How much does it cost to service a youth card? Registration of a debit youth card
Card production time
In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working 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, the production time will be counted from Monday.
You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.
What documents are required to receive a card?
To pick up the card, bring 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.
There is a wide variety of plastic cards, including specialized ones designed for specific categories of citizens. These include the Sberbank Visa Classic youth card.
![](https://i0.wp.com/sbankami.ru/wp-content/uploads/2015/12/karti-sberbanka04-1.jpg)
A debit card is issued from the age of 14. The bank does not issue a loan product of this level for the Visa payment system. What makes the card unique for young people is its age limit. It can only be issued by a citizen of the Russian Federation who has not yet turned 25 years old.
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2015/11/karta-viza-molodegnaya2.jpg)
Plastic is issued in the same way as a regular Visa Classic, for 3 years. And maintenance is much cheaper and amounts to only 150 rubles per year.
![](https://i2.wp.com/sbankami.ru/wp-content/uploads/2015/11/karta-viza-molodegnaya3.jpg)
One of the advantages of plastic is that a year of service costs 150 rubles, and for classic Visa cards – 750 rubles.
The youth card from Sberbank Visa is characterized by the following conditions and capabilities:
- Withdraw funds from cash registers and ATMs in the country and in subsidiaries abroad without charging a commission.
- Pay for your purchases at points of sale.
- Carry out transactions via the Internet. To make online purchases, you need to confirm your actions. This happens using a message received from the operator and containing a code.
- Ability to use Visa offers.
- Accumulate Thanks, which are awarded for purchases at special points (from bank partners -). These conditional points can later be exchanged for new purchases.
- The ability to connect remote services to manage and control your account (Mobile and Internet banking).
- Receive advice and perform a number of actions with the help of Contact Center specialists (by ).
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2015/11/karta-viza-molodegnaya5.jpg)
Registration of a Molodezhnaya card in Sberbank
To receive debit plastic you will need to go through the following procedure:
- Visit the branch. Write an application according to the provided sample, enter personal and passport information (documents are required).
- Wait 3-15 days. Time is needed to prepare documents and the name card itself.
- A bank employee will notify you that the plastic product is ready by calling or texting your phone.
- Visit the branch and pick up the finished card.
![](https://i2.wp.com/sbankami.ru/wp-content/uploads/2015/11/2015-12-21_020338.jpg)
In the absence of citizenship or registration, difficulties may arise, so such situations are resolved on an individual basis.
The bank's website allows you to submit an online application for a plastic card. To do this you need to do only 3 steps:
- fill out an application indicating your personal data;
- indicate your passport details;
- indicate the address for issuing the plastic.
Participation in the bonus program Thank you
Holders of Youth Visa cards from Sberbank, like all other clients, have the right to participate in the Thank you bonus program.
When paying for purchases of goods and services, owners of these plastic cards are awarded points in the following order:
- 0.5% from Sberbank;
- up to 20% from the program’s partner companies (their list can be found on the institution’s website).
![](https://i2.wp.com/sbankami.ru/wp-content/uploads/2015/12/neimennaya-karta2.jpg)
At the moment there is an updated version of the program, which includes several levels. Depending on the level, the participant receives various privileges. To obtain them and move to a higher level, you need to complete several tasks (mandatory and optional). When moving to a higher level, the participant is awarded an increased number of points.
Sberbank Youth Visa cardholders have certain advantages over other participants. More loyal points are awarded for them. For most participants the minimum level is Thank you, for young people – Thank you very much.
You can find out your level in the program section of Sberbank Online or in the mobile application.
How to put money on a youth card?
Visa Sberbank Molodezhnaya is a debit card, so you can top it up using any means:
- Top up your account via cash-in ATM.
- Apply for a scholarship on your card.
- Transfer a scholarship from a card of another institution.
- Receive transfers from cardholders of the issuing bank.
![](https://i0.wp.com/sbankami.ru/wp-content/uploads/2015/11/karta-viza-molodegnaya.jpg)
The advantage of using a card is the ability to perform almost all of these actions via SMS or other remote method (), using Mobile Banking or Internet Banking. To get a little more options, you can access your Account. To do this, you need to contact an employee at the branch or a specialist by phone and they will issue a personal ID. Using the service allows you to receive data on your account status, ongoing operations and make transfers, transfers, top up mobile numbers, etc.
