Sberbank card momentum r what does it mean. Momentum card from Sberbank free debit and credit

International card Sberbank Momentum is optimally suited for clients who make purchases exclusively in Russia and withdraw cash only from Sberbank ATMs (only in this case the withdrawal conditions will be loyal).

This is a non-personalized instant card; it can be quickly obtained at the nearest Sberbank office on the day of application in 15 minutes.

If desired, the client can issue a debit card or credit card. Visually, they differ in their initial numbers: debit begins with numbers 4276, credit begins with 4854.

Debit card

You will not have to pay for the issue and annual maintenance of the Momentum card. It can be used for 3 years, in the future it will be reissued, and also free of charge.

The account can be in rubles, dollars and even euros, but it will be possible to use “plastic” only in Russia and Sberbank ATMs. Issued in the form of Visa Electron or MasterCard Maestro.

Despite free service, Momentum is additionally equipped with an electronic chip that provides an increased level of security.

Using it you can, without commissions:

Withdraw cash from ATMs of the Sberbank network.
Make non-cash payments in Russia.
Pay taxes and public utilities.
Participate in bonus program“Thank you from Sberbank.”
Take advantage of discounts provided by the Visa payment system.
View your account balance using remote services– mobile and internet banking.

Conditions of receipt

To receive this instant card, you should go to the nearest Sberbank office with your passport and sign necessary documents.

Russian citizens who have reached the age of fourteen can become holders.

You can activate the Sberbank Momentum card yourself, immediately after issuance, by performing any operation by entering your PIN code (for example, you can view the balance through a Sberbank ATM by entering a PIN and the card will be considered activated).

How to top up?

Replenishment debit card perhaps in one of the following ways:

Making a transfer from a Sberbank card.
Application Money via terminal.
Transfer from accounts of other banks.
Depositing money into an account at Sberbank itself.

Information about transactions and balance can be found in contact center and in a Sberbank branch, at an ATM, in mobile and online banking. You can get instructions on how to use the Sberbank Momentum card on the official website www.sberbank.ru.

Credit card

The Credit Momentum card is a very profitable product of Sberbank if you use it correctly. Managing to pay the debt in Grace period, holders will be able to use it absolutely free.

Sberbank makes a personal offer to many of its clients with a credit limit that has been approved in advance.

Typically, these clients include:

Persons receiving a pension or wages.
Depositors and some borrowers of Sberbank.
Debit card holders.

You can check whether Sberbank has made you a personal offer in the bank itself or on the screen of its self-service terminal.

Terms of Service

Urgent release and annual maintenance are free.
The rate is 25.9% per annum.
Maximum limit– 120,000 rub.
Valid for 3 years.
The grace period ranges from 20 to 50 days.
Penalty for late payment– 37.8% per annum.
Presence of an electronic chip for increased security.

The conditions for cash withdrawal are as follows: minimum commission for withdrawal of money from a Sberbank ATM - 3% of the amount (minimum 199 rubles), from third-party banks - 4%.

Features and Benefits

Manage your account remotely using free online services: Mobile Bank, Sberbank-Onl@yn.
“Autopayment” service for the most repetitive transactions: payment for housing and communal services, Internet, mobile operator, etc.
Carrying out payments over the Internet through a secure Verified by Visa channel.
Cashless payments and receiving cash in the Russian Federation and abroad.
Possibility of linking an account to an electronic wallet.

How to get a?

You can get a Sberbank Momentum Credit card:

Persons who received a personal offer. Moreover, they must be Russian citizens registered in the region where the instant Sberbank card is issued.
Russian citizens registered in the region of receipt, meeting the age limit - from 25 to 65 years. The total length of service of such persons over the past 5 years must be at least one year, and in the current job - at least 6 months.

If you meet these requirements, then to get a credit card you need to visit the nearest bank office.

Terms of debt repayment

You can find out the amount of the mandatory monthly payment and the date of its repayment by email. by mail in the form of a credit card report or in Internet banking.

This information is also sent in an SMS notification to the address specified by the holder mobile phone.

Methods of application obligatory payment:

Drawing up an order from the accounting department at your job to regularly transfer part of your salary using your bank card account details.
Holders of debit or salary cards/Sberbank accounts can enter into a special Agreement and give a written instruction to write off money from your card to pay off the debt.
You can also replenish your Momentum account on time with the required amount using the methods presented below.

To top up your instant card, use one of the following methods:

Translation from another plastic card bank (using the Internet and mobile banking online, via SMS service, at a payment terminal and ATM).
Cash through a terminal or ATM that supports cash acceptance.
Non-cash transfer from a card of another bank. To do this, you need to know the details of the recipient bank, the owner's full name, account numbers and cards. Funds will be credited to your account within 24 hours.
Using special services Visa Direct and MasterCard MoneySend. You can top up your account either in cash or non-cash from other Visa or MasterCard cards. This service can be used by users of the specified payment systems on the Internet, at self-service terminals and ATMs using the MasterCard Mobile application on a smartphone. Funds are credited to your account almost instantly. In rare cases, the operation can take up to 72 hours.
Money can be deposited into your account at any Sberbank branch; to do this, you should contact the bank employees. To do this, present your passport and indicate the card number.

