Is it possible to pay with a momentum card abroad. Sberbank Momentum instant card

Most often, the Sberbank Momentum R card is issued by new clients of a banking institution and those who wish to open an account urgently and free of charge. Today you can choose one of two instant issuance cards at Sberbank - from Maestro or Visa Electron. Plastic cards are issued on the same terms and differ only in payment systems, that is, discounts, special offers, promotions and other additional features.

To get a Momentum R instant issuance card, you need to:

• Visit a bank branch and provide a passport;
• Sign a universal agreement with a financial institution in order to combine your accounts into one system and be able to control them using Internet banking.

• Salary or pension cards;
• Deposits or contributions;
• Credit or current accounts opened with this financial institution.

• They allow you to cash out funds from a card account using ATMs or cash desks of Sberbank branches;
• Pay at the retail network;
• Pay for online purchases (if possible on the company's website);
• Transfer money to any accounts using the institution's cash desks, ATMs or online self-service services (Mobile Bank, Personal Account);
• Control and manage combined card accounts after connecting the Mobile Bank SMS service or registering in the Sberbank Online Personal Account.

• Through ATMs of Sberbank or any other financial institution (information about the balance is in the appropriate section).
• In the Personal Account. After authorization in the self-service system, you should select the desired card and view all account information.
• Using the SMS-service Mobile Banking. To number 900, you should send a message with the text BALANCE or RESIDUE (English spelling of words or transcription is allowed) or numbers 01.
• By calling the Contact Center. In this case, you can use the help of the automatic information service by pressing the number 2, or connect with a hotline consultant using 0.
• Visit the branch and find out the balance by the card account number from the employee.

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Sberbank Momentum card - what is it

The provision of debit credit cards is becoming more and more popular. Even pensioners who got acquainted with all the amenities, benefits and advantages of cashless payments began to use such services. Some clients are afraid of difficulties in obtaining such services that may arise with registration. To do this, banks develop specialized offers that are issued instantly. One of them is the Sberbank Momentum card, what it is, we will understand below.

Features of offers from the bank

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

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

The advantage of the offer is that it is issued on the day of application. In comparison with standard products, the conditions 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 payment for annual maintenance and release;
• 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 for accumulating gift points and purchasing new purchases at their expense;
• no commissions for withdrawal and replenishment of funds;
• transfers without commissions between Sberbank accounts.

The disadvantages of the proposal include:

• inability to use abroad;
• charging fees for withdrawing funds from other ATMs;
• low security in comparison with other similar proposals;
• solution of some issues only in the territorial bank;
• low cash withdrawal limits.

Credit and debit cards

The user is issued a Sberbank Momentum debit card in a couple of minutes after filling out the corresponding application, which is issued by bank employees. The advantage is that you only need your passport to complete the application. Immediately after this operation, the client receives an envelope with an account number and a PIN code. A card will be linked to the account number, which will be 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, utility bills and fines.

A credit card is issued also quickly. The interest rate is up to 20% and the credit limit is not more than 150 thousand rubles. Sberbank account holders are provided with a free annual service. The main requirements for a potential borrower are the age of 25-65 years, Russian citizenship, work experience of a year, provided that the citizen worked in one place for 6 months of them.

Terms of use of the Sberbank Momentum card

Before you receive a Momentum card from Sberbank, you should familiarize yourself with the terms of its use. After receiving the banking product, you can use it immediately, no separate activation is required for this. The owner must put funds on a debit card in order to pay for services or purchase items by bank transfer.

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

With regard to the use of a credit card, after each purchase, the available limit will be reduced by the amount written on the check. The debt can be repaid in any amount, which should not be less than the established limit. After the card is replenished, the limit will increase and it can be used again if necessary.

The process of replenishing an account is no different from using cards from other banks. You can replenish 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 in the Savings Bank;
• through a terminal or replenishment of the balance at an ATM.

Competitive features of a credit card include:

• free maintenance for 12 months and release;
• the ability to determine the credit limit depending on the amount of income of the cardholder;
• 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 (2016) year, Maestro Momentum Sberbank cards have been canceled; as an alternative, you can use free cards of Mastercard and Visa payment systems.

Product duration

The front side shows the expiration date of the product. From the time of its release, the validity period is one year, after which a replacement will be required. To change an unnamed card to a new one, you will not have to draw up a questionnaire again.

14 days before the end of its service life, a message arrives on the phone with a request to visit a bank branch and receive a ready-made card instead of the old one. A new card is made approximately 7 days before the deadline.

