Among the wide range bank cards Sberbank (debit and credit) have cards with free service(see article “”), and some of them have no analogues in their consumer characteristics. In this review we will give short description each free Sberbank card and touch on their features.
Free Sberbank debit cards
Pension card Mir (formerly Sberbank-Maestro “Social”)
Let's start with a very worthy one Pension card World (formerly social), with free services and a savings (deposit) function that a pensioner or any person can receive to calculate pensions, benefits and various social payments(registration from 18 years old). In principle, it can be given to everyone. It has a lot of advantages for its budget status, which you can read about in, and we will just list a few of them:
- Free registration, annual maintenance and regular and early (except for cases of loss of the card, PIN code and change of full name);
- Availability of a chip and the possibility of cashless payment all over the world without commission, including the ability to pay for purchases on the Internet (the card has an authentication code CVC2/CVV2);
- Accrual of 3.5% on the card account balance every three months;
- Cash withdrawals (as well as deposits) at any Sberbank ATM (and cash desk) within the daily limit throughout Russia without commission (!).
Since this is a budget card, it also has limitations: cash withdrawals only within Russia, the inability to receive salaries on it and other small nuances, such as the 18-digit card number for Maestro (the Mir card has a 16-digit number), which “ will be accepted” not in every online store due to the standard 16-digit form. This is an excellent replacement and benefit from deposit charges, which, by the way, will cover the costs of additional services. services (for example, ). As they say, editor's choice! Let us add that this map is national payment system The world (more details), which means it is protected from possible blocking by foreign countries due to the imposition of sanctions.
Instant issue cards Momentum Visa Electron, Mastercard Maestro
The bank stopped issuing these budget cards on May 1, 2016, but they will still serve people for several years, so it’s impossible not to talk about them.
In fact, it's the same social card, but without a savings function and the ability to withdraw cash without commission throughout Russia (only within the city of issue). Transfers between your own and other people's cards are also free within the territorial bank. Moreover, they have a chip (and, therefore, increased security of payments), and you can pay with them in any store in the world, as well as on the Internet.
In fact, this is the simplest safe plastic for people without any complaints. The only significant problem is that it is difficult to obtain. No, departments have it, but employees give it out very reluctantly (pushing them to get a card with a paid service). Detailed review these cards.
Instant cards Mastercard Standart / Visa Classic Momentum
These cards replaced the previous ones, and, judging by the name, it is difficult to call them budget cards - they are, rather, an instant classic (even in their tariffs the bank highlighted them in blue “classic” color). They are also completely free, and the following difference is striking: you can withdraw money from any ATM in any country in the world (!), and not just in Sberbank and in Russia. Those. These are full-fledged international cards of instant issue: come and receive. It is curious whether the situation with their receipt will change or remain the same - a question for the bank’s local management.
It’s also worth adding that instant cards can have different account currencies: rubles, dollars and euros. But a pension card can only be in rubles. We also didn’t talk about commissions and limits on cash withdrawals - detailed information You can see about them in . See about replenishment.
Digital Visa card
This is a full-fledged free map that “lives” in your smartphone. It does not have a physical medium (like virtual card) and is intended for payment for goods and services in payment services Apple Pay, Samsung Pay and Google Pay (all supported by the bank).
The card can be ordered at mobile application or in your personal account. This is a ruble card with a validity period of 3 years, which can be issued from the age of 14, but provided that you already have any other debit card (for example, or instant). Such a requirement is necessary to provide access to Sberbank Online, where you can instantly issue a digital Sberbank card.
It is appropriate to recall that the use of payment services (when paying for purchases using a smartphone) makes the payment process any bank card much safer compared to classic plastic payments. More about payment technology payment services read .
