The domestic banking system consists of credit institutions that have received a license to operate from the regulator. Each bank has its own clients. Special accounts are created for clients, where they place and withdraw their funds. Bank accounts are divided into types. How to find out if a deposit or current account is opened in a financial and credit organization, we will consider in the article.

Accounts can be divided into three types:

  • current;
  • card;
  • deposit.

Current account

The current account is used most often for purposes related to payroll and payments. It is not used for savings and for investment purposes. The main task of the current account, aimed at serving the clients of a particular bank, is the instant access of each of them to their money.

Interest is not charged on the balance of funds, and if the bank offers this service, then the interest will be small. The account can be opened in rubles, as well as in foreign currency. With it, you can receive and send transfers, cash out finances, and transfer them.

Checking account

A variation of the current account is a checking account. It is opened by organizations or enterprises that are not credit institutions, as well as individual entrepreneurs and other individuals legally engaged in private practice to carry out settlement transactions related to doing business (Instruction from the Bank of Russia under number 28-I).

Card account

A card account is used to conduct monetary transactions using bank plastic cards. If the bank offers this product, the client needs to clarify certain nuances:

How much does it cost to maintain this account;
the presence of a commission for withdrawing cash from ATMs or at the cash desk;
;
availability of additional services.

Plastic cards are divided into two types: debit and credit.

On the debit card are the savings of customers in the form of wages, as well as other income. The card is used to pay for purchases by bank transfer and for online purchases, payments for mobile communications, utilities, etc. The amount on the account cannot be exceeded.

Credit cards, being a form of consumer lending, allow you to exceed the limit of money in the account. If the borrower makes timely payments for the loan, the credit limit can be increased, but after a while.

Credit cards are common among Russians. They are convenient to use, and the borrower pays for this comfort with higher interest rates, if we compare this loan with cash with the issuance of cash as a loan.

In some banks, a card account is attached to the current one. This allows it to be used for card transactions, both credit and debit.

Thanks to the card account, money can be used at any convenient time. The advantage of the cards is that when carrying out payment transactions, you do not need to visit the bank, spend time in line: it is possible to carry out all the necessary operations through an ATM. But to receive or send funds, it is better to use a current account.

Deposit

A deposit account is opened for the purpose of increasing savings. They are charged interest by the bank. This is one of the types of receiving passive income or investing with a small probability of risk and, therefore, a low income. However, deposits are widespread in Russia. Banks offer different conditions for deposits and deposits. Basically, bank customers do not have access to their deposits (during the validity period of the agreement of the same name), and for this they are charged%. They can be capitalized, withdrawn every month, quarter, received as an advance, etc.

Deposit account and current account: what is the difference?

A deposit account is a bank account with an amount of funds that is placed for a certain period of time at interest under an agreement. The account holder does not have instant access to the deposited amount.

A current account, unlike a deposit account, implies instant access to money for clients, this account pays for services of a different nature, as well as purchases in a store. Interest on the balance of the account is not charged or they are, but in a meager amount. Thus, the difference between deposit and current accounts from each other is as follows:

  • account mode;
  • value %;
  • the cost of account transactions.

The deposit account is not used to transfer funds, make payments, purchases, etc. This restriction on the possibility of spending the deposit is due to the fact that the credit institution calmly disposes of the money entrusted to it at the time specified in the agreement.

Often, in the classical forms of the deposit, the client does not have the right to withdraw the funds deposited with the bank earlier than the period specified in the agreement with the bank. It is for such inconvenience that the account holder receives an increased percentage.

Deposit components:

  • % rate - for the presence of money on deposit, an interest is charged, which is higher than that applied to demand accounts;
  • term - upon its expiration, the deposit is closed;
  • insurance - in the event of the termination of the bank, the depositor is returned the amount of 1.4 million rubles according to innovations (previously it was up to 700 thousand rubles);
  • replenishment - the deposit can be replenished in some cases, but it is impossible to withdraw money during the period of the contract.

The deposit is closed by writing 2 statements. One application is aimed at closing an account, and the second - a deposit. After closing, funds are transferred to the current account or issued in cash to the account holder.

