Annual maintenance of a Sberbank card is 450 rubles. Sberbank is quietly stealing money from the card

Bank cards have long become a convenient financial instrument. The card holder does not need to carry cash with him; he just needs to take out the card and pay for any purchase. Today this payment option is available in every store. In this regard, the question arises of choosing a suitable product. The decisive criterion in this case is the cost of the financial instrument to the owner. In the article we will discuss the cost of servicing a Sberbank payment card and the conditions under which it is provided.

Based on their membership in the payment system, cards can be divided into two main types: Visa and Master Card. Now a third, domestic payment system, MIR, is being actively introduced into circulation. It is worth noting that this factor does not affect the cost of providing financial services.

In this regard, we will analyze the features of providing services for payment plastic in the following areas:

• credit card;
• debit plastic;
• salary product.

In addition, credit cards are divided into types according to the level of priority, available limits and capabilities. These are the cards: standard, classic, gold, platinum. The higher the status of the product, the more expensive it costs the holder. Popular plastic cards today are Visa Classic and MasterCard Standard. Let's talk about them in more detail.

How much does it cost to service a Sberbank Visa Classic card?

Let's consider what Sberbank tariffs are for bank payment instruments intended for individuals, and how much money the bank charges for their services. The client can independently view all tariffs and conditions on the official website of the financial institution http://www.sberbank.ru/ru/person/bank_cards/tarif.

Credit product

Annual maintenance of a Sberbank Visa Classic plastic card is not provided if it is used for a credit product. Both the first and subsequent years of using the card will cost the holder no commission.

Other expenses:

• reissue of plastic – 150 rubles;
• commission for withdrawing cash through a local ATM is 3% of the amount, through a third-party terminal – 4%, in both cases no less than 390 rubles;
• requesting a balance and statement through a third-party ATM – 15 rubles.

Plastic maintenance is included in the cost of the loan, so the client does not have to pay for this expense separately.

Debit card

For servicing a Visa debit card, Sberbank charges from 450 to 750 rubles per year. for basic plastic and from 300 to 450 rubles. for extra. That is, the first year of servicing a Sberbank MasterCard Standard and Visa Classic card will cost the holder 750 rubles and each subsequent year 450. The calculation for an additional product occurs in a similar way.

What else will you have to pay:

• reissue is free, but if the client loses the plastic card, PIN code or changes personal data, he will have to pay 150 rubles;
• Cash withdrawal within the limit at your local ATM is free of charge, in excess of the norm for 0.5% of the requested amount;
• to withdraw money from a third-party terminal you will have to pay 1% of the amount, but not less than 150 rubles.

The card is used to store the holder’s personal funds, therefore there is a fee for using the card within the TP-204 tariff.

Salary card

Another type of banking product, let’s figure out how much it will cost the owner to service a salary plastic card at Sberbank. Such payment instruments are issued as part of a salary project; if the user wants his organization to transfer income to his card and writes a corresponding application, the plastic will still not be considered salary. The cost of financial services should be looked at according to the tariffs for servicing the Visa debit plan card.

Payment for servicing the salary project bank card is carried out according to the tariff TP-403. In this case, the first year of using the main payment instrument will cost from 0 to 750 rubles, each subsequent year 450 rubles. Often the employing company bears the cost of servicing Visa Classic cards and then the employee uses the card free of charge.

Additional costs are the same as for a debit card.

Comparative table of tariffs for servicing Sberbank payment cards

For greater clarity, we suggest analyzing a comparative table of the bank’s tariffs for servicing savings and credit products.

Plastic cards, in addition to those intended for credit products, provide for payment for the use of banking services, such as non-cash payments, online payments, cash withdrawals and much more necessary for comfortable use of a payment instrument. MasterCard Standard and Visa Classic are the most common cards, due to the fact that they have the optimal combination of cost of services and their quantity.

In addition, they participate in the “Thank you” bonus program, under the terms of which the holder is awarded points, the latter of which can later be spent on discounts for purchases in partner stores. Free use of the mobile application and online banking is also available. All together makes this type of financial instrument the best choice for everyday spending.

Labor legislation allows the employer to hand out wages to the employee personally or transfer them to a card account. Today, most organization owners prefer to use option 2. It is convenient for both the employee and the employer.

