Sberbank card with a cat in the snow. Joint project of Sberbank and VKontakte: SberKot stickers
Recently, it has become possible to order bank cards with an individual design. Working under the motto: “Don't be like everyone else!”, Financial organizations are quite rapidly promoting a new service. The luminaries of the monetary market are not far behind fashion and luminaries.
Sberbank very zealously joined the race to create plastic cards of an individual sample. In order to order a payment accessory, you don’t even have to contact. All information is available on the organization’s website - sberbank.ru. Here you can choose a design option from the proposed list, which includes such topics: animations, animals, flora and fauna, cities, etc. For the most creative users, a module for uploading images of their own production is provided.
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The selected pattern is applied to the entire surface of the map. During the creation of the map, the ability to edit the image is allowed: selection of more preferred fragments and angles, changing the color palette, etc. Those Visa, MasterCard or MIR owners who are tempted to create can independently edit the classic and standard card options. The service of "individualization" is provided by Sberbank only to users of debit plastic.
So, with the goal of changing the design of your debit card from Sberbank, follow these steps:
- Find on the menu "Choose a card" and go to the category "Cards with an individual design."
- Fill out an application or change the design of the card yourself. In both cases, it is recommended to strictly follow the instructions of the system.
- Do not forget to carefully read the terms of the license agreement!
Failures are also possible for cards with photos of actors and cartoon characters, as well as images of paintings by famous artists that fall under copyright law. All "allowed characters" are available in the gallery proposed by the developers of the bank. So, for example, Sberbank is ready to print cards with fragments from the animated films “Shrek”, “Puss in Boots”, “Well, wait a minute!” and Madagascar. A complete list of rules for posting images is published on the website of a financial institution.
Cost and terms of service
The individual design of a debit card from Sberbank will cost the user 500 rubles. We are talking about a one-time payment, which is carried out before the card is issued and is added to the annual cost of service. The total amount will be 750 rubles.
How long does custom design approve?
Within five days after you send a request to the card, you will receive an SMS notification with approval or rejection.
What if the design is rejected?
If the design is rejected, you can replace or edit the image. To do this, follow the link in the SMS notification and log in using the phone number and design code specified in the SMS. After authorization, you will see the reason for the refusal to issue a card.
Why is custom design verification necessary?
Card Production Dates
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large 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. Delivery to remote locations may take up to 15 business days. Exact dates are possible.
When issuing a card, only business days are taken into account. If you order it on Friday evening, the production time will be counted 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 receive a card?
To pick up the card, bring along 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 bonuses THANKS?
After receiving the card, you must register in the program “Thank you from Sberbank”. The easiest way to register: send SMS to number 900 with the text THANKS 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online account and at the Sberbank ATM - find the “Thanks from Sberbank” section and follow the prompts.
Bonuses are accrued automatically when paying by card - their number depends on the level of privileges.
It should be remembered that bonuses are awarded 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 credits are credited to the account Thank you.
How can I use THANKS bonuses?
THANKS bonuses can be exchanged for discounts when purchasing goods and services from Partners, a full list of partners is available. In addition, THANKS bonuses can be exchanged for a discount when buying tickets and staying at hotels (on the site “Thank you from Sberbank. Travels”). Also, bonuses can be exchanged for discounts when buying tickets for events - the service is available on the site “Thanks from Sberbank, Impressions”.
How can I find out the details of my card?
To find out the details, in the Sberbank Online mobile application, find the card you need and click "Show details".
Another way: in your Sberbank Online account, go to the “Cards” section and find the card you need, then “Card Information” → “Bank transfer details to the card account”.
Is it safe to use a contactless card?
Yes, the card is safe. She is always in the hands of the owner, so her data remains inaccessible to scammers. It is much safer to make purchases without presenting a card and entering a PIN code, since no one sees the card data. In addition, contactless technology protects against double charges - after payment for the purchase, the terminal emits a sound signal and turns off automatically.
A leading Russian bank is developing many strategies to attract customers of different age categories. Now he plans to reach an audience of up to 25 years. To this end, Sberbank, together with the VKontakte social network, is conducting an action for network users over 14 years old. Russians aged 14-18 are a strategic priority of the bank. The highest rate of customer willingness to attract their close circle of friends to new services and products (NPS index) is in this age group. It is the maximum number - 64%.
The action involves a wide variety of options for funny cats
Already, the banking institution serves more than 6.7 million customers of this age with debit cards at their disposal. And according to forecasts, this is the most popular client segment for banking products. It is best to interest future customers on their “territory” - in social networks, where they spend the most time communicating with peers.
