The number of ATMs may be reduced, and the size of the commissions grow

In the State Duma considered a bill that requires banks to warn their customers about the amount of commission when withdrawing cash from ATMs. Comment on the situation and reply to other questions we asked Yuri Tatarinov, Director of the commission business Binbank. In the State Duma considered a bill that requires banks to warn their customers about the amount of commission when withdrawing cash from ATMs. How much do you think the initiative of deputies relevant and necessary? The bill provides that a citizen yet how will calculate using the ATM, should receive full information on all committees. Do you think it will not reduce the number of customers who usually use the services of ATMs? If the requirements are stringent, especially in terms of - there is a risk that reduced the number of ATMs that meet these requirements, which will only increase competition and possibly lead to higher fares, especially with regard to the need of investments in activities to meet the requirements of the bill . In recent years, power is often said about the necessity of establishing a national payment system (NPS). Back in early April, the Ministry of Finance, introduced in the administration of President Bill NEG. In particular, the plans for Russian financial authorities plan to supply social plastic cards of all Russians. And as far as infrastructure is developed in Russia to be able to implement such a project? Without the creation and development of a single standardized infrastructure service cards, in particular, to implement its platform of social programs and projects, the project is doomed as it was more than once. Around this theme there were many disputes, including between agencies. In particular, the most bitter disputes raise three questions: who will operate the system, who and how will control the market of electronic payments and in what legal form is necessary to create the operator. What do you think about whether to assert control over such companies as WebMoney. Who should implement this control? To get started, simply to establish control over cash payments, including, in the part of the I / O resources to the so-called "electronic purses". How much can vary the size of commissions for various transactions at ATMs of different banks when a customer uses the "non-native" credit card? Typically, the bank-acquirer (the owner of the terminal) does not impose additional fees and the bank card issuer, on the contrary, it varies depending on the type of banking product, the source of funds (own or borrowed), membership of the terminal. In this case, the commission may differ at times.