Sberbank card youth information. What is the difference between a youth card and a classic one? Additional services and reissue
Sberbank's portfolio of services includes offers that take into account the interests of all segments of the population and their needs. Among the most interesting offers for young clients are special plastic cards issued specifically for this age category. The Sberbank youth card allows you to choose one of three types, based on the client’s age: over 14, 18 and 21 years old.
Depending on customer needs, plastic can be debit or credit. The description of the parameters contains favorable service conditions and a wide range of usage possibilities. A separate advantage is the low cost of servicing international Visa and MasterCard cards, which operate not only within the Russian Federation, but also abroad.
Types of youth cards
Meeting the modern needs of citizens, the Sberbank youth debit card is issued at the independent request of young clients. To become a youth card holder from the age of 14, it is enough to be the owner of a Russian passport, first issued at this age.
For young clients, the card is available in a classic version or with an individual design. Depending on the age of citizens, the right to choose the issue of debit or credit option is assumed:
- Debit plastic for storage and use in the calculation of own funds can be issued without waiting for adulthood, from the age of 14.
- The credit card becomes available upon reaching 21 years of age, and there are no special requirements for employment. A line of credit can be negotiated even for full-time students.
Some of the advantages of the youth cooperation program in 2018 are the provision of wide functionality, participation in bonus programs and promotions supported by Sberbank and the international payment systems Visa and MasterCard.
Debit plastic covers the cooperation of clients in age groups up to 25 years old or in the range of 18–27 years old.
Ensuring a high level of protection of funds from unauthorized access by outsiders is worthy of special attention. The youth card from Sberbank Visa is equipped with a special chip. For this reason, even the loss of plastic carries minimal risks of loss of funds on the holder’s balance sheet. In the future, when you contact the nearest branch of a financial institution, a reissue will be organized.
Thus, starting from the age of 14, a young citizen has access to the broadest opportunities for independent management of his own savings; the special presence of parents in a bank branch is not required when filling out an application for graduation.
The peculiarity of the offer lies in the maximum simplicity of design and use of plastic. To issue a classic debit card, you only need a passport. Applying for a credit card is a little more complicated due to the need to conduct a simplified verification of the candidacy of a potential borrower.
The scheme for organizing the issuance of debit plastic is presented in three steps:
- Visiting the office with a passport of a citizen of the Russian Federation (everyone after 14 years is required to receive this document) at the place of permanent registration.
- Compiling a Sberbank client questionnaire (this step can be completed in advance online from the official Internet resource of the SB of the Russian Federation).
- Receipt of the product after a preliminary SMS notification about its readiness (the notification is sent to the phone number specified in the application form).
After the card is issued, the holder can freely manage his finances within the account balance through the Sberbank Online service or mobile bank. The operating conditions of the card allow you to use the card to receive transfers from individuals, employers, and government organizations.
Sberbank has developed the following conditions for the use of plastic products for young people:
- The service fee is only 150 rubles for 1 year.
- The opened card is valid for 3 years from the date of issue.
- You can reissue the card at the end of the validity period for free.
- Issue for replacement in case of loss or theft - 150 rubles.
- For those wishing to have a card with visual differences, an individual design is offered with an additional payment of 500 rubles per issue.
- Withdrawals via debit card are free of charge.
During use, the holder of the plastic card has the opportunity to freely manage funds in the Internet space. To achieve this, the bank has provided the ability to work with mobile banking and online banking. Students, students, as well as working youth can pay with a card in any corner of the country, as well as during long trips to foreign countries.
Upon reaching the age of 21, young people have the opportunity to get credit, having a certain amount of the agreed limit on bank funds. The bank puts forward a minimum set of requirements that a future credit card holder must meet:
- Availability of official income, confirmed by a certificate from the employer or educational institution (if the income is a scholarship). The document must reflect information about earnings for the last six months.
- Submitting an application is possible only in the region where the bank operates if the applicant has a permanent residence permit.
The process of considering a candidacy takes no more than 2 working days, followed by notification of the citizen about the decision made. The period allocated for issuing a youth credit card depends on the remoteness of the place of application, other circumstances and on average does not exceed 14 days.
