Short answer: an Ozon Card is a bank card linked to an account with Ozon Bank, not a separate wallet outside the banking system. The account and balance must be disclosed. During the Russian asset-realisation procedure, account control follows Federal Law No. 127-FZ and involves the financial manager. Bonuses, certificates and other non-bank units should be distinguished from money in the bank account.
Account details, balance, transactions and the exact product terms matter.
List it with all other bank accounts, even if the balance is small.
The card may stop working; access to permitted amounts is arranged with the financial manager.
What happens to an Ozon Card in bankruptcy
The legal regime depends on the underlying bank account, not where purchases are made. Court-imposed limits apply during debt restructuring. In asset realisation, the financial manager controls funds in accounts within the statutory framework. The bank may restrict transactions after receiving bankruptcy information.
| Asset or operation | Treatment | Documents |
|---|---|---|
| Money on the Ozon Card | Balance in a bank account | Account details, statements and source of funds |
| Salary or benefit | Purpose and statutory protection matter | Employer or benefit statement and bank statement |
| Credit Ozon Card | The account and credit debt are disclosed separately | Agreement, balance, limit and statement |
| Points, certificates and bonuses | Programme rules apply; these are not always bank money | Programme terms and balance evidence if material |
Will the Ozon Card be blocked?
A technical restriction is possible, but timing depends on the bank, procedure stage and documents received. A rarely used card should not be treated as invisible. To access the subsistence amount or protected payments, identify the receiving account and document the payment purpose in advance.
Can a new card be opened?
A new account must also be disclosed. During asset realisation, opening another account does not restore unrestricted control. A credit card also creates a separate debt requiring analysis.
Practical checklist
- List every account and card, including Ozon Bank and unused products.
- Download statements and mark salary, benefits, maintenance and protected payments.
- Record the credit limit and debt separately for a credit card.
- Provide information before a restriction disrupts access.
- Arrange a lawful account for permitted amounts and retain evidence.
- Do not move funds between cards to conceal a balance or source.
Frequently asked questions
Must a zero-balance Ozon Card be disclosed?
It is prudent to disclose the account and actual balance. Bank account information can be verified.
Can salary be paid to the Ozon Card?
Payment may be technically possible, but lawful access to the permitted amount and proof of source must be arranged.
Will money simply disappear?
No. Its treatment depends on the bankruptcy estate, statutory exclusions and the case decision.
Are Ozon points the same as a deposit?
No. Programme rules govern points, while card money is held in a bank account.
Official sources
- Federal Law No. 127-FZ
- Official Ozon Card page
- Ozon Bank products and documents
- Bank of Russia register
Related: salary in bankruptcy, subsistence minimum, and Russian personal bankruptcy.
A Card Is Only an Access Tool; the Case Stage Controls the Result
| Situation | Who acts | Practical step |
|---|---|---|
| Before judgment | The debtor | Disclose every account and balance |
| Restructuring | Subject to procedure limits | Check the order and plan |
| Asset realization | Financial manager | Agree main account and releases |
| Salary card | Income purpose remains relevant | Provide the payslip |
| Protected payment | Basis and payment code matter | Keep award and transfer records |
Map every account
List bank, account, card, balance and incoming-payment purpose.
Hand cards over on time
Article 213.25(9) requires delivery of all existing cards within the statutory period.
Set the payment route
Agree in advance where income arrives and how excluded funds are released.
The Transaction May Be Blocked, but Lawfully Protected Funds Still Matter
Article 213.25(5)–(9) of Federal Law No. 127-FZ controls accounts during asset realization: the manager handles funds and opens or closes ordinary accounts, while the debtor cannot do so personally. This does not leave the debtor without subsistence. Property protected by law is excluded from the estate, and the purpose of salary, maintenance, child benefit or compensation is proved separately. A bank applies operational restrictions but does not decide an estate dispute. If funds are needed for current living costs, agree a written release process with the manager. A disagreement belongs in the Article 60 procedure rather than being bypassed through another card.