Deposit account and current account with Sberbank for individuals

Sberbank has been operating for many years. With this circumstance, the population associates it with reliability. Most citizens bring money to this credit institution, which is placed on deposit. Among the offers from the country's leading bank related to the placement of money on deposit, we can highlight:

  1. "Save": replenishment - no, withdrawal - no, early closure - possible. The rate is 9% (rubles), 2.22% (dollars), 1.7% (euros).
  2. "Save online", "Save pension". Online is opened only through Sberbank online, and the second type of deposit is offered only to pensioners.
  3. "Replenish": replenishment - yes, withdrawal - no, early closure - possible. The rate is 8% (rubles), 2.00% (dollars), 1.01% (euros).

The remaining deposits from Sberbank are designed for the possibility of partial withdrawal of funds. These include contributions from:

  • "Manage";
  • "Multicurrency";
  • "International", etc.

New bill

The receipt and expenditure of funds on deposits is usually reflected in the savings book of Sberbank. Recently, their issuance has declined sharply, instead of them they offer Sberbank Maestro cards. There were persistent rumors that the Savings Books would be abolished. And these rumors in February 2016 received a real basis. The Russian government has submitted a bill to the lower house of parliament that would abolish the bearer savings certificate and savings book.

The authors of the bill

The authors of the project are implementing their idea, according to them, within the framework of improving Russian laws in the field of cashless payments and taking measures to counteract the legalization of profits that were obtained illegally. And also within the framework of combating the financing of terrorism.

The Ministry of Finance believes that these measures will be implemented only when savings certificates and bearer books are excluded from circulation. What will happen to personalized savings books remains unclear.

Meanwhile, many consumers of banking services prefer savings books with a deposit account to the constantly imposed plastic cards. Most of these citizens are people of retirement age who find it difficult to deal with a plastic card and the mechanism for withdrawing money from it. For them, the savings book has become a symbol of their income, which is in the bank.

At the same time, another category of the population, young people, prefer plastic cards. They are everywhere implemented by all, without exception, banks, offering credit products or issuing a card as a debit card. And there are subtleties here, but they relate to the topic of loan products from banks.

Sberbank is one of the most popular banks in Russia. Today, many Russian citizens have cards from this credit institution. But the variety of debit cards offered here means that many do not know which card product to choose.

Advantages and disadvantages of Sberbank debit cards

Before understanding the conditions of various Sberbank debit cards, it is important to study their general advantages and disadvantages. Among the advantages of this product, the following are usually distinguished:

  1. Simple and fast design. To open a debit card, just contact the Sberbank branch with a passport. An important condition is the presence of permanent or temporary registration.
  2. Ease of use, the ability to set up automatic transfer of utility bills and a mobile phone.
  3. Debit bank cards help keep funds safe while traveling and when traveling to other cities. Today, you can withdraw money in almost any city in the world. If during the trip they run out, the card can be quickly and easily replenished by relatives or friends.
  4. Possibility to use a debit card account to pay salaries and pensions.
  5. Most of the cards offered by Sberbank allow you to make payments on the Internet.
  6. Availability of bonus program Thank you. In the case of payments for goods and services with a card, special points are awarded to it, which can later be spent on purchases.
  7. There are debit cards, on the balance of which income is accrued in the form of interest.

Despite a significant number of advantages, a number of disadvantages of the banking product in question can be identified:

  1. Not all small retail outlets are equipped with terminals; for purchases in such places, you will first have to withdraw cash from the card at an ATM.
  2. Most card products have a paid service.
  3. If you withdraw money from an ATM of another bank, there will be a commission. But for Sberbank, this minus is not very relevant, because its ATMs are installed in large numbers throughout the country, including in small towns.
  4. There is a limit on withdrawals. You can withdraw no more per day than is established by the contract.
  5. Although debit card money is more secure than cash, it is not uncommon for them to be hacked and scammed.

In fact, most of the shortcomings can be easily overcome if you know about them.

