What is the name of the holder. Unnamed Sberbank card. Banks and personal data

The fundamental part of clients of credit and financial institutions have plastic cards. Products are gradually replacing cash from circulation. When paying online, it is often required to enter plastic data indicating the name and surname of the product holder. Most users understand the meaning of the information, but the item "Sberbank cardholder" is still puzzling.

What does the concept mean?

Standard plastic products contain the name of the payment system, the Sber logo, number, expiration date, last name and first name of the person who opened the account. The reverse side shows a CVV code, a personal signature, a magnetic reading strip. Citizens who actively buy goods and services via the Internet often encounter a field when filling out card data in which the cardholder must be entered. Without entering this information, the transaction will not take place.

The owner and holder of plastic are different concepts. The second concept required to fill in information regarding the card is indicated on the front side of the product. This is the last name and first name of the Sberbank client to whom the card was issued. The credit card itself is not directly owned, the products belong to the bank. The holder is the owner of the bank account and funds on the card.

Plastic holders can be legal entities, individuals who have the right to fully manage the funds on the account, conduct transactions before the end of the validity period. At the end of its useful life, the product is returned to the facility.

Duties and Rights

The owner of the bank account and money, in whose name the card is entered, uses the products in accordance with the clauses of the agreement. The holder has a number of rights:

• fully manage the money on the card account;
• monitor and control the movement of funds, find out the balance of a credit card;
• add individual wishes to the clause of the agreement, for example, a photo of a personal card design;
• block access to spending.

Cardholder responsibilities include:

• not provide information and access to plastic to third parties;
• do not tell anyone the pin code;
• in case of loss, theft of products, immediately inform the bank employees.

Additional card

The owner of plastic can issue several products tied to one bank account. The main card will be held by the owner of finance, and the rest of the products will be held by other persons.

This type of card is mainly opened in the name of close relatives, trusted persons. The money that is on the main account is available equally to all holders. However, only the owner can open and close a direct account. An additional card is issued after filling out a questionnaire at a branch of Sberbank.

Location of the cardholder's name

Cards that do not display the name and surname of the holder are called non-personalized. This product is typical for entry-level credit cards, and the data is not embossed. Unnamed cards make it difficult for the user to buy goods online, but making payments by inserting plastic into the terminal or applying it is possible without problems.

Unauthorized card withdrawals

Modern Sberbank cards have a high degree of protection thanks to the 3-D Secure system. Even with advanced security, there is a risk of fraud.

Has a format defined by the ISO 7810 ID-1 standard - 85.6 x 53.98 mm.

The appearance of a bank card may vary, but in general it includes a number of common components.

The front of the card contains:

• image or background. Each payment system has its own requirements for card design. Many banks offer to issue a card with an individual design. The image applied to it, the client chooses independently;
• name of the issuing bank- a credit institution that issued a bank card and authorizes and maintains its account. The card is the property of the issuing bank;
• payment system logo. Each payment system has its own distinctive emblem. For example, the Visa International logo updated in 2005 contains blue letters on a white background, where the V is marked with an orange stripe. The U logo consists of two intersecting red and yellow circles with the inscription MasterCard in white on their background. Despite the fact that MasterCard rebranded in 2006 and added a third white circle to its two circles in its logo, and placed the new name of the MasterCard Worldwide system, already in black, under these circles, it was decided to leave the old logo on all plastic cards. In the center of the card of the payment system is a Roman warrior - a centurion;
• hologram. Serves as a card protection against forgery. The hologram of the Visa International payment system is a flying dove. At MasterCard Worldwide, it is made in the form of two intersecting circles, which depict the continents. Its background consists of a field containing strings of the repeated words MasterCard. The hologram may be completely absent, it all depends on the type of card. American Express does not use a hologram on their cards;
• built-in chip. Present on microprocessor cards. Contains all information on the card. Chip cards are more secure than magnetic stripe cards. Faking them is much more difficult. Pure microprocessor cards are rare. Banks issue combined cards, where there is both a chip and a magnetic stripe. Today, many domestic credit organizations began to offer them;
• card number. For Visa International and MasterCard Worldwide payment systems, this is usually a 16-digit number, which is divided into four groups of numbers. For American Express cards, the number consists of 15 digits, divided into groups of 4-6-5 characters. Number more often, that is, squeezed out;
• card expiry date. It is indicated on its front side under the number in the format “month and year of expiration of the card”, for example 02/18 (February 2018). On the American Express card, along with the expiration date of its validity, the initial one is also indicated. It is located under the card number. Often embossed. The card is valid until the last day of the specified month. During this month, the credit institution, as a rule, automatically reissues the card. Bank cards are provided for a period of one to three years;
• name and surname of the cardholder. They are applied to the card in Latin letters and are located under the expiration date. Mostly embossed.

