Youth debit card from Sberbank. Sberbank youth card: terms of use Sberbank youth card interest rate

Sberbank cares about its young clients, cares about their safety and comfort, therefore it offers youth cards for clients from 14 to 25 years old at special rates with a special range of interesting programs and profitable services. For younger people, there are special children's cards from Sberbank. Today we will look in detail at what the benefits are, what is special about these cards and how to get them.

So, Sberbank of Russia issues debit and credit youth cards for its young clients. When applying for a card, you can choose one of two payment systems offered: Visa or MasterCard.

Debit card 14+ and debit card 18+

Why do you need a debit card?

You can use it to receive a scholarship or a salary. To do this, just contact the accounting department of your educational or work organization and provide them with your bank card number;
The card account can be topped up in various ways (cash through an ATM, online transfer from other Sberbank cards or from cards of third-party banks, transfer by card number through an operator at a Sberbank branch, top up from the phone);
You can withdraw cash from the card without commission in a wide network of ATMs throughout Russia, as well as in subsidiary banks abroad;
The card can be used to pay for purchases and services both in various establishments and via the Internet;
Using the card you can top up your mobile phone balance, pay for the Internet or utilities;
You can control the status of the card balance via SMS notification, via Internet banking or mobile banking.

IMPORTANT: the difference between the 14+ and 18+ youth cards is that the 18+ card can be used in a salary project from the employer and is issued by the work organization to employees who have reached the age of 16 for wages to be calculated on it. The 14+ youth card can also be used to pay salaries, but the card holder must independently go to the accounting department and express their desire to have earned funds credited to it.

Terms, tariffs and service

holder's age is from 14 to 25 years;
card currency – rubles;
the card is valid for 3 years;
annual maintenance – 150 rubles, which is 5 times cheaper than servicing other Sberbank debit cards;
free reissue (both upon expiration and early at the request of the client);
free additional services (discussed below);
the ability to connect to Internet banking and mobile banking (for an additional fee);
service 24 hours 7 days a week in the Sberbank Online Internet bank.

Benefits and profitable programs

easy and instant replenishment of your phone balance without commissions. To do this, you need to send an SMS to number 900 with the content “50”, where 50 is the replenishment amount;
the ability to transfer funds by phone number, so it is not necessary to remember or know the card number. To do this, you need to send an SMS to the short number 900 in the form “Transfer 9ХХХХХХХХХ 500”, where 500 is the transfer amount in rubles.
discount programs and special offers from Visa and MasterCard;
24/7 customer support through the Sberbank contact center;
the ability to link punishment to electronic wallets;
Possibility of ordering a card with an individual design. The cost of the service is 500 rubles. You can choose a design on the Sberbank website in a special gallery, or upload your own image.
IMPORTANT: a card with an individual design can become exclusive and the only one in the world, so young creative people often take advantage of this opportunity.
The design you choose may be rejected by Sberbank employees if it does not meet the parameters of the bank’s solid reputation;
bonus program “Thank you” from Sberbank. This program is widely popular and gives you the opportunity to return up to 10% of your purchases in the form of bonuses, which you can then use on a new purchase. For example, if you pay for a purchase worth 500 rubles not in cash, but with a youth card, 50 bonus points will be credited to it. 1 point – 1 ruble. Subsequently, these points can be used to pay for new purchases.
IMPORTANT: the “Thank you” bonus program must be activated via the SMS service by sending a message to number 900 in the form “Thank you XXXX”, where XXXX is the last 4 digits of your card.

Disadvantages of a youth card

age limit for card holders is only up to 25 years;
The cost of servicing a mobile bank is 60 rubles, which is twice as expensive as the standard cost.

How to apply for a card?

A debit youth card can only be issued to citizens of the Russian Federation aged 14 to 25 years who have permanent registration in the Russian Federation. You can do this in two ways:

Go to the nearest Sberbank branch with your passport and sign the application. The card is issued and delivered within 3 – 14 days;
leave a request for card issue on the official website. To do this, you need to fill out a special form. The application will be reviewed by bank specialists within 2 days. After this, employees will contact you at the specified phone number and inform you of the further course of action. You will need to come to a Sberbank branch to pick up your card with your passport.

Youth credit card 21+

Sberbank offers its young clients who have reached the age of 21 to issue a youth credit card on special favorable terms, namely:

renewable credit limit on the card from 15 to 200 thousand rubles. As soon as the amount of the credit debt is repaid, the credit limit is restored;
grace period – 50 days. You can make a purchase using a credit card and not pay interest on the loan if the debt amount is fully repaid within 50 days;
interest rate on the loan – 33.0%;
cost of annual card maintenance – 750 rubles;
The card is valid for 3 years.

IMPORTANT: When withdrawing cash from a credit card, the grace period does not apply.

