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Sberbank card visa electronic terms of service. Advantages and disadvantages. Transactions with Visa Electron

The world is rapidly switching to making payments for any purchases by bank transfer. Sberbank issues bank cards for this, one of which is a system. The conditions are quite tempting, and the opportunities that open up are wide. The price for it is very loyal.

In this article:

Terms of Use

Become a cardholder VISA Electron perhaps at the time of the re-release of the "old" plastic. Sberbank managers offer a card with updated conditions, instead of the previous one.

No commission

If you pay for purchases with a VISA Electron card in a non-cash mode, then no commission is charged. So paying for goods and services via the Internet, receiving cash within the limits of the rules for using plastic and depositing money into a card account do not have commissions.

Restrictions

The main restrictions in servicing and obtaining VISA plastic cards relate to the model momentum. This option - instant issue on the day of request. But it is impossible to reissue such a card in case of loss. As well as you can receive cash from plastic only at Sber ATMs and its cash desks.

If the validity period has expired or the card is lost, then it is issued from its balance in the normal mode, there is no urgent option for receiving money.

Have you ever released a Momentum card?

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Limits

Like most Sberbank cards, VISA Electron has set limits on some transactions. So:

  • maximum amount of cash withdrawal from the card for a monthly period - 500 thousand rubles, and for momentum - 100 thousand rubles;
  • maximum amount of cash withdrawal for 1 day - 50 thousand rubles;
  • maximum amount of depositing money for plastic per day - 10 million rubles.

For VISA Momentum there is also a payment limit - 100 thousand rubles. The amounts are indicated in rubles, if transactions are carried out in a currency, then the limits relate to equivalent amounts, for example, the cash withdrawal limit for 30 days is: 100 thousand rubles/$1 500 /1 300 euros.

Expert opinion

Natalia Ponomareva

Senior loan officer in a TOP-50 bank, 11 years of experience in the banking sector

Ask an expert

Restrictions apply to non-cash payments. If you violate the established rules, the bank charges a fine from 0.5% - 0.75% of the amount of violations. Withdrawal of finances at bank branches and ATMs outside the Sberbank network is subject to a commission in the amount of 1% of the amount or minimum retention 150 rubles / $ 2.3 / 2 euros.

Additional features

In addition to simply storing money, owning the plastic in question implies certain opportunities.


Types of plastic by purpose

Additional plastic. It is issued upon request and in the name of a client who has a single account with another client of the bank. Such a carrier is called additional. Most often, it is issued for children at the request of a parent or guardian.

Salary card. It is offered to employees of firms that have concluded a contract with Sberbank for the corresponding service. The service is also good because the salary can be received in the currency chosen by the employee of the company.

Instant transfers

Plastic with the VISA Electron system has an additional functional account when registering with Sberbank Online. The interface displays the account corresponding to the card. It is possible to make a transfer from it, both between your accounts and other clients of the bank, and by account numbers of other banking institutions.

Logging in is standard - using a username and password. In menu by tab "Transfer" payments are carried out with instant crediting.

Use of currency

A distinctive feature of VISA is multicurrency settlement system. So, with the same card you can pay by checks in different countries of the world. But before leaving, it is recommended to notify the bank about the planned trip and the use of plastic abroad.

Self service

It is also possible to put finances on a card and carry out instant transactions in self-service terminals - Sberbank ATMs. By inserting plastic, entering a pin code, you can deposit cash, make a transfer or take an extract. Money is credited to the account immediately.

Cashback

The owner's ability to use plastics will increase after the activation of the program « » . This loyalty program credits a certain number of points to the account linked to the card. With such bonuses it is possible to pay for goods and services instead of electronic money. Points are awarded after paying for orders from partner companies of the bank.

Issue and receipt rules

Sberbank has established simple and democratic conditions for receiving. The client must have a debit account with Sberbank. It is possible to open it by filling out an application online or at the bank office. The account is opened on the applicant's passport. They receive plastic according to the same document.

The main card is issued for Russian citizens aged over 14 years old. Additional card holders can be issued to children aged from 10 years.

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Application online

Making a product takes up to 7 business days. At the end of the term, you must go to the specified office.

For minors

To receive an e-card by a minor, written permission from a parent or legal guardian is required.

