A plastic card is a multifunctional payment instrument that simplifies a person's life. Today, almost everyone has it.
Large banks, when opening debit media, offer to additionally issue a plastic one on lower and more favorable terms of service. An additional Sberbank card to the main one, as a rule, is tied to the owner's personal account, and allows you to conduct transactions with the money available on it.
What is the purpose of making a duplicate? Why might it be required if it is tied to the main account? Let's take a closer look at these issues.
An additional card is understood as such a plastic carrier, which is issued by a banking organization in relation to the main client account.
The main requirement for its issuance is that a person must have a main card previously issued by Sberbank.
Characteristic features of such carriers:
Most of the organization's clients are interested in how many Sberbank cards can be issued for one person. Today, the number of additional plastic media is not limited to the issuing party. The client independently decides how many copies of the payment instrument he needs. However, in rare cases, the number of cards may be limited to the package of services within which the main plastic was issued.
How does an additional Sberbank card work? It was previously noted that it can be opened in the name of a third party who is not the main account holder. At the same time, it is important to mention that the owner of the duplicate does not get access to the main plastic, and cannot dispose of the funds stored on it.
The rights of a trustee include only the ability to manage the finances that are available on a fixed current account, while observing the established limits.
Example: the owner of the main card issues its duplicate for his wife, setting a monthly limit of 40 thousand rubles. Therefore, when making purchases, the wife will not be able to spend more than the specified limit.
Legally, the second card is registered with a trusted person, since his initials are indicated on its front side. However, in fact, a copy is assigned to the account holder, since all monetary transactions performed are linked to his card.
In this regard, the responsibility to Sberbank for the operation of both cards rests with the owner of the main one.
You can bind the second plastic carrier to certain categories of cards. To date, Sberbank is issuing duplicates:
It is noteworthy that you can order additional media only within the framework of the MPS - Visa and MasterCard. Opening a duplicate of the plastic WORLD is not possible at the moment. It is also impossible to get a copy of a credit card.
Step-by-step instructions on how to order a copy of a plastic carrier:
The payment instrument production time ranges from 3 business days to 2 weeks.
You can apply for a second or third card only at a bank branch, submitting an application online through Personal Area impossible. At the same time, it is necessary to understand that it is not an exact copy of the main payment instrument.
Key differences between duplicates:
Otherwise, the additional card has the same characteristics as the main one. They have the same currencies and expiration dates, and are decommissioned at the same time; belong to the same payment systems.
As noted above, an organization has the right to issue two (or more) cards to one account with Sberbank. A potential holder of a repeated card must be at least 14 years old, when he already has a passport of a citizen of the Russian Federation in his hands. Parents who want to give their young child the right to manage money can also combine Sberbank cards. In this case, the minimum age is 10 years.
When applying for a duplicate, they are required to provide the children's birth certificate.
Issuing additional cards has its merits.
For example, a duplicate of the main card can be ordered for a child, which will enable him to make cashless payments for purchases on his own.
It is worth adding that the limits are updated monthly, freely regulated by the owner of the main card.
The second card is not an independent means of payment, it has a number of limitations and disadvantages, which are presented below.
Thus, additional cards have a number of significant drawbacks. Therefore, deciding to combine plastic media, weigh the pros and cons. Perhaps it makes sense to issue another primary means of payment.
Can I make an additional card for another person?
Yes, you can. To get another duplicate card, you need to contact the bank branch by filling out the appropriate application. In this case, the plastic is linked to the main account of the holder.
Is it possible to have two Sberbank cards with different accounts?
Yes, you can. The client has the right to open several accounts in Sberbank (not only personal, but also loan), linking different cards to them.
In conclusion, I would like to note that an additional card is a fairly convenient means of payment, which does not involve expensive annual maintenance.
At the same time, they have many limitations, therefore, before issuing, it is recommended to determine for what purposes you plan to use a plastic card and you will be able to implement them through an additional one.
