61200, Ukraine, Kharkov, Lenina ave 60a

Payment Cards

MasterCard/Eurocard

Today you can buy the thing or service you need in much greater number of shops using more various forms of payment than whenever you did before. Those times when only cash could give you certainty in your own solvency are over.

Nowadays you can pay anything anytime, even when driving your car or flying in the plane, through the Internet, your cell phone or PC.

The Europay International payment system being in the centre of these global changes, is a provider of payment instruments and services for population and finance institutions of the European states.

JSC REAL BANK with pleasure presents to your attention EC/MC Mass и EC/MC Gold payment cards. With these cards, you will be a welcome visitor not only in Europe - more than 13,000,000 best airlines and hotels, shops and restaurants across the world will be at your service.

In case you still need cash, your card won't let you down. You will be able to cash it at more than 260,000 branches and 190,000 bank machines around the world. The amount received will be not less than 300 USD in local equivalent.

Special card account of your card is kept in the national currency of Ukraine. It means that paying anything inside our country is profitable for you. The Bank does not deduct commission for cashless payments inside Ukraine.

If you also want to open a special card account in USD, we'll do it for you too. In this case you will have two current accounts: in hryvnias and in foreign currency ones. It is especially convenient when considering possibility of your account replenishment by yourself as well as by your employer or other persons in a confidential way, including transfers from abroad.

Any time and everywhere ЕС/МС Mass and Gold cards will be your reliable companions. There is nothing impossible for you. A credit line, amount and conditions of which you can discuss with your bank manager, will eliminate any hassles in your business trip or at the rest and allow to manage your own budget more effectively.

Whatever country you are you will always have just the currency you need. In the event there is not enough money on your special card account, the Bank can write the funds off from your special card account in USD, your clearing or currency account. In any of these cases the payments effected by you abroad will be converted into the currency of account at a profitable rate and you will pay less in the end than if paying in cash.

If you do not want JSC REAL Bank to credit your expenses, you are given an opportunity to pay only with the funds put into the card account before. If, though, a short-term credit was received and you could not replenish your account in time, the Bank will automatically write down necessary amount from the reserve account.

Car renting or hotel room reserving is easy and pleasant when using the card. You will be a worthy man in the eyes of people that serve you. You won't have to deposit a pledge - the card will provide it.

Sometimes your card will act as a discount one. You only need to find out in the Bank beforehand whether country or town you are bound for takes part in the "MasterCard Destination Program".

You can get this information (including the catalogues) on the Internet on the server: www.mastercard.com/travelers.

The card will provide you the following advantages:
• Easy access to cash 24 hours a day
• Safety, time efficiency, and quick financial service
• Opportunity to pay for goods and services cashless
• Peace of mind while travelling
• Independence of bank operating hours
• Free insurance policy
• Additional cards for relatives and proxies, service cost for which is beforehand included in the cost of the basic card service.

The use of the ЕС/МС Mass and Gold cards will allow corporate clients to manage expenses for business trips, travels, and representative expenses.

They will help you to rationalise the process of purchases and payments, eliminate problems related to getting money for business trips. Any thing you need may be paid and received without delay.

Upon client's request the Bank will give information on where and when your employees used their cards (spent for month, for purchase, number of purchases a day/month, addresses and names of firms-suppliers). This information may be of special use while drawing up an annual report or planned auditing by the taxation bodies.

ЕС/МС Mass card may be used as a salary one. In this case the procedure and conditions of card issuing may be changed. If you do so, you will considerably simplify salary paying out and show concern for your employees and workers of the bookkeeping.

Sometimes things go wrong way and just this moment there might be nobody around to understand and help you. No matter what country you are right away, you can call the MasterCard Global Service 24 hours a day and a service representative will give you immediate specialist advice about the country in question, take your lost or stolen card report, arrange for a replacement (for new or temporary one) or emergency cash delivery, if necessary, block access to your card.

Worldwide network of toll-free telephone numbers will make your contact with the Global Assistance Centre easy and accessible. And what most important, you will receive specialist advice in your native language.

Your card is missing? Your wallet is lost in a strange country?! Just call your nearest Assistance Centre. It is very important to block the card as soon as possible in order to prevent possible losses. With the MasterCard Global Service, your card will be blocked at once. You should keep a copy of your card number separate from the card itself. It will be of use for well-timed blocking of your card account. If you desire, you will receive a new card or up to $5,000 in local currency directly at the Assistance Centre within one business day. The card may be delivered to your location.

MasterCard Global Service renders owners of the cards the following free services:
• Necessary information on the medical establishments of your place of stay.
• In case of your arrest or detention there will be bail bond assistance and services of qualified lawyer for you.
• In the event of your luggage loss while travelling, an immediate search will be organised and the luggage will be delivered to your location.
• And in the event your tickets or documents are lost, the Worldwide Help Service will take care of it as well.

In any department of the Service or any branch of a bank member of Europay/MasterCard you will be able:
• lost or stolen card report;
• get information on locations of bank machines;
• get in contact with the issuing bank directly.

The insurance programme of owners of EC/MC is intended for any citizen and is effective during your stay outside Ukraine.

List of services and compensations
• Legal assistance in case of a traffic accident (for amount not exceeding $1,500).
• Bail bond assistance in case of a traffic accident (for amount not exceeding $4,000).
• Delay of flight (except CIS countries) for up to 4 hours - 10 USD for each hour, for over 4 hours max 150 USD.
• Urgent care of dentist (for amount not exceeding 150 USD).
• Loss of registered luggage - not more than 100 USD.
• Delay of luggage delivery for up to 4 hours - 20 USD for each hour, for over 4 hours max 100 USD.
• Around-the-clock service of the CORIS first aid. Telephone call through the HOT-line service. Co-ordination of medical situation by the CORIS physicians.
• Any other necessary information for travel, including preliminary information on the country of visit.
• Transmission/delivery of urgent messages, medicines home delivery, car rental, legal advice, interpreter services.
• Ability to work loss in an accident - $3,000. This is in effect all over the world.
• Medical expenses for the first aid (disability or disease) - not more than $30,000.
• Emergency evacuation - not more than $30,000.
• Transport expenses on a member of family home delivery after more than 10-day stay in the hospital - not more than $5,000.
• Death in an accident - $3,000. This is in effect all over the world.
• Repatriation in case of death. - not more than $30,000.

You can familiarise with the commission rates for the services of plastic cards of the international payment systems.