions as part of its equity-related services.

where is alfa-bank headquartered?

Alfa-Bank is headquartered at 27 Kalanchyovskaya Street, Moscow.

Can I use a VPN for partner deals?

It’s recommended to disable your VPN, as it may block some offers from working properly.

Can I earn more with indexed deposits compared to regular savings?

Yes, indexed deposits offer higher interest income potential than classic deposits if there’s an expected change in the underlying asset.

I represent a financial institution. Are your products available to us?

Yes, financial institutions are eligible to work with our investment structured products.

how long does an overdraft fee take to apply?

The overdraft fee is charged 30 days after the debt appears in your account.

I’m in Dushanbe need cash

In Dushanbe, Tajikistan, you can withdraw cash at banks in the Express Pay payment system.

structured deposits corporate clients

Structured deposits are part of Alfa Bank’s innovative hybrid products, specifically targeted to corporate clients.

Research reports for IPO marketing?

We create research reports and pre-marketing materials to support investor communication during IPO/SPO.

Activation not working

To activate your debit card, access "All my products" → "Card account" → "Set PIN code" in the Alfa-Bank app or Alfa-Online.

Debt on account before closing

If there’s a debt, it must be repaid before the account is closed.

How does the bank help the community?

According to our strategy, we help society by adhering to effective ESG management principles, which involve direct efforts to support and benefit the community.

I can’t find my free cash withdrawal limit. Where do I look?

Check the Credit card → Tariffs section in the Alfa-Bank mobile app or Alfa-Online to see if your card includes the free cash withdrawal feature.

My privacy is important can you confirm safeguards

Yes, when sharing your data, third parties must comply with legal principles for data processing, confidentiality, and security, as required by contract.

what if i lose my 2-ndfl certificate?

For loans over 300,000 ₽ without an Alfa-Bank salary card, you can substitute the 2-NDFL certificate with a certificate in the bank's format.

What causes the repayment sum to be more than the cash loan?

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.

Can I activate my card without visiting a bank?

Yes, you can activate it using the mobile app or Alfa-Online via All my products → Card account → Set a PIN code.

do quasi-cash transactions have fees?

Yes, a commission may be charged for quasi-cash transactions like cryptocurrency purchases or transfers to bookmakers.

bond fx placements support

We finance clients during initial bond placements in global currencies.

How does the additional interest rate work?

The additional interest rate depends on the performance of the underlying asset you select, such as a currency, commodity, index, or stock.

Where to find Alfa-Bank ESG policies?

You can read Alfa-Bank’s ESG policies in our official social and ESG reports.

Residence permit for stateless persons accepted?

Yes, a residence permit serves as an accepted identity document for stateless persons.

why did alfa-bank apply to ofsi and ofac?

Alfa-Bank applied to OFSI and OFAC for licenses that would allow processing payments under the Loans and LPNs.

liquidity support solutions from Alfa-Bank?

Alfa-Bank offers a set of liquidity support solutions for customers.

apply for cash loan again right away?

Yes, there’s no waiting period. You can submit a new cash loan application as soon as the current one is issued.

Is 2-NDFL always mandatory?

No, for loans up to 300,000 ₽ without an Alfa-Bank salary card, only a Russian passport is required. For larger loans, the 2-NDFL certificate (or its equivalent) is mandatory.

Mir Pay abroad supported countries

Mir Pay works in Armenia, Kyrgyzstan, and Kazakhstan at banks that accept the plastic Mir card.

I found an ATM labeled Ural Bank—will it charge me?

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.

advisory for m&a process

Alfa-Bank offers advisory services to assist with the M&A process, including strategic planning and execution.

How do I activate my Alfa-Bank card through the app?

You can activate your card in the mobile app by navigating to All my products → Card account → Set a PIN code.

Are there options to customize payment schedules for leasing?

Yes, Alfa-Bank offers flexible payment schedules tailored to your business requirements.

alfa-bank esg policies

Alfa-Bank’s approach to sustainable development and ESG initiatives is described in our ESG policies and reports, which address environmental, social, and managerial issues.

Are employee family members’ data also collected?

Yes, the bank processes personal data of close relatives or family members of employees.

Internet not working on app

Ensure your device has internet connectivity. The internet is a requirement for the app to function.

Are there secured cash loan options?

No, a cash loan is always unsecured.

Free app warning during install

If you encounter a warning about an untrusted source, the app is safe. Tap **Download anyway → Allow installation** to confirm and complete the process.

Fast account opening

You can open an account with a small set of documents needed.

What’s the purpose of the One-Time Password according to Alfa-Bank?

It ensures secure verification for specific transactions within the Mobile Bank application.

what types of leasing products does alfa-bank offer for corporate clients?

Alfa-Bank offers leasing for vehicles, real estate, leaseback, and refinancing of existing leasing portfolios for large and medium corporate clients.

Send 150k via FPS cost

Transferring 150,000 ₽ via FPS would cost 0.5% (750 ₽), as it exceeds the 100,000 ₽/month free limit.

is there a fee for getting a new card?

Yes, the cost is 290 ₽. However, reissuing is free if you have the Premium tariff.

