Sberbank clients can issue plastic cards of various payment systems and types. Sberbank PRO100 Momentum cards are a convenient and multifunctional means of non-cash payment for goods and services.

The PRO100 system has been actively implemented in recent years in Russia and in many places has already supplanted well-known international analogues. Sberbank is also directly involved in this process, issuing and promoting plastic cards. PRO100 cardholders have the opportunity to withdraw cash without commission from ATMs of banks included in the “Universal Electronic Card” system

Due to the increasing number of problems with international organizations, large domestic financial companies have decided to develop, implement and promote their own payment system. Today, the project is already supported by hundreds of companies across the country. It is gradually displacing international systems from most areas and will soon become the market leader.

Sberbank cards PRO100 “Momentum”

The PRO100 payment system works with different types of cards. The Momentum series has a number of advantages:

• the application is processed in 15-20 minutes;
• costs only 300 rubles annually;
• cards have a built-in chip, which increases data protection from unauthorized persons;
• “Momentum” are universal cards for making cashless payments on the Internet and in regular stores, making transfers, paying for services, fines, taxes, loans.

Speed ​​of receipt and a minimum of formalities often play a decisive role when choosing a card.

Thank you reward program on PRO100 cards

Sberbank PRO100 “Momentum” cards participate in the program, which allows you to accumulate points in a special account. These bonuses can then be spent in stores included in the affiliate program.
The card is valid for 3 years. It is indicated on the front of the card. At the end of the term, you should order a reissue of the card at the bank, by phone or via the Internet.

The cards are intended for use in Russia, therefore they work with the national currency - rubles.

Conditions for issuing a Momentum card

1. The owner must be over 14 years old.
2. Be a citizen of Russia.
3. Have a residence permit in the Russian Federation.

If the above conditions are not met, the card can be issued after consideration of the application by the branch management.

To apply for a card, you must take your passport with you. A bank employee will help with writing an application and drawing up a service agreement. The procedure takes up to 20 minutes. Then you are issued a card and a PIN code for it.

How to top up your PRO100 card

Money can be deposited into your account in various ways. Working with Momentum is practically no different from other Sberbank cards.

You can choose one of the available replenishment options:

Sberbank tries not to limit its clients and provides various options. I would also like to remind you that when visiting a bank, you should always take an identification document with you, for example, a passport. You can control the operation of Momentum PRO100 cards through your Personal Account, mobile banking or Contact Center.

Limits on withdrawals from Momentum PRO100 cards

The daily limit is set at 50 thousand rubles. The day ends at 00:00 Moscow time.

Not long ago, Sberbank of Russia began issuing PRO100 payment cards. This payment system is quite common in Crimea today. That is why many consumers would like to know how a SIMPLY bank card from Sberbank is issued and what it is. After all, a large number of vacationers in Crimea want to use a bank card as a means of payment. Taking cash with you is not very convenient, and it is also not safe. And on the peninsula there is now an unpredictable situation regarding the operation of the Visa and MasterCard payment systems: today they work, tomorrow they don’t.

And cards of the PRO100 payment system work constantly in the republic, while in most ATMs you can withdraw cash from such payment instruments without commission. Therefore, this card is in demand today, because it is easier to issue it in your city, top up your balance and calmly go on a long-awaited vacation. This is exactly what we will talk about in this article. Let's look at the conditions under which you can get it from Sberbank and how long it will take. In addition, here you will learn about other debit cards of this financial institution, because they are no less in demand among the population.

Card PRO100 “Personal” Standard

Since you can open a Sberbank debit card of the PRO100 payment system at the age of 14, this is its main advantage.

Credit card Everything is simple from Sberbank

In fact, the Bank of Russia issues many debit products to 14-year-old citizens. In this case, you will need to have Russian citizenship and permanent registration in the country. Registration is carried out only by personal application to one of the bank’s branches. Online application for such product will not be accepted. In return, you can receive it within fifteen minutes after filling out the application. Main characteristics:

• The card is not personalized;
• The account is opened only in rubles;
• “Plastic” is valid for three years;
• The service is paid, but not expensive - only 300 rubles per year;
• The payment tool is equipped with a protective electronic chip.

