The Momentum card is the simplest product of Sberbank. The plastic is not personalized and works according to the VISA Electron or Maestro system. That is why the user is presented with an incomplete range of possibilities. A significant advantage is the ease of receipt: 10 minutes of waiting, and the card is ready. Another plus is that you can choose any currency and use the card abroad. Let's look at the conditions and methods for issuing a Momentum card.

Conditions of receipt

It is impossible to receive a card if the client does not meet the bank's requirements. The following items are presented:

• Age – 21 years
• Having a passport of a citizen of the Russian Federation
• Grace period – 50 days
• Interest rate – from 18.9%

If a client withdraws cash, even during the grace period, 18.9% is deducted from this amount, but not less than 400 rubles. Thus, withdrawing money is unprofitable; it is better to use payment terminals.

If the client carries out a transaction at an ATM of a third-party financial institution, 4% of the amount is withdrawn.

How to apply for a Momentum card

You can apply for a credit card exclusively at a Sberbank branch. The transaction cannot be performed online. You need to contact the nearest bank branch and write an application. Employees will immediately hand over the plastic and documents to the borrower. It is worth carefully studying the agreement and terms of use. Then, leave a signature on the back of the card itself.

To start using the card, you need to insert it into the ATM and come up with a secret code. When registering, bank employees give the client an envelope containing a temporary PIN code - you need to immediately change it and put your own. The code set by the client will be used when interacting with ATMs and making purchases in stores.

Activation takes place the next day after registration. To speed up the process, you need to insert plastic from the ATM and check the balance.

You can also activate the mobile banking service and SMS alerts.

Usage and replenishment

A convenient feature is the ability to deposit and withdraw cash with a positive balance. Payment is made quickly in stores.

The Maestro system requires entering a PIN code, and VISA Electron requires the owner’s signature on the check.

If the Mobile Bank service is activated, you can pay online and make the desired payments without leaving your home.

You can top up your card in several ways:

1. Through a cash desk at any Sberbank branch (with a passport, card number or current account).
2. At a Sberbank ATM: insert the card, press “Menu” - “Deposit cash”.
3. At a third-party ATM. The difficulty lies in the commission of another bank and the fact that the transfer will not be fast.
4. Electronic money Webmoney or Yandex.Money according to details.

The Momentum card lives up to its name. Use will be quick and convenient for every user.

The Sberbank Momentum card is the fastest in terms of registration and is free. The receiving process will take a few minutes. Let's consider the advantages and disadvantages of this product, conditions of receipt and use.

Terms of service for Momentum cards in Sberbank

The Sberbank Momentum card is a free debit card for instant issuance, to obtain which you just need to have your passport with you. This is the main difference that makes it especially attractive. You just need to come and pick up the product, unlike personalized cards, the issue of which you need to wait 2 weeks, and you also have to pay for the service.

In terms of functionality, Sberbank Momentum is similar to other plastic cards. A Momentum debit and credit card from Sberbank of the international payment systems Visa and MasterCard is available for registration. By paying with them you can return from 0.5 to 20-50% of the cost of the goods by connecting to the “Thank you” program. It is also possible to manage funds in the account remotely, through the Sberbank Online system or mobile application.

The Momentum credit card is provided with a grace period of 50 days, like other Sberbank credit cards. The interest on the loan is from 23.9%, and its size can reach 600 thousand rubles.

As with other Sberbank cards, all holders of a Sberbank Momentum credit or debit card can use Mobile Banking, managing funds via short SMS commands. Self-service devices – terminals, ATMs – are always available to clients.

Contactless payment is not supported, but it is possible to pay for services/goods using only your phone through the Apple/Android/Samsung Pay applications.

Let's consider the conditions under which Sberbank debit and credit cards are provided, and highlight the main advantages and disadvantages.

Cash withdrawal limit on Momentum Visa and MasterCard cards

Possible currencies of the Sberbank Momentum debit card are rubles, US dollars or euros. The credit card is provided only in rubles. Plastic is issued and serviced free of charge; you also do not need to pay anything for regular or early reissue. Additional cards are not issued. Among the disadvantages is a lower cash withdrawal limit.

