What are the cards in the mastercard. "Visa" or "Mastercard": which is better and what is the difference? "Visa" or "Mastercard" in Europe
V modern society the use of plastic cards has become commonplace. It is very comfortable and convenient for people. They can be used to pay, withdraw money, use it as credit cards, etc. Each person himself determines what he needs the card for. But this is what payment system not everyone knows better to choose. Of the many types, the most common are MasterCard and Visa. The differences between them are insignificant, but they are.
MasterCard and Visa
These are the largest payment systems that occupy the leading positions today. Almost no one doubts their reliability. But many ask the question: "" Visa "or" Mastercard "- which is better?" The largest number of terminals is in the Visa system. But wherever Visa service is acceptable, MasterCard is also supported. The consumer qualities of these payment systems are almost the same. The cards of both MPS are usually subdivided into initial, intermediate and premium levels.
"Visa" payment system cards:
- Visa Electron;
- Visa Classic;
- Visa Gold, Visa Platinum.
Payment system cards "Mastercard":
- Maestro, MasterCard Unembossed, MasterCard Electronic;
- MasterCard Standart;
- MasterCard Gold, MasterCard Platinum.
First you need to figure out what are the similarities between Mastercard and Visa
Both in Russia and abroad they mainly use these payment systems. But everywhere everyone compares "Visa" and "Mastercard". Which is better - it is impossible to answer unequivocally. In terms of their functionality, they are very similar to each other. Both of these payment systems are represented in a huge number of outlets. They are accepted for payment in almost all institutions.
Their main features:
- The highest level of reliability of all operations performed with the card.
- Fastest payment processing speed.
- There are very few technical failures.
- High level of support.
- Same annual service fee.
The main distinguishing features of "Mastercard" and "Visa"
There is no particular and significant difference between them. From a technical point of view, they do not differ at all. Differences between them can only be revealed when faced with certain situations.
Cases when the differences between "Mastercard" and "Visa" are clearly expressed:
- Using cards of different levels.
- Partner banks hold promotions related to payment systems.
- During conversion Money.
- When paying for purchases via a terminal or the Internet.
Which is better: "Visa" or "Mastercard" of Sberbank?
Sberbank is the most popular financial and credit institution in the Russian Federation. Therefore, the bank offers its customers cards of only proven and effective payment systems, which include "Visa" and "Mastercard".
In the list of products, Sberbank offers all available data cards of payment systems. Starting from ordinary payment cards, such as Visa Electron, and ending with credit plastic cards, such as Mastercard Gold. According to certain parameters, the cards are very similar. But even if a bank employee claims that there are no differences between payment systems, the client will always wonder which is better - "Visa" or "Mastercard" of Sberbank. They are very similar to each other, only the conditions of their acquisition differ.
Sberbank cards of the same level cost the same and are served under equivalent conditions. Basically, they can only differ functionality, but the bank has nothing to do with them.
Sberbank has very convenient debit cards from the "Visa" payment system. A card such as Visa Aeroflot enables its holders to accumulate bonuses, which can later be used when buying plane tickets.
For those who are not indifferent to the plight of people, there is a Visa card "Give life". With each purchase made with this card, part of the funds goes to charity.
In joint cooperation, Visa and Sberbank offer a fairly large number of different programs. “Mastercard” is a little behind in this regard. He only offers an MTS card. The bonuses accumulated on this card can be used to pay for call minutes, sms, etc.
When asked which card is better "Visa" or "Mastercard", Sberbank employees unanimously answer: Visa. This payment system is preferred only because of its versatility in the bank.
Which payment system is better suited for paying for purchases through a payment terminal?
In this regard, there is a difference between the Visa and Mastercard payment systems. It lies in the fact that for Maestro cards it is necessary to enter a PIN code when making a purchase operation, but for a Visa Electron card, entering a code is optional. In such cases, everything depends on the payment terminal located at the point of sale. If this updated model terminal, then MPS "Visa" has a slight advantage over "Mastercard". Very rarely there are cases when, on the contrary, the "Mastercard" does not require the introduction of a PIN-code. This, for example, applies to a card such as MasterCard Unembossed.
And yet, in this matter, one cannot be completely convinced which is better, "Visa" or "Mastercard". After all, entering a four-digit code will not be difficult.
Which payment system is more convenient to pay for purchases via the Internet?