The card belongs to the “Universal Electronic Card” payment system and is accepted throughout Russia wherever there is a “PRO100” logo. You can make a PRO100 debit card at a Russian bank by presenting only your passport. This payment instrument does not imply the accrual of a credit limit or the possibility of using an overdraft.

Other Sberbank debit cards

There are few people in our country who have not heard of Sberbank or do not use its financial services. This is the largest state-type banking organization in Russia, enjoying enormous popularity and having a wide range of functions. Lending, opening savings accounts, payments to pensioners, social services and much more - all this is carried out regularly and using the latest technologies by the organization's employees.

Debit cards are one of the features of Sberbank, since the availability of a variety of types is amazing, and the ability to choose individually according to your needs has an advantage in choosing this particular financial organization.

Existing types of debit cards

Since any consumer who has reached the age of 14, and in some cases 18 years of age, can make a Sberbank debit card, one should consider the “plastic” that is offered by the financial institution. The Bank of Russia offers services for issuing plastic cards for daily use with the creation of an individual current account for all categories of citizens.

Sberbank instant debit card

Debit cards differ in the types and tariffs at which customer service is provided:

• "Social";
• “Youth” (student);
• Gold class;
• "Instant";
• Electronic;
• “Classic” / with a choice of exclusive design;
• Aeroflot partner;
• "Platinum";
• Charitable in nature under the name “Give Life”;
• "Universal";
• Virtual.

All types of cards are issued from Visa (Classic, Gold, Platinum, Virtual, Electron) and Master Card (Standart, World, Platinum, Gold), as well as Maestro.

Classification of cards offered by Sberbank by their type

Pay attention to the main types of cards. For ease of reference, we have divided their typical categories.

Maestro and Electron Debit Cards

Since it’s easiest to get a Sberbank debit card, tap Electron or Maestro, we’ll start our review with just such payment means.

• Electronic cards Visa and MasterCard - will cost the client 300 rubles for one year, allow you to pay for any purchases and make financial transactions on the Internet. The card is available for three years, after which it requires an application for renewal. Has the possibility of incentives and discounts from connected payment systems.
• The “social” card is serviced absolutely free of charge, is convenient for use by pensioners, and an increase of 3.3% per year is provided on the balance of funds. Convenience of using non-cash payments, as well as remote use.

Gold debit card Give Life to Sberbank

• “Instant” card or “Instant” – free service, different international currencies available. They are drawn up at the conclusion of a universal contract and do not have personal identification marks. Purchases can be made on the territory of the Russian Federation.
• Charity cards “Give Life” with contactless payment function. You can get a Sberbank debit card for charitable purposes. The main purpose is to make purchases from various sources while simultaneously making transfers to the children's fund. All donations come from the annual card service for the first year of use in half the amount, as well as from each non-cash purchase in the amount of three tenths of a percent.

Debit cards “Classic and Standard”

Classic Visa/MasterCard cards. This is the most common type, issued by a large number of bank clients. Maintenance costs about 700 rubles the first year, then 400 rubles each. The organization very often holds promotions to reduce annual payments down to zero. It is possible to issue several additional cards, including those for a child over seven years of age. The client can choose an option with contactless technology from MasterCard.

Since it is also possible to make a Sberbank bank card via the Internet, you should pay attention to additional options.

The individual design service is interesting; you can choose any image presented in the bank’s list or upload your own via the Internet. This opportunity is not free, the cost is 500 rubles.

All the functions of the classic card are retained. “Youth” cards are divided into several types according to age:

• From seven years – the account is linked to the parent’s account, guaranteeing the safety of funds, being an alternative to cash.
• From fourteen years - 10% of each purchase is returned back. Maintenance – 150 rubles per annum.
• From eighteen years old - all distinctive characteristics are the same 14+
• From twenty-one years old - free alerts to your mobile phone, bonuses on purchases equal to a 10% return. The “Thank You” discount service has been activated, supporting the bonus program in many chains of stores and restaurants. The card can be used for up to twenty-five years.