The back of the card contains:

• magnetic stripe. Special magnetic coating for writing and reading information. In domestic practice, most payment cards have just such a data carrier;
• place for the cardholder's signature. Located under the magnetic strip. Upon receipt of a bank card, its holder must immediately put his signature there. It will serve as a model for verification when conducting card transactions in the presence of the seller (cashier). If the signature on the buyer's signature card does not match, the refusal to accept the card for service is legal. She is being withdrawn from circulation. Without a signature, the card is considered invalid;
• four-digit number in the holder's signature field. For MasterCard Worldwide and Visa International payment systems, it indicates the last four digits of the card number;
• card authentication code. MasterCard Worldwide and Visa International have three digits. For the first system, it is called , for the second -. Printed next to the holder's signature space after the last four digits of the bank card number indicated there. The code is used as an additional means of identifying the holder, for example, when making payments on the Internet. On maps of some categories, it may not be indicated, for example, on. For American Express, this code consists of four digits and is located on the front side above the card number on the right or left;
• hologram. On cards with a MasterCard Worldwide payment system chip, it is on the reverse side. Visa also allows a hologram to be placed on the back. There is no hologram on American Express cards;
• address and reference phone numbers of the issuing bank.

The main desire of the client when contacting the bank is the speed of service. Especially when it comes to getting a card product. An unnamed Sberbank bank card is gaining more and more popularity due to the speed of issuance and the presence of certain advantages. Since there are no surname and name of the holder on such plastics, a banking institution can issue such payment instruments in advance and issue them to the client at the first request.

Ease of issuance is a big advantage when choosing a card product

Previously, the bank issued two types of quick release plastics: MasterCard Maestro and Visa Electron (). They are currently discontinued. Now the banking institution offers Momentum cards with extended functionality of three payment systems:

1. VISA;
2. Mastercard;

The main advantage of the card is issuance within 15 minutes

They belong to the primary level products, which implies limited capabilities. Nevertheless, unnamed Sberbank debit cards have advantages over the classic options.

They are expressed as follows:

1. Speed. Registration takes place at the time of the visit, in the presence of the client. That is why they are called "instantaneous".
2. Lack of documents. A passport is sufficient for registration.
3. Saving. The card is issued free of charge and does not provide for a service fee, like other card products.
4. . The conclusion of the contract makes it possible to use a number of services and submit applications remotely.

Cardholders are automatically connected to the rewards program Thank you

But more important for the client, what are the cons of an unnamed Sberbank card:

• There is no way to issue another card of this format.
• Difficulties may arise when paying in online stores. Some of them do not provide for payment with non-personalized plastics. For example, the Maestro card does not have a CVV code, which prevents its owner from making online purchases.
• It is not possible to issue a salary or pension for this type of card.
• If you lose the PIN code or the card itself, it cannot be restored.
• Lower cash withdrawal limits. With instant issuance, the bank cannot fully verify the client, therefore, certain restrictions are placed on its use.
• Plastics of the new release are equipped with contactless payment technology.

The restriction will also apply when using the payment instrument abroad. In particular, it is impossible to urgently receive cash in case of loss of plastic, although such a procedure is allowed for the rest of MasterCard and Visa.

Features and Terms of Use

Conditions for issuing and servicing instant cards

Depending on the needs of the client, an unnamed Sberbank Momentum card, despite some restrictions, may be more profitable. You can use the card for almost all purposes:

1. Pay for services in self-service devices, ATMs.
2. Use Mobile and Internet banking services.
3. Enable automatic payments.
4. Transfer funds to accounts remotely.
5. Offers and promotions from MasterCard and Visa.
6. Use bonuses Thank you (if you want to know - read our article).
7. Pay for purchases abroad (except for Momentum MIR).

The main requirements for the client are expressed in the order of issuance.

Instant issuance cards are non-personalized payment instruments - the surname and name of the holder are not applied on it

Since a passport is enough for its registration, a citizen who is over 14 years old will be able to receive the product. The registration process looks like this:

1. Visit the office of Sberbank.
2. Fill out a standard form containing information about the client. Present your passport.
3. Sign the UDBO agreement.
4. Get a card.

The operation takes about 10-15 minutes. The unnamed Sberbank card itself (you can see it in detail in the photo) contains all the main parameters: the payment system logo, number, date of issue, signature field, electronic security chip.

Tariffs for the issuance and maintenance of debit cards MasterCard Standard "Momentum" and Visa Classic "Momentum"

Tariffs for issuing and servicing debit cards MIR Momentum

The only thing missing is the user's initials. This is the only difference from conventional products. Also, the difference may be the number of characters in the plastic number. How many digits are applied depends on the system. Usually, the number consists of 16 or 18 characters. Less often - out of 20.

