Help / Bank Cards / Yandex.Money Bank Card

Yandex.Money Bank Card

 
What do I need a Yandex.Money bank card for?
This card lets you pay with Yandex.Money at supermarkets, cafes, cinemas, and other locations where debit cards are accepted. Money is deducted from your account and records about payments are saved in your History.
Reviewed and identified users can pay at any stores worldwide. Anonymous users can only pay within Russia.
 
How do I benefit from the card's status (Gold or World)?
All owners of our card get discounts and bonuses from MasterCard partners.
Moscow citizens enjoy unique benefits from Priceless Cities program.
 
Is the card issued with a chip or a magnetic strip?
The Yandex.Money bank card has both a chip and a magnetic strip on it.
From 23 July 2013 on, we issue cards that support the technology MasterCard PayPass. It allows you to pay in one tap anywhere you see the PayPass sign. For addresses of stores, restaraunts, and other locations accepting PayPass, go to MasterCard's website.
 
How do I get a MasterCard PayPass?
If you haven't got a Yandex.Money bank card yet, fill out the form on our site.
If you already have a card, you can cancel it and issue a new one. Our brand new cards support MasterCard PayPass technology. The one-time service fee is 300 rubles for three years. Issuing and delivery are free.
 
Where do I find out the terms and conditions of using the card?
The agreements are posted on our site:
for World MasterCard, issued by Yandex.Money;
for pre-issued card, issued by Yandex.Money.
 
How much does card servicing cost?
A one-time fee is 300 rubles for three years of service. Issuing and delivery are free worldwide.
 
For what validity period and in what currency is the card issued?
The card is issued in rubles. It's validity period is three years.
 
Where can I use my Yandex.Money card?
Identified and reviewed users can pay at any store worldwide. Anonymous users can only use their cards within Russia.
At some stores, payments made using the card have to be verified with the card’s PIN.
Only identified users may buy lottery tickets, bet money in totalizers, and gamble. Banks check such payments by their
MCC code
This MCC code denotes the outlet type. Lotteries and gambling games are marked with the codes 7995 and 9754.
and do not allow users with a status other than identified to pay from a Yandex.Money bank card. This is a requirement of the law ‘On the National Payment system’ (No. 161-FZ).
 
Will I be able to withdraw money from the card at an ATM?
Yes, if you've issued a PIN. After that, you'll be able to withdraw money at any ATM that accepts MasterCard.
 

Ordering a card

How do I receive a Yandex.Money bank card?
  1. Fill out a form on the site.
  2. Get a card by mail.
  3. Activate your card on the Yandex.Money website.
 
How do I activate my card?
Click your balance on the top of the page. In the drop-menu click the link to activation page.
Enter the last 8 digits of the card number, its expiration date, and your payment password in the indicated fields. The card will be activated automatically.
 
How do I find out when the letter containing my card will arrive?
You can track your card on the Russian Post Service site. You will see the link under your account Settings as soon as we send the card. Go to Settings
 
I’m not a Russian citizen. Can I still get a card?
Yes. But keep in mind that anonymous users can only use cards within Russia. In order to pay from the card, complete the identification process.
 
Can several bank cards be issued for the same Yandex.Money account?
No. For example, if you want someone else in your family to get their own card, they will need to open their own account at Yandex.Money.
 

Adding money

If I add money to my Yandex.Money account, will I be able to spend that money using my card?
Yes. This applies to both deposits and transfers. If another user sends money to your account, you’ll be able to spend it right from your card.
 
Can I transfer money at an ATM or via online banking by the card's number?
Yes, but only if the ATM (online banking) is connected to the MoneySend system, and you are making a transfer in rubles. Money will be credited to your card within a few business days. Learn more about MoneSend system on MasterCard's site.
 
How do I add money to my card by bank transfer?
Use Yandex.Money's banking details: they differ for individuals and legal entities.
The transfer usually takes two business days, but may take up to five days.
Maximum amounts of adding depend on your Yandex.Money account status:
  • anonymous—15,000 rubles,
  • reviewed—60,000 rubles,
  • identified—500,000 rubles.
 

PIN

How do I get a PIN?
You create one upon activating the card. After that you can change your PIN at any moment: the button for that is under Bank Cards section.
 
I forgot my PIN. What should I do?
Simply change your PIN on our site: the button for that is under Bank Cards section.
 
