Maestro does not give momentum. Momentum card from Sberbank: conditions for obtaining, tariffs, benefits

Today, Sberbank offers customers a wide range of banking plastic cards. Each account holder has the right to choose for himself the most suitable option based on your own needs. One of the simple banking products that have become widespread is a Maestro Momentum plastic card from Sberbank. Plastic refers to entry-level debit cards and has its advantages and disadvantages.

The Maestro Momentum card issued by Sberbank is considered popular free card and has a lot of possibilities and features. Its main advantages are:

opening accounts not only in rubles, but also in monetary units other countries;
with its help pay bills and transfer money;
carry out payment transactions for the purchase of goods and services in outlets and on websites;
replenishment and balance management in various ways, including remotely;
connect to the bank's promotional offers (for example, "Thank you" from Sberbank);
set up auto payments public utilities, credit debt, replenishment of the account for a mobile phone, traffic police fines;
the speed of the registration procedure;
no service charge;
card valid for 3 years.

Some restrictions

When choosing a free debit card it is important to know its shortcomings. For plastic Maestro Momentum (Sberbank), a number of restrictions are set. An incomplete package of card features is due to its category. It belongs to the simplest products of the bank and is not personalized (that is, the name and surname of the owner are not indicated on the plastic).

Important. The main drawback of the card is the impossibility of its recovery. This means that if it is lost or stolen, it cannot be restored. Under these circumstances, the bank client is advised to block the account and then open a new one with the issuance of the appropriate product. The same thing happens if, for some reason, the PIN code is lost.

There are also some other disadvantages, which are expressed in the following:

it is impossible to issue another card of the same initial level in parallel;
no possibility to get cash Money by card outside the country, even in foreign branches of Sberbank;
receiving cash through ATMs of other financial institutions unavailable;
cannot be credited wages on the map;
there is a restriction in paying for goods and services on the Internet (not all online stores can pay with a non-personalized card);
limits and commissions.

Withdrawal limit and commission

Like many other plastic cards, Maestro Momentum has a withdrawal limit.

The maximum that can be received within 30 days is 100,000 rubles, and the maximum of one banking day is 50,000 rubles. Restrictions on the withdrawal of banknotes of other states are within the same limits, taking into account the conversion at the current rate.

Exist established by the bank limit on transfers, payments and other transfers. The largest amount that can be transferred from the card within one banking day is the amount of 100,000 rubles. Crediting to the card is also limited to 10 million per day.

When conducting financial transactions Card fees may apply:

0.5 percent of the amount if the requested amount exceeds the established limit;
0.75 percent of the amount if the money is withdrawn from another territorial bank branch.

Internet payment features

According to consumers, payment for online orders is a popular type of service, for which many customers issue plastic cards. However, not all online stores allow you to pay for your goods with entry-level cards, such as the Momentum card. This is due to the relatively low level of protection of the card. Often, to carry out the payment procedure, it is necessary to have a card authentication code (CVV or CVC), which is not available on Sberbank cards of the first level. However, this does not mean that such a protective verification code no in principle. It does not exist only on plastic, but there is such data in the bank itself. To find out, call the contact center or find out information at a bank branch.

Important. Payment for online orders through the international PayPal service is also not possible with a card of this level. However, the withdrawal of funds through WebMoney system available.

Money transactions through Sberbank-online

Money transfers through the Sberbank-online service using the Momentum card are made as follows:

after entering the identifiers, enter your personal online account;
select the column of transfers and payments;
then a section is selected where and to whom to transfer;
data is filled in the presented templates;
the parameters of the name, amount, purpose are entered;
the operation is confirmed using a code sent via SMS;
funds are withdrawn.

How to get a Momentum card

When issuing a card, there are no special requirements for the recipient. The only condition for obtaining - the age of the client must be from 14 years. They issue a card only at the bank branch, where they come with a passport. Service remote clearance cards are not yet available.