With a different nationality

Where the client is registered does not matter. VISA Electron is issued both for non-residents of the Russian Federation and for resident persons, but without official registration. A citizen of another country should obtain permission from the head of the Sberbank branch.


For payroll project

When plastic is requested under a salary service agreement, it is necessary to receive a card on the territory of the company where the employment is registered.

Tariffs

On the official website of Sberbank, the cost of issuing the initial VISA Electron card is 300 r. After she is in use 3 years, it is supposed to be replaced free of charge.

The tariff scale and limits for specific types of transactions are presented in the table:

Many are wondering what is the cost of servicing VISA Electron from Sberbank. It is made up of several components.

To obtain maximum convenience and save time, plastic cards are used, which significantly reduces the cost of shopping on the Internet and gives all kinds of privileges in the form of promotions and discounts in most modern stores.

Sberbank offers to use its card from the Visa Electron payment system. This is not only ease of use and prestige, but also the maximum benefit.

Suggested Species

The card from Sberbank Visa Electron is designed for transactions in Russian rubles, however, you can withdraw funds in any currency at the rate offered by the Central Bank. Its number, consisting of sixteen digits, is indicated on the front side. On the reverse side, the plastic card is equipped with a magnetic strip, which allows reading the necessary data by technical devices when performing financial transactions. Electron cards are the most popular for entry-level use. They are divided into debit and credit. A bank card, both credit and debit, has a basic set of features, with the exception of those that may not be useful to users.

Credit card Momentum Visa Sberbank

For example, it is difficult to use the bank card in question outside the territory of our country, since all operations are coordinated with a financial institution online. If the ATM does not have such a function, the action will fail. It should be noted separately that Electron is the best option for paying salaries, student scholarships or pension accruals. Ease of use and fast turnaround time are noted on the positive side by many Sberbank customers.

Credit card

Visa Electron from Sberbank has a credit limit of up to 150,000 rubles. When using it, it is recommended to manage funds in a non-cash way.

The grace period is 50 days without interest. When withdrawing cash, this period is canceled, so the organization advises paying for purchases and services directly remotely.

The commission for issuing at ATMs is about 3%, and the amount must be at least 200 rubles. A credit card is accepted in any service systems where the Visa symbols are indicated, but it is worth considering that Sberbank ATMs are more loyal in terms of commission.

A great option for paying online: shops, hotel and ticket reservations, fines and much more. Extended opportunities and promotions provided by the bank and the payment system itself are expected. In the event that the grace period has expired and the loan has not been repaid, a fine of 19% per annum is charged on the balance. In the absence of the possibility of full repayment, you can deposit a monthly amount in the minimum amount. The bank notifies the client of the need to deposit funds to the account by SMS informing 15–20 days before the deadline. The minimum amount can be clarified in your personal account or you can see it in the agreement concluded with Sberbank.

Sberbank Visa credit card

If the funds are deposited in a larger amount than required, then the user can spend them at his own discretion during the next month, that is, the money will remain in the account. With a Visa credit card, it is not possible to transfer borrowed money to any other account, even if it belongs to the same user. This includes a grace period. In cases where there are no debts, the card functions as a Classic type from Sberbank, that is, it can be used outside Russia. The validity period is 3 calendar years, after which it is necessary to renew the contract and get a new version.

Debit card

This type of Electron card provides for a whole range of services at a low cost. These include non-cash payments plus transfers, remote management within 24 hours. The annual fee is 300 rubles.

The Visa system regularly provides an opportunity to participate in promotions and savings programs. It is possible to issue additional cards, including children's cards (7+).

Getting cash is the same both in Russia and in foreign countries. It is supposed to use rubles, US dollars and euros.

The client can manage through the service "Online" and mobile banking. The younger generation will appreciate the functionality of the Sberbank mobile app. All financial transactions are protected by the technology "Varified" - a guarantee of reliability from Visa. The card is linked to the most popular electronic wallets: Qiwi Wallet, Yandex and the like. Replenishment is carried out in two main ways - in cash and by transfer. The "Thank you" program is active with the possibility of accumulating bonus points. It is worth remembering that all payment details must be kept in strict secrecy and not disclose data on any Internet resources.

