Payment Cards

The number of credit and debit cards issued by Russian Agricultural Bank reached 5 million. At 1 January 2021, RusAg’s ATM and self-service terminals (SST) network comprised 5,847  self-service machines, including 4,216 ATMs and 1,631  SST terminals.

Russian Agricultural Bank is among the most important participants in financial and payment markets. In the mid-term, the Bank intends to become a leading player in developing Russia’s national payment system.

By expanding its payment card business, the Bank increases customers’ options, strengthens the loan portfolio and encourages the use of cards as a payment method, thereby playing an important role in replacing check and cash usage in rural areas.

Payment Cards Services

Russian Agricultural Bank issues debit and credit cards of international payment systems (Visa International, MasterCard Worldwide, China UnionPay, JCB) and the National Payment Cards System MIR for multiple customer segments. The Bank’s cards are customized for personal use, for payroll projects, covering the needs of SMEs and large businesses; for taking out a loan, including special loans for household plot owners; for payroll clients and clients with a positive credit track record; for pensioners; for charitable donations. 

The Bank’s products are adapted for a wide range of customers residing both in rural and urban areas.

With the Bank’s payment cards clients could:

  • Receive cash in ATMs and at cash points of Russian Agricultural Bank located in most of the Russian regions, as well as at ATMs of other banks. The Bank’s ATMs also offer many additional online services such as payments for public utility services, card-to-card money transfers, receive 3D-Secure password, etc.

  • Make payments for goods and services not only in Russia but in many countries around the world, as well as use Russian Agricultural Bank cards for Internet-payments.

  • Contactless payment solutions through Apple Pay for Visa and Mastercard holders; Samsung Pay and Google Pay for Mastercard holders; through Mir Pay for MIR cardholders, Huawei Pay for UnionPay cardholders, Koshelek Pay and SwatchPAY! for Mastercard holders .

  • Use 3D-Secure technology – an extra protection for client’s transactions in the Internet.

  • Use remote banking services and SMS-service to control operations with the card.

  • Cash withdrawal feature at merchants’ POS along a Mastercard and Visa purchase.

  • Participate in promotional events organized by international payment systems (Visa International, MasterCard Worldwide, China UnionPay, JCB) and the National Payment Cards System MIR.

Offices of Russian Agricultural Bank operate in 82 constituents of Russia, including remote, rural communities, where it is especially important to promote cashless settlements. To attain this goal the Bank offers such privileges to cardholders as loyalty programs and customized lending products.

Types of Payment Cards issued by Russian Agricultural Bank

More information on types of cards is available in Russian at 

Fee Schedule

Current fees for operations with payment cards are available at the following link (in Russian).

Supplementary Cards

Russian Agricultural Bank as well issues supplementary cards to the client’s representatives, maximum for two representatives. Category of the supplementary card could not be above the client's card category.

Extra Services

  • SMS-service allows the client to receive information messages on every operation with the card, get information about the current balance and block the card in case of lost.
  • Remote banking services are provided with the use of the Internet Bank  or Mobile Banking.
  • Merchant acquiring services (including mobile acquiring) are provided to a wide range of customers, including small farms and large national retail chains.