How to disable overdraft on a Sberbank card

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Overdraft is an additional debit card option. However, cardholders of Sberbank of Russia often try to find a way to turn it off.

We propose to consider in more detail why this option is needed and how to disable the overdraft in Sberbank.

What is an overdraft and how is it activated?

First, you need to understand what an overdraft is. In fact, this is a short-term loan that does not require a credit card .

Before enabling this feature, Sberbank checks the solvency of the applicant. If you have a bank account, a deposit, or the ability to confirm your salary, you can count on a positive result.

You can issue an overdraft by agreement, specifying the amount of the minimum and maximum limits, the conditions for repaying the loan, as well as a number of additional parameters.

Advantages and disadvantages of an overdraft

Everyone can appreciate the pros and cons of this service:

  1. Get a certain amount of cashless payment.
  2. Withdraw cash in excess of the available debit card.
  3. As a rule, a commission is charged from the first days of using the loan, but there are debit cards where there is a grace period.
  4. The interest rate is higher than that of a classic credit card.

As a result, it turns out that you can use additional funds, but the conditions are not very favorable. Therefore, the question often arises of how to disable an overdraft at Sberbank in order to accidentally prevent overspending under a high commission.

Ways to disable an overdraft on a debit or salary card

  1. By contacting personally the nearest branch of Sberbank and filling out an application to turn off the service.
  2. By calling the number of the Sberbank Contact Center.
  3. Through Sberbank Online or Mobile Banking . Entering the Internet banking panel, you need to set the minimum or zero value opposite the service.

Sberbank always keeps up with the times, responding to the needs of its customers. Now there are new conditions for using funds in excess of your debit card. Before you turn off the overdraft at Sberbank, you should visit the branch and find out if it is possible to open a card with more loyal conditions.

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