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 an 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 your personal account on the website or using mobile bank. 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 of the bonus program is awarded special points. 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
Nameless card Sberbank Momentum 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 start new card Momentum. 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 operations. 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 bank transfer 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.
Issuance fees Money For Momentum holders, the following are provided:
- 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.
- A commission of 0.75% of the amount will be charged for conducting a transaction in another territorial bank or in a subsidiary credit institution.
- 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 remote clearance and receiving 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.
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.
Maestro momentum is the most popular first card among Sberbank customers. All this is due to the fact that you can get it the very next day after signing the contract. This card has other advantages, which we will discuss below. But first, you need to figure out why momentum is needed at all and what are the features of its design.
How to get a Maestro Momentum card
Sberbank allows all customers to receive a momentum card, from 14-year-olds to 65-year-olds. All you need is a passport.
Contact the nearest branch of the company and ask for help from a consultant. In the absence of queues and a small number of visitors, all paperwork will take no more than 15 minutes, and the very next day, the client can pick up and activate the card. It is unnamed, but contains a chip with an attached password and a CVC2 with a security combination that allows you to pay for services and purchases via the Internet.
To activate, just insert the card into an ATM and enter the pin code. Its basic functionality will be enough to withdraw money and pay for services from your personal account. The card often acts as a gift from the bank when a customer is given a loan or a "universal" deposit is made. This behavior of Sberbank in relation to cards leads to the fact that more than 50 percent are closed as unnecessary. And also to some difficulties with obtaining, such as:
- Lack of cards in the local branch (most often in small towns).
- The reluctance of employees to mention a free copy, coupled with an attempt to impose visa gold or electron. It is more profitable for them to offer a paid option.
According to the rules established by the Savings Bank, there are no restrictions on the issuance of Maestro momentum. Any person who is a citizen of the Russian Federation and has a passport with him can get it. Therefore, the bank is actively promoting the card as a youth card, because without strict criteria for the owner, it is also quietly issued for minors.
If cashiers or employees refuse to issue an agreement for signing without a good reason, then the client has every right to write a negative review on the official website of Sberbank, indicating the name and surname of the negligent employee.
What can be used for
Momentum has the basic functionality of visa electron, suitable for cash withdrawals and transfers of small amounts (up to 100,000). Transactions between the cards of one user are free, and for the details of others individuals carried out with the payment of a commission of 1 percent. But even here you can avoid additional costs if the credit cards of the initiator and recipient of the transfer were opened in the same city.
With replenishment, the same is true, if you transfer cash to a bank account through a cash desk or terminal of a territorial bank, then the transaction is free. When transferring from electronic wallets outside your city, a minimum commission of 0.75 percent is charged.
Momentum is mainly used for:
- Payment for services and purchases online.
- Withdrawing money from electronic wallets. Due to the low transfer fee and ease of transactions, it is popular among freelancers.
- Cashless payment in stores.
However, experienced users prefer momentum other cards, with less restrictions and more favorable terms of use, as well as savings accounts.
Restrictions
Momentum is not initially suitable for use abroad, but its main limitation is the lack of CVV2, like most entry-level credit cards. Because of this, it is impossible to pay for some services and make purchases in stores with a high degree of protection.
The impossibility of setting an overdraft in your personal account gives owners fewer opportunities to protect their savings. Also, Momentum is not suitable for transfers from the paypal system, but here you can go around and transfer money first to webmoney, and only then cash out using a card.
Additional services
- Like any Sberbank card, Momentum has a number of additional services, and although it does not require a service fee, but for mobile banking or using a personal account, a separate fee is required.
- You can connect the bonus tariff “Thank you from Sberbank” to momentum, which allows you to return part of the money spent, and then use the savings for purchases in partner stores of the bank.
- Mobile banking, as well as a personal account, will allow you to keep convenient statistics on expenses and manage your accounts from anywhere in the world. For this, a smartphone or tablet running iOS and Android is suitable.
Differences from the classic Sberbank card
Unlike classic bank cards, maestro momentum details consist of 16 digits, not 18. This causes difficulties when paying on some sites, because not all forms support the 16-digit number format. But this type of plastic also has a significant advantage - 3D Secure. A security system with additional encryption of information that makes life difficult for hackers and fraudsters, and also allows you to make transactions on the Internet without the risk of hacking.
