Reasons for demagnetization of a bank card. What to do if the Sberbank card is demagnetized. What to do with a damaged card

Unfortunately, despite all types of protection and strict standards for creating a bank card, it can fail. This usually happens due to improper storage of plastic, due to which the internal mechanisms fail. What to do if the Sberbank card is demagnetized?

Ways to use

To begin with, I would like to note that only the magnetic strip, which is located on the back of the plastic, can be demagnetized. But the information about the digital signature and card details is also contained in the chip. Many sites are very confused, chip failure with demagnetization of the tape itself.

1. According to statistics, only 5-10% of people rarely use magnetic tape. So if it really stops working, then just use RFID remote technology or a chip.
2. If the ATM does not read the card, then in this case there are several options. First, you are inserting the card incorrectly. Just look at the picture next to the ATM, it shows how to do it. The second - the chip inside is damaged. Many modern ATMs have remote authorization, just hold the card to the place with the wave icon and enter the PIN code.
3. Perhaps this ATM is broken and you just need to find another one.
4. Since people often confuse chip failure and tape demagnetization, if you insert a card as usual, but the terminal in the store does not accept it. Then just try to swipe and pay with the stripe.

Internet payment

If the card is really bad and not a single device accepts it, then the internal chip is completely broken and the card needs to be reissued. But you can shop online. To do this, there are all available details on the plastic: card number, expiration date, owner's name and a special CV code.

Reissue

If you are confused by the fact that the card does not work, and it is also impossible to withdraw cash, then you need to reissue it. To do this, it is better to visit any branch of Sberbank and write a corresponding application. Be sure to take your passport and plastic with you. For an unscheduled reissue, you will need to pay according to the tariff.

NOTE! After writing the application, the card will be blocked and you will not be able to buy anything from it on the Internet. But you can withdraw cash at the cash desk of a bank branch, for this you need only a passport.

Causes

Why does plastic demagnetize? I would like to reassure many, in 70% of citizens the magnetic tape loses its properties in the first month of use. But the internal chip works long enough, and to spoil it, you need to try.

A chip and a magnetic tape are different information carriers, and they are not interconnected in any way, so if the tape stops working, then you can pay in a different way. True, there can be several reasons for a complete breakdown:

1. If you wear plastic near the phone and places of magnetic radiation, the tape will fail.
2. With a strong impact. Also if you try to bend it.
3. Do not keep it in the back pocket of your trousers, as if you sit down, the chip inside may break.
4. Check things before washing for the presence of banking products.

Reading 6 min. Views 131 Published on 03/22/2019

Any Sberbank card has its own validity period. It is set on the basis of the expiration date of the card elements - a plastic base, an electronic chip and a magnetic tape. As a rule, the payment instrument can withstand the allotted 3-5 years without any complaints. What happens if, due to improper use or storage, a Sberbank card demagnetizes ahead of time? What should the plastic holder do in such a situation? Let's try to figure it out.

Why do you need a magnetic tape on bank plastic

On plastic cards, several elements of protection of the owner's data are usually used:

• embossing of the holder's name and card number;
• an electronic chip that stores information about the holder;
• a magnetic strip that encodes data about the owner of the card and the account attached to it.

These mechanisms appeared gradually, and were also gradually added to the plastic carrier. Why, with the introduction of a new security element, the old ones were not removed? It's simple - the replacement of cash terminals and ATMs that accepted old payment instruments was more expensive than their completion.

Today, the main element by which readers recognize bank cards is precisely the magnetic strip. Data is written to it and read by the terminals in the same way as on a computer hard disk. If the magnetic tape is damaged, the receiving device will not be able to recognize the card.

The main reasons for card degaussing

What can demagnetize a Sberbank card? The main reasons for the violation of the plastic storage regime are as follows.

Firstly, this is the interaction of the payment instrument with the emitters of magnetic waves(for example, the card has been lying in a pocket next to a cell phone for some time, or has been left on the microwave). Secondly, these are sharp temperature changes.- plastic left for a long time in the sun or worn in the winter in the outer pocket of outerwear can easily become demagnetized. Thirdly, this is the interaction with the magnetic surface In no case should you attach a card with a magnet to a refrigerator or a metal cabinet.

The readability of the card is affected not only by the demagnetization of the tape, but also by its mechanical damage. Creases, scratches, abrasions - all this will prevent the reader from recognizing information on a magnetic medium. That is why it is recommended to store cards in a cardholder in order to prevent them from coming into contact with small things in pockets that can scratch the surface. And, of course, you should not bend the plastic (for the same reason, it is not recommended to carry it in the back pocket of your trousers, where it will inevitably deform when sitting).