Free Sberbank credit cards
The most famous free credit cards from Sberbank are Visa Credit / MasterCard Credit “Momentum”. These full-fledged credit cards are issued for a maximum of 1 year and only to “our own”. You can’t get it from the street; the bank must issue you credit cards with a pre-approved limit. Availability (50 days) and one of the lowest annual interest for a loan, make these credit cards a very tempting offer that you should not refuse, unless you are a principled opponent credit cards. At the end of the validity period, you will be given classic or gold on favorable terms (about how the author of the review exchanged instant for classic).
| Credit limit max. | Bid min. | Grace period | Annual maintenance | Issued at a bank branch | 120000 | 25,9 | 50 | 0 | rubles | % | days | rub. |
| Lending terms | Card service | Owner requirements | |||
|---|---|---|---|---|---|
| Maximum credit limit | 120,000 rub. | Issue fee | For free | Age | from 25 to 65 years |
| Interest rate | 25,9% | Annual maintenance | 0 rub. | Documentation | according to your passport |
| Grace period | up to 50 days | SMS notification | 0 rub. | Bonuses | |
| Minimum payment | 5 minutes. 150 rub. | Validity | 1 year | Loyalty program | Thanks from Sberbank |
| No | own / someone else's | 3% (min. 390 rub.) / 4% (min. 390 rub.) | No | ||
| Delivery options: mail/courier | No no | Impossible | Cashback (refund) | No | |
| Advantages | Maintenance, registration, SMS information, Internet banking - free, instant issue, one document for registration, low percentage on credit, profitable bonus program | ||||
| Flaws | Fee for withdrawing credit (and own) funds, short card validity period, no possibility of issuing an additional card, issued only to bank clients on a special offer | ||||
Sberbank Momentum credit card
Issued at a bank branch
Credit limit max.:
Bet min.:
Grace period:
Annual maintenance:
Instant credit card with free service and the most favorable tariffs and conditions - issued only to Sberbank clients on a personal offer with a pre-approved limit Card review
Special offer only for bank clients
Lending terms
Maximum credit limit
Interest rate
Grace period
up to 50 days
Minimum payment
5 minutes. 150 rub.
Card service
Issue fee
For free
Annual maintenance
SMS - informing
Validity
3% (min. 390 rub.)/4% (min. 390 rub.)
Impossible
Owner requirements
from 25 to 65 years
Documentation
according to your passport
Loyalty program
Thanks from Sberbank
Cashback (refund)
Maintenance, registration, SMS information, Internet banking - free, instant issuance, one document for registration, low interest on the loan, profitable bonus program
Fee for withdrawing credit (and own) funds, short card validity period, no possibility of issuing an additional card, issued only to bank clients on a special offer
More information about tariffs and conditions
As part of the pre-approved offer (PP), you can receive a number of other cards, which are also issued in mass production (for everyone).
For a personal offer, the interest rate is 23.9% and free annual maintenance (!)
Lending terms
Maximum credit limit
Interest rate
from 23.9% to 27.9%
Grace period
up to 50 days
Minimum payment
5% of debt + interest
Grace period for cash withdrawals
Delivery options: mail / courier
Card service
Issue fee
For free
Annual maintenance
SMS - informing
Validity
Withdrawing cash from an ATM using your own/someone else's credit
3% (min. 390 rub.)/4% (min. 390 rub.)
