One account for two cards. Duplicate Sberbank card, two or more cards per account: how it works, benefits, how to open, limits and restrictions
Large banks have introduced a service in which they issue not only a plastic payment card Visa systems Classic and Mastercard, but also optional. The second card has free service or more low level. In any case, it is attached to the owner's account and is completely dependent on him. Why do we need a card that duplicates the main one, tied to the same current account with it? Does it make sense to make it? Should I agree to the offered service of the bank to open another card?
Often, spouses or family members are faced with the situation that there is only one plastic card, but two people need it at the same time. What to do?
The solution is simple - order two cards for one account. Both will be issued to one bank account, the owner of which opens access to it to authorized persons by opening an additional card. It is not required to collect a package of documents, it is only necessary to present the passport of the person for whom the credit card is registered. The duplicate shows his name, and the person receives money from ATMs and pays for goods in stores and outlets, if necessary, shows a passport for identification.
This is the same plastic card for the same current account of the client as the main one. It does not have to be registered with the owner. An additional card, if desired, can be opened in the name of a spouse (wife), children, relatives, individuals who are granted the right to use the money on the account. If the owner does not grant the right to dispose of them completely, he has the right to establish restrictions.
Important. An unlimited number of additional accounts can be linked to one account.
How the additional card works
Since all persons on whom it is issued do not own a current account, they do not control operations on the main card. They only have access to money, and even then in the amount provided. If the owner of the main card of Sberbank opened an additional card for his wife and limited the limit, she can only spend the allocated amount.
The duplicate, of course, belongs to the person whose initials are on the plastic. He is also informed of the PIN code for transactions. But the plastic card, anyway, is registered with the person who owns the account. After all, all operations are tied to his personal account, and it is the owner who is responsible to the bank.
By opening an additional Sberbank debit card, the whole family uses bank account, without sharing the budget and without saving on maintenance. In this case, one of the family members has the main one, and the rest have duplicates.
What do you gain with this arrangement?
- The cost of banking services for the year will be much lower than when servicing the main cards for all family members.
- You can open a duplicate for children by setting a one-day withdrawal limit.
- When owning one current account, the budget between the spouses is divided fairly and becomes transparent: it is clear from the transactions of all cards where the money went.
Important. Sberbank offers customers favorable issuance terms additional cards: the cost of issue and maintenance for the first year is 450 rubles, for all subsequent years 300 rubles each, and the number of additional cards for one main plastic is not limited.
Steps to open an additional card in Sberbank
How to customers government organizations issue an additional card in Sberbank? To do this, it is necessary that the authorized person is 18 years old, and the relative is at least 14 years old, i.e. he must have a passport. It is not required to have Russian citizenship. Children from 10 to 14 years old are allowed to issue an additional card tied to the main close relative - parents or guardian. An outsider opens an additional one in the name of the child, having received the written consent of his parents.
Parents open to the child an additional one that provides useful opportunities. First, he pays by card instead of cash. So it is safer to shop online or in stores. Secondly, transactions can be monitored by receiving SMS messages. Thirdly, the additional card does not have its own account, and parents always find out about their children's purchases according to the state of their balance. Fourth, it is not necessary to give the child access to all means. You can impose restrictions so that he does not spend more than desirable. The limit set for the child is updated monthly. They issue a card for the child at the branch of Sberbank, having come with a passport and a birth certificate of the child. It takes from three days to two weeks to issue an additional card. Bank employees will inform about its readiness by phone call or SMS. It is issued to parents.
For release to other family members or trusted individuals:
- contact the bank branch where the main card and account are opened;
- fill out an application with a request to open an additional one for someone from the family or a trustee;
- to receive the issued card, come along with the person for whom the duplicate is issued.
What limits and restrictions on payments and cash withdrawals are allowed from an additional card of Sberbank
Important. Sets limits on operations carried out from a duplicate, at the discretion of the owner of the main card:
- The limit on withdrawing money through ATMs from additional cards for a period of 1 month is limited.
