Frequently Asked Questions (FAQ)

1. How can I send money to Russia or receive money from Russia?

To make cross-border transfers to Russia, you need to open a "Mir” account and card with our bank. Once you do, you’ll be able to make instant transfers using a card number within the “Mir” payment system, as well as using account details to any bank in Russia. You can receive money from Russia via phone number, through the Fast Payment System (FPS), by card number, or via account details.  

2. How does the “Mir” card from VTB (Kazakhstan) work within the territory of Russia?

The “Mir” card issued by our bank is a fully-fledged financial instrument in the Russian Federation:

• Widespread acceptance: You can pay for purchases in stores, public transportation, and online services, including public services*.
• Cash withdrawals: You can withdraw rubles in cash from your VTB (Kazakhstan) card at ATMs of any bank throughout Russia.

*Please note that cards from other international payment systems are currently not accepted in Russia.

3. Can I use a “Mir” card issued by a foreign bank in Kazakhstan?

Yes, foreigners arriving in Kazakhstan with “Mir” cards issued by any foreign bank can:

• Withdraw cash in KZT at VTB (Kazakhstan) ATMs and counters.
• Pay with their cards at points of sale equipped with “Mir” POS terminals. An up-to-date list of such locations is available on our website.

4. How do I apply for a “Mir” card, and in what currency?

To obtain a plastic card, please visit any branch of VTB Bank (Kazakhstan). Cards are issued in tenge (KZT) and rubles (RUB). A virtual card for online payments and cross-border transfers can be issued instantly via the mobile app.

5. Can I pay for Russian online services?

Yes, the card allows you to pay for goods and services on websites that accept “Mir” payment system cards issued in Kazakhstan.

6. What documents do non-residents need to open an account/card?

A non-resident individual of Kazakhstan must provide:

• Foreign passport with a stamp indicating entry into Kazakhstan.
• Certificate of Individual Identification Number (IIN) assignment.
• The mobile phone number linked to your IIN.

Note: For migrant workers, an employment contract or a document confirming registration as an individual entrepreneur (IE), ownership of a stake or shares in a legal entity, and a receipt for payment of individual income tax (IIT) are additionally required. The bank may request additional documents in accordance with its internal policies.

7. How can I repay the loan?

Payment is available via:

• VTB (Kazakhstan) counters and self-service terminals;
• PayDala agent payment terminals.
• Qiwi agent payment terminals.