Sberbank Momentum instant card. Detailed review. What is Visa Electron of Sberbank

It is impossible to say unequivocally which card is better, because it depends mainly on the purposes of its use. Where is the bank client going to make payments - on the Internet, in the nearest supermarket or abroad? How much money is a consumer willing to pay for annual plastic maintenance? The choice of a suitable Visa payment system card depends on these and other questions.

Features of cards

Visa Electron is an entry-level card, which is confirmed by the bank’s total control over the expenditure of funds from the client’s account. Cards of this type are usually issued to consumers who have a negative credit history (but not to persistent defaulters), or who have no experience working with cards at all.

The card is designed for certain categories of the population, these include youth, students, children (with the permission of legal representatives), pensioners, as well as persons with a limited or unstable source of income.

Despite such restrictions on potential customers, a plastic card can be either a credit or a debit card.

The main operations that can be performed using a Visa Electron card include:

• Cash withdrawal, including abroad, exclusively at the issuer’s ATMs.
• Payment for services and goods at retail outlets.
• Payment for goods online, but only with the consent of the issuing bank.

With this card you can:

• Pay at all trade organizations where Visa terminals are present.
• Cash out at any ATM of the payment system, including abroad.
• Pay for purchases in online stores.
• Use to pay for a hotel room reservation or rent a vehicle abroad.

From the main permissible operations it is clear that the better of the two cards is Visa Classic, which is more suitable for travel, but this is where its distinctive characteristics, regulated by the developers, are limited.

Cards using the example of offers from Sberbank

Electronic Visa cards are issued at Sberbank only as debit cards, with an annual service cost of 300 rubles. in year.

Minimum credit card payment calculator

Persons over 14 years of age can receive a Visa Electron, and an additional card can be issued for a child over 7 years of age (with the consent of the legal representative).

Annual service for Visa Classic will cost the client 600 thousand rubles. - credit and 750 - debit.

The difference between cards is expressed not only in the cost of service, but also in the bank’s requirements in relation to potential clients . Residents/non-residents of the Russian Federation with temporary/permanent registration and over 14 years of age can receive an electronic card. In turn, to obtain a Visa Classic card, you must be a citizen of the Russian Federation, at least 14 years of age for debit cards and 21 years for credit cards, with permanent registration.

Another difference is observed in the cash withdrawal limit. . For a Visa Classic card it is 1.5 million rubles. per month, and for a Visa Electron card - 500 thousand rubles. No commission is charged for cash withdrawals through Sberbank ATMs only if Classic cards are used. To carry out this operation free of charge using an Electron card, you must use the ATM of the bank where the account was opened.

Owners of classic Visa cards can count on emergency withdrawal of funds outside the Russian Federation, while electronic cards do not have such a function.

Thus, there are no fundamental differences between these card products, especially when it comes to their use in the Russian Federation. For trips to another country, it is still better to issue classic cards.

Sberbank offers a wide range of cards, which differ in the cost of service and the opportunities they provide to customers. Let's compare cards of the international Visa system and choose the most profitable one. Read about Sberbank MasterCard

Advantages of Visa cards from Sberbank

At a time when technology is rapidly moving forward, it is almost impossible not to use maps. Sberbank is one of the most famous banks that issues cards for its clients on favorable terms.

Applying for a VISA is free, but the client will have to pay a monthly service fee (all types of Sberbank cards and the cost of their service).

Visa cards are valid for 3 years, after which they need to be reissued. this way, a similar product is prepared in advance for the client completely free of charge, so upon a visit he receives a new card urgently.

Advantages of the Visa Gold card at Sberbank

In addition to the usual standard cards, the bank also issues Visa gold cards. differs in that it includes a much wider range of services and opportunities for the client. This option is suitable for clients who often travel outside of Russia.

The advantages of the Visa Gold card are as follows:

• allows you to use funds in different currencies;
• the ability to conduct operations abroad on equal terms;
• there is no limit on overdraft;
• no need to make down payments;
• free service is included if necessary;
• the opportunity to receive funds from the account if the card is lost or the PIN code is lost (for example, when you forgot);
• no commission for reports when checking the card balance;
• quick transfer of money to your account for various transfers;
• Provides discounts in various stores (details).

It is possible to connect Mobile Banking, Sberbank online, and auto payment to Visa Gold. You can purchase this type of card at any bank branch. Registration is possible upon reaching 18 years of age. The identification document is a passport of a citizen of the Russian Federation. Maintenance per year is 3,000 rubles.

Visa Electron Sberbank

Visa Electron is an entry-level plastic card. Registration is possible from the age of 14. Annual maintenance is only 300 rubles, but despite this you have access to many different services - Thank you from Sberbank, Mobile Bank, personal account.