- For the same period, a limit on non-cash payment for purchases is set.
- A general limit is set for receiving cash through the terminal and payment from the card for non-cash purchases for the same period.
According to customers of Sberbank and other banking organizations, issuing additional cards is a convenient and safe tool for managing the family budget, saving on banking services throughout the year, and for monitoring transactions from the main balance.
A plastic card is a multifunctional payment instrument that simplifies a person's life. Today, almost everyone has it.
Large banks, when opening debit media, offer to additionally issue a plastic one on lower and more favorable terms of service. An additional Sberbank card to the main one, as a rule, is tied to the owner's personal account, and allows you to conduct transactions with the money available on it.
What is the purpose of making a duplicate? Why might it be required if it is tied to the main account? Let's take a closer look at these issues.
Features of additional cards
An additional card is understood as such a plastic carrier that issues banking organization linked to the main client account.
The main requirement for its issuance is that a person must have a main card previously issued by Sberbank.
Characteristic features of such carriers:
- A copy of the main card can be issued not only to the name of the account holder, but also to other individuals, for example, close relatives.
- Persons who received another name card, dispose of money in accordance with the instructions of the account holder. For example, it can either provide complete material freedom or set certain limits and restrictions.
- Restrictions on a duplicate can only be set by the owner of the main account.
Most of the organization's clients are interested in how many Sberbank cards can be issued for one person. Today, the number of additional plastic media is not limited to the issuing party. The client independently decides how many copies of the payment instrument he needs. However, in rare cases, the number of cards may be limited to the package of services within which the main plastic was issued.
Principle of operation
How does an additional Sberbank card work? It was previously noted that it can be opened in the name of a third party who is not the main account holder. At the same time, it is important to mention that the owner of the duplicate does not get access to the main plastic, and cannot dispose of the funds stored on it.
The rights of a trustee include only the ability to manage the finances that are available on a fixed current account, while observing the established limits.
Example: the owner of the main card issues its duplicate for his wife, setting a monthly limit of 40 thousand rubles. Therefore, when making purchases, the wife will not be able to spend more than the specified limit.
Legally, the second card is registered with a trusted person, since his initials are indicated on its front side. However, in fact, a copy is assigned to the account holder, since all transactions monetary transactions pass with reference to his card.
In this regard, the responsibility to Sberbank for the operation of both cards rests with the owner of the main one.
Release rules
You can bind the second plastic carrier to certain categories of cards. To date, Sberbank is issuing duplicates:
- instant payment systems - Visa Electron and Maestro;
- pension;
- salary;
- youth MasterCard, Maestro, etc.;
- Maestro student cards.
It is noteworthy that you can order additional media only within the framework of the MPS - Visa and MasterCard. Opening a duplicate of the plastic WORLD is not possible at the moment. It is also impossible to get a copy of a credit card.
Step-by-step instructions on how to order a copy of a plastic carrier:
- Contact the bank branch. You must have a document confirming your identity with you, as well as a passport of the person in whose name you are going to open it.
- Explain your problem to the employee, fill out a standard application.
- Please wait while your application is being processed. As soon as the plastic is ready, an employee of the organization will contact you.
- Pick up the card at the selected branch.
The payment instrument production time ranges from 3 business days to 2 weeks.
You can apply for a second or third card only at a bank branch, submitting an application online through Personal Area impossible. At the same time, it is necessary to understand that it is not an exact copy of the main payment instrument.
Key differences between duplicates:
- room;
- secret pin.
Otherwise, the additional card has the same characteristics as the main one. They have the same currencies and expiration dates, and are decommissioned at the same time; belong to the same payment systems.
Release Features
As noted above, an organization has the right to issue two (or more) cards to one account with Sberbank. A potential holder of a repeated card must be at least 14 years old, when he already has a passport of a citizen of the Russian Federation in his hands. Parents who want to give their young child the right to manage money can also combine Sberbank cards. In this case, the minimum age is 10 years.
When applying for a duplicate, they are required to provide the children's birth certificate.
