Momentum card transfers. Sberbank instant card: what is it. Limits and restrictions

At the beginning of 2018, credit institutions are fighting a fierce battle for each potential client. After all, we all understand that if we bring our savings to the bank, then not only the bank will profit from this, but also you and I. But this is where the catch arises. After all, if we give our money to the bank, then we will not be able to use our money when exactly we need it. For this, bank plastic cards were invented. Thanks to which we do not need to have cash. All the savings that we were able to collect during our life are now with us all the time and it is very difficult to lose them. Therefore, today we will tell you about one of the best, for an ordinary person, an unnamed bank card from Sberbank Momentum.

Basic information on an instant unnamed card from Sberbank that you need to know:

What is an unnamed instant card from Sberbank today?

This is not an ordinary plastic debit card from Sberbank PJSC. With its help, you can forget about the need to always have cash to make purchases in stores. Such payment systems as Visa and MasterCard are now helping to collect this. Also, with the help of instant messages, you can always use the online Sberbank service to pay for various services such as a traffic police fine, the Internet or for. The peculiarity of this card is that it is completely free and is issued on the same day you need the card.

As of January 2018, no momentum credit cards are issued from Sberbank.

Who can get an instant card from Sberbank?

Become the owner of an unnamed Momentum today any citizen can Russian Federation whose age has reached fourteen years. That is, of all required documents you only need a passport to receive the card.

The term of production and receipt of this card is also its most important advantage. You will receive an unnamed card instantly. After you come to Sberbank and conclude a banking service agreement with this credit organization, they will immediately give you your card. From now on you can use it with full functionality.

Do not forget to ask a Sberbank employee to give you a user ID for the Sberbank online system. This will not only expand the possibilities of using the card, but also save you a huge amount of time in your daily activities.

What are the advantages of the Sberbank momentum card?

We have compiled the latest information on the merits of the instant unnamed card as of January 2018. Of course, there are not so many of them compared to other cards. But you can be sure that such a limited number of advantages of this card is more than offset by its service cost. She is, of course, the undisputed leader in saving your money for such a service. credit institutionlike cashless payments.

• there is no payment for the annual maintenance of the card or its re-issue; the only card in Russia
• issued on the day of application;
• no commission for cash withdrawal and replenishment; within limits
• can be used for online shopping;
• there is no commission payment for transferring to another Sberbank card;
• you can transfer money to another card by SMS to number 900.

The pluses are clear. What are the disadvantages of the Momentum card?

With the cons, it's not so simple. Sberbank is constantly improving its products, so the disadvantages remain small limits on transactionsthat you do with the unnamed momentum card. And you will need to resolve emerging issues only in the department where you received your card. Although it can be called a minus with a stretch. Because even if you assume a situation in which you need to contact a credit institution, it will most likely be a re-issue. Therefore, we will give you a life hack how not to go to Sberbank to change your card. Read about it at the end of this article.

With an instant unnamed Momentum card from Sberbank since 2018, you can make payments and purchases abroad. This became possible thanks to the chip on the card. If your card has such a chip, don't worry and take it abroad.

Are there any limits on transactions with an instant card in 2018?

Certainly. Let's say even more, each card in any bank has limits on operations performed. Let's take a closer look at them.

How much money can I withdraw from an ATM or at the cash desk of Sberbank from a Momentum card?

To date, the maximum limit is 50,000 rubles both in Sberbank itself and in other banks. Therefore, if you are planning a large purchase from fifty thousand rubles, and the seller only accepts cash, then plan your purchase in advance.

In order to bypass the limit on cash withdrawals from a momentum card, you just need to transfer an amount that exceeds the limit to some of your relatives or friends. The main thing is that they also have a Sberbank card. Thus, you will save on transfer fees and receive cash over the card limit.

And if Sberbank is not nearby? How much money can I withdraw through the cashier of another bank?