I have a bank account, I withdraw money through an ATM using a plastic Visa card. Very comfortably. But I want to get another card to the same account and give it to my daughter so that she can withdraw money herself. Is it possible to do this? Anastasia Permyakova, Kirovsky district.
If you already have your own account and card, you can easily get 8 more additional ones - for any people. Moreover, it is not at all necessary that they be relatives, - said Gleb RUSIN, an employee of the Baikal Bank of the Savings Bank of Russia. - The main thing is that you can give them the card and explain the rules of use. To get these cards, the account holder must write an application to the bank. Moreover, on such a card, a spending limit is also set - for a day, a week, a month. Thus, you will be able to control that the child's expenses do not exceed the norm. Let's say 500 or 1000 rubles a week. In this case, many connect to themselves the "mobile bank" function. Then messages will be sent to the cell about where, when and how much money was spent from the card. If something happened - the card can be blocked. It is also important that such cards are given to their relatives and friends not only from Irkutsk, but from any city and village in Russia and 130 countries of the world where there are ATMs.
How much does it cost to transfer a phone number to a new address I heard that now you can keep your phone number when moving and not pay again for connection. Is this true? Irina Terentyeva, Mr. Novo-Lenino.
The press service of "Sibirtelecom" told our newspaper that from February 1, the company changed the payment for keeping the number when moving. True, this can be done only within one district of the city (one ATS). Previously, 20% of the connection price was charged for transferring a number to another address (in the event that the new housing is equipped with telephones). With a connection cost of 5,000 subscribers had to pay 1,000 rubles. Now the people of Irkutsk will pay 819 rubles for the same service. The expenses of those who moved to an apartment without a telephone also decreased. Until February 1, they were charged 2,500 rubles (50% of the connection cost). Now 1589 rubles.
How to fight the fluIn Irkutsk, there is an epidemic of colds and flu. Everyone around is sneezing. And I don't want to get sick. What means is better to drink during this epidemic so as not to get infected? Alina Tatarnikova, Mr. Lisikha.
Received special resolution of the chief state sanitary doctor for the Irkutsk region about SARS and influenza.Specialists of the territorial administration Rospotrebnadzor in the Irkutsk region compiled a memo with recommendations for prevention during this period. Irkutsk residents are recommended to drink a course of their choice: - antiviral drugs: rimantadine, arbidol, oxalin ointment, interferon, influenzaferon, amixin, cycloferon; , ginseng, and multivitamins. In the instructions for each of the drugs, it is written how to use them prophylactically and how to treat the disease. If you can choose the drug yourself to prevent ARVI, then for treatment - always under the guidance of a doctor.! At the first symptoms of the disease, it is necessary to seek medical help by calling a doctor at home.
Large banks have introduced a service in which they issue not only a plastic payment card Visa systems Classic and Mastercard, but also optional. The second card has free service or more low level. In any case, it is attached to the owner's account and is completely dependent on him. Why do we need a card that duplicates the main one, tied to the same current account with it? Does it make sense to make it? Should I agree to the offered service of the bank to open another card?
Often, spouses or family members are faced with the situation that there is only one plastic card, but two people need it at the same time. What to do?
The solution is simple - order two cards for one account. Both will be issued to one bank account, the owner of which opens access to it to authorized persons by opening an additional card. It is not required to collect a package of documents, it is only necessary to present the passport of the person for whom the credit card is registered. The duplicate shows his name and the person receives money from ATMs and pays for goods in stores and outlets, if necessary, shows a passport for personal identification.
It's the same plastic card for the same current account of the client as the main one. It does not have to be registered with the owner. An additional card, if desired, can be opened in the name of a spouse (wife), children, relatives, individuals who are granted the right to use the money on the account. If the owner does not grant the right to dispose of them completely, he has the right to establish restrictions.
Important. An unlimited number of additional accounts can be linked to one account.
Since all persons on whom it is issued do not own a current account, they do not control operations on the main card. They only have access to money, and even then in the amount provided. If the owner of the main card of Sberbank opened an additional card for his wife and limited the limit, she can only spend the allocated amount.