The absence of a limit and the ability to manage several currencies on one card significantly increase user interest in this banking product. There is also protection in the form of an electronic chip, which increases security and makes it possible to safely use it for online purchases.

Visa Classic

The youth debit card Visa Classic of Sberbank is a plastic card that is issued to individuals no older than 25 years. A debit product can be issued from the age of 14, and a credit product can be obtained from the age of 21.

Visa Classic has a number of advantages that will appeal to any Sberbank client. Firstly, absolutely inexpensive annual service, which will cost the client only 150 rubles. Secondly, using the card you can make payments without leaving your own home, that is, via the Internet. Visa Classic also uses 3D-secure technologies, which allows you to protect your funds when making online transactions.

Visa Electron Momentum of Sberbank

The Visa Momentum card in Sberbank is issued very quickly, on the spot upon presentation of a passport, and an additional condition is the presence of at least temporary registration. In addition, no immediate payment for annual maintenance is required, which is a huge plus. Momentum is not a personal card, so this can definitely be attributed to the advantages of a platic card. The limit for withdrawing cash from a Momentum card from Sberbank per day is 50,000 thousand rubles.

Momentum PRO 10

The convenience of using this type of card is that registration takes place after submitting an application in just a few minutes. At the same time, Momentum is a universal card, since it implies use in the same conditions, both in Russia and outside the country. In addition, it is possible to use and conduct transactions via the Internet.

Momentum R

Like the Electron Momentum Visa, Momentum R has a quick processing procedure and is not personal. Using this card it is very convenient to conduct transactions via the Internet, pay for services and make transfers without any commission.

Momentum R has the following features:

• payment at points of sale;
• transferring funds via the Internet;
• payment through ATMs and terminals;
• transfer money between your cards;
• auto payment

Which card is the most profitable to open?

The main factor when choosing a card should be the quality of service (for this you should choose a reliable and trusted bank), as well as the price for the opportunities provided.

Important! There is no point in overpaying for the services provided, since the client can always activate additional paid services while already being the owner of the card. The main thing is to monitor how much money is debited from the account so that the card is not blocked by the bank.

Analyzing the types of Sberbank VISA cards considered, we can conclude that it is most profitable to become a holder of classic Visa plastic products, since there will be no need to overpay for the annual service provided by the bank of opportunities (in comparison with Gold). In addition, the benefit is that this card is convenient to pay for purchases at points of sale and via the Internet, since the level of protection of the plastic is quite high.

If you are not yet the proud owner, or simply need another one, then you have a reason to go to the bank. Sberbank offers countless debit cards. The main thing is to set priorities for yourself. Answer the question for yourself why you need a card and, with a cool head, proceed to select it. Here we will talk a little about the Visa Electron card.

Initially, if you come to visit the bank, you will be offered a card with account servicing for the year of at least 1000 rubles. Further, if it turns out to be very expensive for you, the bar will be lowered slightly. This will happen either to the point of your shyness, or to the point of offering a free card.

What does "level of shyness" mean? Not everyone goes to the bank to get a card well informed about the range of their cards. And since they start with the most expensive ones and they have a lot of cards, gradually you will feel uncomfortable asking again: “Is there a cheaper one?” With all this, managers talk about expensive cards very competently and temptingly. Refusing them will make you feel like a criminal. Therefore, it is better to go to the bank with a clear goal, and even better with a specific name for the required card.

What is a Visa Electron card?

This is one of the most popular cards for issuance at Sberbank. Its popularity is mainly due to the low cost of annual maintenance. Only 300 rubles per year. The only more popular card is the free card, it is also called the social card, the Maestro card. But here we are talking about Visa.

This card has all the necessary capabilities of plastic cards. You can also pay for purchases both online and offline. Withdraw cash without commission in your region and top up in all possible ways.

Conditions for issuing a card.

The card can be issued by any citizen of the Russian Federation who has reached 14 years of age for the main card and 10 years of age for issuing an additional one. You can apply for registration online or come to the bank in person to apply. After filling out an application for issuing a card, you need to wait about 10 working days for its production.

The product line of the largest issuer in Russia includes a reliable, simple and convenient means for storing money and carrying out monetary transactions. The Sberbank Visa Electron card is a universal payment instrument that is suitable for most users of banking products. It contains all the necessary functions for comfortable use of savings.

The “Visa” icon on the plastic is evidence that the card is part of the extensive family of the Visa payment system, used in 200 countries around the world and based on dollar currency. The system has a lot of advantages, ranging from reliable transaction protection to the fact that most operations take place without wasting time. It is possible to open both debit and credit cards.