The choice of a payment system for purchases via the Internet depends on the ways in which customers most often pay. If you need to enter a security code when paying, then you need to take into account that, for example, Maestro cards Momentum this code on back side is completely absent. MasterCard Electronic also does not support the function of paying for purchases via the Internet.
Visa Electron in this regard differs only in that the option of payment via the Internet is enabled only if the issuing bank deems it necessary. And if this function is not enabled, then it will not work to pay with it.
Therefore, it is inappropriate to compare "Visa" or "Mastercard" in this category. What is better for everyone to determine for himself.
The only thing to consider is that MasterCard Unembossed will be a convenient solution. Only she has a special security code - CVC2. It is required when conducting transactions without a card. It is with its help that you can easily pay for purchases via the Internet.
All these nuances apply only to entry-level cards. But they are mainly used in Russia in the framework of salary projects.
"Visa" or "Mastercard" in Europe. What is the best fit for use?
In Russia, it is customary to refer "Visa" to the dollar, and "Mastrcard" to the euro. Banks, of course, can open two foreign currency accounts for one payment system, but this is not profitable for them. Therefore, in practice, this is extremely rare.
When converting currencies, the main thing is not to lose money. It is for this reason that before traveling to Europe, many ask the elementary question, which is the most advantageous card- "Visa" or "Mastercard". What is the best fit for use in a particular country? And here the answer is obvious. If you convert currency through the "Visa" payment system, then rubles will first need to be converted into dollars, and only then only into euros. In this case, double commission will be paid. Therefore, for Europe it is better to choose the Mastercard payment system.
The commission for conversion operations will be in any case. But the "Visa" it is much higher than the "Mastercard".
It should also be borne in mind that certain cards simply cannot be used abroad. This applies to entry-level cards. For Visa Electron and Maestro cards there is such a service as “Individual special treatment”. If it is connected, then the card can be safely used abroad. The only thing: before the service is activated, you need to specify the countries where the card will be used. The Maestro Momentum card does not have this option.
Another important point when choosing a payment system is the conversion rate. You can recognize it from "Mastercard" by the fact, and from "Visa" it is open.
Premium cards
Compared to other distinctive features in this category, the "Visa" and "Mastercard" payment systems differ significantly. This is mainly seen in the presence of additional services.
"Visa" slightly surpasses "Mastercard" in terms of the number of services. She has a fairly wide service:
- Emergency assistance in case of loss of the card.
- Medical assistance by phone.
- 24-hour concierge service.
- Legal assistance.
- The program of discounts from partners "Visa".
As for the "Mastercard", the number of required services is small:
- Emergency help if the card is lost.
- Loyalty program from partners of the Mastercard company.
All other services of the MPS "Mastercard" are connected at the discretion of the issuing banks, of course, for a fee.
In this segment, you can immediately see which is better - "Visa" or "Mastercard". Definitely Visa, as it has a convenient and more advanced service.
Which payment system is better?
When answering the question, "Visa" or "Mastercard" - which is better, everyone should compare all the pros and cons. It is necessary to accurately understand for what purposes the map is needed.
Travel lovers should decide which system is more profitable for them. This is necessary in order not to overpay large commissions when converting currencies. The most convenient solution for such people would be to establish cards with two payment systems. And if you plan to use the card only within Russia, then in this regard it makes no difference which payment system to use.
And if there is a choice, which card is better "Visa" or "Mastercard" of Sberbank, then in such cases the client will only have to rely on his preferences. But if a person loves a double benefit in everything, then the "Visa" system will be close to him. By purchasing a card from the bank of this particular payment system, you can get more additional opportunities.
To pay for purchases via the Internet, the Mastercard payment system will be more convenient. Only this MPS has the ability to pay for purchases without a card. But this only applies to entry-level cards.
Which payment system to choose - everyone must answer independently. The choice will depend on consumer preference. Be that as it may, each payment system is good in its own way. Therefore, you need to be guided only by your desires.
Payment system - a commonality of methods and tools used to remittances, settlements and regulation of debt obligations between participants in economic turnover. In many countries, they differ significantly from each other due to the versatile provisions in the levels of economic development and the peculiarities of banking legislation.
Varieties of payment systems
All payment systems are divided into two types: international and local.
- The first type includes Visa and MasterCard, Diners Club and American Express.
