Public Offer

Provider: Sole Proprietor «[name pending FNS registration]», TIN [—], OGRNIP [—]. Contact email: support@mbank-card.ru.

This document is a public offer (art. 437(2) of the Russian Civil Code) for providing consultation services regarding the independent opening of a bank account at OJSC Commercial Bank KYRGYZSTAN («MBANK») by Russian citizens. Payment for the consultation package on the website constitutes acceptance.

1. Subject matter

The Provider delivers consultation services only: a written guide, a 60-minute live video consultation, and 30 days of Q&A support from the payment date. The Provider does not accept client funds intended for the bank, does not accept documents for shipping, does not represent clients before the bank, and does not handle cards. All legally significant actions (notarial POA, travel to Bishkek, choosing a representative, communication with the bank, FNS notification, etc.) are performed by the Client independently and at their own risk.

2. Price and payment

Package price: 10,000 RUB. Payment is processed via T-Bank.

3. Delivery timing

Access to the written guide is granted within 24 hours of confirmed payment. The video consultation is scheduled by the Client. Q&A support is active for 30 calendar days from payment.

4. Refund policy

Under art. 32 of the Russian Consumer Protection Act, the Client may withdraw from services at any time before delivery, paying the Provider actual incurred costs. If no element of the package has been used within 7 calendar days of payment, 100% of the fee is refunded. After using the video consultation or downloading the guide, the fee is non-refundable.

5. Prohibited use

The service is strictly for lawful use. The Client undertakes not to use the consultation for:

• evading sanctions applicable to Russian citizens or persons;
• evading tax, customs, or currency-control obligations;
• money laundering, terrorism financing, or financing of WMD proliferation (Russian 115-FZ);
• any action contrary to Russian law or the Client's country of residence.

If such goals are identified, the Provider may refuse service without refund (where consultation is already partially delivered) and may disclose information to authorities as required by law.

6. Tax and currency duties of the Client

Opening a foreign bank account is legal for Russian residents. The Client is personally responsiblefor notifying the Russian Federal Tax Service within 30 days (Federal Law 173-FZ, art. 12(2); form KND 1120101) and for annual reports on the movement of funds. The Provider is not a tax advisor.

7. Liability

The Provider is not a bank, not an agent of MBANK, and guarantees no specific outcome (such as bank approval). The Provider is not liable for actions of MBANK, notaries, couriers, or any third party, nor for decisions the Client makes based on the consultation.

8. Referral program

Registered users receive a personal referral link. For each paid and confirmed (after the 7-day refund window) consultation of an invited user, 1,000 RUB are credited. Minimum payout: 3,000 RUB. Payouts via card or SBP. Not available to Provider staff or affiliates. No reward for self-signups or abusive patterns.

9. Personal data

Placing an order constitutes consent to data processing per the Privacy Policy and Federal Law 152-FZ.

10. Governing law and dispute resolution

This agreement is governed by Russian law. Disputes are resolved by courts of general jurisdiction at the Provider's location. Before court, parties try to resolve disputes via written claim to support@mbank-card.ru with 30-day response.

11. Final provisions

The Provider may unilaterally amend this offer by publishing a new version. The current version applies to orders placed after publication.

Last updated: 2026-04-17.