mllab/smiles-2025 · Datasets at Hugging Face

query stringlengths 6 126	response stringlengths 15 719
no free withdrawal feature on my card	If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission as specified in your tariff.
Margin trading forex and stocks	Margin trading includes forex, stocks, and other underlying assets.
where is the cny correspondent bank located?	The correspondent bank for Chinese Yuan (CNY) is BANK OF CHINA (RUSSIA), located at Pr-t Mira 72, Moscow, 129110.
equity trading fees for qualified clients?	Qualified investors get a 50% discount on the standard 0.03% fee per transaction, with a minimum of 50 RUB.
why is my total repayment amount higher than the original cash loan?	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.
is the privacy policy aligned with the bank’s governance rules?	Yes, the policy is approved under the authority specified in the bank’s charter.
I want to send money using my credit card	Use the mobile app or Alfa-Online, select “Payments,” and enter the recipient’s phone number or card number to initiate the transfer.
How does Alfa-Bank help with investment decisions?	Alfa-Bank offers independent research with strong regional and industry expertise to assist institutional managers in their decision-making.
where do i set my card pin?	To set your PIN code, open the Alfa-Bank app or Alfa-Online, go to "All my products → Card account," and follow the instructions to set your PIN.
International trade financing options	Alfa-Bank offers trade finance credit lines, FOREIGN exchange (FOREX) transactions, and forward/cash deals to support corporate international trade activities.
Is the National Foreign Exchange Association listed among Alfa-Bank’s memberships?	Yes, Alfa-Bank is affiliated with the National Foreign Exchange Association.
data security compliance with law?	Our security measures strictly comply with Russian legislation regarding personal data protection, including organizational and technical safeguards.
Found my card after blocking	Unblock your card via the app or Alfa-Online to reuse it.
No citizenship but living in Russia	You can legally reside permanently in Russia by obtaining a residence permit.
Structured finance for private investors	Alfa-Bank creates structured investment products specifically for private investors through its dedicated structured finance factory.
Structured products use equity baskets?	Yes, baskets of equities are part of the underlying assets for structured products.
What legal basis do you have for processing my data?	We process your data only with your consent unless otherwise required by law. We adhere to confidentiality and legal obligations in handling your data.
Access business banking online	Use Alfa Business Online to access your account remotely via any PC.
Fee for overdraft?	The overdraft fee is 20% of the overdraft amount, charged 30 days after it occurs.
Is overdraft interest higher than standard loans?	Interest rates for overnight conversions are based on the benchmark rate, which may vary.
Russian clearing system for LPN payments	Alfa-Bank requires LPN noteholders to have their rights registered in the Russian clearing system for payments in rubles through Russian depositories, per legislation.
Need help with EUR payment today	EUR payments executed same-day value.
can i get returns from different market trends?	Yes, a structured bond enables you to receive income from various market movements.
credit card order via app not working	Ensure you have an existing Alfa-Bank account. If logged in, navigate to "All my products → New account or product" in the app or Alfa-Online to proceed. If issues persist, apply directly on the website.
Can I open a foreign currency account with Alfa-Bank?	Yes, you can open accounts in RUB and other currencies.
Bond fx support options	Initial bond placements can be financed in major currencies.
Alfa-Bank part of RTS	Alfa-Bank is associated with the Russian Trading System (RTS) as a non-profit partnership member.
I use Maximum Ultra. Will I have fees for quasi-cash?	No, the Maximum Ultra package excludes you from quasi-cash fees under the listed conditions.
Can I get expert opinions on foreign exchange?	Yes, Alfa-Bank delivers expert opinions on foreign exchange, commodities, credit, and interest rates.
help with m&a strategy	Our advisory services include developing strategy and tactics for transactions involving divestures, acquisitions, and mergers.
Debit card certificate generation	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.
city not supported for cashback	Some offers are only valid in specific cities. If your location isn’t included, cashback won’t apply.
Margin trading forex and bonds	Margin trading covers forex and can include bonds.
Pay bills online?	Your debit card can be used to pay utility bills, internet fees, or mobile balance online.