Thanks to bank cards, most regular payments become accessible from any computer or your own mobile phone. Even convinced skeptics recognize the comfort and reliability of Internet banking.

Features of Instant Debit Card

The Momentum card is the most affordable among Sberbank’s plastic products. Combines fast issuance, free service and a minimum set of popular functions of classic cards:

cashless payment worldwide;
Money transfers;
receiving cash;
control card account through Personal Area from a computer or phone;
incentives in the form of bonuses and discounts.

Unlike Classic, Gold and premium cards, Momentum has low limits on the issuance of money (up to 100 thousand rubles per month), does not provide for emergency receipt of cash abroad in case of loss or damage to plastic, has a monotonous design, and the owner’s name is not indicated on it.

Instant Visa / World / MasterCard is issued within 10 minutes after application. The product is available in every bank office, ready for issue. It is enough to present your passport, fill out an application, and sign an agreement.

The card is issued and serviced free of charge. The holder replenishes it, pays for purchases in foreign stores, uses remote access to the account via the Internet and mobile phone, without any problems.

If the plastic card or PIN code is lost, reissue is not performed. You will need to close the account and open a new one.

Card without holder name

Unlike classic and other Sberbank cards, only the number, expiration date and CVC code are indicated on the instant one. However, the product is not nameless. The card account belongs to the client and is opened in accordance with his passport data. If you want to make a payment that requires entering your first and last name, it is enough to know them in Latin.

If you don't know the exact spelling, you can:

look at another map if available;
go to the electronic application page for any plastic card on the Sberbank website;

without filling out the application in full, enter your last name and first name in the appropriate fields as in your passport, the system will automatically show the spelling in Latin;

find out at the bank branch.

What is the difference between nominal and non-nominal

Externally, the difference is noticeable in the absence of a surname and a more restrained design in green. An unnamed card, compared to a registered card, offers fewer opportunities to the holder:

low limits on cash receipts and transfers;
increased fees for cash withdrawals at the cash desks of other banks;
Emergency extradition abroad is not carried out.

What is the price?

Sberbank instant card is issued free of charge. The client can use it without paying any service fee. Paid services are available for those interested, such as mobile bank, mini-statement, cash receipt in third party banks.

Services that Momentum holders use for free:

release;
annual maintenance;
reissue, which involves replacing the plastic along with the invoice;
replenishment and withdrawal of money through Sberbank;
cashless payment;
account statement via @-mail or in a branch (not to be confused with a mini-statement from an ATM!);
economy package of mobile banking.

Card features

Momentum Visa / MasterCard allows you to:

pay at checkouts around the world;
pay and transfer using online banking and mobile application;
plan auto payments;
receive cashback Thank you, use the Piggy Bank service;
participate in the loyalty programs of Visa and MasterCard payment systems (please note that basic packages are available in the form of 10-15% discounts from partners, 24-hour technical support in any country);
The call to technical support is paid, in accordance with communication tariffs.

Is it possible to pay online

Visa and Master Card Momentum are serviced by international payment systems and allow you to pay via the Internet all over the world. The plastic contains the number, CVC code and expiration date. This is enough for payment on many sites.

Payments often require the holder's name. It is not indicated on the plastic, since the issue is made in advance and handed out on the day of application. However, when preparing documents in banking base passport data is entered, and the payment system “knows” the name of the holder. Your task is to find out its spelling in Latin - using another card, in a bank or on a website.

Restrictions

The differences between Momentum and Classic, Gold and others are hardly noticeable during daily purchases in supermarkets, utilities and other regular payments.

Restrictions manifest themselves when you need to pay or withdraw cash in an amount greater than usual:

there is no emergency cash issuance if the card is damaged or lost abroad;
the maximum payment amount per day is 100 thousand rubles;
daily limit for withdrawals without commission in Sberbank – 50 thousand;
The monthly cash withdrawal limit in Sberbank is 100 thousand.

There is a 0.75% fee for receiving cash over the limits. There are no restrictions in third-party banks. However, you will have to pay a commission of 0.75 - 1%, at least 150 rubles.

What's the catch?

Tariffing Momentum can be compared with the basic package on cellular communication. The subscriber receives a SIM card and has the ability to receive incoming calls and make calls within the network for free. If the client wishes to use additional services, he pays for them by the second, by the megabyte. In this case, prices are noticeably lower than “package” prices.

However, if there is no need for complex services and if they are rarely used, paying for them separately remains profitable.

Not relevant for everyone:

participation in salary projects;
expenses more than 100 thousand per month;
Losing your card abroad.

At the same time, many people are in demand:

consumer loan repayment;
receiving irregular transfers from relatives 5-10 thousand;
current spending in stores.

In such cases, it makes no sense to pay 450 rubles a year for servicing a classic product. Enough plastic with minimum set opportunities.

If you need a service that is not included in the Momentum package, it is more profitable to pay for it separately.

Why doesn't the bank charge a service fee? For non-cash payments at cash desks and on websites, the bank charges a 2% commission from the seller. This provides enough income for the bank not to demand payment from clients. Issue of unnamed cards is relatively cheap.