Using your own funds
Maybe
Owner requirements
from 21 to 65 years old
Documentation
income certificate
Loyalty program
Interest on client balance
Cashback (refund)
Chip, free SMS notification, no requirement for permanent registration borrower in the region where the bank operates, profitable terms on a personal offer, bonus program Thank you
Large commission for withdrawing your own and credit funds, Grace period does not apply to cash withdrawal transactions, confirmation of income is required with an income certificate in form 2-NDFL (for employees), additional cards are not issued
More information about tariffs and conditions
| Credit limit max. | Bid min. | Grace period | Annual maintenance | Design | 600000 | 33,9 | 50 | 3000 | rubles | % | days | rub. |
A Gold category credit card from the most famous bank allows you to enjoy all the privileges of premium cards from Visa and MasterCard, as well as the Thank you bonus program from Sberbank. Card conditions for a pre-approved personal offer are among the most favorable on the market | On a personal offer, the interest rate is 17.9% and free annual maintenance |
||||
| Lending terms | Card service | Owner requirements | |||
|---|---|---|---|---|---|
| Maximum credit limit | 600,000 rub. | Issue fee | For free | Age | from 21 to 65 years old |
| Interest rate | from 25.9% to 33.9% | Annual maintenance | 3000 rub. | Documentation | income certificate |
| Grace period | up to 50 days | SMS notification | 0 rub. | Bonuses | |
| Minimum payment | 5% of debt + interest | Validity | 3 years | Loyalty program | Thank you, discounts and privileges for premium cards from international payment systems |
| Grace period for cash withdrawals | No | Withdrawing cash from an ATM using a loan own / someone else's | 3% (min. 390 rub.) / 4% (min. 390 rub.) | Interest on client balance | No |
| Delivery options: mail/courier | No no | Using your own funds | Maybe | Cashback (refund) | No |
| Advantages | Chip, free SMS information, no requirement for permanent registration of the borrower in the region where the bank operates, favorable conditions for a personal offer, Thank you bonus program, discounts and privileges for premium cards from international payment systems | ||||
| Flaws | Large commission for withdrawing your own and credit funds, the grace period does not apply to cash withdrawal transactions, confirmation of income is required with an income certificate in form 2-NDFL (for employees), additional cards are not issued | ||||
Compared to its competitors, Sberbank offers customers a wide selection of plastic products. How to get a Sberbank card, what types of plastic the bank offers and the cost of servicing it, read about all this and more in our article.
What does a Sberbank debit card mean?
Debit card Sberbank is convenient plastic tool, with which you can pay for your purchases and services both online and in regular stores. There is no need to carry a lot of cash with you; it is enough that the card balance will always be replenished. It's kind of like a wallet, but much more convenient.
You can connect the Sberbank Online and Mobile Bank services to any Sberbank card. This will allow you to manage your savings remotely: payment for housing and communal services, cellular communication and etc.
The debit card can only contain your funds. With debit plastic it is simply impossible to go into the red, since it does not imply leverage. Read on to find out how to order a Sberbank debit card.
How to order a Sberbank debit card
You can order a Sberbank debit card only by visiting a bank branch. On the organization’s website you can familiarize yourself with plastic products, find out the conditions for their provision, the cost of service, etc. useful information, but you can issue it and pick it up only at the office.
Cards are issued at any branch nearest and convenient to you upon presentation of your passport.
Application for a Sberbank debit card
Sberbank debit card conditions
The conditions for obtaining a debit card from Sberbank depend on what type of card you are interested in. The main requirement for all types of cards is a passport and permanent residence. If the latter is not available, then regular temporary registration will do. But without this there is no way to get a card.
A person who does not have citizenship of the Russian Federation can receive a debit card from Sberbank.
The age for issuing a plastic card starts at 7 years. The main card can be ordered from the age of 14. This is Youth plastic with preferential terms of service and the provision of many interesting bonuses.
To open a card from the age of 7, it is necessary that at least one parent has a main account with Sberbank. Then an additional card is opened for the child, but not just like that, but a personalized one. This will allow the child to feel like a truly adult, and it will be convenient for parents to control their children’s expenses and transfer pocket money in two clicks.
Sberbank debit card limit
Sberbank has set transaction limits for each card. This was done primarily for reasons of client security. That is, even if your card is stolen or you lose it, fraudsters will not be able to withdraw more than the amount set by the limit. Now let's talk more about the limits.
Limits for Maestro and Visa Electron cards
- At bank branches, during a personal visit, you can carry out operations to withdraw funds for no more than 5,000,000 rubles per month.
- The daily limit for cash withdrawals at a Sberbank branch is 150,000 rubles.
- When cashing in another office than the one where the card was opened, without using plastic (by presenting your passport at the branch), you can withdraw no more than 50,000 rubles.
- At ATMs, cash withdrawals of no more than 150,000 rubles are allowed.
- The daily limit for replenishing and crediting funds through cash machines (ATMs) to a plastic account is set at 1,000,000 rubles.
