It seems I’ve found a way to get an interest-free loan in foreign currency
1. You open a debit card. In my case – at PSB.
2. You deposit 1 ruble (in my case, the balance turned out to be 1.85 rubles)
3. While traveling abroad, you withdraw money in euros from an ATM (in my case – paying for car rental 415 euros)
4. PSB just told me that for transactions in euros, the real-time check of the account is for sufficiency, not for positivity. Hence, my account went into the negative (overdraft) by 25,000 rubles.
5. As PSB just informed me, there are no interest rates on the overdraft, so the account was negative from May 5 to May 23. Technically, this is a loan.
Perhaps with an ATM, it wouldn’t have happened, but buying an iPhone on such credit would have been more profitable)
Hi, I'm Rauf Aliev. 