What will happen if I enter the wrong PIN three times in a row?
The card will be blocked, and you won’t be able to use it for payments. To unblock the card, call Tinkoff Bank at 8 800 250‑66‑99 (for calls from Russia) or +7 (495) 645‑59‑19 (for calls from outside Russia)
 

Commissions and limits

Do you charge commission for operations with the plastic Yandex.Money card?
We charge commission for the following operations:
— withdrawing cash via ATMs
— transferring money to another card using MasterCard MoneySend;
— adding money via LiqPay service
— issuing virtual card in Russian Standard Bank or adding money to it
— adding money to Beeline mobile card or sending money via ‘Beeline.Transfer’ service.
Commission amount: 3% of the amount, but no less than 100 rubles.
We do not charge commission for payments. The only exception may be if a store has incorrect MCC code.
 
What are the limits on payments made with a card?
For anonymous users—15,000 rubles at a time and 40,000 rubles a month.
For reviewed users—60,000 rubles at a time and 200,000 a month.
For identified users—100,000 rubles at a time and 3,000,000 rubles a month.
These limits are a requirement of the federal law On the National Payment System (No. 161-FZ). View the full list of limits in this table.
 
What commission is charged on ATM withdrawals?
If you are an identified user, you can make withdrawals of up to 10,000 rubles without commission every month from your
personalized card
You can order a personalized card on our website and pick it up at the post office (from the courier). You can also get a pre-issued card (without a name on it): visit a Yandex.Checkout's or one of our partners' office.
.
If you have a different user status, the commission is always 3%—but not less than 100 rubles. For example: if you are making a withdrawal of 500 rubles, the commission is 100 rubles, while the commission for 5,000 rubles is 150 rubles.
Some banks can charge an additional commission for use of their ATMs. They should notify you on charging additional commission before debiting.
 
What are the limits for withdrawing money at an ATM?
Anonymous and reviewed users can withdraw up to 5,000 rubles per day and up to 40,000 per month. Identified users face no limitations.
You will be able to withdraw money at any ATM worldwide in any currency.
 
Why was I charged a commission of 3% when I made a payment with my card at a regular store?
The store must have the wrong MCC (a code designating the category of every trade outlet).
When you pay with your bank card, the bank sends us an MCC. If you make a purchase at a supermarket, we receive the code 5411, while stores selling electronic goods return the code 5732. But sometimes stores choose the wrong MCC. For example, the one corresponding to cash withdrawals at ATMs or funds transfers between bank cards. If we receive one of the following codes—4829, 6010, 6011, 6012, 6050, 6051, 6534, 6538, 6540—we'll automatically charge commission.
If that's the case, we recommend contacting the store's support service and reporting the problem with the MCC.
 

Shopping at international stores

Can I pay with the card at international and online stores?
Yes, if you are a reviewed or identified user. In some stores, you have to provide a PIN to confirm your payment.
If you are going abroad, please let us know. The card could be blocked if the payment comes from an unusual place. To prevent this from happening, let us know that you'll be traveling via a form on the site or by phone +7 495 974‑35‑86.
 
A few days after making a payment with the card, I was charged another small sum. Why?
The additional charge is the result of exchange rate fluctuations. When you make a payment in a foreign currency, your account is charged the equivalent sum in rubles. Conversion is performed according to the exchange rate at the time you make the purchase. A few days later, when the MasterCard system finishes processing your payment, the exchange rate may have changed. In that case, the difference in the cost of your purchase will be charged from your account (or credited to it, if the exchange rate changes in your favor).
 
What is the conversion rate applied to rubles, when I pay with my card at an international store?
Currency change is made according to MasterCard rate + 2.7%. This process takes several steps:
  1. Payment amount in rubles according to current conversion rate is blocked on your card.
  2. MasterCard provesses the payment for one-two business days. During this time exchange rated changes.
  3. We debit the amount according to the up-to-date rate: if a foreign currency value has grown, the difference is deducted, if its value has declined, the difference is returned to your card.
 
Can I withdraw money at an ATM in a currency other than rubles?
Yes. But since your Wallet is in rubles, the amount will be converted according to Yandex.Money partners' rate.
 
When paying at a store, I'm asked to fill in the billing address and other strange information. What do I do?
Your billing address is the address where your card was delivered to (simply enter it in Latin letters). Other details you may be asked for in a foreign store:
  • Address 1 — street address and apartment (for example: 1/11 Moskovskaya Street);
  • Address 2 — optional field (here you can specify any other information necessary for distinguishing your address);
  • State — region or district (for example: Moscow or Moskovskaya Region);
  • ZIP or Postal Code — postal code.
 