- The second type is represented by "Sbercard" (cards are accepted only in "Sberbank" and in partner organizations), Union Card, NPS and others.
The higher the status of the settlement organization, the more places its products are accepted. Usually, the type of payment system does not affect additional expenses card holder. So, Visa and Mastercard - what to choose?
Payment system Visa
Visa International Service Association is the world's leading dollar-based payment system, so all currency conversion transactions go through it. The priority in the work of this company is given to the development of the market credit cards. Trade turnover totals approximately $ 4.8 trillion a year. This system is listed in 30 million trade and service companies in more than 200 countries around the world. It is served by one million ATMs worldwide. The number of institutions that are members of the system in total amount reads off scale for 20 thousand units. It is the Visa company that owns more than 50% of the turnover of funds of payment organizations around the world. The number of issued cards hovers around 2 billion. In Western countries, POS terminals are located in almost all major stores or restaurants. With a Visa card with you credit funds or with a non-zero debit account, everyone can pay for goods and services in a non-cash way, of course, subject to the availability of banking equipment of the required level. System advantages:
- access to money around the clock anywhere in the world, as well as via the Internet;
- the ability to transport currency across the border without being subject to the customs declaration procedure;
- instant, commission-free, withdrawal of funds from the card (for this you need to make a payment at the POS terminal) around the world;
- the ability to transfer certain amounts to various accounts, as well as many other services.
Visa in the Russian banking market
Over the past ten years, the market service Visa in Russia was one of the most dynamic. many employees of enterprises and organizations have, and the form of non-cash payments is becoming more and more acceptable and desirable. Today, on the territory of the Russian Federation, it is almost impossible to imagine any large supermarket or car refueling station without a POS terminal capable of accepting payments from this company for non-cash payment.
Payment system MasterCard
MasterCard International is an international payment system that unites more than twenty thousand financial institutions in more than two hundred states. The main goals of the company:
- servicing the estimated needs of individuals and legal entities;
- implementation of card emission programs that are issued under the brands MasterCard, Maestro and Cirrus.
The priority area of development for the present stage become electronic payments on the Internet.
In 1966, several banks in the United States signed an agreement to create the Interbank Card Association. By 1968, the company began cooperation with the Eurocard payment system. The name MasterCard itself was approved only in 1979. In 1980, this organization took a leading position in the world market - the number of cards issued reached 55 million. By 2006, the system was recognized as one of the most effective and reliable. More than 25% of the world's bank cards belong to this company. Currently, MasterCard carries out over 23 billion transactions annually.
There is a special service for card users - mobile app MasterCard FAVORITES - the phone allows you to view up-to-date information.
MasterCard system in Russia
The use of MasterCard in the territory of the Russian Federation is becoming more and more intensive every year. Russia is considered a promising state for expanding the functionality and development of this payment system. Over the past few years, MasterCard has no longer significantly separated from the leading company in the non-cash payment sector - Visa. 38.5% plastic cards on the Russian market are owned by MasterCard. Total amount there are about 27 million of them. Sberbank, TrasCreditBank, MasterBank and Russian Standard cooperate with MasterCard.
MasterCard and electronic payments
In 2013, the amount of online payments in the MasterCard system increased by 25%. There has also been an increase in the number of users who have expressed their intention to purchase cards for online payment. The range of services provided in this industry is actively developing. The company's management intends to create its own service (PayPass Wallet) as an electronic wallet. Its implementation is still only planned, but many Internet resources have already announced their intention to connect payment for sites using this type of calculation.
How to get a payment system
The way to get Visa and MasterCard is quite simple:
- contact any of the banks in the world that support this system;
- in the presence of identity documents (usually a passport), conclude an agreement on the provision of services.
As for the cards themselves, they can be both debit and credit.
The first type is those on which you can use only the amount transferred to them. In a situation when the funds on the card have run out, they must be transferred to your account for further consumption of the services offered by the system. At the same time, there are cash limits, which are problematic to increase.
Credit cards are more profitable to use - all payments are covered by a certain amount issued by the bank. It is only necessary to pay off the debt before the expiration of the term, and then the money for the loan will again accumulate on the account. Most of the cards on the territory of Russia are exactly debit cards, unless another option was expressly provided for in the agreement.
