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Joint-Stock Commercial Bank 'IMEXBANK' has honor to offer you services related
to the use of international plastic cards, EUROCARD/MASTERCARD, Cirrus/Maestro.
Huge infrastructure for settlings with international plastic cards not only throughout
our region, but also within Ukraine and worldwide has been already created. The
principle of this system consists in providing the distant access to the bank
account.
DEBIT PLASTIC CARDS CIRRUS/MAESTRO FOR PHISICAL ENTITIES. The
minimum deposit on card account is UAH250 or USD50.
The limit of balance
is UAH50 or USD10.
Card account opening is free of charge. When you open
the account you receive Cirrus/Maestro card free of charge.
Cash processing
services are UAH20 per year.
Cashless payment is free of charge.
Interest payment each month on the balance of card account is 3% annually
on USD account and 5% annually on UAH account.
Interest payment on the
balance of card account is carried out monthly last calendar day of the month.
The sum of interest increases in the sum of deposit.
Additional cards
are issued to close relatives. You can get more detailed information by
phones:
+38 (0482) 39-28-59 or
+38 (0482) 39-28-69
 Cirrus/Maestro
(Electron)is an individual mass card. Cirrus/Maestro cards aren't expensive so
they are available to people at large. These cards as well as all other products
of Eurocard/ MasterCard system are accepted in any country of the world but only
by electronic way, through an ATM or an electronic payment terminal. As a rule
cash receiving offices, supermarkets and service companies which have an opportunity
to use telephone communication lines as well as necessity to install the terminal
for acceleration of processing by plastic cards have such electronic terminals.
JSCB 'IMEXBANK' can issue and give out Cirrus/Maestro card to the client within
two or three days.
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MasterCard Standard (Classic) is an individual classic card. The owner of Standard
Card by rules of international payment systems has advantages in comparison with
owners of Cirrus/Maestro Cards such as the possibility to make operations as by
electronic ways as by mechanical ones. Eurocard/MasterCard Business Credit Card
is accepted in 120 countries. You can use credit card in hotels, shops, restaurants
and other service companies where Eurocard/ MasterCard symbols are.
Both private
and legal entities whose solvency meets bank requirements can solicit for reception
of Eurocard/MasterCard.
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MasterCard Silver (Business Card) gives you opportunities to pay for goods and
services as well as receive cash through an ATM.
It's ideal card for serious
business!
Universal silver corporate card of Europay International payment
system is intended for those who is able to work and think about tomorrow-day,
for heads and employees of enterprises. Several cards can be issued within one
special card account for legal entity. Thus each card holder is accountable in
the charges to the enterprise.
The card gives you opportunity to receive cash
and pay your charges within Ukraine and abroad without taking money on account
beforehand.
Using EC/MC Business card you can pay business trip charges, representative
expenses and other industrial charges.
EC/MC Business is a visit card of your
well being and solvency in your partner's opinion.
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MasterCard Gold is an individual gold card. The owner of Gold Card by rules of
international payment system has advantages in comparison with the owners of Cirrus/Maestro,
Standard Cards such as discounts at hiring cars, booking hotel rooms or air tickets
and others. Gold cards emphasize your financial solvency and give wider financial
opportunities.
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uses a card?
Nowadays the quantity of issued cards in all countries
has already exceeded 2 billion. Due to statistics each inhabitant in advanced
countries has 2 or 3 cards.
In Ukraine many people also have cards among them
pensioners, businessmen, miners, students and others. The quantity of cards grows
every day and they become an integral part of our life.
What
kinds of cards are there? What's the difference between them?
Nowadays
there is huge quantity of various kinds of cards worldwide. Payment cards can
be divided into two big categories such as debit cards and credit cards.
Debit
cards. Such cards allow using only the money you have on your account. There is
no risk that you will spend more or owe to somebody.
Credit cards allow using
Bank loan. That is you can always rely not only on your money but on Bank one
too. It's very pleasant to know that you can loan money at any time. When the
owner of debit card hasn't got money, the owner of credit card has the possibility
to spend else.