All PS debit cards are divided into 3 categories:

1. Classic is a classic entry-level option, a universal and inexpensive product to use.
2. Gold is a gold category with more opportunities.
3. Platinum - premium platinum - the top of the line with expensive, but well-priced service.

Visa Electron from Sberbank belongs to the “Classic” category. This is one of the most popular and popular card options from Sberbank’s offerings. It is often called “starter”, since most clients, when opening the doors of Sberbank for the first time, start with this type of plastic.

Receiving a card

To become the owner of a Visa Electron, you had to go through a simple registration procedure. To begin with, a debit account was registered with Sberbank, an application was first submitted and the approval of the financial institution was expected.

To receive plastic and open an account, the client must meet the requirements of Sberbank and identify his identity by presenting a passport. You can own a payment instrument starting from the age of 14. Additional plastic was issued to Russian citizens who were 10 years old or older. For which written parental consent was required.

Offer line

Visa Electron looks very simple. This is a nice-looking green plastic card, available in 3 options:

• Visa Electron of the usual type, issued to citizens over 14 years of age;
• additional, issued for citizens admitted to the account of the main owner;
• salary, issued on the condition that the employer has entered into a contract with Sberbank on the payment of wages to employees.

Terms of Use

The described plastic has basic and additional capabilities. The main ones include:

• payment for goods and services via the Internet;
• receiving a salary transferred by the employer;
• making non-cash payments at retail outlets;
• withdrawing cash at Sber cash desks and self-service machines.

Important: the advantage of the product is that it supports 3DSecure secure payment for services and goods.

Additional opportunities available to cardholders include:

• Internet banking “Sberbank Online”, which allows you to take control of the management of your payment instrument;
• mobile application - the same Internet banking, configured for the functionality of smartphones;
• a mobile bank that allows you to manage accounts via SMS sent to the financial institution’s service, as well as receive SMS notifications about all transactions carried out with the card.

When applying for a Visa Electron card, you can choose not only domestic currency, but also euros or dollars.

How is the card issued?

The procedure for registering a payment instrument consists of 3 steps:

1. Contact one of the Sberbank offices. Choose any convenient option.
2. Declare your intentions and present your passport.
3. You enter into an agreement with the bank and sign all the documents drawn up together, having previously studied them.

If your age is in the range of 21-65 years, Sberbank can make you an individual offer that is more profitable than standard conditions. Only citizens of the Russian Federation who are registered in one of its regions can receive plastic.

How to top up the card?

The question of replenishing a payment instrument faces all its owners. You have several options:

• through the Sberbank Online service;
• through mobile banking;
• using self-service machines.

Each method has its own nuances.

Sberbank Online

This method involves transferring funds to a Visa Electron card from other cards or accounts. In order to use the service, you need to register in online banking and the mobile application. The actions are:

1. Log in to the service using your password and login.
2. Find the "Translation" tab.
3. Fill out the form by entering the requested details.
4. Confirm the operation.

Money arrives instantly.

Mobile bank

As already noted, in a mobile bank, management is carried out via SMS. The algorithm of actions is as follows:

1. If you know the plastic number, you need to dial the following SMS: “TRANSFER 1111 2222 2000”, where:

• translation - command;
• 1111 – last 4 digits of the sender’s plastic number;
• 2222 - last 4 digits of the recipient’s plastic number;
• 2000 – amount to send.

1. If only the recipient's number is known, the SMS will be: “transfer 91111111111 2000”

The message must be sent to number 900. In response, you will receive an SMS containing a secret code, which must be rewritten in a new message and sent again to the same number 900.

Self-service devices

A simple and convenient way to replenish Sberbank cards is to use an ATM. For a successful operation, take the following steps:

1. Find a self-service machine that accepts cash.
2. Insert the card into the card reader.
3. Enter your PIN.
4. Select the “Deposit Cash” command.
5. Insert banknotes into the cash acceptance unit.
6. Check that the ATM has written the amount correctly.
7. If everything is in order, click on “Perform operation”.

The money will be received immediately, no commission will be charged. Similarly, you can add cash to your card using payment terminals.

If the listed methods do not suit you, you can contact the cash desk of Sberbank or other financial institutions. You can top up your card balance using third-party services on the Internet, Russian Post and electronic wallets.

Maintenance cost

One of the advantages of the card described is that the cost of its maintenance is significantly lower than many similar products.

Visa Electron requires the following costs:

Advantages of the card

The advantages of plastic can be highlighted from what has already been said. This:

• high degree of 3DSecure protection;
• inexpensive emissions;
• affordable service;
• good functionality;
• the ability to connect to the “Thank you from Sberbank” program and receive cashbacks for purchases;
• possibility of connecting additional cards;
• connection to Internet banking and mobile banking;
• when funds are credited to an account through Sberbank, no commission is charged, etc.