Benefits of duplicates
Issuing additional cards has its merits.
For example, a duplicate of the main card can be ordered for a child, which will enable him to make cashless payments for purchases on his own.
- The parent has the right to regulate the child's access to money by setting certain restrictions. You can do this at the branch of Sberbank.
- Additional copies allow you to make secure online purchases. The payment instrument has certain limits, so attackers will not be able to access all of your funds.
- The owner of the main card can track the activity of the additional card, check its balance for free using mobile bank. The service is also connected in the Sberbank branch.
- Reduced annual maintenance cost.
It is worth adding that the limits are updated monthly, freely regulated by the owner of the main card.
disadvantages
The second card is not an independent means of payment, it has a number of limitations and disadvantages, which are presented below.
- The duplicate does not have its own account, it is assigned to personal account the main instrument of non-cash payment.
- Connection of any services and options to it takes place exclusively in bank branches.
- The holder of the duplicate will not be able to use the Sberbank-online service.
- The duplicate does not imply the possibility of cashless transfers. With its help, you can only pay for purchases and withdraw cash from an ATM.
- It also cannot transfer money from third-party sources.
Thus, additional cards have a number of significant drawbacks. Therefore, deciding to combine plastic media, weigh the pros and cons. Perhaps it makes sense to issue another primary means of payment.
FAQ
Can I make an additional card for another person?
Yes, you can. To get another duplicate card, you need to contact the bank branch by filling out the appropriate application. In this case, the plastic is linked to the main account of the holder.
Is it possible to have two Sberbank cards with different accounts?
Yes, you can. The client has the right to open several accounts in Sberbank (not only personal, but also loan), linking different cards to them.
Conclusion
In conclusion, I would like to note that an additional card is a fairly convenient means of payment, which does not involve expensive annual maintenance.
At the same time, they have many limitations, therefore, before issuing, it is recommended to determine for what purposes you plan to use a plastic card and you will be able to implement them through an additional one.
Bank cards are gradually replacing cash, which suddenly became inconvenient to carry in a wallet, although there were no other options before. And no one complained. The very first plastic for many of us was salary card, which employers issued on a voluntary-compulsory basis. Now, in the pockets and wallets of citizens, two or more cards are stored, and their number in some people reaches ten or even more! And how many credit and debit cards can one customer have both in one and in various banks? Are there any regulations for this? And, finally, why do we need so many cards, if it is quite possible to limit ourselves to one debit and credit? We'll figure out!
How many debit cards can one customer have?
Bank restrictions
Let's just say that there are no normative documents regulating the number of payment instruments per capita, no. In accordance with current legislation, the bank has no right to refuse the client to open a bank account, open at least 10 accounts. And since the card is linked to the account, you can, in theory, issue several cards at once within the framework of the bank’s existing offer (different payment systems, different privilege levels, and so on).
It would seem that you can arrange them as much as you like. This is just your wish, nothing more. However, some banks still impose restrictions on the number of debit cards in one hand, for example, Sberbank allows you to issue only one.
Such restrictions are determined only internal politics bank, nothing more.
Perhaps the institution considers the design of many cards a sign of carelessness, unreliability, or inability to control their finances. In addition, the bank may suspect that a large number of cards are used for money laundering or for business purposes. The latter is known individuals is prohibited under the threat of blocking the account (and, accordingly, the card) of a client suspected of entrepreneurial activity(for example, if you accept payments from different people for your services).
The reason may be the card account. As you know, you can connect such a service to almost any debit card and sometimes go into the red. As a result, an ordinary payment instrument turns into a means to get into debt, and not everyone knows how to pay them off on time.
Advantages and disadvantages of owning multiple cards
Now consider all the pros and cons of owning multiple debit cards.
A large number of cards in a purse is not always good. And the first thing to remember is commissions. We do not pay them only for. For other tariffs, the average annual service is 500-700 rubles. So calculate how much money it will take to service a large number of cards.
