Document from CIS Legislation database © 2003-2023 SojuzPravoInform LLC

It is registered

Ministry of Justice

Russian Federation

On March 25, 2005 No. 6431

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

(as amended on 28-09-2020)

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 the translation 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.

Warning!!!

This is not a full text of document! Document shown in Demo mode!

If you have active License, please Login, or get License for Full Access.

With Full access you can get: full text of document, original text of document in Russian, attachments (if exist) and see History and Statistics of your work.

Get License for Full Access Now

Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info

Effectively work with search system

Database include more 50000 documents. You can find needed documents using search system. For effective work you can mix any on documents parameters: country, documents type, date range, teams or tags.
More about search system

Get help

If you cannot find the required document, or you do not know where to begin, go to Help section.

In this section, we’ve tried to describe in detail the features and capabilities of the system, as well as the most effective techniques for working with the database.

You also may open the section Frequently asked questions. This section provides answers to questions set by users.

Search engine created by SojuzPravoInform LLC. UI/UX design by Intelliants.