If you are traveling or just far from the nearest branch, good news for you. There are no limits on cash withdrawals using a Momentum card at the cash desk of another bank... Just do not forget about the additional commission for cash withdrawals through another bank.

If you want to withdraw cash from Sberbank while in another city, remember that there will also be an additional fee there, as if you are using another bank.

I became the owner of the Momentum R card from Sberbank. What can I do with it?

Today, the applications of this card are practically limitless. Here are the main directions of its use:

• Cash withdrawal and replenishment money;
• Payment for purchases in stores;
• Online shopping;
• Using additional services of Sberbank. These include the "Piggy bank from Sberbank" service;
• Collect "Thank you from Sberbank" bonuses and pay with them in partner stores;
• Purchase precious metals through mobile app;
• Pay state duty and taxes through Sberbank Online on a computer without leaving home;
• Send money transfers no commission via SMS to number 900.

This is just a small list of operations that are available to you if you have an unnamed Momentum card from Sberbank. You can suggest your options for using it. Many readers and we will be grateful to you for this.

What are the rates of Sberbank on the Momentum card?

Do not forget that Sberbank is a credit institution, and therefore it earns on its services, which it provides to its clients. Momentum karat is no exception.

So, if you simply withdraw money from your momentum card through an ATM in your city within the limits, then you do not need to spend extra money. If you want to withdraw funds in excess of the limit, then say goodbye to 0.5 of the amount that exceeds the limit of 50,000. If the bank turned out to be different, then give 1% but not less than one hundred and fifty rubles of the amount, regardless of the limits.

Sberbank ATM debited money from me when I was withdrawing cash within the limits. Why?

You are most likely far from home. Sberbank branches that do not belong to your region will charge an additional commission of 0.75%, regardless of whether you have exceeded the limit or not.

What if I want to transfer money to another card? How much will I have to pay for this?

If the card is so de issued with Sberbank, then there will be no additional fees. In other cases, both when transferring to a card of another bank, and when withdrawing cash, you will have to spend an additional 1% of the transfer amount.

What else can I be charged with a commission when using a momentum card?

Additional fees for transactions may arise without the participation of Sberbank. For example, if you request the balance of the account at an ATM of another bank, then you will have to pay 15 rubles for this. You can find out more about "hidden payments" in the picture below or in Sberbank itself.

Can I watch a video about the momentum card from Sberbank?

We made a small video about this unnamed debit card... Happy viewing.

It is very difficult to imagine now a person who does not have a payment or credit card, in comparison with what it was 10 years ago. Russians actively use the possibilities of non-cash payment for goods in retail and via the Internet, accumulate funds in an account, and make online payments for utilities.

For all this, a bank card is used, a universal payment instrument. Most of them come with a paid annual service, but there is an exception to the rule. We will talk about such an exception - free plastic Visa and MasterCard Momentum from Sberbank in this review.

What is it: an overview of banking products Visa and Mastercard

Momentum is a designation for the category of Sberbank cards of instant issuance, which can be used as the main payment instrument, or a temporary measure for accessing an account while a personal debit is made for a client.

Plastic in this category does not contain the owner's name, is more often used to pay for goods and services in retail chains, since not all sites allow you to pay from an unprotected card.

The main disadvantage of instant messengers is the low degree of protection from unauthorized access to the account. Therefore, in mandatory it is worth connecting to the SMS notification service in order to be able to fully control expense transactions.

Visa Classic Momentum and MasterCard Standard Momentum are entry-level bank cards.

The bank issues two types of instant snapshots: debit and credit. Account currencies are Russian ruble, euro and dollar. Opening such plastic will be convenient for those who are going to travel abroad in the next few days and do not want to carry cash with them.

The exchange rate within the bank when making payments abroad is more profitable than using exchangers, and the ability to issue plastic within 10 minutes makes it more accessible compared to classic name cards.

NOTE! Issuance and service of instant messages are free.