But these costs can be more than paid off when you use each plastic to the maximum benefit. For example, one card gives the maximum cashback for purchases in grocery stores, another is more profitable to use at gas stations (like you get 10% for buying fuel and 5% for eating in restaurants, including fast food, and cafes), on the third, money will be returned for payment utilities, on the fourth - the largest percentage on the deposit, on the fifth - free transfers Card2Card and the possibility of free replenishment and so on.
Although it may make sense to issue one with the maximum set of options, bonuses and privileges (for example, or - there are a lot of good cards) and serve only this plastic. When choosing, pay attention to the size of the service fee and compare with other options. With today's scale of offers, finding a card with free or shareware service is not a problem.
Another nuance is your region of residence. The most advantageous options for card products are offered by those financial institutions whose representative offices are located in major cities. If there are no ATMs of the same Absolut Bank in your city, for example, then it is hardly reasonable to issue its card.
Withdrawing cash from third party devices financial organization- this additional expenses in the form of cash interest. Any advantage will come to naught once you calculate the cost of these commissions. The card itself can be ordered online and received by mail, but do you need it?
And the main inconvenience is the huge number of pin codes that you need to remember. Some, for this very reason, install on all their plastic cards the same code. Only this, firstly, is unsafe (if you lose your purse, you risk being left without all the money at once), and, secondly, it leads to no less offensive mistakes.
Here is a small case from the life of one of our authors.
I work in two companies and receive wages for 2 cards - Sberbank and Rosselkhozbank. The first card received was Sberbank plastic. Accordingly, the pin code was remembered from her. When I received the RSHB card, I decided to change the access code to the one that I already know and remember. Now imagine the situation. On the same day, I expect the receipt of money. I go to the RSHB ATM and withdraw my salary. Then I decided to withdraw money from another card at a Sberbank ATM (fortunately I go past it). I insert the card, dial the pin, enter the amount to be issued. And then suddenly the ATM gives me an alarming “insufficient funds”. How so? I know for sure that just an hour ago a colleague withdrew her salary! Everyone got their money on their cards. Why don't I have them? And then suddenly in his pocket grunted SMS-ka. I take out my phone, read “Service in the amount of 50 rubles. approved." It was then that it began to dawn on me that I had inserted the wrong card into the device. And the money was debited for checking the balance at an ATM of a third-party organization. That's it.
But let's be fair. Often an additional card comes in handy. For example:
- Constant online shopping. In order not to risk money on the main card, you can get an additional one specifically for online payments. It's best if it is.
- For travelers. There is such a type of map -. Use as regular card, but at the same time you accumulate miles, which can later be exchanged for a real plane ticket. In addition to miles, there are other bonuses from various bank partners.
- For those who want to save some money. By choosing a card with free service and accruing interest on the balance, you can periodically replenish it in order to accumulate funds. Such a reserve "for a rainy day" will be very useful, especially since it is always at hand. But only the interest here cannot be called high (although some cards offer very good interest on the balance of the card account or on a separate savings account). It is better to open a standard deposit at a higher rate.
- For lovers of cashless payments. There is a category of people who have lost the habit of carrying money in their wallets. This is understandable - why count the required amount and recalculate the change, if you can pay many times faster. Such citizens are recommended to open plastic cards with cashback. When making everyday purchases, you can return part of the money to your card account.
- For freelancers. People who make money on the Internet know that withdrawing money to cards eats up part of their earnings. Moreover, this part turns out to be quite impressive - up to 8%. Here it is recommended to open the map yourself payment system through which the withdrawal of earned funds is possible. Then the account of the electronic wallet will be equal to the account of the card, paying with which you will not lose a penny. Own cards are issued by WebMoney, Qiwi and Yandex.Money.
- For family members. You can open several additional cards to the main account LINK (usually free of charge) and distribute them to family members. For each plastic, you can set limits on maximum amount daily spending, and control the movement of all accounts from your personal online account ().
As always, there are plenty of arguments for and against. Therefore, the final decision, as always, is yours. How necessary is it for you to have multiple cards? And is it possible to simplify your life by reducing their number?
