Other Services

Cash handling and transportation
RosEvroBank encashment service offers encashment and transportation of client cash. Cashed proceeds are credited to client account at the day of recalculation of cashed money. Encashment tariffs are set individually for every bank client.

Acquiring
Acquiring (arrangement of acceptance of Visa, MasterCard and Diners Club cards for payment for goods and services) allows trade and services companies without substantial efforts to increase the number of potential buyers, to increase sales volume, decrease business management costs and, what is very important, to increase its image among clients.

RosEvroBank within acquiring services:

• Provides free delivery and setup of electronic terminals (an/or imprinters) in trade outlets.
• Provide personnel training in card operations.
• Arranges delivery of required consumables.
• Timely and fully transfers reimbursement for sold goods and services – not later than the third working day after submission of necessary documents (slips/electronic registers).
• Offers flexible tariffs.

Customs cards (cards for effecting of customs payments)
RosEvroBank is a member of all-Russian system “Customs card” enabling foreign trade companies to make customs payments at customs territories with microprocessor bank cards. Microprocessor bank cards issued by RosEvroBank have several advantages over traditional types of payments to customs bodies:

• Customs cards allow payment of levies, duties, taxes, excises, etc. immediately during customs clearance at the customs point.
• Acceptance of the card is practically the same as receipt of money at customs account.
• Possibility of 24-hour bank use.
• High accuracy of payments – overpayment is excluded when paying with customs cards.
• Use of customs cards allows optimization of exporters and importers cash flows and provides the possibility to organize efficient system of control and management of funds of company subdivisions  and customs brokers which serve them. Thus, customs payments system is improved and the time of goods customs clearance is shortened.

The list of customs territories accepting customs cards is increasing. Now “Customs card” system terminals are installed at dozens of customs bodies in Russia and also in Byelorussia, Kazakhstan, Tajikistan and Kyrgyzstan. These countries also made agreements on use of customs cards for payment of fees for goods transit via European and Asian Economic Territory.

Customs card may be issued both to the name of the organization (corporate card) or a private person (personal card). It is necessary to make a contract for servicing and open an account to serve customs cards with RosEvroBank to obtain a customs card.


Corporate cards
Small buys, business trip money, representative costs – an ideal solution for such simple tasks is RosEvroBank corporate cards. Several Visa Business or MasterCard Business cards issued to employees with the right to make corporate expenses may be tied up to one card account. Each cardholder will be set an individual expenditure limit. Quick control over expenses of employees – cardholders will be facilitated by daily statements on card accounts and detailed statements on all operations made with use of cards over the previous month.

Major terms

• Company should open a card account in rubles to make operations with use of Visa Business/MasterCard Business cards.
• Visa Business/MasterCard Business cards are issued upon initial payment to the card account worth not fewer than 1,000 US dollars (in rubles equivalent).
• No minimum deposit at card account is required.
• Residual money at card accounts accrue quarterly interest at 1% p.a..
• Visa Business/MasterCard Business cards expiry period is 2 years.
• If transactions in foreign currency are made with use of corporate cards, then the sum of transactions is debited from the card account at the Bank of Russia exchange rate at the date of bank debit of the card account.
• Cardholders who are clients of MTS, Beeline and Megafon mobile communications companies may receive information on operations made with use of corporate cards issued to them to their mobile phone.

Leasing
It may happen that to fund the projects on expansion of existing business, increase of competitiveness and quality of products, etc. use of leasing formats instead of use of traditional loan resources may be more rational.

RosEvroLeasing company: Offers for leasing a wide range of Russian and foreign made machines and equipment.

• Provides turn-key deliveries with subsequent transfer for rent with the buyout option of sets of production and trade equipment.
• Designs leasing programs with consideration of client business details.
• Offers services of personal consultants at the phase of planning of investments into purchased property.

Leasing terms

• Leasing duration terms are set by the client (they should be at least twice as less the life-time of purchased machines and equipment). As a rule, a leasing contract is made for 1-3 years. For some property such term may be increased up to five years upon agreement with RosEvroLeasing.
• Advance payments under leasing contract are 10-30% of the property value.
• Leasing payments are made monthly in equal installments, payments with unequal terms are possible, also are possible payments with consideration of seasonality of client operations. Deferral of leasing payments is offered for the time of equipment delivery (transportation) and installation works.
• Property risks should be insured either in ROSNO company or Ingosstrakh company (either by lessee or RosEvroLeasing with inclusion of insurance costs into leasing payments).
• The client should make a warranty service contract for leased property for the entire leasing contract duration.
• Leased vehicles are registered with appropriate state bodies (traffic police, the Russian State Technical Supervision Authority) by lessee itself with indication in registration documents of information on the property owner (RosEvroLeasing) and the leasing contract term. Vehicles may also be registered with RosEvroLeasing. In this case lessee is charged an additional fee of 300 US dollars and costs for payment of transport tax by the company are included in the sum of leasing payments. If vehicles are registered by lessee, under the Russian legislation transport tax is paid by lessee.
• Average annual increase of the cost of the leased property is 9% - 13% (in rubles) and 7.5% - 10% in foreign currency.

* Except for sea and river transport and real property.

Salary card projects
Salary card projects – what is the idea?
The company asks the bank to open current accounts and issue Visa Classic, Visa Electron, MasterCard Standard or Maestro cards for its employees. The bank will distribute salaries transferred by the company in one sum to employees’ personal accounts under the schedule provided by the company.

Salary card project advantages – for the company

• Save money – no need to pay for encashment.
• Money safe storage and transportation — the bank will do it for your company.
• Increased work productivity — employees do not have to line up to get salaries.
• Payment confidentiality — an employee will not know how much money is credited to his colleague card.
• Work time optimization — the process of salary payment is now limited only to one bank transfer, subsequently, the time of calculation and issue of salaries is shortened.
• Convenience – if the company operates in several regions, salary payments may be processed at its headquarters.

Salary card project advantages – for the company personnel

• 24-hour access to money – an extensive network of ATM in Moscow, Saint-Petersburg and other regions of Russia allows to withdraw money at any convenient time within the available account residue.
• Possibility to make payment for goods and services by bank transfer – millions of trade and service outlets all over the world accept cards issued by RosEvroBank.
• Optimization of expense by issue of additional cards to family members and relatives tied up to the major card account.