Types of Visa cards for youth
![](https://i0.wp.com/sbankami.ru/wp-content/uploads/2015/11/karta-viza-molodegnaya6.jpg)
The issue of the Visa Classic Youth card from Sberbank has been discontinued since 2017. At the moment, the bank issues 2 debit cards of a similar format for the Visa payment system - Youth and Youth with a design to choose from.
The last option is suitable for creative young people who value individuality in everything. The banking institution offers 200 design options. The cost of the service for issuing a card in an individual design is 500 rubles.
Now let's look at all the parameters of both plastics. They are identical for both products:
- annual maintenance cost – 150 rubles;
- account currency – rubles;
- there is no provision for issuing an additional card;
- validity period – 3 years;
- Contactless payment technology applies to plastic cards;
- possibility of payment by phone;
- allows you to pay abroad.
For cards, there is a daily limit for cash withdrawals - 150 thousand rubles, per month - 1.5 million. When withdrawing cash within the permissible limit through ATMs and bank cash desks, no commission is charged. If the limit is exceeded, the commission fee is 0.5% of the withdrawn amount. When cashing out at cash desks and ATMs of other banking institutions, the commission is 1%.
In addition, tariffs have been established for other services:
- re-issuance of the card after expiration of the validity period is provided free of charge;
- in case of unscheduled reissue (change of personal data, loss or theft of plastic) – 150 rubles;
- receiving a statement for the last 10 transactions – 15 rubles;
- checking the balance in payment terminals of other banks – 15 rubles. per request;
- information about the balance in the bank or via e-mail – free of charge;
- SMS notifications are free.
As a product, Visa Classic Youth (Sberbank) receives mostly positive reviews.
The use of specialized Sberbank cards, including the debit visa classic youth card, is useful primarily for those for whom they were developed - bonuses and privileges will be applied in full.
Detailed overview of the terms of use and issue of cards for youth (video)
Advantages and features of plastic for young citizens.
Conclusion
A leading Russian bank is interested in attracting new clients. One of the options for expanding the customer base is issuing special cards for youth, which take into account the capabilities and requirements of Russians from 18 to 25 years old.
The Civil Code of the Russian Federation allows people from the age of 14 to independently manage their own income (Article 26). From this age, the Sberbank Molodezhnaya card is available. Up to 25 years of age, you can receive a scholarship, benefits, pocket money on an international Visa or MasterCard with a preferential service rate. It is convenient to use funds by paying by bank transfer or withdrawing the required amount from an ATM.
What kind of card is this?
- This is a personalized debit card, which is received at the age of 14 to 25 years at a favorable rate of 150 rubles per year.
- As well as a credit card for young people from 21 to 30 years old, issued on the basis of a certificate from a university about a scholarship; proof of employment is not required.
The products work in the international systems Visa and MasterCard, allowing you to pay and receive cash all over the world.
![](https://i1.wp.com/cardsbanking.ru/wp-content/uploads/2018/03/sber01-min.jpg)
Service at Sberbank provides access to its main services:
- online banking;
- mobile app;
- the largest ATM network in Russia;
- cashback.
For whom is it intended?
The Sberbank youth debit card is actively used by students. The possibilities of cashless receipt are attractive to them:
- scholarships;
- benefits;
- income from freelancing;
- funds from relatives for education, accommodation, especially important when you are in another city.
Young people often receive pocket money from relatives who live separately. Modern grandparents happily use transfers to spoil their grandchildren from retirement.
High school students quickly master non-cash payments and actively use plastic. Parents have the opportunity to control their child's expenses in detail.
What does "It's simple" mean?
In the upper right corner of the youth card, the hashtag #everything is simple as a call for communication and exchange of experience among holders online. At the same time, it reflects the essence of the product, with which it is really easy to receive money, pay, save, and make dreams come true on your own.
Differences from a regular card
When comparing youth and classic Sberbank cards, some differences are obvious; other conditions remain to be found out:
Youth | Classic | |
---|---|---|
Payment systems | Visa, MasterCard | Visa, MasterCard, MIR |
Annual maintenance, rub. | 150 | 750 (1st year) / 450 (from 2nd year) |
Additional card | Not provided | 450 rub. in year |
Account currency | Ruble | Ruble / Euro / US Dollar |
Age restrictions for debit | 14-25 | From 14 |
Maximum % of bonuses Thanks from partners | 10 | 20 |
Age
The older the client and the longer his banking history, the more attractive products Sberbank offers him.