How many credit cards can one customer have?
Borrower risks
Now let's talk about credit cards. I know several people who have 3-4 cards of different banks and with different credit limits. Properly using, they almost constantly use the money of the bank, and completely free of charge.
On the one hand, the benefits are obvious. And on the other? After all, it turns out that a person almost always owes banks - first to one, then to another. And so in a circle. But at some point this circle will have to be broken. But how to do this, if there is simply no own money, they are constantly not enough? It turns out a real trap, from which it is problematic to escape.
Ideally, you should have no more than one credit card with a decent limit. At the same time, it is desirable to choose some additional bonuses. For example, the same cashback. Having met the grace period (hereinafter - LP), you will not only be able to borrow from the bank for free, but also return some of the money in real rubles or bonuses.
By the way, the duration of the LP is one of the most important parameters by which you need to choose a credit card. There are not so many cards with a large LP, but they are: Alfa-Bank, Post Bank, Ural Bank for Reconstruction and Development (UBRD). FROM detailed reviews each of the cards you can find on our website at the links above.
With a large number of credit cards, there are more temptations. It seems that you can manipulate them competently, but at some point you miss the situation, it becomes hopeless. Deeply in debt, and interest is dripping rather big. In addition, it is easy to get confused in several cards and miss an important payment date (we are talking about or about the full repayment of the debt before the end of the payment period - the payment date). For timely repayment of debts within the grace period (and this necessary condition bank for free use of borrowed money) will have to keep accounts - are you ready for this?
Bank restrictions
When issuing a loan, banks are guided by their own policies and the client. Before issuing a credit card, the bank will familiarize itself with credit history(hereinafter - CI) of the applicant, which will tell you a lot: about current delinquencies, about the client (the ratio of income to current debt) and other nuances of your "credit and financial biography" (which can be found in the CI, see the article ""). Based on the results of this check, a certain value is approved for the client. credit limit(no more than the maximum value according to the existing tariff plan) or denied.
It is curious that the assigned limit on the card, even if you do not use it, directly affects the amount of your debt load. Therefore, it is recommended to close unused credit cards in order to increase the chances of approval when applying for new loan or a credit card in any bank.
Now consider how much credit cards may be with one client on the example of some banks.
- No more than one credit card per person is issued at Sberbank, Home Credit Bank, Rosbank, Rusfinance Bank, UBRD.
- Two credit cards are allowed to be issued at the Bank of Moscow, Citibank
- Three or more cards can be issued at MTS Bank, Raiffeisenbank, Avangard, OTP Bank, Renaissance Credit, Alfa-Bank, Tinkoff Bank (1 main and 5 additional to the main account) and a number of other financial institutions.
Let's summarize. You can get as many debit cards as you like. Though in one bank, though in different. You are only limited by the expediency and internal policy of the bank. Choose the options that are best for you and use them with pleasure.
As for credit cards, here you need to be careful in everything - use credit wisely, fit into grace periods, do not miss the dates of mandatory payments, etc. The number of credit cards may be limited by the bank, based on its internal policy and your creditworthiness, it is better to find out this information directly in credit institution. BUT total amount credit cards received in various banks is limited only by the creditworthiness of the client, which is checked by each bank when issuing the first / next card.
Debit cards Tankoff are very popular thanks to favorable conditions customer service, as well as the possibility of passive income on cashback and interest. Clients can independently manage their own available funds with maximum convenience in any city, regardless of the type of ATM. However, despite all the advantages and high speed of the bank, often one debit Tinkoff cards Black is not enough for a full service.
In this case, users can issue additional bank card, which can be tied to specific types of expenses. Registering two or more debit cards will allow you to optimize your own spending, or provide access to your account to your family members. Additionally, the second card provides the ability to bypass limits on the amount of funds stored.
How many Tinkoff debit cards can I have?