The duplicate, of course, belongs to the person whose initials are on the plastic. He is also informed of the PIN code for transactions. But the plastic card, anyway, is registered with the person who owns the account. After all, all operations are tied to his personal account, and it is the owner who is responsible to the bank.
By opening an additional Sberbank debit card, the whole family uses bank account, without sharing the budget and without saving on maintenance. In this case, one of the family members has the main one, and the rest have duplicates.
Important. Sberbank offers customers profitable terms issuance of additional cards: the cost of issuing and servicing for the first year is 450 rubles, for all subsequent years 300 rubles each, and the number of additional cards for one main plastic is not limited.
How to customers government organizations issue an additional card in Sberbank? To do this, it is necessary that the authorized person is 18 years old, and the relative is at least 14 years old, i.e. he must have a passport. It is not required to have Russian citizenship. Children from 10 to 14 years old are allowed to issue an additional card tied to the main close relative - parents or guardian. An outsider opens an additional one in the name of the child, having received the written consent of his parents.
Parents open to the child an additional one that provides useful opportunities. First, he pays by card instead of cash. So it is safer to shop online or in stores. Secondly, transactions can be monitored by receiving SMS messages. Thirdly, the additional card does not have its own account, and parents always find out about their children's purchases according to the state of their balance. Fourth, it is not necessary to give the child access to all means. You can impose restrictions so that he does not spend more than desirable. The limit set for the child is updated monthly. They issue a card for the child at the branch of Sberbank, having come with a passport and a birth certificate of the child. It takes from three days to two weeks to issue an additional card. Bank employees will inform about its readiness by phone call or SMS. It is issued to parents.
For release to other family members or trusted individuals:
Important. Sets limits on operations carried out from a duplicate, at the discretion of the owner of the main card:
According to customer reviews of Sberbank and others banking organizations, the issuance of additional cards is a convenient and safe tool for managing the family budget, saving on banking services throughout the year, for controlling transactions from the main balance.
questions and answers bank accounts formsQuestion: Tell me, please, in Sberbank Online, I found out that I have two credit cards. One is a salary card, to which my salary is transferred, and the second, the existence of which I did not even suspect. Apparently my former employer started it without my consent. Card status "To be issued" more than a year back. I have not done any transactions with this card. She has an account - (minus) 450 rubles. Apparently this is a fee for using the card. In this regard, the question is: is it legally brought credit card without my consent and whether I have to repay the debt on it.
Answer: Each client has the right to issue in his bank the number of cards necessary for comfortable work - but only debit cards, and each card will be linked to his account. There were no restrictions on the number of cards. But a credit card can most likely be issued only one, since it is linked to the client's solvency.
To begin with, without filling out the appropriate loan application form, you could not be issued a credit card, so you most likely have a salary debit card, to which your wage. You filled out and signed an application for this card at the enterprise, and then the accountant took it to the bank and after 10-15 days you received a card and an envelope with a PIN code. Take into account such a moment that without proper filing of an application, Sberbank employees never issue a card, therefore, applications were issued, possibly on behalf of the enterprise (under a service agreement). At the end of each application, the assigned to this client and according to this statement card account number. Since two accounts are opened, this additionally confirms the fact that the card was not issued without an application, and there were two applications.
You have two cards as a bank client in the following cases:
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Clients have the right to open the required number of settlement, deposit and other accounts in any currency in banks with their consent, unless otherwise provided by federal law.
But after looking at the tariffs for the terms of service of salary cards, I had one more question. Who paid for the service card account for the first year? Your organization? According to the tariffs of Sberbank, the client pays for the annual maintenance of a bank card:
Do you have to pay off the debt on the second card? They should, but only after you make sure that you yourself filled out and signed the application for the second card and you were actually given it. If this was done in the accounting department of your enterprise, and there is no application signed by you in the bank, and you do not have a card in your hands, you must demand that the account be closed without paying for the bank's services. You can try to shift the costs to those who issued this card for you so as not to create confusion.