- The daily limit on settlement transactions for payment for goods and services is no more than 100,000 rubles.
Limits for MasterCard Standard and Visa Classic cards
- Issuance of funds through a Sberbank branch, during a personal visit to the office, no more than 5,000,000 rubles per month.
- The daily limit for cash withdrawals through the Sberbank cash desk is no more than 150,000 rubles.
- Without using a card, through a Sberbank cash desk other than the one where the account is maintained, upon presentation of a document, you can receive no more than 50,000 rubles.
- It is permissible to withdraw no more than 150,000 rubles per day from ATMs.
- The daily limit for replenishing the card through ATMs is 1,000,000 rubles.
- There are no restrictions on making purchases or paying for services per day.
Limits for MasterCard Gold and Visa Gold
- Cash withdrawal per month by visiting a bank branch, no more than 10,000,000 rubles.
- The daily limit for issuing funds through the card is set at 300,000 rubles.
- You can top up your card through a cash machine up to 1,000,000 rubles per day.
- There are no daily limits for paying for purchases and paying for services.
Limits for MasterCard Platinum and Visa Platinum
- Monthly cash withdrawal through the Sberbank cash desk is no more than 50,000,000 rubles.
- Daily cash withdrawal through the cash register is no more than 1,000,000 rubles.
- The daily limit for withdrawals from ATMs is 1,000,000 rubles.
- No more than 1,000,000 rubles for daily card replenishment.
- There are no restrictions on payment for goods and services.
Cost of Sberbank debit cards
The cost of Sberbank debit cards depends on the type of plastic and its type. Also, the cost can be divided into several stages: initial issue, cost of subsequent annual maintenance, reissue due to loss of the card.
| Name and type of card |
First annual service |
Subsequent annual maintenance |
Reissue due to loss |
| Momentum | 0 | 0 | not produced |
| Visa Electron/Maestro | 300 | 300 | 60 |
| Maestro Social | 0 | 0 | 30 |
| Maestro Student | 150 | 0 | 30 |
| Visa Classic/MasterCard Standsrd | 750 | 450 | 150 |
| Visa Classic Give Life | 1 000 | 450 | 150 |
| Visa Classic Aeroflot | 900 | 600 | 150 |
| MasterCard Standsrd MTS | 900 | 600 | 150 |
| Visa Classic/MasterCard Standsrd Youth | 150 | 150 | 150 |
| Customized card | 750+500 (for design) | 450 | 150 |
| Olympic | 1 000 | 450 | 150 |
| Cards with contactless payment | 900 | 600 | 250 |
| Gold cards | 3 000 | 3 000 | 0 |
| Gold Card Extend Life | 4 000 | 3 000 | 0 |
| Aeroflot and MTS Gold cards | 3 500 | 3 500 | 0 |
| Platinum cards | 10 000 | 10 000 | 0 |
| Platinum Give Life | 15 000 | 10 000 | 0 |
Servicing Sberbank debit cards
Servicing Sberbank debit cards depends on the type and type of plastic. The more privileged the card, the higher the cost of servicing it, naturally.
For example, for Gold cards, Sberbank offers a whole range of services that are not available to classic plastic cards. Bonuses, discounts, participation in private promotions and much more. With such cards you can cash out money both in Russia and abroad at absolutely equal conditions, no increased rates and commissions. There is even the possibility of emergency withdrawal of money from the account while abroad.
Speaking about Platinum type cards, we can list for a long time the bonuses available to the holder. It includes full customer support abroad and in Russia, including medical assistance.
You can read more about servicing plastic cards on the website or check at hotline Sberbank.
Types of Sberbank debit cards
The bank's website offers a huge number of debit cards for every taste, age and budget. At will, the client can choose not only the type and type of card, but also come up with the design of his own plastic. The assortment includes both regular debit cards, suitable for everyday payments, and special ones, which have tariff plans with bonuses, for example “Give Life”. A certain percentage of each purchase is donated to help sick children. Or Aeroflot, where bonus miles will be accumulated that can be exchanged for tickets to anywhere in the world.