A youth credit card has the same advantages and special programs as debit cards: instant replenishment of a mobile account, replenishing a card in various ways, cash withdrawals, making purchases in stores and online, participation in the “Thank you” program from Sberbank, various discount systems, SMS notifications about all transactions performed on the card, 24-hour service through the contact center.

How to get a youth credit card?

The youth credit card is issued to citizens of the Russian Federation with permanent residence permits aged 21 to 25 years. It can be issued to both working and non-working students.

Step 1. You need to fill out an online application for a credit card on the official website of Sberbank, or write an application for a credit card at any bank branch, providing the following documents:

passport;
2-NDFL certificate confirming income for the last 6 months (the certificate can be obtained from the accounting department at your place of work);
certificate of scholarship (only for full-time students under the age of 24, issued by the dean’s office of the educational institution).

Step 2. The bank will review the application within two days and notify you of its decision by contacting the phone number specified as contact information.

Step 3. On the appointed day (the bank will notify you of this additionally by phone call or SMS), you need to come to the bank branch and pick up the card.

IMPORTANT: the commission for withdrawing cash from a credit card at ATMs of Sberbank and partners is 3%, at ATMs of third-party banks – 4%.

Please also note that for one request for recent credit card transactions both at a Sberbank ATM and at third-party ATMs, an amount of 15 rubles is charged. More information about service rates for youth credit cards can be found on the Sberbank website.

Youth cards enable modern boys and girls to save time, plan a budget, monitor all card transactions and, if necessary, quickly receive or send money. Special discount programs and the “Thank you” program allow you to save money, and a credit card gives you confidence in the future, because money is always at hand if necessary, and you do not need to pay interest for using the loan (during the grace period). Cards are issued easily and quickly, you just need to present your passport and a certificate of income or scholarship (to receive a credit card).

sbankin.com

Youth card from Sberbank

Sberbank of Russia is the first financial organization that has given the opportunity to manage financial accounts not only to adult citizens of our country, but also to teenagers. We are talking about a youth card, it is accessible to the younger generation and is not much different from classic plastic cards. Surely not everyone knows what a youth card from Sberbank is, so it makes sense to consider it in more detail.

Types of cards

Any teenager over the age of 14 can become the owner of this banking product. At the moment, Sberbank of Russia offers three options for young people: 14+, 18+ and 21+. That is, they can be issued at the age of 14, 18 or 21, respectively.

Only debit cards are available for minor clients, that is, the user can manage exclusively their own funds, without the possibility of overdraft. From the age of 21 you can get a credit card, not only for working young people, but also for students.

Debit youth card

The Sberbank youth debit card is an advantageous offer for young people; young people aged 14 to 25 years or from 18 to 27 years old can become its owner. Users of this product can manage personal funds credited to the card account at their own discretion: withdraw cash, pay for purchases in stores.

Maybe not everyone fully understands why a bank card is needed for young people, although in fact it is a very useful tool, and there are several reasons for this:

Firstly, the funds on it are reliably protected, because the plastic card is equipped with a chip, so third parties will not be able to use it.
Secondly, the money stored in the account cannot be lost, even if the plastic card is lost; it can be reissued at a bank branch.
Thirdly, you can remotely pay for a mobile phone, goods and services on the Internet, and much more, while withdrawing cash is not a problem, because in any city there are quite a few ATMs operating around the clock.

The teenager himself can fill out the application; for this he only needs a passport and an application form.

How to apply for a youth card? Everything is quite simple, you need to apply with your passport to any branch of Sberbank, the only requirement for the client is registration in the region of application and citizenship of the Russian Federation. To become the owner of this product, you just need to fill out a form, and you can do this on the bank’s official website. When the card is ready, the applicant will receive an SMS notification.

The owner of this product can use the remote management service for his account, that is, Mobile Bank and Sberbank.Online. In addition, students and working teenagers have the opportunity to receive wages, scholarships and other payments through Sberbank.

annual maintenance – 150 rubles;
international payment systems – Visa or MasterCard;
validity period – 3 years;
re-issue upon expiration of the validity period – free of charge;
reissue in case of loss – 150 rubles;
bonus program “Thank you from Sberbank”;
individual design – 500 rubles.

Please note that commissions for cash withdrawals through Sberbank of Russia cash desks and ATMs are not provided for youth debit cards 14+ and 18+.

You can use the payment tool to pay for purchases and withdraw cash in Russia and abroad. Youth card holders have access to bonuses and discounts from the international payment systems Visa and MasterCard, the “Thank you from Sberbank” bonus program, Mobile Bank, Sberbank.Online and the “Autopayment” service. Clients of this bank have access to 24-hour remote service via a hotline.

