This article will consider one of the most popular bank means of payment: Momentum R cards in Sberbank - what it is, reviews, nuances of receiving. They not only have all the features of any international format card, but also have their own characteristics.
Content
Momentum Visa and MasterCard cards - instant issuance of non-named cards
You can get this card at the time of your visit to the bank, you will not need to wait for its production.
Registration procedure:
- apply for a card issue;
- preparation by a bank employee of an UDBO agreement;
- indication in the documents of the client's passport data;
- familiarization and signing of the contract;
- receiving a card.
In order to receive a Momentum card at Sberbank , a mandatory conclusion of a bank service agreement will be required. As a result of this, you will get access to a large number of opportunities: control over your own account, financial transactions, connection of services, etc. Since the instant card is not named, its receipt is as fast as possible. The front side of the card contains the necessary information that is needed to make cashless transfers and payments: number and expiration date. In addition, the Visa and Sberbank logos are also provided here, as well as a security chip.
One of the indisputable advantages of this card is free banking services. Paid services, commissions and daily limits are set only in certain cases.
Limits and restrictions on Momentum cards
The disadvantages of Visa Momentum Sberbank include some restrictions if it is used outside the country. For example, it does not provide for the receipt of finance in subsidiaries of Sberbank, which are located in other countries.
More about limits:
- when making payments using a card - a limit of 10 thousand rubles. per day;
- cash withdrawal of your choice - a limit of 100 thousand rubles. per month or 50 thousand per day;
- for receiving money to the account - a limit of 10 million rubles. per day;
- for withdrawing an amount exceeding the limit determined by the bank - a commission of 0.5%;
- for cash withdrawals at cash desks or ATM devices of branches of Sberbank and other banks - a commission of 0.75%.
Sometimes you may encounter some difficulties when making online payments. In some outlets, it is not possible to pay with non-personalized cards. Such restrictions can be explained by the low degree of protection and the lack of complete information about the cardholder. The card itself does not provide for the indication of a special CVV2 code, with the help of which payment transactions are carried out. But it is still assigned to the card, you can find it at the bank branch by the card number.
Additional cons of the card:
- reissue after the expiration date (3 years) is not possible, as the account will be closed;
- card issuance is possible only in one copy;
- it is impossible to find out the balance in other banks;
- if the PIN-code is lost, it is impossible to replace or get a new one.
Is it possible to withdraw money from the Momentum R card abroad, user reviews
Despite the fact that Visa and MasterCard Momentum cards comply with international standards, it is clear from the reviews that withdrawing funds from the card and paying abroad will be problematic. The refusal to accept the card is due to the absence of the surname and name on the card. It may not be accepted not only by shops, but also by ATMs.
When traveling abroad, you should take with you a card of a higher class that meets international standards and has the name and surname of the owner on it.
Real user reviews about the Momentum card from Sberbank are on the otzovik .
Features of the Momentum debit card from Sberbank
Having examined in detail the Momentum R cards in Sberbank - what it is, reviews, let's move on to other features.
List of possibilities:
- transfer of funds for services and goods according to the details of organizations;
- non-cash payments for various goods in shopping centers of the Russian Federation;
- making transactions using remote services;
- money transfers to organizations and individuals;
- the ability to link a card account to an electronic wallet;
- participation in promotions and use of preferential offers from Visa;
- periodic transfers in automatic mode - for housing and communal services, replenishment of the balance of a mobile phone, credit;
- accumulation and use of points when making payments in Sberbank partner stores.
When the Mobile Bank is connected, actions become available: SMS commands for obtaining information about the balance, making financial transactions, connecting services and deactivating the card. With the help of Sberbank Online, there are even more opportunities for managing personal accounts via the Internet.
Credit cards Visa and MasterCard Momentum
In addition, you can order an instant credit card from Sberbank - Visa Credit Momentum. It is issued immediately, at the time of the first visit to the bank branch. The monetary limit, which is set for it, is 600 thousand rubles, and the grace period is 50 days, during which it is possible to pay the debt without accruing interest. If the money received is not returned, the bank will have to pay 23.9% per annum. The card provides a report on transactions performed once a month.
Information available in the report:
- the amount paid on the loan;
- the full amount of cash costs;
- interval of the interest-free period;
- the amount of the remaining debt.
In some cases, Sberbank issues a Momentum R Visa card with special lending conditions. Such profitable opportunities are provided to those clients who are active in financial transactions. Obtaining information about such offers is possible in ATM devices when performing various operations. In addition, such information can also be obtained by phone, by mail or by visiting a bank branch in person. Momentum R cards at Sberbank provide various options for replenishing and repaying debts.
Possible ways to receive money and pay off debt:
- in terminal devices as a result of depositing cash into the account;
- at the cash desks of bank offices;
- in Mobile Bank: transfers from a Sberbank client by phone number;
- to Sberbank Online: transfers from your account or from other cardholders.
Where to get a Momentum R debit card
A debit card can be issued by contacting the nearest bank branch .