Now more about the most popular plastic products of Sberbank.
Sberbank youth debit card
Youth cards are issued for ages 7, 14, 18 and 21. The first type of card can be issued exclusively as an additional one attached to the parent account. The plastic will be personalized and belong to the child. Adults can control their child’s expenses by replenishing the account from their bank account, and the child can enjoy independence.
At the age of 14 and 18 you can open a debit card. It is impossible to get a loan for it, but you can activate the Thank You option from Sberbank and pay with accumulated bonuses for purchases. For registration you only need a passport. At the same time, parents can stay at home; issuing a card requires a visit to the bank exclusively for the future owner.
At the age of 18 and 21, it becomes possible to open a credit card for young people. For this age category there are preferential terms by payments and annual interest rates. There is an interest-free period for repaying the loan payment. The card operates on the principle of a provided overdraft.
You can issue a card either Visa or MasterCard, the cost of annual service in both cases is 150 rubles.
Sberbank international debit card
An international card allows you to pay for purchases and withdraw cash both within your own country and abroad. Among all Sberbank products, popular international cards are: Visa Classic and MasterCard Standard. Some of them have special tariff plans that allow you to withdraw money anywhere in the world without paying for it additional interest and commissions. These types of cards include Platinum.
However, issuing such a card if you do not travel outside of Russia is extremely expensive. The cost of such plastic starts from 10,000 rubles. The difference from regular cards, which can be used to pay in Russia, for the most part, lies only in the daily and monthly limits on withdrawals.
Sberbank Momentum debit card
Momentum debit card is a great opportunity get plastic for those who don’t like to wait and want everything at once. The card is connected to Visa system Electron. It has virtually no restrictions on payments and transfers within the specific city where it was opened. True, according to the bank’s specialists, such plastic will not be “visible” in other cities. That is, it has limited capabilities. But the cost of annual maintenance is 0 rubles.
Issued financial instrument on the same day as the visit to the bank to register it. You only need to take your passport with you. The specialist will fill out and print out the application form, you will sign, create a PIN code, pick up the card and you can safely go and use it.
The Momentum card, as well as other Sberbank products, can be connected to the Mobile Banking and online banking services.
Sberbank Classic debit card
Classic cards Sberbank Visa and MasterCard occupy the main place in the entire range. They have standard set functions that a person requires in Everyday life. The cost of annual service starts from 750 rubles, with a subsequent reduction in price to 450 rubles.
For this money, the holder gets the opportunity to participate in all promotions offered by the bank, receive bonuses and other privileges.
How to make a transfer to a Sberbank debit card
How to transfer to Online Sberbank
- Login to the page personal account Sberbank Online.
- Enter the login and password received when connecting to the service.
- Select the payments and transfers account section.
- Click on the transfer button to Sberbank clients.
- Indicate the recipient's plastic number. If everything is entered correctly, the recipient's details will be displayed.
- Confirm the operation by entering one-time password from an SMS sent by the bank, or from a check.
That's it, the document has been sent to the bank for processing, and the money will be transferred instantly and without commission fees.
When paying through the Internet banking system to the accounts of your clients, it is possible to make transfers without knowing the card number, but using mobile phone data. The process is similar to that described, only when filling out the form you need to indicate: transfer by mobile phone number.
How to transfer via ATM
- Insert the plastic into the device and enter the PIN code.
- Select the payments and transfers section.
- Next, you need to click on the Sberbank card for internal transfer.
- Enter the recipient's card details.
- Then enter the amount for the transaction.
- In the next window, check all the details very carefully. If necessary, go back a step and correct the data; if everything is correct, press the translate key.
That's it, the payment is completed, and if you have the full package connected Mobile banking, a corresponding notification will be sent to your cell phone.
How to transfer via SMS
To work with transfers via SMS, you will need to activate the Mobile Banking service. The recipient must also have this option active.