About the pros and cons of a free debit card

Russians over 14 years old can open a Momentum Sberbank card. The account can be either ruble (such cards are issued with an R in the name) or multicurrency (rubles, dollars, euros).

Momentum card annual service and issue free, but you will have to pay for connecting additional services at the rates of Sberbank.

Entry level debit is suitable for accessing funds deposited on bank account, replenishment and withdrawal of cash, payment for goods at retail points of sale and on the Internet. Abroad, you can also withdraw money from it with automatic conversion in national currency using ATMs.

Does not support contactless payment technology, cannot be issued as a payroll.

You can also connect the Auto Payment services to Momentum debit, Mobile bank"," Sberbank Online ", and enjoy bonuses from payment systems.

The "instant" operates for 3 years from the date of its release.

Advantages: the ability to use all over the world, registration from the age of 14, no user fees, bonuses from Visa and MasterCard, free cash withdrawals from Sberbank and subsidiary banks, replenishment from a mobile phone account.

Disadvantages: restrictions on payments abroad (if there is no electronic chip), there is no contactless payment.

On the pages of our site you can also find out, and what is its difference from other bank cards!

Credit card and credit limit

Issued only if there is a personal offer from the bank for those who already use other products (pays by, keeps funds in the deposit, etc.). The loan is provided only in rubles.

The limit is calculated by Sberbank individually for each client, and can range from 10,000 to 120,000 rubles. The advantage of such a credit card is that its issuance is also carried out instantly - by contacting the bank on a personal offer, you can pick up the plastic within 15 minutes.

Momentum credit cards provide:

With the active and careful use of the Momentum credit card from Sberbank, the user can count on an increased spending limit and a decrease in interest.

Annual service for instant credit cards is also free.

The validity period of the Momentum card from Sberbank is the standard three years from the date of issue.

Benefits: adequate interest rate, the ability to use the card all over the world, grace period, protection of funds, does not require income statements, no service fees.

Disadvantages: the possibility of registration only on a personal offer, limitation on the credit limit, if the "instant" without a chip - making payments abroad is impossible.

Usage rates

Let's refer to the table that shows the cost of using Sberbank's Momentum products.

Terms of issue and required documents

For Momentum debit cards, the main requirements for signing a banking agreement and issuing a card are:

• availability of a passport and permanent registration on the territory of the Russian Federation;
• age over 14 years.

For a credit card, the list of requirements is slightly expanded... As already mentioned, a personal offer from the bank is required. You can find out about it when using the Sberbank Online system or when working with another card at an ATM.

You will see a button "Get a personal offer"by clicking which you can find out about the currently available credit limit. Print out a receipt and contact it at the indicated bank branch in order to pick up the card and sign a service agreement.

Credit cards are issued:

• persons from 25 to 65 years old;
• having a permanent source of income;
• having a personal offer (who are Sberbank's clients);
• permanently registered on the territory of the Russian Federation.

When applying, you need to have a receipt printed from an ATM about the availability of an offer from the bank and a passport.

How to issue and receive

However, this is not so inconvenient - there are branches literally in every quarter in all major cities.

ATTENTION! A situation may arise when unnamed cards in the selected department have run out and therefore they are temporarily not issued. Then you will have to contact another bank office.

For those who receive a credit card based on a personal offer, it is easier to navigate - in an SMS notification or on a receipt printed by an ATM, the desired office will be indicated where you need to go to sign a service agreement.

Momentum cards are not sent by mail - the bank completely abandoned this practice in order to exclude cases of plastic falling into the wrong hands.

To make a Momentum card and to conclude an agreement on a Momentum card from Sberbank you must have a passport with you... Immediately after signing, the card will be issued in an envelope along with a PIN-code, and it can be used after activation.