Debit

Available limits of the Sberbank Momentum debit card:

• The monthly limit on cash withdrawals (at a cash register/ATM) is 100 thousand rubles/3000 dollars or 2500 euros;
• Daily allowance at any cash desks/ATMs/without a card for cash withdrawal – 50 thousand rubles. (equivalent in foreign currency) or 1600 dollars/1200 euros;
• For transferring funds to another Sberbank client through remote servers using a card number, the limit is lower than for other cards - up to 101 thousand (only rubles can be transferred);
• There is also a limit on payments by bank transfer - 100 thousand rubles. (3.5 thousand dollars / 2.5 thousand euros) per day.

Transaction fees, according to the terms of service for the Momentum debit card, will be as follows:

• there is no commission for replenishing an account through a cash register, except in cases where the money is deposited in another territorial bank not personally by the owner of the plastic card (for this the commission is 1.25% of the amount, but min. 30 and max. 1000 rubles);
• for cash withdrawals at the branch where the card is opened - there is no commission within the daily limit, for an amount exceeding it - 0.5%;
• cash withdrawal from other TB/subsidiary banks – 0.75%;
• cash withdrawal through cash desks/ATMs of third-party financial institutions - 1%, but not less than 150 rubles. ($5/euro);
• checking account balance – 15 rubles/request;
• full package of mobile banking – 60 rubles/month. (after free 2 months).

Credit

Available limits on Momentum credit cards:

• cash withdrawal per day – up to 150,000;
• through local ATMs – no more than 50,000;
• through the cash desk of Sberbank and other banks - up to 150,000.

For cash withdrawal - in your own bank 3%, in a foreign bank - 4%, but not less than 390 rubles.

Pros and cons of using a card

Thus, we can highlight the following advantages of Momentum cards:

• free service and receipt;
• fast processing;
• the ability to remotely manage money through remote services via the Internet or telephone (Sberbank Online, mobile application and SMS command), setting up automatic payments and transfers;
• access to all regular bank card transactions without additional fees;
• savings through participation in the “Thank you from Sberbank” program and promotions from Visa/Mastercard;
• Credit cards also have the advantage of low interest rates and a large credit limit on a personal offer from the bank for existing clients.

The disadvantages of Momentum cards from Sberbank include:

• lower limits compared to similar products (for cash withdrawals, transfer of funds through UCO);
• inability to connect to the salary project;
• If the card is lost/stolen, the card cannot be restored - you will need to get a new one;
• with cards without a chip (issued before May 2016), difficulties may arise when paying abroad;
• lower level of security for transactions, since the card is linked only to a mobile number.

As you can see, the disadvantages are less significant and there are fewer of them.

How to get a Momentum card from Sberbank

How to get a Momentum card? This is the easiest plastic to design.

Debit

The Sberbank Momentum Visa/MasterCard debit card is valid for three years; according to the bank’s conditions, it can be issued upon reaching 14 years of age.

To get it it is enough:

• come to the nearest office with your passport;
• sign an agreement;
• pick up the card.

Credit

Momentum - at a bank branch or through an online application on the website (in the Visa or MasterCard payment system at the client’s discretion). The credit card is available if you have Russian citizenship and permanent/temporary registration in Russia; citizens of the Russian Federation aged 21-65 can receive it.

These include:

• holders of salary/pension cards;
• active owners of other payment cards;
• Sberbank depositors;
• holders of consumer loans.

Sberbank will inform you about the pre-approved offer, and the client will already decide to accept or refuse such a credit card.

Sberbank of Russia credit card credit cards

Sberbank claims that if a client issues a Sberbank Momentum card, this will make his life easier and more convenient. And to some extent this is true.

The Momentum card is a universal Sberbank card, which is issued at the client’s request within a few minutes and is intended for conducting transactions in the Russian Federation, on the Internet and abroad.

Sberbank issues two types of cards:

• Debit card - “Momentum” Visa and MasterCard
• Universal credit card - Visa and MasterCard Momentum cards

1. Sberbank Momentum debit cards

The appearance of the Sberbank Momentum card is slightly different from what a standard bank card looks like and what information is on the card. The Sberbank Momentum debit card looks like this:

Sberbank Momentum debit card

So, on the instant card there is no information about its holder, that is, the client’s Last Name and First Name are not indicated, instead, an entry is made on the card - MOMENTUM, which, as it were, emphasizes its instant status.