- To the short special number 900, send a message with the following content: TRANSFER 81111111111 222. Where 81111111111 is the recipient’s mobile number, and 222 is the amount that needs to be redirected.
- You will receive a message from the bank asking you to confirm the payment by sending an SMS with the code specified in it.
If the operation is successful, you will receive a notification on your cell phone indicating that the amount has been sent. Before sending a confirmation code, always carefully check the recipient's information to ensure the money goes to the right address. Since if the money goes to another person, it will be almost impossible to get it back.
For quick and accurate translations, you can always create a template.
How to transfer at the branch
- Come to the nearest bank branch.
- Tell the employee of the institution in detail the purpose of your visit.
- Write down on a piece of paper the details of the card to which you plan to transfer the amount of money.
- Give the cashier the money.
- Sign the check and don't forget to pick up your copy of the payment document.
Before going to the bank, take your passport and card details with you. Received receipts must be kept until the recipient's account is credited with money.
All intrabank transfers of Sberbank occur in the shortest possible time and interest-free, with the exception of some operations relating to intercity transactions.
How to transfer money from a credit card to a debit card
Unfortunately, according to Sberbank’s terms and conditions for servicing credit cards, the service of transferring from a credit card to plastic is not provided. You can pay for goods and services with a credit card, top up your mobile phone balance, but it is impossible to transfer money to your debit cards or to others.
But it is allowed to replenish the credit plastic card at the expense of the debit card. This can be done both at a bank branch and in the Sberbank Online system. Or simply transfer funds through an ATM.
Today Sberbank offers its clients a wide range of bank cards. They differ in cost, functions, service conditions, limits, etc. A special place in the system is occupied by Sberbank debit cards with free service. Despite their limited capabilities, they are popular among bank clients. Sberbank now issues two types of free cards - Momentum and Maestro “Social” (Pension).
Maestro "Social"
Free banking product Maestro “Social” is distinguished not only by the absence of an annual service fee, but also by the presence of a deposit function. On cash, stored on the account, are accrued every three months at 3.5% per annum. Get a Sberbank card for free for individuals Can pensioners, as well as other clients for calculating social benefits who have reached the age of 14 years. Can be opened additional card for the face from 7 years.
The main advantages of the product include the following features:
- Free use, design and reissue. The bank will charge a commission for reissue only due to a change of name, loss of the plastic card itself or PIN code.
- Plastic comes with a chip, which allows you to pay non-cash for goods and services, both in Russia and in other countries. Thanks to the CVC2/CVV2 authentication code, purchases can be made online.
- Withdrawing cash from a Sberbank ATM, as well as through the cash desk free of charge within established limits. You can cash out 50,000 rubles per day without commission. There are no restrictions on replenishment.
- When registering in the Sberbank Online system, it is open possibility of connecting “Thank you” bonuses for non-cash expenses.
- First two months fee mobile bank not charged. When leaving the service, only 30 rubles are paid monthly.
If you need to open a Sberbank card for free, you should take into account a number of restrictions on its use. These include:
- Cash withdrawals are available only in Russia;
- If the daily limit is exceeded, withdrawals are allowed with the payment of a commission of 0.5%.
- lack of accrual capability wages;
- The card number consists of 18 characters and may not be accepted in all online stores due to the established 16-digit system.
Despite some limitations, Maestro Social perfectly replaces a passbook, provides access to cash without visiting bank branches, and the accrued interest can cover the small costs of paying for SMS alerts.
Momentum
When learning how to get a Sberbank card for free, it is worth considering that Momentum is available in two types: Visa Classic and Mastercard Standard Momentum. The card is not personalized.
Of course, this product also has its own characteristics. It should be noted here:
- free registration, annual maintenance and replacement of Momentum;
- ability to connect to bonus program and cashless payments in stores and organizations;
- plastic is issued on the day of contacting the Bank branch;
- issued for 3 years in rubles, dollars or euros.
The absence of the owner's name on the plastic excludes the possibility of using the card in other countries and Sberbank subsidiaries. The following restrictions are also set:
- daily cash withdrawal limits are 50,000 rubles, 1,600 dollars and 1,200 euros.
