Terms of Rocketbank's "Uyutny Kosmos" debit card

Rocketbank is not quite a bank, but rather a brand that provides card delivery services to 29 Russian cities. The "Cozy Space" debit card is a fantastic solution for those who want to earn income with interest on their balance, as well as a good cashback of up to 10%.

The card is completely free, and it doesn't matter what your account balance is: 500 RUB or 5 million RUB — you will always receive a guaranteed income with an interest rate of 5.5%. Rocketbank's "Cozy Space" card differs from the similar "Open Space" product, but overall the card's operating scheme is identical.

Terms and conditions of Rocketbank's "Cozy Space" debit card

The "Rocket" card has many features. Apply for Rocketbank's "Cozy Space" debit card and start earning with this banking product. The terms of Rocketbank's "Cozy Space" will be of interest to most cardholders. The bank delivers the card via courier service only to those who live in one of the specified Russian cities:

1. Moscow.
2. Saint Petersburg.
3. Yekaterinburg.
4. Novosibirsk.
5. Samara.
6. Tolyatti.
7. Kazan.
8. Nizhny Novgorod.
9. Chelyabinsk.
10. Krasnodar.
11. Krasnoyarsk.
12. Rostov-on-Don.
13. Tyumen.
14. Perm.
15. Ufa.
16. Saratov.
17. Irkutsk.
18. Omsk.
19. Volgograd.
20. Izhevsk.
21. Tomsk.
22. Yaroslavl
23. Barnaul.
24. Voronezh.
25. Tula.
26. Orenburg.
27. Sochi.
28. Kaliningrad.
29. Naberezhnye Chelny.

If you live in one of the specified cities, you can apply for Rocketbank's "Cozy Space" debit card through our card selection service, and the delivery of the banking product is completely free.

Citizens living in other Russian cities are charged a fee of 350 RUB (including VAT) for a single delivery. Forwarding of documents and plastic cards abroad is also available. The fee will be 5,000 RUB per shipment including VAT.

Terms and conditions for replacing the card

The financial organization offers two replacement options — paid and free. If the plastic card needs to be replaced at the initiative of the bank, no fee is charged. In other cases, the client must pay for the service; the fee is 350 RUB.

What to do with account certificates and statements

To receive a paper account statement, the user will have to pay 350 RUB. The bank also offers a free way to obtain account statements and certificates — in electronic form.

Terms and conditions for making transfers via the mobile app and web banking in the smallest detail

The financial institution has created favorable conditions for making transfers using the mobile application. If you make transfers to accounts opened with Rocketbank, to extrabudgetary organizations, and to the budget, no fee is charged. You can also send money to other accounts for free, provided the total amount does not exceed 1 million RUB per month.

If the specified amount is exceeded, the transfer fee will be 50 RUB.

Please note! Depending on the nature of operations and the number of transfers, the limit may be changed unilaterally.

It is possible to transfer funds to electronic wallets for the benefit of service providers. You will see the transfer fee in the mobile application.

The urgent transfer service allows you to quickly transfer the required amount to an account. In this case, the plastic cardholder must pay a fee for the service — 1% of the transfer, but not less than 50 RUB.

Using the mobile application, you can also transfer money in foreign currency to the accounts of other financial institutions. For such operations, the bank sets certain limits: not less than 30 and not more than 250 US dollars or euros.

Transfers to cards of other banks

You can transfer no more than 10,000 RUB each month to cards of other banks for free. If this amount is exceeded, a commission of 1.5% of the transfer amount will be charged, but not less than 50 RUB. The client pays the same commission if they need to make a transfer to a foreign bank card, although the minimum commission amount increases to at least 90 RUB.

By the way, if certain tariffs are not specified in the terms of use, the fee is charged by prior agreement with the financial institution.

If the bank card lacks sufficient funds to pay commissions, the institution has the right to suspend the provision of the service until the amount required to execute the payment appears on the card.