Types, tariffs and terms of service for debit cards

To understand which debit card to choose at Sberbank, it is important to carefully study all existing offers. Most of them can be opened in rubles, dollars or euros. However, those who need a currency debit card should know: Give Life and MIR cards can only be opened in rubles.

Instant are international debit cards with free service. It will take a little time to get them. It is enough to go to the Sberbank branch with a passport, sign an agreement and pick up your card in 10 minutes.

Registration of the card is available from the age of 14. An important condition is the presence of a permanent or temporary residence permit. The card is not named. Its validity period is three years. It should be borne in mind that it is impossible to attach any additional ones to Sberbank Momentum. For non-cash payments, Sberbank accrues so-called bonuses, which are called Thank You.


Classic cards are traditionally the most popular. They offer the best combination of value and quality. The main conditions of Sberbank for classic cards are as follows:

  1. The validity period for Visa and Mastercard is three years, for MIR cards - five years.
  2. The service fee for the first 12 months is 750 rubles, then you will have to pay 450 rubles annually.
  3. The debit card limit for non-cash transfers is 500 thousand rubles within 24 hours, for cash receipts - 300 thousand.

Cards of this type allow you to make payments with just one touch to the terminal.

Gold debit cards

Gold cards demonstrate the high status of the holders. They allow you to get an extended list of services combined with benefits. The annual maintenance of gold cards costs 3,000 rubles. Now there is a promotion for Sberbank gold cards - the first year with a 50% discount, that is, the service will cost only 1,500 rubles in the first year.

For Gold status cards, the age limit has been increased - they can be obtained no earlier than eighteen years old. However, the owner of the main card can also order an additional card for children from the age of seven.

Classic Debit Card "Give Life"

The Gift of Life card allows you to help seriously ill children. Sberbank transfers money to a charitable foundation in the amount of a small part of the amount spent by the owner of such a card on purchases. Moreover, the bank donates half of the amount spent by the client in payment for the first 12 months of service. According to the tariffs, the owner pays 1,000 rubles for this period. Subsequent maintenance will cost 450 rubles for every 12 months.

Such cards participate in the bonus program Thank you. At the same time, reaching the amount of all purchases of 15 thousand rubles in the current month allows you to count on an increased bonus in the next.

Sberbank offers pensioners a profitable product - a free debit card. An application for transferring pension payments to a card can be filled out directly at a bank branch. To do this, you need a certificate of SNILS.

Among the benefits of this product are the following:

  • comfortable receipt of a pension, regardless of the work schedule of the post office and without queues;
  • accrual of income on the balance of funds on the card at a rate of 3.5% per annum;
  • mobile bank on preferential terms - three months of service is free, then thirty rubles.

The best VISA debit card with bonuses

The best debit card of Sberbank can be called Visa Platinum. It is enough to issue it to get a number of advantages:

  • highest status card;
  • bonuses Thank you up to twenty percent;
  • additional discounts from Visa - 20% on business class taxis, on transport rental, and luggage packing.

Servicing a Sberbank debit card of this type will cost 409 rubles for each month. At the same time, employees of the credit institution claim that with monthly settlements in the amount of more than fifteen thousand rubles, the amount of bonuses will exceed the service fee.

VISA card with custom design

For those who strive to be different from others in everything, Sberbank offers to order a card that will be made according to an individual design. Instead of a traditional drawing, any image chosen by the client is applied to it. You can apply directly through the Internet. At the same time, the future owner is offered three types of images to choose from:

  1. photos from the client's computer;
  2. photo from social networks;
  3. image from the Sberbank gallery.

Maintenance will cost 750 rubles for the first 12 months and 450 for the next. For an individual design, you will have to pay an additional 500 rubles.

Especially for young people (from 14 to 35 years old), Sberbank has developed favorable conditions. It is enough to issue a youth card to receive bonuses up to 10% of the purchase amount. Subsequently, these bonuses can be used as a discount from the check. The only condition is that its size cannot exceed 99% of the total amount due for payment.

The cost of servicing youth cards is one of the lowest - only 150 rubles for 12 months. This type of card supports contactless payment. Moreover, today it is not necessary to always carry a card with you. Any payments can be made from the phone.