- It is not allowed to receive cash in other countries;
- There is no provision for issuing an additional card.
Registration and receipt of a free card
If you have a question about how to get a Sberbank card for free, you need to personally contact a Bank branch. The procedure is not carried out online or by proxy. You must have a passport with permanent or temporary registration. You can get plastic from:
- Russian citizen;
- foreign citizen;
- a stateless person.
The department will accept your signed application for release. If the card is a Momentum type, then the plastic card will be issued immediately with all the details. If a free Sberbank card is used to calculate a pension or other social benefits, you will have to wait up to 10 days to receive it. If you leave your contact number, then at the time of delivery to the department, you will receive a message about this.
Maestro “Social” can be received personally by the owner or by a representative with a notarized power of attorney. The power of attorney must necessarily reflect the right to receive the card and an unopened PIN envelope.
Today, when you urgently need money, you can apply, but many clients still prefer, which is not surprising, since with this financial institution many have encountered. There may be some exceptions, but Sberbank is still the leader in plastic production. Next, we’ll take a closer look at why you need a Sberbank debit card and how to apply for it.
A little information about the financial institution itself
Sberbank is one of the largest banks in Russia with a developed branch network, provides a wide range of services for lending, deposits, insurance, and money transfers. The bank actively cooperates with both individuals and organizations. Thousands of Russians have become Sberbank clients. The institution works with both students and pensioners. Here you can open an account, deposit money under favorable interest rate. However, debit cards are still the most popular. You can transfer a pension, stipend, salary to them, or simply store your savings and use them if necessary.
Sberbank debit card - what is it?
A Sberbank debit card is an excellent solution for those people who are accustomed to managing their money economically and not living in debt. This banking product is a kind of key to personal account client. Unlike , on debit only available own funds, that is, those that were deposited into the account by the client or credited by third parties. With such a card it is easy to travel and not worry about the safety of your own savings. The bank cooperates with such international payment systems as Visa and MasterCard. Available .
How to apply for a Sberbank debit card - online application
Advice: To make it easier for Sberbank employees to process your request, you must first select the city in which you live.
In the “Select card” subsection, you should indicate that you need a debit card. In the next tab you can specify the card issuance period and its type. Next, an online application form will appear in which you will need to enter the following information:
- Card account currency type.
- Last name, first name, patronymic.
- Full name in Latin letters.
- Date, month, year of birth.
- Place of Birth.
- Citizenship.
As you can see, there is nothing complicated about this. After the request is sent to the Sberbank customer support service, a manager will contact you to clarify the details of cooperation.
Sberbank - deposit card
The main advantages of issuing a deposit card online are the following:
- There is no need to personally go to a Sberbank branch to submit an application, which will really save time.
- The client’s visit to the bank to receive the card will be at a clearly stated time, which will eliminate any possibility of waiting in line.
- The client can familiarize himself with all official information on debit cards and prepare questions if anything is unclear.
As a rule, the issue and reissue of a debit card is carried out without the client paying a commission. Funds are also credited to the card without financial losses on the part of the client. If a third party wants to transfer money to the client’s card account, this can be done at the regional bank where the account is opened, without commission. Otherwise you will have to pay 1.25% of the amount money transfer, wherein minimum size This commission will be 30 rubles, the maximum is 1000 rubles.
There is no fee for withdrawing cash from a Sberbank debit card if the client withdraws money through a bank cash desk or through an ATM, and the amount withdrawn should not exceed daily limit. If the withdrawn amount exceeds the established norm, a fee of 0.5% of the withdrawn amount will be charged. If you withdraw money through ATMs and cash desks of other regional banks, you will have to pay a commission of 0.75%.
What is a debit card and how does a debit card differ from a credit card?