The rest of the card is standard, which is what is marked on the card - STANDARD. The card number and expiration date (expiration date), which are required to make online payments, are located in the usual place.

Standard (from the English standard - norm, sample) in the broad sense of the word - sample, standard, model, taken as the initial ones for comparing other similar objects with them.

As Sberbank explains in section B-O, the Sberbank-Maestro “Momentum” debit card has a feature - it is impossible to receive cash abroad with it.
Available card transactions
Momentum cardholders have the opportunity to carry out the following banking operations:

• Withdrawal and acceptance of cash.
• Receiving translations, incl. from your cards of another level;
• Making payments online or at points of sale;
• Sending transfers to cards of any level issued by different institutions;
• Payment to institutions according to details;

Fees for transactions using the Momentum debit card
Fees for transactions from accounts using cards:

• Receiving money at a Sberbank branch or ATM: free;
• If the daily limit is exceeded: 0.5%;
• When received through a Sberbank branch belonging to another territorial body: 0.75%;
• Receipt at another organization (ATM): 1%;
• Accepting funds for crediting to the card account is free;
• Acceptance of funds for crediting to a card account in another territorial bank - 1.25% of the amount, min 30 rubles, max 1000 rubles
• Sending money through another territorial division of Sberbank: 1.25%;
• Cashless transactions at retail points of sale: free.

It is possible to issue a Momentum card, provided that the client takes several steps:

1. Contact any Sberbank office.
2. Present an identification document.
3. Sign the necessary documents.

You can top up your Momentum debit card through:

1. Sberbank Online - In Internet banking and mobile application you can transfer money from card to card
2. Mobile bank - Top up your card with one SMS command to number 900
3. Self-service devices - Transfer money to your card at an ATM or terminal.

2. Visa and MasterCard Momentum credit cards

The appearance of the Sberbank Visa and MasterCard Momentum credit cards also looks slightly different from the standard ones:

Sberbank Momentum credit card

The card does not contain information about its holder, that is, the client’s Last Name and First Name are not indicated; instead, the card contains an entry - CREDIT MOMENTUM, which seems to emphasize its instant credit status.

A Momentum credit card can only be issued with a personal offer pre-approved by the bank, provided that the client:

• Receives a salary or pension on a Sberbank card;
• Uses a Sberbank debit card;
• Has deposits in Sberbank;
• Apply for a consumer loan.

Fees for transactions using the Momentum credit card:

• For issuing cash through a cash desk or ATM of Sberbank/subsidiary bank - 3% of the amount, but not less than 390 rubles.
• For issuing cash through a cash register or ATM at other credit institutions - 4% of the amount, but not less than 390 rubles.
• Carrying out non-cash transactions for servicing cards at trade and/or service enterprises - without commission.

Conditions for issuing Momentum cards

The main parameters and conditions for issuing and servicing a Sberbank instant card are as follows:

№№	Parameters and conditions for issuing a Momentum card	Debit card	Credit card
1.	Payment system	Visa, MasterCard	Visa and MasterCard
2.	Card account currency	rubles, US dollars, euros	Only in rubles
3.	Card registration deadline	10 minutes	15 minutes in the department
4.	Card expiry date	3 years	3 years
5.	Cost of annual maintenance and card reissue	for free	Free (next reissue is not provided)
6.	Cost of card issuance	for free	for free
7.	Additional cards	Not issued	No
8.	Age of the client at the time of card issuance	From 14 years old	From 21 years old (up to 65 years old)
9.	Registration of a client on the territory of the Russian Federation.	Permanent or temporary registration	Permanent or temporary registration in any locality of the Russian Federation. Citizenship of the Russian Federation.
10.	Bonus program “Thank you from Sberbank”	Yes	Yes
11.	Credit limit	No	up to 600 thousand rubles.
12.	Loan interest rate	40% per annum (with unauthorized overdraft)	23.9% per annum
13.	Grace period for lending	-	up to 50 days

