PROVISION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of December 24, 2004 No. 266-P

About issue of payment cards and about the transactions made with their use

This Provision based on the Federal Law of June 27, 2011 No. 161-FZ "About national payment system" (The Russian Federation Code, 2011, No. 27, the Art. 3872) (further - the Federal Law No. 161-FZ), parts two of the Civil code of the Russian Federation (The Russian Federation Code, 1996, No. 5, the Art. 410), the Federal Law of July 10, 2002 No. 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, No. 28, Art. 2790; 2003, No. 2, Art. 157; No. 52, Art. 5032; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 25, Art. 2426; No. 30, Art. 3101; 2006, No. 19, Art. 2061; No. 25, Art. 2648; 2007, No. 1, Art. 9, Art. 10; No. 10, Art. 1151; No. 18, Art. 2117; 2008, No. 42, Art. 4696, Art. 4699; No. 44, Art. 4982; No. 52, Art. 6229, Art. 6231; 2009, No. 1, Art. 25; No. 29, Art. 3629; No. 48, Art. 5731; 2010, No. 45, Art. 5756; 2011, No. 7, Art. 907; No. 27, Art. 3873; No. 43, Art. 5973; No. 48, the Art. 6728), the Federal Law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ) (Sheets of the Congress of People's Deputies of RSFSR and the Supreme Council of RSFSR, 1990, No. 27, Art. 357; Russian Federation Code, 1996, No. 6, Art. 492; 1998, No. 31, Art. 3829; 1999, No. 28, Art. 3459, Art. 3469; 2001, No. 26, Art. 2586; No. 33, Art. 3424; 2002, No. 12, Art. 1093; 2003, No. 27, Art. 2700; No. 50, Art. 4855; No. 52, Art. 5033, Art. 5037; 2004, No. 27, Art. 2711; No. 31, Art. 3233; 2005, No. 1, Art. 18, Art. 45; No. 30, Art. 3117; 2006, No. 6, Art. 636; No. 19, Art. 2061; No. 31, Art. 3439; No. 52, Art. 5497; 2007, No. 1, Art. 9; No. 22, Art. 2563; No. 31, Art. 4011; No. 41, Art. 4845; No. 45, Art. 5425; No. 50, Art. 6238; 2008, No. 10, Art. 895; No. 15, Art. 1447; 2009, No. 1, Art. 23; No. 9, Art. 1043; No. 18, Art. 2153; No. 23, Art. 2776; No. 30, Art. 3739; No. 48, Art. 5731; No. 52, Art. 6428; 2010, No. 8, Art. 775; No. 19, Art. 2291; No. 27, Art. 3432; No. 30, Art. 4012; No. 31, Art. 4193; No. 47, Art. 6028; 2011, No. 7, Art. 905; No. 27, Art. 3873, Art. 3880; No. 29, Art. 4291; No. 48, Art. 6730; No. 49, Art. 7069; No. 50, Art. 7351; 2012, No. 27, the Art. 3588), the Federal Law of December 10, 2003 No. 173-FZ "About currency control and currency exchange control" (The Russian Federation Code, 2003, No. 50, Art. 4859; 2004, No. 27, Art. 2711; 2005, No. 30, Art. 3101; 2006, No. 31, Art. 3430; 2007, No. 1, Art. 30; No. 22, Art. 2563; No. 29, Art. 3480; No. 45, Art. 5419; 2008, No. 30, Art. 3606; 2010, No. 47, Art. 6028; 2011, No. 7, Art. 905; No. 27, Art. 3873; No. 29, Art. 4291; No. 30, Art. 4584; No. 48, Art. 6728; No. 50, the Art. 7348, the Art. 7351) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of December 17, 2004 No. 31) establish procedure for issue (further - issue) credit institutions (further - the credit organizations issuers) in the territory of the Russian Federation payment cards (further - bank cards) and features of implementation by credit institutions of transactions with payment cards which issuer the credit institution, foreign bank or the foreign organization can be.

Chapter 1. General provisions

1.1. This Provision extends to credit institutions, except for the non-bank credit institutions performing deposit and credit operations.

1.2. Requirements of this provision do not extend to cards of issuers, not being credit institutions, intended for receipt by physical persons, legal entities and individual entrepreneurs of prepaid goods (works, services, results of intellectual activities) of issuers of these cards.