Sellers benefit from cashless payment because it eliminates the need to handle cash.

Do they issue it now?

There have been a lot of questions online about the fact that Momentum cards are no longer issued. This is not entirely true. From March 1, 2016, Sberbank stopped issuing Visa Electron Momentum and Master Card Maestro, they were replaced by instant cards.

The cost of servicing Electron and Maestro was 300 rubles per year. It was possible to order a second card for the account. The monthly limit on cash withdrawals through Sberbank was 500 thousand rubles. Participation in salary projects was allowed.

Momentum R – what is it?

The instant card account currency can be: ruble, US dollar or Euro.

The R mark on the front side of the plastic is made to indicate the link to a ruble account.

You can pay with Momentum R wherever Visa and MasterCard are accepted, at retail points of sale, in online stores, regardless of their location and the main currency with which they work.

When paying bills in a currency different from the card account, the bank will automatically convert it at the current rate. Often sellers offer prices in several currencies, including rubles. For example, Aliexpress. In most cases, such an exchange is disadvantageous to the buyer. It is cheaper to pay in the seller’s currency and entrust the conversion to the bank.

Is it possible to withdraw money from it?

Free cash withdrawal is limited to 50 thousand rubles. per day, 100 thousand per month. In excess of the specified amounts, receipt is available with a commission of 0.5–1%.

Momentum Visa, Mastercard or MIR – what to choose and what are the differences?

Both payment systems are international and have fast technical support, work all over the world, the difference in capabilities is almost invisible. Sberbank services both products at the same tariff.

The differences between Visa and Master Card can be noticed during travel and leisure thanks to affiliate programs.

Visa Classic Momentum

Among Visa's partners, there are mainly companies offering privileges to travelers and shoppers abroad:

hotels;
transport and excursion companies;
outlets.

MasterCard Standard Momentum

You can make everyday purchases in a large retail supermarket, for example, in Auchan, or spend leisure time in selected chain cinemas and cafes at a discount by using MasterCard.

World of Momentum

As noted above, the functionality of the national payment system card is noticeably inferior to Visa and MasterCad, especially in that it can only be used within the Russian Federation. But, this card will be useful for residents of Crimea, or for those who are planning to go there, since the plastic of other payment systems on the territory of the peninsula does not work.

Feature Differences payment systems

Which is better to choose?

Check out detailed description programs, current lists their participants and promotions on the websites of payment systems. Evaluate the usefulness of the offers for yourself.

If you don’t have the time or desire to do analysis, you can choose any one. The quality of services is comparable and high. Sberbank services are available with both cards in the same volume.

How to get

It will take no more than 10 minutes to complete:

come to any Sberbank branch;
present your passport;
sign the contract;
take away the plastic.

Sufficiently constant or temporary registration in Russia.
The holder's age is from 14 years.

Apply online

The Momentum debit card from Sberbank is issued to everyone general conditions at any branch without registration via the Internet.

Online processing is also available for Momentum credit.

Requirements for credit card holders are more stringent than for debit cards:

from 21 to 65 years old;
Russian citizenship;
registration in the Russian Federation.

Existing Sberbank clients can qualify for a preferential Momentum loan with a reduced interest rate.

How to use?

In circulation, a Sberbank debit card without a service fee is not much different from a regular Visa and Master Card except for the limits.

Available services:

non-cash payment at retail outlets, online stores;
fast receipt and sending of money transfers;
remote use via the Internet and mobile banking;
loan payments;
payment utility payments, taxes, duties, fines with or without a reduced commission;
optional participation in the Thank You bonus program and connection to the Piggy Bank;
privileges of Visa and MasterCard partners.

Is it possible to transfer money to it?

One of the main reasons for applying for an instant card is the need for one-time or irregular transfers.

Important! Since 2017, transfer of benefits and other regular budget payments not allowed on accounts operating with participation international systems payments. You will need to open a MIR card or a current account that is not linked to plastic.

Cash withdrawal limit

Limitations in the operation of Momentum are noticeable when cashing out large amounts.

You can get up to 50 thousand rubles per day at the cash desk and ATM of Sberbank.
RUR 100 thousand is available for cash withdrawal within the bank per month.
Above the specified amounts a commission of 0.5% is charged.

Sberbank does not limit receiving cash in other credit organizations, but takes a commission of 0.75 to 1%. Third party bank also usually retains its percentage.

How to activate?

Momentum implies an independent choice of PIN code; it can only be set through the terminal. Activation occurs one day after the code is specified or after any operation involving its entry. It is impossible to set a code or activate a card via the Internet.

Once you receive Momentum, activate it at an ATM, to do this:

insert the card into the terminal;
the ATM interface has minor differences, but the menu will prompt you to set a 4-digit PIN code yourself;
enter the code, remember it;
confirm by pressing the appropriate button on the screen or keyboard;
request a balance or perform any other operation that requires entering a PIN code.

The card is activated. Without leaving the ATM, you can connect your mobile bank and receive a login and password for using Sberbank online. The terminal menu is friendly and usually does not raise questions about how to find the necessary items.