There are 3 service packages available for youth:
- From 14 years old you can:
- get a youth debit card;
- insure it;
- connect cashback;
- open a deposit.
- At the age of 18, in addition to the listed services, a loan with a guarantor is issued.
- 21 years old is the next stage of maturity. If they are financially solvent, Sberbank clients from this age can apply for credit cards, loans without guarantee, and mortgages.
Debit Visa and MasterCard are issued at a special rate for up to 25 years and are used until the expiration date. Afterwards, re-issue is available on a general basis.
The right to a youth credit card remains for up to 30 years. It is absolutely no different from the standard one in terms of service. The difference is in registration without confirmation of employment and participation in the accumulative bonus system Thank you, the lists of partners are different.
How to do it at 14 years old
You can apply for a Sberbank youth debit card at the age of 14 by leaving an online application on the bank’s website or by contacting the branch with your passport.
You will need to report:
- FULL NAME.
- Email, phone number.
- Passport details.
- Registration address.
- Your educational institution or place of work.
After reviewing the application, the bank will notify you of the estimated delivery time. It lasts up to two weeks.
From 18 years old
Loan processing is available with guarantors. For consideration:
- Apply at the branch or through the website.
- Present to the bank your passports (yours and those of the guarantors), as well as proof of solvency (certificates of receipt of a scholarship, salary for yourself and the guarantors).
- Wait for an SMS notifying you of the review.
- If the decision is positive, the money will be transferred to your debit card.
Reissue of card after 25 years
Youth debit plastic can be issued until the last day before your 25th birthday. It is used for 3 years, regardless of age.
After turning 25, a few weeks before the expiration date of a youth debit Visa or MasterCard, Sberbank offers to order the product at standard rates. Information is provided via SMS, personal online account, when contacting the department.
Debit card
Service:
- Issued for 3 years.
- Currency – ruble.
- Payment 150 rub. annually.
- Next reissue – 0 rub.; in case of loss or change of full name. – 150 rub.
- The daily limit for cash withdrawals through Sberbank is 150 thousand, the monthly limit is 1.5 million rubles.
- The full version of mobile banking costs 60 rubles per month, the economical package is free.
- Cashless payment wherever Visa and MasterCard are accepted, including in online stores abroad.
- Possibility of contactless payment.
- Free cashback connection Thank you.
- Payments and transfers through your personal account in Sberbank online and mobile application.
- Buying metro tickets.
- Access to loyalty programs Visa, MasterCard - 24-hour technical support abroad, discounts in hotels, car rentals, excursions and other privileges. For details, please visit the systems' websites.
Terms of service
To obtain a youth debit card, a passport is enough. In case of temporary registration, please also present a certificate.
Client requirements:
- Age 14-25 years.
- Citizenship of the Russian Federation.
- Registration in the region where the application is submitted.
Annual maintenance cost
For young people, it is important how much the card costs and its annual maintenance. To reduce unnecessary costs, Sberbank has made the Youth Card available at an affordable price.
Servicing a debit Visa or MasterCard costs 150 rubles per year. The tariff remains valid until the end of its validity period after 25 years.
Limits
- The maximum amount to receive per month through Sberbank cash desks and terminals is 1.5 million rubles.
- The daily limit on cash withdrawals at the terminals of any banks and at Sberbank cash desks is 150 thousand.
- In credit institutions in your region, you can receive up to 50 thousand from your account daily without presenting plastic.
- Enrollment is allowed up to 10 million rubles daily.
- Cashless payments at retail outlets are not limited.
- The maximum amount for cash withdrawal abroad in the absence of the ability to use the card is 5 thousand US dollars or the equivalent in another currency.
Attention! The commission for one emergency issue abroad is 6,000 rubles.
When transferring between Sberbank clients through a cash desk, there are no limits. You can tell the employee both the card number and the account number. Through a remote personal account, the limit is 201 thousand rubles. in a day. To make a transfer yourself, you need to know the card number or phone number. Knowing the account number alone is not enough.
Transfers in foreign currency are possible at a bank branch; Online and mobile banking do not provide this option.
