Комиссии банков при конвертации валюты при расчетах рублевой кредитной картой VISA

Отчет о прибылях и убытках банка за 3 кв. 2007 г., где в разделе "Доходы" фигурирует позиция № 7.2 "Комиссия полученная ...По расчетным операциям. IOF здесь или в позиции № 3.1 "Доходы, полученные от операций с иностранной валютой"?

Банк же говорит, что это обычное информационное письмо, которое они прочитали и выбросили.

Посоветуйте, пожалуйста, какого-нибудь аудитора, который занимается кредитными организациями!

Что есть "большая четверка"?

У меня предложение ко ВСЕМ, пострадавшим либо считающим себя пострадавшими от действий Райффайзенбанка, связанных с взиманием этим банком (при отсутствии информации об этом в тарифах) комиссии за конвертацию при расчетах рублевой кредитной картой VISA за границей! Пишите мне на мыло. Я думаю, таких как я много, просто не всем хочется этим заниматься! Мы обратимся в прокуратуру. Налицо состав по ст. 159 Уголовного кодекса "Мошенничество". Если нас будет много - на нас обратят внимание!

Загляните, пожалуйста, в почтовый ящик, я отправила Вам письмо!

Задавшись вопросом об ISAи Issuer Optional fee (он же Optional issuer fee, IOF, OIF-используются вперемежку), нашёл подробную информацию в заграничном Интернете.

Вот выдержка из официального сайта Visa по поводу ISA:
( http://www.corporate.visa.com/pd/consumer_ex_faq.j... )

Has Visa changed its fee structure for international transactions?
Effective April 2, Visa assesses a 1% International Service Assessment (ISA). The ISA is not a currency conversion fee but rather a charge to issuing banks when transactions use the global payment system. It is not a charge to cardholders. The ISA will also be charged to Issuers on same currency, cross-border transactions like DCC. Visa will no longer charge issuing banks the 1% Multicurrency conversion fee. It is important to note that Issuing banks determine the cardholder pricing structure. If you frequently travel internationally, the different pricing structures charged by issuing banks should be one of the factors you take into consideration when you select the Visa card that best suits your needs, just as you would compare annual fees, interest rates and rewards programs.


На практике всё значительно сложнее. Вот подробное описание политики Visa при трансграничных платежах (настоятельно рекомендую всем ознакомиться со статьей досконально-полезнейшая статья):
( http://www.ewenuq.bdw.com/publications/retailalert... )
Если вкратце, то
- начиная с 15 апреля 2005г, Visa отменила 1% Multucurrency conversation charge (MCC), который ранее учитывался уже при расчёте обменных курсов самой Visa и взыскивался с владельцев карт, причём для владельцев карт MCC был незаконно скрыт, из-за чего Visa вошла в конфликт с рядом государств.
- Теперь VISA получает не с владельцев карт, а с банков-эмитентов в случае трансграничных платежей уже не скрываемые 1% “International Service Assesment”.
- Банки же самостоятельно решают, в каком виде компенсировать (или нет…) выплаты ISA. Это может быть и абонентская плата, другие платежи. Но основным рекомендуемым механизмом является “Optional Issuer Fee” (OIF), который каждый банк сообщает Visa, а затем обменный курс национальных валют VISA калькулирует уже индивидуально для каждого банка. Тем не менее, в распечатке для клиента строчки по OIF обязательно должны идти отдельной строкой (требование возникло после ряда громких судебных процессов). Вот только в России этих строчек нет по-прежнему…
- Visa настоятельно требует рекомендует информировать клиентов о новом механизме удержания процентов, с акцентом в новых договорах на то, что инициатива взыскания OIF и его размер исходят не от Visa, а от Банка-эмитента.
- Visa настоятельно рекомендует вставить строчки о новом механизме в Договор с клиентом (Вы у какого-нибудь Банка в России видели это?), но в минимальном виде, например как в http://www.alliantcreditunion.org/pdf/VISA_Disclos...
- Foreign Transactions. Purchases and cash withdrawals made in foreign
- countries and foreign currencies will be debited from your account in US dollars.
- The exchange rate for transactions in a foreign currency will be a rate selected by
- Visa from the range of rates available in wholesale currency markets for the
- applicable central processing date, which rate may vary from the rate Visa itself
- receives, or the government mandated rate in effect for the applicable central
- processing date, plus 1%. The currency conversion rate used on the processing
- date may differ from the rate that would have been used on the purchase date or
- cardholder statement posting date. A 1% International Transaction Fee will be
- assessed on all transactions where the merchant country differs from the country
- of the card issuer. The converted transaction amount will be shown separately
- from the International Transaction Fee on your billing statement. This fee will be
- assessed on all international purchases, credit vouchers, and cash disbursements.