An employee will be able to receive funds in any convenient place, and the owner of the company will not have to waste time issuing wages and appointing a person responsible for carrying out the operation.

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However, paying on the card raises new questions. Banks charge additional fees for maintaining an account. An employee of an organization is increasingly asking the question: how much does annual servicing of a Sberbank salary card cost?

To get an answer, you need to carefully study the nuances of the service package provided.

Who pays

By leaving a signature on the employment contract, the new employee automatically agrees with the payroll rules that apply in the organization.

If funds are transferred to a card, a person should find out in advance who pays for the maintenance of the plastic. The information is contained in the document that the employee signs upon hiring.

If the employer agrees to cover all expenses, the employee is not charged. Otherwise, the commission will be debited from the card without warning.

You can find out who pays the service fee by contacting a branch of the credit institution.

Typically, employers cover the costs themselves, but there are often cases when the client has to pay the commission themselves.

In practice, there are several ways to pay money for services.

These include:

• the new employee independently creates a card to which funds will be transferred and pays a commission;
• the specialist takes part in the salary project and does not pay commissions;
• the employee takes part in the salary project, but all costs for issuing and servicing the card fall on his shoulders.

It is inconvenient for an employer if an employee independently issues a card in a third-party bank. To complete the transfer, you will have to issue additional money orders.

Business owners prefer to include a new specialist in a salary project. The nuances of paying commissions are discussed when concluding an employment contract.

How much will it cost to service a Sberbank salary card for both parties?

For employers

If a business owner plans to complete a salary project at Sberbank, he will be able to choose 1 of 2 types of plastic cards - MasterCard or Visa Classic.

The conditions for using payment instruments are almost identical. The difference is the amount of the service fee. Payments for Visa Classic are not charged during the entire period of use of the payment instrument.

You will have to pay for Mastercard 750 rubles for the first 12 months service and 450 rubles for subsequent ones. Otherwise, the nuances of using the cards are the same. If the employee decides to leave the organization, the means of payment will go to him.

Terms of use of payment instruments:

For staff

When thinking about how much it costs to service a Sberbank salary card, an employee of the organization should remember that for an individual, interaction with a credit institution will bring additional bonuses.

The advantages of receiving money for work on Sberbank plastic include:

• if a client wants to take out a loan from Sberbank, he can count on starting services on preferential terms;
• the loan is provided without additional certificates and guarantees;
• The bank will consider the client's application within 2 hours from the moment of submission;
• if for any reason the client does not want or cannot come to the bank, he has the right to apply for a loan via the Internet.

If a person applies for a salary card on his own, he must go to a bank branch. Employees of the credit institution will offer to open a Visa Classic.

To apply, you will need to provide a passport as a citizen of the Russian Federation and write a statement about your desire to receive a salary using Sberbank plastic. The payment instrument will be produced and issued to the client within 7 days from the date of application.

When the period expires, the person must again visit the company branch and present his passport.

The client will have to pay for the service themselves. The fee for the first year of use will be 750 rubles, and for subsequent ones - 450 rubles. All clients of the organization take part in the “Thank you from Sberbank” program.

If a person makes purchases using a card, the bank awards bonuses. They can be used to pay for goods sold on promotions in partner stores.

If the user wants to receive the products he likes, he must visit the company’s walls, provide a card and tell the employees how much bonuses he wants to use to pay for the purchase.

Other financial expenses for maintenance

In addition to the service fee, the bank may charge additional fees for certain transactions.

You will have to pay for:

• card restoration after loss;
• PIN code recovery;
• withdrawing funds from third-party ATMs;
• replenishment of a means of payment in another region;
• receiving a statement from an ATM.

If the card has expired, the user will be able to update the payment instrument for free. However, if the client has forgotten the PIN code or lost the plastic card, he will have to pay for the operation 150 rubles.

Money within the region is transferred and credited to the card for free. If a person wants to perform a similar action while in another area, the company will take a commission.

Its size is 1,25% . There is a minimum and maximum threshold for commission. The transaction fee varies from 30 to 1,000 rubles.

You will also have to pay for withdrawing funds from ATMs of other organizations. The commission amount is 1% of the amount, but not less than 100 rubles per operation.

The company allows clients to receive a statement without contacting the bank. To perform the action, you will need to use the organization's ATM. The action is paid. The company will debit from the client's card 15 rubles.

