The Sberbank Momentum card (VISA and Maestro) has been issued for more than one year and is an entry-level card. It has a number of limitations, but this does not prevent it from being one of the most recognizable and sought after in the entire line of bank cards. After all, this bank card is free and issued instantly.
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Momentum card in Sberbank - what is it and how to work with it
The VISA and Maestro Momentum card at Sberbank is a bank card with an optimal set of features. The main distinguishing feature is that it can be obtained free of charge and as soon as possible: on the same day in 15-20 minutes. According to the standard features when paying in stores, it is no different from the classic VISA and Maestro. But when making online purchases with a Maestro Momentum card on the Internet, difficulties may arise with the CVC2 / CVV2 code. Payment by it can be made in those online stores where there is no verification of this code.
Reviews about Momentum cards from Sberbank
VISA and Maestro Momentum cards have many positive reviews, because now it is rare to find a free card with such extensive functionality.
Also pleasantly surprised by the speed of issuance. Often on the Internet you can find a review indicating that a person had to stand in line longer than to issue the card itself. This procedure takes only a few minutes, and there is no need to fill out questionnaires or submit applications. It is enough to show your passport and immediately get Maestro Momentum for use.
Cons of the Momentum card
Sometimes you can find negative feedback from holders, they mainly concern the same limited functionality. But no one hides the capabilities of this entry-level card, so these reviews are not a minus.
According to the rules, an additional Sberbank Momentum card cannot be issued. If lost, you will be asked to issue another Maestro Momentum. If the PIN code is forgotten, it is impossible to restore the card.
Often, users are poorly versed in the capabilities of the card, for example, to pay for services and goods online, a CVC2 security code is always required, which is not in the usual place and the person refuses this offer. But this code is tied to the card, just call the branch that issued the card and ask for the required code. After that, you can pay for the purchase through many payment systems. However, even knowing CVC2, it is impossible to make purchases on eBay. PayPal does not work with this entry level card.
Momentum card features
The card features are similar to classic debit cards. With Maestro Momentum, you can:
- Pay for goods, services in stores and other retail outlets.
- Pay for goods, services when they are purchased via the Internet.
- Transfer/receive money.
- Pay bills (utility, Internet and others).
- Top up the balance of the card, and in numerous ways.
- Receive all promotional offers from MasterCard and Sberbank. First of all, it concerns the bonus program Thank you . The cardholder has the right to receive bonus points when making any purchase from Sberbank partners, and when reaching 100 points, spend them. You can pay up to 99% of the cost of any product, service from the bank's partners.
- Manage an account, control it - such procedures can be performed using all available services of Sberbank. So, it is most convenient to use Sberbank Online from a computer. If you have a smartphone or tablet, the cardholder has the right to transfer funds, top up phone bills, and perform other operations using the mobile version of Sberbank Online. But most users prefer the Mobile Banking system. With the help of simple commands to special short numbers, you can easily and quickly perform any permitted operation.
- Use support services.
How to get a Momentum card
You can apply for a Sberbank Momentum card at any nearest branch of Sberbank . You must have an identity document (passport) with you.
How to top up the card
Maestro Momentum holders have the right to replenish their card account with cash at any branch of Sberbank, terminals, by transfer from another card, account. If necessary, money can come from an account, card of another bank. It is also important that such a card can be obtained by a teenager who is 14 years old. All you need is a passport with a stamp indicating registration. In its absence, bank employees make a decision individually.
The most tangible shortcomings are that it is impossible to get an additional card, to make Maestro Momentum a salary card. It is also unsuitable for use abroad.
Limits and commissions
As expected, the entry-level card Maestro Momentum has severe limitations. So, monthly the cardholder can withdraw up to 100 thousand rubles in total, and in one day you can withdraw up to 50 thousand rubles. For comparison, cards of the next level allow you to cash out ten times more. But according to statistics, its capabilities are always enough, especially since this payment card cannot be a salary card. If you still need a large amount, then the owner will be able to cash out the money for a moderate commission (0.5-0.75%). Another significant limitation is the service life, Maestro Momentum is issued for 3 years, after which it will need to be replaced.
Paying for online purchases with a card
When registering Maestro Momentum at a branch of Sberbank, you should ask the operator to indicate the CVC2 code. But, even knowing it, it is not always possible to pay for a purchase or service online.
For greater reliability, you can connect Mobile Banking. The 3D Secure protection system will become available for online purchases, it allows you to reduce the likelihood of fraud to a minimum level.