What do you need to get a Sberbank card? How much does a Sberbank debit card cost?

Sberbank issues not only credit and salary cards. Anyone can contact this bank and order a standard debit card for making payments and storing personal funds. Any adult citizen can make a Sberbank card. Moreover, among the offers there is a Youth Card, which is available from 14 years of age.

The most popular Sberbank debit cards

The bank issues more than a dozen debit payment instruments, but there are several options that are especially in demand among clients.

1. . The simplest one, the maintenance of which costs 750 rubles for the first year of use and 450 for subsequent years. Apart from the “Thank you” program, the card is not equipped with any other bonuses. At the client’s choice, it can be serviced by the Visa, MIR or MasterCard systems, and can be used all over the world.
2. . The advantage of this product is the improved algorithm for calculating bonuses under the “Thank You” program. For paying for gas station services and some taxis, the holder receives 10% of the purchase in bonuses. 5% bonuses are given for purchases in restaurants and cafes, 1.5% for purchases in supermarkets. Servicing such a card costs 4,900 rubles per year.
3. . Its release is often initiated by the parents of citizens over 14 years of age. It is intended for use by citizens aged 14-25 years. The card is standard, service is inexpensive - 150 rubles annually.
4. . For every 60 rubles spent on purchases, the holder receives 1 bonus mile. As they accumulate, bonuses can be exchanged for Aeroflot services. You can open the Sberbank Aeroflot card in Gold form, it will run 1.5 miles. Servicing a classic costs 900 rubles a year, a gold one costs 3,500.

These are the most popular debit products of Sberbank, but there are others in the list of offers. With all Sberbank debit cards you can. For the convenience of users, each product is accompanied by a detailed description indicating tariffs and features of use. After choosing a card, you can immediately submit an online application for its issue.

Who can get a Sberbank card

In the case of debit products, there are no requirements; banks set some requirements for credit card holders and ask them to provide a large package of documents.

Even a minor citizen can create a Sberbank card for personal use. If a child has reached 14 years of age, he can contact Sberbank and independently apply for a Youth Card. All other debit products are available to citizens over 18 years of age with no upper age limit.

Among the documents you need to provide the bank with your original passport. It must be valid; expired ones will not be accepted. Sberbank allows a situation where one citizen issues a card for another, but in this case a notarized power of attorney is required.

Sberbank issues debit cards to citizens over 14 years of age only if they have a passport.

How to apply for a Sberbank bank card online

If we are talking about a simple debit product, then you can submit an application in two ways - personally contact a branch of a financial institution or submit an application online, having previously studied the products and selected the appropriate one.

If you decide to make a map via the Internet:

1. Select a means of payment that is suitable for the terms of service and tariffs and begin submitting the application.
2. You need to select a convenient service system (Visa, MasterCard, MIR) and the currency of the account to be opened, indicate personal data, mobile phone number and email address. Here the citizen enters his passport data.
3. The application is sent to the bank. A bank representative promptly calls the citizen back and informs him approximately when to expect the card to be issued.
4. When the payment instrument is delivered to the branch, the client will be notified about this via SMS or call. All you have to do is come to the office with your passport and pick up the card.

When submitting an online application, you can get a Sberbank card in one visit to the office.

How to start through the office

You can also submit an application for issue by directly visiting a bank branch. You can take your passport and come to any convenient branch where services are provided to individuals. There is no need to register; you will be served on a first-come, first-served basis.

First, it is better to familiarize yourself with Sberbank’s proposals regarding the issuance of debit cards and choose the appropriate product. You will receive additional advice on this in the office.

How to make a Sberbank debit card:

1. Visit the bank office, taking your passport with you. Approach the manager in line and inform about your intention to issue a debit card.
2. The manager draws up a statement and gives it to the client to sign.
3. The client is informed of the approximate terms for the release of plastic.
4. The citizen waits for a call or SMS message about the readiness of the card, then comes to the office again and picks it up.

How long does it take to make a debit card?

Since most often we are talking about personalized cards, the bank needs time to issue a means of payment: it needs to be made and the holder’s name and surname put on it. Manufacturing is carried out not in bank offices, but in other places, so you need to wait not only for the product to be manufactured, but also for its delivery.

If a resident of a large city wants to open a Sberbank card: Moscow, St. Petersburg, Novosibirsk, Yekaterinburg and others, then you won’t have to wait long, the card will be delivered to the desired branch in 2-3 business days. In these cities, delivery takes 3-10 business days. But if you live in a remote corner of Russia, then the wait may last 10-15 days.

How to apply for an instant Sberbank card

If you need a card urgently, if you don’t have time to wait for it to be issued and delivered, then you can order an instant card. It will not reflect information about the owner; a bank employee on the spot can register the stocked “blank” for the client. Such cards are less secure to use, but still have standard debit functionality. Moreover, the service will be free.

