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Business / Finance

VISA and MasterCard give you a chance "Sberbank" and the "card World"

Alpari.ru Analytics Forex 20.03.2017 at 10:46

Forex market Analyst from Alpari

According to media reports, Visa has allowed acquiring banks take the Commission from cardholders for cash withdrawals at ATMs. It was previously prohibited by rules of payment systems. Soon MasterCard and can also accept a similar condition. We do not exclude that FAS will ask some questions to VISA and MasterCard, as they now occupy in Russia a collective monopoly position in the market of plastic cards and must agree on such innovations with the regulatory authorities.

the Fact resolution at the Commission will not change. More importantly, how this event will react to the banks themselves. Traditionally, the Commission is 0.45% of the amount of the transaction. Some banks shifted the payment of a fee to clients, as part of the independently calculated with the owners of the ATM. The widest network of ATMs of "Sberbank" (about 80 thousand), it is tempting to raise the fee for cash withdrawal: first, it will increase his income, and secondly, prostimulirujte Russians to use sberbankovskuyu card.

on the other hand there is the Bank "Tinkoff" have relied not on the development of its own network of ATMs, and that his cards could withdraw cash from any ATM without a fee. Pay commissions for all transactions he undertook. Now, apparently, "TKS" still have to develop the ATM network. Banks with a small ATM network may be tempted to shift some operating expenses on the customer. But it's a double-edged sword, as those banks that will introduce an additional Commission run the risk of losing some customers. The Russians used to count the money in his pocket, therefore, possible flow of customers in a more receptive financial institutions.

To the national payment system "World" is a chance to fixate on the Russian market of plastic cards. At the moment the "World" has no plans to introduce a resolution on the introduction of an additional fee, and so people have another incentive to pay attention to the domestic system. Certainly, in the first stage there may be some operational problems, but in future years, all processes will be established.