Discount on equity trades

Qualified investors receive a 50% discount on the standard fee of 0.03% per transaction, with a minimum of 50 RUB.

can i get a loan without 2-ndfl if my salary isn’t in alfa-bank?

Yes, but only if the loan is up to 300,000 ₽. For loans over 300,000 ₽, you must submit a 2-NDFL certificate or bank-formatted certificate.

Which payment systems do you issue debit cards from?

We issue Mir cards. You can check which one is available to you in the mobile app, Alfa-Online, or on the website.

How do you ensure physical data security?

We track all physical media containing personal data and apply technical measures to protect them during processing.

How to assess my ability to repay a loan

Weigh the pros and cons of the loan, and objectively evaluate your capacity to repay it on time.

Need help with Russian activity issues

Alfa-Bank offers full assistance with any issues associated with your activities in Russia, in addition to basic access.

What is available

You can obtain a certificate of available balance, credit presence, account statement, or credit statement.

Application approval time

Application approval is completed within 4 days.

What is Alfa Bond Issuance plc’s role in the LPNs?

Alfa Bond Issuance plc is responsible for issuing the Loan Participation Notes, but the programme has limited recourse to them.

Need to verify my card for a third party

Request a certificate via the mobile app (Card account → Certificates and statements)—it includes a signature and blue seal for verification.

can foreign citizens open an account without providing documents?

No, foreign citizens are required to present a list of documents when applying for banking services.

Grace period available?

Yes, ECA-covered financing includes a grace period.

payment date after rescheduling

After changing the date, check the app for the new payment schedule and updated monthly payment amount.

Maximum Ultra Free client

As a Maximum Ultra Free package holder, you’re exempt from quasi-cash commission fees.

Retail sector in Alfa-Bank strategy

The retail business plays a vital role in Alfa-Bank’s operational focus.

why must lpn payments go through russian depositories?

To comply with Russian legislation, Alfa-Bank routes LPN payments through Russian depositories for noteholders whose rights are tracked in the Russian clearing system.

cashback missing because cart had old items

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.

stop transferring my data to other countries

You can request to stop transferring your personal data, which you had previously allowed.

Insurance for card theft

Card Protection covers theft and unauthorized cash withdrawals after ATM use or loss. Pricing varies based on coverage—see the Showcase in the app.

What foreign currencies can be traded

Alfa-Bank offers derivatives in CNY/RUB, CIS Currencies, USD/RUB, EUR/RUB, EUR/USD, and all major currencies.

What happened to Alfa-Bank’s credit standing?

On September 23, 2024, ACRA reaffirmed Alfa-Bank’s rating at AA+(RU) and revised the outlook to Positive, showing confidence in its stability.

Install on Xiaomi device

Xiaomi users can download the app from the Xiaomi Market or other official stores like Galaxy Store, GetApps, etc.

What payments might I have to make besides the loan and interest?

Additional payments may include fees for reviewing loan documents, account maintenance, transferring funds, insurance, collateral agreements, or third-party services.

Are there any first-in-Russia financial programs led by Alfa-Bank?

Yes, Alfa-Bank launched the first Diversified Payments Rights securitisation program in Russia.

Contact number Alfa-Bank Russia

The contact number for Alfa-Bank in Russia is +7 (495) 620-91-91.

Margin trading forex forex

Margin trading allows forex trading with leveraged positions.

Will Alfa-Bank meet its debt obligations?

Alfa-Bank, as a responsible borrower, is committed to fulfilling its payment obligations when it becomes technically and legally possible.

How long does it take to receive the certificate?

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.

When does the grace period start?

The grace period starts from the date of the qualifying transaction.

what’s the main purpose of structured bonds?

The main purposes are increasing investment returns in a convenient format, earning from market movements, and diversifying portfolios.

How to lock credit card quickly?

Within the app, tap "All my products" → "Card" → "Freeze card" to lock it immediately.

How can you help with IPO preparation?

We assist clients with the offering preparation process, including advising on capital structure, corporate governance, equity positioning, and business valuation for the transaction.

Alfa Fixed Income services

Alfa Bank’s 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.

Why no cashback on returned purchases?

Purchases that were later returned do not earn cashback.

what’s the minimum sum for equipment import financing?

The minimum sum for ECA-covered financing of equipment imports is $1,000,000.

How leasing works for equipment?

Choose the leased asset (e.g., vehicle or equipment), and Alfa-Bank handles the deal with all parties under the “one entry point” principle.

i need a balance certificate

You can get a certificate of available balance in the mobile app or Alfa-Online.

Need e-docs for factoring

Electronic documents and e-signatures are required to access the online factoring service.

Margin trading available for forex?

Margin trading is available for a wide range of underlying assets, including forex.

Is overdraft charged immediately?

No, the overdraft fee is applied 30 days after the debt is created.

Payments in EUR same day?

Yes, EUR payments are executed same-day value.

Apply for cash loan again right away?

Yes, there’s no waiting period. You can submit a new cash loan application as soon as the current one is issued.

How to choose underlying asset for investment

You can choose the underlying asset from the options of currency, commodity, index, or stock.

Does the online statement require physical submission?

No, the PDF certificate from the app or online banking has full legal validity and doesn’t require a printed version.