A pleasant feature of the procedure for issuing a card, of course, is the speed of its receipt, unlike other Sberbank products. The card can be obtained on the day of application. After submitting the application, an agreement is concluded, after which a card is issued within a few minutes.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and others major cities the card will be ready in 2-3 business days, in the regions, production and delivery will take from 3 to 10 business days. For delivery to remote settlements may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the "Cards" section.

What documents are required to obtain a card?

To pick up the card, please bring your passport or other document that was used to apply for the card. To get a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the Thank You from Sberbank program. The easiest way to register is to send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register in the program in your Sberbank Online personal account and at a Sberbank ATM - find the "Thank you from Sberbank" section and follow the prompts.

Bonuses are credited automatically when paying by card - their number depends on the privilege level.

It should be remembered that bonuses are accrued only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when paying for purchases remotely in online stores, bonus points are credited to the account Thank you.

How can I use THANKS bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners, complete list partners is available. In addition, SPASIBO bonuses can be exchanged for a discount when buying air tickets and hotel accommodation (on the Thank you from Sberbank. Travel website). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site "Thank you from Sberbank, Impressions".

How can I find out my card details?

For details, in mobile application Sberbank Online search desired card and click "Show Details".

Another way: in your Sberbank Online personal account, go to the "Cards" section and find the card you need, then "Card information" → "Details of transfer to the card account."

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to scammers. Making purchases without presenting a card and entering a PIN code is much safer, since no one sees the card details. Besides, contactless technology protects against double write-offs- after paying for the purchase, the terminal beeps and turns off automatically.

Important: in this moment the bank DOES NOT issue this type of cards, the product is discontinued.

Instant issuance cards are popular among Russians. Today, the issuance of primary cards of Sberbank Momentum R has been suspended, but the bank offers other non-registered analogues. Let us consider in detail the features of instant issuance cards.

The popularity of primary plastics is determined by their advantages: free service, speed of registration, ready-made offers (for credit cards) for bank customers. Often, these factors are decisive when a client urgently needs to open a card account, for which there is no desire to spend extra money.

Until recently, there were two offers for the Momentum R card at Sberbank: Visa Electron and Maestro. The conditions and procedure for issuing products are the same. The only difference is in the payment system. The latter also offer a number of opportunities for their customers: discounts, promotions, Special offers which any holder is entitled to use.

The absence of fees and the speed of issuance are the main reasons for the popularity of instant cards

The process of issuing cards takes place only in the department, taking into account the following principles:

Having only a passport.
The conclusion of the UDBO agreement, which unites all the client's accounts and provides more opportunities for their control and performance of certain operations.
Payments, commissions are not charged.
The card is issued immediately after signing the contract (maximum procedure takes 30 minutes).
There is no online application process.

Features of unnamed cards

The Sberbank Momentum R Maestro and Visa Electron credit card also provides for the speed of issuance. The client can count on a limit of up to 120 thousand rubles and an interest-free repayment period of 50 days. If you do not invest in this period, interest rate will be 25.9%.

For approval, you will not need to confirm income, but you should enlist documentary evidence of your employment and a certain level of experience (one year for the previous 5 years). It is also necessary to be registered in this region.

Requirements for the client to issue a card

You should know what to get at Sberbank Momentum card credit type much easier if the client meets one of these conditions:

Availability of a salary card.
Transfer of pension to an account in Sberbank (card).
The presence of a deposit in this banking institution.
Existing debit account or credit.

If a citizen is already a bank client in any direction, he is usually made an individual offer regarding plastic. To find out if such an offer has been developed, you can use an ATM. Performing any action (cash withdrawal, transfer, payment, balance check), the client will be provided with information about unique banking offers. You can also call Contact Center or ask a member of staff in the office.

Key Features of the Instant Card

The difference is appearance cards: the name of the owner is not indicated on it. There is also no CVV or CVC code. Other required elements are displayed on it: number, expiry date, bank logo, type payment system, security chip.