Salary debit card

As part of the salary project, when concluding an agreement between the bank and the organization, the employees of the latter have the right to receive a salary debit card. In this case, the bank provides customers with the most favorable conditions. Most salary cards are issued free of charge, that is, they are cards without an annual service.

Additionally, payroll card holders receive a number of benefits:

  1. more favorable credit conditions;
  2. the ability to quickly withdraw funds anywhere;
  3. the comfort of managing funds via mobile phone or the Internet.

Review: is it worth issuing a Sberbank debit card?

Should I get a debit card from Sberbank? This question arises for everyone who chooses a credit institution. For many, the choice falls on Sberbank as the most popular bank in Russia. Owner reviews make it clear that the main advantage of this credit institution is a huge branch network, as well as the prevalence of ATMs.

However, convenience of use should not always incline the choice of the client in favor of the bank. Do not forget about the benefits of cards. Sberbank offers a huge variety of programs that differ in quite reasonable tariffs.

At the same time, the terms of the Thank you bonuses are not the most favorable. First, too little of the purchase is returned under the program. Secondly, there is an accrual of virtual bonuses. Of course, they can be used in future calculations. But not all sellers participate in the program. At the same time, many other banks offer real money back. It is on this principle that cashback debit cards offered by various credit organizations work. For example, Tinkoff Bank has such a product.

It is important to carefully study the pros and cons, as well as all types of debit cards from Sberbank and other credit organizations. Only in this case, you can be sure of the correctness of your choice.

Sometimes it happens that in everyday life we ​​use such objects, the meaning of which or the name is completely unknown to us. For example, most customers who have a Sberbank debit card sometimes don’t even know what it is. Therefore, it is worth saying that a debit card is a rectangular plastic card issued by a bank and designed to pay for purchases in stores or withdraw cash from an ATM. Any card has its own account, on which the client's money is stored, but not borrowed, but personal.

What is a debit card for anyway?

The debit card of Sberbank of Russia finds a very useful application in the daily affairs of people.

First of all, it is required by almost every person to simplify calculations when making purchases. For example, you come to the store, take all the necessary goods, and at the checkout make payment not in cash, but with a card. As a result, you get some advantages: you do not need to collect the required amount, add change to your wallet and generally wait for the cashier to count it. But here it should be said that in our country, mainly large retail chains accept card payments. But when visiting a small shop, you may have to pay in cash, since such a payment system is not yet provided everywhere.

Payment for purchases on the Internet. The youth debit card of Sberbank, and any other, allows you to pay on many sites on the Web. But be sure to remember that by giving your card details to the site, you can expose yourself to a certain risk from intruders who can take possession of yours. The safest way of all is to pay through a payment system (where you can also transfer money from a card) or payment security gateways. Debit cards are also very convenient to store money. You will no longer need to carry them constantly in your wallet, and when sending on a long trip, you will not have to worry about the fact that you have a large amount of money with you.

And these are not all the advantages that a Sberbank debit card has. What is it and why is it needed, we now know, but why is it better to keep your money on it? This is all because Sberbank takes care of the safe storage of funds in customer accounts. First of all, due to the fact that when carrying out any operation on the card, it is required to enter a secret code, and also if the card is lost or stolen, it can be easily blocked. To do this, simply call the support service or another number indicated on the card.

Withdrawing cash from a bank account is a very common operation that is performed. For the most part, this can be explained by the fact that cashless is not yet sufficiently developed, especially in sparsely populated cities. You usually have to withdraw wages for which a Sberbank debit card was issued. Everyone knows what it is when you have to withdraw the entire amount at once and then store it at home, but few know that you can do it in parts or even use bank transfers. In addition, classic debit cards do not provide for the possibility of lending at the expense of bank funds, but you can issue an overdraft.

How to use the card correctly?

You can use the Sberbank card throughout the country and abroad. The use of funds is possible only within the amount available on the card. In addition, in some cases, the bank provides an overdraft, which can be used when its funds have run out. Also, any card can go into an unauthorized overdraft. This situation occurs when there is a cost overrun. This can also happen if there are not enough funds to pay for annual maintenance, during currency conversion and in other cases.