Activation

It is produced either directly upon receipt of plastic, or at the initiative of the bank within 2-48 hours from the moment of its issuance. If you do not want to wait for automatic activation, you must use the ATM at the branch. At the first operation using a PIN code plastic card Sberbank Momentum becomes active. In this moment you can immediately connect additional options: mobile bank, SMS notifications, having previously deposited funds to the account.

TIP: If you find it difficult to activate your debit on your own, contact a Sberbank consultant who will help you carry out this operation for help.

How to use

The card is ready for use immediately after activation. For credit cards, the limit set by the bank becomes available.

If you do not plan to use borrowed funds in the near future, do not worry, as interest will be charged after the first expenditure transaction using loan money.

You can use your Momentum card:

• to withdraw cash from the account;
• to transfer money to other clients of Sberbank through an ATM or payment terminal, as well as in your personal account;
• for non-cash payment for goods and services in retail stores;
• to pay for purchases on the Internet;
• to replenish electronic wallets;
• to pay for utilities.

All operations performed in retail stores, operations for withdrawing and replenishing funds through terminals and ATMs are confirmed with a PIN code. Payment for goods and services, transfers from the "Personal Account" is confirmed by an SMS code.

It is necessary to store the plastic separately from the PIN-code, and prevent damage to the magnetic stripe (otherwise the card will stop being read by devices and POS-terminals).

If you lose your card, you must immediately call Sberbank, block the old card and order the Momentum reissue.

Balance check

It is very easy to find out the account balance... You can use one of the available services:

• request a balance at an ATM on a check or on the screen (free);
• send an SMS to number 900 with the word Balance or "Balance" (if you have a Mobile Bank connected);
• call the bank's hotline (toll-free number 900 from mobile phones) and check the account online;
• connect SMS notifications, and after each spend receive reports on the status of your account (recommended);
• install the Sberbank Online mobile application for a smartphone or go to personal Area on the site.

The easiest way is to find out the balance by SMS. The answer will come within 10-60 seconds. If you are near a Sberbank ATM, just insert the card into the device, enter the PIN, and select the "Balance" item. It can be displayed or printed on a receipt.

As you can see, there is nothing complicated.

Read on our website

The Sberbank Momentum debit card is an entry-level banking product provided by Sberbank for instant payment of purchases and storage of personal financial resources... As additional benefits, each client can take advantage of the promotional offers of the bank's partners.

Features in use

The debit product is released with the support of two payment systems: Momentum and Mastercard Momentum... Depending on which type is used by the client, he gets access to discounts and great offers, which is very important for those who like online shopping at competitive prices.

Thanks to international payment systems, instant issue cards can be used all over the world, but only for non-cash payments. Personal money can be kept on an account in rubles, dollars or euros, but they can only be used within the territory of the Russian Federation, as well. Despite the fact that, into it.

Services with an unnamed card without commissions

Without additional costs Momentum can be used:

• for cash withdrawals at any Sberbank ATM
• make non-cash transactions both within the bank and to the accounts of other organizations
• and taxes
• take part in promotions provided by the partner
• using a mobile bank to analyze the current state of the account and the dynamics of replenishment and spending.

Advantages and disadvantages

To the benefits Sberbank instant cards include:

1. Free issuance of a debit product, as well as free service over a three-year period.
2. Instant registration at any branch of Sberbank in 10 minutes. Since there are about 19,000 offices throughout the country, each client can independently choose a point to which it is convenient to contact.
3. The introduction of the chip increases the level of safety of use. Since many clients prefer to keep their savings in non-cash form, the bank's technical specialists use the latest technical means to protect against fraud.
4. The ability to pay by bank transfer in online stores. Instant payment of taxes and utility services without additional fees and commissions.
5. Thanks to the use of the free offer Mobile Bank, control over personal finances is carried out at any time.
6. Free participation in the action Thank you. The bottom line is the accumulation of points from purchases, which can be used to pay at partner points or receive lucrative offers in the form of discounts.
7. Account replenishment does not imply any commission. The bank does not charge customers a percentage for replenishment when using a Sberbank ATM.