In addition to external differences, there are several restrictions for Momentum R. It is not always possible to pay for purchases on the Internet with a Sberbank card. It depends directly on the site or online store. Companies rarely provide an opportunity to pay with non-named cards due to their lower degree of security. Also, the card will be practically useless abroad.

Several additional functions are provided for card products

But in addition to the listed shortcomings, plastic meets the basic conditions of international-type plastics:

Possibility of cash withdrawal: through the operating cash desk in the branch or ATM.
Pay for goods in retail stores.
Pay for services or products through an ATM, Internet services.
Make a transfer at the bank office or independently through remote resources (Internet or mobile banking).
The ability to connect mobile and Internet banking to control your accounts, online transfers, use services and apply for certain products.

Additional features of Momentum cards

In order to find out the balance using Momentum R (Sberbank card), the client has several options:

ATM: select the appropriate section.
Online Sberbank: in your menu you can see all cards and accounts indicating the balance of funds and the main parameters of the account.
Mobile bank: send SMS with the numbers 01 or with the word BALANCE (RESIDUE, OSTATOK, BALANS or BALANCE) and after a space 4 the last digits from the card number. Accepts command number 900.
Call the Contact Center of the bank. Press 2 to get acquainted with the conditions of remote control (including to clarify the balance) or 0 to talk with an employee who can find out the balance from his details.
At the branch by card number.

Terms of the card product

It is possible to set up Autopayment for paying for housing and communal services on the Internet, your loans in other institutions, replenishing your own or someone else's mobile phone etc. The service is convenient for systematic payments and operates automatically. The bank itself clarifies with the companies the debt of the client and offers to make payment. Money is transferred to the phone when the balance reaches minimum size set by the client. You can make settings and disable them through any remote services, by phone or in a branch.

The Maestro Momentum card of Sberbank belongs to the category of the simplest types of plastic cards. It is non-named (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 get a Maestro Momentum card from Sberbank only if personal visit bank branch. characteristic feature of this card is that it belongs to the type of unnamed cards and is issued instantly. In the case of ordinary cards (classic, premium, gold), you must wait up to 14 days to receive them.
Often, this factor is decisive when choosing a card.

In order to receive a Maestro Momentum card, it is necessary to draw up and sign a banking service agreement.

That is why personal presence is necessary. At the same time, you should not worry about any special requirements. The only condition is that the age of the future holder of this card must be at least 14 years old.

In general, the procedure is as follows:

The application is submitted to the bank branch.
A passport is presented.
UDBO ends.
A card is issued.

Features of the Maestro Momentum card of Sberbank

The card has the following options:

an account can be opened in any currency (euro, dollars, rubles, etc.);
the current validity period is 3 years;
you can pay for services or purchases;
if Sberbank Online is connected or mobile bank, you can transfer funds, replenish 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 allowed to set up periodic auto payments as payment for housing and communal services, replenishment of a telephone bill, payment credit debt, traffic police fines, etc.;
the ability to connect the program "Thank you";
you can use the available services from MasterCard.

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

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

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

Maestro Momentum Card Restrictions

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 new map any format. This also applies to changes in the personal data of the customer. That is, when the name of the cardholder changes, it will not be possible to replace it. The current account will have to be closed and a new one opened.

The only time you can reissue this card is when it expires.

Withdrawing money from the Momentum card abroad

Due to the peculiarities of this type of cards, there may be difficulties in withdrawing money and paying in stores abroad. In more detail -.

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:

withdrawal from the account of funds for one month should not exceed 100,000 rubles. By the same principle, the currency is withdrawn, taking into account the current exchange rate;
withdrawal of money in one day cannot exceed 50,000 rubles;
in one day from the card it is impossible to transfer, transfer or pay for the service in an amount exceeding 100,000 rubles.