Sberbank gift debit card

Customer reviews indicate that such cards are very convenient to use. Before using this card, its holder must sign the white ribbon on the back of the card. As a rule, Sberbank issues card data only with the Visa payment system, therefore, when paying for purchases, they may be asked to sign a check and even verify its authenticity using a passport. When paying for online purchases, you must use the three-digit security code, which is also located on the back. The card is not personal, therefore, if necessary, indicate the name and surname, they should be written in Latin letters.

Social card of Sberbank

To use this card, you must apply for a pension transfer to it. After that, it can be used as a simple debit card along with all available bank services. In addition, unlike other cards, 3.5% is charged on the balance of funds once every three months.

Sberbank youth card

The Sberbank youth debit card, like any other, is not so difficult to use. But at the same time, there are certain actions that are strictly forbidden to be performed on the card so that the money does not fall into the hands of scammers. Never give anyone your card number for no reason. Also, you should not report any codes that come in messages from the bank. This is necessary because if you know the card number and this code, you can transfer funds using the Mobile Bank.

Salary debit card of Sberbank

What is it, we have already talked with you above. Unlike a simple debit card, this one has the possibility of obtaining an overdraft facility, the amount of which can reach several monthly salaries. Such a card can be used as a salary only while you work in the organization. Upon dismissal, it should be returned or used further as a regular card.

Sberbank instant card

Instant cards are designed to perform two main functions: withdraw funds and pay for purchases. Transfers to such cards can be made through a bank, Internet, phone or other services. The received funds can be withdrawn in cash at any ATM. Also, you can connect the "Autopayment" service to the instant card for replenishment of cellular communication, payment and others.

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Having appeared in Russia relatively recently - in the early 2000s - plastic cards quickly gained popularity. Indeed, this is a great way to protect your savings from thieves and scammers and at the same time always have access to funds. Using a bank card, you can pay for purchases in a store or on the Internet, make a cashless transfer from your account or withdraw cash from any ATM.
Today we will talk about debit cards of the leader of the Russian financial market - Sberbank, which is trusted by millions of our compatriots with their savings. We will consider the types of cards that currently exist and discuss what a Sberbank ruble debit card is and what advantages it gives to its owner.

In fact, a debit card is a tool that allows its holder to manage funds without tedious visits to the bank, preparation of applications, queues at the cashier, etc. Contrary to the common misconception, money does not lie “on the card” - they are placed on a bank account, to which plastic can be tied. Thus, having lost or rendered the card unusable, you will by no means lose access to your own funds. Another thing is that you can withdraw them only in person at a bank branch, or by issuing a new card to your account.

A debit card has the following main parameters that you need to consider when applying:

  • Validity period - standard is 3 years from the date of registration / activation. It is indicated on the front side of the card in the format month/year, with the last day of this month being the deadline for using the card. After that, the plastic must be re-registered;
  • Issuance speed - instant (non-named, non-embossed) cards and standard cards, on which the owner's name is applied. The latter you will have to expect from 1-2 days to several weeks;
  • The type of card (virtual, prepaid, standard) determines the range of services that you can receive. So, for example, you will not be able to withdraw money from an ATM from a virtual card;
  • Payment system type(Visa, Golden Crown, MasterCard, etc.) limits the list of ATMs and terminals where you can use the card, and also determines the conditions for currency conversion;
  • The level of protection determines the degree of security when using the card;
  • Territory of use - local, virtual, international;
  • The level of prestige” is a kind of card status (classic, electronic, gold, platinum, etc.). The set of services and bonuses available to the client, as well as card tariffs, depend on it;
  • Interest accrual on the balance - a very attractive service offered by banks. Every day, a certain percentage will be charged on the balance of the account;
  • Bonus and affiliate programs allow you to receive discounts in stores with which an agreement has been concluded with the bank. One of the most popular varieties are "mile" programs from airlines - accrued miles can be exchanged for tickets;
  • Cashback is the return of part of the cost of purchases to the card. Unlike bonuses, the return occurs in the form of cash that can be spent for any purpose;
  • Commissions - the cost of registration, maintenance, interest on cash withdrawals and transfers between accounts, etc. - directly depend on the tariffs of the bank and the level of the card.

