Attention! The size of a one-time payment cannot exceed 15,000 rubles, taking into account all commissions. If you need to pay an amount of more than 15,000 rubles, we recommend that you make several payments through the terminal.

Commission up to 2%

Instant enrollment

The minimum amount is 10 rubles.

The maximum amount is 15,000 rubles.

Please note: if you applied for a loan in Crimean offices, then this payment method is not available to you. There are three payment methods available in this region:

• in the Simferopol office (no commission);
• on the website by bank card (commission 2.4%);
• Bank transaction By details in the contract(transfer time is up to 3 working days, the commission is set by the bank).

Step 1

In the main menu of the terminal, select “Payment for services”.

Step 2

In the list that opens, select “Banks, loans, loans.”

Step 3

Step 4

In the list of microfinance companies that opens, select “DobroZaym”.

Step 5

Enter your mobile number phone.

Step 6

Check that the entered data is correct and click on “Next”.

Step 7

Double-check the entered data again. After that, click “Continue”.

Step 8

Step 9

If you have selected the “Payment by bank card” option, the terminal will prompt you to insert bank card and make a payment using it. Wait for your receipt and save it.

LIST OF PARTNER BANKS!
Banks partners of MKB Bank:

• Raiffeisenbank
• Bank Rosgosstrah
• Alfa Bank
• UniCredit Bank

You can withdraw cash for FREE through their ATMs. And through Alfa Bank ATMs you can top up your debit or credit account, even a credit card, for FREE. Other information can be found at.

Why do MKB clients look for MKB partner banks, where they can make withdrawals without commission? Money? It's simple!

It's no secret that all banks use each other's infrastructure, this also applies to ATMs, for example, Tinkoff Bank There are no ATMs at all. MKB Bank also uses partner ATMs, but to a lesser extent. Many MKB clients are also clients of other banks, and since “their” bank charges its clients a smaller commission or does not charge it at all, it is for this reason that people look for MKB partner banks to withdraw cash without commission or use other services for free.

An ATM is a convenient electronic assistant of the 21st century. With its “support”, you can carry out many transactions for services, as well as receive cash. All manipulations are available only if you have a card.

MKB partner banks, using their ATMs, allow you to:

• make utility payments
• pay taxes
• fines
• loans
• transfer money
• put money on your mobile
• in total, some banks and their ATMs can provide up to 1000 different services

An ATM is an entire electronic complex that is programmed to dispense money from cards and pay for other services, and even to draw up receipts for transactions.

The device itself is a kind of computer, which is combined with a safe, that is, 2 storage facilities at once - for information and for money. All operations with the device take place online, and the data on them is transferred to the bank.

The electronic device is very convenient for paying for services and working with it, since the entire sequence of operations is presented in a dialog box on the ATM monitor; it seems to pose questions, and the client answers them by pressing buttons.

Usually the terminals operate in the language of the user country, but sometimes there are + 1-2 languages ​​(international). The main advantage of ATMs is their location. They are installed both in bank branches and on the street, where they work around the clock. You can get your money using your card at any convenient time of the day or night, since ATMs are ubiquitous.

The ATM cannot be hacked or stolen; it is reliably protected from this. Even if you are attacked while withdrawing cash, you just need to enter your password in reverse order and a signal will be sent to the police department.

ICB partner banks and their ATMs are a multifunctional device; if it services your card, then it has its logo sticker on it. Using the terminal, you can not only withdraw money, but also view your balance, find out the remaining debt on a loan, receive a check, and pay a loan. If you find a terminal with a device for banknotes, you can put funds on the card.

ATTENTION! If you want to use the terminal of MKB Bank partner banks to pay for a loan, then you need to know your details and where your loan was issued.

Some ICB partner banks serve bank clients without commission, but not for all services and not all. Accurate information can be obtained from.

Why do banks charge fees?

The bank charges a commission for using the services it provides. The % of “transactions” is different everywhere. One bank does not charge a commission for “service X”, but another does. When choosing a terminal, you need to familiarize yourself with its “tariffs”.

Read also

How to restructure a loan at MKB Bank

Why do MKB partner banks set a commission? Why do banks charge fees in the first place?

The reasons are as follows:

• terminal owners need to recoup the funds spent on maintaining the device, its cost, money for renting premises, etc.
• making a profit is the most natural reason on which all organizations operate

In some cases, commissions are waived for some services in order to win over clients and gain their trust. However, when withdrawing money from a credit card from an MKB ATM, there is a commission, and MKB partner banks also do the same.

The size of the commission depends on the amount expected to be withdrawn and on the client’s status + a number of other reasons. In any case, a warning about the commission amount will appear on the screen.