Card service

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

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

Instant money cards are functional and suitable for daily use. Their main advantage is free maintenance and release, convenience with a small financial turnover. If you need to get a more functional banking product that can be used outside the country and perform transactions with large amounts, it is better to use other offers from Sberbank.

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Sberbank Momentum cards

• Debit card - "Momentum" Visa and MasterCard
• Universal credit card - Visa and MasterCard Momentum cards

Available card transactions

Momentum cardholders have the opportunity to carry out the following banking operations:

• Withdrawal and acceptance of cash.
• Receipt of transfers, incl. from their cards of another level;
• Making payments online or at points of sale;
• Sending transfers to cards of any level issued by different institutions;
• Payment to institutions by details;

• Receiving money at a branch or ATM of Sberbank: free of charge;
• When exceeding the daily limit: 0.5%;
• Upon receipt through a branch of Sberbank belonging to another territorial body: 0.75%;
• Receipt at another organization (ATM): 1%;
• Acceptance of funds for crediting to the card account - free of charge;
• Acceptance of funds for crediting to a card account in another territorial bank - 1.25% of the amount, min 30 rubles, max 1000 rubles
• Sending money through another territorial division of Sberbank: 1.25%;
• Cashless transactions at retail points of sale: free of charge.

1. Contact any branch of Sberbank.
2. Present an identity document.
3. Will sign the necessary documents.

1. Sberbank Online - You can transfer money from card to card in the Internet bank and mobile application
2. Mobile bank - Top up the card with one SMS command to number 900
3. Self-service devices - Transfer money to a card at an ATM or terminal.

The appearance of the Visa and MasterCard Momentum Sberbank credit cards also looks slightly different from the standard ones:

A Momentum credit card can only be issued if there is a personal offer previously approved by the bank, provided that the client:

• Receives a salary or pension on a Sberbank card;
• Uses a Sberbank debit card;
• Has deposits in Sberbank;
• Arranged a consumer loan.

• For the issuance of cash through a cash desk or ATM of Sberbank / a subsidiary bank - 3% of the amount, but not less than 390 rubles.
• For the issuance of cash through a cash desk or an ATM in other credit institutions - 4% of the amount, but not less than 390 rubles.
• Carrying out non-cash transactions for servicing cards at trade and / or service enterprises - no commission.

Sberbank claims that if a client issues a Sberbank Momentum card, this will make his life easier and more convenient. And in some part this is true.

The Momentum card is a universal card of Sberbank, which is issued at the request of the client within a few minutes and is intended for transactions in the territory of the Russian Federation, on the Internet and abroad.

Sberbank issues two types of cards:

• Debit card - "Momentum" Visa and MasterCard
• Universal credit card - Visa and MasterCard Momentum cards

1. Debit cards "Momentum" of Sberbank

Sberbank debit card Momentum

So, on the instant card there is no information about its holder, that is, the Last Name and First Name of the client are not indicated, instead, an entry is made on the card - MOMENTUM, which, as it were, emphasizes its instant status.

And the rest of the card is standard, which is marked on the card - STANDARD. The card number and expiry date (expiry date) required for making online payments are located in the usual place.

Standard (from the English standard - norm, sample) in the broad sense of the word - a sample, standard, model, taken as initial for comparing other similar objects with them.

• Withdrawal and acceptance of cash.
• Receipt of transfers, incl. from their cards of another level;
• Making payments online or at points of sale;
• Sending transfers to cards of any level issued by different institutions;
• Payment to institutions by details;

• Receiving money at a branch or ATM of Sberbank: free of charge;
• When exceeding the daily limit: 0.5%;
• Upon receipt through a branch of Sberbank belonging to another territorial body: 0.75%;
• Receipt at another organization (ATM): 1%;
• Acceptance of funds for crediting to the card account - free of charge;
• Acceptance of funds for crediting to a card account in another territorial bank - 1.25% of the amount, min 30 rubles, max 1000 rubles
• Sending money through another territorial division of Sberbank: 1.25%;
• Cashless transactions at retail points of sale: free of charge.

You can issue a Momentum card, provided that the client takes several steps:

1. Contact any branch of Sberbank.
2. Present an identity document.
3. Will sign the necessary documents.

You can top up your Momentum debit card through:

1. Sberbank Online - You can transfer money from card to card in the Internet bank and mobile application
2. Mobile bank - Top up the card with one SMS command to number 900
3. Self-service devices - Transfer money to a card at an ATM or terminal.

