Bank Center-Invest is a regional bank in Russia. The bank's shareholders include the largest European banks. The bank's extensive network of branches, consisting of one hundred and twenty offices, has a large client base. In the southern region of Russia it is one of the most dynamic banks with a high international rating.
The bank offers its clients a package of service programs and financial instruments of a high international level. Let's take a closer look at money transfer tools:
This is a generally accepted international format for money transfers and it has many advantages and features:
To do this, you need to contact a bank office that provides Western Union service. Then fill in. To do this, you need to contact a bank office where the Western Union service is provided. Then fill out the sender's application form indicating the necessary information. Proof of identity will also be required. To do this, it is enough to present your passport.
Pay the transfer amount to the cashier plus payment for the transfer service. As a result, you are given a receipt with a ten-digit code. Send a message to the recipient in a way convenient for you. And you say:
You must follow certain safety precautions. To receive a transfer, the recipient must:
This service is also available to all Russian citizens who have a civil passport (identity card). Using it, you can safely send money throughout Russia and to foreign countries in the format of addressless delivery.
This service has more than sixty thousand service centers, including Center-invest Bank. Transactions are completed in a few minutes using an addressless procedure; for this you need to indicate:
In the specified locality, the recipient can receive money at any point (Golden Crown).
For the convenience of sending through this service, you can go through the official website of the bank. Go to the website and select the item (Golden Crown) of the recipient, indicate the full details of the recipient. Next, provide the phone numbers of the sender and recipient. Confirm the information provided in the application form with your signature. Deposit the required amount plus the cost of the tariff into the bank's cash desk.
You can control all transfer transactions online through the official website (Golden Crown) or through the mobile application.
To clarify the status of your account, you need to go to the bank’s official website in the appropriate option and fill in your data:
REMINDER TO THE CLIENT
Dear Customer!
We are glad that you decided to cooperate with us!
Card of Bank "Center-invest" - this is ease of use, comfort during transactions and the safety of your funds on the card.
Facilities on bank card accounts "Center-invest" insured in accordance with state deposit insurance system.
For For your convenience, we have developed a number of recommendations to help you use your bank card.
Protect the card from exposure to electromagnetic fields.
Do not subject the card to bending or shock.
Do not let the card fall into water.
Do not store the card in high humidity conditions.
Do not allow the card to heat above 60 degrees C.
When you receive the card, be sure to sign it.
Do not give the card to others, avoid leaving it in places where someone can take it and copy the card number along with a sample of your signature.
When using an ATM or terminal, try to ensure that no one can see the PIN code you have entered.
In order to protect your own funds, as well as control the balance of funds in your account, we strongly recommend activating (especially important when traveling) the SMS notification service to your mobile phone. An SMS notification makes it possible to control all your card transactions, promptly monitor the replenishment of your card account, and remind you of the need to reissue the card in advance of its expiration date.
Disclosure of your PIN may result in unauthorized persons using your card.
Do not share your secret PIN with anyone.
Do not write your PIN on the card or in other places where others can read it.
Keep the card in a safe place.
For the security of your money on your card account, the card is automatically blocked if you enter the wrong PIN code 5 times in a row.
If you have forgotten your PIN code, you must contact your bank to reissue the card.
Remember! Your PIN and card are your access to your own money: do not keep your PIN next to your card. This will increase the guarantee of the safety of your funds.
How to top up the card?
Topping up your card account can be done in the following ways:
depositing cash through any office of Center-Invest Bank;
depositing cash through Center-Invest Bank ATMs equipped with devices for accepting cash;
by bank transfer if full account details are available.
Commissions there are charges for depositing funds bank card.
You can find a list of addresses of ATMs and branches of OJSC CB "Center-invest" on our website www . centrinvest . ru
How to pay with a card in a store?
Make sure in advance that there is enough money on the card to make the intended purchase.
To make a payment, hand the card to the cashier.
After completing the payment, the cashier will return your card and receipt.
Do not sign a check (slip) if the amount is not indicated on it or the amount is indicated incorrectly. Don't forget to keep the first copy of the receipt (slip).
The Bank strongly recommends that you save originals or copies of all receipts (slips) received as confirmation of payment by card for goods and services. Keeping these documents ensures protection against inaccurate debits from your account.
Do not allow an employee of a retail/service establishment to take your card into the back room. All card transactions must be carried out in your presence!!!
Don't enter your PIN twice on different devices.
We draw your attention to the fact that an employee of a bank or trade and service organization, when conducting a transaction using a card, has the right to demand a document proving your identity.
We recommend that you take special care and strictly follow the recommendations outlined above when conducting transactions using a bank card in countries of Eastern Europe and the Asia-Pacific region - countries with a high level of fraud.
If you have the slightest suspicion that suspicious transactions have been carried out on your card, you must block the card and contact the bank to re-issue it.
Attention!
By making non-cash payments using a bank card, you can become a participant in bonus programs conducted by the bank together with payment systemsVisa , MasterCard ,retail outlets that accept cards for service. Details about the procedure for holding promotions find out on the official websites Center-invest Bank, payment systems Visa , MasterCard .
How to get cash using a card?
You can get cash at ATMs, bank branches, their branches and cash desks, where there is a sticker with the logo of the payment system of your card (the payment system logo is shown on the front side of the bank card).
Do not agree to conduct questionable transactions (for example, receiving cash or making change at a merchant). Remember: Cash withdrawal by bank card is allowed only at ATMs and bank branches.