Card 21+ with credit limit

Young people over 21 years of age can use the credit limit. The credit card is available to working citizens as well as students; confirmation of monthly income is required to apply for it. How to apply:

contact the nearest Sberbank branch in the region of registration;
fill out a form for card issue;
provide certificates of income for the last six months, salary or scholarship.

You can submit an application for a plastic youth card online on the bank’s official website.

The lender will notify the client of its decision via SMS; it will take 2 business days to review the application. How long it takes to make a Sberbank youth card is difficult to answer definitively, the average time is 2 weeks. The company manager will notify you of its readiness by phone.

maintenance cost per year – 750 rubles;
credit limit from 15 to 200 thousand rubles, determined individually;
loan interest rate up to 33.9% per year;
grace period – 50 days (does not apply to cash withdrawals);
validity period – 3 years;
cash withdrawal from an ATM – from 390 rubles or 3% of the amount;
international payment systems – Visa or MasterCard.

How is the grace period calculated?

Individual design

Bank clients can receive a card with a unique design; this service is paid, its cost is 500 rubles. The Sberbank youth card can be issued in a classic design or at the owner’s choice with an original image on the front side. The bank's website has a database with images where the user can make a selection or upload a picture from his computer.

There are several requirements for images that are prohibited:

images of alcoholic beverages and tobacco products;
flags of other states;
pictures of pornographic content;
stills from films or cartoons;
celebrity images;
photos and pictures downloaded from the Internet and protected by copyright;
image of people in uniform;
bills and coins;
text and numbers.

Custom designed cards will take a little longer to produce than classic cards.

Custom card design

Advantages and disadvantages

The great advantage of the product is that it is accessible to unemployed young people, even schoolchildren. Loan funds are available from the age of 21, even to a non-working student. You can use a credit card for up to 30 years.

There are several other obvious advantages:

the account can be linked to an electronic wallet, which is convenient for students engaged in freelancing;
high degree of protection of personal and borrowed funds;
young people can use all Sberbank services;
SMS notifications are free of charge.

Of the negative aspects, this applies to credit cards - the absence of an interest-free period for cash withdrawal transactions, high interest rates on loans, and fees for cash withdrawals. In addition, not all unemployed students have access to a high credit limit, that is, it is almost impossible to get 200 thousand rubles even for working citizens.

Details can be found on the official website, namely, what a Sberbank youth card is, everything about it and its service, as well as the conditions for registration. Also on the bank’s website there is a huge collection of images for individual design, and detailed information about bonus programs and privileges.

znatokdeneg.ru

Sberbank Youth Card: overview, conditions for obtaining, main features

You can become a bank account owner from the age of 14. It is at this age that the Sberbank Youth Card is issued as the main one. It is a debit card and is designed for comfortable management of personal funds. From the age of 21, the bank allows you to issue a Molodezhnaya credit card. Both types of cards have conditions of use that are favorable for young people.

More information about the Molodezhnaya card

This card has three varieties, which depend on the age of the applicant:

14-25 years old;
18-25 years old;
21-30 years old.

In the first two cases, the cards are debit. The third type is credit.

Debit cards are not very different. They have similar terms of registration and use. It is convenient to store the owner’s personal funds in such accounts.

You can also perform various transactions using a debit plastic card:

Accept a salary or stipend for it. To do this, just provide your account number to the accounting department of your educational institution or enterprise.
Top up your card in all possible ways: using online transfers from other cards and accounts, through an ATM, through a bank branch.
Convenient mobile account replenishment without any commissions. For the procedure, you need a phone with an online Sberbank application. If this resource is not connected, you can use SMS banking. It's not difficult to set it up yourself.
Interest-free cash withdrawal from your account at any Sberbank ATM.
Payment for any services and online purchases.
Control over the expenditure of funds using banking or mobile banking.

From the age of 21 you can also get a Youth credit card. It has a grace period of up to 50 days. The rate is 33%, and the cost of service for the year is 750 rubles. To receive, you need proof of income - for example, a certificate of receipt of a scholarship. The bank allocates a maximum of 15 thousand rubles for the first loan.

The capabilities of a credit card are completely similar to those of a debit card. The only difference is the cash withdrawal conditions. For this operation you will have to pay a 3% commission if you withdraw money from Sberbank terminals, and 4% if you withdraw money from a terminal of another bank.

Advantages of the “Youth” card

The youth debit card is known for several significant advantages:

Card service is 5 times lower than others - only 150 rubles. for a year;
Possibility of using MasterCard or Visa;
The card is valid for 3 years;
Free renewal after the end of the period;
Free connection to mobile banking.

You can also activate the “Thank you” bonus program, which returns up to 10% of the total purchase amount. Bonus money is intended for new purchases. One bonus earned is equal to 1 promotional ruble. Many reputable stores and services support this program.