Read also:

Gift of property to a close relative. Update on the deal for 2018

We have given only a part of the parameters by which cards can be distinguished from each other - each bank seeks to make its own improvements, to endow plastic with "individuality" in order to stand out among competitors.

What is a Sberbank debit card and what are its advantages

It is worth noting that Sberbank has in its lineup almost all products popular with customers, so it is not difficult to choose a card according to your needs.

A Sberbank debit card has a number of advantages over offers from other banks:

  • A high degree of security for cards and cashless payments - in addition to standard security measures, plastic is equipped with a special chip;
  • A huge network of branches and ATMs throughout the country - in almost every locality you can withdraw money from a Sberbank card without commissions;
  • Many options for replenishing the card;
  • One of the best personal accounts, the Sberbank Online system, allows you to widely use non-cash payment methods;
  • Cards can also be used abroad, while making them multicurrency;
  • Any plastic can be issued without leaving home - when the card is ready, you will pick it up at the nearest branch;
  • Each type of card of your choice can be made payroll.

Thus, Sberbank cards have many advantages. It is not surprising that many Russians of different ages, social and financial status prefer them.

How to use a debit card

Using a debit card does not contain any difficulties; even a person ignorant of modern technologies can understand its principles. Essentially, with a map, you can:

  • To cash out money at ATMs - this will require the card itself and a PIN code, which is generated when it is issued. Also, at an ATM, you can pay for mobile communications, other services, and find out the balance of funds. Accepting ATMs also make it possible to replenish the card account without commissions;
  • Pay with a card at a cash desk equipped with a POS terminal. This service is provided by shops, salons, service companies, etc. You will need a PIN code and a signature on the check.
  • Pay for goods and services using a mobile POS terminal - now such an opportunity is provided, for example, by many taxi services.
  • Pay for goods via the Internet - this will require card details and a secret code indicated on its back;
  • Use the online account and transfer money between accounts, pay utility bills, loans, etc. In this case, the debit card itself is not needed - it is enough to know the login and password for the account.

Mastering each of these operations is not difficult - even more so. Consultants in Sberbank branches are always ready to help with making payments.

Read also:

Loan insurance against default in an MFI - what is it and why is it useful

Types of debit cards of Sberbank

Let's move on to the main question - what kind of debit cards are there in Sberbank and how do they differ from each other. All the "plastic" of this bank can be divided into several categories:

  • "Classic cards" without additional options, with low commissions and convenient conditions. The cost of maintenance is 900 rubles in the first year and 600 in subsequent years, a contactless payment system is available.
  • Custom design cards are classic cards that can be printed with any image on the front side. The cost of the design is 500 rubles one-time, and the maintenance of the card itself is 750 rubles a year.
  • High-class "gold" cards offer an extended package of services compared to classic ones. The cost of maintenance is 3000 rubles per year;
  • Instant issuance cards are the most popular "plastic" from Sberbank. In just 10 minutes you can get a card and start using it right away. There is no charge for the issuance and maintenance of such a card.
  • "Card with big bonuses" - plastic issued as part of affiliate programs. Its main feature is that when paying with a card, from 0.5% to 10% of the amount is returned to the account with bonuses that can be spent on the next purchase. However, the cost of maintenance is rather high - 4900 rubles per year.

To recoup card service with bonuses, you will have to spend at least 30 thousand rubles on purchases every month, and paying exclusively by bank transfer through the terminal.