Loan agreement unclear	Ask bank employees for explanations. If unresolved, consider postponing the decision and report to the Bank of Russia.
can you automatically make decisions about my data without human review?	No, we avoid relying solely on automatic processing for decisions affecting your rights or legal consequences unless required by law.
application for accession not found	The Application for Accession is part of the mandatory documents for investment structured products and deposits.
Government-prohibited services example?	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.
Need existing account to order credit card via app?	Yes, ordering a credit card through the app or Alfa-Online requires that you already have an existing account with Alfa-Bank.
Quasi-cash fee for online purchase	Fees apply if the merchant’s MCC code identifies it as quasi-cash and no exemptions apply.
fee-free atm list	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.
How much is the penalty for delaying a cash loan payment?	The penalty is 0.1% of the overdue amount per day.
Monthly SMS notification cost	99 ₽ per month.
Differences between Alfa Business Online and Alfa Business Mobile	Alfa Business Online is for PC-based access, while Alfa Business Mobile is for managing your account via smartphone or tablet.
Does the Outperformance certificate protect invested capital?	No, the Outperformance certificate does not protect invested capital as it carries a risk of capital loss.
What documents do I need for structured investment products?	You need the Agreement, Risk Declaration, and Application for Accession.
Is Gazprombank part of no-fee ATM network?	Yes, Gazprombank is a partner bank for fee-free ATM reloads with Alfa-Bank. Check their ATMs for balance or refills.
Can I get cashback if I clear cart again?	Yes—before purchasing, you must clear your cart and add items again by clicking "Go to shopping" to ensure cashback eligibility.
I used my card for a courier service. Cashback lost?	Yes, purchases in categories like courier services (MCC 4215) or air/ground delivery do not earn cashback.
sexual orientation data	Alfa-Bank does not collect or process personal data on sexual life.
Structured bonds with capital at risk	An example is the Outperformance certificate, which offers income through participation with leverage but risks losing part or all of the capital.
Can I use SBP to send money to other banks	Yes SBP transfers work to any Russian bank card via phone number as described.
What Russian laws apply to debt under Loans and LPNs?	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.
What if I don’t decide on an underlying asset?	You must select the underlying asset when opening the structured product, as it is a required parameter for the investment.
Want to process online payments without changing my website	Acquiring and E-commerce solutions both allow online payments acceptance for goods and services without website fine-tuning.
No fee for ATM withdrawals?	Correct, cash withdrawals at ATMs are free. Fees only apply to cash withdrawals at cashiers.
Max amount for cashback premium card	The maximum transaction for cashback with a premium card is 500,000 rubles.
card closure and account	When you close your card, the associated account stays active. You can use it independently, link a new card, or close the account separately.
I found my blocked card, can I use it again?	Yes, unblock your card through the app or Alfa-Online and use it again.
Need financing for new bond	We support clients with financing at initial bond placements.
Statement not received	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.
what happens if my lpn rights aren’t recorded in the russian clearing system?	Alfa-Bank cannot process your LPN payments in rubles unless your rights are registered via Russian depositories in the Russian clearing system.
how to withdraw cash using a debit card?	You can withdraw cash from ATMs using your Alfa-Bank debit card.
does Alfa-Bank handle residence addresses	Yes, residence addresses are part of the General personal data processed by Alfa-Bank.
who offers the best hybrid products?	Alfa Bank is a market leader in innovative hybrid products for corporate clients.
what’s the benefit of fsc-certified materials in eco-envelopes?	FSC-certified materials in eco-envelopes ensure the use of sustainably sourced resources promoted by the international environmental association FSC.
Who is Alfa-Bank’s structured finance suitable for?	Their structured finance products cater to institutional and private investors, with solutions tailored to individual financial needs.
my account has a debt what to do	If there’s a debt on the account, you must repay it before the account can be closed.