2. Visa and MasterCard Momentum credit cards

The appearance of the Visa and MasterCard Momentum Sberbank credit cards also looks slightly different from the standard ones:

Credit card Sberbank Momentum

There is no information about its holder on the card, that is, the Last Name and First Name of the client are not indicated, instead, an entry is made on the card - CREDIT MOMENTUM, which, as it were, emphasizes its instant credit status.

A Momentum credit card can only be issued if there is a personal offer previously approved by the bank, provided that the client:

• Receives a salary or pension on a Sberbank card;
• Uses a Sberbank debit card;
• Has deposits in Sberbank;
• Arranged a consumer loan.

Fees for transactions with the Momentum credit card:

• For the issuance of cash through a cash desk or ATM of Sberbank / a subsidiary bank - 3% of the amount, but not less than 390 rubles.
• For the issuance of cash through a cash desk or an ATM in other credit institutions - 4% of the amount, but not less than 390 rubles.
• Carrying out non-cash transactions for servicing cards at trade and / or service enterprises - no commission.

Conditions for issuing Momentum cards

Limits on Momentum cards of Sberbank

Sberbank of Russia has set the following limits for transactions with Momentum cards:

Sberbank’s very popular debit instant card (instant issuance card) in Russia is an entry-level card and is issued under the trademark of well-known international payment systems Visa Electron / Mastercard Maestro. Although there is enough information on it (for example, on the Sberbank website), nevertheless, many questions arise about the conditions for its use and tariffs. There are also a number of issues that are poorly covered by the bank, which can often be found on the Internet. In this review, we will try to provide data that maximally covers all the possibilities of the card: its advantages and limitations. Despite the fact that since May 1, 2016 cards are no longer issued, they were replaced by Mastercard Standart / Visa Classic Momentum, the tariffs have not undergone significant changes. We will also talk about some of the differences in the review.

Main advantages and disadvantages

The main pros and cons are listed below, and then we will touch on them in more detail.

Advantages:

• free registration and maintenance during the validity period (3 years). Sberbank, by the way, has a lot, we advise you to get to know them;
• this is an instant card that can be obtained and serviced in a wide network of branches (more than 19 thousand);
• the presence of a chip - an increased level of security in the calculations (there are still many cards with a magnetic stripe in circulation);
• the ability to pay for goods / services on the Internet (the presence of an authentication code), including payment without commission of taxes and utility bills;
• bonus program (discounts for accumulated points);
• free connection to the remote services "Mobile Bank" and "Sberbank Online" (you can see not only the card account, but also other accounts, for example, a passbook);
• free transfers (!) between own and other people's cards within the territorial bank;
• withdrawal of money without commission and free replenishment of a bank card at the cash desks and ATMs of the territorial bank where the card was issued (for purchases, the commission is 0 rubles everywhere).

Flaws:

• use only on the territory of the Russian Federation (only for cards with a magnetic strip, if you have a chip, you can use it abroad);
• the ability to withdraw funds only (!) at Sberbank ATMs;
• rigid binding for some operations to the territorial bank where the plastic card account is opened;
• limits (restriction on withdrawals).

Attention! The only important difference between the new Mastercard Standart / Visa Classic Momentum is that these are real international cards without territorial restrictions - you can use them to withdraw money at any ATM in the world. Just don't forget about commissions. Thus, Sberbank instants have become even better!

How to get a Sberbank Momentum Visa Electron / Maestro card

A card can be obtained from the age of 14 with a passport at (almost) any branch of Sberbank, widely represented throughout the country - on the day of application (if you are lucky and there are no queues, the registration procedure will take 10-15 minutes).

Non-personalized / non-named card, with a chip (since 2013) and with a secret CVV2 / CVC2 authentication code on board (new copies, which means that payments on the Internet are available), Visa Electron or Maestro payment category (in principle, there is no particular difference under which brand: Visa Electron or Maestro, it will be released, but there are some differences related to the work of Visa and Mastercard payment systems and a number of other nuances).

Insert it into an ATM, enter (this is how it is activated) and start using it.

They can issue a card in addition to the loan taken in the currency in which the latter is issued (rubles, dollars or euros) or to the "Universal" deposit.

Sberbank Momentum is not issued if the person has other international bank cards.