Network settlements
Not all of the international ones can be used to pay for services and purchases on the Internet. For the Visa card system, it is Visa Gold, Visa Classic and higher, or specially created for the Visa Internet network, which is an analogue of Visa Classic. Using the card, you can withdraw money in terminals, but payments on the Internet are not available if there is no CVV2 on it. Also designed specifically for online transactions and in order to increase user confidence in commerce over the network.
For the MasterCard payment system, for online payments, MasterCard Standart and higher are suitable. A Master Card Maestro (debit) card, similar to Visa Electron, is used only for offline transactions (it does not have CVC2).
If the sites indicate Visa Electron or Maestro as one of the methods of replenishment / withdrawal of funds, then in this case it refers to payments using various foreign electronic payment systems similar to Moneybookers, or to cards issued by certain banks in the West (having or CVC2) ...
Visa and Mastercard systems in Russia - current situation
During the current situation in Ukraine on March 21, 2014, some Russian banks were imposed by some systems (in particular, Visa and Mastercard) sanctions. The cards ceased to function in retail outlets and stationary machines for dispensing money. The most annoying thing is that Visa and Mastercard blocked the payment system without any warning. About half a million cardholders of these companies found themselves in a quandary. But, as you know, these organizations are interested in further cooperation with The Russian Federation, and therefore, two months after the incident, international payment systems and the government agreed to continue the work of companies in Russia. During the negotiations, amendments were made to legislative framework RF "On the National Payment System": foreign corporations undertake to quarterly place collateral contributions in the special accounts of Sberbank in the amount of a quarter of the daily money turnover systems (i.e. about $ 100 million for each).
In the future, it is planned to integrate Visa and Master Card in Russia into the national payment system. This will create two different organizations. A bill on this topic has already been submitted to the State Duma of the Russian Federation. Another issue is that the transfer to a unified national settlement system all its participants will take more than one month. But this necessary measure must be carried out for a safer economic situation in the country and the protected position of every citizen of Russia.
Bank card when paying for goods or services on the Internet. This secret code is better known as CVV2 (for Visa cards) or CVC2 (for MasterCard cards), consists of 3 digits and is present on the back of almost all bank cards with some exceptions. Consider further the main purpose of the security code and its location on the cards of various payment systems.
What is security code CVV2, CVC2, CID
If you made payments on the Internet at least once (only not through the Internet bank, but, for example, when paying on the website of an online store or when replenishing a cell phone account), then you had to get out your credit (or payment) card and fill out a form payment on the site with its details. Usually asked to enter the card number, name of the holder, expiration date and secret code.
You may come across different names for this code, but its purpose is always the same - it is an additional security element that ensures the security of payments on the Internet or in any other remote way (without the presence of the card and its owner during the payment).
A less well-known method of card payments is the so-called Mo / To (mail order / telephone order) - an order by mail or by phone (subscription to periodicals, etc.), which is not developed in Russia due to its insecurity (card details are sent by letter , by phone or fax).
By the value of this code, bank card authentication... It is not present in the information on the magnetic stripe or in the chip, you will not see it on the receipt and it cannot be changed like a PIN code. This is secret information that cannot be read from the card, but it can only be transmitted by the cardholder himself (only during payment on the website). If the card data is stolen on the Internet (see security aspects below) or it is stolen, the attacker becomes aware of the card details, including its secret code, after which it will not be difficult for him to withdraw all your money. Fortunately, additional technologies have appeared, such as 3d-Secure, which significantly increases the security of online payments.
IMPORTANT! Do not confuse a PIN or card number (last digits) with a security code (card authentication code).
Each payment system has its own name for the secret security code.
- for VISA it is a code CVV2(Card Verification Value 2);
- at MasterCard - CVC2(Card Verification Code 2);
- from American Express - CID(Card Identification).
The name of CVV2 / CVC2 contains the number 2 due to the presence of the CVV1 / CVC1 (or simply CVV / CVC) code, which is used to verify the authenticity of the card when paying directly with a card at retail outlets. The CVV or CVC is generated by the credit or debit card issuing bank and encoded into its magnetic stripe.
American Express cards are rare in Russia, there are a number of international payment systems (for example, the Chinese UnionPay), but we will not consider them due to the fact that they are practically absent in the Russian Federation.
Other variations of the security code names: Credit Card ID (CCID), Card Verification Data (CVD), Card Verification Value Code (CVVC), Verification Code (V-Code, V Code), Card Code Verification (CCV).
If the security code is not on the card?