Main advantages

To control the status of a personal account on the "plastic" Visa Electron, you can easily connect a mobile bank. This will allow you to make any payments, having access only to the phone, as well as to block funds in case of emergencies (loss, theft, fraud). The service of tracking account activity using a personal account on the official website of the organization is also indispensable.

Sberbank digital credit card Visa

A full package of services is connected at the nearest branch of Sberbank with a passport. This will save time on subsequent trips to the institution when questions arise or operations are performed.

A limited package is available for activation in terminals.

The innovative Verified by Visa security system is also positive, especially for active network users. To perform actions on the sites, you should get a check with ten passwords (issued at the branch).

Another option is SMS with a password for one time, provided that the Mobile Bank is connected. Such a system is reliable protection, however, one-time codes must be stored carefully and with a great deal of responsibility. The credit option is extremely easy to use and has some limitations compared to the classic "plastic" options. This is due to the fact that the bank issues it to persons with a limited credit history or no history at all.

The Electron card can be obtained by clients with a minimum income, as well as citizens for whom the card is issued for the first time. The disadvantages of Visa Electron include:

  • Some restrictions in the territorial location - it is difficult to carry out operations abroad.
  • Lack of embossed initials on the front side, which limits payment in some areas of service.
  • Approval of all actions online.
  • All services of informing about limits and tariffs are paid.
  • In case of loss, the reissue will cost the user somewhere in the 2 US dollars.

As you can see, Electron, regardless of type, has much more advantages than disadvantages. This explains the popularity of the plastic card among different segments of the population.

Conditions for obtaining

A Visa Electron credit card can be obtained by a client on an individual offer from Sberbank, who has an account with an organization, a salary or pension card. The age interval is from 21 to 65 years inclusive. Plus, the potential client must have the citizenship of the Russian Federation and permanent residence in the region where the application is made. In the absence of loans in this institution, income statements are required, in most cases 2-personal income tax. A mandatory document is a personal passport and a foreign one, the latter should contain data on flights carried out six months before the date of issue.

Sberbank League of Legends credit card

The bank has the right to demand all other documents on an individual basis. If in the end everything is in order, the manager will contact the phone number indicated in the application. All data on the credit limit and interest rate are agreed with the branch employee during a personal interview. The loan is issued within one week. To apply for a Visa Electron debit product, you need to contact the regional office, but if the client wants to get an option with an exclusive design, then the application is submitted through the official website. Of the documents, only a passport with Russian citizenship is required.

A form with personal data is filled out, signed and handed over to the employee. The application will be considered within two working days, after which the manager will inform about the decision. Card issuance takes approximately 14 days. Of the requirements for the issuance of "Electron" noted:

  • Residence of the Russian Federation / non-residentiality (parameters are negotiated additionally).
  • Age - from 14 years.
  • Registration on the territory of the country in which the card operations will be carried out, temporary or permanent.

The Electron card from Sberbank is also a salary card.

For this kind of payment, it is very convenient. You can apply for it at any business hour. Requirements - reaching the age of majority, an identity document. The issuance is free of charge, the cost of maintenance per year is 150 rubles. The positive thing is that the balance is accrued every quarter, equal to one percent per year. The size is small, but with a decent balance, the amount of savings will be quite satisfactory.

The Visa Electron card is the best option for beginners in non-cash payment transactions. With a rather moderate functionality, in comparison with other representatives of Sberbank cards, Electron has the maximum required package of services for the user. The ability to pay around the clock, the low cost of annual maintenance, the availability of all kinds of bonuses and discounts from the world's leading payment systems, as well as a high level of protection make using this card convenient and reliable.

VISA Electron Momentum of Sberbank is the most popular card from the largest bank in the country. It belongs to the first category of cards, but despite this, it is optimal for most customers.

Opportunities and conditions of VISA Electron Momentum

Distinctive features of the card - free service and a quick procedure for obtaining. To receive a card, it is enough to come to a Sberbank branch with a passport, fill out an application form, sign a universal banking service agreement, and you can immediately pick up your card.
Any citizen of the Russian Federation who has reached the age of 14 can apply for a VISA Momentum. The card is issued for a period of three years. When registering, you can choose one of three currencies - rubles, dollars and euros.
Sberbank's VISA Electron Momentum card allows you to manage funds both using a card and remotely. You can connect Mobile Banking and Internet Banking. This allows you to make payments directly from your mobile phone or computer, including transferring money to other individuals and organizations, paying monthly fees for housing and communal services, telephone, Internet and other services, paying fines, etc.
Card features:
  • Payments at points that accept bank cards (eg supermarkets);
  • Online management;
  • Distribution of funds between several of your cards;
  • Automatic monthly payments in a fixed amount;
  • Participation in the Thank You bonus program from Sberbank;
  • Cashless payments in self-service machines and ATMs.

