Bank cards "Momentum" Sberbank are unnamed. Such cards are issued instantly, after the conclusion of an agreement with the client for servicing a bank card.
There are two types of Momentum cards from Sberbank. Each type has its own capabilities and conditions of service, they are united only by the fact that such cards are issued instantly, when the client contacts the bank, and the name and surname of the cardholder are not embossed on the face of the card.
Instant issue cards "Momentum" Visa Electron and Maestro from Sberbank
Sberbank uses Visa Electron and Maestro "Momentum" cards very widely, these are entry-level cards that allow making non-cash payments in Russia for free and withdrawing money from Sberbank ATMs.
Momentum cards Visa Electron and Maestro have, in a sense, replaced savings books on demand deposits. The client is issued a card immediately after opening an account, including social cards for transferring child benefits and pensions.
When you connect SMS informing for a small fee of 20-30 rubles per month, you can be aware of all receipts and debits from the card account and control your finances. With a Visa Electron, Maestro "Momentum" Sberbank card, you can pay in stores with installed Sberbank terminals, pay for utilities at an ATM, in your personal online account or using a mobile bank.
It is impossible to pay for services on the Internet with such a card, since on the back of such a card there are no three digits used in settlements with cards on the Internet. But if you connect to your personal online account of Sberbank, you can pay within the online account for the services provided by Sberbank.
Cardholders can transfer funds to the accounts of friends and acquaintances. If accounts or cards of recipients are opened with Sberbank, the transfer fee is not charged. Sberbank provides an opportunity to replenish an electronic wallet account in Yandex. Money for free, which in turn allows you to pay for almost any purchases on the Internet.
Visa and MasterCard Momentum
Visa and MasterCard Momentum cards with a credit limit of up to 150 thousand rubles are issued only to those customers who have received a personal offer from Sberbank. If you use this card using bank funds, then it is advisable to make all payments only by bank transfer.
When withdrawing credit money at an ATM or at the cash desk of Sberbank, the grace period for the card is canceled, it is up to 50 days. In this case, a commission is charged for issuing cash in the amount of 3% of the amount and not less than 199 rubles. The commission for withdrawing cash from ATMs of third-party banks is 4% of the amount and at least 199 rubles.
The card is accepted for servicing at any ATMs and terminals installed in the trade network, where there is a Visa and MasterCard badge.
You can pay with the card on the Internet. The card has all the additional features provided by Sberbank and electronic payment systems Visa and MasterCard.
With this card, it is prohibited to transfer credit funds from an account to another account of the holder and to the accounts of any other users of Sberbank cards; this is prohibited so that it is impossible to withdraw money from an ATM account, thus maintaining a grace period.
After the end of the grace period, if the money has not been deposited into the card account, interest is charged on the balance of the card debt in the amount of 18.9% per annum. If it is not possible to repay the loan in full, you can limit yourself to repaying the minimum payment amount on a monthly basis.
The bank reports the amount of the payment by SMS 20 days before the maturity date. You can view the amount of the minimum payment in your online account. After repayment of the amount of payment, the monthly interest is debited from the account, and the rest of the amount contributed to repayment of the loan can be used at the request of the client.
If there is no credit debt on the account, then the card acts like a regular Visa or MasterCard. You can take the card with you abroad, but pay attention to whether the card has an electronic chip, if it is not available, it may be denied to service the card outside of Russia. After the card expires, Sberbank issues a registered Visa or MasterCard credit card for the replacement card holder.