Under the terms of the action, VKontakte participants will receive gifts and congratulations from a banking institution on their birthday. In addition to this, after this day, the “lucky ones” will be able to send free congratulations and gifts to their friends within 30 days. Another innovation is the launch of the SberKot chat bot, which prepared a pleasant surprise for young visitors in the form of a package of free stickers. Previously, only large international payment systems could provide such a service. The promotion is available for Russians over 14 years old.
This is not the first attempt by a banking institution to attract the attention of youth. Several companies have already been held to promote youth services. As popularizers of its products, Sberbank attracts well-known video bloggers and “stars” among the youth. Together with the popular singer Yegor Creed, a project was launched to release a limited collection of youth cards named after him. The conducted companies yielded significant results: the number of youth cards issued increased to 300 thousand per month, while the previous figure was 80 thousand.
Integration into a social network will allow a credit organization to make a “backlog” to its client base. After all, it is known that in 30% of cases, the first bank with which a new client begins to cooperate, remains with him further. The results of 2017 showed that half of the customers who started using Sberbank services for the first time were young people under 25 years old.
How to get stickers from SberKot
As part of the campaign, Sberbank launched the unique chatbot SberKot on the VKontakte social network. Its purpose is to educate the younger generation in financial literacy. In addition, “gifts” are provided to attract a youth audience, which will be a pleasant surprise for young Russians. It's about stickers. Everyone knows how popular they are among users of social networks. Vkontakte visitors are no exception. In their communication, participants are accustomed to exchange stickers, they have become a convenient means of communication with young people. There is nothing easier to save time than sending a picture that conveys a certain thought or emotion. On this affection, the bank has built its strategy to attract youth.
SberKot allows you to get free stickers. To do this, you need to download the SberKot package, which consists of four stickers in the form of a cat with the green Sberbank logo on a tie known to everyone. After that, VKontakte automatically transfers the user to a bank chat bot to receive the cherished pictures. There are several possibilities for this. Twice every week, SberKot will send life hacks about how to properly manage money, plan finances and, at the same time, introduce banking products. Each message will be accompanied by a gift in the form of a sticker. The bot already has its own group in the social network of 272 thousand participants. The second option for obtaining exclusive pictures is to link the bank card to the VK user account, and its page should be open for public viewing.
Most customers are lost in choosing the best option that meets all the requirements. In this article, we will consider what Sberbank cards are, their types, features. And everyone will be able to determine which Sberbank card suits him best.
The main categories of cards issued by Sberbank
Before proceeding with the choice of a plastic card, you need to understand what it is used for. If the use of borrowed funds of the bank is implied, then it is advisable to order a credit card, and if the client uses his own money, then a debit card will cope with this task. In addition to the separation by type of use, Sberbank cards differ in each of which has its own advantages and disadvantages.Each Sberbank card has its own task, based on which the client can choose the product of interest. So Sberbank offers for its customers or, which, in addition to performing the basic functions, will accrue interest in the form. Those customers who are interested in bonus programs, Sberbank has issued an additional series of plastic cards, which include and. If in the first case, for each completed purchase on the card, the client will receive up to 20% money back in the form of a discount as well, etc., then using the second card, the client will accumulate bonus miles, with a sufficient amount of which they can be use as payment for Aeroflot services.
Debit Card Benefits:
- Pay for goods in shopping centers and shops;
- Pay for services and goods online;
- Receive and spend bonuses;
- Save and store money.
- Lack of;
- You can use credit money at any time an unlimited number of times.
Important! Borrowed money must be returned to, in order to avoid interest. Also, by credit card you need to make a monthly mandatory payment in the amount of 5% of the outstanding amount + accrued interest. This payment must be paid even with the grace period.
Having figured out what Sberbank cards are, you can begin to familiarize yourself with additional conditions and features. The validity of these cards can be based on personal privileges as well as on general conditions.
Classic Sberbank Card
The classic format of international cards is in constant demand:. This card is the most popular among Sberbank customers, as it combines the basic functions and a small price for annual service in its package. If it is not possible to order other varieties of plastic cards, this is the best choice. Main features of Visa Classic:- The ability to choose the currency we need - dollar, euro, ruble;
- Long validity period - 3 years;
- Providing a card in the first year costs 750 rubles, subsequent years - 450 rubles;
- The possibility of payroll;
- The ability to receive and use additional cards;
- Chip card protection;
- The ability to use and;
- Connecting a security system for online payments 3D-Secure;
- The ability to replenish, transfer and conduct other banking operations through self-service terminals and ATMs, including those located outside the country;
- Connection.