Limits on Sberbank Momentum cards

Sberbank of Russia has established the following limits for transactions using Momentum cards:

№№	Limits on Momentum cards	Debit card (rubles, US dollars, euros	Credit card (rubles)
1.	Monthly limit for cash withdrawals through the Bank's cash desks and ATMs	100,000 rub. or USD 3,000 or EUR 2,500	-
2.	Daily limit for cash withdrawal at bank cash desks	50,000 rub. or equivalent in foreign language currency	150,000 rub.
3.	Daily limit for cash withdrawal at the cash desks of subsidiary banks/other credit institutions	absent	150,000 rub.
4.	Daily cash withdrawal limit at ATMs of subsidiary banks/other credit institutions	50,000 rub. or 1,600 US dollars or 1,200 euros
5.	Daily cash withdrawal limit at Bank ATMs		50,000 rub.
6.	Daily limit for issuing funds without using a card through the cash desks of regional banks other than the place where the account is maintained	50,000 rub. or 1,600 US dollars or 1,200 euros	-
7.	Limit on transactions for accepting cash for crediting to a card account via OKR per day	10,000,000 rub. or equivalent in foreign currency	10,000,000 rub.
8.	Limit on transactions for payment of goods and services per day	100,000 rub. / USD 3,500 / EUR 2,500	Unlimited

Sberbank Momentum R card is a plastic card from the Maestro and Visa Electron payment systems. It is suitable for clients who want to quickly gain access to a minimum (standard) set of operations. If the client plans to use the expanded and additional capabilities of international payment services, an entry-level card will not suit him. The advantages of Momentum include free issuance and service, fast processing and a minimum set of documents. And if the client issues a credit card rather than a debit card, he has the opportunity to choose one of ready-made solutions.

Most often, the Sberbank Momentum R card is issued by new clients of a banking institution and those who want to open an account urgently and free of charge. Today you can choose one of two instant cards from Sberbank - from Maestro or Visa Electron. Plastic cards are issued under the same conditions and differ only in payment systems, that is, discounts, special offers, promotions and other additional features.

To receive a Momentum R instant card, you must:

• Visit a bank branch and provide your passport;
• Sign a universal agreement with a financial institution to combine your accounts into one system and be able to control them using Internet banking.

The card issuance procedure takes a maximum of half an hour (usually 10-15 minutes), immediately after signing the UDBO. There are no commissions involved. If you need borrowed funds, you can quickly get not a payment card, but a Momentum R credit card from two payment systems. The amount of money loaned can reach up to 120 thousand rubles. If funds spent from a credit card account are repaid within 50 days, no interest is charged. If payment is late by at least one hour, the interest rate will be 25.9%. A Sberbank Momentum R debit card is obtained with only a passport. To issue a credit card, you will need confirmation of employment, general work experience and registration in the region of issue using relevant certificates from the place of work and the passport office (or government services portal). Entry-level credit cards are issued without problems to citizens if they have:

• Salary or pension cards;
• Deposits or deposits;
• Credit or checking accounts opened with this financial institution.

If one of the above conditions exists, a personal offer may be made to the client. The presence of such an opportunity can be monitored in the Sberbank Online self-service system. You can also find out about offers by calling the hotline or through an ATM. After completing any operation, for example, withdrawing cash, the client will receive the relevant information. You can also personally visit the office of the institution and contact the manager with this question. Instant cards do not display special codes and the holder's name. Otherwise, Momentum R is no different from non-entry-level cards: on the front side there is a number, expiration date, institution icon, type of payment system (Maestro or Visa), and on the back there is a security chip. If we talk about the limitations of instant cards, then for many clients they are significant. The Sberbank Momentum R card is almost never used outside the state; it is not always possible to pay for an online purchase with its help. Many companies are reluctant to accept entry-level cards because they do not guarantee secure payments. However, despite such obvious shortcomings, Momentum R cards are in demand among institutional clients because they have a standard set of functions:

• Allows you to withdraw funds from a card account using ATMs or operating cash desks of Sberbank branches;
• Pay in a retail network;
• Pay for online purchases (if such an opportunity is available on the company’s website);
• Transfer money to any accounts using the institution's cash desks, ATMs or online self-service services (Mobile Banking, Personal Account);
• Monitor and manage united card accounts after connecting to the Mobile Bank SMS service or registering in your Sberbank Online Personal Account.