my business uses multiple currencies. any solution?	Yes, the Deal Currency Deposit is ideal for managing multi-currency balances, allowing you to hedge market risks and optimize currency conversions.
Do you process special data without my consent?	Special categories like health or criminal records are processed only when legally mandated or permitted, not on a standard basis.
Bonds for different markets	Structured bonds allow you to receive income from various market movements through a single investment tool.
Do you have any recent awards for your services?	Yes, we are recognized as the best bank in Russia by Euromoney magazine and the best bank for business by Markswebb.
Same day delivery for unnamed?	Yes, if you need delivery, an unnamed card can be sent to you the same day. No pre-ordering is required.
Certificate of no loans option missing in app	Tap your name on the app’s main screen → Statements and references → On the presence or absence of loans to access the certificate.
no fee for business account	Yes, small businesses pay no fee for account registration or maintenance.
Alfa-Online says “Add to Home Screen” is missing	Ensure you’re using Safari. Open Alfa-Online in Safari, tap Share at the bottom of the screen, and select Add to Home Screen to proceed.
Why isn’t my referral link working?	Ensure you’ve updated your app to the latest version; otherwise, the referral link may not function correctly.
Can I unblock my card myself?	Yes, you can unblock your card in the app or Alfa-Online after it has been temporarily blocked.
What types of corporate transactions does Alfa-Bank advise on?	Alfa-Bank advises on divestures, corporate acquisitions, and mergers.
Why is the minimum amount so high?	The minimum of 10 mio RUB or 1 mio CNY is likely designed for high-value or institutional clients seeking tailored structured products.
margin trading forex fx	Margin trading allows forex trading with leveraged access.
Must the property be fully owned or registered?	Yes, proper registration of land/property ownership rights is mandatory.
How do I set up automatic payments for subscriptions?	Link your debit card to online services (e.g., streaming platforms). Payments will occur automatically after the initial setup.
How do I top up someone else’s mobile balance?	You can use your Alfa-Bank debit card to pay for mobile balance top-ups for yourself or others through supported platforms.
How does the no-collateral requirement work?	The leased asset acts as security, eliminating the need for additional collateral during the leasing arrangement.
are energy products available as derivatives?	Yes, Alfa-Bank offers energy derivatives including oil and oil products, and coal within its commodity solutions.
Alfa-Bank top private bank?	Yes, Alfa-Bank is recognized as the largest private bank in Russia with deep expertise in banking services.
Can I perform an expense operation with the Card Token?	Yes, an Expense Operation in Russian rubles can be executed via the Card Token.
Can you advise on selling a business unit?	Yes, Alfa-Bank’s advisory services include guidance for divestures, such as selling a business unit or part of a company.
Can I get returns in a different currency	Returns are based on the chosen underlying asset's performance and will reflect the currency or value of that asset.
How do I close my account linked to a debit card?	You can close your account via the Alfa-Bank app or Alfa-Online by selecting Actions → Close account. If it’s 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.
I don’t want to wait for delivery. Can I get the card faster?	Visit any Alfa-Bank branch to sign the agreement and receive the free debit card immediately.
Can I get cashback on previous orders	Only purchases meeting the campaign conditions (e.g., partner button clicked, valid city, and timing) qualify. Past orders won’t retroactively receive cashback if conditions weren’t met.
Cashback delayed? When will it appear?	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.
What kind of financial products combine fixed income and derivatives?	Alfa-Bank offers Hybrid Products that combine fixed income instruments with derivative strategies for different client needs and situations.
What if my card doesn’t have the free withdrawal feature?	If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission according to your card’s tariff.
How do I transfer money using a debit card?	You can transfer money from your debit card via the card itself, as it holds your own funds and allows for money transfers.
Early cash loan repayment fee?	There is no additional fee, but repayment includes all interest accrued up to the time you return the loan funds.
can i get the deposit back in a currency different from the original?	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.
I was charged for overdraft. When?	You are charged 30 days after an overdraft appears, with a fee of 20% of the overdraft amount.