На практике же Банки-эмитенты в России не то, чтобы не информируют клиентов, а наоборот, скрывают как размер, так и сам факт существования OIF. Не верите? Попробуйте в письменном или устном виде, или ином виде узнать в Вашем Банке размер OIF…
Лично мне из двух десятков московских банков удалось это сделать только в BSGV (2.5%), Райффайзенбанке(0%), Сбербанке(0.6%, но почему то на практике получается около 2%), Промсвязьбанке(0%), Ситибанке(2.5%).
Внешторгбанк, Внешторгбанк24, Росбанк, Альфабанк вообще ушли в отказ, отказываясь даже отвечать на вопрос (что характеризует как сами банки, так и начальников отделов пластиковых карт этих Банков).

p.s. Далее процитирую ещё несколько статей, раскрывающие тонкости механизма. Вот отрывки из ссылки:
( http://www.cunamutual.com/cmg/addedDimensions/arti... )
Цитирую:
MasterCard and Visa have both made recent policy changes related to foreign transaction fees for credit and debit cards. And more changes may be coming soon, so preparing new disclosures for cardholders may not be a good idea just yet.
This is a good time, however, for an update on these fee changes, disclosures, and compliance deadlines.
MasterCard compliance date delayed
In April 2005, MasterCard announced new cross-border transaction pricing: an 80-basis-point fee for transactions made outside the United States, regardless of whether it was conducted in U.S. dollars. In addition, if these transactions are made in foreign currency, MasterCard will charge a conversion fee of 20 basis points.
These two fees would be charged to the card issuer, which can decide to pass them along to cardholders. If that happens, the fees must be disclosed to cardholders.
MasterCard required new disclosures regarding these changes, and originally required card issuers to make the disclosures by October 1, 2005, for new accounts, and by April 1, 2006, for existing cardholders.
On Aug. 16, 2005, MasterCard announced a delay in those dates. The new effective dates for the disclosures are April 7, 2006, for new cardholder agreements and October 14, 2006, for existing cardholder agreements.
We don't recommend creating new disclosures to comply with MasterCard's changes yet. Discussions with MasterCard indicate that the company is considering further changes in how cross-border transactional fees are assessed. These changes may affect the content of the disclosures.
As of early September, the company could not confirm when or if it will make those additional changes.
Visa changes conversion fee, then backpedals
Another signal that MasterCard may have further changes in store is that Visa changed its cross-border transaction procedures this spring, and later reversed itself.
On April 2, 2005, changes went into effect on Visa's International Service Assessment (ISA) fees. ISA fees of 1% began to be charged directly to the card issuer. Card issuers can pass the fee on to cardholders in one of two ways: by adding an adjustment amount, a "conversion fee," to the exchange rate for currency conversions; or by charging a fee for all foreign transactions.
After credit unions had made the changes to their documents and informed members, Visa made a change, effective June 9, 2005. Visa said the ISA fee would not be charged on transactions originated in U.S. currency, even if the transaction took place in a foreign nation.

Вот ещё одна выдержка из Интернета:
http://www.complianceheadquarters.com/Deposit_Ops/...
Visa© Changes International Service Assessment—On June 1, 2005, Visa announced changes to how it will be charging the recently implemented International Service Assessment (ISA). Effective June 9, 2005, depending on whether the transaction is a Plus or Visa transaction, Visa will: 1) not charge the ISA unless there was a currency conversion; or 2) charge the ISA but reimburse card issuers on cross-border transactions that did not involve a currency conversion. Similarly, Visa has stated that it will reimburse the ISA to card issuers for transactions between April 2, 2005 and June 8, 2005 that did not involve a currency conversion. In response, Bankers Systems has updated the currency conversion disclosure language we offer in our account opening disclosure documentation as well as the disclosure inserts that were created when the ISA was first implemented.

Institutions are encouraged to discuss these changes with legal counsel and business partners to help determine their course of action.