The movement of funds and the balance on the Momentum R card can be found out as follows:

• Through ATMs of Sberbank or any other financial institution (information about the balance is in the corresponding section).
• In your Personal Account. After authorization in the self-service system, you should select the desired card and view all the information on the account.
• Using the Mobile Bank SMS service. You should send a message to number 900 with the text BALANCE or REMAINDER (English spelling of words or transcription is allowed) or the numbers 01.
• By calling the Contact Center. In this case, you can use the automatic notification service by pressing the number 2, or connect to a hotline consultant using 0.

• Visit the branch and find out the balance using the card account number from the employee.

The entry-level card also allows you to create templates for automated payment for services. By configuring the settings once, you can forget about late payments. The system will independently pay for the services within the period specified by the client. If you need to pay bills that change every month, for example, for gas, heat, electricity, the system will first receive information about the debt and then notify the client. And if no other instructions are received within 24 hours, the payment will be processed. Templates may be changed or canceled at any time. To do this, you need to log in to Internet banking and make the appropriate settings. You can also use Mobile Banking, a branch of an institution, or the help of a Center consultant. The Sberbank Momentum R card is a good solution for clients who are satisfied with the standard capabilities of the payment system.

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Sberbank Momentum card - what is it?

Providing debit credit cards is becoming increasingly popular. Even pensioners who became familiar with all the conveniences, benefits and advantages of non-cash payments began to use such services. Some clients are afraid of difficulties in obtaining such services that may arise with registration. For this purpose, banks are developing specialized offers that are issued instantly. One of them is the Sberbank Momentum card; we will explain what it is below.

Features of offers from the bank

The Momentum card is divided into credit and debit. Sberbank provides a service for issuing them free of charge. Clients can use them to pay for services and goods, to deposit funds into an account and withdraw money from an ATM.

The credit card offers banking clients favorable credit conditions, it is similar to the offer from Maestro Momentum. It is a loan that the client receives on the condition of repayment and payment within the established limit.

The advantage of the offer is that it is issued on the day of application. Compared to standard products, the terms of the Momentum card from Sberbank have only a few restrictions - this makes the offer more popular and widespread.

Product advantages:

• fast issuance at the time of contacting the bank;
• no annual maintenance or issue fees;
• the ability to pay for purchases via the Internet and offline stores;
• free activation of Sberbank services for remote account management (in mobile banking or Sberbank online);
• the opportunity to use the “Thank you from Sberbank” program to accumulate gift points and purchase new purchases using them;
• no commissions for withdrawal and replenishment of funds;
• making transfers without commissions between Sberbank accounts.

The disadvantages of the proposal include:

• impossibility of use abroad;
• charging fees for withdrawals from other ATMs;
• low security compared to other similar offers;
• resolution of some issues only in the territorial bank;
• low limits on cash withdrawals.

Credit and debit cards

The user is issued a Sberbank Momentum debit card within a couple of minutes after filling out the appropriate application, which is issued by bank employees. The advantage is that to fill out the application you only need your passport. Immediately after this operation, the client receives an envelope with an account number and PIN code. A card will be linked to the account number, which is activated by a 4-digit code entered at the ATM. The main services of the product are payment for purchases in stores, cellular or landline communications at ATMs, housing and communal services and fines.

A credit card is also issued quickly. The interest rate is up to 20% and the credit limit is no more than 150 thousand rubles. Sberbank account holders are provided with free annual service. The main requirements for a potential borrower are age 25-65, Russian citizenship, work experience of at least one year, provided that the citizen worked in one place for 6 months of that time.

Terms of use of the Sberbank Momentum card

Before receiving a Momentum card from Sberbank, you should read the terms and conditions of its use. After receiving a banking product, you can use it immediately; no separate activation is required. The owner must put funds on a debit card to pay for services or purchase products by bank transfer.

You will also be provided with a login (identifier) ​​and password to log into Sberbank Online. This is a program where you can track your finances, manage them and always be aware of your transactions.