In addition, the user has access to 24-hour service in the Sberbank Online Internet system and all types of money transfers.

Many young people earn extra money on the Internet. To quickly and conveniently receive well-deserved royalties, you can link your card to electronic wallets. There is also the opportunity to order a card with a unique design - you can choose it from the existing gallery in the bank or offer your own version. The service is paid. Costs 500 rubles.

MasterCard VISA

Youth card- this is a debit card of the issuing bank, to which the personal money of the young cardholder is credited (scholarship, salary, simple investment), and this money is used to make purchases and pay for services in any place where it is possible to pay with the card. The card holder can only use the funds that are on his card.

Youth debit card holders can be individuals aged 14 to 25 years or from 18 to 27 years or more who have entered into an agreement with the bank to open a bank account for making payments and paying for various services using a bank card.

True, not all Russian issuing banks issue cards for young people. Today, a youth debit card is offered by such Russian banks as:

Sberbank of Russia (Visa Classic or MasterCard Standard),
Rosbank (MasterCard Standard ISIC),
OTP Bank (MasterCard Standard).
Alfa-Bank (MasterCard - “Next” card)

The most attractive in terms of service conditions is the Sberbank youth debit card. We will tell you about it in more detail.

Youth card of Sberbank of Russia

The Sberbank youth card is a debit card for young people, which is issued in rubles and gives the opportunity to use all modern banking services and manage their finances in a comfortable and safe environment. And given the extensive network of ATMs and Sberbank branches, the territorial service radius of the card is extensive.

The youth debit card design offered by Sberbank is divided into:

Typical standard drawing. The standard version of the card design is shown on the bank’s website, and in my opinion, it has a fairly modern look.
Your drawing. If a young man doesn’t like the standard design, he can create his own individual drawing for an additional fee.
Drawing from the bank's gallery. The bank's gallery offers a large selection of designs for youth cards.

A youth debit card design selected from the gallery may look, for example, like this:

Procedure and conditions of registration

The conditions for issuing a card are as follows:

Mandatory presence of an identity document (passport);
The card holder's age is from 14 to 25 years;
Citizenship of the Russian Federation;
Permanent registration in the region where the card is issued.

An application for card issue can be submitted:

in any branch of Sberbank (from a specialist);
through the website of Sberbank of Russia.

The youth debit card can be used to provide the following Sberbank services:

scholarship enrollment;
receiving wages;
payment for purchases in stores in Russia and abroad;
withdrawing and depositing money into the account (at bank offices and through ATMs);
payment for mobile phone, Internet, TV and other services - through terminals and ATMs, Sberbank Online and Mobile Bank;
to monitor the account status in real time through Mobile Bank and Sberbank Online;
payment for purchases on the Internet.
Providing services - “Autopayment”.

Tariffs - Sberbank youth card

An attractive feature of the youth card of the Visa Classic or MasterCard Standard payment systems is its fairly discounted service rates. Thus, the Sberbank youth card for 2013 has the following basic service tariffs:

Annual maintenance fee - 150 rubles.
The initial contribution to the bank card account is at the discretion of the holder.
Contribution to the reserve account is not provided.
The next reissue of the card is free.
Early card reissue is free.
Reissue in case of loss of the card, loss of the PIN code, change in the personal data of the Cardholder - 150 rubles.
Custom card design - 500 rubles.
Contribution to the reserve account is not provided.

Just 10 years ago, not all Russians regularly used bank cards, but now banks issue them even for children.

At first this may seem strange - why does a child need a payment instrument? But then parents realize that in this way the child learns financial responsibility.

Therefore, a number of banking institutions offer the issuance of credit and debit cards for young people.

You will learn about one of the most interesting offers on the market - the “Youth Card” from Sberbank of Russia, its pros and cons from this review.

Review of banking product, tariffs

In addition to the name and release conditions, as well as a number of bonuses, “Youth” plastic is no different from regular plastic. The main feature is an incredibly low service fee, only 150 rubles per year. Sberbank also took into account the rhythm of life of modern youth and their craving for mobility, providing convenient account management, a mobile application and increased bonuses when making payments using a payment instrument.

Two types of Sberbank youth cards are issued: debit and credit, Visa and MasterCard Classic payment systems.

Debit cards 7+, 14+, 18+

Suitable for paying for goods and services in retail outlets and on the Internet, replenishing and withdrawing cash. You can order a debit note with an individual design.

Personalized plastic, valid for standard three years from the date of issue. It’s convenient for students because you can get a scholarship for it– just write an application to the dean’s office and provide account details.

When making non-cash payments with the Youth Card, the accumulation of increased bonuses from Sberbank is provided.