1.3. In this Provision the following terms are used:

paragraph two of ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 14.01.2015 No. 3532-U

personalisation - the procedure of drawing on payment card and (or) record in memory of the microprocessor, on magnetic strip of payment card of information provided by the credit organization issuer;

the register on transactions with use of payment cards (further - the register of transactions) - the document or set of the documents containing information on money transfers and other transactions provided by this Provision with use of the payment cards for certain period of time constituted by the legal entity or his structural division performing collection, processing and mailing to credit institutions of information on transactions with payment cards, and provided electronically and (or) on paper;

the online magazine - the document or set of documents electronically created (created) by the ATM and (or) the electronic terminal for certain period of time when making transactions with use of these devices.

1.4. Paragraph one of ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 10.08.2012 No. 2862-U.

This Provision does not establish the requirement to characteristics of bank card (magnetic stripe card, the card with the microprocessor, "skretch-card", the card in electronic form and other).

1.5. The credit institution has the right to perform issue of bank cards of the following types: settlement (debit) cards, credit cards and prepaid cards which holders are the physical persons including authorized by legal entities, individual entrepreneurs (further - holders).

The settlement (debit) card as electronic instrument of payment is used for making of transactions by her holder within account limit - cash amount of the client, being on its bank account, and (or) the loan granted by the credit organization issuer to the client in case of insufficiency or absence on the bank account of money (overdraft).

The credit card as electronic instrument of payment is used for making by her holder of transactions at the expense of the money provided by the credit organization issuer to the client within account limit in accordance with the terms of the credit agreement. The prepaid card as electronic instrument of payment is used for implementation of transfer of electronic money, return of remaining balance of electronic money within the amount of the money of the credit organization issuer which is previously provided by the holder according to requirements of the Federal Law No. 161-FZ.

1.6. The credit institution (except for settlement non-bank credit institution, payment non-bank credit institution) performs issue of settlement (debit) cards, credit cards and prepaid cards for physical persons, legal entities and individual entrepreneurs. The settlement non-bank credit institution performs issue of settlement (debit) cards for legal entities, individual entrepreneurs, prepaid cards - for physical persons, legal entities, individual entrepreneurs. The payment non-bank credit institution performs issue of prepaid cards for physical persons, legal entities, individual entrepreneurs.

The settlement non-bank credit institution performs issue of settlement (debit) cards for legal entities and individual entrepreneurs, prepaid cards - for physical persons.

Issue of bank cards for physical persons, individual entrepreneurs, legal entities is performed by credit institution based on the agreement providing making of transactions with use of bank cards. Issue of the settlement (debit) cards intended for making of the transactions connected with own economic activity of credit institution is performed based on the order of sole executive body of credit institution.

The credit institution - the issuer perfroms calculations for transactions with settlement (debit) cards, credit cards, prepaid cards taking into account requirements of the foreign exchange legislation of the Russian Federation and this provision.

1.7. The credit institution has the right to involve bank payment agents to distribution of the payment cards emitted by this credit institution, and also to perform in the territory of the Russian Federation distribution of the payment cards emitted by other credit institutions (further - distribution of payment cards).

When attracting by credit institution - the issuer of bank payment agents for distribution of prepaid cards does not allow emergence of monetary commitments of credit institution on prepaid cards before bank payment agents, including by advance payment of prepaid cards.

1.8. Specific conditions of provision of money for calculations for the transactions made with use of settlement (debit) cards, credit cards, procedure for return of the provided money, procedure for documentary confirmation of provision and return of money can be determined in the contract with the client.

Paragraph of ceased to be valid.

Paragraph of ceased to be valid.

Provision of money by credit institution to clients for calculations for the transactions made with use of settlement (debit) cards is performed by means of transfer of the specified money on their bank accounts.

Provision of money by credit institution to clients for calculations for the transactions made with use of credit cards is performed by means of transfer of the specified money on their bank accounts, and also without use of the bank account of the client if it is provided by the credit agreement by provision of money in currency of the Russian Federation to physical persons, and in foreign currency - to physical persons - nonresidents. Documentary confirmation of loan granting without use of the bank account of the client is the register of transactions which arrived in credit institution if other is not provided by the credit agreement.

Paragraph of ceased to be valid.