As for using a credit card, after each purchase the available limit will be reduced by the amount written on the receipt. The debt can be repaid in any amount, which should not be less than the established limit. Once the card is topped up, the limit will increase and can be used again if necessary.

The process of replenishing an account is no different from using cards from other banks. You can top up your card account in one of several convenient ways:

• non-cash transfer of money from the account of another bank;
• transferring funds from one card to another;
• making transfers from a simple account at the Savings Bank;
• through a terminal or top up your balance at an ATM.

Competitive features of the credit card include:

• free maintenance for 12 months and issue;
• the ability to determine the credit limit depending on the amount of income of the card holder;
• the presence of an interest-free period during which you can use funds without commissions. This period depends on the amount of the limit; it can be 50 days.

Since April of this year (2016), Maestro cards Momentum Sberbank have been canceled; as an alternative, you can use free cards of the Mastercard and Visa payment systems.

Product validity time

The expiration date of the product is indicated on the front side. From the date of its release, it is valid for one year, after which a replacement will be required. To change a non-name card to a new one, you do not have to fill out the form again.

14 days before its expiration date, a message is sent to your phone asking you to visit a bank branch and receive a ready-made card instead of the old one. A new card is produced approximately 7 days before the deadline.

Card service

So, servicing the Sberbank Momentum card includes the following nuances:

Additional opportunities for using the product include remote account regulation online: money transfers, participation in special promotions and discount programs, activation of the Autopayment service.

Instant cash cards are functional and suitable for daily use. Their main advantage is free maintenance and issue, convenience with a small financial turnover. If you need a more functional banking product that can be used abroad and carry out transactions with large amounts, it is better to take advantage of other offers from Sberbank.

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Sberbank Momentum cards

Sberbank claims that if a client issues a Sberbank Momentum card, this will make his life easier and more convenient. And to some extent this is true. The Momentum card is a universal Sberbank card, which is issued at the client’s request within a few minutes and is intended for conducting transactions in the Russian Federation, on the Internet and abroad. Sberbank issues two types of cards:

• Debit card - “Momentum” Visa and MasterCard
• Universal credit card - Visa and MasterCard Momentum cards

The appearance of the Sberbank Momentum card is slightly different from what a standard bank card looks like and what information is on the card. The Sberbank Momentum debit card looks like this:
Sberbank Momentum debit card So, on the instant card there is no information about its holder, that is, the client’s Last Name and First Name are not indicated, instead, an entry is made on the card - MOMENTUM, which seems to emphasize its instant status. The rest of the card is standard, which is what is marked on the card - STANDARD. The card number and expiration date (expiration date), which are required to make online payments, are located in the usual place. Standard (from the English standard - norm, sample) in the broad sense of the word - sample, standard, model, taken as the initial ones for comparing other similar objects with them. As Sberbank explains in section B-O, the Sberbank-Maestro “Momentum” debit card has a feature - it is impossible to receive cash abroad with it.

Available card transactions

Momentum cardholders have the opportunity to carry out the following banking operations:

• Withdrawal and acceptance of cash.
• Receiving translations, incl. from your cards of another level;
• Making payments online or at points of sale;
• Sending transfers to cards of any level issued by different institutions;
• Payment to institutions according to details;

Fees for transactions on the Momentum debit card Fees for transactions from accounts using cards:

• Receiving money at a Sberbank branch or ATM: free;
• If the daily limit is exceeded: 0.5%;
• When received through a Sberbank branch belonging to another territorial body: 0.75%;
• Receipt at another organization (ATM): 1%;
• Accepting funds for crediting to the card account is free;
• Acceptance of funds for crediting to a card account in another territorial bank - 1.25% of the amount, min 30 rubles, max 1000 rubles
• Sending money through another territorial division of Sberbank: 1.25%;
• Cashless transactions at retail points of sale: free.

It is possible to issue a Momentum card, provided that the client takes several steps:

1. Contact any Sberbank office.
2. Present an identification document.
3. Sign the necessary documents.

You can top up your Momentum debit card through:

1. Sberbank Online - In Internet banking and mobile application you can transfer money from card to card
2. Mobile bank - Top up your card with one SMS command to number 900
3. Self-service devices - Transfer money to your card at an ATM or terminal.