Conclusion
Maestro momentum is good choice among the entry-level Sberbank products and is suitable as the first card for novice users banking services. However, it has a number of limitations, such as the inability to set an overdraft limit or issue additional card, which will not be to the liking of experienced users.
But due to the low commission for withdrawal and the convenience of interacting with electronic wallets, it will be a good choice for freelancers and people who need easy withdrawal of electronic funds.
I hope our tips were helpful to you. See you on the pages of the site!
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The card is popular, primarily due to the fact that it is completely free, while allowing access to non-cash payments, transfers and remote services of Sberbank Online.
Sberbank Momentum instant issue card: conditions
A little praise
The card can be obtained immediately, without waiting, and you can start using it right away. It differs in that it is not nominal and does not have additional degrees of protection. Due to the fact that the card is tied to a phone number, it will not be so easy for an unauthorized person to use it if lost.
Were there any difficulties with obtaining a card at bank branches?
Yes
NotWhat does Sberbank Momentum R mean? The letter R in this case means that this is a ruble card. Also, the card can be dollar and euro.
If you want to use exactly currency card, it is better to order a Momentum payment card Mastercard systems. It is more profitable when converting currencies than Visa. The latter will take an additional 2% when converting.
Instant cards are also used when you have to wait until a regular card (social or classic) arrives so that the client has quick access to his accounts all the time. After the issuance of a personalized card, the instant one, as a rule, is blocked as unnecessary. Sberbank, by the way, also has a similar one.
Pros and cons of the Sberbank Momentum card
The card has a lot of advantages.
Since May 2016, Momentum cards allow you to withdraw money abroad at any ATM, as they are full-fledged international cards. Those who issued cards before May last year most likely have Visa Electron or Mastercard Maestro in their hands, after - Mastercard Standard / Visa Classic momentum. At the same time, the cards, as they were, and remain free. There are no fees for issuing and servicing the card.
The Sberbank instant card has both pros and cons
The advantage is the wide branch network Sberbank, if you need to issue an instant issuance card, you can do this at the nearest branch of the bank.
Advantages of the Sberbank Momentum card, point by point:
- Transfers between your own and other people's accounts via Sberbank-Online are also free
- Free withdrawal and deposit of money to the card (in the territorial branch of the bank and its ATMs), non-cash payment for goods and services
- Connection to remote services, which allows you to see all your previously open accounts and deposits, transfer money between them, control receipts
- Bonus program "Thank you from Sberbank", which makes it possible to accumulate points for non-cash purchases and receive a discount of up to 99% (1 bonus = 1 ruble) in the bank's partner stores, of which there are really a lot
- Possible online payment utilities, taxes, goods in online stores, since the card has an authentication code like a regular name card
Thus, the Sberbank Momentum card provides all the same opportunities as cards that have an annual service fee, but for much more favorable conditions.
Cons of the Momentum card:
- Withdrawal limit (about restrictions - a little lower).
- Chipless cards (issued before May 2016) can only be used in Russia.
- You cannot use the card as part of a payroll project.
- There are difficulties with obtaining a card in some offices (due to the fact that the employee is focused on issuing paid cards).
- Difficulties with re-issuance in case of theft or loss of the card (it is recommended to issue a card of a different type, already paid).
- According to reviews, online payments do not always go through.
- You can’t check the balance through ATMs (a strange minus, given that a mobile bank is connected for free).
- It is impossible to withdraw cash from ATMs and cash desks of other banks, including branches of Sberbank of Ukraine, Belarus, Kazakhstan.
- No PayPass/PayWave.
- Cash withdrawal fee even at Sberbank branches other than the territorial one where the card account is serviced.
Although there are a decent amount of minuses, in fact, most of them are insignificant.
Limits
We decided to write out these points in more detail, since many are interested in numbers - how much you can withdraw per day / month from this card.