Type Dependency

Service fees may vary significantly depending on the type of payment instrument.

Before making a choice, you need to carefully study the annual fees charged by the bank. This will allow you to protect yourself from unnecessary expenses.

You can clarify the fee for servicing a payment instrument by contacting a company branch or contacting the support service by phone. Information about fees is also available for reading on the official website of the credit institution.

Types of salary cards in Sberbank and annual service fee:

If a client cannot find a job for a long period of time after being fired, he has the right to close the payment instrument, and this action will protect the person from paying commissions and unnecessary expenses

What happens after dismissal

If the owner of a Sberbank salary card decides to quit and stop interacting with the company, this does not force him to refuse to use the services of a credit institution. After termination of the employment contract, the former employee has the right to keep the means of payment for himself.

A ready-made salary card can also be used when moving to another place of work. In order for a new organization to begin transferring money for activities to an open plastic card, the client will need to provide the card details to the enterprise’s accounting department.

The benefits that the client will retain after moving to a new company depend on its original project. If it matches the tariff of the previous company, the person will keep the entire package of bonuses.

If you are planning to get the most popular bank card in Russia from the country's largest issuer, you need to find out the cost of servicing the Sberbank Visa Classic card, and at the same time a complete list of opportunities available with this card.

How much does it cost to service a Sberbank Visa Classic credit card?

If, on your own initiative, you apply to a financial institution for a regular credit card, annual maintenance for a Sberbank card Visa Classic will cost 750 rubles for both the first and each subsequent year.

The issue of additional cards for the holder of a “classic” credit card is not provided.

Servicing the Sberbank Visa Classic credit card will be free if it is issued under the terms of a personal pre-approved offer.

The client can count on such an offer:

• receiving money on a Sberbank salary or pension card;
• using a debit card from this issuer;
• keeping money on deposit in Sberbank;
• who has taken out a consumer loan.

Special conditions for obtaining a “classic” Visa credit card also include a reduced interest rate on the loan - 25.9% per annum versus 33.9% on standard terms.

Please note: free service is not provided for the Aeroflot Visa credit card.

The cost of emergency reissue of a credit card if it is lost or the PIN code is lost is 150 rubles. Reissue of Visa Classic in all other cases is free of charge.

Cost of Sberbank Visa Classic debit card

If you sign up for a debit card product, the annual maintenance of a Sberbank Visa Classic card costs:

• 750 rubles – for the first year of use;
• 450 rubles – for each subsequent year.

The client has the opportunity to order an additional card linked to the same card account free of charge, including a child card (for a child at least 7 years old). The first year of servicing the “extra” costs 450 rubles, subsequent years – 300 rubles.

The holder is provided with an emergency cash issuance service in case of unexpected loss of plastic outside the Russian Federation.

Please note: you can order a card with an individual design through the website sberbank.ru. This service will cost 500 rubles.

What is Visa Classic of Sberbank

Sberbank of Russia is the country's leading credit institution, confidently occupying first place in the number of issued plastic cards. Most clients choose a payment instrument of the “classic” or “standard” level, and the bank “by default” offers them the Visa payment system.

Annual maintenance of the Sberbank Visa Classic card includes:

• non-cash payment for goods and services at all retail outlets where POS terminals are installed;
• contactless smartphone payment services Apple Pay and Samsung Pay;
• cash withdrawals from the largest network of offices and ATMs throughout the Russian Federation;
• online payments for services and goods purchased via the Internet;
• payment of utilities, government services, fines and similar payments through the Sberbank Online personal account or mobile banking for a smartphone;
• linking a bank card to electronic wallets;
• using other features of online and mobile banking, including setting up automatic payments, checking transaction history and receiving card account statements;
• replenishing the card in a variety of ways - through cash desks in branches of a financial institution, using terminals and cash-accepting ATMs, through Internet banking, an application for a mobile device or the Mobile Bank SMS service, by bank transfer from another credit institution, through the Visa Direct service , funds from electronic wallets, as well as WebMoney and PayPal title units;
• access to special offers and discounts from Visa Intl.;
• using the product for payments when traveling abroad. In any of the 200 countries in the world where Visa cards are accepted, you can pay using plastic with a card account both in foreign currency and in rubles with the conversion of funds into the currency of purchases;
• 24-hour remote support services online and by call center.