Despite the numerous advantages and benefits, the Momentum debit card of Sberbank has a number of disadvantages:

1. If the card is of an older generation and there is no chip in it, use is possible only within the Russian Federation. A more modern product, which is produced with an embedded chip, can already be exploited abroad.
2. There is no PayPass technology.
3. Cash out without additional fees is possible only at ATMs owned by Sberbank. That is, it is not possible to withdraw cash abroad.
4. There is a limit for withdrawing funds.
5. Some operations can only be performed in the region of receipt.
6. the card cannot be restored. It is only possible to issue a new one with different payment details.

Services for managing Momentum cards

The use of a Momentum debit card becomes available immediately upon receipt. No additional payment instrument is required. To make the first operations, you must first top up (where it is).

Sberbank Online

With the purchase, the user will be provided with his personal identifier and a temporary password to use the Sberbank Online service. After the first login, all data can be changed.

The program helps you track your own spending, find out the balance on your account, yourself. In addition, it can be used to make payments by bank transfer.

Mobile app

The function is available for Android, IOS, Windows. By downloading the application to your smartphone, you get round-the-clock access to your account, to set up auto payments and templates for payments, etc. Just bring your mobile device to the table without using a plastic card.

Mobile Bank

The service is connected through any Sberbank ATM through the "Connect mobile bank" option. Where is it proposed to choose the appropriate tariff. By sending SMS with the word REFERENCE for a short number 900, the client will receive full information about the capabilities of this service.

Through the Mobile Bank, instant services are available such as request for balance, notifications about account movements, transfers to other Sberbank clients, etc.

Replenishment and card payment methods

Using the card for transactions perhaps:

• smartphone that does not require additional PIN input and helps organize the payment process with just one touch.
• If you need to pay online via internet bank, you just need to enter the card number and located on the back. It is extremely important to remember that you should never enter a PIN code during the payment process.
• The card can be used in any store and establishment that accepts banking instruments types of Visa and Mastercard, including abroad. IN in this case the process is extremely simple: we insert the card into the terminal and enter the PIN code to access the account.

Is free

Enrollment of funds through a branch of another region

40% per annum

Payment for purchases in online stores

is free

Statement request via ATM (for the last 10 transactions)

Usage limits

Bonus program Thank you from Sberbank

By issuing a debit or credit card Momentun, every customer automatically becomes a member of the Thank You bonus program. With active use, payment or replenishment of the account, bonuses will be transferred to the additional account (only), which in the future will be used to pay for any purchases or withdraw cash in the equivalent of 1 point to 1 ruble.

Special attention should be paid to offers and promotions available from Visa and Mastercard partners.

Comparison with debit cards of other banks

The Momentum card is considered competitive even though other banks are also developing lucrative products. In order to analyze all the advantages, it is worth making a comparative characteristic with the debit products of other popular banking organizations.

The Sberbank Momentum debit card is a full-fledged banking product that can be used by a wide range of consumers, including young people. With a high level of security, each client can be calm about saving money and getting additional bonuses for active use.

Credit offer

The bank's proposal for an instant issue card with a credit limit can be found in the article.

Sberbank is rightfully considered the leader of the Russian market, and this is no coincidence. Largest in the country financial institution offers its clients a wide range of services - from the possibility of opening an organization account or natural person to online brokerage services. The bank issues a large number of different types means of payment.

Favorable benefits for private clients are provided by the Momentum debit card. It is very easy to get the card: it is an unnamed entry-level plastic. The product is fast in processing and fulfills all the basic functions of a debit card. At the same time, the proposal has a number of restrictions. Which ones? Consider in the article.

Momentum card benefits

The Momentum debit card from Sberbank has a number of undeniable advantages. The main one is the simplicity and speed of registration. Bank employees will issue plastic to the client immediately after signing the contract. To issue a card, it is enough to present only a passport, and the whole procedure will take no more than half an hour.