Cardholders have access to special promotional offers and discounts from VISA. The main disadvantage is the presence of some restrictions on online payments. In particular, the card does not support the modern 3D-Secure protection system, which provides maximum security for online payments.

How to top up VISA Electron Momentum

The Momentum card from Sberbank is not issued as part of a salary agreement, but it is possible to connect regular automatic payments. You can top up your balance with cash. It is enough to contact the bank's cash desk, name the card number and transfer the money to the operator. As a rule, enrollment is carried out instantly. There are also several ways to replenish the card balance without visiting Sberbank branches:
  • make a transfer through Mobile Banking or Sberbank Online;
  • replenish the balance using cash-in ATM or terminal;
  • transfer funds from another VISA card (from any banks) through the VISA Direct service, which is available on the Internet, as well as at ATMs and terminals from third-party financial institutions;
  • transfer money from another bank card, indicating the account and card number, details of the branch that issued the card, and your last name.
Regardless of the method of replenishment, funds are credited instantly. Sometimes there may be delays of 24-48 hours.

How to check balance

To correctly plan and allocate the budget, you need to control the current balance of funds. You can do this in the following way:
  • Connect Sberbank Online to manage your account from a computer. A report on all transactions can be selected in the relevant section of the site, indicating the required dates;
  • Subscribe to the Mobile Banking service. Each completed payment transaction will be accompanied by an SMS notification;
  • Call the Contact Center of Sberbank. You will need to dictate the card number and your last name;
  • Subscribe to a monthly report on all transactions.
If you wish, you can connect all three services, this will always keep the balance under control.

Visa cards are one of the most widely used in the world. This standard is supported by almost all credit institutions, including Sberbank. The cost of servicing cards may vary depending on the type of contract and the package of services provided. The most popular types of Visa cards today are the Classic and Electron types. They work all over the world, all year round, they can be both deposit and credit. The opening of these cards in Sberbank takes place in Russia and abroad on exactly the same conditions.

Visa Classic from Sberbank - service cost

As the name suggests, Visa Classic is a classic card for international use. The cost of its service in Sberbank is floating. The cost of annual maintenance of this type of card is from 0 rubles, but this is valid for exceptional cases - personal offers from Sberbank.

The cost of servicing the card during the first year will be 750 rubles. For those who pay for bank services in other currencies, the equivalent is set at 25 euros and 25 US dollars. In the second annual period, the cost will be lower - 450 rubles or $25, €25.

Advice: contact the bank branch with a request to open an account and find out all the details of connecting a Visa Classic card, as well as the availability of promotions or bonus programs. Sberbank periodically introduces special connection conditions. This can bring you both additional benefits, and vice versa - burden you with unexpected obligations. Evaluate the pros and cons, and then you can choose the appropriate option. For comparison, evaluate conditions.

It is possible to open an additional card for a child over 7 years of age. For persons who have not reached the age of majority, it is currently impossible to open a similar card on their own - the Youth card can be issued from the age of 14, but it does not apply to the Visa standard. Note that Sberbank issues Visa Classic cards in the standard version for only three years, so if you are going abroad for a long time, make sure that the card has a sufficient service life. What could be worse than going on vacation and suddenly losing access to the funds in your account?

Visa Electron from Sberbank - service cost

Some operations require the simplest card. It is for such cases that Visa Electron type cards are purchased. Maintenance of such cards is somewhat cheaper than standard Visa Classic. At the same time, there are restrictions on it. Limits on operations have been reduced, although Sberbank compares favorably with its competitors in this respect. Visa Electron cannot be used as a credit card, unlike Visa Classic.