For the holder of a Sberbank Visa Classic debit card, the service also implies participation in the bonus program of the issuing bank “Thank you”. For a credit card holder, there are several different sources of information about the amount of debt and the date of the next mandatory payment on the card.

Visa Classic vs Visa Gold of Sberbank

To compare the fee for using a classic card with other products, we will indicate how much it costs to service the card Sberbank Visa Gold.

The fee for servicing a Sberbank gold card is 3 thousand rubles per year. For this money, special privileges become available to the Visa Gold holder, most of which relate to service abroad.

Youth classic card

For young people, Sberbank has a particularly advantageous offer in its line of banking products - the Visa Classic youth card. It is issued to clients under 25 years of age. Each year of its maintenance, starting from the first, will cost only 150 rubles. The issue of an additional copy of the card is not provided.

Re-issue in case of loss of the plastic card itself, loss of the PIN code or change in the holder’s personal data will cost 150 rubles, due to expiration or other valid reasons - free of charge. A mobile bank can be connected to the card. The “Basic” tariff, which provides SMS notifications for all income and expense transactions, costs 60 rubles per month, with the first 2 months free.

Youth Visa Classic has all the advantages of a regular Visa Classic card:

• Special offers from the Visa system.
• Possibility of replenishing and withdrawing cash in a wide network of own offices and ATMs of Sberbank and other banks.
• Cashless payment in offline and online stores wherever Visa cards are accepted.
• Possibility to issue a card with an individual design for an additional one-time payment of 500 rubles.
• Convenient online banking where you can pay for housing and communal services, fines, taxes and much more.
• Ability to connect the card to electronic wallets (Webmoney, Yandex.Money, Paypal and others).

In addition to the low cost of service, this card has another interesting advantage - an increased “Thank You” accrual under the bank’s bonus program. For purchases from youth partners (their current list can be found on the Sberbank website), you can receive up to 10% of their value in bonuses, but usually only 0.5% is returned.

April 11th, 2018 , 01:24 am

I have two Sberovsky cards. One visa, the second mastercard. I opened them 10 years ago, naturally, I don’t remember the terms of service, which probably changed over the years. They charged me something for mobile banking, I received notifications about it, everything was fine.
I had both cards in circulation, so I somehow didn’t notice any unauthorized charges. But about a year ago I stopped using Mastercard... That’s when it all came out.

There were some pennies left on the card, they were gradually eaten up by the mobile bank and the card went into minus 30 rubles. I received a message that there was no money on the card, so the mobile bank would not work until I put money on the card. Well, it won’t and won’t, at the same time I’ll save money by not paying for a service I don’t use.

I was already used to seeing my minus 30 rubles in Sberbank online, so somehow I didn’t pay much attention to this figure. And suddenly today I come in, and it’s minus 480. I didn’t realize it! I started rummaging through the extract. There are no write-offs. What's happened? I call support. And they cheerfully tell me that this is a write-off for annual maintenance.
- Stop. Should I send an SMS?
- We sent it, you probably didn’t have a connection.
- Even if it wasn’t, text messages come later.
- They don't come.
- Well, don’t tell me, I opened the card 10 years ago, and that I was without communication for all 10 years or what? I don’t understand, and you’ve been quietly writing off money from me for 10 years, without considering it necessary to inform me?
They start talking to me again about the connection failure, then they tell me that they started sending out text messages about writing off the annual service recently, but they didn’t send them out before.
- Ok, but was it written off from the visa too?
He starts looking and it turns out that the visa was written off quietly, without any notice or any entry in the statement.
- Why is there nothing in the statement?
- This write-off is also not shown in the statement.
- Are you crazy there at all?
- Your contract says that annual maintenance is 450 rubles.
- Ok, let it be written, even if it’s my fault that I don’t remember the amount, but what does it say there that you will do this without my knowledge? How can you quietly steal my money for 10 years and not even inform me?

They silently remove the annual maintenance and not a trace of these operations! Maybe if they reminded me about it periodically, I would go to another bank where there is no this fee? So, that’s probably why they don’t notify. If one card hadn’t gone into the red, I probably wouldn’t have noticed for another 10 years how they were quietly writing off 450 rubles from me.

Filed a claim.