In case of difficulties or lack of experience, there are employees in the customer service rooms whose responsibilities include consultation on any questions about the services. You can ask for help. It's free.

Pros and cons of the Momentum card

Summarizing the described advantages, we highlight:

free issue;
free service;
issuance on the day of application;
the ability to maintain accounts in rubles, euros, US dollars;
functionality all over the world;
availability of all main Sberbank services (online, mobile banking, Spasibo, Kopilka, the widest ATM network in the country);
Affiliate programs Visa and Master Card.

Features that many regard as disadvantages:

low limits on cash withdrawals;
high commission for cashing out in excess of limits;
obstacles in establishing the exact spelling of a name for online payment;
the degree of data protection on Momentum is lower than that of classic products;
closing the previous account and opening a new one after the card expires, which creates problems for transferring salaries.

The Sberbank Momentum card is the fastest in terms of registration and is free. The receiving process will take a few minutes. Let's consider the advantages and disadvantages of this product, conditions of receipt and use.

Terms of service for Momentum cards in Sberbank

The Sberbank Momentum card is a free debit card for instant issuance, to obtain which you just need to have your passport with you. This is the main difference that makes it especially attractive. You just need to come and pick up the product, unlike personalized cards, the issue of which you need to wait 2 weeks, and you also have to pay for the service.

The functionality of Sberbank Momentum is similar to others plastic cards. Debit and credit card Momentum from Sberbank of international payment systems Visa and MasterCard. By paying with them you can return from 0.5 to 20-50% of the cost of the goods by connecting to the “Thank you” program. It is also possible to manage funds in the account remotely, through the Sberbank Online system or mobile application.

The Momentum credit card is provided with a grace period of 50 days, like other Sberbank credit cards. The interest on the loan is from 23.9%, and its size can reach 600 thousand rubles.

As with other Sberbank cards, all holders of a Sberbank Momentum credit or debit card can use Mobile Banking, managing funds via short SMS commands. Self-service devices – terminals, ATMs – are always available to clients.

Contactless payment is not supported, but it is possible to pay for services/goods using only your phone through the Apple/Android/Samsung Pay applications.

Let's consider the conditions under which Sberbank debit and credit cards are provided, and highlight the main advantages and disadvantages.

Cash withdrawal limit on Momentum Visa and MasterCard cards

Possible currencies of the Sberbank Momentum debit card are rubles, US dollars or euros. The credit card is provided only in rubles. Plastic is issued and serviced free of charge; you also do not need to pay anything for regular or early reissue. Additional cards are not issued. Among the disadvantages is a lower cash withdrawal limit.

Debit

Available limits of the Sberbank Momentum debit card:

The monthly limit on cash withdrawals (at a cash register/ATM) is 100 thousand rubles/3000 dollars or 2500 euros;
Daily allowance at any cash desks/ATMs/without a card for cash withdrawal – 50 thousand rubles. (equivalent in foreign currency) or 1600 dollars/1200 euros;
For transferring funds to another Sberbank client through remote servers using a card number, the limit is lower than for other cards - up to 101 thousand (only rubles can be transferred);
There is also a limit on payments by bank transfer - 100 thousand rubles. (3.5 thousand dollars / 2.5 thousand euros) per day.

Transaction fees, according to the terms of service for the Momentum debit card, will be as follows:

There is no commission for replenishing an account through a cash register, except in cases where money is deposited in another regional bank not personally by the owner of the plastic (the commission for this is 1.25% of the amount, but min. 30 and max. 1000 rubles);
for cash withdrawals at the branch where the card is opened - there is no commission within the daily limit, for an amount exceeding it - 0.5%;
cash withdrawal from other TB/subsidiary banks – 0.75%;
cash withdrawal through cash desks/ATMs of third-party financial institutions - 1%, but not less than 150 rubles. ($5/euro);
checking account balance – 15 rubles/request;
full package of mobile banking – 60 rubles/month. (after free 2 months).

Credit

Available limits on Momentum credit cards:

cash withdrawal per day – up to 150,000;
through local ATMs – no more than 50,000;
through the cash desk of Sberbank and other banks - up to 150,000.

For cash withdrawal - 3% in your own bank, 4% in a foreign bank, but not less than 390 rubles.

Pros and cons of using a card

Thus, we can highlight the following advantages of Momentum cards:

free service and receipt;
fast processing;
the ability to remotely manage money through remote services via the Internet or telephone (Sberbank Online, mobile app and SMS command), settings for automatic payments and transfers;
access to all regular bank card transactions without additional fees;
savings through participation in the “Thank you from Sberbank” program and promotions from Visa/Mastercard;
credit cards also have low advantages interest rates And large size credit limit By personal offer bank for existing clients.

The disadvantages of Momentum cards from Sberbank include:

lower limits compared to similar products (for cash withdrawals, transfer of funds through UCO);
inability to connect to the salary project;
If the card is lost/stolen, the card cannot be restored - you will need to get a new one;
with cards without a chip (issued before May 2016), difficulties may arise when paying abroad;
more low level security of transactions, since the card is linked only to a mobile number.

As you can see, the disadvantages are less significant and there are fewer of them.

