AdWords and the commission of Russian banks (on the example of VTB24)
When paying Google Adwords bills in rubles using a ruble Visa card issued by VTB24, a commission is charged (approximately 2-3%):
When contacting Google support, the following explanation was received:
“When you pay, Google received an amount of 2,128.72 rubles from your card.
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Our experts have established the cause of the discrepancy. Google debits funds from your card in rubles. Obviously, the card issuing bank performs the conversion of the amount in US dollars or in Euros and charge a fee for such a service. The difference between the amounts of 2128.72 rubles and 2178.05 rubles is just the commission that your bank charges.
You do not have to pay a commission, as invoices are issued in rubles and paid by you in this currency. Therefore, you need to contact the card issuing bank and clarify the conversion situation. ”
What to do? Who is right? Google or VTB24?
I filed a complaint with VTB24, as I trust Google more, but there are still some issues. Is Google acting through a Russian bank (legal entity on the territory of the Russian Federation, for example, Citibank, CJSC), or a foreign one?
PS Addendum: screen shot of an extract from Alpha Bank, in the note the figure 826 is visible - the pound sterling code. And in the screenshot from VTB you can see the GBR. What is it for?
When contacting Google support, the following explanation was received:
“When you pay, Google received an amount of 2,128.72 rubles from your card.
')
Our experts have established the cause of the discrepancy. Google debits funds from your card in rubles. Obviously, the card issuing bank performs the conversion of the amount in US dollars or in Euros and charge a fee for such a service. The difference between the amounts of 2128.72 rubles and 2178.05 rubles is just the commission that your bank charges.
You do not have to pay a commission, as invoices are issued in rubles and paid by you in this currency. Therefore, you need to contact the card issuing bank and clarify the conversion situation. ”
What to do? Who is right? Google or VTB24?
I filed a complaint with VTB24, as I trust Google more, but there are still some issues. Is Google acting through a Russian bank (legal entity on the territory of the Russian Federation, for example, Citibank, CJSC), or a foreign one?
PS Addendum: screen shot of an extract from Alpha Bank, in the note the figure 826 is visible - the pound sterling code. And in the screenshot from VTB you can see the GBR. What is it for?
Source: https://habr.com/ru/post/7954/
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