What is the card-account? What is the difference
between a card and a card-account?
The card-account is your bank account
which operations are carried out using a card.
The card is a certificate of
the owner of the card-account.
The card-account can be in hrivnas or US dollars
that depends on your desire.
In case you have chosen hrivna as the currency
of your account it doesn't mean you cannot use your card abroad. It will act the
same as the USD card.
You can open some cards on one card-account.
Where is possible to withdraw cash?
You can withdraw cash in bank
branches or through automated teller machines (ATMs).
If you have the international
card you can withdraw cash in any bank branch or ATM that works with EuroCard/MasterCard
international payment systems.
It's difficult to specify the exact quantity
of the offices throughout the world where you can withdraw cash. More than 415,000
ATMs are established worldwide.
What shops accept the international
cards for payment?
The quantity of trading enterprises and service offices
which accept the international cards for payment exceeds 14 million. In the advanced
countries where payment cards are the integral part of people's life within 30
years you can find shops which accept payment cards even in the most remote and
sparsely populated areas. It's more difficult to pay in cash in some countries
than use a card as cash demand collection, presence of petty cash and other. So
some shops prefer payments by cards.
In Ukraine payment card service hasn't
got such history but even today many enterprises will be glad to serve you using
your card.
What can I do in case of my card loss?
In
case of your card loss you have to address the Bank immediately and block the
card-account. Then it's necessary to write the statement about your card's re-making.
The card will be re-made in the shortest terms and you can use your money again.
Thus, you lose only plastic card but not the money you keep on the card-account.
What can I do if somebody finds my card?
You should inform
the Bank, block the card and order your card's re-making.
It's much safer
to keep money on card-account of the international card than carry money in cash.
I admit there is no money on my card. What
will be if I try to pay off for purchase using a card?
The seller
will put your card in the electronic terminal and will orally ask the Bank for
authorization. If the sum of your purchase exceeds your means you cannot pay it
off.
What currency will I receive money abroad in if my card-account
is carried out in US dollars? What rate of exchange will be?
You'll receive
cash in the currency of a host country that is in hrivnas in Ukraine, in US dollars
in the USA, in lyres in Italy. The rate of converting is chosen by processing
centers of MasterCard payment systems automatically and in most cases it's much
better than the rates that will be proposed to you in the exchange offices. The
profit of converting rates makes up to 3% from the sum in some countries!
In the majority of the countries you won't need cash in big amount as you can
pay off using your card in every shop. Therefore when you leave you won't have
a big sum of unnecessary cash currency. Your money will be on your card-account
safe and integral.
How can I fill up the
card-account?
You can fill up the card-account in any branch of
JSCB 'IMEXBANK' free of charge.
Can anybody except me put money
on my card-account?
Yes, any person can fill up your card-account by paying
cash or by performing a non-cash transfer. The essential elements for non-cash
transfer you can find in section 'Business Card of the Bank' or receive them in
any branch of JSCB 'IMEXBANK'.
What's the profit to receive the
salary using a card?
If your card-account is in US dollars, your salary
in hrivnas will be automatically converted at a favorable rate in dollars and
put on your card-account. It means that your salary won't be exposed to the inflation
that is very favorable.
Additional cards.
If you have a card of JSCB 'IMEXBANK' you can open additional cards for your relatives.
The holders of additional cards get access to your card-account. You can use money
together.
The difference between 'gold'
and other cards.
If you are the holder of a gold card, then you
have achieved a higher level of solvency.
In some cases trading enterprises
and service offices can independently establish privileges to attract the clients
so do not hesitate to ask sellers in the shops about advantages of 'gold' cards.
Where can I order a card?
You can order the international
card in the main office of JSCB 'IMEXBANK'.
Address: 12A Gagarin Avenue, Odessa,
65044, Ukraine.
Phone: +38 (0482) 39-28-59 or +38 (0482) 39-28-69
What term is it possible to receive a card?
Your card will be
ready within 2 or 3 days after you present all necessary documents to the Bank.
Please contact us on +38 (0482) 39-28-59 or ask your questions here.
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