Why banks are expanding their network of terminals

Receiving cash through an ATM from a card, either through partner banks of MKB Bank or through MKB ATMs, is a popular way to get cash. And it is popular due to the fact that you can withdraw money from your account in only two ways: either to a bank branch, or through an ATM or terminal. All!

Naturally, no one wants to stand in line at a bank branch, so the vast majority use ATMs of the Moscow Credit Bank or ATMs of MKB partner banks.

Realizing this, credit organizations are trying to expand the prevalence of ATMs throughout the country. In addition, the operation of ATMs is beneficial for the bank; it is much more profitable than opening branches, paying rent and salaries to numerous employees. I installed an ATM - it works, brings in money from commissions and doesn’t ask for porridge.

The main reasons for expanding the network of our own ATMs and the reasons for using ATMs of MKB Bank’s partner banks:

• withdrawing cash from an ATM is the second of two ways to get cash from a card (the first is to a bank branch), due to the popularity of this method, banks are trying to fully monetize it
• The ATM offers a lot of other useful options (payment of housing and communal services, fines, making or receiving transfers, withdrawing cash from cards, including from cards of other banks, repaying loans, replenishing accounts, etc.)
• withdrawing cash from a credit card through ATMs is a special fat piece for the bank; usually for this operation the bank charges an increased commission, on which it lives (some banks generally prohibit withdrawing cash from credit cards under far-fetched pretexts)
• exclusively commercial interest - this is a business, for these services the bank receives money, the services are very profitable for the bank, and the bank does not require additional employees or expenses for maintaining the ATM (except for the cost of the ATM itself and the rental of 1 sq. m of commercial space)
• Each ATM costs money, if you put 100-200 of them at once, you need additional significant turnover, there is always not enough money, but you always want to expand, there is a way out - attracting ICB partner banks, with whom the proceeds are shared taking into account joint agreements

How does auto payment for a loan work?

Automatic payment for a loan works as follows:
1. You enable automatic payment for a loan for the required amount.
2. The bank automatically debits the amount from your card every month.
3. The invoice was paid on time.

How to activate automatic payment for a loan in Sberbank Online?

“Payments” tab → Auto payments → Connect auto payment → in the search, specify “Pay loan” → select desired bank from the list. If the desired bank is not in the list, select “Loans / Transfers to another bank using BIC”.

Personal menu (right) → My auto payments → Connect auto payment → Select the section “Repaying a loan in another bank” → select the desired bank from the list. If the bank you need is not in the list, select “Loans / Transfers to another bank using BIC”.

How can I disable auto payment for a loan?

1. In the Sberbank Online mobile application
“Payments” tab → Automatic payments → find the required autopayment and click “Disable”.
2. In your personal account Sberbank Online
Personal menu (right) → My auto payments → find the desired auto payment and click “Delete”.

Where can I see if my auto payment went through?

All completed auto payments for a loan can be found:

1. In the mobile application
Payments → Auto payments → Auto payment for a loan

2. In your personal account Sberbank Online
Personal menu (right) → My auto payments → Auto payment for a loan

How to print an auto payment receipt for a loan?

In your Sberbank Online personal account:
Personal menu (right) → My Autopayments → Select the payment you are interested in and click “Print receipt”

Can I change the amount or date of auto payment for a loan?

Go to “Edit auto payment for a loan” and change the amount or date of payment. The next day you will receive an SMS message about the change in auto payment, to which you need to send a confirmation in response

Why was my amount debited again? monthly payment, although I have already closed the loan?

When paying the last payment on the loan, you need to close the auto payment for the loan yourself in the mobile application or personal account of Sberbank Online.

Why was the wrong amount written off when I repaid a loan from another bank?

When paying the last payment on a loan, you need to contact the bank where the loan was opened and clarify the amount of the last payment. After that, edit the auto payment for the loan in accordance with the amount, taking into account the kopecks.

The amount you specify when creating an autopayment for the loan is debited. If the monthly payment amount for a loan from another bank has changed, you need to manually edit the auto payment amount for the loan.

Which banks are money transferred to in minutes?

Cetelem, Alfa-Bank, Russian Standard, MTS-Bank, OTP Bank, Sovcombank and Renaissance Credit. It takes up to 3 business days for the money to arrive in your account at all other banks.

In Moscow credit bank- ICD is available credit products, For example, credit cards or mortgage. To pay a card debt through Sberbank Online, all you need is a card number. In your Sberbank personal account, you need to select “Transfer to a card to another bank,” enter the amount and send the payment. Sberbank will charge a commission for the transfer.

To make a mortgage payment, you need to know the MKB details and the borrower's account number. Details are published on the bank's website.

