Category: Russian Finance

Posted on

Launched instant Solid card

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

It is now possible to apply for a Solid Instant Issue Card. The instant card is issued to the client on the day of application to the Bank office, as it is non-personalized – the first and last name are not written on the plastic.

The non-personalized (instant) Solid card differs in terms from the personalized Solid card ONLY in the limits on cash withdrawals – they are lower. The other conditions remain the same.

Conditions of the instant Solid card:

• Issue – free,

• Service is free,

• SMS, Push notifications – free,

• Cash withdrawal from ATMs of third-party banks is free of charge,

• 11% per annum on the balance – monthly,

• 3% on everything* – cashback in rubles on all purchases, maximum payout amount – 3,000₽,

• Limits on cash withdrawals from ATMs and cash points: 50,000₽ per day, 300,000₽ per month.

*MCC exceptions for which cashback is not accrued:

6011 – Financial institutions – Automatic cash withdrawal,

6012 – Financial institutions – trade and services,

6538 – money transfers from card to card – write-off,

6010 – Financial institutions – Cash advances at the counter,

6536 – money transfers from card to card – crediting,

4900 – Housing and communal services,

9311 – tax payments,

5933 – pawnshops,

4899 – cable and other pay television services,

9222 – fines,

8661 – religious organizations,

6051 – Quasi-Cash – non-financial institutions,

5973 – religious goods stores,

4814 – Telecommunication services,

6211 – services of brokers in the securities market,

4829 – money transfers,

7995 – gambling.

You can apply for a card throughout the entire Solid Bank network, by link a complete list of cities where we have offices.

Here A collection of tariffs for issuing and servicing bank cards from 11.08.2025, where you will find the full terms of the tariff plan "Solid Card".

Share the news on social networks

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.

Posted on

Solid Bank adjusted rates on ruble deposits for businesses

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Solid Bank has adjusted interest rates on ruble deposits for businesses. The line of deposits contains several options that will suit different goals and opportunities. Businesses only need to choose the option that suits them for placing funds.

At the moment, three ruble deposits remain available:

• Solid-Comfort,

• Solid-Income,

• Weekend overnight.

An offer for accumulating funds for business, aimed at increased and stable income – "Solid-Income".

Conditions:

• Interest rate in the range of 13.1%–16.1% per annum. The rate is floating and depends on the amount and term of the deposit.

• Duration – from 1 to 385 days with the possibility of extension.

• Amount – from 100,000 ₽. Bank specialists are ready to consult any business on an individual basis.

The link provides full terms and conditions of the Solid-Income deposit.

"Solid-Comfort" is suitable for beginners in placing business funds or for those who prefer optional deposits in case of force majeure. According to the terms, clients have access to comfortable options: partial withdrawal and replenishment. More details on the Bank's website.

Conditions:

• The interest rate is in the range of 12.1%–15.1% per annum. Its value also depends on the amount and term of the deposit.

• Amount – from 100,000 ₽. There are no limits on the amount.

• Duration – from 32 to 385 days with the possibility of extension. You can get advice on this offerfollow the link.

With the short-term ruble deposit "Weekend Overnight" a business can receive additional funds in the shortest possible time!

Conditions:

• The interest rate is the value of the key rate current at the time of placement minus 2 percentage points.

• Term – 1 business day (if transactions are carried out on Friday – for the period from Friday to Monday inclusive).

• Amount – from 5 million rubles. We recommend discussing all the details during the consultation. For this Place an order on the website.

Please note that the most attractive interest rates are now set for short-term deposits, with terms from 1 to 60 days.

Make the best financial decisions for your business with Solid Bank!

Share the news on social networks

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.

Posted on

Financial News: Average Market Values of the Full Cost of Consumer Credit (Loan)

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

In accordance with Federal Law No. 353-FZ of December 21, 2013 "On Consumer Credit (Loan)", the Bank of Russia, in the manner established by it, quarterly calculates and publishes the average market value of the full cost of a consumer credit (loan) by categories of consumer credit (loans) separately for credit institutions, microfinance institutions, consumer credit cooperatives, agricultural consumer credit cooperatives, pawnshops based on the data they provide on the values of the full cost of a consumer credit (loan). The period for which the calculation was made is indicated in the heading of each calculation.

