Conditions for issuing an instant card Momentum Visa and Mastercard - pros and cons. Sberbank Momentum card - what is it?

The Sberbank Maestro Momentum card belongs to the category of the simplest types of plastic cards. It is unnamed (the user name is not indicated on it). Using the card provides great benefits for the client, but at the same time, it also has many limitations compared to other Sberbank cards.

You can receive a Maestro Momentum card from Sberbank only if you personally visit a bank branch. A characteristic feature of this card is that it is a non-registered card and is issued instantly. In the case of regular cards (classic, premium, gold), you must wait up to 14 days for receipt.
Often, this factor turns out to be decisive when choosing a card.

In order to receive a Maestro Momentum card, you must draw up and sign a banking service agreement.

This is why personal presence is necessary. However, you don’t have to worry about any special requirements. The only condition is that the future holder of this card must be at least 14 years old.

In general, the procedure looks like this:

1. The application is submitted to the bank branch.
2. A passport is presented.
3. UDBO concludes.
4. A card is issued.

Features of the Sberbank Maestro Momentum card

The card has the following parameters:

• an account can be opened in any currency (euros, dollars, rubles, etc.);
• The current validity period is 3 years;
• you can pay for services or purchases;
• if you connect to Sberbank Online or Mobile Bank, you can transfer funds, top up your account, pay for services and control your bank balance;
• for non-cash transfers from card to card, you can use an ATM or terminal;
• it is possible to set up periodic auto payments as payment for housing and communal services, replenishing a telephone account, paying credit debt, traffic police fines, etc.;
• the ability to connect to the “Thank You” program;
• you can use the available services from MasterCard.

As you can see, Momentum is as close as possible to cards of international significance.

Along with that, the Sberbank Maestro Momentum card is also characterized by specific conditions that do not exist in others:

• the process of issuing funds takes seconds;
• issuing a card does not require any payment;
• serviced free of charge.

Limitations of the Maestro Momentum card

The disadvantages include the inability to reissue the card.

If suddenly the card or PIN code is lost, it is impossible to restore it. Instead, you can issue a new card of any format. This also applies to changes in the customer’s personal data. That is, when the last name of the cardholder changes, it will not be possible to replace it. The current account will need to be closed and a new one will need to be opened.

The only case when this card can be reissued is when its validity period expires.

Withdrawing money from a Momentum card abroad

Due to the characteristics of cards of this type, there may be difficulties in withdrawing money and paying in stores abroad. More details - .

Card withdrawal limits

As for the restrictions on withdrawing funds, in this case they are the same as for all debit cards.

Limits are focused on certain actions:

• withdrawals from the account for one month should not exceed 100,000 rubles. Currency is also withdrawn using the same principle, taking into account the current exchange rate;
• withdrawal of money in one day cannot exceed 50,000 rubles;
• In one day, you cannot transfer, transfer or pay for a service in an amount of more than 100,000 rubles from the card.

When Mobile Banking is connected, fees are charged for certain types of transactions:

• to clarify information about the latest transactions performed on the card by obtaining an ATM statement, the card holder will have to pay 15 rubles;
• in order to receive a report on the status of the card every month through the post office, you need to pay 150 rubles;
• the report sent to your email address is free;
• It is not possible to obtain the necessary information through the services of other financial institutions.

Transfer from a non-named card

You can top up your Maestro Momentum debit card from Sberbank in different ways: through an ATM or bank cash desk, through a transfer from another account or bank, etc.

For transactions involving the withdrawal of funds, the following commissions are provided:

• through the bank cash desk - nothing is withdrawn;
• through the cash register, provided that the daily limit has been exceeded - 0.5%;
• through the involvement of another territorial bank - 0.75%;
• Operations are not carried out through other banks.

You can make transfers within Russia, but this card is practically of no use abroad.

It is possible to receive funds on the card. And transfers are available only in accordance with the templates offered by Sberbank Online, at an ATM or using bank details.

If you act through a bank branch, you will need to provide the card number and recipient details.

Transfer via Sberbank Online

We invite you to consider the details of using the online service:

1. The identifier and code are entered from the Sberbank Online Personal Account.
2. From the main menu header, select “Transfers and Payments”.
3. From the list, select a section: for a Sberbank client, between your cards, for an organization or for a person in another bank.
4. Enter bank data into the template: TIN, account number, BIC.
5. Click "Continue".
6. Enter additional name, amount, purpose.
7. Click "Continue".
8. Confirm your consent to the transfer using the code from the received SMS.
9. The operation will be carried out.

Sberbank's Maestro Momentum card is very simple to design and free to maintain, so its shortcomings seem very minor.