Is it possible to use a savings card with a demagnetized tape

So, the answer to the question of whether a Sberbank card can be demagnetized, as we found out, is positive. Damage to the card is quite simple. On the forums on the Internet, you can find a lot of different tips on how to restore the magnetic strip yourself. But, having decided to follow them, the cardholder acts at his own peril and risk.

First, the magnetic tape can be completely ruined. And, if, when reissuing a card, the examination shows that some destructive actions were carried out with it, a commission for the manufacture of new plastic will be withheld from the owner, and in some banks there will also be a fine.

Secondly, demagnetized plastic can be used, however, in a limited mode. It all depends on what the Sberbank client needs the card for. If he uses it for everyday purchases, he will have to order a reissue. But if the card is required only to access the Internet bank and purchases in online stores, it is quite possible to wait for its expiration date and make new plastic as planned.

When using ATMs

The magnetic strip on the card is necessary when carrying out operations with a card account at ATMs, self-service terminals and in pos-terminals at the cash desks of stores. These devices use magnetic tape data to identify the payment instrument. If the latter is damaged, the machine will not be able to recognize the card. Accordingly, the client will not be able to pay for the purchase at the checkout or withdraw money from the account.

When making online purchases

To pay in online stores or pay bills through web banking, a plastic carrier is not required. Only the card details are needed, which the cardholder enters manually during the transaction. Accordingly, in these situations, the demagnetized card will work without interruption.

The client will also have access to the web account on the Sberbank website and its mobile application, and SMS service. No physical media is required to use all of these tools. Therefore, the cardholder will be able to:

• pay invoices;
• replenish deposits or withdraw interest from them;
• repay loans;
• receive and send transfers.

If there is an urgent need for money on a damaged card, they can be withdrawn to any other payment plastic (for example, to the card of someone close to you), and then withdrawn from an ATM. You can also get cash at a bank branch. To do this, you will need to go there with a passport and a damaged card. The operator will check that the card belongs to the client, and will issue the required amount from her account.

Reissue of a demagnetized savings card

What to do if the Sberbank card is demagnetized, and it is needed in physical form? The answer is simple - we go to the bank and fill out an application for reissue. It is better to contact the same branch where the damaged card was ordered. You will need to have a passport and a broken plastic with you.

First of all, a bank employee will check the status of the card. If, as a result of a mini-examination, it is established that the payment instrument has failed due to poor quality or manufacturing flaws, a new carat will be made free of charge. If Sber employees determine that the client is to blame for the damage to the magnetic tape, they can write off the cost of manufacturing new plastic from him (the amount is determined by the tariff plan connected to the user).

Important! Making a new card usually takes 10-14 days. Old plastic is blocked for this period, that is, it will be impossible to use it in any way.

Important rules for using bank cards

To avoid unnecessary hassle with a bank card due to its failure, you should follow the basic rules for storing it:

• carry the card only in the holder or in a special compartment of the wallet;
• do not put plastic in pockets, especially in the back pocket of trousers, where it can easily be deformed;
• in the cold season, carry a payment instrument in a bag or in the inside pockets of clothing;
• avoid contact of plastic with objects emitting magnetic waves - cell phones, microwave ovens, etc.;
• do not spill caustic chemical liquids and sugary drinks on the card;
• monitor the integrity of the magnetic strip - the absence of scuffs, scratches and other physical damage on it.

And, of course, you should not try to bend the card, fold it, or deform it in any other way. Even a sudden drop from a height onto a hard surface can damage the media.

conclusions

Bank cards themselves are extremely rarely demagnetized. Usually, incorrect actions of their owners lead to damage - neglect of the rules of storage and operation. If the card is out of order, its account can be used in remote applications and when making online purchases. But at the checkout of a store or at an ATM, such a payment instrument will not work. If the card is needed for the most part for “real” use, you should contact the Sberbank branch to reissue it.

Perhaps, in our country there is no adult population left who would not have a bank card. Moreover, the vast majority use the services of Sberbank, and have credit or debit cards here. But the plastic media can fail and stop transmitting data to the reader. Unfortunately, users encounter this situation quite often. In this article, you will learn what to do if the Sberbank card is demagnetized.

Main reasons

This situation happens for a number of reasons. Here are some examples:

1. If you constantly carry a plastic rectangle with metal objects, then the reader module may become demagnetized. This is due to the fact that metal objects scratch plastic and leave microscopic damage on it.
2. Do not store plastic media near a mobile phone, microwave oven, computer, or other items that emit electromagnetic waves.
3. Banking plastic is afraid of temperature changes. Too high or low temperature stops the functioning of a plastic card as a means of payment. You should also avoid direct sunlight on the plastic carrier.