What are the ways to top up the account

The bank offers several ways to top up the card. You can top up the account through VTB ATMs and Credit Bank of Moscow (CBOM) terminals. It is also possible to transfer money to the account using the installed mobile application and details.

If Euroset, Svyaznoy, and Megafon store cash desks are near you, use their services. To carry out the top-up procedure, tell the cashier about your request. Provide the card number and the phone number linked to the debit card. Some cashiers ask clients for a passport, although this is not a mandatory requirement. Take your document with you.

By providing the card number, funds will be credited to the account linked to it. If you provide the phone number, the main account will be topped up in rubles.

When topping up the account through Euroset, Svyaznoy, and Megafon, money is credited to the card instantly.

Please note! Free top-up is available via the Faster Payments System (FPS) and the mobile app using a Rocketbank card.

In what cases can card transactions be disputed

There are many cases when a transaction made with the "Cozy Space" card can be disputed. Here are some of them:

• You bought a product online, and it does not match the description.

It is recommended to use chargeback in extreme cases. That is, when it is not possible to resolve disputes amicably with the store or seller.

• The product did not arrive.
• Necessary components are missing from the package.
• The amount debited from the "Cozy Space" card differs from the one indicated on the receipt.
• The ATM did not dispense cash.
• You forgot to pick up your money.

To dispute a transaction, contact technical support.

Note! If you want to withdraw money from a casino (brokerage account; if you yourself told the fraudster the code from a push notification or SMS, then such transactions cannot be disputed. 

Additional benefits of the Roketbank "Uyutny Kosmos" debit card

The profitable Roketbank "Uyutny Kosmos" tariff provides additional options and features for the debit card holder, in particular:

• App software. You no longer need to visit the bank; all information about activities and offers is available in the mobile app.

By the way, the mobile app is very user-friendly. It is divided into three screens. The first is "Personal". Here you can change your PIN, tariffs, phone number, and secret word. Checking limits, fines, and taxes is available on the first screen.

The second screen is Main. Using it, you can contact technical support, add the card to Apple Pay, Google Pay, or Samsung Pay, view requisites, and enable SMS. You can set necessary restrictions, order a card reissue, and search through transactions.

The third screen is Transfers. This displays all functions related to money transfers and topping up accounts.

• Cashback. Roketbank "Uyutny Kosmos" invites you to participate in a loyalty program where you can get up to 10% cashback. Under a special program, you can insure a trip to any country for yourself, relatives, and friends. The cost of insurance varies and depends on the country, travel time, and your preferences. To learn as much as possible about the program, simply contact a specialist in the chat.
• Free cash withdrawals. Anywhere in the world, you can withdraw up to 150,000 rubles in cash without any commission fees.
• The terms of the Roketbank "Uyutny Kosmos" card allow issuing the banking product to citizens starting from the age of 14.
• A unique option is cashback for gamers. Fans of virtual games like PlayStation Store, Steam, Fortnite, Xbox, GOG.com, War Thunder, League Of Legends, Battle.net, Wargaming.net, EVE Online, and Origin are guaranteed a refund ranging from 7% to 10%.
• Web bank. To use it, follow the link https://app.rocketbank.ru/, indicating your phone number (be sure to enter the one linked to the card). After clicking the "next" button, enter the secret set of digits from the app. That is it. Enjoy all the conveniences of the web bank.
• Availability of promotions. Roketbank makes every effort to retain its clients. Various promotions with many interesting offers are available to debit card holders. To participate in them, keep an eye on the "Promotions" section.
• Roketbank Without Borders is a program for the hard of hearing. The company cares about all clients, which is why it provides convenient service in sign language. Hard-of-hearing holders of "Uyutny Kosmos" can ask for help in the chat or contact a specialist using video calls.

Roketbank has big plans ahead. To ensure that visually and hearing-impaired clients can enjoy all conveniences, Roketbank plans to voice app actions for blind and visually impaired users via VoiceOver. Thus, "Uyutny Kosmos" will become even cozier.