Providing debit credit cards is becoming increasingly popular. Even pensioners who became familiar with all the conveniences, benefits and advantages of non-cash payments began to use such services. Some clients are afraid of difficulties in obtaining such services that may arise with registration. For this purpose, banks are developing specialized offers that are issued instantly. One of them is the Sberbank Momentum card; we will explain what it is below.

Features of offers from the bank

Sberbank Momentum card

The Momentum card is divided into credit and debit. Sberbank provides a service for issuing them free of charge. Clients can use them to pay for services and goods, to deposit funds into an account and withdraw money from an ATM.

The credit card offers banking clients favorable credit conditions, it is similar to the offer from Maestro Momentum. It is a loan that the client receives on the condition of repayment and payment within the established limit.

The advantage of the offer is that it is issued on the day of application. Compared to standard products, the terms of the Momentum card from Sberbank have only a few restrictions - this makes the offer more popular and widespread.

Product advantages:

• fast issuance at the time of contacting the bank;
• no annual maintenance or issue fees;
• the ability to pay for purchases via the Internet and offline stores;
• free activation of Sberbank services for remote account management (in mobile banking or Sberbank online);
• the opportunity to use the “Thank you from Sberbank” program to accumulate gift points and purchase new purchases using them;
• no commissions for withdrawal and replenishment of funds;
• making transfers without commissions between Sberbank accounts.

The disadvantages of the proposal include:

• impossibility of use abroad;
• charging fees for withdrawals from other ATMs;
• low security compared to other similar offers;
• resolution of some issues only in the territorial bank;
• low limits on cash withdrawals.

Credit and debit cards

The user is issued a Sberbank Momentum debit card within a couple of minutes after filling out the appropriate application, which is issued by bank employees. The advantage is that to fill out the application you only need your passport. Immediately after this operation, the client receives an envelope with an account number and PIN code. A card will be linked to the account number, which is activated by a 4-digit code entered at the ATM. The main services of the product are payment for purchases in stores, cellular or landline communications at ATMs, housing and communal services and fines.

A credit card is also issued quickly. Interest rate - up to 20% And credit limit no more than 150 thousand rubles. Sberbank account holders are provided with free annual service. The main requirements for a potential borrower are: age 25-65 years, Russian citizenship, work experience of at least one year, provided that 6 months of which the citizen worked in one place.

Terms of use of the Sberbank Momentum card

Before receiving a Momentum card from Sberbank, you should read the terms and conditions of its use. After receiving a banking product, you can use it immediately; no separate activation is required. The owner must put funds on a debit card to pay for services or purchase products by bank transfer.

You will also be provided with a login (identifier) ​​and password to log into Sberbank Online. This is a program where you can track your finances, manage them and always be aware of your transactions.

As for using a credit card, after each purchase the available limit will be reduced by the amount written on the receipt. The debt can be repaid in any amount, which should not be less than the established limit. Once the card is topped up, the limit will increase and can be used again if necessary.

The process of replenishing an account is no different from using cards from other banks. You can top up your card account in one of several convenient ways:

• non-cash transfer of money from the account of another bank;
• transferring funds from one card to another;
• making transfers from a simple account at a Savings Bank;
• through a terminal or top up your balance at an ATM.

Competitive features of the credit card include:

• free maintenance for 12 months and issue;
• the ability to determine the credit limit depending on the amount of income of the card holder;
• the presence of an interest-free period during which you can use funds without commissions. This period depends on the amount of the limit; it can be 50 days.

Since April of this year (2016) Maestro cards Momentum Sberbank canceled, as an alternative, you can use free cards of Mastercard and Visa payment systems.

Product validity time

The expiration date of the product is indicated on the front side. Since its release validity period is one year, then replacement will be required. To change a non-name card to a new one, you do not have to fill out a form again.

14 days before its expiration date, a message is sent to your phone asking you to visit a bank branch and receive a ready-made card instead of the old one. A new card is produced approximately 7 days before the deadline.

Card service

So, servicing the Sberbank Momentum card includes the following nuances:

Additional opportunities for using the product include remote account regulation online: money transfers, participation in special promotions and discount programs, activation of the Autopayment service.

Instant cash cards are functional and suitable for daily use. Their main advantage is free maintenance and issue, convenience with a small financial turnover. If you need a more functional banking product that can be used abroad and carry out transactions with large amounts, it is better to take advantage of other offers from Sberbank.

It is suitable for those clients who need to quickly gain access to a minimum set of operations. This card is not suitable for using the capabilities of international payment services.

Important: To date, cards are issued Momentum R discontinued. Instead of this series, Sberbank issues unnamed Momentum cards with similar characteristics.