Repayment (return) of the loan granted for calculations for the transactions made with use of settlement (debit) cards, credit cards is performed according to the procedure, similar to procedure, stipulated in Item 3.1 Provisions of the Bank of Russia of August 31, 1998 No. 54-P "About procedure for provision (placement) by credit institutions of money and their return (repayment)", No. registered by the Ministry of Justice of the Russian Federation on September 29, 1998 1619, on September 11, 2001 No. 2934 ("the Bulletin of the Bank of Russia" of October 8, 1998 No. 70-71, of September 19, 2001 No. 57-58) (further - the Provision of the Bank of Russia No. 54-P). Physical persons can perform loan repayment by cash with use of ATMs.

1.9. In the territory of the Russian Federation credit institutions (further - credit institutions - acquirers) perfrom calculations with the organizations of trade (services) in the transactions made with use of payment cards and (or) issue cash to the holders of payment cards who are not clients of the specified credit institutions (further - acquiring) <*>.

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<*> For information only: the terms "acquirer" and "acquiring" contain in the Glossary of the terms used in payment and settlement системах.//Committee on payment and settlement systems - International settlements bank. March, 2003. Page 7.

1.10. The credit institution has the right to perform at the same time issue of bank cards, acquiring of payment cards, and also distribution of payment cards. Issue of bank cards, acquiring of payment cards, and also distribution of payment cards is performed by credit institutions based on the intra bank rules developed by credit institution in accordance with the legislation of the Russian Federation, this Provision, other regulations of the Bank of Russia, agreements, including rules of payment systems.

1.11. Intra bank rules affirm the governing body of credit institution authorized on it by its charter and shall be obligatory for all staff of credit institution. Intra bank rules depending on features of activities of credit institution shall contain:

procedure for activities of the credit institution connected with issue of bank cards;

procedure for activities of the credit institution connected with acquiring of payment cards;

procedure for activities of the credit institution connected with distribution of payment cards;

procedure for activities of credit institution when implementing calculations for the transactions made with use of payment cards;

risk management system when implementing transactions with use of payment cards, including evaluation procedure of credit risk, and also prevention of risks when using codes, passwords as analog of the sign manual (further - ASP), including during the processing and fixation of results of check of such codes, passwords;

operations procedure of credit institution in case of loss by the holder of payment cards;

the description of document flow and technology of processing of accounting information on the transactions made with use of payment cards;

procedure for storage of the payment cards prior to procedure of personalisation (further - not personalized payment cards) acquired by credit institution and containing details (the name of the issuer, etc.), payment cards after the procedure of personalisation, and also the approved list of the officials responsible for their storage; procedure for movement of not personalized payment cards within credit institution and their transfer on personalisation;

procedure for provision of money to the client in currency of the Russian Federation and in foreign currency for calculations for the transactions made with use of settlement (debit) cards, credit cards, and procedure for return of the specified money, and also procedure for charge of percent on the amounts of the provided money and payment procedure their client in accordance with the legislation of the Russian Federation, this Provision and other regulations of the Bank of Russia;

other procedures regulating questions of carrying out calculations for the transactions made with use of payment cards including procedure and terms of submission of the register of transactions, the online magazine in credit institution;

procedure for consideration by credit institution of statements of holders, including on transactions with use of payment cards made without the consent of holders.

1.12. The client makes transactions with use of settlement (debit) cards, credit cards according to the bank account (further - according to accounts of physical person, individual entrepreneur, legal entity) opened based on the bank account agreement providing making of transactions with use of settlement (debit) cards, credit cards, concluded according to requirements of the legislation of the Russian Federation (further - bank account agreement).

Paragraph of ceased to be valid.

Regulations of this Item do not extend to the transactions made with use of credit cards by provision of money to the client without use of the bank account according to Item 1.8 of this provision.

1.13. Ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 10.08.2012 No. 2862-U.

1.14. In case of issue of payment card, making of transactions with use of payment card the credit institution shall identify her holder according to article 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing" (The Russian Federation Code, 2001, No. 33, Art. 3418; 2002, No. 30, Art. 3029; No. 44, Art. 4296; 2004, No. 31, Art. 3224; 2005, No. 47, Art. 4828; 2006, No. 31, Art. 3446, Art. 3452; 2007, No. 16, Art. 1831; No. 31, Art. 3993, Art. 4011; No. 49, Art. 6036; 2009, No. 23, Art. 2776; No. 29, Art. 3600; 2010, No. 28, Art. 3553; No. 30, Art. 4007; No. 31, Art. 4166; 2011, No. 27, Art. 3873).