  • "Mile" cards of Sberbank "Aeroflot" of the Classic, Gold and Premium levels allow you to accumulate miles for paying with a card, and then exchange them for Aeroflot tickets. The number of miles depends on the level of the card (one, one and a half and two miles for every 60 rubles spent, respectively), while the cost of maintaining the card is different - 900, 3500 and 12000 rubles per year.
  • If you want to donate some of your money to charity, then Give Life cards are the best choice. A small percentage (0.3%) of your purchases will go to help sick children. In addition, Sberbank will also give the funds half of the service fee you paid. The fee for such a card will be, depending on the prestige, 1000 or 15 thousand rubles a year.
  • The "pension" card was created specifically for those who receive social payments and benefits. The card does not differ from the classic ones in terms of the set of functions, but at the same time, the fee for its maintenance and issuance is not charged. An income of 3.5% per annum is accrued on the balance of funds on the card.
  • "Youth" card is issued to boys and girls aged 14 to 25 years. The maintenance fee is minimal - 60 rubles per year, while an extended set of options and bonuses is provided;
  • A virtual card is needed for secure online payments. It does not have a physical medium, it is tied to an account and electronic wallets. The cost of maintenance is only 60 rubles per year.

For most modern people, plastic cards have replaced traditional wallets. There are several types of cards, each of which has its own characteristics and gives different opportunities to the holder. For example, a Sberbank debit card may differ in the payment system, service fee, and additional options.

What is a debit card

Most Russians already own plastic that allows them to store their own money, pay for purchases in stores and send transfers. Such cards are called debit cards. The owner of the plastic can only manage the amount that does not exceed the balance of the client's own funds. What does a debit card mean - no line of credit.

However, the holder may go into minus for technical reasons:

  • writing off money for maintenance or connected services;
  • conversion;
  • withdrawal of funds from ATMs of a third-party bank.

How to get a Sberbank debit card? You need to come with a passport to the branch of a financial institution, choose the appropriate option and fill out the appropriate application. Currently, all citizens of the Russian Federation over the age of 18, and sometimes 14, can receive a personal card. Plastic can be used to earn wages, scholarships, allowances or pensions. Most shops, spas, restaurants, gas stations support payment through the terminal.

Sberbank cards - types

This financial institution is the largest in the Russian Federation and offers the largest selection of cards to its customers. In Sberbank, you can order multicurrency, overdraft, youth, social and other types. Clients of Sberbank of Russia PJSC believe that the best debit cards can only be purchased at branches of this financial institution. For individuals, there is a huge selection of products and a variety of services.

When thinking about which debit card to choose, it is worth considering the purpose of ordering the product, the financial situation of the client, opportunities, lifestyle, and other factors. The choice of cards is large, but they are all made on the basis of one of the two international payment systems. Maestro - plastic, which is valid only on the territory of the Russian Federation. "Visa" and "Master Card" differ only in the bonus program, territorial prevalence and commission for converting into American or European currency.

Youth

This financial institution is currently the only one where you can get personalized plastic from the age of 14. The Sberbank youth debit card is designed for Russians aged 14 to 25. It is distinguished from the classical one by a low maintenance cost - only 150 rubles a year. There are no fees for withdrawing cash from an ATM. In addition to favorable conditions, it is worth noting that the product is designed taking into account the needs of young people, therefore it is suitable for receiving scholarships, salaries, transfers, paying for purchases in stores and on the Internet.

Visa Classic

The release of this plastic gives advantages to the owner - you can use the savings card under the same conditions both in Russia and abroad. A daily limit of 150,000 rubles has been set for cash withdrawals from the account. The operation is free of charge. Sberbank Visa Classic card can be salary, corporate or personal. When cashing out at third-party ATMs, a percentage + commission is provided. The cost of annual maintenance is 750 rubles. The client can connect Sberbank online, bonuses "", receive gifts from the payment system.

Advantages of the Visa Classic debit card:

  1. Helps save money on trips, at home, at work. On the account you can receive a salary, scholarship, place other personal funds.
  2. You can pay with plastic for purchases with dollar, ruble and any other prices around the world (the bank automatically converts funds, which helps the holder save a lot).
  3. The card account is multicurrency, so you can withdraw money on the territory of all countries in any currency.
  4. It is possible to issue additional debit bank cards.
  5. For some clients, the bank offers to open an overdraft facility (a profitable credit line, thanks to which the plastic holder can go negative for a certain amount).

