Sberbank of Russia OJSC is the largest bank providing a wide range of services. The main founder is the Central Bank of the Russian Federation, which owns 50% of the shares. Another 40% is owned by large foreign companies. The rest of the shares are in the hands of individuals.
New means of payment
A couple of decades ago, no one could even think about plastic means of payment. Today, thanks to such cards, a place has been freed up in the wallets of our fellow citizens. Now there is no need to carry a lot of bills. One plastic card is enough to recharge the phone, pay for goods in the store or utilities in the bank. Moreover, many financial institutions offer their customers discounts and bonuses.
Sberbank plastic cards are the most popular in Russia. This is influenced by several factors. First, Sberbank is the very first financial institution that was founded back in the USSR. Secondly, it serves a large number of pensioners and enterprises. You can get a plastic card for free at any branch of Sberbank. But in order to choose the most suitable option for yourself, you need to know how it differs from all the others.
Social programs
Let's start with the most common - salary. These are debit cards on which employees are charged salaries. They come in two types: Maestro (issued by the MasterCard payment system) and Visa Electron. They can be used to pay for goods and services in stores, cafes and the Internet.
Maestro Map It is divided into 2 types: “Social”, which is issued to pensioners to receive various benefits from the state, and “Student”, on which a scholarship is awarded. No additional features are provided for these plastic media. You can use Maestro and Visa Electron only within Russia. The daily withdrawal limit is limited to 100 thousand rubles.
The Sberbank debit card category also includes Visa “Give Life”. She participates in a charity program and is issued with an individual design.
Sberbank also issues Visa Classic and MasterCard Standard. In their functions, they are no different from the previous ones, except that they have more service points around the world. With them you can safely make purchases abroad. These two groups are also called “instant” cards. They are issued directly when a client contacts the department and is serviced free of charge. The procedure takes 15 minutes.
Credit cards
Visa and MasterCard Gold cards emphasize the status of the owner with their prestigious appearance. These credit means of payment are issued for customers who can monthly pay up to 3 thousand rubles for their service. For their frequent use, customers receive various discounts and bonuses.
Sberbank issues a separate category of cards for travelers: Visa Aeroflot Classic (Gold). It is issued together with the airline of the same name. In their functions, they practically do not differ from those described above, except that for each of its use the client receives miles as a gift for the bonus account.
Golden Mask (Visa Classic) - a card for theater and cinema lovers. Its owner receives discounts when buying tickets, participates in various raffles and promotions. And after spending 60,000 rubles on tickets, the bank acquires a new VIP client.
Clearance procedure
You must come to one of the branches of Sberbank with a passport, income statement, TIN or rights and write a statement.You can go through the same procedure online. On the official website of Sberbank of Russia, go to the "Choose a Card" section, find the appropriate option, indicate the type (debit or credit), fill out an application and wait for a call from the bank.
Production time is 2-3 weeks. After the card is ready, a letter will be sent to the customer by e-mail with the department number in which you can pick up the order. To activate the plastic carrier, you need to insert it into the ATM of Sberbank and enter the pin code. Access to funds will be open 24 hours after this procedure.
How to transfer money to a Sberbank card
According to the results of 2013, the credit institution took first place in the number of “active” payment instruments. This category includes plastic media for which at least one operation was performed in 5 years. In the hands of the Russians are more than 60 million of these cards. Their owners repeatedly have a need to transfer money. You can do this in many ways.
How to transfer money to a Sberbank card through an ATM with the function of receiving cash? Insert card - Enter pin - Top up account - Insert bills - Done. Wait for the receipt to print and remove the plastic media.
How to transfer money to a Sberbank card at a branch? Provide your passport, plastic carrier number, and cash at the checkout. The employee will complete the transaction and issue you a check.
How to transfer money to a Sberbank card through the Qiwi terminal? A direct transaction will not work. You will need to additionally indicate the recipient's phone number or Internet wallet. The commission for this transaction is higher compared to other types of replenishment.
How to transfer money to a Sberbank card through a terminal without a card? In the details you need to specify only the number of the plastic carrier of the recipient and enter the amount.
How to transfer money to a Sberbank card through another bank? First you need to find out the details of the recipient by phone hotline: account number, MFI, OKPO, full name of the recipient. Provide this information to the operator, indicate the amount and wait until the transaction ends.
Cashless Transactions
How to transfer money to a Sberbank card from your phone? Send an SMS with the text "TRANSFER [recipient's phone number in the format 9xxxxxxxxxxx] [amount]" to 900. The funds will be credited within a minute.
How to transfer money to a Sberbank card through online banking? Log in to your Personal Account - Select a card - Transactions - Enter the amount and account of the recipient - Confirm the transaction.
How to transfer money to the card of Sberbank Maestro? You can do this through the "MasterCard MoneySend" service from your iPhone or PC. Go to the Mastercard website - Register a plastic carrier - Indicate details - Enter the amount - Wait until the transaction ends. For each step, clearly follow the instructions on the site.
Summary
Sberbank of Russia is the leader in the number of actively used plastic cards. Such a payment tool has a lot of advantages: you do not need to stand in long lines for getting a salary, pension or scholarship. Money is automatically credited to the client’s account and can be used immediately. And if there is a need to send funds, you can do this at any convenient time in several ways: through a terminal, ATM, Internet banking and even from a mobile phone.