To get an instant Sberbank card, you need to go to its branch with a passport; online applications for such products are not accepted. After completing the application, the card is registered on the spot and issued to the owner within 10 minutes.

How to open a virtual type card

The bank's offerings also include such a product. A virtual card is a digital product without physical media. It has details and an invoice that can be used to pay online. As a standard, you cannot use it to withdraw cash or pay for goods in regular stores.

How to make a virtual Sberbank card? This can only be done by an existing bank client, since the operation is carried out through Sberbank Online. The card is issued instantly in a couple of clicks.

How much does it cost to get a Sberbank card?

If you are thinking about how to open a card at Sberbank for free, then you can be happy - this bank never charges a fee for the very fact of issuing a means of payment.

Payment is provided only for using the product, it is charged according to service tariffs once a year. The only completely free option is the Instant Card; its holders pay nothing at all.

To apply for a MIR payment card from Sberbank, you need to go to the office with your passport and sign an application. Its tariffs and conditions are not much different from international VISA and MasterCard.

A new payment system appeared in Russia quite recently. It is designed for the domestic market, which means it can only be paid within the territory of our country. Sberbank, as a flagship bank, did not stand aside and also released a MIR card option under its logo. “I am a capitalist” will tell you how to get a MIR card from Sberbank.

Conditions

Sberbank offers two types of cards of the domestic payment system MIR:

• Classical;
• Social.

Issued for a period of three years. After this, they are automatically reissued for another three years and so on until the client refuses it independently. The account may only be in rubles, but this does not mean that you cannot pay with it in another currency. It is valid only in Russia. You can receive cash at any ATM in the country that services this system.

The cost of servicing a MIR card from Sberbank is similar to classic examples of international payment systems. As befits a classic card, it is protected by a chip and a magnetic stripe. Additional cards are not issued or installed. It can be used as a salary or pension credit card. She also participates in the “Thank you from Sberbank” bonus program.

Who can apply

Any Russian citizen over 14 years of age can apply for a classic card if they have a general passport.

“Social” can only be issued if you have a document confirming your right to pension payments.

Citizens of other countries are issued a credit card from the MIR system upon individual application.

Rates

How to apply

1. Contact the bank office with your passport (certificate of pension accrual - for Social).
2. The employee will print the application. The client is obliged to check the correctness of filling in the data and sign the application.
3. The card will be ready within 1-3 days, about which an SMS message will be sent to the address specified in the application.
4. She will physically arrive at the bank office in 3-7 business days (the period depends on various conditions, it is better to check with an employee when registering).
5. It is issued upon presentation of a passport. Upon issuance, the employee will ask you to enter a PIN code. It must be remembered and not shared with anyone. The holder performs all transactions with this PIN code.

If technically possible, Sberbank can accept an application for registration remotely – online. In this case, the obtaining procedure is similar, starting from step 3.

Despite the different conditions of cards issued by Sberbank of Russia, it is not difficult to issue each of the presented assortment. With the document in hand, go to the nearest branch, where an employee will explain how to get a Sberbank card for free. Don't forget that you will pay for annual maintenance based on your purchase goals and capabilities.

Opening a bank account

Sberbank issues cards to adult citizens. But there are exceptions, the “Youth” card, which can be obtained upon reaching 14 years of age. At Sberbank you will be asked to write a standard application form for opening. This is a form in which you provide personal information and mobile phone number.

Come up with a code word in advance, which will be confidential information, like a PIN code. It must be a word that is associated with something important to you in order to remember it. You will be given a date when you can receive a Sberbank card after a few days. They will hand it out only if you present your passport to a bank employee.

Important! When you come to Sberbank to receive plastic, check the account number, which must subsequently be reported to the person transferring funds to you. The numbers printed on top are not the current account number. Don’t forget to sign on the “wrong” side of the card.

Activation methods

Activating the card is free, you just need to use an ATM, enter your PIN code and find out the balance on it. If you are at home, call the hot number to activate. Your passport should be at hand. The operator will ask for your details. If you are afraid of making a mistake, ask the branch employee upon receipt to activate it immediately. Before you start decorating, decide why you need it.

Kinds

The table shows the types of plastic that the bank offers.