How long does it take to make a card?
The future card holder should ask the service manager about the time frame for receiving the card. The department specialist will tell you how to check the readiness status of the plastic, based on specific circumstances:
- If you have access to Internet banking, you can find out about your readiness through your Personal Account.
- Via SMS notification to the linked mobile number.
- Come to the branch in person on the appointed date.
As a rule, Sberbank plastic is issued quite quickly, within a few days. However, custom designs can take up to 3 weeks or more.
How much does a Sberbank youth card cost?
For young people, mobility, speed, a wide range of opportunities and benefits are primarily important. If a standard issue is free of charge, then the desire to individualize the appearance of plastic entails costs - an issue in your own design will cost 500 rubles.
In the future, the tariff for servicing the card for young people will be the same and will amount to 150 rubles, which is much more profitable than issuing the usual "adult" plastic.
When planning to order an individual design, the customer should remember the established ethical framework that must be observed: any image can be applied to the plastic, with the exception of pictures with alcoholic beverages, pornographic content, and other images protected by copyright.
Raising borrowed funds involves possible additional costs, based on established lending rules:
- The funds limit is no more than 200 thousand rubles (at the discretion of the financial institution).
- The rate for using the borrowed amount is 33.9 percent on an annual basis.
- You can avoid overpayment of interest by using the grace period wisely - no interest is charged during the 50-day period for using a loan in a non-cash manner followed by quick repayment of the debt.
- If the borrower decides to withdraw money from the terminal, the commission will be 390 rubles or 3 percent of the amount.
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When collecting information about the price of servicing a youth banking product, you must remember that the tariff of 150 rubles per year is set exclusively for debit plastic.
The credit card holder should be prepared to pay 750 rubles for annual service.
It is difficult to list all the advantages of youth plastic. In addition to gaining the right to freely pay in stores, young citizens have the opportunity to make their first savings, as well as manage funds through a mobile application or the Internet. Connecting to the “Thank you from Sberbank” program allows you to receive additional benefits in the form of accumulated discount points from a wide network of partners.
The only restrictions include the age of credit card holders - it cannot exceed 30 years. There are also some conditions for using the credit and debit options.
Assessing the pros and cons of the terms of customer service, it becomes obvious that Sberbank has provided for all the basic needs for cashless spending, including the possibility of lending for those who apply for a loan for the first time and have a zero credit history.
Card production time
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 available.
When issuing a card, only working days are taken into account. If you order it on Friday evening, then the production time will be considered from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.
What documents are required to receive a card?
To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.
How to start receiving THANK YOU bonuses?
After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.
Bonuses are awarded 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 you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.
How can I use THANK YOU bonuses?
THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.
How can I find out my card details?
To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.
Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.
Is it safe to use a contactless card?
Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.
You can become a bank account owner from the age of 14. It is at this age that the Sberbank Youth Card is issued as the main one. It is a debit card and is designed for comfortable management of personal funds. From the age of 21, the bank allows you to issue a Youth credit card. Both types of cards have favorable terms of use for young people.
More about the Molodezhnaya card
This card has three varieties, which depend on the age of the applicant:
- 14-25 years old;
- 18-25 years old;
- 21-30 years old.
In the first two cases, the cards are debit. The third type is credit.
Debit cards don't make much of a difference. They have similar terms of registration and use. It is convenient to store the owner’s personal funds in such accounts.
You can also perform various transactions using a debit plastic card:
- Accept a salary or stipend for it. To do this, just provide your account number to the accounting department of your educational institution or enterprise.
- Top up your card in all possible ways: using online transfers from other cards and accounts, through ATM, through a bank branch.
- Convenient mobile account replenishment without any commissions. The procedure requires telephone, where there is an online Sberbank application. If this resource is not connected, you can use SMS banking. It's not difficult to set it up yourself.
- Interest-free cash withdrawal from your account at any Sberbank ATM.
- Payment for any services and online purchases.
- Control over the expenditure of funds using banking or mobile banking.
From the age of 21 you can also get a Youth credit card. It has a grace period of up to 50 days. The rate is 33%, and the cost of service for the year is 750 rubles. To receive, you need proof of income - for example, a certificate of receipt of a scholarship. The bank allocates a maximum of 15 thousand rubles for the first loan.