Classic debit card Give Life to Sberbank

Since you can make a Sberbank debit card via the Internet even with an affiliate program, you should pay attention to the “plastic” developed jointly with an aviation company. The Aeroflot debit partner card involves the accumulation of bonus points, called miles, which are exchanged for an award seat on a plane of a famous airline. The welcome offer is 500 bonuses. The Gold status card has 1000 miles on your balance. The accrual of one point is equal to every 50 rubles of purchase or payment for services.

Annual maintenance = 900 rub. With gold status – 3500, and the contactless payment service becomes available. “Virtual” is an excellent solution for active Internet users using electronic wallets. Guarantees maximum security of funds. Does not have data about the individual, but has a three-digit security code. The service is very affordable - only 60 rubles. The question of how to open a debit card at Sberbank becomes closed when consumers find out that it is issued remotely.

All necessary information about payments made and the validity period of the plastic card can be seen in your personal account on the Sberbank website.

Gold and debit cards with a wide range of capabilities from Sberbank

“Gold” cards are presented by financial institutions in the following options:

• “Gold” – the classic type from Visa or Master Card. 3,000 rubles per year, various conversions, a system of incentives and discounts, including “Thank you from Sberbank.”
• Aeroflot Gold, issued under a salary agreement. The service was indicated in the “Standard” category from the airline.
• “Gift of Life” Gold status has the same privileges as the standard version; the client can get a Sberbank debit card online and issue several more cards. Payments per year for maintenance amount to 4,000 rubles.

Sberbank digital debit card Visa

“Platinum” cards are a series for high-status clients who require expanded opportunities for deposits and use of funds. Sberbank offers two options for debit cards:

• Platinum Sberbank. This card provides numerous privileges in making purchases and servicing organizations throughout the country and abroad. All conditions are identical to other standard cards, some are negotiated individually. Cost per year = 10,000 rubles.
• “Premium” cards (World MasterCard and Visa Platinum Premier) – the ability to issue five cards at a time. Clients get access to concierge services, insurance of all funds and the card as a whole. A huge number of discounts, contactless payment. Receiving cash abroad on identical terms with Russia.

If you are interested in how to open a Sberbank debit card via the Internet, you should pay attention to the following product. A special place is occupied by the “Universal” electronic type card. You can apply for it from your own computer and receive it at the bank office by presenting only your passport. First of all, this is a priority for access to municipal and state services presented in electronic form. Put into use on the basis of the Federal Law. Services provided with this card include payment of taxes, government fees, car fines and much more. It is possible to use payment via the Internet.

Priority functions also include the ability to make an appointment with a doctor, track a child’s attendance at a municipal institution, and pay for travel on any type of public transport.

Aeroflot Signature Debit Card of Sberbank

In order to become an owner, you must have an insurance policy, an identity card, a pension insurance certificate, as well as the presence of another bank card through which payments have ever been made. Since you can get a Sberbank debit card for free, this is exactly the same product. The card is issued absolutely free of charge and is valid for 5 years. Protected by an electronic chip, acceptable currency is Russian rubles.

How to get a debit card of any kind

Applying for a Sberbank card is not particularly difficult. You need to come to any nearby branch. It is worth considering that territorial proximity is an important parameter in case clarification questions or problems with the release arise. Required documents - passport of a citizen of the Russian Federation. Having chosen the desired category of service at the bank, the specialist needs to inform about your desire to become the owner of a debit card. An application is provided to fill out personal information, including a contact phone number and email address. Since the question of how to order a Sberbank bank card interests many people, there is another way to apply.

But if you contact the bank in person, then after signing the application you just have to wait for a call from the branch. Typically, the waiting time ranges from seven to thirty days, depending on the release conditions. All that remains is to pick up the plastic card along with the envelope on which the security code is indicated. The card can be used from the same day. For global network users, applying for a card is even easier. You just have to go to the official website of the bank, select the appropriate category and fill out the required items. After this, a specialist will call you within some time, clarify the data, and inform you about the production date of the selected debit card. As you can see, a bank card SIMPLY from Sberbank is not the only debit product of this financial institution.