Not all cards have a code for verifying its authenticity. For example, it is not available on entry-level debit (payment) cards VISA Electron, Mastercard Cirrus Maestro, MasterCard Electronic.
They are not intended for payments on the Internet, but are used to withdraw cash from ATMs or to pay for goods and services at retail outlets. Although, for example, with the release of VISA Electron, the CVV2 code is still generated, although it is hidden on the card, and the possibility of payment on the Internet is determined by the bank that issued this card (check this possibility when registering the card).
On the other hand, you have the opportunity to pay with such cards only in those online stores that support the appropriate payment system (for example, Maestro) - they will accept payment without entering the CVV2 / CVC2 codes, but this option is very rare. Mostly classic, gold, platinum cards: Visa (Classic, Gold, Platinum) and MasterCard (Unembossed, Standard, Gold).
Where is the card security code
Three-digit code CVV2 / CVC2 (Visa / MasterCard) located on the back of the card on a paper signature strip and located after the card number, usually the last 4 digits of the number are indicated there (see the material on for a more detailed study of the elements of your card). American Express cards already have four digits and are located on the front side on the right.
On virtual map(issued virtually and used for safe, usually one-time settlements, do not have a material medium) CVV2 or CVC2 can be recognized either by phone in the form of an SMS message or you will see it on the screen during registration.
Examples of the location of the security code:
1. Security code on the Visa card
2. Security code on the MasterCard card
3. Security code on American Express card
Security aspects of online transactions
For the owner of a card (especially a credit card), security when making online payments on the Internet is important. The security code is one of the ways to ensure it, but he cannot protect against the theft of money from.
The thing is that an attacker only needs to know the details of the card (they are all present on it) to gain access to the money. They can get them using the so-called social engineering (for example, phishing), when, under the guise of messages from official and well-known sites (portals, services), scammers massively send letters with a request to provide their passwords, logins, including credit card details (sending them to fake pages on the Internet), thereby playing on an elementary network and financial illiteracy of people (more about card fraud).
Having given your data in this way, you can lose all your money on the account. Not only credit card data on the network can be stolen, but also cards from wallets and pockets. In this case, the security of your money will depend on how quickly your credit card is blocked.
With the development of financial technologies, network technologies are also developing. In particular, newer versions of Internet browsers have the ability to inform about a visit to a suspicious site (anti-phishing).
Payment systems, in turn, are actively introducing new technology 3d-Secure(called: Verified by Visa from Visa, MasterCard Secure Code from MasterCard), which complements the standard methods of protecting card payments. Before each operation, a one-time password is generated and sent to cellular telephone to the cardholder (only to the number previously tied to the card, where, for example, sms are received when the SMS-informing service is connected), and payment will take place only after entering the sent password into the corresponding form.
This technology provides the highest level of security today, although it does not protect 100%, therefore it is recommended to choose banks with 3d-Secure support (by the way, according to the rules of international payment systems, each bank must have this technology implemented, which is not always done by banks ).
Cashless payments are fast, accurate, transparent and hygienic. Bank cards are rapidly replacing paper money. It has ceased to be just a means of payment, it allows you to remotely manage accounts, receive cashback, discounts, and access to private events.
Sberbank offers its customers a line of plastic media, taking into account different needs, capabilities and wishes. Cards are presented from unnamed instant issuance with a minimum set of functions to privileged ones, the service of which provides personal advice on investments, twenty-fold cashback, and a multimillion-dollar overdraft.
Mastercard Standard from Sberbank combines all the demanded functions. How is it attractive? What opportunities are useful to know about?
What is this card?
The product works in the international payment system, which serves plastic, but does not independently release it, transfers this function to various banks.
Sberbank card MasterCard Standard performs the main tasks of the payment instrument:
- cashless payments at cash desks and online stores in all countries;
- payment of taxes, fines, duties, utilities, cellular communication;
- transfers to individuals and legal entities;
- cash receipt.
From the MasterCard system, clients with standard plastic get the following opportunities:
- round-the-clock technical support in all countries;
- transfers within the payment system from minimum commission 1% (minimum RUB 25), regardless of the issuing bank; for RF important condition- both cards were issued on the territory of the country;
- cashback MasterCard Rewards;
- the possibility of transfers within the system without a commission to 17 countries without specifying the recipient's plastic number; it is enough to link cards to Odnoklassniki or Vkontakte accounts;
- incentives in the form of discounts on purchases in shops, cafes, entertainment establishments.