In addition, you will not have to pay for issuing this type of payment. Annual service will not be charged to the client. You can apply for a debit card not only in rubles, but also in foreign currency - in dollars or euros. At the same time, it will retain all its advantages, and the terms of use will remain unchanged.

There are two types of Momentum card: Visa, MasterCard. The product implements all the basic functions of payment systems.

Using the card, you can carry out all basic banking operations:

1. Transfer of money to other cards of Sberbank and other banks.
2. Making payments via the Internet or ATM.
3. Payment for services according to the details of the company.
4. Cashless payments in retail outlets.
5. Cash withdrawals from ATMs and bank branches.

The Momentum debit card from Sberbank allows you to control all operations carried out remotely: through your personal account on the website or using Mobile Bank... Using this type means of payment, you can carry out any transaction.

The most popular transactions for Momentum holders today are:

1. Payment for utility services.
2. Payment for mobile communications and services of Internet providers.
3. Online shopping.

All of the above types of payments can be easily made with the Momentum card via the Internet. The main thing is that there is a sufficient amount of funds on the account. The capabilities of the Sberbank Online system also provide for the creation of special templates for making regular payments to the details of the same recipient. This function is also available to Momentum cardholders and greatly facilitates the transfer of funds.

The card use agreement also provides for the possibility of connecting the account to the "Thank you" bonus program. In this case, special points are awarded to the participant of the bonus program for cashless payments in stores. The bonus amount can range from 1% to 30% of the amount of each purchase.

In the case when the product is purchased from program partners, the accrued amount of bonus points can be up to 20% of the purchase price. You can spend the accumulated points in stores that support the "Thank you" program from Sberbank. Moreover, you can pay with bonuses up to 99% of the cost of the goods. As you can see, the offer is more than attractive.

Disadvantages of the map

The unnamed Sberbank Momentum card is a basic banking product and has incomplete functionality. This means that there are a number of limitations in its use. Let's list them:

1. You cannot receive wages on such a card.
2. The Momentum debit account does not provide for linking multiple cards. In this case, the principle applies: one account - one card.
3. Some popular online marketplaces do not accept payments with unnamed cards. This is justified by the fact that such plastic has a lower degree of protection compared to other means of payment.
4. After the expiration of the card (3 years), it will not be possible to renew it. The holder will have to close the account and, if desired, re-issue the plastic of this format.
5. If the card is lost, its re-issue will be impossible. We'll have to block the card and close the account. The rest of the funds on it will have to be collected in cash at the cash desk of Sberbank. If necessary, of course, it will be possible to create a new Momentum card. The conditions for it will remain the same, but the account number will not be saved.
6. Relatively small limit for monthly and daily transactions. So, for example, you can withdraw no more than 50,000 rubles per day through an ATM.
7. Inability to cash out funds in subsidiary branches of Sberbank located abroad.
8. Some operations become impossible outside Russia.

As you can see, the Momentum card has many restrictions, but if they are insignificant for the consumer, then this banking product can be a convenient and effective means of payment.

Conditions and tariffs on the card

Like any banking product, Momentum has its own terms of use and tariffs for certain transactions. The owner of such plastic can cash out no more than 50,000 rubles per day. The monthly limit is set at 100,000 rubles. By bank transfer, transactions can be carried out per day for an amount not exceeding 100,000 rubles. Up to 10 million rubles can be credited to the card account per day.

The commissions for the issuance of funds for Momentum holders are as follows:

1. You can cash out the required amount without commission at a Sberbank ATM. But provided that the withdrawn funds do not exceed the established maximum. For overspending the limit, a commission of 0.5% of the amount issued will be charged.
2. A commission of 0.75% of the amount will be charged for carrying out the operation in another regional bank or in a subsidiary credit institution.
3. For cashing out in a third-party bank, you will have to pay 1% of the withdrawn amount, but not less than 150 rubles.
4. Money transfer between Sberbank cards is carried out without a commission, provided that the means of payment belong to one regional bank. Otherwise, a 1% commission will be charged.
5. Replenishment of the card account, as well as all other non-cash transactions are carried out without charging commission interest.