At the time of concluding the consumer credit (loan) agreement, the total cost of the consumer credit (loan) in percentage per annum may not exceed the lower of the following values: 292 percent per annum or the average market value of the total cost of the consumer credit (loan) in percentage per annum of the corresponding category of consumer credit (loan) calculated by the Bank of Russia, applied in the corresponding calendar quarter, by more than one third.

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

Posted on

Solid Bank, together with businesses, finds solutions for settlements with foreign counterparties

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Now, for businesses working with foreign counterparties, the question is especially relevant: what methods should be used to conduct payments so that the activity is not only financially transparent and stable, but also profitable?

Transactions with foreign partners usually involve settlements in foreign currency, and the global situation can have a significant impact on current business processes. How to survive during turbulence? How to not only keep track of changes, but also be able to quickly adapt to them so that business activity does not slow down?

Anastasia Kondratenko, Head of the Department for Development of Foreign Economic Activity of JSC Solid Bank, shared her opinion on this matter: “It is important for a business to find a partner who will undertake the analysis of new realities, the search for alternative ways to conduct your business. And it is also important that they will be able to conduct international settlements with counterparties in a high-quality and reliable manner, and will also provide full support for your transactions. Here it is definitely worth trusting the professionals.”

Solid Bank has been a financial partner for over 30 years, helping businesses with solutions for foreign economic activity. Thanks to an optimally formed network of foreign correspondent banks, speed and absolute reliability in settlements with minimal costs are ensured. The Bank also acts as a currency control agent, and the professionalism of its employees allows you to look at the current currency legislation and ensure its compliance. Cooperation between your business and the Bank can be as effective as possible!

You can learn more about Solid Bank's currency transfer capabilities, by leaving a request for consultation on the bank's website.

The Solid Bank expert emphasized: "Business and banks have faced restrictions and sanctions in the last couple of years in the area of foreign economic activity and currency transfers. Nevertheless, we manage to offer new solutions to clients and stabilize our activities. Many processes have already been established, we regularly adapt and expand our capabilities for corporate and private clients, work on the correspondent network, tariffs, channels, and try to be flexible in matters of foreign currency conversion. We do everything possible on the part of the bank to support businesses of any scale, help them stay afloat and not lose touch with partners abroad."

Solid Bank has developed and offers in 2025 packages of the most necessary services for doing business, which are optimized for any scale and type of activity. Including RKO packages in foreign currency. In order to freely conduct foreign economic activity, we recommend that businesses familiarize themselves with RKO Currency package.

What additional benefits can a business receive with RKO from Solid Bank?

∙ the ability to connect to Internet banking for remote servicing,

∙ the possibility of issuing a corporate card to pay expenses related to the business or core activities of the organization, including overhead, entertainment, transportation and travel expenses; as well as to receive cash,

∙ work with a personal manager,

∙ the ability to save up to 50% on RKO expenses,

∙ timely settlements with counterparties,

∙ the ability to connect a salary project and simplify the process of issuing salaries to employees,

∙ service support from the Bank.

Your business can find a reliable financial partner. Since 1991, Solid Bank has been offering its unique experience and banking services.

Reference information

JSC Solid Bank is a universal commercial bank founded in 1991 in Kamchatka. In 2017, the head office was moved to Vladivostok. The bank's offices are located throughout the country: in the Far Eastern Federal District, Siberian Federal District, Tatarstan, Udmurtia, Bashkiria, Moscow, Tula, Yekaterinburg, St. Petersburg. Most of the offices are located in the Far East. For over 30 years, JSC Solid Bank has been providing a full range of services to businesses and private clients. General license of the Central Bank of the Russian Federation No. 1329 dated 05/25/2017. Reference information

JSC Solid Bank is a universal commercial bank founded in 1991 in Kamchatka. In 2017, the head office was moved to Vladivostok. The bank's offices are located throughout the country: in the Far Eastern Federal District, Siberian Federal District, Tatarstan, Udmurtia, Bashkiria, Moscow, Tula, Yekaterinburg, and St. Petersburg. Most of the offices are located in the Far East. For over 30 years, JSC Solid Bank has been providing a full range of services to businesses and private clients. General license of the Central Bank of the Russian Federation No. 1329 dated May 25, 2017.

Share the news on social networks

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.

Posted on

Let's make your maps better!

