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Cash Transaction

Currency Buy Sell
EUR RUB 79.6580 84.3180
EUR CHF 1.0445 1.0911
EUR USD 1.1450 1.1850
EUR GBP 0.8337 0.8583

Non-cash Transaction

Currency Buy Sell
EUR RUB 81.1986 82.3659
EUR CHF 1.0605 1.0722
EUR USD 1.1623 1.1723
EUR GBP 0.8428 0.8489

SEPA Direct Debit

A Direct Debit is a payment instruction provided by a client (Payer) to the creditor organisation/service provider (Payee) in the form of a Direct Debit Mandate. The Direct Debit allows the Payer's bank to debit the Payer's account for variable or fixed amounts claimed by the Payee at predefined regular intervals. The main difference between a standing order and a Direct Debit is that a standing order is arranged by the Payer and is for a fixed amount, whereas a Direct Debit is specified and collected directly by the Payee for an amount which might not be known in advance.

The SEPA Direct Debit scheme is a pan-European service introduced by the European Payments Council (EPC) which allows clients to pay for goods or services throughout the entire SEPA area (EU, Norway, Iceland, Lichtenstein and Switzerland) using a standardized Direct Debit product, easily, securely and efficiently.

If you want to set up a Direct Debit for payment of your utility bills, insurance premiums, taxes etc. you should sign a SEPA Direct Debit Mandate with the Payee directly. SEPA Direct Debits are processed by the Bank according to SEPA Direct Debit Scheme Rulebook published by the EPC. The SEPA Direct Debit Scheme Rulebook, detailed information, terms, rights and responsibilities can be found on EPC website http://www.europeanpaymentscouncil.eu.

Features of the SEPA Direct Debit Service
  • A simple means of paying regular bills, taxes, insurance premiums etc. without the risk of late or missed payments;
  • SEPA Direct Debit is only available for EURO settlements. Both the Payee and Payer must hold an account in Euro with a financial institution located in the SEPA area;
  • Terms and Conditions for SEPA Direct Debit payments are standardized across all SEPA countries;
  • SEPA Direct Debits are regulated by SEPA Direct Debit Scheme Rulebook for handling rejected, returned and refunded SEPA Direct Debit Collections;
  • Payments within SEPA Direct Debit are executed free of charge.