Sometimes it can be difficult to get it. Judging by the reviews and conclusions of bank customers, the possible reasons for this are:

• corny out of stock (less often);
• unwillingness to issue free cards in favor of copies with paid service - according to the unspoken instructions of the authorities or "due to the fight against fraud" (more often, see this review)

But there are no formal restrictions, and, moreover, according to representatives of the bank, any citizen of the Russian Federation can issue one Momentum card at each territorial bank of Sberbank throughout Russia (there are 16 in total). If they don’t give it, write a claim or demand a manager. branch, then everything can be decided in your favor. In online reviews, they literally calculate the addresses of those branches that are most loyal to customers in terms of receiving instant messages.

If you want to close the plastic, then pay attention to the article, and after the end of the action, it is not necessary to hand it over to the bank.

Terms and rates. How to use Momentum Sberbank Maestro / Visa Electron

Sberbank Momentum is good for transfers and cash withdrawals (cashing out). Transfer between your cards (accounts) is always free. Transfer to (from) the card (s) of another person will be with a zero commission if both cards are opened in the same branch (or a city with several branches - not to be confused with a territorial bank!).

When transferring from another territorial bank (TB) or city (branch), the sender (holder of any debit card) will be charged 1% (maximum 1000 rubles), everything is free for the recipient.

Within TB - free of charge, from another TB: commission 0.75%.

The limit for withdrawing money from an ATM is 50 thousand rubles, but do not forget that another 50 thousand can be withdrawn at the cash desk without a commission (total 100 thousand). To withdraw larger amounts, you can open a passbook (or open a Universal deposit in the Sberbank Online Internet banking) and transfer funds there - withdrawals are practically unlimited.

There is a limit on plastic payments per day - 100 thousand rubles (it will not be enough, but this is an entry-level card).

Rubles are withdrawn free of charge only at ATMs of their own TB, a commission of 0.75% will be charged on the territory of another TB.

The scope of the free Sberbank Momentum card is extensive: payment for goods and services, with bonuses for this (Thank you); managing all your accounts and the possibility of online operations in the Internet bank (opening deposits and transferring funds there so as not to “shine” them on the card account for security reasons); convenient payment of various payments without commissions throughout the Russian Federation; exchange of banknotes (from large to small and vice versa); a lot of outlets with POS-terminals from Sber (where the bank acts as an acquirer), and the bank is more loyal to its products. That is, many bonuses are free, but with certain restrictions.

Additionally: free of charge, regular and early reissue (in case of loss) without a commission, however, it is possible to run into a technical overdraft (a fine of 40% per annum), judging by the reviews, although it is not provided for by the card.

Paid additional services on a free card

When applying for a card, you can activate the SMS notification service, which is free for the first 2 months, but then you have to pay 30 rubles per month. The service is disabled by switching from the “full package” of the mobile bank to the “economical package” or automatically when there are no funds on the account (it will turn on as soon as they appear).

Employees may well impose insurance (or issue a card only with it) - we refuse on the spot.

For a fee (15 rubles), you can get a statement for the last 10 transactions at an ATM, but it's better to do it for free in the Internet bank.

What to look out for - restrictions

If you have a card with a chip (they have been issued since 2013), then you can pay with it abroad (but not withdraw cash!), An instant card with a magnetic stripe (and there are plenty of them) is valid only in Russia (these restrictions do not apply to newly issued cards - see above).

You can replace Momentum plastic from Sberbank in any branch of the bank only in the territorial bank where it was issued (if they give it and do not send it) within 24 hours.

Often in the reviews on Momentum cards of Sberbank Maestro / Visa-electron there is a situation when a person in another city cannot withdraw funds from a card that has expired - the support service recommends driving to your TB (at the place of account maintenance) and writing an application to reissue.

In this case, the recommendations are as follows: open an international classic (any personalized) card at the place of your stay; write an application for closing a card account with the transfer of funds to a newly opened one and after 45 days receive your hard-earned money.

Not everywhere you can pay and it is not always possible to make a transfer - see below about this.

Differences between Sberbank - Visa Electron Momentum and Maestro Momentum

Momentum Maestro (MM) works fine on the Internet, but not always. The main nuance is that it does not consist of 16 characters, but of 18, and on the Internet, not every form of payment can skip this. Where the processing center of Sberbank is used, there will be no problems. Visa Electron (VE) does not have this problem (16-digit number).

Again, Maestro (with a chip) must work on the Internet using 3-D Secure technology (according to the requirements of the payment system), but, unfortunately, not all sellers accept them for payment. According to Visa Electron Momentum, there is little chip information on this subject, but it is reliably known that for cards with a magnetic strip, if there is equipment from another bank (POS terminal) at the point of sale, the payment will not work (they are also called undercards).