Additionally, holders of the MasterCard issued by Sberbank use:
- highly liquid "Thank you" cashback of at least 0.5% of the purchase amount (up to 30% within promotions);
- the possibility of contactless payment PayWave;
- a remote account in the Internet bank and a mobile application that provides full control and the ability to manage your accounts with Sberbank in real time.
Varieties of carriers in Sberbank
MasterCard distinguishes several levels among its products:
- Standart;
- Gold;
- 4 types of premium cards.
The standard one assumes a set of classic functions for comfortable non-cash payments and transfers in different countries.
Sberbank based on MasterCard Standart diversified a whole line of products. Clients can choose an offer that suits their situation.
This approach allows you to pay only for the options you need. Many people use the free version of the map.
Relevant offers:
- debit;
- credit - mass and pre-approved offer;
- Youth - debit, credit;
- - debit, credit.
Any card from the list can have an individual design.
Debit
MasterCard Standard is the most popular and demanded of the debit cards participating in salary projects commercial organizations. They were replaced by state employees with MIR in 2017.
Youth Plastic has similar functionality to the base Standard, but is available at a discounted annual cost. It can be issued only up to 24 years old.
Momentum has the least capabilities, it is able to replace a wallet for customers whose expenses do not exceed 100 thousand rubles per month. The product is serviced free of charge.
Credit
Sberbank offers to issue a credit card on general or special conditions. Every citizen of the Russian Federation aged 21 to 65 years old can apply for MasterCard Standart on a massive offer. To obtain it is important that there are no negative events in credit history... The amount of the limit will depend on the confirmed income.
Instant cards are only available with valid approval.
They have simplified terms of issue compared to the rest of the classics. Between the ages of 21 and 30, it is not necessary to prove employment and income. A certificate from the university is enough. However, the limit will be minimal, usually 15 thousand rubles.
Existing clients of Sberbank can apply for special conditions getting a credit card:
- free service;
- reduced interest on the loan;
- increased card limit.
Most users of Sberbank services accumulate some positive history and receive a credit card offer before showing their own initiative.
Regardless of the terms of issue, credit cards:
- with non-cash payment, they have an interest-free installment plan from 20 to 50 days (depending on the date of payment);
- do not provide a grace period when withdrawing through an ATM, paying for gambling services;
- offer participation in the Thank you bonus program; the service is free, registration is required.
Conditions
Let's compare the cards Sberbank MasterCard Standart:
Debit | ||||
---|---|---|---|---|
Standard | Youth | Contactless | Momentum | |
Service for the first year, rub. | 750 | 150 | 900 | Is free |
Service for subsequent years, rub. | 450 | 150 | 600 | Is free |
Additional card | Yes | No | Yes | No |
Validity | 3 years | |||
Currency | Ruble, US dollar, euro | |||
Reissuance in case of loss and change of full name, rub. | 150 | 250 | Issued free of charge new card linked to a new account | |
Cash withdrawal from ATMs of third-party banks | 1%, at least 100 rubles. | 1%, at least 150 rubles. | ||
Commission for cashing in excess of the limit | 0,5% | 0,75% | ||
Daily limit for cash withdrawal by card | 150 thousand rubles. | 50 thousand rubles | ||
Monthly maximum issue | RUB 1.5 million | 100 thousand rubles | ||
Monthly limit on payment for plastic | Not provided | 100 thousand rubles | ||
Full package price mobile bank, rub / month | 60 | |||
Age limit, years | From 14 | 14–25 | From 14 | |
Cash withdrawal in case of problems with the card abroad | Commission 6 thousand rubles. for each transaction, the maximum amount is 5 thousand US dollars or the equivalent in another currency, within the limits of the card balance. | Is not provided |
Credit | ||||
---|---|---|---|---|
MC Standard pre-approved | Momentum | MC Standard Bulk Offer | Youth | |
Age, years | 21-65 | 21-30 | ||
Credit limit, thousand rubles | Up to 600 | Up to 300 | ||
For existing clients only | Yes | No | ||
Annual service according to the tariff, rub. | Is free | 750 | ||
Service in the first year for those who have issued plastic in 2018 | Is free | |||
Validity | 3 years | |||
Currency | Ruble, US dollar, euro | |||
Re-issue upon loss, upon change of surname, first name, rub. | 150 | Is free | 150 | |
Loan rate,% per annum | 23,9 | 27,9 | ||
Penalty fee,% per annum | 36 | |||
Issuance at Sberbank ATMs | 3%, at least 390 rubles. | |||
Cashing out at third-party ATMs | 4%, at least 390 rubles. | |||
Limits: | ||||
daily allowance, at a Sberbank ATM, rub. | 50 thous. | |||
total per day, rub. | 150 thous. | |||
Emergency receipt abroad in case of problems with the card | Maximum amount of USD 5,000 or equivalent, limited by available funds. Commission 6 thousand rubles. | |||
Mobile bank | Is free |
The price of an individual design for any Standard is 500 rubles for the initial application and 450 for each subsequent application, for a re-release.