Sberbank of Russia is a reliable organization that inspires trust among the majority of the country's population. Its services are distributed everywhere, and the number of ATMs is the leading among all organizations. The bank's reputation is excellent not only within Russia, but also abroad. Numerous world prizes and awards distinguish Sberbank from many commercial institutions. Technological equipment satisfies even the younger generation. The bank offers debit cards in a wide range of choices, to suit any preferences in order to obtain maximum convenience from the use of funds. The category of citizens, from children and teenagers to the elderly, will definitely find the best option for themselves.

The Sberbank Momentum PRO100 card is a convenient payment instrument with a number of advantages at a low cost of service.

With the Momentum PRO100 card you can pay for purchases and services, withdraw cash from Sberbank ATMs without commission, as well as from ATMs of other banks that are part of the Universal Electronic Card payment system.

Payment system PRO100

The PRO100 banking project includes many organizations providing a full range of financial services. It is believed that this Russian payment system will gradually take over domestic financial flows from Visa and Mastercard.

Advantages of the Momentum PRO100 Card

The Sberbank Momentum PRO100 card has undeniable advantages:

• completed within fifteen minutes;
• accessible to many - card maintenance costs 300 rubles per year;
• the card is equipped with an electronic chip that provides a high level of security;
• The Momentum PRO100 card provides access to any financial transactions.

The high speed of issuing a card is possible due to the fact that it is not named. The card bears the PRO100 logo and is accepted for payment in all places included in the UEC payment system.

Card expiry date

The Momentum PRO100 card is issued for a period of 3 years. An account can only be opened in rubles. The following additional services can be connected to the card at any time:

• bonus program Thank you from Sberbank;
• Internet banking from Sberbank Online;
• Mobile bank;
• auto payment for payment of all types of payments, incl. traffic police fines.

How to apply for a card

Any citizen of the Russian Federation who has reached the age of 14 and has a permanent place of registration in the country can apply for a Momentum Pro100 card.

However, if there is only temporary registration, then the application for a debit card will be considered individually and for the most part positively.
The Sberbank Momentum PRO100 card is issued at the nearest bank office. The operator will review the application and process it immediately, within fifteen minutes.

Top up your account and withdraw cash from your card

Momentum PRO100 is used in the same way as other debit cards. If any questions arise, they can be resolved at any bank branch.

Refill

Sberbank offers the following options for replenishing a card account:

• through Internet banking system Sberbank Online;
• through a mobile application of the same system;
• Mobile bank;
• through Sberbank ATMs and payment terminals.

You can also deposit cash through payment terminals of other banks or transfer funds from accounts located in other banks.
If you need to make a payment by bank transfer, then you need to have the details of Sberbank of your “native” region, and in the line about the purpose of payment, enter your own last name, first name and patronymic, card and account number.

If we want to top up our account directly at a bank branch, we will need to provide the employee with a passport and indicate the card number.
All information about payments can be obtained:

• by requesting payment details by email;
• using SMS notifications to a mobile phone about ongoing financial transactions;
• you can generate the report yourself in the Sberbank Online system;
• You can contact the Contact Center regarding this issue.

Card withdrawal limit

The withdrawal limit for PRO100 is set at 50,000 rubles per day. It should be noted that in the Sberbank system the day begins to count from 00 hours to 24 Moscow time.

Recently, a new payment system has been introduced in Russia, such as the PRO100 universal electronic card, which can be issued at Sberbank and then actively used when traveling. This is especially true in Crimea.

How to apply for a PRO100 card?

The PRO100 card is a specially created domestic payment system in our country.

Sberbank, as well as some other banks in the country, issue such cards. Sberbank plans to issue about one and a half million such cards. This card was created not only to be a payment instrument, but also to personalize its owner. To apply for this card, you should contact a Sberbank branch, having previously specified which bank branches can issue you a PRO100 card, since not all offices do this.

The PRO100 card is also designed to perform the following functions:

• In cases established by law, the card is an identity document;
• Acts as a compulsory medical insurance and SNILS policy;
• Performs the function of a payment card;
• Helps to obtain the right to government services and payment of various fees.