If the card is lost during your stay abroad, the client can withdraw money on an emergency basis, or make a link to one of the electronic payment systems (YandexMoney, etc.).
A similar package of services exists in the category of credit cards. The following conditions are established for them:
- A credit limit is set in the amount of 300,000 to 600,000 rubles;
- Grace repayment period - 50 days;
- Interest on the loan - from 23.9% to 25.9% per year;
- Card service is also free in the case of a higher limit.
The main types of debit cards of Sberbank
When choosing a debit card, the client is invited to choose the available options, based on preferences. Today, Sberbank offers several types of cards with the characteristic features, design, as well as the cost of service:- . It is issued within 10 minutes and does not have personal data tied to. This card is designed to provide a minimum number of services. Designed to pay for purchases, and topping up an account. There is no service charge;
- . Allows you to enjoy additional privileges and discounts in any country in the world. The card is provided with a high degree of protection and personalized service. The cost is 3,000 rubles per year;
- . It has increased, and also returns up to 10% of the amount spent in the form of "Thank you" bonuses on the card. Maintenance costs 4900 rubles per year;
- .
Part of the money from the spent funds is transferred to charity funds; Maintenance is from 1,000 to 15,000 rubles per year, depending on the type of card.
- This card allows you to accumulate “miles” - a special category of bonuses for which you can pay for air travel services, as well as improving the class of service at Aeroflot and its partners. Service is from 900 to 12,000 rubles, depending on the card.
- . This card has all the characteristics of a classic card, but with the ability to choose an individual design. Card pre-order is carried out only through the Online method through the official website or Sberbank Online. The client can choose a ready-made layout or offer his own, having passed the verification procedure.
- Such a card accrues “Thank you” bonuses, and also has a low maintenance cost reaching 150 rubles per year. Suitable for transfers, payments and scholarships.
- This card has all of the above characteristics of the "Youth Card", but with the ability to choose an individual design. The cost of this service is 500 rubles.
- A feature of the card is the lack of a physical medium. A card issued through Sberbank Online does not charge a service fee and is intended to pay for purchases using a mobile gadget.
- . Suitable for senior citizens, provides free maintenance and premium accrual on the residual balance of 3.5% per annum.
Types of Sberbank Credit Cards
Such credit cards as Youth, Give Life and Aeroflot are similar to debit counterparts. Existing types of credit cards differ in some functions and, of course, in the limit limit amount. It can be:After a month of using a credit card, a detailed report on the status of the account and debt arrives. If the required amount is paid within 20 days of the current month, interest for use will not be charged.
To order a credit card from Sberbank, you need to provide the following documents:
- Identity card (passport);
- A written certificate from the place of work confirming solvency (it should indicate reporting for six months);
- A document confirming payments to the Pension Fund;
- Employment history;
- Labor contract;
- Document explaining the type of activity (license, etc.);
- Certificate of individual entrepreneurship (upon request).
There are a number of requirements for the borrower himself. The total length of service must be at least 12 months over the past 5 years, as well as at least 6 months at the current place of work.
What to look for when choosing a card
In addition to the above characteristics inherent in each type of card, Sberbank plastic cards also have means of protection against fraudsters. Each card has a PIN code that cannot be communicated and shown to anyone.To protect your card from fraud as much as possible, Sberbank offers to use it. The insurance policy can be issued at the bank branch or simply online. The procedure takes several minutes. Such protection is valid for 12 months. However, it should be noted that the insurance period officially enters into force two weeks after the payment of insurance.
Sberbank and VKontakte social network launched a youth project. The bank has a group of SberKot and a chat bot that sends financial advice and gives stickers. After the first message, you will have access to four of the 24 stickers, each next tip will be accompanied by another cat from the set.
The project will run until March 18, 2018. During the action, VKontakte users will receive congratulations and birthday presents from Sberbank. In addition, they will be able to send free gifts to their friends within 30 days after the congratulation. By linking their Sberbank card to a profile on a social network, VKontakte users will receive any full set of stickers catalog for free. There may be more options during the action period.
The project is expected to reach over 15 million people. Now in the group of SberKota consists of 326 thousand participants. "When they made the integration of the bank with VKontakte, several hundred thousand people used the service during the day," the press service said.
Sberbank serves more than 9 million customers under the age of 25. Over the past year, their number has grown by 6.4%. The number of active debit cards of Sberbank for these customers exceeds 10 million.