Sberbank stopped issuing cards of this type from March 1, 2016. Today it is not known whether the issue of Visa Electron will be restored. Existing cards that have not yet expired are serviced for 300 rubles per year. What will be the cost of supporting new cards, if they do appear, is still impossible to say, but it will definitely be less than the tariff set for Visa Classic. If you want to get the most out of cooperation with a credit institution, learn more about. It is possible that you or your relatives have the opportunity to use the appropriate program.

How to apply for a Visa card in Sberbank?

Citizens of the country whose age is 21 - 65 years old can apply for a Visa card in the Russian Federation. They must have a permanent registration in Russia, and the total length of service must be at least 1 year over the past 5 years. Also, Sberbank does not issue cards if employment at the current place of work is less than 6 months. Visa Classic cards are issued at a bank branch. Candidates for obtaining a card must fill out a special questionnaire, which is provided by Sberbank employees themselves. The application is considered within two working days. This applies to credit cards, it takes much less time to receive a debit card. If it is not always convenient to use the services of Sberbank in your region, choose another one. This will help.

There is an opportunity to issue a Visa Classic on preferential terms if you are a client of Sberbank. Provided that you have a consumer loan, salary, debit or pension card. These factors also affect the provision of a credit limit for universal Visa Classic. The amount of credit funds can be up to 600 thousand rubles. There are terms and conditions.

It is possible to issue a card remotely. To do this, you must fill out a form on the Sberbank website. After the approval of the application for a Visa card, in the personal account of the bank's electronic service, you will see the size of the credit limit, terms of service, as well as benefits. You yourself choose which branch of Sberbank the card will be delivered to. To pick it up, you need to go there with your passport. In some cases, it is possible to carry out urgent registration of Visa Classic. Upon arrival at the bank, you can tell the employees of the relevant department about the need to urgently receive the card - it will be in your hands in 15 minutes. Unlike loans,

The Visa Electron card of Sberbank is very popular with our fellow citizens. This is an interesting product that opens up a lot of opportunities for the cardholder. But from March 1, 2016, the Savings Bank of Russia stopped issuing these cards. Those lucky ones who have not yet expired Visa Electron from Sberbank can read below about all the advantages and possibilities of using this product. Also, this article will tell you which of the proposed variants of the Visa family from the Savings Bank of Russia can "painlessly" replace the already beloved Visa Electron card.

What is a Visa Electron Sberbank Card

Visa Electron from Sberbank is a simple electronic carrier with instant issuance from the category of classic payment instruments linked to the client's current account.

The Visa Electron card has not been imitated by Sberbank since 2016

The Savings Bank of Russia used cards as a "starter" product to encourage customers to use a simple electronic medium for financial non-cash transactions.

Visa Electron from Sberbank has taken root among Russian citizens. Salaries, social payments were credited to it, used for trips abroad and for online payments. This card has all the features of the Classic cards.

A Visa Electron card of Sberbank was issued to people over 14 years old for 3 years with the right to reissue, but as noted earlier, since the spring of 2016, the initial release of the product at Sberbank has been stopped. Since the last of the issued plastic instruments have a final period of use in March 2019, many owners are in no hurry to part with an already verified payment instrument.

Debit cards from the Visa "family" offered by Sberbank today

Visa is a brand of the international payment system of the same name, which covers more than 200 countries. This payment system has a high level of protection and can be issued in the currency of other states. The benefits of Visa debit cards include:

  • instant payments;
  • low maintenance cost;
  • participation in incentive (bonus) programs.

Sberbank issues the product in the following currencies:

  • rubles;
  • U.S. dollars;
  • Euro;
  • multicurrency cards.

Residents of more than 200 countries trust the Visa payment system

With the help of plastic cards from Visa, the client can withdraw cash, make a cashless payment within the country or abroad, make a purchase via the Internet. Today, Sberbank can offer three types of debit cards from the Visa payment system:

  1. classic with a standard package. This is a classic (starter) plastic, which is distinguished by a low price for annual maintenance. At the same time, it has a good set of functions and is designed for the mass user. The payment instrument can be used for payroll projects, other accruals, or simply for making cashless payments.
  2. Gold class. Golden plastic, in addition to the standard set of services, allows its owner to make payments abroad, order tickets, restaurants, hotels. Enjoy VIP lounges at airports around the world.
  3. Platinum for privileged clients. Such a product has a higher service priority, including a personal manager 24 hours a day. The opportunity to receive free consultations on medical and legal issues.