Visa Electron	for salary; for online shopping; for working with Internet banking; to receive cash, etc.
MasterCard	for salary; payment for goods and services outside the Russian Federation; to receive cash in the Russian Federation and abroad, etc.
Visa Gold (high class and service fee)	the remaining functions are similar to the simpler cards mentioned above.
Maestro (social, pension, student)	all basic features plus paid services.
Gold MasterCard (privileged, high annual fee)	beneficial when purchasing and paying for expensive goods, due to receiving a discount; the remaining functions are similar to the simpler ones mentioned above.
Visa Aeroflot Classic	recommended for people who frequently purchase air transport tickets; allows you to accumulate bonuses to purchase a free ticket.
Visa Classic / Gold “Give Life”	the card is focused on helping children with cancer; Every time you pay with a card, 0.3% of the amount goes to the Gift of Life fund. 50% of the cost of the card is transferred to the fund.
Platinum Visa and MasterCard	full range of services provided by the bank. receiving cash in Russia and abroad under the same conditions. discount and privilege programs around the world.

We issue a free card

It is possible to obtain a Sberbank card for free for payroll purposes; payment for it is carried out by the employer. The rest, except , provide for an annual service fee. Therefore, get information about how much it costs in advance. Reissue will not incur additional costs. On promotional terms, you may be offered registration with free annual maintenance.

Conclusion

Sberbank cards are a mobile wallet with many features. If you follow safety rules and are sufficiently careful when working with it, there will be no problems, only comfort and convenience.

The variety of bank cards can confuse anyone: Visas, credit cards, salary cards... How to make a Sberbank card that meets exactly your needs? First of all, you need to understand their differences and purposes of use. Today we will look at payment cards of Sberbank of Russia: which one you should choose, you will decide for yourself based on information about their purpose and cost.

The most important difference between cards is the type of funds used:

• Debit cards are used to receive and store their own money;
• To use borrowed funds, credit cards are opened.

What is a Sberbank of Russia debit card?

The first thing a debit card means is that it is a tool for using your own savings. The card gives access to funds stored in the client's account. It would be easier to say that a Sberbank debit card means an electronic key to your money.

The payment system through which payments are made determines the type of card: Visa, MasterCard or.

Each card has its own class:

• The simplest entry-level cards may not even display the owner's name. For Visa it is Electron, for MasterCard it is Maestro. This is the cheapest Sberbank card in terms of service. The only negative is the inability to use outside of Russia.
• Middle class cards are called “classic” or “standard”. For Visa it is Classic, for MasterCard it is Standard. They are most often used for, they can travel with you abroad and will be serviced at any ATM.
• Premium class cards Gold, Premium and are distinguished by a high level of service and a set of additional functions. They are the most expensive to maintain.

Which debit card is better to apply for at Sberbank?

The range of debit cards at Sberbank is designed for all categories and ages of clients:

• A bank card for a child at Sberbank can be issued as early as 7 years of age;
• A bank card is suitable for teenagers - from 14 years of age;
• Pensioners are attracted by the free Sberbank card - “Social”;
• For payroll services, choose the classic Visa and MasterCard;
• Businessmen prefer privileged services with Gold, Premium, Platinum class cards;
• Patriots of Russia can use the PRO100 national payment system card;
• “Give Life” cards are issued for good deeds;
• For those who fly frequently or want to save up for travel, branded Aeroflot cards are suitable.

All types of Sberbank debit cards are issued for ruble accounts. Some (not lower than the classics) can be issued in currency: dollars or euros. A Sberbank currency card will be useful for those traveling abroad or those who periodically cooperate with foreign partners - for payments.

Sberbank debit cards

At Sberbank, the production time for a debit card is about 10 days, with the exception of instant issuance cards, which you can receive at any time by contacting a bank branch with a passport.

How to use a Sberbank debit card?

You can store savings on debit cards, make purchases, make payments using Internet banking or.

The main rule is to remember safety. Do not tell anyone information about your card, do not respond to offers “I will buy Sberbank debit cards.” Read our articles about bank card scams to always be on your guard.

How to get a loan on a Sberbank card?

Through the Internet, many companies offer to issue a loan on a card - this service is not provided by Sberbank! At Sberbank, a credit limit can only be set on a credit card, which is a separate independent product. Read more about and what you need to apply for a Sberbank credit card in.

Sooner or later, almost every one of us has to face the question of what documents are needed to make a Sberbank card. In the modern world it is very difficult to imagine anyone without a bank card. They are easy to use and allow you to make payments and purchases, regardless of your location. In this regard, within the framework of this article we will consider in a little more detail how to draw up a card, what is required for this and what points to pay special attention to.

Applying for a credit card

The greatest demand these days is for credit cards, which make it possible to make non-cash payments, make purchases via the Internet, etc. Their main difference from debit ones is that the funds present in the account are provided under special conditions put forward by the bank. At the expense of interest, the credit institution makes a profit; therefore, to purchase such a card, you will need to present a number of documents confirming your solvency.

What documents are needed to make a Sberbank card:

1. Civil passport of a person confirming the identity, actual age and place of registration of the potential borrower.
2. Another document for identification - this can be a military ID, driver’s license, or international passport.
3. A certificate confirming the fact of employment, or a copy of the work book or contract certified by a notary (provided whenever possible).