Monthly limit
- Monthly limit through cash desks and ATMs of the Bank - 100,000 rubles. or USD 3,000 or EUR 2,500;
Daily limits
- At the cash desks of Sberbank - 50,000 rubles. or equivalent in foreign currency;
- At the cash desks of affiliated banks / other credit institutions - withdrawal is not possible;
- At Sberbank ATMs - 50,000 rubles. or USD 1,600 or EUR 1,200;
- At ATMs of subsidiary banks / other credit organizations - 50,000 rubles. or USD 1,600 or EUR 1,200;
- Through cash desks of other branches of the bank not at the place of account maintenance - 50,000 rubles or 1,600 US dollars or 1,200 euros
Other limits
- Acceptance of cash for crediting to the card account through OKR per day - 10,000,000 rubles. or equivalent in foreign currency;
- Limit on making payments for goods and services per day —
100 000 rub. / USD 3,500 / EUR 2,500.
It is quite easy to bypass the withdrawal limit. Only 50,000 rubles are available for withdrawal from the card per day. But since the card gives you access to managing all your accounts through Sberbank-Online, you can transfer the required amount to the "Universal Deposit" (in fact, this is a demand account) and withdraw all the money from it. The same method is effective in order not to keep large sums on an unnamed card - it is enough to transfer money to a deposit, and to throw only the amounts necessary for use on the card.
Does the card have inconvenient limits?
Yes
NotThe process of obtaining a card
Getting a Sberbank Momentum card is quite simple, just contact any branch of the bank. The time for receiving the card stated on the official website does not take into account the queues, but still true (10 minutes).
The Sbrebank Momentum card is issued on the day of application - perhaps the most "fat" plus of this card
Quite a lot of reviews that the card is not willingly drawn up, focusing the client on name cards with a paid annual service. This problem is solved by contacting another office of Sberbank.
Until now, there are bank branches (mainly in the regions), where free map agree to issue only if one of the classic cards is received in parallel. Most often, this is the most inexpensive (Classic) with an annual service of 300 rubles.
The card will not be issued if the client already has any of the valid international cards Sberbank.
If everything goes without complications in the form of the presence similar maps the client, the lack of cards in the bank branch or the focus of employees on the sale of a card with a fee for annual service, then it is enough:
- Present a passport (the card is issued from the age of 14);
- Sign the application printed by the employee;
- Get an unnamed card;
- Activate it and bind it to a phone number through an ATM with the help of a bank employee;
- Connect all possible remote services at the initiative of a bank employee (Sberbank-Online, SMS informing, phone application).
Everything passes quickly enough, which is facilitated not only by the presence electronic queue, but also the equipment of bank employees with tablets and smartphones.
What can be paid when using the card
Although the card is positioned as fast and without bells and whistles, some things are paid here.
Insurance
When issuing a card, they can impose insurance against theft of funds from the account, since “the card is unreliable and money without insurance will definitely be stolen.” The argument is controversial, especially for those who draw up a card precisely because of the lack of annual maintenance. Most likely, by this they are inclined to issue a card with a service of 300 rubles, since it is still cheaper than 700 rubles of insurance, which does not guarantee anything. Here the advice is obvious - insist on issuing a card without additional services or contact another branch.
SMS informing
SMS informing the first 2 months is free, from the 3rd month the fee will be 60 rubles. It is convenient that when the card is not used (and there are no funds on it), the service is suspended, no fee is charged. You can turn off SMS informing yourself by switching to the "economical package" of the mobile bank. But it does not always make sense to turn off an inexpensive and useful service.
Withdrawal via ATM
An extract on the last ten transactions, if you request it through an ATM, is paid, it costs 15 rubles. You can get the same thing for free through Sberbank-Online.
Conclusion: We can say that the card is really free and does not have any "pitfalls", since it is not difficult to refuse the imposed insurance, and the fee of 60 rubles from the 3rd month for SMS informing is not significant.
Tariffs and conditions of the Momentum card
Transfers between Momentum cards are free, but only if they are intra-bank (that is, the cards are issued in one branch or city), if the cards are issued by different territorial banks (there are 17 of them in Russia), then a 1% commission will be deducted from the one who transfers the funds, but not more than 1,000 rubles.
Tariffs for the Sberbank Momentum instant issuance card
When transferring to another city or to the other end of the country, this is very profitable and convenient, especially when compared with the rates for transfers without opening an account (Contact, Unistream, Western Union). Replenishing your card in another city (another territorial bank) will cost 0.75% of the deposited amount, withdrawing this money - the same amount.