When opening an account in dollars or euros, the terms of use and commissions will remain the same as for a ruble account. All commissions and interest will be charged in accordance with the current exchange rate.

Some additional information services for Momentum holders may also be paid. For example, you will have to pay 15 rubles to receive a statement of the movement of funds on an account through an ATM. In this case, the information provided will only relate to the last ten transactions.

If the client needs a full report, the bank branch will provide it free of charge. If you cannot appear at the bank in person, then you will have to pay 150 rubles for sending the document by mail. For your information, the same statements can be obtained free of charge through online services: Sberbank Online or Mobile Bank.

SMS notification will be free for the first two months only. Further, the service fee will be charged - at least 30 rubles per month.

Conditions for issuing a card

For those who still do not understand how to get Sberbank's Momentum, we will answer that this is quite simple to do. Requirements for the applicant are minimal:

1. Age from 14 years.
2. Citizenship of the Russian Federation.
3. The presence of a permanent registration.
4. In some cases, temporary registration will be sufficient.

To become a cardholder, you need to come to the nearest bank branch and contact a specialist with a corresponding request. You will have to present your passport for registration. After filling out the application, the client is issued a UDBO agreement for signature and a sealed envelope is handed over, which contains the plastic itself and the pin code attached to it.

For many payment instruments, Sberbank has developed a program for remote registration and receipt of a payment instrument. The momentum cannot be obtained in this way. There is no online claim for this product. The card will be issued only after the applicant has personally applied to the bank branch.

By offering Momentum to its customers, Sberbank guarantees that the user will receive a modern and reliable means of payment. Despite a number of restrictions, the card allows you to easily and quickly pay for purchases, purchase various goods and services, withdraw cash, and, if necessary, even top up the balance.

The Momentum card is universal and is characterized by the availability of free annual service for account holders with Sberbank of the Russian Federation. You can issue a card in 15-20 minutes; it has a credit limit of up to 150 thousand rubles.

The Momentum card is universal and is characterized by the availability of free annual service for holders of Sberbank accounts. You can issue a card in 15-20 minutes, it has a credit limit of up to 150 thousand rubles, the loan rate is 25.9% per annum. Holders of Visa and MasterCard Momentum of Sberbank of Russia can use the optimal range of services and rely on the right amount of money whenever and wherever. You can get the card on the day you go to the bank, and you don't need to have anything with you except your passport. The Momentum card is the perfect solution for successful, business people looking to keep up with the times.

How to get a bank card of Sberbank Momentum

Receiving bank card Sberbank Momentum will not take long, you no longer need to wait 2 weeks. If approved by the bank, you will receive the card on the same day. The following requirements are put forward for Sberbank customers: compulsory citizenship of the Russian Federation, age from 21 and 65 years inclusive. An applicant for a card must be permanently registered in Russia, in the region where he expects to receive a card. A positive decision in favor of the client is made if his total work experience is at least a year, moreover, for the last 6 months he must work continuously in one place.

How to activate the card

After receiving the Sberbank Momentum card, you can start using it immediately. No separate activation is required. All that the cardholder needs is to put on its money, after which you can pay for services and buy goods at cashless payments... Immediately after receiving the card, request the balance at the ATM, print the check - the balance will be zero. At a Sberbank ATM, you can change the password automatically assigned to your card to the one that is most convenient for you. It's easy and doesn't take more than five minutes.

How to use the Sberbank Momentum card

It is very easy to use the Sberbank Momentum card. This process is no different from using other cards from similar banks. When making purchases, pay by card or, if necessary, withdraw cash from it. The available limit after each purchase will be reduced by exactly the amount specified in the check. Pay off the debt in any amount not less than the monthly limit set by the bank. After replenishment of the card, the limit will increase and will be ready for use again if necessary.