A debit card provides access to a personal current account without credit limit. The lack of opportunity to “go into the red” is the main difference from credit card. Regular plastic cards are issued to transfer wages, pensions, receive compensation and preserve their own savings. It is convenient to use a small “plastic wallet” to pay in stores, while receiving pleasant bonuses - “Thank you” points and discounts from Sberbank partners.
How to choose a debit card?
Sberbank really has a huge selection of debit cards for all categories of clients - from children to pensioners. To find out which card is right for you, consider the entire product line.
Types of Sberbank debit cards:
- Instant cards;
- Classic;
- Electronic;
- Virtual;
- Premium;
- Gold;
- Platinum;
- Affiliate: Aeroflot and Podari Zhizn.
Instant cards(nameless, NoName) – convenient for instant access to banking services. For example, when you want to make a purchase online, but are worried about the safety of the savings on your main card. By issuing such a card as an additional one, you do not lose anything, because its service is free. Any Russian citizen over the age of 14 can receive it using a passport.
Classic cards Visa or MasterCard is usually issued within salary projects, where the cost of service is 750 rubles/first year and 450 rubles/subsequent years by the employer. By account classic card can be controlled remotely - from mobile phone or via the Internet. You can issue an additional card for a child over 7 years old. this type card will be beneficial for traveling abroad - in one of Sber's 9 subsidiary banks you can withdraw cash under the same conditions as in Russia:
- Sberbank BH
- Sberbank a.d. Banja Luka
- Sberbank Srbija
- Sberbank Slovensko
- Sberbank banka
- Sberbank d.d.
- Sberbank CZ
- Magyarorszagi Volksbank Zrt.
- VS Bank
Electronic cardsprofitable minimum commission for annual service - 300 rubles with almost standard functionality, although Sberbank itself classifies them as the entry level. TO electronic map You can also issue an additional one, and it will be suitable for payments abroad.
Virtual cards designed for online shopping and have a low service cost - 60 rubles. You won’t be able to touch such a card with your hands, but you will never lose it, because all that is available to you is 16 digits, the CVC code and the expiration date. It is convenient to link it to your electronic wallet.
Premium cards are intended to serve clients within the Sberbank Premier package. They are suitable for businessmen who fly frequently and have significant balances. Savings on the card are subject to insurance, as well as you. The cost of monthly service within the Sberbank Premier tariff is 2,500 rubles, and if the balance at the end of the month is not less than 2.5 million rubles, it is free. Moreover, you can withdraw no more than 500,000 per month from such a card (and no more than 50,000 per day). And if you accidentally go into the red, be prepared to reimburse expenses with a “fine” of 40% per annum.
Everything else premium card convenient - there is a system of contactless payments, a personal concierge who, upon calling, will book a hotel room or issue a plane ticket for you, life and interests insurance when traveling abroad for 100,000 USD, use of airport business lounges and coverage of 2,000 USD for each card (up to 5 cards can be issued within one package).
Gold cards- these are the privileged Visa cards or MasterCard. The annual cost of service is 3,000 rubles, and it can be issued as part of salary projects. Most often, gold cards are issued to emphasize one’s status and at the same time to secure large savings. Also, holders of privileged cards become participants in a system of discounts and privileges from the Visa and MasterCard WorldWide payment systems.
Platinum cards– cards of the highest class with all possible premium services in Russia and abroad. Even if the owner platinum card will lose it somewhere abroad, personal manager will promptly find the nearest Bank and organize cash withdrawal. The cost of the pleasure of owning such a card is 10,000 per year.
The cardholder receives purchase protection and an extended warranty, legal and medical support anywhere in the world, personal service and the envious glances of standard cardholders.
Affiliate cards: Currently, Sberbank issues “Gift of Life” cards - where every 0.3% of your purchases goes to help children and “Aeroflot”, where for every 50 rubles you are credited with 1 mile. Servicing of these cards is 1000/900 rubles, respectively, and can be issued for salary projects
How to get a Sberbank debit card?
If you have already decided on the type of card, all that remains is to apply with your passport to the nearest Sberbank branch. You can receive an instant card and a virtual card today, but the rest will have to wait up to 2 weeks.