The appearance of the Sberbank Visa and MasterCard Momentum credit cards also looks slightly different from the standard ones:

Sberbank Momentum credit card The card does not contain information about its holder, that is, the client’s Last Name and First Name are not indicated; instead, an entry is made on the card - CREDIT MOMENTUM, which seems to emphasize its status as an instant credit card.

A Momentum credit card can only be issued with a personal offer pre-approved by the bank, provided that the client:

• Receives a salary or pension on a Sberbank card;
• Uses a Sberbank debit card;
• Has deposits in Sberbank;
• Apply for a consumer loan.

Fees for transactions using the Momentum credit card:

• For issuing cash through a cash desk or ATM of Sberbank/subsidiary bank - 3% of the amount, but not less than 390 rubles.
• For issuing cash through a cash register or ATM at other credit institutions - 4% of the amount, but not less than 390 rubles.
• Carrying out non-cash transactions for servicing cards at trade and/or service enterprises - without commission.

The main parameters and conditions for issuing and servicing a Sberbank instant card are as follows: No. Parameters and conditions for issuing a Momentum cardDebit cardCredit card

1.	Payment system	Visa, MasterCard	Visa and MasterCard
2.	Card account currency	rubles, US dollars, euros	Only in rubles
3.	Card registration deadline	10 minutes	15 minutes in the department
4.	Card expiry date	3 years	3 years
5.	Cost of annual maintenance and card reissue	for free	Free (next reissue is not provided)
6.	Cost of card issuance	for free	for free
7.	Additional cards	Not issued	No
8.	Age of the client at the time of card issuance	From 14 years old	From 21 years old (up to 65 years old)
9.	Registration of a client on the territory of the Russian Federation.	Permanent or temporary registration	Permanent or temporary registration in any locality of the Russian Federation. Citizenship of the Russian Federation.
10.	Bonus program “Thank you from Sberbank”	Yes	Yes
11.	Credit limit	No	up to 600 thousand rubles.
12.	Loan interest rate	40% per annum (with unauthorized overdraft)	23.9% per annum
13.	Grace period for lending	-	up to 50 days

Sberbank of Russia has established the following limits for transactions using Momentum cards: No. Limits on Momentum cardsDebit card (rubles, US dollars, eurosCredit card (rubles)

1.	Monthly limit for cash withdrawals through the Bank's cash desks and ATMs	100,000 rub. or USD 3,000 or EUR 2,500	-
2.	Daily limit for cash withdrawal at bank cash desks	50,000 rub. or equivalent in foreign currency	150,000 rub.
3.	Daily limit for cash withdrawal at the cash desks of subsidiary banks/other credit institutions	absent	150,000 rub.
4.	Daily cash withdrawal limit at ATMs of subsidiary banks/other credit institutions
5.	Daily cash withdrawal limit at Bank ATMs	50,000 rub. or 1,600 US dollars or 1,200 euros	50,000 rub.
6.	Daily limit for issuing funds without using a card through the cash desks of regional banks other than the place where the account is maintained	50,000 rub. or 1,600 US dollars or 1,200 euros	-
7.	Limit on transactions for accepting cash for crediting to a card account via OKR per day	10,000,000 rub. or equivalent in foreign currency	10,000,000 rub.
8.	Limit on transactions for payment of goods and services per day	100,000 rub. / USD 3,500 / EUR 2,500	Unlimited

This article will discuss one of the most popular banking means of payment: Momentum R cards in Sberbank - what they are, reviews, nuances of receiving them. They not only have all the capabilities of any international format card, but also have their own characteristic features.

Momentum Visa and MasterCard cards - instant issuance of non-registered cards

You can receive this card during your visit to the bank; you do not need to wait for it to be produced.

Registration procedure:

• apply for a card issue;
• preparation by a bank employee of a UDBO agreement;
• indication of the client’s passport data in the documents;
• familiarization and signing of the contract;
• receiving the card in hand.

