Sberbank cards maestro momentum r. Terminals and ATMs
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 you personally visit a bank branch. A characteristic feature of this card is that it belongs to the type and is issued instantly. In the case of ordinary cards (classic,), you must wait up to 14 days for receipt.
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 you connect Sberbank Online or Mobile Bank, you can transfer money, 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 services, replenishment of a telephone bill, payment of credit debt, traffic police fines, etc.;
- the ability to connect the program "";
- 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 a new card of 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 the Mobile Bank is connected, fees are charged for certain types of operations:
- 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 cash desk, provided that the daily allowance 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:
- Input and code is done from .
- 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.
Important: at the moment, the bank does NOT issue this type of card, 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, quick processing, 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 that any holder has the right to take advantage of.
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 within this period, the 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 that it is much easier to get a Momentum credit card at Sberbank 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 the Contact Center or ask an employee at the office.
Key Features of the Instant Card
The difference is the appearance of the card: the name of the owner is not indicated on it. There is also no CVV or CVC code. The remaining mandatory elements are displayed on it: number, expiration date, bank logo, type of 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 utility bills online, for your loans in other institutions, topping up 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 the minimum amount set by the client. You can make settings and disable them through any remote services, by phone or in a branch.
MasterCard Maestro Momentum is a convenient and inexpensive debit card issued by Sberbank and allows you to carry out all the necessary operations. It got its name due to the method of issuance: you can get it immediately after signing a universal agreement with the bank and without waiting 1-2 weeks for it to be made.
What is the difference from the classic map?
Let's start with how it is NOT different from any regular debit card.
In particular, these are:
1. Ability to open an account in any currency (rubles, euros, dollars);
2. Ability to perform operations:
- non-cash payment for services and goods around the world;
- payment for services and goods on the Internet;
- withdrawing cash from ATMs;
- replenishment of the card in cash at an ATM or by transfer;
- transfer of funds and execution of payments in terminals and ATMs;
- transactions using the Mobile Bank and Sberbank Online systems.
3. Additional privileges for the holder - mobile and Internet banking, bonus programs, discounts and promotions of MasterCard systems (or Visa, if you issue Visa Electron).
Like many other similar products, Maestro Momentum from Sberbank of Russia is valid for three years and can be replaced with a new one.
The main differences from the classic offers of Sberbank
1. Free service. It can be held at any time with a zero score. The bank does not charge you for annual service, but this may not apply to the Mobile Bank service.
2. Prohibition to issue additional cards. Instead, a family member can get their own for free.
3. Absence of the name and surname of the holder. The card is not issued on order, but is issued immediately, so it is not possible to indicate the personal data of the holder. However, she has a chip and a magnetic strip that protect against counterfeiting.
4. Instant issuance.
How to get it?
There is nothing easier. You only need to have your passport with you.
Minimum client requirements:
- age from 14 years;
- Russian citizenship.
You need to approach the manager, provide a passport and sign an agreement. Most likely you will be asked to come up with your own pin code. After that, you will immediately receive your Maestro Momentum card from Sberbank.
How to use it?
In general, you can use the card in the same way as any other, but there are limitations:
- in case of damage, loss, loss of the pin code, it is not reissued. However, the money, if it is kept in the account, will not be lost;
- the daily cash withdrawal limit is 150,000 rubles or 5,000,000 rubles per month (and equivalent amounts in foreign currency) in the territorial division of Sberbank or another bank, as well as 50,000 rubles per day in a branch of another territorial division;
- if you exceed the cash withdrawal limit, you pay 0.5% of the amount;
- when withdrawing cash from ATMs of other territorial divisions, you pay 0.75% of the amount as a commission;
- through the cashier, you can put no more than 1,000,000 rubles per day on the card;
- the limit for paying for services and transferring funds to other accounts is 100,000 rubles.
- a card in dollars or euros is issued only if the holder took a ++ loan from Sberbank ++ in this currency;
- you cannot get cash in an emergency if the card has been lost.
Main advantages and disadvantages
Maestro Momentum from Sberbank is a very convenient and cheap tool for conducting various banking operations. Among the main advantages we note
1. Immediate issuance - you will have to wait at least a few days for any other card. Maestro can be issued immediately, like a regular passbook.
2. Free service, you don't spend a dime to use it.
Among the shortcomings can be noted:
1. Insufficiently high security (in particular, it is unnamed);
2. Insufficiently large withdrawal and transfer limits (not suitable for those who want to transfer large amounts).
Maetsro Momentum from Sberbank is a more convenient alternative to a savings book. There are limitations, and if you want to get all the features, you can order a classic, gold or even platinum Sberbank card, Visa or Mastercard Aeroflot, MTS, Give Life. Or at least the Maestro's name card.
Read also interesting materials on credit cards.
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
Sberbank Momentum card
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. Interest rate - up to 20% And 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 age 25-65 years, Russian citizenship, work experience of one year, provided that 6 months of them the citizen worked in one place.
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.
From this April (2016) Maestro cards Momentum Sberbank 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. Since its release validity period is one year after that it will need to be replaced. 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 Auto Payment 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.
Today, Sberbank offers customers a wide range of bank plastic cards. Each account holder has the right to choose the most suitable option for himself, based on his 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 a popular free card and has a lot of features and features. Its main advantages are:
- opening accounts not only in rubles, but also in the monetary units of other countries;
- with its help pay bills and transfer money;
- carry out payment transactions for the purchase of goods and services at retail outlets and on Internet sites;
- 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 for utilities, credit debt, replenishment of a mobile phone account, 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 disadvantages. 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;
- there is no possibility of receiving cash on a card outside the country, even in foreign branches of Sberbank;
- cash withdrawal through ATMs of other financial institutions is not available;
- it is impossible to register wages on the card;
- 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.
There is a limit set by the bank for 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 with a card, a commission may be charged:
- 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 does not exist 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 the WebMoney system is possible.
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. The service of remote registration of the card is 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.