In addition to making calls, sending SMS and using the Internet, phones are increasingly being used to manage various services. The mobile bank from Sberbank is in great demand and provides various conditions and service costs. The existing tariffs are divided into the "Full" package and the "Economic" package - the "Mobile Bank" service of Sberbank is available for each user. Below we will describe the conditions for their provision and the differences.
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Mobile Bank service packages - "Economical" and "Full"
The difference in the tariff packages of Sberbank Mobile Bank is due to the range of services offered to the user and their cost. "Full" includes all the basic services provided by the developers. The Economy package is provided free of charge and has a number of limitations. Some functions, for example, checking the balance, requesting a statement are carried out for a fee. Each request will cost 3-15 rubles.
You can change your package to another one at any time. If the paid services of the "Economic" package in total exceed the cost of the "Full" package, then it is better to give preference to the latter. It will cost 60 rubles for ordinary cardholders and 30 rubles for cards like Maestro or Visa Electron. The owners of "gold" and "platinum" cards receive the "Full" package for free.
What opportunities does the “Economical” package give to its user? They are quite extensive:
- making transfers to organizations and companies in partnership with Sberbank;
- obtaining service information of various kinds, for example, balance;
- blocking a plastic card in case of loss or theft;
- other services.
The features of the package are quite enough for the full use of the card account. With the help of the Mobile Bank, you can replenish the card, work with a loan, pay for services, monitor the balance.
Control over the movement of funds is provided free of charge. This helps to prevent theft or fraud by third parties in time. The best way out of this situation would be to immediately block the card from your mobile phone.
Activation of the "Economical" package
The Mobile Bank service of Sberbank allows you to switch from one tariff to another when necessary.
The Economy package can be ordered in various ways:
- in any branch of Sberbank. To do this, you need to approach a free employee of the department and state your request. To verify your identity, you need to take your passport and card with you;
- through a self-service device . There are ATMs and terminals in most settlements of the country. To activate the package, you need to go to the menu, find the "Mobile Bank" item and follow the instructions on the screen to activate the service;
- using online banking .
The above methods are suitable not only for connecting the service, but also for changing the package from "Full" to "Economical" and vice versa, if the option chosen initially does not suit you. To determine the desired tariff, it is enough to calculate the monthly costs of its maintenance.
Advantages and disadvantages of the Economy package
With the help of a mobile phone, you can easily control your money and perform various operations remotely, even without access to the Internet.
The mobile banking system has practically no drawbacks. Some inconvenience occurs when there are system failures or poor communication quality. Cases of fraud also occur, but they are rare. Such troubles usually occur with Sberbank customers when they lose a plastic card or phone. It is worth considering that a quick blocking of the card will save money in the account. You should also not neglect the protection of data for entering your Personal Account. Elementary precautions will help to protect the account from unauthorized persons.
Which tariff to choose
The standard set of services is provided by the Economy Package. The Mobile Banking service of Sberbank can be easily modified to suit individual needs.