How to top up your MKB account

MKB has services for quickly working with accounts: mobile app and online banking. To top up an account from a card, an entrepreneur goes into the application or Personal Area, selects an account, enters the card number and confirms the payment.

To top up your account through the cash register, just come to the branch with your passport and tell the cashier your account number. You can top up at an ATM from a card that is linked to your account.

You can top up your MKB current account using a card, through a cash register or at an ATM. In the payment instructions, the entrepreneur indicates that this is a deposit of his own money. Otherwise, the tax office will consider the transfer as income and require you to pay tax.

Legal entities cannot replenish their current account through a bank cash desk. A safe way to replenish is to draw up a loan agreement. The contract must indicate the period and interest rate. You can lend without interest if the other founders do not mind. The company repays the debt at the end of the contract term and reflects the transfer in the accounting department.

About MKB Bank

Moscow Credit Bank has been operating since 1992. MKB is among the TOP 3 largest private banks in terms of total assets. In the fall of 2017, the Central Bank included MKB in the list of 11 systemically important banks in Russia - this financial organizations that affect the banking sector.

Moscow Credit Bank(ICB), like many other banks, operates in accordance with current legislation, which provides for the possibility of the borrower repaying any loan ahead of schedule. At the same time, there are no commission fees or additional payments for completing the transaction. There is also no moratorium on repayments.
More details about early repayment in the ICD you can read the terms of the loan agreement -.

There are two types of early repayment:

1. Full repayment.
2. Partial early repayment

Full early repayment of the loan at MKB Bank.

This operation means that the borrower closes the loan in full, having fulfilled his obligations to the bank under the agreement. There is no moratorium or timing. When carrying out the transaction, the client pays the remaining part of the principal debt, and the bank writes off the interest. The algorithm for full early repayment is reflected in the conditions for the provision and repayment of the loan, which are issued to the client along with loan agreement and payment schedule.

If the borrower intends to pay off the debt in full, he must notify the ICB in advance. To do this, five days before the expected date of early repayment, he must come to any bank branch and write a corresponding application. The application form will be issued at the bank or you can pre-fill it at home by downloading it from the MKB website (Appendix 3 of the general conditions for granting and repaying a loan). When filling out the form yourself, the “amount” field must be left blank; it will be calculated at the bank branch.

Example of a payment schedule:

If the borrower decides to close the loan early after 5 months of using the funds, then he in this case you need to deposit 60,729 rubles. Since the recalculation will be done accurate to the day, this amount will change slightly.

Five days from the date on which the bank accepted the application, the borrower must provide the required amount in the account. It is recommended to deposit it through the MKB cash desks, as when transferring through intermediaries there may be delays in the transfer.

Partial early repayment in MKB

In addition to full closure, there is also partial closure, when the borrower contributes a certain amount to reduce the debt. There is also no moratorium on this operation.

The borrower, as in the case of full early repayment, 5 days before the planned date of the transaction, notifies MKB with an application for partial early repayment of the loan. It is filled out when contacting a bank or at home; the form is located on the ICD website (Appendix 4 general conditions loan provision and repayment). The application indicates the date of the transaction and the amount that the borrower will deposit into the account.

After accepting the application, the borrower is obliged to place in the account the amount he indicated in the application within five days. On the date of debiting, the money should already be in the account; it is recommended to deposit funds through MKB cash desks in order to avoid delays in transfers from the intermediary.

On the appointed date, the designated amount is written off as partial early repayment of the loan. The minimum amount for early repayment is 5 thousand rubles (this is according to consumer credit). As a result, the bank changes the monthly payment (early payment with a decrease in the payment amount), the remaining part of the debt is distributed over the same period, and as a result of the operation, the amount of the monthly payment is reduced.

MKB undertakes to create a new payment schedule within 5 days after the partial repayment is made. It will be sent to the borrower by email or it will need to be picked up at a bank branch (the borrower indicates the method for receiving the schedule in the application for partial early repayment). If you need to first estimate what the new payment will be if you pay early, you can use a calculator.

In the early stages of repayment, the borrower may refuse the loan

The new law provides the opportunity to refuse a recently issued loan. If this is a non-targeted loan, then within 14 days the client can contact the bank and, without giving prior notice, immediately close the debt in full with payment of interest according to the number of days of using the loan funds.

If we are talking about target loan, then it is allowed to completely or partially close the loan without prior notice within 30 days from the date of signing the agreement with a similar recalculation of accrued interest according to the number of days on which the borrower used the funds.

If you are a financially literate person, I suggest you try to calculate whether early repayment is profitable for you now. For me, it’s better to open a deposit now. Comparison calculator below

Calculator "Deposit or early repayment"

Bank information

Bank's name