Do businesses in St. Petersburg and Moscow typically charge extra fees when you pay by card?
I intend to use Norwegian VISA cards (both debit and credit) in St. Petersburg and Moscow, Russia.
Due to my bank's fee structure, it is generally preferable for me to use these cards directly in shops, restaurants, hotels etc. (when possible) rather than to withdraw from ATM's.
However, someone told me that many shops (or the banks which provide their card machines) may charge extra fees or commissions to customers when they pay by card.
Obviously, I am only asking about local fees imposed by individual establishments in Russia. I am well aware of what fees my Norwegian bank imposes, and I am not asking about those.
- How common is it to be charged such local fees when paying in shops, restaurants, hotels, etc. in these cities?
- If such fees are charged, how can one be informed about which establishments charge them, how much they are, etc?
Can you typically see it on the screen of the payment machine while paying, for example?
Best Answer
You can find extra fees of 2-3% at some shady online retailers. Don't think you'll be interested in internet shopping I assume.
In Russia, nobody will ever pay with card if it would incur a fee. Russians are extremely sensitive to charges on their money. One will rather get their funds from one ATM then go dump them into another ATM than use wire transfer with even 0.5% fee.
Indeed, many banks offer cashback on their cards, when you get around 1% of your card transaction back. Obviously it will be dubious if venues charged extra for card transactions.
In short: it's exceedingly rare that there will be extra charges when paying with card. Even minimum payments are uncommon. It's a pretty common thing to use a card to pay sub-Euro sum.
Still I would advise you to carry some cash around. The number of businesses that don't accept cards is small but it's sometimes the most interesting/weird places.
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