Sberbank Youth Card is issued for children over 7 years old:

from 7 to 14 years old - as an additional addition to the parental account, only for non-cash payment and crediting child benefits;
from 14 years to 25 years - as the main one, parental consent is not required for registration;
from 21 to 30 years old – a credit card can be issued.

As you can see, the bank has set an age limit - persons no older than 30 years can use the “youth” product.

How much does annual service cost, the price of Mobile Banking

For those who want to provide their children with access to the main account, it is possible to set spending limits for non-cash expenses.

To do this, parents need to contact a Sberbank branch and write a statement according to the established template.

For plastic 14+, this service is no longer available, since the debit will be the personal property of the teenager and will be registered as the main one.

What services are available to the holder? Let's look at the table.

Advantages: convenient use, the ability to issue plastic to children over 7 years old, low annual maintenance fee.

Flaws: expensive “mobile bank” (60 rubles instead of 30), restrictions on the age of the holder.

In this article, read detailed instructions on how to block a lost Sberbank card:.

Credit card 21+, available limit

From the age of 21, Sberbank offers young clients to apply for a “Youth 21+” credit card. The advantage of such plastic is that for this category of holders a reduced interest rate is applied for the use of borrowed funds. Confirmation of income is possible both with a statement of scholarship accrual (for students) and with a standard 2-NDFL certificate.

NOTE! This credit card is an ideal product for creating a positive credit history with a bank. In six months to a year, careful payers will have access to loans at a reduced interest rate and preferential mortgages.

The initial limit for non-working students can be set at 15 thousand rubles, as a starting one, and later increased at the initiative of the bank with careful repayment.

Easy to use due to the connected Mobile Banking service– at any time, using a request to number 900, you can find out the current loan payment. SMS reminders about the next payment date are also included in the service package.

The initial limit for non-working students can be set at 15 thousand rubles, as a starting limit, and later increased at the initiative of the bank with careful repayment.

Cost of annual credit card servicing“Youth” will be 750 rubles.

Advantages: there are no mandatory requirements for employment, a grace period, it is convenient to monitor expenses and payments.

Flaws: no preferential loan rates, expensive servicing, small initial limit.

How to apply: conditions of receipt for clients

You can apply for “Youth” plastic at any Sberbank branch, existing clients (parents of children under 14 years of age will find this especially convenient) – using their personal account on the website.

An application for release can be submitted simply via the Internet, receiving the plastic after it has been produced.

To register a 7+ debit you will need:

statement from one of the parents;
passport of one of the parents;
child's birth certificate.

To apply for a Youth Credit Card - age from 21 to 30 years, a certificate of scholarship or income certificate (suitable in the bank form), a copy of the work book for workers.

The basic requirements for recipients of “youth” cards are simple:

Russian citizenship;
availability of permanent registration in any region of the Russian Federation;
payment of an annual service fee in the established amount.

As you can see, the requirements are standard.

How to order and receive for free

How can you get a card and what methods exist for this?.

There are two of them:

submitting an application during a personal visit to a bank office;
place an order to receive a card on the website (you will still have to go to the office, since for security reasons Sberbank does not send plastic cards by mail).

In the office

After the debit has been made, it will be transferred to the selected bank branch, and the client will receive an SMS notification on the phone number specified in the application form. The finished plastic is stored for no more than 30 days, after which it is destroyed if the client did not receive it on time.

The card will be ready for use immediately after activation and payment of the annual service.

Online application

It can be used through the Sberbank Online service or directly on the website.

The advantage of this method is that there is no need to stand in line, you can submit an application at a convenient time and choose an individual design (if desired, such a service is provided).

Through your personal account, the application is completed as follows: You need to log in to the system, go to the “Debit cards” section, select the one you need and click the “Apply” button, then enter the required data.

Submission from the main site is done the same way. In the bank cards section, select “Youth” of the required type (14+, 18+ or 21+), carefully fill out all fields of the application form, select a design (from the proposed gallery, upload a photo from your computer or from Instagram) and send the application.

Immediately after the debit is ready, you will receive an SMS that you can come up and get it at the department. You must have your passport and annual service fee with you (for credit cards - documents confirming solvency).

Card production time ranges from 3 to 14 working days.

It takes the longest to produce a card with an individual design. Additionally, the delivery time from Sberbank's head office to the selected branch is taken into account - from 1 to 7 days, on average.

Activation

In order to start using the “Youth” card, you need to activate it. The bank will do this independently within 3-48 hours from the moment it is received by the client. You can also not wait, and immediately do it yourself in the department.

If difficulties arise, contact your client manager, he will help you activate using an ATM and connect selected services (Sberbank Online, Mobile Bank) on the spot.

It’s easy to activate the card yourself: all you need to do is deposit funds into your account using an ATM and PIN code. The PIN code is issued along with the plastic card.