How to get a Momentum card from Sberbank

How to get a Momentum card? This is the easiest plastic to design.

Debit

The Sberbank Momentum Visa/MasterCard debit card is valid for three years; according to the bank’s conditions, it can be issued upon reaching 14 years of age.

To get it it is enough:

come to the nearest office with your passport;
sign an agreement;
pick up the card.

Credit

Momentum - at a bank branch or through online application website (in the Visa or MasterCard payment system at the client’s discretion). The credit card is available if you have Russian citizenship and permanent/temporary registration in Russia; citizens of the Russian Federation aged 21-65 can receive it.

These include:

holders of salary/pension cards;
active owners of other payment cards;
Sberbank depositors;
holders of consumer loans.

Sberbank will inform you about the pre-approved offer, and the client will already decide to accept or refuse such a credit card.

10 minutes to read. Views 889

Sberbank Momentum debit card is one of the most affordable Sberbank projects. The functionality of the card is extensive and allows you to use the card in Russia and abroad. Media holders have access to most electronic services Security systems that allow you to remotely manage funds, send transfers, pay for services and purchase goods both in the Russian Federation and abroad.

The main advantage of plastic is fast and free receipt. The requirements for applicants are low. If you need to receive a payment instrument urgently, the described option is the most promising.

Features of the SB Instant Debit Card

Momentum occupies a special place in the Sberbank line, as it was originally created for the convenience of the majority of Russians. The card provides access to the issuer’s optimal set of functions:

simple management of savings through your personal account (PA) on your phone and PC;
cash withdrawal;
sending transfers;
non-cash payments for goods and services in most countries of the world;
subject to connection to the “Thank you from Sberbank” program, bonuses are accrued when using payment instrument.

Card without holder's name

Holders of classic and other Sber cards can see their own name clearly embossed on the front side. Only the following are stamped on Momentum:

her number;
period of operation;

There is no indication who the instrument holder is. This does not mean that the card is completely unnamed. Its affiliation with a specific client is recorded in Sberbank documentation. If you need to make a transaction in which you need to indicate your full name in the form you fill out, you must enter them manually in the Latin equivalent (as in your international passport).

To avoid making mistakes when writing your own personal data in Latin, you can check the correct spelling:

on other plastic, if available;
at the Security Service office;
V electronic application to receive any type of payment instrument on the official Sber resource.

In the latter case, you just need to start filling out the application without completing the action until confirmation.

What is the difference between nominal and non-nominal?

The Sberbank name card looks more presentable. The unnamed one is modestly decorated and does not have a full name. In addition to external differences, there are also restrictions on use:

can be used abroad, but the emergency cash service is not available;
Cash withdrawals from the cash desks of other financial institutions are carried out at an increased rate;
modest limits on cash withdrawals and sending transfers.

How much?

As already noted, the cost of issuing the card described is 0.00 rubles. Its annual maintenance is also free. In case of loss of plastic or its PIN, re-issue is not provided. You need to close the agreement and issue a new, similar payment instrument or a higher status.

You can use the following free services:

mobile bank Economy;
receiving account reports when contacting the office or by email;
non-cash payment types;
replenishment using Sberbank instruments;
withdrawal of funds from Sberbank within the limit.

Who will receive an instant card from Sberbank?

If you want to become the owner of the described banking product, check whether you meet Sberbank’s requirements for clients.

Client requirements

To obtain approval for registration you need:

presence of Russian citizenship;
presence of registration on the territory Russian Federation permanent or temporary;
age range: 14 years or more.

Possibilities of plastic

The conditions for using the card are the optimal set of functions necessary for the average citizen:

present instead of money at cash desks all over the world;
pay for services and make transfers in SB Internet banking;
install Autopayment;
use the Piggy Bank;
participate and receive bonuses in the “Thank you from Sberbank” program;
call the financial institution’s support service if you have questions or problems;
enjoy the privileges of loyalty programs of international payment systems Visa or MasterCard.

Is it possible to pay online?

The described card is accepted in all online stores in the world. The data placed on it is enough to fill out the necessary fields in the application forms trading platforms working online.

If in the application form, in addition to the validity period, CVC and card number, you need to indicate the name of the holder, the algorithm for obtaining the Latin version of the spelling is discussed a little higher.

Restrictions

Restrictions on payments in stores and online stores are not noticeable during normal shopping. The user encounters them when he intends to withdraw large amounts of cash or make an expensive purchase:

within a month you can cash out no more than 100,000.00 rubles;
You can withdraw up to 50,000.00 rubles within 24 hours without paying a commission;
per day you can pay by card for no more than 100,000.00 rubles;
Emergency issuance of funds outside the Russian Federation is not provided.

If you need to withdraw cash in excess of the established limit, 0.75% will be deducted from the excess amount. You can also withdraw money from the described payment instrument at ATMs of other banks. There are no limits, but the commission will be from 0.75% to 1%, minimum 150.00 rubles.

What's the catch?

There is no catch. The Sberbank administration, when studying consumer requests, identified a part of citizens who irregularly use banking services. They need a card occasionally, when they need to receive or send small amounts money or occasionally make purchases in online stores. The free card was created for those who decide to do without plastic if they have to pay 450.00 rubles annually for it.