Limits, commissions and additional features of a non-personalized card

An unnamed Sberbank card (how much its service costs is described above), provides for the collection of a commission for some procedures:

1. Put money through another financial institution - 1.25%.
2. Withdrawing money at branches and ATMs of the territorial bank where the account is opened - no commission (0.5% if the limit is exceeded).
3. Cash withdrawal in other territorial or subsidiary banks, as well as in others - 0.75%.
4. Withdrawal of funds through ATMs of another region or banks - 0.75%.
5. Obtaining information about procedures with an account (last 10): 15 rubles.
6. Receiving a report on the card account to the home address by mail: 150 rubles per year. Free - when sent to an email address or issued at a branch.

Requirements for the client when issuing an unnamed card

The instant issuance card has a limit on debiting funds from the account for a day - up to 50 thousand rubles. When cashing out, the limit per month is 100 thousand rubles.

There are several ways to top up your card:

• Deposit cash through the cash desk of Sberbank or an ATM.
• Transfer from another card of the issuing bank through an ATM, Sberbank Online, Mobile Bank.
• Enter through the terminal.

To increase the degree of security, the Momentum non-personalized card (Sberbank) is connected to the Mobile Bank.

In this case, the client will be able to control the balance and transactions, which will allow timely detection of the impact of fraudsters. You can also configure the following control methods:

• Receiving SMS after any withdrawal from the account (transfer, payment, cashing out).
• Receive a monthly report by email. You need to ask for it at the branch.
• Formation of a report independently for any period in the Cabinet in Sberbank Online.
• Request detailed information in the Contact Center from the operator.

To apply for a Momentum card, you only need a passport

In what cases is such plastic beneficial? When you urgently need to issue a payment instrument. If plastic is not used all the time, but it is needed more for insurance, and there is no need to overpay for a more expensive traditional card.

Conclusion

Despite some limitations, instant plastics are of great interest to consumers. The new Momentum card products have more advanced functionality than their predecessors. But their most important advantage has been preserved - the speed of issuance and free service.

I once asked this question.

Failed to pay, tried on several sites. The system does not allow such a card. I entered my name, I made it out myself, the contract with the bank was for me, but the card was impersonal.
It was highlighted that there was an error in data entry and something else like that.

Apparently this is not possible. This card has a lot of limitations.

★★★★★★★★★★

How to pay for a purchase on the Internet with a bank card that is not registered?

I have a Sberbank VISA credit momentum card, depersonalized, where instead of the last name and first name there is an inscription credit momentum.
Most recently, namely in February 2013, I made an online purchase via the Internet in the M-Video store.

There were no problems with card payment.
The fact is that, unlike the "standard" payment for purchases via the Internet, in this case, a request is received to conduct and confirm the operation.

It is necessary to confirm the operation - enter a one-time password.
The password is obtained free of charge at ATMs of Sberbank of Russia by entering a PIN code.
When receiving 10 one-time passwords, keep a receipt - 1 password is for the 1st operation.
When paying for purchases via the Internet, a three-digit CVV identification number is entered - the card authentication code / located on the back of the card / next to the cardholder's signature field.

Operations on the Internet in a secure mode are also available with Sberbank cards - but only on websites using the Verified by Visa technology:

Visa Gold,
Visa Classic,
visa business,
Visa Electron.

For Sberbank MasterCard cards - on websites using MasterCard SecureCode technology:

gold mastercard,
MasterCard Standard,
MasterCard Business.

Transfers, write-offs, transfers, payments outside the Russian Federation using these cards are not available.
For more information, see the Sberbank of the Russian Federation website.
sberbank.ru

Comments

And we don’t have a Sberbank card, what should we do then?

Wait for the next responder to guess the name of your secret Bank)))

How to pay for purchases on the Internet with a bank card? Named or not named - what's the difference? They are all named). Is there a code?

All the same, your data is in the bank that issued the card, and whether they are printed on the card itself does not matter. And it has - CVV2 code for VISA or CVC2 for Master card. These are the last three digits on the back of the card.
For example, the Maestro card does not have this code, and it cannot be paid on the Internet, there is a code on the VISA-classic card, and I paid with this card on the Internet, among others.

You named only the payment system (VISA), but did not name the type of card, nor the bank, nor the online store, and they may have completely different authentication systems. General advice - enter the name and surname in English letters in the same way as the bank wrote in the documents on the card. But if there is no CVV2, most likely this card is not intended for online purchases. And even if you have this code, you may still not be able to make such a payment. Sometimes the bank that issued the card blocks the possibility of such payments by default, for the purpose of additional protection.