How to use

Debit and credit Sberbank cards of the “Youth” tariff for persons over 14 years of age support all services: withdrawal and replenishment of funds to the account, transfers between cards within the bank and to third parties, payment for goods or services on the Internet, payments at retail points of sale.

Children's cards 7+ are intended exclusively for non-cash payments.

Youth cards are easy to use– in any place where Visa Classic or MasterCard Standard category plastic is accepted, you can use it to pay for purchases through a special POS terminal.

You cannot give the card to strangers and tell them your PIN code.

Card transactions are confirmed by entering a PIN code or a special SMS code(when paying for purchases on websites). Cash withdrawals and replenishments are also made using a PIN code at Sberbank ATMs and payment terminals.

It is necessary to store the card carefully, avoiding damage to the magnetic stripe, separately from the PIN code. If it was lost, you must immediately call the bank and block it, and then order its reissue.

You will learn how to properly close a Tinkoff Bank credit card by reading our following material:.

How to find out your balance

Checking your account balance is very easy.

To do this, you can use the following services:

connect SMS notifications about expense transactions;
install a mobile application;
check it at an ATM;
call the bank's hotline;
use the Mobile Bank service by sending an SMS to number 900;
log into your Sberbank Online personal account.

To request a balance, any Sberbank ATM or a third-party ATM is suitable, but in the latter a fee is charged for this operation. To make a request, you need to insert the plastic card into the device, dial the PIN code, select the item in the “Show balance” menu - on the device screen or print it on a receipt.

By calling the hotline, the operator can also provide up-to-date information on the status of the account. The number itself is indicated on the back of the card, or When calling from a mobile phone, you can use the short number 900 (it's free). It is important to make a call from the number specified in the client agreement. You can check your account balance online or transfer the call to an operator.

Using the short command service, checking your account balance is also very easy: Dial *900*01# from your mobile phone and press the call button. You will receive an SMS with information in response.

To check your balance through a mobile application or personal account, you must first register in the system and then download the application. It is available for all popular operating systems, including Windows Phone. Next will be registration in the application and setting a PIN code to enter it. Afterwards, in the “My Cards” section you can regularly and free of charge find out your account status.

TIP: The easiest way to keep your balance under control is to enable SMS notifications about all transactions on your account. With each debit or replenishment, you will receive a notification containing information about the funds available for spending.

Cash withdrawal, replenishment, commissions

You can use an ATM to withdraw cash- this is the easiest way, especially if you perform this operation at a Sberbank ATM - in this case no interest is charged for withdrawing your own funds from the account. In third-party banks, the transaction fee will be 1% of the withdrawal amount.

For credit card users, cash withdrawal has two pitfalls: firstly, in this case there is no grace period for repayment, and secondly, a withdrawal fee of 2.5% of the amount is charged.

To withdraw money, just insert the card into the ATM, enter your PIN, and select the “Cash Withdrawal” menu item. Next, select or enter the required amount and wait until the device dispenses the money.

ATTENTION! Be sure to pick up the card within 45 seconds, otherwise the ATM will seize it.

You can top up your account in the following ways:

from a mobile phone account (indicate the required amount in SMS, for example, “500”) using SMS to number 900 - the money will arrive within 5-15 minutes, no commission is charged;
transfer from another Sberbank card (in your personal account, or Visa Transfer/MasterCard MoneySend service);
through an ATM with a cash acceptance function;
using payment terminals QIWI, Compay, etc.;
from an electronic wallet;
at the bank's cash desk.

Transfers from cards of another servicing bank are also available. The time frame for crediting funds is from 5 minutes to 3 days.

How to refuse

If you need to change the servicing bank, or simply refuse the card for any reason, remember that this also needs to be done correctly.

contact your bank branch with your passport (if you are going to close a child’s card, the algorithm of actions is slightly different);
write an application to close the card account;
withdraw the remaining funds from your balance or transfer them to another bank;
receive notification of termination of service and account closure;
hand the card over to the branch employee to have it destroyed in your presence.

Parents can close a child’s card in their personal account. In the section where all valid payment instruments are reflected, select the “Close card” item and confirm the operation with a one-time SMS code. After this, the plastic can be destroyed as it will become invalid.

Even the youngest citizens can now appreciate all the conveniences and advantages of cashless payments. Sberbank of Russia offers a line of card products specifically for young people, which includes several types of cards, differing in the age range of their owners and the opportunities provided:

youth cards 14+ and 18+ (debit);
youth card 21+ (credit);
card for a child 7+.

Despite the fact that all the cards are intended for the young part of the Russian population, they are significantly different from each other and each is worthy of a separate review. Here we will talk about the first group of debit cards - their advantages, conditions for receiving and tariffs, and we will also touch on the rest of the representatives of this “worthy family”.