By creating such a product, Sberbank does not lose anything, since it charges 2% per trade organizations, accepting payment by card. The payment tool has an optimal set of free options; if you need anything additional, it can be obtained for an additional fee.

Is it available now?

You can find information online that the described Momentum card is no longer issued. This is wrong. Sberbank did not cancel, but modernized instant plastic. Previously, you could order a Master Card Maestro or Visa Electron Momentum, for which you had to pay 300.00 rubles per year. The current instant card is issued for more than favorable conditions, and therefore the demand for it has increased.

Rates

As has been noted more than once, users receive the standard minimum of services for free. If services beyond those provided are needed, you will need to pay extra for their provision. Tariffs are:

checking card balance – 15.00 rubles;
receiving a mini-statement for the last 10 transactions – 15.00 rubles;
mobile bank “Economy” package – 0.00 rubles;
full version of mobile banking – 60.00 rubles (the first 2 months are free).

Are there any other paid services?

In addition to what has already been said, insurance will also be required for the Momentum card.

Insurance

All financial institutions offer deposit insurance. The client has the right to decide whether he needs such an option. If you make a positive decision, you will have to pay extra for insurance against the risks of losing money. Momentum card protection costs 700.00 rubles per year. These are justified expenses, since plastic is poorly protected from the possibility of money theft.

Momentum R – what is it?

Many users may notice an “R” on the front of their cards. It means that this plastic card is linked to a ruble account. It is also possible to open a payment instrument of the described type in dollars or euros.

Ruble instant cards are accepted for payment in all countries of the world. If the currency of the state differs from the currency of the plastic, when using it, an automatic conversion occurs according to bank rate. If you purchase goods from foreign online stores, before making payment, check whether the seller offers to pay in rubles. For example, on the popular Alli-Express site this is possible.

The key advantage of the Sberbank card in question is the speed of issuance. You can receive a payment instrument within 10 minutes after submitting your application. Momentum cards are waiting for holders in all Sberbank branches and are always ready for issue.

The algorithm for obtaining Momentum is as follows:

Come to any Sberbank office.
Announce your intention to the operator and present your ID.
Sign in standard contract after carefully studying its points.
Take the finished card.

How to use?

As soon as you are given the described payment instrument at Sberbank, you can activate it and start using it. The conditions of use are the same as when receiving other plastic options.

Is it possible to transfer funds to it?

The main reason why many Russians decide to open a Momentum card at Sberbank is the need to receive electronic transfers from time to time.

When it comes to salary transfers or social payments, international Momentum will not work. For such purposes, you will have to open the WORLD card.

How to activate?

Automatic activation of Momentum occurs one day after its PIN is determined. You can activate your card faster if you perform any operation with it, for example, find out your balance.

Activation of the card at an ATM is carried out as follows:

Insert the plastic into the self-service machine.
Set your PIN code. The system will automatically prompt you to perform this action.
Enter any 4 numbers, write them down or remember them.
Confirm by pressing the button.
Request your card balance in the system or perform another action.

The card will be activated immediately. Right there, in the self-service machine, you can request a login and password to log into Sberbank Internet banking.

The described payment instrument, according to users, has pros and cons. The following advantages are most often highlighted:

no maintenance cost;
there is no issuance fee;
speed of registration;
you can choose a currency from 3 popular options;
accepting payments all over the world;
the ability to use all Sberbank services;
invitation to participate in the “Thank you from Sberbank” bonus program;
additional privileges from Visa and MasterCard payment systems.

Disadvantages for many users include:

impossibility of re-registration in case of loss or theft;
not the best reliable protection from fraudulent activities;
there is no owner’s name on the plastic, you have to look for the correct spelling of the first and last name in Latin letters;
a small cash withdrawal limit and a high commission fee for cashing out over the limit;
lack of possibility of emergency receipt of funds outside Russia;
You cannot receive wages and social benefits using plastic.

You should order a Momentum card only after weighing all its advantages and disadvantages.

Hello! Today we will consider this banking product like a Sberbank Momentum card! It appeared just a couple of years ago and many do not quite understand why it is needed at all. Now do you know what it is? What is it for? Is it relevant? visa classic momentum in 2018? I will also tell you about all the pros and cons of this acquisition. But that's not all. Read on and find out for yourself.

Sberbank momentum card - what is it?

is a product designed to transfer money between accounts of the same financial institution without commission. But you still have to pay some fees. After all, banks don’t do anything for nothing; there must be some benefit from this. In addition, sometimes such plastic is issued so that you can use the account while your debit card is still being processed.

Essentially it's a copy classic card performing almost identical functions, but with reduced conditions. Many people are attracted to this thing because they don’t have to pay interest on operations.

For example, some people are clients of other banks and live somewhere in Moscow. And then the moment comes when they need to transfer money to a card or Sberbank account. Naturally, with a regular transfer, we’ll say the amounts in 50,000 rubles They will be charged a commission of approximately 750 rubles. This is the best case scenario. Therefore, we have to look for loopholes.