1.15. Specific conditions of charge and interest payment (the size of interest rate, payment due dates and other conditions) on granted loan for calculations for the transactions made with use of settlement (debit) cards, credit cards, and on balances in cash of the client, being on its bank account, can be determined in the contract with the client.

Charge of percent on granted loan for calculations for the transactions made with use of settlement (debit) cards, credit cards, and on balances in cash, being on the bank account of the client, is performed according to the procedure, similar to the procedure established by the Provision of the Bank of Russia of June 26, 1998 No. 39-P "About procedure for charge of percent on the transactions connected with attraction and placement of money by banks", registered by the Ministry of Justice of the Russian Federation on July 23, 1998 No. 1565, on January 26, 1999 No. 1688, on December 11, 2007 No. 10675 ("the Bulletin of the Bank of Russia" of August 6, 1998 No. 53-54, of August 28, 1998 No. 61, of February 4, 1999 No. 7, of December 17, 2007 No. 69).

Payment by clients of percent on granted loan for calculations for the transactions made with use of settlement (debit) cards, credit cards is performed according to the procedure, similar to procedure, stipulated in Item 3.1 Provisions of the Bank of Russia No. 54-P. Physical persons can perform interest payment on granted loan cash with use of ATMs.

Payment by credit institution of the percent added on balances in cash, which are on the bank account of the client is performed based on settlement documents via bank transfer by transfer of money on the bank account of the client.

Chapter 2. The transactions made with use of payment cards

2.1. On one customer account transactions with use of several settlement (debit) cards, the credit cards issued by credit institution - the issuer to the client (person authorized by the client) can be made.

2.2. On several customer accounts transactions with use of one settlement (debit) card or credit card issued by credit institution - the issuer to the client (person authorized by the client) can be made.

2.3. The client - physical person performs the following transactions with use of bank card:

receipt of cash in currency of the Russian Federation or foreign currency in the territory of the Russian Federation;

receipt of cash in foreign currency outside the territory of the Russian Federation;

payment of goods (works, services, results of intellectual activities) in currency of the Russian Federation in the territory of the Russian Federation, and also in foreign currency - outside the territory of the Russian Federation;

other transactions in currency of the Russian Federation concerning which by the legislation of the Russian Federation it is not established will lock (restriction) for their making;

other foreign currency transactions with observance of requirements of the foreign exchange legislation of the Russian Federation.

The client - physical person can perform with use of settlement (debit) cards, credit cards the transactions specified in this Item according to the bank accounts opened in currency of the Russian Federation and (or) according to the bank accounts opened in foreign currency.

The client - physical person, being resident, can perform with use of credit cards the transactions specified in this Item at the expense of the granted currency loan of the Russian Federation without use of the bank account.

Use of prepaid card by the client - physical person is performed according to requirements of the Federal Law No. 161-FZ at the expense of remaining balance of electronic money in currency of the Russian Federation and (or) in foreign currency.

The client - physical person, being the nonresident, can perform with use of credit cards the transactions specified in this Item at the expense of the granted currency loan of the Russian Federation, foreign currency without use of the bank account.

2.4. Clients - physical persons with use of settlement (debit) cards, credit cards can perform transactions in the currency other than account currency, currency of granted loan, according to the procedure and on the conditions established in bank account agreement, the credit agreement. Clients - physical persons with use of prepaid cards can make transfer of electronic money in the currency other than currency of remaining balance of electronic money.

2.5. The client - the legal entity, the individual entrepreneur performs the following transactions with use of settlement (debit) cards, credit cards:

receipt of cash in currency of the Russian Federation for implementation in the territory of the Russian Federation according to the procedure established by the Bank of Russia, the calculations connected with activities of the legal entity, individual entrepreneur, including payment of traveling and entertainment expenses;

payment of the expenses in currency of the Russian Federation connected with activities of the legal entity, individual entrepreneur, including payment of traveling and entertainment expenses, in the territory of the Russian Federation;

other transactions in currency of the Russian Federation in the territory of the Russian Federation concerning which the legislation of the Russian Federation, including regulations of the Bank of Russia, it is not established will lock (restriction) for their making;

receipt of cash in foreign currency outside the territory of the Russian Federation for payment of traveling and entertainment expenses;

payment of traveling and entertainment expenses in foreign currency outside the territory of the Russian Federation;

other foreign currency transactions with observance of requirements of the foreign exchange legislation of the Russian Federation.