Translation. Region: Russian Federal

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers, holders of Solid Bank debit cards! We inform you that from September 1, Solid Bank will archive some tariff plans (TP) of current bank cards. And your cards will be transferred to improved conditions!

Which tariff plans will this affect?

• Social,

• Close people,

• Profitable,

• Youth,

• Paying is easy,

• Free issue,

• Instant,

• Solid Premium.

What are the conditions for the transfer?

Solid Bank will transfer clients to the Solid Card tariff plan, with the following conditions:

• service is free,

• sms, push notifications – free,

• cash withdrawal from ATMs of third-party banks – free of charge,

• issue of 1 additional card to the account – free of charge,

• issue of 3 additional cards under the “Children’s Card” tariff plan to the account – free of charge,

• issue of a payment sticker – 500₽,

• 11% annual interest accrual on the account balance – monthly,

• 3% – cashback in rubles on all purchases, maximum payout amount – 3,000₽,

• Limits on cash withdrawals from ATMs and cash points: 300,000₽ per day, 1,000,000₽ per month.

Is it possible to keep your tariff plan?

Yes, it is possible. If you want to refuse the new more favorable one and keep the current conditions, you must contact the bank office before September 1, 2025.

We invite you to familiarize yourself with the terms of the Solid Card on the website by link. And also study the full collection of tariffs for cards Here. You need a collection on the issue and servicing of bank cards from 08/11/2025.

If you have any questions, you can contact our hotline: 8 800 775 56 06 (free call within Russia) or Official community of Solid Bank in Vkontakte.

Share the news on social networks

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.

Posted on

Financial news: Composition and structure of information and electronic documents provided for by the Bank of Russia Regulation dated 18.08.2019 No. 690-P (Description of formats "Bank guarantees") application from 14.12.2025

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

The composition and structure of information and electronic documents provided for by the Bank of Russia Regulation of 18.08.2019 No. 690-P "On the procedure for the transfer by banks to customs authorities, as well as by customs authorities to banks of electronic documents signed with an enhanced qualified electronic signature, and information in electronic form provided for in Article 61 of the Federal Law of 3 August 2018 No. 289-FZ "On customs regulation in the Russian Federation and on amendments to certain legislative acts of the Russian Federation"

valid from 14.12.2025

Related documents (1)

new codes (080100 and 080300) for cases of securing obligations are applied from 01.07.2024

Related documents (1)

updated xsd schema, supplemented with new attributes (MCHD1 and MCHD2), applied from 01.09.2024

02/25/2025

Valid from 01.04.2025

Formats of electronic messages for data exchange with the Federal Customs Service in accordance with the requirements of the Bank of Russia Regulation of 30.11.2012 No. 390-P "On the procedure for sending a customs authority decision to a bank in electronic form"

Rules for compiling and submitting information in electronic form, as provided for by Bank of Russia Instruction No. 4512-U of August 30, 2017 "On the volume and procedure for transferring information by authorized banks as currency control agents to currency control authorities"

Formats of electronic messages for data exchange in accordance with the requirements of the Bank of Russia Regulation dated November 30, 2020 No. 741-P "On the procedure for sending individual documents of the customs authority to the bank in the form of electronic documents by the customs authority, sending messages by the bank to the customs authority containing information on the balances of funds (precious metals) in the accounts of the payer (person bearing joint liability) in the bank and information on the balances of electronic funds, as well as on establishing the date of receipt by the bank of individual decisions of the customs authority"

Structures and formats of electronic documents provided for by Bank of Russia Regulation No. 788-P dated 20.01.2022 "On the procedure for submitting information on goods declarations to authorized banks by resident legal entities participating in international exhibitions when crediting cash received from the sale of exhibition samples of jewelry at the venue of international exhibitions and imported into the Russian Federation to their bank accounts, the procedure and terms for exchanging information on goods declarations between authorized banks and the Bank of Russia after crediting such funds to the bank accounts of resident legal entities participating in international exhibitions, as well as the procedure and terms for transferring information on the crediting of such funds to the bank accounts of resident legal entities participating in international exhibitions by authorized banks to the federal executive body authorized in the field of customs affairs"

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

Posted on

Cars are already unpopular – car loan issuance collapsed in Russia

Translation. Region: Russian Federal

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

How was the situation on the car loan market in June?