Additionally, it is worth noting that Visa has a high percentage of cross-border transactions (when paid in another currency) and it is not profitable for it to pay in Europe, because. first, rubles will be converted into dollars, and only then into euros. On the contrary, Maestro has a direct conversion into Euro. When buying or traveling to America, VE will be preferable, but I think that such people will still have cards of a higher level.

conclusions

To summarize, MM and VE cards from Sberbank are of limited use, because. there is no guarantee that they will be accepted in every store and that your transfer will pass. But let's see what the situation will be with new chip cards in the coming years - maybe everything will change for the better. In any case, they perform their tasks (see benefits) for their money, and, of course, it makes sense to get them - it's free!

Surely the holder of any plastic knows that in order to get a card it is not enough just to come to the bank office and leave an application. She still has to wait. After all, it takes time to make a product. Usually this procedure takes no more than a week. As a result, the client will have a personalized card in his hands. She endows the owner with opportunities appropriate to her status.

At the same time, not everyone knows the fact that many banking institutions have ready-made plastic cards, which are called “instant” cards. And Sberbank is no exception. As practice shows, employees of the institution are reluctant to sell this type of product, or do not mention it at all. So what is the Momentum card from Sberbank, how can you use it, and what are its pros and cons. All this will be discussed in this article.

The card from Sberbank "Momentum" is an instant issue product. The client can receive it immediately after signing the necessary papers. Momentum can be either a credit card or a debit card. However, the card has the following characteristics:

1. It does not contain the surname and name of the holder;
2. There is a card number;
3. There is information about the expiration date;
4. CVC code provided. In another way, it is called a security code. It is mainly used for online payments.

As you can see, the card, in principle, is endowed with all the necessary attributes. A distinctive feature of the product is not only the absence of information about the owner, but also the fact that it is issued and maintained absolutely free of charge. Along with everyone else, with the help of Momentum, you can easily pay for goods and services, deposit and withdraw money from it. As for the credit card. In terms of its capabilities, it practically does not differ from the rest. Although there are still some limitations. But we will talk about them a little later.

Sberbank produces the following types of Momentum:

• Visa Classic «Momentum»;
• MasterCard Standard Momentum.

Having such a card in hand, the client can carry out the following banking operations:

• Receive and make transfers, both between your cards and to the cards of other users;
• Make transfers to cards of various levels, including those issued by a third-party credit institution;
• Make payments according to details in favor of legal entities;
• Make payments at points of sale for goods and services;
• Make online payments;
• Deposit funds;
• Withdraw cash.

It should be noted that for the convenience of users, remote control services can be connected to the card. These are Mobile Banking and Internet banking. With their help, the holder will always have up-to-date information on the card, and perform the necessary operations without visiting the bank office.

In addition, to the map Momentum"It is possible to connect the bonus program" Thank you from Sberbank ". This program is widely used by cardholders. When this service is activated, points for non-cash payments will be credited to the client’s account, both in sales currents and for online payments in partner stores. With these points, the client can later pay for purchases.

Thus, the Momentum card from Sberbank has almost all the available features. Naturally, it, like any other, has its own limits and tariffs. This will be discussed below.

Tariffs and limits of the Momentum card

Taking into account the fact that "Momentum" is not a named card, it should be noted that its limits, compared to the same "Classic", are much lower. More details about this information can be found in the table:

As for the Momentum credit card, according to this type, the following values ​​\u200b\u200bare added to all others:

It is worth noting that, despite the fact that a Momentum credit card is issued as quickly as a debit card, the bank has certain requirements for obtaining it. You can find out in detail about the existing limits, restrictions and requirements by calling the Sberbank hotline phone number, or visit the official website of the institution.

Pros and cons of an instant card from Sberbank

Before issuing an instant card, each user should once again carefully study all the positive and negative aspects of this product. Having complete information will help to avoid unforeseen situations in the future.

So, the pros and cons of the Momentum card from Sberbank include:

Advantages

Flaws

The card is in the hands of the user within 10 minutes Service and maintenance of the card is completely free Many credit card holders note that, compared to similar products of Sberbank, Momentum has a moderate interest rate and a longer grace period. The card participates in various bonus programs, both from the bank itself, and from VISA and Mastercard. Availability of mobile banking, SMS informing and Internet banking Many card transactions are made without paying additional fees.

Transfer of wages to the card is not possible. This circumstance upsets customers, because sometimes large commissions are taken for the annual maintenance of a salary card. Many organizations and enterprises do not transfer payments to a depersonalized card. Many holders note that the lack of binding to a specific name reduces the security of making payments. Once the card is blocked, it cannot be unblocked again. For further use of the product, you will have to contact the bank office and get a new one. Low withdrawal limit. Many Sberbank branches may not issue such cards. It is not clear what this is connected with. Some refer to the lack of a product, others to the lack of specialists who can work with them.