The capabilities of a credit card are completely similar to those of a debit card. The only difference is conditions cashing out funds. For this operation you will have to pay a 3% commission if you withdraw money from Sberbank terminals, and 4% if you withdraw money from a terminal of another bank.
Advantages of the “Youth” card
Youth debit card known for several significant advantages:
- Card service is 5 times lower than others - only 150 rubles. for a year;
- Possibility of using MasterCard or Visa;
- The card is valid for 3 years;
- Free renewal after the end of the period;
- Free connection to mobile banking.
You can also activate the “Thank you” bonus program, which returns up to 10% of the total purchase amount. Bonus money is intended for new purchases. One bonus earned is equal to 1 promotional ruble. Many reputable stores and services support this program.
In addition, the user has access to 24-hour service in the Sberbank Online Internet system and all types of money transfers.
Many young people earn extra money on the Internet. To quickly and conveniently receive well-deserved royalties, you can link your card to electronic wallets. There is also the opportunity to order a card with a unique design - you can choose it from the existing gallery in the bank or offer your own version. The service is paid. Costs 500 rubles.
You can order a card with contactless payment technology. Simply swipe the card over a reader with a “wave” icon - and the payment is paid. Another advantage of this card is its popularity on social networks. In particular, on Instagram. With the hashtag #everythingiseasy, you can find other users of the same card or learn about new promotions and offers from the bank.
However, there are several nuances in the terms of use:
- There is an age limit - no older than 25 years;
- Using a mobile bank is 2 times more expensive than the standard rate, and amounts to 60 rubles per month.
How to get
The Sberbank of Russia Molodezhnaya debit card is issued without the consent of the applicant’s parents. It can only be obtained by Russian citizens with registration in the country, aged 14 to 25. There are two main ways to apply:
- Visit the nearest bank branch. Card production and delivery takes 1-2 weeks.
- Leave an online application on the official Internet portal. There is a special form that you need to fill out. Sberbank employees review the electronic application within 2 business days. Then it should take about 14 days to make the card. When it is ready, the staff will contact the applicant by phone number. The card will be available get in the selected branch of the bank or order it with home delivery.
For the "Youth" card, you need a basic set of documents:
- identity card (passport of a citizen of the Russian Federation)
- a certificate certifying permanent or temporary registration in the country.
If it is necessary to issue a credit account, a certificate of income is also added to this list.
A credit or debit card is provided to both working and non-working students.
So, the “Youth” card from Sberbank is a profitable product for teenagers and students. With its help, young people gain financial independence, learn financial literacy, and can also accumulate bonuses for purchases and entertainment. Not every bank allows a teenager to fully manage their product. At Sberbank, clients over the age of 14 receive a full list of benefits and opportunities that make life more comfortable. That is why this card is in such demand among young people.
Video: Sberbank Youth VISA card
Also read the articles:
- Credit cards from Sberbank - types of conditions and interest
- - payment by receipt
Young people who have not yet turned 25 years old can order a special card from Sberbank, provided under special conditions:
- annual maintenance costs 150 rubles. - this is 5 times less than for using a regular Visa Classic;
- the ability to issue a card for minors;
- for the first 2 months “Mobile Banking” is provided free of charge;
- inability to issue an additional card;
- You can choose Visa or MasterCard from payment systems;
- connection to the “Thank you” program.
Important: the youth card bank account only supports domestic currency.
The main differences between a youth card and a regular card are a reduced rate for annual use, as well as some age restrictions. Customers can choose one of three card options:
- debit;
- debit with an original design;
- credit
Cardholders can withdraw and deposit cash, pay for goods and services directly or in online stores, top up a mobile account or transfer money to other Sberbank clients.
Sberbank youth debit card
The debit card is actively used by teenagers and young people to receive social benefits, scholarships, salaries, income from part-time work on the Internet or financial transfers from relatives.