Features of unnamed Momentum cards

Today, Sberbank produces a whole series of cards that differ in payment systems (Visa, Mastercard, MIR), bonus programs (,), limits and other characteristics. The main advantages of Momentum series cards include free issuance and service, fast processing and a minimum set of documents. Most often, a non-personal card is issued by new clients of a banking institution and those who want to open an urgent account. Today Sberbank provides the opportunity to choose one of two instant issuance cards - or. Plastic cards are issued under the same conditions and differ only in payment systems, that is, discounts, special offers, promotions and other additional features.

For the plastic card of the Momentum series, bonus offers from Sberbank are also provided. Thus, cardholders of this series can receive points for each non-cash payment using the card. The number of points depends on, and can reach 20% of the amount spent. The accumulated points can be used to pay for the following services:

• Air tickets (according to the program);
• Events (According to the program);

The number of people accepting “Thank You” points is wide and is regularly updated with new partners. The full list of partners can be viewed on Sberbank.

Procedure for issuing non-named Momentum cards

Since cards in this series do not require long production, but are located directly in the bank branch, the receiving process will not take much time.

To receive an instant card, you must:

• visit a bank branch and contact an employee and provide your passport;
• sign with a credit institution to combine your accounts into one system and be able to control them using online banking.

The card issuance procedure takes a maximum of half an hour (usually 10-15 minutes), immediately after signing the UDBO. There are no commissions involved.

Distinctive features of the instant card

Among all the above advantages, instant cards have significant disadvantages. One of the main disadvantages of the card is the lack of a code and full name of the holder. Otherwise, Momentum is no different from more: on the front side there is a number, expiration date, institution sign, type of payment system, and on the back there is a security chip.

If we talk about the limitations of instant cards, then for many of us they are significant. The Sberbank Momentum card is almost never used outside the state; it is not always possible to pay for an online purchase with its help. Many companies are reluctant to accept entry-level cards because they do not guarantee secure payments.

However, despite such obvious shortcomings, Momentum series cards are in demand because they have a standard set of functions:

• allow you to withdraw funds from your card account using ATMs or operating cash desks of Sberbank branches;
• pay in a retail network;
• pay for online purchases (if such an opportunity is available on the company’s website);
• transfer money to any accounts using the institution’s cash desks, ATMs or online self-service services (, Personal Account);
• control and manage the combined card accounts after connecting or registering with .

Limits and commissions on the Momentum card

The Momentum instant card from Sberbank has restrictions on cash withdrawals. Within 30 days, the client can cash out an amount not exceeding 100,000 rubles, and within 1 day - no more than 50,000 rubles without charging a commission.

Cash withdrawal fees at ATMs:

• Sberbank where the card account was opened: no commission;
• another regional bank: 0.75% of the amount;

Fee for cashing out from a card account:

• within the daily limit at a Sberbank branch: no commission;
• exceeding the daily limit at a Sberbank branch: 0.5% of the amount exceeding the limit;
• another regional bank within the daily limit: 0.75% of the amount;
• another territorial bank exceeding the daily limit: 0.75% of the amount exceeding the limit;
• subsidiary banks: 0.75% of the amount;
• other banks: 1% of the amount, but not less than 150 rubles.

Sberbank also provides for payment. Thus, the maximum allowable amount of payment per day is 100,000 rubles.

Methods for obtaining account information on a non-named card

The movement of funds and Momentum can be found out as follows:

1. through ATMs of Sberbank or any other financial institution;
2. in your Personal Account. After authorization in the self-service system, you should select the desired card and view all the information on the account;
3. using Mobile Banking. You should send a message with the text BALANCE or REMAINDER(English spelling of words or transcription is allowed) or numbers 01;
4. by calling . In this case, you can use the automatic notification service by pressing number 2 or contact a hotline consultant using number 0;
5. visit the branch and find out the balance using the card account number from an employee.

The entry-level card also allows you to create templates for services. By configuring the settings once, you can forget about late payments. The system will independently pay for the services within the period specified by the user. If you need to pay bills that change every month, for example, for gas, heat, electricity, the system will first receive information about the debt and then notify you via SMS. And if no other instructions are received within 24 hours, the payment will be processed. Templates may change at any time or . To do this, you need to log in to Internet banking and make the appropriate settings. A non-registered Sberbank card is the best solution for daily payments.

Sberbank instant issuance cards are simple and non-personal entry-level cards. In this regard, they have a minimum amount of opportunities. The most important advantage that the Momentum card (Sberbank) has is the ability to register and receive it ready in no more than 15 minutes at any branch. Such cards belong to the Visa Electron or Maestro payment system. The currency can be any. But if a credit card is issued in dollars or euros, then this is only possible if the owner receives a loan in the corresponding currency. Instant payment means can be used not only in your own country, but also abroad.