Blocking and reissuing the card are declared free of charge…
According to reviews: successful reissue depends on what Sberbank branches are focused on during the reissue period - on the active offer of ordinary paid cards, the imposition of insurance or connection maximum number remote services. There are those who are lucky with the expiration date of the card, and there are those who are unlucky. Momentum is valid for 3 years.
Are there alternatives to Sberbank?
What other banks also issue debit cards with instant issuance? Here is a short list
- Alfa-Bank standard debit card;
- Map Kukuruz Euroset;
- MTS card money from MTS Bank;
- Card KEY from HomeCredit;
- Super3 card from VTB Bank of Moscow;
We wrote more about each of them in the article.
It is suitable for those clients who need to quickly access a minimum set of operations. This card is not suitable for using the possibilities of international payment services.
Important: To date, issuance of cards Momentum R terminated. Instead of this series, Sberbank issues unnamed Momentum cards, with similar characteristics.
Features of non-named Momentum cards
To date, Sberbank is releasing a whole series that differ in payment systems (Visa, Mastercard, MIR), bonus programs( , ), limits and other characteristics. The main advantage of the Momentum series cards is free issuance and maintenance, quick processing and a minimum set of documents. Most often, an unnamed card is issued by new customers. banking institution and those who wish to open an urgent account. Today, Sberbank provides the opportunity to choose one of two instant issuance cards - or. Plastic cards are issued under the same conditions and differ only in payment systems, that is, discounts, special offers, promotions and other additional features.
For plastic card Momentum series are also provided bonus offers from Sberbank. So cardholders of this series can receive points for each non-cash payment on the map. The number of points depends on, and can reach 20% of the amount spent. The accumulated points can be used to pay for the following services:
- Air tickets (according to the program);
- Activities (According to the program);
The procedure for issuing unnamed Momentum cards
Since the cards of this series do not require long production, but are located directly at the bank branch, the receiving process will not take much time.To get an instant issuance card, you must:
- visit a bank branch and, turning to an employee, provide a passport;
- sign with credit institution to combine your accounts into one system and be able to control them using Internet banking.
Distinctive features of the instant card type
Among all the above advantages, instant issuance cards have significant drawbacks. One of the main disadvantages of the card is the lack of a code and full name of the holder. Otherwise, Momentum is no different from more: on the front side there is a number, expiration date, institution sign, type payment system, and on the back - a security chip.If we talk about the limitations of instant issuance cards, then for many of us they are significant. Map Sberbank Momentum almost never used outside the state, it is not always possible to pay for an online purchase with its help. Many companies are reluctant to accept entry-level cards, as they do not guarantee secure payments.
Nevertheless, despite such obvious shortcomings, Momentum series cards are in demand because they have a standard set of features:
- allow you to cash out funds from a card account using ATMs or cash desks of Sberbank branches;
- pay in a 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 (, Personal Account);
- control and manage combined card accounts after connecting or registering in .
Limits and commissions on the Momentum card
The Momentum instant issue card from Sberbank has restrictions on cash withdrawals. Within 30 days, the client can cash out an amount not exceeding 100,000 rubles, and within 1 day - no more than 50,000 rubles without charging a commission.
Commission for cashing out at ATMs:- Sberbank, in which the card account was opened: no commission;
- another territorial bank: 0.75% of the amount;
- within daily limit at a Sberbank branch: no commission;
- from exceeding the daily limit in a branch of Sberbank: 0.5% of the amount exceeding the limit;
- another territorial bank within the daily limit: 0.75% of the amount;
- another territorial bank with excess of the daily limit: 0.75% of the amount exceeding the limit;
- subsidiary banks: 0.75% of the amount;
- other banks: 1% of the amount, but not less than 150 rubles.
Ways to obtain information about an account on an unnamed card
- through ATMs of Sberbank or any other financial institution;
- in Personal account. After authorization in the self-service system, you should select the desired card and view all account information;
- using Mobile Banking. You should send a message with the text BALANCE or REMAINDER(English spelling of words or transcription is allowed) or numbers 01;
- calling to . In this case, you can use the help of the automatic information service by pressing the number 2 or contact a consultant hotline, using the number 0;
- visit the branch and find out the balance by the card account number from the employee.