An anonymous person can come to the aid of such poor souls. free card Sberbank Momentum, which, as many say, does not require any commission. To get this product without registering with a new bank, you just need to find relatives or friends who have accounts with Sberbank. Even if you live in Yekaterinburg, and your parents, acquaintances or friends live somewhere in Gorokhov, you can get this debit card through them.

They just go to the bank, take it and send it to you by letter, you can even issue it to your phone number. This is the best way to do it! It will be possible to receive different transaction confirmation codes and pay or disable it. But remember that momentum r still has a Sberbank commission.

By the way, the R sign means that this is ruble momentum.

Momentum Debit Card

Before receiving, first of all, familiarize yourself with this product in more detail. Once you have your visa card in your hands, you can start using it. No activation required.

Terms of issue

Distributed for free.
Delivery time is about 10 minutes.
Participates in the thank you bonus program from Sberbank.
Can be used for 3 years.

Conditions of registration

To obtain this map momentum in Russia you need a phone number, a passport and about 30 minutes of free time!

Cash withdrawal conditions

To withdraw money, you will need a regular Sberbank ATM. Moreover, no commission will be charged if you do not exceed the limit. And you also need to shoot it in a Sberbank machine.

Momentum Credit Card

The card is issued as quickly as described above. All you have to do is fill out an application. After this you will receive your account number and PIN code. Now to activate the plastic you just need to enter a four-digit number.

For those who do not know what a Sberbank Credit Momentum card is, I’ll explain that this is a special product created for obtaining a loan. That is, with the help of it you can borrow money from the bank.

Terms of use credit momentum visa

You get it for free.
Free preferential limit of 50 days.
The maximum you can take is 600,000 rubles!
The loan rate is 23.9 percent per annum.

The interest on cash withdrawals is zero, up to 50 days of use. Afterwards you will have to pay 3% when withdrawing from your home bank. When withdrawing from another location, you will have to pay as much as 4%. But not less than 390 rubles. You can take out a loan if your age is from 21-65.

Thus, you can get a loan on a momentum card for free and quickly and for a fairly large amount.

Tariffs and limitations of the Momentum card from Sberbank debit and credit

Unfortunately, not everything is as simple and wonderful as it might seem at first glance.

Tariffs and restrictions of the Visa Classic Momentum r debit card

There is no need to pay anything for service or delivery.
The client is required to be at least 14 years old.
No additional card will be issued.
Replacement upon reissue is free of charge.
There is no replenishment fee at Sberbank ATMs and cash desks.
The money is also issued without charging additional interest.
If the daily limit of 50 thousand rubles is exceeded, the commission for cash withdrawals will be 0.5%.
When withdrawing money not through Sberbank facilities, in particular cash desks and ATMs, you will be charged 1%.
In another TB they will charge you 0.75% for issuing money.
In subsidiary banks 0.75%.
In 1 day you can withdraw up to 50,000 rubles! It's the same at other banks.
You can withdraw only 100,000 rubles in one month.
You can pay for goods and services without commission.
You can complete payment transactions up to 100 thousand per day.
For checking the balance on the card through others banking institutions They will charge you 15 rubles.
To get a statement of transactions you will have to pay 15 rubles.
On email you can get a report on your transactions for free.
There is no need to pay anything for the first 2 months. Then, for the complete package, a payment of 60 rubles is charged.

Thus, for many people, the restrictions on visa momentum can be quite significant. Especially if a person earns more than 100 thousand per month.

There are no restrictions on transferring money from the Momentum card. But there is a limit of 100,000 per month, which cannot be exceeded. You can transfer 500 thousand rubles to Sberbank itself; at the time of transfer you will have to confirm this operation with the operator.

Tariffs and restrictions of the Visa Classic Momentum r credit card

The grace period is 50 days.
You can borrow up to 600,000 rubles.
Valid for 3 years.
There is a thank you loyalty program from Sberbank.
You don't have to pay anything for the service.
The card is reissued free of charge.
You can top up your card with money without commission.
Until the grace period, you will not be charged interest.
You will be charged 23.9 per annum for using the loan.
For late repayment you will have to pay 36% per year.
When you receive cash, you will be charged 3%.
If you withdraw cash from other banks, you will be charged 4%.
The limit on the Sberbank Momentum card for issuance is 50 thousand rubles per day.
The daily limit is 150 thousand rubles.
Checking your balance costs 15 rubles.
Check your account balance by sending a report by email for free.
Mobile banking full package is absolutely free.

Thus, using this product they can charge you a hefty percentage.

How much does a momentum card cost at Sberbank?

This product has free maintenance and you do not need to pay anything. In addition to mobile banking, which can also be disabled if desired. This is actually the first product without annual maintenance. Also, if you jump beyond the limits, you will need to pay a small commission.

How long does it take to make a Sberbank Momentum card?

It's usually ready and waiting for you to pick it up. The issuance time varies greatly because there are many delay factors. For example, the queue or the consultant cannot find something. But many owners of momentum claim that it takes 15 – 30 minutes.

How to activate a momentum card?

To activate, just perform any operation. For example, deposit money on it or check your balance at an ATM.

How long does it take for a momentum card to activate?

This card becomes operational literally after you push it into the ATM and perform various manipulations. The consultant usually activates it himself by activating the service.