In order to receive a Momentum card from Sberbank, you will need to sign a service agreement with the bank. As a result of this, you will have access to a large number of opportunities: control over your own account, making financial transactions, connecting services, etc. Since the instant card is anonymous, receiving it is as fast as possible. On the front side of the card there is the necessary information that is needed to make non-cash transfers and payments: number and expiration date. In addition, there are also Visa and Sberbank logos, as well as a security chip.

One of the undeniable advantages of this card is free banking services. Paid services, commissions and daily limits are established only in certain cases.

Limits and restrictions on Momentum cards

The disadvantages of Sberbank's Visa Momentum include some restrictions if it is used outside the country. For example, there is no provision for receiving finance from Sberbank subsidiaries located in other countries.

More details about limits:

• when making payments using a card - the limit is 10 thousand rubles. per day;
• cash withdrawal of your choice – limit 100 thousand rubles. per month or 50 thousand per day;
• for receiving money into the account – the limit is 10 million rubles. per day;
• for withdrawal of an amount exceeding the limit determined by the bank - commission 0.5%;
• for receiving cash at cash desks or ATMs of branches of Sberbank and other banks - a commission of 0.75%.

Sometimes you may encounter some difficulties when making online payments. In some retail outlets you cannot pay with non-registered cards. Such restrictions can be explained by the low degree of protection and the lack of complete information about the card owner. The card itself does not provide for the indication of a special CVV2 code, with the help of which payment transactions are carried out. But it is still assigned to the card; you can find it out at a bank branch by the card number.

Additional disadvantages of the card:

• re-issue after expiration of the validity period (3 years) is not possible, since the account will be closed;
• The card can only be issued in one copy;
• it is impossible to find out the balance in other banks;
• If you lose your PIN code, it is impossible to replace it or get a new one.

Is it possible to withdraw money from a Momentum R card abroad, user reviews

Despite the fact that Visa and MasterCard Momentum cards comply with international standards, it is clear from reviews that withdrawing funds from the card and making payments abroad will be problematic. The refusal to accept the card is due to the absence of a last name and first name on the card. Not only stores may not accept it, but ATMs may also refuse to dispense cash.

When traveling abroad, you should take with you a higher-class card that meets international standards and has the owner’s first and last name on it.

Real user reviews about the Momentum card from Sberbank are on the otzovik website page.

Features of the Momentum debit card from Sberbank

Having looked at the Momentum R cards in Sberbank in detail - what they are, reviews, let's move on to other possibilities.

List of possibilities:

• transfer of funds for services and goods according to the details of organizations;
• non-cash payments for various goods in shopping centers of the Russian Federation;
• performing transactions using remote services;
• money transfers to organizations and individuals;
• the ability to link a card account to an electronic wallet;
• participation in promotions and use of preferential offers from Visa;
• periodic automatic transfers - for housing and communal services, mobile phone balance replenishment, credit;
• accumulation and use of points when making payments in Sberbank partner stores.

When the Mobile Bank is connected, the following actions become available: SMS commands to receive information about the balance, perform financial transactions, connect services and deactivate the card. With help, there are even more opportunities for managing personal accounts via the Internet.

Credit cards Visa and MasterCard Momentum

In addition, you can order an instant credit card from Sberbank - Visa Credit Momentum. It is issued immediately, at the time of your first visit to the bank branch. The monetary limit that is established for it is 600 thousand rubles, and the grace period is 50 days, during which it is possible to repay the debt without accruing interest. If the money received is not returned, you will have to pay the bank 23.9% per annum. A report on completed transactions is provided on the card once a month.

Information available in the report:

• amount paid on the loan;
• the full amount of cash expenses;
• interest-free period interval;
• the amount of remaining debt.

In some cases, Sberbank issues a Momentum R Visa card with special lending conditions. Such profitable opportunities are provided to those clients who are active in financial transactions. Obtaining information about such offers is possible in ATM devices when performing various operations. In addition, such information can also be obtained by phone, by mail, or during a personal visit to a bank branch. Momentum R cards at Sberbank provide various options for replenishing and repaying debt.

Possible ways to receive money and pay off debt:

• in terminal devices as a result of depositing cash into the account;
• at the cash desks of bank offices;
• in Mobile Banking: transfers from a Sberbank client by phone number;
• to Sberbank Online: transfers from your account or from other card holders.