When Mobile Banking is connected, for certain types operations provided for the withdrawal of fees:

to clarify information about the latest transactions performed on the card by obtaining an ATM statement, the cardholder 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 the e-mail address comes free of charge;
it is not possible to obtain the necessary information through the services of other financial institutions.

Transfer from an unnamed card

You can replenish the Maestro Momentum debit card from Sberbank in different ways: through an ATM or bank cash desk, by transfer from another account or bank, etc.

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

through the cash desk of the bank - nothing is withdrawn;
through the cashier, provided that the daily limit was exceeded - 0.5%;
through the involvement of another territorial bank - 0.75%;
transactions are not carried out through other banks.

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

It is possible to receive money on the card. And the transfer is 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 name the card number and details of the recipient.

Transfer via Sberbank Online

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

Entering the identifier and code is carried out from the Sberbank Online Personal Account.
From the header of the main menu, select "Transfers and payments".
Select a section from the list: a Sberbank client, between your cards, an organization or a person in another bank.
Enter bank data into the template: TIN, account numbers, BIC.
Click "Continue".
Enter in addition the name, amount, purpose.
Click "Continue".
Confirm consent to the transfer with the code from the received SMS.
The operation will take place.

The Maestro Momentum Sberbank card is very simple to design, free to maintain, so its shortcomings seem very insignificant.

Sberbank is rightfully considered the leader Russian market, and this is no coincidence. The largest in the country financial institution offers its clients a wide range of services - from the possibility of opening an account for an organization or individual to online brokerage services. The Bank issues a large number of different types means of payment.

Beneficial benefits for private customers are provided by the Momentum debit card. Getting a card is very easy: it is an unnamed entry-level plastic. The product is fast in processing and performs all the basic functions of a debit card. At the same time, the proposal has a number of limitations. What? Consider in the article.

Benefits of the Momentum Card

Debit card Momentum from Sberbank has a number of undeniable advantages. The main one is simplicity and speed of registration. Bank employees will issue plastic to the client immediately after signing the contract. To apply for a card, it is enough to present only a passport, and the whole procedure will take no more than half an hour.

In addition, you will not have to pay for the issuance of this type of means of payment. There will be no deductible from the customer and annual maintenance. You can issue a debit card not only in rubles, but also in foreign currency - in dollars or euros. At the same time, it will retain all its benefits, and the terms of use will remain unchanged.

There are two types of Momentum card: Visa, MasterCard. Everything is implemented in the product basic functions payment systems.

With the help of the card, you can carry out all the main banking operations:

Transferring money to other cards of Sberbank and other banks.
Making payments via the Internet or ATM.
Payment for services according to the details of the company.
Cashless payment in retail outlets.
Cash withdrawal from ATMs and bank branches.

The Momentum debit card from Sberbank allows you to control all transactions remotely: through Personal Area on the website or using Mobile Banking. Using this type of payment instrument, you can carry out any transaction.

The most popular transactions among Momentum holders today are:

Payment for utility services.
Payment mobile communications and Internet service providers.
Shopping online.

All the types of payments listed above can be easily made with a Momentum card via the Internet. The main thing is to have enough funds in the account. The capabilities of the Sberbank Online system also provide for the creation of special templates for making regular payments to the details of the same recipient. This feature is also available to Momentum cardholders and greatly simplifies the process of transferring funds.

The card use agreement also provides for the possibility of connecting the account to the Thank You bonus program. In this case, when making a cashless payment in stores, the participant bonus program special points are awarded. The size of the bonus can be from 1% to 30% of the amount of each purchase.

In the case when the product is purchased from program partners, the accrued amount bonus points can be up to 20% of the purchase price. You can spend the accumulated points in stores that support the Thank You program from Sberbank. Moreover, bonuses can pay up to 99% of the value of the goods. As you can see, the offer is more than attractive.