no free withdrawal feature on my card

If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission as specified in your tariff.

Margin trading forex and stocks

Margin trading includes forex, stocks, and other underlying assets.

where is the cny correspondent bank located?

The correspondent bank for Chinese Yuan (CNY) is BANK OF CHINA (RUSSIA), located at Pr-t Mira 72, Moscow, 129110.

equity trading fees for qualified clients?

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

why is my total repayment amount higher than the original cash loan?

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.

is the privacy policy aligned with the bank’s governance rules?

Yes, the policy is approved under the authority specified in the bank’s charter.

I want to send money using my credit card

Use the mobile app or Alfa-Online, select “Payments,” and enter the recipient’s phone number or card number to initiate the transfer.

How does Alfa-Bank help with investment decisions?

Alfa-Bank offers independent research with strong regional and industry expertise to assist institutional managers in their decision-making.

where do i set my card pin?

To set your PIN code, open the Alfa-Bank app or Alfa-Online, go to "All my products → Card account," and follow the instructions to set your PIN.

International trade financing options

Alfa-Bank offers trade finance credit lines, FOREIGN exchange (FOREX) transactions, and forward/cash deals to support corporate international trade activities.

Is the National Foreign Exchange Association listed among Alfa-Bank’s memberships?

Yes, Alfa-Bank is affiliated with the National Foreign Exchange Association.

data security compliance with law?

Our security measures strictly comply with Russian legislation regarding personal data protection, including organizational and technical safeguards.

Found my card after blocking

Unblock your card via the app or Alfa-Online to reuse it.

No citizenship but living in Russia

You can legally reside permanently in Russia by obtaining a residence permit.

Structured finance for private investors

Alfa-Bank creates structured investment products specifically for private investors through its dedicated structured finance factory.

Structured products use equity baskets?

Yes, baskets of equities are part of the underlying assets for structured products.

What legal basis do you have for processing my data?

We process your data only with your consent unless otherwise required by law. We adhere to confidentiality and legal obligations in handling your data.

Access business banking online

Use Alfa Business Online to access your account remotely via any PC.

Fee for overdraft?

The overdraft fee is 20% of the overdraft amount, charged 30 days after it occurs.

Is overdraft interest higher than standard loans?

Interest rates for overnight conversions are based on the benchmark rate, which may vary.

Russian clearing system for LPN payments

Alfa-Bank requires LPN noteholders to have their rights registered in the Russian clearing system for payments in rubles through Russian depositories, per legislation.

Need help with EUR payment today

EUR payments executed same-day value.

can i get returns from different market trends?

Yes, a structured bond enables you to receive income from various market movements.

credit card order via app not working

Ensure you have an existing Alfa-Bank account. If logged in, navigate to "All my products → New account or product" in the app or Alfa-Online to proceed. If issues persist, apply directly on the website.

Can I open a foreign currency account with Alfa-Bank?

Yes, you can open accounts in RUB and other currencies.

Bond fx support options

Initial bond placements can be financed in major currencies.

Alfa-Bank part of RTS

Alfa-Bank is associated with the Russian Trading System (RTS) as a non-profit partnership member.

I use Maximum Ultra. Will I have fees for quasi-cash?

No, the Maximum Ultra package excludes you from quasi-cash fees under the listed conditions.

Can I get expert opinions on foreign exchange?

Yes, Alfa-Bank delivers expert opinions on foreign exchange, commodities, credit, and interest rates.

help with m&a strategy

Our advisory services include developing strategy and tactics for transactions involving divestures, acquisitions, and mergers.

Debit card certificate generation

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.

city not supported for cashback

Some offers are only valid in specific cities. If your location isn’t included, cashback won’t apply.

Margin trading forex and bonds

Margin trading covers forex and can include bonds.

Pay bills online?

Your debit card can be used to pay utility bills, internet fees, or mobile balance online.