Gold and Platinum plastic cardholders receive high bonuses for purchases within the country under the Thank You from Sberbank program.

Visa Electron Sberbank card: features and benefits of the product

To figure out how you can replace the Visa Electron card of Sberbank, we list what “abilities” it has:

  1. Simple service. The bank has fairly simple requirements for issuing a card. Initially, the client applied for the manufacture of plastic at a branch of Sberbank or online. After approval, the product was issued. All that was required from the client was a copy of the passport. Visa Electron was issued from the age of 14.
  2. Convenient functionality. The product made it possible to read information from the chip, and also enabled the cardholder to use remote access services, such as: Sberbank Online, Mobile Sberbank, and a mobile application.
  3. Security and protection of operations. The card has a CVV2 code on the back, and SMS informing the owner is also connected when performing any transactions.
  4. Favorable annual service. The cost of the initial release of electronic media is 300 rubles. Scheduled re-release was free of charge. In case of loss of an electronic instrument or a PIN code from it, the price of reissue was depending on the currency of the plastic: 60 rubles, 2 dollars, 2 euros. The issuance of extracts was charged at 15 rubles. for 1 request.
  5. No commission. The owner of the Visa Electron made non-cash payments at retail outlets and the Internet for free. Withdrawal of funds at ATMs of Sberbank, as well as partner banks, did not provide for a commission. Money was credited to the account without commission.

Alternative options for replacing a Visa Electron Sberbank card

  1. Momentum: Visa and MasterCard.
  2. Visa Classic.

You can replace Visa Electron with Momentum (Visa, MasterCard) or Visa Classic cards

These alternative options attract with a free condition for registration, reissue and maintenance. It is also possible to use products abroad.

What unites the Momentum card with Visa Electron

Let's figure out what these, at first glance, completely different products have in common:

  1. Issuance conditions. Democratic conditions in both versions of the annual service. Issued to customers over the age of 14.
  2. They can be issued to both residents and non-residents, subject to registration.
  3. After confirming the application for the issuance of plastic, the product is issued according to the passport for 10 minutes.
  4. It is possible to issue in different currencies: rubles, dollars, euros.
  5. Gives access to work with remote software services (Sbarbank-Online, Mobile-banking, etc.).
  6. The same limits for withdrawing money from ATMs and cash desks of the bank: 50 thousand rubles per day, but not more than 100 thousand rubles per month.

It is worth noting that, unlike Visa Electron, Momentium provides for the withdrawal of a commission for cashing funds in another territorial bank or at ATMs of partner banks. On average, such a commission is 0.75% of the withdrawal amount.

Momentum can be a worthy replacement for Visa Electron with a standard package of services for a debit card.

Visa Classic how much does the service cost

Another “substitute” for Visa Electron is a card from the Classic line. It can be taken with you abroad, as it already has all the necessary functions for service in other countries. Consider what a Visa Classic card is.

The plastic is produced in nominal form and provides for the embossing of the name and surname on the front side of the card. This fact helps to identify the owner of the electronic payment instrument, which greatly simplifies some calculations. Now let's figure out how much the maintenance of this card costs:

  1. The price of annual maintenance is 750 rubles. For currency accounts it is $25 or 25 euro.
  2. Production time for plastic is from 7 to 21 days.
  3. It is possible to issue additional media of financial information, up to 5 pcs.
  4. The cash withdrawal limit at the cash desk is up to 150 thousand rubles.
  5. The limit for withdrawing money in foreign currency is commensurate with the amount of 150 thousand rubles.
  6. It is allowed to withdraw 1.5 million rubles per month.
  7. For non-cash transfers, provided that they are carried out through Sberbank, there are no restrictions on the turnover of funds.

As for issuing a card, you should know some of the features of issuing a Visa Classic card.

  • A card is issued to citizens of the Russian Federation.
  • Age restrictions range from 18 to 65 years.
  • The client must have a permanent residence permit.

If the Visa Electron debit card from Sberbank was your first card, then you had an excellent opportunity to evaluate the benefits of a start-up financial product from Sberbank. It's a pity, but today the issue of this card is no longer available. In return, the bank offers its customers other equally popular Visa Classic and Momentum debit products. Also, customers can reissue financial media with a higher class.