Interbank transfers on card accounts are available only in a remote personal account (mobile, online banking); the service is not provided at cash desks. You can transfer up to 30 thousand rubles on your own. for one operation, up to 150 thousand per day, 1.5 million per month.
How to pay abroad
Youth plastic allows you to pay freely wherever Visa and MasterCard are accepted.
For transactions in foreign currency, the bank automatically converts rubles at the current exchange rate. No commission is charged.
Many stores (for example, Aliexpress) offer to independently convert the price into different currencies, including rubles. This service is not profitable. Seller exchanges are more expensive than bank exchanges. The client has the right to request payment in the base currency, i.e. the one in which prices are initially set.
Personalized card
Sberbank can issue a card with your own design that will make you stand out from the crowd. However, you can use this function when applying for a Visa payment system card.
The service costs 500 rubles. The website has a collection from which you can choose the design you like, and you can download the file yourself to apply the image to plastic.
![](https://i1.wp.com/cardsbanking.ru/wp-content/uploads/2018/02/molod-min.jpg)
Prohibited:
- Letters, numbers.
- Poorly printed logo.
- Trademarks.
- Copyrighted images without author's consent.
- Religious or political images.
- The bank gives an example of an image of a skull as unacceptable design options.
A popular subject for individual design is a photo with loved ones.
Custom design
- On the bank's website, before filling out an application for a card, select the option with a custom design in the drop-down menu.
- You will be asked to upload an image yourself from your computer or from social networks, and select from the gallery on the site.
- By uploading or selecting an image, you can determine its scale and boundaries for printing on plastic. On the same page, experiment with the color of the Sberbank logo.
- Once you have selected your final design, proceed to the standard application process.
![](https://i0.wp.com/cardsbanking.ru/wp-content/uploads/2018/02/molod06-min.jpg)
Credit card
From January 1 to December 31, 2018, there is a special offer for new customers - the first year of service is free. Subsequent ones - in accordance with the tariff.
The credit limit is considered individually; as a rule, initially it does not exceed 15,000 rubles.
To whom is it issued?
The Sberbank youth credit card differs from the usual opportunity to get one before employment. To confirm your solvency, it is enough to present a notification from the educational institution about receiving the scholarship. After turning 30 years old, a certificate from work will be required.
Conditions
For young people, the service is no different from standard credit cards:
- Issue from 21 years of age.
- The cost of annual maintenance is 750 rubles.
- The next reissue is free, early – 150 rubles.
- Payment by plastic without commission.
- Interest-free installment plan from 20 to 50 days depending on the date of debt formation.
- The grace period does not apply to cash withdrawn from an ATM or payments to casinos; interest is immediately accrued on these amounts.
- Annual interest rate 27.9%.
- Cash withdrawal through Sberbank terminals 3%, other banks - 4%, in any case, minimum 390 rubles.
- Issuance abroad if the card is lost or damaged up to $5,000, commission 6,000 rubles.
- Participation in the “Thank you” program is free and you can join on your own.
How to get
You can apply in the office or through the Sberbank website.
You must meet the requirements:
- Age 21-30 years.
- Russian citizenship.
- permanent registration in Russia.
You must fill out an application and provide your passport. Proof of scholarship or salary will increase your chances of getting a higher credit limit. When applying online, attach a scan and take the originals with you to the collection office.
If you receive payments to a debit card or Sberbank account, an income certificate is meaningless.
A few days after completing your application, you will be informed of the decision via SMS. If your approval is positive, you will be informed of the expected date for issuing the card. This usually takes no more than 2 weeks.
How to pay
To manage your credit card debt and pay it off on time without creating unexpected debt, it is important to know the due date for your card. It is indicated on the PIN envelope. If you received a credit card without an envelope, the report date is considered to be the date preceding the issue date.
Example: you received a credit visa on February 5, look at the report date on the PIN envelope, if issued without it, the reporting date is the 4th of each month.
The reporting period begins the day after the report is generated and lasts until the next reporting day.
In our example, from February 5 to March 4, from March 5 to April 4, and so on monthly.
The grace period for interest-free installments is counted from the reporting date and is 50 days.
For payments made from 5.02 to 4.03, the grace period will last until 26.03 (if there are 28 days in February). For payments from 5.03 to 4.04 interest will not accrue until April 23.
No interest is charged when topping up during the grace period. If there is a balance of debt, interest is accrued for the entire period of use of the money.