Loan agreement unclear

Ask bank employees for explanations. If unresolved, consider postponing the decision and report to the Bank of Russia.

can you automatically make decisions about my data without human review?

No, we avoid relying solely on automatic processing for decisions affecting your rights or legal consequences unless required by law.

application for accession not found

The Application for Accession is part of the mandatory documents for investment structured products and deposits.

Government-prohibited services example?

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.

Need existing account to order credit card via app?

Yes, ordering a credit card through the app or Alfa-Online requires that you already have an existing account with Alfa-Bank.

Quasi-cash fee for online purchase

Fees apply if the merchant’s MCC code identifies it as quasi-cash and no exemptions apply.

fee-free atm list

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.

How much is the penalty for delaying a cash loan payment?

The penalty is 0.1% of the overdue amount per day.

Monthly SMS notification cost

99 ₽ per month.

Differences between Alfa Business Online and Alfa Business Mobile

Alfa Business Online is for PC-based access, while Alfa Business Mobile is for managing your account via smartphone or tablet.

Does the Outperformance certificate protect invested capital?

No, the Outperformance certificate does not protect invested capital as it carries a risk of capital loss.

What documents do I need for structured investment products?

You need the Agreement, Risk Declaration, and Application for Accession.

Is Gazprombank part of no-fee ATM network?

Yes, Gazprombank is a partner bank for fee-free ATM reloads with Alfa-Bank. Check their ATMs for balance or refills.

Can I get cashback if I clear cart again?

Yes—before purchasing, you must clear your cart and add items again by clicking "Go to shopping" to ensure cashback eligibility.

I used my card for a courier service. Cashback lost?

Yes, purchases in categories like courier services (MCC 4215) or air/ground delivery do not earn cashback.

sexual orientation data

Alfa-Bank does not collect or process personal data on sexual life.

Structured bonds with capital at risk

An example is the Outperformance certificate, which offers income through participation with leverage but risks losing part or all of the capital.

Can I use SBP to send money to other banks

Yes SBP transfers work to any Russian bank card via phone number as described.

What Russian laws apply to debt under Loans and LPNs?

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.

What if I don’t decide on an underlying asset?

You must select the underlying asset when opening the structured product, as it is a required parameter for the investment.

Want to process online payments without changing my website

Acquiring and E-commerce solutions both allow online payments acceptance for goods and services without website fine-tuning.

No fee for ATM withdrawals?

Correct, cash withdrawals at ATMs are free. Fees only apply to cash withdrawals at cashiers.

Max amount for cashback premium card

The maximum transaction for cashback with a premium card is 500,000 rubles.

card closure and account

When you close your card, the associated account stays active. You can use it independently, link a new card, or close the account separately.

I found my blocked card, can I use it again?

Yes, unblock your card through the app or Alfa-Online and use it again.

Need financing for new bond

We support clients with financing at initial bond placements.

Statement not received

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.

what happens if my lpn rights aren’t recorded in the russian clearing system?

Alfa-Bank cannot process your LPN payments in rubles unless your rights are registered via Russian depositories in the Russian clearing system.

how to withdraw cash using a debit card?

You can withdraw cash from ATMs using your Alfa-Bank debit card.

does Alfa-Bank handle residence addresses

Yes, residence addresses are part of the General personal data processed by Alfa-Bank.

who offers the best hybrid products?

Alfa Bank is a market leader in innovative hybrid products for corporate clients.

what’s the benefit of fsc-certified materials in eco-envelopes?

FSC-certified materials in eco-envelopes ensure the use of sustainably sourced resources promoted by the international environmental association FSC.

Who is Alfa-Bank’s structured finance suitable for?

Their structured finance products cater to institutional and private investors, with solutions tailored to individual financial needs.

my account has a debt what to do

If there’s a debt on the account, you must repay it before the account can be closed.

my business uses multiple currencies. any solution?

Yes, the Deal Currency Deposit is ideal for managing multi-currency balances, allowing you to hedge market risks and optimize currency conversions.