MasterCard© to Charge New Cross-Border Fees—On April 1, 2005, MasterCard announced that, effective October 1, 2005, they will be changing the way they charge card issuing institutions for cross-border transactions. Instead of the 1% currency conversion fee currently used, MasterCard will charge issuers a Currency Conversion Assessment of 20 basis points for performing the currency conversion. In addition, MasterCard will charge issuers an Issuer Cross-Border Assessment of 80 basis points on all cross-border transactions. The Cross-Border Assessment will be charged regardless of whether there is a currency conversion. In addition, MasterCard has stated that if an issuer passes on either fee to the cardholder, that the issuer will then need to disclose to the cardholder the fee that the issuer pays MasterCard.

Bankers Systems, Inc., is creating three disclosure inserts to help institutions educate cardholders about these changes. The inserts are designed to work as a Regulation E change notice. We are also updating the MasterCard text options we offer in our account opening disclosure documentation.

Institutions are encouraged to discuss these changes with legal counsel and business partners to help determine their course of action.

Visa and MasterCard Member Rules—Institutions are reminded that compliance with Visa or MasterCard member rules is not mandated by government statute, rule, or regulation but instead is a matter of contract law between Visa or MasterCard and the financial institution. Bankers Systems is not a member of either the Visa or MasterCard network and as such does not directly monitor or receive information related to these private rules or changes to them. (posted 7/13/05)
VISA® Clarifies Currency Conversion Disclosures - On November 3, 2004, VISA issued a Member Rules News Bulletin indicating it had revised its disclosure of exchange rate information relating to currency conversion. While this revision is not a regulatory requirement, financial institutions who offer VISA debit cards must comply on a contractual basis with the new requirement.

Since the release of the November 2004 bulletin, Visa has clarified that its 1% international service assessment fee will apply to all international transactions regardless of whether there is actually a currency conversion. Consider the following examples:

Example 1: A cardholder is traveling in a foreign country and uses his or her Visa card for hotels expenses. The bill is charged in the foreign currency. Visa charges a fee for this conversion.
Example 2: A cardholder makes a purchase via the Internet and the merchant is located in a foreign country. The merchant will process the charge in U.S. dollars. Visa charges a fee for this international transaction even though there was not currency conversion involved.

Unfortunately, currency conversion disclosure language provided by Visa does not address charging a fee on an international transaction where there is no currency conversion. Despite the lack of language, financial institutions offering Visa debit cards will need to properly contract for the international service assessment fee. The VISA Member Rules News Bulletin indicates these disclosures must be given to each cardholder in writing by April 2, 2005.

Bankers Systems has included the currency conversion disclosure language in its account opening disclosure documentation and has created disclosure inserts to address the international service assessment fee. For more information regarding Bankers Systems’ documentation on this issue, click here. (posted 2/24/05)
Visa/Mastercard create new disclosures - Visa is requiring an exchange rate disclosure that is not the result of a government statute, rule, or regulation, but rather is imposed as a matter of contract between Visa and its card issuer customers. We understand that Visa is requiring its card issuer customers to disclose to each of their cardholders in writing by April 2, 2005 that the exchange rate between transaction currency and billing currency used for processing international transactions is:
“A rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or

“The government-mandated rate in effect for the applicable central processing date,
“in each instance, plus or minus an adjustment determined by the Issuer.”
Along these same lines, MasterCard is imposing a security disclosure requirement that also is not the result of a government statute, rule, or regulation, but rather is imposed as a matter of contract between CIRRUS and its card issuer customers. We understand that CIRRUS is requiring its card issuing customers to provide the following statement to their debit or ATM cardholders:
“Never enter the PIN in any terminal that does not look genuine, has been modified, has a suspicious device attached, or is operating in
a suspicious manner.”
For more information on these disclosures, contact your Visa or Mastercard sales office. (posted 2/8/05)

А вот две ссылки по правоприменительной практике:
1) http://www.usatoday.com/travel/news/2005-04-21-car...
2) http://www.smartertravel.com/advice/ed/advice.php?...

p.p.s Между прочим, в ссылках выше есть информация, что с 1 октября 2005г подобный механизм при трансграничных платежах введён и в Mastercard. Ваши комментарии?

Источник этого легального определения?

Взимается ли IOF при расчетах дебитовыми картами? Если эта карта в рублях? Если это долларовая карта или карт-счет в евро?

EPV! Я отправила Вам письмо о судебном заседании.