Accounts and Bank Card

Effective December 15, 2015


Relationship maintenance fee1
(for those who became Citigold customers before January 1, 2015):
if the Average Monthly Relationship Balance2 is from RUB 0 to RUB 2 500 000 or equivalent in other currencies
RUB 2 800 per month
if the Average Monthly Relationship Balance2 is equal to or greater than RUB 2 500 000 or equivalent in other currencies
NO FEE
Average Monthly Relationship Balance RUB 2 500 000
Average Monthly Relationship Balance for Three Months RUB 2 500 000
Relationship Balance at End of Calendar Month2 RUB 2 500 000
Relationship maintenance fee1
(for those who became Citigold customers after January 1, 2015):
if the Average Monthly Relationship Balance2 is from RUB 0 to RUB 4 000 000 or equivalent in other currencies
RUB 2 800 per month
if the Average Monthly Relationship Balance2 is equal to or greater than RUB 4 000 000 or equivalent in other currencies
NO FEE
Average Monthly Relationship Balance RUB 4 000 000
Average Monthly Relationship Balance for Three Months RUB 4 000 000
Relationship Balance at End of Calendar Month2 RUB 4 000 000
Issue and maintenance of Citigold debit bank card NO FEE
Minimum number of supplementary bank cards Three
Issue and maintenance of supplementary bank card NO FEE
Pre-term reissue of bank card NO FEE
Urgent issue of bank card NO FEE
Change of main account for your card:
NO FEE
via CitiPhone service operator
NO FEE
Fine for a technical overdraft on the account 35% per annum
Interest rate under savings account in RUB 0,15% p.a.
subject to change at the banks discretion
Interest rate under savings account in USD 0,05% p.a.
subject to change at the banks discretion
Interest rate under savings account in EUR 0,01% p.a.
subject to change at the banks discretion

1 The first two months relationship maintenance fee is waived for those Customers who did not previously hold Citibank accounts linked to any of the bank service packages.

2 As per definition in clause 11.1 of Bank Servicing Conditions for Private Individuals The monthly average balance is calculated by adding up positive daily opening balances under all accounts of the customer held with Citibank during the month and by dividing the amount by the number of days in the month under review. The monthly average balance includes balances of brokerage accounts and securities accounts. Insurance products are not included in the calculation of the monthly average balance.


Please familiarize yourself with the Consumer Banking Terms and Conditions.

This List of Rates shall be integral part of the Bank Servicing Agreement between the Client and AO Citibank may, from time to time, change the level of fees and charges, as well as the structure of services and banking products specified in this List of Rates at its own discretion, as stipulated by the Bank Servicing Conditions.