The only thing that will definitely help you is contacting the bank. And there you will either find out that this card is not intended for such payments, or you will be unblocked this opportunity.

Prepaid bank cards can be non-personalized: payment gift, virtual, instant issuance. They do not have the owner's name on them. Examples of such cards: QIWI Visa Card or MasterCard "Corn" World.

They are quite suitable for paying for purchases on the Internet.

For example, "Corn" World is very profitable to use when buying denominated in USD or EURO. The exchange rate into rubles is equal to the exchange rate of the Central Bank of the Russian Federation + 2%, and when debiting funds, the exchange rate on the day of debiting is used. Unnecessarily blocked funds are returned to the card.

Card maintenance is free.

As for the owner of the card, you can write ANY name and surname convenient for you in Latin, or simply write UNEMBOSSED NAME.

I usually indicate the name and surname of the person to whose address the purchased goods are sent. As the billing address of the card (Billing Address), you must specify the shipping address (Shipping Addresses).

It is better to replenish a payment card immediately before purchase. After paying for the goods, it is advisable to keep the card balance at zero or close to zero.

If you have a bank card in your hands, this does not mean at all that you are its owner or owner. You are just a cardholder - a bank client who was given the opportunity to use it for a period equal to the validity period of a bank card (3-5 years). Why this is so, we will talk in our article ...

Card holder. Who is this?

If you look into the banking service agreement (RBS) of individuals of any bank, then in the section "Terms used in the agreement" opposite the term "Cardholder" you will see something like this definition: an individual in whose name a card is issued, who has received the right to use card in accordance with this RB (excerpt from UDBO of PJSC Sberbank). If it is quite simple, then the holder of a bank card is the person in whose name the bank issued the card.

It turns out that the issuing bank that issued the card is its owner (or owner), and the one to whom it was issued is its temporary holder or user. Why temporary? Because the card is valid for a limited number of years, but it will be up to the bank to decide whether to reissue it for a new term or not.

Thus, it is incorrect to say that you are the owner of the card.

On the contrary, if you open a bank account, you will be the owner of the account. Thus, according to Article 846 of the Civil Code of the Russian Federation “Conclusion of a bank account agreement”, the bank is not entitled to refuse to open an account, the performance of operations on which is provided for by law and on the terms agreed by the parties. Also, under the bank account agreement (Article 845 of the Civil Code of the Russian Federation), the bank undertakes to accept and credit funds received to the account opened by the client (account holder), fulfill the client's instructions to transfer and issue the appropriate amounts from the account and conduct other operations on the account. In this case, the bank can use the funds available on the account, guaranteeing the right of the client to freely dispose of these funds.

All of the above operations can be carried out with a bank card. Actually, it is a convenient tool (key) for accessing money on the client's account (card account).

Why does the account holder not become the owner of the card linked to the account?

Why is there such a discrepancy: the cardholder is the owner of the account to which the card is “linked”, but is not the owner of the card itself, even if he pays a lot of money for its issue and annual maintenance? To be honest, the author of the article for some time could not formulate an answer to the question asked, but the answer surfaced suddenly.

Everything is simple! Imagine that you are buying an ordinary ballpoint pen. This is a product with which you can write or draw, it fulfills its main function 100% without any conventions. And if we buy a refrigerator, but we don’t have electricity at home, or a car, but gasoline disappears at gas stations, finally, a cell phone without a SIM card. In all these cases, you will be the owner of these things, but the things themselves, under the above restrictions, will be useless.

Similar analogies can be drawn with a bank card. It is not a "thing in itself". The card is only the very tip of the iceberg, which consists of many components (hardware and software) that allow all these endless bank payments (transactions) to pass. And the central link here is not a bank at all, but an international payment system (everyone knows Visa, MasterCard, etc.), which connects banks with each other and gives us the opportunity to pay anywhere in the world with money that is on our card accounts in a bank - issuer. And the key element of any card is not the name of the bank, but the logo of the payment system, without which any card would not make much sense.

Without such international systems, banks would be forced to build the entire payment system (payment infrastructure) on their own, negotiating with each outlet to install their own POS terminal and other equipment there. In this case, the cash desk would be littered with terminals of various banks, and the cost of the card would certainly increase significantly. If you get acquainted with the history of the map, you will see how it all began without computer technology, and what an expensive pleasure it was ...

A person cannot be its owner, since the card is part of the most complex payment infrastructure, and without this “piece of the iceberg” it becomes just a useless piece of plastic. That's when you break the agreement with the bank (in case the bank does not request your card back, which it has every right to do), then you become the owner of a piece of plastic, the use of which even on the go and cannot be found.

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