The client - the legal entity, the individual entrepreneur can perform with use of settlement (debit) cards, credit cards the transactions specified in this Item according to the bank accounts opened in currency of the Russian Federation and (or) according to the bank accounts opened in foreign currency.

The credit institution - the issuer shall determine maximum amount of cash in currency of the Russian Federation which can be issued to the client - the legal entity, the individual entrepreneur within one operational day for the purposes specified in this Item. The credit institution - to the issuer is recommended to establish for the client - the legal entity, the individual entrepreneur possibility of receipt of cash in currency of the Russian Federation for the purposes specified in this Item in the amount which is not exceeding 100 000 rubles within one operational day.

The client - the legal entity, the individual entrepreneur makes with use of prepaid cards transfer of electronic money, return of remaining balance of electronic money according to requirements of the Federal Law No. 161-FZ.

2.6. Clients - legal entities, individual entrepreneurs with use of settlement (debit) cards, credit cards can perform transactions in the currency other than account currency of the legal entity, the individual entrepreneur, according to the procedure and on the conditions established in bank account agreement. When making of the transactions specified in this Item the currency received by credit institution - the issuer as a result of conversion transaction, is transferred to destination without transfer into the customer account - the legal entity, the individual entrepreneur. Clients - legal entities, individual entrepreneurs with use of prepaid cards can make transfer of electronic money in the currency other than currency of remaining balance of electronic money.

2.7. In case of absence or insufficiency of money on the bank account when making by the client of transactions with use of the settlement (debit) card the overdraft for implementation of this settlement transaction in the presence of the corresponding condition in bank account agreement can be provided to the client within the limit provided in bank account agreement.

2.8. Credit institutions when implementing issue of settlement (debit) cards, credit cards can provide in bank account agreement, the credit agreement condition about implementation by the client of transactions with use of these cards which amount exceeds:

balance in cash on the bank account of the client in case of non-inclusion in bank account agreement of condition of provision of the overdraft;

limit of provision of the overdraft;

the limit of the granted loan determined in the credit agreement.

Calculations for the specified transactions can be perfromed by provision to the client of the credit according to the procedure and on the conditions provided by bank account agreement or the credit agreement taking into account the this provision regulations.

In case of absence in bank account agreement, the credit agreement of condition of provision to the client of the credit on repayment by the client of the arisen debt specified to transactions it is performed in accordance with the legislation of the Russian Federation.

2.9. The basis for creation of settlement and other documents for reflection of the transaction amounts made with use of payment cards in financial accounting of participants of calculations is the register of transactions or the online magazine.

Write-off or transfer of money on the transactions made with use of payment cards is performed no later than the working day following behind day of receipt in credit institution of the register of transactions or the online magazine.

If the register of transactions or the online magazine arrives in the credit organization issuer (the credit organization acquirer) about one the day preceding day of write-off or transfer of money from correspondent account of the credit organization issuer (the credit organization acquirer), opened in the credit institution performing settlement between the credit organizations issuers (the credit organizations acquirers) for transactions with use of payment cards or to day of cash receipt of the electronic money deposited for increase in remaining balance with use of prepaid card, transactions with use of payment cards are incomplete from the date of receipt of the register of transactions or the online magazine about day of cash receipt.

2.10. Clients can perform transactions with use of payment card by means of codes, passwords within the procedures of their input applied as ASP and established by credit institutions in contracts with clients.

Chapter 3. Documents on the transactions made with use of payment cards

3.1. When making transaction with use of payment card paper documents and (or) electronically are constituted (further - the document on transactions with use of payment card). The document on transactions with use of payment card is the basis for implementation of calculations for the specified transactions and (or) serves as confirmation of their making.

3.2. In case of creation of the document on transactions with use of payment card ASP can be used. Use of ASP by credit institutions and clients is performed in accordance with the legislation of the Russian Federation and the contract between credit institution and the client.

3.3. The document on transactions with use of payment card shall contain the following obligatory details:

the identifier of the ATM, the electronic terminal or other technical tool intended for making of transactions with use of payment cards;

transaction type;

transaction date;

transaction amount;

transaction currency;

the amount of commission fee (in case of not collection of commission fee credit institution - the acquirer informs the holder of payment card the corresponding text on its absence);

authorization code;

details of payment card.