Sberbank card demagnetized, what to do

When plastic stops functioning, users wonder what to do in this case. The first tip for the user: you should not engage in amateur activities and take measures to rehabilitate plastic at home, otherwise the card will stop functioning altogether.

The easiest option is to contact the nearest bank branch and show the plastic rectangle to a specialist in a credit institution. Basically, bank employees know what to do with it, and for what reason it stopped working. If it is possible to save the card, then the employees of the credit organization take various measures to correct the malfunction, and they do it completely free of charge.

If the plastic can no longer be restored, then you will have to throw it away. Instead of a lost card, a Sberbank employee will offer to reissue it to a new one. Such a procedure will take some time, since the production of a plastic carrier takes up to two weeks. It is not possible to use a bank account all the time until a new plastic is issued.

Please note that you will have to pay a certain amount for the reissue, it is established by the contract. It is enough to find in the contract a clause on the reissue of plastic, not related to the expiration of the validity period.

How to reissue a card: step by step guide

What can demagnetize a Sberbank card? There are a lot of reasons, ranging from insufficient quality material that was used in the manufacture of plastic media, to mechanical damage, which is the fault of the user himself. In any case, if the card cannot be saved, it will need to be reissued. To do this, you must first block the card account, then contact the credit institution and write a corresponding application. You need to have your passport with you.

At the bank, the employee must accept a written application and a plastic carrier that needs to be replaced. After receiving the application, the specialist sets the date for receiving the card. By the way, bank employees notify the client that he is given a period of 2 weeks to make a card, in practice the plastic will be ready earlier. If the client is connected to the Mobile Banking service, he will receive an SMS message in which there will be a notification that the card is ready.

Is it possible to use demagnetized plastic

In practice, it will be quite difficult to implement this, because if the reader does not receive a signal, then it is impossible for him to receive payment data. However, there are two ways to use a broken card. In the first case, you can contact the bank and withdraw cash, but not through the self-service device, but through the cashier. To do this, you need to present your passport to a specialist and inform about your intention to receive cash from the account. To do this, you will need to sign a payment document and go to the cashier to receive funds.

Alternatively, you can connect plastic to your smartphone through offers, such as Samsung Pay or Apple Pay. If, according to the terms of service of the card, it is permissible to connect to the phone, then this opportunity can be used even if the card itself is demagnetized.

Please note that the same card can be used for payment in different ways. For example, if it has contactless payment technology, then it has a microchip; if contactless payment does not work, you can try to pay for the purchase through a microchip, insert the card into the terminal and enter the PIN code.

conclusions

Can a Sberbank card be demagnetized? Unfortunately, this can happen and there is no escape from this situation. The client must follow basic security measures and store plastic in a specially designated compartment of the wallet. But even in this case, various troubles can happen with the card, for example, if the client uses it too often, then it will fail before its validity period. It is almost impossible to repair a card on your own, so you should contact Sberbank and reissue the plastic.

Plastic cards have become an integral part of modern life. Among such products, banking, savings, discount are popular. The most popular are the cards of financial institutions. Their principle of operation, regardless of the type, is similar. And the problematic situations that may arise are also similar to each other. One of the questions asked is what to do if the Sberbank card is demagnetized.

Why can a bank card become demagnetized?

Demagnetization of a bank product can occur for various reasons, the most common are:

1. Being close to metal objects that are emitters of electrical waves. Therefore, when plastic is in the vicinity of such objects as a microwave, cell phone, computer for a long time, the user must be prepared for the fact that the card will not last for a long time.
2. Interaction of the map with the iron surface. Since metal is much stronger than plastic, this leads to microscopic scratches. Therefore, carrying credit cards next to keys, metal key rings is highly discouraged.
3. Demagnetize the card can high temperature acting on it. Direct sunlight that falls on the product produced by the bank leads not only to the demagnetization of the plastic card, but also to the termination of the functionality of the card.

What to do if the Sberbank card is demagnetized?

If a client is faced with a situation where the plastic of the bank has become demagnetized, the question arises, what to do? It is recommended to immediately contact the bank. In no case should you try to magnetize the card at home.

When the card falls into the hands of a bank employee, he immediately finds out the reason why the plastic has ceased to function. If the reason lies in the poor quality of the material from which the card is made, or if the technology turned out to be imperfect, it is possible to re-magnetize the plastic in the bank. If such a procedure is not possible, the same credit card is ordered a second time. This service is free.