When opening an account, many users do not know whether it is possible to have two Tinkoffs or whether there are restrictions in the bank. After all, the majority banking institutions in the interior they do not have the services of binding additional cards, which significantly limits the financial potential of a particular client.
Based on official information, which is located on the main Tinkoff website, each user has the opportunity to issue an unlimited number of cards and personal accounts. However, the execution of the second debit card is carried out on the condition that the new card will be used as an additional one. At the same time, the general activity of using cards should be observed.
Procedure for issuing a second debit card:
- Familiarization with the conditions on the official website.
- Submission of a written online application.
- Obtaining a second bank card.
- Carrying out in any convenient way.
In general, the procedure for issuing a second debit card does not differ from general conditions jar. Depending on the needs of the client, 1 credit and 2 debit cards can be offered. A 1 + 3 scheme is also possible, but each user must independently calculate the need for such a number of cards. After all, a service fee is charged.
Often a second Tinkoff debit card is issued for specific needs. For example: the first is used for own expenses, the second for the purchase of large goods, and the third for accrual wages. The final scheme and use cases are selected by the user himself.
Debit cards are issued mainly in multicurrency. However, you can first choose the type of currency yourself.
Issue of an additional debit card Tinkoff Black
IN bank Tinkoff An additional debit card is issued free of charge to any customer who already has a credit or any other card. The basic requirements and conditions for the procedure do not change.
You can receive a debit within one day from the date of application. However, despite the wider possibilities of personal banking, the second card will require small financial costs. According to the established rules of the bank, servicing any other card of the same type in an amount of more than 1 piece costs 99 rubles per month. Also, for additional debits, cashback from purchases is not 5%, but 1%. In general, other conditions do not change and remain similar. The user receives from 3 to 30% return depending on the amount of the purchase. However, 6% per annum for all additional cards is not charged.
In general, customers draw up auxiliary debits for the following purposes:
- Expansion of payment abilities.
- Providing access to a personal account for family members.
- Separation of cards by intended purpose.
- Increasing passive income from interest.
- Improving the convenience of storing large amounts.
- Distribution own funds.
The presence of the second will allow more rational use of own funds. After all, both accounts can be divided according to the intended purpose. For example, the first card will be used for small purchases, and the second for servicing and refueling the car. Depending on the conditions and the available amount on the account, this option is also suitable for larger goods. In this case, the client gets the opportunity to accrue additional bonuses and annual interest.
All functions (SMS alert, internet banking, mobile bank and virtual service) will be available as usual. Two debit cards are linked to one mobile number. If necessary, the user can control 2 debits through personal account on the official one. There is no need to create different accounts.
Is it worth it or not to issue a second card?
A second debit card is issued quite often. Basically, the two-card option is popular among citizens who have a significant turnover of their own funds. The usual Tinkoff debit card is controlled by limits. Depending on the type of card, the user receives a limit of up to 300,000 rubles, which is inconvenient when buying expensive goods in the form of household appliances, electronics, cars or accessories for them. Accordingly, the presence of two cards automatically increases the availability of own funds on accounts by 2 times. Debit cards with the same conditions are already able to provide 600 thousand rubles.
Usually, the use of multiple debit cards is considered popular in business circles. However, for simple clients with active banking history 2 cards can make life much easier.
To summarize:
- The second card can be issued in foreign currency, which is very beneficial when sending funds over a distance. After all, according to the bank's program, such cards have a minimum percentage.
- The second debit can be used exclusively to pay utility bills without financial intervention in the main account. The final target capabilities are determined personally by the user.
- An additional card is a convenient tool for all family members. Thanks to the auxiliary card, it is not necessary to separate family budget on the main debit. In this case, the client wins in terms of savings on card maintenance. After all, when opening an account for each individual family member, you will have to pay additional service fees.
- Authorized persons can use the card within the established conditions, which are independently regulated by the account holder. For example, if the daily limit is limited to 5,000 rubles, no one will be able to withdraw more than the specified amount without the confirmation of the owner.
- It is also possible to manually adjust all the basic requirements for use through a personal online account.