How can I get an instant card?

The Momentum card (Sberbank) has a fairly simple design. To do this, you just need to go to a bank branch, fill out an application for banking services and receive an international card. The employee will then provide you with a card, for which you will need to come up with a secret code. This operation is carried out through the use of an ATM. You can also obtain login information for Sberbank Online and activate SMS notifications on site. After all services have been completed, appropriate messages will be sent to your phone.

Sberbank Momentum card: how to use

This type of card in its application is practically no different from other similar banking products. You can deposit money on it and withdraw it from any ATM. You can also pay by card in stores. The Momentum credit card (Sberbank) allows you to use borrowed funds from the bank. Customer reviews for this banking product are more positive than negative, so it’s really worth using. When paying for purchases in stores, you must enter a PIN code. As for the system card, you just need to sign on the check. Among other things, instant cards can be used via the Internet and Mobile Banking, that is, you can make payments online and by sending requests from your phone.

Credit card "Momentum" Sberbank - conditions

Such cards are provided to customers at any bank branch. The citizen must be at least 21 years old. You must present your passport. You don’t have to worry about coming to the branch and not receiving a card, since they are always in stock. Like any other credit card, this one has a validity period of 50 days. The interest rate is 18.9%. When withdrawing cash, the client is charged a commission in the amount of that interest, but not less than 400 rubles. When conducting transactions at ATMs of other banks, it is four percent. In addition, other banks that are subsidiaries may charge their own percentage for providing cash.

How to activate?

How is the Momentum card activated? Sberbank describes the conditions for using credit cards in detail, and you should study them carefully. Then you need to open the sealed envelope, which contains the card itself and the PIN code. If you don't know the secret code, you won't be able to receive funds or pay for something in the store. Also, you should not trust it and the card to third parties or simply tell anyone your secret data.

Now you should carefully examine the card itself. Make sure that everything is indicated correctly, its number is clearly visible and the logo of the payment system is displayed.

To verify for yourself that it works, you can insert it into an ATM and, for example, check your balance.

Applying for an instant card online

Unfortunately, when answering the question of how to get a Sberbank Momentum card, it cannot be said that its registration is possible via the Internet. Today you no longer need to specifically submit an application and wait for the bank to approve it. You just need to contact any branch, and the card will be in your hands within 15 minutes. Among other things, you can register a card in the “Thank you from Sberbank” bonus program, make money transfers, pay for purchases directly in the store or via the Internet, manage your funds remotely, receive discounts, enable auto payments, and so on.

Is it safe to use the card?

The Momentum card (Sberbank) has reliable protection. As a rule, the reasons why fraudsters gain access to an account are simple facts of neglect of the rules on the part of the clients themselves. First of all, you should not keep your card and PIN nearby. When you receive an envelope with a card inside, the best thing to do is just remember the PIN and get rid of the envelope. When making payments, you should not allow sellers to take your card out of your sight. If you receive an email or SMS message asking you to provide your PIN code, then know that it is strictly forbidden to do this! Bank representatives do not need a PIN code to carry out transactions with your permission or simply to clarify information. Try to avoid ATMs in crowded public places, as they are often tampered with, allowing criminals to obtain your card details.

How to top up the card?

So, how is the Momentum card (Sberbank) replenished? The instructions are quite simple. There are several methods for performing the operation.

1. You can deposit cash through a bank cash desk. To do this, just provide your passport, card number (if you have one) or account number. Next, you need to name the transfer amount, check the correctness of the details - and that’s it, after a while the funds will be credited to your account.

2. Via the terminal. This method is the simplest of all with which the Momentum card (Sberbank) is replenished. Customer reviews speak for themselves. There is nothing complicated here. All you need to do is insert your card into the ATM, enter your PIN code and deposit the required amount. Funds will be credited to your account instantly.

3. At the cash desk of someone else's bank. But when making such a transfer, you should remember that you will be subject to a commission charged by the bank. In addition, the money can take more than one day. And basically it takes a very long time, whereas the debt should be paid off quickly.

4. From an electronic wallet. The WebMoney and Yandex.Money systems also allow you to make transfers to cards. Here you just need to enter either your account details, which is quite long, or indicate your card number. As a rule, money arrives very quickly.

It should be said that to replenish the card, the personal presence of its holder is not necessary. The transfer can also be made by a third party. Although he will need to provide his passport and write an application in which all the details will be indicated.

What unpleasant consequences could there be?

