Surely the holder of any plastic knows that in order to get a card it is not enough just to come to the bank office and leave an application. She still has to wait. After all, it takes time to make a product. Usually this procedure takes no more than a week. As a result, the client will have a personalized card in his hands. She endows the owner with opportunities appropriate to her status.
At the same time, not everyone knows the fact that many banking institutions have ready-made plastic cards, which are called “instant” cards. And Sberbank is no exception. As practice shows, employees of the institution are reluctant to sell this type of product, or do not mention it at all. So what is the Momentum card from Sberbank, how can you use it, and what are its pros and cons. All this will be discussed in this article.
The card from Sberbank "Momentum" is a product instant issuance. The client can receive it immediately after signing the necessary papers. Momentum can be either a credit card or a debit card. However, the card has the following characteristics:
As you can see, the card, in principle, is endowed with all the necessary attributes. Distinctive feature product is not only the lack of data about the owner, but also the fact that it is issued and maintained absolutely free of charge. Along with everyone else, with the help of Momentum, you can easily pay for goods and services, deposit and withdraw money from it. As for the credit card. In terms of its capabilities, it practically does not differ from the rest. Although there are still some limitations. But we will talk about them a little later.
Sberbank produces the following types of Momentum:
Having such a card in hand, the client can carry out the following banking operations:
It should be noted that for the convenience of users, remote control services can be connected to the card. it Mobile bank and internet banking. With their help, the holder will always have up-to-date information on the card, and perform the necessary operations without visiting the bank office.
In addition, to the map Momentum"It is possible to connect the bonus program" Thank you from Sberbank ". This program widely used by cardholders. When this service is activated, points for non-cash payments will be credited to the client’s account, both in sales currents and for online payments in partner stores. With these points, the client can later pay for purchases.
Thus, the Momentum card from Sberbank has almost all the available features. Naturally, it, like any other, has its own limits and tariffs. This will be discussed below.
Taking into account the fact that "Momentum" is not a named card, it should be noted that its limits, compared to the same "Classic", are much lower. More details about this information can be found in the table:
| Debit card rates Visa Classic «Momentum» / MasterCard Standard «Momentum» |
Values |
|---|---|
| Annual maintenance cost | Is free |
| Reissue of the card, both regular and early | Is free |
| Connectivity additional card | NO |
| Replenishment of the card, both through an ATM and at the cash desks of Sberbank | No commission |
| Payment system | Visa, MasterCard |
| Card account currency | rubles, US dollars, euros |
| Card expiry date | 3 years |
| Cash withdrawal Money | |
| At ATMs and at the box office of your territorial branch of Sberbank | No commission within the established limit |
| 0.5% of the amount if the withdrawal amount exceeds the set limit | |
| At ATMs and cash desks of other branches of the bank | 0.75% of the amount within the established limit |
| 0.75% of the excess amount, if the excess limit is removed | |
| At ATMs and cash desks of third-party banking institutions | 1% of the amount, but not less 150 rub. /5 USD /5 EUR |
| WITHDRAWAL LIMITS | |
| Daily limits | |
| 50 000 rub. | |
| At ATMs of other banks | 50 000 rub. |
| At the cash desks of other banks | Without Borders |
| Monthly limit | |
| At ATMs and cash desks of Sberbank | 100 000 rub. |
| Limit on making payments per day | RUB 100,000 / USD 3,500 / EUR 2,500 |
| OBTAINING A STATEMENT | |
| At Sberbank ATMs (last 10 transactions) | 15 rub. per request |
| Checking the balance at ATMs of other banks | 15 rub. per request |
| Getting a map report | is free |
| Mobile bank | |
| Full package for 2 months | is free |
| Full package next months | 60 rub. per month |
| Economy package (without SMS informing) | Is free |
| Internet banking | Is free |
As for the Momentum credit card, according to this type, the following values \u200b\u200bare added to all others:
It is worth noting that, despite the fact that a Momentum credit card is issued as quickly as a debit card, the bank has certain requirements for obtaining it. You can learn more about the available limits, restrictions and requirements by calling the phone number hotline Sberbank, or visit the official website of the institution.
Before issuing an instant card, each user should once again carefully study all the positive and negative sides this product. Having complete information will help to avoid unforeseen situations in the future.
So, the pros and cons of the Momentum card from Sberbank include:
| Advantages |
 Flaws |
|---|---|
|
|
As can be seen from the information provided, the Momentum card is suitable for a person who does not want to spend either time or money on additional “card opportunities”. Moreover, the amount of money that he can have is no more than 50,000 rubles per day, or 100,000 rubles. per month.
Since the Momentum card does not contain information about the owner and is considered "impersonal", the bank issues minimum requirements upon receipt of this product. These include:
Naturally, for a credit card option, the requirements for the client will be slightly higher. For example, the age of the holder must already be from 21 to 65 years old, etc.