Demand for cars traditionally increases in late spring and early summer, which also affects popularity car loansHowever, in June of this year, the issuance of this type of targeted loans collapsed, the NKBI recorded:

a 41% drop in the number of car loans issued compared to June 2024; a 7.8% increase compared to May in the number of loans issued – to almost 90 thousand units; a 47% decrease in the annual volume of loans issued – to 116 billion rubles; an 11% increase in the total amount of car loans issued compared to May 2025.

The leaders in the number of loans provided for the purchase of a car were the largest regions of the country – Moscow Region, Moscow, Tatarstan, St. Petersburg, Krasnodar Region.

What happened with the issuance of other types of loans in the first month of summer?

Another credit bureau (OKB) has revealed the behavior of borrowers at the end of June across the entire retail lending segment: Russians took out loans in banks 2.8 million loans for 820 billion rubles. Statistics show that:

Number of issued per month credits increased by 1%, the amount by 7%; in annual terms, on the contrary, a decrease in the number of loans received by 55%, the volume by 59% was recorded; the most popular among Russians were mortgage loans – 35% of the total number, cash loans – 31%, car loans And credit cards – 16% each; Moscow and the region, St. Petersburg, Krasnodar and Tatarstan were also leaders in the number of loans issued.

“Russians were reluctant to take out loans in June due to high interest rates and the expectation of a decision by the Central Bank of the Russian Federation: this position turned out to be justified, since already in July the regulator reduced the key rate by 2 percentage points, which led to banks revising their terms,” the expert shared.

However, experts agree that mortgages and car loans will become maximally accessible to Russians no earlier than spring 2026. There is no point in expecting a sharp reduction in rates – banks will act cautiously, trying to both support demand and mitigate the risks caused by the low solvency of the population.

09:00 12.08.2025

Source:

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.

Posted on

Financial news: Preliminary XBRL taxonomy of the Bank of Russia version 7.1.0.1 (for operators, insurance organizations, PURTSB)

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

The taxonomy for the presentation of information on request (version 4.3.0.2) is intended for the presentation to the Bank of Russia of information submitted on request of the Bank of Russia and is to be used when sending the following information to the Bank of Russia:

Submission of information from credit history bureaus to the Bank of Russia starting from the reporting date of 2022-06-30 (in accordance withThe procedure for preparing and submitting information from credit history bureaus to the Bank of Russia upon request). Submission of information by insurers to the Bank of Russia starting from the reporting date 2022-07-01 (for interperiod reporting dates, i.e. reporting dates other than 31.01, 28.02, 31.03, 30.04, 31.05, 30.06, 31.07, 31.08, 30.09, 31.10, 30.11, 31.12).

Please note that for the purposes of submitting supervisory reports and accounting (financial) reports of credit history bureaus to the Bank of Russia (in accordance with Bank of Russia Instruction No. 5851-U dated 09.07.2021 "On the forms, procedure and terms for compiling and submitting reports of credit history bureaus to the Bank of Russia"), the Bank of Russia Final XBRL Taxonomy (version 4.3), published on the official website of the Bank of Russia, should continue to be used.

For the purposes of submitting supervisory and statistical reports of insurers to the Bank of Russia (in accordance with Bank of Russia Instruction No. 5724-U dated 03.02.2021 "On the forms, terms and procedure for compiling and submitting reports of insurers to the Bank of Russia"), the Bank of Russia Final XBRL Taxonomy (version 4.2), published on the official website of the Bank of Russia, should continue to be used.

For the purposes of submitting accounting (financial) statements of insurers to the Bank of Russia, the Bank of Russia Final XBRL Taxonomy (version 4.3), published on the official website of the Bank of Russia, should continue to be used.

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

Posted on

With concern for demography – credit holidays for families with children will appear in Russia

Translation. Region: Russian Federal

Source: Mainfin Bank –

An important disclaimer is at the bottom of this article.

How do loan holidays work for Russians now?

The opportunity to apply for credit holidays appeared for Russians during the pandemic – later the mechanism was finalized and implemented on a permanent basis. The borrower has the right to expect debt restructuring if the following conditions are met:

size loan does not exceed the established limit (from 150 thousand to 15 million rubles, depending on the type credit); previously, restructuring was not carried out, and a deferment for participants of the SVO or their close relatives under this agreement was not provided; the client's debt was not transferred for collection to the FSSP, the borrower is not undergoing bankruptcy proceedings; for mortgage contracts – the acquired housing is the only one; the citizen found himself in a difficult life situation associated with a deterioration in his financial situation.