In order to increase the chances of receiving a positive decision from the bank, it is additionally worth preparing:

• a certificate of income received, preferably 2-NDFL. If there is no such thing, then a certificate issued in free form, but with the signature and official seal of the employer, can be used;
• documents evidencing the ownership of valuable property - real estate or a car;
• confirmation that you have a stable additional income - pension benefit, scholarship, investment income, etc.

What documents are needed to obtain a Sberbank card if you have a personal offer? In this case, it is enough to provide only two documents confirming the identity of the person applying. Only existing bank clients can take advantage of this privilege.

Registration of a Sberbank debit card

Now let’s find out what documents are needed to get a Sberbank card without a credit line. There are much fewer requirements here.

If you need a debit card, then just contact the nearest bank branch with a passport of a citizen of the Russian Federation. The only and main condition for receiving it is only the age of 14 years. It only takes a few days to release. You also have the opportunity to choose an individual card design, but to do this you will need to place an order online through the official Sberbank portal. Upon delivery, you will only need to sign the contract and pay the cost of issue and subsequent banking services.

Important nuances and pitfalls

When applying for a credit card, it is worth remembering the grace period for using funds. This advantageous option allows you to use credit money and not pay interest if you top up your card account on time.

All actions on the loan are recorded in the bank’s credit history, therefore, if the payment is late in the future, it will be much more difficult for you to get a loan on favorable terms. There are many offers on the Internet to quickly correct your credit history. You should not fall for the tricks of scammers, as this will only lead to empty financial expenses. It is better to immediately contact the bank and get qualified advice and assistance from specialists.

Of course, the bank initially issues a small loan, but if it is repaid in full on time, the credit history will be corrected, which will make it possible to receive a larger amount in the future.

When it comes to debit cards, it is important to monitor your balance and avoid overdrafting. Otherwise, your account may end up in debt. If the situation is not corrected in time, the bank will charge interest. However, Sberbank has disabled this function since the end of 2016 and is available only to cardholders who signed up for the product before that time.

There is also a so-called technical overdraft. It occurs in several cases:

1. Payment by card abroad. It may take several days from the fact of payment to confirmation of the transaction by the bank. During this time, the exchange rate increases and the amount in rubles turns out to be greater than the balance on the card.
2. Topping up a card from another bank. If you withdraw cash immediately after this operation, then at this moment information from the sending bank may not yet have been received, so the account will have a negative balance.
3. Erroneous re-charge after purchase in a store. If you notice the extra transaction in time and notify the bank, the money may be returned after some time. During this period the balance will be negative.
4. Write-off of annual maintenance or the cost of connected paid services. Just top up your balance with the required amount.

The technical overdraft is repaid automatically and does not accrue interest or penalties.

Above we looked at what documents are needed to open a Sberbank card. All that remains is to figure out the possible ways to submit an application.

There are two ways to submit an application:

• online;
• by directly contacting the nearest bank branch.

The first method is the easiest and fastest, since the entire procedure can be done without leaving your home. Having visited the official portal, you should indicate the region, familiarize yourself with the requirements for issuance and tariffs, and then choose the most suitable banking product for yourself. After filling out all the fields of the form, you should also indicate the department from which you can pick up the card.

If you decide to contact the bank in person, you will need to take with you a full package of documents and a certain amount of money. This is required for activation. After completing the contract, you will be given a PIN code in a closed envelope. All that remains is to connect the card to online banking and the SMS notification system.

The period for issuing a bank card varies depending on its type - instantly or within a period of up to 10 days.

When applying for a credit card, it is important to pay attention to the grace period provided. Depending on the loan terms, it can range from 55 to 100 calendar days. During this period, you have the opportunity to repay the borrowed funds without overpayments. What documents are needed for a Sberbank credit card, depends on a number of factors and conditions of the lending program itself.

In what cases is it possible to refuse to issue a bank card?

Under certain circumstances, the bank may refuse to issue a plastic card to a client. To avoid this, you should first familiarize yourself with the basic requirements of the institution. By contacting our hotline consultants, you can get all the information you need on a specific banking product.

Possible reasons for refusal to issue a card:

1. Indicating inaccurate data or making a mistake when filling out the form.
2. Direct violation of the conditions that were presented to the cardholder at the time of signing the service agreement.
3. The applicant has a large number of credit cards.
4. Adding a user to the black list of Sberbank clients.

Conclusion

We found out what documents are needed to obtain a Sberbank card and were convinced of the simplicity of the procedure for issuing it. The bank offers a wide range of tariffs, conditions and bonus programs for plastic card holders. Therefore, you should not deny yourself the purchase of a profitable and convenient product from a large financial institution.