With debit youth you can:
- deposit and withdraw cash without overpayments within the limit (per day - 150 thousand rubles, per month - 1.5 million);
- request a free account report from the bank or by email;
- pay for purchases with a smartphone using the Apple Pay or Android Pay applications;
- receive discounts at partner stores;
- return bonuses to your account from 0.5 to 10% of purchases;
- Use Mobile Bank for free for 2 months, after that – for 60 rubles monthly.
The cost of service, as noted earlier, is 150 rubles. in year.
Help: after 2 months you can change the standard “Mobile Bank” to the “Economy Package”, which does not include SMS notifications, but is provided free of charge.
Youth card with an individual design from Sberbank
On the front side of the standard youth shirt there is a girl on a bicycle against the backdrop of a sunset. For lovers of everything unusual, Sberbank offers a card with a special design that a teenager can choose himself. You just need to take the image you like from the bank’s database, find the picture on the Internet or on your PC.
The choice of future design should be approached responsibly. Publication is not allowed:
- alcohol, drugs or tobacco products;
- materials containing political or religious symbols;
- episodes from films or cartoons;
- public figures;
- people in uniform;
- copyrighted images;
- digital and text information;
- any currency;
- sexually explicit images;
- advertising.
It will take more time and money to design a card with an original design than a regular one. For the service you will need to pay a one-time fee of 500 rubles in addition to the 150 rubles annual fee for use.
With credit limit
The conditions for issuing a credit card differ significantly from debit cards:
- Only persons over 21 years of age can receive it.
- To apply, you will need to document your income. Students can bring an extract from the dean’s office proving receipt of a scholarship, and officially employed persons can bring a standard income certificate in Form 2-NDFL.
- For maintenance you need to pay 750 rubles annually.
- Cash withdrawals involve a fee (3%).
- The full Mobile Bank package is provided free of charge for the entire period of use.
Information: the initial youth limit is 15 thousand, later it can be increased at the initiative of the bank. The limit on this credit card reaches 600,000 rubles.
The bank provides a grace period during which you can use credit money without interest: 30 days are given to make purchases and 20 to repay the loan. If you pay the borrowed amount on time, you will not have to overpay.
- Interest on the loan – 27.9% (after the grace period);
- Penalty for late repayment – 36%.
Important: it is beneficial to pay for purchases with a credit card, but not to withdraw money. For cash withdrawals, a commission of 3% of the amount is charged (minimum 390 rubles) and interest is accrued daily (that is, the grace period does not apply here).
Holder requirements
In addition to the standard requirements, there are age restrictions for issuing a plastic card (citizenship of the Russian Federation and registration in Russia). From what age and up to what age can you apply for:
- for debit cards - 14-25 years;
- for credit cards - 21-30 years.
How to apply
You can apply for a Sberbank youth card online by filling out a special form on the official website or by contacting the nearest bank office. If the application is submitted via the Internet, then you can use your personal account if you are already a client of Sberbank, or apply directly from the main site. In both cases you need:
- Go on the website.
- Click “Maps” at the top, then select the one you need.
- Fill out the form: personal data, documents, registration address. Indicate the department where it will be convenient to pick up the finished product.
- Select a design (if necessary).
- Submit your application.
- Wait for the SMS notification and come to the bank to get your card.
Reissue of the card after the expiration date (3 years) is free of charge.
Many people find it more convenient to order cards from a bank. To do this you need:
- Prepare documents: passport and income certificate (for a credit card).
- Come to the Sberbank office and take a coupon for the service.
- Sign the statement provided by the employee.
- Wait for notification of readiness.
How to get
The finished card can be obtained only at bank offices. You need to have your passport with you. Sign the receipt of the ordered plastic and pick up an opaque envelope with a pin code from the employee. You can activate the card at an ATM by simply requesting a balance or depositing cash.
Important: the finished card is stored in the department for no more than 30 days, and then destroyed.
How long does it take to prepare?
Production time depends on the selected product:
- Debit – on average 10 days;
- Debit card with original design – about a month;
- Credit – no more than 2 weeks.
How much does a Sberbank youth card cost?
The debit product will cost 150 rubles. Plastic with an original background - 500 rubles one-time + 150 rubles a year, and a credit card - 750 rubles annually.
How to withdraw or deposit cash
To withdraw money from your card, you can use:
- ATM. You need to insert the payment product into the card reader, select the appropriate function, enter the required amount, collect the money and the card.