Do you process special data without my consent?

Special categories like health or criminal records are processed only when legally mandated or permitted, not on a standard basis.

Bonds for different markets

Structured bonds allow you to receive income from various market movements through a single investment tool.

Do you have any recent awards for your services?

Yes, we are recognized as the best bank in Russia by Euromoney magazine and the best bank for business by Markswebb.

Same day delivery for unnamed?

Yes, if you need delivery, an unnamed card can be sent to you the same day. No pre-ordering is required.

Certificate of no loans option missing in app

Tap your name on the app’s main screen → **Statements and references → On the presence or absence of loans** to access the certificate.

no fee for business account

Yes, small businesses pay no fee for account registration or maintenance.

Alfa-Online says “Add to Home Screen” is missing

Ensure you’re using Safari. Open Alfa-Online in Safari, tap **Share** at the bottom of the screen, and select **Add to Home Screen** to proceed.

Why isn’t my referral link working?

Ensure you’ve updated your app to the latest version; otherwise, the referral link may not function correctly.

Can I unblock my card myself?

Yes, you can unblock your card in the app or Alfa-Online after it has been temporarily blocked.

What types of corporate transactions does Alfa-Bank advise on?

Alfa-Bank advises on divestures, corporate acquisitions, and mergers.

Why is the minimum amount so high?

The minimum of 10 mio RUB or 1 mio CNY is likely designed for high-value or institutional clients seeking tailored structured products.

margin trading forex fx

Margin trading allows forex trading with leveraged access.

Must the property be fully owned or registered?

Yes, proper registration of land/property ownership rights is mandatory.

How do I set up automatic payments for subscriptions?

Link your debit card to online services (e.g., streaming platforms). Payments will occur automatically after the initial setup.

How do I top up someone else’s mobile balance?

You can use your Alfa-Bank debit card to pay for mobile balance top-ups for yourself or others through supported platforms.

How does the no-collateral requirement work?

The leased asset acts as security, eliminating the need for additional collateral during the leasing arrangement.

are energy products available as derivatives?

Yes, Alfa-Bank offers energy derivatives including oil and oil products, and coal within its commodity solutions.

Alfa-Bank top private bank?

Yes, Alfa-Bank is recognized as the largest private bank in Russia with deep expertise in banking services.

Can I perform an expense operation with the Card Token?

Yes, an Expense Operation in Russian rubles can be executed via the Card Token.

Can you advise on selling a business unit?

Yes, Alfa-Bank’s advisory services include guidance for divestures, such as selling a business unit or part of a company.

Can I get returns in a different currency

Returns are based on the chosen underlying asset's performance and will reflect the currency or value of that asset.

How do I close my account linked to a debit card?

You can close your account via the Alfa-Bank app or Alfa-Online by selecting Actions → Close account. If it’s 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.

I don’t want to wait for delivery. Can I get the card faster?

Visit any Alfa-Bank branch to sign the agreement and receive the free debit card immediately.

Can I get cashback on previous orders

Only purchases meeting the campaign conditions (e.g., partner button clicked, valid city, and timing) qualify. Past orders won’t retroactively receive cashback if conditions weren’t met.

Cashback delayed? When will it appear?

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.

What kind of financial products combine fixed income and derivatives?

Alfa-Bank offers Hybrid Products that combine fixed income instruments with derivative strategies for different client needs and situations.

What if my card doesn’t have the free withdrawal feature?

If your card does not include the free cash withdrawal feature, all cash withdrawals will incur a commission according to your card’s tariff.

How do I transfer money using a debit card?

You can transfer money from your debit card via the card itself, as it holds your own funds and allows for money transfers.

Early cash loan repayment fee?

There is no additional fee, but repayment includes all interest accrued up to the time you return the loan funds.

can i get the deposit back in a currency different from the original?

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.

I was charged for overdraft. When?

You are charged 30 days after an overdraft appears, with a fee of 20% of the overdraft amount.