Service cost
The basic version costs 750 rubles per year, specific categories the bank offers preferential terms for its clients; an additional fee is charged for the possibility of contactless payment. Details in the table above.
Cash withdrawal limit
MC Standart Momentum has the smallest debit limit - 50 thousand rubles per day, 100 thousand per month. From the rest, you can withdraw up to 150 thousand daily, up to 1.5 million monthly. Cashing out in excess of the limits is allowed within the available balance with payment of a commission of 0.75% for Instant Plastic, 0.5% for other debit cards.
Credit cards of Sberbank MasterCard Standard have no monthly limit, the daily limit is 150 thousand rubles. General credit limit set individually, depending on the confirmed income and banking history, for cards on the general offer it is limited to 300 thousand rubles, for pre-approved ones - 600 thousand.
Bonuses and discounts
And also Sberbank offers to connect the "Thank you" cashback. Points will be automatically accumulated on a separate bonus account with each card payment in shops, cafes, gas stations, hairdressers and other establishments. Minimum size 0.5% of the purchase. When paying with points, the course is 1 Thank you = 1 ruble.
The bank has a large number of partners who regularly hold promotions and award increased points. The list of companies and their offers changes frequently, check the Sberbank website for up-to-date information. In the program section Thank you for a few filters. Select your region.
The site introduces the participants, their rules, which of the partners accrues bonuses, in what amount, who accepts them for payment, on what conditions.
To participate, the client needs in a convenient way- via the Internet bank, mobile application or ATM - in the Thank you from Sberbank section:
- provide your phone number;
- confirm agreement with the rules.
The payment system has its partners, including cinema, restaurants, shops. They offer discounts for cashless payments. The official website of MasterCard provides an up-to-date list of shares. Holders receive discounts simply by paying with a card.
In addition to numerous high-quality household items, care products, toys and other things, the assortment is widely represented by certificates of chain stores and salons for different amounts. For example, Euroset 3000 rubles, Mediamarkt 5000, Children's World 1000 or 3000 rubles, Sportmaster, Adidas, etc.
How to get the
At any branch of Sberbank that works with individuals, you can apply for a registered MasterCard Standart. To issue a debit card, a passport is enough, in the case of temporary registration, also a certificate.
Considering the possibility of issuing credit plastic, employees analyze your solvency. If you do not receive a salary at Sberbank, provide a certificate of income.
You will be informed about the approximate production time of the card. On the day of her arrival at the department, you will receive an SMS notification, you can pick it up by presenting your passport. You will also be informed in case of a negative decision to issue a card.
You can pick up the unnamed Momentum on the day of contact. The debit card is issued within 10 minutes based on the passport. To issue a Credit Momentum, in addition to a passport, a valid pre-approval is required. The absence of a name on the front side of the plastic does not prevent payment via the Internet.
Pros and cons of the card
Among the advantages of Standard MasterCards, we note:
- the ability to pay for purchases in retail, online stores in most countries of the world;
- attractive cashback from Sberbank, as well as from MasterCard;
- discounts from partners;
- the presence of the basic MC Standart, as well as its varieties, calculated for different target audience;
- possibility free transfers between clients of Sberbank, between clients of MasterCard issued by different banks in the Russian Federation, via social networks;
- minimum commission of 1% for transfers within the payment system, regardless of the issuing bank in the Russian Federation.
Disadvantages:
- impossibility of payment in Crimea;
- high interest rates on loan products.
Some of the properties of standard cards are perceived as disadvantages by some customers. We'll call them features and see what users say about them.