As can be seen from the information provided, the Momentum card is suitable for a person who does not want to spend either time or money on additional “card opportunities”. Moreover, the amount of money that he can have is no more than 50,000 rubles per day, or 100,000 rubles. per month.

How to get a Sberbank Momentum card

Since the Momentum card does not contain information about the owner and is considered "impersonal", the bank sets the minimum requirements for obtaining this product. These include:

• The presence of citizenship of the Russian Federation;
• The presence of a permanent or temporary residence permit on the territory of the Russian Federation;
• Age of the holder from 14 years;

Naturally, for a credit card option, the requirements for the client will be slightly higher. For example, the age of the holder must already be from 21 to 65 years old, etc.

However, in order to receive a card, it is enough to come to the bank's office, show an identity document and sign the required package of documents. The whole procedure can take a maximum of 15 minutes.

As noted earlier, many bank branches are reluctant to work with such a product. But for the client there is always the opportunity to apply online. In this case, all that needs to be done is to come to the branch and pick up the finished product.

Do not forget that the Momentum card is less secure than other analogues. Therefore, when using, additional safety measures should always be observed. For example, you should not tell anyone your PIN code, always turn off the phone screen when working with a mobile application, and, if necessary, block it in time. The same rules apply when working in your Sberbank Online personal account. It is always necessary to press the "Exit" button if you need to move away from the computer screen.

In conclusion, I would like to note that the Momentum card from Sberbank is quite suitable for the average Russian. It is indispensable for daily spending and shopping. However, to make, for example, large transactions, it would be advisable to consider another product.

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

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

What is an unnamed instant card from Sberbank today?

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

As of January 2018, Sberbank Momentum credit cards are not issued.

Who can get an instant card from Sberbank?

Become the owner of an unnamed Momentum today may be any citizen of the Russian Federation whose age has reached fourteen years. That is, of all the necessary documents to obtain a card, only a passport is needed.

The term of production and receipt of this card is also its main advantage. You will receive an unnamed card instantly. After you come to the Savings Bank and conclude a banking service agreement with this credit institution, you will immediately be given your card. From now on, you can use it with full functionality.

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

What are the advantages of the momentum card from Sberbank?

We have compiled the latest information on the merits of an instant no-name card as of January 2018. Of course, compared to other cards, there are not so many of them. But you can be sure that this card's limited benefits are more than offset by its maintenance cost. She, of course, is the undisputed leader in saving your money for such a service of a credit organization as non-cash payments.

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

The benefits are clear. And what are the disadvantages of the Momentum card?

The cons are not so easy. Sberbank is constantly improving its products, so from the minuses remained small transaction limits that you make using a non-named momentum card. And you will also need to resolve emerging issues only in the department where you received your card. Although it can be called a minus with a stretch. Because even if we assume a situation in which you need to contact a credit institution, it will most likely be its reissue. Therefore, we will give you a life hack on how not to go to the savings bank to change the card. Read about it at the end of this article.

Since 2018, with an instant unnamed Momentum card from Sberbank, you can make payments and purchases abroad. This was made possible thanks to the chip that the card is equipped with. If your card has such a chip, don't worry and take it abroad.

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

Undoubtedly. Let's say even more, each card in any bank has limits on transactions. Let's look at them in more detail.

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

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

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

And if there is no Sberbank nearby? How much can I withdraw money through the cash desk of another bank?

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

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

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

Today, the areas of application of this card are almost limitless. Here are the main directions of its use:

• Withdrawal and replenishment of cash;
• Payment for purchases in stores;
• Internet shopping;
• Use of additional services of Sberbank. These include the Piggy bank from Sberbank service;
• Collect "Thank you from Sberbank" bonuses and pay with them in partner stores;
• Purchase precious metals through a mobile application;
• Pay state duty and taxes through Sberbank Online on a computer without leaving home;
• Send money transfers without commission via SMS to number 900.

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

What are the tariffs of Sberbank on the Momentum card?

We should not forget that Sberbank is a credit institution, and therefore it earns on its services, which it provides to customers. Karat Momentum is no exception.

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

The Sberbank ATM deducted money from me when I withdrew cash within the limits. Why?

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

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

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

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

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

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

We made a short video about this unnamed debit card. Enjoy watching.