Card Disadvantages

The unnamed Sberbank Momentum card is a basic banking product and has incomplete functionality. This means that there are a number of limitations in its use. Let's list them:

You cannot receive wages on such a card.
Making a Momentum debit account does not provide for linking several cards. In this case, the principle applies: one account - one card.
Some popular online trading platforms do not accept payment from unnamed cards. This is justified by the fact that such plastic has a lower degree of protection compared to other means of payment.
After the expiration of the card (3 years), it will not be possible to renew it. The holder will have to close the account and, if desired, issue plastic of this format again.
If the card is lost, it will not be possible to reissue it. You will have to block the card and close the account. The rest of the funds on it will have to be collected in cash at the cash desk of Sberbank. If necessary, of course, it will be possible to get a new Momentum card. The conditions for it will be the same, but the account number will not be saved.
A relatively small limit on monthly and daily transactions. So, for example, you can withdraw no more than 50,000 rubles through an ATM per day.
Inability to cash out funds in subsidiaries of Sberbank located abroad.
Some operations become impossible outside of Russia.

As you can see, the Momentum card has many limitations, but if they are insignificant for the consumer, then this banking product can be a convenient and effective means of payment.

Terms and tariffs on the card

Like any banking product, Momentum has its own terms of use and tariffs for certain transactions. For a day, the owner of such plastic can cash out no more than 50,000 rubles. The monthly limit is set at 100,000 rubles. By non-cash payment per day, you can conduct transactions for an amount not exceeding 100,000 rubles. Up to 10 million rubles can be credited to the card account per day.

The commissions for the issuance of funds for Momentum holders are as follows:

You can cash out the required amount without commission at an ATM of Sberbank. But on condition that the withdrawn funds do not exceed the established maximum. For overspending the limit, a fee of 0.5% of the withdrawal amount will be charged.
For conducting a transaction in another territorial bank or in a subsidiary credit institution a commission of 0.75% of the amount will be charged.
For cashing out in a third-party bank, you will have to pay 1% of the withdrawn amount, but not less than 150 rubles.
Transferring money between Sberbank cards is carried out without commission, provided that the means of payment belong to one territorial bank. Otherwise, a 1% fee will be charged.
Replenishment of the card account, as well as all other non-cash transactions are made without charging commission interest.

When opening an account in dollars or euros, the terms of use and fees will remain the same as for a ruble account. All commissions and interest will be charged according to the current exchange rate.

Some additional information services for Momentum holders may also be paid. For example, you will have to pay 15 rubles to receive a statement on the movement of funds on an account through an ATM. In this case, the information provided will concern only the last ten transactions.

If the client needs a full report, then it will be provided free of charge at the bank branch. If you can’t personally come to the bank, then you will have to pay 150 rubles for sending the document by mail. For your information, the same statements can be obtained free of charge through online services: Sberbank Online or Mobile Bank.

SMS notification will be free only for the first two months. Further, they will begin to charge a fee for maintenance - at least 30 rubles per month.

Conditions for issuing a card

For those who still do not understand how to get the Sberbank Momentum, we will answer that it is quite simple to do this. Minimum requirements for the applicant:

Age from 14 years old.
Citizenship of the Russian Federation.
Having a permanent residency.
In some cases, a provisional registration will be sufficient.

To become a cardholder, you need to come to the nearest branch of the bank and turn to a specialist with a corresponding request. You will need to present your passport for registration. After filling out the application, the client is issued an UDBO agreement for signing and is given a sealed envelope, which contains the plastic itself and the pin code attached to it.

For many means of payment, Sberbank has developed a program for remote registration and receipt of a means of payment. Momentum cannot be obtained in this way. Online application not available for this product. The card will be issued only after the applicant's personal application to the bank branch.

By offering Momentum to its clients, Sberbank guarantees that the user will receive a modern and reliable means of payment. Despite a number of restrictions, the card allows you to easily and quickly pay for purchases, purchase various goods and services, withdraw cash, and, if necessary, even top up your balance.