Returning to the example: if on March 26 there is still a debt formed on February 6, interest will be accrued for all 49 days!
Information about the reporting date, debt and mandatory payment is available in your personal account online. If there is a delay, a penalty of 33.9% per annum is charged.
Participation in the bonus program “Thank you from Sberbank”
The loyalty program is free. Connect through your personal account from a computer, mobile application or ATM.
To register you will need:
- Phone number.
- E-mail address.
- Agreement with the rules.
Bonuses will be awarded immediately after registration. The accrual period is up to 5 days if the check amount is up to 15,000 rubles, up to two months for a larger amount.
Transactions for which incentives are not awarded:
- Through a bank teller or ATM.
- Buying and selling currency.
- Payment for gambling services and goods prohibited in Russia.
- Payment for housing and communal services.
- Money transfers.
- More than five purchases in one day from one seller.
What is it and how does it work for the Youth Card?
For purchases paid with plastic cards, Sberbank returns 0.5% of their value as an incentive.
Numerous Sberbank partners participate in the program, who award increased points up to 10%, and also accept Thank You for payment at the rate of 1 Thank You = 1 ruble. The current list of participants is available on the bank’s website. To get acquainted, do not forget to check the “Youth” box in the filter.
The favorite partner of young people is Burger King, it accepts bonuses as payment and awards 10% cashback.
There are often restrictions on the minimum payment with points, in particular for Burger King it is 249 rubles. The program partners set the maximum percentage that can be paid through Thank You. Burger King - 99% (this means that 1 or 2 rubles of real money will have to be paid in any case), ozon 75%.
Use points within 3 years, remaining points will be cancelled.
Visa or MasterCard?
![](https://i1.wp.com/cardsbanking.ru/wp-content/uploads/2018/02/Dizayn_molodeznoi_karti_sberbanka-min.png)
Both payment systems work efficiently. Cards are accepted all over the world, the conditions for their use are almost the same.
There is one youth tariff for Sberbank clients, regardless of whether it is a Visa or MasterCard.
Main differences for the youth card
Frequent travelers notice the difference between the two products. Payment systems have different partners, including VIP lounges at airports (for holders of premium products), hotels, and transport companies. Clients often note Visa’s more developed partner network and service. Read more about the privileges of each system on their official websites.
![](https://i1.wp.com/cardsbanking.ru/wp-content/uploads/2018/03/MyCollages-min.jpg)
Is there PEACE?
Sberbank does not offer a separate MIR Youth product. The Russian payment system still has a number of limitations that make it unpopular among the younger generation. For example, payments in many online stores abroad are very limited.
For everyone, registration of a standard debit MIR is available from the age of 14 at a general tariff of 750 rubles for the first year of service, 450 - starting from the second. But this is a different product.
How to order and receive a card
A passport is required to register any banking product. In case of temporary registration, provide a certificate.
An application for a youth Visa or MasterCard is possible through the Sberbank website or in person at the office. When filling out the application, you will be asked to select the office closest to you, to which the card will later be delivered.
When it is ready for collection, you will receive an SMS notification and can pick it up by presenting your passport.
How long does it take to make a map?
In total, the plastic carrier takes two working days to produce. But when asking the question, how long does it take to make a youth card at Sberbank, we usually mean how long it will take to wait for it to be issued.
After production, it takes time to bring the plastic to the selected office. Depending on the region, this takes from 1 to 10 days. From application to receipt it takes from three days to two weeks. The bank will inform you of the approximate delivery time.
How to activate?
All bank cards are delivered blocked to completely prevent their use before reaching the holder's hands. To unlock, just perform any operation that requires a PIN code.
You can request a balance at the bank branch in the terminal. This will be enough to activate the card. If you have any additional questions, ask them to the consultants in the client room.
Pros and cons of the card
Among the many advantages, we highlight the main ones for young people:
- Opportunity to use banking products on preferential terms.
- Accumulation of banking history, which subsequently increases the chances of obtaining profitable loans, including mortgage loans.
- The probability of losing money from an account is much lower than with coins and bills.
- Possibility of linking electronic wallets.
Of the minuses, we note:
- Restrictions on applying for credit products, age 21 years,
- Low credit limits.
- The absence of a preferential tariff for MIR is inconvenient for residents of Crimea.