The deferment is granted to borrowers who have lost their jobs, faced a decrease in income, an increase in debt burden, an increase in the number of dependents, and also if they live in an emergency zone.

What amendments does the Ministry of Finance propose to stimulate the birth rate?

The Ministry of Finance has developed amendments that will allow borrowers to receive a holiday when they have children. The deferment will work in two cases:

if the first child is born (adopted), income has decreased by at least 20%, and loan payments exceed 40% of the family budget – the benefit will be provided for a period of up to six months; if the second or subsequent child is born (adopted) – within 180 days you can contact the bank and get a holiday for a period of up to 18 months, six of which interest will not be charged.

The bill provides for the allocation of families into a separate group of persons who are eligible for the benefit. The measure is intended to improve demographics.

Will support measures for families be effective?

The idea of long credit holidays is an innovation supported by the authorities, including the Ministry of Finance and the government. It is assumed that the amendments will stimulate the birth rate and will temporarily improve the financial situation of families with children. However, banks criticized the initiative, considering the benefit excessive and even unfair.

“The social benefit in the form of credit holidays will be provided at the expense of banks – from those funds that could have been used to pay interest on deposits or dividends,” experts note.

At the same time, credit holidays remain a popular financial instrument – over a period of about a year, over 5 million Russians have submitted applications for restructuring, most of whom received deferments within the framework of their own banks' programs. Over 700 thousand borrowers have used the benefit provided by law.

09:00 05.08.2025

Source:

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.

Posted on

Financial news: Conclusion of contracts based on procurement results in the form of an electronic document

Translation. Region: Russian Federal

Source: Central Bank of Russia –

An important disclaimer is at the bottom of this article.

In the process of carrying out procurement, the Bank of Russia is guided by the following principles:

information openness and transparency of procurement; prevention of restrictions on competition; prevention of corruption and other abuses in the procurement sphere; efficient use of funds for the purchase of goods, works, and services.

The Bank of Russia adheres to the principles of social and environmental responsibility and supports the use of these approaches by suppliers (contractors, performers) participating in Bank of Russia procurement.

When conducting procurement, the Bank of Russia focuses on satisfying needs through goods of Russian origin, goods originating from the member states of the Eurasian Economic Union, works (services) performed (provided) by Russian legal entities and individuals, including those registered as individual entrepreneurs, foreign legal entities and citizens registered in the territory of the member states of the Eurasian Economic Union.

Decisions in the procurement process are made by the permanent collegial body of the Bank of Russia – the Procurement Commission – within the framework of the powers defined by regulatory and other acts of the Bank of Russia.

The procurement activities of the Bank of Russia are carried out in accordance withBy the Regulation of the Bank of Russia dated 01.03.2018 No. 632-P "On purchases of the Central Bank of the Russian Federation (Bank of Russia)", posted on the official website of the Bank of Russia in accordance with Article 88 of the Treaty on the Eurasian Economic Union (Astana, May 29, 2014), ratified in accordance with Federal Law No. 279-FZ of October 3, 2014.

Annual procurement plan of the Bank of Russia

Purchases by the Bank of Russia are carried out in accordance with the annual purchase plan of the Bank of Russia, which contains information on planned and completed purchases by the Bank of Russia.

The annual procurement plan of the Bank of Russia is not a public offer and does not entail legal consequences for the Bank of Russia.

The annual procurement plan of the Bank of Russia may be adjusted in the event of a change in the need for goods (works, services).

Information on procurement

All information on the Bank of Russia's procurement, as well as procurement documentation, are posted on the website of the electronic trading platform "Sber A".

In connection with the amendments to the Federal Law of April 6, 2011 No. 63-FZ "On Electronic Signature", providing for the application of new rules for the accreditation of certification authorities (CA), we recommend that, in order to ensure participation in the Bank of Russia's procurement in electronic form, you verify the validity of the certificates of qualified electronic signature issued by the CA by checking the presence of the CA that issued you the certificates in the list of accredited CAs and the terms of their accreditation, posted onon the website of the Ministry of Digital Development of Russia.

Please note: This information is raw content obtained directly from the source of the information. It is an accurate report of what the source claims and does not necessarily reflect the position of MIL-OSI or its clients.

.