Interbank commissions (IBC) and maximum fees charged by credit institutions from their clients when making funds transfers from individuals to legal entities, individual entrepreneurs,1 and self-employed persons2 via the faster payments service of the Bank of Russia payment system (FPS),3 effective from 1 October 2021
List of operations depending on a payee’s classification and by type of activity4 | IBC rates paid to a payer’s credit institution5 | Maximum fees charged from legal entities (LE), individual entrepreneurs (IE) and self-employed persons6 | Maximum fees charged from individuals6 |
1 | 2 | 3 | 4 |
1st group of operations | |||
1.1. Payment for public services | 0.00% of the transfer amount |
0.00% of the transfer amount |
0.00 rubles |
2st group of operations | |||
2.1. Payment for services of medical and educational institutions | 0.20% of the transfer amount, but not exceeding 750.00 rubles per one transfer | no more than 0.40% of transfer amount, but not exceeding 1,500.00 rubles per one transfer | 0.00 rubles |
2.2. Payment to charities | |||
2.3. Payment for utility services | |||
2.4. Payment for transport infrastructure services | |||
2.5. Payment for telecommunication, information and mail services | |||
2.6. Payment for consumer goods and everyday products | |||
2.7. Payment for pharmaceutical drugs, nutritional supplements, and other medical goods, except for medical equipment | |||
2.8. Payment for insurance services | |||
2.9. Funds transfers to accounts of professional securities market participants and management companies of investment funds, unit investment funds and non-governmental pension funds | |||
2.10. Payment for self-employed persons’ services | |||
3st group of operations | |||
3.1. Operations not included into previous sections | 0.50% of the transfer amount, but not exceeding 1,100.00 rubles per transfer | 0.70% of the transfer amount, but not exceeding 1,500.00 rubles per transfer | 0.00 rubles |
Return of an earlier operations | 0.00% of the transfer amount |
0.00% of the transfer amount |
0.00 rubles |
1 Individual entrepreneurs (IP) are persons who, in accordance with Article 23 of the Civil Code of the Russian Federation, may perform entrepreneurial activity without establishing a legal entity.
2 Self-employed persons are individuals and individual entrepreneurs who are professional income tax payers in accordance with Federal Law No.
3 Except for funds transfer operations that should be carried out free of charge in accordance with Russian laws.
4 A detailed list of operations related to payment for goods, works or services depending on a payee’s classification by type of activity is included in the standard of the operational and payment clearing centre of the faster payments service (OPCC FPS).
5 An IBC is paid by a credit institution (its branch) of a payee to a credit institution (its branch) of a payer when transferring funds of an individual to a legal entity, an individual entrepreneur, or a self-employed person, with the exception of transferring funds transfer is executed between clients of the same credit institution (including its branches).
6 Including cases when a credit institution uses services of the FPS payment infrastructure for the purpose of transferring funds between clients of this credit institution (including its branches).