And one more thing - so that there are no additional service costs, the second Sberbank card must be repaid as quickly as possible, and
Today bank VTB trusted by many citizens of Russia, because it has a good reputation and offers many high-quality services, including the opening of a master account, that is, the main one. It opens in several currencies for ease of payment. A plastic card is bound to it. The owner can also open several additional cards in order, for example, to issue a duplicate to his wife.
You can open a ruble and foreign currency account at the VTB office when concluding a comprehensive service agreement. The agreement guarantees the client the provision of the entire range of VTB services. It includes:
In order to conclude an agreement with VTB, it is necessary to submit an appropriate application to the branch. The client must have an identity document with him.
It should be noted that in some situations VTB comprehensive service connects automatically. For example, if it is made bank card, issued consumer credit and in other situations.
VTB client can issue additional cards. They are issued free of charge, and the number varies depending on the service package. The peculiarity of additional cards is that they have their own individual number, but do not have a separate account, as they are tied to main map. You can open additional cards both in the name of the owner of the master account, and in the name of his relatives, friends or acquaintances. In particular, this service is relevant for parents who can issue cards for their minor children. The latter cannot have their own in the bank until they reach the age of 18.
In order to issue additional cards, it is necessary to write an appropriate application at the VTB branch and fill out a questionnaire. You need to have a personal passport and the passport of the person for whom the card is opened. The application is considered within 3-5 business days. The VTB manager will notify the applicant by telephone that the card is ready. Both the applicant and the person in whose name it is issued can pick up the card.
The client is connected to the standard package of services. However, if desired, he can switch to another package that provides more features.
| Package name | Additional features |
|---|---|
| Classical | The client receives a standard card from Visa or MasterCard. Additionally, the possibility of SMS-informing is provided. |
| Gold | A privileged gold card is provided. Its holder becomes a member of the insurance program, as well as the "Partners of the Bank" and "Concierge Service" programs |
| Platinum | A platinum card is provided for the platinum service package. The owner connects to the insurance program and SMS-informing, as well as to the "Partners of the Bank" and "Concierge Service" programs |
| Privileged | The client receives a status world map Black Edition with the possibility of renewal of the limit. In addition to all the above opportunities, the holder is covered by the Traveler Protection program |
The master account is a complex product that includes several accounts. One of them is opened in rubles, others - in dollars and euros. They are equal among themselves, however, as a rule, the account in national currency used more often than others. It has the following features:
Use foreign money on the territory of Russia in in large numbers Not sure it's going to happen. However currency accounts useful when traveling. They are practically in no way inferior to the ruble and have the same capabilities. You can replenish them at the VTB branch. The card works in all ATMs, the commission for cashing out Money minimum.
The expediency and benefits of opening a master account with VTB cannot be denied. The main advantage is that the client receives a comprehensive service from VTB, and for using additional services charged minimum commission. The possibilities for the client are almost limitless. In particular, he can:
There are also disadvantages. A significant disadvantage of the VTB multicard is the unfavorable currency conversion rate. So, if the goods need to be paid in dollars, but they are not on the account, then the currency is exchanged automatically. For this operation, VTB charges a commission. Another drawback is double conversion, when, for example, rubles are converted into dollars, and then dollars are changed back into rubles.
VTB offers to replenish the master account by various methods, based on which one will be most convenient. Many VTB customers prefer to deposit funds via Internet banking. To do this, just specify the details of the master account and the account from which the money will be debited. Another option is to use the service bank transfer. You can carry it out at the VTB office knowing the account number. You can also replenish the master account through an ATM or by transferring funds from electronic payment systems. Today VTB accepts payments from Qiwi, WebMoney, Yandex.Money.
VTB financial institution offers its clients to conclude a comprehensive service agreement, for which a master account is opened. This is the right decision, since VTB clients have access to almost all banking products and services. main feature the master account lies in its multicurrency. The cardholder can carry out transactions in currencies such as rubles, dollars and euros.