How to get a PRO100 card? In order to be issued a personalized PRO100 card, you must provide complete information about your data and have supporting documents:

• passport,
• compulsory medical insurance policy,
• SNILS,

Then the bank checks the information you verified, and after a certain time issues you a ready-made card.

Tariffs and terms of use of the card

The PRO100 card is issued by Sberbank free of charge for a period of 5 years. You can cash out your card at any Sberbank ATM, or using ATMs of other banks that participate in the UEK program - a universal electronic card. Tariffs are set by the banks that installed the ATM.

Other operations on the card can also be carried out in the terminals of Sberbank or other banks, or through your personal account on the Internet.

Sberbank issues only PRO100 debit cards, which are divided into three categories: personal, salary and social card PRO100 Standard. Each of them performs its own specific functions.

Do other Sberbank cards work in Crimea?

After sanctions were applied to Crimea, international cards stopped working there. Therefore, they introduced the PRO100 card, which can be cashed out not only at Sberbank branches and ATMs, but also at ATMs of other banks that are affiliated with the UEC program.

However, since April 2015, you can also withdraw money from international cards at branches of Rossiya Bank and RNKB. The disadvantage of using them is that only a limited number of banks service them.

How to top up the PRO100 card of the Bank of Russia in Crimea

In order to top up your PRO100 card directly in Crimea, you can use ATMs of banks that are connected to the UEC program. In this case, a certain commission will be charged, the amount of which is set by each bank at their discretion.

You can also transfer to a PRO100 card at bank offices that are part of the UEC system. You just need to contact a specialist at the bank who will credit or withdraw your funds from the PRO100 card.
Another option for replenishing a card is to transfer funds from one card to another via the Internet.

Disadvantages of the PRO100 card

Like any new system, the PRO100 card has its drawbacks.

The first and biggest disadvantage is that The currency for paying for services using this card can only be rubles. Thus, it is not possible to make purchases in foreign currency in another country, not even on the Internet, if it is not in rubles.

The second disadvantage is that, after all, the number of banks servicing this system is significantly smaller, than with other systems.

Also, sometimes information appears that those who try to withdraw cash in Crimea from this card encounter difficulties and the transactions do not go through. However, Sberbank does not confirm such information, pointing out that these are only network problems, not card problems.

Benefits for cardholders

An incomparable advantage for those who have such a card is that no matter how international relations develop, this payment system will not stop operating, since it is national.

It is also convenient for organizations, since the commission for transactions with this card is lower than with other payment systems.

There is another interesting feature of the PRO100 card. Card issuers promise to charge 4% per annum on the card balance. But servicing the card will cost you 300 rubles per year.

Let's summarize:

If you are planning a trip to Crimea and do not want to take cash with you, then you will need to apply for a PRO100 card. Sberbank, which issues this card, will help you in obtaining a card. By providing a small list of documents, you will receive your card for free.

You can cash it in Crimea at Sberbank ATMs or at partner banks. When contacting some partner banks, a commission is charged for transactions performed. Transactions on the PRO100 card are made only in rubles; conversion to another currency is not possible. However, if the global payment system collapses, your card will not be affected.

Despite all the promised advantages, the PRO100 card may not always work in Crimea, this is confirmed by the following video:

The Russian payment system "PRO100", which is the basis of the universal electronic card (UEC), may soon be cancelled. Officials are inclined to conclude that a citizen’s electronic passport needs to be combined with an international payment system. Additional money will have to be invested in PRO100, which will make the already gigantic project even more expensive. Date of publication of the review - 02/03/2014

The PRO100 payment system was originally created specifically for the Universal Electronic Card project. Its operator is the federal authorized organization OJSC UEK, and the settlement center is Sberbank.