However, in order to receive a card, it is enough to come to the bank office, show an identity document and sign required package documents. The whole procedure can take a maximum of 15 minutes.
As noted earlier, many bank branches are reluctant to work with such a product. But for the client there is always the opportunity to issue online application. In this case, all that needs to be done is to come to the branch and pick up the finished product.
Do not forget that the Momentum card is less secure than other analogues. Therefore, when using, additional safety measures should always be observed. For example, you should not tell anyone your PIN code, always turn off the phone screen when working with a mobile application, and, if necessary, block it in time. The same rules apply when working in your Sberbank Online personal account. It is always necessary to press the "Exit" button if you need to move away from the computer screen.
In conclusion, I would like to note that the Momentum card from Sberbank is quite suitable for the average Russian. It is indispensable for daily spending and shopping. However, to make, for example, large transactions, it would be advisable to consider another product.
It's hard to imagine our modern life without having a plastic debit or credit card in our pocket, on which we store our non-cash savings. Sometimes, in order to open an account in any bank, you need to spend a decent amount of time, and even wait at least a week to receive it. Sberbank tried to solve this problem and offered its customers new card Momentum. For those who are not yet aware of what it is, we offer to deal with all the questions right now.
So, the Momentum card issued by Sberbank is nothing more than a standard payment card designed for cashless payments both in stores and via the Internet. Sberbank has developed and issued 2 types of Momentum cards:
The two most important features of the Momentum card are that:
Momentum credit card, in fact, is no different from other similar banking products. It will take a few minutes to complete it, but not everyone will be able to get it. This credit card is intended only for existing Sberbank customers:
The map can be opened with maximum limit up to 600 thousand rubles under interest rate from 23.9% per annum. In this case, payment for the issue and maintenance of the card is not charged. The card has a grace period of up to 50 days.
The second instant product, presented in the form of a debit card, can be used as a standard salary card and use it to carry out all income and expenditure transactions, as with any other card. It is also issued free of charge and can take part in the "Thank you" bonus program. An important feature of these cards is that they are issued unnamed and not chipped. Therefore, it will not be possible to use it for settlements abroad.
Since April 2016, the Visa Momentum card has become a practical alternative to the previously issued Maestro card. Due to its capabilities, it is more convenient to work in Russia and is equipped with a simple system of use. To make a payment, you do not need to enter your pin code every time, just swipe the card through the terminal and the purchase will be paid. Of course, this and additional opportunity for the attackers who have taken possession of it, make purchases at your expense.
Regardless of the type of card being opened (debit or credit), its service life is 3 years. It is worth noting that the countdown does not start from the date of its issue, but from the one indicated on the card. It is possible that the account was opened for you in September and the card was issued in July. In order to find out the expiration date of the card, just look at the data posted on its front side.
Another important plus of the Momentum card is the ability to use it completely free of charge throughout the entire validity period. Sberbank does not provide for payment either for opening a card or for servicing it.
This bank card has a full range of functions, like any other debit or credit card. Among them:
- Available operations: buying goods in stores, paying for utilities and other types of services, replenishing an account (at the cash desk, through a terminal, Sberbank-online), cash withdrawals;
- Internet banking: in both cases, at the time of issuing the card, you receive an identifier and password for working with Sberbank online, thanks to which you can carry out all available electronic transactions with your cards;
- Participation in the "Thank you" program: another bonus from Sberbank, which involves receiving bonus points for making future purchases.
The benefits of the card include the following:
Although the product is promising, you can still find disadvantages in it, just study the reviews and read information about the product:
The very name of the card speaks for itself: the issuance of a payment card takes place within 10 minutes for a debit card, and after 15 minutes for a credit card. This is due to the fact that the card is non-nominal and does not require a lengthy issuance procedure. The cashier will issue you a card immediately after receiving the necessary documents from you.
In order to receive instant card Sberbank must meet the minimum set of conditions:
List required documents also not too big:
As already mentioned, the Momentum card has a certain drawback - a low allowable amount for cash withdrawals, namely:
Of course, this may not be enough for some, however, it should not cause a huge difficulty, especially since now more and more shops and service outlets are hosting terminals for even more comfortable service.
In general, this card will compete with other cards, if only because you don’t have to wait long for it, and no one charges anything for the service.
Momentum Card - convenient option for those who are not going to keep large amounts in a particular account. In the article we will tell you in detail how to get an instant Sberbank card, and what you need to provide for this.
The Momentum card (Momentum) from Sberbank is debit card instant issuance, the registration of which takes only 10 minutes. You can get it at any branch of the bank, providing a minimum package of documents. Read more about how you can get a Sberbank Momentum card below.
