Sberbank, as the leader of the domestic banking sector, offers everyone a wide range of debit cards. But traditionally, not the first year, the most popular is the Momentum debit card from Sberbank. The conditions and possibilities of this card are described in this article. The most significant of the benefits is free and fast processing.
Content
Cons of the Momentum card
The Momentum bank debit card is intended for payment in stores, but it is not suitable for performing transactions on the Internet. Also, when traveling abroad, it will turn out to be useless, since there are no branches of Sberbank there, and even subsidiaries of the bank will not accept the card due to the missing name and surname on the card.
The following nuances can also create inconvenience:
- Additional cards are not provided, so they cannot be issued for a spouse or children.
- If you lose your card or PIN code, you will have to get a new card, since it will not be possible to restore the old one.
- It will not be possible to use it as a salary card.
Validity limit - 3 years.
Paying for purchases in online stores with a Momentum card
Problems will also arise when trying to pay for a purchase or service via the Internet due to the fact that the card itself does not contain the cvc2 / cvv2 code and the initials of the holder. In some cases, it will be possible to pay, but not in eBay-level organizations and large domestic online stores.
Features of Visa and MasterCard Momentum cards
The Momentum debit card in question from Sberbank has the conditions and capabilities are almost the same as those of Sberbank cards of a higher level. Therefore, each owner will be able to:
- Transfer/receive funds without any restrictions. Except as such a limit of 10 million to receive money per day.
- Replenish the account by depositing money through ATMs , terminals of Sberbank, other institutions, from any accounts (own, others in various banks).
- Pay for goods and services without any restrictions at any outlets equipped with terminals.
- Pay bills, services (for example, housing and communal services ). This can be done without restrictions online.
- Use free and paid services of Sberbank designed to control and manage money in the account. These include Sberbank Online, its mobile version and the Mobile Bank program.
Also, owning a Momentum card, you can participate in all promotions of the Visa system and Sberbank itself. The most popular program is Thank you, which allows you to receive bonuses so that you can then pay for your purchases in various stores and networks. And in the most popular - in the Pyaterochka, Svyaznoy networks.
How to get a card
According to the conditions of Sberbank, it is very easy to get such a card. This can be done by any Russian who has reached the age of 14 and has a passport. To receive it, you should contact any branch of the bank. Non-personalized cards are ready for issuance. It is enough to voice your request to the employee and after a few minutes the card will be issued.
It is impossible to order Momentum online, in addition, it is easier to get a card at a bank branch. Upon receipt, it is worth remembering that these cards have CVV2 security codes that are designed to identify the card when paying via the Internet, but they are not printed on the card. Therefore, you should ask the employee to attach the specified code.
Cash out limits
There are several types of restrictions for the Momentum card in Sberbank, one of the most important is limit , it should not exceed 100 thousand rubles. When cashing out a larger amount, you will have to pay 0.5-0.75% commission on the withdrawn amount.
It is impossible to credit a transfer of more than 10 million rubles to the account.
Daily limits on the map
According to the rules, you can cash out up to 50 thousand rubles daily. With non-cash payments, there is no such restriction.