How to top up a card

You can replenish your Sberbank Momentum card account in any way convenient for its holder. This process is not much different from other banks. You can make a cashless transfer of funds from a card account opened in another bank. It is possible to transfer funds from card to card (if both cards are issued in the Sberbank of the Russian Federation). Transfers are also made from an ordinary Sberbank account. You can put funds on the card through a payment terminal or top up your balance in cash at an ATM. As you can see, there are many options - choose the one that suits you the most.

Sberbank Momentum card terms

It is worth saying that Sberbank issues an instant card Momentum for a very favorable terms... This card can compete with any personalized counterparts. The most important conditions: 100% free card issuance and the first year of service - this allows the owner to significantly save. You can set a certain credit limit, depending on the income level of the cardholder. There is an interest-free period within which you can use the bank's money without interest - depending on the amount under the limit, this period is up to 50 days. The Sberbank Momentum card has a fixed interest rate - 18,9%.

Withdrawal limit

Depending on the income of the cardholder, the bank sets its own withdrawal limit for him, which can vary from several tens to several hundred thousand rubles. Everything here is individual and the decision is made by the bank. To receive a card with credit limit bathtub removal, you must fill out a questionnaire, indicate your age (at least 21 years old and not older than 65 years old), permanent citizenship in the territory of the Russian Federation and registration in the region in which you order the card. It's that simple!

Validity

The validity period of the Sberbank Momentum card is indicated on the face of the card. From the date of issue, it is valid for 12 months, after which it must be replaced. To change this unnamed instant issue card for a new analogue, you do not need to re-fill the form and wait. As a rule, two weeks before the end of the term of use, you will receive an SMS from the Sberbank operator with a request to come to the bank and receive an already issued new card to replace the old one. Usually, by the time a client arrives, his new card has been kept at the bank's branch for at least a week.

Sberbank credit card Momentum

Having ordered and received a Momentum credit card, you can count on the "Thank you from Sberbank" bonus program, as well as discounts and special offers from two international payment systems: Visa and MasterCard. Thanks to the remote services "Mobile Bank" and "Sberbank Online", you will always be aware of the operations that are performed with the card, you can always get a report for the required period and see the balance of funds. Holders of this card can set up the "Auto Payment" function and pay with it for utilities, the Internet, television, cellular communication and other services. You can replenish the card either in cash through a terminal or an operator at the bank, or by non-cash methods, linking it to WebMoney or Yandex.Money e-wallets.

Check card balance

To get up-to-date information on all transactions performed over a certain period of time, to find out the amount of the balance on the Sberbank Momentum card, you need to choose one of the most convenient ways: to receive a monthly report on the card from Sberbank to your e-mail. You can activate the Mobile Bank service and receive SMS notifications to your phone. Apply to contact center Sberbank of the Russian Federation and find out there. Finally, you can register yourself in the Sberbank Online Internet bank and generate reports at your own discretion. In this case, you can select and group periods, view transactions performed on the card by day, week, month.

Card reissue

Having ordered and received a Sberbank Momentum card once, you do not need to worry about its validity period and further re-issue. All this will be done for you. After the expiration of the card validity period, you will receive a notification to your e-mail, mail or phone about the need to appear at the regional branch of the bank (to the one in which you originally issued the card) and pick up the already reissued analogue, which will also be valid for 12 months. The funds remaining on the account of the old card are automatically transferred to the new one.

How to close the map

The card itself does not need to be closed. The main thing is that there are no loan debts left on it. If, after the expiration of the validity period of the card, you find its content inappropriate, you just need to come to the branch of Sberbank in which you opened the account and close it, returning the card to the operator, having previously withdrawn all the remaining funds from it. That's all.