The Momentum card is issued to the client right on the day of application, and the entire process of registration and opening an account takes only 10 minutes. This is possible because this plastic medium is not named, that is, the owner's name is missing in the line under the number and expiration date. In any branch of the company there are blanks that require only activation, which is why you can get a Sberbank Momentum card so quickly.
IMPORTANT. Any Russian citizen over the age of 14 can order a Sberbank Momentum card. To open an account, you only need a passport and a residence permit or temporary registration in the territory of the Russian Federation.
Unlike other products of the company, the Momentum card can only be ordered directly at the office, since the application does not require prior approval, and the release of the plastic carrier is instant. How to get a Momentum card at Sberbank? Let's describe in detail:
IMPORTANT. After you have received a Sberbank Momentum card, you need to activate it at any terminal or ATM of the company. To do this, it is enough to replenish the account, the size of the replenishment is unimportant, or perform some operation (for example, activation " mobile bank").
Maintenance of instant issue cards is free. That is, you can use the account immediately without repaying the debt, since usually the service charge is immediately debited from the card. Subsequent registration of banking products of this type will also be free.
The validity period of the "Momentum" card is 3 years. After that, it is automatically reissued, unless the customer cancels the service. It is free of charge, as well as further maintenance and servicing of a bank account.
You can also make a new Sberbank instant card with a preliminary blocking of the old one as a result of loss, theft, etc. It is linked to the same account, which gives you quick access to the remaining funds on it. You can also issue and receive a new plastic carrier at a bank branch.
The Momentum card is serviced at standard bank rates. You can withdraw and deposit funds through the cashier or self-service device without commission. More details can be found at the link, as well as from the managers of the company. Restrictions on maximum size There are no funds in the account. However, it is not recommended to keep large amounts on it, since unnamed cards are more vulnerable in terms of protection against unauthorized use.
Please note that you cannot get an additional plastic carrier for the Sberbank Momentum card. It is also impossible to change the status and type of the card or issue a credit limit on it.
The following payment details are reflected on cards of this type:
The absence of the holder's name causes some restrictions on the use of the card. So, you can withdraw no more than 50,000 rubles per day and make payment transactions on total amount up to 100,000 rubles. Also, some online stores and online payment services may not accept unnamed cards, as there are restrictions on making anonymous payments.
Otherwise, such a plastic carrier does not differ from the usual one. You can get a Sberbank instant card and use it to pay for goods and services, to withdraw and store funds, to make transfers to other accounts within the same bank and to others financial companies. All Sberbank services are available to users: mobile app, "Mobile Bank", Sberbank-Online, the program "Thank you from Sberbank".
It is suitable for those clients who need to quickly access a minimum set of operations. This card is not suitable for using the possibilities of international payment services.
Important: To date, issuance of cards Momentum R terminated. Instead of this series, Sberbank issues unnamed Momentum cards with similar characteristics.
To date, Sberbank issues entire series that differ in payment systems (Visa, Mastercard, MIR), bonus programs( , ), limits and other characteristics. The main advantage of the Momentum series cards is free issuance and maintenance, quick processing and a minimum set of documents. Most often, an unnamed card is issued by new clients of a banking institution and those who wish to open an urgent account. Today, Sberbank provides the opportunity to choose one of two instant issuance cards - or. Plastic cards are issued under the same conditions and differ only in payment systems, that is, discounts, special offers, promotions and other additional features.
For a plastic card of the Momentum series, bonus offers from Sberbank are also provided. So cardholders of this series can receive points for each non-cash card payment. The number of points depends on, and can reach 20% of the amount spent. The accumulated points can be used to pay for the following services:
To get an instant issuance card, you must:
If we talk about the limitations of instant issuance cards, then for many of us they are significant. The Sberbank Momentum card is almost never used outside the state; it is not always possible to pay for an online purchase with its help. Many companies are reluctant to accept entry-level cards, as they do not guarantee secure payments.
Nevertheless, despite such obvious shortcomings, Momentum series cards are in demand because they have a standard set of features:
The Momentum instant issue card from Sberbank has restrictions on cash withdrawals. Within 30 days, the client can cash out an amount not exceeding 100,000 rubles, and within 1 day - no more than 50,000 rubles without charging a commission.
Commission for cashing out at ATMs:
Sberbank is explained by its free service if available wide functionality. But before issuing a card, you should know that it has its own commissions and cash withdrawal limits. We will get acquainted with them in this article.
High acquisition speed is the main advantage of this card. At the same time, the signing of the agreement opens up the following opportunities: managing accounts and making transactions between them, analyzing the use of personal finances, etc. providing protection.
The following data is missing:
For currency accounts limit is set: $3,000 or
2 500 euros.
Replenishment of the card also has limitations: 10 million rubles or the equivalent of this amount in foreign currency.
Ways to deposit money into your card account:
In the general account, the limits on withdrawals from the Sberbank Momentum card do not limit most transfers, and the card itself allows you to comfortably use your funds.