Everyone can highlight the individual advantages of a payment instrument.

Expanding the capabilities of Visa Electron from Sberbank

The capabilities of users of the described Sberbank card will become much wider if they connect to the “Thank you from Sberbank” bonus program. From this moment on, the benefits of using plastic will increase, since for each purchase points will be returned to a special account, which can be accumulated and then spent instead of money, purchasing goods and services from partners of the financial institution.

Verified by Visa

When considering the card’s capabilities, one cannot help but add Verified by Visa to the already mentioned. We are talking about technology to protect bank accounts at the time of payment for purchases made online. When shopping, you need to know:

• expiration date of the plastic;
• card number;
• code on the back.

If the above is known to an outsider, he can easily buy the goods even without the holder's permission.

To protect clients’ money from theft by strangers, Sberbank has set limits on spending on the Internet. If you need to purchase a product that costs more than the established limit, you need to go to Sberbank Online and temporarily change the limit.

Can I use the card abroad?

Many users, when choosing a payment instrument, use the following criterion: the ability to use it abroad.

Visa Electron can be used abroad. However, its functionality is quite limited. Not all foreign self-service machines accept this Sberbank product.

Today, the card is one of the most popular banking instruments that allow clients of the structure to significantly save their personal time, as well as a certain percentage of funds. Thanks to it, you can make cashless payments in online stores, buying a product or ordering a service, and receive discounts or bonuses. We suggest that you familiarize yourself in more detail with the conditions for obtaining a Visa Electron card from Sberbank and its tariffs.

Now international payment systems involve the use of plastic cards. They are used to pay for goods and services, withdraw cash, transfers, etc. It can also be used abroad. The Visa system owns more than half of all payment cards in the world. In Russia, the first bank to use this system and become a member of the association was Sberbank.

There are now several different types of Visa payment and credit cards available to customers. All of them are used for specific purposes and have their own advantages. The most popular are Visa Classic and Electron.

The Electron type looks like any other plastic card and has a standard size. The only difference can be considered that there is no relief print on the front part with the name and details of the owner (embossed print). Such a print is usually made to order from the client, and its production takes longer - up to 15 days.

The Sberbank Electron card can be used to receive wages. Initially, it was intended to carry out various financial transactions within the country between companies and for money transfer operations, but over time it began to be used for other purposes. Simplicity and ease of use have made it possible to expand the range of its applications.

You can distinguish an Electron type card by the characteristic logo on its surface.

This type of card can be used to work with three currencies: euros, dollars and rubles. She takes part in various incentive programs and can receive special discounts from international payment systems. Electronic allows you to pay for goods and services not only within the country, but also abroad (including via the Internet).

Online services are provided for clients that are suitable for remote management of funds in their account.

Receipt and service

You can get an Electron card at any Sberbank branch. It is necessary to personally contact representatives of the institution and provide documents. To apply, you need a passport and an application.

It takes about two weeks to produce a bank card. An individual design can also be ordered, only this one will take longer, and the Visa will take almost a month to make. When it is ready, a notification will be sent to your mobile number. After this, you can go to a bank branch and pick up an envelope with a card.

The Sberbank Electron visa will be activated after the first transaction performed by the client.

Tariffs and costs of operations

The Electron card requires a small payment by the client. The service fee is 300 rubles per year. For an account with dollars or euros, 10 units of the corresponding currency are charged. For additional cards the fee is reduced by 2 times.

When replenishing your account, no payment is required, with the exception of other banking institutions (1.25% of the amount).

When issuing cash at Sberbank cash desks or terminals, no commission is charged, but in others it is 1%. The Electron Card may have limitations. The monthly withdrawal limit is 500 thousand rubles or 16 thousand dollars, or 12.5 thousand euros. The withdrawal limit for one day is 50 thousand rubles, for foreign currency the amount is also 10 times less.

Operations in secure mode (3D-secure)

A lot of transactions using Sberbank cards are carried out via the Internet. For this purpose, a special service is provided to protect its clients.

The 3D-secure mode is used to protect transactions carried out using Sberbank online services. The system involves the use of a one-time password, which is sent to the client to continue the operation of interest. The code comes to the user’s mobile phone in the form of an SMS message, registered when registering an account and bank card.

Thus, additional protection prevents the possibility of being subject to fraudulent activities by ill-wishers. Clients can be sure that all data is confidential and protected from unauthorized persons.

You can make purchases of goods and services on sites marked with the “Verified by Visa Secure Code” logo. When paying for purchases or services online, you must choose a store that supports Visa Electron.

Enter the visa details - the holder's first and last name in Latin letters, expiration date, card number and three-digit CVV code (indicated on the reverse side). Then comes verification with a password.