Video: Is it worth getting a youth card?
Conclusion
To summarize, we can confidently say that the Sberbank Youth Card is not only a modern payment instrument that promotes the development of financial literacy among young people, but also an opportunity to develop a banking history from an early age.
And as an added bonus, the opportunity to express yourself through the creation of an individual design.
Teenagers from 14 years old, students, young people up to and including 25 years old can become clients of Russia’s leading bank - Sberbank’s youth card is aimed specifically at this age category of individuals. The card has a lot of advantages in service, is endowed with lucrative promotional offers and interesting ideas regarding design.
Until how many years does the youth banking offer last, how much does the annual card service cost, and everything about it that I would like to know is presented in this material.
Types of Sberbank youth cards
Sberbank issues youth cards for three age groups:
- for teenagers from 14 to 17 years old;
- for youth from 18 to 20 years old;
- and for persons over 21 years of age;
A debit youth card is available for minor clients with the ability to manage their own funds without an overdraft service (short-term lending).
The credit card can be obtained by working young people and students after turning 18 years old.
A student or campus card is designed specifically for university students, is issued as part of salary projects with educational institutions and has a lot of possibilities.
Sberbank youth debit card
The Sberbank youth debit card is intended for paying for purchases, services, and withdrawing cash at cash desks and ATMs as part of residual personal funds. Its characteristic difference– this is the absence of bank lending services; the client uses and manages exclusively his own money.
Properties:
- Commission-free payment for goods online and in stores.
- The accumulative bonus program “Thank you from Sberbank” returns up to 10% of the funds spent in the form of bonuses and allows you to spend them as a discount of up to 99% in the bank’s partner stores.
- Instant contactless payment - no need to take the card out of your wallet, give it to a stranger or enter a security code, just touch it to the reader;
- Free connection to the Android Pay service, which allows you to make payments using your smartphone.
- A youth debit card with an individual design looks original and interesting. A personal photograph or drawings offered by Sberbank can be uploaded to the main back.
- The Sberbank - Online application, downloaded to a mobile device, works around the clock and seven days a week, allowing you to perform banking transactions at any convenient time.
- Youth debit card holders can take part in a photo competition for a chance to be featured in a music video, and the winners will receive a trip to the Youth and Student Festival.
The table provides information on what conditions Sberbank offers for receiving a debit youth Visa Classic/MasterCard Standard.
The youth debit card contains personal funds, so it has the advantage of no commission for cash withdrawals, subject to restrictions on issuance and service at Sberbank branches.
![](https://i1.wp.com/creditsoviets.com/wp-content/uploads/2017/09/Screenshot_3-2-1024x383.jpg)
DS issuance limit | |||
---|---|---|---|
In subsidiaries and other banks | At Sberbank (terminal, ATM) | Through Sberbank cash desks | |
Not available | 150 thousand rubles. | 50 thousand rubles. | |
Cash withdrawal | |||
Through the cash desk of Sberbank, a subsidiary bank within the limit | Through the Sberbank cash desk, over the limit | Through an ATM of Sberbank, a subsidiary bank | Through a cash desk and ATM of another bank |
No commission charged | 0.005 | No commission | 0.01 |
Cashless payment | |||
No commission is charged when paying for services or purchasing goods. |
Sberbank student card
Created specifically for young scientists, the student card is a real find for modern, focused youth.
A Sberbank card for a student has the following capabilities:
- Top up your mobile phone or Internet account without writing off the balance for a commission fee, through the 24-hour Sberbank-Online access application, mobile bank, terminal, or the connected “autopayment” function.
- Free money transfers to friends living in the same city via a mobile application or SMS. The function of general collection of money from friends and relatives for a specific occasion goes through a request in the form of SMS.
- A specially created savings account starting from 0 rubles will allow you to withdraw money in any quantity for a large purchase, travel or other purposes without charging a fee for withdrawing money.
- Such additional income as a contribution can be made by an adult young person if he has 1000 rubles in his current account. Sberbank does not require writing off penalties for withdrawing money; in this case, interest is simply not charged.
- Loans for various purposes are issued to young people from 18 to 21 years old inclusive.
Youth credit card
Youth credit card is limited by age for receipt – from 21 years old. Like all Sberbank credit cards, it has a grace period of fifty days of service, during which payment for goods and services takes place without commission, except for cash withdrawals and only if the debt is paid on time.