Also, the card becomes active on its own after just one day without your participation.

How to get a Sberbank momentum card and where?

To make a card, just come to the bank and ask a consultant how this can be implemented. He will tell you or invite you to his place and give you away himself debit card To do this, you need to have an identification document with you and preferably a mobile phone. Since the Sberbank employee, when you open a new card, will ask you to link your phone number to it.

Or, to receive it, you can make an application online in your personal account, and then just come to the financial department and pick up the card.

Reissue of a Sberbank Momentum card upon expiration

Typically the card is valid for 3 years. But recently, in some cases, replacement is carried out after 1 year.

To do this, contact your local financial institution. Usually they renew the Sberbank Momentum card without any problems. Sometimes, due to inexperience, some employees may say that this is impossible. But don’t give up, just say that you read on the Internet that this can be done when the plastic expires. In theory, you should receive a notification on your phone asking you to come and change your card.

What to do if you forgot the PIN code for your Sberbank Momentum card?

Some people write that they have lost their Sberbank momentum card, what should I do, how can I restore it? There is nothing wrong with this, just go to a bank branch, explain the situation and the bank employees should give you a new one. The same thing happens if you forget your PIN code.

Therefore, in order not to waste your time because of such a trifle as forgetting your password, it is better to write it down in a notepad.

Sberbank Momentum card is no longer issued

There was a rumor among people that Sberbank no longer issued Momentum instant cards. In reality, this is simply unconfirmed information. On this moment It’s already 2018 and recently my mother went to the bank without any problems and was given this card.

So, if you are wondering whether they issue it or not, go to the bank and check for yourself. Perhaps banks will temporarily suspend the issuance of such instant cards, are canceled, but then they launch them again.

How to order a Sberbank momentum card via the Internet?

To check out this product, do the following:

Go to your personal account by entering your details.
Go to the "Maps" tab.
Select the desired card.
After that, simply fill out an application for a card directly on the website.
Check your email. You will receive a letter containing the date when you need to come and pick up the plastic.

Thus, you can order a momentum card online in just 5-10 minutes. Remember that upon receipt you need a passport.

How to transfer to a momentum card?

Translation algorithm:

You put money, for example, through the terminal on your card by inserting it there and selecting the function of receiving money
After the money arrives, select the “Payments and Transfers” item. Next is the transfer of funds. After that, enter your plastic number. Click on the special button and enter the amount. After this, the payment will be transferred to the card.

You can also contact the operator, you just need a passport. In this case, the money will arrive in four hours.

How to top up a Momentum Sberbank card?

To replenish you can use:

Personal account online.
Mobile banking with one message.
You can top up your momentum card through the terminal.

How to withdraw money from a momentum card?

It will be problematic or even impossible to withdraw more than 100 thousand rubles from the card. You can do this by opening a new account. For example, start a savings book. Next, go to your mobile bank and transfer the required amount to it. Then go to the cashier and withdraw money.

If you don’t understand how money is withdrawn from a card, it’s quite simple. Insert the card into the ATM and enter the PIN code in the special field. Next, select a cash withdrawal operation and write the amount. Then click receive and voila!!! The ATM will withdraw money with momentum.

How to check the balance on a Sberbank Momentum card?

You can see how much money is left on the card through the receipt that the ATM will issue after withdrawing cash. Or go to your personal account, select a card and see the balance.

How to check your momentum card balance from your phone?

To do this, you must have a mobile bank connected. Just send a message to number 900 in which you write code 01 and add the last 5 digits of the card. But you must understand that the procedure costs about 15 rubles. It is better to check through your personal account.

How to link a momentum card to your phone?

This is necessary to make payments online. The operation of linking a phone to a card is carried out through connecting to the service. To activate it, go to any banking institution the desired bank and ask the consultant to do it.

Required:

Submit a special application
Passport
Telephone
Card

The employee will perform all necessary operations independently. The procedure is performed free of charge.

How to close a Sberbank momentum card?

If you have a credit card and it is not activated, then you do not need to do anything with it. Carefully re-read the terms of the contract; you may be required to make some kind of payment for this plastic. Some banking institutions terminate the contract with the client if the card is not activated within 6 months. Don't forget to disable .

But in any case, you must close the account, and to do this you will have to go to the bank. I am sure workers from this field will help you do this. You just need to make an official refusal.

What is the difference between a momentum card and a registered Sberbank

The main difference is that there is no name on it. In addition, the card is poorly protected and this is the only way scammers can hack it. You will pay commission on payments in small amounts, and if you make transfers within one region, then the percentage will be zero. Card data also differs in limits. You can see them above.

Payment by Momentum card via the Internet

To do this, just do the following:

Enter the card information, this is the number, sometimes the expiration date, first name, last name and 3 verification digit code on the other side.
You will have to confirm your actions via phone by indicating the code sent to your phone in a special form.
If everything goes well, you will be redirected to a page with payment information.

How to pay with a Momentum card on Aliexpress?

To do this, select the item you need, indicate the quantity, click buy and select a Visa card as payment. But before that you will have to go through a simple registration on the aliexpress website.