Long time because of the lack of formal rules of accession banks could not join the project of a universal electronic card, but the Economy Ministry announced yesterday the basic requirements for the issuing banks, writes Kommersant. Thus, the main limitation was the minimum capital that must not be less than 3 billion rubles. At the moment, this criterion correspond to approximately 120 domestic credit institutions. In addition, the bank must participate in the deposit insurance system does not have a ban on the Central Bank of any operations within six months, as well as violations of norms of capital adequacy, the current and immediate liquidity. Among other things, the financial institution must have experience in payment cards for at least 3 years old, and the ATM terminal network and a certain level of ratings. Recall that while the project involves only a few banks: Sberbank, "Ak Bars", Uralsib and the Bank of Moscow. Release of the universal card to begin with July 1, 2011. And by 2014-2015. State plans that such a map will appear in every Russian. It is assumed that a universal card would be an analogue of the passport rights, as it will contain dozens of applications social issues: pension, health, education, transport, etc. It will list all payments from the budget, and with it will be possible to pay fines and taxes.
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