The document on transactions with use of payment card on paper in addition shall contain the signature of the holder of payment card and the signature of the cashier if it is constituted in credit institution and its structural divisions indoors for making of transactions with values, and also in the organization of the mail service performing transactions with use of payment cards according to article 18 of the Federal Law of July 17, 1999 No. 176-FZ "About mail service" (The Russian Federation Code, 1999, No. 29, Art. 3697; 2003, No. 28, Art. 2895; 2004, No. 35, Art. 3607; 2007, No. 27, Art. 3213; 2008, No. 29, Art. 3418; 2008, No. 30, Art. 3616; 2009, No. 26, the Art. 3122) (further - the cash disbursement Item (CDI).

In case of use of ASP in case of creation in document PVN on transactions reckon executed concerning the copy of the specified document constituted on paper with use of payment card of the requirement about availability of the signature of the holder of payment card and the signature of the cashier.

3.4. The document on transactions with use of payment card may contain the additional details established by intra bank rules.

3.5. If the document on transactions with use of payment card is constituted without implementation of the procedure of authorization, but at the same time there is obligation of the issuer to the acquirer on execution of this document, the authorization code in it is not specified.

3.6. The obligatory details of the document specified in Item 3.3 of this provision on transactions with use of payment card shall contain the signs allowing to establish authentically compliance between details of payment card and the corresponding account of physical person, the legal entity, individual entrepreneur, the account on which they are money which transfer is made with use of prepaid card or credit card at the expense of the granted loan without use of the bank account, and also between identifiers of the organizations of trade (services), PVN, ATMs and bank accounts of the organizations of trade (services), accounts of PVN, ATMs (are considered).

3.7. The document on transactions with use of payment card is constituted in the number of copies established by intra bank rules.

3.8. In case of issue or acceptance of cash in currency of the Russian Federation or in foreign currency with use of payment cards in PVN of credit institution based on documents on transactions with use of payment cards account cash orders 0402009, receipt cash orders 0402008, provided by the Provision of the Bank of Russia of April 24, 2008 No. 318-P "About procedure for conducting cash transactions and storage precautions, transportations and collections of banknotes and coin of the Bank of Russia in credit institutions in the territory of the Russian Federation", the registered Ministry of Justice of the Russian Federation on May 26, 2008 No. 11751, on March 23, 2010 No. 16687, on June 1, 2011 No. 20919 ("the Bulletin of the Bank of Russia" of June 6, 2008 No. 29-30, of March 31, 2010 No. 18, of June 16, 2011 No. 32) are drawn up respectively (further - the Provision of the Bank of Russia No. 318-P), Instruction of the Bank of Russia of January 30, 2020 No. 5396-U "About procedure for conducting cash transactions with cash foreign currency in authorized banks in the territory of the Russian Federation", the registered Ministry of Justice of the Russian Federation on April 23, 2020 No. 58200 (further - the Instruction of the Bank of Russia No. 5396-U), at the time of making of transaction with use of payment card or on total sums of the transactions made with use of payment cards upon termination of implementation of these transactions.

In case of carrying out the transactions specified in the Instruction of the Bank of Russia of September 16, 2010 to No. 136-I "About procedure by authorized banks (branches) of separate types of banking activities with cash foreign currency and transactions with checks (including travel checks) which nominal value is specified in foreign currency, with participation of physical persons", registered by the Ministry of Justice of the Russian Federation on October 1, 2010 No. 18595 ("the Bulletin of the Bank of Russia" of October 6, 2010 to No. 55) (further - the Instruction of the Bank of Russia No. 136-I), the document confirming carrying out transactions with cash foreign currency and checks, and the Register of transactions with cash and checks provided by the Instruction of the Bank of Russia No. 136-I shall be processed.

3.9. When making by clients of transactions on obtaining or cash deposit of money in currency of the Russian Federation or in foreign currency with use of payment cards in ATMs registration of the specified transactions is performed taking into account requirements of this provision. The document confirming making of the specified transactions, provided by the Provision of the Bank of Russia No. 318-P, the Instruction of the Bank of Russia No. 5396-U, and also the Instruction of the Bank of Russia No. 136-I is not drawn up.

Chapter 4. Final provisions

4.1. This Provision is subject to publication in "the Bulletin of the Bank of Russia" and becomes effective since April 10, 2005.

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