Surely each of us knows that if we fail to fulfill our obligations on time, certain consequences arise. If we talk specifically about credit cards, then if the payment is repaid later than the due date, the bank may impose a fine.

As a rule, credit institutions charge a certain interest for each overdue day. As for Sberbank, it has 38%, while other banks have only 24%.

Maestro momentum is the most popular first card among Sberbank clients. All this is due to the fact that you can receive it the very next day after signing the contract. This card has other advantages, which we will discuss below. But first, you need to understand why momentum is needed at all and what are the features of its design.

How to get a Maestro Momentum card

Sberbank allows all clients, from 14-year-olds to 65-year-olds, to receive a momentum card. All you need for this is a passport.

Contact the nearest branch of the company and ask for help from a consultant. In the absence of queues and a small number of visitors, all paperwork will take no more than 15 minutes, and the very next day, the client can pick up and activate the card. It is anonymous, but contains a chip with an associated password and CVC2 with a security combination that allows you to pay for services and purchases via the Internet.

To activate, just insert the card into the ATM and enter the PIN code. Its basic functionality will be enough to withdraw money and pay for services from your personal account. The card often acts as a gift from the bank when a client is issued a loan or makes a “universal” deposit. This behavior of Sberbank in relation to cards leads to the fact that more than 50 percent are closed as unnecessary. And also some difficulties with obtaining, such as:

1. Lack of cards in the local branch (most often in small towns).
2. Reluctance of employees to mention a free copy, coupled with an attempt to impose visa gold or electron. It is more profitable for them to offer a paid option.

According to the rules established by Sberbank, there are no restrictions on the issuance of Maestro momentum. Any person who is a citizen of the Russian Federation and has a passport can receive it. Therefore, the bank is actively promoting the card as a youth card, because without strict criteria for the owner, it is easily issued for minors.

If cashiers or employees refuse to issue an agreement for signing without a compelling reason, then the client has every right to write a negative review on the official Sberbank website, indicating the name and surname of the negligent employee.

What can it be used for?

Momentum has basic visa electron functionality and is suitable for cash withdrawals and transfers of small amounts (up to 100,000). Transactions between cards of one user are free, and for the details of other individuals they are carried out with a commission of 1 percent. But here, too, you can avoid additional costs if the credit cards of the initiator and recipient of the transfer were opened in the same city.

It’s the same with replenishments; if you transfer cash to a bank account through a cash desk or terminal of a local bank, then the transaction is free. When transferring from electronic wallets outside your city, a minimum commission of 0.75 percent is charged.

Momentum is mainly used for:

1. Payment for services and purchases online.
2. Withdrawing money from electronic wallets. Thanks to its low transfer fees and ease of transactions, it is popular among freelancers.
3. Cashless payment in stores.

However, experienced users prefer Momentum other cards, with fewer restrictions and more favorable terms of use, as well as savings accounts.

Restrictions

Momentum is initially unsuitable for use abroad, but its main limitation is the lack of CVV2, like most entry-level credit cards. Because of this, it is impossible to pay for some services and make purchases in stores with a high level of security.

The inability to set up an overdraft in your personal account gives owners fewer opportunities to protect their savings. Also, Momentum is not suitable for transfers from the PayPal system, but here you can take a workaround and transfer money first to webmoney, and only then cash out using a card.

Additional services

• Like any Sberbank card, Momentum has a number of additional services, and although it itself does not require a service fee, a separate fee is required for mobile banking or using a personal account.
• You can connect to momentum the “Thank you from Sberbank” bonus tariff, which allows you to return part of the money spent, and then use your savings for purchases in the bank’s partner stores.
• Mobile banking, like your personal account, will allow you to maintain convenient expense statistics and manage your accounts from anywhere in the world. A smartphone or tablet running iOS and Android is suitable for this.

Differences from the classic Sberbank card

Unlike classic bank cards, maestro momentum's details consist of 16 digits, not 18. This causes difficulties when paying on some sites, because not all forms support the 16-digit number format. But this type of plastic also has a significant advantage - 3D Secure. A security system with additional information encryption that makes life difficult for hackers and fraudsters, and also allows you to make transactions on the Internet without the risk of hacking.

Conclusion

Maestro momentum is a good choice among entry-level Sberbank products and is suitable as a first card for novice users of banking services. However, it has a number of limitations, such as the inability to set an overdraft limit or issue an additional card, which will not appeal to experienced users.

But thanks to the small withdrawal commission and ease of interaction with electronic wallets, it will be a good choice for freelancers and people who need easy withdrawal of electronic funds.

I hope our tips were useful to you. See you on the pages of the site!

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