What is the difference between a youth card and a classic one?
The youth tariff, for annual card servicing, is five times less than that of classic debit cards. The classic card service will cost the owner 750 rubles for the first year and 450 rubles each. in subsequent years, and for young people the amount of service will be only 150 rubles.
How to apply for a card?
You can apply for a youth card online on the official website of Sberbank. It is enough to fill out the questionnaire forms, an application for a Classic Visa or MasterCard Standard, indicating personal and passport data and the address where it is convenient to pick up the card.
Photo of the application form:
You can also simply go to the nearest Sberbank branch with your passport and order a youth card on the spot.
A potential client must have Russian citizenship, permanent or temporary registration.
Using a call or SMS to a mobile device, Sberbank notifies the owner that the card is ready and can be received; usually the issuance process takes from three days to a couple of weeks.
Young people value comfort and reliability when making purchases. Domestic bankers have prepared the best bank cards of 2019. The main feature of such options is low service fees and maximum benefits in calculations.
Youth card from Sberbank
In the line of Sberbank banking products, every client will find a suitable option. The bankers also thought about the youth. A Youth Card has been prepared for them. The highlight of the offer is individual design. You can select it yourself from the bank catalog or upload an image from your computer or social networks.
The conditions for using a debit card are also attractive:
- service - 12.5 rub. monthly;
- release of a copy with an individual design – 500 rubles;
- user age – 18-25 years old;
- Installing a mobile application on your device is free;
- validity - 3 years;
- production time – from 3 to 14 days.
Refunds to Youth Card holders to 10% from the amount of purchases in the form of bonuses within the “Thank you” program.
Debit version of Mastercard Standard Next from Alfa Bank
- service - 99 rubles monthly;
- the ability to connect additional cards for free;
- number of additional options – 1 piece;
- accrual of interest on remaining funds – 4% ;
- SMS informing – 59 rubles monthly.
Annual interest on the balance is accrued to the youth card client on a monthly basis.
A service fee is not charged to a person if:
- receives on the bank's salary card more than 40 thousand salaries and pays monthly purchases in the amount of more than 15 thousand;
- spends on shopping every month minimum 10 thousand, and the minimum monthly balance exceeds 30 thousand.
Youth card of Rocketbank “Otkritie-Rocket”
Youth cards also include another product serviced by Otkritie Bank, only this time under the Rocketbank brand.
The conditions for this card include:
- 6.5% per annum on any balance.
- Cashback up to 10%.
- Free service.
- Free replenishment from 5 thousand rubles and free withdrawal up to 5 times a day.
- The transfer fee is 1.5% for any cards from other banks.
These conditions apply to the free plan. The paid tariff (290 rubles per month) is distinguished by the possibility of free transfer of funds to cards of other banks, free replenishment within any limits and twice the frequency of free withdrawals from ATMs.
It is also possible to open deposits directly in the bank’s proprietary application.
Touch Bank World Mastercard from Touch Bank
Touch Bank offers the Touch Bank World Mastercard option for young people with the Daily tariff. This is a multi-currency card. Its holder can open an account in rubles, pounds sterling, dollars, euros.
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Holders of Touch Bank World Mastercard receive:
- cashback – 3% for spending in your favorite categories, 1% - for other purchases;
- free cash withdrawal at ATMs of any country;
- interest on balance – up to 8%;
- interest payment - daily;
- free translations;
- free replenishment;
- SMS notification – 60 rubles monthly.
Service cost – 250 rubles monthly. The fee is not debited if the average daily balance more than 50 thousand, or the amount of expenses for the month exceeded 30 thousand.
RNKO "Payment Center" and MasterCard "Kukuruza"
Holders of MasterCard "Kukuruza" can pay with the card in any store or establishment where payment cards are accepted, and receive it to a bonus account 0,5% amount spent.
Clients can increase the number of bonuses awarded by participating in promotions and/or special programs. For this you need to pay an additional fee.
If the number of bonuses on a client’s account reaches half a million, the accrual of points will temporarily stop until the balance decreases.
Citizens who use a debit copy can:
- use an overdraft;
- monthly up to 30 thousand cash out free of charge, if the amount exceeds the commission will be – 1% (minimum 100 rubles);
- use the mobile application for free;
- set up automatic payments for utilities, telephone.