Commissions for cash withdrawals are charged in accordance with the terms of your service agreement bank card.
Receiving cash from the bank.
To receive money from a bank you need to have your passport with you. The bank teller will accept your card, enter the amount you want to receive on the payment terminal, and if you need to enter a PIN code, give you the payment terminal remote control (on the remote control of the payment terminal you need to enter the PIN code and press “Enter”). The cashier will give you cash, a check and return the card.
If, during a transaction, the payment system receives information about the withdrawal of the card, you need to obtain a certificate of card withdrawal and contact your bank.
Receiving cash from an ATM.
Before performing an operation at an ATM, inspect its appearance. If you find suspicious devices (an overlay on the card reader, on the front side of the ATM or next to it, in which a camera may be mounted, etc.), do not insert the card into the card reader, contact the Bank and inform us about suspicious ATM.
Please note: a bank card reader to provide access to special enclosed areas where ATMs are installed should not require entering a PIN code. If you have a device installed that requires you to enter a PIN code when entering a room, do not use it.
Make sure the ATM accepts your card. To do this, pay attention to the logo on the ATM (it must match the logo shown on your card).
Insert your card into the ATM acceptor (holding the logo, with the front side facing you) and enter the PIN code, then follow the instructions that appear on the ATM screen.
After receiving cash, wait for the ATM to issue a receipt and pick up the card.
Remember: the ATM responds quickly! ATMs take back unclaimed funds and the card within 30 seconds.
If you do not receive all or part of the requested amount from the ATM, or if for any reason you do not withdraw money from the ATM within 30 seconds, you must contact your bank.
What is the limit for spending transactions on a card?
Why is it needed?
Limit on the map– the maximum amount of cash withdrawals from ATMs and non-cash payments in trade and service enterprises that a client can make in one day.
Limits are set for security to prevent illegal actions to write off the entire amount of funds from the account. For example, if the card was stolen and the client did not have time to immediately block it, the attackers will not be able to cash out the entire amount of funds from the card account at once - the amount will be limited to the daily limit on the card.
Additional services at Center-invest ATMs:
You can always take advantage of the additional services that Center-Invest Bank offers at its ATMs. This:
Mini-statement printout,
Printing out a certificate of loan debt,
Intra-bank transfers (repayment of loans, transfer to deposit),
Transfer from card to card,
Payments to mobile operators, payments for cable and satellite television, payments to Internet providers, etc.
What to do if the ATM does not return the card?
First of all, you need to contact the bank that installed the ATM. The coordinates are usually indicated on the front panel of the ATM. If you are unable to determine the bank that services the ATM, call your bank at 8 800 2009 109, tell us the country, city, street and number of the building in which the ATM is located, specialists will help you clarify the name of the bank and telephone number where to contact. You will speed up and facilitate communication with your bank by giving your card number.
What to do if you lost your card?
If you lose your card, you must report immediately to the bank about the loss by phone 8 800 2009 109 and make a temporary block. For identification purposes, a bank employee may ask you to answer a number of questions. The oral message must be confirmed with a written statement about blocking the card.
Card expiry date.
Your card has a certain validity period. The validity period is indicated on the front side of the card in the format: mm/yy (month/year). The card is valid until the last day of the month of the year indicated on the card. After this period, the card is not accepted for payment at ATMs and terminals. To renew the card, you need to contact the bank in advance.
Blocking the card by the Bank
The card may be blocked by the bank without prior notice for the following reasons:
Violation of contractual terms for payment for bank services (the procedure and terms of payment are determined in accordance with the RATES and terms of your service agreement bank card );
at the request of the bailiff service in accordance with the legislation of the Russian Federation;
in case of termination of the employment contract with the organization that issued the card as part of the salary project;
for security purposes in case of receiving a message from international payment systems about the card being compromised.
To agree on the conditions for unblocking the card, you must contact the bank branch with your passport .
Security measures when making non-cash payment transactions for goods/services via the Internet.
Be careful when conducting transactions via the Internet.
Remember! Transactions on the Internet are considered high-risk operations!
It is advisable to issue a separate card for online transactions
Use measures to quickly monitor the status of your card account - SMS notification about transactions
When conducting transactions in online stores, make sure that the organization’s contact information is available on the website, and if possible, make sure that the address and telephone number indicated on the website are correct. Be careful, websites can be used by scammers, pay on sites that are trustworthy.
When conducting card transactions on the Internet, under no circumstances provide information about your PIN code. Remember - the PIN code is not used when paying online. If you are asked to enter a PIN code on the site, immediately refuse the transaction, contact the Bank and inform us about the suspicious site.
You can take out a payday loan using your Center-Invest card. Money is transferred to both credit and debit cards with an overpayment of 1-2%. The main payment systems are supported - MasterCard, Visa, MIR.
You can borrow the required amount and get an instant loan on your card if:
Obtaining a loan on a card via the Internet is much easier than at a branch of an MFO or bank. The action plan is as follows:
Some cards are not suitable for issuing loans online. If your card is exactly like this, you should apply for a microloan with a transfer, and indicate the card account as the account number. Then all borrowed funds will be transferred to the card.
To transfer to the account, you will need Center-Invest payment details. You can view them in your personal agreement, online banking, mobile application, check with the support service, etc. Another option is to look at the “Details” section on the official Internet resource of Center-invest. Typically, it can be found through the menu on the main page.
