What is Your Circle?

Your circle is a common account used by all your relatives and friends, control of expenses of the whole family and budget planning

What does Your Circle include?

- 1 or 2 bank cards
- 1 key fob with the PayPass function with the ability to connect the Moskvenok, Troika, ROUND 1 systems
Additional issue:
one more card - 300 rubles
one more keychain - 500 rubles

What are the features of Your Circle?

Account owner – package owner Your Circle:
- has a NAME card / trinket and a personal account (which can only be viewed by him)
- has access to the Family Account
- can set limits for its people
- can invite other users to the package and delete them
- can create shared accounts via mobile app

Trusted person - the one connected by the Owner with the given role with the rights as the Owner:
- has a NAME card / trinket and a personal account (which can only be viewed by him)
- can set limits for its people

Your own person - invited by the Owner for this role uses the application Your circle Start:
- Has a NON-NAME CARD / trinket, (tied to a general account)
- has access to the family account within the established limit
- has the ability to use a money box

What is the difference between accounts in the Your Circle package?

Personal account - an account linked to the NAME card of the package owner / authorized person can be linked to the trinket

Family account - an account linked to an impersonal card / trinket of persons invited to this package by the account holder. This account can be opened in all 5 currencies (Rubles, Dollars, Euros, Francs, Pounds, Yens)

The Account Holder and the Trusted person can switch cards between general and personal accounts: rubles, dollars and euros.

How does cashback work?

Cash back is credited within the loyalty program in points and accumulated on the bonus account in the mobile app. These points can be used to reduce the amount of any purchase from 5000 R

How does the limit work for Your own person?

Limits for people per day, week and month. The countdown for the limit starts from the first day of the month, that is: his person has a limit of a month, which means that he will operate from 1 to the last day of the month.

Example 1:
The account owner connected his son and daughter to the family package and set the available limit for the son to 100 R, and 200 R for the daughter. The family account has 1,000 R. In the mobile app, the son will display the available balance of 100 R and the daughter will have 200 R.

Example 2:
The owner of the account connected his son to the family package and set a limit of 50 R. The family account has 25 R, in the son's mobile app there will be an available balance of 25 R.

How do tasks work?

The Owner and Trusted person can set tasks with an indication of the monetary reward for their implementation for the holders of family cards / trinkets. Tasks can be selected from the sample list or specified arbitrarily

Why do you need a money box?

Your own person can "break" the money box and then until the end of this day all the knee funds will be available to him (trinket switches to the money box account). At the end of the day he will again only have access to the set limit on the general account.

How and to whom can someone be excluded from the package?

The owner needs to call the CC. If excluded your person will receive an SMS

Can I issue several cards and trinkets at once, without indicating who they are being issued, so that I can then distribute them to anyone I want?

No, in order to distribute them to the participants, they must be invited to the package immediately when the card is issued.
After registration of the package, the invitation of a new member will entail the issuance of a new card, trinket or card - this is chosen by the owner when inviting a new member

Can a card be linked to several accounts at once?

The card can be linked to only one account at a time, however, the owner and the trusted person can switch between accounts and switch their person

How to track the spending of the whole family?

In the history of transactions on the general account in the mobile app

Can anyone remove / transfer money from the money box without the knowledge of the money box owner?

No, It's impossible

How can I get the Your Circle package?

By courier to any address: accommodation, work, shopping center, business center

How often can I switch between accounts, are there any restrictions?

No restrictions

If there is a need to perform an operation on the Internet using a key fob, what should I do?

Key fob data can be specified in the contact center: PAN, expiration date, CVV

Are there any restrictions on the family card for the one-time payback amount?

No, only within the limit.