- Bank cashier. You need to take your passport and card with you.
Important: if you withdraw money from other banks, an additional commission of 1% is charged.
To top up your balance you can:
- use an ATM;
- transfer funds from mobile;
- transfer money from any other Sberbank card available;
- at the bank's cash desk.
Advantages and disadvantages
Before you apply for a payment card, you need to look at the pros and cons of a Sberbank youth card:
- Schoolchildren over 14 years of age can become the owner of a debit account;
- annual maintenance is significantly less than other cards;
- For registration you only need a passport (for a credit card, in addition, a certificate of income);
- choice of unusual design for little money, compared to other banks;
- participation in the bonus program;
- Mobile Banking is provided free of charge for 2 months.
- high interest rates on loans;
- it is difficult to obtain the maximum credit limit;
- cash withdrawal from a limit card – 3%.
Disadvantages also include the lack of accruals on the balance and a complex bonus system, the conditions of which not every teenager will be able to fulfill.
Video on the topic
Sberbank Youth Card - conditions
Sberbank provided its clients with the following conditions for using the plastic product:
- The annual service fee is only 150 rubles.
- From the start of plastic production, its validity period is 3 years.
- After the expiration date it is completely free.
- In cases of loss or theft of plastic, the cost reissue will be 150 rubles.
- For those who wish to receive a card with an individual design, the additional payment will be 500 rubles.
- There is no additional fee for withdrawals.
The owner has every right to manage his finances using the Internet. Applications and a mobile bank were developed specifically for this purpose, helping cardholders pay in every city in the country, as well as when traveling abroad.
With the onset of 21 years, citizens of the Russian Federation have the opportunity to get a credit card and manage any amount established by the Sberbank limit. The requirements imposed by the bank on the future card holder are small. These include:
- Availability of official employment and permanent work. Confirmation of information occurs by providing the bank with a certificate from the employer or educational institution (in cases where the only source of income is a scholarship). The official document must contain information about income for the last six months.
- The application can only be submitted in the region where the bank is located and with the applicant’s permanent residence permit.
The procedure for considering a candidate does not take much time. Within two days, the applicant will receive an SMS notification with the result. The period for issuing a youth card depends on the distance to the place of application and a number of other reasons. As a rule, the entire operation does not take more than 14 days.
The future owner of the credit card should inquire about the timing of receiving the product. He can contact the customer service manager at the organization’s branch. An experienced specialist will tell you how you can find out if your card is ready under various circumstances:
- through a personal account, if a person has access to;
- via SMS notification to the specified mobile phone number;
- go to the bank branch on the appointed day and pick up the card.
How to order a card
Registration is a simple and fairly quick process. To apply for a debit card, you only need a passport. The process of applying for a credit card is slightly different and requires more time.
To get a debit card you will need:
- Go to a bank branch with an identity document.
- Fill out all points of the client questionnaire. This can be done in advance through the official website. Anyone can apply for a Sberbank youth card online.
- Receiving finished products. You can pick up a new card after an SMS notification received on the phone number that the customer indicated in the application form.
Any employee of a financial institution will tell you how long it takes to make a Sberbank youth card. Typically this is 7−21 days, it all depends on the locality.
After receiving the card, the young user can manage his finances through the convenient Sberbank Online service or using the Mobile Bank service. The card's capabilities allow the user to receive money transfers from individuals, employers and various government enterprises.
If you install the Sberbank Online application on your mobile phone, you will have access to your Personal Account directly from your mobile phone.
Youth card design
The design of Sberbank plastic can be divided into several types:
- Standard style for a plastic product. A typical version can be seen on the official website.
- Individual design. It is created if the option proposed by the bank does not suit the future user. In this case, for an additional fee, a person can create his own personal drawing.
- Various options for the appearance of plastic, proposed by the bank itself. The Sberbank gallery is quite large and offers users a large selection of images to suit every taste.
This type of Russian bank card has many additional features. For example, by activating the “Thank you from Sberbank” service, the user is given bonuses from 0.5% to 10% of the cost of purchases from partner stores. The client has the right to exchange received bonuses for discounts.