Sberbank youth debit cards

Youth card 14+

You can receive a 14+ youth card upon reaching 14 years of age or adulthood. This will allow the young man to acquire the first skills of handling non-cash money, and the bank to get new clients who will subsequently be able to use the wide range of services that Sberbank provides to the population of the Russian Federation (loans, deposits, credit cards, etc.).

The bank has done a lot to popularize the youth line, for example, it offers to order a card with an individual design (for an additional fee), and you can choose the design yourself (online on the official website) or upload your own.

In addition, the “youth card” holder is offered the same conditions as classic and privilege cards, but with a significantly reduced (5 or more times!) annual service, as enthusiastically stated in customer reviews. And some companies provide additional privileges, so you can receive additional bonuses (up to 10%) for purchasing burgers at the corresponding fast food restaurant (within). Those. The bank not only offers a functional and profitable financial instrument from the age of 14, but also gives the opportunity to feel like an adult - so to speak, to pay with dignity.

The card provides the owner with the following opportunities:

payment for goods and services around the world without commission, including secure payment in online stores;
cash withdrawal at any ATM in the world (attention, a commission will be charged at a “foreign” ATM);
instant and sending non-cash payments (no details needed) using simple SMS commands as part of the connected SMS banking service. Thanks to the same service, you can connect for operational control of transactions on your card account;
the ability to use a modern, secure mobile application (the best according to Global Finance magazine), which is very relevant and timely in the era of the development of the Internet and cheaper smartphones;
connecting to an online bank (simply an indispensable free service that allows you to monitor the status of your account in your personal account 24/7, as well as perform various operations: payments (taxes, housing and communal services, mobile communications), transfers and much more. Here you can also connect or top up your e-wallet (Yandex Money is replenished without commission);
activation of the “Thank you from Sberbank” loyalty program;
Receiving discounts from bank partners and Visa or MasterCard payment systems and much more that a bank card can do.

When making a non-cash payment by card, up to 10% of the amount is returned to its holder in the form of bonuses under the “Thank you from Sberbank” program. They accumulate in a bonus account and make it possible to pay for purchases (1 bonus is equal to 1 ruble). All online purchase transactions are carried out with the mandatory introduction of a secret confirmation code, which is sent to the cardholder via SMS message (as part of a free service).

A young person between 14 and 25 years old can apply for such a card. To do this, you need to contact one of the Sberbank branches with a passport of a citizen of the Russian Federation. An agreement for card services is concluded with the bank according to established tariffs. Please note the following terms of cooperation:

It is possible to obtain a Visa or MasterCard payment system card;
card currency – rubles;
release - free;
validity period – 3 years;
scheduled (and early) reissue - free of charge (if you lose your PIN code, card or change personal data - 150 rubles for reissue);
servicing for the first and each subsequent year is 150 rubles.

There is a daily limit on withdrawals (total limit 300,000 per day):

at ATMs of banks and other credit institutions in the amount of 150,000 rubles per day;
at bank cash desks – 150,000 rubles per day.

The monthly limit on cash withdrawals is 1,500,000 rubles in total at cash desks and ATMs.

Withdrawal of cash at Sberbank cash desks in any territorial bank (all over Russia) - no commission (!), if the daily limit is exceeded, the commission is 0.5% of the excess amount. In any subsidiary bank (representative office of Sberbank abroad), money can also be withdrawn without commission (an additional fee of the subsidiary itself is possible), plus 1%, but not less than 150 rubles. for exceeding the daily limit.

There are NO commissions at any (!) Sberbank ATM.

At an ATM of another bank, Sber will take 1% of the withdrawal amount (but not less than 100 rubles), plus it is necessary to take into account the commission of the bank that owns the ATM.

Cashless payment by card WITHOUT COMMISSION.

When the card is produced (production time is up to 2 weeks) and arrives at the bank branch, its owner will receive a notification SMS message or bank employees will provide information via a contact number. It is possible to get a card of an individual design - the amount of this service is not clearly indicated on the website, but judging by the bank’s prices, you will have to pay an additional 500 rubles. If questions arise about working with a plastic card or it urgently needs to be blocked, the client has 24-hour support from Sberbank’s contact center staff or SMS team.

Youth card 18+

The Sberbank youth card 18+ also applies to debit cards and operations on it are carried out within the limits of the real balance. It is issued for clients aged 18 to 25 years. In terms of the opportunities provided, it is COMPLETELY identical to the youth program for 14-year-olds. Intended for non-cash replenishments and payments, use at an ATM. You can use it as a scholarship or salary. Relatives can add money to the card, which is especially convenient for students.

Other offers from Sberbank

Non-cash money can serve as a good alternative to pocket money that is provided to schoolchildren. For this purpose, Sberbank provides a “Children’s Card 7+”. Parents can open it as an additional card to their main card.