The house of cards is collapsing

It was assumed that PRO100 would be a system closed to Russian territory. This would make it possible to set tariffs lower than those of international operators, and would give Russians a guarantee of the security of their data, “hardwired” in universal electronic cards.
For now, PRO100 is included in the register of payment systems registered by the Bank of Russia. Those few (tens of thousands of pieces) and reduced in functionality (compared to the original project) UEC that are distributed in the regions actually work on its basis.
It is no secret that the beginning of the widespread implementation of UEC in Russia as mandatory cards for all citizens has been postponed for two years in a row (compared to the date determined in the original version of the law “On the organization of the provision of state and municipal services”). During this time, the government came up with the idea of ​​introducing an electronic passport of a Russian (in the form of a special plastic card) and linking all kinds of government services and payment applications to it.
In fact, and this was repeatedly admitted in his interviews (including to the Banki.ru portal) by the President of OJSC UEK Alexey Popov, in such a situation, a universal electronic card in itself loses its meaning. Another thing, Popov noted, is that the UEC and the developments associated with the creation of this card would be correct to make the basis of an electronic passport.

Passport control

The Federal Migration Service (FMS) plans to begin issuing passports on plastic carriers in 2016. The electronic document will include an identification document of a Russian citizen (like a regular paper passport now), a certificate of compulsory pension insurance, a compulsory health insurance policy, access to the government services portal, as well as (at the citizen’s request) a travel document, linking to bank cards, etc.
Alexey Popov said last year that according to the plan, applications to the electronic passport will work on the basis of the “PRO100” system, as the UEC does now. However, as the Banki.ru portal found out, not all officials and heads of organizations with state participation support this idea.
“Calculations are just being made, but it is already clear that such a large-scale project as the Electronic Passport will require large investments from the state. The question will arise about its payback or at least the return of part of the costs. One of the main options is citizens’ transactions with payment applications, essentially with bank cards. This will help to interest credit institutions and involve them in the project as investors,” says a source close to the FMS. - At the same time, both banks and citizens are unlikely to be interested in payment cards that will not be accepted in other countries. The Russian payment system will not provide such an option. We have to do it humanely - with Visa or MasrerCard, whose cards are accepted almost all over the world.”

Don't reinvent the wheel

Sberbank (the main shareholder of UEC OJSC), according to a source close to its management, does not see any point in continuing the development of PRO100. The press service of Sberbank, however, did not confirm this. “Given the need to use the UEC infrastructure in the electronic passport project, we plan to use the opportunity of the PRO100 payment system in the future,” the press service of the largest bank in Russia reported.
A source close to the management of Sberbank, however, stated that OJSC UEK, with the participation of Sber, is negotiating with leading international payment systems about the possibility of joining the project with a universal card, and then an electronic passport. “We have seriously invested in this story (UEC. - Ed.) both financially, technologically, and politically,” says an interlocutor of the Banki.ru portal. - Therefore, we want our developments (UEC. - Ed.) not to be in vain, but to become the basis of electronic passports. To do this, we need to interest the Russian population in UEC as a convenient payment instrument. It’s much easier to do this with a world-renowned payment system than to put people on a new bike.”
Sources in organizations that are currently among the shareholders of UEC OJSC - RTI Microelectronics and Uralsib Bank - agree with these words.
The press service of the Russian division of MasterCard did not answer the question whether relevant negotiations are underway with Sberbank and UEC OJSC. Visa gave a generalized comment, omitting specific details. “Visa has been contributing to the development of non-cash payments in Russia for many years, including working with our partners to implement the most ambitious projects,” said representatives of the Visa press service in Russia. “We continue to participate in the discussion of any initiatives of both the state and individual companies in order to introduce innovative solutions for the Russian consumer.”

The head of the representative office of the Chinese payment system UnionPay (this system is also, according to Banki.ru, interested in participating in projects on UEC and electronic passport) in the CIS, Sasha Fan, declined to comment.

Who gets to decide?

Banki.ru's interlocutors from the shareholder companies of UEC OJSC explained that the issue of including UEC in the electronic passport, as well as the question of the fate of PRO100, should be decided at the level of the Bank of Russia as the regulator of payment systems. Deputy Minister of Finance of Russia Alexey Moiseev speaks about this.

Representatives of the Bank of Russia considered that at this stage the question of what payment system should underlie the UEC and projects created on the basis of this card is primarily technological and infrastructural. Therefore, the decision here is up to UEC OJSC.

The press service of OJSC UEK, in turn, declined to comment, referring all questions on the topic under discussion to Sberbank.