Such conditions are the same for all types of plastic cards issued by the bank. But not all banking organizations have the advantages to perform such actions.

It depends on the prestige of the bank and the level of work of the institution. If a bank employee fails to magnetize the product, the user will need to write an application for reissuing a plastic card. In this case, the card and personal number will remain unchanged.

Each bank sets its own price for this kind of service. But it varies within two hundred rubles. The waiting period for receiving a repeated card takes up to ten days. If the client orders an instant card, he receives it in his hands on the day of the order.

How to reissue a bank card?

Reissuing a bank card is a standard procedure associated with replacing old plastic with a new one when the old one becomes faulty.

A similar procedure can be ordered if the following indicators occur:

1. The client's name has changed.
2. The plastic was stolen or lost.
3. In the case when a bank card, namely its data, fell into the hands of fraudsters.

How to use a non-working card?

It is impossible to use a non-working card to pay for various goods and services. But there is a way to get cash in hand. The instruction for withdrawing funds from non-working plastic is as follows:

• pay a visit to the branch of the bank, you must have a passport with you;
• contact the operator, who will check the attachment of the product to this particular user, issue a receipt;
• go to the cash desk of the bank to receive money;
• take money.

Such a transaction takes place only during the opening hours of the banking institution.

How often are bank cards demagnetized?

January 2019

As a rule, a modern person has a lot of various plastic cards - discount, credit, debit and so on. Sometimes people are faced with demagnetization of bank cards, which makes plastic unusable. Why is this happening and what to do if the card is demagnetized?

Why is a bank card demagnetized?

To make non-cash payments using a card, it must have:

• electronic chip;
• barcode;
• magnetic strip.

Barcodes are now used less and less, because they poorly protect the account from possible theft. A more efficient way to store money is with a magnetic stripe on plastic. There are situations when this strip is damaged. Often this happens due to incorrect and careless operation of the card when it comes into contact with some solid objects or devices that emit magnetic waves.

Can a bank card be demagnetized from a phone?

The correct operation of the magnetic stripe and plastic card chip may be affected by the strong magnetic radiation produced by a conventional mobile phone. However, there was no mass failure of the cards due to the fact that there is a mobile phone next to it.

What else can demagnetize the card?

There are several main reasons why the card has become demagnetized:

1. Exposure to high temperature.
2. Plastic has been mechanically damaged by iron objects.
3. The card has been sitting next to household appliances for a long time.
4. It has expired.
5. It broke down.

High temperatures may come from heaters or direct sunlight, which will adversely affect the magnetic strip. The plastic may also be partially damaged.

Mechanical damage includes scratches and abrasions that damage the reading strip. This often happens when the card is in the pocket along with the keys. Microwave oven, computer and refrigerator are electrical appliances that can also have a negative effect on the plastic magnet due to static electricity.

Each card has a time limit for use. Its expiration date is printed on the front side of the plastic. When it approaches the end, the owner needs to contact the bank and order a reissue. Information from the card will no longer be read if the plastic is not changed in time. The average lifespan of a card is 3-5 years.

Breakage of the card can occur when it interacts with water, when the plastic inadvertently gets into the washing machine along with the trousers in the pocket of which it was located. The strip is demagnetized, and the card turns into a useless piece of plastic. After this, no ATM will be able to read information from it.

What should I do if the card stops working?

The demagnetized card must be blocked as soon as possible through the online service. You can also call the bank's hotline or come to a branch. In any case, you will have to visit the nearest bank, because if the card malfunctions, you need to write an application to restore it.

The procedure for "revitalizing" the plastic will be as follows:

• a damaged payment instrument is handed over by its owner to the bank along with a written application for reissue;
• production of a new plastic card is expected (usually a message is received on the phone that the card is ready and must be received at the office).

A bank card can become demagnetized for several reasons. Most often this is due to a careless attitude towards it, expressed in the fact that the owner stores the plastic in a place where it comes into contact with metal objects, is heated or interacts with water. The ideal place for the card is a wallet or a special case.

Whether the card can become demagnetized if it is often near a mobile phone is a very controversial issue. However, this is theoretically possible. After all, the mobile phone emits waves that can adversely affect the correct operation of the magnetic tape of the card.

If you have problems reading a card at an ATM, you need to contact the bank, tell the employee about it and ask for assistance in restoring the plastic. While the plastic is being reissued, its owner will have to carry out payment transactions exclusively through the cash desk of a financial institution. As a rule, the reissue process takes from 5 to 14 days.