They issue a card in the name of the child, who receives partial access to the funds in the parent’s account (limited by limits) and can pay for purchases in stores or on the Internet. For any non-cash transfer from a card, a confirmation code is required, which is sent via SMS to the contact number. Parents apply for such a card at the department if they have their passport and child’s birth certificate.

For those who are over 21 years old and have a regular income in the form of a scholarship or salary, a 21+ youth credit card is available. A credit limit is set on an individual basis, for the use of which a fee is charged monthly (or not charged if you manage to repay the debt within the grace period of 50 days!).

Read in our separate review, but here I would just like to add that receiving it is a completely different level of financial responsibility (both to the bank and to yourself), and you, as its possible future holder, must be fully aware of this!

conclusions

The Sberbank youth card is maximally adapted to the needs of the younger generation, which they do not forget to praise the card in their reviews. It is affordable for an annual service cost, makes it possible to perform the most popular operations, ensures high security of their implementation (both online and offline) and the safety of financial assets. This is a full-fledged classic card with a chip on board.

Youth cards provide round-the-clock access to non-cash payments via the Internet, and cash can be withdrawn from any ATM as soon as necessary. If your card is lost or stolen, the money will be blocked (at your command), making it impossible for others to withdraw it. And, nevertheless, it is necessary to use it carefully, not to reveal its details (especially the CVV/CVC secret code), and to keep the PIN secret. Only then will this financial instrument be your assistant and provide you with additional convenience (and benefits) when making non-cash payments.

More information about the Molodezhnaya card

This card has three varieties, which depend on the age of the applicant:

14-25 years old;
18-25 years old;
21-30 years old.

In the first two cases, the cards are debit. The third type is credit.

Debit cards are not very different. They have similar terms of registration and use. It is convenient to store the owner’s personal funds in such accounts.

You can also perform various transactions using a debit plastic card:

Accept a salary or stipend for it. To do this, just provide your account number to the accounting department of your educational institution or enterprise.
Top up your card in all possible ways: using online transfers from other cards and accounts, through ATM, through a bank branch.
Convenient mobile account replenishment without any commissions. The procedure requires telephone, where there is an online Sberbank application. If this resource is not connected, you can use SMS banking. It's not difficult to set it up yourself.
Interest-free cash withdrawal from your account at any Sberbank ATM.
Payment for any services and online purchases.
Control over the expenditure of funds using banking or mobile banking.

The capabilities of a credit card are completely similar to those of a debit card. The only difference is conditions cashing out funds. For this operation you will have to pay a 3% commission if you withdraw money from Sberbank terminals, and 4% if you withdraw money from a terminal of another bank.

Advantages of the “Youth” card

Youth debit card known for several significant advantages:

Card service is 5 times lower than others - only 150 rubles. for a year;
Possibility of using MasterCard or Visa;
The card is valid for 3 years;
Free renewal after the end of the period;
Free connection to mobile banking.

In addition, the user has access to 24-hour service in the Sberbank Online Internet system and all types of money transfers.

You can order a card with contactless payment technology. Simply swipe the card over a reader with a “wave” icon - and the payment is paid. Another advantage of this card is its popularity on social networks. In particular, on Instagram. With the hashtag #everythingiseasy, you can find other users of the same card or learn about new promotions and offers from the bank.

However, there are several nuances in the terms of use:

There is an age limit - no older than 25 years;
Using a mobile bank is 2 times more expensive than the standard rate, and amounts to 60 rubles per month.

How to get

The Sberbank of Russia Molodezhnaya debit card is issued without the consent of the applicant’s parents. It can only be obtained by Russian citizens with registration in the country, aged 14 to 25. There are two main ways to apply:

Visit the nearest bank branch. The card is produced and delivered within 1-2 weeks.
Leave an online application on the official Internet portal. There is a special form that needs to be filled out. Sberbank employees review the electronic application within 2 business days. Next, it should take about 14 days to produce the card. When it is ready, staff will contact the applicant by phone number. The card will be available get at the selected bank branch or order it for home delivery.

For the “Youth” card you need a basic set of documents:

ID card (passport of a citizen of the Russian Federation)
a certificate certifying permanent or temporary registration in the country.

If it is necessary to issue a credit account, a certificate of income is also added to this list.

A credit or debit card is provided to both working and non-working students.

So, the “Youth” card from Sberbank is a profitable product for teenagers and students. With its help, young people gain financial independence, learn financial literacy, and can also accumulate bonuses for purchases and entertainment. Not every bank allows a teenager to fully manage their product. At Sberbank, clients over the age of 14 receive a full list of benefits and opportunities that make life more comfortable. That is why this card is in such demand among young people.