Instant

As a rule, issuing Sberbank cards takes time. How long you have to wait depends on the product being produced. If plastic is needed urgently, then you can get a Momentum card, which is issued on the day of application. Sberbank instant card is not personal. You can get Maestro Momentum immediately after the conclusion of the contract for banking services.

Plastic differs from others in that it operates only on the territory of the Russian Federation. Customers will not be able to use their money abroad. However, a debit card is issued absolutely free of charge and the bank does not charge a commission for annual service. Plastic is suitable for paying for purchases via the Internet, in stores, sending transfers and many other operations.

Nominal

In the presented financial institution, various types of cards are available to Russians. Depending on the purpose of the product, the tariff, the time of issuance, the card can be registered and not named. In the first case, the name and surname of the owner are applied to the plastic, and in the second, there is no information about the holder on the card. A Sberbank personalized card is distinguished by a high degree of electronic protection of client funds and increased limits on account transactions. In addition, plastic with the owner's data is issued in 10-14 business days (unnamed is issued instantly).

How to apply for a Sberbank debit card - you need to apply in person at a branch or online. Such plastic can be a Visa or Mastercard payment system to choose from. After activating and connecting a mobile bank, all clients can manage their accounts through the Sberbank Online service. The cost of service depends on the type of card and the service package connected to the client.

Mastercard

Some customers of Sberbank of Russia PJSC do not understand the difference between Mastercard and Visa cards. They differ only in payment systems and promotions in which the owner of the plastic can take part. In addition, a Mastercard debit card can only be issued through a bank branch (online applications are accepted exclusively for a Visa). The advantage of the product is the absence of conversion fees for foreign exchange transactions.

Golden

The Gold Card opens up great opportunities for the owner. Credit cards are provided only to those who managed to earn a good reputation, and a debit card can be used as a salary or personal one. The account is opened in currency or ruble, at the request of the client. The plastic is equipped with an electronic chip and a contactless payment system. The Sberbank Gold Card is suitable for settlements and cash withdrawals in all countries of the world. All holders receive support in the contact center around the clock. Reissue of a debit card in case of loss is free of charge.

Gift

Another option for debit cards of this financial institution is a prepaid card. Plastic is produced on the basis of the international payment system Visa. A significant drawback of the product is the inability to withdraw money from the account or replenish the card. In addition, it is worth noting that the card cannot be used to pay for goods in foreign online stores and when traveling outside the Russian Federation. A gift card is issued from Sberbank with a face value of 1-15 thousand rubles. Plastic is valid for no more than 12 months from the date of issue.

How to get a Sberbank card

Order online

Modern people cannot do without the Internet, so many services and options are available to Russians online. For example, how to apply for a Sberbank card via the Internet:

  1. Go to the official website of the institution.
  2. Choose the appropriate option among the offered products.
  3. Fill out the electronic application form.
  4. Waiting for SMS messages about the readiness of the debit card.
  5. Received at the department.

How much is a Sberbank card

It is important for everyone who ordered a debit card to know when the plastic will be released. The production time for a Sberbank card depends on the type of product ordered. For example, Maestro Momentum is issued to the owner on the day of application, and classic name cards are made in 1-2 weeks. You will have to wait the longest for plastic with an individual design - 2-4 weeks.

Activation

After receiving a debit card, the client cannot immediately use it, first you need to activate the plastic. Automatic activation of the Sberbank card occurs the next day after issuing it to its owner. To use the tool on the day of receipt, you need to activate it at an ATM. To do this, enter a pin code and request a balance.

How much does it cost to service a Sberbank card

Another issue that worries all debit card holders is the annual account maintenance fee. The rate depends on the selected product. The cost of servicing Sberbank cards:

  • Momentum, Maestro social - free;
  • Maestro, Visa Electron - 300 rubles;
  • Youth - 150 rubles;
  • Visa Classic / MasterCard Standard - 750, then 450 rubles;
  • "Give life" - 1000, then 450 rubles;
  • Aeroflot - 900, then 600 rubles;
  • MasterCard / Visa Gold - 3000 rubles.

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