I entered all the card's details, but I still can't complete the payment. Why?
You probably haven't sent us your personal details. Anonymous users are prohibited by law from paying at non-Russian stores. To lift this restriction you need to fill out a form and get reviewed status or complete the identification process.
If you are a reviewed or identified user and payment still isn't going through, contact our Support Service.
 

Specific features of the card

What is MasterCard PayPass?
PayPass is a technology that allows you to pay with one tap of your card. If you see the PayPass logo in a store, restaraunt, or other location, all you'll need to do is hold your card over a special reader to pay. If your payment is less than 1,000 rubles, you won't even have to sign the receipt.
We are issuing MasterCard PayPass bank cards as of 23 July 2013.
 
Can I link my Yandex.Money bank card to my account at Yandex.Money?
No. Linking a bank card for payments is a way for you to choose where to pay from: your bank card account or your Yandex.Money account. Whereas when you pay with your Yandex.Money bank card you are always paying with money from your Yandex.Money account.
 
Can the Yandex.Money card be linked to a Svyaznoy Bank card or ‘Kukuruza MasterCard’ for withdrawing funds?
Yes, but to do this, you need to be identified.
Be aware that commission will be charged for such transactions (just like withdrawing cash): 3% of the sum, but no less than 100 rubles.
 
What sum do I need to enter to confirm my request to link my Yandex.Money card to my Svyaznoy Bank card or ‘Kukuruza MasterCard’?
During the test link, your account is charged a random amount (e.g. 5.03 rubles). Additionally, it’s charged for commission on that transaction (100 rubles). In order to confirm the link, specify the amount, excluding commission (5.03). You can always check how much the amount was under payment details in your History.
Thirty days after the linking process is complete the sum specified will be automatically returned to your account. To have the commission returned, contact Yandex.Money Support Service.
 
Are cards protected by 3-D Secure technology?
Yes. By default, 3-D Secure is activated on each Yandex.Money MasterCard. If you use the card for online payments, you will get a one-time text message password for confirming the payment to your linked phone number. You won't be able to pay without entering this password.
 

Text messages and emails

How do I receive text message notifications about all payments?
Enable text message notifications on the Yandex.Money website if you haven’t done so already.
Text message notifications will help you instantly track all transactions made through your account or from your card.
 
How do I receive email notifications about payments?
Specify the email address you want to receive notifications to. The service is free.
 
My SIM-card was issued in Kazakhstan. Why don’t I receive text messages with one-time passwords to confirm transactions under 3-D Secure technology?
Most likely, your cell phone operator is KCell. According to the KCell’s internal rules, it doesn’t accept text messages with 3-D Secure passwords from Russia.
We recommend you buy a SIM-card from another operator and link your new cell phone number to your account. After you do this, it is highly unlikely you’ll have problems receiving passwords.
 

Card cancelation

What should I do if I lost my card or it was stolen?
If you've already activated the card, it must be canceled immediately. To do this, click on ‘Yandex.Money Bank Card’ under Settings and then click ‘Cancel’. Follow the service’s instructions.
If for some reason you can't cancel the card on your own, contact our Support Service at: 8 800 555 8099 (for calls from Russia) or +7 (495) 974 3586 (for calls from outside Russia).
If you haven't activated the card yet, you don’t need to take such urgent measures. But you should still inform us of the incident via this form on our website.
After the lost card is canceled, you can issue a new Yandex.Money bank card at any time.
 
How do I cancel a Yandex.Money bank card?
An activated card can be canceled under Settings. To do this, click on ‘Yandex.Money Bank Card’, and then click ‘Cancel’. After that, just follow the service’s instructions.
If you want to cancel a card you haven't activated, contact our Support Service.
 

Issuing new card

My card has expired. What should I do?
Simply issue a new one. If you linked the card with App Store, Google Play, Yandex.Taxi, or other services, do not forget to update your details.
 
When will my card expire?
The card expires on the last day of the month specified on it. One month before you will get a notification offering you to issue a new card: we will send you an email message and place a special mark near your account balance.
 
How to reissue a card?
If you've forgotten your PIN or lost your card, first of all cancel it, than issue a new one.
If your card is about to expire, issue a new one right away—you will only need to confirm address for delivery and pay a service fee.
Don't forget to activate the card, when you receive it.
 
What will happen to the previous card after I issue a new one?
The previous card will continue to operate until the end of its validity period. But if you activate a new one, the previous card will stop operating immediately.